The cost of today's average wedding has gotten so high, you might
think that the application of the word "budget" doesn't apply.
Of course you 'd be wrong.
Whether you're spending $3,000 (far below average, even in the
least expensive areas of the U.S., but I know several people
who've done it quite successfully) or you're spending $30,000.
( only a bit about the average cost of a wedding today, so average.
means plenty of people spend more), you still need a budget.
A budget isn't necessarily an attempt to spend less. It's a plan.
for where you'll spend the money you do spend, regardless of the.
I hope you're among the lucky few who can afford to spare no.
expense when planning the wedding of your dreams. On the other.
hand, I know some fairly wealthy people, and I don't know anyone.
who didn't angst to a certain extent over the cost of their.
Most people simply can't afford or just would rather not to empty.
their savings and run up their credit for their wedding.
Weddings have this somewhat scary habit of being rapidly followed.
by even MORE expensive things to spend your hard-earned money on,.
more permanent things, like buying a house and having a baby (or.
Trickier still is the fact that many brides (the traditional.
planners of weddings) are marrying a bit later in life, when.
they're well ensconced in a career and don't have their weekdays.
free for interviewing wedding vendors and sampling cake.
Do Wedding Planners Cost or Save?
Of course professional wedding planners have to be paid, so in.
that way they obviously cost you. However an argument can be.
made (and is made, both by wedding planners themselves and by.
brides who've been happy with their professional planners) that.
having a professional wedding planner can save you money in other.
areas. An experienced wedding planner is involved in several.
weddings each year. This means that they'll have ongoing.
relationships with certain wedding vendors, and it behooves those.
vendors to cut the wedding planner a break on prices, so that.
she'll continue to use their services at all of the weddings.
she's involved with.
- Aside -.
Not that it affects your budget, but it also behooves wedding.
vendors to keep wedding planners happy with the service the.
vendor provides. As an individual, you're not likely to see.
these vendors again after you finish your wedding (at least not.
for a good long while, preferably not ever). A wedding planner,.
on the other hand, will see these vendors again and again; she's.
a repeat customer for them.
Vendors will, of course, value a repeat customer more than a one.
- time customer. They will convey this value with financial breaks.
and extra-good service. They may convey if push comes to shove.
it by giving a wedding planner something (such as service on a.
popular date or that includes a hand-to-find item) that they have.
to take away from an individual bride. I know a bride who was.
promised a wedding venue for a specific date and then a week.
later the venue canceled on her, because they had a "repeat.
customer" who wanted that date and was willing to pay extra. My.
friend was not given the opportunity to pay extra or to outbid.
the repeat customer. She just lost the date.
- Aside -.
, if you find a wedding planner with a great reputation (with both.
brides and local vendors), you may get the best of everything: A.
wedding planner who can easily get you top-notch vendors and.
negotiate powerful bargains.
Even with a terrific wedding planner in your employ, you should.
still do your own research and talk to your planner with a strict.
budget in mind. , if the planner can't control costs.
adequately, it's always your responsibility to offer cost-saving.
ideas of your own. , if your wedding planner doesn't stick to your.
budget, then she's the one who did a poor job, but it's still you.
who are out the money. The extra cost doesn't come out of the.
Still, no wedding planner is likely to save you more than she.
charges you. Hiring a wedding planner will result in higher.
financial wedding costs for you. The area in which an excellent.
planner will certainly save you, however, is in time. You'll.
need to invest far fewer hours toward organizing and ensuring the.
If you hire a wedding planner than if you, details of your wedding.
The question for you to answer is whether you have more time or.
more money to invest in your wedding. Only you can answer that.
What's The Cost.
Wedding planners can charge you in any of three ways:.
oA percentage of the total cost of your wedding.
oAn hourly charge.
oA flat fee per specific services.
It's the least common, I recommend looking for vendors.
who use the last of those options. The problem with the.
percentage charge is that it creates an incredible conflict of.
interest for the planner. In essence, the more your wedding.
costs you, the more the planner gets paid. That's the opposite.
of how it should work, in my opinion! Most planners are ethical,.
and they die and live by recommendations, so they're unlikely to.
triple your expenses just to increase their cut, but at some.
level of consciousness, it's just not encouraging them to watch.
every penny in the way that I, personally, would like. , if you're.
working with a planner who charges a percentage (15% is typical),.
talk about paying them a percentage of your budgeted wedding.
costs (rather than actual costs), plus a percentage of any amount.
they can come in under budget. Essentially offer them a bonus.
for coming colorado wedding planner in under budget. This will somewhat offset the innate.
conflict of interest in the percentage-based payment structure.
