A word about payment :  A personal check, cashiers check or cash is preferred in-full at the time of arrangements. We wish to keep our costs to you as low as possible, so we can accept credit / debit cards but with a 5% fee added.  Payments we disperse elsewhere on your behalf (taxes, fees, newspapers, clergy, musicians, etc.) will still require your check or cash payment.  If needed we can work with ½ payment at the arrangement time and in-full no later than 48 hours prior to service time (if a direct cremation or direct burial with no services then payment in-full is requested at time of arrangments).  If applicable it is preferred you deal directly with the estate or insurance company for reimbursement.  It is understood you are responsible for payment in full.