New Remembering A Life Conversation Cards Introduced to Help Funeral Professionals Work With Families to Plan Meaningful Funerals

Suite of Conversation Cards Now Covers Every Step of the Journey: Preplanning, Funeral Planning and Aftercare 

Brookfield, Wis. – Remembering A Life, the consumer education initiative of the National Funeral Directors Association (NFDA), has introduced two new decks of conversation cards that funeral directors can use to inspire the families they serve to plan meaningful tributes to loved ones. 

Remembering A Life Funeral Planning Conversation Cards are brand new to the Remembering A Life Conversation Card suite. These conversation cards help families and friends create a safe, comfortable environment for having a conversation about a person’s final wishes and help them plan a meaningful tribute for themselves or a loved one with the guidance of a funeral professional.

This deck of 52 thought-provoking questions will help get the conversation started and help put family members and friends at ease while talking about a topic that may generate a variety of emotions. Questions cover five key areas.

• Talking About Death
• Your Body
• The Service
• Honoring Your Life
• The Details 

Each card goes beyond the question itself, offering thoughtful prompts and helpful information to guide a discussion. Families will find insights about the value of a viewing, the benefits of preplanning and why connecting with an NFDA-member funeral home can make a difference. 

“Inspiring people to have meaningful discussions about death and funerals isn’t easy,” said Gail Marquardt, vice president of consumer engagement for NFDA. “These decks help family members and friends create a safe, comfortable environment for having a conversation about a person’s final wishes and guide them in working with a funeral professional to plan a meaningful tribute for themselves or a loved one.” 

Funeral professionals can use the cards as a preneed tool, during the arrangement conference as conversation starters or as a giveaway for a workshop or open house. 

Have the Talk of a Lifetime Conversation Cards have been reimagined and redesigned with new content and additional prompts to help family and friends get to know each other better so when it’s time to create a tribute for a loved one, they are better prepared to make it meaningful. Each of the 50 questions invites people to share stories about meaningful moments, relationships, objects, adventures, accomplishments and more. Additional prompts invite them to further explore their answers to each question, encouraging them to share their stories with others, pull out meaningful mementos or do an activity related to their answer. 

“Funeral directors have embraced Have the Talk of a Lifetime Conversation Cards since they were introduced nearly ten years ago,” said Marquardt. “We were excited to give them a new look and include expanded content to further enrich families’ experiences with the cards. The questions and prompts in this deck help families create a service that beautifully reflects an individual’s interests, passions, relationships and accomplishments.” 

For funeral professionals, Have the Talk of a Lifetime Conversation Cards are the perfect preneed and storytelling tool. Funeral professionals can use the cards as a preneed/lead generation tool, as conversation starters during the arrangement conference and in the funeral home waiting area. The cards are also the perfect thank-you gift for visiting a funeral home open house or preplanning workshop. The new decks complete a set of three conversation card decks that also includes 

Remembering A Life Journey Cards, which feature 52 ideas for remembering loved ones in meaningful ways. This deck helps family members and friends as they explore their grief journey, offering simple yet meaningful ways to keep a loved one’s memory close. All three decks of conversation cards are available at NFDA.org/Store. The decks are $10 each for NFDA members and $15 each for non-members. Quantity discounts are available, and decks can also be customized with a funeral home logo. Funeral professionals attending the 2025 NFDA International Convention & Expo in Chicago can visit the Remembering A Life booth (1831) for free sample packs and can purchase full decks at the convention as well. For more information about the Remembering A Life resources available to funeral professionals, including the Remembering A Life Idea Guide for Funeral Professionals, visit NFDA.org/RememberingALife. 

About Remembering A Life

Remembering A Life helps individuals and families remember their loved ones in meaningful ways, helping to keep the memory of loved ones alive and assisting family members and friends in moving forward in their grief. Remembering A Life educates families about the value of a funeral and helps them find an NFDA-member funeral director (RememberingALife.com/FindAFuneralHome) to help them create a meaningful service. The initiative also helps them as they begin the grief journey following the death of a loved one. Resources include the Remembering A Life website (RememberingALife.com), a podcast, book club, blog, conversation cards and thoughtful gifts for grieving family members and friends. Remembering A Life is a consumer education initiative of the National Funeral Directors Association. Follow Remembering A Life on Facebook and Instagram. 

