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Beating the High Cost of Weddings: How We Did It, and How You Can Too
Published on - November 8th, 2007 (by J.D. Roth)
Think you need to spend a fortune to tie the knot? It's just not so. Kris and I got hitched for a couple grand in 1993. In this guest post from JerichoHill, he explains how he kept costs down for his wedding last summer.
Weddings are expensive affairs. Couples often spend tens of thousands of dollars for an event that lasts only a day or two. I know, I know — the memories last a lifetime. But that's the catch-phrase of the industry that's sprung up around this occasion. In economics, this is called conspicuous consumption.
Ramit at I Will Teach You to Be Rich recently wrote an article about the cost of weddings. On average, a wedding costs $28,000. That's more than half what the typical American household earns in an entire year!
I was married two months ago. Spending a lot on our wedding was not an appealing option, especially since we're building a home addition at the same time. We managed to spend less than $10,000 on our wedding. You can have all the grandeur of a big wedding on a small budget. Here's how we did it, and how you can, too.
With digital cameras, memory sticks, and a laptop computer, the difference between the equipment available to the average Joe and to a professional photographer has greatly diminished. An argument can be made that a professional photographer can capture that special moment better, but they're also known to take a lot of pictures of the floral arrangement.
We decided that instead of hiring a photographer, we'd ask our friends and family to bring their digital cameras. Two of our friends are amateur photographers and were thrilled with a chance to use more fancy equipment for the wedding photos. One came armed with the latest techno gadgetry; the other came with an old-style camera (and I mean old-style!). Both friends had an absolute blast taking pictures.
For our reception photos, we asked that everyone take pictures of whatever they fancied, as we figured each social group at our wedding would take plenty of pictures of themselves. When guests left, they simply transfered their pictures onto our laptop computer, which was as easy as sliding the memory card into the appropriate slot and copying the files to our specified folder (which we made obvious).
By asking our friends and family to take pictures, we knew we'd get a lot of good variety, and perhaps a few more comical poses. We were able to pick and choose which to put in our own (free) online wedding album. Our friendly photographer posted the wedding album to PicasaWeb, and linked to a photo-making service so that guests could make prints of the photos they wanted. He added the pictures our friends took to the album, as well.
Most colleges have a chapel, which is usually quite nice. Often, alumni of the college can use the chapel for their wedding, free of charge. During the planning stages, my fiancee contacted the chapel administrator at her alma mater. She filled out a few forms, and we had a nice place for a wedding for free because she was an alum. It was beautiful, but was even more meaningful because of her history!
Officiant / Organist
We weren't picky about the type of religious ceremony we were married under. We were happy to be married by a friend of my wife's family, who was licensed to perform marriage ceremonies. This added a personal touch. Another family friend was a retired organist, so he performed at our wedding. A deeply religious friend was honored to read from the Bible. Everyone did a marvelous job.
Renting a reception space is ghastly expensive. Why not have it at your home? My wife's family welcomed the opportunity. Even though the reception was large, we found a way to make their space work.
Not only does having a reception at home save thousands on renting a space, but it can provide impetus for some much-needed home improvement! The money you would have spent on rent instead becomes new paint, a new patio, or dozens of other improvements that stay with your family after the big day has passed. For our reception, my in-laws' house was repainted, the patio was re-laid, and the surrounding yard trimmed, pruned, and looked wonderful.
For music at the reception, we had an iPod loaded with tunes. We set that up to run into a speaker set, which an A/V friend of ours hooked up. When we had to interrupt DJ iPod for toasts, cake cutting, or our first dance, we used a switchboard from the local electronics store (very cheap). Otherwise, we hit the party shuffle, and off we went! Thanks, DJ iPod!
Rehearsal Dinner
We used a small restaurant and kept the rehearsal dinner invitations to main family members, the wedding party, and wedding officials. We met everyone else who came in that night at a local watering hole afterwards. I've been to some rehearsal dinners that were 60-100 person affairs. I can't imagine how expensive they must have been!
For alcohol, we compared the restaurant's wine prices with its corking fee. We found out that it was cheaper to pay the corking fee and just bring our own wine. After the rehearsal dinner, we had a night-time hangout spot lined up (a local bar/pool hall) where we could hang out with the younger crowd (that we couldn't invite to the rehearsal).
Catering is also expensive. We couldn't believe how much it would cost for a large reception. Instead, my mother-in-law got creative with some foodstuffs from our local Costco. She enlisted the help of a women's social club she belongs to — they had a good time getting creative on recipes. Folks marveled at the shrimp the ladies prepared — shrimp that was bought in bulk from Costco.
I dressed my groomsman in black suits, since the occasion to wear a tux is normally few and far between. Since they had (or bought) the suit, I bought them matching ties and kerchiefs as their wedding party gifts. My wife was able to use her sister's wedding dress, and I used an old family tuxedo. (Both fit us very well.)
These are just some of the many ways we reduced the costs associated with our wedding.
Our frugality led to creativity. We added a number of personal touches to the event, and our friends and family were able to help shape and sculpt our wedding day. Wedding memories aren't made from expensive cakes, but from the oddest of quirks. (We'll remember most our officiant's wife telling him to speak up as we started our ceremony.)
Utilize your connections. Reach out and draw upon the community that you grew up in, and you might be surprised. With a good social network and some creative thinking, weddings do not need to be expensive affairs. (Unless you want them to be!)
This article is about Odds and Ends, Planning, Real-Life
"Put your money in what you value! People will see and appreciate what you value, and be excited with you. Don't just aim for the cheapest wedding as your guest will feel like that….that they are guests at a cheap wedding"
I agree. If you try to get the cheapest of everything and thats your only goal – why even have the ceremony in the first place?
I got married in August, in the Bay Area. Total expenses were around $10k.
Connections, connections, connections. It is all about working your connections. We had friends do the day-of coordination, the officiating, the photography, the videography, the flowers, the cake (actually, cobbler), and we got the tea & coffee free from my husband's workplace. Because we knew these people we had realistic expectations about what they would provide and across the board, they exceeded them.
Negotiate! Our ceremony/reception site manager originally told us the rental fee was $1500, but when we arrived to view the place my husband (admittedly, this was semi-accidental) said offhand, "So it's $1200?" and the guy shrugged and said, "Sure, $1200." It never hurts to try.
Don't work with people you don't trust. I gave five local caterers the same budget and only one came under it in her preliminary quote. I went with her and through lots of discussion about keeping costs down, we managed to keep to that budget. If the other caterers couldn't meet my budget in purely theoretical terms, I had no doubt they would go even further over my budget later down the road. Food and drinks were by far the biggest part of our budget, and depending on the headcount, this expense can easily get out of control.
Other cost-saving moves on our part: I bought a yellow dress that I will wear again, for a few hundred dollars, and we didn't have a lot of attendants. Just asked our siblings and one friend to stand up with us, and didn't ask them to buy any special clothes. We bought the flowers at a farmer's market the day before the wedding and arranged them ourselves in vases I bought used at a local salvage place. We even made the boutonnières and my bouquet – lots of good DIY information online. I designed our invitations and had them printed online. I spent a lot of time on the indiebride.com forums and ended up buying 1/2 of our glassware from another bride, 1/2 from IKEA, and then re-selling all of it to another bride after our wedding, saving hundreds of dollars on glass rentals. (Although we did have to wash them ourselves – but it was worth it to me.) DJ was an ipod, no live music.
Maybe a lot of our DIY stuff didn't look professional, but we didn't care. In the end we were married and our friends & family had a great time. That's what we valued and we don't regret a thing about how did it.
Thanks again, J.D. & JerichoHill for an excellent post. You are right, JerichoHill: Frugality does lead to creativity and getting your family and friends involved makes it extra special for everyone even before the big day. And J.D., being like minded about the wedding is also key.
If I may, here are a few things from my experiences with weddings (friends & my own) that may help:
Invitations: I designed my own, and so have some of my friends. With all of the great artistic software available nowadays, it is usually easy to pick something up at Staples for $10 – $20 on sale and usually a bulk paper store will have plenty of nice stocks to choose from at reasonable prices. Trust me, it can be done tastefully if you copy a similar look from a professional piece
Cake: Usually, the fancier the decorations, the more expensive. Simple cakes are really classy and you can add your own real flowers around the base of the cake for color, if you like. Or, add some edible gold sprinkles for effect. My husband and I had a three tier / three flavor cake that was DELICIOUS & served 150 for around $200 because we kept the decorations to a mimimum.
Decorations: A friend of mine got married December 1st.
Her wedding was around 4:00, and she had a small sit down dinner for family & close friends at a nice restaurant afterward, followed by a bigger celebration at a bar with more friends later. Because of the holdiays, the restaurant was filled with beautiful pointsettas, candles and lovely ornamentation that she didn't have to pay a dime for! Another friend had a similar experience with a church around Easter. Bottom Line: It's not so much about getting married during a holiday as using potentially available resources that are already in place. Also: Check Craigs List or other free resources or post a note at a library or college bookstore about what you need – you may be surprised how much help you get!
Music: JerichoHill, I love your suggestion about the iPod. We used iTunes and it really worked out great. Another thing I thought was nice: the girl mentioned above was part of her college band, and she arranged to have a few members be roving violinists, play the flute and harp during dinner. They all dressed up in tuxes and you would have thought she spent a fortune! It was a romantic touch, and of course, very inexpensive.
Dates: Struggling with matching that special date you want with when everyone can get together? Here's a thought: Get married on one day and have your party on another. That's what my husband & I did (May 3rd & June 8th) and for as unusual we thought it was at the time (5 years ago) turns out it is becoming more common (at least that is what a caterer friend tells me). Anyway, we had a very special wedding day and wedding celebration AND because we told the caterer we were having a PARTY we saved almost 30% on the same arrangement that would have been served up for a wedding. In fact, when we were comparing prices, one caterer actually told us that she was going to have to re-quote us when she found out our event was wedding related!
Good luck to anyone making plans. Obviously, it is possible to have a beautiful day at a reasonable cost.
–The officiant was a long-standing family friend. That he was a highly respected retired judge was icing. That his wife had to remind him to speak up during the wedding was priceless!
–I dont want to put on airs that we were trying to be cheap. Rather, we could save money by doing things ourselves and involving our family and friends, who more than wanted to be involved.
