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  • When someone dies, they don't have to worry about money anymore, but there is a surprising

    當有人死亡時,他們不必再擔心錢的問題,但有一個令人驚訝的現象

  • amount of money involved with dying.

    死亡率所涉及的資金數額。

  • Why is it so expensive to die?

    為什麼死亡如此昂貴?

  • The costs start racking up before death.

    成本在死亡之前就開始累積了。

  • Sure, there are those people who die suddenly and without any other associated costs - for

    當然,也有一些人突然死亡,沒有任何其他相關費用--對於

  • instance, someone who drops dead of a heart attack suddenly without any other health problems,

    例如,有人突然因心臟病發作而死亡,卻沒有任何其他健康問題。

  • or someone who is out for a jog and has a piano drop on their head.

    或者是出去慢跑的人,頭上有一個鋼琴掉落。

  • Someone's going to be shelling out a lot of money for that, but it's probably going

    有人會為此掏出一大筆錢,但它可能會

  • to be the piano company.

    要成為鋼琴公司。

  • But for many people, death is a much more drawn-out affair.

    但對許多人來說,死亡是一件更加漫長的事情。

  • For those who die of serious illnesses or at an old age, the odds are there are going

    對於那些死於重病或年老時的人來說,有機率會有

  • to be a lot of medical expenses associated with dying.

    將會有很多與死亡有關的醫療費用。

  • Dying can involve long-term hospital stays, time in an assisted living facility or nursing

    死亡可能涉及長期住院,在輔助生活設施或護理機構中的時間。

  • home, or specialized in-home hospice care.

    在家,或專門的居家安寧療護。

  • These are all expensive services and medical costs can be high in the United States and

    這些都是昂貴的服務,在美國醫療費用可能很高,而且

  • other countries without a universal health care system - as anyone who ever got a surprise

    其他沒有全民醫療保健系統的國家--正如任何得到過驚喜的人一樣

  • bill after they got their finger stitched up can attest.

    在他們的手指被縫合後的賬單可以證明。

  • While insurance will often pick up a large percentage of the medical bills if not all

    雖然保險通常會承擔很大比例的醫療費用,如果不是全部的話。

  • of them, someone who is uninsured or underinsured when they die might leave behind a massive

    其中,沒有保險或保險不足的人在死後可能會留下大量的費用。

  • bill to be taken out of their estate.

    從他們的遺產中提取的賬單。

  • And that's before a whole lot of other costs.

    而這是在一大堆其他費用之前。

  • In seventeen US states, the cost of dying averages over $20,000.

    在美國十七個州,死亡的成本平均超過20,000美元。

  • In the UK, where high health bills are unlikely, it can still cost several thousand pounds.

    在英國,不太可能有高額的醫療費用,但仍然可能花費幾千英鎊。

  • While heirs of the deceased can't be held responsible for medical bills if the estate

    雖然死者的繼承人不能對醫療費用負責,如果遺產

  • can't cover it, many other costs have to be paid for out of pocket by the family - which

    如果不能支付,許多其他費用必須由家庭自掏腰包--這

  • means that families dealing with the loss of a breadwinner may often have another challenge

    這意味著處理失去養家餬口者的家庭可能經常面臨另一個挑戰

  • to deal with.

    來處理。

  • So what are all these hidden costs?

    那麼,所有這些隱性成本是什麼呢?

  • Well, the big one is something almost everyone who has said goodbye to a loved one will deal

    好吧,大的方面是幾乎所有與親人告別的人都會處理的事情。

  • with - the funeral.

    與 - 葬禮。

  • The funeral industry has come a long way from when disposing of bodies was mostly a utilitarian

    殯葬業已經走過了一段很長的路,當時處理屍體主要是一種功利性的行為。

  • industry, and today it's a twenty billion dollar industry in the United States alone.

    行業,而今天僅在美國就是一個200億美元的行業。

  • Many funeral home providers offer full service from the moment of death to the conclusion

    許多殯儀館供應商提供從死亡時刻到結束的全面服務。

  • of the burial ceremony, customizing services with mourners.

    的安葬儀式,與哀悼者定製服務。

  • And personalized services don't come cheap.

    而個性化的服務並不便宜。

  • Planning a funeral is a big feat, and often families are not up to managing it themselves

    籌劃葬禮是一項重大的壯舉,而家庭往往不能自己管理。

  • - especially after a sudden and unexpected death.

    - 特別是在突然和意外死亡之後。

  • That means the funeral home and director will manage dozens of moving parts and help them

    這意味著殯儀館和導演將管理幾十個移動部件,並幫助他們

  • select every part of what can be a very large event.

