A Step By Step Guide To Making The Perfect Budget For Your Wedding

 

Fall in Love with a Smart Wedding Budget

(NewsUSA) – The to-do list for newly engaged couples can be daunting. Finding a venue, booking a caterer, choosing a dress — there are many details that need to be factored into a wedding budget, regardless of who is paying. Starting a new life together is a perfect opportunity to establish solid financial habits that will serve you well throughout your marriage.A CERTIFIED FINANCIAL PLANNER™ professional can help couples develop a smart plan to manage engagement and wedding expenses. Setting priorities early on can help avoid conflicts as the big day approaches. Start by considering these four elements of planning for wedding expenses:

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Engagement Rings Bring Your Love Story to Life

(NewsUSA) – Engagement rings mean many things — romance, love, commitment. Each love story is unique, each engagement ring is the start of a new love story, and each will be a witness to a lifetime of memories.An engagement ring is inspired by courtship memories. If an engagement ring could talk, it might tell you a story of "boy meets girl" and how an awkward guy got up the courage to approach the girl across a crowded room. The story continues with dates, vacations, meeting the parents. An engagement ring might reflect on a first vacation together, favorite walk, and the features of a girl’s personality that captivated the boy into popping the question.A ring might recall asking a father’s permission, sneaking a sample ring from a drawer to determine the perfect size, and even providing some inspiration for a design that would bring her to tears when she said "yes."Engagement rings are followed by wedding rings, which tell the story of a bright day full of joy as two become one in front of family and friends. In the future, these rings will experience years of holding hands, warming hearts, rubbing shoulders, holding babies, and serving as a reminder of a lifetime of love with the love of your life.Custom diamond engagement rings from Cornelis Hollander help you tell your unique love story with timeless beauty. Our engagement and wedding rings represent your love, energy, and commitment to each other.The story doesn’t stop with the walk down the aisle some bright day in June, it is only beginning, and the team of skilled designers at Cornelis Hollander is honored to help start you on your journey together.The Arizona-based company has four decades of awards and testimonials for its customized engagement ring designs that range from classic to modern, with stunning settings and sparkling gems."Our diamond rings are exceptional because they are made uniquely for the wearer, making them exclusive, memorable, and personal. Your ring is the ultimate storyteller of your style and commitment," according to Cornelis Hollander’s son, Walter Hollander, who inherited the company from his father.Visit cornelishollander.com for more details and to explore a unique collection of handcrafted diamond ring designs.

Safeguard Your Jewelry on Summer Vacation

(NewsUSA) – Beauty, like health, goes beyond the visible surface. While many of us manage our wellness via diet, exercise and check-ups, we don’t apply the same 360-degree approach to our beauty regimen. It’s possibly due to lack of viable options.Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia’s approach pairs this advanced technology with specially formulated skin care for remarkable results."Over a decade of Neauvia’s international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They’ll work with you to customize an optimal treatment plan to achieve your desired results.Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.Energy-based devices strengthen and surpass home treatments. Let’s say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.Treatments can rejuvenate beyond your face and neck. Zaffiro’s thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.Innovative energy-based devices can yield beautiful effects by working with the body’s natural functions in a way that is safe, reliable, and non-invasive. They’re less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.A well-rounded skin routine ensures that your actions – daily, monthly, over time – compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.To learn more and connect: Instagram, Facebook, Twitter, YouTube, LinkedIn.

Forget That Facelift – “Wrap” Your Face into Shape

(NewsUSA) – You probably don’t think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints."It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies."We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano."Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global’s CEO.There are three steps to the ECOTEK process:- Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.- Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.- Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms."The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.For more information about how your company can go greener and look great doing it, visit https://globalfibertechnologies.com/ecotek-360/.

