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2 June 2013 Wedding Guide

Wedding planner makes it unique

Staff Reports A womans wedding day is one of the most important days of her life. Along with the bliss and excitement comes stress and in many cases, overwhelming pressure to achieve perfection. While bridesmaids, friends and family can help take a load off the brides shoulders, hiring a wedding planner can make the task even lighter. Julia Etzkorn, owner of Plan on Jules Special Event Planning & Rental in Lima, says the amount of work she takes on depends on the brides needs. I do as little or as much as the client wants, from start to finish, Etzkorn said. If they just want the initial consultation, or to swap ideas and get feedback we can do that. I can rent things for them or help with the decorating, set up and tear down whatning a wedding, focus often lands on bigger details. Etzkorn says its the small, personal details that make an event unique and memorable. I enjoy the small details. I love putting more thought into things like the table linens or some nice napkins with unique napkin rings, she said. If you pay attention to things like that, you dont have to put as much on the walls or ceiling and it gives it a personal touch. Spending more time on the little things makes it so you dont have to worry as much about the big things.

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I really try to find unique things for clients that you may not find around here, she said. I have several vendors I use nationwide and I do a lot of business others in Ohio. Brides are trying to find unique things, like favors for the guests. I try to personalize every event. As a special event planner, Etzkorn is ideally placed to discern the changing trends in the wedding circuit. Navy is a big color trend right now. Most weddings Ive seen lately, navy seems to be the color, she said. Paper lanterns are big now, too, as are the flower balls you hang from the ceiling. Another trend is uplighting. You can completely change the look of a room with lighting. It seems like

there are more and more fall and winter weddings now. It seems like Im more busy in the summer, so thats still wedding season for me but I dont think theres really a set season anymore. It really depends on the couple. In addition to weddings, Etzkorn has planned everything from graduations and birthdays to anniversary parties. Etzkorn has yet to plan any destination weddings but says she is up to the task. No destinations yet, but Im open to them. I will drive wherever you want me to, she said. Recently, I planned a 50th anniversary celebration for my parents. They renewed their vows on a beach in South Carolina. Etzkorn has been in business for three years but she began helping out with weddings and event planning long before that. Ive always done it as a favor for friends and family but its been three years for the actual business, she said. The first wedding I planned officially was particularly special for me because it was for my nephew, who is really like a baby brother to me. Etzkorn, originally from Delphos, runs Plan on Jules out of her home in Lima, where she lives with her husband Nick and their two children, Isabella and Mason. Plan on Jules contact information can be found on Facebook.

Honeymoon encore:

The big move in

(BPT) - It may come as a surprise to young engaged couples, but the excitement of the wedding and honeymoon doesnt end when its all over. In fact, after the honeymoon, its time to roll up your sleeves and plan the big move - the joining of two households. Its a herculean task finding the perfect location with great schools, affordable taxes and good neighbors. But once youve signed on the dotted line for the home where you will begin your life as a couple - and maybe also raise your family when the time arrives - youre ready to plan your big move. Many newlyweds face the chore of merging furniture, kitchen equipment and closet space from two households. To start your moving process off on the right foot, consider eliminating duplicate items and having a garage sale, or donating items, before beginning the packing process. Its a great chance to upgrade household furnishings - especially if you received something new as a wedding gift. Then determine what size moving truck youll need. A good rule is to plan for 150 cubic feet of space for every fully furnished room. Many young couples moving from a small apartment or condo into a larger first home will find a 12- or 16-foot Penske rental truck more than adequate. Plan to reserve your truck at least two weeks in advance. Penske Truck Rental offers rental discounts for AAA members to help young couples with savings. For help in making moving day go smoothly, use these tips from Penske. Theyve been in the do-it-yourself moving business for more than 40 years: * Still unpacking your wedding gifts? - If space isnt a concern, keep those wedding gifts in their original boxes, because the store packaging will help protect the items. But if space is tight in the rental truck, throw away the store packaging and carefully repack in your moving boxes - with plenty of padding to protect your new gifts. * Start early and group items together - Get good, sturdy boxes of various sizes, and then fill them with items of similar use, size or design. Some traditional ways to group items are by item type (i.e. photo frames) or by contents of a room. Label each box with the room name, and the contents. Make sure you have plenty of packing bubbles or towels and cloths on hand to keep breakable items from being damaged in the move. * Save your muscles - Ask friends to help you with carrying boxes. If something is heavy, enlist some help to prevent injury or strain on your muscles. * Loading the truck - Load the largest items (i.e. bed, couch, dresser) into the truck first to ensure they will fit, and then start loading the heaviest boxes on the bottom and lighter boxes on top. Having each box labeled with contents will help prevent you and your friends from packing heavy books on top of your new fine china wedding gifts. Penske features an online Truck Wizard application to assist. When you cross the threshold of your new home the first time as a married couple, youll be surrounded by the excitement and energy of so many adventures to come in your future. Carefully unpack your moving truck, cherishing the memories of your personal belongings as you meld them to fit into your new home and life with your new spouse.

