Everyone has been invited to a wedding at one time or another. They are romantic events focusing on joining two people together as one. Although it is nice to be invited to weddings, it can get expensive quickly when you need to purchase gifts. You can give a beautiful and memorable gift that doesn't cost a lot of money.

For a new couple who are just joining their lives together, many people give the couple items that will be useful in their new home. One inexpensive gift to give the couple is a basket filled with kitchen utensils and some fabric napkins. You can find all the supplies for this basket at a discount store.
Another idea for an inexpensive wedding gift is dish towels and dishcloths. It seems as though these things are always needed, and come in a wide variety of styles for very little price.

A recipe box filled with a recipe from everyone at the wedding would make a memorable gift. The best thing would be that the new couple would have a variety of recipes to try out in their new life. This gift would touch their hearts as a gift that everyone put a little thought and time into.

There are many places to find ideas for inexpensive gifts. Little decorations and figurines are always a great gift. One gift that is extremely common to give is a photograph frame.

For more ideas on inexpensive wedding gifts, you can search the Internet. Many businesses cater to doing small gifts for special occasions at a very low price. You can also buy magazine subscriptions, many couples never think about giving the magazines but many say that would be an excellent gift.

By going to the registry the couple has listed at stores you can find the gifts they really need. If those gifts are too expensive they will at least give you some ideas to get you started in your search.
Candles are a gift that is in style and not too expensive either. They come in many different fragrances and women enjoy them a lot.

Another inexpensive gift that you won't go wrong with is a gift card to a local store. Then the couple can pick out what they want or use the card as part of payment for another more expensive item. Either way the couple will enjoy your thoughtfulness at the gift.
Regardless of what kind of gift you would like to give to the couple, weddings are an expensive party to be invited to. Gifts are generally expected from all, but they don't have to cost a lot of money. If you keep in mind the couple will be glad you were there and not worried about what was given to them.

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Weddings are extremely expensive nowadays. It can be very hard to stay within budget without using a little creativity. One way that can save you a lot of money is to use homemade wedding invitations. By printing the invitation yourself and adding something to it to give it a nice look, you can have homemade wedding invitations that look like they were bought for a pretty penny.

Getting Started On Your Homemade Wedding Invitation

The first thing to do in starting your homemade wedding invitation is to decide whether you want to just go at it on your own or whether you prefer a little help. If you want some help with your homemade wedding invitation there are a number of sites that make it easy to design the invitation online. Basically you can search for designs that look good to you, pick the font and size of lettering, and then supply the information that needs to be conveyed to your guests. Many sites with have examples of wording that you can use. I highly recommend that you choose one of these rather than coming up with something on your own to be sure that you are using proper etiquette. When it comes to weddings, people get easily offended. So to avoid any arguments, pick something safe.

Using these online templates makes it easy to get going on your homemade wedding invitation and it makes the invitation read as if you had bought the invitation through a catalog.

Printing Your Homemade Wedding Invitation

If you are able to print the homemade wedding invitations at home, you can save a lot of money. You won't want to use any old paper. Instead find something that looks nice. Some websites sale invitation paper for a low price. So it is worth looking. The most expensive thing you will have to pay for with your homemade wedding invitation is the ink for printing. So overall this is a bargain way to go.

If you aren't able to print the homemade wedding invitation from your home computer, you may want to design the invitation and then take it to a print shop on a CD to be printed. Typically you can find nice paper at the print shop and some places don't mind using the paper you bring in.

Once you have the invitation printed, you can spruce it up by adding a colorful sheet at a border for the invitation. By doing this or coming up with other creative ideas to add something to the invitation, you can give your homemade wedding invitation a more personal style.

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1. Go paperless.

You can reduce spending here on postage, paper, printing and envelopes by doing online only. One can find a great number of tasteful internet stationary providers which include Paperless Post, ModernDay Invite and many more which you can use to give a smart-looking, however, affordable announcement to your friends and relatives.

2. Cut down the quantity of paper invitations you send out.

Because wedding celebration invitation expenses are derived by the number of invites you need to send out, contemplate going electronic for most of your invited guests and send out paper party invitations to only those that absolutely demand it. It's possible your older guests must receive physical party invitations to feel they are seriously invited. By lowering the number of paper invite recipients, it's possible to have more affordable wedding invites.

3. Employ a single card or internet site for responses.

To spend less on reply cardstock, you may as a substitute steer your invited guests towards a wedding website. The site should have all the most recent details about the wedding and can become a good source of information for the wedding guests. A different way to save money on RSVP notes is by using a solitary postcard. Postage will likely be cheaper and it will also be simple for your attendees to put the card in the mail. Going this route can help you achieve inexpensive wedding invitations.

4. Skip the bonuses.

There are numerous bonuses that you can choose when selecting your wedding invitations. Reduce the quantity of paper and skip buying distinct reception stationery. You can alternatively just list the language "Party After" at the base of your main invitation. This will help you save in excess of 16%. An additional product to omit is special envelope linings.

