About Wedding Insurance and Avoiding Related Losses

Congratulations! You are engaged to be married!

After a couple decides to marry, there is a lot of exciting planning to do for a wedding.
From booking the hall to renting or buying proper wedding attire and hiring the services of vendors such as a caterer, a florist, a band, a photographer, a videographer and others, the event requires carefully thought-out preparations.

But as luck would have it, perceived results of wedding plans do not always fall into a no-fail outcome. Accidents and heart-dropping mishaps can – and often do – occur even at the biggest day of a new couple's life together.

Fortunately, there is wedding insurance to cover any related upset.

Here are some important things a wedding insurance policy can cover.

Insurance Coverage for the Wedding Event

Liability: If the hall or equipment incurs damages that the wedding party is responsible or if a guest gets injured at the event, wedding liability insurance can pay for associated costs.

Cancellation or Postponement: If an unexpected event occurs, like extreme weather or illness, and the wedding has to be called off or postponed, this coverage will pay for the related expenses.

Vendor Failure: In the event the photographer or other wedding vendor does not show up or does not deliver goods at pledged date, this will give you coverage.

Wedding Gift Loss: This coverage extends to items presented as gifts to the bride and groom, but not for cash or gift certificates or cards.

Special Attire: If any of the special clothing worn by the wedding party is lost, stolen or damaged, this coverage will pay for replacement or repair.

Special Wedding Jewelry: If the ring or other special jewelry for the event is damaged, lost or stolen, this coverage will step in to pay for associated costs.

Loss of Wedding Related Deposits: in the event on of the hired wedding vendors goes out of business and does not deliver services or goods, this coverage will pay for deposit losses.
Liquor Liability: If the wedding party is liable for damages or injury due to intoxication at the event, this form of insurance will cover the costs.

Just as there is no person or couple that is alike, each wedding comes with its unique set of exposures. Speaking with an experienced independent agent about your related insurance needs will clarify the issues. Moreover, an independent agency offers policies from many different companies and the expertise of a professional shopping the insurance network for you to present tailored coverage at competitively lowest rates!

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Heavy Clothing – Keeping Your Winter Wear Ready to Go

In in the winter months in most areas, you're going to need heavy clothing to keep you warm while out and about. Whether you're headed to work or enjoying some fun in the snow, you need quality clothing to keep you warm and protected from the elements.

As you may know, a lot of heavy clothing and winter wear is not easily cared for at home. You can't just toss it in the washing machine and let it go. It requires special attention like that only a professional dry cleaner can provide.

There are a variety of types of winter clothing to keep you warm in these bustling seasons. Here are some examples of those you might need help with cleaning and care:

  • Coats – The most basic of winter weather and heavy clothing but that which is often the hardest to care for and the most important. You spend a great deal of money on a nice heavy coat so be sure to care for it properly.
  • Gloves and mittens – High-end gloves and mittens you can't throw in with the rest of the wash, lest they be destroyed. Allow us to help you properly clean these items and you won't have to worry about playing in the snow or if you spilled some hot cocoa on your favorite designer gloves.
  • Scarves – This is often a top-dollar item and you can't just put it in the washer. Special dry cleaning ensures your scarves look as good as new all winter long and you'll have them ready for next season, too.
  • Sweaters – The classic in heavy clothing that gets warped out of shape if you try to put it on a hanger. Your sweaters need special care both for washing and for storing.
  • Holiday dress items – You know those clothes you only pull out for that special time of year? Your holiday attire needs careful attention.

Many heavy clothing pieces have embellishments or decor on them that get damaged if washed in a rough-and-tumble machine. This is just one more reason to have them professionally cleaned.

We can help with everything from fine fur to leather and other materials on your heavy clothing. The goal is for you to leave it with us and not worry or fuss over it. It's that easy!

If you'd like to learn more about how to properly care for your winter weather gear, take some time to study up on the subject today. Allow a company to take all the worries out of the cleaning for you so you can focus on more important things, like enjoying your life.

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A Fashion Designer’s Job

A fashion designer thinks up combinations of line, proportion, color, and texture for intended garments. They may have no sewing or pattern making skills whatsoever, and may only sketch or conceptualize garments. A seamstress is someone who sews seams, or in other words, a machine operator in a factory who may not have the skills to make garments from scratch or to fit them on a real body. A custom clothier makes custom garments one at a time, to order, to meet an individual customer’s needs and preferences. An alterations specialist (alterationist) adjusts the fit of completed garments, usually ready-to-wear, or restyles them.

