Witnessing and actually stopping to be thankful for the changing into such a beautiful season, is much like embracing the gift of life God has given to each of us.  We are all “unique” and “special” in God’s eyes, colorful in our personalities, and are blessed when our family members and friends embrace and appreciate these qualities as well.  Life is such a gift that we are all innocent of, more or less, taking advantage of our next breath, as though it is something that is a “given”.  Times have changed so much that, most of us approach each new day with the thought of how much fun we can have without stopping to truly value the opportunity each new day presents to us. 

Each new day is an opportunity to become a better person, parent, grandparent, friend, brother, sister, and most importantly, child of God.  Yes, each new day can also present us with new challenges, bumps in the road, and sometimes what seems to be “mountains to climb”.  With the changing of our times and the economy, this can sometimes appear to be a greater test to our character than we, as humans, feel we can bear. 

Serving in the funeral industry and helping families get through the most difficult time in their lives, (the loss of a loved one), can be challenging especially in today’s economy.  We, at Lowmans Arizona Funeral Home, are very mindful of the hard times many families face and believe that the prices and services we offer reflect our awareness.  We know that people aren’t only looking for a good price, but also meaningful and valued services for that price.  It has been a conscious decision for us to keep our prices in “check” to continue to serve our families with integrity, being mindful of the significant rises in the cost of gas, groceries, utilities, clothing, healthcare, childcare, entertainment, (I was shocked to learn that a movie now costs $9.50 per person!), and the list goes on.

Serving and speaking with so many families, we have become more and more aware of some of our competitors philosophies and pricing.  We are presented daily with families that come in with a competitors “quote” that exceeds ours by literally a thousand dollars to thousands of dollars. 

To be genuine and honest in the last statement, we have learned that the corporate owned competitors have a “professional fee”, (a non-declinable fee), that is $2,200.  Their “removal” fee, (transportation of a loved one from the place of death to the funeral home) is $695.  Those two fees add up to $2,895.  Add in their cost of preparation of human remains, $695, and you are already at $3,590.  Keep in mind that there are many other fees involved in creating a funeral service.

Our “professional fee” is $950; “removal” is $225.  When we, here at Lowmans Arizona Funeral Home, add in the cost of preparation of human remains, (embalming), dressing, cosmetics, and casketing, visitation, funeral service, graveside service, transportation to the church and/or cemetery, our total for all of these services comes to $2,575.  This does not include the casket, (pricing begins at $475 or the $100 memorial package).  It does, however, give you a pretty good idea that we are conscious and mindful that these times have created a bigger challenge for families to be able to financially afford a meaningful and much needed service when God has call a loved one home.  We also, at no additional charge, process Life Insurances and pension plans to assist our families in navigating through the mountains of paperwork you are faced with when a loved one dies.  We are here to help you trigger the grieving process, (which is healthy), as well as help guide you through the entire process of, not just caring for your loved one, but also caring for you.  In the 14 ½ years of serving you, our cremation price has only risen once.

Since we have opened our doors for business, we have made a conscious effort to provide you, the community, with helpful and important information to assist in empowering you to ask the right questions and better aid you in making educated and reasonable decisions when it comes to the loss of a loved one.  We truly believe that we are here to serve, striving, on a daily basis, to present you with the best possible options at a most difficult time, while still being mindful of today’s economy.  Since day one, we have always encouraged you to have a budget for a service and to do what you can to stay within that budget. 

Our loved ones don’t want any of us to go into financial debt at such a difficult time.  We will continue to encourage all of you to pre-arrange your own services, reflecting your desires of how you want things done, assisting you in ways of keeping the costs down, without compromising the quality of services provided.

All of our prices are located on our website; www.lowmansarizonafuneralhome.com, so this information is available at your fingertips.

As always, we appreciate you taking the time to read this article and hope that the information provided is helpful to you.  Bill and Ingried Lowman are available 24/7 at (602) 276-3601, toll free (877) 276-3601, fax (602) 276-1889, or our website, listed above.  May all of you be richly blessed this spring and Easter season.

