Wedding Planning Articles
by
Glenna Tooman

Because many brides have questions about planning their ceremony and reception, Glenna has written a number of articles that answer commonly asked questions.  Many of these articles have been published in wedding-related newspapers and magazines.  You will also find some of them posted on web sites for whom Glenna writes.  Some of the most popular articles are presented here to make it easier for you to quickly access the information.  We hope that you find the information useful and that it helps you with your wedding planning.  If you have a question for which you are having trouble finding an answer, send us an e-mail and we will try to help.

After the Wedding....Clean Up Tipping Wedding Merchants
Etiquette for Wedding Guests Planning Your Event From a Distance
Premarital & Living Together Agreements Wedding Cake Do's and Don'ts
Planning a Vow Renewal Ceremony Including Step Children in Wedding Plans
Planning Your Honeymoon Wedding Insurance - A Good Idea or a Waste of Money?
Wedding Planning for the Older Bride Plan a Green Wedding and Help the Environment

After the Wedding - Cleaning Up

The reception is over; the bride and groom have left for their honeymoon.  Now, who is going to clean up after the reception?  If the bride and groom didn’t specifically appoint someone, it may not get done, since everyone thinks that its someone else’s responsibility, so no one does it.

If you are holding your reception at a facility that provides clean-up services, you are fortunate.  However, a few of the items below will still apply to you.  Most churches and many   reception centers require that the bride and groom pay a cleaning deposit when the facility is rented.  The couple will forfeit the deposit if someone doesn’t clean up properly and in a timely manner.  Most facilities schedule activities on the day after a wedding, making timely and adequate clean-up imperative.

To insure that the facility is cleaned and that you get your deposit back, several days before the wedding ask someone to be in charge of clean-up activities.  Choose someone that you know will understand the finer points of cleaning.  Usually, a young, single brother does not have the same standards of cleanliness as a more mature aunt or an older friend or relative.  However, don’t ask the parents of the bride or groom to handle clean-up unless they specifically volunteer.  They will be tired after several long busy days and they will appreciate your thoughtfulness in choosing someone else.

The necessary cleaning activities may include the following:

  • Caring for the gifts

  • Removing decorations

  • Removing linens and centerpieces

  • Dismantling tables and chairs

  • Stacking rented items for pick-up or returning them to the rental center the following day

  • Cleaning the kitchen, including caring for left-over food and cake

  • Sweeping, mopping, and emptying trash

  • Checking rest rooms and dressing rooms for trash and personal belongings
    Turning out lights, turning off air conditioners, and locking doors

Be certain that the person in charge knows what you want them to do with decorations and other items.  Provide containers for decorations, particularly breakable ones, and for food.  If any decorations belong to the facility, note which ones.  Also provide information on how to handle rented items - when the items will be picked up and where they  should be stacked.  If you are uncertain of the facility’s policies, be sure to ask, and if possible, get a written list of cleaning instructions.  Most facilities will hold your cleaning deposit until they have had time to inspect the facility, then it will be returned.

Though clean-up activities take some of the glamour out of the wedding festivities, a few minutes spent delegating activities can save you money and headaches in the long run.

 © Copyright 2000 Glenna Tooman, Memory Makers Event Planning LLC; all rights reserved

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Etiquette for Wedding Guests

Much is written about etiquette for the bride and groom, but little is mentioned about etiquette for wedding guests, yet the conduct of guests can create unnecessary stress before the wedding and on the wedding day.  Following are things for wedding guests to consider that will make the wedding experience more pleasant for everyone involved.

  • Return response cards in a timely manner even if you do not plan to attend.  The bride and groom must give their caterer an accurate guest count and they need the response cards to do so. Do not assume that your children or a date are automatically invited if their names do not appear on the invitation.  Many venues, not to mention budgets, are not large enough to accommodate unlimited numbers of guests.
     

  • Dress appropriately.  If the ceremony will be held in a church or at a country club or private club, guests may not be able to wear sundresses, short skirts, shorts, and other revealing or casual attire, including baseball caps.  Do not wear a cap, jeans, or shorts to any wedding except a very informal outdoor gathering. Some facilities have dress codes and you may be refused admittance if your are dressed inappropriately.

  • Arrive on time.  If you are late and the processional or ceremony has already started, take your cue from the wedding coordinator or church coordinator.  They will allow you to enter when there is an opportunity to do so.  If the processional is in progress, don’t interrupt.  Instead, wait until the wedding party has entered, then quietly slip in a side door and choose a seat in the back.  Do not enter down the center aisle unless there is no other option. 
     