–I know several friends who got married and then had a party on a different date. Just as folks are now not immediately going on a honeymoon, splitting things up can make for less stress.
We eloped, so our wedding cost less then $100. We have great memories and an awesome story.
A friend is getting married this weekend and over the past couple of months I've been amazed at the transformation. She was so happy and cheerful, excited to be married and now she is completely stressed out and worried that everything must be perfect – because they are spending so much money on it. She offhandedly said they should have gone to Vegas, it was hard not to agree since it seemed the cost is what is changing her feelings of enjoyment!
I couldn't disagree more about the photographer. Getting good photos has NEVER been about available equipment, it's ALWAYS been about having a trained eye and knowing how to use your equipment. An experienced professional can make photos with a disposable camera that are worlds better than what an amateur could with the world's best gear. Out of everything you pay for, photos are the only thing that you'll have with you for the rest of you life.
I'd splurge on photography if you're gonna splurge on anything. Having an amateur do your photos is going to get you amateur results.
I never understood the expensive wedding – ours in 2003 cost about $4k for around 100 guests – the majority of which was the reception, because that's what we really wanted was a big party to celebrate with our friends.
- Rehearsal Dinner: $250 – beer and pizza for family and out of town friends. We didn't have any attendants, special music, readings, or all that stuff – so we actually didn't even have a rehearsal.
- Officiant: FREE my husband's dad is a preacher, but I haven't been to a paid officiant wedding in years. Everyone I know has a close friend they want to be involved in the ceremony go to The Universal Life Church website, get registered and perform the ceremony, Much better than a hired stranger.
- Flowers: $100. Spending thousands on flowers is just the most ridiculous expense ever. I ordered some fresh stems online, had them delivered a few days in advance, and the day before my new mother-in-law and I made boutineres and bouquets – simply gorgeous.
- Photography: $200 – a friend volunteered as our wedding present. Not a professional photog – but I'd seen her pics and they were good. She acted as the dedicated photographer – so we still got all the posed shots we wanted. She gave us the film and we developed into the number and sizes of prints we wanted. So that was the only cost.
- Dress: $175 – Brides for BreastCancer do a huge sales in cities all across the country every year in Jan and Feb. People donate their dresses, stores donate last years designs, runway samples, etc. and the prices are great. My dress was new – still had the original tag on it – $1100. I paid $175. And I donated it back 2 years later.
- Tux: $250 – my husband is Scottish and he had a custom kilt made. So he can wear it again for special occasions. Or Halloween.
- Cake: $200 – from a local bakery, simple but elegant smaller cake for the 'cutting' then a sheet cake on the side for most of the pieces. Much less than a huge fancy cake to feed everyone.
- Music: FREE – we made 5 CDs of music we loved AND works for a reception and put it on shuffle in a stereo. Sure, DJ's can 'keep a party going' – they can also be bribed into playing songs you hate. We had a separate CD for walking down the aisle and exiting which a friend simply hit play and stop for.
- The remaining $3,000 went to the reception hall & food & drink: we got married at a brewpub/hotel in our area that is famous for it's cool old buildings, so no extra decor was needed. The ceremony and reception were in the same room – we moved into a lobby area for a cocktail hour while they reset the room, then we provided a simple buffet meal of meats, cheeses, breads, fruits, etc. – wine and beer from the facilities own brewery and winery.
Oh – and it was Easter weekend so we spent about $50 on Easter baskets and candy for the kids in attendance.
The people working there said we were the most relaxed bridal couple they'd ever seen. 'Cause we didn't have to do anything to prep, we weren't concerned about the budget we'd just spent, and we weren't freaked out that something wouldn't be 'perfect.' It was our wedding day – of course it was perfect.
My two brothers have both gotten married in the last two years.
One brother's wife was the only child of a wealthy wall street banker who paid for everything. The other brother had just graduated from college, got about $2000 from my parents but paid for the rest himself – and he and his wife had school loans getting to the end of their 6 month grace period. My younger brother probably spent as much on his entire wedding as my other brother spent on the alcohol at his reception.
The thing was that both brothers invited people they loved and cared about to the wedding, the guests all had great attitudes, and 6 months after the "wedding on the cheap" the memories aren't all that different… My older brother's wedding was fancier, but my younger brother was just as happy at the end of the night.
I have heard that a good, cheap photographer is the kid who does sports photography at the college newspaper – they can deal with all sorts of crazy lighting, are able to take good shots quickly, want to build up their portfolio, and aren't too picky about what they charge. I'd guess the same thing goes for a photography student close to the end of there academic career. Neither of my brothers went that route though, so I don't have any first hand results.
Ken, are you a trained event planner? Have you had any experience in this field? If not, then you're an amateur. Therefore, according to your own logic, listening to you will yield amateur results. So, I should not listen to you. Find the flaw in the logic yet?
A paid photographer can take crappy pictures just like anyone else can. My parents hired a photographer and videographer for their wedding, and they were not very good. ESPECIALLY the video guy. I likely could do better now, and I am merely a photography enthusiast. (Not even a hobby!)
I think the point being missed here is that Jericho's friends were amateur in the sense that they did not do photography for a living. That does not mean that they are BAD at it, simply that their careers lie somewhere else. (No one is advocating giving a random guy in the street a camera to photograph your wedding.) Also, they were both HAPPY and ENTHUSIASTIC about what they were doing, which alone can work wonders. I can promise you that any paid professional photographer will be neither of these two things. (I'm remembering now how often I've had stone-faced, bored-looking photographers tell me to smile… I just can't do it.)
Some people make this WAY too hard – my husband and I were together 8 months before we got married, and we planned our wedding in 2 weeks (before I got shipped overseas for a year). We only spent a couple hundred on the wedding – we had it in his mother's church (she's an Elder in the Presbyterian church), reception in the basement. Used a CD player for music in the wedding and reception. Had only a handful of people (as not all family members could attend, especially on short notice in the Midwest in February!), they brought their own video cameras and photo cameras. I used my mother's wedding dress and my husband wore a suit. We bought a boquet, a few flowers, a cake, and some food and champagne (and soda) for the reception. We've been together for almost 5 years now.
I also had a neighbor growing up who married in under a week at next to nothing because of their connections in the town, but if you don't have that, keeping it simple is the most effective way. My grandparents and parents, and my husband's grandparents and parents all went the simple route, though a few in their families also went a more expensive route. All in all, simple was the most well-remembered, and those are also the relationships that have lasted the longest (perhaps because they were on the same page financially more than anything else). Spend the money on your honeymoon, or save it for a vacation once you have the children you'll eventually have. *grin*
I was once reading a Dummies book about wedding planning, and just reading about all the things you have to do to protect yourself against caterers was stressing me out.
Finally I thought, why would we use caterers we'd never heard of? How about pizza delivery?
And then I started questioning all kinds of assumptions. There really are a billion and one assumptions about how weddings are supposed to be. But it doesn't have to be a big, choreographed production event. The really sad thing is that a lot of people don't even like to go to weddings. After all that work!
I actually started asking my friends, after they came back from weddings, what their favorite parts were. Mostly they said visiting people, seeing their old friends. Secondly they said the food.
Here's my latest thinking.
1) Guests – invite all the people who would be upset if they missed your wedding. For me, that's my mom, which means no eloping unless she gets to come, too. Everyone else is icing on the cake.
2) Ceremony – I'd rather have a semi-fake officiant saying something decent than some droning guy saying things that creep me out a little. In fact, I wouldn't mind just standing in front of people promising aloud all the things we want to promise.
3) Clothing – I'd like to dress up. I wouldn't mind wearing my favorite dress. I found a pattern I like and might sew that, though. I don't care about bridesmaids matching. So, either they can agree on stuff that won't clash with each other or I can have just one bridesmaid. Guys could agree on something, too.
4) Photography – I'm a fan of friends as photographers, but it's good to take some time to pose people. Usually a lot of people you never get to see show up–make sure to get pictures of them. If there's something you love like the cake or centerpieces, get pictures of them.
5) Cake – get the yummiest, not the prettiest. For me, that's chocolate flourless cake. You can make these in little muffin shapes and organize them in some interesting way. I also want milk.
6) Food – I still like the idea of catered pizza. My favorite pizza place even caters lasagna and salad! There should also be healthy things like fruit and veggies. One guy I heard about really wanted lunch sacks. The lunch sacks would be white and all decorated, and they would have really delicious sandwiches, etc. inside. I kind of like that idea, too!
7) Activities – dancing, eating, and toasts are the obvious choice. But you should pick activities that are fun for you and that everyone can participate in. I do like the dancing, and I like having comfy couches around for old people to sit in. I'm also thinking of origami at all the tables.
Seating – I admit that I love the idea of deciding who sits next to whom! Certain people I think would really hit it off. Certain other people I think deserve each other. Also, the whole head table thing is weird to me. I like the idea of setting 6 or 7 places at a bunch of 8-place tables, and the bride and groom move from table to table. They never have enough time to visit with everyone anyway.
9) Place – I want something big enough where everyone can fit inside if necessary, everyone can sit down at the same time, and people can dance while other people are talking. I like the idea of a place that's naturally interesting and doesn't need to be decorated. If I were religious, I'd pick my church. Currently I'm favoring state park buildings or community centers. I've also heard of people using funeral homes! I've seen awesome houses, too, but I don't know those people well enough!
10) Honeymoon – One guy said that all that really mattered on the wedding night was a nice bed. He likes the idea of staying at a nice hotel in town. The more I think about it, the less I want to be organizing some big fantasy trip that starts the day of or day after a big fantasy party. I also don't like the idea of running away just when I got a bunch of friends in town.
I've decided what's important are 1) to be married to the right person afterwards and 2) to celebrate the marriage with loved ones. So basically it's just a ceremony and a party. It shouldn't have to stress you out and wreck your budget. Well, any more than other big parties stress you out and wreck your budget anyway.
At some point JD, can you write an article on pre-nuptial agreements? The good, bad and ugly. Thanks.