What is the new tax law?  As of January 1^st, 2011, should your estate be worth more than 1 million dollars, the estate will be subject to a 55% federal tax.  Translated, if, when you die, your estate, (home, properties, savings, insurances,401k’s, IRA’s, stocks and bonds, cars, boats, trailers, etc..) is worth 1 million and 1 dollars, you will be taxed $550, 000.55.  This is over half of your estate.  Please be aware that you or your loved one have already paid federal and state taxes on what you (they) have accumulated.  Once you consider everything you own; your property, your checking and savings accounts, insurances, investments, cars, collectables, etc…, you may be surprised that it doesn’t take much to reach 1 million dollars.  In order to pay these taxes, property (properties) may need to be sold and other possessions liquidated to satisfy your tax liabilities.  Just thinking of what has happened to the economy in the last 3-4 years; this change in the death tax is like adding insult to injury.  Many will say, “No problem, I don’t have over 1 million dollars, so I don’t have to do anything.”  Like my mother would tell me at times; “That’s a bad attitude. Do something!!”  You see, I was raised with the attitude that “If it is to be, it’s up to me!”  In other words, please don’t assume things will just work there way out without you taking action.  Next to God, you are your next best protector.

Having a will allows you to leave all of your assets to your family, charities and others that you wish to benefit.  A will also allows you to name a guardian for any dependant children in the event something happens to you.  You can spell out all of your wishes and name your beneficiaries.  With a will, probate may still be necessary.  This means that there will then be a charge for a probate attorney and court costs that go along with it.  Doing nothing only lengthens the time it takes to go through probate and increases you attorney and court fees.

We have heard that with the new law, previously set up funding formula clauses and trusts may no longer be applicable given the new $5 million federal estate tax exemptions.  The fact is, the laws are so hard to interpret that you don’t want to “assume” anything. 

No, we are not attorney’s, however, we ourselves have experienced loss and both of our parents created trusts, which allows you to provide for your dependent children, spouse or partner financially, while protecting your assets from creditors and applicable taxes.  When you create a trust, you will need to name a trustee, who will oversee the trust. 

Whether it is a will or a trust you create, whomever you name to oversee them, should be someone you truly trust.  With both, a will or a trust, you should name a secondary person you trust just in case your “first choice” be unable to execute the estate plan.

If you have life insurance and retirement assets, it’s best to name your primary and alternate beneficiaries directly, as opposed to your estate, to bypass income taxes.  To date, if life insurance is left to a specific individual, it is not subject to estate taxes.

Currently, the state of Arizona does not have an estate tax at the state level, but there is still the federal death tax.  If you are a resident of another state or have real estate property in another state, that state, like many, may levy taxes that apply.

In short, it is important to take another look, or perhaps your first look, at your goals and your intentions for when you go home to be with the Lord.  Based on the economy, and perhaps how your family has grown, you may have new goals or wishes that need to be accomplished with your estate plan.  You may need to consider financing college educations, creating a business succession plan, providing for a special needs

child, or retaining a vacation home.  Whatever it is, we can only pray and encourage that you do something.

Remember, the federal government isn’t ruled by the same “heart” that you have and, as you can see by the new federal death tax law, is not considering your spouse, other loved ones, or your valued charities.

You can create your own will or trust simply by going to legalzoom.com or purchasing a program for your computer that will walk you through the entire process.  It will be money well spent and saved!!

We thank you for taking the time to read this article and hope that the information provided is not only helpful, but gives you the extra push you need to get your affairs in order.  May God guide all of you and richly bless you.

As always, Bill and Ingried Lowman are available 24/7 at (602) 276-3601, toll free at (877) 276-3601, fax number at (602) 276-1889 or our new website at lowmansarizonafuneralhome.com.

What is estate planning?  It is the process of arranging for what will happen to your property when you die.  Everything you own at your death is considered your “estate”.  It can also involve making arrangements for the care of your dependent children, planning for your own care in case someday you can’t make decisions on your own, (your “living will” is part of your estate planning), and taking the necessary steps to avoid probate court proceedings at the time of your death.  If you have a large estate, it is wise to be concerned with the “share” that the federal estate tax can acquire at your death.

The most important reason to set up an estate plan is to have some control about who gets your property when you die.  In order to accomplish this “control”, you need a will or a trust to ensure that your wishes are honored.  Think about it. An average person works 40 plus years to accumulate all of their asset’s, spends ten years protecting these asset’s, and usually doesn’t spend two hours to plan for the distribution of their assets.   Being in the funeral industry, we know to well the chaos that often occurs following the death of a loved one.  Failure to plan your estate’s distribution only intensifies that chaos, adding unwarranted stress to an already devastating situation.

