Play Games at My Wedding Reception?

You can add spice to your wedding reception and have great fun doing it by playing games! Of course, you’ll still have that first dance with your new spouse to the tune from when you first met. And, you’ll still get to eat from each other’s fork when you cut-the-cake.

While the bride may play games at her bridal shower with the other “girls”, games are not reserved for showers only. You can use games to encourage conversation among your guests. Games can also help in cases where you want a fully enjoyed reception, yet there are religious or other reasons for limiting your dancing or music.

There are basically three types of games that work at a wedding reception. They are: Games for Everyone, The Joke is on the Bride and/or Groom and Outdoor Games (of course for an outdoor wedding).

Games for Everyone

Pass the Buck – Play musical dollar at each table. Whoever is left holding the $1, wins the centerpiece.

Switch the Shoes – The bride and groom may hold up a shoe or garment belonging to the opposite spouse in answer to a what-if question on how they will act in married life.

On the Spot Art – Each guest is given a paper and pen and asked to draw another random guest. This works best when they don’t know beforehand the guest being drawn.

Guess the Truth – Guests are asked multiple choice questions that have been previously asked of the bride and groom. A show of hands will see how many guests are on target.

On the Spot Poetry – Each guest is given a piece of paper and a pen. The paper has the start of a poem like “Sally and Mike met at the fair…” The guests complete the poem.

Games where the Joke is on the Bride and/or Groom

*If you are the bride or groom, let your best man or a bridesmaid read these

Give Back the Keys – (This only works if the bride and groom do not yet share a home) The bride and groom is each given a basket. Announce that “Anyone who still has her house keys must give them back.” Lots of guys get up and drop keys in her basket. Only one guy and the groom’s aunt return keys to the groom’s house.

Guess the Bride – Blindfold the groom and present him with 5 barefooted persons. He must guess which feet belong to the bride. Choose anyone but the bride to be among the 5 persons. In fact, this is really funny if they are all men.

Guess the Groom – Blindfold the bride and ask her to feel 5 men’s faces to guess which belongs to the groom. Choose anyone but the groom to be among the 5 persons.

Outdoor Games

What you play will depend on where the wedding is and how the guests are attired. A game like croquet is easy to set up in a park or large backyard and is possible in semi-formal clothing.

If the wedding is very casual, a park with large grassy area may be great for Volleyball or a huge circle of folks passing a Frisbee. And limbo – with the right music – is great almost anywhere, especially for a Caribbean or beach themed reception.

Computer Maintenance – Computer Repair in Hawaii

Computer Repair Hawaii

Computer Repair Services in Hawaii is not so much different than the mainland, especially on the island of Oahu, but there are a few challenges. Having lived on Oahu over 45 years ago in Ewa Beach, and returning just over 7 years ago, the scene has changed drastically. Things were more rural back then, and of course there was no internet.

In Oahu, people seem to work on one side of the island and work on the other. Since there are only 1 or 2 ways to get around, traffic can be extremely congested, and parking can be a challenge. So while you are looking for a Computer Repair Shop to drop off your computer, or waiting for a Mobile Technician to drive out to you, timing can be a challenge. For some reason, even in Paradise, things can get pretty busy. With that said, I just wanted to put out my two-cents that affect both the customer and the service provider about computer repair in Oahu.

Traffic Challenges

If you live in Waianae, Waialua, Haliewa, or the North Shore, Windward and around Waimanalo, you will have to rely on Mobile Technicians willing to come out to your location, or to drive the distance yourself. The problem with dropping off a sick computer yourself is that most shops open about 9-10am and close at 6pm. You either have to take time off from work, hope traffic is light after getting off work, or just wait until a day off.

For some reason, there are no shops I am aware of in Waianae, Haliewa and all through the North Shore. Shops on the Windward side are scarce as well, but I vaguely hear that there may be a shop out in Kaneohe, but they must not do much advertising. If you have a Macintosh, there is definitely a shop in Kailua, just be aware that not all shops repair both PCs and Macs, and while do mobile technicians.

My Rant About Windward Computer Repair

Concern computer repair for our valued Windward customers, I have to rant a little bit. Windward customers in Kaneohe and Kailua are fiercely loyal to their local businesses, which is a good thing. But when it comes to computer repair and they are looking for a mobile technician, they always want someone who looks closer to where they are, which at first, looks to make sense.

