We all know how expensive weddings can be: the dress, the rehearsal dinner, the reception all add up to thousands of dollars. That being said, there are also a lot of other costs that are part of a typical marriage that we don’t always think of when we’re planning a major life event. Here are some other costs you’ll probably encounter when you’re itemizing your wedding expenses and overhead:
The rings. Although most couples split this into engagement ring and wedding rings, often their purchased as a set long before the big day so the cost isn’t included in the final breakdown.
Miscellaneous meals and trips. If you’re planning multiple shopping trips with members of your wedding party, chances are you’re going to be picking up the tab for multiple meals, too.
Drivers. Sure you’ve planned for a limo after the ceremony, but you might have to arrange taxis or other drivers for parents and other elderly family members. The same goes for out of town visitors: you may have to pay for your grandparent’s hotel stay during the big event.
Honeymoon expenses. Even if you’ve booked an all inclusive cruise or resort stay, you’ll have meals and tips and extra events to pay for along the way. Make sure you know the rates and expected gratuities for your destination.
Vacation time. Sure, you get paid time off on your vacation, but your bills don’t take a break just because you’re getting married. Make sure you don’t get behind when you’re planning ahead!
Gifts for the wedding party. It’s customary to give each member of the wedding party a token of your appreciation, and that can add up quickly. Guys, gals, and the flower girl and ring bearer will all need something that shows you thank them for standing with you.
Extras for parents. You’ve probably covered the flowers for the moms, but you’ll most likely spend extra on meals and other items while entertaining your parents and planning the event.
Sitters. Most likely, you’ll need a gift or payment for a housesitter and possible pet sitter while you’re on your honeymoon, so remember to add this to your final tally!
Posted in Tips
If you’re thinking of living the ex-pat life out in Spain, you may be wondering how different your life will be compared to your current one. Of course, there may be more good weather and perhaps a better lifestyle, but are taxes any different to what you’re used to? Are you going to need a Visa? How is the education system and what about healthcare? There are all questions which might have your mind racing. So, here a few pointers to help clarify a few things about living in Spain. Of course, you’ll need to do a lot more research before deciding to make the move, but this guide may help you start!
Healthcare in Spain
The Spanish healthcare system is funded by social security contributions. It combines public and private healthcare and people who pay their social security will automatically have the right to use the healthcare system for free or at a low cost. To benefit from the Spanish National Healthcare system, you will need to enrol with the General Social Security Fund. If you are thinking of retiring in Spain, this useful Telegraph article has some valuable information on healthcare.
Social Security Numbers
Every resident is issued with a social security number even if they are self-employed. This entitles that person to healthcare services, sickness benefits, unemployment benefits, and a pension. You have a social security number in Spain, it is valid for life.
There are various criteria you need to meet to become liable for paying income tax. These are listed here on the Angloinfo.com website. On this page you’ll find key information regarding the Spanish income tax rates.
Other taxes such as VAT are charged from 4 to 18% throughout Spain.
Citizens of EU member states that belong to the European Free Trade Association (EFTA) or the European Economic Area (EEA) are allowed to travel to Spain without obtaining a visa first. When it comes to non-EU members, you can stay for no more than 90 days in a period of 180 days with a short-stay visa. This visa does not grant permission for the holder to work.
You will need to apply for a working visa, a student visa, or a working holiday visa. There are no visa restrictions for those people wishing to work in Spain on a voluntary basis.
Buying a car
If you want to buy a car in Spain, you will need to either have an official residency card (Tarjeta de Residencia) or proof that you are a Spanish home owner. You may also need to have documentation that proves you are a registered member of the local community, “certificado de empadronamiento” (available from the Town Hall) or have an NIE/NIF number (Foreigner’s Identification Number.) The site above links to Angloinfo.com, which provides a whole host of services to help you move to Spain with as smooth a transition as possible! Buying a car is just one aspect you’ll want to sort out asap.
You may want to buy a property before you move to Spain or while you are renting in Spain. There are many ways to search for properties: typically you could go to an estate agents or look online. Some will also offer an English speaking service. You can also find a number of short or long term rentals in Spain.