5. Print your own.

There are various reasonably priced invitation packages that you can obtain to print your wedding invitations. These kits include party invitations, mailing envelopes and response cards. For those who have a color printing device, these wedding invitations can look rather wonderful. Along with printing the wedding invitations, it's also possible to print your own programs, menu cards and seating cards.

6. Shop for wedding invitations from a small independent store.

There are a number of businesses that function from at-home workplaces and they are generally prepared to supply quality announcements at a price lower than maximum service stationery retailers. Because they have decreased overhead, they may provide rates that are 15 to 20% less than comprehensive service boutiques.

7. Go with thermography as a substitute for engraving.

Engraving is the conventional manner of generating party invitations. Using engraving, a metal platter is imprinted with your words along with your pattern. These cut-outs are filled with printer ink and pushed towards a die to raise the printer ink right out of the plate. This makes an elevated impression on card stock. The card stock will have a mark on the back edge.

Thermography is a new publishing process which ends up in printing much like engraving. A dust is spread about while the printer ink remains wet. The printed material is then warmed up so that the dust melts to connect with the ink. This approach produces a lifted surface. This particular process is a lot less pricey compared to making use of engraving! Truly the only variation is there will be no indent along the rear side of the card stock. And you'll be able to use additional shades and print styles. Think about employing thermography for affordable wedding stationery.

8. Order a stamp that has your address.

Instead of having the stationer produce your return mailing address on the mailing envelopes, as a substitute obtain a good stamp from Etsy or an embosser. Utilize this to stamp your envelopes with the address. This could lead to large financial savings and assist you in delivering low-priced wedding invitations.

9. Go with a regular size invite.

Some wedding invitations end up being what's considered outsized by the postal service. In those cases, you will need to pay a lot more postage. Furthermore, if you end up getting more extras, for example reply notes, response card mailing envelopes, etc, you might boost the weight of the party invite. This could require increased postage. Make it simple and stay below a single ounce to save money.

10. Utilize only one color.

Instead of employing multiple colors in your wedding invitations, consider utilizing a grayscale color scheme. Incorporating yet another color can make the asking price of an invitation go up by 50% or more. As a substitute, go with hues of an identical color in lighter and darker tones to secure a excellent result for very affordable wedding stationery at half the charge.

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With a dizzying range of contemporary wedding invitations on the market today it's difficult to know where to start when selecting your invites. It's important to remember that this is the first indication to all of the theme and tone of your wedding. You probably wouldn't have a traditional country style invite for a minimalist modern city wedding. For contemporary wedding invitations there's something for everyone and for those unsure where to start a few simple choices will help narrow the selection down.

Colours and Seasons
Let's start with colour as this seems a good starting point for most couples. The choice can seem daunting, but perhaps more straightforward once you consider that bridesmaid' dresses or floral arrangements can be one of the first considerations for a colour scheme, glimpses of which may then be interweaved throughout the day. For example, a rose pink and spring green could be incorporated into your wedding stationery once softened with white or ivory. The bridesmaids could then be showcased in rose pink, with floral accents throughout the day in pink and green, i.e. from buttonholes and handheld arrangements to favours and reception flowers. Consider the seasons when selecting your wedding stationery. Spring would be the ideal time to incorporate a fresh spring green, and summer lends itself to beautiful shades of cornflower blue. Warm tones in gold and burnt orange suit an autumnal theme and berry red against a snow white card hint at a wintery wedding. A little bit of subtle sparkle also works for a Christmas theme. Should you not wish to relate your invitations to a particular season, then popular choices are classic black and white, or a stylish cappuccino shade. Once a colour has been selected you can start thinking about the style of your invitations. The wedding ceremony and reception venues could both lend some ideas. For a traditional church ceremony you may want something more straightforward, but for a civil ceremony you may wish for a less ornate invite.

Font Style
Fonts may be adapted to suit the personality of the occasion and with hundreds to choose from there's something to suit all tastes. From richly ornate to the more minimalistic of fonts, there are plenty to select from. One way of treading the middle ground to good effect is to select an ornate font for the first letter of each word and a simpler font for the remaining letters. This gives sufficient interest to the front of your invitation without becoming overly 'flowery'.

Wording
The etiquette of invitation wording can often become a difficult point when deciding how to put together the actual text required. One point to bear in mind is that the wedding invitation will generally be addressed from the hosts themselves, so decide if you require your invites sent from the Bride and Groom, or from one, or both sets of parents. For families that may have extended families involving step-parents etc. the hosting can be more complicated, but any good wedding stationery will be able to offer advice in this area.