  • Do not take pictures during the ceremony.  Many churches do not allow flash pictures and you may disturb the ceremony.   The professional photographer is the only one who should be taking pictures and he/she will know the rules of the church or event center. 
     

  • At most ceremonies, the guests stand when the bride enters.  Take your cue from the mother of the bride or the officiant.   Remain standing until the officiant instructs you to be seated. 
     

  •  If you are unfamiliar with the rituals of a particular religion, take your cue from those around you.  In some denominations, guests stand or kneel at various times during the ceremony. During a Catholic nuptial mass, communion may be served to those in good standing in the Catholic Church. All others should abstain.
     

  •  When the ceremony ends, remain in your seat until the ushers dismiss you, or if there are no ushers, until the mothers of the bride and groom are escorted out.  Allow family members, who will be seated near the front, to exit first.
     

  •  If you bring young children, keep them under control.  If they become disruptive during the ceremony, take them out.   Many churches have a cry room with a window and sound so that you can still observe the ceremony.  During the reception, don’t allow the children to run wild.  Don’t expect the photographer, coordinator, or DJ to supervise them for you.  If your children cause damage, be prepared to pay for it.  Otherwise, the bride and groom will be held responsible and friendships could be ruined.
     

  •  If a buffet is served at the reception, don’t pile your plate full unless you are at the end of the line.  Be courteous of those who have yet to eat.
     

  • Don’t drink too much.  You are there to celebrate with the newly weds, not embarrass yourself and them.

    If each guest displays courtesy and thoughtfulness, the wedding day will be a smooth and enjoyable experience for the bride, groom, and everyone in attendance.

    © Copyright 2001 Glenna Tooman, Memory Makers Event Planning, LLC; all rights reserved

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    Planning a Vow Renewal Ceremony

    Having a vow renewal ceremony is a special way to declare your continuing commitment to your spouse before family and friends.  The ceremony can occur any time after your original wedding.  Couples who eloped or had a “destination” wedding may choose to renew their vows shortly after the original wedding at a gathering for family and friends who were unable to attend the wedding.  Others may choose to renew their vows on a special anniversary, such as the 10th, 15th, or 25th.  Some couples choose to publicly recommit themselves to one another after going through a difficult period in their lives.

    Because the couple is already married, there are differences between a vow renewal ceremony and a wedding.  Following are some of the differences to consider:
     

    • Since the ceremony is symbolic, not legal, a minister or judge does not need to perform it, nor do you need to obtain a marriage license.  You might choose to ask a father, grandfather, or special friend to perform the ceremony, thus making it very personal.

       
    • Personalize your vows if you have been married for a number of years.  You might mention occurrences during past years and hopes for your future together, giving special meaning to the occasion.

    • Since the wife is already married, her father should not “give” her in marriage.  He may walk her down the aisle, however, then place her hand in her husband's.

    • Because the wife is not a bride and the husband is not a groom, there are no bridesmaids or groomsmen in a vow renewal ceremony. Instead, if the couple wants to have attendants, they might ask their children, parents, or friends that have had a major impact on their lives to stand with them.  You might also ask your original wedding attendants to stand with you.

    • The length of time since the original wedding will dictate what the wife wears. It is not appropriate for a married woman to wear a blusher (a veil over her face), but she may wear a white dress.  if she was recently married, she might wear her gown and veil again.  However, if she has been married for several years, a wedding gown and veil would no longer be appropriate. Instead, a formal gown might be worn, or a dress, or even slacks if the ceremony is casual.

    • Since you exchanged rings when you married, the exchange of rings is not included in the ceremony unless the wife is receiving a new ring or an anniversary ring. 

    • It is inappropriate to register for gifts or have a shower.  Most guests will not bring gifts unless the vow renewal occurs immediately after the original marriage or on a "milestone" anniversary, such as the 25th or 50th.

    • If you have children, you may want to include them in the ceremony in some manner. 

    • Don’t use a vow renewal as an occasion to live out your fantasies of the dream wedding you didn’t have.  Instead, keep it simple and dignified and related to the length of time that you have been married.

    • Do display items from the original wedding, if possible.  If you were recently married, you might show the wedding video and photos.  Those who have been married for a number of years might display their wedding photos, play the original wedding music, or have a baker re-create the original wedding cake. 

