When a death occurs, clear guidance matters. If you are comparing options for a cremation service St. Charles, MO, you deserve a caring team that explains each step, answers questions quickly, and keeps your family informed with steady communication that lowers stress.

We bring that mindset to every arrangement. In difficult moments, we set expectations in plain language, confirm details before moving forward, and remain available. St. Louis Cremation is known for a calm process and a respectful approach that prioritizes people, which is why we focus on reliable procedures, prompt updates, and thoughtful support from first call to final paperwork.

What Helps Families Most In The First 48 Hours

The earliest hours can feel overwhelming, which is why simple, repeatable steps help everyone stay centered. We organize logistics, coordinate necessary authorizations, and outline timing in writing so you never wonder what is next. Our role is to reduce uncertainty, protect your time, and communicate clearly with one point of contact who understands your family’s needs.

Clear Steps Make Decisions Easier

A straightforward plan saves energy when emotions run high. We begin by listening to your priorities, then we match those priorities with a plan that respects your wishes. If you want a quick overview of what our care includes, the current scope of services is outlined on the services page, which explains how we coordinate arrangements and keep identification documentation precise.

• What to expect after the first call
• How we confirm authorizations and timelines
• Where to find checklists and helpful forms
• Who to contact for updates as plans move forward

Planning Ahead Brings Peace Of Mind

Advance cremation planning often reduces pressure on loved ones. When preferences are recorded, families can focus on remembrance rather than urgent logistics. Consider a few practical steps:

• Write down personal wishes and any faith or cultural considerations
• Choose decision makers and share where documents are stored
• Discuss memorial ideas and preferred locations with close relatives

If you are thinking ahead, our pre-arrangement team can guide you through the paperwork and timing so the process feels manageable from start to finish.

What Respectful Care Looks Like

Dignity shows in the details. We follow a careful chain of identification, use clear labeling, and document every transfer so families have confidence at each stage. If you would like an additional perspective on choosing a trustworthy provider, this earlier article on the role of trust in cremation services highlights practical questions to ask, such as how updates are shared and how care is verified.

Ways To Support Yourself And Others

Grief does not follow a straight line, so small, consistent actions can make a meaningful difference. These ideas often help families feel steady while plans come together:

• Build a short, rotating list of people who can check in daily
• Keep a shared note with tasks, contacts, and key dates
• Choose one quiet routine each morning, such as a short walk or journaling
• Share stories and photos to help relatives and friends feel included

We are here to guide you with empathy and practical support. If you need to begin arrangements today or want help mapping out next steps, we will walk you through choices and timing at a pace that feels right. To understand how we stay accountable, visit our Why Us page, then connect with us so we can help with your plans for cremation service St. Charles, MO. St. Louis Cremation is ready to assist with reliable care, steady communication, and compassionate direction.

I think that there still is a discussion about “Guaranteed” vs. “Non-Guaranteed” preneed funeral contracts.  Although, I would argue that for the past decade or so the vast majority of preneed accounts sold by funeral homes are “Guaranteed”.  By that I mean that the services and merchandise is picked out at pre-arrangement time and fully funded by a life policy of that face value. As time passes and the account holder dies the funeral provider, who also did the pre-arrangement, provides those services for the value of the death benefit at the time of death with no additional charges to the consumer/preneed client.

That has seemed to work very well, and depending on the state laws where written a funeral director may get more or less than his current charges for the services.  In some states he may not be able to keep any overage and any value of the policy above his funeral statement for services rendered must be sent to the named Seconday Beneficiary.

So, at least in those states, a funeral provider may have to guarantee goods and services that could have a higher value at death than the proceeds of the policy.  That works out as a “discount” by the funeral provider.  On the other hand, the funeral home can never take an overage so over a number of contracts he probably has discounts because of under-inflationary growth that are never offset by gains on the other side.

For most funeral homes that method works just fine and the idea of having a preneed account on the books and the commission it generated when put in place may make up for the number of discount funerals that happen.

In Minnesota where I worked the law required that the beneficiary of a preneed policy be “Any funeral home as their interest may appear” which meant we could only be paid, as primary beneficiary, the amount of our statement.  In essence, we never received an overage but if the preneed policy was “guaranteed” we could be underpaid.

