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How to Protect Yourself from Scams Scams are more common than ever—on the phone, online, and even at your front door. Whether you need help around the house or someone’s asking for a donation, it's important to stay alert and follow a few clear rules to protect yourself. Rule 1: Don’t Hire Strangers Who Come to Your Door If someone knocks and offers to do work like yard care, roof repairs, or window washing: They may say they’re working nearby and offering a great deal. They might try to earn your trust or create urgency by scaring you. They often ask for money up front. What to do: Don’t open the door to strangers. Only hire professionals you contact directly and who can provide references. Rule 2: Don’t Share Personal Info Over the Phone or Internet If someone calls, emails, or texts asking for personal details, donations, or purchases: They may say it’s “free” or “for a good cause.” They may pretend to be from the IRS or Social Security. They may pressure or scare you. What to do: Never give out information or send money. Simply say, “I don’t do that over the phone,” and hang up. Use call screening to avoid unknown callers. If you’re asked to act quickly—especially involving money—take a cooling-off period . What to do: Choose a trusted friend or family member as your “decision buddy.” Make it a rule to check in with them before making any major decisions. Stay Informed and Prepared Talk with loved ones about scams. Make a short list of personal “no exception” rules. Sign up for scam alerts at AARP.org . If You’ve Been Scammed You’re not alone—and it’s not your fault. Report the scam to: Your State Attorney General The Federal Trade Commission (FTC) The FBI’s Internet Crime Complaint Center (IC3) Ask for help. Scammers are skilled manipulators—it can happen to anyone. The best protection is preparation.

Understanding Cremation: A Professional Overview  Cremation has been practiced for thousands of years and continues to be an integral part of many cultures and belief systems. While it is mandated by some religions, it is prohibited by others. Governments, tasked with safeguarding public health and community standards, regulate both cremation and burial practices. Fundamentally, both cremation and burial serve the same purpose—returning the body to the earth. Cremation achieves this process rapidly, and burial is more gradual. Legally and culturally, both are accepted methods of final disposition, though cremation often raises more questions for families. Cremation takes place in a specially designed facility within a unit known as a cremation chamber, retort, or cremator. Only one individual is cremated at a time. The body, typically clothed or shrouded, is placed in a container made of combustible material before being introduced into the chamber. The cremation process usually takes between two and three hours, depending on the size of the individual and the heat capacity of the chamber. The internal temperature typically ranges between 1,500 and 1,900 degrees Fahrenheit, effectively reducing the body to basic elements, primarily bone fragments. Once the process is complete and the chamber has cooled, the remains are carefully swept from the chamber. Metals are separated and removed, and the remaining bone fragments are processed into a coarse, gravel-like consistency. The final result is a grayish- white material that is more granular than fine ash or dust. On average, cremation yields four to six pounds of remains. The individual’s height has a greater impact on the volume of remains than weight. Chemically, cremated remains consist largely of calcium carbonate. Families have several respectful and legal options for handling cremated remains, and it is essential, though often overlooked, to have a plan in place that honors the deceased and provides peace of mind for loved ones. Alkaline Hydrolysis, better known as Aquamation is another form of cremation. Alkaline hydrolysis, also known as water cremation or aquamation, is a process that uses water, heat, and an alkaline solution to dissolve human remains. It's an alternative to traditional cremation, offering a potentially more environmentally friendly option. How it works: The deceased is sealed in a stainless steel chamber. A heated solution of water and an alkaline compound (often potassium hydroxide or sodium hydroxide) is circulated around the body. The combination of water, heat, and alkalinity gently breaks down the soft tissues, leaving behind bone fragments. The remaining bone fragments are processed, similar to traditional cremation, to produce fine ash. The liquid solution is processed at a water treatment facility and can be returned to the natural environment. Benefits: • Environmental: Alkaline hydrolysis is generally considered more environmentally friendly than traditional cremation, as it requires less energy and doesn't produce the same emissions. • Lower energy consumption: It uses significantly less energy than traditional cremation. • No toxic emissions: It doesn't produce the same amount of toxic emissions as traditional cremation. • Reduced burial space: It can be a good alternative for those seeking to avoid traditional burial. Considerations: • Religious or cultural beliefs: Some may have reservations about this process due to religious or cultural beliefs. • Cost: The cost of alkaline hydrolysis can vary depending on location and the specific service provider. • Availability: It's not yet widely available in all areas. Disposition Options Include: • Cemetery Burial: Many cemeteries permit the burial of cremated remains in an existing family grave site, allowing for shared space and a designated place of remembrance. This can be a cost-effective option. • Scattering or Sea Burial: Ashes may be scattered on private property or buried at sea. For maritime disposition, families should refer to the U.S. Environmental Protection Agency guidelines at epa.gov. Funeral homes often partner with specialized services to ensure legal and respectful sea burials. • Urns and Memorial Keepsakes: Cremated remains may be kept in a traditional urn or divided among family members using keepsake urns or memorial jewelry. This option allows for a deeply personal form of remembrance. Navigating these choices can be overwhelming, but support is available. A funeral director or advanced funeral planner can offer invaluable guidance. These professionals typically provide consultations at no cost and can ensure that your loved one's final wishes are carried out with dignity and care.