    A vow renewal ceremony is a wonderful way to reaffirm your commitment and love for your spouse before family and friends.   The ceremony can strengthen your relationship as you create new memories together.

    Copyright © 2001 Glenna Tooman, Memory Makers Event Planning LLC; all rights reserved

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Planning Your Honeymoon

 Planning your honeymoon can be one of the most enjoyable parts of the wedding planning process as you dream of exotic locations, relaxing on the beach, or zipping down a snow-covered mountain on skis.  Planning should begin right after you become engaged, especially if a foreign trip is planned.  First, you will need to choose a destination.  Then, you should decide whether you want to plan the trip yourself or engage the services of a travel agent.  If planning a foreign trip or a cruise, it is highly recommended that you use the services of a travel agent who is knowledgeable about travel to the area that you plan to visit.  A travel agent will be able to make reservations at hotels or resorts, arrange for car rentals and other travel accommodations, and advise on foreign currency exchange, required vaccinations, local customs, and other important issues.  Travel agents also may have travel packages that are less expensive than planning a trip yourself. You can also find packages on-line, but be sure that the company is reputable and that they will deliver what they promise.

When choosing a honeymoon destination, remember that many places offer reduced rates during their off-season.  Ski resorts are great places to visit in the late spring, summer, or fall.  A visit to the coast can be planned for winter, spring, or fall if you don’t plan to swim or surf.  Not only will the rates be less, but hotels and resorts will be less crowded.

If you plan to travel outside the U.S., you will need to obtain a passport and possibly one or more visas.  The U.S. State Department provides information about most countries and their requirements on the Department’s Internet site at http://travel.state.gov/.  New travel requirements that will go into effect in 2006 require a passport to travel to the Caribbean and to Mexico and Canada by air or sea. In 2007 it will be necessary to have a passport to travel by car to Canada or Mexico.

 If traveling by air, reservations should be made well in advance in order to obtain the best rates. You will be required to provide photo identification when checking in, be certain to book your reservations in the same name as that on your ID.  This is particularly important for the bride.  Do not use your new married name on your airline tickets unless you carry your marriage license with you. 

No matter where you travel, be sure to leave an itinerary with someone at home who can find it quickly if necessary.  Include the names and phone numbers, if possible, of places you will be staying.  If traveling outside the US, leave a photocopy of your passports, visas, and driver’s licenses.  Also list the numbers of all credit cards and travelers checks that you plan to take with you.  That way, should a loss or theft occur, the information needed to report it can be quickly secured.   Also, place your name and phone number inside each piece of luggage as well as on the outside.  That way, if a luggage tag is lost, the airline can still locate you.  Since you will be traveling, you may want to use the phone number and/or address of a parent, your office, or someone that you know will be at home, should a bag be lost and an airline needs to contact someone immediately.

Planning the honeymoon can be an exciting time to explore locations and ideas, limited only by your imagination and your budget.  Whether you choose to take an exotic foreign trip or visit a nearby resort, you will want to begin planning early to be sure you get just the trip that you want.  Bon Voyage!

Copyright © 2001 Glenna Tooman, Memory Makers Event Planning LLC;  all rights reserved

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Premarital Agreements & Living Together Agreements – Do You Need One?

Nearly everyone dislikes the idea of creating a legal agreement to govern his or her relationship.  It seems to take the spontaneity and trust out of the relationship and reduce it to a business arrangement.   However, in some cases it may be the right thing to do.

First, let’s look at the difference between the two agreements.  Premarital agreements are created between two individuals who are planning to get married in the near future.  Living together agreements, also called property agreements, are created between two individuals who do not plan to marry immediately, but who may accumulate property together.   This can include same-sex couples and long-term roommate situations, as well as couples who choose to live together for an extended period.

Generally, a premarital agreement is a good idea when one or both parties bring property into the marriage, one makes a larger income, or one or both owns a business.   It becomes a necessity if children are involved.  The agreement will indicate the property owned by each individual before marriage and how property purchased after marriage will be owned, managed, or controlled.  It may also cover such issues as how jointly incurred bills will be paid.

If one spouse has children or grandchildren, that person may indicate through the agreement (and a will) to leave the bulk of their estate to their heirs at the time of death rather than leaving it to the surviving spouse.  The agreement will also cover the details of any settlement or alimony, should the marriage end in separation or divorce.

The Uniform Pre-Marital Agreement Act is a federal law that provides legal guidelines for premarital agreements.  Agreements are usually enforceable in court unless it can be proven that one party was forced to sign the agreement against their will or that the agreement is written in such a way as to promote divorce, such as providing an unusually large settlement. 

