Archive for March, 2011

Outdoor Reception

Friday, March 25th, 2011

Hosting your reception outdoors can be a great deal cheaper and a
lot more fun for you and your guests. When you host your reception
outdoors you have a lot of options as to how you want things to be.
The only downside to doing this is whether or not the weather
conditions will permit it. Because of this your reception and its
success is often at the hands of Mother Nature. Other than that, it can
be the best decision that you could make.
Outdoor receptions give you an endless supply of ideas and freedom
in how your reception will be handled. The best thing is that you can
host an outdoor reception at a hall or beautiful grounds, or you can do
so in your own back yard.
If your own yard permits it, it would be best to do it here because it is
a relaxed atmosphere and you need not worry about many of the
small details that come in when using public grounds (i.e. music).
There are many ways that you can make an outdoor reception easy
to plan, cheaper to pay for, and a great deal of fun. Of course, there
are small formalities that go with it as well.
I have developed a to-do list for you as well to help you to make the
most out of your outdoor reception.
Reception to do List
You have to start with a thorough to do list when planning an outdoor
reception because this will keep your affairs in order. When creating
your list, you have to consider having a contingency plan. The reason
for this is to accommodate bad weather conditions that may prohibit
your reception from taking place at all. Or having your reception
ruined due to a thunderstorm or severe winds.
Here is a sample to do list for you to look at so that you will know all
of the things that need to be considered. The list will include what
needs to be done, and why it should be handled.

To do list should include:
• Renting tent or gazebo and decorating it. Make sure that you
confirm your rental date at least two weeks ahead of time or
sooner if you can.
• Renting tables and chairs. It is cheaper when you set them up
yourself
• Getting regular updates on the weather. Of course, you should
have a contingency plan just in case the weather does not
permit an outdoor party.
• Getting any miscellaneous items such as extension cords etc.
• Hiring a DJ or band and confirming
• Deciding on food items and drink and who will prepare what
• Getting permits that may be required in serving alcohol
• Getting permission from neighbors. You don’t want them
complaining about the noise and the parking situation (invite
them too). Of course this rule applies when you are hosting
your outdoor reception in your backyard.
These are some quick tips for your to do list. Of course, you will also
want to know how you can possibly save as much money as possible
on this event and the tips and ideas are literally endless.
Perhaps the best reason to host an outdoor party is because it will
take care of the smoking problem on its own. When you host an
outdoor reception, there are so many choices that you can make on
what to do and serve your guests.

Wedding Filming

 

Planning the Reception

Friday, March 25th, 2011

Great deals can be found when you know how much money you are working with. It really doesn’t matter how small your budget is for the
reception because all budgets can be accommodated. Your reception budget should consist of approximately 30% of your
wedding budget or more. Most wedding receptions are so expensive due to the fact of providing meals, decorations, hall rentals etc.
For the purposes of this guide, I will give two different examples of common receptions and an idea for cutting costs on the food and
drinks as well as give you the best tips for throwing your reception on a budget:

Renting a Hall

If you prefer to rent a hall or space for your reception, you mustconsider many things before making this decision. You will have tothink of the prices for the hall rental, the cost of using their servers(most halls include servers in price and they are not negotiable),decorations, flowers, meals, drinks etc.When you wish to rent a hall for your reception there are some thingsthat the hall will include in your rental that you can’t avoid paying forsuch as: servers, decorations, and wine. However, some halls willgive you the option to pick and choose the extras that you want.Depending on the type of hall that you choose to rent, the costs canvary greatly. For example, if you rent a large hall, you could pay morethan if you rented a legion hall.You might also want to consider that if you are starting with a smallbudget, that renting a hall might not be worth the effort and money, orit may leave you with less options. There are a few tips when renting a hall that could keep a great deal of your costs down. Let’s take a look at them.