About the National Funeral Directors Association

NFDA is the world’s leading and largest funeral service association representing 20,000 individual members who represent nearly 11,000 funeral homes in the United States and 49 countries around the world. NFDA is the trusted leader, beacon for ethics and the strongest advocate for the profession. NFDA is the association of choice because it offers funeral professionals comprehensive educational resources, tools to manage successful businesses, guidance to become pillars in their communities and the expertise to foster future generations of funeral professionals. NFDA is headquartered in Brookfield, Wis., and has an office in Washington, D.C. For more information, visit NFDA.org.

April 4, 2025

Losing a loved one is an emotional and challenging time, and navigating the funeral process can feel overwhelming. Whether it’s your first time making funeral arrangements or you’re unsure about certain aspects of the process, it’s natural to have many questions. Understanding the typical procedures and options available can help ease the burden during this difficult time. Here are some of the most frequently asked funeral questions and their answers to guide you through the process. 1. What is the difference between a funeral and a memorial service? A funeral typically involves a ceremony held with the body of the deceased present, either before or during burial or cremation. It often includes a viewing or wake, where family and friends can pay their respects. A memorial service , on the other hand, takes place after the body has been buried or cremated and does not involve the presence of the body. Memorial services may be held in various settings, such as homes, churches, or other venues, and can be personalized to reflect the life of the deceased. 2. What is embalming, and is it required? Embalming is a process that involves preserving the body to delay decomposition, usually for viewing purposes. It is not legally required in most places but may be necessary if the body is to be displayed at a public service or transported over long distances. In cases where there will be no viewing, embalming is typically not needed. However, certain states or countries may have regulations about embalming or the timing of burial. It’s important to check with the funeral home to determine what’s required in your area. 3. How much does a funeral cost? The cost of a funeral can vary greatly depending on factors like location, the type of service, and the funeral home you choose. There are options to help manage funeral expenses, such as cremation (which can be less expensive than burial), choosing a less elaborate service, or purchasing a funeral plan in advance. 4. What is cremation, and how does it differ from burial? Cremation involves the process of reducing the body to ashes. Many people choose cremation for its simplicity, lower cost, and flexibility in how the ashes can be kept, scattered, or interred. Some people opt for a cremation memorial service, where the ashes are present but there is no body. Burial , on the other hand, involves placing the body in a casket and then burying it in a cemetery. This option may include the purchase of a grave plot, headstone, and other related services. The choice between cremation and burial depends on personal, cultural, and religious preferences. 5. What are the steps in planning a funeral? Planning a funeral typically involves the following steps: Notify family and friends : Reach out to close family and friends and inform them of the passing. Choose a funeral home : Select a funeral home to help with arrangements, including embalming (if applicable), obtaining necessary permits, and coordinating transportation. Select the type of service : Decide on whether you want a funeral, memorial, or graveside service. You’ll also need to choose the location and any religious or cultural elements to incorporate. Choose a casket or urn : Select a casket for burial or an urn for cremation. There are many styles and price ranges to choose from. Plan the ceremony : Work with the funeral director to plan the service, including music, readings, eulogies, and floral arrangements. Arrange for transportation : The funeral home will coordinate the transportation of the body to the service and burial or cremation site. 6. Should I pre-plan a funeral? Pre-planning a funeral is a personal choice. Many people choose to pre-plan to relieve their loved ones of the burden of making arrangements during a time of grief. Pre-planning allows you to specify your wishes for the service, casket, burial, and other aspects of the funeral, ensuring your desires are respected. Additionally, pre-paying for a funeral can help protect your family from rising costs in the future. However, it’s important to carefully consider pre-planning options, as funeral costs can vary, and you’ll want to ensure that the plan is flexible and fully understood by the family members who will carry out your wishes. 7. What are the options for scattering ashes? If you choose cremation, there are many options for what to do with the ashes: Scattering : Many people choose to scatter the ashes in a location that had significance to the deceased, such as a favorite park, beach, or nature spot. Keepsake urns : Some families choose to keep a portion of the ashes in a special urn or piece of jewelry. Interment : Ashes can be interred in a family plot or at a cemetery, either in a niche or within a memorial garden. Other creative options : There are many creative options for commemorating the deceased, including turning ashes into diamonds or using them to create a memorial reef. 8. What is a death certificate, and why is it important? A death certificate is an official document issued by a governmental authority that confirms the death of a person. It is essential for handling legal and financial matters, such as settling the deceased’s estate, claiming life insurance, and closing accounts. The funeral home typically assists in obtaining several copies of the death certificate. 9. Can I personalize a funeral service? Absolutely! Many families choose to personalize the funeral service to reflect the deceased’s personality, passions, or hobbies. You can incorporate meaningful music, photos, special readings, or even display personal items that were important to the deceased. The funeral director can help guide you through creative options for personalization. 10. What should I do if I can’t attend the funeral? If you’re unable to attend the funeral in person, consider sending flowers, a sympathy card, or making a charitable donation in the deceased’s honor. If the family holds a memorial service, they may also offer the option to participate virtually, such as through a livestream. It’s always thoughtful to express your condolences in any way possible. Funeral planning can be complex, but understanding the answers to these frequently asked questions can help make the process easier to navigate. Whether you are arranging a funeral for a loved one or pre-planning your own, it’s important to take the time to make informed decisions. By doing so, you can create a meaningful, respectful ceremony that honors the life and memory of the deceased, while providing comfort to those who are grieving.