Spending time outside this spring comes with a caveat – check for ticks

(NewsUSA) – It’s time to start talking ticks. Spring signals a particularly active time for ticks, just when gardeners get antsy to get their hands dirty, working in their gardens. For anyone looking forward to spending time outdoors Be Warned: tick-borne disease is on the rise.Each year, approximately 30,000 cases of Lyme disease are reported to the CDC by state health departments, but this number doesn’t reflect all diagnosed cases of Lyme disease. Recent estimates suggest that approximately 300,000 people may get Lyme disease each year in the United States.New data reported by the CDC in 2018 showed that state and local health departments reported more cases of tick-borne diseases in 2017 than ever before, including Lyme disease. While the uptick in ticks remains unclear, a number of factors can affect tick populations, including temperature, rainfall, humidity, and most certainly, host populations, like deer.Although ticks can thrive just about anywhere in suburbia, it’s common that they prefer wooded areas, gardens, plantings, and tall backyard grasses. One reason ticks continue to flourish is their propensity to hang out on shrubs, trees, and in tall grass waiting for unsuspecting hosts- like your dog or deer- to wander by so they can latch on and hitch a ride to your backyard.We know that deer have made themselves at home in suburbia and most of us have seen more than our share of deer right outside our windows. When you see deer outside, its probable ticks hitched a ride and will stay behind when the deer move on. Ticks need a host to survive and they find a prefect host when attaching to your dog, cat, or any human in close proximity.Avoiding the outdoors during warm weather isn’t an option so prevention and protection is paramount when it comes to dodging ticks and defending yourself against tick-borne illness.It stands to reason and statistic show, deer are carrying ticks to your backyard. Your best and most logical defense is to discourage deer from roaming onto your property in the first place.One of the most reliable and logical ways to keep ticks out of your yard is to keep the deer away.There’s a number of strategies to keep deer at bay, including physical barriers like fencing, but fencing can be unsightly and deer can jump two feet higher than allowable suburban fence height restrictions of six feet. Planting deer resistant varieties like marigolds, foxgloves boxwood and rosemary could help, but when food supply is low, deer will eat just about anything. Motion deterrents positioned near your garden can scare deer off, however, you’ll have to continually reposition them since deer will become acclimated to them and won’t be scared away.Back to logic. We know deer rely heavily on their sense of taste for feeding and smell to alert them to predators. Using a scent aversion, fear-based repellent, like Bobbex Deer, is often considered the most effective, practical, and easy way to keep deer out of your yard, and turn the tide on ticks, keeping them out too. Repellents make good sense.There’s quite a few repellents to choose from but Bobbex Deer works. It’s third party verified through testing by the Connecticut Department of Forestry and Horticulture. Bobbex trumped nine other repellents products, was cited number one in comparison testing, and second in effectiveness only to a fence barrier.Bobbex Deer Repellent combines scent and taste deterrents. The all-natural repellent blends six scents, including rotten eggs, garlic, clove oil (among other things) to mimic predator scents, classifying it as an effective fear repellent. It also tastes terrible to deer, but is actually good for plants because it contains trace nutrients including nitrogen and phosphorus. The product dries clear, is harmless to humans and pets, won’t burn plants and its odor, after 24 hours, is undetectable to humans, but deer are still repelled by it. Bobbex is safe for use on the most sensitive plants and can be used on shrubs, trees or as a bulb dip.The takeaway? Ticks are on the rise and deer populations are high just about everywhere. The dual key to combat both deer in your yard and hitchhiking ticks is proactive protection, using a verified, tested, and effective repellent. Don’t forget ticks can be active year-round and Bobbex Deer is designed for year-round use.For more information about Bobbex Deer, visit www.bobbex.com.

Most Seniors Want to Age at Home, but More Are Moving to Make it a Reality

(NewsUSA) – Most older adults – about 94 percent – want to stay at home as they age. But a new survey from the Home Instead Senior Care network shows many seniors are redefining what it means to age in place, revealing that one in four plan to move to a new home to accommodate their changing needs.Among those who want to age in a new home, many older adults are searching for improved practicality – with top desired features, including single-floor living and easy or low cost of maintenance. For those who want to stay in their current homes, nearly two-thirds have given thought to age-friendly modifications, such as adding grab bars to bathrooms or other safety measures.When seniors and loved ones are faced with the question of what features are best for them, it’s important to consider effects of aging that could make certain areas of the home hazardous, such as:* Agility and mobility. Conditions such as arthritis can impair mobility. Stairs that were once easy to navigate might now present a challenge.* Balance. Neurological disorders such as Parkinson’s disease and other chronic conditions increase the risk for balance problems, as well as falls on slippery floors and getting in and out of the bathtub.* Eyesight. Studies indicate that a 60-year-old needs at least three times more ambient light to see than a 20-year-old. Poor eyesight may make medication management and personal grooming difficult, and can lead to tripping hazards.* Memory. The effects of memory loss might make it hard for an older adult to stay on a medication plan, remember to turn off stove burners or pay bills on time.With so much to consider, it’s easy to feel overwhelmed navigating the decision of where to age. In fact, just one in four seniors surveyed report having specific plans for where they will live as they become older.To help seniors make an informed decision on the best place to age, Home Instead is introducing Home Your Own Way, a new collection of free resources for seniors and their loved ones to navigate options and determine what "home" might look like for them.Whether older adults age in their current home, downsize, move to a senior living community or choose to live with relatives, the goal of Home Your Own Way is to provide seniors and families with the resources they need to make a decision that is right for them.To learn more about defining home your own way, visit www.HomeYourOwnWay.com or, contact your local Home Instead Senior Care office or www.homeinstead.com. 