Designers

Designers have the flair for creating with fabric and know how to use textiles effectively. However, Milan is seen as the fashion capital of Italy because many well-known designers are based there and it is the venue for the Italian designer collections. Most textile designers start out by applying for courses either in fashion design or textiles. A stylist is either a person who co-ordinates the clothes, jewelry, and accessories used in fashion photographs and catwalk shows or a kind of designer whose designs are based on existing things, trends, and designers collections.

Job competition is expected to be keen as many designers are attracted to the creativity and glamour associated with the occupation, while relatively few job openings arise. Footwear designers help create and produce different styles of shoes and boots. Accessory designers help create and produce items that add the finishing touches to an outfit, such as handbags, belts, scarves, hats, hosiery, and eyewear. Some designers conduct their own research, while others rely on trend reports published by fashion industry trade groups.

Textile manufacturers use these trend reports to begin designing fabrics and patterns while fashion designers begin to sketch preliminary designs. During this time, designers usually will narrow down their choices of which designs to offer for sale. While most designers initially sketch designs by hand, a growing number also translate these hand sketches to the computer. CAD allows designers to view designs of clothing on virtual models and in various colors and shapes, thus saving time by requiring fewer adjustments of prototypes and samples later.

Department

Experienced designers may advance to chief designer, design department head, or other supervisory position. The best job opportunities will be in design firms that design mass market clothing sold in department stores and retail chain stores, such as apparel wholesale firms. Elizabeth Arden, wanting to be the first to bring Paris fashion to New York, persuaded Castillo to work in the haute couture department of her New York salon in 1945. US department stores produce their own less expensive private labels, which are heavily based on top designers.

Designers need to have visual imagination and the ability to think in three-dimension to translate into garments what they visualize. Designers must be good communicator and very clear with their ideas which is reflected in the presentation of fashion shows. Designers use the web in many functional mixtures. …

The Pros and Cons of Buying Fire Resistant Clothing For Employees

As a safety precaution, most companies particularly those dealing with flame and heat needs to provide fire resistant clothing to their employees. Hence, finding the right brand of that is both inexpensive and with quality is their main goal. Nowadays, providing safety precautions is hard especially that many businesses are experiencing economic crisis. An option of a company to save money is either to buy or rent clothing for their staffs. Both have pros and cons, but this article will point out details about the advantages and disadvantages of buying safety clothing for employees.

Majority of companies prefer to purchase rather that rent clothing. They believe that this is the most practical option. Although this might be true, there are still pros and cons when purchasing protective gears for workers.

An advantage of purchasing is that the company is given more varieties to choose from. A wide selection of clothing in regards with fabric, style and brand allows the company to be meticulous.

Regardless of where you purchase the clothing, you are absolutely in control of what you will be receiving. Seller will have no excuse about damages because guarantees are given upon purchase.

However, there are also disadvantages of buying fire resistant clothing. One is higher chance of improper clothing care. Because the clothing is handed to workers, they are now the one responsible for it. Workers might not know the correct way to take care of the clothing and that compromises the lasting life of the gear.

Price fluctuation should also be considered when buying. The price of the garment can change depending on turn-over and replacements.

Purchasing fire resistant clothing is difficult and should be well-thought before deciding.

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Animation Style – The Attraction of Anime

Before I discovered anime, I was a child of the Warner Bros, Hanna-Barbera, A.A.P.(Associated Artists Productions) and Disney generation. I was raised on Bugs, Jonny Q, Popeye and Mickey. My understanding of basic physics came from Professor W. E. Coyote. My early understanding of people came from B. Bunny. Yogi encouraged us to visit Yellowstone National Park and taught us not to feed the bears. Jonny Q made it cool to have a dad who was an international scientist. The Disney studio gave us the unforgettable mix of Hollywood spectacle, choreography and musical and also taught us the value of marketing, plus giving us a theme park or two. Anime has brought a whole new generation a different set of style, script, color palette, sound effects and cultural perspective.

