Weddings are an expensive affair. The Knot, a famous wedding planning website, reported that weddings in the United States cost approximately $33,391 in 2017 alone. The total could also go up depending on the location of the wedding. For instance, couples in Manhattan, New York can spend as much as $76,994 while those from Southern Florida shell out around $40,634.
Given the expense, it comes as no surprise that people can now take out insurance policies for weddings. They fall under special events insurance policies in Cape Coral and now rank alongside car insurance, home insurance, and flood insurance in Florida. Wedding expenses are investments, after all, it says on the website of Gulf Harbor Insurance, a provider of personal insurance policies in the Sunshine State.
So, what exactly does wedding insurance cover, and why are couples spending extra for it?
Protection from Unprecedented Circumstances
Few other occasions bring together a diverse and large number of suppliers in one event. Weddings are expensive because they call on different suppliers for various needs. There’s the wedding venue, food caterer, wedding cake baker, dessert caterer, beverage caterer, and suppliers for the flowers, lights, decorations, sound system, and music equipment — the list could go on and on.
These suppliers require a down payment to book their services. If any of them suddenly cancels due to unforeseen circumstances (ex: the supplier goes out of business, a calamity hits the supplier), it might be difficult to get back the reservation fee. Wedding insurance reimburses those expenses .
Protection from Unreliable Suppliers
Cancellations due to unprecedented events are forgivable, but if a wedding supplier is just unreliable and it makes the wedding plans go awry, it’s a bitter pill to swallow. Whether it’s not getting the entourage’s gowns and tuxedos or if the cake was damaged en route to the reception, a couple will want to get their money back. Not all suppliers offer a 100% refund, however, and some don’t give a refund at all. By having their wedding insured, a couple may get a refund in case a supplier doesn’t show.
Option to Postpone
Wedding insurances don’t cover cancellations because the bride or groom gets cold feet. They do, however, provide compensation if the couple postpones the wedding due to sickness or injury (applies to the couple and important guests), bad weather, vendor no-show, and a sudden military assignment or corporate relocation.
It should give couples peace of mind knowing that their weddings have insurance coverage. With the right policy, they can plan their weddings confidently.
05 Sep 2018
As a bass boat owner, you want to make sure your boat stays in mint condition even when it’s sitting in the storage facility. You want the best form of safekeeping for your investment and protecting it with a waterproof covering is an excellent way to do it.
Here are the reasons waterproof bass boat covers are a necessity for any boat owner:
What exactly is a waterproof material?
A waterproof marine fabric is an engineered material designed to keep water out and prevent the occurrence of moisture, cutting the risk of mold and other water damage problems on your boat. It keeps the covered portion of your boat completely dry, keeping the interior fresh and clean while it’s not in use.
How is it different from other materials?
Natural fabrics and coated materials cannot withstand heavy rains rain and other harsh weather conditions. The main advantage of a waterproof marine fabric is that it’s made with the waterproofing elements in the mix. The waterproofing elements are integrated into the formula, producing a fabric that’s impervious to wear and tear caused by harsh outdoor conditions. This makes it the ideal protective covering for your boat.
The benefits of using waterproof boat covers
Waterproof boat covers ensure that the interior of your boat stays dry. This prevents unnecessary expensive repairs or cleaning due to mold accumulation and water damage. When your boat is covered with a non-waterproof material, water may seep through and trap moisture in the covered area. Other than having to deal with a musty smell, you may need to repair or even replace damaged interior parts of your boat due to leaks.
The greatest benefit of using a waterproof cover is having the assurance that your boat is fully protected from harsh weather conditions and is kept dry throughout the seasons. That’s why a waterproof boat cover is a good investment. If you’re still using a generic boat cover, it’s time to switch to a waterproof one; you won’t regret it.
18 Aug 2018
For some people there is no difference between one jacket and another, seeing it as a piece of clothing suitable for a lot of weather conditions. Ski garment expert Pedigree Ski Shop suggests that a Nordica ski jacket is warm activity-appropriate apparel. Choosing the right apparel is crucial in providing wearers protection during sports activities.
Not Only a Fashion Statement
The basic ski jacket is not only a fashion statement. When it comes to ski jackets, color is important. These bright colors help skiers to stand out in a snowy environment. A proper ski jacket also has a breathable, waterproof fabric that provides warmth. A good ski jacket should also have a hood to protect the wearer from the weather.
Types of Ski Jackets
There are also different kinds of ski jackets: hard shell, insulated, technical shell, soft shell, and three-in-one jackets. People most often choose a hard shell, but many skiers choose the best one that suits their chosen activity depending on the weather condition.
The jacket has to be warm and waterproof. Skiing or any similar activity requires extensive movement, so the jacket should allow movement. The sleeves should have slits along the shoulders and the sides, especially under the arms. The zippers and buttons have to be larger to allow gloved hands to be able to zip and unzip when necessary.
Ski jackets have become fashion statements, but at the same time, the level of functionality has also increased. For those who love winter sports, they understand the importance of the functionality of a ski jacket, but also know the value of making the apparel a fashion-forward statement.