Budget
Budget is a major consideration for most couples and if you consider the scope of invitations on the market there is something to suit all, from off-the-peg invites where date, time location etc. is handwritten by the hosts, through to bespoke individually handcrafted invites where every detail can be amended to exact specifications. The invitations are truly an indication of the type of wedding you have been invited to, and also serve as a keepsake, so their importance should never be underestimated. All the above offers guidelines only. There are ultimately No hard and fast rules as long as the wedding stationery meets your requirements. There is always scope to do something unique or contradictory. For that laid back sunny beach wedding why not have a traditional invitation with intricate script and pretty ribbons. Or alternatively introduce your own theme, such as the 1920's theme, a New York socialites wedding or a Las Vegas Casino theme. The world really is your oyster.

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Anniversary Wordings, Sayings and Verses for Anniversary Party Invitations

Although there are plenty of other aspects to planning an amazing anniversary party, that's no reason to neglect one of the most important parts of planning: the anniversary wordings. Remember that there are specific etiquette rules you should be following depending on whether or not you are preparing invitation wording for informal or formal cards. The guidelines below can help you make the right choices.

Wording for the Formal Party

If you are going to having a formal celebration for the anniversary, make sure you are careful when writing the message. You want to make sure your content is appropriate for the tone of your event. To be sure of that, you want to follow careful etiquette guidelines that will ensure you prepare the invitation carefully. For example, begin the message with the names of the host/hostess of the party followed by "Request the honor of your company" or a similar phrase. Next write out the names of the people whose anniversary is the focus of this celebration. Remember to always use full names on a formal invitation.

In the next lines, you'll want to write out the details of the party. The date should be on the next line followed by the time, location, and city and state - each on a separate line. If you want to use a response card, you don't need any other information on the card. However, if you are not using a separate card, add the RSVP information to the bottom of each invitation.

Of course since these are going to be a formal wedding anniversary invitation, you will want the message pre-printed on each one.

Wording for an Informal Party

Many anniversary celebrations aren't that formal. You might prefer something a little more casual. If that's the type of party you want, you won't be as restricted in terms of etiquette rules. You'll have a lot more freedom. In fact, you can pretty much choose any content you want to add to the invitations. One idea might be to add a poem or song lyrics that were part of your original wedding ceremony. Obviously, you will still need to add in all of the party details, including the names of the hosts, the names of the guests of honor, and the location specifics.

If you are curious about other differences between these two styles of wedding anniversary invitations, one more is that you can handwrite the message on your casual invitations. Some people decide to split the difference and have a portion of the anniversary wordings handwritten and the other part pre-printed.

Gifts and Wording

Finally, avoid the temptation to include any mention of gifts in your anniversary wordings. Even with casual invitations, this is bad etiquette because it makes your guests feel as if they are only being invited to give you gifts. That's not a good idea. Instead, leave off registry information. Don't even mention that you would prefer cash or a charitable donation in lieu of a gift. Remember that you always want your friends and family members to know you want their presence because you care not because you want more presents.

As you are searching for just the right anniversary cards, we suggest you look for websites that offer you that little 'extra' for shopping with them. A few of these advantages include:

* Exclusive Designs Available ONLY on their sites

* View Your Personalized Anniversary Wordings PRIOR to buying

* Receive Your Proof Within One hour AND can make unlimited changes at NO extra cost

* Free 10 Cards and Free Shipping

* Print and Ship Your Order the SAME DAY

* You Can Add a Photo, Picture or Logo to Any Cards on their Site

* Will Modify any card design or color

* Will Create a Design Just For You

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Most wedding venues today have a smoking ban and that not only applies to cigarettes. So what can you do when smoking candles are not allowed? Here are some ideas that include smokeless candles.

In these days of venues being more concerned with health and safety it may be the case that you will not be allowed to light any candles at your wedding reception. You may also find that the hotel or restaurant is not insured for lit candles as insurance premiums have become more costly.

Assuming that you have found a place to hold your reception that does allow candles to be used and you are looking for wedding ideas that include wax candles then here are a few suggestions.

Firstly when buying candles do look for smokeless candles. They are not cheap candles but for the little extra that you pay it is well worth it. At the same time check to see that they are dripless candles which they probably will be if they are quality candles. With non drip candles the wax burns down inside the outer shell before that outer skin melts which gives you the added bonus of a longer burn time with all the wax being used for lighting, not wasted and making a mess of your wedding table.

Wedding table decorations take many forms but a classic and very often used wedding table centrepiece involves the use of candles.

Wedding candelabra can look really classy, especially if classic candles such as Sherwood dinner candles are used. A great alternative is the taper candle sometimes referred to as a Venetian candle. The Sherwoods are a larger and more imposing candle where the tapers are what they suggest and an altogether much smaller candle but still a classic. Both are available in a range of colours but the classy ivory is the ever popular colour and looks good on a wedding table.

If you prefer not to use candelabra there are alternative wedding table centrepieces.

Altar candles are available in one colour, best described as off-white but they do come in a variety of heights and can be put together to make an interesting and effective grouping.

Church candles more often than not are a blend of waxes that includes a percentage of bees wax. A little more expensive than Altar candles but again come in a variety of shapes and sizes that can be combined to create candle wedding centrepieces.

