INPUT ARTICLE: Article: Because laws governing debit cards and credit cards are different, you should make this call first and within 48 hours of losing your wallet to protect yourself from fraudulent charges. If you alert your financial institution within 48 hours, you maximum liability is $50; within 60 days, it is $500; after that, your liability is unlimited if someone is using your card. Because your debit card is linked to your checking account, and your checking accounts may be linked to other accounts, expect to receive not only a new debit card / number but also new account numbers. You will also need new paper checks. Keep in mind any automatic payments you may have through your debit card or checking account (phone bill, life insurance premium, etc.). You will need to update the payment information on these when your account number changes. Yes, this is a hassle, but it is better than having your bank accounts drained and then having to jump through hoops to have your funds restored. You don't actually need to cancel them, which would necessitate applying for cards all over again. By reporting them as missing / stolen, you will get new cards with new numbers but be able to retain your current account status. You maximum liability for fraudulent credit card charges is $50, and is $0 if you contact the company before the card is used fraudulently, but it is easier to prevent fraudulent purchases before they happen than work to erase them afterward. Program the customer service numbers for your credit card companies (as well as your banks) in your phone so you can contact them quickly. Don't forget store-issued credit cards as well. No, finding your lost wallet isn't likely to be their first priority, but making a police report is an important way to protect yourself regardless. Filing a report creates an official documentary record of the loss and your recovery efforts. This can prove quite valuable for any insurance claims, fraud liability resolution, identity theft problems, or other issues that might arise. Provide as accurate and detailed an account as possible, with specific time frames and locations. Keep a copy of the report for your records. In the U.S., contacting one of the three major agencies -- Transunion, Equifax, and Experian -- should suffice, since they are required to share this information, but it can't hurt to notify all three directly. A fraud alert will be placed on your accounts, meaning that any attempt to extend further credit will require identity verification. Anything you can do to avoid the mess of cleaning up damage to your credit score caused by fraud is well worth your time and effort. There are pay options for fraud monitoring services, sometimes offered through your credit cards, that can alert you immediately of possible fraudulent activity. No one looks forward to visiting the Bureau of Motor Vehicles, but you shouldn't expect the police to buy your story of a lost wallet (and driver's license) if you are pulled over. Each U.S. state has its own policies and procedures regarding replacing lost or stolen driver's licenses, but expect to have to visit in person and pay a replacement fee. Other ID cards -- school, work, etc. -- will need to be replaced as well. Try to remember as much as you can, and see if you can come up with anything else that needs to be reported or replaced. Don't forget about store discount cards or even a library card. These may seem like small potatoes compared to debit and credit cards, but they may permit access to personal information that you don't want in someone else's hands. Basically, you want to start over from scratch in order to make the contents of your lost wallet as worthless as possible, both financially and in regards to your identity.

SUMMARY: Call your bank(s) and report your debit card(s) as missing. Report your credit cards as missing. File a police report for a lost or stolen wallet. Call the major credit bureaus to protect your credit rating. Replace your lost identity cards. Make a list of everything that was in your wallet.

INPUT ARTICLE: Article: This time around, you should host your own reception and ceremony. While in the past, your parents or close loved ones might have given you financial backing, you'll have to fend for yourselves, for the most part. However, there can be exceptions made if you're having your vow renewals close to your original wedding date and never got to have a party. Most people believe you shouldn't have a gift registry when you renew your vows. The first time around, your guests could have helped you get a new set of dishware, pay for your honeymoon, or just to have some money to start your new lives together. This time, it can be considered tacky to ask your guests for gifts when you're already an established married couple. But again, if your renewal date is close to your wedding date, then you can consider having a registry if you really need one. The same goes for a bridal shower -- since you're already married, this is generally not thought to be appropriate. Many men and women who have a vow renewal close to their wedding date who never got to have a bachelorette party want to have one. However, many people don't consider this a good idea because these parties are supposed to be your "last night out as a single person." Since you're already married, you may have missed the boat for this one. You can still celebrate with a group of your friends, but hold off on the more risque aspects of a traditional bachelor/bachelorette celebration. On a similar note, skip the garter toss and the bouquet toss at your reception since these traditions are heavily associated with the idea of recently ending your time as single people. Instead, consider leading the guests in a variety of fun dances to remove some of the formality.

SUMMARY:
Host your ceremony and reception. Skip the gift registry. Pass on the bachelor and bachelorette party.