Investment Guide to Mutual Fund Investing

This down-to-earth investment guide is geared to investing for beginners. In this investment guide you will learn to invest with your eyes open, plus: what mutual funds are, what kinds are available, and how to save cash when you invest money.

Investing for beginners is like learning how to swim. Not recommended: jumping in over your head in choppy waters off the coast of Maine in January to learn the butterfly stroke. Suggestion: learn to float first, getting your face wet under calm clear water.

Don’t try to learn to invest by speculating in the stock market or in the bond pits, either. Start investing in mutual funds where professionals pick the stocks and bonds for you. These funds are designed for the investing public. In my opinion, at least 95% of the investing public is best off investing here. Mutual funds simply pool money from investors and manage a portfolio of securities like stocks and bonds for the investors. You simply invest money in a lump sum, like $5000; or periodically, like $200 per month. The money you invest buys you shares in a fund.

The vast majority of funds fall into one of four categories based on what they invest in: stocks (also called equities), bonds, money market investments, and a combination of all of the above. For example, if you invest money in an equity fund, just about all of it will likely be invested in stocks.

Equity funds are the riskiest and have the greatest profit potential, with growth and perhaps some income as their primary objective. Bond funds invest in bonds to earn higher income for investors at a moderate level of risk, generally. Money market funds are the safest and pay interest rates that vary with interest rates in the economy. Balanced funds are the fourth category and invest in a balance of the other three major investment asset classes; and this makes them a great place to start investing.

Income or interest earned in a mutual fund is paid to investors in the form of dividends. Most investors simply choose to have their dividends automatically reinvested to buy additional shares in the fund in order to make their investment grow faster. What makes investing for beginners a challenge is that each general fund category has a number of varieties.

Now here’s your basic investment guide to saving money when you start investing. There are two primary costs when you invest money in funds: sales charges called LOADS, and yearly expenses. You pay a sales charge when you buy funds through a representative. For example, you write a check out for $10,000 and hand it to your financial planner who works on commission. Then, 5% comes off the top to pay for sales charges; and each year you are invested, expenses are automatically deducted from your investment. These yearly expenses can be 2% or more of the value of your investment.

Or you can buy NO-LOAD funds directly from some of the biggest and best fund companies in America and pay NO sales charges, with less than 1% a year deducted for management and other expenses. To cut costs even more go with index funds of either the stock or bond variety. Index funds simply track an index of securities, rather than trying to outperform the stock or bond market. Expenses are low because management costs are low; sometimes costing you less than ¼% a year. Plus, index funds have another advantage. You won’t beat the markets, but you shouldn’t under perform them either.

Investing for beginners need not be a game of sink or swim. Call a no-load fund company that deals directly with the public and ask for a free investor starter kit. Then start investing when you feel comfortable, and save cash when you invest money. If you have a limited financial background I suggest you find and read a complete investment guide before you invest.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

The Best Investment Guide

The best investment guide would cover investment options and investment strategy. This investment guide would be complete and start with basic financial concepts and expand to include the entire universe of investments. That’s a tall order, so let’s just start with a simple version, and talk about all of the investments in the world in plain English.

Your best investment is a good, complete investment guide. I’ve been tuned in to the world of investing for 35 years and have read over 100 books on investments and investing. Most of them center on the stock market or some form of investment technique or get-rich-quick scheme. Many are time sensitive and out of date by the time you read them. Many tell you how to invest money like the author did when he made his millions.

What you seldom get with an investment guide or book is an understanding of investment basics and a simplified blueprint of your many investment options. So, here’s your simplest and free best investment guide to all of the investments in the world. There are only 4 different investments or asset classes out there depending on how you categorize things. Once you bring it down to this level you have a basic framework to work with.

CASH EQUIVALENTS and other safe investments pay interest. Either your principal or rate of interest is fixed for a period of time. Examples include U.S. Treasury bills, money market mutual funds and bank savings accounts. Advantages include high liquidity (access to your money) and safety, low risk.

BONDS are long-term debt instruments and they pay more interest income than the above. Examples include U.S. Treasury bonds, corporate bonds and bond funds of various types. Advantages include relatively high interest income with a moderate level of risk.

EQUITIES or STOCKS represent ownership in a corporation. Examples include blue chip stocks, growth stocks and equity funds. Advantages include ample liquidity, growth and some income in the form of dividends. Risk is significant and profit potential is high.

ALTERNATIVE INVESTMENTS is our final category. Examples include real estate, gold, and foreign investments. Advantages include high profit potential and an alternative to stocks when they are out of favor. Risk can be significant here as well.

