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Expensive and exquisitely beautiful jewelry materials such as diamond and gold rings, watches, certain antique jewelry and precious stones are always subject to theft and other risks that would result in the loss of the item or decrease the value of the same.

Another risk could be the accidental damage and loss in fire or theft of these sentimental and expensive items. This can certainly result in unwanted and extreme psychological and physical torture. The multi-dollar question that you should consider is: How much and why is it very important to have jewelry insurance in the first place?

Firstly, it may helpful to know that comprehensive jewelry cover is primarily provided by the insurance firms at somewhat low premiums with even some providing full accidental compensation for damage and loss depending on the cover chosen. These insurance policies target all forms of jewelry cover groups ranging from low-value to high-value products. Generally, most insurance firms would target large or quantitative assets such as houses and automobiles coupled to life assurance, thereby lacking in expert high-value jewelry insurance systems.

Secondly, do note that deciding on the right insurance firm to handle your protection needs is mostly pegged on policy flexibility coupled to the current rates on offer. Most jewelry insurance firms cover the basic repair expenses on damaged products right up to competitive repayments on placing claims. However, the important criteria protocols attributed to the coverage details, time for claim and the claim process should not be left out too and should be considered carefully with a fine tooth comb.

Consult at least two expert jewelry insurers before insuring your jewelry based on the two main coverage policy types. These would include Blanket coverage as well as scheduled property policy type. The blanket policy does not necessarily require an appraisal of insured pieces under the renter's policies unlike the scheduled property that requires constant appraisal to ensure that it is still in accordance with the basic requirements. Based on all the above fundamental information, an individual will be in a better position to address the question why it is important to have jewelry insurance.

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Engagement season is upon us, and at this time of the year, many proposals will be made. An engagement ring is part of many proposals, or in some cases may be selected jointly by the couple after the betrothal has become official. There are some things which men and women should know about this most significant piece of bridal jewelry. These are the top engagement ring dos and don'ts:

Do: Try to get a sense of your girlfriend's taste in jewelry if you plan to surprise her with a ring. You might do a little pre-shopping with her, if the proposal will not be a total surprise, as is often the case. Or a man can enlist some advice from his girlfriend's best friend about style. Paying close attention to your girlfriend's everyday style is another way to get a sense of what should will like in bridal jewelry. While the classic diamond solitaire is beautiful, it is far from your only choice, so be sure to consider other options.

Don't: Exchange the ring. Ladies, it is a nervewracking experience for a man to walk into a jewelry store a pick out a ring with which to propose (not to mention how nervous the proposal itself makes most guys!). You had better believe that he put a lot of thought into buying your engagement ring, and to return it for a different style is highly insulting. He may well say that you can exchange it, but to actually do so would be heartless. No matter what the ring looks like, profess your love for it, because it was given with love.

Do: Spend as much as you can to get a very high quality engagement ring. Engagement rings are worn every single day, and experience a lot of wear and tear. Choose a ring made from a durable material such as platinum or die-struck gold, over a lightweight casting. Look for secure prongs and good finish work on the setting. And invest what you can into a high quality diamond from a reputable seller.

Don't: Overspend based on artificial guidelines created by the diamond industry. If you can afford to invest two months' salary into a diamond ring, wonderful. For that matter, you can spend more, if you have the cash. However, do not feel like you have to go into debt to achieve a certain standard, or that your gift will be inadequate if you spend less than the guidelines. Buy what you can afford. Many jewelry stores also offer services like no-interest layaway, if you do not need the engagement ring right away.

Do: Be practical as well as romantic in your choice of ring. Certain gemstones have the durability to last for generations, while others are too fragile for everyday wear. The best choices for gems are diamonds, rubies, and sapphires, which are the hardest stones. Be wary of softer gems such as emeralds or tanzanites, which are likely to chip, abrade, or fracture from daily use. Also keep in mind that low settings are easier to wear than ones which hold the diamond very high and that smooth settings, such as bezels, are ideal for women who wear gloves to work like doctors and nurses.