It also allowed the consumer/preneed client a “Bag of Money” that was not tied to a certain funeral home.  That was a handy sales tool when dealing with seniors who may be thinking about moving to a southern state or, as they got older, to the community of their children.  It allowed them a “Bag of Money” in their pre-arrangement account that was “portable”.

Tom Anderson
Funeral Director Daily

Again, as to “Guaranteed preneeds” they generally work very well and are probably not a financial issue unless, like recently, you have a very high inflation rate for a period of time and a fixed low-interest rate growth preneed product.  And, some costs you just cannot control — such as utilities, property taxes, the cost of steel or lumber in casket manufacturing, the cost of concrete in vault manufacturing.  In essence, you can try to control costs. . . .but not all are controllable by you.

So, what does that mean on “Guaranteed” funeral pre-arrangements?  For our assumptions let’s just say a preneed client has a work-up of exactly $9,000 for the services he/she wants to pre-arrange.  Furthermore, we will say for a one-time premium of that amount that the insurer adds $1,000 of face value to that policy.  So, the policy starts at $10,000 of face value and has an annual 2.5% growth rate on the $10,000 face value (which came with a $9,000 single premium).

That policy, in ten years will have an appreciated face value of $12,800.

If you run the inflationary numbers on the $9,000 of merchandise and services (and profit) for the same ten years.  If your inflationary costs went up:

• 3% annually — you would have a cost of service of $12,095
• 4% annually — you would have a cost of service of $13,222
• 5% annually — you would have a cost of service of $14,660

And, at death you provide the services that cost you, including profit, that much and receive the $12,800 in full payment from the policy.

As you can see from our small illustration on one potential account, the average annual inflationary costs probably have to get above 4% to create a loss of margin large enough to worry about.  In our example that 4% is about 1.5% higher than the insurance company is crediting the policy.

Our example does show the importance of receiving some “insurable additional value” to the policy in order to make this work stress-free.  For instance our example case adds $1000 of face value to the $9,000 single premium.  Without that “Bonus” the face value — compounding at 2.5% annually for ten years — would only be worth about $11,520.  The lack of the additional “Bonus insurance”, many times called a “Bump” in the Death Care world, would increase the odds of a deficit between the funeral home’s actual costs and the insurance benefit provided.

By the way, as you can find with this inflation calculator here, in this time of “higher than average” inflation, a purchase of $100 in 2020 would cost $124 in 2025 — which is an annual average inflation of 4.49%.

Do “Guaranteed” funeral preneed accounts work in high inflationary times?  That is truly a question that has to be answered by each Death Care provider owner.  Again, one has to weigh the benefits of securing a future death call with the potential for getting a lower than inflationary return on the sale cost.  And, each individual owner will have their own anxiety levels on the level of discounted funerals they execute.

There is no “right or wrong” decision on operating your preneed department with “Guaranteed” or “Non-Guaranteed” policies.  However, making sure that you know the math and the ramifications of that math is essential in providing the best possible scenario for your funeral home.

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Selected Independent Funeral Homes Lets the Good Times Roll at 107th Annual Meeting in New Orleans

LINCOLNSHIRE, Ill. – June 17, 2025 – The world’s leading independent funeral service professionals will gather in New Orleans, LA for Selected Independent Funeral Homes’ 107th Annual Meeting at The Ritz-Carlton on September 28 – October 1.

True to this year’s theme of “Let the Good Times Roll,” participants will have ample opportunities to network with colleagues, experience engaging educational sessions and obtain valuable continuing education credit. During the meeting, the Association will induct its newest Board Representatives and Officers, while recognizing the contributions of its outgoing Officers.

Keynote speaker Commander Kirk Lippold, USN (Ret.) will present “Leadership & Accountability When It Matters.” Commander Lippold was the Commanding Officer of the USS Cole when it came under a fatal terrorist attack by al Qaeda in the port of Aden, Yemen, on October 12, 2000. Using his experience from this devastating terrorist attack as a backdrop, Commander Lippold conveys how the principle of integrity created a diverse and inclusive environment for leadership where his crew felt empowered with a sense of ownership, seizing the opportunity to be responsible for their ship, and not just their jobs.

The Ritz-Carlton Leadership Center, an award-winning employment brand, will present “A Culture of Excellence: Building Success from Within” during the General Session. They will share best practices on how to activate and sustain a culture where valued and empowered employees own the customer experience. Leaders ready to transform their organization will walk away with actionable ideas to elevate experiences and engage employees.