Perhaps the ultimate wedding table centrepiece would be designed using candles that are 100 percent bees wax. Beeswax candles are not cheap candles but they really are something special. They look good and burn with a nice glow. Perhaps these special pillar candles could be used for the table used by the bride and groom with a selection of coloured candles as wedding table decorations for guests.

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Every couple will try their best to find a unique wedding invitation. This is also the case in Hong Kong. However, couples in Hong Kong often face a dilemma that on one hand they would like to choose some western or modern wedding invitation but on the other hand their parents would like them to have a more traditional design, which is red and gold in color. This may sometimes result in disagreements between the couples and the parents.

Most couples in Hong Kong have a perception that a traditional wedding invitation is something old fashion, choosing such wedding invitations will ruin their perfect wedding. There is no doubt that most "traditional" wedding invitations provided by the printing company (a printing company, not a design firm) looks very old fashion. They are usually red in color with gold color hot stamping contents. They are considered old fashion mainly because all these invitations look very similar.

The only alternative for these "traditional" wedding invitations are what they call "western" style design. There designs are normally white in color, which is totally perfect in the western world. In Chinese culture, however, white color has a meaning of death. People wear white color clothes when their relatives pass away. Without any surprise, the parents will not like this "western designs" and they will ask the couples to go for a traditional red color design.

One may think that these different perceptions between the couple and the parents should not be a problem if they communicate well. Theoretically this proposition should be correct. However, this is usually not the case in reality. The choice of wedding invitation can result in disagreement between the couple and the parents.

A real case is that there was a couple who loved the white color "western" style wedding invitation design. They ordered and had the invitations done without even informing their parents. After everything was finished, their parents were furious when they saw the white color wedding invitation.

The couple was really in a dilemma since they had never thought that their parents would not like the white color wedding invitation. They tried their best to persuade their parents but eventually they surrendered and made the wedding invitation once again.

In fact many couples admit that they are not really fond of the white color "western" style wedding invitation very much. The reason behind the decision of choosing the white color invitation is that they do not like the traditional red color design. It is probably because these wedding cards look very similar and it seems that there is no choice for a couple even if they would like to go for a red color design.

This is mainly because these red color cards are not properly designed and they are only provided by printing companies, which are not obsessed to produce high quality wedding invitation designs. Professional designers should be able to help to produce more refined red color wedding invitations.

For example, a wedding invitation can be designed such that it is basically red in color, which is treated as a folder containing all the cards, and the cards (invitation card, RSVP etc.) are gold in color. This idea of folder is very common in UK or US. They can be easily seen from wedding invitation providers' websites. However, they are very rare in Hong Kong. With this "East meets West" treatment, a couple can get a unique and beautiful wedding invitation and it can at the same time fulfill the requirement of red color by the parents.

From this example we understand that the wedding invitation providers should start change the way of doing business. In the past a printing company was just focusing on printing something that other companies printed. With the higher expectation of the couples, these companies should work with professional designers to create more unique wedding invitations.

These wedding invitations should be on one hand creative and unique and on the other hand in line with Chinese culture and traditions. In fact some wedding invitation providers in Hong Kong have already started to explore this possibility. With these designs, the requirements of both the couple and the parents will be fulfilled. The wedding invitation designs from Hong Kong may also become a choice of couples in other places around the world, since these designs combine the cultures and traditions from both East and West.

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Here's a tale about a soon-to-be-married couple who was counting their lucky starts that they had wedding insurance for their nuptials. The day commenced all right with the ceremony taking place outside the location at their attractive wedding ceremony area. Well, it was by a busy avenue and quite a bit of traffic interference could be heard during the ceremonial presentation but the now newly married pair didn't take any issue with it. The ceremony was not that big of a deal to them.

Now that the couple was married all of their friends and family moved into the building for the cocktail hour. Friends and family were drinking and eating and thoroughly enjoying themselves. This was, after all, a gathering of close friends, a celebration, and all the people we're reveling. Some snacks might have been dropped and a beer may have spilled a little somewhat. There were a few kids in attendance, too, so they make a little bit of a mess sometimes. There wasn't anything off kilter when it came to the initial party gathering...nothing that would need any sort of wedding insurance to cover, at least.

The guests then headed into the reception room for the chow time and party time. The food was not the greatest ever. This was, after all, a wedding and when feeding two hundred-plus guests, it's not easy to create outstanding main courses. Some would even say the food was bland and cardboard-like, but that was something they didn't really care about. What was important was that all the bride and groom's nearest and dearest were there to spend time with them and to celebrate their marriage! Wedding insurance was the farthermost thing from the bride and groom's. The happy couple was preoccupied with spending time and enjoying their loved ones and close friends. They weren't going table to table thinking, "I wonder what is covered by our wedding insurance policy?"