With all due respect, having a paid officiant is not a guarantee of a boring ceremony just as having Uncle Fred be ordained online (which is not legal in many states, so if you've been married by a Universal Life minister, you might want to check that out) is a guarantee of a great ceremony. Let's be serious here; you want someone who does this for a living. A minister who does one ceremony a year, your Uncle Fred whose public speaking experience is limited to a toast on Thanksgiving or a judge who could honestly care less; they're all bad choices. Your Uncle Fred is not going to coordinate with your band, dj, florist, photographer, maitre d, bridal party or the town clerk after the fact. A "semi-fake" officiant is going to do a "semi-fake" job. Do yourself a favor and look for someone real; look for a Celebrant. We are in all states, and our ceremonies are amazing. We are trained, legal, articulate and creative.
I think you are missing my point. We wanted to include our friends and family in it, so having a retired judge who was a very close family friend who wanted to do it made it that much more personal and intimate of a ceremony.
I understand you don't want to have just anyone do it. But I think the point of the whole article was "use your connections, whatever they are, and be creative" One of our connections happened to be able to perform our ceremony, and it was a wonderful day.
I think that is a wonderful and lucky situation to have; a close friend who actually does this, who knows and loves you. What bothers me is the general tone (not from your post) that the ceremony is an trivial, necessary evil to "get through" as cheaply and quickly as possible. It should be a moving, professional, articulate expression of your relationship. And, of course, it should be legal.
I am a professional wedding photographer. Even before I was, my wife and I didn't skimp on our wedding photographer.
I have no interest in winning an argument here. I never said that amateurs can't take good photos, nor that there aren't pros who take terrible photos. I am making a generalization, and generally, you'll get much better results from a professional than you will an amateur.
My feelings about the photographs was that I could care less about a huge album with tons of photos. I just wanted one nice portrait of us in our wedding attire. So we hired a photographer to swing by the reception and take a picture of us. While he was at it, we also took family portraits of the two families as well. I have three beautiful photos from that, and as luck would have it, got so many great photos sent to me from family and friends that I ended up with the huge album anyway!
We also did the buffet, and I wore my mom's dress. Another thing we did was that we had an 11am wedding & early reception. And I had a wedding cake from Carvel (can't stand regular cake)
To add to the testimony that it can be done for less: My husband and I married in 2005. We spent $5,500 total. That figure does not include the money spent by my step-mom to decorate the chairs, or the cost of ingredients to bake our cupcakes. Basically, we utilized our family and friends' desire to help, their services (officate, food, live music) were gifts.
We also limited those invited to family (100 people).
We hired our semi-profession photographer friends to shoot the wedding for more than half the cost of hiring a professional. We already knew their work, and chose to hire both because we liked their individual styles (one being documentarian, the other portaiture).
@public college student: My university has an interfaith chapel.
My wife and I got married for about $700, most of which went to: A) her dress, B) the priest, and C) the photographer, and D) reception.
We got married at sunset, after a raging thunderstorm, on Edisto Beach, SC during our July vacation; our closest friends were vacationing with us (that was planned b/f our wedding). One friend went out and cut wild tropical tropical flora and arranged for us. We all had a great time and it was a wonderful event.
[...] Rich Slowly blogs on saving money on weddings (at $28,000.00 wedding, I am clearly in the wrong [...]
[...] Beating the High Cost of Weddings: How We Did It and How You Can, Too Our best wedding tactic was to involve everyone who came in from out of town in wedding preparation. We held a small party at the reception hall for out-of-town guests as well as the most immediate family, where everyone talked and very gradually assembled things for the reception. This eliminated hall setup costs and was a lot of fun. (@ get rich slowly) [...]
Our very unconventional wedding only cost about $3k, but that was 13 years ago. We were the first "big" gay/lesbian wedding in our neck of the woods so we had to just navigate our own way. Neither my family nor hers were going to give us money fo the event- so we knew we had to really economize. SOmewhere in the middle, the families came around and helped out- but mostly thru gifting of time, not money. It has meant more on some level because of it.
We ended up deciding to take the time for making all the food ourselves. We saved money in planning for lots of insalate type dishes and had no foods that required heating. For an August wedding, it made sense to have exquisite chilled or room temperature foods.
We did not want the responsibility of alcohol- we did not have a bar or any drinking like that at our reception. We had a big juice punch and soda or bottled water available.
We used the reception hall of the church we had our ceremony at. The rental was very inexpensive and we had friends help us do all the decorating.
A friend made our cake for her gift to us. She had just finished one of those Wilton courses- it was fabulous and we were able to have Duncan Hines Cherry Chip as our cake flavor (yum!).
Another friend who is a nationally recognized photographer took wonderful pictures and gave us copies.
We did splurge on a really good DJ for the reception- the dancing was great and everyone got in on it.
My mom made my dress and my sisters (a witness). My mother in law made my sister in laws dress. We rented a nice tux for my hubby.
My mom and stepfather paid for the rehearsal dinner. A few out of town guests were also invited along.
Most of our money went for costs to our week in Provincetown for the honeymoon.
Our one big snafu was forgetting to plan for who would be keeping the buffet table filled with food. OOPS! But luckily, some of our relatives who weren't quite as liberal as they had thought (and were nervous about being around so many gay or lesbian folks) stepped up and helped out in this department. It smoothed over the first hour then everything went fine.
I recently got married and have a few tips for those of us with snobby fiance's (like mine) that would never go for some of these awesome ideas..
In wedding planning, adding the 'W' word to anything automatically increases the price by a significant ammount. Let me give an example:
I was calling around for catered reception hall prices and found something very interesing. I got the price of having our wedding reception there then a few days later, I called back and asked how much it would be for a family reunion. The family reunion was almost three thousand dollars less for exactly the same setup. So, I booked our wedding reception as a family reunion. The reception hall manager wasn't happy when we showed up, but they couldn't do anything about it. We paid for it and had a contract. Our wedding reception was, in fact, a gathering of the family so it couldn't be ruled out as a family reunion.
This goes same with the cake. I asked for a custom cake and told them what I wanted. I said it was for a party. It closely resembled one in their "wedding cake" book. I got it for $200 less.
Florist – Same deal with the 'W' word. Saved over a thousand dollars here.
Chair covers – I just couldn't win this fight with the boss-to-be. The reception hall wanted $4 a person (we had 300 guests=$1200, ouch). I purchased new chair covers online for $2 a piece and split the cost with her sister who was getting married around the same time we were. They looked great and the deal saved us $900.
If you have to hire a photographer, avoid the "money saving" photo packages and get one that will customize their service. I found a high-end photographer that would charge me for her time by the hour and give me a dvd with all the high resolution photos. I took the dvd to the photo kiosk in the local pharmacy and printed them for cheap. Between her time, the dvd, and photos I spent a total of $750. The cheapest 'wedding package' I found was from a low-end photographer for $1700. My wife and I had fun picking out the photos and creating our own wedding album from a kit instead of someone else doing it for us.
Just wanted to share.
Our very traditional wedding cost about $10,000, half what I estimated it would have cost if we had not done these things:
- Planned the wedding for Monday instead of a Saturday or Sunday.
- Got an estimate from a great professional photographer for the full deal on the weekend, ($2200), then bargained her down to $1000 by reducing the timeframe slightly and moving to Monday.
- Had a 2:00 wedding followed by hors'd'oevres instead of a formal reception dinner
- Hired a celtic harpist and violinist — the most gorgeous music and very reasonable
- Did our own wedding "programs" and got the invitations done via a reasonable internet printer.
- Likewise, beautiful wedding dress from the internet for $300
- Bought our own wine and champagne by the case. No hard liquor.
- Friend made the wedding cake as a present, an unexpected saving.
It was an absolutely wonderful, perfect day and we'll remember it for the rest of our lives. It was my second marriage, the first was when I was in college and that was a $500 affair — I'm so happy to have finally had a "real" wedding!
One of the things to weigh in a lot of these decisions is the risk vs reward. Sure you can do things frugally, but if the volunteers don't show up, can't help, do shoddy work, give all your guests food poisoning, it can put a mark on a friendship or create considerable family tension. It may be worth hiring out specifically to avoid some of those issues.
A lot of the "wedding hype" can be reduced by creating a list of stuff you want at the wedding and then ranking it in order with your future spouse. Not to mention that planning the wedding is a great exercise for many of the other challenges you will face as a married couple …..
The reason a wedding costs more than a reunion is that the numerous details you expect your banquet hall to be responsible for are vastly less for a reunion. The cocktail hour is probably going to be longer, you will expect events like a toast to be choreographed, and all of this takes personnel, planning and care; that translates into money.
Wedding professionals are expensive people by the hour because we know what we're doing, we care about what we do, and we can only do it once; it has to be perfect. The difference between "cheaping out" and choosing refined, experienced pros to help you celebrate is often very little; it is the initial style decisions you make that drive the price. I'm sorry; if you feel that you need to have 200 people at a country club for a wedding, I have very little sympathy with any cost cutting motives like going to a photo kiosk for photos.
That being said, I don't believe that throwing money at an event makes it a better one; there are simply some hard choices to be made at the very beginning.
[...] Beating the High Cost of Weddings: How We Did It, and How You Can Too – Weddings are notorious for costing astronomical amounts of money (according to the article, the average wedding costs $28,000), but it doesn't have to be that way. JD presents a number of tips that will help you save money on your wedding without sacrificing your idea of a "dream" wedding. (from Get Rich Slowly) [...]
Hmm, somehow I am not surprised that the people who get paid big bucks to perform wedding services are the ones most stringently arguing against doing those services yourself!
Celia, you talk a good talk, but like another commentator, I don't know anyone who got a "wedding professional" officiant for their wedding–and yet, somehow, their wedding was not ruined.
My ideal wedding would probably be held in a nice park or wildlife reserve with a few friends. Just hike to somewhere nice, and sit around and hold the ceremony. No crazy dresses or anything. Reception would be potluck and pizza, with cookies for dessert. It would be necessarily small and I'm OK with that. I have been told that asking guests to bring a small dish to the reception is tacky, as one is bringing them there to celebrate, not work. I see it as a way for people to make or bring their favorite foods and share it with everyone else. I haven't decided which viewpoint is more "correct".
I get kind of annoyed by articles like this. "You, too, can have a cheap wedding, just get everyone you know to do something for free!"
If you don't know anyone or are unwilling to draft people into service for you, then the tips don't really apply.
My husband and I got married in Vegas last summer. Here's how our wedding broke down:
Ceremony for 20 (at the Stratosphere Hotel chapel)and one dozen professional photos plus video:$800
Very nice four-course seated dinner and drinks at Fellini's Ristorante (in the Stratosphere) for 20: $1200
Husband's suit (very nice classic gray, he will be able to wear forever):$900