Many other dynamic speakers will share valuable insights at the Annual Meeting. View details of all speakers and sessions online. Additional highlights will include the following:

• Up to 10.0 hours of continuing education credit (1.0 CE Units) by the Academy of Professional Funeral Service Practice and states requiring CE. (Approvals vary by state.)
• Recognition of Selected Membership Milestone anniversaries.
• Induction of Selected’s 2025-2026 Board Chair and President, 2025-2029 Board Directors and recognition of outgoing Officers.
• Recognition of the Selected Educational Trust’s Ambassador of the Year Awards.
• Opportunities to connect with Selected’s Preferred Partners both at their individual displays and during informational “Conversation Café” sessions.
• Several members-only sessions and activities for Selected members including luncheons for members of Selected’s Communities.
• Two days of exclusive Selected Study Groups events for Selected Study Groups participants.

“For more than 100 years, Selected has used our Annual Meeting as a catalyst for positive change and an incubator for innovation,” said Tom Antram, 2024-2025 Selected President. “The good times happen when we are together. I’m excited to Let the Good Times Roll as we gather in New Orleans this fall!”

Spots are filling quickly! Register and make your hotel reservations today.

About Selected Independent Funeral Homes:

For more than 100 years, Selected Independent Funeral Homes has been the leading association of independently owned death care providers. The Association connects leaders in funeral service by delivering innovative and pertinent resources, solutions and ongoing support to its international network. These leaders transform care as they aspire to the highest quality standards and best practices. As the capstone of Selected’s year, the Annual Meeting gives members and participants an opportunity to create the future of funeral service.

Funeral Director Daily presents you the final report of our hat trick of financial reports this week.  Today we bring you the results of Matthews International’s operations for the period of January thru March 2025 which is the company’s 2nd fiscal quarter of the year.  Earlier this week we reported on the same period of time for Service Corporation International and Carriage Services. . . . It is the first time in my writing of Funeral Director Daily that I can remember having three quarterly reports coming out in the same week. . .

In any regards, there is a lot to digest in the Matthews International report.  As we always point out, Matthews is a diversified company with one of their three segments involved in Death Care.  That segment includes a cremation business that builds crematories, a wholesale casket business known as Matthews Aurora, and a segment dedicated to cemetery memorials and markers, as well as a complete line of cremation products.

For the 2nd Quarter of 2025 Matthews reported that their Memorialization Segment had revenues of $205.6 million which is down about 7.5% from the same period in 2024.  Furthermore, the company states that the Memorialization Segment has 6-month sales revenue of $396.1 million as compared to sales of $430.2 million for the first six months of fiscal 2024 — that is a drop of about 8.0%.

Here’s how Matthews International explained that sales slide in prepared remarks in a press release, that you can access here, on the company’s 2nd Quarter, “The Memorialization segment decline primarily resulted from lower unit volumes of caskets, cemetery memorials, and cremation equipment, partially offset by improved price realization. Lower casketed deaths resulting from the continued normalization of death rates post-pandemic impacted the segment’s sales compared to a year ago.”

In essence, it seems to me that, first of all, there were less casketed deaths in the quarter, but it also seems to say, “We raised prices and then sold less”.  In my opinion, that is probably a strategy that will not play well in today’s market.

The Matthews Dilemma:  In the press release about the 2nd Quarter 2025 results Matthews CEO Joseph Bartolacci also makes this comment, “The Company’s comprehensive evaluation of strategic alternatives for our entire portfolio remains ongoing. The Board and I firmly believe the inherent value of the Company is well above current trading levels and, over the next several months, we intend to identify the appropriate path to unlock this shareholder value. . ”

Matthews International, in the latest report, state a 6-month Net Loss before Income Taxes of over $17 million as compared to the same period of 2024 when they reported a $4.8 million positive income in the same category.

In getting to that equation, not only has the Memorialization Segment seen reduced year-over-year sales in 2Q25 but so has the Industrial Technologies Segment of the business — which had a sales decrease of 30.4%.  The only segment that had an increase was the SGK Brand Solutions Segment, which increased sales by about 6.2% year over year.

However, as this recent press release indicates, Matthews International has recently sold what appears to be about a 60% equity interest in the SGK Brand Solutions Segment of the company.

