Yellow Gold is So Last Year – Men's White Gold Rings Are All the Rage

White gold is produced when gold is alloyed with white metals like nickel or palladium. The purity of gold is measured in karats like the normal gold. The characteristics of white gold depend on the proportions of the metals used and their properties. When yellow gold is alloyed with nickel, the resulting white gold acquires the properties of nickel which is strong and hard. It is mostly used to make pins and rings. And when the yellow gold is alloyed with palladium then the resulting gold acquires the properties of palladium which is pliable and soft making it a better choice for setting gemstones.

Gold is used widely in making jewelry and ornaments ranging from rings, bracelets, chains etc. The men’s white gold rings are very rare and come in traditional designs. Most of the men’s rings are designed in yellow gold. But with good design and trendy models to white gold rings have picked up popularity. They are usually used in engagements and weddings. They are also available in combination’s with various birthstones. The yellow gold rings may be impressive but the rings have now come out to simplicity, sleekness and elegance. With broad and heavy designs and sturdy gems the rings are no longer a fashion for women but men too.

One must however be very careful in selecting the gems for the white gold rings, be it for women or if you are trying to buy the men’s white gold rings. The gems should match with the color and give a strong and contrasting look. Black, blue sapphires and green gemstones are the most demanded gemstones on white gold. The rings range from various models like flat wedding bands, sleeve rings, solitaire rings, trinity rings, cluster rings, eternity rings etc. an eternity ring usually symbolizes eternity with a partner, a promise ring is usually worn to remind oneself of the promises one has made, the engagement rings are worn to indicate that the person is engaged, a class ring is usually worn by the graduates of a class, a mothers ring is worn by mothers with the birthstone of each of her child. In this way the ring models come with huge significance and varieties.

The men’s gold rings are the preferred choice by women as the best gifts for their men. They could be gifted on valentines day, fathers day, graduation day, engagement day, marriage etc. but one must consider the style preference of the men being gifted. The ring that you like may not be liked by the man you selected for. So you must make note of the mans style and lifestyle. If a simple man is gifted a very stylish ring then it would not look much like a perfect gift. It is always wise that you see the simplicity and fashion tastes of the men. Gold reflects great simplicity and at the same time a contemporary style too.

How to Choose Your Rose Gold Watch?

Rose gold is one of the most beautiful choices for jewelry. It is also known as Russian gold, although this term has become somewhat rare. It not only inherits the luxury feature of gold but also displays something much more fascinating for the eyes. It is not as flashy as gold. But it looks still nice and classy. At present, Russian gold timepieces are very popular. If you are shopping for nice Russian gold timepieces, the information below may be helpful.

Decide the Color of Your Watch

The first thing you should take into consideration is the color of the watch, namely, how rosy you hope your timepieces will be. People create Russian gold by combining gold and copper together. Therefore it has a reddish look. The different amount of copper in the gold decides the level of the color. Russian gold has 3 levels of color – pink gold, rose gold and red gold.

Other Colors for Your Watch

When you have decided the level of color, you can choose other colors you like. For example, timepieces for men are usually black watches or gold watches which only have touches of Russian gold since pink gold is not suitable for men’s watches. A black watch strap with a watch face of rose gold and black is a good option for men. However, women’s rose gold timepieces can be entirely made of rose gold. Or they may be made of silver and rose gold in the design. What’s more, don’t forget to choose a right watch band such as metal, leather or ceramic.

The style of Your Watch

Russian gold watches have a lot of styles such as classic, traditional, romantic, effeminate, modern, strong and futuristic. The most important thing is that you must choose the style according to the occasions in which you want to wear your watch. Don’t forget to think about other additional features such as sapphire and diamond.

What’s Your Budget?

Rose gold timepieces are available at different prices. Some cheap watches are priced less than $100 while some expensive ones are priced at more than $10000 each. Do you want to buy a luxury watch for some formal occasions? Do you need one to wear daily? No matter for what occasion or for whom you are shopping, you must decide your budget before you begin to shop in order to find your ideal watch efficiently.

What’s Your Ideal Brand?

Some people don’t care much about the brand of the timepieces. But there are still many people who only buy watches of designer brands like Omega. These people believe that designer brands are symbol of quality and status. Do you care about the brand? If you do, make sure that there is a balance between your budget and your desire.