My dress (white summer dress from Macy's): $80
Airfare/Hotel for us and some relatives: $2000
Misc accessories and travel items: $200
Pre-wedding bowling night:$100
Total: $5280
We did not have dancing, a rehearsal dinner, swan-shaped ice, or choreographed toasts. Everybody there was able to relax, including us. A couple of people gave spontaneous toasts, and it was a really fun, elegant night. Everyone had a good time. I would encourage eVeryone to consider which aspects of a wedding are really important. For us, it was feeding/boozing our guests. We didn't care to have a guestbook, a DJ, an elaborate dress, or favors. I did kind of want a bagpiper, though
Yeah E, I get paid "big bucks". The average wedding that I write from scratch (including usually a two hour consult with the couple, three to five hours hours of writing and editing, numerous phone calls and two hours onsite plus any aftercare regarding the license) costs 600.00. Your plumber probably makes more than that; your auto mechanic certainly does.
I'm not embarrassed about my fees, nor am I embarrassed about my belief that some things (as someone else pointed out with the very real possibility of food poisoning) are worth paying for. The difference between a crappy, unprofessional job that will have you worried till it's over or mortified as it's happening is usually a couple hundred bucks.
Everyone has their priorities; mine happens to be the ceremony; thats why I do this work; to give beauty and dignity (and organization) to situations that are not in a church or a civil court. No one's uncle, no judge, and no disinterested minister is going to create the service that I do. If you just want to be married, why not dispense with the whole thing?
The ceremony is a gift of inspiration and thanks to the people who support you (those same people who maybe made your decorations and made chicken cassaroles.) It's insulting to them to make them sit through another dull ceremony cut and pasted by someone who doesn't really care and doesn't really write because they are not paid as the professional they are.
My husband and I were just married in May and we payed for our wedding ourselves. Our budget was $10,000 and we did a number of things that helped us make it happen:
1) We saved — as soon as we were engaged, we decided upon an amount of money to set aside every month. And by doing that, we were able to have a wedding and a honeymoon without going into any debt at all.
2) Photography — Craigslist! We sent out an ad asking for a photographer and received over 50 responses. Yes, many of them were not appropriate, but we found an amazing photographer, just getting into wedding photography, who was willing to do our wedding for only $500. He is now charging over $2500 per wedding.
3) Flowers — Farmers Market! Now, if you have your heart set on a certain flower or a certain aesthetic, this might not be for you. But I wanted a natural feel to the flowers, so this was perfect. We found a vendor at the farmers market who was able to do all the flowers and prepare them, so all we had to do was wrap them. Cost for 1 bride, 4 bridesmaids, 4 groomsmen, 1 dad, 2 mothers: under $300.
We cut costs in other areas, but these three really helped us make it as painless as possible. And saving for the wedding in advance really helped my husband appreciate the value of saving in advance versus buying now and paying later.
And I think our wedding turned out pretty amazing:
[...] Rich Slowly shows us how he saved money on his wedding. You need to read this article if you're getting married soon, or ever plan to get married. [...]
[...] Beating The High Cost of Weddings http://www.getrichslowly.org/blog/2007/11/08/beating-the-high-cost-of-weddings-how-we-did-it-and-how... [...]
[...] Beating the High Cost of Weddings: How We Did It, and How You Can Too – a great piece that I plan on referring to a lot of my friends. I have a feeling this winter season many of them will be popping the question. They're going to need some good advice on how to keep the wedding costs under control. [...]
[...] Rich Slowly recently had a guest post Beating the High Cost of Weddings: How We Did It, and How You Can Too. It made me think about one of the costs that is hard to beat: being an attendant in a wedding. [...]
I'm with you on that. What's wrong with doing less?
We invited 20 people (handwritten invitations), had 1 attendant each, wore clothes we already had, asked the friend who introduced us to marry us at the park we'd gone to on our first date, and arranged a buffet brunch and cake at the hotel we were having our honeymoon.
Total cost: under $3000, most of it on the honeymoon.
But look at what we didn't do. We didn't invite a hundred people; we didn't serve booze; we didn't hire a florist, a calligrapher, or a printer; we didn't have clothes made for an army of attendents; we didn't rent a hall.
And the funny part was that we didn't skip those things to save money. We skipped them because we didn't want to bother with them. Neither of us wanted to *PLAN* a Huge Big Event, and even more, both of us did not want to have to *EXECUTE* a Huge Big Event. We just wanted to get married.
Celia wrote:
The reason a wedding costs more than a reunion is that the numerous details you expect your banquet hall to be responsible for are vastly less for a reunion. The cocktail hour is probably going to be longer, you will expect events like a toast to be choreographed, and all of this takes personnel, planning and care; that translates into money.
I'm comparing apples to apples. The services were exactly the same. Same bar hours, we had a toast but people just got their own drink from the open bar – no need to coordinate this with the reception hall.. We had a volunteer cut the cake.. All the reception hall employees had to do was serve food and clean up. The DJ took care of the rest (toast and such).
Wedding planning is not rocket science. I have been to two weddings planned by "professional" wedding planners and couldn't tell the difference between them and weddings planned by the couples. In fact, I think our own personal touch to the planning made it more elaborate and meaningful.
The only value I see of hiring a wedding planner is if you're so busy (and I mean you have to be BUSY) that you can't make the accommodations yourself. During the planning stage, my wife and I were super busy and still managed to plan without a strain. We both had demanding jobs, she was going to night school for her masters, and I was going to night school for engineering.
No problem finding the time whatsoever.
Forgot to mention..
Celia wrote:
I have very little sympathy with any cost cutting motives like going to a photo kiosk for photos.
We put the photos right next to our engagement photos ordered from a photographer and you can't tell the difference..
There is nothing wrong with spending less if you're getting the same quality.
Wedding planning is, in a way rocket science; when it works it's great; when it crashes, it's not. I'm not advocating a wedding planner for every situation; most weddings don't need an extra level of administration, but skimping on the fundamental things that really make that day are decisions you make today that you may regret tomorrow.
You should decide what's really important to you and skip the rest, as Lori said. And excuse me, the really important part is the ceremony. That's why you're all there, isn't it? If you just want to "be married", have a private ceremony with a judge and just have a party afterwards.
i realize i'm reading this 5 months after the post, but thought i'd contribute our story…
My husband and i got married in southern california in aug '07 for $5000…. it was beautiful! We had almost 100 guests and served dinner. Here's how we did it:
1) the wedding was in a Huntington Beach city park ($300 fee)…. they had a little amplitheater, so no need for chair rentals or set up… (this park was also very important to us as we both spent our childhoods going to it!)
2) reception was at the public library that sat at the front of the park grounds– i think this was the largest expense at $2200…
3) thru craig's list we found a digital photographer who had worked for a studio (and didn't have rights/access to her previous work). She not only did the wedding for free (we still tipped her), but spent 7 hours photographing us for "engagement" photos.
4) for the catering– we told then it was for a "Family Reunion" (which pretty much is what a wedding is!) and it cost 1/3 of the exact same food that was on the "wedding" menu.
5) for the wedding cake, we did a nice sheet cake that was cut before-hand and kept in the kitchen, and had only a small wedding cake for cutting the first piece. (and our friend in Culinary school made that for the cost of supplies!) total cake costs were under $100
6) the library allowed beer and wine (only) which we purchased from sam's and costco, chilled in coolers in the reception room's kitchen… we were drinking the extra for a year after!
7) my wedding dress was a gift from a cousin– she had picked it up (for her wedding) at a discount store ($88, non-returnable) and later decided on another dress…
the closest family/friends helped set-up and take down the decoration
9) i had all the flowers done (boutineres, corsages, bouquets) done at a discount flower shop for $200
10) my husband and i made our own wedding announcements (cardstock, printer ink and ribbon) and table-centerpieces for bottom of the barrel prices… (and i think my mom returned all the glass bowls afterwards! lol)
however, we have yet to go on a honey-moon… it just wasn't feasible at the time (we left days after the wedding to drive to NC where i attended school at UNC, so we're working on that now….
hope this helps someone in their planning stages!
As a CPA, I can appreciate the value of saving a buck. I was married, last century and we chose Jamaice and the bridal party consisted of four people from my size and four from my wife's. We then had a reception for all of our friends back in the States a couple of weeks after the weeding.
I am also a professional wedding and portrait photographer and must add a note of caution. Wedding photography is an art and a science. The photographer must not only be in the right spot at the right time, but must also compose the image and provide appropriate condition compensation such as adjusting the flash exposure to the situation and correcting for the color temperature (daylight, Tungsten, Flourescent, etc). Lastly, these images are to last a lifetime and saving a few dollars on photography may not be as wise a choice as it first appears.
I was married last month, and we also wanted it to be special, beautiful, simple, memorable, and not ridiculously expensive. Here's how it went:
Officiant – Got a friend ordained: $0
Location – I scouted lots of public parks, hotel reception rooms, etc, for something nice and not too pricey. However, I live in San Diego, where not only are the park use fees pretty high ($250 and up), but a lot of places are having public events on a Friday evening in the summer. We had a short, no-decorations needed ceremony on a mountaintop park, guerilla-style (no permit): $0.
Reception: held at a friend's house, in the pretty backyard. (Family and friends helped clean up before and after): $0
Dress: I'm so petite that wedding dresses were ridiculously huge on me, and there was no time for alterations. Sears' prom department: $23
Groom & Groomsmen: Husband wore a smashing suit he already had, we bought the three guys matching dress shirts and ties at Mervyn's: $74
Food (20 guests): Husband cooked a tri-tip roast, roasted potatoes, made pasta salad and steamed veggies. We also bought a spiral sliced ham, fruit tray, and a HUGE cake from Costco: $100
Drinks: Beer, water, soda, wine, champagne, one large bottle of rum: $120 (most of this we took home, the alcohol was barely touched)
Photographer: found a photographer with lots of experience but no wedding experience. He was also new to the area and looking for work. 3-4 hours of pictures, plus editing: $220
Hotel room for mothers: $300
Rental car for mothers: $100
Bouquets: bought fresh flowers from Vons grocery, snipped & rubber banded stems, tied with ribbon: $20
Hair: updo at SuperCuts: $45
Makeup: a friend's mother helped: $0
Shoes: used some I had: $0
Jewelry: borrowed from a friend: $0
Music: made a playlist on the laptop: $0
Invitations: we just did phone calls: $0
Chair/table rentals: borrowed: $0
Decorations: wedding aisle at the dollar store and walmart (cute stuff!) $130
Paper plates, utensils, etc: Dollar store wedding aisle: $20
Total cost: $1150
I would say the biggest cost savers are:
A smaller guest list
Being flexible and creative about almost everything.
Good luck!
As a professional photographer, I always inquire of my couples during consultation what their budget is. It is always interesting what the couples value. However, this value is often a short term perspective with no long term value placed on specific deliverables such as albums and prints.