Related Article —  “Matthews International sells SGK Brand Solutions”.  Pennsylvania Business Report (PA)

Tom Anderson
Funeral Director Daily

Funeral Director Daily take:  As a Death Care publication I look at the business situation at Matthews International with a wonder of how will it all turn out.  The SGK Brand Solutions Segment sale should bring in some much needed capital which one would expect would be used to turn around the revenue declines at the Memorialization and Industrial Technologies segments.

It should also be noted that CEO Bartolacci made this comment about the sales in the Industrial Technologies Segment, “. . .demand and interest in our energy storage solutions are regaining strength as customer quotes since early February 2025 have exceeded $100 million.”   That fact would also be a positive development in getting the company back on track.

With total company sales down about 10% for the first six months of Fiscal Year 2025 ($829.4 million as compared to $921.2 million for the first six month os FY2024) I would expect that there is some pressure from stockholders to turn things around.

In my opinion there is a hope that the energy storage solutions that Matthews has invested in turns out to be a viable winning product and I would also expect some type of move to regain positive momentum in the Death Care/Memorialization segment as well.

I expect the 2nd half of Matthews International’s 2025 fiscal year, and the decisions made in that time period, to quite  possibly be the most significant and decisive six months in charting the future plans and strategies for the company’s next decade.

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“A servant’s attitude guided by Christ leads to a significant life”

It’s an exciting first weekend we just experienced, with the opening of the Summer Olympic Games in Paris, France. The week of the Olympics landed in the midst of a very busy series of news cycles that document world events and daily news. Good and bad news abounds, everywhere you look it seems. You just have to pick and choose what you want to let into your day. Yet, it’s important to be aware of the world around us, because the earliest displays of the lessons we teach our children revolve around how we respond to the ups and downs of life.

Olympic athletes spend their lifetimes, mostly, dedicated to a singular purpose of training their bodies, minds, and spirits for excellence. From early inspirations, to learning from coaches, to finding personal trainers, and giving hours of sacrificial practice in lieu of taking it easy, no one person wins an Olympic medal alone. It truly does a team to train that future competitor. And, on the days of competition, everyone who has had a hand in the process of that person’s development can take a deep breath and smile, knowing that they played a role in getting them there.

Children are constantly monitoring adults to watch their examples of how to celebrate good news as well as to absorb bad news. Sometimes it’s easy to forget that, especially if you’re new to having a new member of your household. I was watching some of the Olympic coverage this weekend and there was a commercial that showed multiple children racing around a track at school, clearly competing with one other.

Segment after segment showed one child falling down, on a running track, on a soccer field, or a baseball field, and another child, a competitor, nearby stopping or turning back to go back and help the other child up, putting them back on their feet and giving them an encouraging pat on the shoulder. Not one word was said during the 30-second commercial until the end when the announcer said something to the effect that “Set the example for them to follow.” Message received and beautifully delivered.

The three Olympic

that are set forth are excellence, respect, and friendship. Whether in international sporting competition or in local business, these are three excellent values to hold to if you want to build and sustain positive relationships to endure for the length of time that you have your business. It’s certainly what we strive for, and our children are listening and watching everywhere we go and what we do and say. That’s a positive reason to be consistent, kind, and caring in everything we do.

It’s not easy, especially when in times where we don’t always agree with one another, in whatever setting we find ourselves in, disagreements may arise, tempers can flare, but just as quickly, we can reassess what a particular friendship means to us before we allow a disagreement to damage or even destroy it. Name calling is no more suitable for adults than for children. Possibly with the exception of one or two particular football games, we can all just agree to disagree with the opposition on who is right and who has failed, one year at a time, and the loser can repeat the mantra, “Wait ‘til next year,” and there’s always a next year. Always.

However, it does no good to trash-talk the opponents just for the sake of popular rivalries, because children don’t yet distinguish good-natured ribbing from attacking or cutting down the competition. Still, old habits die hard…particularly during football season. It’s bound to happen once you start collecting clothing in either maroon or orange…and goes from there.

Good examples of the USA Men’s and Women’s Swimming team were all around to watch this weekend. As one swimmer prevailed in the contest and the top three came in, you could not distinguish the joy between all of the USA teammates, as they sincerely celebrated one another as though each had prevailed as the winner, because as fellow members of Team USA, they were all indeed genuine winners.

