Whether you need a caterer for your wedding or annual New Year's bash, it's important to find the perfect catering company that can provide the cuisine, food presentation, and overall ambiance you are looking for. To ensure you do, here are ten questions you should ask any prospective caterer you interview:

1. Do you specialize in a certain type of food? This is important if you are looking for something specific; the caterer should be able to supply you with sample menus to look over.

2. What is your average price range? Find out if costs are itemized depending on the food you select or if there's an all-inclusive rate. Does the cost include gratuity, taxes, and other additional costs?

3. Do you provide table linens, chairs, silverware, tableware, salt-and-pepper shakers, etc? Find out if the caterer can provide those non-food items and if not, if they will make the arrangements for rentals. If they provide them, ask to see them beforehand to ensure they are acceptable as is.

4. Who will by main contact? Find out if the person you work with throughout the planning will be who will oversee meal service on the day of your event (this should be the case).

5. Will you handle the table settings? Inquire if the catering company will set up the place settings and place name cards and favors or if you are in charge of doing that.

6. Will you provide wait staff? Whether you are having the event at your home or a banquet hall, find out how many wait staff they recommend for an event of your size. Most reputable caterers will use their own wait staff even if the site has serving personnel available.

7. Where will the food be provided? Are there on-site facilities or will the caterer need to make additional arrangements? Find out if there is an additional fee if the caterer is required to bring in their own equipment.

8. Do you have a valid license and proper insurance? A license ensures the catering company has met health department standards and has liability insurance which protects you in case of an accident. Make sure this includes a liquor license from the state if you plan on serving alcohol.

9. Do you provide the alcohol or can I provide it myself? If you can handle the bar separately, find out if there is a corkage fee and determine arrangements to get the caterer the alcohol. If the caterer will provide it, look over the wine list beforehand and find out if they allow special requests.

10. Can you arrange a tasting? If you get a good vibe from the caterer you are meeting with, schedule a tasting to sample their cuisine.

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One of the most special parts of an Indian wedding is the invitation cards that are sent out to wedding guests. Everything in the card must be absolutely perfect, from the traditional motifs, to the colors, the symbols, the style, and the message in the card. Hence the time and trouble that usually goes into selecting a great card design. But the task is not over even after the selection. Choosing the material for printing, seeing that that printer delivers according to the specifications. And, finally getting all the Indian wedding invitations in hand at the right time, so that they can be sent out. All of this trouble that goes into this critical aspect of a wedding can be done away with today. You can not only save time, but also valuable resources in rushing back and forth from your local wedding card shop. Simply by opting for a quality wedding card company online.

A good wedding card company blends the best of tradition and modern convenience. It packages afresh the motifs that you would find at the local shop and delivers them in a smart, timely manner. You get a card in a traditional design, printed using the finest materials, and delivered right at your doorstep, thus saving you precious hours at the printer's. This is why many people are opting for the convenience of a good online card company.

When it comes to a card company, you need to get a card that is designed according to the religious customs in which the wedding is to be held. In a quality card company, you can find card designs that represent all the major Indian religions-from Hindu, to Islamic, to Sikh, to Christian. The company makes sure that each of the traditional motifs of these religions is represented in their respective cards.

The convenience of browsing an online catalogue is immense. You get a variety of card designs and color choices, and all you need to do is make your selection and make the online payment. You can customize the message you want according to your language choice. For the South Indian wedding, you can get the message written in any of the South Indian languages.

The pomp and glamour associated with an Indian wedding is showcased by a quality wedding invitation. Save yourself the bother of chasing your local card maker and opt for the convenience of an online service that provides beautifully designed Indian wedding invitations.

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With the economy still down in the dumps, many people are finding it hard to find room in their budgets for "extra" items like wedding gifts. If that describes you than you're in luck! Here are some cheap gifts that look expensive and are very useful for newly married couples.

A large part of a wedding budget is the photographer and for good reason. Every couple wants to have tangible memories of their special day. This is why frames make a perfect gift for new couples. I know what you're thinking, "Frames? But they are expensive!" It all depends on where you get them. Oftentimes department stores such as Kohls, Sears, or JC Penny will put their frames on sale or even clearance. If you combine a sale with a store coupon, such as a ten dollars off fifty dollar purchase or similar, frames can be very inexpensive. Another avenue to look for frames is garage and yard sales. Of course, if you go this route you need to closely inspect the frames to make sure they are nice enough to give as a gift, but you can often find unused or new frames very cheaply. Craigslist.com is another excellent resource for finding inexpensive frames.