That’s about as simple as an investment guide can get. All investment options can be fit into one of these asset classes. The important thing is that you have a perspective, and that you understand the investment characteristics of any investment before you invest money. For example, someone pitches an investment to you. Where does it fit in our above format?

How does it rate in terms of: safety, liquidity, growth and profit potential, income provided and risk? All investment options can be and should be rated in terms of the above to assure that they fit your needs and risk profile.

If you learn how to invest you’ll have a means of supporting yourself for the rest of your life. Once you have a sound understanding of investment basics you’ve built a great foundation for learning how to invest. The best investment guide would cover both.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

How to Invest and Prosper

Learn how to invest money and prosper; or don’t learn how to invest and continue to invest and lose money. It’s fun to invest money when you are winning. Get a financial education and see for yourself. You will NEVER feel left out once you know how to invest with a sound investment strategy. Let’s start that financial education now.

INVESTMENT BASICS

You can not put together a complete investment strategy without an understanding of the investments that are included in the package. Nor can you build your own house without knowledge of the pieces, parts, and tools required. Concentrate on investment basics before you decide on what plan to go with, or you may not be able to finish the job successfully. This means that you need to understand the investment characteristics of stocks and bonds, and how they compare to each other and to other investment alternatives.

Only then can you learn how to invest and put together a complete investment strategy. Like I said, it’s fun to invest when you’re making money; but you’ve got to start with the investment basics. Most people don’t know stocks from bonds. Start by reading articles or other publications that get down to the basics. For example: what are stocks, what are their risks and potential rewards, and how do they compare to bonds and other investment alternatives.

Now you are ready to learn about mutual funds, which are the investment of choice for most average investors. For most people they are the easiest and best way to invest in stocks and bonds, plus other asset classes. Mutual funds are simply investment packages that are professionally managed for you. To pick the right funds you’ll need to understand the asset class they invest in: stocks, bonds, money market or specialty (other).

HOW TO INVEST

Now you’re ready to learn how to invest and put the pieces together with a sound investment strategy. ASSET ALLOCATION is a crucial part of your investing and financial education, because how you allocate your money to the various asset classes will determine your success or failure… more than anything else. Simply put, how much should you invest in stocks vs. bonds vs. other investments? This is also called your asset mix. It’s much more important than what specific investments or funds you pick.

Once you’ve put a balanced portfolio of investments together you’ve got a great foundation. But if you want to continue to build and prosper you’ll need an ongoing investment strategy to make additions and changes over time as necessary. Read articles on investment strategy, asset allocation, and how to invest. It will all come together for you if you start at the beginning and build a step at a time.

Learn to invest like your financial future depends on it. With Uncle Sam in debt up to his eyeballs and employers fighting to survive, it does.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Using a Payday Loan For Fast Cash

A payday loan is the type of loan you should seek if you need fast cash in a hurry, since this type of loan has quick approvals and virtually no credit checks. The aspect of being fast is probably the biggest draw for this type of loan, where you can usually have the money in a matter of hours. And since no credit check is required, this is especially helpful for people with bad credit.

Looking at all the different types of loans you could get, a payday loan is probably the easiest to get. Hardly any companies that offer this type of loan require a credit check. To get this type of loan, sometimes also called a cash advance loan, you need a job, a steady paycheck and a paycheck stub, and a checking account with a local bank. With all of those things, a payday loan is just around the corner for you. But you need to be aware of the characteristics of a payday loan before you sign on the dotted line.

You will typically need to have a minimum amount of employment with your current employer for at least a month, sometimes three months, and with a few more stringent companies, even six months. Your checking account must be with a local bank and should not be in the negative when you apply. The company offering this loan may check with your bank about the number of overdrafts you’ve had in recent months, but that is virtually as far as any type of credit check will go.

Although this type of loan is quick, the downside is the much higher fees involved. The amount of the fees will usually depend on the amount being borrowed. You can usually borrow from $100 to $500 with companies offering this type of loan, and some may even go higher, and the fees will be a percentage of the amount borrowed. Make double sure you understand what those fees are and which fees will be applied to your loan.

For instance, if you do not pay the loan off on its due date, usually your next pay day, and need to extend the loan, you will have to pay additional interest charges. Many payday loan companies allow you to extend your due date up to three times, each time you will be charged interest fees. It is usually best to pay the loan off on or before its due date to avoid excess charges.