Strong Female Characters: If you haven’t noticed, the characters I have mentioned above were male. In anime, female characters are prevalent, strong and held in esteem or respect. The anime film, Princess Mononoke is a classic example of a story with strong female characters. Two of the three main characters are female; San a.k.a. Princess Mononoke (female), Lady Eboshi (female) and Ashitaka (male). The films’ tag line of; “the fate of the world rests on the courage of one warrior”, gives thought as to who of the three that one warrior is. Within this group each individual is a warrior with great qualities and strengths within their own scope within the storyline. If you have not had the pleasure of watching the movie, it is not my intention to spoil your experience by further discussing the plot. I only encourage you to view the film for yourself noting the roles and interactions of the male and female characters.

Timeless Story Themes: The timeless nature of the anime story theme is not merely the classic superficial good versus evil conflicts, but rather the deeper conflicts that arise in differences of opinion or point of view. Anime scripts have a tendency to reveal visually more information on a character’s background which then gives the audience a more meaningful understanding of that character’s personal struggles. In many instances the audience will feel a reflection of that conflict within their own soul.

Social Commentary: Traditionally much of Japan’s writing has had a slant regarding the negative outcomes of technology outpacing cultural or social development or wisdom. The fact that Japanese anime has such a following in much of North America and the world at large suggests an importance in those concerns being expressed. In the film “Princess Mononoke”, the conflict between the old traditions of agriculture and the holistic or animistic beliefs pitted against the progress of Iron Age technology has meaning in many areas of today’s global issues. Anime stories traditionally expose and question the lines of progress, commerce, loyalty, honor and culture all within the graphic nature of animation.

Less Dialogue – More Meaningful Acting: North American movies in general use a lot of dialogue in scripts. A lot of traditional anime will …

Is Buying Eco Friendly Clothing Worth It?

Shopping for eco friendly clothing is something I enjoy doing. I like the quality I find and the easy to wear, fashionable styles. Unfortunately, it is not something I do often. Buying organic or sustainable clothing can be expensive.

I have to admit that in the past my clothing choices were made most often by price and quantity, cheap clothes cluttering up my closet made from fabrics that could hardly be called environmentally friendly. Perhaps, one of the better things I have done for myself is to buy less. Through the years I have begun to appreciate owning less stuff and when I do make a purchase I buy the best quality I can afford. Surprisingly, my son is partly responsible for changing my ways.

As he was growing up I talked to him about buying cheap stuff like toys that usually ended up as trash shortly after we bought them. I encouraged him to think about his purchases. A few bad experiences didn’t hurt. You never think your kids are listening but I guess he took more to heart than I thought.

He has chosen his own clothes for several years now. I used to go with him and help now I just give him the money and let him go. I discovered very early on that he liked quality. He would rather own two good shirts than ten cheap ones. He shops carefully and doesn’t bug me too much when what I give him does not go as far as he might like.

For me, it was always dollars and cents. I just didn’t spend money on myself so I tended to buy cheaper. It took me a while to see I was teaching him a great lesson that I was not following myself. I began to think about the clothes in my closet and how so many of them were just stuff to put on.

Eco Friendly Clothing – A Great Choice For Fashion

Today, most clothing from the discount store to the department store is made with a surprising number of nasty chemicals. From the pesticides and herbicides used during growing to the chemicals used to process the fibers on to the dyes to color and other chemicals used to treat the fabrics. Natural materials that can be grown without pesticides and processed with a minimum of chemicals is the better environmental choice.

The new eco friendly clothing we are seeing is being made from a variety of sustainable fabrics. Natural fabrics like organic cotton, hemp, bamboo, soy or peace silk along with some man made materials like tencel or fleece are finding their way more and more into our fashions. They provide us with choices that are better for the environment and ultimately better for us too.

When I shop now I look for quality both in the clothing and with the companies I shop from so it just made sense to choose organic or other sustainable fabrics. It seems that many companies that care …

Buy One, Get One Free Deals Can Be Found on Most Products

Shopping, just like so many things, has its very own language. Among the most highly sought after deals is the BOGO. The “Buy One, Get One” or BOGO is a popular form of sales production. While rarely presented to consumers in acronym form, this type of marketing technique is known as the BOGO, and is considered as one of the most effective forms of marketing special offers. People often get ecstatic at the thought of getting one item free and that makes BOGO deals very attractive to consumers.

