My relative did not want any kind of service, and his niche in a chapel in a cemetery is bought and paid for. All that's required is transfer of his body, and cremation, death certificates etc. It's been suggested that sometimes it's less expensive to deal directly with a crematory rather than a funeral home. I would appreciate any advice, especially if anyone has dealt with crematories/funeral homes in the New York City area/ Manhattan. I assume everyone has to be paid up front and won't wait for insurance payments, so I am limited in what I can spend. What should I expect? Thank you.