After dinner, the cake cutting came up next. Up to now, not only had all the guests had a couple under their belt, but so had the happily married pair. They were goof off with the cake cutting and ended up having a mini-cake fight. A little cake in his face, a little in hers, a little more up his nose, a little more up hers, you get the picture. Well, some of the bits dropped on the rug, but no one smashed it into the rug and the bride and groom were sure a food server or worker would have brushed it up immediately. Besides, this probably happened almost every other weekend and even if the carpet got a little stained, surely the wedding locale had wedding insurance coverage also.

Following that-and after cleaning the cake crumbs off of their faces-the newlyweds danced their first dance. All the guests had tears in their eyes during this once in a lifetime dance. After all the other special dances, like the parents and wedding party dances, everyone else joined in the celebration. The disc jockey was outgoing and inclusive and everyone got down on the packed dance floor all night. During the bouquet toss, the bride tossed it way up in the air the flowers actually bounced off of the roof and sprang right in to the hands of the maid of honor. Of course, no person was hurt by jumping for it so no need for wedding insurance again! Maybe the young lovers were wondering if they had wasted their money on a worthless policy.

Now, at the end of the night, almost all of the guests had made their way home and the rapturous lovebirds were spent. They were more than happy with the outcome of their ceremony and reception and they were even more thrilled that nothing terrible happened to the point of having to have their wedding insurance coverage come into play. Amazingly, no one from the reception hall helped them out. The bartender closed the doors behind them and their spectacular day of celebration was complete, only to be alive in their memories. Little did they know the locale owners had been victimizing young couples for quite a while.

A couple of weeks after their special day, the newlyweds got a bill from the owners of the marriage place stating that there was damage caused to their place of business during their time there. They expressed the gazebo was damaged by the ring bearer. They said a table in the entranceway had a cocktail spilled on it and was damaged beyond repair. They had to completely replace it. They stated that the silly cake conflict that occurred destroyed that area of the rug and the entire carpet needed to be replaced. They said that when the bride tossed her bouquet, it hit the ceiling and stained it, so the stained section and the entire main room had to be repainted. The total number of dollars to the couple came out to almost $20,000! Mr. & Mrs. was devastated. They were lost and bewildered. They presumed that they had to give in or get taken to court, and we all know what that can cost. After speaking with their parents and other family members, it was the minister who mentioned their wedding insurance. The frantic pair contacted their wedding insurance representative, and he/she opened up a case to investigate. The couple breathed a small sigh of relief.

Two to three weeks went by and the worried pair heard not a peep and started to sweat a little. They started looking at their finances to see if they could somehow scrape up the money that they were being asked to give up. Their wedding insurance representative finally reached them and told them to come in for a pow wow.

It turns out the owners of this wedding establishment had been making false claims on their clients for years. Whenever they felt they needed something repaired or upgraded, they would blame the previous weekend's wedding guests. Lucky for them, most newly married kids didn't think they had any options and whenever they tried to work out a deal, the wedding location directors would threaten them with court. Begrudgingly, couples would just put up and shut up. Never again.

The wedding insurance policy would have covered any damage caused by the new married pair's event, but with an open case, the wedding insurance broker was able to inquire about and discover what was really going on. Not only did this couple not have to pay money to the reprehensible crooks of the wedding site, but they saved any future embezzlement by these wedding criminals.

Here, typical wear and tear would have been the conclusion and their wedding insurance wouldn't have had to pay a dime. And now, this couple and their wedding insurance agent are superheroes of a sort for sending those menacing event location managers to jail. Without that couple getting some kind of wedding insurance, the hornswoggle probably would have continued indefinitely.

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Clients are the lifeblood of any business and in a perfect world, they are pleasant, kind and respectful people but in the real world, some are often "challenging", a euphemistic word for the acronym PITA ("Pain in the A$$")!!

A very good friend of mine, also an event planner, bought me a gift to set on my desk, a little pottery jar that said "Ashes of Problem Clients". In less than ten seconds after receiving it, the ashes of several clients came to mind and I became inspired to write about my experience as an event planner.

I have been in the hospitality business for thirty-nine years; twenty-five of which have been in event planning. After I planned my first event, I was hooked. I loved the creative aspect of planning a function, the excitement of meeting people from all over the world, working without outside vendors and entertainers, and arranging corporate dinners, receptions, themed productions and social functions.

Obviously the ultimate goal of an event planner is to exceed, or at the very least, meet the client's expectations by helping them to create a successful event and a memorable experience, and in addition to client satisfaction, you hope for repeat business or a referral for future business.

When clients act controlling and try to micro-manage the situation, I honestly do try to see their point of view no matter how unreasonable the demand or how irrational the request. I like to give the benefit of the doubt while trying to convince myself some clients have no idea how complicated they are making things but I also take into consideration that perhaps they are nervous or fearful because this is the first event they have tried to plan, although not many clients will admit that, or maybe their boss is pressuring them to make the event spectacular while threatening them with losing their job, time off, a bonus or a raise.

As an event planner, we've all experienced client horror stories and dealing with difficult and demanding clients comes with the territory but often times so does a migraine and an upset stomach; loss of sleep, non-productive stress and large quantities of aspirin and antacids, and for me, a few glasses of wine or a couple shots of Patron, after the event of course!