My mom's favorite gift for weddings is a holiday decoration basket. Now this gift requires a bit of forethought, but it is a meaningful and wonderful gift for a new couple. After each major holiday during the year, St. Patrick's Day, Easter, Valentine's Day, etc. check out the clearance and sale holiday decoration items. Oftentimes you can find beautiful dishes, tablecloths, wall hangings, pillows, and centerpieces for seventy-five percent off or more. My mother fills a large basket or plastic storage container with some kind of decoration for each holiday and usually spends, maybe $20-25 on a gift that is easily worth over $100. Part of the appeal is that this gift can easily be personalized depending on the couple. For example, if you know they are Irish, perhaps you could simply focus on St. Patrick's Day and get them a whole basket of decorations and dishes for that holiday. Or if they are getting married around Christmas, plan ahead and put together a basket of Christmas decorations. Last year, Oriental Trading Company offered all of their personalized ornaments for around two dollars each. Since they weren't dated, I purchased some and personalized them for a few couples that I know are getting married this year. This idea doesn't just apply to holidays either, if you know of a hobby or sport the couple likes you can search thrift shops, Craigslist, and clearance sections for items that would fit into practically any category. With a little foresight, wedding gifts don't have to be a huge item in your budget and can be wonderful expressions of celebration for the bride and groom.

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Did you know that approximately 90% of luggage sold in the USA is black? This becomes very apparent when you are standing at the luggage carousel trying to determine which black bag is yours.

There are many products available to help you identify your bags. Luggage tags are the most popular travel identity product, with many options available.

Brightly colored humorous luggage tags have really been a hit with travelers and gift givers. You will spread good cheer with your fellow passengers when they see your funny bag tags. A few examples of the humorous tags available are:

• You won't look good in my clothes
• Take my luggage, do my laundry
• Not worth taking
• Not your bag!
• Does this bag make my butt look big?
• Please don't take my bag, I'm too old to chase you

These humorous tags are great gifts and party favors. Many couples purchase funny bag tags for their wedding guests, the guest will always smile when they remember the wedding.

Alphabet luggage tags are a favorite choice, allowing the traveler to put an initial or two on their bag. The alphabet luggage tags are available in upper and lower case in bright colors with a variety of font options. Many teachers select alphabet tags for each of their students as an end of the school year gift to use on their back packs, school bags or luggage. In addition to alphabet luggage tags, number tags are a good choice for trips where you require multiple bags - just attach a number to each bag and you can do a quick inventory when you arrive at your destination. Number tags are a great party favor for childrens birthday parties.

If humorous and alphabet luggage tags don't appeal to you, there are tags with graphic images - cute, inspirational and travel related. You will find luggage tags in any color you like.
Some of the styles are:

• Emoticons
• Modes of Travel
• Kids sports
• Punctuation

The luggage tags, whether humorous, alphabet, number or those with graphic images are made of durable plastic. Most tags have a window on the tag back with an I.D. information card to write your contact information in case your bag is lost. A standard size business card will fit in the back window of most tags sold. To attach the tag to the luggage or bag, a vinyl attachment loop is included. Attach the tag to a handle or strap so that you can quickly find your bag at the airport.

Whether you are looking for a tag for yourself, a gift or party favors, there are many tags available on-line and in gift, luggage and travel stores. If you own a retail store, luggage tags are a great category to capture additional volume and add a lot of fun to your store. There are also gift sets available with tags in gift packaging paired with travel locks, luggage straps and handle wraps.

Finally, bag tags make an excellent gift with a gift. Wrap a present and add a bag tag to the wrapped package as a gift tag that the recipient can use later. The gift will stand out from the rest.

For more information on humorous, alphabet, numbers and graphic image luggage tags visit http://www.inventivetravelware.com

Get going!

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There are hundreds of live wedding bands advertising their services so here are 10 points to consider when choosing a band.

Musical Ability. This is arguably the most important factor when booking a band, and is also probably the only factor that will be recognised by your guests. Many good bands will have backgrounds in top music schools or performing with 'big name' artists. This does not guarantee quality but it is a very safe bet. It is the band's ability to cover your favourite tunes in a musical way that will make or break the performance.