1. You should only consider renting a hall if you have invited 50 or
more people to your reception.
2. When renting a hall, you have to decide if you are opting for a cash
bar or an open bar. A good compromise is to purchase a few cases of
beer on your own and host a cash bar for those who want mixed
drinks if you are trying to keep costs down.
3. Rent a hall that you can decorate yourself
4. If you must have servers, rent a hall that includes servers in the
price of the rental or go with a hall that lets you bring your own.
5. Choose a hall that will cater to whatever your needs or budget is.
6. When it comes to the food, you should go with a hall that will allow
you to bring your own food if you would prefer to not pay extra for
catering.
7. Serving vegetable and fruit trays, as well as finger foods like finger
sandwiches will be of great value in accommodating vegetarians
8. Opting for a casual reception will allow you to serve your food
buffet style which will be predominantly cheaper.
9. Opting to tell people to forego giving you a wedding gift and serve
a completely cash bar is a great way to accommodate guests and
recover some of the money for the hall.
10. Opt for non-weekend dates because these are not peak hours for
the hall and the prices may be cheaper
11. You should choose to host your event during the winter for the
best rates
12. Negotiate a special discount by paying cash instead of credit
card. Most reception halls will do this
13. Choose to go with a non-dinner reception offering instead snack
foods and munchables

Hosting a wedding reception at a hall does not have to cost through the nose if you know how to get around the basics, which I have just
mentioned. Most people would like to host their reception at a reception hall because they feel that it is more elegant than hosting it outdoors,
however, this is not always the case. Sometimes, hosting your event outdoors is more fun and it is also much cheaper.

Cinematic Wedding Film

 

 

Assessing How Fit You Are

Friday, March 25th, 2011

Brad King and Dr. Michael Schmidt in “Bio Age, Ten Steps to a Younger You” (Macmillan, Canada, 2001) have devised a questionnaire for assessing physical damage to a body as a result of no exercise. We will borrow some of their guidelines, which we will summarize here:

Start with the question, “How do I look?” Do any of these answers apply to you?

  • Am I overweight, looking like an apple or pear?
  • Do I have a spare tire around my waist?
  • Has my skin become excessively dry, almost paper-thin?

Next, ask: “How do I feel?”

  • Do my joints hurt before or after any physical exertion?
  • Am I constantly worried and anxious?
  • Do I feel tired and sluggish most of the time?
  • Do I suffer from mood swings?

Last question, “How am I doing?”

  • Are simple walking and climbing stairs difficult?
  • Do I have problems concentrating?
  • Is running impossible for me now?
  • Am I unable to sit straight, preferring to slouch or stoop my shoulders?1

You’ve completed your basic assessment. Note, however, that other exercise or fitness gurus will have their own parameters or indices for assessing your body’s overall state and one isn’t better than the other.
As long as they include all dimensions of the self – physical, psychological and mental – they are as valid as the next person’s assessment charts.

Massage Plymouth

 

Lifespan and Physical Appearance

Friday, March 25th, 2011

The average life span of men and women is 80 years, give or take a few years. The painful truth is, a significant number of men and women look and feel 80 before they even make it to the first half of their life! You spot the tell-tale signs from their physical appearance:

  • sagging dry skin
  • unsightly posture
  • uneven and unsteady walk (they need to drag around those heavy pounds)
  • aching joints

sporting the “I’m not happy because I look terrible” look
Now, if their appearance is this bad, imagine what the inside machinery is like! Most likely, it’s even worse:

  • clogged vessels
  • inefficient heart
  • mounds of sugar and fat parked in or around vital organs
  • Conditions such as diabetes, nervous tension, high blood pressure and cardiovascular disease that are silently brewing.

But fitness shouldn’t be associated with any age limit. You can start at 10 or at 30 – even at 50 and 60 – the idea being that fitness should not be seen as the cure for a condition that’s already come about. As the saying goes, don’t wait for illness to strike.

If fitness authorities had it their way, they’d create legislation to make exercise mandatory as soon as a baby leaves the cradle, not during the teenage years when obesity is likely to strike.

Massage Devon

 

Look After Your Body

Friday, March 25th, 2011

Do you think of your body the way you think of your car? When a few lucky individuals acquire a sports car that boasts of the best automotive engineering available today, watch them read the maintenance manuals religiously.

They take their car for inspection even if it purrs like a kitten and take it for repairs as soon as something does not feel right. And they’re very concerned.
That car is their most prized possession, a symbol of all the long and hard hours they put on the job so they could finally acquire it. It cost an arm and a leg, so taking care of it is logically, their # 1 priority.