So your friend or relative has been kind enough to loan you their car if you don’t have one or yours is in for repairs? Make sure that you repay this kind gesture by following proper etiquette and treating their car with the respect it deserves. Here are some important etiquette guidelines that you should always follow when you are borrowing someone else’s car.
As a general rule, when you borrow anything it is a good idea to give it back in better shape than it was when you got it. This rule is certainly true for borrowing someone’s car. Next to a home, the car is probably the second most valuable thing most people own so you need to treat it with a lot of care.
This means keeping the car clean on the inside and outside and returning it with a full tank of petrol. Filling up the tank is expensive these days, so if you return the car empty then you will have actually cost your friend money to lend the vehicle to you. It’s accepted that the appropriate etiquette when borrowing a car is always to give it back with a full petrol tank.
It might seem common sense, but don’t give someone’s car back in a messy state! Before you return the vehicle, make sure that you give it a once over and throw out any rubbish that might have accumulated inside when you were driving it.
If you need to transport anything dirty and messy, place towels down on the inside of the car to avoid staining the upholstery.
Or better yet, use car boot liners to protect the interior. There are car boot liners available that are tailored to specific models of cars, such as Volvo boot liners, BMW boot liners and Audi Boot liners, so you can choose something that is customized to the size and shape of your vehicle.
If you notice that the car has gotten quite dirty in the time you were using it, such as if a bird poos on it or if it gets splattered with mud, you might even want to take it through a car wash before you give it back to the owner.
If you and your friend agreed that you would give the car back at Tuesday at 3pm, make sure that the keys are back in their hand at Tuesday at 3pm or earlier. Your friend might need the vehicle for the things they need to do and if you are late giving it back it will really mess with their plans. If something comes up that is beyond your control that means that you will be returning the car later, let your friend know as soon as possible.
The only acceptable situation in which you can smoke in a friend’s car is if they are also a smoker and they have said that they don’t mind. However, if your friend doesn’t smoke it is very poor etiquette to smoke in their car when you borrow it. You might be desensitized to the smell, but a non-smoker can smell it right away and many people find it unpleasant.
It should go without saying that you should drive your friend’s car as carefully as possible when you borrow it. You might already be a defensive driver, but make sure that you are extra diligent when you are driving a car that isn’t yours. That means no speeding, no risky moves on the motorway and no attempting to get in and out of difficult parking spots.
These are just a few important etiquette tips to remember when you are borrowing someone else’s vehicle. They aren’t too difficult to follow and are simply based on respect for someone else’s property. Just think about how you would like someone to treat your car if you had one and you gave it to a friend.
If you keep these tips in mind when you are borrowing someone’s car they will be pleased that you treated their vehicle so well and they will be much more likely to lend it to you again if you ever need it in the future.
So you are planning to make a big move down under, but you are wondering whether or not you can bring your furry friend along? You don’t want to leave your dog or cat behind, because they are a beloved member of the family. Most people feel that the hassle of importing a pet is worth it, as they couldn’t imagine leaving their furry friend behind.
The good news is that it is possible to import a cat or dog to Australia. However, there are some regulations that the pet needs to meet and all animals must undergo quarantine in accordance with the Rabies Prevention Law.
Australia allows cats, horses and dogs to be brought in from other countries, as long as they adhere to the quarantine controls. However, other household pets such as guinea pigs, hamsters, ferrets and caged birds are generally prohibited.
The quarantine period for a dog or a cat entering the country when emigrating to Australia is 190 days. 180 of these days can be completed in the country of origin, but there must be a minimum of 10 day quarantine for any live animal entering the country.
Also any animal that is entering the country must have microchip identification, which must be done before the rabies vaccinations. The only microchips that can be read in Australia are those that meet the ISO 11785 and 11784 standards. For any other type of microchips you must bring your own microchip reader.
After your pet has been implanted with a microchip they will need to receive a new rabies vaccination. This must be a vaccination that has been inactivated and you should obtain certification for the period of validity of the particular vaccinations. Your pet must be at least 90 days old at the time of the first vaccination.
Once your pet has had their rabies vaccination they must receive a rabies neutralizing anti-body titre test, which ensures that the rabies vaccination has provided adequate antibody levels. This must be tested by a facility that has been approved by the Government of Australia. Your vet should send the results to one of the approved labs and call ahead of time to make sure that they are aware of the destination location and the delivery.
