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Funerals Cost Too Much

When my mother-in-law died, we weren’t prepared to pay for her funeral. We were three years into our debt repayment and were throwing every available cent at our last credit card. We had a couple of thousand dollars in savings, but that was earmarked for property taxes, braces, and a few other things that make money go away.

Then we found out we had a $1500 bill just to get her released and moved to the funeral home.

And catering for the funeral.

And programs.

And the grave, marker, and urn.

Scratch the last one. My mother-in-law prepaid for her grave site and had a funeral insurance policy to cover the marker, cremation, vault, and urn. She paid $800 and saved us nearly $1900 last spring.

By the end, we spent about $2500 for everything, including a reception at the funeral home.

I can’t describe how helpful that was. We couldn’t have covered it without debt, and the money we inherited was months away.

A little pre-planning on her part smoothed out the hardest time in our lives.

In 2009, the average cost for a funeral was $7,755. That’s a lot of cake for something that often catches you by surprise. In 2012, the average savings balance in the U.S. was $5,923.

Unexpected funeral expenses are a “wipe me out” expense. In a flash–a heart attack, a car accident–your life savings can get sucked into death expenses, leaving your family with nothing.

That reminds me, it’s time to buy a pair of grave plots.

Tootsie – Does Beauty Have to be Expensive?

Celebrities

Cover of "Tootsie - 25th Anniversary Edit... — Cover of Tootsie – 25th Anniversary Edition

Many remember Dustin Hoffman dressed in drag in the classic film Tootsie, a movie that he now says made him realize how many women he’s missed out on meeting in life simply because he judged them by their looks. Every year women spend thousands of dollars on beauty products and cosmetics, hoping to increase their appearance and become attractive enough to the outside world. Although there are various degrees of beauty, it undoubtedly is usually determined by the amount of money spent to enhance features and upkeep the overall look.

Although natural beauty does exist in our society, it is few and far between to find a woman who needs a minimal amount of makeup and hair product to appear beautiful enough to meet society’s standards. Styled, highlighted hair is crucial for an attractive look, requiring professional services to be done on the hair by a salon. Although it may be cheaper to spend $5 on a box of hair dye at the supermarket, the hair won’t look as full or healthy without a professional technique applied. A woman’s hair is bound to look more attractive by spending the extra $100 by visiting a stylist who knows their craft.

The length of a woman’s hair often creates a more attractive look in the U.S., which is difficult to achieve with flat irons and curlers that create breakage and brittle hair from the heat. Women are now resorting to having hair extensions installed every three to five months to achieve beautiful hair that has a fuller texture and longer length, costing an average of $700. They can resort to shorter hair that saves a large amount of money, but they’re ultimately compromising a large part of their looks.

There’s a reason that celebrities appear more beautiful than the rest of the population, as their high school photos often show them to look like typical people. By spending thousands of dollars on personal trainers, stylists, and makeup artists, their appearance is immediately enhanced with the finest tools and products on the market. They are also able to have help with experts who have more knowledge on what creates the best look for their features.

Although beauty does not have to be expensive (just look at exotic women in Columbia and Brazil who are anything but high maintenance), it unfortunately is a requirement in the U.S. where rich housewives rule the reality shows and runways. True beauty is often defined by breast and waist sized, which few women can live up to, resulting in thousands of dollars spent on breast implants and liposuction, often impossible to attain otherwise.

Beauty may be in the eye of the beholder, but few men will argue that Angelina Jolie is unattractive or that Heidi Klum looks homely. The majority of men can agree when a woman is beautiful, and few women catch attention with a homemade manicure and dyed hair that came from a box. Perhaps going au natural will become a new trend in the coming years, but for now it’s expensive to be a woman, and even more costly to be a beautiful one.

Peter Capaldi: The New Dr. Who’s Filmography

News

If you’re new to Dr. Who, one of the odder concepts in the program is that The Doctor periodically regenerates. This is a lampshade on the reality that the actors playing the lead character don’t want to be saddled with the role

for the entirety of their careers, and it allows an “in-universe” canonical way for the writers and show-runners to allow this change to happen. In fan circles, Matt Smith, the outgoing doctor, was “The Eleventh Doctor” (because he’s the eleventh actor to take on the role) and is going to be replaced, when the series comes on again, with Peter Capaldi, a Scots veteran of several BBC productions.