Just making the trip to the Paris games means elite standing among world athletes. In the heat of competition, it’s easy to forget the statistical probability of an athlete coming from a small town in a small state, never before having seen their name in print beyond the local or state papers. And, with each special award and honor earned, every night and every day during the Olympic coverage, names are repeated, video footage of amazing victories, some separated by hundreds of seconds is shown, and reshown, and new names will be forever remembered from this week forward.

Learning how to lose is just as important as learning how to win. Most successes in life come after multiple failures. We learn most from our failures if we are wise and pay attention. If we keep in mind that every day we are modeling behavior to other eyes, adult, and child alike, then perhaps more people will mirror our behavior, if they like what we see. Treating people as you wish to be treated is something we learned in kindergarten, but it’s still true. No one person is as smart as “all of us,” and we can always benefit from the wisdom and experience of those who went before us, paving the way.

Congratulations to all our Olympians competing in Paris these next weeks and be prepared to shed a tear or two when the national anthem is played, and we receive our share of Gold Medals (if this first weekend is any indication). It’s a wonderful time to be an American and to cheer for Team USA as we Go for the Gold!

Cody D. Jones ’02

Owner & Community Member

It’s an exciting first weekend we just experienced, with the opening of the Summer Olympic Games in Paris, France. The week of the Olympics landed in the midst of a very busy series of news cycles that document world events and daily news. Good and bad news abounds, everywhere you look it seems. You just have to pick and choose what you want to let into your day. Yet, it’s important to be aware of the world around us, because the earliest displays of the lessons we teach our children revolve around how we respond to the ups and downs of life.

Olympic athletes spend their lifetimes, mostly, dedicated to a singular purpose of training their bodies, minds, and spirits for excellence. From early inspirations, to learning from coaches, to finding personal trainers, and giving hours of sacrificial practice in lieu of taking it easy, no one person wins an Olympic medal alone. It truly does a team to train that future competitor. And, on the days of competition, everyone who has had a hand in the process of that person’s development can take a deep breath and smile, knowing that they played a role in getting them there.

Children are constantly monitoring adults to watch their examples of how to celebrate good news as well as to absorb bad news. Sometimes it’s easy to forget that, especially if you’re new to having a new member of your household. I was watching some of the Olympic coverage this weekend and there was a commercial that showed multiple children racing around a track at school, clearly competing with one other.

Segment after segment showed one child falling down, on a running track, on a soccer field, or a baseball field, and another child, a competitor, nearby stopping or turning back to go back and help the other child up, putting them back on their feet and giving them an encouraging pat on the shoulder. Not one word was said during the 30-second commercial until the end when the announcer said something to the effect that “Set the example for them to follow.” Message received and beautifully delivered.

The three Olympic Values that are set forth are excellence, respect, and friendship. Whether in international sporting competition or in local business, these are three excellent values to hold to if you want to build and sustain positive relationships to endure for the length of time that you have your business. It’s certainly what we strive for, and our children are listening and watching everywhere we go and what we do and say. That’s a positive reason to be consistent, kind, and caring in everything we do.

It’s not easy, especially when in times where we don’t always agree with one another, in whatever setting we find ourselves in, disagreements may arise, tempers can flare, but just as quickly, we can reassess what a particular friendship means to us before we allow a disagreement to damage or even destroy it. Name calling is no more suitable for adults than for children. Possibly with the exception of one or two particular football games, we can all just agree to disagree with the opposition on who is right and who has failed, one year at a time, and the loser can repeat the mantra, “Wait ‘til next year,” and there’s always a next year. Always.

However, it does no good to trash-talk the opponents just for the sake of popular rivalries, because children don’t yet distinguish good-natured ribbing from attacking or cutting down the competition. Still, old habits die hard…particularly during football season. It’s bound to happen once you start collecting clothing in either maroon or orange…and goes from there.

Good examples of the USA Men’s and Women’s Swimming team were all around to watch this weekend. As one swimmer prevailed in the contest and the top three came in, you could not distinguish the joy between all of the USA teammates, as they sincerely celebrated one another as though each had prevailed as the winner, because as fellow members of Team USA, they were all indeed genuine winners.