During the planning stages of an event, some clients will ask you what you think and then interrupt you as you start to answer, some try to involve you in a plethora of plots and plans and undermining schemes, and some expect you to be able to make your room or the venue bigger or smaller depending upon their requirements. After the details have been finalized and the contract has been signed, many times clients still try to make last minute changes. Some arrive shortly before the doors are to open and expect you to be able to rearrange the set up or add items to the menu, and some don't understand that if more guests show than what was originally contracted for, why they have to pay for them. I had a client who guaranteed 200 people for a reception but in fact over 300 showed. My client was confused as to why she had to pay the overage since "there was plenty of food and plenty of booze on the bar".

An event planner wears many hats. Depending on the client, some expect you to be a psychologist, a referee, a babysitter or a negotiator while others have little respect for your expertise or what works best in your venue even though you've produced thousands of events. They are critical of everything, and think we as event planners are being unreasonable and uncompromising if they don't get what they want. They snub your ideas and suggestions yet when they get complimented from the boss or one of their guests, of course it was totally their idea.

Don't misunderstand, I have had some wonderful clients over the years but I actually believe I have learned more from the challenging personality types such as the perfectionists, the nit-pickers, and the egotists to name a few.

High-Maintenance Clients
I have a client whom I have been working with for years. I should be used to her selective hearing, her frequent outbursts and her drama queen antics but when she calls and texts me after hours or on the weekends several months before her event to ask something like, "Do you think the sun is going to be an issue in May before 5:00 PM, it gets exhausting. She e-mails me incessantly with "Urgent!!!" in the subject line. She schedules appointments, then cancels, reschedules or shows up late. During the meeting, a good portion of it is spent talking or texting her assistant, her mother or her dog groomer. She comes up with ideas, finalizes them and then changes her mind. She must have the tiniest bladder on the planet because she's always sprinting to the bathroom or outside for "a little air" or a cigarette or three. No wonder she has to go to the bathroom every ten minutes; she needs her coffee or tea or water continually replenished, and sometimes even a "turkey club on whole wheat with light mayo" or a "grilled chicken Caesar salad with fat-free dressing on the side". She loves the little pampering we "provide"; we are so "accommodating". This client owns her own company and it is quite successful. She likes to host a client appreciation party each year yet she never has "much" in her budget and she expects little extras to be included at no additional charge. Once she asked if I would "throw in" the bar, not hard liquor, just beer and wine as if the cost of beer and wine was no big deal. I gave her the following analogy that I thought she could relate to, "Let's say I'm in Bloomingdales and I see a beautiful dress that I simply must have. I ask the sales person if she could 'throw in' some shoes to match". She processed that for a few seconds and said, "Ohhhh, I see your point" but I wonder if she did because later she asked me to "throw in" the dessert. The only thing I wanted to "throw" was her, right out the window.

The Attention-Seeking Client
I have an attention-seeker client who works for a party planning company. Whenever he has an audience, he likes to take the opportunity to berate the staff with his rants and barrage of expletives. For this particular event, he wanted floor length tablecloths but unfortunately my linen vendor only had two sizes of linens; one that was too short and one that was too long. My mangers and I opted for the shorter cloth because the longer cloths had so much extra fabric that we anticipated them becoming a liability with guests tripping and falling into each other. When my client walked into the room for the final walk-through, two hours late mind you, and saw the short cloths, he said, "I am coming unglued". He ripped one cloth off a table as the staff stood paralyzed with their eyes and mouths wide open while everything they had just set on the table tumbled to the floor. He turned to me with blazing eyes and I swear I saw little pitchforks in the center. He raised his voice so high it could have broken glass as he screamed, "This is your fault Madame! If you were going to change to a shorter cloth, you should have called me for my permission". I did and he would have known that had he answered his phone or bothered to check his voice mail. Any seasoned event planner knows that the key is to try and diffuse a hostile situation before it spirals out of control. I tried explaining my thought process hoping he would agree but he put up his hand in a dismissive manner and waived it at me and yelled, "Silence". I assured him that I could have the linen changed out and the tables reset in less than thirty minutes. "I don't have time for this", he said even though we had five hours until the event. He plopped down into the nearest chair and yelled, "Someone bring me a bottled water, a glass of ice and lime on the side".

It's times like this when I wish I owned the place so I could finally say those two little words that I so often think inside my head. No, not those two words but these two words: "Get out!" Obviously you cannot change someone else's behavior but I did make it clear to him that while I would do everything within my power to make him happy, what I would not do was allow him to continue to speak to me, or the staff, in a rude and disrespectful manner. After the event, my client informed me that his client was thrilled, "Darling, you did a fabulous job and I'm so sorry I was a bit testy! Please forgive me. Your staff must think I'm a pain in the neck". Not the body part I was thinking of!