There must also be a final vet exam four days before arriving, which must be performed by an accredited vet. An international health certificate must also be issued at this time. It is also strongly recommended for your pet to have been vaccinated for distemper, parvovirus, contagious hepatitis, bordatella, corona virus and other infectious diseases.
If your pet is a cat it should also be vaccinated for feline enteritis, feline calicivirus and feline rhinotracheitis. These vaccinations should take place at least 14 days before the flight, but not more than 11 months beforehand. It is also a good idea to treat your pet for internal parasites before the move – the first treatment should be conducted within 45 days of moving and the second treatment should be done within 5 days of moving.
There are a lot of steps and regulations to keep in mind when it comes to bringing your pet to Australia with you. You might want to keep a notebook with a list of all the steps you need to take, so that you can methodically check them off one by one. The process of importing your cat or dog with you when you move to Australia is a long and complicated one, but it is worth it because it means you can bring your furry best friend with you.
For more information on Australia immigration, New Zealand skilled visa regulations and more, contact the Emigration Group.
Participating in a gap year abroad, either before or after university, can be extremely rewarding. You can choose to settle in one country or spend time travelling the world. Whichever option you choose, one of the most important factors will be finding the right type of accommodation. Where are the best places to search for accommodation and what features should you be considering?
Trying to find accommodation either before you travel or when you’re in the country can be an issue for gap year travellers. Often you’ll be unfamiliar with the country, unsure where the best places to base yourself are. There’s also the issue of finding accommodation that meets your requirements, but that is also affordable.
If you’re looking for somewhere to live before you go, make sure you do some research on the country and gain knowledge of where the best places to stay are. Think about what you want to be close to, such as work, shops or leisure amenities, and exactly what you’ll be doing while you’re there.
Don’t leave it until the last minute
It’s important to start looking for accommodation as early as you can. This way you’ll have time to look properly and you won’t have to make a rash decision because you’re panicking.
Talk to others
It’s a good idea to talk to people who’ve travelled before, even if it’s not to the particular country you’re visiting. They will still have an idea of what’s a good deal. If you have an employer or sponsor in the country then ask them for some suggestions.
Taking a gap year is an opportunity to experience something new, so you don’t have to stick to traditional property options. You can get a truly local experience by living on a farm or with a host family.
Use the internet
One of the easiest ways to search for accommodation when you’re not in the country is through the internet. This enables you to quickly bring up the properties that are available and research local areas. You can join forums for people working abroad, which are great places to ask questions and get advice. When you’re using the internet to book accommodation you still need to be cautious. It’s vital that you don’t transfer any money without being sure exactly what you’re booking. If it’s feasible, try to visit the property beforehand and check that the rent is comparable with other properties.
Middle East accommodation
The Middle East is becoming a more popular location for gap year students. It has some fantastic business opportunities and an excellent property market. The Kuwait Real Estate Investment Consortium is one of the leading property companies in Kuwait. Fahd Al-Rajaan of Wafra Investment Advisory Group is a the chairman of the consortium and brings a wealth of experience that benefits the Middle East real estate market.
By doing your research thoroughly and taking your time to find the perfect gap year accommodation, your time spent travelling will be more successful. This is the perfect opportunity to see exactly what the world has to offer and spend time sampling other cultures.
Not everyone loves the beach. Sand gets everywhere, it can get quite dull fairly quickly and who knows what is lurking below the ocean surface? It is possible to have a fun, fulfilling and relaxing holiday without heading to the coast and suffering the wind, seagulls and unpredictable weather. One of Britain’s great strengths as a holiday destination is it’s diversity. From rolling hills to vibrant cities there are breaks to suit everyone. Providers such as UK Breakaways cover a huge variety of holidays and there some fantastic last minute deals to be had across the internet.
A great guide to some of the most picturesque areas of the country is the official National Parks website. There are parks all over the country which means you can travel as little or as far as you want to get to your next rural holiday destination. Hiring cottages, camping or even ‘glamping’ allows you to get back to nature and might mean that you save a bit of money. There are also activities to be done such as sailing, hiking and cycling.