Repertoire.  A good wedding band should have a broad repertoire, and be flexible with it in order to be able to cater to a variety of styles. Bands that can cover a bit of everything (soul, pop, rock, modern chart, 70s, 80s and even jazz/swing) will be the most flexible as they can tailor their performance to the exact specification of the client.

Experience.  The ideal band will have played at many (possibly hundreds) of weddings before and will have come across most situations. The band will then be able to adapt to a last minute schedule change and they will know when and how to change the set list to cater for the audience. There is no point in playing a set of 60s rock 'n' roll if everyone wants to hear '80s pop!

Professionalism. This is paramount at a wedding as this will be the biggest day of their life for most clients. It can't just be treated as "another gig" to get through. Most people who book a live band for their wedding will never have booked one before, and will probably never book one again, so the band should guide the client in all aspects of the booking including schedule, equipment, repertoire, size of band etc. No two weddings are the same and a good band will understand this!

How do you choose a band from the hundreds on offer?

The most important thing is to DO YOUR RESEARCH. The first place to start is the internet. A good professional band should invest in a good website, good demo recordings and good advertising, so they wont be difficult to find. Ask the band where they have played before and how many weddings they have performed at. Speak to the band manager on the phone too, or even meet in person. This will give you a good idea into how professional they really are.

How do you compare prices between the bands?

You should ask for a FULLY INCLUSIVE quote from all bands and ask them to list what is included. In addition to the musician fees they should always include a PA system, stage lighting, background music between sets and travel expenses. Always check how much live music you actually get for your money too as some bands will quote for 120 minutes (2 x 60) and some will quote for 90 minutes (2 x 45).

Can you view a band live before booking them?

Unfortunately most professional wedding bands do not have live public performances that you can view them at. It is always worth asking though as you may be able to view them at another wedding or possibly a public showcase if they have one.

Should you book through an entertainment agency or direct with a band?

Entertainment agencies are a good way to find bands as they will work with bands on a regular basis and will know exactly who is good at what. You will usually pay a little more (20% on average) for a band from an agency though, so if you are on a tight budget it may be best to book directly with a band. If booking through an agency always make sure that they clearly state the commission they are charging and ask who the contract will be with; the band or the agency. This could make a big difference to how your booking is dealt with and the level of come back you have should something go wrong.

How much should you expect to pay?

Most well established, PROFESSIONAL wedding bands will fall into the region between £1000 and £2500 and the price will depend on the size of band and the distance they need to travel to your event. Bands that charge a very small amount may be inexperienced, have no contract or insurance, and are probably not full time professional musicians. You should always ask what is included in the package and what level of protection the band's contract gives you.

Why should you choose a live band over a DJ?

A live band gives much more of a 'wow factor' than a DJ and will often make or break the evening party. DJs are definitely useful at what they do, and in some cases will be more suited to a wedding than a live band, but nothing can beat a live band for the energy, crowd interaction and sheer enjoyment factor!

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I just got off the phone with Southwest Airlines.  Booking a flight to San Francisco was a breeze.  I'm flying out to the bay area in April for a wedding.  A good friend, Babe (yes that's his real name) is settling down, tying the knot and marrying the girl of his dreams.  While sorting out my travel plans I took a close look at the calendar and I realized a huge milestone was about to be crossed.

It's close to the end of the quarter and suddenly some of the market volatility is making sense.  I believe the recent rallies in the market are being caused by large funds dressing up their portfolios.

What do I mean by that?

Every investment manager's graded on their performance at the end of every quarter - 4 times a year.  It doesn't matter if the investment manager's running a mutual fund or a hedge fund, the end of the quarter is critical.  It's like the college student who slacked off all semester only to study hard and focus when it counts - at mid-terms and finals.

You're probably asking yourself why the end of the quarter is so important to these guys?

Remember, fund managers handle millions and billions of dollars for investors.  They're paid primarily on the size of their fund.  That's right. The more money they manage the bigger their paycheck.  A nice job if you can get it.  Naturally they don't want investors to pull money out. That would be very bad possibly leading to smaller paychecks, or heaven forbid, losing their jobs.