The great thing about a payday loan is that they can be helpful when you are in a bind. Many people, especially those with bad credit, take advantage of these loans if they do not qualify for a traditional loan. The biggest differences between a payday loan and a traditional loan are the amount of time you have to pay it back and the finance charges.

There are no rules for what a payday loan can be used for. You can use it for car repairs when that repair cannot wait until your next pay day. It can be used to cover a check you wrote that you don’t want to bounce or to take an emergency trip out of town, or any other reason you may have. This type of loan most times will not even ask what you plan to use the money for, since it really does not matter.

If you find yourself in a tight financial spot, a payday loan can be very helpful, as long as you understand the process and the much higher interest and fees involved. The company providing the loan will usually expect payment on your next pay day, which is where the name of this type of loan comes from. There are many online companies that sometimes will charge significantly lower fees and interest for this type of loan.

Instant Payday Loans A Quick Solution

Has it ever happened to you that you have found short of cash, for any purpose like for a medical bill or for car repairs, which were an emergency and could not have been overlooked?

From now onwards you can avoid that humiliation by taking the help of instant payday loans. Instant payday loans are basically loans, which are taken for a short term for a specific purpose. These loans generally fill the cash shortage, which can unexpectedly come up before the next cheque becomes due.

Instant payday loans are ideal for expenses such as:

· An unexpected medical bill

· An unexpected car bill

· Grocery bills

· Various utility bills, or

· Any other petty expenses which can suddenly come up

These small expenses can be quite frustrating and then these expenses accrue and can become bigger. So they should be paid off as early as possible before they become even more menacing.

Applying for instant payday loans is easy. Now days there are no of organizations, which are offering the instant payday loans to the people. All a borrower needs to do to apply for a payday loan is to know how much he needs as a loan amount. Then go online and fill your personal and loan application forms of the organizations that deal in providing the instant payday loans. If your conditions fulfill the criterion of the lenders the loans will be transferred in your checking account within one business day i.e. in 24 working hours.

As far as the repayment of the instant payday loans is concerned it is also easy. The repayment schedule is told to the borrowers before they have taken the loan amount. The repayment schedule usually ranges from a period of 7 to 14 days with an opportunity available to extend that up to a month as well. A higher rate of interest will be charged every time the loan period is extended. The amount of loans that you can borrow is from £200 to £1500 with the loan amount depending on your income. So more you earn more you can borrow for your instant payday loans.

Instant payday loans provide many advantages to the borrowers but one disadvantage that could be labeled at these loans is that they carry a high rate of interest. Since they are short-term loans the lenders tries to earn more by charging a higher rate of interest. However you can get comparatively low rates of interest if you can negotiate well with the lenders. Instant payday loans comparison is a good way to find comparatively lower interest rates online.

However there are a few criterions, which a borrower has to fulfill before they can apply for instant payday loans. They are

· The borrower should be currently employed with recurring or regular income

· The borrower should have a minimum income of £1000 per month

· The borrower should hold a current and active checking account, and

· The borrower should be a UK resident and should be at least 18 years old.

Instant payday loans are available to all kind of people even to people with bad credit. These loans are short-term loans and as long as the criterion is fulfilled the loans are made available to everyone who needs these loans. Since these loans are made available quickly there are no credit checks.

Benefits of instant payday loans are:

· They are affordable in any kind of emergency

· They are required in a quick time so no credit checks are required

· They are easy to apply and are approved quickly

· Financial information of the borrower is kept confidential

· Easy for everyone to apply

· Minimum or sometimes no paper work required

Anything can happen any time. Any unexpected bill can come up from anywhere it is not always that we can cover for that. With the help of instant payday loans you can feel secure that nothing will go wrong. As with these loans every possibility is covered.

No Fax Payday Loans – Paperless Loans

As soon as you finalise the loan terms with a lender, the first thing that you remember to do is to fax your papers to the loan provider. Before the documents can be faxed they have to be arranged. There are always a few documents that you remember at the last moment. To add to the commotion is the fax machine itself. If you have your own fax machine then it is good. If not, you have to spend hours locating the fax machine. Then also there are problems of the documents not reaching in full or the print being too vague.

These problems are enough to make you think of a way out of the faxing requirement. As if God heard your prayer, and commanded of the loan providers to develop no fax payday loans.

No fax payday loan is exactly what borrowers in the UK will prefer. With no faxing requirement, they can go about their work freely.