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wellington_street wrote:toolonglegs wrote:Surely in most places the give way line is before the cycle lane..not after it!.No wonder there are so many accidents!.Poor planning.
I have 10kms of cycle lanes each way on my commute...velos always have right of way.
That's a path, not a cycle lane. In this situation the cyclist must give way to all vehicles, the same as crossing any road.
Oh Ok...well,yup, he/she should be on the road then if they want to get anywhere soon.

subset: commoncrawl


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I loved this 3 bean salad. I ate the salad immediately after preparing the salad and also the next day. I preferred the brightness of the lemon on the first day.
The New Three-Bean Salad
Photo: Iain Bagwell; Styling: Randy Mon
No canned kidney beans here--and the flavors get even better if you start the salad a day ahead.
Yield: Serves 8 to 10
More From Sunset
Recipe Time
40 Minutes
Nutritional Information
Amount per serving
- Calories: 123
- Calories from fat: 55%
- Protein: 5.1g
- Fat: 7.5g
- Saturated fat: 0.6g
- Carbohydrate: 10g
- Fiber: 3.3g
- Sodium: 110mg
- Cholesterol: 0.0mg
- Finely shredded zest of 2 lemons
- 1/4 cup grapeseed or canola oil
- 1/4 cup fresh lemon juice
- About 1/2 tsp. kosher salt
- 1/2 teaspoon sugar
- 1 bag (10 oz.) frozen shelled edamame
- 1 can (15 oz.) chickpeas, drained and rinsed
- Ice
- 10 ounce green beans, cut into 1-in. pieces
- 6 green onions, thinly sliced diagonally
- 1. In a serving bowl, whisk together lemon zest, oil, lemon juice, 1/2 tsp. salt, and the sugar. Set aside.
- 2. In a large saucepan fitted with a steamer basket, bring 1 in. water to a boil over medium-high heat. Steam edamame, covered, for 3 minutes. Add chickpeas and steam, covered, until heated through, 4 to 5 minutes. Pour both into a colander, then pat dry on a kitchen towel. Add to bowl with dressing and toss to coat.
- 3. In the same saucepan, bring another 1 in. water to a boil. Meanwhile, fill a large bowl with ice water and set aside. Steam green beans, covered, until tender-crisp, 4 to 5 minutes. Pour into a colander and immediately transfer to ice water. Let sit 30 seconds, drain, and pat dry on towel.
- 4. Add green beans and onions to chickpea mixture, toss to coat, and add more salt to taste if you like.
- Make ahead: Prepare recipe through step 3, wrap chickpea mixture and green beans separately, and chill up to 1 day. Bring both to room temperature before proceeding. Dressed salad can stand up to 1 hour before serving.
- Note: Nutritional analysis is per serving.
My Notes
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The New Three-Bean Salad Recipe at a Glance
- COURSE: Salads, Side Dishes/Vegetables
- CONVENIENCE: Make-Ahead
- CUISINE: American
- MAIN INGREDIENT: Vegetables
- DIETARY CONSIDERATION: Low Cholesterol, Low Sodium, Low Saturated Fat
- PUBLICATION: Sunset
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juan cueva January 20, 2013
si que la haces sentir mujer hasla gritar mas y mas
what a good book xD January 20, 2013
what a good book xD