Capaldi returns to one of the traditions of the program – in casting an actor who’s a bit older — 55 as of 2013 – to play a 900-year-old time traveling alien. His acting career stretches back to 1983, with a role as Danny Oldsen in Local Hero. His early acting career included bit parts in the British underworld-themed dramaedy Minder, and the horror film The Lair of the White Worm, starring Hugh Grant and Amanda Donohoe.His ambitions with film include work behind the camera – he won an Oscar for Live Action Short Film Subjects with Franz Kafka’s It’s A Wonderful Life in 1995, becoming the only actor to play The Doctor to have an Oscar on his mantel. He has also written films, including Soft Top, Hard Shoulder.Back in front of the camera, his first starring role was as Luke Wakefield, in Mr. Wakefield’s Crusade, where a closeted gay man thinks he’s witnessed a crime. When that series ran its course, he did rolls as a mad mathematician (Psychos), and an angel in the film adaptation of Neil Gaiman’s Neverwhere.

2005 saw Capaldi’s most famous role, before assuming the mantle of a Time Lord: That of spin doctor Malcolm Tucker in the BBC series “The Thick of It,” a role he inhabited through 2012. In that role, he plays a profoundly profane director of communications for the British Government, charged with public relations, cleaning up political gaffes, and ensuring that any dirt about an opposition party member is aired at the most politically advantageous moment. His role was noted for bringing nuance and complexity to a character described as a rabid political hatchetman who didn’t carry grudges – he had them stuffed and mounted on the wall.

Capaldi has previously appeared in Dr. Who as Caecilius in the episode “The Fires of Pompeii,’ which marked the first appearance of Karen Gillan, who went on to play the Doctor’s companion, Amy Pond. Later, he returned to Dr. Who spinoff Torchwood: Children of Earth as John Frobisher, who had a particularly dark turn, killing his own family rather than letting the 456 aliens use them as a human sacrifice.

In the press event where he was announced has having landed the role, Capaldi admitted to having been a fan of the series ever since he was a small boy. For fans of the long running franchise, this promises to be a very enthusiastic incarnation of the Doctor.

Why Jodie Sweetin’s Latest Divorce Should Make You Start an Emergency Fund

Celebrities, Gossip

Jodie Sweetin, American actress; cropped versi... — Jodie Sweetin, American actress; cropped version of :Image:JodieSWEETin.jpg Taken March 7, 2007 at Rutgers University with Bethany S Murphy. Original file history Image:JodieSWEETin.jpg 00:12, 8 March 2007 . . Bethanyshondark (Talk (Photo credit: Wikipedia)

There’s lots of people talking about former Full House star Jodie Sweetin these days. Recent news reports are telling us that this 31-year-old mother of two is now on her way to filing for her third divorce. Yep, that’s right. Divorce #3. Sweetin got married in 2012 to Morty Coyle, and reports say that she is already on her way to filing the legal documents necessary to ask for a separation, which she claims is due to irreconcilable differences.

It was in 2008 when Sweetin filed for divorce from husband number two, Cody Herpin. She blamed the breakup on an already rocky marriage, as well as extreme financial hardships. Sweetin’s first marriage to Shaun Holguin, who she married in 2002, ended when she entered a treatment center for her longtime drug abuse.

Divorce

Because the life of a celebrity is more often than not on display for the whole world to see, there tends to be a belief that famous people get divorced more often than us other ordinary everyday folks. Although this isn’t true, when the news is telling us about a celebrity who’s getting ready to file for their third divorce and they’re only in their early thirties, it tends to make people start thinking! Thinking about what they would do if they ended up being in a similar situation.

Emergency Fund

Although everyone of course intends to stay married forever once they exchange those sacred vows, reality tells as that of least half of all marriages are going to end in some type of separation or divorce. This is the reason why the vast majority of people who plan on getting married one day don’t even bother to plan for what they would do in case of a divorce. They simply don’t think that divorce is something that will happen to them, just everyone else.

Although Sweetin surely didn’t believe that she would have three failed marriages by the time she was 31, her failed marriage situation is helping other people by letting them understand how important it is to have in emergency fund in case such a situation comes up. An emergency fund is going to allow for a lot more freedom of choices if the instance of divorce does happen to come up.

Good to Know

Money struggles have been an issue in all three of Sweetin’s marriages, which is still the number one reason for divorce in America. It’s not hard to start an emergency fund and is something every newly married person should do asap. Well, waiting until they first return from their honeymoon might be a good idea.

Michael Gergenti: Paying for Paternity

Gossip

Model Michael Girgenti, filed paperwork in Los Angeles County Superior Court alleging that he is the father of Kourtney Kardashian’s son, Mason Disick. According to Kardashian’s lawyer, the three-year old boy is the son of

her boyfriend, Scott Disick, who also fathered her daughter, 13-month old Penelope. Girgenti is requesting DNA testing of Kardashian, Disick and the child, and if it is determined Mason is his son, he is demanding joint custody.