17 Aug 2018
Whether you plan to ski as a hobby or make it your go-to sport, investing in the right gear should be a priority. Unlike basketball or football where good shoes are enough to get you through, skiing requires a number of different gears to not only help you ski properly but also keep you safe.
One of the most important things worth investing at is a ski jacket. Although it might all look colorful and fashionable, they are all made differently. Thus, it pays to know how you should spend your money.
Shop for Quality Brands
There are many ski gear brands, but only some are guaranteed by sports enthusiasts for their quality and durability. These brands might be pricier than others but buying a costly ski gear once would be better than buying a new a cheap one every year. You get what you pay for with these brands. And in order to save, people often watch out for Obermeyer ski jackets that are on sale weeks before winter comes. Invest in quality materials and you can easily enjoy your ski experience.
Find out the Materials
Ski jackets are made up of different materials that help you keep warm and dry at the same time. Before you purchase, a quick look on the internet about the most common materials that you would come across when buying ski jackets can help you better understand those labels and what to choose.
It’s Not Simply About the Fit
There are jackets that would help you look sleek and fit, and then there are ones that will wrap you up but is stuffier than others. The type of jacket you need to buy would depend on the type of activity, slopes, and movement you’ll be doing.
Try it on for Size
While buying online can be a convenient choice, actually trying on the jacket of your choice to check on the fit and feel of the jacket can help you make better decisions.
Take your time in choosing the right ski jacket and see the impact it would have on your overall ski experience.
It may vary from couple to couple, but still, one can safely say that a divorce process can be long and complicated. There are many papers to fix, many people to talk to, and in some cases, many court hearings to attend. But the elaborate nature of this legal process shouldn’t keep you from practicing vigilance. You need to be careful, as some actions may have an impact on your case.
If you’re going through a divorce, you need to consider the chance that it may turn into a legal battle with your soon-to-be ex-spouse. As such, you need to protect yourself by avoiding the following practices.
Listening to Your Friends’ ‘Professional Advice’
It’s a tough process, and your friends are there to the rescue. They may sympathize with you, but together with their well wishes, they may give you unsolicited “legal” advice. Be mindful of what they advise to you; divorce cases are different, and their advice may not even apply to you. All you need to do is listen to Albuquerque divorce attorneys.
Using Your Children
There are times when some parents unintentionally use their children to gain sympathy from the court and their spouse. This should never be the case. It only shows how manipulative you are. Whatever happens, always take the higher ground. More importantly, don’t forget to help your kids cope with your family’s new life.
Not Taking Care of the Documents
The meetings with attorneys and court hearings may be sidetracking you from other important aspects of the case, which basically covers a lot of paperwork. Take care of the necessary documents, from marriage certificates to property titles. You’ll need to present those eventually.
Divorce is a very complicated process, and you need to be resilient, strategic, and smart. It also makes sense to minimize your mistakes, which may even cost you your case.
Choosing a gift for your loved ones can be easy. Just watch what they usually do. Ask about their passions and know what makes them happy. But what if your loved one actually loves fishing? Picking a gift at this point may prove to be challenging.
But then again, you will need to go back to basics: watch what they do. If you have the time, you can come with them on one of their fishing trips. There, observe how things are working around. If you already have an idea of their passion, deciding on what gift to give them may become easier. Nevertheless, here are some suggestions:
A Boat Cover
You know too well that your loved one’s boat is one of their most prized possessions and you will surely want them to protect this investment. If you are planning to take this route, it will always be sensible to give them not just a boat cover, but a custom-made pontoon boat cover.
A Good Chair
This may seem counterintuitive, but you will realize how important this item is when you know that fishing is all about waiting. The pursuit itself tests someone’s patience. It is better if your loved one’s patience is tested while they are lounging in a good chair that offers full-body support.
If your loved one carries plenty of items with them, there is always a great chance that these items will get wet. If you don’t want them dealing with sloppy items, wet chasing clothes, and disorganized chaos, you may want to give them a waterproof bag. If you want to complete the theme, a waterproof set of clothes and a waterproof watch will always make nice presents.
Choosing a gift for someone who loves fishing should not be a difficult activity. If you are a direct person, you can even ask them what they want for their birthday or any special occasion.
02 Aug 2018
If you love your cowboy boots, it is essential that you take care of them and protect them from cracks and marks. Dirt and dust, after all, are boots’ worst enemies. Regular cleaning prevents these elements from eating out the microscopic fiber that makes your cowboy boots durable.
A.A. Callister shares some maintenance tips to help you extend the life of your best men’s cowboy boots.
Every cleaning process should start with using horsehair to wipe off dust and particles before they settle on creases of the boots. Use cardiac cowboy boots cream to remove deep-seated dirt. Note though that cream should match the color of your boots.
Never expose your pair of boots to heat. Stuff them well and leave them to air dry. If possible, stuff with cedar shoetree to absorb any moisture and prevent the sole from curling. Avoid using an external source of heat to speed up the drying process. Most importantly, never wear the same pair of boots for more than one day. Allow them to air out.
