Your funeral is likely to be expensive,but you won't be around to haggleabout the cost. It's your familythat will be subjected to sales pitchesat a time when their emotions maynot allow them to choose wisely.That's why you should take time toplan your funeral in advance. Letyour family know what kind of funeralyou'd like, and leave writteninstructions where they can findthem. Planning ahead doesn'tmean paying for funeral arrangementsbeforehand.You won't get anymoney you've put up back if youchange your mind, the funeral homeyou contract with goes out of business,or you move away. For moreinformation, contact the FuneralConsumers Alliance (800-765-0107;www.funerals.org).