If you fail to create a will, living trust, or other legal methods to transfer your property in the event of your death, state law will determine what happens to your possessions.  Your personal assets will be distributed to your spouse and children, or, if neither exist, to other relatives according to our state law.  If no relatives can be found to inherit your estate, it will go into the states coffers, (treasury).

Both a will and a basic living trust will allow you to leave your property to the people you want to inherit it.  You can change both documents, at any time, for any reason, prior to your death.  The advantage of a trust is that assets left in trust don’t have to go through probate court proceedings.  During your lifetime, you have the control over all of the property and assets in your living trust and are able to do what you want with it – sell, spend, or give it away.  Upon your death, the person you named to take over as trustee distributes the property according to your wishes contained in the trust.

If you would ask a family that has been through it, you would probably hear that, “Probate court is a waste of time and money.”  It usually takes nine to 18 months to file a deceased person’s will with the court, gather the assets, pay off creditors and taxes and eventually distribute what is left as the will directs.  Naturally there are attorney fees, appraisal fees, accounting fees and probate court fees.  This usually reduces the amount of the estate by 50% or more.  There are those special cases where it can take even longer.

Creating a living trust involves more paperwork than making a will because you must transfer ownership of the property to yourself as trustee and conduct future personal business in the name of the trust.  Separate tax returns are not required on trusts as all transactions, such as the sale of a trust property where a profit is realized, are reported on your personal income tax return.

Should you become incapacitated, the person you appointed in your trust to take over after your death can step in and manage your trust property.  Without a trust, family members may have to get that kind of authority through the court system.

One vital thing a will can accomplish that a living trust can’t is allow you to name someone, (referred to as a personal guardian), to raise your young children in the unlikely event that you or the other parent are unavailable.  Another difference is that living trusts are not made public at your death whereas a will is.  This may or may not matter to you.

To briefly recap, a “will”, 1) sets up management of property to minors and 2) appoints a guardian to raise young children if you can’t.  A “basic living trust”, 1) avoids probate, 2) keeps your estate plan confidential, 3) sets up management of property for minors, and 4) arranges for management of some or all of your property if you become incapacitated.

For those that believe creating a living trust is sufficient you still want to create a will to handle property and assets you may not get around to transferring to your living trust.

If you’re married, you can create a bypass trust, which lets married couples avoid both probate and estate tax.  With this type of trust, everything is left to the surviving spouse and passes tax-free.  If the second spouse owns all of the couple’s property, and it’s worth more than the estate tax exemption, ($1,500,000) an estate tax will be due.  If that’s the case, we encourage you to do some tax planning because the tax is steep, to say the very least, at 39%.

We hope that the information provided is not only helpful to you, but also helps to motivate many of you to get your affairs in order.  As always, Bill and Ingried Lowman are available 24 hours a day, 7 days a week at (602) 276-3601, toll free (877) 267-3601, fax (602) 276-1889.

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com

When approaching the bereaved at a service, saying “I’m so sorry for your loss,” is appropriate and adequate.  This is not a time to come up with your personal philosophy of death, God’s will, life after death, or anything else of that nature.  Even though these responses are offered from the heart, they can often make matters worse.  A hug, a handshake, or a gentle squeeze of the arm can provide more love than words at a time like this.  These touching condolences are most appropriate for the loved one’s spouse, family, friends, acquaintances and colleagues.

In most cases there will be tears, but don’t feel it’s wrong to share a memory about the deceased or to talk about them.  Sharing kind thoughts and special memories can be healing for the family.  “Henry sure was a gifted wood worker.  I’m going to miss seeing him working on his projects.”  “Sharon sure was involved in our community.  Her memory will serve as inspiration to me and what I can do to make a difference.  She touched so many people’s lives”.  “I didn’t know him long but John had a way with lighting up an entire room with his smile when he’d walk in.  I’m going to miss the way he could find the positive in every situation.”

After services, the family of the deceased will often stand and greet friends as they leave.  It’s much like that of a receiving line at a wedding in that, as the bereaved, you will be expected to speak to and acknowledge each person’s presence and comments.  Like the experience with the funeral, grief experts believe this makes the death more of a reality and aids in the healing process.  Philosophical or witty comments are not the expectation here.  A simple, “Thank you for coming,” or “I appreciate your kind words and prayers,” is totally adequate.

