Monthly Archives: February 2013

Winter wedding planning – with a blizzard in the forecast, will your wedding go on as planned? How wedding insurance may save your winter wedding day

Making the best of a snowy wedding day

Making the best of a snowy wedding day

As I write this, light snow is lazily falling outside my Lexington, MA home. However, the weather people tell us that soon we will be hit by a blizzard of possibly historical proportions that will last until mid-day Saturday. Already, flights are cancelled, schools are closed, and many weekend sporting events have been rescheduled.

Blizzard weddings can be beautiful. Take a look at this story of one Philadelphia-area couple who made it work, as well as this story of a blizzard wedding in Minnesota.

But what if your wedding (or Bar Mitzvah, or 50th Wedding Anniversary party) was supposed to happen tomorrow, at the height of (or just in the aftermath) of the blizzard? Yes, the weather is supposed to calm down by Saturday afternoon, but if you are in an area that hits the jackpot and gets up to 30 inches of snow over the next 24 hours, there is no question that your event could be affected. Guests who are travelling may simply not be able to get there. Local vendors may have difficulties getting the supplies they ordered, much less getting to the venue. Your venue may lose power. What should you do?

In the best of all possible worlds, you would have thought ahead and bought insurance to cover the possibility that some unforseen event might affect your ability to carry off your event as planned. After all, with the average cost of a wedding in the United States now approaching $27,000, you have an expensive investment to protect. Basic policies cost anywhere from $200 to $600 small change to protect yourself, especially if you are having a winter event. One company, Wedsure, advertises policies starting at $95.

Wedding policies vary widely in what they cover, but a good one will cover the cost of rescheduling in the event of bad weather – such as a blizzard. They can also protect against the illness of essential participants, no-show vendors, and venues cancelling on you. There are additional riders that usually can be purchased, such as protecting yourself against liability resulting from a guest getting ill or injured or damage to the wedding site.

There are specialty wedding insurance companies (just google “wedding insurance”), but you may first want to check with your own insurance agent as to what may already be covered under your existing policies (such as coverage for the theft of gifts through your homeowner’s or personal property insurance).

One thing wedding insurance doesn’t cover? Last-minute cold feet (and I don’t mean the kind that comes from being outside in the middle of a blizzard). If that happens, you’re on your own.

Super Bowl Sunday – what’s love got to do with it? Everything.

Footprint on the moon.

A hunan’s footprint on the moon. Mission Impossible? No. We made it happen.

“Winning isn’t everything, it’s the only thing.” That phrase may be the one for which legendary Green Bay Packers coach Vince Lombardi is best remembered. Lombardi’s teams won the first two Super Bowls in 1966 and 1967. The trophy for winning the Super Bowl was named in his honor after his death from cancer in 1970.

Winning certainly will be on the minds of the teams playing for this year’s Lombardi trophy, the San Francisco 49ers and the Baltimore Ravens. To the victor go bragging rights that can never be taken away. But the day on which the Super Bowl is played has turned into something much bigger than a day on which one football team wins and another loses.

It has become, in many ways, a type of national holiday. How do we celebrate? One way is by eating. The amount of food consumed on Super Sunday is second only to Thanksgiving. It is estimated that Americans will consume 80,000,000 avocados, enough to cover a football field 12 feet deep in guacamole. That pales in comparison to the 1.23 billion chicken wings we will be eating, enough cover more than one million football fields. And what are we washing that down with? Beer, of course – 325 millions gallons, enough to fill 1,938 Olympic-sized swimming pools.

In addition to food, the Super Bowl has become, well, the Super Bowl of advertising. It is estimated that as many as one in 12 people pay more attention to the commercials than the game, which is a good thing for advertisers who are (you should excuse the expression) forking over $3.8 million for the right to air a 30-second ad. The day after the game, the commercials are the subject of a lot more conversation than the actual game itself, in some circles.

So we will watch the game and watch the commercials (and Beyonce at halftime) and there will be winners on and off the field.  Not everyone can win, of course. What does it take to win? The surprising answer may be found in another quote from Vince Lombardi: love.

“Teamwork is what the Green Bay Packers were all about. They didn’t do it for individual glory. They did it because they loved one another.”

This year, for the first time, two brothers will coach the opposing teams vying for the Lombardi Trophy. Jim and John Harbaugh certainly love each other as brothers, but I think that 49ers coach Jim may have been channeling Lombardi when he spoke at their joint press conference on Friday morning.

“There’s no question that it’s very exciting playing against my brother,’’ Jim said. “The thing I also think about is the San Francisco 49ers, our players. They’re my brothers. For he who sheds blood with me today shall be my brother. I feel that about our players. This game is about them playing with their brothers. I know the Ravens feel the same way.’’

Here’s to brotherly love, on and off the field! And here is one more Lombardi quote, which should provide inspiration for people who think that winning something, anything, is out of their reach:

“We would accomplish many more things if we did not think of them as impossible.”

Do you have a personal “Mission: Impossible”?

Have you ever accomplished something you thought was impossible? How did that feel?