Wedding Insurance By: Melissa Creed

What is wedding insurance? It  is just what it sounds like a policy that will protect you from any type of misfortune or mishap that may occur. More brides and grooms are purchasing a wedding insurance policy and they are fairly inexpensive to buy. A policy can cost anywhere from $100 to $500 and can give you or the person paying for the wedding and reception peace of mind should any emergency situation arise.

 
Is Having Wedding Insurance a Good Idea?
Whether you choose to purchase a wedding insurance policy or not is a very personal decision. This will impact your budget, but it will protect you financially against any type of unforeseen disasters or accidents that may happen. A wedding is a costly venture, averaging about $25,000 or more . If you bought a new car for that amount of money, you wouldn’t think of purchasing one without an insurance policy to protect your financial investment.

What Types of Wedding Insurance Policies are There?
Not everyone has such a big and expensive wedding, others choose a smaller, more intimate affair. You can certainly forgo purchasing an expensive wedding insurance policy and opt for a less expensive policy that will cover a smaller event or you can buy insurance for specific risks such as losing luggage if you are traveling to a destination wedding.

What Will the Policy Typically Cover?
Your policy will cover the costs of rescheduling if weather, such as a flood, hurricane or blizzard interferes with your wedding day. Or if  you are unable to use your venue due to fire. If you or your spouse was to become ill or get injured and your wedding needed to be postponed because of that, your policy should cover that situation too. Sometimes the minister or the officiate of the wedding will fail to show up, and often wedding insurance policies will help to recoup any losses that may have incurred because of this happening.

There are other riders you can buy for your special circumstances such as if the bride or groom are in the military and they are called to active service. You can also add a rider for the cost of any damages to your wedding dress or the groom’s tuxedo including protection against one of the companies going out of business.

Deciding if wedding insurance is for you is something that can make the difference between a bride who is relaxed and protected and one who is constantly worrying about things going wrong.

Envelope Wording for Wedding Invitations By Melissa Creed

	OUTER ENVELOPES	INNER ENVELOPES
	Single Guests
Unmarried Female	Miss Janet Smith or Ms. Janet Smith	Miss Smith and Guest or Ms. Smith and Guest
Divorced Female-kept married name (Smith)	Mrs. Beth Smith or Ms. Beth Smith	Mrs. Smith and Guest or Ms. Smith and Guest
Divorced Female-back to married name (Jones)	Ms. Amy Lee	Ms. Lee and Guest
Widowed Female	Mrs. Jane Smith or Mrs. John Smith	Mrs. Smith (and Guest) *never use ‘and guest’ if recently widowed.
	CHILDREN
Children under 18	*Do not put on outer envelope Only list parents.	And Emily (1 child) Emily and Tyler (2+children) *List by age-oldest first.
Child 18 and over	Miss Megan Willis	Miss Willis and Guest
	COUPLES
Unmarried couples who do not live together	Miss Lisa Owens *the only name on the outer should be the person who lives at the address.	Miss Owens Mr. Davis
Unmarried couples who live together	Miss Anna Davis Mr. Dave Jones	Miss Davis Mr. Jones
Married couples-*notice the use of ‘and’ to signify marriage in the following:	Mr. And Mrs. Carl Davis	Mr. And Mrs. Davis
Married Couple-She kept maiden name	Mrs. Beth Handy and Mr. Carl Davis	Mrs. Handy and Mr. Davis
Married Couple-She has hyphenated last name	Mrs. Beth Handy-Davis and Mr. Carl Davis	Mrs. Handy-Davis and Mr. Davis
Married Couple-She has a professional title and he does not.	Doctor Jill Owens and Mr. Bert Davis	Doctor Owens and Mr. Davis
Married Couple-both are doctors	Doctor Beth Davis and Doctor Bert Davis or The Doctors Davis	The Doctors Davis
Married Couple-both are doctors with different last names	Doctor Jill Owens and Doctor Bert Davis	Doctor Ownes and Doctor Davis
Same sex Couples-list in alphabetical order by last name	Mr. Adam Lewis Mr. Mark Smith	Mr. Lewis and Mr. Smith
	MILITARY
He is a commissioned officer	Colonel and Mrs. Bert Owens	Colonel and Mrs. Owens
He is a non-commissioned officer or enlisted man	Mr. And Mrs. Jim Walker	Mr. and Mrs. Walker
He is a retired commissioned officer	Colonel and Mrs. James Wilks	Mr. and Mrs. Wilks
She is a commissioned officer, he is not	Mr. and Mrs. Adam Owens or Captain Jane Owens and Mr. Adam Owens	Mr. and Mrs. Owens or Captain Owens and Mr. Owens
	MISCELLANEOUS
Judge	The Honorable and Mrs. Bill Davis	Judge and Mrs. Davis
Reverend	Reverend and Mrs. William Smith	Reverend and Mrs. Smith