The Know-It-All Client
Know-it all clients are often arrogant, opinionated and believe they know it all simply because they have either planned their sister's bridal shower, their parent's 50th anniversary or their child's first birthday party. They become self-proclaimed experts. I had a bride who scheduled an appointment with me to discuss having her wedding reception at the restaurant. She arrived with her maid-of-honor, who incidentally planned her own wedding after she watched "The Wedding Planner" so "JLo" did all the talking and of course she knew absolutely everything. She knew where she could get a "bigger, more delicious cake" for the same price I quoted, "cheaper flowers" and a "less expensive" Deejay. She talked over me, interrupted me and treated me as if this was the first wedding I had ever planned. The icing on the proverbial wedding cake so to speak was when she assumed they could bring in their own food and beverages. She was shocked when I explained that if they wanted the reception at the restaurant, we would be providing all the food and beverages. I often think about that bride and wonder how her reception turned out. The maid-of-honor thought either her backyard or the church hall was much more "suitable, not to mention cheaper" since they could bring in their own "food and stuff"!

Client-Come-Lately
I have a travel agent/event planner who booked a group from Europe for a sit down dinner from 8:00 PM - 11:00 PM. The first two hours was scheduled for the dinner and the last hour a variety of entertainers were to perform various singing, dancing and magic acts. At 8:45 PM, the client and her guests were nowhere to be found. I called her hotel, her cell and the bus company who was transporting them from the hotel to the restaurant. My client did not answer the phone in her room or her cell and the bus company told me they brought the group back from their tour "hours ago". Even though my Chef and Manager on Duty were panicking, believing they might not show, I knew at some point the group would make their way to the restaurant because we had been paid in full and the entertainment company had received a hefty deposit. Shortly after 10:00 PM, the guests arrived. When I asked my client about the delay, she said she tried phoning me around 5:00 PM but she "just couldn't get through". Apparently her clients did not want to eat at 8:00 PM as she contracted; they were used to eating later. I explained to my client that she would be charged for three extra hours of labor since she was two hours late and the party would need to be extended until 1:00 AM. The entertainment director told her he too would have additional charges. She became hysterical. She had not budgeted for extra labor charges and it wasn't her fault if she couldn't get through to me, it was her mobile phone. I explained that even if she had been able to get through, changing the start time three hours prior to the contractual start of the party was not acceptable and if she wanted the dinner and the show to go on, she would have to agree to the additional labor charges. I also reminded her that these types of situations were outlined in the Conditions of the Contract but some clients do not read the fine print before they sign on the dotted line. Even though she has since booked three more events with me, during her tantrum, she vowed never to book at my venue again due to my "unwillingness to compromise".

Another client booked a small two-hour reception. I created a menu, sent her a contract it, she signed it and paid a deposit. On the day of the event, my floor manager told me the function was going to be a "piece of cake" and insisted I take the night off. An hour after the reception was supposed to start, that same manger called me at home to say my client was a "no call/no show". He pulled the contract and my client signed for that date and time. He was not able to reach him on his cell but left a message. I too called and left a message. Three hours later my client called and said, "Please don't tell me I booked the party for tonight?" He actually wanted it for the next day. I was able to accommodate him since we had no other functions booked however, when I explained that he would have to pay for the labor that had been scheduled and the food that had already been prepped for the wrong night, he became indignant. He said since it was his mistake, the extra charges would have to come out of his pocket, that he was going to be "in a whole lot of trouble" and he didn't "appreciate the fact that I was imposing these charges on him since it was an honest mistake". I told him that while I sympathized with his predicament, if I didn't get compensation, I was going to be "in a whole lot of trouble". Even though I agreed to split the difference, he still was not happy and refused to speak to me the next night at his event.

The Narcissist
The only thing worse than a rude and obnoxious client is another rude and obnoxious client! There is a certain breed of clients who think they are your only clients. They have little or no respect for your time. They think you are supposed to be available 24/7 and that you have unlimited resources at your disposal. A client set up a site inspection with me at 8:00 AM on a Monday. She confirmed the date and time twice after setting it up, the last of which was on my first Sunday off in one month. Fifteen minutes before she was due to arrive, she called and said, "Hi, I'm in a taxi driving right by your place. I'm switching plans". Apparently she broke a nail and the manicurist at the salon in the hotel she was staying at was not in on Mondays so she was headed to another salon at another hotel for the repair. "So I can't get to you until 2:00 PM because I have other places to site, and then a lunch so I'm moving you to 3:00 PM". I apologized and explained that I had a site inspection with another client at that time and asked if she could wait until 4:00 PM. She told me that I was causing her a "real inconvenience", that if I could not accommodate her at 4:00 PM, she would be forced to book elsewhere since she couldn't possibly book with me sight unseen. She called me the following year asking if I remembered her. Really? She requested a site inspection and proceeded to tell me how displeased she was with her last party and how difficult the catering manager had been. She asked that I check availability but unfortunately and sadly and hip-hip hooray, I was already booked on the day that she needed. As she slammed the phone down, I heard her say, "Whatever"! I never like to turn down a piece of business but I am certain that if she calls me again, "third time's a charm" will not be the case for her!