April 4, 2025

Losing a loved one is an emotional and challenging time, and navigating the funeral process can feel overwhelming. Whether it’s your first time making funeral arrangements or you’re unsure about certain aspects of the process, it’s natural to have many questions. Understanding the typical procedures and options available can help ease the burden during this difficult time. Here are some of the most frequently asked funeral questions and their answers to guide you through the process. 1. What is the difference between a funeral and a memorial service? A funeral typically involves a ceremony held with the body of the deceased present, either before or during burial or cremation. It often includes a viewing or wake, where family and friends can pay their respects. A memorial service , on the other hand, takes place after the body has been buried or cremated and does not involve the presence of the body. Memorial services may be held in various settings, such as homes, churches, or other venues, and can be personalized to reflect the life of the deceased. 2. What is embalming, and is it required? Embalming is a process that involves preserving the body to delay decomposition, usually for viewing purposes. It is not legally required in most places but may be necessary if the body is to be displayed at a public service or transported over long distances. In cases where there will be no viewing, embalming is typically not needed. However, certain states or countries may have regulations about embalming or the timing of burial. It’s important to check with the funeral home to determine what’s required in your area. 3. How much does a funeral cost? The cost of a funeral can vary greatly depending on factors like location, the type of service, and the funeral home you choose. There are options to help manage funeral expenses, such as cremation (which can be less expensive than burial), choosing a less elaborate service, or purchasing a funeral plan in advance. 4. What is cremation, and how does it differ from burial? Cremation involves the process of reducing the body to ashes. Many people choose cremation for its simplicity, lower cost, and flexibility in how the ashes can be kept, scattered, or interred. Some people opt for a cremation memorial service, where the ashes are present but there is no body. Burial , on the other hand, involves placing the body in a casket and then burying it in a cemetery. This option may include the purchase of a grave plot, headstone, and other related services. The choice between cremation and burial depends on personal, cultural, and religious preferences. 5. What are the steps in planning a funeral? Planning a funeral typically involves the following steps: Notify family and friends : Reach out to close family and friends and inform them of the passing. Choose a funeral home : Select a funeral home to help with arrangements, including embalming (if applicable), obtaining necessary permits, and coordinating transportation. Select the type of service : Decide on whether you want a funeral, memorial, or graveside service. You’ll also need to choose the location and any religious or cultural elements to incorporate. Choose a casket or urn : Select a casket for burial or an urn for cremation. There are many styles and price ranges to choose from. Plan the ceremony : Work with the funeral director to plan the service, including music, readings, eulogies, and floral arrangements. Arrange for transportation : The funeral home will coordinate the transportation of the body to the service and burial or cremation site. 6. Should I pre-plan a funeral? Pre-planning a funeral is a personal choice. Many people choose to pre-plan to relieve their loved ones of the burden of making arrangements during a time of grief. Pre-planning allows you to specify your wishes for the service, casket, burial, and other aspects of the funeral, ensuring your desires are respected. Additionally, pre-paying for a funeral can help protect your family from rising costs in the future. However, it’s important to carefully consider pre-planning options, as funeral costs can vary, and you’ll want to ensure that the plan is flexible and fully understood by the family members who will carry out your wishes. 7. What are the options for scattering ashes? If you choose cremation, there are many options for what to do with the ashes: Scattering : Many people choose to scatter the ashes in a location that had significance to the deceased, such as a favorite park, beach, or nature spot. Keepsake urns : Some families choose to keep a portion of the ashes in a special urn or piece of jewelry. Interment : Ashes can be interred in a family plot or at a cemetery, either in a niche or within a memorial garden. Other creative options : There are many creative options for commemorating the deceased, including turning ashes into diamonds or using them to create a memorial reef. 8. What is a death certificate, and why is it important? A death certificate is an official document issued by a governmental authority that confirms the death of a person. It is essential for handling legal and financial matters, such as settling the deceased’s estate, claiming life insurance, and closing accounts. The funeral home typically assists in obtaining several copies of the death certificate. 9. Can I personalize a funeral service? Absolutely! Many families choose to personalize the funeral service to reflect the deceased’s personality, passions, or hobbies. You can incorporate meaningful music, photos, special readings, or even display personal items that were important to the deceased. The funeral director can help guide you through creative options for personalization. 10. What should I do if I can’t attend the funeral? If you’re unable to attend the funeral in person, consider sending flowers, a sympathy card, or making a charitable donation in the deceased’s honor. If the family holds a memorial service, they may also offer the option to participate virtually, such as through a livestream. It’s always thoughtful to express your condolences in any way possible. Funeral planning can be complex, but understanding the answers to these frequently asked questions can help make the process easier to navigate. Whether you are arranging a funeral for a loved one or pre-planning your own, it’s important to take the time to make informed decisions. By doing so, you can create a meaningful, respectful ceremony that honors the life and memory of the deceased, while providing comfort to those who are grieving.