Page 2 Page 4

Page 3

table of contents
Wedding Planner The big move in The top ten wedding to-dos Trying on gowns One-of-a-kind ideas for an unforgettable wedding Five questions to ask before you tie the knot

June 2013 Wedding Guide 3

Page 5 Page6 Page 7 Page 8

The wedding shoe trent for everyone pain-free and pretty

Page 10 Bridal trends transform grandmas china from vintage to vogue Page 14
Tips and trends to create the wedding of your dreams for less

Page 15 Money and marriage: Tips to achive financial happiness

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correct size. If you will be wearing a petticoat, also have the right size available. * Go without face makeup when trying on gowns so they remain clean. * to wear your hair similar to the style you have in mind for your 4 Try June 2013 Wedding Guide

* Its best to limit the number of people with whom you shop to 1 or 2 trusted friends or family members. An entourage can be confusing. * Its always better to order a slightly larger gown and leave room for alterations if you are between sizes. (MS)

Did you know ...

According to the United States Census Bureau (USCB), more than 2 million couples get married each year in the United States. The average bride is a shade over 25 years of age, while the average groom is nearly 27-years-old. In a nod to the changing nature of society, one-third of those getting married each year have been Flowers For All Occasions married before. Thats notable to those who make 201 Fourth St. PO Box especially 456 201 E. Main St. 301 W. High St. a living Ottoville, providing wedding services, be it reception halls, videog Ohio Ottawa, Ohio Lima, Ohio raphers, photographers, or others who make their living in the 419-453-6506 419-523-6506 419-228-9883 wedding industry. Thats because the average wedding budget is 621 W. meaning Sycamore St. 121 S. Main St. and grooms roughly $20,000, weddings, even for brides Columbus Grove, Ohio Bluffton, Ohio who have been down the aisle before, remain a costly expense for 419-659-2106 419-358-4040 the participants and a lucrative venture for those in the industry.