Don't: Forget about paperwork. Your engagement ring should come with an appraisal, which can then be used to get insurance for the jewelry (add a rider to your homeowner's or renter's insurance policy). Many diamonds will also come with a document called a certification. The "cert" should be done by a respected independent gem laboratory like AGS or GIA, and it gives the details about the color, clarity, cut, and carat weight of the diamond. Always inspect the certification first, if you are considering purchasing a diamond online. Better yet, work with a local jeweler whom you know you can trust and who will be there to help you choose wedding bands, bridal jewelry, and maybe even a ring for your wife when your first baby is born.

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There's nothing that compares to the beautiful glow of a silver ring on your finger. Have you ever wondered what kind of work goes into the jewelry you buy?

Pure silver is a very soft metal, nearly as soft as pure gold. For this reason, silver is almost always used in alloy form, meaning that it is mixed with a small percent of some other metal to help harden it. Sterling silver is the most common and well-known alloy of silver, consisting of 92.5% silver and 7.5% copper, although other alloys do exist.

Shaping the Metal

Many people imagine all metalworkers in the same light as blacksmiths and steelworkers, surrounded by roaring fires and molten metal. This is not the case for precious metals used in jewelry making - these are generally worked at room temperature with special tools designed for shaping the delicate metals.

Silver has a very neutral color, which makes it ideal for engraving or otherwise shaping into designs, letters, or even full pictorial scenes, since the color will not distract from or obscure the work. Many silver rings feature delicate designs that draw attention to a central stone or image, or are smooth and shiny so that the central feature can take center stage

Gemstones and Soldering

Gemstones have always been a popular part of jewelry, and rings are definitely one of the most common pieces to feature gems. Some precious stones are set in a claw-like setting that raises the gem above the finger, such as the traditional image of an engagement ring. Turquoise is common in silver jewelry, because it evokes a traditional Southwestern look. Stones like turquoise are often mounted flat, which makes this style ideal for people who work with their hands. Precious gems, such as the traditional solitaire engagement ring, are often mounted in a raised frame to accentuate their beauty.

Another popular method of decorating a piece of silver jewelry is to attach pieces of precious metals to it by soldering. This is a method using heat and a special metal alloy to seal the two pieces of metal together. Soldering is used for numerous purposes in jewelry making (including sealing a ring into the necessary circular shape). When used for decoration, a silversmith will create a shape or design, such as a heart, cross or star, from one piece of precious metal, and then use a small amount of solder to attach the design to the jewelry piece.

Plating, Polishing, and Finishing

We have all heard of items being silver- or gold-plated, or covered with a thin layer of the metal. Plating is a common practice in jewelry making for several reasons. If price is a factor in the making of an item, it can be made with cheaper metals and then plated with a precious metal to keep cost down while still maintaining the good looks of precious jewelry. Quality jewelry made entirely of precious materials may still be plated, however. A sterling silver item may be plated with pure silver to give it extra shine. It's common for gold to be plated over silver in order for the gold to have more stability.

The final step before a piece of jewelry makes its way to an adoring customer is inspecting and polishing. Each piece is checked carefully for defects and then polished to a high shine. It is now ready to wear!

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Diamonds are a type of gemstone which is coveted by individuals throughout the world. Whether fixed in a beautiful setting as an engagement ring or comprising a lovely tennis bracelet, diamonds have a look all their own. Although most individuals see this type of gem placed in a setting, there are others who get to see the pure aesthetic value of a diamond alone, without being set in gold, platinum or other types of metal. For those who may own loose diamonds and be unaware of issues surrounding the stone, one may wonder how they can go about keeping this type of gem safe from theft, loss or other casualty. The following will answer the question of whether insurance companies will in fact insure loose unset diamonds and the factors surrounding the acquisition of this type of insurance.