Living together agreements also indicate the property that each party brings into the relationship.  They spell out how property jointly acquired during the relationship will be owned and what will happen to the property should the couple separate.  The agreement may also indicate how money will be handled (does each person handle their own; will they have a joint account; or some other arrangement).  If the couple later decides to marry, the living together agreement will no longer be valid and should be replaced by a premarital agreement.

Non-financial issues, such as who cooks dinner and who does the laundry, are not covered by either a premarital agreement or a living together agreement.  An attorney should prepare either agreement, since the simplest of mistakes can make the entire agreement void.

Though you may not like the idea of signing a premarital or living together agreement, having one could protect you and your assets if your relationship should end.

Copyright © 2002, Glenna Tooman; all rights reserved                                                                   

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Tipping Wedding Merchants

Couples are often confused when it comes to tipping merchants who work at their wedding. Merchants who do exemplary work, who put in extra hours, or provide services beyond what you expected may be tipped. Following are some general guidelines concerning tipping different types of merchants.

  • If you are working with a professional caterer, they will add a gratuity to your final bill, so an additional tip is not necessary unless they went above and beyond what was expected.  If you are working with a private or a very small caterer, they may not add a gratuity.  Be sure to check the bill, then tip accordingly.

  •  If you hire a private baker to make your cake, you may choose to tip them, depending on circumstances, such as the distance they travel to deliver the cake, the time involved in setting it up, and any extra work they might do for you. Check your bill first to find out if you have been charged a delivery fee or other charges.

  • Ministers charge for their services in a variety of ways.  Some have an established fee; others accept a free-will offering.  Be certain to find out how your officiant charges, then pay accordingly (and be generous).  Remember that you will probably meet with the person several times before the wedding and they should attend the rehearsal as well as the wedding.  Be sure to compensate them for the time they spend on your behalf, and, if your rehearsal and ceremony are held at a location other than the officiant’s church, for their gasoline as well.  If the officiant accepts a free-will offering, find out if a check should be made out to the person or to their church.  If the person refuses personal compensation, send a check to the church.

  • If you are using the services of a professional musician, you don’t usually need to tip. However, if a private individual is playing for the ceremony and/or reception and they do not charge a set fee, then be certain to compensate them for their time. If the person is a family friend or relative, you may choose to give them a gift certificate instead of money.

  • Wedding coordinators are often tipped. They will have spent a number of hours on your behalf that you may not be aware of nor have been billed for, such as making and receiving telephone calls (including long distance calls), sending and receiving faxes, answering e-mails, and dealing with merchants on your behalf.  A tip is a good way to show them that you appreciate all of the work they have done to make your wedding successful.

  • Those who clean up after the reception may be tipped, depending on the circumstances. Some facilities have paid staff that handles the clean-up; other facilities expect you to do your own clean-up.  If you leave a mess behind for someone else to clean up, be certain to tip liberally.
     

  • Limo drivers may be tipped, particularly if the driver is not the owner.

  • Hired bartenders usually include a gratuity in their bill and they may place a bowl on the bar to receive tips from your guests. If a friend offers to tend bar for you, they should receive some type of payment for their services. A gift or gift certificate may be more appropriate than cash, however. If you do not want a bartender to accept tips from your guests, be sure to tell them.

  • Anyone who helps in a special way with the ceremony or reception should receive some form of acknowledgement for their efforts, including family members.  A gift may be more appropriate than cash if the person is a close friend or relative.

    When in doubt about whom to tip, ask your wedding coordinator.  She can tell you what is appropriate in your area.  Even if you do not give a tip, be certain to send written thank-you notes to those who helped make your day special.  Too often, merchants hear the complaints, but they don't always receive the thanks.

    Copyright  © 2001, Glenna Tooman; all rights reserved

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    Planning Your Event from a Distance

    Your parents will soon celebrate their 50th anniversary and you want to have a party for them, but they live 1,800 miles away.  Perhaps you want to get married in your home town, which is half way across the country, or in the Bahamas.  You would like to have a family reunion in a location that is convenient to everyone.  These scenarios and similar ones occur frequently.  You can plan an event by long distance, but it takes time and effort and you may need assistance. 

    The best way to plan a successful event by long distance is to hire an event planner who is located in the area where the event will occur.  A good planner will be familiar with the local market and will be able to help you make choices that fit your needs and your budget.  He/she will do the leg work and narrow the choices, then you can make the final decisions.