A Riddle for Our Times

(NewsUSA) – Most older adults – about 94 percent – want to stay at home as they age. But a new survey from the Home Instead Senior Care network shows many seniors are redefining what it means to age in place, revealing that one in four plan to move to a new home to accommodate their changing needs.Among those who want to age in a new home, many older adults are searching for improved practicality – with top desired features, including single-floor living and easy or low cost of maintenance. For those who want to stay in their current homes, nearly two-thirds have given thought to age-friendly modifications, such as adding grab bars to bathrooms or other safety measures.When seniors and loved ones are faced with the question of what features are best for them, it’s important to consider effects of aging that could make certain areas of the home hazardous, such as:* Agility and mobility. Conditions such as arthritis can impair mobility. Stairs that were once easy to navigate might now present a challenge.* Balance. Neurological disorders such as Parkinson’s disease and other chronic conditions increase the risk for balance problems, as well as falls on slippery floors and getting in and out of the bathtub.* Eyesight. Studies indicate that a 60-year-old needs at least three times more ambient light to see than a 20-year-old. Poor eyesight may make medication management and personal grooming difficult, and can lead to tripping hazards.* Memory. The effects of memory loss might make it hard for an older adult to stay on a medication plan, remember to turn off stove burners or pay bills on time.With so much to consider, it’s easy to feel overwhelmed navigating the decision of where to age. In fact, just one in four seniors surveyed report having specific plans for where they will live as they become older.To help seniors make an informed decision on the best place to age, Home Instead is introducing Home Your Own Way, a new collection of free resources for seniors and their loved ones to navigate options and determine what "home" might look like for them.Whether older adults age in their current home, downsize, move to a senior living community or choose to live with relatives, the goal of Home Your Own Way is to provide seniors and families with the resources they need to make a decision that is right for them.To learn more about defining home your own way, visit www.HomeYourOwnWay.com or, contact your local Home Instead Senior Care office or www.homeinstead.com. 

Don’t Make These Mistakes after A Collision

(NewsUSA) – In the U.S. alone, there are 10 million car accidents every year, and the tense moments following a car accident, even a minor one, can be scary and stressful for everyone involved.Drivers and passengers can feel confused and unsure of what to do. Even the most experienced and seasoned drivers can make basic mistakes after they have been involved in a traumatic event.Simple, avoidable mistakes could cost you time and money, or lead to personal, medical and legal issues.Here are some of the most common mistakes to avoid after a collision:* Fleeing the scene: Leaving the scene of an accident could land you in serious legal trouble. You may be in shock, but the most important thing to do is stay where you are.Check on your passengers, and once you exit your vehicle, check with the other driver involved in the accident.Try to remain calm and wait for law enforcement to arrive on the scene. If it is safe to do so, use your cell phone to take photos of your vehicle to document the damage that resulted from the accident while you wait for police.* Not reporting the accident:Even if it’s just a minor collision, always report the accident to the police. Never let someone convince you to avoid calling the police.If you decide to make a claim with your insurance company later on, or if you decide to pursue a legal claim, not reporting the accident could hurt your case.* Exchanging too much information: Do not share your driver’s license or who was at fault with the other driver; however, share this information with the police along with your current insurance.Always exchange contact information with the other driver, get contact info from any witnesses, and obtain full insurance details from other drivers involved in the accident.Make sure accurate information is included in the police report, and ask for a copy of the report to edit any incorrect information.* Failing to get medical advice: You may think that you were lucky enough to escape injury, but you should always get a medical checkup after a car accident, especially if you hit your head.Remember, only a medical professional can rule out possible head trauma and other serious injuries.* Having your vehicle repaired at just any shop: You might have to make a decision on-the-spot as to where to have your vehicle repaired. Don’t make a panicked decision when it comes to your safety.Visit www.goldclass.com to find a Gold Class shop that has collision repair professionals with up-to-date training contributing to complete, safe and quality repairs. 

