Archive for September, 2011

We might not have access to the funds inside our bank account at our banks to meet such purchases. However, if we are optimistic regarding the prospect of improving income, or ready to accept loan payments in return for our well-deserved reward – then the option of borrowing money from banks will need to be addressed. When scenarios of this nature come about, the decision has to be made to either do without the item or use ZZZ to get the necessary funds. Those of us who are sufficiently fortunate to have a retirement account (such as a pension, IRA or 401k), the option exists to remove cash anytime at the discretion of the account holder. Since the reason for retirement accounts is to help people throughout their non-working years, the federal government discourages the removal of this money by imposing a penalty fee of 10 pct. (in the course of this writing). And since contributions into a retirement account are tax-deferred usually, the account holder needs to pay tax on the sum of money removed. Not surprisingly, making use of a retirement account should only be utilized for severe cash emergencies. A more practical strategy can be to use a credit card (for people who have good credit). For those that lack a good credit rating, look at utilizing personal loan programs (i.e. ‘ZZZ’). For those of us that are fortunate enough to have equity left in their homes, a home equity line of credit may be an option. However, more restrictive credit expectations in the aftermath of the real estate crisis have eliminated this as an solution for many people. When contemplating any type of loan, always take into account the loan term and annual percentage rate, to decide if the price of borrowing is at a level that you are comfortable with.

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Flowers are a thoughtful way to send sentiments of sympathy. At a time of loss, condolences are often difficult to express. Traditionally, flowers help convey deep caring. For the recipient family and even for the sender, flowers are an important part of the bereavement process. A thoughtfully selected flower arrangement is always appreciated.

Your local florist can be a helpful and reassuring resource. Contact the florist with the name of the deceased and the funeral home. With that information, you can rest assured that the florist will deliver sympathy flowers to the funeral home on time. Professional florists have years of experience creating heartfelt funeral tributes and sympathy flowers. They work closely with families and funeral homes making funeral plans. Your local florist will often be able to suggest appropriate funeral arrangement choices that will compliment what the family has already ordered.

When sending flowers as part of a group of co-workers, family or friends, the sympathy arrangement can often be larger and very special. Designate a group leader to contact the florist and ensure that all of the names are included on the floral enclosure card or sign as a group, “The Smith Family”. It is equally appropriate to select brightly hued funeral flowers as a way to honor the essence of the deceased in a more personal way. Sometimes, faith and religion will dictate what color choices are appropriate. Be sure to talk to your florist for specific requirements.

Floral tributes are also appropriate to send to memorial services when cremation has taken place. Your florist will be able to make suggestions when traditional burial has not occurred. Some will choose to send flowers to the surviving members’ home, which is also acceptable. This gives the message of, “we are thinking of you.”