The functions of Your Watch

After you have decided the brand, style and budget, you must think about the functions of your Russian gold watch. For instance, some watches are shock-resistant and solar-powered. If you are interested in these functions, you may want to have a look at that watch.

In a word, before you make your decision to buy your Russian gold timepiece, you must take style, functions and cost into consideration. Hope the information (stated above) will be helpful for you.

Personal Style – Born or Learned?

Recently, I read a piece of news about David Beckham on VOGUE. In the article, Beckham admitted that he remembers some of his previous fashion choices with a sense of trepidation. Although Beckham mentioned that he does not have any regrets, he can’t believed that he had actually chosen to wear certain apparels before.

I believed many of us can relate well to Beckham’s past experiences with his fashion choices. Looking back at old photographs, we may wonder to ourselves, “What were we thinking?”

The above illustration is a good indication that one’s personal style is capable of evolving over time. Such changes can be affected by many factors such as fashion trends as portrayed in the media, peer influences, personal creativity and even one’s occupation. So if you feel that you are stuck in a style rut because you are born without any sense of style, think again.

Take for example you are indeed “born” with a poor sense of style. Such a situation can readily be solved if you make the effort to upgrade your knowledge in this arena. One way to do so is to be very open with experimenting with different apparels and finding out what you look good and feel comfortable with. If you cannot trust your own opinion, go shopping with friends and family who are interested in fashion or engage a Style Coach/Personal Shopper to give you professional advice on what fits you best in relation to your body shape and lifestyle needs. Draw inspiration from people (e.g. celebrities) whose fashion style you admire. Learn to visualize (i.e. see in your mind’s eyes) how you want to look for an event or occasion and works toward achieving it. This is very much like how many of us work towards achieving the look we wanted for a school prom when we were still in school. It will also help to take some time to assess your wardrobe and pull out items that are out of date or which you never wear anymore due to factors such as lifestyle changes and age. Replace these items with apparel and accessories that are compatible with your current situations.

Always remember and have faith that achieving a great personal style is not an not achievable feat. Help in this area is always just around the corner if you are truly committed to finding your path to looking good and feeling great. Many a times, it is your willingness to change, strong determination and enthusiasm which will decides whether you can successfully create a great style which you can call your own.

Fashion Styles For Tall Women

There are many different types of tall women, long legged, long bodied, slim, hourglass; and it’s important to work out what your specific shape is – if you don’t already know. Often tall women get labelled as one particular category, which can be frustrating and very confusing when it comes to creating a wardrobe.

Keep these simple rules in mind:
– create layers to help balance your figure, for example, if you have a smaller bust, adding ruffle details and higher necklines will keep you in proportion, or if you have an undefined waist pop on a layered high waisted skirt and a belt to cinch you in and mimic curves
– long bodies require shorter top lines and higher waist lines, long legs need longer top lines and lower waist lines; so if you have a longer body than legs, invest in 50s style dresses and styles, but longer legs can layer long tops over jeans for a trendy day look
– the larger your bones, the bigger your jewellery; look at pictures of yourself in different kinds of jewellery, dainty and chunky, and decide which makes you look more in proportion, as well as which makes you look more like ‘you’
– tall women are really the only ones who can pull off couture looks and extraordinary shapes – oversized clothing looks awesome on taller ladies, as do short haircuts, bold stripe prints, printed tights, rompers/playsuits

Not only should you take your shape into consideration, but you ought to develop your own individual clothing style and taste – whether that’s a slightly androgynous, boyish look or a super sexy Amazonian style.

Essential items for any tall woman’s wardrobe:
– skinny, straight leg or slim boot cut jeans – a good fitting pair of jeans is a casual day staple, you can pair them with anything, and inject your own style personality when choosing them too
– well fitted jacket or coat – one of the secrets of the stars is a good fitting coat, no matter what shape
– waist belt – this is essential for helping define your shape, and adding curves to a tall frame
– scarves – any kind of scarves will do, but for those with a small chest, this is the best accessory to own for quickly adding a touch of glamour and making you look in proportion
– dresses – any girls best friend is a beautiful dress, but tall girls require several of these in their wardrobes to help them look feminine and flirty – there are several style which look great, try on all sorts to find one that really looks great on your particular body, halter, t shirt, oversized, fitted, bodycon, maxi, a-line, princess cut…
– flats – pretty and comfortable ballerinas are the most important addition to your closet, as they will be perfect for everyday wear and will go with anything if you have them in a few different colors.