    選擇可能是一個非常大的事件的每個部分。

  • For people with a lot of friends and family, a funeral can often resemble a wedding in

    對於有很多朋友和家人的人來說,葬禮往往會像婚禮一樣,在

  • what is needed.

    需要什麼。

  • You'll need a large event facility, either indoors or outdoors, enough to hold everyone

    你需要一個大型的活動設施,可以在室內或室外,足以容納所有人。

  • who wants to come.

    想來的人。

  • You'll want flowers and decorations, often personalized.

    你會想要鮮花和裝飾品,通常是個性化的。

  • And in many cases, families want catering for a memorial dinner.

    而在許多情況下,家庭希望為追悼會提供餐飲服務。

  • And that's before getting into one of the most important parts of a funeral.

    這還沒有涉及到葬禮最重要的部分之一。

  • Gone are the days of a coffin essentially being a pine box.

    棺材基本上是一個松木箱的日子已經過去了。

  • The coffin industry alone is worth over half a billion dollars in the United States today,

    在今天的美國,僅棺材行業的價值就超過5億美元。

  • and shopping for one offers a lot of choice.

    而選購時提供了很多選擇。

  • Coffins are often made from fine wood, and insulated with high-quality fabric.

    棺材通常由精美的木材製成,並以高質量的織物進行保溫。

  • While this may seem like a waste given that it's going in the ground, many families

    雖然這可能看起來是一種浪費,因為它將被放入地下,但許多家庭

  • want the coffin on display at the funeral - and see a fine coffin as a testament to

    希望在葬禮上展示棺材--並將精美的棺材看作是一種證明。

  • their love.

    他們的愛。

  • An average coffin will cost at least two thousand dollars, with high-end ones reaching five

    一口普通的棺材至少需要兩千美元,高端的則達到五千美元。

  • digits.

    挖出的數字。

  • And that's not the only preparation needed for a funeral.

    而這並不是葬禮所需的唯一準備。

  • Funeral homes have someone on site trained in treating bodies and preserving them for

    殯儀館有專人在現場進行處理屍體和保存屍體的培訓。

  • funerals and burial.

    葬禮和埋葬。

  • This is especially important for many people who want an open casket funeral.

    這對許多希望舉行開棺式葬禮的人來說尤其重要。

  • Have you ever been to a funeral where everyone is commenting that the deceased looks so natural,

    你是否曾經參加過一個葬禮,每個人都在評論說死者看起來很自然。

  • and looks like they're just sleeping?

    而且看起來他們只是在睡覺?

  • This isn't an accident - this is the work of a trained mortician who uses chemicals

    這不是一個意外--這是一個訓練有素的殯儀員的工作,他使用化學品

  • and makeup to keep the body from starting to decay too quickly, and cover up any obvious

    和化妝,以防止身體過快開始腐爛,並掩蓋任何明顯的

  • injuries when possible.

    在可能的情況下,受傷。

  • Not every funeral involves this - some people choose a more natural burial, usually with

    並非每個葬禮都要這樣做--有些人選擇更自然的埋葬方式,通常是用

  • a closed casket - but if you want the deceased to get the full makeover, it'll come with

    一個封閉的棺材--但如果你想讓死者得到全面的改造,它將伴隨著

  • a cost.

    一個成本。

  • But that's not the biggest cost associated with funerals.

    但這並不是與葬禮有關的最大成本。

  • Two words - real estate.

    兩個字--房地產。

  • The most important choice people will make when planning a funeral is where they want

    人們在計劃葬禮時,最重要的選擇是他們希望在哪裡舉行葬禮

  • the deceased to be buried.

    死者被埋葬。

  • This isn't just a physical choice - the burial plot will likely also become a gathering

    這不僅僅是一個物理上的選擇--墓地也將可能成為一個聚會場所。

  • spot for the family in years to come.

    在未來的歲月裡,為家庭提供的位置。

  • But many cemeteries are facing a major challenge - lack of space.

    但許多公墓正面臨著一個重大挑戰--缺乏空間。

  • The population is growing, and the cost of getting a burial plot is getting higher and

    人口在增長,而獲得墓地的成本越來越高,而且

  • higher.

    更高。

  • Smaller plots can be as little as $500 at a public cemetery, but can go up to $5000

    在公共墓地,較小的地塊可以低至500美元,但可以高達5000美元

  • for sought-after locations.

    為搶手的地點。

  • For those who want a mausoleum burial, it can be as much as $10,000 at high-end places

    對於那些想要陵墓葬的人來說,在高端的地方可以高達10,000美元。

  • And that's before you decide what to put on top of it.