The Ultimate Gift for Golf Gurus

(NewsUSA) -Are you a yacht owner who wants to enjoy time on the water, but doesn’t want to keep up with the work and expense of full-time ownership? Consider shared (fractional) ownership through a cooperative instead. It offers "all of the luxury and none of the hassle" according to yacht co-op and management company Saveene.Many yacht owners or would-be owners hesitate at the additional expenses of luxury boating beyond the purchase of the boat itself, such as cleaning, upkeep, marina fees, and paying a crew. Saveene offers options for fractional purchases that are flexible and cost-saving. The more fractions you purchase, the more yacht usage you have.For example, a 10 percent purchase equals approximately 4 weeks of yachting time each year; 20 percent entitles you to 8 weeks.Other advantages of fractional ownership include:– Flexibility. Saveene fractional owners can purchase up to 10 fractions per yacht, and Saveene helps them sell these fractions if they choose or owners can sell their own fractions if they choose.Several styles of yachts are available, ranging from 40 feet to 90 feet; all are outfitted with luxurious rooms and amenities. A handy online scheduling tool lets fractional owners choose outings of a few hours, day trips, or overnight excursions.– Fun. Sit back and relax. The Saveene team will schedule and prepare your yacht for your arrival, and a professional crew and concierge will help plan the perfect outing for one or two passengers, a larger group of friends, business associates, or extended family with a range of ages. Fractional owners can bring their own food and beverages or Saveene yachts can accommodate a caterer or chef.– Finance. With fractional ownership, you can enjoy periodic luxury boating without worrying about the day-to-day costs of maintenance, repairs, insurance, or storage that come with owning a yacht outright. So why pay 100 percent of the cost plus 10 percent of the cost for maintenance when you only use 10 percent to 50 percent of the yacht?Also, if you wish to purchase 100 percent of the yacht, you can. In this case, Saveene can manage your yacht. A tax write-off option is also available with Saveene. In addition, a maintenance-free option is also available. Yes, this means no monthly payments.Here’s an example of how fractional co-op ownership works: Mr. Smith purchases a 10 percent interest in a 4-stateroom fractional yacht for $89,980. This gets him approximately 3-4 weeks a year of yachting. If that doesn’t seem like enough, he can buy more. If he decides to give it up, he sells his fraction through Saveene or himself.Saveene offers a range of yacht co-op choices to fit any budget, and the Florida-based location means great yachting weather all year round.Visit saveene.com for more information. 

Stylish Carrying Case Corrals Handbag Essentials in Style

A non-surgical technique for lifting double chins, reducing puffiness around the eyes, and improving the appearance of wrinkles is now available in the form of an easy-to-use home kit called The Face Wrap. (www.facewrap.com).Previously available as a salon-only treatment, The Face Wrap lifts and tightens drooping areas on the forehead, face, and under the chin by firmly wrapping them up in a mineral-soaked, non-allergenic "face wrap" constructed of non-latex elasticized cotton fabric."The liquid minerals are the secret to the Face Wrap," says Sarah Bolger, The Face Wrap’s spokesperson. "The minerals, which are all-natural, draw out impurities from the complexion while giving the skin a firmed and tighter look on the outside and a rejuvenated feel to the underlying tissues."Bolger says the all-natural, one-hour facial beautification procedure is safe and painless."Our Face Wrap kits have wrapped many thousands of faces, and we’ve learned how to produce wonderful changes," says Bolger. "For those looking for an alternative to cosmetic surgery, wrapping your face is an easier way to reduce double chins and puffiness, lift and tighten the skin and enhance your own natural beauty."Bolger also recommends exfoliating before using to allow the minerals to absorb better, and exercising the face daily with a few simple exercises.Working women want to look their best – especially after 50. But let’s face it, most working women find it difficult to carve out an hour or two a week for visits to the day spa. That’s the appeal of the home kit. The one-hour treatment can be done at home while reading or on the computer or while resting.Women generally look five- to ten years younger after a series of three to six treatments. Most people are surprised to see their cheekbones and jaw bones again!Visit www.facewrap.com for more information. The kit costs $139 and contains enough minerals for at least 20 treatments, or about $7 per treatment. A lot less than $80-plus for various salon treatments.