As Britain is not blessed with the most reliably sunny weather conditions, it is not over-furnished with water parks. However if you are near to Stoke, Sunderland, Blackpool or Paignton you are in luck as they have WaterWorld, Wet N Wild, Sandcastle and Splashdown respectively.
Britain has it’s fair share of great theme parks. Alton Towers has always led the way with great, high-octane rides, a kiddie-friendly offer and fantastic hotels. Legoland Windsor, Thorpe Park in Surrey as well as Flamingo Land in North Yorkshire and Drayton Manor in Staffordshire are also well worth the trip.
Ignore London. We’ve all been there, got the teddy bear beef eater and looked at the wax works in Madame Tussauds. There are many more interesting cities to see around the UK. Since gaining the title of Capital of Culture in 2008 Liverpool has gone from strength to strength with excellent museums, galleries and places to eat. Glasgow has a similarly vibrant cultural offer as does Cardiff. For more ‘olde worlde’ charm try York, Edinburgh or Chester.
For an altogether slower paced break, try a barge holiday either in the Norfolk broads, North Yorkshire or the Cotswolds. Seeing the countryside drift by while enjoying a cool glass of wine or a nice book is a thoroughly relaxing way to spend a few of your annual leave days. Companies such as Waterways give advice and have a portal to book through. In the words of Mr Alan Partridge “Water-way to have a good time!”
For the active family and cycling trips is high energy and lots of fun. Cycling gives you the freedom to see the country on your own terms, it’s safe and great exercise.
As the capital of the Netherlands, Amsterdam is a hot spot for weekend travelers. There are hundreds of things to do in Amsterdam, from sightseeing at historic sites and museums, smoking in coffeeshops,and ‘window-shopping’ in the Red Light District, tosimply enjoying its upbeat nightlife. Best seen by bike or foot, Amsterdam is aquaint city with its brick buildings, central canal, street performers, and charming Dutch crêpe spots.
To best explore Amsterdam, visit a local bike shop and rent a bike for a few hours. Spend the day exploring historic sites, such as Dam Square – the site of the National Monument, Royal palace, and Nieuwe Kerke. At the heart of Amsterdam, Dam Square is a common gathering spot for tourists withits local street performers, cafés, and the occasional soccer match (yes, played on concrete). Other destinations could include the Anne Frank house or the famousI amsterdam sign. In the meantime, get lost exploring random cross streets – you may be surprised where they may lead.Who knows, you may happen across a marketplace, tavern, or a Smart & Sexy parade celebrating the rights of women. Amsterdam never ceases to surprise. Asa cautionary piece of advice, be mindful of the tramsthat tend to travel along the narrow streets without demanding much notice.
Amsterdam has a unique culturethat allows travelers to smoke in coffeeshops, explore museums by day, and witness the streets of the Red Light District by night. Amsterdam’s cannabis-stocked coffeeshops are a necessary stop for many travelers. There are more than 300 Amsterdam coffeeshops – with varying atmospheres and styles – to choose from. It is hard to miss the multitude ofpalm tree logos, COFFEESHOP signs, and Rastafarian flags that advertise that a place sells marijuana.
One of the most popular museums inAmsterdam is the Heineken Experience – afun, interactive exhibit that educates about the brewing process.The 75-minute guided tour includes beer tastings, virtual bartending lessons, futuristic recliners for watching classic Heineken commercials, and more!
For a uniquely eye-opening experience, spend an evening inAmsterdam’s Red Light District – one of the oldest parts of the city that is best known for its sex shops, adult theaters, and red-lit windowdisplays of young women selling their services.Theprude or faint of heart should be forewarned that this could be an emotion-provoking experience.
As the streets of Amsterdam come alive at night, travelers can tailor their choices by selecting from a variety of clubs, pubs, and dance festivals. ProeflokaalArendsnest is a popular destination for all beer lovers, who appreciate the 24-page listing of beers with bios of their histories, ingredients and flavors. This traditional Dutch pub – with authentic blackboard menus, copper taps, and wooden interior – attracts a local cliental. For the club-goers, Paradiso is a popular multilevel dance venue that is famous for delivering intimate performances by well-known musicians.This former 19th– Century church – with massive balconies and stainedglass windows – has an upstairs that sets the stage for musicians and DJs, a smoking room on the second floor, and a basement café. The headliners perform on the stage in the main room and, in the past, have included the Rolling Stones, Jamiroquai, and Willie Nelson.