If they call you and you actually have a physical location and provide both in-shop and mobile services, they get hung-up on your shop's physical location even though they are calling for mobile service. The truth is, that they have no idea where the technician is coming from. The technician might already be scheduled to be out in that area for another customer and can easily set an appointment for you as well. They are not just just sitting around at home all day waiting for you to call, so you just can not accumulate where they will be dispatched from. That may sound harsh, but it always surprises me when we spend some valuable time over the phone with a prospective customer, trying to understand their computer problems and comfort them with our solution to their problem, and as soon as we mention that our shop is over the hill on the other side of H3, they start backing out of the conversation almost as if they thought they were doing "us" a favor and say thanks but no-thanks, we'll just call someone a little closer. I do not get it, and even when I can truthfully say that I have a tech in the area already, they do not care. I know other shop owners who get this same response about mobile repair on the Windward side. The fact is that we are happy to serve customers on the Windward side, and we appreciate their loyalty once they finally hire us to repair their computer. But it is a hurdle starting that relationship. I might add that it is a beautiful drive to the Windward side, especially if you get to drive back through the Northshore if you have the time. I always look forward to a good Shrimp Plate lunch from one of my favorite shrimp trucks along the way.

Parking for Mobile Computer Repair Technicians

If your business or home is located in a reliably populated area away from the areas I just mentioned, you'll have plenty of options for both in-shop and onsite computer repair in Oahu. But if you need service in the congested business areas of downtown or Waikiki, parking is a problem. My suggestion is that if you want prompt service, that you provide information to the technician about the most convenient place to park as well as any parking fees (which may be added to your bill). You might even be able to pre-arrange parking in a reserved area for vendors. And lastly, it even helps to know details such as any vehicle height restrictions for parking garages, or detours due to emergency or special events.

Giving Directions

When setting an appointment for mobile service, it is vital that you provide an accurate address and phone number. Many local Hawaii residents prefer to give directions and landmarks than actual addresses, but Mobile Technicians end up learning the island very well and even use GPS devices these days. Some even print out directions with Yahoo or Google before coming out. We would prefer that you just give us your complete address and then maybe a landmark if you live in an obscure hard to find location. We need the address for our invoice anyway. We appreciate the directions, but customers somehow assume we will be driving to their location the same way they do everyday, but the fact is that we might be coming from the other way, and then left become right, and right becomes left and it gets confusing while driving.

Be Sure to Give and Get Correct Phone Numbers

As for your phone number, things happen and we may need to call you. We also like to call before we come out to ensure you'll be home. Fortunately, we are not like the cable companies that tell you they will arrive between 9-5. Mobile Technicians can usually provide you with a 30-60 minute window. But if you have something come up, we would appreciate if you could call us as soon as possible to postpone.

Also, be sure that you know which Computer Repair company you made the appointment with and have their correct number. Many customers call quite a few shops before they choose who they will make their appointment with and get phone numbers mixed up. Some even call us more than once because we have more than one phone number. It gets quite funny hearing the same person calling again, now using a better description of their problem because of talking to us earlier. The problem is that it might get confusing to remember who you chose in the end. Now and then I'll get a person calling us by mistake to cancel an appointment that we never made. Imagine the frustration of the technician when he drave out to your home or business just to find out that you said you called and canceled already, why are you here?

In-Shop vs Onsite Computer Maintenance

This basically boils down to price, turn-around time and convenience. In-shop repair fees are usually flat rate fee based, and takes days to get back, but you will get more thorough service this way. Shops are also more prepared for the extremely difficult problems. With shops, you can just walk-in during normal business hours, although you should call first to get guidance on what to bring. For laptops, you should always bring the AC Adapter (battery charger). For desks, we usually only need the computer itself (no cables or peripherals, although it would not hurt if you bought your CDs).

Onsite service is usually hourly fee based, and may even have a trip charge. Onsite service by nature is by appointment only, but many problems can be diagnosed and repaired within an hour or two. With onsite service, it is critical that you describe your computer problem as well as possible, because if it sounds obvious that it might be a hardware problem, your computer may be a better candidate for in-shop repair. It's already difficult enough to get certain types of parts on island such as motherboards and CPUs at a Computer Store, so you can expect that a Mobile Technician will not have every part needed to fix every computer in their vehicle. Some parts even have to be ordered online and can take a week or so to arrive. Hopefully you can see the complications this may cause with setting another appointment as well as how the technician will bill you for the first and second appointments. It would just be better to bring these problem computers to a shop.

