March 31, 2008

Pre-Marital Credit Counseling

You’ve heard of Pre-Marital Counseling, but credit counseling? Do you know what each other’s credit scores are? Your credit reports will teach you a lot about each other, your attitudes toward money and paying bills. This is very important in a relationship to help decide who will take responsibility for the money. Usually it’s one spouse or the other. Sometimes, you’re both adept at handling your money so you’ll do it together.

What are your plans for large purchases? A new home? An Automobile? Even that really cool HD Television? If you visit a qualified mortgage professional, they can help you with your financial plans so everything that you’d like to achieve together becomes possible.

Purchasing a home today takes planning. It may be a short term plan, say in the next 6 months. But most likely it’s a long term plan, that can be 1-3 years out. There are so many things you can do to optimize your credit score, this will help with not only purchasing a house, but also will help your car insurance rates, your credit score will determine a path for your future.

Only a qualified mortgage professional with special training in credit score optimization can help you achieve the highest credit scores possible. There will be a new credit scoring model that comes out in June of 2008 called FICO 08. This will again change the way credit scores are calculated. Putting emphasis on different types of credit. If the person you’re talking to hasn’t heard of FICO ’08 run, don’t walk from their advice! They will not be up to date on the changes in credit scoring.

Unfortunately even some of Suze Orman’s advice could be incorrect once the new scoring model goes into effect. Find a mortgage professional that is up-to-date and make an appointment. Even if you don’t plan to buy a home for 5 years. Get a plan in place that as a couple you work on together!

Contributed by Grand Rapids Mortgage Pro, Deb Laakso, COE of The Mortgage House and member of Grand Rapids Dream Weddings

March 26, 2008

Honeymoon Planning

A honeymoon should be a celebration all on its own; not an afterthought. You spend countless hours, days and sometimes weeks planning for your “Big Day.” But when it comes to the honeymoon, it’s sometimes done without the planning. This is your dream vacation and the time to celebrate your life together.

So here are some things to consider:

Dream, dream, dream! Start talking today about where to go. Check out my blog on this website dated January 29, 2008 to get you thinking.

When to go? Never, if at all possible, plan to leave on your honeymoon early in the day following the wedding. I recommend couples give themselves a day or two, if possible. The day following a wedding is sometimes filled with visiting with family and opening gifts. How much vacation time to you have? A trip to Tahiti or New Zealand requires more than a week because of the travel time and time zone differences.

Budget: So how much do you plan to spend? Be realistic but don’t shortchange yourself. Which do you think you’ll remember more in ten years – the candles on the table at the reception or the private candlelit dinner on the beach?

Hire a Travel Agent: 85% of all honeymoon couples use a travel agent. Why? Because they take all the worry out of planning this all important trip. Look for an agent that specializes in honeymoons and destinations weddings. Be prepared to share your budget and possible destinations with the agent. The agent will then be able to research and fine-tune this information to get you the best package to meet your dreams!

Contributed by Grand Rapids Travel Agent Anna Kruse of Dolphin Vacations.

March 18, 2008

How to Work with Your DJ

When I do a wedding the bride is my boss. My job is to make her event a success and I will do whatever I have to do. A bride and groom always want their guests to be able to make requests, but problems usually arise when those requests are in direct conflict with what the bride and groom are looking for (ie, the Chicken Dance may be on the "DO NOT PLAY" list).

Some DJs ask that you make your requests online, before the event. At Encore Music, we want to meet with the bride and groom to discuss what they are looking for on their wedding day. I feel this is the only way I can find out what the bride and groom are looking for on their wedding day.

DJs who ask for requests online puts them in an awkward position. For example, if a song such as "Metallica" is requested online, the DJ does not have the ability to let that person know that "unfortunately, it doesn't fit the tempo of the evening right now, but could I suggest this song..." If this person requested the song at the event, I can always suggest another song, the bride stays happy and the person who requested the song is happy because his music is going to be played! It's win-win all around.

So, if a DJ asks that you only make music requests prior to an event, ask why they prefer to work that way. At Encore Music we want to make sure your event runs smoothly and are constantly adjusting the music we are playing during the actual event, not just working from a list of "pre-chosen" music.

Contributed by Grand Rapids DJ, Rich Kosty of Encore Music.