text:
Making Earned Value More Valuable
The views expressed within the PMI Voices on Project Management blog are contributed from external sources and do not necessarily reflect the views and opinions of PMI.
Leave a comment
4 Comments
Hi Angaa...would most certainly agree that the construction field is very robust in their approach to EV; likley that is a function of the number of providers, cost differentials between components, etc that compels one to really leverage EV as a progress tracking method.
In my IT field its been a bit of challenge to leverage EV...but with the increasing complexity of delivery projects Im starting to see it employed more often...not unlike the construction field...
It is maybe deterrent from organisation to other, but, I think for construction field the best way for PM to use with the EV measurements and calculation is to use man/hr based EV stuff.
Thank you for the nice article
Hi Luis...great point. I see that a lot these days as people think that increased reporting precision = increased project precision. While its great to have that Siz Sigma mindset I think it sometimes constrains projects from being successful....
This topic might just be a good idea for my next blog... :0
Nice to hear from someone near my old hometown of Peachtree Corners...
Hi Kevin,'
Great insights on determining Earn Value. More and more our PMO is being challenged with earn value as we move forward in the IT Shared Services Model. In many cases, the expectation is that we provide information on progress down to the $00.00001, which can be overwhelming.
Luis Berrios - PMP
Alpharetta, GA


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PBL Global #Mentors4KidsMore Related Discussions
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High school wide PBL is transforming the learning environment at Howe High School, a small, rural school in southeastern Oklahoma. All 147 students (9th-12th grades) are participating in 10 weeks of PBL. Our driving question "How can I make my school better?" We would like to pair each team with a mentor outside our town to foster global collaboration, communication, and critical thinking skills while adding another layer of authenticity to this project. What do we need from you? An occasional contact with your team, via video or email to encourage our students to produce their best work possible. Let's take #comments4kids one step further, how about #mentors4kids? Thank you for your interest in our project, we look forward to our future collaboration. Visit http://bit.ly/mentors4kids to volunteer as a Project Lion Pride Mentor - From @TParks and The Project Lion Pride Team - Project site: http://lion-pride.posterous.com
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The guestrooms in this exclusive property are sumptuously decorated and luxuriously equipped. They come with a range of modern comforts such as hairdryer, desk and mini bar to name but a few. Room service is provided 24h a day. Guests can enjoy an intimate breakfast in the comfort of their rooms (not included in the room rate).
At Le Berbère Palace, guests can sample the best of oriental cuisine and some mouth watering international dishes. One can dine at La Maison Arabe and enjoy Moroccan specialties, at l'Oasis which offers international cuisine or at Tablapizza serving Italian snacks by the pool.
Le Berbère Palace is a perfect venue for conferences and meetings. It has a choice of meeting rooms equipped with state-of-the-art features. Events can be organised under the Berbère tent which can accommodate up to 800 people.
For guests' moments of leisure and relaxation, Le Berbère PalaceM features a fitness centre, hammam, hairdresser, Jacuzzi, gym, sauna and massage service. It is a perfect accommodation choice for holidays under the sun in Morocco.


text:
A newly released national survey of addiction-treatment facilities shows an increase in the number of centers with managed-care contracts.
According to the Uniform Facility Data Set (UFDS) survey released by the Substance Abuse and Mental Health Services Administration (SAMHSA), 54 percent of treatment facilities had managed-care contracts in 1999, compared to 32 percent in 1995.
The survey shows that in 1999, private non-profit facilities made up 60 percent of the system, followed by private for-profit programs (26 percent) and state/local government-run facilities (11 percent).
Residential rehabilitation was offered by 25 percent of all facilities. Partial hospitalization programs were offered by 19 percent of facilities, while outpatient detoxification was provided by 13 percent of facilities. Residential detoxification and hospital inpatient treatment were each offered by 5 to 8 percent of all facilities. The survey also found that 64 percent of facilities provided prevention programs.
The survey also found that:
- 96 percent of facilities treated both alcohol and drug addiction
- 65 percent reported that treating addiction problems was their primary focus of activity
- 17 percent said mental health treatment was their primary focus
- 14 percent reported an equal focus on addiction and mental health
- 38 percent of the facilities offered special programs for those arrested for DUI/DWI; and
- 8 percent of all facilities reported that they dispensed methadone/LAAM.
Overall the survey found that the structure of the treatment system has remained relatively stable over the past eight years.


text:
Free tax preparation, plus a lot more
The Interview: Sara Johnson, director of the Baltimore CASH Campaign
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Sara Johnson, director of the Baltimore CASH campaign. (Photo by Colby Ware / Special to The Baltimore Sun / January 23, 2012)
- Early birds can begin filing tax returns electronically with Uncle Sam and Maryland
- Sun archives: The Interview
- Social Security beneficiaries to get 1.5 percent raise
- Pictures: Tips to cut down your grocery bill
- How to find bargains
- 10 places (beside the newspaper) to find coupons
See more photos »
The nonprofit group is heading into its 11th tax season, offering free help for low- and moderate-income area residents. It's part of an effort to bolster families' financial security — "CASH" stands for Creating Assets, Savings and Hope.
Staff and volunteers, who will officially begin the season Tuesday, help people determine the tax breaks they're eligible to receive and can direct tax refunds into savings bonds to build nest eggs.
Director Sara Johnson volunteered at the organization before taking the helm in 2010 — a seemingly inevitable move. Her three previous jobs were at Seedco, the United Way of Central Maryland and the Annie E. Casey Foundation, all either partners or funders of the Baltimore CASH Campaign.
Johnson, 38, lives in East Baltimore with her husband, Jay Moore. She talked with The Baltimore Sun recently about tax refunds, the rough economy's effect on families and who is eligible for her group's help. (Residents may call 410-234-8008 to make an appointment.)
How many people does the Baltimore CASH Campaign expect to help with their income taxes this year?
Well, last year we served over 8,500 filers … and that resulted in about $17.5 million back to the city [in refunds to residents] in both state and federal returns [and] in addition to that, $5.4 million in the Earned Income Tax Credit.
The number that I love the most is $1.2 million saved in fees from people coming to our sites to get their taxes done for free instead of paying for expensive tax preparation.
This year our goal is, I hope, to file about 9,000 [returns]. So we're upping the ante this year.
What's the average refund?
With the Earned Income Tax Credit as well as any refund they're owed from the feds or the state, for our clients [it] is about $2,000. When you add on top of that that they've also saved hundreds of dollars by not paying someone to file their return, we think that really adds up to a good chunk of money not coming out of people's pockets.
At tax time, we help people open savings bonds, savings accounts, purchase CDs, put the money directly onto a prepaid card. … And people really love the savings bonds.
What other help are you providing?
We talk with people about opportunities to save — that's one of the biggest services we provide at tax time. Because a lot of our sites are also co-located within community action centers … folks can also take advantage of some of the other services being provided at these other locations. And after tax season, we really help people figure out opportunities to continue to save.
How do you work with families on financial stability? What does that entail?
One of the things we do is offer … a financial fitness series at the Enoch Pratt Library. I think our one coming up next month is on money and family … budgeting with your significant other.
We also have a "cash coach" program. So this is one-on-one financial coaching … [by] volunteers, often from the financial services industry, that help people reach their financial goals.
Last year we had over $1 million returned to families we were serving just in public benefits we were able to find them eligible for, anything from energy assistance … to health insurance programs.
We're really trying to do a couple things. The first is helping people take advantage of what money might be available to them, and also doing financial educating to make sure people aren't being taken advantage of. … There's a lot of scams and predatory practices out there.
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Sign up for Yardbarker's daily Top 10 newsletter, the Morning Bark! Customize to get news on your favorite sports and teams.
Found April 14, 2013 on BlackSportsOnline:
PLAYERS: Joe Dumars, Lawrence Frank, Ben Gordon, Charlie Villanueva
TEAMS: Detroit Pistons, Charlotte Hornets, Los Angeles Lakers
TEAMS: Detroit Pistons, Charlotte Hornets, Los Angeles Lakers
According to Mitch Lawrence of the New York Daily News, the Detroit Pistons and team president Joe Dumars, are set to go their separate ways after the this season has reached its conclusion. The Pistons aren't in the playoffs for the fourth straight season and they've been irrelevant for a lot longer, as they're almost 10 years removed from their championship season under Larry Brown. It's been a long run for team president Joe Dumars, but league sources say that Dumars' reign will soon be coming to a close. Dumars is so entrenched and such an iconic figure from his playing days, we'll believe it when we see it. But it sure sounds as if he's on his way out, along with Lawrence Frank, who is finishing his second season as coach. I thought Joe Dumars should've lost his job after using the Pistons cap space to sign Ben Gordon and Charlie Villanueva to long-term deals, that's when it became clear that he had lost his mind. The ring protection he received after Detroit upset the Los Angeles Lakers in the 2004 NBA Finals has expired.
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(1600 – 2000) This database in American women's history includes more than 70 document projects, each of which poses a topic and provides a collection of documents, images and links to websites to address the topic. About 5000 pages are added annually to the present database of nearly 30,000 pages of primary and secondary documents. Nearly 600 publications from the Women's Commission Reports are also being added. Other features are a chronology of U.S. women's history and a dictionary of social movements and organizations.
Our licensing agreements require that off campus access to most of these electronic resources be limited to students, faculty and staff of The College of New Jersey. However, all resources are available from within the library.