Repair and Storage
Do not wait very long to resole. You can also consider adding an overlay of highly elastic but sturdy rubber to extend the service life of the sole and save money from regular resoling. Keep your boots from direct light and damp places so that they will not lose their original color.
Nothing more will assure you of long years of use than keeping up on maintenance. Again, never allow the sole rubber to wear out; replace the sole before that happens. Also, proper cleaning and moisturizing are must-dos to maintain the shape and color of your boots.
01 Aug 2018
Starting your very own business can be an exciting experience. Saving a failing one can even be more satisfying. While it’s never any entrepreneur’s dream that their business will struggle someday, it happens. The steps you take afterwards determine the trajectory of the enterprise. If your barbershop is currently going through a rough patch, here are smart ways to guide it back to profitability.
Assess Your Operations
Ultimately, what causes a business to struggle is how it’s operating. If the wheels of your barbershop are no longer working, then the entire business is a lost cause. Perhaps your brand is no longer delivering. Maybe it’s time to improve customer service by revamping your equipment. In that case, put some money in high-quality equipment, from professional hair scissors to comfortable furniture.
Focus on the People
Sometimes, the reason why a once-successful barbershop is going through difficulty has to do with the people involved in the business, not the financing. Could it be that something broke along the way, and now’s there’s a disconnect between your concept and what your employees are doing? Look for signs of laziness, entitlement or complacency. Find ways to eliminate these business killers.
Look for Quick Fixes
When your barbershop is struggling, you should look for the quickest ways to remedy the situation before it’s too late. Now is the time to find new sources of revenue. Talk to your big suppliers and request their support. They want you to succeed and will do anything to help, including extending credit to feed your recovery and expansion. If you need to downsize for the time being, then do so promptly.
You started your business with a vision, and you owe it to yourself to achieve that vision. Regardless of the struggle, you can still guide your barbershop back to success if you act with ingenuity and foresight.
16 Jul 2018
Gold is still as desired as it was thousands of years ago, and many people still prefer gold for their jewelry pieces. But many people do not know the quality of the gold they are purchasing, and that there are various types of gold plating, you can alternatively use in your jewelry pieces.
To understand the different types of gold-coating from jewelers in Salt Lake City, AAA Jewelers recommends that you need to look at the metal’s quality stamp. The kind of gold plating used is found in the initials on the quality stamp. Here are several gold plating options you will come across.
If your piece is gold-plated it means it has a thin gold layer on its surface. The base metal of your jewelry can be brass or stainless steel. For a piece to be termed ‘gold-plated,’ its gold layer should be not less than 7millionth of one inch, and it should contain more than 10K gold. Gold plated jewelry is indicated on its stamp as GEP or GP.
This jewelry is also called rolled gold-plated. It has a broader gold coating compared to gold-plated jewelry and is more durable. Rolled gold-plated jewelry pieces have more than 10K gold, but this content might be less than 1/20 of your jewelry’s weight. The underlying metal in this jewelry is stainless steel, copper or brass. The stamp of a gold overlay has G.O or R.G.P initials.
The gold content of gold filled pieces is more than 10K and more than 5% of your jewelry’s weight. With proper care, gold filled jewelry neither peels off nor flakes and is harmless for those with sensitive skin. Gold filled pieces have a GF mark on their quality stamp.
From the above options, you can now choose the right gold jewelry piece without spending too much. You also understand gold plating much better and pick the best piece for you. Get a genuine jeweler and start revamping your gold jewelry collection.
The bond between hairdresser and client is one that grows over time. It may start in an awkward situation, but that is normal considering your client is entrusting you with their crown jewel–their hair. For some customers, it takes one haircut to decide whether they will come back.
Others, however, are more willing to work with you. Here is how you nurture your clients to keep them happy and satisfied with every visit to your salon.
Choose Flattering Haircuts
Your tools come in various shapes and sizes: there is a hairdressing scissor to use for each cut, but more importantly, you have some knowledge on which cut looks best for which face shape. Both are valuable and should be used together to deliver a flattering haircut every time.
When cutting a client’s hair, pay attention to their past styles and their level of comfort, especially when you are going for a bob.
Compliment Their Style
You will get a lot of information about a client from their personal style and makeup. All these go together, so if a haircut suits their fashion sense, they will receive it with more praise.
Consider a lawyer, for instance, who dresses in modest suits for her job. You would not suggest going crazy with her hair colour, as he or she might not receive this well in the workplace.
Make Them Feel at Home
When people want something different for their hair, there is probably something big going on in their life. This means you see them at a vulnerable time when they are trying to make things better for themselves. The last thing you want is to make them feel scared at the salon.
Talk to them without overstepping your boundaries. They should be relaxed throughout the appointment, as stress might make a beautiful cut look unflattering in their eyes.
Hairdressing is a rewarding job that earns you not only clients but also friends. Nurture your relationship with them for the long haul.