    To find an event planner, check with the chamber of commerce in the city where you will hold your event.  Also make an internet search.  If you have already booked a venue for your event, the sales manager may be able to recommend someone or they may have an event planner on their staff.  This is particularly common in locations where destination weddings regularly occur.  If the city where your event will be held is small, check the nearest larger city to find an event planner that will travel to your desired location.

    Once you locate a planner, interview the person either by phone or e-mail.  Ask for references and check them.  Get references from both past and/or current clients and from local merchants.  Photographers, caterers, and other merchants will have seen the planner in action at a number of events, so their comments may be more revealing than those provided by carefully selected past clients.   

    Your event planner should have e-mail, fax, a toll-free phone number, a computer, and a scanner.  If you need help selecting a venue for the event, the planner can narrow down the choices, then direct you to web sites with photos and booking information or he/she can take photos and scan them in for you.  Menus and contracts can be faxed to you.   

    Most event planners will not sign contracts or pay deposits for you unless you give them an advance payment against which funds can be drawn.  Therefore, once you decide on a venue or a merchant, you may need to provide a credit card number or a check directly to the merchant.  (Be careful about giving money directly to a planner unless you feel very comfortable with the person and you have some guarantees that the money will be used to pay your merchants.)

    The planner may or may not be present at your event, depending on your needs.  If you are planning a one-day event, such as an 80th birthday party or a wedding, then the planner should be there to oversee activities both on the day of the event and the wedding rehearsal.  If you are planning a multi-day event, such as a family reunion, the planner may not need to be present throughout the event as long as all of the arrangements have been made and the planner can be easily contacted in case of problems.

    Hiring an event planner to help you with your out-of-town event will save you time, money, and stress.  The planner’s knowledge of their local market and her/his contacts can help you create a lovely event with a minimum of hassle and stress.  Plus, your planner may be able to make suggestions for special services available in her area that you would not have otherwise known about, thus making your special event even more memorable.

    © Copyright 2004; Glenna Tooman, all rights reserved.  

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    Including Step-children in a Wedding

     According to the National Step-parenting Association, over 25% of brides or grooms have children from a previous marriage or relationship.  Bringing a new spouse into the parent-child relationship can be a challenge.  Children may feel threatened by the loss of their parent’s time and attention.  They may feel that they are no longer loved as much as they were previously and this can lead to resentment toward the new spouse. 

    By including the child in the wedding planning and in the ceremony, the parent and the new step-parent can demonstrate that they love the child and want to create a new family relationship.  The step-parent will be perceived as a supportive and loving person rather than an intruder.

    As soon as a couple becomes engaged, the children should be the first ones to be informed of the wedding plans. Don’t let them hear the news second hand.  If there is an ex-spouse, he or she will need to be informed as well and any necessary visitation arrangements made so the children can be present at the wedding.

    If the children are old enough, let them be involved in the wedding planning.  Take them shopping; let them help make decorations, favors, and other items. Ask them to be part of the wedding party. Let them have a say in choosing what they will wear.  Include older girls when having hair and nails done. If the child first refuses to become involved, that is okay.  They may need time to adjust to the idea.  Don’t force them, but instead let them set the pace.  Most come around in time.

    On the wedding day, the new spouse may want to make a vow of commitment to the children as part of the wedding ceremony.  The couple should first exchange their vows and rings and be pronounced husband and wife.  Then, the children can be called to join the couple.  The new spouse can then vow to love, cherish, encourage, respect, support, and nurture the child/children.  He/she may want to include other things in the vow as well.  For instance, if the child loves baseball, the groom might vow to teach him/her to pitch, knowing that the child can fully grasp that idea.  Include those attributes in the vow that are most appropriate to your relationship.

    As a part of the ceremony, the new step-parent may choose to present the child with a Family Medallion or another tangible reminder of the vow.  The Family Medallion is a necklace with a small medallion.  The medallion is oval and contains three intertwining circles representing the parent, new step-parent, and the child.  The child’s name and the date can be engraved on the back of the medallion.  The medallion comes with a booklet of suggested readings and/or prayers for presentation.  You can purchase the medallions by visiting www.familymedallion.com.

    It takes time to develop a relationship with a step-child, but it is important to the success of the marriage that the child feel that he/she is a part of the new family.  By including the child in the wedding planning and the ceremony, the foundation for the future relationship can be established takes time to develop a relationship with a step-child, but it is important to the success of the marriage that the child feel that he/she is a part of the new family.  By including the child in the wedding planning and the ceremony, the foundation for the future relationship can be established.