Ability to Insure Loose Unset Diamonds

Many insurance companies will insure jewelry in general however when it comes to loose, unset stones, the number of insurers willing to accept that risk is extremely limited. For those who may be looking for an insurance company to take care of their insurance needs regarding loose diamonds, they may have but one option. That option is the Chubb Insurance Company. Chubb insures specialty items of which loose diamonds is one such type. Therefore, if you are interested in having your loose diamonds protected by an insurance policy, the aforementioned company might be your only option in this regard.

** Update: Chubb Insurance Company does not offer insurance on loose diamonds. They might insure a loose stone for a short period of time while you are waiting to have it set into a piece of jewelry. Always contact your Chubb agent for their professional advice. **

Why Don't Insurance Companies Like to Insure Loose Diamonds?

When looking at the fact that most insurance companies do not insure loose, unset diamonds, many may wonder why not. There are a few reasons for an insurer's reluctance to insure an item of this type. First, loose diamonds which are not bound in any type of setting are more likely to get lost or misplaced. Since they are not worn but simply kept, it is much easier to misplace this small type of gemstone than one which is worn as a necklace, earrings, ring or other type of jewelry item.

Another reason why insurance companies prefer to insure only jewelry which is placed in a setting is for the reason that it is expensive to do so. Again, in keeping with the fact that these small, unset stones are more likely to be lost than their set counterparts, paying out the replacement cost for such a diamond will add up as claims come rolling in. Therefore, the more lost diamonds, the more money which insurance companies must pay out. The best way to prevent paying out on the loss incurred by owners of these unset stones is to not insure loose, unset stones at all.

The Best Way to Protect Your Diamonds

The best way a diamond owner can protect their gemstone is to have it set and then insure the piece of jewelry.

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There is a tremendous cultural diversity within the Islamic world. This diversity is also reflected in wedding ceremonies, which vary from region to region and sect to sect. My purpose here is to find the common threads in Islamic weddings as practiced today.

The Islamic marriage is known as Nikaah, which, incidentally, is from the Arabic word akd for "to unite". Marriage in the Islamic faith is not only a social agreement but also a legal contract. This implies a "sterile", perhaps even "cold" ceremony. This is not the case. Beyond the actual formalities that must be met, Muslim weddings are actually quite festive.

The first thing I wanted to learn was who officiates an Islamic marriage since Islam does not recognize any official clergy. I was surprised to learn that any Muslim with a thorough understanding of Islamic tradition may perform the wedding ceremony. Many, however, choose to engage the services of a marriage officer, called qazi. He acts as the supervisor of the marriage.

The formalities of the wedding are threefold, consisting of the proposal, the mahr and the nikaah

The proposal frequently goes beyond the man asking the woman for her hand in marriage, it extends to her family also. Islam does not require this but it is considered an act of respect to the woman and to her family and is strongly encouraged.

The mahr is, in its simplest terms, a gift, freely given, to the bride by her husband. Unlike the proposal, this is mandated by the Quran in Surah 4:4. Quoting from Abdullah Yusuf Ali's English translation, "And give the women (on marriage) their dower as a free gift; but if they, of their own good pleasure, remit any part of it to you, take it and enjoy it with right good cheer." Clearly, the mehr is a gift to the bride. In the course of my research, I discovered conflicting traditions that suggested the gift was to the bride's family. Dower, by definition, is a gift from the groom to the bride. I believe these are cultural differences, but, bottom-line, such gifts to the family are not mandated in the Quran. The mehr is thought to be an insurance policy of sorts, to provide for the financial security of the bride in the event of the death of the husband or divorce. The couple, not the parents, must agree upon the mehr. The mehr is the bride's right as stated in the Quran and it is a gift, freely given and not the bride's price.

The nikaah ceremony, the equivalent of vows, is very simple and straightforward. The bride says, I have given my self away in Nikaah to you, on the agreed Mahr." The groom immediately responds, "I have accepted the Nikaah." The marriage contract is signed and they become man and wife.

