Direct Cremation

Direct Cremation

Share on facebook
Share on twitter
Share on linkedin

Let’s face it, the majority of us want to avoid talking about Funerals, let alone our own!

However, if we really think about it, there are probably a few things we would like and so it is important to get out wishes down whilst we can.

The expense of a Funeral can be a large burden on our nearest and dearest at an awful time and with so many possibilities and considerations, the choices really can be endless.

So, one option is Direct Cremation but what is that, what does it involve and why should you consider it?

We take a look below…

A Direct Cremation takes place without a Funeral Service and most Funeral Directors will now offer this in addition to the traditional Funeral Service options.

A Direct Cremation can benefit those that are looking to keep costs down as well as those with few or no family. As we know, the costs of Funeral can be high and, if not planned for in advance, can leave a heavy strain on your loved ones. A Direct Cremation can also save money on an expensive coffin as there will be no Funeral Ceremony and so no procession.

This type of Cremation is also of benefit for those that do not want a big fuss, or service or would prefer their family and friends to have an alternative celebration away from the actual Funeral Service. Some may leave monies or wishes in relation to holidays, experiences or the like for their family to enjoy in their memory rather than a formal and traditional Funeral Service.

However, some of the possible downsides that you may want to consider are…

When a Direct Cremation takes place, as there is no Funeral Service this does mean that there is nothing for family or friends to attend or leave flowers at and there will be no opportunity (at a Service) for readings or eulogies. There is also no opportunity for viewing on a Chapel of Rest and no choice as to the time and place of the Cremation as this is scheduled by the Funeral Director as no one is able to attend.

Thus, although a Direct Cremation may seem like a good idea for you, and may be preferential in terms of costs, it may be worth considering any friends and families and how they may want to celebrate your life following your death.

As we said at the beginning, talking about Funerals is not a subject that any of us really enjoy.

We outline some of the other potential considerations in our article: What to consider when planning a Funeral

If you have any questions or want to discuss putting a funeral plan in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free, relaxed and considerate discussion on how we can help

Share on facebook
Share on twitter
Share on linkedin

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Mindfulness over the Festive Period

Mindfulness over the Festive Period

Share on facebook
Share on twitter
Share on linkedin

On Wednesday 27 November 2019 at 8pm we will be chatting LIVE on our Facebook Page to Ruth Farenga about the importance of Mindfulness over the festive period.

 

Ahead of our chat, Ruth has written this piece for us on giving and attending mindfully…

 

Service – sounds like a chore already, doesn’t it? And when we think of upcoming festive season, we may feel some excitement at the festivities coupled with a weight of how much we’re physically and mentally going to need to do for others. How much giving can we do?

But can we approach things differently? Not only in terms of our attitude and motivations but also in the way in which we attend to people that we are serving.

Why be an altruist?

Altruism is defined as ‘unselfish regard for or devotion to the welfare of others’ (Miriam Webster Dictionary).

Functional MRI scans show that altruistic and giving behaviours activate the brain’s mesolimbic reward system, an area that is stimulated when we are rewarded. The implication here is that this ‘giving behaviour’ may give us a euphoric physical sensation, or a ‘helper’s high’ and can improve emotional wellbeing and reduce stress in the long term (Doing Good Does You Good report, The Mental Health Foundation, 2012).

It is one of the most beautiful compensations of this life that no man can sincerely try to help another without helping himself…

Ralph Waldo Emerson

Taking it a step further – the true altruist

It can be tempting to calculate the benefits of our altruism like they do in the effective altruist movement – whereby we think about the things we will get back from doing something good.

How often do you hear someone say, ‘I’m not going to get them a present because they don’t get me one’? 

As though life has to be some kind of calculated equal exchange.

Eckhart Tolle argues that while doing good for your own reward may benefit people, it does have the effect of strengthening your ego and does not make you free. The ego is effectively the image of ourselves that we often seek to strengthen. If we can let go of that image, even just momentarily, and allow ourselves not to be rewarded, we’re freeing ourselves from the chains of such affirmation, – freeing ourselves from the neediness of boosting the ego and just allowing the act of giving to be just as it is.

A mindful touch

The way in which we give attention is key. When we are preparing food for relatives or friends, are we rushing through just to finish or can we apply a kind of mindful attention to what we are doing.

Can we truly see the colour of the food we prepare, and listen as the knife crushes into each item? Can we feel the soap suds as we wash up and watch as the plates glisten on the draining board? We may even like to Press Pause as I have discussed in a previous blog on my website www.MindfulPathway.co.uk.

Can we bring our mind back each time it wanders (as they so often do) to truly attend to the moment? Each moment is special, especially when we’re actually there.

Giving and attending to what we give has true power.

I’ll leave you with these words

We make a living by what we get. We make a life by what we give.

Winston Churchill

For more information contact Ruth Farenga here or join us on our LIVE CHAT on Wednesday 27 November 2019 at 8pm on our Facebook Page.

