EMBRACING LIFE TO ITS FULLEST - LEGACY RESERVE

Patrons of Legacy Reserve at Fritz Farm can hardly wait to move into their new homes this month. Some of them signed up over a year ago.  “I chose Legacy Reserve as my future home for many reasons,” said Don Bayer, a retired Chicago Public Schools principal. “I was fascinated by the fact that it is going to have a heated saltwater swimming pool. I love to swim.”   “We decided we wanted to live here the rest of our lives,” said Loretta Jones, another resident looking forward to moving in. “So we are downsizing and we’re ready to go.”

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LIVING FRUGALLY

Many people in the United States with significant savings fear going broke in retirement, according to a recent survey. However, there are ways to live frugally to try to prevent that from happening.

1. Analyze your living situation. According to research, the cost of a home and home-related expenses accounts for nearly 43 percent of spending for people who are 65 to 74 years of age. ....

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TECHNOLOGY PRIMER FOR GRANDPARENTS

No one needs to be told the younger generations are attached to their technology. It used to just be computers, but now it’s smart phones. These days, if you want to stay in contact with your grandchildren – and sometimes even your children – you’d be wise to learn a few basic methods of keeping in touch in the digital age. A study released in 2012 by Microsoft and AARP called “Connecting Generations” found teens and their parents and grandparents are communicating more because of social media and other online tools.

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headstone and dirty the interior of the casket. Average cost of a vault is $1,300. The average cost for a hearse or funeral coach and any other cars is $300.


There are ways to cut funeral and burial costs:


According to the National Funeral Directors and numerous other sources, the average cost of a traditional burial is presently $7,000 to $10,000.


Traditional funeral services typically include embalming and dressing the body, renting the funeral home, holding a viewing, transporting the body via a hearse to the funeral site and purchasing the casket, a cemetery plot or crypt and a headstone or tombstone. Direct burials involve a simple burial container, no viewing or visitation and no embalming, but a memorial service can still be held graveside.


Funeral homes charge basic service fees. These include consultations, preparation and filing of permits, coordinating arrangements and third-party overhead costs. Fees vary among funeral service providers but average to $2,000, according to the National Funeral Directors Association.


Body delivery costs $125 to $500, depending on the distance it must travel to the funeral home. Funeral homes charge a daily fee, ranging from $35 to $100, for storing a body, even if it is embalmed.


Embalming came into popular- ity during the Civil War when bodies needed to be transported long distances. Embalming is not legally

BURIAL COSTS COVER A WIDE SPECTRUM

required and many environmentally conscious individuals are opting against it. Costs range from $225 to $1,200, according to the National Care Planning Council. Average cost to prepare the body for viewing and visitation is $200. The viewing can cost anywhere from $150 to $1,200. Funeral ceremony staff coordinate and supervise the funeral arrangements and assist with the ceremony for $500 to $800.


Casket options range from cardboard ($50) to metal and fine wood. Funeral industry studies have found the average person buys one of the first three models shown, and their choice is generally mid range. Pine caskets are less expensive, but funeral homes rarely display them. The average cost of a casket is about $2,200.


Many cemeteries require caskets to be placed inside an outer container called a grave liner or burial vault. These rectangular boxes are made of concrete, metal or composite plastic. They are made to last forever and will preserve the cemetery’s lawn and grounds. A casket buried without a vault or liner will eventually deteriorate and collapse, resulting in uneven ground. This can tilt a

ANGELA S. HOOVER

Angela S. Hoover is a Staff Writer for Living Well 60+ Magazine

more articles by Angela S. Hoover