Rao bulletin 15 June 2015 html edition this bulletin contains the following articles

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  Family plots: Urns of ashes typically can be buried or housed above-ground in family plots along with the burial remains of other family members. You will find all manner of urns and memorabilia available, with themes that range from religious to sports.
  
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  Scattering ashes: Huffington Post’s Ashes to Ashes report describes rules and restrictions for scattering ashes. “Wildcat scattering” in disregard of rules is popular in public spaces, it notes. (The report uses graphics to illustrate cremation trends; its numbers may vary from ours because of differences in sources and age of the data cited.)
  

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  Columbarium niches and urn gardens: Cemeteries and memorial parks and gardens offer homes for cremation ashes, including columbaria (indoor or outdoor walls with niches for housing urns of ashes) and burial (interment, in the language of funeral directors) of ashes, above or below ground.
  
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  Ocean reefs: Eternal Reefs, a Decatur, Ga., company, incorporates cremains into “an environmentally safe cement mixture designed to create artificial reef formations.” For $2,495 to $6,995, your “reef ball” is placed at one of several locations along the Eastern seaboard or Gulf Coast to become a home for fish, coral and other marine life, the company says (read its description of the procedure). Families can take part in the casting of the reef ball and can attend the placement of the reef ball at sea aboard a chartered boat. Larger balls can hold cremains from two or more people at the cost of $25o extra each. Pet cremains are included free of charge.
  
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  Urns: You can spend a few dollars or several thousand on urns, boxes and other objects for keeping cremation remains at home. Some urns even include automated slide show displays or narrated videos, with a remote control. Foreverence, a funeral products company in Eden Prairie, Minnesota, uses 3-D printing to allow customers to design urns in the shape of a favorite musical instrument or car, and even to “create a lifelike bust of the deceased,” according to this Associated Press article.
  
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  Jewelry and keepsakes: To keep a loved one close, you can choose among pendants and jewelry — cylinders, crosses, hearts and charms (angels, flowers, sports themes and memorial diamonds, for example) — to wear or display under a glass dome. Memorial diamonds made from cremains cost around $3,000 and up, according to U.S. Funerals Online, which says: A memorial diamond is an artificially created diamond made using the carbon DNA extracted from the cremated remains of a human being. The natural crystal synthesis that produces diamonds in nature is simply replicated in a laboratory with increased speed.
  

[Source: MoneyTalksNews | Marilyn Lewis | March 25, 2015 ++]

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  Collision damage waiver (CDW) and loss damage waiver (LDW): While not technically insurance, this transfers the risk of damage from you to the rental car company in the event of accident, vandalism or theft. This is by far the costliest coverage.
  
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  Supplemental liability insurance (SLI ): As the name implies, this provides an extra $1 million in liability coverage. Liability covers damage to other people and their property.
  
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  Personal accident insurance (PAI): Pays the medical expenses for you and passengers.
  
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  Personal effects coverage (PEC): Pays to replace things stolen from the rental car.
  

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   What you’re renting: Nearly all credit cards exclude certain types of vehicles. Most exclude pickups, full-size vans, cars considered to be sports cars, exotic cars, antique cars and very expensive cars.
   
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   Where you’re renting: Credit card companies seem to have a problem with countries that begin with the letter “I,” excluding rentals in Israel, Ireland and Italy. Other exclusions can include Jamaica, Australia and New Zealand. No matter where you plan on renting a car, make sure the card you use will cover you there.
   
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   How you’re paying: The rental-car insurance offered by your credit card is only valid when you use your card to pay for your rental. That sounds simple enough, but what happens when you use an award from a loyalty program, or a coupon for a free day? Even though you might use your credit card to reserve your car and pay for taxes and fees, its insurance won’t cover you if don’t pay the base rate with your card. The use of a simple coupon code shouldn’t invalidate your coverage, so long as you are still paying for most of the rental with your card. Also keep in mind that if your card paid for the rental and your wife/husband/partner is driving, they may deny coverage.
   
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   How long you’re renting: Ever thought of renting a car with unlimited miles for an epic cross-country adventure? That works fine – unless you intend to be gone more than 15 days. If so, you aren’t covered by Visa’s policy, which excludes “Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence.”
   
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   How you’re using the rental: All rental car coverages, including the ones you pay for at the counter, exclude any actions that violate your rental-car agreement. While it sounds reasonable to exclude such things as commercial use, driving drunk or using the car to commit a crime, most agreements prohibit things you might not expect, like driving on unpaved roads. Consider that next time you rent a car in a rural area or to visit a national park.
   

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  American Express: 800-338-1670
  
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  Discover: 800-347-2683;
  
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  MasterCard: 800-622-7747
  
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  Visa: 800-847-2911
  

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  Make sure your lawn is mowed before you go and, if you’re going to be away awhile, arrange for a service or friend to cut the grass while you’re traveling.
  
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  Stop newspaper delivery if you’re still a subscriber to a print edition so the papers won’t stack up in your yard.
  
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  Go online with the U.S. Postal Service to arrange for your local post office to hold your mail for free (up to 30 days) while you’re gone (https://holdmail.usps.com/holdmail). Options include having accumulated mail delivered upon your return or you can tell the post office you’ll pick up the stack yourself.
  
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  Set timers on your lights so they will go on and off at a variety of hours. Also, set up outdoor lighting connected to motion sensors. Burglars usually don’t like to be in the spotlight.
  

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