Every quarter these fund managers are closely examined.  How'd they do against the market?  What's in the portfolio?  How's their performance? Next Monday is the end of the quarter and these fund managers are going to do everything in their power to make their portfolios look good.

So what do they do?

Most of the investment dollars out there are invested long only (meaning they want the market to go up in value).  So, fund managers want to see their investments rally and provide good performance numbers. These managers engage in "Window Dressing".  They dump small lesser-known stocks and anything performing badly.

Think about it, who wants to see millions of shares of Bear Stearns in their portfolio after the collapse?  Then they do their best to prop up stocks. They make the holdings look better by buying more and bidding up the price.

Is this legal?

Remember we are dealing with very smart people.  They won't push a stock higher on the last day of the quarter.  No.  That's just too obvious. Instead they will start bidding the stock up a few days prior to the quarter end.

I think a better question to ask is:  "Is this the right thing to do".  Clearly the answer is no.  I firmly believe that this portfolio window dressing stuff is disingenuous.  Despite my feelings, it still happens.

Do fund managers really have the power to move stocks that much?  Of course they do, they manage enormous amounts of money.

Their buying and selling can have a huge impact on any particular stock. The impact is magnified on small and mid cap stocks with low trading volumes.  Fund managers know this.  Why do you think they slowly build into and out of positions?  A big buy order hitting the market would drive the price up significantly.  A sell order has the opposite effect.

So I wouldn't look at this latest rally as a sign of a market bottom.  I still think it's a bear market rally being driven by quarter-end window dressing from money managers.  I would expect the rest of this week to whipsaw as major institutions pretty-up their portfolios.

Can we make money on this phenomenon?

The best way to make money in this market is to stick to your convictions.  We're in a confirmed bear market.  The best way to trade during these times is selling into a rally and buying on the dips.  I'm holding tight to my Nasdaq put options.

Buying near the money options on the various market indexes is another way to profit from these moves . . . just make sure you're on the correct side of the trade.  Lastly, for those investors with long term horizons (5 years or more) now might be a good time to start averaging into quality stocks and ETFs.

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Can a wedding invitation really manage to be tacky? Sadly, it can! There are many well-meaning couples out there who in trying to be romantic or clever end up designing an invitation that turns the stomach of the guests who receive it. These are the things that make wedding invitations tacky, and how to avoid making the same mistakes.

First of all, it is important to understand that whether or not an invitation is tacky or not has nothing to do with what it cost. An inexpensive invitation can be elegant, and a pricey one can be done in exceedingly poor taste. It is what is written on the invitation and how it is made that counts. Original wording and "clever" images tend to be among the top offenders. Compare these two types of wedding invitation wording: "Mr. and Mrs. Walter Hall request the pleasure of your company at the wedding of their daughter Sarah Ann, etc., etc." is as classic and timeless as a pair of pearl earrings; in other words, it is tasteful, and like pearl earrings, fits any style of occasion.

Then there is this: "On this day we will marry the one we laugh with, live for, dream with, love. Come and witness Sarah and John as they start their journey together with one heart, etc." Blech! Too much information, and too personal. It is also redundant; if you are getting married, people assume that you are in love, it is not necessary to spell it out in syrupy prose. You may think it is romantic, but most of the guests will find the wording too saccharine. All that really should be written on a wedding invitation is the basics of who, what, where, and when. The "why" part is self-explanatory.

Being too cutesy is another common thing that makes a wedding invitation tacky. Just because they offer "Precious Moments" wedding stationery does not mean that you should choose it, even if you really love large eyed child figures dressed as a bride and groom. Another common trap is getting carried away with overly cute photos of the bride and groom. While personalizing your wedding stationery with your photo can be a nice detail, they should not be captioned like they were part of a scrapbook. Especially not if the captions are puns playing on the themes of love. Save that for your actual wedding scrapbook, and include a single elegant photo on the invitation.

Tackiness can also come in the form of poor manners. A perfectly lovely engraved wedding invitation can become tacky with the inclusion of bridal registry information on it. Using your wedding invitation to snub a family member for not giving you enough money is also always in poor taste. When in doubt, the best thing that a couple can do is to stick with a classic invitation and simple wording. You can never go wrong with that, and no one will find you tacky!

