My Trio Rings Blog provides useful information about how to experience the timeless traditions of marriage on an affordable budget
Should You Buy Wedding Insurance?
You have a lot of big - and often big-ticket - decisions to make when you are planning your wedding. Some are easier than others - who to include in your wedding party, which bridal ring sets are perfect for your style, what song to play for your first dance - but others are nuanced and complex. One big question for couples is: should we buy wedding insurance to protect against unforeseen crises?
What is Wedding Insurance?
The average cost of a wedding in the US in 2014 was around $28,000 - a significant amount for most couples. Wedding insurance safeguards this investment in case something outside your control forces you to change, postpone or cancel your big day, or you suffer property damage or loss.
What Does Wedding Insurance Cost?
Policies vary depending on their coverage, but most won’t be more than about $500 for basic protection. Insurance companies like Fireman’s Fund and Travelers offer customizable options for different fees.
What Does Wedding Insurance Cover?
Again, policies vary widely, so be sure to ask questions and read the fine print, but these are some common wedding insurance coverage options:
Extreme Weather: If you have to postpone your wedding because of a hurricane or blizzard, for example, the policy should cover the rescheduling costs.
Missing Vendor or Officiant: If someone essential to the wedding - your caterer, priest or rabbi, for example - goes out of business or doesn’t show up, you should be able to be reimbursed for the cost of postponement.
Illness, Injury or Bereavement: If there is a death in the family or someone involved in the wedding - a close family member or member of the wedding party - suddenly falls ill or is injured, you should be able to reschedule and recoup some of the costs.
Site Problems: Check with your wedding location to see if it has its own insurance, but if not, wedding insurance should be able to cover costs associated with unavoidable cancellation. For example, there is an electrical fire in the kitchen at the reception venue or the wedding site closes unexpectedly the week before your ceremony.
Wedding Attire and Jewelry: If your wedding gown and tuxedo or bridal ring sets or matching wedding bands are lost, stolen or damaged, the policy should pay to replace or repair them.
Liability: Most sites have liability insurance, but if you are having your wedding at someone’s home, this would protect you in case a guest were to be injured at the wedding.
Military Service: If the bride or groom is active duty or reserve status and suddenly has to leave because of work, the policy should pay for the expenses due to rescheduling.
Note: Cancelling a wedding due to cold feet is not usually covered. Fireman’s Fund has a “change of heart” policy you can opt for, but it only applies if someone calls off the wedding 365 days before the first covered event.
Do We Really Need Wedding Insurance?
It’s ultimately a personal decision and one you should make as a couple - along with parents or anyone else helping to pay for your wedding. If you are having a very small budget wedding, you may not feel you need insurance. But if you are spending a moderate sum or more on your wedding, a few hundred extra dollars for a bit of peace of mind may be well worth it.
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Valentine’s Day Proposal Do’s and Don’ts
Valentine’s Day is coming up next month, which is both a romantic and popular day to pop the question. You might worry that it’s too predictable to propose on a holiday, but you can still make it your own. If you want to plan a Valentine’s Day proposal, here are a few tips on how to make it memorable and heartfelt… and how to avoid the cheesy cliches.
Put some thought into it. Yes, Valentine’s Day is inherently full of romance, but you will still want to plan something thoughtful. Think about what you want to say to her, what place will be most meaningful to her and which diamond engagement ring she will love.
Go overboard. This may seem contradictory, but you don’t need to kill yourself choreographing a flash mob or hiring a skywriting airplane to plan the perfect Valentine’s Day proposal. If you find yourself stressing out about every detail or trying to plan the best moment of her life, take a step back. What matters is that you two want to spend the rest of your lives together. The rest is just confetti. Simplify how you ask so you don’t lose your message in theatrics.
Try to find a way to surprise her. It’s a tricky day to plan a proposal without her picking up on clues, so look for opportunities to catch her off guard (in a good way). Ask her best friend what might be a good diversion - for example, planning a romantic dinner at your favorite restaurant but adding a surprise stop she doesn’t know about before or after. Get down on one knee with a diamond engagement ring in the place where you first met or at a quiet spot looking over the city.
Be afraid of enlisting help. If you are having a hard time planning your proposal all on your own, don’t hesitate to ask a few trusted friends for their advice or help in putting it all together. They will probably be thrilled to be in on such a wonderful event, and you’ll be able to rest easy knowing you don’t have to do everything yourself.
Create a happy memory. This is a story everyone will want to hear - from her grandma to your next door neighbor from childhood. Make it a sweet, positive and PG story she’ll be happy to tell all who ask.
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5 More New Year’s Resolutions for Wedding Planning
If you are newly engaged and planning your wedding this year, you have a lot to look forward to. You and your spouse-to-be may encounter stressful moments along the way – vendors that back out on a contract, sticker shock over a quote or tension with your parents over the guest list – but keep in mind that the wedding planning process should be mostly fun. Add these New Year’s resolutions to your list as you begin planning your wedding day!
1. Don’t let your budget get you down.
Most couples can’t afford to throw an extravagant Hollywood-style wedding for 500 of their closest friends – and that is OK. Be honest and realistic about the type of wedding you want to have, and then seek out creative solutions for making it a reality. Look for ways you can save on bigger purchases – like shopping online for affordable trio ring sets. See what makes sense to do yourself, barter for with vendors or enlist the help of talented friends.