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Definition of Likert scale in English:
Likert scaleLine breaks: Li¦kert scale
Pronunciation: /ˈlʌɪkət /
A scale used to represent people's attitudes to a topic.
More example sentences
- The authors chose to use the original Likert scaling because the Likert scale preserves more information.
- A Likert scale was used to assess the extent of pain experienced on return to the ward in the day case group and on return home in the outpatient group.
- This information was also recorded simultaneously and was answered on a five-point scale, like a Likert scale.
1940s: named after Rensis Likert (1903–81), American psychologist.
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Word of the day bouffant
Pronunciation: ˈbuːfɒ̃
styled to stand out in a rounded shape...


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Ice skating is offered on ponds at
Goodenow Grove Nature Preserve
in Beecher and
Monee Reservoir
when proper conditions exist.
(Note: Ice skating will not be offered at Monee Reservoir during the 2013-2014 winter season due to an infrastructure improvement project at the site.)
Ice thickness is checked daily during the winter, and the ponds are cleared of debris if the ice is sufficiently thick for skating.
To inquire whether the pond at Goodenow Grove is open for ice skating, please call 708.946.2216.
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Television Blog
New Singing Competition on ABC this Summer - "Rising Star"by Susan Kennedy
Ellen's Oscar Pizza Guy Gets His Tip (VIDEO)by Jess Kelley
Photo Credit: Video Clip You know Ellen would make sure he got his tip! She even added a 'little' extra. Just another reason we lo...Read More »
John Travolta's Oscars 2014 FAILby Jeff Frieders
Did you catch this last night? He said it so confidently, I had actually wondered for a second if I've been pronouncing Idina Menzel...Read More »
Who Hasn't Wanted to Do This?!!?!by Chris Carter
KMSP-TVRead More »
Fake Chef Gets On Wisconsin TV Morning Shows - Can't Actually Cook - Watch Here!by Ben Olson
This past weekend I attended a friend of mine's wedding in Minneapolis. They had a couple of hors d'oeuvres tables set up at the re...Read More »
Jeff Gordon Gets His Revengeby Doc Murphy
You might remember the original Pespi Max Test Drive commercial (scroll down to see the original) where Jeff Gordon pranked a car sa...Read More »
Adam Sandler & Drew Barrymore "Every 10 Years" (VIDEO)by Jess Kelley
These two are the cutest! I'm so happy they are in another movie together! It's called BlendedRead More »
Okay Jimmy Fallon is the King of late night TVby Nikki Montgomery
Jimmy's skits have always been hilarious, but this one might be the best yet! What the Beatles would be like if they were around tod...Read More »


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Checklist Tools are Available to Aid Member Compliance with New OPTN Living Donor Policy
OPTN policy changes for living donation create national standards for evaluations and informed consent of all living kidney donors. The changes were approved by the OPTN/UNOS Board of Directors in November 2012 and are effective February 1, 2013.
Several resources are available to explain the changes. Living donor recovery hospitals can use these checklists as they develop their site-specific templates, tools, and internal policies and procedures. The checklists contain the required elements found in OPTN Policy 12.0 that pertain to:


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Canada's Magazine on collection, hauling, processing & disposal
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SSI Shredding Systems, Inc. has signed a new distribution and service agreement with U.K.-based Challenger Group to increase sales and service support throughout the U.K. and Ireland, the companies have announced.
Over the past several years, the industrial equipment manufacturer has installed more than 70 high-torque, low-speed shredding machines around Britain. In that time, SSI has seen continued market growth and responded with a significant plan to satisfy the needs of current and potential clients.
"With the number of units we have in operation in the U.K., it makes sense for SSI to have a strong partner there like Challenger Group who can efficiently handle both the sales and service of our equipment," said Joby Easton, Sales & Marketing Director for SSI Shredding Systems, Inc., in a statement to media.
Based in Hull, U.K., and with two additional locations, Challenger Group is well positioned to meet the British region's industrial shredder sales and service needs. The Challenger Group offers a comprehensive design, manufacturing, installation and after-sales service for systems in a diverse range of applications throughout most industry sectors in the UK and Ireland. They specialize in a range of areas, providing products such as balers, compactors, conveyors and hydraulic cylinders, along with equipment to provide services such as drum and IBC reconditioning.The two companies reacquainted in September 2012 at the Birmingham NEC for the RWM trade show. Challenger and SSI discovered they had a vast number of mutual clients and realized there were many possible benefits in a working relationship between the two organizations.Richard Green, Managing Director of the Challenger Group said, "I believe that this agreement is a great strategic fit for both Challenger and SSI as we have been manufacturing support frameworks, conveyors, lifting tippers, ram assist hoppers, etc. that feed material to and from shredders for many years. In addition, we have been providing after-sales service on a number of shredders, including cutter replacements and full rebuilds of a number of different makes and models of shredders."Combining efforts and expertise allows SSI Shredding Systems and Challenger Group to significantly impact the needs of shredding and size reduction clients throughout the United Kingdom and Ireland. This supports many of the same goals of each company and helps further establish each as an international solution provider.
About SSI Shredding Systems
SSI Shredding Systems, Inc., of Wilsonville, Oregon USA engineers, manufactures and services industry-proven size and volume reduction solutions for a wide array of size reduction applications from scrap metals to solid waste to tires. Since 1980, SSI has manufactured and installed equipment in 47 countries across all 7 continents and continues to provide industrial shredding and compaction solutions to the World.Find out more about SSI Shredding Systems, Inc., by visiting their website at www.ssiworld.com. Or contact them by email at email@example.com or call +1 503-682-3633. To learn more about Challenger Group, visit their website at www.challenger-group.co.uk. Or contact them by email at email@example.com or call +44 (0)1482 224404.
DisclaimerNote: By submitting your comments you acknowledge that Solid Waste & Recycling has the right to reproduce, broadcast and publicize those comments or any part thereof in any manner whatsoever. Please note that due to the volume of e-mails we receive, not all comments will be published and those that are published will not be edited. However, all will be carefully read, considered and appreciated.
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Collecting waste and recyclables below-ground in single or multiple streams has gradually gained acceptance over the past decade in North America. With the introduction of the new EarthBin™ (www.earth-bin.com) by Progressive Waste...
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This August, the Canadian Standards Association (CSA) posted a Notice of Intent to work on the development of a new guideline, SPE-750 — Recycling Process, Audit and Verification Guideline for Ontario. These guidelines will be a warm...
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How would you represent this feeling or idea with a symbol?
Tell us what your emotion or idea is.
What would you use as a symbol?"
I would represent the feeling of courage with the image of a bright, craggy mountaintop. See what other kids said Page about this work


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March 2009
Bocas del Toro are the islands in the Caribbean of Panama.
Surfing in Bocas was one of the most epic trips I've ever had.
The islands are really small. There's one main island with roads and cars, otherwise the only form of transport is boat. We stayed on a small island called Caranero Cay. There wasn't much to do except surf, lie in hammocks, and relax.
We surfed two main surf breaks – Caranero & Paunch. The waves were really good. The waves broke over reef, weren't too crowded, and the locals were very friendly. This may be a biased opinion due to blonde hair and small bikinis but the locals would call us over to the peak and cheer Jill and I into the set waves. I hear a lot of varying opinions regarding local hostility but just remember that a smile and cheerful disposition will go a long way.
I surfed these two breaks and only lefts on this trip. There are a lot of other good waves in Bocas that are worth exploring. Aside from surfing, my family had a great time snorkeling and cruising on boat to the various islands. We scored with waves though. Bocas can be very inconsistent. There are times you may go to surf Bocas and not find any waves. This could be frustrating so try to travel December-March for the best chance of waves!
We stayed at Hotel Tierra Verde. The hotel was amazing, tucked away in the jungle with ocean views. The owners were so nice and helpful. They gave us surf advice and called boats for our transportation. I highly recommend Tierra Verde for accommodation.
To get to Bocas, you need to take a smaller flight from Panama City. While in Panama City, my mom forced us to visit the Panama Canal. It's kind of cool but I'm not a big sightseer. There's also an unreal mall in Panama City, such good shopping- check it out!
My mom was bored. My sister got violently ill. My dad got sunburnt. I had the time of my life in paradise. We got very, very lucky with waves. Bocas may not be for everybody but I highly recommend visiting these gorgeous islands. Be smart about the time of year you are traveling and check the swell forecasts. Jill would recommend not accidentally drinking the local tap water.
I liked Bocas 100x more than Oahu. Bocas's a paradise relatively close to home, which remind me of an island in the South Pacific. Bocas is truly gorgeous and breath taking.
I'd love to hear about other Bocas stories/recommendations/advice! Feel free to leave comments!