Major Limitations for Mobile Only Technicians

I certainly do not want to knock mobile only technicians, because I got my start that way. But you have to know that these ones can only serve a small finite number of customers in any given day. Many people get attached to their computer guy once trust is established, but it can get frustrating when your trusty Mobile PC Tech can not make it out fast enough. They might even need to take a vacation and when you get a hold of them on their cell phone, you find out they are on the mainland for a week or two. If you can not wait, you have to find someone else.

Mobile repair is limited as well for reasons spelled out in the "In-Shop vs Onsite Computer Maintenance" section above. There are also certain types of maintenance that will never get done onsite due to how long it will take. If I think I have to perform a surface scan on a hard drive just for starters (which can take 2 hours or more in some cases), I almost immediately recommend I take the computer back to the shop to complete at the flat rate. Some computers develop multiple problems and can take 4-5 hours to repair. For one, it will save you on further hourly charges, but it will also help the technician to be on time for other appointments after you, since he probably only allotted 2 hours for your appointment. The complicated part is that a mobile technician may not have a shop to take your computer to, and may only be able to take it to their home. If you are okay with that, then fine, no problem.

I would add that a technician that has both in-shop and onsite experience are the best technicians. For mobile only technicians, it can be hard to get this experience because they will rarely get a customer that is willing to pay a technician to spend 4-5 hours onsite, not to mention having to dedicate their own personal time as well to be there . But if the technician does not ever get the chance to spend time on the real hard problems, it is unlikely that they will ever progress to become a master technician. If you were choosing a doctor for a complicated surgery, how concerned would you be about his or her experience? The answer is obvious.

Anyways, while our computers and online lives might not be life and death situations, we seem dependent on them suddenless. So I hope this insight into both sides of Computer Maintenance and Repair in Hawaii help you make the right decisions when that inevitable computer problem occurs. That way, you can be armed with the insight to make the best choice available for your computer needs.

How Do Credit Card Companies Make Money?

Credit cards have gained much popularity in India over the last few years. Public sector banks as well as private banking institutions have come forward to launch a host of credit cards suiting customers with different types of needs. HDFC Credit Cards and SBI Card are the two companies with the largest market share. While banks are ready to offer you with a small loan in the form of credit cards, have you ever wondered how these banking institutions make money from these ventures?

The three main ways how card issuers make money is through the annual fee of the card, interest charged on late payment, penalties on skipping EMIs, etc. At the same time, they also earn from the businesses that accept these cards. Businesses are required to pay transaction fees to the banks which also makes up for significant earning of the card issuer banks.

But before we dig deeper into how they make money, let us first understand the term 'Credit Card Companies'. It is easy to get confused between credit card issuers and credit card networks. An issuer is the bank or financial institution from which you take the card. You are taking a loan from the card issuer and paying back to them. A credit card issuing company is usually a bank. On the other hand, credit card network refers to companies that process the transaction. Currently, there are three major networks in India- VISA, Master Card and RuPay. Apart from these, American Express and Discover cards can also be found.

So, when you make a transaction with your credit card, your money moves electronically from your bank through the network to the merchant's bank.

How do credit card companies make money?

As mentioned above, your bank makes money majorly from you and also from the merchants where you use the card issued by the bank to make the payment. Banks or financial institutions make money in the form of-

Fees

Banks charge different types of fees from their cardholders- some fees are to be paid by everyone whereas other types of fees are levied on condition. Let us talk about these fees and charges-

  • Annual Fees- You have to pay annual fees towards your credit card, especially when you are an elite cardholder and enjoy higher benefits than normal users. This is to be paid by all users. However, some banks may set a condition of spend based annual fee reversal scheme.
  • Cash Advance Fees- When you withdraw money from an ATM using your credit card, the bank charges a minimal fee for it which is normally correlated to the amount you withdrawal. This is also included in the card issuer's earnings.
  • Late Fees- Your card issuer charges fees from you if you delay your EMI payments. Banks make more money from late payers in the form of late fees.
  • Balance Transfer Fees- When you transfer outstanding balance from one card to another, the bank charges fees from you which again becomes its earnings.