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In fact, $72 billion is spent on weddings each year. To put that in better perspective, consider REHEARSALS, BANQUET FACILITY that only $8 billion per year is spent on honey - date by which you RECEPTIONS, well as the He has finally proposed? AVAILABLE moons, meaning brides and grooms are liable OR ANNIVERSARY need to receive replies. Being Then your top priority is to do SEATING UP TO 90 to spend nine times more on their wedding than PARTIES clear about this will help a bit of bragging and tell everythey are good on their honeymoon. June and August OWNERS: you save a lot of precious one the news! Once your TODD LAUDICK remain the months of choice for ceremonies, asmoney. Be sure to time and initial excitement has calmed KARL MILLER more weddings in June and August than include stamped, addressed down a touch, occur though, youll any other month. while July is the third most envelopes if you can.popular have to take timeHowever, to do some month to walk down the aisle, September and even October 206 S. Broad St. one serious thinking. There are so 3. The reception hall is often are Kalida, OH 45853 becoming increasingly the Association for of the to biggest expenses, so be many details to plan, a popular budget according Wedding Professionals International. (MS) sure to reserve one as quickly to draw up, and deadlines to be as possible. If you want to met: it seems so overwhelming. keep expenses down, think If you are finding it hard to get about holding the reception at some traction and launch your a family home or in a garden. wedding planning, here are ten tips to give you some direction 4. Creating a good atmosphere is just as important as choosand help you get moving. ing a caterer, although you All rooms have refrigerator, HWY 30 & US 127) dont want tomaker, skimp on food 1. (JUNCTION Establish your budget per microwave, coffee hair dryer VAN WERT, OH 45891 To cut costs, consider guest. In fact, this is the per& either. iron. Meeting rooms available. serving fewer courses, with fect time to draw up your FREE WIRELESS a focus on excellent quality guest HIGHlist. SPEED INTERNET * Spacious insteadand of quantity. 2. Order your invitations, HEATED INDOOR POOL being 5. Make up or order wedding careful to include your names, Beautifully Decorated SUITES WITH WHIRLPOOL favours for your guests. These the date, time, and place of EXERCISE ROOM * Catering & Bar Service the wedding See TO-DOS, pages 12-13 FREE HBO and reception, as

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Many brides-to-be look forward to the day when they visit a bridal salon and are able to try on gowns for the first time. There are certain tips that can make the day go much more smoothly and potentially reduce the amount of time it may take to find the perfect gown. * Wear a supportive, well constructed strapless bra or corset in your correct size. If you will be wearing a petticoat, also have the right size available. * Go without face makeup when trying on gowns so they remain clean. * Try to wear your hair similar to the style you have in mind for your wedding. * Note that the size of the wedding gown you will wear is typically one to two sizes larger than your day-to-day clothes. Proper measurements can be matched to designers size charts. * Its best to limit the number of people with whom you shop to 1 or 2 trusted friends or family members. An entourage can be confusing. * Its always better to order a slightly larger gown and leave room for alterations if you are between sizes. (MS)

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6 June 2013 Wedding Guide January 2013 Wedding Guide 17

One-of-a-kind ideas for an unforgettable wedding

ments of your event, from the invitations to the programs to your aisle runner and toasting flutes. Imagine your logo as your cake topper or delicately weaved into the design with fondant. The possibilities are endless. You may be thinking that a wedding logo sounds amazing, but its probably time-consuming and expensive. No worries - the personalization experts at Things Remembered will do all the work for you. Youll get a customized logo (available in several digital formats) that can be used in dozens of ways. And its free with any qualifying bridal purchase - perfect for any wedding budget. Spice up your guest book Its tradition to have your guests sign in at your wedding. But how can you turn it into an experience? Get a big, blank-paged guest book with plenty of room inside. Engrave your names and wedding date on the cover. Then grab some props that fit your weddings theme and rent a photo booth. Its time for everyone to strike a pose! Who doesnt love play-

ridal

reat

lopes

e usher

ut the

From the proposal to the tage and well engrave: Stacy, wedding party gifts to the pho- Will You Marry Me? on it. Following the Honeymoon tographs, heres how to make When she says yes, fill it n Open wedding gifts and accurate list of the beach as a your special day stand out keep anwith sand from each guest in correspondence with their gift. keepsake. (BPT) - Mark personalized knew he hand-written As details foryou thecards. upcomn Write thoughtful, thank wanted to marry his girlfriend, ing nuptials were set, Mark Stacy, but he didnt know how and Stacy added an engraved to pop the question. The pro- wine charm displaying their posal had to be memorable, wedding date. And when the unique, and meaningful for day finally arrived, the couple just the two of them. A cozy was able to use the very special picnic on their favorite beach, bottle to adorn their head table. BRIDAL surrounded by soft sand and Want to make your wedding cresting waves sounded per- moments as one-of-a-kind OPEN HOUSE as fect. Mark just needed that one Mark and Stacys? Here are Jan. ideas 27 to final detail to make saying I some Sunday, unique wedding do irresistible.inspire you.2-5 pm Mark decided to ask his Capture the look of your friend Travis, a store manager love with a custom logo at Things Remembered in CloAre you classic and sophisvis, California for ideas. Mark ticated, modern and chic, or told Travis about his beach casual and whimsical? Whatproposal. As soon as he men- ever your style, you can design tioned his girlfriends love of a logo that captures that unique wine, Travis suggested, Bring spirit. Use it to seamlessly tie in a bottle of her favorite vin- together all of the many ele-

s.