But how important is the person that drives that car? Shouldn’t that person – shouldn’t you – be the #1 priority?

Massage Plymouth

Understanding Bonds

Friday, March 25th, 2011

There are certain things you must understand about bonds before you start investing in them. Not understanding these things may cause you to purchase the wrong bonds, at the wrong maturity date.

The three most important things that must be considered when purchasing a bond include the par value, the maturity date, and the coupon rate.

The par value of a bond refers to the amount of money you will receive when the bond reaches its maturity date. In other words, you will receive your initial investment back when the bond reaches maturity.

The maturity date is of course the date that the bond will reach its full value. On this date, you will receive your initial investment, plus the interest that your money has earned.

Corporate and State and Local Government bonds can be ‘called’ before they reach their maturity, at which time the corporation or issuing Government will return your initial investment, along with the interest that it has earned thus far. Federal bonds cannot be ‘called.’

The coupon rate is the interest that you will receive when the bond reaches maturity. This number is written as a percentage, and you must use other information to find out what the interest will be. A bond that has a par value of $2000, with a coupon rate of 5% would earn $100 per year until it reaches maturity.

Because bonds are not issued by banks, many people don’t understand how to go about buying one. There are two ways this can be done.

You can use a broker or brokerage firm to make the purchase for you or you can go directly to the Government. If you use a brokerage, you will more than likely be charged a commission fee. If you want to use a broker, shop around for the lowest commissions!

Purchasing directly through the Government isn’t nearly as hard as it once was. There is a program called Treasury Direct which will allow you to purchase bonds and all of your bonds will be held in one account, that you will have easy access to. This will allow you to avoid using a broker or brokerage firm.

Mortgage Plymouth

What Is Your Investment Style?

Friday, March 25th, 2011

Knowing what your risk tolerance and investment style are will help you choose investments more wisely. While there are many different types of investments that one can make, there are really only three specific investment styles – and those three styles tie in with your risk tolerance. The three investment styles are conservative, moderate, and aggressive.

Naturally, if you find that you have a low tolerance for risk, your investment style will most likely be conservative or moderate at best. If you have a high tolerance for risk, you will most likely be a moderate or aggressive investor. At the same time, your financial goals will also determine what style of investing you use.

If you are saving for retirement in your early twenties, you should use a conservative or moderate style of investing – but if you are trying to get together the funds to buy a home in the next year or two, you would want to use an aggressive style.

Conservative investors want to maintain their initial investment. In other words, if they invest $5000 they want to be sure that they will get their initial $5000 back. This type of investor usually invests in common stocks and bonds and short term money market accounts.

An interest earning savings account is very common for conservative investors.
A moderate investor usually invests much like a conservative investor, but will use a portion of their investment funds for higher risk investments. Many moderate investors invest 50% of their investment funds in safe or conservative investments, and invest the remainder in riskier investments.

An aggressive investor is willing to take risks that other investors won’t take. They invest higher amounts of money in riskier ventures in the hopes of achieving larger returns – either over time or in a short amount of time. Aggressive investors often have all or most of their investment funds tied up in the stock market.

Again, determining what style of investing you will use will be determined by your financial goals and your risk tolerance. No matter what type of investing you do, however, you should carefully research that investment. Never invest without having all of the facts!

Pensions Advice Plymouth

Why You Should Invest

Friday, March 25th, 2011

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!

Pensions Advice

Massage Plymouth

Saturday, March 19th, 2011

Your Recommended Daily Allowance for Relaxation

Stress is the curse of living in modern times. Everyone suffers from stress. And the stress we suffer takes a heavy toll on our bodies, emotions and minds.

Feeling stressed out, worn out by fatigue or just simply having a miserable day, the best thing to do is relax.

Watching television may be a form of relaxation for some, but is not a recommended method by experts. When we watch TV we are bombarded with commercials, ads, sounds and images. So how do we achieve relaxation? If there are thousands of ways we can get stressed, one of them is not meeting deadlines, there are also many ways we can relax.