This forms one of the principal distinguishing features of no fax payday loans. The characteristics of a no fax payday loan are such that can do without documentation. The amount that one becomes eligible for under payday loans is very less. Borrowers can draw an amount in the range of ₤40 to ₤800. The loan proceeds are to be used for such needs as could have been met through the borrower’s salary, had he not emptied it in the middle of the month. Regular loans where large amounts are exchanged cannot be approved unless the borrower sends his documents.

The faster pace of approval of no fax payday loans can be owed to this absence of documentation. The loan provider can at once approve the borrower on receiving his details through an online application. Fast approval forms one of the important motivators to use no fax payday loans.

One cannot postpone certain needs for long, particularly when these needs form the essentials like food or rent for your accommodation. It is these needs that come up for disbursal through the no fax payday loan. Delay in their approval can result in customer dissatisfaction.

Borrower must confirm a few details about the loan provider who has been selected to process the no fax payday loan. Firstly, that they must be reputable and must have an experience in processing payday loans.

No fax payday loans do require of the borrower to fulfil certain prerequisites before forwarding their case for approval. The requirements are as follows:

o The borrower must have completed 18 years of age.

o The borrower must have a bank account in which the borrowers’ salary is directly paid in.

o The borrower’s bank must have a direct debit facility.

o Certain loan providers desire that the borrower must have a chequebook.

Payday loans are generally offered as secured loans. It isn’t any asset that goes towards guaranteeing repayments. It is only through a post dated cheque that borrower agrees to make time repayments on the no fax payday loan. The loan provider will present the post dated cheque on the date payments are due. The due date for final repayment of no fax payment loan is generally a week or a month. As soon as the borrower receives his next months paycheque he pays off the loan. It will also be in the interest of the borrower to quickly relieve himself of the burden of payment. This is because of a very high rate of interest chargeable on no fax payday loans. Borrowers cannot escape the high interest rate because a no fax payday loan is a short term loan which is characteristically of high interest rate.

The higher interest rates must not however be the reason to abstain from no fax payday loans. The ability of no fax payday loans to arrange cash within a very short notice makes them an inevitable companion of the present day’s individual, who is always in the habit of exceeding his limits while spending.

Women Allure Men With Satin Fabric

Clothing is something which keeps men on their toes for women. Women know this very well and hence will always wear the best of clothes when wanting to attract a man towards her. The best fabric used is satin-fabric. Satin is a kind of silk which is produced in China. It is secondary to silk but it has a class of its own. This type fabric is extensively used in making women wedding clothing, lingerie and other clothes. It is a smooth, silky textured fabric and is light in weight.

There are a large number of colors in this fabric and one can select from an all the possible light colors. Sky blue, baby pink, mint, ivory, white and lustrous black are some of the colors which men like when women wear it. These colors will enhance the beauty of a dress or night wear when patterned or stitched in such a way that the free flowing material looks good. Women know very well which kind of pattern men will like and hence will choose the same pattern for alluring men.

The silky nature of this fabric makes it difficult to stitch. Being smooth and free flowing it makes it difficult to keep the fabric in place when sewing. Besides clothing women also like fabric because they can use it to make bed covers and blankets. These products too play a very important role when a couple is newly married and the woman wants to impress her husband. Bed sheets, covers and blankets are made of satin-fabric and they look very luxurious and tempting.

When a woman wants to decorate her room with satin-fabric in order to give the room a romantic theme, she can use fabric for making curtains. Some women get red satin material and get beautiful curtains made of it which look really good on large windows. Satin fabric comes with various prints as well. Polka dots, long stripes, geometric designs and prints all are available in this fabric and one can stitch a number of things from it. The potential consumer market has a lot of satin-fabric ready made products and women prefer buying those as time and money both can be saved.

When it comes to selecting fabrics for wedding dresses and honeymoon clothes women would always choose satin fabric as this fabric is known to tempt men and keep them always in love with their women.

Wedding Jewelry Tips Tricks and Helpful Hints

So your not one of those fabulous actresses or models who has the luxury of the finest gems and diamonds being loaned to them by the likes of Harry Wintson. No matter, you can add a little sparkle and look extra-ordinaire in your gown on your wedding day. Here’s some helpful tips on how to shine on your most important day!

Faking It is Fine! It doesn’t matter if you cannot afford to adorn yourself in diamonds and pearls. The quality of Faux diamonds, gems, and pearls is amazing.

Gone are the days were anyone could tell real from fake. Only your gemologist will know real from fake. You can sparkle like a million dollar babe and you won’t break the bank.

The best way to choose earrings is to try them with your gown. The best styled earring will depend on the neckline of your gown, the type of necklace you are wearing, and how you will be wearing your hair. You want your earrings to be seen but you do not want them to be overpowering.