ing around with different looks while a camera captures the moment?Your guests can keep a few photos for themselves, plus paste favorites into your guest book along with their personal messages. Its much more fun than a simple signature! Take your wedding gifts up a notch - personalize them When she was younger, Kristen, a bride-to-be in Minnesota, loved taking walks with her father after dinner. It was their time to catch up and share stories. For her special day, she wanted to give her dad a gift to remind him of those moments. She bought a frame ready for a photo of the two of them walking down the aisle. On it she engraved, Of all the walks weve taken together, this one is my favorite. Its a gift her dad will never forget. The best way to share your love and gratitude is to give personal, one-of-a-kind gifts See IDEAS, page 9

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June 2013 Wedding Guide 7

Five questions to ask

before you tie the knot

(BPT) - Im so lucky Im marrying my best friend, is a phrase you often hear in wedding toasts. Now that youve found the person you want to spend the rest of your life with, make sure you protect each other by considering the bigger financial picture. According to Wedding Paper Divas, 47 percent of engaged couples spend between one and nine hours per week planning their weddings, but its unlikely that much of that time is spent planning for life after the big day. Getting married is the perfect time to take a fresh look at your entire financial picture, including your insurance needs, says Doug Smith, senior vice president of the Personal Lines division at Erie Insurance. Its much better to plan before the wedding so there are no surprises later. Here are five key insurance questions to discuss with your spouse-to-be before taking a walk down the aisle: Wheres my bling? Chances are you spent a lot of time and money picking out rings youll love and wear every day. But according to asecurelife.com, one in 36 homes in the United States will be broken into this year, so its important to make sure you have the right insurance to cover your rings if theyre lost or stolen. Your strategy: Have your rings appraised to establish their value. Keep your store receipts and take a picture of the rings. Having pictures and documentation helps speed up the claims process if you have to file a claim. Also, keep your rings in a safe deposit box when youre not wearing them. Baby, can you drive my car? Once youre married, your spouse generally will be covered on your auto insurance policy and vice versa. This could mean opportunities for savings. Your strategy: Once you become a two-car home, you may be eligible for a multi-car discount. You should also consider bundling your car insurance with your homeowners and/or life insurance which can result in even more savings. Additionally, some insurance companies offer a lower rate for married couples, so talk to your insurance agent to find out if this applies to your policy. Have you protected the things that make your house a home? Are you planning to move into a new home after the honeymoon? Whether or not your living situation changes, make sure your home and belongings are protected. Your strategy: Consider what new pieces will be added to your abode. If you purchase new furniture, art pieces or any other new belongings, its a good idea to make sure those items are covered in case of theft, fire, or natural disaster. Youll also want to make sure your home insurance covers 100 percent of the cost to rebuild your home if needed. Do your research, says Smith. Some insurance companies cap their coverage at a certain amount. That means you could find yourself substantially underinsured, even if you thought you were paying for so-called replacement cost insurance. What do you need to do before plunging into a remodeling project? Even if youre not purchasing a new home, two people in a house means you need more space, so you may be adding on to your existing home. This can mean workers doing potentially dangerous jobs in the home. Your strategy: When you hire a contractor, request a certificate of insurance to confirm their liability and workers compensation coverages. Review the certificate and your homeowners policy. Have you thought about life after you say I do? See KNOT, page 11