An hourly fee at least solves the problem that the percentage fee.
causes, but it causes an analogous problem with time. When a.
wedding planner (or any vendor) charges you by the hour, they.
lose their incentive to move fast, and you have very little.
control over this. Since you're not doing the work, it's tough.
for you to say exactly how long it should take. If you're.
working with a wedding planner who charges by the hour, set a.
maximum number (or range) of hours you'll pay for, while making.
sure that the planner agrees that the maximum you set is an.
adequate amount of time to plan your entire wedding.
Planners who charge a flat fee for each specific service they.
provide give you great flexibility. You don't have to hire them.
to plan every part of your wedding. If you want them to handle.
the venue and catering, while you hire your cousin's band and.
have your mom make your dress, you have lots of flexibility in.
paying for just the services you need, but no others. Also, by.
charging a flat fee per service, the planner maintains all normal.
( and desirable) goals to get the work done quickly and.
inexpensively. They don't get paid more for failing at one of.
those goals, as they do with the other payment methods.
Unfortunately, planners dislike this payment structure because.
they fear that there will be something unusually difficult about.
your wedding, and they'll have to eat the cost of dealing with.
it. Particularly wedding planners who are new to the field feel.
uncomfortable trying to predict ahead of time how much time and.
effort it will take to provide the services you require. If you.
propose the use of this payment structure to a wedding planner.
who normally charges differently, make it clear that you're aware.
of this concern and find it reasonable. Discuss the fact that.
If, you're willing to accept add-on charges (probably by the hour).
an unusual situation, beyond the planner's control, occurs. As.
with all types of wedding planners, be sure to ask to speak to.
references, and talk to these brides-who-have-gone-before-you.
about exactly what the wedding planner did and didn't do for each.
service she provided.
Just because a particular wedding planner.
usually charges clients a certain way, doesn't mean they can't.
get paid by another method. Most wedding planners are freelance.
agents, who can define their own rules for how they get paid.
Perhaps they've always charged percentages in the past, but that.
doesn't mean they couldn't agree to get paid a flat fee for.
specific services for your wedding, if that's the only way you're.
willing to pay. Of course you must be aware that this also means.
that they can walk away and not take you as a client, if they.
really don't want to accept the payment structure you're.
Negotiate with a wedding planner just as you would with any other.
vendor. Remember that you're hiring them. They are your hired.
help. You can find a different if you don't like their terms.
wedding planner to contract with. You're the one holding all the.
cards. Play them.
It is not uncommon now to hear of people having multiple creditors to pay. And many try to make payments on time and beat due dates. With the cost of education having risen over the years, former students are constantly looking for ways to pay back their educational loans. Now paying debt can be difficult already but it is more difficult when one has multiple loans to think about as paying different loans at different times can be.
To address this problem, a lot of people now opt for direct loan consolidation. A federal direct consolidated loan will pay off all your existing loans like your Perkins Loans, FFELP Loans and Direct Loans and a new loan is created with a single interest rate and repayment period.
There are also multiple plans available to borrowers so they can choose how to repay their direct consolidation loan. When times are changing, the good thing about these plans is they are tailored to be flexible so the borrow can easily adjust. To opt for a direct consolidation of your debts is also free plus you don't need to have a minimum borrowed amount to qualify for this.
Now if you only have one loan you might be thinking this is of no use to you. But you may want to convert your loan into a direct loan consolidation to get refinancing benefits and have a much more favorable interest rate. Most federal loans and plus loans can be consolidated.
You have the option of choosing which kind of direct consolidation loan you wish to apply for. A direct unsubsidized consolidation loan combines federal student loans that are no longer eligible for interest subsidies. You will receive an Unsubsidized Direct Consolidation Loan if any one of the loans to be consolidated is unsubsidized.
While a direct subsidized consolidation loan combines federal student loans eligible for interest subsidies, the common examples of these are loans such as subsidized FFELP and Direct Loans, and Federal Perkins Loans.
And the third kind here is the direct PLUS consolidation loan which combines FFELP PLUS and Direct PLUS loans.
In order for you to qualify for this you just need to have at least one Direct Loan or Federal Family Education Loan that is under these status; repayment, deferment, default, or in grace.
If you are currently experiencing difficulty making payments to your creditors, you have multiple due dates, and you just wish to have the option of better repayment schemes you may want to consider availing of this service now.