Drop earrings or short dangle earrings work well and pearls or diamonds [real or fake] add elegance and sparkle. If you’re not wearing a necklace you may want to wear more dramatic earrings. If your dress is beaded and sparkly then you’ll want to choose a more subtle earring so as not to detract from your gown..

Diamonds are a girls best friend, Pearls are truly a bride’s best friend. Pearls never go out of style, but this season they aren’t just in style, they are “hot”.

Not only are they “hot” they are very versatile. Pearls have been worn by fashionable women for ages. You can choose to spring for cultured pearl or purchase quality imitation pearls for a fraction of the cost.

When buying pearls you will need to choose a strand length that enhances the neckline of your gown. The best size pearls to choose are in the 5 to 7 mm range. There are many length choices with pearls.

A pearl collar is usually made of 3 or more strands and measures 12-13 inches. A pearl collar will hug the middle of the neck so it works well with a v necks, plunged necks or off the shoulder gowns.

A choker measures 14-16 inches and is the most versatile length to own. It will work with any gown neckline. The 17-19 inch

Princess with either very high or very low necklines. There are longer lengths of pearls available however they are not very suitable for wedding gowns.

If your lucky enough to have a fabulous piece of jewelry that’s a family heirloom, your wedding can be the perfect time to wear it. Feel free to ask family and friends to borrow a piece of jewelry you adore.

They’ll be honored that you asked. It’s also a great way to cover the “something borrowed.” Wearing jewelry that’s close to your heart is extra special because of emotional attachments.

Vintage jewelry is hot right now and can lend an added dimension to your bridal look. So if you have a favorite piece you’d like to borrow – ask. If you spot a wonderful must have piece to buy, don’t hesitate – it’s a hot statement this season!

Colorful jewelry is a great way to spice up your wedding day ensemble. Rubies, emeralds, and sapphires [real or fake] can add some punch to your wedding jewelry.

This season, colored pearls are a very “hot” fashion statement, available in a wide range of color from silver to bright pink. Just remember a little color is very good, but don’t go overboard and take away from your beautiful gown.

Dare to Be Bare. The options in jewelry can be overwhelming. How do you know which length necklace looks best with your wedding dress? Is your trendy four-strand pearl collar strung on wires a bit too trendy?

One way to go is to keep it simple. As for necklaces, you might decide to skip them altogether. This allows you to show off your dress’ stunning neckline whether it’s strapless or high or in-between.

And it allows you to show off your neck, which you might not want to show off in 30 years. You can also completely forego bracelets. Especially if you’re going to wear gloves, a bracelet can look funny and get in the way.

The norm is to not wear a watch unless it is elegant and delicate enough for wedding day attire. However, these day’s even your watch can count as a piece of jewelry.

There are some fabulous fashion watches available, many look like a bracelet. So if you just can’t bear not wearing a watch, go shopping.

The choices for your hair jewelry are endless. Tiara’s are very “hot” right now, however adding a necklace with the tiara might be a bit much. Sparkling crystal and rhinestone clips or pins are a nice touch to the brides hair adding a subtle sparkle.

The most important thing to remember is to keep your gown the center of attention. What ever jewelry choice you make, be they trendy, traditional, or funky be certain they work well with your gown and compliment it not over power it.

Winter Weddings and Bridal Make-up

Winter weddings have different needs and requirements to summer ones and it does not make sense to expect them to look the same.

Firstly, the scenery will look different in winter. Instead of the soft shades of summer the scenery will be much stronger with bold contrasts. Often in the winter the sky looks almost white and the bare trees almost black in contrast. Evergreens are present and the grass and hedges will appear darker in winter.

Obviously the weather will be much colder and consideration must be given to some sort of cover-up for the bride whether it be a velvet cloak, fur shrug or shawl or thick lace bolero. Her gown will need to be made of heavy, luxurious fabric for warmth. If you are getting married in winter you may wish to think outside traditional bridal colours and consider some colour in your wedding dress, whether it’s just in the embroidery, the bodice or from top to toe. Deep reds, burgundies, purples and evergreens can look striking against a winter background. If you want to be more traditional and marry in white, consider these colours for the bridesmaids, men’s ties or cravats, flowers and other decorations.

Much consideration needs to be made to your bridal make-up. In winter your skin and that of your bridesmaids is likely to be lighter. The natural lighting will usually be dimmer than summertime and you will need a slightly more striking make-up look rather than a light summery one if you are to look your most beautiful on the day and in the photographs.