In some cultures, the wedding festivities last five days. Day one is dinner with the girl's family and day two is dinner with the boy's family. Day three is the Mehendi ceremony, which is for the bride and her female friends. This ceremony typically takes place at the bride's home. Mehendi (henna) patterns are used to adorn the feet and hands of the bride. Day four is the actual Nikaah ceremony. Day five, the couple dines with the bride's parents and the groom's family hosts a feast (Valimah) for friends and family.

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Turn on your computer or television these days and the chances are you'll come into contact with some kind of advertisement, article or website about insurance comparison. Despite being a relatively new feature within the finance sector, comparing the cost of insurance via various online search engines and companies has seen unprecedented growth in the region of 50% year on year. But why is insurance price comparison so popular and what's it's key to success?

Firstly, the number of products consumers can compare prices on is a big selling point. Whether you're looking to save money on your life insurance, shop around for a better deal on car insurance or even insure your home for the first time, comparison websites offer a plethora of products to meet different people's circumstances. Such sites even go beyond the more generic insurance products such as life or car insurance and even compare prices on more specialist options such as wedding insurance or golf holiday cover.

Price comparison's success lies in more than just a wide range of products. Doing exactly what it says on the tin, comparing prices is the aim of the game. Since people are able to save hundreds, possibly thousands of pounds, the lure is very much in the ability to save money quickly and easily. Websites such as these take pride in their ease of use and that the speed of any form filling takes just a couple of moments to do. Given consumers can save a bundle on their insurance products and the process takes relatively no time at all, the popularity of price comparison is easy to see.

Finally, if good prices, quick service and plenty of choice wasn't enough to convince consumers, price comparison can also be completed at a time, date and setting to suit you. Many years ago shoppers would have needed to seek out a financial adviser, turn up at a bank or take time out of their hectic schedules to shop around for financial products. Now this kind of activity can take place in the home where you can compare life cover or other products at a time and pace that suits you before getting the cheapest price on the market in seconds. Some websites have even gone so far as to securely and confidentially hold onto your records so you can dip back into your quote when necessary or after you've considered your options and are happy to proceed.

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Employers must provide workers compensation insurance for their restaurant employees in the event they are injured or become seriously ill while on the job. For this reason, having higher standards of safety will greatly reduce the amount of claims filed and save employers a substantial amount of costs, including time lost to employees who can no longer perform their duties or report to work.

Let's first look at the general hazards found in most kitchens:

Food preparation
Slip and Fall
Strains and sprains
Fires, Excess heat
Burns
Excessive cold temperatures
Knife safety and Cut hazards
Electrical
Hazardous chemicals

Though restaurant managers are responsible for properly training their employees on safe operating procedures, it is up to the employee to be mindful of their actions to minimize their risks. Here are some tips that all restaurant employees should keep in mind to protect themselves from harm.

Food Preparation Hazards in the Commercial Kitchen

Individuals that primarily perform food preparation tasks can suffer cuts, amputation or perhaps even strangulation if they are not careful. Food can become contaminated if it comes into contact with the bodily fluids of the food preparer. Precautions should be taken to insure that tainted food does not make its way to the customers.

Slip and Fall Hazards

Wet and slippery floors are common in a commercial kitchen, but there are several things employees can do to protect themselves:

Report any spills to a manager on duty
Mop up immediately after a spill
Place a sign nearby indicating a spill has occurred
Caution others who may be unaware that the floor is wet

OSHA has standards that require certain behavior from managers to protect employees and customers.

Strain and Sprain Hazards

Commercial kitchen employees are at risk of strain and sprain injuries because they often perform the same tasks every day. Learn what employees and managers can do to help reduce the incidents of lost work due to pulled muscles or strained tendons.

Restaurant Fire Hazards and Excessive Heat Dangers

Learn some of the common causes of restaurant fires and what employees and employers can do to minimize the threat. Because fire and excess heat are commonly required of most kitchens, this poses a threat when sources are left unattended, or grow out of control.