    而這是在你決定在上面放什麼之前。

  • It's long been tradition to have a marker memorializing a gravesite.

    長期以來,在墓地上設置紀念性的標記是一種傳統。

  • Sure, no one is going to go as over the top as the ancient Egyptian pharaohs - although

    當然,沒有人會像古埃及法老那樣誇張--儘管

  • it may be tempting to build a pyramid for your beloved childhood dog Sparky - but gravestones

    為你童年時的愛犬斯派基建造一座金字塔可能是很誘人的,但墓碑

  • can be pretty ornate.

    可以是相當華麗的。

  • If you wander through a cemetery, the odds are you'll see a few towering obelisks or

    如果你漫步在一個墓地,你有可能會看到一些高聳的方尖碑或

  • carefully sculpted angel statues.

    精心雕琢的天使雕像。

  • If you want a highly decorative gravestone, the cost can vary wildly, but standard headstones

    如果你想要一個高度裝飾性的墓碑,費用會有很大的不同,但標準墓碑

  • with a personalized inscription will start at a cost of $1000 or more.

    帶有個性化銘文的產品將以1000美元或更高的價格起價。

  • This can add up to a lot.

    這可以增加很多。

  • Is there a cheaper way?

    是否有更便宜的方法?

  • For many families, if the deceased didn't leave a big estate behind, it's time to

    對許多家庭來說,如果死者沒有留下大筆遺產,現在是時候了。

  • make some tough decisions.

    做出一些艱難的決定。

  • While holding a proper tribute for their loved one is ideal, there are ways to make things

    雖然為他們的親人舉行適當的悼念活動是最理想的,但也有一些方法可以讓事情變得更簡單。

  • more affordable.

    更實惠。

  • Smaller funerals or graveside services are ideal to cut costs, and many families decide

    較小的葬禮或墓地服務是削減成本的理想選擇,許多家庭決定

  • to have an online component where family and friends who can't attend in person can pay

    有一個在線部分,不能親自參加的家人和朋友可以支付

  • their respects virtually.

    他們的敬意實際上是。

  • Flat metal or marble markers on the ground can be a lower-cost alternative to headstones,

    地面上的扁平金屬或大理石標誌物可以成為墓碑的低成本替代品。

  • while still paying proper tribute with an inscription.

    同時仍以銘文的形式表示適當的敬意。

  • But there's one choice that many people make to cut costs - sometimes.

    但有一個選擇是許多人為了削減成本而做出的--有時。

  • Cremation.

    火化。

  • The burning of remains instead of burying them has become a massive industry in its

    焚燒遺體而不是埋葬遺體已經成為一個龐大的產業,在其

  • own right, with many funeral homes also hosting a crematorium.

    自己的權利,許多殯儀館還設有一個火葬場。

  • We all know a friend or family member who has grandma's ashes sitting on the mantelpiece,

    我們都知道有朋友或家人把祖母的骨灰放在壁爐架上。

  • and we probably give it a wide berth - and stare warily every time the cat gets a little

    我們可能會給它一個寬闊的空間--每當貓咪有一點小動作時,我們都會警惕地盯著它。

  • too close.

    太近了。

  • And for those who want the simplest and lowest-cost option, a basic cremation can be had for as

    而對於那些想要最簡單和最低成本選擇的人來說,基本的火化費用可以達到

  • little as eight hundred dollars.

    少至八百美元。

  • But that doesn't mean that many people don't find surprising costs.

    但這並不意味著許多人沒有發現令人驚訝的費用。

  • Cremation is a specialized service, with crematorium workers dealing with extremely hot and powerful

    火葬是一項專門的服務,火葬場的工作人員要處理極熱和強大的

  • ovens that can reduce a human body to bone ash in a short time.

    爐子可以在短時間內把人的身體變成骨灰。

  • The cost of the equipment and the training adds up - and so does the equipment it comes

    設備和培訓的費用增加了--它所帶來的設備也是如此。

  • with.

    與。

  • The standard urn that is at constant risk of spilling ashes everywhere is mostly a thing

    始終有可能將骨灰灑得到處都是的標準骨灰盒大多是一種東西。

  • of the past, with most urns sold by funeral homes coming with specialized seals to prevent

    過去,殯儀館出售的大多數骨灰盒都有專門的封條,以防止發生意外。

  • accidents.

    事故。

  • And there are many specialized and artisan urns available that can cost more than $500.

    而且有許多專門的和工匠式的骨灰盒,價格可能超過500美元。

  • But some families want a more permanent option.

    但有些家庭希望有一個更持久的選擇。

  • Some families choose the best of both worlds.

    一些家庭選擇了兩全其美的辦法。

  • Cremation - and a burial plot that gives them a place to visit and pay their respects.