Interest

The bank or financial institution has just gifted you a credit line. You have to pay the interest for the loan that is offered to you in the form of credit card. This interest cost adds to your expenses and is a method of earning for the banks. Interest on credit card is charged on daily basis for as long as the amount stands outstanding in your account. This is why experts always advise you to pay the total outstanding amount in full every month because interest will accrue on any amount that stands unpaid.

Let us understand this with the help of an example. Suppose the billing date is on 4th of every month and payment due date falls on 29th of every month. APR = 24%

  1. 10th March- Apparel Shopping- Rs. 5,000
  2. 13th March- Bill Payment- Rs. 2,000
  3. 19th March- Gadget Purchase (converted into 6 month EMI) – Rs. 12,000
  4. 22nd March- Dining Bill- Rs. 1,000

Now considering that the person does not have any outstanding amount from the previous bill, he will have to pay Rs. (5,000 + 1,000 + 2,000 +2000) = Rs. 10,000.

This will be the total amount due on 29th March. Now if the person chooses to pay only Rs. 6,000, the remaining Rs. 4,000 will accrue interest for each day until the amount is paid in full. Considering that the user again pays Rs. 2,000 on the 10th of April, let us see how interest cost works out-

Interest = (outstanding amount x 2 percent per month x 12 months) * (number of days) 365

In this case, the total interest charged would be Rs. 52.60 which is a total for Rs. 4,000 that lies outstanding for 11 days and Rs. 2,000 that lies outstanding for 18 days until the next payment. This is the reason why those who only pay minimum amount due tend to fall into debt soon sooner. Cardholders should also note that when an amount is outstanding in your statement, the new purchases that you make are not eligible for the interest free period. This is why interest charge is the easiest way how banks make money out of your credit card.

Interchange Fee from the Merchant

When you use your card at a merchant terminal, the merchant also pays a percentage of the amount to the bank as processing fees. This will also be added on to the bank's earnings. It usually ranges between 1 to 3 percent of the transaction value but may differ from merchant to merchant.

How to save yourself from paying too much to the bank?

Savvy customers plan their transactions and payments in a way that they have to pay the least amount to the bank. These are the habits you can adopt to cut your costs-

  • Pay your entire outstanding balance every month; just pay the minimum amount due is not a good practice.
  • Set alerts for your payment due dates to avoid missed payments which entail late fees.
  • Create an emergency fund to replace costlier options like cash advances from credit card.
  • Choose low annual fee or free credit cards and even if you select a card with high annual fee, make sure that the rewards are worth it.

Cleaning Your Home Without Any Use of Chemicals

We have gotten used to relying on a whole range of chemical products for the cleaning of our homes and offices without paying attention to how harmful such substances can be for the health or the environment.Every household actually uses stain removers and all sorts of solvents to get clean clothes, impeccable kitchens and germ-free bathrooms. However, with the development of the environmental awareness, some companies have started producing eco-friendly cleaning products. Most spot and stain removers in the eco-category are now derived from natural resources, with plant or vegetable ingredients in organic solvents.

It is false to absorb that eco-friendly cleaning products can not eliminate resistant stains and stains such as nail polish, wax, ball-point ink, glue, resins or dyes from solid or textile surfaces. If we manage to eliminate such prejudices and actually try some eco-friendly cleaning solution, we may be pleasantly surprised by the results. It is paradoxical how we soil and litter our planet while making efforts to remove the dirt from daily life. Why switch to eco-friendly cleaning? First of all your home will be clean from toxic fumes and chemicals, you will sleep better and enjoy a great sense of well-being.

There will be less health hazards for children and babies who may come in contact with toxic cleaning residues. Nor will there be any more fumes from spray bottles. Poisons should be a no-no in our lives. You can eliminate the hazardousous substances by using household pickup days, and replacing them with safer versions. Eco-friendly cleaning provides a safer environment for your children. Moreover, the fewer chemicals you use, the fewer toxic materials will be evacuated in the waste water stream. If you do not have eco-friendly cleaning products ready-made for a certain task, there are homemade solutions available too.

The Internet abounds with eco-friendly cleaning tips, you just need a bit of time, interest and patience to see how to deal with the issue. Not only the cleaning agents should be changed with eco products, but the cleaning accessories as well. Sponges, mops and rags should be all reusable and natural. A responsible human being living in the 21st century should mind the durability, health and environment impact of the products he / she purchases for home use. This kind of changes will also bring considered savings.