Check out photos of these female celebrities over 5’10” for inspiration and ideas:
Blake Lively, Sophie Dahl, Nicole Kidman, Liv Tyler, Jodie Kidd, Elle Macpherson, Mandy Moore, Cameron Diaz, Rihanna, Queen Latifah, Elizabeth Jagger, Joss Stone, Claudia Schiffer, Christy Turlington, Famke Janssen, Taylor Swift, Uma Thurman, Geena Davis, Eleanor Roosevelt, Julia Child, Princess Diana, Erin O’Connor

Physical Beauty or Glamour, Fashion, Style and Elegance?

Beauty, it is often said, is in the eye of the beholder. Although every person has his or her definition of what beauty really is, in general it is considered as all the pleasing and favorable physical characteristics that can be seen in an individual. You can be ugly to one person and beautiful to the next; in any case, we define physical beauty by how we see it. And as always, beauty often leads to attraction and it greatly helps in the development of relationships both romantic and otherwise.

However, for those who think or consider themselves to be lacking in physical beauty, it usually leads to a lack of self-esteem and sense of style. Because of this seeming deficiency, they often lack glamour and they usually lag behind in fashion trends. But physical beauty can be enhanced by fashion and style, and people who consider themselves to be ugly can assume a sort of glamour that can be had by not following them.
More often than not, it takes a high level of self-confidence for a person to form his or her opinion about physical beauty. There are those who believe that beauty is beauty and there is no other substitute for it, others would see beauty in an ugly person because they see characteristics that are unique or special in that person. Fashion and style by themselves should not be means to an end, instead, they can be dispensed of and you can still be beautiful all the same.

Also, it is possible to be beautiful regardless of a lack of glamour, fashion, and style. Prevailing misconceptions and biases notwithstanding, an ugly person should believe that he or she is beautiful in his or her own special way. Beauty should not be defined by these three attributes; instead, they should be integral to how the person views himself or herself.

As stated above, you can be ugly and yet still be beautiful in your own special way. Ugliness lends to a sense of uniqueness and charm that can only come when it is viewed in a positive way. You can be fat and because of this, you see yourself to be lacking in glamour and style because elegant and stylish persons tend to be seen as fashionably thin. But that does not mean that you cannot indulge in the latest fashion trends and emerge as being fashionably fat. You may have bulging eyes, a comely face, and a generally homely aura, but if you have a pleasant personality and enough self-confidence, you are still able to make friends and partners. It all boils down to how you view yourself; you can establish your own sense of style and assume a certain level of fashion that will help you go by.

Whatever other people say, you are who you are and that alone should make up for all of your physical shortcomings. You and you alone must realize that glamour, fashion, and style are not necessarily needed if you see yourself as beautiful.

A New Kind of Fashion – Style Your Electronic Device With Amazing Skins

Now a days fashion doesn’t stop at your wristwatch or bracelets, but can be carried through to your electronics as well. Cell phone and laptop skins/covers have the ability to provide more than just a protective seal to help preserve your electronic device, but can also be an extension of your personal style. A large percentage of people are stuck to their electronic devices, whether it is their smart phone or laptop, you have probably heard someone who forgot it at home say they feel naked without it. So not unlike you would with an outfit, why not personalize this electronic appendage and use it as an outlet of self-expression and style.

There are thousands of different cover colors, sizes designs and textures to choose from; including jewelled, leather, bulky, slim, graphic labels and more. The options don’t end there though! If you can’t find a covering or case that truly expresses your fashion sense, you can choose to enhance your device with a custom designed covering. Certain companies now offer the choice to custom create a cover for your electronic device at a comparative price. Your electronic device doesn’t have to look dull and generic, but now can reflect you’re individual fashion sense.

If you are like one of the many members of society who uses your electronic device for everything from an alarm clock to map to communication tool it is important that you cover it in something that is aesthetically pleasant and makes you feel good inside. Whether it is a cute puppy dog face, your company logo, jewels, a country flag or an intricate design it is important for you enjoy looking at and handling your device. These skins can also be used for business purposes i.e for branding.

