Bridal Shower Basics. Credit and Its Cost.
A bridal shower is an excellent way for the bride to surround herself with her closest friends and family and relax, loosen up and have some fun. The bride can also use this time to share the experiences of those that have already married, and in a general way, espouse her expectations and dreams for the new adventure she is about to enter. The bridal shower should be memorable for the bride-to-be and her guests and can be based on a particular theme, just like the wedding. Games, themes, decorations, and gifts are all important to include in the bridal shower. Many couples choose to have "couple showers," where both bride and groom are able to share the time together. Other brides choose to have their bridal showers in a creative &themed' location - a beautiful ocean-side resort comes to mind, for example. Using your unique ideas will help you create a distinctive setting for your event. While the
goal is to have fun and enjoy the event, there are some simple plans you can follow to make your bridal shower a most memorable occasion for everyone involved.
Send out Invitations early and follow up:
Send your bridal shower invitations early and include the latest date in which to respond. Knowing the exact number of patrons is pretty much a "must know" in order to complete all of the plans. Include any special directions or details with the invitation. Prioritize your guest-list so that the most important friends and some family are involved. Plan on following up on invitations at least one week before the ending RSVP date.
Themed Bridal Showers
Many brides choose to have themed showers, which involve the guests bringing special items, gifts or favors. Here you can get creative and come up with original and unique ideas in order to have a unique event - think "outside of the box." Valentine themed bridal showers involve candles, gifts and favors relating to romance and love. Heart shaped cuisine, desserts and gifts, as well as pink, maroon and burgundy dresses and robes help reinforce a valentine theme. Basket or box themes are also very popular. Guests are each asked to bring a &themed basket' - from Easter candies and gifts to soaps and bath items. "Stock the bar" is also a classic bridal shower theme. Many times the guests will receive the standards - beer, wine, mixers and martini glasses as well as foods made with alcohol (tasty brandy and rum chocolates and confectionary). The bridesmaids or maids of honor usually coordinate showers and ensure that the plans are well though out and well in advance of the occasion. Be sure to include all the details on the invitations.
Decorations
Make sure to coordinate and match the theme with the decorations. If the theme is a Valentines shower, include pink and red hearts and streamers with red ribbon or something similar. If the bridal shower is set in a theme-specific location, decorate the setting accordingly.
Ocean themes, western themes and the like, require a significant amount of planning in advance of the shower to make the event a success!
Menu items
Most times, finger foods and light salads are the best way to go with bridal showers. Light foods are easy to serve, and are generally quite easy to prepare. Consider crab stuffed mushroom, escargot, mandarin orange salads with vinaigrette dressing, or any number of assorted hors d'oeuvres. A follow up dessert such as chocolate �½clair or shortcake is very appropriate. Again, if it is a themed shower, consider foods and desserts which fit the theme.
Photos
Consider hiring a photographer for the shower. Lasting memories are created from having professional photos taken during a special bridal shower. Favors, Gifts and closure
It is very appropriate, and indeed, a special touch to give every guest a small favor in order for them to remember the event. Favor ideas should be coordinated with the theme - ocean showers can involve shell shaped bath and soap favors, while a Valentine theme can include a heart shaped box favor or heart candle placecard holder. Both of these are elegant ways to show your guests how much you appreciate their presence. The ideas are limited only by your imagination.
Articles by Todd Mumford
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Todd Mumford is team member and writer for My Wedding Blog, a wedding and bridal articles and planning guide. Complete with a wedding directory, and resource links to shopping, gifts, favors and accessories.
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What is Credit?
It enables the borrower to pay for things immediately, even if they cannot afford to pay for it themselves. Interest is the compensation required by the lender for the use of his/her money. There is a time value to money because of inflation, by way of an interest charge.
What is the Cost of Credit?
The cost, or charge, for using credit debt is called interest. This interest can either be simple interest or compound interest.
- Simple interest
This is interest charged only on the principal amount borrowed. Simple interest does not add interest that's due, back on to the principal amount because it is usually paid out. - Compound interest
This is interest charged, not only on the principal amount owing, but also on the interest that has been accrued on that principal amount. The interest is added on to the principal and then the new interest is calculated on the new total of those two items.
What happens is that there is a compounding effect, so that interest is charged on the interest. The result is that the lender receives a higher and higher return because the interest charge is levied, not only on the amount originally lent, but also on all interest due on the amounts over the term of the loan.
APR - Interest Rate
The APR is the reference to the interest rate the lender charges the borrower for the use of the money. You need to know a little about APR because it shows what the cost of the credit actually is. The cost of credit is more than just knowing the interest rate; it is important to be familiar with the annual percentage rate.
The APR is the cost of credit measured on a yearly basis and expresses a yearly rate. By comparing the APR of loans or credit cards etc you can work out which card is likely to cost you the most. You need to find out what the correct annual percentage rate being charged to you is so you can make decisions on your lending situation because it will affect the selection of credit cards or other loans you are looking at taking on.
Using the APR to your Advantage
If you carry a balance from month to month on your credit card and the card has a high APR, the only way to reduce the interest is to pay more each month. If you only pay the minimum amount, not only will it take you a long time to reduce your debt, but you will also pay more interest.
All the time you carry a balance on the card, the interest adds up. A credit card balance can actually increase considerably when you only make the minimum payments. This is because the balance on your card is left to accrue interest over time and so it just keeps growing. Check out what the APR is because the lower your APR, the lower the fees charged to you.
What's the Difference Between a Fixed and Variable Rate?
- Fixed - A fixed interest rate means that the rate of finance charged does not change throughout the term of the loan. For example, you may take out a loan at 5% fixed for three years. This means that the interest rate will not change over that three-year period and will remain at that 5%.
- Variable - A variable rate, however, is determined by an index such as the prime rate charged by banks. The variable rate allows the bank to charge an interest that more correctly reflects the current market conditions.
When shopping for a loan, make sure you understand clearly the difference between a fixed and a variable rate.
Copyright 2005 StartRunGrow
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StartRunGrow (http://www.startrungrow.com) is a global online information organization that specializes in creating, developing and marketing business help information specifically with the aim of "making business easier" for entrepreneurs around the world. The StartRunGrow objective is to become a dominant player in the business help arena providing end to end solutions for the millions of small and medium businesses worldwide who continue to struggle daily with the difficulties of starting, running and growing a successful business.
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