2. Mark down the important deadlines.
Dedicate a calendar just to wedding deadlines and reminders, and start researching the hard dates you need to remember. How long will it take your seamstress to make alterations to your wedding dress or tuxedo? How many days in advance must you file for a marriage license in your state? Put everything on the calendar, and you will keep your stress level to a minimum.
3. Balance the tedious with the fun.
Find ways to make your least favorite tasks more enjoyable. Invite your wedding party over for brunch and mimosas to help you address invitations or make wedding favors. Pick out your beautiful trio ring sets as a reward after you have interviewed the five DJs on your list.
4. Set aside a little extra miscellaneous money.
Even if you are a wedding planning wiz who has spreadsheets with line items for every expense, you will still encounter unexpected costs along the way. A lost decorations order will require a last-minute run to buy supplies at the craft store, or a typo on the programs will need an extra round of printing. Earmark about 5 to 10 percent of your total budget for these surprise expenses.
5. Keep it in perspective.
When you are planning your wedding, you will probably have a few stressful moments. You and your partner may even consider eloping instead. But try to remember why you are getting married and why you are excited to share your day with friends and family. Learn to shake off the small stuff, deal with the big stuff and count your blessings. The important thing is that you found someone you want to spend the rest of your life with!
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Shoping in-store for Budget Wedding Rings this Thanksgiving
It’s that time of year again, Food, Family, Football and Black Friday Frenzy! If you’re planning on seeking out the best deal this Thanksgiving weekend, there’s a few things you should keep in in mind to make sure you get the best deal. A four generations of expertise in this industry we’ve had the privilege of selling to brand name retail stores before going direct to customers. We’ve got a few pointers that will help you get a steal of a deal this holiday!
Things to keep in mind:
- Retailers will often advertise 50% or more in discounts, keep in mind that these discounts are based off very high markups. Use this knowledge to negotiate to a fair price!
- Make sure you seek out matching sets! Buying individual rings is dangerous when the rings are not an exact match and often end up costing you more than if you buy in a set.
- Compare apples to apples! Make sure the Color and Clarity are the same when comparing the price you’re paying! One way to calculate the value is to divide the Price by the Carat weight to see what you’re paying per carat! (Remember to make sure the Color and Clarity are the same!)
- Make sure the store offers a detailed returns and warranty policy. (Beware that some warranty programs disqualify you if you don’t bring your ring into the store every 6 months)
- Authenticity: make sure you’re receiving authentic jewelry by asking for a certificate with your purchase that backs up the advertised listing.
- How experienced is your salesperson? Where, or who were they trained by? Before making such an important purchase, you should get to know them to make sure they’ve got the right credentials to advise you on such a major purchasing decision.
We hope these few tips help you navigate the long crazy lines this weekend and in case you can’t choose between two rings, feel free to email or give us a call! Our no-hassle, non-commission representatives are happy to answer any general jewelry questions you may have, even if it’s for rings from another store! Stay safe this holiday while shopping for your dream bridal rings! In case you’re looking for the best online deals (or to compare with what you see in store), you can see our unbeatable deals on matching diamond rings on our Thanksgiving page!
Do Budget Weddings Lead to Stable Marriages?
A lavish fairy tale wedding may not lead to a fairy tale marriage, according to a new study.
Researchers at Emory University studied 3,000 married couples to determine factors that predict if a marriage will last or not. Their study found that couples who spent more on engagement rings and wedding expenses were more likely to divorce than couples who went for affordable engagement rings and more modest budgets: “Overall, our findings provide little evidence to support the validity of the wedding industry’s general message that connects expensive weddings with positive marital outcomes.”
Here are some of the interesting results from the study:
Affordable engagement rings are a wise investment.
Spending a more modest amount on an engagement ring is linked with a longer-lasting union. Men who spent between $2,000 to $4,000 on an engagement ring had a 1.3 times greater risk of divorce than men who spent between $500 and $2,000.
Budget weddings are prudent.
Though wedding costs continue to rise in the US - according a national survey conducted by TheKnot.com, the average wedding cost was $29,858 in 2013 - keeping expenses low is advisable. Weddings that cost more than $20,000 were more significantly associated with divorce than those with a lower price tag.
The size of the guest list is important.
The study results suggest that couples should strive for budget weddings, but that doesn’t mean you should head to Vegas to elope. Couples who have a large wedding ceremony attendance are more likely to stay married. In fact, couples who elope are 12.5 times more likely to end up splitting than couples who have 200+ guests at their wedding.
A longer courtship relates to a longer marriage.
Couples who dated longer before their engagement were less likely to split than those who dated less than a year (1-2 years: 20% less likely; 3+ years: 39% less likely).
Going on a honeymoon is a good idea.
Book those plane tickets! Couples who took a honeymoon were 41% less likely to get divorced than those who didn’t.
Some conclusions we can draw from the study are:
- Knowing each other well is an essential part of a stable marriage.
- It’s important for a couple to be surrounded by friends and family who support the marriage.
- More expensive is not better when it comes to weddings. Affordable wedding rings and more modest wedding budgets may alleviate the financial stress and debt that can come with more lavish weddings.
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