The Buy One, Get One Grocery Deals

Food manufacturers and grocery stores often feature BOGO items in their establishments. These deals are often advertised in fliers. They can also be left unadvertised during in-store sales and promotions. Buy One, Get One deals can often be seen in shampoos, lotions, paper napkins, detergents, liquid cleaners, air fresheners and other household d grocery items.

There are grocery stores that even allow stacking up coupons that involves the use of the brand coupon together with the store coupon. Diligent bargain shoppers and coupon clippers can always get a great deal by using in-store BOGO promotions and manufacturer coupons.

Buy One, Get One in Retail Stores and Fast Food Chains

Retail stores offer BOGO promotions on shoes, house ware, clothing and etc. Payless Shoes often offer BOGO deals that are definitely worth the wait. There are other boutiques, clothing stores and even fast food chains that offer a variation of the BOGO deal by offering a variation of ‘buy one, get two’ or ‘buy one, get one 50% off’.

Retailers often include riders to these deals. Today, it is usually common for retailers to include fine print advertising that says in-store BOGO deals may not be presented in combination with other coupons. If a store puts out a flyer, there could be a list of excluded brands and merchandise.

Buy one, get one deals are also common in mobile phone providers. Verizon, AT&T and T-Mobile often offer BOGO deals on their handsets. Whether you are a new customer or an old customer looking for an upgrade, make sure you check with your service provider for BOGO deals.

You can also find ‘buy one, get one’ deals on new cars, suites and fireworks. Check out BOGO deals from popular fast food chains like Subway, McDonalds and etc.

Where to Find BOGO deals

Due a online search for ‘BOGO’ or ‘Buy One, Get One Free Deals’ for the cheapest deals online. Local advertisements and coupons can also be found in the Sunday publication. Watch out for unadvertised BOGO deals in local stores. Monitor the ‘buy one, get one’ deals offered by your favorite shops. Chances are, these companies run deals and promotions on a cycle. As soon as you understand and get a good grasp of the cycle, it is definitely worth stocking up coupons until the next BOGO deal.

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How to Care for Your Fine Jewelry

Training Your Fine Jewelry:

The first thing you should do is to give your fine jewelry its own little space for when it is not being worn and train it to stay there. Jewelry items do not live or party well together. Much of the damage, other than wear, that is done to jewelry happens in jewelry boxes. Stones scratch each other and the metals around them. Chains get caught in tangles that almost always cause some sort of damage.

Cleaning Your Fine Jewelry:

The best way to clean your fine jewelry is with a soft (used) toothbrush and a mild dish detergent. If the pieces are very dirty, you can soak them in detergent and water. Do not use harsh cleaners such as chlorine bleach or ammonia. It is not advisable to use toothpaste either. Many contain a mild abrasive, which will remove some metal and cause a dull finish. Any competent jeweler can polish items on occasion, but this process also removes small amounts of metal and so should be used sparingly.

Checking Prongs & Stones:

If the stone moves in the setting, put it in some kind of small bag or container and take it to your nearest qualified jeweler. The small bag prevents loss of the stone should it fall out. Loose stones are also more easily chipped or broken. Another good indicator of a loose prong is if the piece gets caught in clothing or hair by a prong.

Checking for Wear and Tear:

Over time, gold and silver will wear down. This can happen over months or years. This can be a problem for people who do certain kinds of work. The solution to this type of problem is the use of heavier metal in the prongs, the use of platinum for the setting or the use of a bezel setting to secure the stone. Prongs should be checked sometimes and if thin they should be replaced. The bands on rings can also become quite thin and eventually need replacing. The thinner the band to begin with the faster this will happen.

If you give your jewelry a little care and check it periodically for wear and overall condition, it will give you many years to a lifetime of joy. A competent jeweler can recondition most pieces so long as the damage has not been allowed to go too far.

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The Importance of Protective Motocross Clothing

If you play any kind of sport, then you should know how important it is to wear the right gear. American football players have to wear pads, hockey players need skates and SCUBA divers need wetsuits. Even bowlers have to wear special shoes. Nearly every major sport requires specialized clothing, and that is especially true about motocross and other extreme sports. Motocross in particular can be very dangerous for those who aren’t wearing the proper motocross clothing. It involves high-speed motorcycle racing on rough terrain, and injuries are obviously very common. If you are considering taking up motocross or supercross as a hobby, you should also consider what kind of motocross gear or supercross athletic apparel you will need.

