Friday, February 24, 2017

Business Capital Event

funding your business venture, you need to decide between debt capital ...
If you are a minority business owner that needs business capital, attend the U.S. Black Chambers Capital Pathways event to gain access to business capital. Register now at
Business owners:

Register now for the event in your city.

Wednesday, February 08, 2017

19 Tips to Save on Weddings


Weddings are a transition stage of living with your parents to moving in with your spouse to start a new life.  A wedding is an official form of recognizing a union between a man and a woman. The final transition symbol is when the bride is taken from the arm of her father or parents and given into the arms of her husband. Weddings are a happy occasion to celebrate with family and friends. 

The average cost of a wedding in the United States costs over $20,000. If you’re planning your big day, don’t let that number scare you! There are loads of creative methods to implement your wedding ideas without sacrificing what matters most to you.

One of the best ways to save is with your wedding venue. A wedding venue could be many things, but for most weddings, it means a place for the ceremony and a place for the reception. Planning the wedding venue is really the first step in planning a wedding – everything else hinges on the location.
Going into debt as soon as you get married is a bad way to start off a marriage. 

Many couples go into debt paying for a wedding and instead could have used the money as a down payment on a home.  You can still have a fabulous wedding without breaking the bank. A wedding should be memorable but memories don’t have to be expensive.  So start off your wedding planning right by making the most cost-effective decision. Here are 33 cool ways to do just that.

  1. Budget - Ask for a discount if you pay in full. Keep budget at $10,000 or less.
  2. Off-Season - Get married in November or January, to reduce costs and save money if you go on a honeymoon. Schedule the wedding during off-peak times such as October, November or January through March. April through October are peak seasons for weddings so choose a time outside of those months. Avoid getting married near a holiday when prices are higher.
  3. Party Later - Have a small reception and a party later with 50 people or less.
  4. Bouquets – Use a long-stemmed bouquet, elbow bouquets or create your own. Choose seasonal or local flowers and keep arrangements simple or choose flowers that have larger buds to save money.
  5. Food - Eat standing up instead of a sit-down dinner or have a buffet where guests can get the food themselves. Have potluck wedding if you are having a small number of guests. Guests can bring their favorite dish.  Purchase food in season. Use a caterer that does not specialize in catering weddings. Select inexpensive items such as chicken, pasta or macaroni and cheese and provide no more than 2 meal options.
  6. Alcohol - Offer a cash bar or bring your own alcohol and pay a corkage charge to have the alcohol served.
  7. Music - Use a band instead of a DJ unless you can find a great up-and-coming DJ. Be your own DJ and use your iPod, iPad or MP3 player for music instead of hiring a DJ.
  8. Desert - Buy individual cupcakes instead of a wedding cake or buy a smaller cake to prevent leftovers.
  9. Invitations - Use office supply stores such as FedexKinkos or Staples to make invitations. Keep designs simple to reduce costs. Use one envelope instead of 2 when mailing invitations; this also eliminates using of a postage paid return envelope. Use online event websites such as Evite to send invitations. Use postcards for RSVPs instead of a folded card and matching envelope.  If your wedding is the same place as the reception don’t use a reception card.
  10. Official - Get a non-clergy person to officiate the wedding.  A friend or relative can register online for a small fee up to $40 and receive a certificate in the mail.
  11. Venue - Your wedding venue should be the location for your wedding and reception. Use a hall for the reception and try to find own that lets you use your own caterer. Use a hall that is not normally use for weddings. You can also have a wedding at an art gallery, hotel, in a park, backyard, church, beach, community clubhouse or recreation center. Get at least 3 quotes.
  12. Wedding planner - Be the planner. Plan your wedding instead of using a wedding planner. Get family and friends to help with the planning.
  13. Barter - Use bartering to reduce costs with sites such as
  14. Wedding Dress - Buy latest year’s style, a non-designer dress, off-the-rack dress or a non-white dress, at consignment shops, designer or sample sales, eBay,  have your dress made, rent a dress, or a consider a used gown.
  15. Bridesmaids Dresses - Let the bridesmaids pick their own dresses and colors or buy regular cocktail or evening dresses.
  16. Toast - Skip buying champagne for the toast.  Guests can toast with whatever they are drinking.
  17. Spouse - Your spouse and groomsmen can buy nice suits instead of tuxedos for the wedding.
  18. Makeup - Wash your face thoroughly that morning and get a facial at least 3 days prior to getting your makeup done for your wedding. Ask the makeup artist to leave a touch-up case behind for you to save money. Consider going to a department makeup counter to get a makeup to save money.
  19. Optics - Get referrals from friends or family or look for inexpensive packages. Spend money on the most important pictures and consider hiring an intern and student for additional pictures. Get pictures taken or video but don’t spend money on both.