A federal direct consolidated loan will pay off all your existing loans like your Perkins Loans, FFELP Loans and Direct Loans and a new loan is created with a single interest rate and repayment period. You may want to convert your loan into a direct loan consolidation to get refinancing benefits and have a much more favorable interest rate. A direct unsubsidized consolidation loan combines federal student loans that are no longer eligible for interest subsidies. If any one of the loans to be consolidated is unsubsidized, then you will receive an Unsubsidized Direct Consolidation Loan.
Helpful Graduation Announcements and Graduating Invitations Etiquette for All School Grads
With today's multiple and varied educational options, graduation is a year round season and happening, which means everyone needs to prepared for graduating ceremonies, graduate parties with fancy and not so elegant dinners, and most of all, that all important gift giving. While academics accomplishments and achievements are an important element of celebrating any and all educational milestone, it is helpful if people of all ages are knowledgeable about the protocol of these gigantic milestones in their educational life.
Custom Graduation Announcements are for Announcing You're Graduating
When personalizing and sending your stylish announcements for graduates, good etiquette suggests that they should be mailed after the ceremony has been held. School grads, at all graduating milestones, should send graduating announcement cards to friends and family members who they would like to know about this significant educational accomplishment, even those who you might not have had recent close contact. As you are preparing this important list, it is advisable to approach the task with the attitude that this more of an inclusive list than an exclusive list of names. And, in this day and time, it might be awfully tempting to simply blast off a mass email, but this should be totally avoided. For occasions like this, you should be respectful to your relatives and send only custom printed and embellished graduate announcements, this significant education milestone certainly deserves more than a mere email.
Personalized Graduating Invitations - What to Include and Who to Send the Invites To
Although lots of people see little differences, there are, in fact, significant differences between graduating announcements and graduation invitations, regardless of whether they are for kindergarten, high school, college, nursing, and any other level of graduating. For most graduate ceremonies, the graduates usually are offered a limited amount of tickets, so in many cases, not every friend or family member will be able to attend. It is better to offer tickets to the immediate family members, including the proud grandparents. It is up to the grad to be very clear with those who actually receive a graduation invitation that the distribution is limited, and they should attend, if at all possible. And, for those who do not receive graduate invitations, a tactful explanation should be given explaining why is a brief explanation in their announcement.
Remembering Your Etiquette for Graduation Invitations and Graduating Announcements
With all the fanfare and celebrations surrounding graduations, from pre-k, high school, advanced degrees, and all levels in between, comes school graduating etiquette guidelines that they will want to be aware of and follow, thus ensuring everything goes smoothly and avoid having hurt feelings. Proper etiquette includes a wide range including, but not limited to, who should get invitations for graduation and school graduate announcements cards, appropriate gifts, party etiquette, and the all important, thank you note cards tips for surviving all graduations with class.
The skills and lessons learned while in the classrooms will help everyone on the job, but those people skills that you use and have are the ones that will afford you a definite advantage in the work environment. Good etiquette, whether socially or professional, makes everyone's life more complete and happier, since it includes behavior and interaction with others, and it is relationships and people who contribute to and drive our lives.
School grads, at all graduating milestones, should send summer party invitations graduating announcement cards to friends and family members who they would like to know about this significant educational accomplishment, even those who you might not have had recent close contact. Lots of people see little differences, there are, in fact, significant differences between graduating announcements and graduation invitations, regardless of whether they are for kindergarten, high school, college, nursing, and any other level of graduating. For most graduate ceremonies, the graduates usually are offered a limited amount of tickets, so in many cases, not every friend or family member will be able to attend. Proper etiquette includes a wide range including, but not limited to, who should get invitations for graduation and school graduate announcements cards, appropriate gifts, party etiquette, and the all important, thank you note cards tips for surviving all graduations with class.
Podiatry as a medical specialty has advanced greatly over the last fifty years In certain areas, recognition and understanding of that advance by the general public and even the medical community has not followed. No longer a trade that simply treats corns, calluses, and toenails, podiatry has become the branch of medicine with the most expertise in foot and ankle medicine and surgery. This article will discuss common myths about podiatry, and the nature of this specialty in 2010.
Myth # 1: Podiatrists only go to school for two years.
After graduating from a four year undergraduate university, podiatrists go to school just as long as a medical doctor (MD), or doctor of osteopathy (DO). Much of the first two years of podiatry school academic study are identical to those degrees. The difference begins in the third year, where podiatry students begin to develop experience in foot and ankle medicine. While podiatry students serve in many of the same hospital departments learning general medicine during the fourth and third year as MD and DO students, more of that time is spent in the field where they have already decided on specializing, as opposed to MD and DO students who are undecided on a specialty. Upon graduating, new podiatrists become hospital-based resident physicians for two to three years, learning advanced medical and surgical techniques, and usually are tasked with the same responsibilities as MD and DO interns and residents in those institutions. Only after that do podiatrists enter practice.