    Copyright © 2003, Glenna Tooman; all rights reserved


    Wedding Cake Do’s and Don’ts

    You spent several hundred dollars for a beautiful and elaborate wedding cake, a replica of one that you saw in a magazine. Everyone remarks on how pretty it is, and you are delighted. Then, a half hour into the reception, just as you are beginning to relax and enjoy yourselves, your coordinator tells you that the cake is starting to collapse and you need to cut it now while there is still time to salvage it and to get those special pictures. You rush to the cake table, place a forced smile on your face and quickly cut the cake.

    Unfortunately, this scenario occurs all too often, especially at summer weddings, but it can be prevented.  You can alleviate some of the problems by considering the following things when you choose your cake.

    Cakes don’t tolerate heat, particularly cakes made with butter crème icing, nor do they tolerate wind.  Keep the cake indoors, if possible, or in the shade.  If the cake must be placed outdoors, first place it in a refrigerator or freezer, if possible (your baker may do this before delivery).  Do this before fresh flowers are added and do not totally freeze the cake.  If the cake will be placed indoors, don't place it in sunlight or near heat registers. A cake made with a thin jelly-type filling between the layers will withstand heat better than one that contains a thick cream filling. Have the cake delivered as late as possible so that it doesn’t stand for several hours before being cut.

    Place the cake in a location that is level; otherwise, it may tip or slide.  Shim the table legs if necessary to make them level.  Cakes that have pillars between the layers are more apt to tip or collapse than those in which the layers are stacked directly on top of one another or placed on individual pedestals.  

    Rather than ordering an extremely large or tall cake, which can create problems, order a smaller one (three layers looks nice in photos) and then order sheet cakes or individual round cakes to supplement.  A very large cake will be difficult for the baker to deliver and assemble without mishaps and it will be difficult to disassemble and serve, as well as increasing the chance of the cake tipping or falling.

    By considering your location and choosing a style of cake that works best in that location, you can enjoy your lovely cake without unpleasant surprises to spoil your day.

     Copyright © 2001, Glenna Tooman, Memory Makers Event Planning, LLC; all rights reserved

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    Wedding Insurance – A Good Idea or a Waste of Money?

    You insure your car, your home, your health, and your life.  Now you can insure your wedding too.  Insurance for your wedding is one of the newest products on the market.  But do you really need it, or is it a waste of money?

    Wedding insurance has been popular in Great Britain for a few years.  Today, a number of companies in the U.S. are also offering wedding insurance.  Most policies offer varying amounts of coverage for varying fees with the most expensive policy costing less than $400 for a wedding held in this country.  If you are planning a destination wedding, coverage can be obtained at a slightly higher fee.

    Most insurance policies will insure you against:

    • Unforeseen weather problems (are you planning a wedding in Florida or the Bahamas during hurricane season?).  This must be a major problem that will prevent you from holding the wedding as scheduled or that will prevent a majority of your guests from attending, not an afternoon thunder storm.
       
    • Cancellation or postponement of the wedding.  If you or the groom is in the military and is called to active duty, you might need to postpone the wedding.  One of you or a close family member could be injured in an accident, have a sudden illness, or even die, necessitating a change in wedding plans.  Insurance would cover the lost deposits.
       
    • Failure of merchants to perform their contracted services.  This might include a caterer who goes bankrupt just before the wedding or an event center that closes just before your event.  Or perhaps the florist takes your money, then skips the country (all of these things have actually happened to unsuspecting clients).  If you have paid a deposit or the full fee to such merchants, you will be reimbursed.  Some policies will also cover the cost of legal fees to collect from errant merchants.
       
    • Damage to the wedding attire.  If the bridal salon catches fire and your gown or your attendants’ gowns are ruined, or the airline sends your gown to Timbuktu, you can be reimbursed.
       
    • Photographs and video.  If the photographer fails to show up or he neglects to put film in his camera, his equipment is defective, or the video camera doesn’t work, you may be able to recreate the wedding photos at a later date and receive payment for the recreation.
       
    • Theft of the wedding gifts or the wedding rings.  If you leave your gifts in another room while your ceremony is occurring and they are stolen, or someone breaks into the car in which the gifts are being transported, you can be reimbursed.  You can also be reimbursed for loss or theft of the wedding rings, but not the bride’s engagement ring.
       