Share on facebook
Share on twitter
Share on linkedin

Ruth Farenga

Starting a conversation about the ‘Elephant in the Room’

Starting a conversation about the ‘Elephant in the Room’

Share on facebook
Share on twitter
Share on linkedin

With over 30million people in the UK without a Will, there are so many reasons that it is one of those things that gets put off, moves down the ‘To-Do List’ and sometimes just never ever gets done BUT it doesn’t have to be the difficult conversation that many expect!

Many of us put off making a Will because we don’t want to tempt fate or presume that those we want to take care of will be able to inherit our assets anyway but that isn’t always the case.

Where there is no Will, the Rules of Intestacy kick in and this means that you lose control over who you would want to inherit and this is chosen for you…

So, if you are one of those 30million that have been putting off making a Will, or have a Will that may need updating, why not take a look at some of these considerations…

Who do you want to inherit your Estate?

We all would like to think we are immortal, right?

Unfortunately, that isn’t the case and so we should have consideration for who we would want to benefit from everything we have worked hard for, when we are no longer around.

This will depend on your circumstances and is likely to change at different stages of your life, depending on your relationships, children, grandchildren, nieces and nephews, perhaps even godchildren or second marriages.

Estate Valuation

The value of your Estate is calculated by totalling everything that you possess, own or have an interest in at the date of your death (this will include property – residential, buy-to-lets, commercial and holiday homes), money, bank accounts, savings, ISAs, Stocks & Shares, Cars, Jewellery and personal possessions.

Any liabilities or debts will then be deducted from this total, including mortgages, loans, utility bills, credit cards plus any funeral expenses.

Inheritance Tax

If your Estate valuation totals more than £325,000 then you may have an Inheritance Tax Liability. However, there are other reliefs available including relief if you are leaving your residential property to direct descendants, if you have any business assets and if you are married or in a civil partnership and leaving your estate to your spouse or civil partner. It is worthwhile seeking advice from a professional in order to ensure you are taking advantage of all the reliefs that may be available to you.

There may also be other options available to you, depending on your Estate Valuation, your income and projected needs over your lifetime, in terms of Trusts and Financial planning to reduce any Inheritance Tax liability, again it is worthwhile seeking expert advice in relation to this.

Gifting

You may well benefit from making gifts during your lifetime, but this may not be possible for everyone.

Once you have a better idea of your Estate Valuation, who you want to benefit from your Estate upon your passing and whether you have any Inheritance Tax Liability, you may want to consider whether you could benefit from making gifts during your lifetime.

Each of us is able to make gifts of £3,000 each year without attracting any Inheritance Tax liability (and we can carry this over for one-year too!).

However, any gifts that exceed this may still be liable for Inheritance Tax if made within seven years of your death…again, we would recommend seeking professional advice if you are considering making gifts during your lifetime.

Wishes

Do your loved ones know what your plans are for the future, do you have certain expectations in relation to your later life care (this could be dealt with in a Lasting Power of Attorney) or perhaps even your funeral?

You may even want to give gifts in your Will with a condition attached (upon reaching a certain age, to be used for certain circumstances or only to be received upon meeting a condition).

Setting these out can be really helpful, not only in giving you peace of mind but also in preventing any unnecessary arguments or disputes when you are no longer around.

Charities

Another consideration that may be worth thinking about, is whether you would like to leave anything to Charity upon your passing.

If you are leaving 10% or more of your Estate to a Charity then your Inheritance Tax Liability will be reduced from 40% to 36%.

We are always happy to have a free chat to answer any questions that you may have, offer advice or help you to put something in place.

If you have any questions or would like to discuss putting a Will in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free consultation

Share on facebook
Share on twitter
Share on linkedin

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Will the Government Inherit my Assets?

Will the Government Inherit my Assets?

Share on facebook
Share on twitter
Share on linkedin

Without a Will in place, everything that you have worked hard for is left beyond your control. Having a Will in place (that is up to date!) is the only way to ensure that the people you want to benefit from everything that you have worked hard for, actually do!

In the absence of a Will, the Rules of Intestacy decode where your hard earned assets end up and this may not be where you would have chosen…

There are more than 30 million people in the UK without a Will, so if you haven’t got your in place yet, you are not alone! BUT, that is no excuse to sit back and relax!

Many of us put off the talks around later life planning for fear of tempting fate or upsetting someone but this has led to an eye-watering £48million of deceased property being unclaimed and so passing to the Crown!

Something else you may want to consider is, whether Care Home fees will be eating into everything you have worked for…

These talks do not have to be all doom and gloom!

That is where we come in!

We are more than happy to discuss what you want, put plans in place and give advice. Whilst none of us want to expect the worst, we should always plan for it…having peace of mind that we are covered no matter what happens is a great feeling!

So, instead of avoiding those all important conversations like the plague, open up the conversation, discuss it with your family and if you need advice, have any questions or want to get something in place…set up a FREE CONSULTATION with us.

 

If you have any questions or would like to arrange a free consultation, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk

Share on facebook
Share on twitter
Share on linkedin

Leah Waller

Have a Question or
want to book a 

FREE Consultation?