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The proposal was perfect. You’ve told friends and family the exciting news and shared pictures of the sparkly new ring on Instagram. Now it’s time to plan the wedding. Setting a realistic budget is a smart first step.But throwing out a number is one thing; sticking to it is the hard part. According to The Knot’s 2017 Real Weddings Study, 45% of couples who married in 2017 reported spending more than they had planned.“The last thing you want to do is begin your formal life together with a lot of debt because you were under pressure to have a certain type of event that you didn’t want and couldn’t afford,” says Marguerita Cheng, a certified financial planner at Blue Ocean Global Wealth in Gaithersburg, Maryland.It’s important to discuss what you’re comfortable spending and research wedding costs. Here’s how to make a budget you can commit to.Add up your funds 892
The Gulf Coast appears to have dodged a bullet after Marco — once a tropical storm — collapsed into a post-tropical cyclone as it neared the Louisiana coast. But the National Hurricane Center (NHC) warns that the region faces a more substantial threat in Hurricane Laura.Just after 8 a.m. on Tuesday, the NHC reported that Laura had officially strengthened into a Category 1 hurricane, with maximum sustained winds of over 74 mph. As part of the agency's 11 p.m.. ET update, the storm is expected to reach the Louisiana or Texas coast by late Wednesday evening or early Thursday morning. By the time it reaches the coast, the NHC forecasts that the storm could be a Major Category 3 hurricane, with maximum sustained winds of 120 MPH.At 11 p.m. ET on Tuesday, Hurricane Laura had top winds of 90 MPH, and was located 405 miles southeast of Lake Charles, Louisiana. The storm is moving west-northwest at 17 MPH.The storm has already proven to be deadly. Haiti's Civil Protection Agency reports that 21 people were killed as the then tropical storm passed over the nation.A Twitter List by alexhider The NHC said Tuesday that the system could bring life-threatening storm on the Gulf Coast from as far west as San Luis Pass, Texas to as far east as Ocean Springs, Mississippi.The agency also warned that an inland region of the south-central United States could face flash floods and urban floods by the end of the week and into the weekend.A hurricane watch is currently in effect across the Gulf Coast, between Port Bolivar, Texas, to the west of Morgan City, Louisiana. The city of Galveston, Texas has already announced a mandatory evacuation and has ordered anyone within the city to leave and move inland by noon on Tuesday. 1736
The National Rifle Association insisted it did not use foreign funds for election-related purposes, even as the group acknowledged it accepts money from foreign donors, new letters from the group show.The NRA has faced a swirl of questions about whether foreign money could have been funneled through the group and used to boost the Trump campaign. The scrutiny has largely focused on the role of Alexander Torshin, a prominent Russian banker who is close to Putin and has spent years cultivating a relationship with the upper ranks of the NRA.The NRA went all in for Trump in 2016, spending more than million to back his candidacy. That's more than the NRA spent on all of its races combined -- presidential, House and Senate -- in the 2008 and 2012 election cycles, according to the Center for Responsive Politics.There were a number of reports about efforts on Torshin's behalf to connect with Trump's team in 2016, in some instances via the NRA. McClatchy also reported in January that the FBI was investigating whether Torshin used the NRA to illegally provide funds to boost Trump.The NRA has denied any contact from the FBI, but Oregon Sen. Ron Wyden, the top Democrat on the Senate Finance Committee, has been pressing the gun rights group for additional information about its finances."Can you categorically state that your organizations have never, wittingly or unwittingly, received any contributions from individuals or entities acting as conduits for foreign entities or interests?" Wyden asked in a letter in early March.The NRA's secretary and general counsel John Frazer insisted in a mid-March response that the NRA takes pains to ensure money from foreign nationals isn't injected into political spending."While we do receive some contributions from foreign individuals and entities, those contributions are made directly to the NRA for lawful purposes," Frazer wrote. "Our review of our records has found no foreign donations in connection with a United States election, either directly or through a conduit."While it's not illegal for the NRA to accept contributions from foreign donors, the group would run afoul of the law if that money were used for electioneering purposes. The NRA's political action committee, the NRA Political Victory Fund, is required to report its spending to the Federal Election Commission, but the group houses a number of other accounts that aren't bound by such transparency.While their political arm supports candidates and lobbying efforts, the NRA also spends money on other programming, such as security assessments for schools and firearms training for NRA members.In the letter to Wyden, the NRA notes that it's