Heat-related illnesses and injuries are a common threat faced by commercial kitchen workers. Stoves, ovens, and hot lamps all contribute to injuries and possible food-related illnesses. Learn more about the specific dangers and what managers and employees can do to protect themselves and others.

Common Burn Hazards

Cooks, servers and dishwashers are all subject to potential burns in the commercial kitchen. Customers can also suffer burns from hot plates or food that is served.

Excessive Cold Dangers Faced by Restaurant Employees

Employees that help unload delivery trucks and take inventory in the walk-in cooler are most at risk for hypothermia and other cold-related illnesses. Learn what employees and managers can do to protect themselves and others when working with excessive cold.

Knife Safety and Cut Hazards

Commercial cutlery, though essential in the kitchen, may pose an increased threat of injury to employees who have not been properly trained. Knowledge of how to correctly handle kitchen cutlery creates a safer and more efficient kitchen environment.

An employee cutting his or her hand is a danger to everybody in the restaurant. Learn how employees can protect themselves from cuts and what OSHA requires employers to do to minimize the risks.

Common Electrical Hazards

Electrocution is a danger faced by all commercial kitchen employees. Learn where the common threats are and what both managers and employees can do to protect themselves.

Hazardous Chemicals and Restaurant Safety

The very chemicals used to protect customers from food borne illnesses can, unfortunately, harm employees. There are several things that restaurant managers and employees can do to protect themselves from hazardous chemicals. OSHA, for examples, requires that any restaurant using hazardous chemicals must have a written hazard communication program available to all employees. This ensures that knowledge of all hazards is clearly and effectively transmitted in order to provide protection to those working with hazardous chemicals.

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No matter how intimate the photograph of a bride and groom taken on their wedding day, one other 'character' is always present. Sometimes consigned to the background, sometimes prominently in the foreground, this particular wedding feature will shape the character and memories of your wedding for evermore. It's your wedding venue - the grand stage on which your romantic wedding scene is acted out.

Booking the venue is, for many couples, the point at which their wedding dreams turn into reality. Granted, the moment when the prospective partner gets down on one knee and pops the question is when the magic begins, but writing out a cheque for a 10% or 20% deposit means fixing a date, calculating guest numbers and remembering that Aunt Edna and Cousin Dan need to be kept well apart on the seating plan.

Shelling out hard-earned cash has a way of focusing the mind, which is why venue booking prompts many brides and grooms to buy wedding insurance. Venues can cost anything from 瞿50 for the village hall right up to 瞿20,000 for a romantic castle or a five-star hotel. In most cases a deposit will have to be paid months in advance. Commercial venues are also increasingly likely to ask whether the wedding is covered by public liability insurance, which is why so many couples turn to experts like Dave Simms, wedding insurance manager at Ecclesiastical.

Over the last ten years, Dave has insured thousands of weddings across the UK so has seen virtually every kind of venue on offer: churches, cathedrals, hotels, castles, stately homes - even ships and football grounds!

"Public liability insurance is something that lots of venues are very hot on now," explains Dave. "They want to know they're protected against damage and injuries so will ask for up to 瞿2 million-worth of cover, which is what our wedding policy and some others provide. In some cases it's definitely no insurance, no booking."

Booking the venue is an important step forward in the planning of your wedding, but from that moment, you and your venue are pretty much bound together, for better or worse - and, as Dave knows only too well, things can get a lot worse, which is where wedding insurance comes in.

Going out of business

Commercial wedding venues like hotels and restaurants are just as susceptible to financial problems as any other kind of business. In the year between a couple paying their deposit and their wedding date, it's not uncommon for a venue to go out of business - particularly in a recession - often taking the deposit with them. Not only can this leave you hundreds or thousands of pounds out of pocket, you've nowhere to hold your reception and precious little time or money to find a replacement.