    • Professional counseling.  Some policies will pay a limited amount toward counseling if you are left standing at the altar and you need therapy to work through it.

    Most policies will not cover the lost deposits if either the bride or groom changes their mind and breaks the engagement. 

    Before you purchase wedding insurance, check with the company that writes your homeowner’s or renter’s insurance policy and find out exactly what is covered under that policy.  Also check the liability insurance policy at the venue where your wedding will be held.  Depending on your coverage, you may not need a separate insurance policy, or your current insurer may be able to add a rider to your existing policy to cover the wedding.

    Whether wedding insurance is right for you will depend on your circumstances, but it may be worth the cost, particularly if you are planning a destination wedding. 

    © Copyright 2004; Glenna Tooman, all rights reserved


    Wedding Planning for the Older Bride

    You have been alone for several years; now you have found that special someone with whom to share your life. As you begin your wedding planning, you will find that you have many more decisions to make than younger brides. Your body has changed and the gown that looks great on a 25 year-old will not look the same on a 50 year-old. You may have children and possibly grandchildren to consider. You may have a home and/or investments that you want to leave to your family. You or your groom may have health issues.  All of these things and more need to be considered before you say “I Do.”

    Wedding Gown: Many older women find choosing a wedding gown to be the most difficult part of planning their wedding. Unless you work out regularly, you may not want a revealing gown like those found in most bridal salons. Instead, look for gowns designed for cruises and for party dresses or consider having a dress made.

    Children: If you have children, either still at home or grown, you will want to provide for their futures. If you have young children, you should have a will that includes guardianship provisions if something should happen to you. You may or may not want your new spouse to assume guardianship. Perhaps a sibling or your parents would be a better choice.

    Assets: You may want your personal assets, including investments and property, to go to your children in case of your death rather than to your new spouse and his children. If so, you should talk with an attorney and draw up both a will and a pre-marital agreement to assure that your wishes are fulfilled.

    Home/business: You and/or your future husband may own a home or a business. If one or both of you have homes, you will need to decide where you will live and what you will do with the other property. You might choose to live in one of the homes and either sell or rent the other. Or, you may decide to sell both homes and purchase one together. This is sometimes a better option if one or both of you lived in the home with a previous spouse.

    If one or both of you owns a business, you may need to contact an attorney to draw up a succession plan if you have not yet done so. The plan will include instructions about the future of the business, including future ownership and how the assets of the business will be handled. If the business is a sole proprietorship or a partnership, the business will automatically dissolve upon the death of the owner, so you will want to be prepared.

    Health: If one or both of you suffer from a long term health problem, you may need to determine how the expenses of the illness, as well as any future care needs, will be handled. If one of you has health insurance through a former spouse’s employer, you may lose it when you remarry.

    Debts: One or both of you may bring debts into the marriage. If the debts are significant, you may need to maintain separate bank accounts and keep your assets separate until the debts have been satisfied. If one of you has a poor credit record or a past bankruptcy that could adversely affect both of you if you commingle your finances.

    Pension Payments/Survivor Benefits Payments: If you or your fiancé receive survivor benefit payments or pension payments related to the retirement of a deceased spouse, you may lose those payments when your remarry, so be sure to find out. This is also true for military retirement and survivor benefit payments.

    Social Security:  If you are receiving Social Security survivor benefit payments on your deceased spouse’s earning record and you are under age 60, you may lose those benefits if you remarry. If you remarry after age 60 (50 if you are disabled), you will continue to collect benefits.

    Sharing your older years with a new spouse can bring great happiness but getting to the altar successfully will take some careful planning to be certain that you are not unpleasantly surprised by the loss of income, insurance, or other issues. Therefore, take some time to visit with your attorney and an accountant to make sure that you are fully prepared to enter the next phase of your new life.

    Copyright © 2007; Glenna Tooman; all rights reserved


    Help the Environment by Planning a Green Wedding

     Originally published in Organic Family magazine February 2007.

    Picture the typical landfill on a windy day: paper napkins blow in the breeze; paper plates skim across the ground, which is littered with plastic forks and spoons. Much of this waste is generated at weddings and other social events. You can do your part to reduce landfill waste and help the environment by making wise choices as you plan your wedding. It takes only a few changes to make a big impact on the amount of generated waste. Following are suggestions for environmentally friendly choices that you can easily incorporate into your wedding.