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If you have used a photographic service that specializes in portraiture for kids, you already know that it can be an expensive proposition. Furthermore you will only be offered prints from a very limited number of exposures. Even if you like the results (there's usually at least one photo you have to have) your photographs will look like stock images. There is little creativity displayed in the portraits that come out of studios. After all, if the photographer has known your child for only a few short minutes, how can he or she capture their essence?

With a little effort on your part, and some patience, it is possible to create portrait shots of your children, whether infants or toddlers, or older, that really stand out and which you will treasure for decades.

Photographing Infants
Until they can get onto their feet, or hands and knees, and make their way out of the frame, you are dealing with an infant. This is the one great advantage that infants offer over toddlers: they aren't going anywhere, so you can take as much time as you need to get the shot.

Contrary to the approach of the professional kids photographer, the one thing you will not need to put together to get started is a studio. But you will need to gain mastery over your lighting conditions. This need not be overly difficult. Look around your home for a large window, preferably a low-set one, through which an abundance of light pours in from outside. Not direct sunlight, of course. If that's the case, you'll need to find another window, or do the shoot at another time of the day.

You will be using the area in front of the window, about six feet back from it, as your staging area. So clear away any furniture and give yourself lots of room to move around. You will be shooting pictures side-on to the window, so that the light is streaming in either from your direct left or right. Your child will likewise be sitting sideways to the window, or slightly facing it so that one half, or three-quarters of their head is strongly illuminated. Remember, this is not direct light you are using, so there are not going to be any shadows. But there will be gradations of natural light that add depth to your images.

Set up a play area for your child. Use a large white sheet, or blanket if you have one, to cover the floor, and dress your child in light-colored clothing. I suggest waiting until your child is at least old enough to sit up and occupy themselves with a toy before doing photo shoots, but it's not absolutely required. If you will be photographing a child unable to crawl, your best bet for a good photograph is to get down on the floor and photograph from their level.

Otherwise the easiest approach is to set up a tripod, frame the scene to be photographed, and then you can work away from the camera, using a cable to fire remotely when you see the shot. You don't need to be obsessed with having your child look into the camera for every shot. That's unlikely to happen unless you are playing peek-a-boo with the camera (which is certainly not a fruitless approach). If you catch them looking up, thoughtfully, or looking out the window, or looking at you, get the shot.

Do not use a flash to get your shots. You want natural lighting only. To be able to shoot like this you'll need a fast lens, like a 50mm prime lens, such as an f/1.4, opened up to maximum aperture, or a stop less to gain extra depth of field. Be sure to focus on your child's eyes, the only part of the image that absolutely has to be rendered sharply.

Use common sense when choosing whether or not to begin photographing. If your son or daughter are not in the best mood, shut the session down and come at it another time. If you persist in trying to get pictures when there is no chance of a smile, then the only result can be lackluster images and an unfortunate sense that this waste of time is probably not worth repeating in the future, which would be a shame for not only you but everyone else in the family who is likely to enjoy your photos for years to come.

Photographing Toddlers
Once your child is on the move, getting a great shot can be challenging, as they rarely want to remain still for you. But there are things you can do to improve your chances of success.

If you are very lucky, and have been blessed with that rare child that can appreciate the value of a good photograph, or at the very least is receptive to instruction, you can dress them up and pose them in naturally lighted scenes. But good luck to that. They might do it once, but their fascination with the process is likely to fade by the second session.

So you might want to consider giving up on the idea of a structured session. Instead, think about what it is that your child likes to do, and make it your goal to capture candid shots. Your best chance of making this happen is to photograph them while they are highly absorbed in an activity they love.

Again, use a fast lens to take pictures in natural lighting. I recommend a 50mm prime lens, and then cropping the image in your imaging software if you have captured too much of the background. Prime lenses can be very sharp optically, and if you are shooting fast (low shutter duration times of 1/125th of a second or less) you should not be seeing many blurred shots. If you do, consider increasing the ISO setting on your camera to make your image sensor more sensitive to light. This adds graininess to your images, but a grainy shot can be quite acceptable. A blurred shot never is.

When you compose your images, look for the moment when an emotion plays across your child's face. It really does not matter too much what the emotion is. Bemusement, surprise, the wrinkled face of suspicion when they catch you watching them. Sudden joy, or even a moment of thoughtful reflection. You can take great photographs of your child eating a waffle, using a long stick to poke with reservation at a crab, or simply building with pride their tallest rock pile ever. Fortunately the possibilities are endless.