The Egotist
I have had many memorable clients by one of my 'favorites" was the client of a local party planner her scheduled a final walk-through two days prior to the event. Even though I had met with this client twice before, she could not seem to remember my name. She said, "You must think me terrible but I have forgotten your name", and this was our second meeting and we had been talking for nearly thirty minutes. Hello?! It's not like my name is Scheherazade. It's Kate, a very short, one-syllable 4-letter word. But knowing my name didn't make a difference, she still insisted on directing her questions and her little underhanded comments to the party planner, referring to me as "her" and "she"; that is, when she bothered to acknowledge that I was actually in the room. "I hate to be a pest", she said, "But do you think she can remove those extra ropes and stanchions if we don't need them? And why are there so many extra tables and chairs in the room, this isn't how I want the room set". I reminded her that her event was not for two days and the room was set for an event that evening.

After she changed the start time, the color of the linens, the placement for her speaker and the buffet, for the third time, she got up with a jolt, ran to the middle of the room and stood there with her eyes closed, one hand on her head and the other on her stomach as if she were channeling Frank Lloyd Wright. After a few seconds, she exclaimed, "No, no, no this room is all wrong, this is not what I envisioned". Apparently she just wasn't "feeling the room". In fact, what she was feeling was "frustrated" and "claustrophobic". She swung around and opened her eyes wide and glared into mine and said, "What about you 'Kathy', aren't you feeling frustrated and claustrophobic?" Yes, I thought, but not from the room! In a matter of seconds we went from the original set up of round tables to rectangle tables because after all, "rectangle tables are much more conducive to a dining atmosphere" whereas the rounds seemed "banquety" to her and that's not what she "envisioned". Her "vision" and her "goal" were to have the room "feel comfortable, relaxed and spread out" and oh how she wished the room was bigger but she "supposed there was nothing that could be done about that". Mean while the room seats 250 people and her guarantee was for 100. I sat quietly taking deep breaths and wishing my life away, wishing for it to be two days later at 10:00 PM which would mark the end of her event. As she got up to leave, she put her hand on my arm and baby-talked, "I hope you don't think I am too much of an ass pain" and giggled and snorted uncontrollably. Oh, I thought to myself, that's not what I'm thinking at all! Then she said to the party planner, "Can you tell Ka-Ka-Ka Katie to make sure the carpet is vacuumed".

So it's the day of the event and standing outside the door is "Cruella Deville" in all her glory. I cannot put into writing the thoughts and fantasies that started running rampant through my mind; it just wouldn't be lady-like. I looked at the banquet captain and said, "It's show time. Your worst nightmare is about to walk through the door. If you need me, I'll be at the bar"!

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Summer is for weddings, not divorces. But since approximately 10% of marriages fail during the first five years, and 25% don't make it to their 10th anniversary, (according to the U.S. Census Bureau), couples should be proactive and do some financial planning in advance just in case married life is short-lived.

If you are getting married soon, here are 3 simple steps you can take now to protect yourself financially if you face a future divorce. If your marriage works out, these strategies are smart fiscal practices that will benefit you and your family throughout the years.

1. Discuss Debt/Credit

Healthy discussions around money, expectations, debt and credit should take place well before your wedding day. Since couples are waiting until they are older to get married, chances are they have a credit history, for better or for worse. Review your credit reports together and decide how existing debt is to be handled. Not all debt is considered equal. If one person has student loans but the other has high revolving credit card balances, a discussion on spending habits and financial responsibility would be smart.

Establish and maintain credit in your own name once you are married. If you end up divorced, it could be easier to qualify for a mortgage or credit line if your ex's credit is separate from yours. Closely monitor your credit reports as part of your annual financial planning review to make sure that the information is current and correct. It could take months to remove an incorrect statement and you may need your spouse's cooperation.

2. Protect Premarital Assets

Dividing assets can be tricky when couples split. Protect the assets you bring to the marriage by making copies of all bank, retirement, and brokerage statements, dated before your wedding day. In order to be considered your property in the event of divorce, the assets must be kept separate and not commingled with marital assets. If you place assets in the "yours, mine, and ours" category, you save a lot of time and money upon your split.

3. Create and Review Your Financial Plan

Work together to put your financial goals on paper and review it annually. To avoid unpleasant surprises upon a divorce, couples should both stay involved in the family finances and monitor budgets, accounts, and investments regularly. When you have children, obtain a 30 year term life insurance on each parent's lives, especially if one stays home. Term insurance is inexpensive, the annual premium never changes, and a term of 30 years is typically enough to cover the cost of child care, housekeeping, college, and even a wedding. If you divorce, you would both be covered at a time when your age or medical condition could preclude you from qualifying for life insurance or paying a higher premium.

Summer is for love, but good financial planning is best always in season!

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