Don’t be afraid to change it up as well. Ideally your phone or laptop will have a long life and provide you with the means of connection and knowledge for many years. Having the same piece of electronic equipment for such a long time can get old, but with fresh skins and covers you can keep it exciting. It is important to provide your phone or laptop with the protection it needs, but you don’t need to compromise style and fashion for phone safety. Generally you should enjoy your appearance as a whole, so there is no reason not to dress up your practical digital accessories that is always with you by your side as well.

Defining Your Personal Style

You may be wondering what exactly “personal style” means. Although the term extends far beyond clothes, we are referring to it in the context of fashion. Personal style is an artistic expression of yourself and your personality through appearance.

Each of us is unique. We have our own opinions, ideas and thoughts. That’s why finding your personal fashion style is important to create that distinctive look.

Creating your own personal style is one way to show people who are you, it’s like building your own brand. The clothes you wear say a lot about your personality. You want to create a look that is true about you to attract the people and attention that you want. Trends go in and out but your own personal style is something that defies the latest fad and endures over time.

Here are some tips to help you define your personal style:

Although everyone has personal style, not everyone knows how to express it. Think of the ideal you. Combine your taste, lifestyle, interest, desires, inspirations, aspiration and history together.

Next, try thinking of some words that you would use to describe yourself to someone who doesn’t know you or think of how you would like others to describe you. For instance, are you Conservative? Outgoing? Direct? Romantic? I call these your “style words.”

For instance, if you are especially romantic, you will probably find yourself drawn to ultra-feminine, tailored blouses and other items that have delicate lace, beading and handwork.

Now, take a look at your clothes. Do they match your personality or your “style words”? If so, you have defined your personal style. If not, you might need to go through the next step. Go through magazines such as Elle, InStyle, Marie Clare, Lucky, Harper’s Bazaar and even department store catalogs. Circle clothes and outfits that appeal to you. Now, using your words from above, determine if the clothes you like match those words or your personality. Go to the store, try on clothes that you think align with your personality. You will slowly begin to see how to make clothing choices that fit who you are.

By simply knowing what works for you will make your “what to wear” morning decision fun and easy. It will increase your feelings of confidence as you show the world who you really are. Having your own personal style allows you to set the trends among your friends. Being fashionable allows you to exude confidence and “own” whatever makes you look and feel your best.

Remember to have fun personalizing your unique look. Don’t be afraid to experiment a little and to be creative.

Every woman deserves to look Fashionable, Confident and Stylish. Are you ready to be “The Stylish You”?

Fashion Style and Rules – Dos and Don'ts

Where do fashion rules come from? Is there a fashion board that decides what we should and should not wear, or what ‘goes together’ and what looks bad? Not hardly. The rules and lists we read to guide our fashion choices are produced by fashion columnists and editors as part of the business of selling magazines and drawing an online readership. Take this into account when making your choices, and consider the rules more like guidelines than absolutes.

In fact, to be truly fashionable you should be breaking the rules occasionally. An overly fussy and cautious approach to fashion makes you look like a follower rather than an innovator. Instead, try breaking some of the rules below to add some twist to your style.

Your colors should not clash: What a limiting belief! People often think that there are colors that you should wear together and colors that “clash” and should never be combined. This narrows your choices considerably. Instead, why not indulge in unusual combinations from time to time?

Stay away from the extreme end of clashing; there are colors that do look horrible together. But, colors that don’t seem to naturally ‘go together’ can be visually stunning when worn in combination. Most fashionable dressers play with combinations that stop just short of horribly clashing.

Save bright jewelry for nighttime: This rule doesn’t make sense, if you think about it. Most jewelry isn’t harmed by sunlight. Why set aside some for strictly nighttime use?

Have fun with some of your brighter pieces by wearing them during the day on occasion.

Play up eyes or lips, but not both: Many women believe that you can wear striking eye makeup but then need to have a neutral lip, or if you wear a colored lipstick you should be very light with the eye makeup. But there is no reason for this caution.

Choose colors from the same color family – you don’t want a cool-toned lip and a warm-toned eye or the face will feel disjointed. Then, apply with a slightly lighter hand than you would if you were only playing up one or the other. You’ll be surprised with how flattering the results can be.