legal for the organization to move money between those accounts in many instances. That makes it all the more difficult to track whether foreign funds could have ultimately been used for a political purpose.In the letter, the NRA's general counsel said from 2015 to 2016 the NRA did not receive any significant contributions from a foreign address or drawn from a foreign financial institution.The NRA did, however, receive donations from US subsidiaries of foreign entities and from US companies with foreign nationals at the helm. "However, none of those entities or individuals is connected with Russia, and none of their contributions were made in connection with US elections," Frazer wrote.The NRA's latest reply, part of an ongoing back-and-forth with Wyden, invited another round of questions from the Senator.Wyden is pressing for additional information about how the NRA spent foreign contributions and whether that money could have been aimed at influencing American audiences. He also requested information on whether any foreign individuals, including Russians, were members of the NRA's elite donor programs. 3833
The Ontario Human Rights Tribunal has ordered a Toronto restaurant to pay a black customer ,000 Canadian dollars for racially discriminating against him and his friends.Emile Wickham was celebrating his 28th birthday with three friends when the group decided to grab a bite at Hong Shing Chinese Restaurant on May 3, 2014.The four were the only black patrons in the restaurant, Wickham said, and they were stunned when the waiter demanded they pay before they were servedWhen the group complained, they were told it was policy, according to?their testimony."I still felt skeptical, so then I approached other tables," Wickham told CNN. No one else he spoke with had been asked to prepay, he said."There was frustration initially. And that frustration turned into a feeling of dejection and sadness," he said. 819
The other shoe has dropped for struggling sneaker company Under Armour.Under Armour reported quarterly sales Tuesday that fell nearly 5% from a year ago, missing forecasts badly. The company also lowered its outlook for the year again.That news sent the company's two classes of stock down more than 15% Tuesday. They had already lost nearly half their value for the year ahead of the earnings report. (Under Armour's UAA shares have voting rights while the UA shares do not.)CEO Kevin Plank said in the earnings release that the biggest problem is lower demand for its shoes and athletic apparel in its home market of the United States.The Baltimore-based company has been growing internationally, with sales surging in Europe, Latin America and Asia during the quarter.But those markets are still relatively tiny for Under Armour. Revenue in North America makes up more than three-quarters of its overall sales -- and those sales plunged 12% in the third quarter.It's a stunning fall from grace for Under Armour, which not that long ago was gaining market share at the expense of Nike and Adidas.The company signed Golden State Warriors star Steph Curry a few years ago, a move that seemed like a slam dunk success, since Curry has gone on to win multiple NBA MVP awards and two championships.But several iterations of the Curry shoes have routinely been mocked on social media for not looking cool. Even Curry's teammate Kevin Durant, who endorses Nike, poked fun at Under Armour earlier this year.Making matters worse, there have been reports of supply chain issues with the new Curry 4 line of sneakers. And Under Armour confirmed during its conference call with analysts Tuesday that it will delay some products to the fourth quarter.Under Armour also suffered from bad PR earlier this year after Plank agreed to join the White House's now defunct manufacturing council. Plank said in an interview with CNBC that "a pro-business president is something that is a real asset for the country."Curry told The Mercury News that he agreed with Plank -- but only "if you remove the 'et' from asset." Other professional athletes have been vocal about their disagreements with Trump as well.As such, Plank -- like many other CEOs -- has distanced himself from Trump lately.After Trump was reluctant to criticize neo-Nazis at a white supremacist rally, he then bashed Curry for not wanting to visit the White House and attacked athletes who protested the national anthem. Under Armour has come to the defense of its star endorsers.But that hasn't been enough to rejuvenate Under Armour's flagging sales or stock price.Meanwhile, Adidas has thrived in the past year while Under Armour and Nike have both struggled. Even Skechers has enjoyed a resurgence lately.So what can Under Armour do to get back on track? Neil Saunders, managing director of the research firm GlobalData Retail, wrote in a report that the company should continue to focus on expanding globally, which has been successful for Under Armour.But Saunders added that the company has to do more to court women as consumers, as Nike, Adidas and yoga apparel king Lululemon have successfully done."Under Armour is not so broken that it cannot be fixed. But the days of glory, when it would post double-digit uplifts in sales, are over. Now is the time to work out, slim down, and become more competitive," Saunders wrote. 3394