Photo Shoot Meeting

According to the lawsuit, Girgenti met Kardashian during a 2009 photo shoot, where they began a texting relationship. Girgenti claims that Kardashian told him that she and Disick were separated. A report in US Weekly states in a bio of Scott Disick that he and Kardashian split up in February 2009 after two years because of rumours he was cheating. The court documents state that in March 2009 Kardashian and Girgenti had unprotected sex, which is nine months prior to the birth of Mason, who was born in December 2009. Kardashian announced her pregnancy in August 2009, claiming that Disick was the father of the baby.

Kardashian Denial

Lawyers for Kardashian claim that Girgenti’s accusations are “preposterous and an outrageous lie.” Kardashian attorney, Tod Wilson, told E! News that Girgenti has been “selling false and fabricated stories to the tabloids for years about Kourtney Kardashian and her son, Mason. “ Wilson also claims that Girgenti has been seeking payment to publish the court pleading, indicating that Girgenti was more interested in payment for reports of his alleged paternity than actually proving that he was Mason’s father. However, the suit filed in court indicates that Girgenti is seriously seeking proof of the child’s paternity.

Girgenti Claims Resemblance

Court documents also claim that Girgenti tried to reach Kardashian after she announced her pregnancy in August 2009, but she did not return his calls. He claimed he began to consider that he was Mason’s father when he saw photos of the child, stating that the boy resembled him more than he did Scott Disick. Girgenti also stated that Mason looks nothing like his younger sister, Penelope, who is Disick’s child. Months prior to filing the lawsuit, Girgenti wrote to Kardashian, requesting a DNA test, claiming that if there was no response, he would pursue legal action to determine Mason’s paternity. In the letter, Girgenti claimed that his intentions were not to “hurt the family you’ve created,” but that “Mason deserves to know the truth.”

A Los Angeles County judge has set a hearing for the case in late August. At the hearing, the judge could dismiss the case or order DNA tests for Girgenti, Kardashian, Disick and the child. In California, unmarried fathers do not have legal rights or responsibilities until legal paternity is established, and naming a father on a birth certificate may not legally establish who a child’s father is. Since Disick and Kardashian were not married at the time of Mason’s birth, Girgenti may have the legal right to demand a DNA test.

Paying For Heart Surgery When You’re Not as Rich as Randy Travis

Celebrities

Travis performs "Three Wooden Crosses" — Travis performs “Three Wooden Crosses” (Photo credit: Wikipedia)

Very sad news broke this week about Randy Travis. The country crooner, whose hits ironically include a song titled “From the Hard Rock Bottom of my Heart,” was hospitalized with a life-threatening heart problem that arose from viral cardiomyopathy, a condition that is characterized by a weakening of the heart muscle due to a virus. The virus that caused this disease is usually pretty harmless, but in some patients, extremely dangerous complications can arise. For Travis, the complications weakened his heart, and he required hospitalization and emergency heart surgery.

Travis is pretty fortunate, financially. He is also pretty wealthy. Therefore, the costs associated with this problem are not likely to set him back financially like they would most Americans. How can people who are not rich like Randy Travis pay for heart surgery?

The easiest way to pay for a heart surgery is to let someone else pay for it. This tip may sound like a joke, but it is the way most people pay for heart surgery. Insurance is a risk management system in which many people pay premiums so that they do not have to bear the entire brunt of a financial loss. Some will come out ahead by paying less in premiums than the amount of the health benefits they will receive. Others will be on the opposite end of the stick. Health insurance can come from the private market or the public coffers through programs like Medicare and Medicaid. While there might be a copay for these procedures with insurance, the insured will not have to pay the whole tab.

Another way to pay for heart surgery is by raiding a retirement account. This is not really advisable in most instances, but desperate times can call for desperate measures. The money can then be paid back over time in the best-case scenario, and getting the doctors paid off will take a major burden off of the back of any heart patient.

Taking out a home equity loan can also be a way to pay for a heart surgery. Those who have some equity built up in their home can sometimes find enough to pay off some emergency bills. Of course, it usually takes years to build up this equity, so many will not have this option available to them.

One final way to pay off a heart surgery without being rich like Randy Travis would involve getting a second job. This might cut down on the amount of time available for cardiac rehab, but the doctor will want his or her cut. It is likely that the hospital will be even more serious about getting paid. This will especially be the case if the hospital is for-profit. It might take some time, but those who are able to survive the extra work should be able to eventually pay off their bills.

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