Wedding Toast Ideas

Here are a few Wedding Toast ideas that may be helpful to you when writing your speech:

• Stories of what the bride used to share with you about the groom when she first met him.
• A Funny story while growing up
• How you and the bride met and how long you both have known each other
• Most “appropriately” embarrassing moment you shared with the bride
• How beautiful the bride and groom look together
• Talk about a funny habit of the bride that the groom will have to live with
• A spiritual statement (if the bride and groom are spiritual people)
• Words of advice to both the bride and groom
• Wishes you have for the newlyweds (e.g., success, happiness, many babies)

In addition, Maid’s and Matron’s of Honor are known to also give speeches at the Wedding Rehearsal Dinner, Bridal Shower, and Bachelorette Party. These speeches are much more informal than the Wedding Toast and can be more silly and casual. It is very common for other Bridesmaids to give speeches as well.
By:Melissa Creed
July 24, 2009

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Wedding Traditions and Why We Do Them Part Three by Melissa Creed

Probably the most familiar religious wedding tradition is the lighting of the Unity Candle where two symbolic flames become one. When the Unity Candle is lit by the wedding couple, it symbolizes the merger of two lives into one. When the Unity Candle is lit by a member of the couple’s families (in many cases the mothers of the bride and groom), it symbolizes the forming of two families as well as the unity of the couple in marriage.

It is traditional for the bride to throw her bouquet for all single women present to compete in catching it. The woman who catches the bouquet is said to be the next who will marry. In medieval Europe, a bride typically did not expect to wear her wedding dress again, and the dress was considered good luck. After the wedding, single women chased the bride and ripped pieces off her dress, leaving her in tatters. To prevent guests from ripping the wedding dress, brides began throwing other objects as a distraction, one of which was the garter. Later, the bouquet became the most traditionally thrown object as the flowers symbolize fertility.

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Wedding Traditions and Why We Do Them. Part Two by Melissa Creed

The traditional wedding kiss seals the couple’s union in front of friends and family. This tradition has been used since Roman times. In Medieval times when two people kissed, it is believed that a part of their souls were left inside the other during the exchange of breath, and that was also symbolic of the union of two people.
When we drink to someone it is called a toast because of an old French custom in which a piece of bread was put in the bottom of the wine cup for flavor. Partygoers would drink and pass the cup until it reached the person being toasted, then he would drain it–crouton and all.
The garter toss is thought to be an early English custom called “flinging the stocking.” Guests would follow the couple to their bedroom on their wedding night, steal their stockings while they were “distracted,” then they would fling them at the couple. It was thought that the first person to hit either the bride or the groom on the head would be the next to marry. Later, brides tossed a garter at the wedding reception, but then the custom changed to the groom’s removing the garter himself and tossing it to his male guests because brides were often forced to fight off drunken male guests who tried to remove the garter themselves!

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Wedding Traditions and Why We Do Them. Part one By Melissa Creed

One of the most popular wedding phrases is “Something Old, Something New, Something Borrowed, Something Blue.” It is an old superstition to ward off evil spirits. Today the objects are essentially good-luck charms.
Something Old – has several different meanings one general meaning symbolizes the continuity of transition from two single people to a married couple. Other sources say it represents the life you are leaving behind. Here are some things you can use for the something old theme are: jewelry from your mother, grandmother or great-grandmother, an old wedding photo from your family, a love letter from your father to your mother, a picture of your parents in your purse, an old handkerchief, a childhood pillow to hold your rings, a piece of lace sewn into the hem of your gown. The options are endless.
Something New – means optimism and hope for the future. It represents a transition from childhood to adulthood upon marriage. It conveys the message that you and your husband are creating a new union that will endure the test of time. Many brides choose to use their wedding gown, flowers or rings to symbolize the “something new” in this tradition.
Something Borrowed – Again, there are several meanings behind borrowing an item from a friend or relative. Some say borrowing something is borrowing happiness from a happily married woman, so that their happiness will carry over to the new bride. Other sources have said it is symbolizes the love you have for the person from whom you have borrowed the item from. If you borrow an item from your happily married grandmother or mother, you can fulfill both of these meanings. The borrowed item also signifies to the bride that she can always count on her friends and family for support. Items that can be used for the something borrowed theme could be: family jewelry, a prayer book from your mother or grandmother, strands of pearls, or your parent’s cake knife.
Something Blue – The color blue has been connected to weddings for centuries as a symbol of love, modesty, fidelity, good luck, purity, constancy and loyalty. Many brides incorporate this color into their clothing, by either wearing a blue stoned jewelry item, a blue ribbon tied into your flowers or wearing a blue garter. You may choose to use blue toe nail polish, blue eye shadow. The possibilities are endless and limited only by your imagination.

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