Consider also the possibility of converting some of your images into black and white. Desaturating the color spectrum often helps to improve the photojournalism aspects of a photograph, and in a very real sense, this is what toddler photography is all about - recording their journey through childhood.

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The wedding date is set. You have everything scheduled, now you want to make your wedding invitations. Should you get one of those DIY wedding invitation kits.

I have found that you don't need those kits. You can easily make your wedding announcements with basic card packages. Making your own DIY wedding announcement kits is easy.

First, determine if you want invitations that are folded, flat, seal and send or from a kit. Then decide what wording you will use. This will depend on who is hosting the wedding. By learning some of the proper invitation etiquette you can save hurt feelings.

There are so many situations that is impossible to give wording for your invitations. Try to learn some of the proper etiquette and you will know what wording to use. Now that you have the wording taken care of what next.

If you have a local print shop that is a good place to start for paper stock. Ask if they have any envelopes that can be used for invitations. Many times they have odd amounts of envelopes. I worked in a print shop for years. We even owned two. At any given time they usually have some boxes of opened envelopes. These come with 250 envelopes in a box and cases of 1000. If they have a box with only 150 they will usually sell them. You may have to count them as they don't like to waste time with that many.

Once you have the envelopes you can get card stock cut to match the size envelopes you have. Get two sizes if you are doing an invitation and an RSVP. If possible get stock cut for you reception cards at the same time. Usually your reception cards match the RSVP with no envelopes for them.

If you are wanting to make your wedding announcements more economically try the seal and send invitations. With these you can check with your local print shop. If they have cardstock they can cut to 6 x 14 inches this will work. You can easily get your information on these.

If you do the seal and send you will have return post cards for RSVPs. Adding a perforation and score points will be easy. There are several ways to do this.

As you can see you can make your own DIY wedding invitation kits. You can make your wedding invitations and still have nice announcements. Get the stock you want and then learn how you can make your wedding announcements.

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Thanks to its incredible coastline, California yacht weddings are a great way to express your love of the Pacific and your spouse-to-be. If you're planning a nautical wedding, continue reading for a rundown of recommended yacht wedding charters in California, along with a few hints and tips that will keep you clean and dry on your wedding day.

Admiral Yacht Charters in Newport Beach, CA

Located in Newport Beach, Admiral Yacht Charters specializes in California yacht weddings. Their packages include a private yacht, wedding decorations, a bridal room, ceremony and reception. The company has two yachts in their fleet and prices range from $7000 to $17,000 depending on the time of year and number of guests.

Because the company specializes in weddings, they tend to book up fast, so brides should be prepared to lock in early for their desired date.

Hornblower Weddings

With locations in San Francisco, Berkeley, San Diego, Marina Del Rey and Newport Beach, Hornblower Weddings are able to offer a wide variety of yacht wedding packages to brides across California.

The prices at Hornblower aren't the cheapest in California, but they're still reasonable. Brides can expect to pay about $150 to $160 per guest for a standard package that includes a sit-down dinner, drinks, a DJ, ceremony and decorations. The Hornblower fleet is made up of 25 vessels, ranging from small and intimate (20 guests) to massive (up to 600 stand-up guests).

Electra Cruises in Southern California

Electra Cruises are a combination wedding consultation firm and yacht charter services. They can use both their own fleets or a network of vessels in Southern California to find the right ship for you and your guests. The company also helps to plan, decorate and consult with you to make the day perfect. The biggest appeal? Their packages include extra staff, like a photographer and DJ.

Electra Cruises is popular for a reason - they offer stellar yacht weddings at incredibly low prices. Brides can expect to pay $6000 and $16,000, depending on the vessel, day and number of guests, but their average price is about $80 per person for a Saturday wedding. However, while the company provides a photographer and DJ, the cost doesn't include a host bar. Expect to pay an additional $12 to $14 per person for bar services.

Hints for a Great Yacht Wedding

California yacht weddings bring both the beauty and the dirt of a ceremony at sea. Rather than drag your dress through the dredges of a local port, look for a yacht company that offers on-board change rooms and choose a dress with a reasonable hemline and no train.

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