text: Print article Send a Tip Wendy Davis Feminism: Stand By Your Man Until the Bills Are Paid by Lisa De Pasquale 21 Jan 2014 post a comment Wendy Davis is continuing in the footsteps of "great" feminist leaders who climbed up the political ladder on the backs of the men who supported them financially. It was revealed in the Dallas Morning News that her ex-husband cashed in his 401k and took out a loan to pay for her law degree at Harvard. Over time, the Davises' marriage was strained. In November 2003, Wendy Davis moved out. Jeff Davis said that was right around the time the final payment on their Harvard Law School loan was due. "It was ironic," he said. "I made the last payment, and it was the next day she left." Likewise, feminist icon Gloria Steinem used her relationships with men to advance her career in journalism. Many people have touted her job as a former Playboy bunny as some sort of eye-opening experience about the roles of men and women in society. However, most neglect to mention that she sought the job specifically so she could write an article about it for a men's magazine. Many also neglect to mention that her first issue of Ms. magazine was funded by her first media boss, Clay Felker of Esquire magazine. For all her complaining about the glass ceiling, time after time the male-dominated publishing industry lifted her up. There is nothing wrong with taking advantage of opportunities offered to women by men (well, unless you're the mother of two children and cheating on your husband while he pays your bills). What bothers me is that women use these opportunities to bash men and keep women in a victim mindset. The other aspect of the Wendy Davis campaign that's coming to light is what we keep seeing time after time from Democrats like Barack Obama and John Kerry and their cohorts in the media. These elaborate narratives are concocted with half-truths in order to advance their candidacy. The community organizer. The anti-war soldier. The pretty feminist in pink. The media is happy to play along with puff pieces that tell the stories the campaign wants to put forth. Meanwhile, stories about conservative candidates' struggles are downplayed or ridiculed. Cruz and Rubio? Fake Hispanics. Mia Long, Tim Scott and Erika Harold? Uncle Toms and tokens. Phyllis Schlafly, the first woman asked to attend Harvard Law School? Bored housewife. But, Wendy Davis who now admits to overstating her struggles as a young, single mother and who stayed with her second husband until her law school bills were paid? Feminist icon.


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Discovering The Truth About Clubs
The Rewards Of Health Club Members And Having Personal Health Trainers
If you are planning to become member of a health club? If so, then you are among the millions of individuals who have intentions of becoming fit and healthy. Nonetheless, there are some men and women who lack the impetus to achieve them. A personal health trainer is the ideal person who can assist you in achieving these goals. If you dwell in any areas of Illinois, then there are multitude of health clubs which can assist you in achieving these goals like Health Club Orland Park, Health Club Naperville and etc.
These facilities offer training sessions that are specifically customized and designed for their members. In case you dwell in Naperville and you decided to get membership from Health Club Naperville, you will have your own personal trainer Naperville who can guide and can assist you in the whole term of your membership. Your personal trainer Naperville will develop a customized health program, diet plan as well as exercise program based on your needs. Moreover, these people will make required changes on these programs should the need arises.
With the rising cases of obesity and its implication on health, more and more individuals are becoming conscious of their health. It is beneficial to be under the supervision of an accredited personal trainer Naperville because one can attain as well as maintain one's health objectives. These health professionals are knowledgeable on the types of exercises that work suitably for your body. With them on your side, it would be easy for you to adjust with your exercises as well as fit them to your schedules. Personal health trainers such as Personal Trainer Orland Park, Personal Trainer Wheaton or Personal Trainer Naperville have the certification and credibility to keep you motivated and focused towards achieving your targets efficiently. By infusing new techniques, exercises and methods, you can prevent boredom and keep you from becoming demotivated.
These health professionals can assist you in obtaining different health-related objectives such as toning the muscles of your body, developing your cardiovascular system, losing weight as well as boosting your stamina and energy levels. These professional health trainers can also help you in minimizing your stress and anxiety level, improving your sports performance as well as boosting the flexibility of your muscles. During the whole training session, the Personal Trainer Naperville will explain to you the significance of physical fitness and its impact on your health.
Before you start any physical fitness session, it is advised that you inform your Personal Trainer Naperville about exercise history, your medical history and your first fitness evaluation so he or she can formulate diets and exercises with care suitable to you. Most of the health clubs and gyms today offer personal health programs that are cost-effective, flexible and effective.
About The Author: Harvey is an industry journalist and passionate blogger. He enjoys attending industry events, blogging, and taking long walks. You can find more information by visiting the following resource: Gym Membership Naperville You can find more on the author's website.


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Pizza Time TMNT ShirtProduct Sku: TMNT169
$ 20.00
- Any time is a good time for pizza, especially if you are a Teenage Mutant Ninja Turtle. This TMNT shirt shows our heroes in a half shell, Michelangelo, Leonardo, Raphael, and Donatello enjoying their favorite snack. As many fans of the Ninja Turtles know, they have experimented with many different pizza toppings. Here, they are seen with just pepperoni. Perhaps they are eating light, awaiting a battle with the Foot Clan. This shirt is perfect for any fan of Teenage Mutant Ninja Turtles.
Size Width (A) Length (B) Small 18" 26" Medium 19" 27.5" Large 22" 28" XL 23" 28.5" 2XL 25" 30"
*Measurements are listed in US Inches.
*Bust or chest is done by doubling the width measurement.
*For full circumference of the waistline, double the waist measurement.
- • Product Type: T-shirts
• Color: Grey
• Gender: Mens
• Graphic: Screen Print
Distressed refers to the worn appearance in the image or lettering on a garment. A distressed print may include faded areas, missing color, or other irregularities. This is an intentional occurrence in the product and adds to the vintage look of the design.• Tag Location: TaglessThe traditional size tag has been removed from the neck seam. Sizing and composition information is screen printed on the inside of the back of the shirt, just below the neck seam or collar. Popular clothing brands often use tagless t-shirts for extra comfort when wearing.
• Made of: 100% Cotton
• Fits like: True To Size
• Fabric Softness: MediumT-shirts of MEDIUM SOFTNESS are composed of mid-weight, fairly soft fabric. These T-shirts are not vintage style, but do offer a higher level of softness and flexibility than your standard T-shirts.


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Review Train: Olympus E30 and E520, Canon G10 and SX10IS, Nikon P6000, TZ5, etc
Welcome to a new edition of the "Review Train", a silly name we use for recent review round-ups :) For a reference list of all the reviews we track, be sure to visit and revisit noisyreviews.com.
Spotlight: Lighting the Way reviews
Two back-to-back reviews of the rare creatures we call "RAWsumers" have been posted at Lighting the Way. Hot off the e-presses is a review of the Canon G10, which preceded the review of one of its competitors, the Coolpix P6000.
DSLR Reviews: Unofficial Olympus Review Week
Not one, but two reviews have been posted for the Olympus E30, by Photography Blog and also in the time-traveling March 2009 edition of Popular Photography, which you can already read online.
The Olympus review week continues with the Olympus E520, quite possibly one of the best-bang-for-the-buck DSLRs at the moment, and its latest review got published at Imaging Resource.
You can get the storm-trooper edition if you like, but underneath the body paint, it's the same camera, even if it's wearing a Darth-Vader color-scheme! And with that as a preface, here is the Pentax K2000 K-m review at Photo Review, complete with all the measurables for the technically-inclined!
If you missed it, be sure to check out the recent feature of the Sony Alpha A900 review at Photography Blog.
SuperZoom Reviews
Zoom! Zoom! The replacements are coming, but if you want or need a camera now, the Panasonic TZ5 is the model you can get. And a new review has been posted on this fun-zoom, at the aptly named Photography Review.
Next up, we have a review of perhaps the most popular super-zoom at the moment, the Canon SX10-IS, reviewed by tech-review super-site Trusted Reviews. As usual, no spoilers, but for the speed-readers conclusions are on page #3.
Other Reviews
How have laptop displays evolved with regards to digital photographers? Galbraith takes a closer look.
And we close with an "LSM" review at the Online Photographer. LSM? Yes, that's short for the book with the colorful cover, "Light, Science and Magic". Check out the book review.


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iPhone - iPod
Tiny Sheep Answers for iPhone - iPodHome / iPhone - iPod /
Game Questions & Answers (Q&A) service lets you ask questions about video games for game consoles or PC games. So ask your Tiny Sheep question for iPhone - iPod and get answers from real gamers or answer questions and share your insights and experience with the rest of the gaming community.
- Developer: SiuYiu Limited
- Publisher: SiuYiu Limited
- Genre: Miscellaneous Edutainment
- Release Date: Dec 17, 2012
- ESRB: Not Set
Question & Answers
Answer from: KimboSliced
No, you can't harvest them (I wish!) but I just put my she really close to the mushroom so that they have to eat it. Sometimes it doesn't work though..
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Unanswered Questions
More shearing huts needed, says reached my limit
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How do I use the baby booster?
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