Fab venue, shame we couldn't get into it

In 2007, the town of Gloucester suffered some of the heaviest flooding in its history. Luckily the town's many historic wedding venues remained high and dry, but there was one other slight problem: flooded roads meant wedding parties couldn't actually reach their venues, creating chaos all round. Venues have been put out of action in many different ways - fires, structural failures, outbreaks of food poisoning - all of which lead to unexpected costs for the bride and groom and trigger the dilemma of whether to postpone or try to find another venue only three weeks ahead of the big day.

With this ring, I thee scratch

Beautiful and expensive venues contain lots of beautiful and expensive things: paintings, vases, mirrors, handmade furniture, polished wooden floors. All too often, enthusiastic members of the wedding party forget that they're not allowed to venture into the private wing of the house or the newly refurbished Mayfair Suite and knock over a rare Chinese vase. Next thing you know it's some very angry hotel staff and a bill for 瞿3,000. "Cigar burns, broken furniture and scratched dance floors are fairly common," remarks Dave, "but we've also recently had a couple who got a very big bill when their wedding guests damaged a hot spa."

Protecting yourself makes good financial sense

With so much money at stake and so many arrangements to make, opting for wedding insurance is, for many people, a bit of a no-brainer when it comes to venues. Starting at just 瞿30 for Ecclesiastical's cover, experts like Dave Simms and his team can give you the money and help necessary to have a Plan B if your venue lets you down.

Your wedding venue is going to be an integral part of your big day and your memories of it for the rest of your life. The key is that they're happy memories of a beautiful day spent in a beautiful place. Sound planning and a good insurance policy behind you will make sure that's the case.

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You buy insurance to protect yourself against losses to your car and your house, and now you can buy insurance to protect yourself against losses associated with your beach wedding.

Several US companies are now offering this special kind of insurance and it is surprisingly cheap.

Consider how unhappy you'd be if the caterer or the baker declared bankruptcy a few days before your wedding. What if the photographer or the DJ got sick?

Most of these vendors require a hefty deposit non-refundable upfront (some even want their entire bill paid before the wedding). So, in a worst-case scenario, not only would you be faced with paying a new caterer / baker / photographer / dj, you might never be able to recoup the money you laid out in advance.

A stressful economic period is no time to get stressed out over such matters. Give careful thought to wedding insurance.

Virtually every insurance policy will insure you against the following:

    * Failure by vendors to perform their contracted services. This might include a baker who goes bankrupt just before the wedding or a restaurant that closes just before your wedding. Insurance will reimburse you for deposits or the full fee that you made to such vendors. Often, it will also take care of the cost of legal fees to collect from delinquent vendors.

    * Weather problems. Remember that the hurricane season lasts from June through the early fall and the entire east coast and gulf coast is vulnerable, as are all of the Caribbean islands, Mexico, and Central America. Coverage is for such major problems that prevent you from holding the wedding as planned or will prevent most of your guests from attending. Afternoon showers are not covered.

    * Last-minute cancellation or postponement of the wedding. Should you or the groom be in the military and called to active duty, it might be necessary to postpone the wedding. If you or a close family member could be injured in an accident, contract a sudden illness, or even die, insurance would reimburse for the deposits you lost because it was necessary to change your wedding plans.

    * Issues with the photographer or videographer. If they fail to show up or neglect to put film in the camera or arrive with charged batteries, you may be possible to reassemble everyone to create the wedding photos at a later date and receive payment for the expenses associated with this effort.

    * Loss or damage to the wedding gown. What if the bridal salon has a fire and your gown has smoke damage? What if the airline mistakenly sends your gown to Siberia? Insurance will certainly reimburse you.

    * Stolen wedding rings or wedding gifts. If guests deposit your gifts in a different room while your ceremony is underway and they are stolen, you will usually be fully reimbursed. The same holds if a thief breaks into the car transporting the gifts. And if the wedding rings mysteriously disappear, almost every insurance policy would cover that, too.