Helmets

A helmet is the single most important piece of motocross clothing or supercross athletic apparel you will need. There are a couple different kinds of helmets available, but it’s probably worth it to spring for a more expensive and higher-quality helmet as opposed to a cheaper one. Full-face helmets offer the best protection since they protect the wearer from front and side impacts, so that would be your best option if you think you’re going to take a lot of falls. No matter what kind of helmet you choose, it’s best to find one that fits snugly on your head without being too tight.

Body Armor

When we say “body armor,” we are referring to chest and back protectors. These pads can protect you from a dangerous crash by spreading the force of the impact over a wider area. This supercross athletic apparel may feel cumbersome, but you should get used to wearing them when you ride. You’ll find that body armor is a very important element of motocross clothing once you start wearing it.

Goggles

Goggles may not be as important as a helmet, but they should still always be worn when racing. Try to find some goggles that fit comfortably with your helmet, and get used to keeping them on. Once you start wearing this crucial motocross clothing, you won’t want to ride without them.

Boots

Motocross and supercross boots are made of tough leather and cover the ankle, much like traditional motorcycle boots. They should fit well and not be too tight or too loose. Boots that are too tight could cause an injury, while boots that are too loose might make operating your bike’s controls much more difficult.

These are the most important pieces of motocross clothing and supercross athletic apparel. Another important thing to remember is to always wear long sleeves and long pants. Not only is it safer, but it’s illegal not to have them for most motocross and supercross races. Motocross clothing should be cool, lightweight and snug without being too tight. Gloves and knee pads are also recommended, although they are not required.

Motocross is an exciting sport, but remember that it can be dangerous. Keep yourself safe with the right motocross clothing or supercross athletic apparel, and remember that accidents can …

2011 Fashion Trends For Children's Clothing

2010 has been an interesting year for fashion. This is the year where the press criticized celebrity baby Suri Cruise for wearing expensive designer kid's clothing. This is the year where designer brands began to actively produce clothes for children-as there seems to be a market for expensive kid's clothing. This is the year where children and adults alike explored the potentials of fashion from another culture-with Japanese and Korean fashion being in the forefront of the kid's clothing and adult clothing fashion trends. And the year has not even ended!

So what can people expect for the year 2011? It's not too early to tell: after all, designers and clothing companies release their clothing lines early. The likes of Ducci and even lesser known brands such as Ouef Eco have already shown their 2011 designs, among many others. What prominent trends can be seen from these early kid's clothing releases?

Perhaps the most prominent trend to surge for the year 2011 is the theme of practical luxury or elegance for kid's clothing. Again, this is a trend that probably stemmed from the "Suri Cruise effect," wherein children want to wear designer clothes and parents want to dress their children in design brands. However, the clothing companies are gunning for something appropriate for kids despite its designer-luxury trappings. These designer kid's clothing items will be comfortable and will steer away from styles that are inappropriate for the toddler and pre-teen set.

Of course, don't expect these "practical luxuries" to be practically priced.

The eco-conscious theme will also become prominent in 2011, sipping its way from the adult runway to the kid's clothing industry. Expect kid's clothing pieces made from highly sustainable materials such as bamboo, organic cotton, and other similar fabrics. In short: frivolous is out, environmental trends are in.

Fashion pundits are already proclaiming the year 2011 as the year when the 80s rocker look returns. Expect this influence to become apparent in kid's clothing-or at least in teen and pre-teen clothing. Don't expect kid's clothing to incorporate the leather and the highly sexualized look of 80s rock, although many will see the disgruntled, mixed and matched styles that the 80s made popular.

Because of this, Japanese-inspired kid's clothing will become a bigger hit in 2011. This fashion aesthetic somewhat adheres to the concept of 80s fashion-clothes and accessories that shouldn't match but go well together anyway, the somewhat mature Victorian-inspired dresses , the exotic Lolita-styled dresses made innocent and child-like (and therefore safe yet cute).

For girl's fashion, expect dresses with flowing fabrics. This trend, which is more apparent in countries such as Australia and United Kingdom, is likely to be incorporated in kid's clothing-a far cry from the current trend of flesh showing for women's fashion. What not to expect in kid's clothing in 2011: velvet. Many fashion journalists are already seeing velvet as a major material in some of the biggest designs for next year-but it's unlikely that this material will enter the kid's clothing scene. …