When it comes to “what to wear” at a service, wardrobe-wise, almost anything goes, but can also depend on the location of the service, the lifestyle of the deceased as well as the time of year.  A lot of people will still choose somber-colored clothing, and choose to wear a veil (maybe sunglasses).  Traditional colors of black, blue, mauve and white are often chosen, though other colors are appropriate.  Wearing any kind of business-style clothing is fine and respectful, especially if services are to take place in a church, synagogue, or the chapel at a funeral home. Arriving scantly dressed is not appropriate at these facilities.  Exceptions are usually obvious if services are going to take place at a beach or park.  When in doubt, don’t hesitate to call the funeral home for guidance as we are all here to serve on every level.

Sending flowers for the service had always been traditional.  Now, in many cases, families of the deceased are requesting donations to specific organizations that they feel would honor their loved one’s memory.  In some cases, it’s a donation to Hospice, as the family really valued their presence at such a difficult time.  It could also be a request to donate towards an organization that focuses on finding a cure for a specific condition or disease.  These requests by the family don’t mean that flowers aren’t welcome.  It just means that they truly value the specific organization and feel that this is an active way of honoring their loved one.  Should you send flowers, “Please accept my/our condolences for your loss,” or “My/Our prayers are with you and your family”, is all that is necessary.

Thank you for taking the time to read this article and we hope that you have found this information helpful.  As always, Bill and Ingried Lowman, with Lowmans Arizona Funeral Home, are available 24 hours a day, 7 days a week at (602) 276-3601, toll free (877) 276-3601, and fax (602) 276-1889.  We love to hear from you and value your feedback as we are here to serve you!

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com

What we would like to write about this month is a hodgepodge of information that has been shared with us by families we’ve served.  We believe that you will find this information valuable as well. 

Many of us get married and it’s just a natural thing, to have all of the utilities put in one name.  This doesn’t seem, at the time, that this could become a problem.  WRONG!!  We have learned that there is much wisdom in putting the electric, gas, telephone, and cable bill in both names.

Why?  Because even if you have been married to the deceased for 1-60 years, once the person named on the utility bills die, there is a “turn off” fee, a “turn on” fee and a “security deposit”.  Because none of the statements were in the survivor’s name, no credit with the utility or Telephone Company has been established by the survivor.  Needless to say, this adds insult to injury, especially at a time of loss.  So for the last 6-8 months we’ve been encouraging families, that come in to pre-plan, to also take a look at how they are being billed from these companies.  If both names are not on the bills, we strongly encourage you to get that accomplished.  It can be done simply by having the person that is named on the bill, contact the company by phone and have the spouse added to the statement.  This simple call will save you a few hundred dollars.  Many, out of financial need, leave the utilities in the decedent’s name.  With Arizona being #1 in identity theft, we always encourage our families to get the name and social security number of the deceased out of circulation.  Failure to do so can attribute to undue added “grief”, if you will.  This concept should also be exercised with the credit cards.  If a spouse never worked outside the home, or never had credit in his/her name, life, after a death occurs, can be even more devastating. 

Another valuable piece of information that was called to our attention is to turn in the driver’s license of the deceased to the Department of Motor Vehicles.  This can be done when a family member brings in the car titles to have them changed after a death has occurred. 

Turning in the deceased’s voters registration is also important.  It’s a bit unsettling to get mail in the name of the deceased.  This happens a lot but it is usually because the several “mailers” have not been contacted and informed that the death occurred.

Yes, even though this is the field in which we serve, we continue to learn on a daily basis. Our prayer is that this information will save many from added heartache at an already difficult time. 

Thank you for taking the time to read this information.  We value your comments and feedback, as well as ideas.  As always, Bill and Ingried Lowman are available 24 hours a day, 7 days a week at (602) 276-3601, toll free (877) 276-3601, and fax (602) 276-1889.