    * Professional counseling. A few policies provide for payments associated with toward counseling if you are left standing at the altar and you need therapy to work through it. In general, though, if either of you just get cold feet and call the whole thing off, you shouldn't expect an insurance company to help you out in any way.

It's a good idea to start your planning by checking the company that writes your homeowner's or renter's insurance policy. Find out precisely what is and what is not covered under your policy. It's a good idea to ask the manager of the wedding venue about any liability insurance carried. It may be that your current insurer needs only to add a simple and inexpensive rider to your existing policy.

Alternatively, an Internet search will help you to find an independent agent who writes highly specialized policies that cover almost every conceivable bad outcome associated with a wedding that you could imagine.

Your financial circumstances will play a huge role in determining whether it makes sense to purchase supplemental wedding insurance. It's generally a good bet if the money that you might lose altogether would cause substantial harm to your financial situation.

But because specialized or supplemental wedding insurance is so reasonably priced, if you are thinking of a destination or a beach wedding, it is almost always worth it. 

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If you are planning a wedding for this fall, it is time to book your honeymoon plans! The honeymoon is the perfect way to relax and have fun with your new spouse after the wedding, and there are many terrific places to go. These are some ideas for great autumn honeymoon destinations.

First let's talk about a place that is not the best for fall honeymoons, and that is the Caribbean and the beaches of the Southeast and Gulf Coast. Although the weather is pleasant and the beaches are less crowded, the fall is also the peak of hurricane season. If you have your heart set on a beach honeymoon, you would be better to choose a Pacific location, or at the very least, buy travel insurance that would provide you with a refund should your trip be washed out by a hurricane.

It is true that it is very romantic to stroll arm in arm with your beloved along a sandy beach with the ocean lapping along the shore. In the autumn, a very romantic option can be to visit a Northern beach for your honeymoon. This will not be a sunbathing trip, but rather a chance to enjoy some peace and quiet in a beautiful location. You can take long walks, collect seashells, and spend cozy evenings in front of a roaring fire at a lovely hotel or inn. One nice thing about this type of trip is that you will be able to get some excellent deals on off-season hotels.

New England is a gorgeous place to visit in the autumn, and it would be a great choice for a honeymoon. Spend time touring the breathtaking autumn foliage, shop for local crafts, and take day hikes in the mountains. The attitude is laid-back; you won't need to bring very dressy clothing, just your cozy sweaters and maybe a simple piece of your wedding jewelry to wear to dinner in a nice restaurant. You may well find yourself wanting to return each year for your anniversary!

If you are looking for a little more excitement, consider a fall honeymoon in Europe. You can enjoy the fabulous museums, shopping (perhaps a new bauble to complete your wedding jewelry set?), and restaurants that the great cities of Europe have to offer. The weather is generally pleasant in the fall, and most locations will not be quite as crowded with tourists as they are during the summer vacation months. The grand capitals of Europe such as London, Paris, and Rome are all spectacular, but you might also want to consider some of the less obvious honeymoon destinations like Switzerland or Austria.

Autumn boasts many festivals that honeymooners can enjoy; perhaps the best of all is Oktoberfest in Germany. Even if you are not a big beer drinker (but especially if you are!), this annual event is rich with music, food, and traditions. There are rides, carousels, shows, and of course, lots and lots of fine beer. Despite the name, Oktoberfest actually takes place mostly in September. For 2009, the dates are September 19 - October 4. Anyone who has ever been to Oktoberfest will tell you that it is not to be missed!

Newlyweds who prefer wine over beer will enjoy a fall honeymoon trip to Napa Valley in California. October is a great time to visit, as it is around the time of many fall harvest celebrations, including the Sonoma County Harvest Fair. See the sights, visit the vineyards, and bring home some wonderful bottles of wine as your honeymoon souvenirs.

