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When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257

We've heard about telehealth for people, but now it's there for animals too. According to the American Veterinary Medical Association, there's been a significant increase in telemedicine, and some veterinarians are entirely virtual.The pandemic has proven we can do almost anything from our couches, computers and phones. We've grown accustomed to all things virtual and it seems our pets are used to it too.“It really highlights the value of something like this and it also really highlights where society is living. Even before the pandemic, turned to google, turned to the internet first. It's our first step in almost everything,” says Dr. Sarah Machell.Machell is the lead veterinarian for Vetster, which provides on-demand virtual care for your pet.“Consultations, meeting pet owners in their homes, where they are with their pets, and helping to address urgent and preventive care health conversations to them,” Machell said.She says the company, which launched in October 2019, wasn’t formed because of the pandemic, but they certainly evolved at the right time."The veterinary clinics themselves are feeling a really heavy surge with the pandemic. It’s a pretty crushing situation for them. We already as a profession had some staffing challenges, not enough veterinarians for how many pets and pet owners there are,” Machell said.Pet owners, she says, often have a hard time getting an appointment. Or they have to wait in their cars with their animal outside of their clinic. And, according to Vetster, 50% of pet owners don't even have an established home clinic.“There was a poll recently that showed 37% of American households welcomed a new pet into their home during the pandemic. Pandemic puppies are a real thing,” Machell said.“I think it offers a great addition to the tools I have at my disposal. Telehealth can be used very much the same way,” said Dr. Douglass Kratt, president of the American Veterinary Medical Association. The AVMA serves roughly 96,000 veterinarians across the country. They've been through a lot this year, adjusting to new norms, like all of us. As in human medicine, they've had to perfect, or initiate virtual options.“It doesn’t replace your veterinarian. What it does is help your vet better serve you and your family member,” Kratt said.Kratt admits there are some obvious challenges.“I can’t hear if your dog is coughing, I can’t listen to the heart and lungs via telemedicine so that wouldn’t be amenable,” Kratt said.He says, however, it's effective overall, and especially worthwhile if it's with your established vet. But if you don't have one, Vetster and other businesses like it aim to help.“There are so many pets and pet owners who sometimes sit on things and aren’t sure if they need to go into a clinic, really appreciate that piece of mind in the middle of the night that no, you don’t need to pack yourself up and get into a vet clinic. This is something you’re okay to wait until the morning,” Machell said.And she says they're prepared to help all animals from pocket pets to exotic and large animals. It’s yet another adjustment and another pivot in 2020. 3131

With health experts warning about the possibility of a "twindemic" — a bad flu season combined with COVID-19 — officials are urging everyone to help by getting a flu vaccine this fall.Lisa Rasmussen is not living the retired life that she once dreamed."I became a flu widow at age 55," she said.Four days before their 29th wedding anniversary, Rasmussen's husband Paul died at the age of 57."I had to spend the day of my anniversary in a funeral home making arrangements," she said.That was in April of 2016. Four years later, it's still painful for Lisa. She's still grieving — and she's angry."I think I'm always going to be a bit mad at him because his death was preventable and because he didn't listen to me when I tried to talk him in to getting flu vaccines," Rasmussen said.Today, Rasmussen spends her time traveling and advocating for Families Fighting Flu. The national non-profit is dedicated to increasing vaccination rates and advocating on behalf of families who have lost loved ones to influenza."Maybe it's my revenge — I shouldn't call it revenge — but it's my way of dealing with it: With the anger, frustration and grief that I have," she said. "I just don't want to see what other people to have to go through what I did."Every year on Oct. 4 — her late husband's birthday — Rasmussen gets her flu shot, in his honor.Dr. L.J Tan, the Chief strategy officer for the Immunization Action Coalition, says that most people don't get vaccinated for the flu not because they're against vaccines, but because it's not convenient."The people who adamantly refuse to get the flu vaccine is actually a small percentage for the other people who end up not getting the flu vaccine," Tan said. "A lot of time it's because flu is a vaccine of convenience."The Immunization Action Coalition is the largest private sector non-profit that helps educate and support health care providers about all immunizations, including the flu. Tan joins other experts who are worried about this year's seasonal flu."We don't want flu and we don't want COVID together and there are reasons for that," Tan said. "We have chronic diseases, chronic illness — COVID-19 will have a serious impact on you. We also know that's true of flu. If you're over 60 or 65, COVID has a serious impact on you. We know that's true of flu as well."The flu vaccine covers four strains and will either protect a person entirely or reduce their chances of contracting severe or serious influenza.Some experts believe that the 2020 flu season won't be as severe due to social distancing measures already in place. But that's not a risk Tan is willing to take."Here's the problem: If I pray for that and that outcome happens, everyone is going to tell me, 'Why are you crying chicken little? Why were we all getting vaccinated against the flu?'" Tan said. "I don't know if that's the outcome. Why are we gambling? We have a vaccine that's safe, that's effective."Rasmussen agrees."Save the ventilators for the people who have COVID," she said. 3015

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

While many Americans will sit down and enjoy a traditional turkey dinner on Thanksgiving, some will opt to skip the tradition. Although many, if not most, major chain restaurants will be closed on Thanksgiving, there will be plenty of options for those opting to skip a meal at home. While some restaurants will be offering their standard menu, others will feature a special Thanksgiving Day menu for those just not wanting to cook. Here is a list of major chain restaurants opting to open for Thanksgiving (hours and participation vary):Boston Market: Boston Market fans have two options for Thanksgiving: Participate in the restaurant's Thanksgiving Day menu, or have the restaurant cater a meal at home. To see the full Thanksgiving menu, click here. Buca di Beppo: Like Boston Market, Buca di Beppo is offering diners the option of enjoying a traditional Thanksgiving meal in the restaurant, or by catering. Click here to see the options. Cracker Barrel: Cracker Barrel calls Thanksgiving its "busiest day of the year" as the company said all of its 647 locations will be fully staffed for Thanksgiving. For .99 for adults, and .99 for children, the restaurant is offering its Homestyle Turkey n’ Dressing Meals for in-store guests. The meal comes with gravy, a sampling of sugar cured ham, sweet potato casserole, cranberry relish, choice of a country side, a refillable beverage, buttermilk biscuits or corn muffins and a slice of pumpkin pie for dessertCracker Barrel as is offering its Heat n’ Serve Holiday Family Meals and Homestyle Turkey n’ Dressing Family Meals as a to-go option.Denny's: Most of its locations will have its standard menu available. Among the menu items, Denny's offers a turkey and stuffing meal. Fleming's Prime Steakhouse: For , guests can enjoy a three-course turkey dinner that includes all the traditional fixings. Click here for reservations and details. Golden Corral: Golden Corral will be open with a special Thanksgiving buffet, among other entrees. Prices varies by location. Click here to see the buffet menu. Ruth's Chris Steak House: The steakhouse will have a special 3-course dinner starting at .95 with all of your holiday favorites, including: Oven-roasted turkey breast; sausage and herb stuffing; sweet potato casserole; and pumpkin cheesecake. Reservations are available by clicking here. Ted's Montana Grill: Most Ted's Montana Grill locations will be open, and offering a special Thanksgiving Day menu, featuring a roast turkey feast for . Ted's will also have a select menu of other items, including burgers and steaks. Its menu and a list of participating locations is available here. Waffle House: Almost every Waffle House locations offers hash browns and other classic items 24 hours a day, 365 days a year, including Thanksgiving.  2983