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8 June 2013 Wedding Guide

The wedding shoe trend for everyone

(BPT) - Sparkles, spangles and color, new or vintage, whatever your preference in wedding shoe styles theres one trend that every bride should get behind: comfort. Pretty flats and even tennis shoes have been gaining popularity among brides for several years, and while those styles may not be to everyones taste, the concept of comfortable wedding shoes is good for everyone, says Dr. Crystal Holmes, a doctor

pain-free and pretty

of podiatric medicine (DPM) and spokesperson for the American Podiatric Medical Association (APMA). While an APMA survey indicates that most women do emphasize comfort over looks when choosing dress shoes, brides may consider comfort less important than style on their big day. Brides may think that since theyre only wearing their wedding shoes for a day, it doesnt matter if See TREND, page 11

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Ideas

June 2013 Wedding Guide 9 (Continued from page 6) you? A new service at Things Remembered called iEngrave lets you personalize your gifts with your own handwriting. Write out your message as only you can and iEngrave will take care of the rest. Your friends and family will never receive another gift so unique. For more information on custom wedding logos, iEngrave and other personalized wedding day gift options, visit www.thingsremembered.com.

that are made just for the ones you love. Add a meaningful quote to a pocket watch for your best man or personalize a bracelet with your maid of honors favorite song lyrics. Flower girls will love seeing their monogram on a customized keepsake locket, and ring bearers cant help but show off their first engraved ID bracelet. And what is more personal than a message written by

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10 June 2013 Wedding Guide

Bridal trends

transform grandmas china from vintage to vogue

(BPT) - New brides are transforming something old into something new. Thats according to the latest bridal tabletop trends. While in recent years brides have been registering for casual dinnerware, lately industry experts are seeing brides returning to fine china. Sales indicate theyre opting for porcelain and bone china, which are more durable than stoneware because these mediums are less likely to chip. White patterns continue to be strong bridal sellers, ranging in shades from pure white to ecru, with gold trim making a resurgence among millennial brides. But in an emerging trend, observers are finding vintage is vogue. Brides are embracing heirloom patterns for a number of reasons, says Keith Winkler, product marketing manager at Replacements, Ltd. First of all, theres a strong, emotional connection to those inherited pieces because it ties them to family and tradition. At the same time, vintage is huge throughout the fashion industry, and thats impacting dinnerware trends. Brides are hanging onto Grandmas china, but theyre also looking to give family treasures a more contemporary spin. John Griffith oversees the visual merchandising team at Replacements, known as the worlds largest retailer of old and new china, crystal, silver and collectibles. He often hears from brides needing help transforming family treasures. It doesnt matter whether inherited dinnerware is decades old, patterns are timeless through the magic of mixing and matching, says Griffith. I suggest using your heirloom pattern as a starting point, then mixing in various colors, shapes and even other medi-

Adding current crystal and white dinnerware transforms this 80-year old Wedgwood pattern. ums such as glass or acrylics. By creating a sort of retro remix, you can dress up your sentimental favorite for formal entertaining, or just as easily dress down your tableware for a casual evening with friends. For example, Griffith says mixing in square salad plates with round shaped dinnerware creates art deco flair. Mixing different colored plates or glass can open up an entire new color palette. Hes adamant; dont be afraid to be bold and try something new. I recently had a customer come in with an heirloom goblet she wanted to match, he says. We didnt have any pieces in her pattern, so I instead zeroed in on a design element with the goblet, in this case the stem style on the glass. I added in four additional crystal patterns, all with a similar stem design. By matching that particular design element, we created a really elegant, contemporary look. Griffith leads design seminars on creating trendy tables at the companys retail store. Many of his insights appear on Replacements YouTube channel and Facebookpage at www.facebook.com/Replacements. One challenge brides often encounter with heirloom pieces lies in the fact family members sometimes forget the name of the pattern. Griffith suggests taking advantage of Replacements free pattern identification service. Additional information is available on the companys website, www.replacements.com.