Fashion Style Tips For Women – How to Pick the Perfect Figure Flattering Dress For Your Figure

Luckily for us and our wardrobes, the faithful frock’s made a dramatic comeback. It’s no wonder we’ve loved dresses for so long and with good reason; this style staple is so flattering whatever your shape. Just think how fabulous curvy Marilyn Monroe or slender Audrey Hepburn looked in theirs. Whichever way you look at it, the dress has bags of pizzazz and is used by many women on the Continent in Spain, France, Germany or Portugal to create an effortless style statement. So why not steal a few top tips from Europe’s most stylish women on how to wear them?

Inch Losing Dresses Delivered to Your Door

What dress you choose really depends on your height and shape and with the right choice you could save inches outwards as well as adding inches upwards. So, where to start? If you’re slightly fuller in the bust like many British and German women you should probably steer clear of high neck dresses, instead, try going for a deep v-neck to balance out your heavier top half and lengthen your legs. Equally, for a rounded figure or apple shape, a dress with a pleated waist will help skim over lumps and bumps and give the illusion of a smoother, lither body. If you have a slender Mediterranean figure like the French and Spanish and crave curves, a great dress can help you you can say au revoir to the ironing board chest; try wild animal prints to give the clever illusion of a waist and with a great belt your bust will look bigger too. If a heavy bottom half weighs you down, disguise thighs with a classic wrap dress, just make sure there’s enough fabric to glide over the top part of your legs and bottom to flatter your fabulous form.

How to Accessories Dresses

Finally, dressing up your dress with seasonal or fashionable accessories really can make the difference between a fashion faux pas and a show stopping entrance. So ladies, think like your stylish European neighbors, play with on trend colors and always, always team with fantastic footwear like the Portuguese, a cute bag and if you’re an ex-pat in Europe, you know by now, that no stylish outfit is complete without those essential oversized sunglasses for instant Riviera style glamour.

Recreating Vintage Fashion Styles

Vintage clothing is all the rage having gone from being a quirky trend to mainstream fashion. The celebs are doing it and so the masses have turned to it too.

To do the vintage look right you’ve got to have the makeup to match the clothes. If you don’t pay attention to what works on the makeup side of things, you could end up looking like a vintage disaster. Take a look at this guide to see how to successfully pull-off the complete vintage look.

Vintage Fashion Has Gone Mainstream

The world of fashion has fallen in love with the vintage look all over again. Models strut in exotic and elaborate vintage designs and designers are doing their best to create the old-fashioned feel by designing vintage clothes and accessories.

Vintage fashion does not stop there. Even makeup is getting the vintage makeover. Every decade has its own makeup trends and vintage fashion is now incorporating the appropriate trend to get the perfect look.

Retro glamour is the coolest thing now and celebrities like Adele and Dita Von Teese have popularized old-fashioned makeup and vintage trends for the masses.

It All Began In The 1920s

Makeup became a popular phenomenon in the 1920s. This era was characterized by the Flapper style, featuring a pale look contrasted by bright red lips. This vintage trend was punctuated with kohl eye-shadow and mascara for the dark eyes.

The 1920s was also the age of glorious rebellion. Models wore scandalously short hemlines rising to the knees in Boardwalk Empire shows. Women began showing off not just their legs, but their arms and hips also. Do not be stingy with the lipstick and eye-shadow when trying to recreate the vintage fashion look of the 1920s.

1930s – The Sophisticated Look Is In

The 30s saw makeup becoming more sophisticated and refined. Bow-shaped lips went out of fashion and focusing on the upper lip became the next vintage trend. The upper eyelashes received generous quantities of eye-shadow while the lower ones were left untouched. Pencil-thin eyebrows made sure that the heavy and made up look of the 20s was replaced by something more elegant.

The simple and sophisticated look dominated Hollywood, symbolized by the glamorous long gowns that helped enhance the overall elegant and sensual feel of vintage fashion in the 30s.

1940s – Functional Styling

Not surprisingly, vintage fashion in the 1940s was dominated by the military look. Dark foundation makeup and strong eyebrows were in vogue. Light red with a hint of orange was preferred for the lips.

1950s Vintage Fashion Gets A Makeover

The 50s saw Grace Kelly and Audrey Hepburn give way to Parisian couture trends dominated by designers like Jacques Fath, Balenciaga and Dior.

Post war, the feminine look was back in fashion and pink dominated the vintage makeup trends. Lips were given a voluptuous look with rouge and pastel colors applied with a lip liner to extend the natural border of the mouth.