    火葬--還有一塊墓地,讓他們有地方可以參觀並表達他們的敬意。

  • These plots are smaller and can be marked with a marker or headstone, but can still

    這些地塊較小,可以用標誌物或墓碑作標記,但仍可

  • be expensive - at least $350 at a public cemetery, and as much as $2,500 for a prime spot at

    價格昂貴--在公共墓地至少要350美元,而如果是在公共墓地的黃金位置,則高達2,500美元。

  • a private cemetery.

    一個私人公墓。

  • Because urns or cremation vessels can be held anywhere, it's also common to choose an

    因為骨灰盒或火化器皿可以放在任何地方,所以選擇一個有代表性的骨灰盒也很常見。

  • above-ground spot in a mausoleum, which is usually more expensive.

    陵墓中的地上位置,這通常更昂貴。

  • Well, at least the deceased doesn't have to worry about any of this...right?

    好吧,至少死者不必擔心這些......對嗎?

  • Not exactly.

    並非如此。

  • Because the funeral industry has become so big and expensive, many people are starting

    由於殯葬業已經變得如此龐大和昂貴,許多人開始

  • to think about these questions long before they're gone.

    在他們離開之前,要想一想這些問題。

  • It's like planning in advance for a vacation no one wants to take.

    這就像提前計劃一個沒有人願意去的假期。

  • No one wants to put their loved ones into debt to pay for their funeral, so they're

    沒有人願意讓他們的親人負債來支付他們的葬禮,所以他們

  • starting to take some common-sense measures to make sure that expensive funeral costs

    開始採取一些常識性的措施,以確保昂貴的葬禮費用

  • don't throw the family for a loop.

    不要讓家庭陷入困境。

  • But those usually involve some costs of their own - paying for their own death in advance.

    但這些通常涉及到他們自己的一些費用--提前為自己的死亡付費。

  • The first step is to get life insurance.

    第一步是購買人壽保險。

  • This will ensure your loved ones a payout if you die under most circumstances.

    這將確保你的親人在大多數情況下,如果你死了,可以得到賠付。

  • This is especially important for breadwinners in single-income families - even if they don't

    這對單一收入家庭的養家餬口者尤其重要--即使他們沒有

  • expect to die anytime soon.

    預計很快就會死亡。

  • Of course, the problem is that insurance companies don't want to pay out - so life insurance

    當然,問題是保險公司不願意賠付--所以人壽保險

  • becomes more and more expensive as people get older.

    隨著人們年齡的增長,變得越來越昂貴。

  • A ten-year policy on a ninety-year-old probably isn't a good investment for the company.

    一個九十歲老人的十年保單對公司來說可能不是一個好的投資。

  • Whole-life insurance is available - but can be very expensive.

    可以購買終身保險 - 但可能非常昂貴。

  • But if you don't want the family to have to pay any death-related costs, that can be

    但如果你不希望家人必須支付任何與死亡有關的費用,那可以

  • achieved too.

    也實現了。

  • Most of the time, the people walking into a funeral home are the family of the deceased.

    大多數時候,走進殯儀館的人是死者的家人。

  • But sometimes, it's a healthy and happy person looking to arrange a funeral - their

    但有時,是一個健康和快樂的人在尋找安排葬禮--他們的

  • own.

    擁有。

  • Most funeral homes will arrange end-of-life plans for people years or even decades before

    大多數殯儀館會在幾年甚至幾十年前為人們安排臨終計劃。

  • it takes place - down to the slightest detail.

    它的發生--直到最細微的細節。

  • Want to Rick Roll the guests?

    想要Rick Roll的客人嗎?

  • They'll put that in the funeral plan and file it away - although it may not seem as

    他們會把這一點放在葬禮計劃中,並將其歸檔--儘管它可能看起來並不像

  • funny when you're 85.

    當你85歲的時候,很有趣。

  • And you can pay in advance too - over installments for many years.

    而且你也可以提前付款--在多年內分期付款。

  • If you go before it's fully paid off, your loved ones will only have a fraction of the

    如果你在完全付清之前離開,你的親人將只擁有一小部分財產。

  • costs, but in many cases there'll be nothing left to pay.

    費用,但在許多情況下,將沒有什麼可支付的。

  • Of course, some people make more unconventional arrangements to dodge the costs.

    當然,有些人做了更多非常規的安排來躲避費用。

  • With cremation, many families choose not to keep the ashes forever.