Daniel Hogan is a writer at Party Earth – a global media and entertainment company that publishes reviews and listings of the best social experiences around the world including: things to do in Amsterdam , clubs in London, beaches in Ibiza, plazas in Rome, bars in NYC, festivals and concerts everywhere, and more.
We all want a grand vacation, somewhere in the mountains of Switzerland with the countryside reflecting the perfect fairytale picture. But sometimes our pockets are a bit pinched to really offer us any source of luxury. At times like these all you need to do is be creative, think smart and go for travelling, the cheaper way. A lot of travellers in the world really don’t have a motor insurance in Dubai or a traveler’s cheque from France since all they tend to do is simply pack their bags and head to where the road takes them. This all comes from the fact that travelling necessarily does not always have to be expensive and here a few ways that show you exactly that:
1. The House Swap:
It has become one of the best ways of saving money on accommodation while travel, the house swap is a source of getting the best living spaces for free. All you need to do is log in to a travel site where you can offer your home on rent for travelers around the world seeking to visit your country or city. This will link you to other travelers who reside in other countries and their homes will become open to you. It is always much better to be living in a house that a hotel since the home usually provides for a kitchen space, telephone and maybe even the internet.
If you are keen on doing this, make sure you seek out authentic sites which assure you validity of other travelers and ensure safety of both the parties.
2. Volunteering and Fundraising:
It is always good to contribute towards a worthy cause. And if it gets you to travel then there is nothing like it is it? Volunteering for causes overseas is a way to reach out to the world with your skills and give in your time and effort to something that requires attention. Most people do not mind the extra pair of hands but they may require prior experience and a definite set of skills for their projects so it is advisory to select a short term project for a year or two, which may even cover your room and board along with your flight expenses. This is one of the ways to learn about another part of the world and see what it is to inhabit a completely different culture than yours.
3. Hitchhike and Carpool:
If you have a car and your medium of travel is the road then carpool is the option to travel safe and cheap. You could arrange for additional travelers to join you from the various sites that offer you assistance in this very section of travel. If you are a solo traveler looking for a ride you could hitchhike one right on the way or you could also be a part of a carpool, meet the person in advance, in a public place, check out the photo id and license and other documents to ensure the authenticity of the driver and travel along. This reduces the commuting expense to a bare minimum, allowing you to travel comfortably as well. Fuel costs are divided and it provides you with a bunch of new friends on your trip ahead.
Travel is an experience that demands a little bit of risk, a little bit of coming out of the comfort zone and seeing the world anew. This is exactly what makes it so enduring and appealing. Leave behind the boredom for a while, dance free and the let the world watch you go by.
Bio: Poaulina Skimper is a travel journalist who also uses the road as her most frequent way to go through the world. Her motor insurance in Dubai allows her to explore the roadways more securely and at half the price of a regular hired wheeler.
A wedding venue can be perfect for one couple and seem all wrong for another. With regards the question of what makes great wedding venues,the answers can be as varied as the bride and groom. A venue can be elegant, intimate or rustic depending on your theme. They will all need to have the same qualities to make it great though. If you decide to get married sooner the place you choose to have your ceremony or celebration afterwards still needs to have equally high standards so that your day will be enchanting.
There are so many time consuming plans that involve planning weddingsthat you may want to ask for help. Your immediate family can do many of the things you need done; however, not everyone has this resource available. The easiest way to find a wonderful venue is to go online to places such as http://www.hitched.ca/wedding-venues/. The internet allows you to look at many different places in the area you are to be married in. Start your search by having a list of the things that you absolutely want at your wedding. You can add items that you would like to have as well, but aren’t crucial to making your big day enjoyable.
You should find filters on the website that let you put in your choices or you may be able to just check them off from a list. Once you have narrowed your search with all the requirements you want, you can evaluate them based on location, theme of the wedding or price if that is a big factor. Remember, the more information you can provide to your list of prospective venues the more likely you are to find a great wedding venue. Don’t overlook the fact that, by moving your venue just a few miles away from the preferred area, it may produce the perfect place.