How To Approach Vintage Fashion

If you are thinking of replicating vintage fashion trends, then make sure you choose your decade carefully.

The secret to making a success of any fashion style is to make sure you are comfortable with how you look, especially when venturing to new territory. Don’t be afraid to try new styles like the vintage look, but be sure that you still feel good. Any lack in confidence about your appearance will convey itself in your demeanour and is sure to result in failure.

Enhance Your Fashion Style With Wonderful Fashion Accessories

Though it may be overstated that one could lose the glamour without wearing fashion accessories, it is true that they can indeed add a touch of sparkling attraction to one’s personality and personal style. Only with the proper fashion pieces can one’s outfit be completed perfectly. Thus, it is extremely important to wear the right accessories in an appropriate way.

Usually, fashion accessories consist of various beautiful pieces, such as shoes, handbags, belts, rings, necklaces, bracelets, earrings, pendants and many others. Women will never stop their craze about these gorgeous accessories, especially jewelry, shoes, and handbags. Faced with so many fantastic options, one should always keep in mind that a wise fashion enthusiast will only buy the most suitable items rather than bring all the trendy shoes, handbags, jewelries at home which turn out to be inappropriate at all.

In order to choose the most ideal accessories, one should know well about how they can work well with different types of clothes and accentuate the outfit. However, this doesn’t mean that you need to buy all kinds of accessories to match each of your dresses. On the contrary, the real fantastic pieces are rather versatile and can be paired with almost all kinds of apparel.

Different people have different preference and tastes, hence, fashion designers will constantly release numerous new collections of fashion accessories every season. Women who are not quite sure about their own style can pay attention to the fashion reports on the newest trends and what the celebrities and fashion icons wear, from which they can find inspirations.

Christmas Gifts Of 2017 For Women: Jewelry

Tips And Tricks For Getting The Most Out Of Your Jewelry

School teaches you about science and math and social issues, but you rarely learn about anything else in today’s school system. That’s why most people need little articles like these that are full of tips to help them out for any particular topic. In this instance, we’ll go over some great tips you can use related to jewelry.

Rich and vibrant turquoise is one of the most popular stones available. It is one of the most popular gemstones for the month of December and is often thought to invite feelings of love, good luck, and happiness. This particular gemstone is also the traditional gifting stone to celebrate the 11th wedding anniversary.

Pearl jewelry is a wonderful and versatile addition to a wardrobe. Pearls can often be accented with sparkling stones, used as an accent on a metal chain, or be shaped in interesting ways- the classical white strand of perfect spheres is certainly not the only way to wear them. Try a pearl necklace with diamond separators!

Do not purchase any jewelry from retailers in China. This country is notorious for selling fake gemstone and metal jewelry. Oftentimes, the jewelry advertised as sterling silver with real turquoise is just a piece of metal sprayed in silver and the turquoise is a fake piece of plastic. Such vendors may accept returns, but the hassle of shipping it back at your own cost, is usually not worth it. Be aware of scams like this.

To open a jump link when making chain jewelry, hold the jump link steady with pliers your left hand, and grip the opposite side of the opening with pliers in your right. Gently twist your hands towards each other. This twisting action helps the jump ring maintain its circular shape without distortion, which will occur if you try to push the sides together without twisting.

When shopping for jewelry, keep in mind the “cost per use” factor. If you will only wear those gorgeous, diamond earrings a handful of times, calculate how much money you are paying for each time you wear them. Pieces that you wear daily — like your wedding ring — are worth spending more money on, because your cost per use will be lower, and they will see more wear and tear.

Christmas

If you are shopping for seasonal brooches, try to buy them out of the season. By buying Christmas presents, valentine’s day brooches or Easter brooches out of the season, you can usually save a lot of money and acquire a quality piece of jewelry. So, if you are looking for a Christmas tree brooch or a snowman brooch, try to buy it in July. The best Christmas gifts of 2017 will definitely be jewelry

If you are in the market for a piece of jewelry you can realize significant savings by waiting for the right time of year to buy. Christmas and Valentine’s day are especially busy times of the year for jewelers, and they may be less likely to negotiate during these times of year.

Gifts

One thoughtful way to increase the impact of jewelry given as gifts is to coordinate jewelry given over time. A series of gifts, each of which matches previous pieces given, shows thoughtfulness and taste that is sure to be appreciated by the recipient. Building a matching set of jewelry through multiple gifts demonstrates a commitment to the relationship between giver and receiver.