    對於火葬,許多家庭選擇不永遠保留骨灰。

  • They take them home in a simple container without a formal ceremony or burial, and a

    他們用一個簡單的容器將他們帶回家,沒有正式的儀式或埋葬,而一個

  • while later, once the entire family and extended circle can get together, they meet at a meaningful

    而後,一旦整個家庭和擴大的圈子能夠聚在一起,他們就會在一個有意義的

  • location to scatter the ashes.

    灑落骨灰的地點。

  • While this may seem disturbing to some - after all, it's human remains being sprinkled

    雖然這可能會讓一些人感到不安--畢竟,這是人類的遺體被灑在地上。

  • in a public place - bone ash is biodegradable and considered harmless to the environment,

    在公共場所 - 骨灰是可生物降解的,被認為對環境無害。

  • so it's legal in all public places unless there are security issues.

    所以在所有公共場所都是合法的,除非有安全問題。

  • Private locations are dependent on the permission of the owner, but that doesn't always stop

    私人地點取決於業主的許可,但這並不總是阻止

  • people.

    人。

  • A particularly popular spot is Disney's Haunted Mansion, as Disney-loving fans try

    一個特別受歡迎的地方是迪斯尼的鬼屋,因為熱愛迪斯尼的粉絲試圖

  • to add a 1000th to the famous assortment of 999 grim grinning ghosts.

    在著名的999個齜牙咧嘴的鬼魂中,又增加了第1000個。

  • But that's not the only low-cost option for burial or cremation.

    但這並不是唯一的低價土葬或火葬選擇。

  • Some enterprising companies have started offering unconventional ways to use cremation ashes,

    一些有進取心的公司已經開始提供非常規的方式來使用火化的骨灰。

  • as they pose no health hazard and mix into things easily.

    因為它們不構成健康危害,而且很容易混合到事物中。

  • Did Grandma always love to paint?

    奶奶一直喜歡畫畫嗎?

  • Her ashes can be mixed in with paint and used to create a work of art.

    她的骨灰可以和顏料混合在一起,用來創造一件藝術品。

  • Did Uncle Billy like to live it up?

    比利叔叔喜歡過日子嗎?

  • A company specializing in fireworks can create a custom batch including a pinch of his ashes

    一家專門生產煙花的公司可以製作一批定製的煙花,包括一撮他的骨灰。

  • to send him off in style.

    來為他送行。

  • There are even biodegradable urns that are meant to be buried, and contain a tree seed

    甚至還有可生物降解的骨灰盒,是用來埋葬的,裡面有一顆樹的種子。

  • along with the ashes to create a tree out of a loved one's remains - a living headstone

    與骨灰一起,用親人的遺體創造一棵樹--活的墓碑

  • far bigger than any obelisk.

    遠比任何方尖碑大。

  • Many of these options aren't cheap, but they're usually a fraction of a traditional

    這些選擇中有許多並不便宜,但它們通常只是傳統的一小部分。

  • funeral and burial with all the frills.

    葬禮和埋葬的所有花樣。

  • And it's likely to just continue going up.

    而且它可能會繼續上升。

  • People are living longer, and that means they're more likely to need health care before they

    人們的壽命越來越長,這意味著他們更有可能在需要醫療服務前

  • die.

    死了。

  • Cemeteries aren't easy to maintain, and the demand for burial plots is growing as

    墓地並不容易維護,而對墓地的需求正在增長,因為

  • the population does.

    人口是如此。

  • And with many funeral homes offering digital services like online memorial walls, it's

    而隨著許多殯儀館提供在線紀念牆等數字服務,它是

  • becoming a more skilled and versatile position all the time.

    一直以來都在成為一個更加熟練和多才多藝的職位。

  • That adds up to one thing - a growing and complicated sector that will fetch a high

    這就意味著一件事--一個不斷增長和複雜的部門,將獲得高額的利潤。

  • cost for its services.

    其服務的成本。

  • There are only two things certain in life - death and taxes - but until scientists manage

    生命中只有兩件事情是確定的--死亡和稅收--但在科學家們設法解決這些問題之前

  • to cure the first, the high cost of death may be the third certainty.

    來治療第一種情況,死亡的高成本可能是第三種肯定。

  • For another unconventional way to dispose of remains, check outComposting Humans

    關於另一種處理遺體的非常規方法,請查看《人類堆肥》。

  • Is Now Legal in These US States”, or try this video on for size instead.

    現在在美國這些州是合法的",或者試試這個視頻的大小。

When someone dies, they don't have to worry about money anymore, but there is a surprising

當有人死亡時,他們不必再擔心錢的問題,但有一個令人驚訝的現象

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這就是死亡究竟有多昂貴 (This is How Expensive Dying Actually Is)

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    Summer 發佈於 2021 年 07 月 30 日
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