Business Loans vs. Credit Cards: Pros, Cons, and When to Use Each

Understanding the pros and cons of credit cards and business loans is essential when managing business finances. Each option offers unique benefits and risks, so knowing when to use one over the other can make a big difference in sustaining financial health.

The Benefits of Using a Business Credit Card

Business credit cards offer several advantages for small expenses. One of the top benefits is the ability to earn perks, with many cards offering 1-3% cash back on purchases. If a business consistently funnels transactions like utilities, gas, or other recurring expenses through a credit card, these rewards can add up, potentially offsetting costs and contributing positively to the bottom line.

Credit cards simplify expense tracking and tax preparation, as all purchases are documented on a single account. Many credit card providers offer tools that organize spending categories, which can help monitor business trends and make data-informed decisions. For companies with multiple employees authorized to spend, credit cards create accountability by providing a transparent view of all transactions, aiding in tracking and budgeting.

Potential Drawbacks of Business Credit Cards

Business credit cards come with significant risks despite their convenience, mainly due to high interest rates. Failing to pay the balance in full each month can lead to interest charges as high as 20% or more, which can quickly eat into a business’ cash flow.

Additionally, the easy accessibility of credit cards can lead to overspending if not managed carefully. Business owners should be disciplined, ensuring necessary purchases and fit within the budget to avoid a debt snowball effect.

Advantages of Business Loans Over Credit Cards

Small business loans often provide better terms than credit cards for larger purchases or cash flow management. They also provide flexibility with lower interest rates, allowing businesses to borrow at a more affordable rate. Small business loans are ideal for larger expenses, like significant equipment purchases, because they provide a fixed amount with structured repayment terms. Unlike credit cards, these loans often come without prepayment penalties, allowing businesses to pay off the loan early without additional fees. This flexibility can be helpful when cash flow fluctuates, or additional capital becomes available.

Choosing the Best Option for Your Business

Business credit cards and loans have their place. Business credit cards can be incredibly convenient for day-to-day expenses but should be used cautiously to avoid high-interest debt. On the other hand, business loans are better suited for larger purchases or cash flow needs, providing a healthier, more affordable alternative.

Understanding the pros and cons of each option allows business owners to take a strategic approach to finance, ensuring that they make decisions that support growth and financial stability. When chosen carefully, both options can contribute positively to a business’ financial management.

Download Live Oak Bank’s free Guide to Ownership Transition or connect with Andrew Kennedy, VP of Funeral Home and Cemetery lending, at https://info.liveoakbank.com/guide-to-ownership-transition.