If you are showering a woman with gifts on a regular basis, make sure that the jewelry items you are giving her are spaced out. If you fail to leave enough room in between each jewelry gift, she may get used to it and expect jewelry on a regular basis.

Jewelry is often very difficult to purchase for a friend or loved one because there are as many different styles and types of jewelry as there are people to wear it. Bracelets are a great solution for many and are available in a huge variety of styles made for the most fancy occasions to casual every-day wear. Plain silver and gold bangles are a staple for most women, but charm or sliding-bead style bracelets offer the buyer and the wearer the ability to completely customize the bracelet, as well as give the presenter a whole host of additional gifts to give in the future with the purchase of more charms or beads.

Jewelry is one of the best gifts to give to someone you care about. When purchasing jewelry as a gift, you should consider the person’s interests and lifestyle. For example, if they enjoy sports and the outdoors they may prefer more basic pieces. Think about what they enjoy doing, this should provide a good starting point when you are ready to purchase the jewelry.

When making or gifting jewelry, make each piece even more meaningful by selecting stones, beads, and colors that communicate different emotions. Green gems like jade and emeralds represent growth and vitality, which makes them ideal gifts for expectant mothers, newlyweds, or perhaps friends who are especially active in Eco-friendly lifestyles and initiatives.

Give the gift of relationship-appropriate jewelry. Jewelry gifts have a lot of potential for being misunderstood, so take stock of your relationship’s status and give jewelry that works for where the two of you are, not where you would like your relationship to be. Always check on the return policy and keep your receipt.

One of the biggest reasons that you need some great jewelry tips is that gold and jewels are items worth a lot of money. You need to protect your investment, and it doesn’t matter whether you’re buying, selling or storing your pieces of jewelry. Apply these tips and take care of your jewelry.

How to Find Good Wholesale Fashion Styles and Designs to Sell

If you are looking to start a business that will surely usher you a good amount of profit for yourself, you may need to start your own local clothing store.

If you are running a retail shop is not quite easy as you think it is, you have to start collecting the different styles, colors and designs of the latest trendy clothes of your choice from the wholesaler shop or store.

You also have to look for the latest fashionable clothing from their website that is in vogue. This will give you the option to choose from the style and design you prefer to buy from. Another option is that you can also contact different wholesale suppliers through the online site and choose the dresses of your choice.

There are some entrepreneur who fear that when they invest money on fashion clothing, that, they won’t be able to get the money they invested back. However, this may not be the reason why you should not be conscious of where to get most of the great deals.

That is why you should try wholesale clothing because in wholesale clothing that is where to get a great discount deal that allows you to have the best deal at an affordable price.

If you want to be able to succeed, There are lots of things you have to put into consideration first. When you are into selling wholesale fashion cloths, it’s important to look for a supplier that can be able to offers good reliable deals.

The wholesale clothing have great advantage that enable you to have the best variety of cloths and good designs at lower prices.

Some times you can be the most fashionable person, at the same time looking into your budget and staying within your budget.

Another great feature of you shopping from this wholesaler is that you can easily look through their website for good design clothes and different styles.

Ribbons, Trimmings and Fashion Accessories – Building Your Own Fashion Style

Have you ever wanted to get an effortless, sophisticated and chic look while avoiding the high sheer lace, chiffon or light fabric’s price tags?
Classy grown-up and sophisticated garment accessories trimmings can easily fit in with your personal style and persona when they are trims and accessories that have been choosing for the fashionable comfort and the self-assurance that they can provide.

The fashion industry always gives us envy to embrace fashion. Its weapon is celebrity’s red carpet, model cat walks or fashion weeks in fashionable European capitals all well talked about in fashion magazines…

If you are convinced that fashion accessories and haberdashery will make you noticed and set of that gossip and admiration murmurs then you would probably love to know where to get the chance to build up your own fashion style.

This interesting thing is that no matter where you are buying your outfit, embellishment ribbons and haberdashery chiffon can always help you blend the subtitles of tone in your wardrobe. You just need to mix and match them with an appropriate sense of what’s in vogue, style and elegance.

We all know that sometimes, it’s difficult to divert our attention from things, especially when its fashion related, that made us truly envious. This magnetic experience usually happens in the street when we are watching people or reading fashion magazines or even when reading about celebrities fashion gossip.

