[Rick Lee]

You can get a little discount by prepaying your cremation. They get the money now and expect you to live a while longer, so you get locked in at current pricing. I deal with the demographic that cannot afford to prepay for anything, so they often get roped into super expensive payment plans, where, if they don't pay the plan off within 2-4 yrs, they get socked with a 40% finance charge and then they never really pay it off. Gotta be sure to prepay at a place that's part of a national network or is wherever you're sure you'll die. I ran into a guy whose 95 yr old mom prepaid everything for $5000 in 1988 in Dallas. She's in Phoenix now, will die here and will not get transported back to Dallas for that funeral plan. It's free money for that funeral home.