Myth # 2: Podiatrist mainly treat nails and calluses
There was a time in the former half of the last century that podiatrists (then known as chiropodists) strictly treated nails, calluses, and simple foot pain. For the last forty years, podiatrists have treated every condition that could possibly affect the foot and ankle, from bunions and hammertoes, to serious infections and fractures, and even severe birth deformities.
Myth # 3: Podiatrists do not perform surgery
The specialty of podiatry is generally a surgical one, since many treatments performed by a podiatrist in or out of the office involve some hands-on procedure. While some of this is not surgery in the sense of involving an operating room and general anesthesia (like the in-office treatment of ingrown toenails, for example), much of what podiatrists do does involve traditional surgery. Nearly all podiatrists perform hospital or surgery center-based surgery. They become board certified in foot surgery, and American podiatrists are recognized world-wide as the experts in foot and ankle surgery. Podiatrists employ traditional orthopedic surgical techniques, and also pioneer procedures unique to the specialty to advance modern foot and ankle surgical knowledge. Podiatrists perform routine corrective surgery, but also serve on trauma teams and save lives with aggressive surgical intervention in diabetic foot infections. Some sub-specialize in pediatric surgery, while others concentrate on sports medicine.
Myth # 4: Podiatrists use expensive shoe inserts to treat everything.
Part of the unique advantages of a podiatrist over another specialist who has cross-treatment of foot problems is the podiatrist's education and understanding of the field of biomechanics. The foot has a unique structural, physiological, and engineering relationship with the ground as it pertains to body movement. Biomechanics involves the study of that relationship. Part of a podiatrist's education is understanding this relationship, how it factors into foot disease and injury, and how it can be manipulated to prevent injury and disease. One of the greatest advances in this field in the last fifty years has been the development of the orthotic. Any store-bought insert is now called an orthotic, the traditional and more accurate description of an orthotic is a molded plastic or composite insert that was formed over a model of one's foot. This foot is manipulated during the modeling process such that the foot joint that controls flattening and excessive arching is held in an accepted zero degree position, thus ensuring the resulting orthotic will hold the arch in a biomechanically ideal position. Since many common foot injuries are related to excessive foot flattening, or less commonly a high arch, orthotics have a role in preventing and stabilizing that disease process. Orthotics are used as part of a treatment plan for many foot conditions, but are not a panacea for everything, and therefore use is limited to conditions for which they will be of benefit. As a prescription device, they unfortunately are expensive (comparable with many high quality eyeglasses). They are durable, and should last many years as long as one's foot structure does not change much over time.
Myth # 5: "Bone doctors" are better trained to treat foot injuries than podiatrists.
Orthopedic surgeons share with podiatrists treatment of many of the same conditions that involve the foot and ankle. However, most general orthopedic surgeons are not as specially trained in foot and ankle medicine and surgery as modern podiatrists, with most of their experience lying within the scope of trauma and fracture care. While orthopedic surgeons are highly trained specialists who excel in treating all other areas of the body, they have less training in elective foot reconstruction, non-surgical treatment of the foot, and foot biomechanics. There are orthopedic surgeons who specialize in the foot and ankle, with more fellowship training and experience. These fellowships are short compared with a typical podiatry residency, and emphasize surgical treatment over non-surgical treatment. By contrast, most podiatrists practice a mix of non-surgical medical therapy and surgical intervention, and have established themselves as the first line specialist for foot and ankle conditions due to their comprehensive training and breadth of treatment capabilities.
By understanding the role that podiatrists play in modern medicine, old myths about who provides foot care can be dispelled, and patients seeking expert care of the foot and ankle can find the appropriate physician to provide that treatment.
They become board certified in foot surgery, and American podiatrists are recognized world-wide as the experts in foot and ankle surgery. Part of the unique advantages of a podiatrist over another specialist who has cross-treatment of foot problems is the podiatrist's education and understanding of the field of biomechanics. Since many common foot injuries are related to excessive foot flattening, or less commonly a click here high arch, orthotics have a role in preventing and stabilizing that disease process. Most general orthopedic surgeons are not as specially trained in foot and ankle medicine and surgery as modern podiatrists, with most of their experience lying within the scope of trauma and fracture care. While orthopedic surgeons are highly trained specialists who excel in treating all other areas of the body, they have less training in elective foot reconstruction, non-surgical treatment of the foot, and foot biomechanics.