March 10, 2008

New Ideas in Flowers for your Wedding Day

After selecting her wedding gown, a bride usually next turns her attention to her wedding bouquet. As every professional floral designer knows, the bridal bouquet is typically seen as the focal point of all the wedding flowers, and today's brides are taking advantage of that fact as they plan the flowers for their weddings. Wedding gowns are becoming more glamourous, featuring striking silhouettes and elegant detailing, and wedding bouquets are following suit (if you want to know which wedding dress styles will be popular, just watch the annual telecast of the Oscars or the Emmy Awards and observe the gowns that the stars are wearing). This year, the trend is toward mermaid-style gowns; usually strapless, tightly-fitted at the waist and knees, and having a broad trumpet flare at the hemline. Naturally, such a dramatically-tailored dress calls for an equally stylish bridal bouquet to be carried as the perfect complement.

Thus, the current trend in wedding bouquets is to keep them small, compact and tasteful, using exquisite types of flowers and gorgeously-detailed accents. The bridal bouquet should reflect the character of the gown, and must not compete with or overwhelm it. Customization is the key. Just as all the wedding flowers are an expression of the bride's taste and personality, so is the bouquet designed to be uniquely hers. And just because a wedding bouquet may be small doesn't mean that it has to be ordinary.

For example, today's wedding bouquets are more likely to be colorful instead of white. The custom of carrying a bridal bouquet of all white flowers is said to have originated with Queen Victoria's wedding to Prince Albert in 1840, when she wore orange blossoms and carried snowdrops (Albert's favorite flower). Even then, wedding fashions were influenced by the choices of those in the public eye. Now, warm colors are in, and a stylish bridal bouquet may be composed of flowers in varying shades of red, including those hues that harmonize well with it. Exotic types of flowers, such as deep purple callas or yellow and crimson gloriosa lilies, might be combined with more familiar blossoms like burnt orange tulips and scarlet red roses, creating a very eclectic assortment. In such a bridal bouquet, it is the impact of color that makes the statement. White would not be included in the assortment because its presence would dilute and diminish the effect created by such a bold color harmony. Furthermore, colorful flowers show up beautifully in the wedding pictures, documenting memories that last a lifetime. White flowers are more difficult to photograph effectively, especially against a white dress.

Texture is another important element of contemporary bridal bouquets. The detail of texture is enhanced by mixing different types of flowers, such as waxy hypericum berries or fluffy sprigs of heather, with the velvety surfaces of rose petals or the frothy appearance of seeded eucalyptus. Delicate spray orchids may be combined with the bolder outlines of lilies or gerberas to create dramatic contrasts in texture. Or, the wedding bouquet may be composed of numerous blooms of just one type of flower - stephanotis, for example - so that the smooth, creamy texture of the blossom is not overpowered by the presence of any others. Texture in a bridal bouquet, just like color, can be emphasized either by contrast or by

Another current trend in wedding bouquets is the inclusion of non-floral accents. Ribbons are making a comeback as accessories to bridal bouquets, not in the form of big candy box bows, but as dainty and understated streamers, or wrapped 'ballet slipper-style' around the clustered, natural flower stems. Extra-wide ribbon (4" or more) is often used as a decorative band around the stems of the bouquet, providing a beautiful fashion statement, as well as a luxurious place to grip the flowers. Following the trend toward bigger and brighter bling, pearls, beads, and faux jewels are appearing quite often as embellishments to the flowers, sometimes strung on slender, reflective wires dancing over the surface of the bouquet, threaded onto thin strands of grass and left to dangle, or even glued inside the petals. Such flourishes bring the magic and sparkle of light to the wedding flowers as they're carried down the aisle.

More and more, flowers are appearing in the hair of brides and bridesmaids. While perfectly suitable for the most extravagant affair, this trend is especially popular with less formal weddings when the flowers may be worn instead of a veil. The blossoms in the bride's hair should match or coordinate with the ones in her wedding bouquet, and may be affixed to a comb or barrette, worn on a headband, or inserted individually into a flower-friendly hairstyle. Hair flowers aren't the only popular floral fashion accessory for members of the bridal party. with you, and let your floral designer create the kind of wedding bouquet that dreams are made of.

Contributed by Grand Rapids Florist Bob Brewer of Brew's Creations in Floral.