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com

Main issues involve the telephone, water, electric and gas billings.  If you are married, or cohabitating, it is extremely important that both parties are named on each billing.  The reason that this is so important is because, instead of Arizona being #1 in hospitality, (after all, tourism is our main trade); we are #1 in “identity theft”.  Not something we should be proud of, but definitely, not something we should ignore.  We need to each take responsibility and protect ourselves and our loved ones. Reality is, with the exception of God, no one takes better care of you than you.  God gave us each a brain, and expectations are that we are to use this most valuable tool God blessed us with.  Utility companies are not concerned with who is on the billing.  They are just concerned that the bill gets paid.  However, because we are #1 in identity theft, it is extremely important that we remove our loved ones name from everything after their death has occurred.  If the decedents name was the only name on the billing, the spouse or partner can be charged a turn off and a turn on fee, not to mention a security deposit, as though they had never occupied the residence.  In many, many cases, we’ve experienced the reality that the deceased is never removed, leaving his/her name open for theft.  This is only done because the widow/widower just can’t fathom another expense.  This can be dangerous but, in today’s economy, it’s somewhat understandable.  It’s definitely not wise, but in some cases, it’s a “financial” decision they are forced into making.  Please inform others of this information as it only takes a phone call to add a spouse or partner to the billing.

There are those out there that watch the obituary section, just looking for their next “victim”.  There are three main reasons for this, (if you think long and hard, I’m sure you can come up with more but the following are the most common).  Reason #1.  To steal the identity of the deceased:   #2.  To vandalize the home while services are taking place.  #3.  To approach their next victim for some type of financial sham, luring one in to make monthly payments (or one lump sum) on an “intangible” that doesn’t exist. 

I, personally, experienced a situation with the Social Security office when my uncle passed away in August of this year.  As I instruct all of our families, I reported his death to Social Security.  Please keep in mind that there was no surviving spouse and no dependant child which means that there was no death benefit.  I made the call, released his date of birth, date of death, social security number, and acquired their address to send his death certificate once it arrived.  They confirmed his previous address and confirmed that he had “direct deposit”.  To my surprise, the person at the social security office asked me for my social security number.  Now, most people wouldn’t have thought twice and would have just recited their number like it was no big deal.  IT WAS A BIG DEAL!!  I was to receive no benefits; I’m a niece, not a spouse.  I immediately informed the gentleman that there was “absolutely no need for him to have my social security number as I had not died, nor was I receiving a benefit.”  He thanked me and the conversation was over.  When I was asked that question, my thoughts went immediately to the DMV fraud that recently occurred where employees were issuing fraudulent drivers licenses to those that paid the right price.  Always, make sure that there is a legitimate reason for this specific information to be acquired.  If you are a beneficiary of a pension plan, life insurance policy, bank account or estate, your date of birth and social security number would be justifiable and reasonable information to release, but never if you are not the beneficiary.  This will probably come as a shock to a lot of you, but crooks and thieves can also penetrate our government offices, so don’t feel that, because it’s a government office, you need to release this information.  Be cautious, ask questions, and protect yourself.  Chances are that, if the individual is uncomfortable with your questioning, they probably don’t realistically need this specific information.

I hope that this information is helpful to you and we thank you for taking the time to read this article.  Happiest of Thanksgiving to all of you and, though things are looking tougher for all of us financially, please keep the faith and remember that God cares for and feeds even the birds.  Will He not also feed and care for us? 

As always, Bill and Ingried Lowman are available 24/7 at (602) 276-3601, toll free (877) 276-3601, and fax (602) 276-1889.  If you’d like to use our e-mail; wlowman@lowmansazfh.com, you must type in a subject regarding your question or the e-mail will NOT be opened.  We need to know that the request is legitimate and not a virus.  Thank you!

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com

What is a Living Will?  In the state of Arizona, your written directions for health care is called your Living Will.  This document is a notice to your health care providers outlining how you want medical treatment to be administered, if at all, should you become unconscious or arrive to a state of being where you can no longer sustain life without the assistance of life support, i.e. iron lung, heart machine, feeding tubes, etc.  Once you name a health care representative, you also have a separate document, which authorizes your representative to enforce your health care directions.

Your Living Will must be signed and dated by you and can be either “witnessed”, (the witness must also sign), or notarized.  We encourage a Notary as it leaves little room for question.  Be prepared to provide the notary with picture identification.   Should you choose to just have your signature witnessed, he or she must not be related to you. 

If you are unable to sign the document, another person may sign for you.  However, you must direct this person to sign and then watch as he/she does so.  It is very important to carefully read the document before you sign. 

