10 Ideas to Save on Cheap Wedding Jewelry & Rings for Brides

wedding jewelryJewelry may not seem like one of the bigger details of wedding planning. For the bride, her wedding dress, hair style, and makeup all usually take precedence over jewelry.

Still, the bride must wear some jewelry on her big day, and even more crucial are the wedding bands that the bride and groom exchange. When all is said and done, what you are left with after the wedding are two people with rings on their fingers. So wedding jewelry plays an important part, but it’s an area where you can save some money too.

Here are ten ways to save on wedding jewelry.

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How to Fire an Employee Legally – Reasons & Laws

fired employee woman“You’re fired!” No one likes to hear those words. And it’s not very fun to say them, either.

You probably won’t tell someone they’ve lost a job the way Donald Trump does it on his TV show, but it seems like it would be a lot easier if you could just say those words and leave the room.

Terminating someone’s job, though, requires a little more compassion, finesse, and explanation.

If you are ever called upon to tell someone they’ve lost a job, here are some things to consider.

Reasons for Firing an Employee

Some legitimate reasons for firing someone include:

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5 Best Personal Finance Apps for the Android and iPhone

smartphone personal finance appsYou can do just about anything with a smartphone. There are apps to help you manage your ever-growing digital music collection, travel apps to find the best deals on the go, apps to find the best gas prices, and even apps to ward off zombies.

You can also manage your money directly from your smartphone. There are dozens of personal finance apps available for Android and the iPhone that let you do everything from making a budget to filing your taxes.

Since some financial apps simply aren’t worth the download, here’s a short list of my top five.

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Tips for Your Wedding Gift Registry & Etiquette Checklist

wedding married coupleYour wedding is one of the few times in your adult life when you can actually pick out the presents that you want people to give you.

It’s great because when you open the fancy coffee maker that grinds its own beans, and say “I love it!” – you actually mean it.

Registering for gifts can be one of the most fun parts of planning a wedding, but it can also be stressful. Here’s a complete guide to making your wedding registry perfect.

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Certified Employee Benefits Specialist (CEBS) Certification – Designation Requirements

cebs designation manBenefits make up a key element of any employee compensation package. As a result, employers must fully understand how they work in order to use them to best meet their employees’ needs.

Certified Employee Benefits Specialists (CEBS) are thoroughly trained in all aspects of employee benefits and their proper use. The CEBS certification is currently recognized as the leading credential in the employee benefits arena and is provided by the International Foundation of Employee Benefit Plans (IFEBP) in partnership with the Wharton School of Business at the University of Pennsylvania.

Over 100,000 professionals have earned this mark since it was first introduced in 1976.

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How to Start a Candy or Chocolate Making Business in 7 Steps

chocolate candiesYou may be surprised to know that one of your favorite hobbies – eating candy and chocolate, of course – can turn into a huge money making venture.

In fact, according to the National Association for the Specialty Food Trade, specialty foods account for $50.3 billion in sales through retail stores and $12.7 billion in sales through restaurants. And a lot of that is candy.

The average American eats almost 24 pounds of candy each year and spends $84 annually to feed their habit.  The market for specialty candy is big and growing. So what does it mean to you? Perhaps you can start a booming candy business for a rather small investment.

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How to Crack US Airways Dividend Miles Redemption for Rewards Travel

us airways dividend miles logoYou spend years earning frequent flier miles through travel, credit cards, and various promotions. But when the time comes to book your flight, the airline wants to redeem twice the amount of miles you expected. How many times has this happened to you?

It’s happened to many US Airways customers when they’ve tried to redeem their Dividend Miles. US Airways has severely restricted their award seat availability on their own flights, while making it very difficult to find available award seats on their partners’ flights. Fortunately, there is a large community of travelers dedicated to the challenge of finding awards and they’re willing to share their secrets.

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What Are Substantially Equal Periodic Payments (SEPP) – Rule 72(t) Distributions

golden egg cash handIf you’re lucky enough (and prepared enough) to retire early, you may run into a little snag when you try to withdraw money from your IRA or 401k: You’ll be charged a 10% penalty for taking it out before the age of 59 1/2.

However, one way many early retirees get around this is by withdrawing specific amounts of money in substantially equal period payments, or SEPP. It’s also known as the 72(t) rule, after the IRS code section to which it refers.

An SEPP plan allows you to withdraw money without getting the 10% penalty, as long as you adhere to specific rules set out by the IRS.

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Golden Parachute Clause Definition – Examples of Payments

golden parachute“Golden parachutes” get a lot of  press, and they always sound like elite packages for high-level executives. Very few people get them, and very few people know how they work.

Companies usually reserve them for executives at the top of the organization chart, and these contracts establish an agreed-upon compensation package that the employee would immediately receive upon termination. The benefits package usually includes a list of specific terms that explain what the terminated employee will receive.

How a Golden Parachute Works

When someone is offered an executive position at a firm, the contract will often include a golden parachute clause. This clause states the amount of severance pay, stock options, and cash bonuses that he or she would get.

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