This is your day and the hotel, country club, church, barn or inn should be ready to cater to your special wants and needs. Put these questions on your venue checklist: venue availability, what rooms are open, are there catering options and financial questions. Once you have answers to these basic questions you will get a better idea of whether or not a specific venue will be great. The time of year that your wedding will take place may also influence your choice of venue. Some places are more suited to warm weather ceremonies with water features or spectacular views. A colder time of the year begs for warm, romantic places with fireplaces.
As you can see there are many things that make a venue a great place for your wedding. There will be a perfect day in store for you in the perfect place when you decide on the ideal venue and staff to make it happen. Don’t lose sight of what you want and don’t get discouraged if it takes a little longer to find that perfect locale. With the help of an online venue service it will be easier than you think to plan your happy day.
Your anniversary is rolling around again and you’ve had no time to plan anything. What you need is something simple and stress free but utterly amazing – you need the ultimate anniversary celebration. Fortunately, it doesn’t have to the nightmare you think it does. By all means, feel free to splash out and make a statement, romance isn’t really about how you’ve got in the bank or how many flowers you can buy in a day. It’s about imagination and creativity. It’s about care and attention – all you have to do is plan something that you know your other half will adore. It also helps if you can have a good time doing it as well.
Here are some amazing anniversary ideas that you can use to plan an event to remember. Some are expensive, some don’t cost very much at all – it’s entirely up to you how flashy you want to be.
Book A Cabin In The Woods
Forget all of the horror films you’ve seen – they’re dead wrong. A cabin in the woods can be super romantic and extremely relaxing, says LifeHack.com journalist Lori Thayer. The big draw of this idea is, of course, the isolation. There’s nobody around to see you misbehave and there’s nobody around to ask you to be quiet. There are two options – a UK getaway or a European trip. The only real difference is the sun. If you and your partner are real sun worshippers, you might want to pick an overseas cabin. If you prefer a roaring fire and cuddling under sheepskin blankets – why not a cabin in Scotland or Wales. There’s also the French Alps if the UK isn’t quite exciting enough for you.
Visit A Theme Park
Remember when you were nineteen and you couldn’t think of anything better than an entire day spent at Alton Towers? It’s time to revisit those days. Bundle your other half into the car and head off for a day of exhilaration. No kids allowed though – this day has to be all about you. Laugh, act silly and be completely immature. You’ll have a whale of a time. Ride as many roller-coasters as you can and finish the day with a candlelit meal in a nearby restaurant. Offer to drive on the way back and watch your partner struggle to stay awake after a day of thrills and spills.
Check Into A Bed & Breakfast
Who says you have to splash out on an entire holiday in order to please your spouse? If you can’t quite afford a full break – why not book yourselves into a luxury bed and breakfast for the night? Enjoy the privacy and the time away from the kids by tucking into champagne, chocolates and a romantic evening meal, say experts at TheNest.com.
Celebrate At Home
If you really can’t afford the money or the time spent on a getaway, you could always turn your house into the ultimate love-pad. Send the kids away to a babysitter, fill the lounge with candles and duvets and turn off all electronics. Share a home cooked meal and then just talk like you used to when you first met. If you don’t fancy cooking, order in and splash out on a fancy bottle of wine. Do not switch on your phone, computer or TV set – it would be a real romance killer and quite inconsiderate. So don’t do it.
Make Them A Cheesy Present
This is a great idea for couples who are super comfortable with acting silly in front of one another. It doesn’t matter if you rubbish at being creative – it’s not about creating the best present. It’s about the effort that goes into it. Write your partner a poem, sing them a song, draw them a portrait – it doesn’t matter what you choose to do, says money saving website OneCentAtATime.com. The only rules are that you can’t spend much money on supplies and you can’t get somebody else to do it for you. You must present both presents at the same time. Don’t be afraid to have a giggle about it either.
Kevin is a couples therapist and currently writing a book on relationship dynamics. He uses Room For Romance for great quality romantic breaks for couples. Kevin can be found online sharing her advice for keeping your relationship alive.