Trend

June 2013 Wedding Guide 11 (Continued from page 8)

a touch of height without placing undue pressure on the ball of the foot that higher heels can cause. They also tend to be a bit wider than the average heel, making them more stable and comfortable. Platforms and wedges Towering platforms and wedges provide height, style and endless options. But wearing these higher styles requires brides to take extra caution. Platforms and wedges may compromise your balance and stability, and very high shoes can lead to ankle rolls and falls. Look for lower platforms and wedges that feature secure ankle straps. Cork bottoms provide some shock absorption and traction. Peep toes - Popular among brides who want to show off their pretty pedicures, peep toes range from towering heels to functional flats. Regardless of heel height, peep toes may cause your toes to slip forward or overlap, or may even push nail edges into the skin to form an ingrown toenail. Avoid peep toes that are too tight, and be sure they are free of seams near the toe area, as seams place further pressure on toes. Sling backs - Showing a flirty flash of heel, sling backs are dynamic and sexy - perfect for walking down the aisle and kicking up your heels during the reception. Look for a sling back with a lower heel that will be more comfortable for extended wearing. Straps should be snug but not too tight to avoid chafing on the back of the heel. Too loose straps may cause the shoe to slip off your foot, so a proper strap fit is important. Whatever style you choose, some advice is universal: * Very high heels place pressure on your feet, shifting your entire body weight. If you plan to wear your heels throughout the entire ceremony and reception - likely more than two hours - consider choosing a heel of no more than two inches. Or, save the very high heels for the ceremony and switch to a lower, more comfortable heel for afterward. * Brightly colored or patterned wedding shoes are in vogue now, and while color doesnt affect comfort the material might. Materials that provide stability and stretch may be better for your feet. Avoid plastic, vinyl and other materials that dont allow feet to breathe. * Shoes should have a flexible sole that allows toes to bend naturally when you walk and a rigid, cushioned heel counter to keep the foot in place inside the shoe. * Inserts are a great way to help cushion heels, arches and the balls of your feet. Its easy to find inserts that work with virtually any style of wedding shoe. * When shopping for your wedding shoes, keep in mind that - like any shoe - they should be comfortable immediately. Never buy uncomfortable shoes thinking that youll break them in. And shop for your bridal shoes at the end of the day. Not only do most weddings take place later in the day, your feet swell to their largest in the evening. Buying your wedding shoes at that time of day will ensure you get the best fit.

the shoes make their feet hurt, Holmes says. But shoes that hurt your feet can cause longterm problems, and make existing ones even worse. Sore feet can put a damper on your wedding, reception and even honeymoon. The APMA offers some advice for choosing the most comfortable options in some popular wedding styles: Pumps - A classic wedding shoe, bridal pumps come in a wide variety of styles, colors and heights. When choosing a pump, be aware that pointy shoes place pressure on the toes and can aggravate problems like hammertoes and bunions. Choose pumps with deep, wide toe boxes that give you plenty of room to wiggle your toes. Keep in mind lower heels are better, especially if youll be in your wedding shoes for several hours. Ballet flats - Flirty, feminine and fun, ballet flats can feel more comfortable than heels. But very flat shoes can actually be harmful to your arch and heel. Opt for a flat that has a bit of a heel, a thicker sole, and plenty of cushioning and support. Avoid flats that bend in half or easily twist. Kitten heels - When it comes to good looks and footfriendly design, kitten heels are the cats meow. Typically lower than one inch, kitten heels add

Knot

(Continued from page 7)

When you get married, you may become part of a dual-income household. When this happens, you plan your future based on a new budget created by two incomes, which brings increased financial responsibility. Should something happen, surviving family members could struggle without the right level of protection. Your strategy: Make sure your spouse is protected if one income is lost. Universal life insurance provides insurance for your entire life and builds a cash value. Term life insurance provides affordable coverage for a set number of years. Some websites, including erieinsurance.com, offer online calculators to help you determine how much insurance you need. As you begin to build a nest egg, you have more assets to protect. A personal umbrella policy provides extra protection for you and your family against lawsuits arising from personal injury or property damage claims. While its important to plan for rain on your wedding day and to make sure everyone has a place card, its even more important to plan for what comes after the moment you say I do. Making the proper insurance and financial arrangements will be a load off your mind if something should arise.