Once you name a person to supervise the carrying out of your health care wishes, you need to produce a document that gives that person the necessary authority.  This document is called a Durable Power of Attorney for Health Care.  Like the Living Will, this document must also be signed and witnessed or notarized.  Again, if only witnessing this signature, the witness must not be related.  The person serving as “Durable Power of Attorney” can be related, however, the “witness” to your signature cannot be.

Once you have accomplished these valuable tasks, be sure to attach your Durable Power of Attorney for Health Care to your Living Will and make copies to distribute to 1) your physician, (if you have one), 2) the patient representative of your medical plan or HMO, 3) the person you name to supervise your health care, and 4) any other trusted friend or relative.  Place your original with your other valuable papers, such as a living trust, a will, deed or life insurance policy.  DO NOT place these important documents in your safety deposit box at the bank.  In most cases, access to these boxes is impossible without you.

There are various computer programs you can purchase to draw up your “Living Will” and “Durable Power of Attorney for Health Care”.  Please know that we, at Lowmans Arizona Funeral Home, have a program and, if you would like for us to generate this paperwork for you, we would be happy to assist you.  There is no charge.  We will need your name and telephone number so Bill can call you back when he is in front of the system, ask you the appropriate questions, print it up and you can pick up the paperwork at the funeral home, take it to a notary and proceed with getting the required number of copies and distributing them to the people listed above.  Please keep in mind that neither Bill or I are an attorney or a notary.  We are just, like you, much more aware of the importance of a Living Will, because of the Terry Schiable tragedy.

We hope that the information provided encourages you to take some preventative measures in ensuring your wishes are honored.  As always, Bill and Ingried Lowman are available 24 hours a day, 7 days a week at (602) 276-3601, toll free (877) 276-1889, fax (602) 276-1889.

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com

Be in attendance at the funeral or memorial service.  Your presence emphasizes to your friend that, although there’s been a loss, friends like you remain close.  Someone who is grieving has a definitive need to talk about his or her emotions.  Addressing a simple question towards your friend like, “What can I do?”, encourages your friend to talk to you.  It also tells them that you’re there to support, not judge.  Some survivors have the need to talk about their loved ones for months, maybe years.  Healing is not an “overnight” process and each individual handles it differently.

Remember, it’s Okay to cry.  It’s also important to keep in mind that laughter heals.  Helping your friend focus on the good memories and fun times is one of the most important things you can do. 

Sending a personal letter, brief note, making a memorial contribution, phone calls, little visits, or preparing a meal for the family are other ways you can show that you care.  A hug has always gone a long way towards providing lasting comfort.

For the Grieving:  After the funeral service, after all of the legal paperwork has been completed and processed, and family and friends have returned to their “normal” routines, you may still be struggling to find that “normalcy” in your life again.  For those of you that we have had the privilege to serve, we encourage you to stay in touch with us here at the funeral home, especially if you’re having a difficult time dealing with your loss.  We have a wealth of information on grievance counseling groups, individual counseling, books you can read, etc.  Medicare pays for individual grievance counseling with a small co-pay.  We are here to help you through the entire process.  Our job is not finished at the conclusion of the funeral service. 

For some individuals that have lost a loved one, the solution for “going on” is a simple as

becoming a “volunteer”.    

5 Reasons to Volunteer your Time and Talents:

#1.  It is a way to be and feel useful and do the right thing for the right reason.

#2.  It’s good for the heart, reduces stress and depression, and increases self-esteem.

#3.  It makes you feel needed.  (We all need to feel needed).

#4.  It’s an opportunity and a way for you to “give back” and say “thank you” for all that      

       others have done for you. 

#5.  Studies show that people who volunteer live healthier, longer, and happier lives.

We hope that this has been informative for you.  Please know that if you have any questions or concerns, Bill and Ingried Lowman, with Lowmans Arizona Funeral Home are only a phone call away.  Our goal is to inform and educate the community of the many options available to you in the funeral industry.  Our mission is to provide the

community with quality services and products at a reasonable and fair fee; treating families with the highest degree of respect because you deserve it.  For questions or pre-

arrangement information, contact Bill and Ingried Lowman at:

PHONE:  (602)276-3601    FAX: (602)276-3601   TOLL FREE:  (877)786-4668

Caring & Professional Service -24 Hours a Day – Valley Wide

Ariticle by:  Ingried J. Lowman

Visit Us @ www.lowmansarizonafuneralhome.com