There are many ways to enjoy the best that autumn has to offer. There is a fall honeymoon destination that is just right for any interests or budget. The best part about planning your autumn honeymoon is that it will be the perfect way to cap off the celebration of your new marriage.

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The large day is coming and right here you will see top ideas for efficiently catering your wedding ceremony or other massive feast. Plan forward when catering your individual marriage ceremony, have a time and sequence listing made out for anyone serving to in the kitchen. That means things will get finished efficiently and nothing will likely be forgotten. Permit extra time to do all the things and designate tasks.

Let the menu match the wedding. No matter you might be doing, you might have taken on a problem not only to do your greatest, however to channel your ideas and vitality into creating one of the best sort of menu for your explicit fashion of wedding. In case you are restricted in space or sources when catering own wedding, choose a style of wedding ceremony to greatest fit the type of food you'll be able to afford to serve - will it be a wedding brunch, luncheon, bridal tea, cocktail get together, dessert party, buffet, or sit down meal, casual backyard potluck, or BBQ? Keep in mind connoisseur food may not fit all types of people. Conserving issues easy is commonly the most secure strategy when catering your own wedding.

The quantity of meals you will need when catering your individual wedding will depend on the time of day as well as the typical age of your guests. Obviously a marriage luncheon is not going to require nearly as a lot food as when catering your personal marriage ceremony with a sit down dinner. The presentation would even be completely different when catering your wedding with a full sit down dinner, loads fancier. By no means serve just gentle snacks at regular dinner time, marriage ceremony guests might be hungry.

Plan your menu when catering your individual wedding ceremony so that it really works across the space that you've available. In different words, don't have too many items that require oven space. Be sure that they require the same temperature, too. Determine your required fridge and freezer space. Counter space is important when catering your own wedding ceremony in the event you'll need to plate things. For instance if it's important to ladle food onto plates, or plan to serve a variety of dainties and small tarts for dessert. Do you've got sufficient area to place all this stuff out after which switch them to serving plates?

Meals Safety is a should necessity. Scorching food must be sizzling - cooked to one hundred forty degrees F. and above. Chilly meals have to be saved chilly - 40 levels F. and below. Have you ever puzzled why caterers do not leave the meals out longer and let people nibble all evening, due to meals poisoning that's why! Use a light bleach answer to wipe down counters, do dishes etc. to prevent cross-contamination from uncooked meats and germs in general.

Try occasion rental places, they have numerous actually neat gadgets for catering your personal wedding. Big chaffing dishes just like the caterers use, huge bowls, and lots of exciting issues to make your marriage ceremony or celebration really special - even a conveyable salad bar. If you don't have the gear you want for catering your own wedding ceremony, you may lease things very moderately - even tables and chairs, tablecloths, desk skirts and overlays, chair covers and sashes, linen napkins, plates, wine glasses, cutlery, etc.

Do not be afraid to get assist when catering your personal wedding. Things take time on a large scale and what you'll be able to do for a small group at residence becomes inconceivable to handle in a quick time-frame when multiplied by a much bigger quantity of meals and the time required just to handle it. In case you are catering your individual wedding ceremony whether or not its your wedding day, your daughter's, your sister's, or whomever - get help. Rent someone if vital, give them instructions to observe so you may enjoy the event.

Examine the kitchen you'll be utilizing for catering your individual wedding ceremony if it's not your own. See what provides come with it, how a lot oven house check for racks, fridge space, counter space, serving dishes, salt & pepper, serving spoons etc. and knives for slicing, chopping and carving. Also check for soap, dish towels, and oven mitts. You may have to produce yourself with a few of these items.

In case you are catering your own marriage ceremony, will your insurance coverage cover you within the occasion of meals poisoning or could you be sued? Some well being laws in some states/provinces, require that meals served to a large crowd should be ready in a business kitchen on the premises, or offered by a caterer, relatively than pot-luck. Remember to take a look at the rules in your area when catering your personal wedding ceremony to make sure you face no legal liabilities.

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