12 June 2013 Wedding Guide

To-dos
Delphos, OH 45833 Fax 419-695-9930 www.aeroprinting.com

(Continued from page 4)

you plan to make a speech at the reception, be sure to get that down in writing as well. 9. Plan the reception down to the last detail: create the atmosphere you like with suitable music, entertainment, and a dcor that matches your personality. (Dont forget to decorate the bathrooms, a place everyone will see at some point!) 10. Organize your honeymoon so that you can celebrate your new life together. And while were talking weddings, here are a few other tips to keep in mind: - Avoid giving important jobs to the parents of the bride and groom unless they really want to be involved that way. Instead, let them enjoy being with the guests. - If you intend to create a gift list, be sure to put it on the Internet so that it will be eas-

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are put with their place setting or offered at the end of the reception. Let your imagination run wild: you could offer small homemade soaps, candles, local produce in mini format, bath pearls, or small boxes of candies. It can also be fun to have a retro favour, such as a pack of matches with the bride and grooms names embossed on the matchbook cover. 6. Give yourself enough time to find a wedding gown that really suits your personality. It is also possible to rent a dress for the occasion, much as your beloved can buy or rent his tuxedo. 7. Book your hair, make-up, esthetician, and manicure appointments several weeks before the wedding. If possible, plan a test run. 8. Put all your heart into writing down the vows that you would like to make during the marriage ceremony. If

June 2013 Wedding Guide 13

ily accessible to everyone. - If small children will be at the reception, plan to have a space available where they can play and a quiet room where they can sleep. - Take photographs of your hair and makeup test runs so you can choose the perfect combination when youre well rested. Prepare a make-up kit

for any touch-up jobs on your big day. - Leave a guest book at the entrance of the reception hall. Its a great souvenir to keep, along with your photo album. - Leave a disposable camera on every table so that guests can record magical moments during the reception.

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14 June 2013 Wedding Guide

Tips and trends

(BPT) - When it comes to the big day, you want a wedding that suits you and your fiance perfectly, whether its a casual outdoor affair or a formal black-tie event. One thing every couple can agree on is that planning a wedding shouldnt be stressful. A few insider tips and trends of 2013 will help you plan the wedding of your dreams without undue stress. Start by utilizing online resources. Planning months in advance can help ensure you get every detail perfect for your dream wedding. A variety of helpful online resources will provide everything you need. -For the latest trends without the extra cost, renting has never been more in vogue. Helpful sites like RentalHQ.com-from the American Rental Association (ARA) have everything

to create the wedding of your dreams for less

you need to create your dream wedding. From choosing your china and linens to finding the latest decor and color options, its a great planning resource. Brides remain stress-free because many ARA rental stores offer complementary professional assistance for wedding equipment rentals, helping you plan all the intricate details for your big day. Next visit Brides.com, the online website for Brides magazine, which has a plethora of informational articles as well as info on the latest bridal trends. From tips on choosing the right dress to a beauty calendar checklist for up to 12 months before the big day, its a fantastic resource for staying organized. For the do-itherself bride, Pinterest.com is a great resource for finding unique decor and ideas to make your wedding completeJune 2012 Wedding Guide 3

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ly you. When youre feeling stumped about some aspect of planning, Theknot.com is sure to inspire. Start by learning your personal wedding style - are you modern, vintage or offbeat? Then jump into learning about color schemes, fashion, honeymoons and more. MyWedding.com is a helpful resource also, with a variety of planning tools, insightful guides and the opportunity for couples to create a free website about their wedding. Want to know some of the top bridal trends of 2013? From color to cake, brides today are thinking outside the box. Here are some top trends to consider: Color: When it comes to colors theres no need to be coy - top trends of 2013 are bright and bold. From ruby reds, rich blues, vivid violets and sunshine yellows, splashes of color liven up your decor and create a memorable atmosphere. Its easy to seamlessly incorporate a fun color without going over the top when you rent - consider renting runners, centerpieces and even stemware in the color of your choice. Dessert: While traditional brides may prefer a multilayered wedding cake, many others are taking a fun approach to desserts. Do you and your honey love apple pie? Place