    Invitations - Begin with your choice of invitations. First, forget about the inner envelope, which is a waste of paper and postage. More modern invitation styles omit the second envelope and you can too. Choose invitations printed on recycled paper or made from a non-tree fiber, such as cotton or bamboo. You might also choose invitations made of recycled paper with flower seeds embedded in them so that guests can plant the invitation as a lasting remembrance of your wedding. By using a postcard for the RSVP instead of a card with envelope, you will reduce both waste and postage.

    Attire - When choosing your gown, look for one made from natural, not synthetic, fibers. You will find beautiful gowns made from raw silk, linen, cotton, hemp, and other materials. You might also borrow a gown or wear your mother’s or sister’s. The groom and his attendants might wear suits, which can be worn in the future, instead of renting tuxedos, which require cleaning after every wearing.

    Decorations - As you plan the decorations for your ceremony and reception, omit items such as balloons and crepe paper. Instead, choose flowers, herbs, leaves, grasses, and other natural materials. Rent vases for centerpieces from your florist or from a rental center. That way, the same item is reused many times. Consider using potted plants, including pots of herbs, for centerpieces. If you don’t have a garden in which to plant them later, give them as gifts to people who helped with the wedding.

    Flowers - If you like the look of silk flowers and you has a use for the bouquets and arrangements later, then use silk. Otherwise, use live flowers, which will biodegrade. After the wedding you might donate large arrangements to your church or to a nursing home, shelter home, or assisted living center where the residents can enjoy them.

    Photography - Choose a photographer who shoots digitally. This will save on film, packaging, and developing. Ask about albums that use less paper or that are made from recycled paper or another fiber, such as cotton or bamboo.

    Catering – Choose a caterer that uses locally grown organic ingredients, not canned, frozen, or packaged ones, in the preparation of their food. Not only will the food taste better, but you will save on all of the packaging and on the pollution associated with transportation.

    You can prevent a great deal of waste by asking your caterer to use real dishware, not disposable plates and plastic utensils. Also rent coffee cups and glassware rather than using plastic or Styrofoam. Avoid using plastic tablecloths or paper napkins. Though it may cost a bit more to rent dishes, glasses, and linens, and they will all need to be washed (by the rental center, not you), you will keep a huge amount of refuse out of the landfill. If you choose to provide disposable plates, eating utensils, and napkins, choose those made from recycled paper, sugarcane, cornstarch, or other biodegradable materials, such as those found at http://www.earthwarebiodegradables.com/.

    Ask the caterer what happens to left-over food. If you are having your reception at a hotel, restaurant or another facility that has an in-house kitchen, you won’t have leftovers. If you are using the services of an outside caterer to bring prepared food to your location, ask for the leftovers that are safe to be consumed later. You paid for them, so you should get them. Health laws require that foods containing eggs, cream, seafood, mayonnaise, and some other ingredients must be disposed of after setting at room temperature for a period of time. Other items, such as pasta salad, green salad (minus the dressing), some cheeses, fruits, and breads should be fine for you to take. Be sure to provide zip-lock bags and coolers with ice in which to store the food. If you don’t have a use for the food, donate it to a homeless shelter or soup kitchen.  

    Ask your caterer and bartender to provide containers to sort cans and glass for easy recycling later.

    Wedding Cake - If you are inviting more than about 100 guests, order a smaller wedding cake and supplement with sheet cakes. The sheet cakes require less icing and decoration and therefore cost less, as well as saving on ingredients. If you have left-over cake and you don’t think you will eat it soon, then take it to a shelter. The residents will enjoy the treat.

    Favors - If you choose to give favors to your guests, consider giving items that can be consumed or planted, such as packets of flower seeds or tree seedlings, which can be ordered from http://www.arborday.org/.  If you give candy or another consumable item, avoid those with the most packaging.

    Transportation - If you will have a number of out-of-town guests attending the wedding, arrange transportation for them from their hotel to the ceremony and reception locations so they don’t need to rent cars. Most hotels will provide shuttle service to and from the airport. Many cities offer trolleys and shuttle buses that can be rented by the hour. If your city doesn’t, then rent one or more passenger vans and ask a friend or relative to act as chauffeur.

    With a bit of planning, it is easy to make your wedding more earth-friendly, from the invitations that you choose to the attire, the food, and the dishware. The above suggestions can be incorporated into other events as well, from anniversary parties to company picnics.

    By making a few changes, you can do your part to make the Earth a better place and reduce the glut of landfill waste.

    Copyright © 2006, Glenna Tooman, Memory Makers Event Planning, LLC; all rights reserved. 

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