A good friend died recently. At the age of 80 all his life insurance had expired and his savings was spent. His family, financially, were living from week to week. His failing health along with Covid-19 put him in an Intensive Care Unit for days apart from his family where he died. His hospitalization brought more bills and financial hardship for those left behind. Needless to say, there wasn't any money to pay for a casket, embalming, plot of ground and a grave marker.
His young adult son put together their dire scenario and sent it out to everyone his family knew. Within a week 103 friends had given $20,300 to momentarily rescue this family from their perilous situation. It was enough money to buy a casket, embalming, a plot of ground and a small grave memorial marker.
Do you have 103 friends who would give $20 to $2000 each to pay for your burial expenses?
When we are dead, we won't care.
I know I do not. Such an outpouring was a testimony to his life and the lives of so many he had touched. This story is a sad reminder that we must take prudent steps toward covering our burial/funeral costs.
I don't want my wife or children to have to figure it out after I'm dead. Often, we don't get a choice. We die way before we have time to make our final arrangements. This happens a lot. This is why we need to do it now or as soon as we can.
Another dear friend recently died very young. Her family was strapped for cash and went the rout of cremation. Cremation is costing between $2500 to $7500 depending on where you live. Not cheap. My Navy son said, "Dad, just cremate me and scatter my remains over the north Atlantic." I pray he lives to be a hundred and his grandchildren have to do that.
Some of you know my wife died back in 2002. Her funeral cost me about $10,000 and her grave plot was $600.
I was cash strapped at the age of 47. I had nothing but medical bills and a house payment. I wasn't prepared for a funeral, mentally or financially.
The only thing that saved me was a year before she was diagnosed with multiple sclerosis, a good friend sold us small life insurance policies. He also talked us into paying extra for a disability wavier on the policy. The disability wavier was the only way I was able to maintain that life insurance policy which we used 13 years after he sold it to us.
It was the only way I could have paid for that funeral, unless I could have borrowed more money on my house. This was doubtful because I already had a second mortgage on the house from trying to pay other medical bills. I would have been hurting and probably would have had to go the cheapest route available for her funeral. It was simply the grace of God and a wise insurance agent who saved us in that respect.
My mother and father-in-law both died recently and their funeral expenses alone were over $14,000 each. Fortunately, they had saved enough money to cover these costs. You can spend less and you can spend more of course. The question is do you want your family to have to figure it out? Sit down with a trusted funeral director and begin making preparations now.
Decide which route you want to go. Decide how much you want to spend. You can plan everything. Pick out everything. Most likely pay for everything. Just make sure you are dealing with a very trusted funeral director.
Write out everything you want done including music, speakers and anything specific you want them to say. It's up to you of course. Make several copies of your wishes and what you have done. It's amazing how people lose stuff.
When we are dead, we won't care. We won't know, but we care now.
I know most of us care about those we leave behind. This is one way we can help them to know how and what we want done and relieve their burden by making the arrangements ourselves.
Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.
This article is the sole opinions of the author and does not necessarily reflect the views of The Sentinel. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
For a little more than 19 minutes of clock time, the St. Joseph-Ogden girls' basketball team's undefeated record was in jeapordy. Entering the game with a three-game win streak to start the season, the Spartans were, by all accounts, the pre-game favorite against the 1 win - 3 loss visiting Unity Rockets.
Taylor Wells takes aim during a free throw attempt in SJO's post-season game against Villa Grove-Heritage in 2020. Wells posted her first double-double of the year against the Rockets.
Photo: PhotoNews Media/Clark Brooks
With nearly half of the third quarter gone and a 19-17 score in the Rockets favor on the main scoreboard mounted on the gym's north wall, a three-point shot from Ella Armstrong gave SJO their first lead of the contest. The Spartans relenquished it briefly after Unity's Alysson England answered with field goal but regained the advantage with yet another trey from Armstrong on the way to a 47-29 Illini Prairie Conference win last Thursday.
For nearly two quarters Unity out-hustled and out-muscled their host. The three guards, Maddie Reed, Chloee Reed and Lauren Miller were busy bees forcing turnovers and ball control issues for SJO. Miller and Chloee Reed paired up, were credited with five steals.
"The girls came to play tonight," said Rockets' head coach Dave Ellars. "We had a couple days off due to the weather and I believe it helped our legs."
Unity played a solid first half preventing St. Joseph-Ogden from getting any offensive traction. Except for a 6-6 tie midway into the first quarter, the Rockets had the favored Spartans on the rope and kept them there until halftime.
"We did not play well in the first half," said SJO head coach Kevin Taylor concerning how his team started the game. "We were standing around too much against their zone and not moving the ball."
Taylor said he made a simple adjustment in his game plan for the second half.
"We switched up our offense to get more movement and we made an effort to get the ball inside where we had a big advantage in size," he said. "Our post play made really good decisions in the second half. Several times when we went to the post, they kicked it back out for an open shot."
We learned we can compete. I believe we will learn from this game.
The midgame tweak worked and allowed Armstrong score on three baskets for eight points pushing a four point deficit on the Rockets. Ashlyn Lannert extended the lead to nine points on a bucket and trey.
"SJO made a couple of adjustments and they made a few shots," Ellars said, explaining the shift in the game's momentum. "Due to SJO's size we wanted to try to help (our players) inside. She (Armstrong) made some shots in the second half."
Ellars was trying to keep the ball out of the hands of Taylor Wells. Wells finished the game with 12 rebounds and four assists.
"Taylor did a good job tonight using her size. She controlled the lane tonight with her defense and rebounding," Taylor said. "She also had several plays on offense where she found an open teammate when she was doubled-team in the post."
While she contributed just four points, Payton Jacob's presence on the court was crucial for the Spartans.
"Jacob always seems to be in the right spot at the right time. She had several key plays when we needed it tonight," he said about the junior starter. "There were a couple of key offensive rebounds and put backs that stood out to me."
St. Joseph-Ogden's top three scorers were Lannert and Wells with ten points apiece and Armstrong, whose four treys produced a game-high 16 points.
The Rockets offense was compiled by four players. Chloee Reed led the team with 10 points, England added in eight, Miller five and Maddie Reed chipped in three points. Miller led the team in rebounding with four. Miller and Chloee Reed had three apiece.
The loss withstanding, Ellars was happy with the way the team played.
"We learned we can compete," he said about his team. "I believe we will learn from this game. I was extremely pleased with our effort."
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It takes a gritty team to gut check and turnaround a game in the last 11 minutes, especially when you trailed the first two-thirds of it. On the floor, on the bench or in practice, it also takes a group of dedicated fourth-year players willing to do the little things.
"If this team has any mental toughness it is because of the seniors," Taylor said. "Whether they played a lot of mins or just a few, they all are doing a great job trying to lead this team and are doing all the little things that go unnoticed by most.
I can't thank them enough for what they are doing. They were a big part of why we were able to comeback and have that big swing in the score."
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