homemade apple pies on each table. Have your first date at an ice cream parlor? Set up an ice cream bar with a variety of toppings for guests to create their own sundae. You can rent all the extras to create an authentic ice cream shop atmosphere. Go virtual: Its unlikely that every guest you invite will be able to attend, so now technology is bringing people closer together no matter where they reside. Couples with guests who live far away or family who arent able to attend are now sharing their special day by live-streaming the ceremony and reception. Guests can then attend the wedding virtually. Bouquets: Flowers are beautiful, but creative brides are taking a fresh look at traditional bouquets. Adorn your blooms with gems or feathers for a stunning accent as you walk down the aisle. Or, skip flowers altogether and create a family heirloom - gather vintage brooches from friends and family and make a sparkling jewelry bouquet with supplies from your local craft store. Whatever trends you decide to incorporate into your big day, renting your dream wedding supplies rather than buying is a wise decision. Youll get the latest trends at an affordable price.

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Money and marriage:

(BPT) - Fights over finances are a commonly known cause of stress and divorce, and a new survey indicates that while the average couple fights over money five times a year, they discuss finances reasonably fewer than two times a month. Every couple knows there are some topics you just dont bring up - his mothers dreadful cooking, your uncles bad manners. Money, however, should never be among those subjects you dont discuss - especially if youre planning your wedding. In todays economy, its rare that a couple enters matrimony debt-free, notes Carrie Braxdale, managing director of investor services for TD Ameritrade, Inc. (TD Ameritrade), a broker-dealer subsidiary of TD Ameritrade Holding Corporation. Yet many newly engaged couples may be as hesitant - or even more so - to discuss finances as couples who have been together for years. They can get a jump-start on a lifetime of wedded bliss, however, if they take time to talk frankly about finances before they walk down the aisle. The survey conducted by TD Ameritrade Holding Corporation and LearnVest, found that couples today face three top concerns when it comes to their finances: Not having enough money to retire (27 percent), not having enough money to live as they wish (25 percent), and not having enough money to even live comfortably (24 percent). Trust over money also emerged as a big issue. Forty percent of respondents do not completely trust their partner to manage their combined finances. Just over one in five (21 percent) admit they sometimes hide their spending from their partner. Thirty-eight percent say they are either unaware or only partially aware of their mates debts. Perhaps they feel that ignorance is bliss. Braxdale offers some advice to couples looking to take control of their finances and learn to talk effectively about money: * Be open about debt before you say I do. Keeping secrets about how much you each owe on student loans, credit cards or auto loans is no way to start off a marriage. While talking about money might not be the most romantic conversation you ever have with your intended, its one of the most important. * Check your credit scores. Youll both keep your own score after youre married, but purchases you make as a couple afterward like a house or car - can be affected by both your scores. Check your scores at least once a year; doing so can help you catch and correct errors or fraud, and help you better manage your credit and overall finances. * More people are marrying later in life, so

June 2013 Wedding Guide 15

Tips to achieve financial happiness

one or both partners may enter the union with a 401(k), IRA or other investment accounts. Its important to discuss long-term retirement savings goals, and understand how you both plan to manage these accounts. Websites like TD Ameritrades Life 2.0 and Retirement Planning can help by offering access to free resources like retirement calculators and portfolio planners. Youll also find information on making financial decisions that can help you meet your financial goals, whether youre just starting out in your life together, growing your family or approaching your retirement years. * Get to know each others saving and spending habits. One partner may be frugal and the other more of a spender, but arguments dont have to be inevitable. Youll need to discuss your habits and work together to find spending and saving solutions that work best for both of you, and for your shared financial goals. * Build a budget that incorporates savings goals, income and expenses. Discuss whether combined or separate bank accounts make the most sense for you, and be sure your financial goals are in sync. Open discussions about money, credit, retirement savings and financial health are an important step toward a healthy relationship, Braxdale says.

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32 Winter WeddingGuide Planner 16 June Wedding 16 2010 June 2012 2013 Wedding Guide