In recent studies, experts have determined that heart disease is linked to anger and irritability is linked to mental stress. Too much stress brings about ischemia that can lead to or cause a heart attack. Relaxation takes on added importance in light of this matter. Managing your anger and attitude is significant to heart health, and relaxation can help you manage stress.

One way of relaxation is transcendental meditation. Recent studies have also shown that this method might reduce artery blockage, which is a major cause for heart attack and stroke. People practice transcendental meditation by repeating uttering soothing sounds while meditating, this is to achieve total relaxation. The researchers found that practitioners of transcendental meditation significantly reduced the thickness of their arterial wall compared with those who didn’t practice transcendental meditation.

Another study on another method of relaxation, acupuncture, seems to reduce high blood pressure by initiating several body functions for the brain to release chemical compounds known as endorphins. Endorphin helps to relax muscles, ease panic, decrease pain, and reduce anxiety.

Yoga is also another method for relaxation and may also have similar effects like acupuncture. In another study, participants were subjected to several minutes of mental stress. Then they were subjected to various relaxation techniques, such as listening to nature sounds or classical music. Only those who did Yoga significantly reduced the time it took for their blood pressures to go back to normal. Yoga is a form of progressive relaxation.

Breathing is one of the easiest methods to relax. Breathing influences alamost all aspects of us, it affects our mind, our moods and our body. Simply focus on your breathing, after some time you can feel its effects right away.

There are several breathing techniques that can help you reduce stress.

Another easy way to achieve relaxation is exercise. If you feel irritated a simple half-hour of exercise will often settle things down. Although exercise is a great way to lose weight, it does not show you how to manage stress appropriately. Exercise should also be used in conjunction with other exercise method.

One great way of relaxation is getting a massage devon. To gain full relaxation, you need to totally surrender to the handling and touch of a professional therapist.

There are several types of massages that also give different levels of relaxation. Massage Plymouth

Another method of relaxation is Biofeedback. The usual biofeedback-training program includes a 10-hour sessions that is often spaced one week apart.

Hypnosis is one controversial relaxation technique. It is a good alternative for people who think that they have no idea what it feels like to be relaxed. It is also a good alternative for people with stress related health problems.

Drugs are extreme alternatives to relaxation. They are sometimes not safe and are not effective like the other relaxation methods. This method is only used by trained medical professionals on their patients.

These relaxation techniques are just some of the ways you can achieve relaxation.  Another reason why we need to relax, aside from lowering blood pressure in people and decreasing the chances of a stroke or a heart attack, is because stress produces hormones that suppress the immune system, relaxation gives the immune system time to recover and in doing so function more efficiently.

Relaxation lowers the activities within the brains’ limbic system; this is the emotional center of our brain.

Furthermore, the brain has a periodic need for a more pronounced activity on the right-hemisphere. Relaxation is one way of achieving this.

Relaxation can really be of good use once a relaxation technique is regularly built into your lifestyle. Choose a technique that you believe you can do regularly.

Pension Advice 3

Saturday, March 19th, 2011

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Thus far, I have dealt with retiring in the United States on a minimum amount. And there will be many who have no desire to spend their lives outside the boundaries of our own country.

However, it is my own opinion that a person, or couple, that has a small income, whether it be a pension, or dividends from some investment, can stretch the amount much further by living abroad. As I have already pointed out, a dollar goes much further in such countries as Mexico, Spain, Austria and Greece, among others, than it does in the United States. In fact, the United States is one of the most expensive countries on earth, and many will tell you that it is the most expensive of all. If you steer clear of the tourist centers, it is possible to live on a very high standard in these countries above mentioned on five

hundred dollars a month. Don’t forget what I have said above in regard to the Europeans. Very few of them, even in the better to do countries, ever see as much as five hundred dollars a month. Even France, the luxury center of the world, does not have an average income of five hundred dollars a month per family. The average French working man makes less than this by 1997 French govern­ment statistics.

It becomes obvious, then, that it is possible to live on this amount. In fact, a bit of consideration shows that since the European is working to acquire his wages, and you are retired, you will have various advantages over him. He must dress for his job, he must utilize the public transportation every day going to and from work. He has expenses you won’t have, including taxes, since, as you possibly know, if you live abroad for over 18 months you need not pay American income taxes.

financial advisor plymouth