Just making the trip to the Paris games means elite standing among world athletes. In the heat of competition, it’s easy to forget the statistical probability of an athlete coming from a small town in a small state, never before having seen their name in print beyond the local or state papers. And, with each special award and honor earned, every night and every day during the Olympic coverage, names are repeated, video footage of amazing victories, some separated by hundreds of seconds is shown, and reshown, and new names will be forever remembered from this week forward.

Learning how to lose is just as important as learning how to win. Most successes in life come after multiple failures. We learn most from our failures if we are wise and pay attention. If we keep in mind that every day we are modeling behavior to other eyes, adult, and child alike, then perhaps more people will mirror our behavior, if they like what we see. Treating people as you wish to be treated is something we learned in kindergarten, but it’s still true. No one person is as smart as “all of us,” and we can always benefit from the wisdom and experience of those who went before us, paving the way.

Congratulations to all our Olympians competing in Paris these next weeks and be prepared to shed a tear or two when the national anthem is played, and we receive our share of Gold Medals (if this first weekend is any indication). It’s a wonderful time to be an American and to cheer for Team USA as we Go for the Gold!

Cody D. Jones ’02

Owner & Community Member

Sometimes I find my inspiration for these writings in the oddest of places. . . Yet, I seem to have this ability to relate things that I see in everyday life to the funeral profession and funeral business.  It happened again this past weekend.

On Friday I received a phone call from a great friend in the funeral home business.  We see most things from the same point of view and we both happen to be college basketball fans.  As you are probably aware the college basketball season was in high gear culminating Sunday and Monday with the Women’s and Men’s Championship games.  And, while not wanting to bore this death care audience let’s just say we talked about all the changes happening not only with the college transfer and renumeration issues but the huge popularity of the women’s games being brought about by emerging national stars Caitlin Clark and Page Bueckers.

It’s interesting and arguable. . .but, the Men’s college game no longer has the stars like the women’s game does. . . Preliminary indications suggest that for the first time ever the national championship game for the Women had more TV viewers than the championship game for the Men.  Yes, “the times they are a -changin”.

We got around to talking about death care, too.  We talked about rising expenses and lower per case revenues and discussed how that is crippling profitability for operators who don’t have a certain scale to their business.  And, we discussed a statement we both had seen that at least one industry expert expects almost 50% of the independent firms to change hands in the next few years. . . . some after over a century of continuous family ownership — like my former firm.  Yes, “the times they are a-changin”.

Tom Anderson
Funeral Director Daily

We talked about employee issues, the difficulty to procure great professional help and the fact that most of the new employees entering funeral service are now female. . . according to this 2017 Associated Press article, 74% of funeral directors were men at that time, but 65% of the students in mortuary science were female – and I’m guessing the percentage of female students is only growing at this time 7 years later.  As a matter of fact, according to this 2022 article, which quotes the National Funeral Directors Association, it says 79% of today’s students are female.  Yes, “the times they are a-changin”.

Then on Saturday as I was at the local coffee shop reading the Minneapolis paper cover to cover — I call my Saturday mornings “Starbuck Saturdays” because I reward myself for six days of workouts with this behavior — I read that six weekly Minnesota community newspapers were going out of business.  This situation would leave those communties without a local hard-copy news source.  Two of the newspapers had been published for 160 continuous years – that goes back to the days of the Civil War – and one for 140 continuous years.  Yes, “the times they are a-changin”.

It just made me think that we live in a “continually changing world”.   Think of funeral service. . . ten years ago would we have looked at natural organic reduction (human composting) as a threat to some of our market share?  Would we have looked at the high, and increasing, percentage of deaths without some type of service as cutting into our revenue streams?  Would we have thought that many people would prefer to stream a service online rather than be there in person?

It brings me to the point I now take that in simply thinking about how our profession and its services do change, it is probably a very good policy to look within your business unit and try to understand the changes taking place and how you can prosper from them.  And, change and trends happen faster in today’s connected world so it is probably a good idea to take that initiative a couple of times a year and visit with your staff to make sure you are offering the services that your clientele expect and want.

If you want to stay relative with what you are doing for those who suffer loss, I think it is imperative to stay on top of those changes and be proactive.  By the time you are reactive, your competitor may already be serving those families.

The Headline – Bob Dylan:  Bob Dylan was the first American musician to win a Nobel Prize for Literature, based on the lyrics of his songs.

Bob Dylan’s 1964 hit  – “The times they are a-changin“ from YouTube

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“A servant’s attitude guided by Christ leads to a significant life”