Make sure your foundation is as near to your own colouring as possible. It should even out your skin tone and keep your face looking fresh and youthful but should not turn you orange! If you are very pale a natural shade of bronzer can be brushed over the entire face after the foundation has been set with loose powder.

If your skin tone is warm consider gold, bronze, toffee and cocoa shades for your eyes.

Your cheeks will need a blusher with a warm tone. Although a light peachy shade might work in the summer, go for something with a little more depth for winter, such as a deeper coral or nutmeg. For your lips try a striking terracotta, cinnamon or warm red but if you feel these are too heavy for your colouring and bridal look go for a more subtle, sheer coral or copper.

If your skin tone is cool you will need less of a golden look and more of the cool tones. For eyes choose silvers, grey, pewter and mushroom shades. Your blusher will need to be a medium to deep pink or mauve unless you are very fair and then a delicate pink will work. For the lips again the look needs to be cool so try raspberry reds, rose-pink shades or burgundies.

To ensure your bridal make-up is perfect for you, for the time of year and to compliment the overall look of your outfit, why not visit a style consultant for a try out. They will be able to advise you expertly and make sure you are thrilled with your look for your big day.

Destination Wedding Favors – Wedding Favor Ideas That Travel With You

Even though favors aren’t exactly a mandatory part of any wedding, destination wedding favors are probably one of the first things that should be on your wedding planning checklist.

Why?

Because if you’re traveling out of town, let alone out of the country, to get married, your guests are more than likely going to have to spend a bit of cash to get there.

So you want to make sure you’re giving them at least a token of appreciation for going out of their way to celebrate with you.

And you also want to make sure that the favors you’re giving out are things that your guests can easily take home as keepsakes without getting broken during the trip.
What are the best destination wedding favors to look for?

Here are some of the things to consider, especially when you need to pack the favors and take them with you, or ship them ahead of time to your wedding location:

Favors that will fit into any budget.
Portability-lightweight and don’t take up a lot of space if you take them with you
Non-breakable
Won’t melt or go bad.
No assembly required
Cheap to ship to your destination
For overseas weddings, destination wedding favors will get through customs on the way in and by your guests on the back out of the country

1. Favors that will fit into any budget. When you start shopping for destination wedding favors, you don’t want to spend a lot of money, because you might already be spending a good bit of cash on the wedding itself.

At the same time, you don’t want to give your guests cheap wedding favors either. They’ll know the difference. So look for tokens of appreciation that speak to your guests – that say a genuine ‘Thank You’ without blowing your budget.

2. Portability. You want your favors to be easy to take with you. They’ll either fit in a small enough box to take in your carry-on luggage, if you’re flying, or sit on the floor of your car and not take up much space.

3. Non-breakable. I know those cute little glass figures or ceramic pieces are really adorable. But the last thing you need is to reach your destination and a few of those little trinkets have cracked or broken.

Unless you bought extras just in case, you might be out of luck if you can’t find those same favors locally – if you even have time to shop for them.

4. Won’t melt or go bad. Edible wedding favors are pretty much all the rage today. But if you’re going to go with cookies or candy, make sure they’ll still be fresh when you’re ready to set them out for your guests.

6. Cheap to ship to your destination. The easiest way to get your destination wedding favors to your location is to ship them ahead of time – or have your vendor ship them to your location for you.

Just make sure your vendor is reliable and will definitely ship them on time. And be sure that whether you ship them yourself, or your vendor ships them for you, that your name and room number are on the shipping label so the hotel management can make sure that you get them.

Also make sure they’re shipped out enough in advance to actually reach your destination on time.

7. Getting through customs. So you’ve decided to get married outside of the U.S. – or your native country – maybe you live in Italy and you’ve always wanted to get married at Niagara Falls, either in Canada or the U.S.

Whether you’re bringing your destination wedding favors with you or you’re having them shipped over ahead of time, they need to get through customs without a problem and without any extra cost either to you or to the location where they’re being shipped.

The Perfect Destination Wedding Favors
I’ve found that the perfect destination wedding favors are flat, need no assembly, are less than $3.00 each, will travel anywhere, and are even less than 2 lbs. to carry.

These favors can be customized to fit in with any wedding theme and any location. And they’re so portable that your guests will have no problem putting them in a book or handbag, a shirt pocket or in their carry-on luggage.

The perfect destination wedding favors are customized and personalized wedding favor bookmarks! And if you need escort cards or place cards, you can use bookmarks which will also double as your favors.