Hopefully, there are many ways to dress, feel and look as fashionable and confident wearing as if we sere wearing those same outfits that make us so jealous… and at an appropriate price tag! Fashion is about self-confidence. They are no other recipe for that.

Your fashion conscious people might want to be personal and creative while wearing your Cocktail dress at summer parties. Look glamorous, sensual and truly sensational, and of course feel every glance around you.

This is a history repeating itself: fabrics, trimmings, accessories, etc. are made to keep things very intense and interesting in world of fashion.
So get to know what to wear this summer; try and experience the best ways of embellishing at a non extortionate price tag.

Latest Fashion News: Style Watch, Steal That Style!

Many celebrities launch one of kind fashion styles! We are here to introduce to you the latest fashion news and ideas, some amazing styles, and ways you can get them to look stylish and fashionably elegant, just like a celebrity!

The clothes you wear reflect the mood you are in and the one you want to project. They represent the person you want to be even if sometimes, you feel very different from that image!

Stop feeling that you are not fashionable! Stop feeling that your clothes are not into style! Instead enjoy every second of fashion because now you can be in style like any of the celebrities you want or you like!

  • Adopt an all-white look, and rock simplicity with straight hair! You can try styling an A line skirt with a white top, it can be a cute style.
  • Go all Stefani mode and adopt a red suit! Add some style to it by adopting a crop top under the suit’s blazer!
  • Go classy with shorts, and adopt high wasted shorts with a white classic shirt and a nice pair of high heels shoes.
  • Adopt skinny jeans with a white shirt, and guess what? A cute and colorful oversized blazer! It will give you a cute style and edgy look.
  • Be unique by adopting flare pants and reviving the sixties, adopt these pants with a nice crop top and maybe a nice retro hairstyle for long and short hair.
  • Adopt the 90s fashion style in any way you hear desires. The chokers are back and this time they are looking amazing! You can adopt any type of choker necklace you want, whether a plain piece of ribbon, or a tattoo like choker, with all the black details. And for the edgy style lovers, you can pick a rock studded choker, or what we also call, spiked choker necklace. Or you can go for plaids as they have never been more in style than they are now! It’s over every piece of clothing for women and men. This fashion trend or style is somewhat universal as anyone who adopts it falls in love with it! Adopt scrunchies in your hairstyle design, as they will add volume in the Tina Turner technique.

What will your fashion identity be from now on?

Wonderful Christmas Gifts for Women – Jewelries

The most exciting moment that everybody looks forward to about Christmas is gift-giving time. It is also an important time for people to express their love and care to their friends and family by exchanging gifts. For women, if they receive jewelries from their friends or family on Christmas Day, they will feel rather delighted and appreciate the gift givers’ care very much. Here are some reasons why jewelries are wonderful Christmas gifts for women.

Diamonds or other valuable natural stones can carry values for a long time with proper maintenance. Women would like to treat them as a symbol of eternal love. If on Christmas day, the most important holiday of a year, you received such valuable jewelries from your lover, you could believe in his firm love to you.

Jewelries are wonderful fashion accessories which can go well with a lot of different outfit and, at the same, can add charm and elegance to women. For some important events, such as an evening party, ceremony or social gathering, sparkling jewelries can look noble and mature. People can also tell your personality and social status from what you wear.

For the gift givers, they will feel satisfied when the lady would appreciate and cherish the gift. As for the receivers, they will feel proud when they show off the jewelries and get envious feedback. For both of them, what they will treasure forever is their love to each other.

Any kind of jewelries including earrings, necklaces, bracelets, and rings can be your ideal options. Or you can directly buy a jewelry box which contains all these adorable pieces. No matter what kind of jewelries you finally decide to buy, she will appreciate your love very much.

Basic Wardrobe Planning is Easier If You Know Your Fashion Style – 3 Benefits & 8 Fashion Archetypes

Basic wardrobe planning may be more cohesive if you figure out your fashion style type. Some types of fashion, offered with the over-50 woman in mind, are:

  • arty or bohemian
  • sophisticated
  • sporty
  • suburban
  • professional
  • simply elegant (or elegant simplicity)
  • trendy or trend-setter.
  • romantic or sexy.

I call these fashion styles fashion archetypes, because they embody deeper needs and behaviors of our personalities. Expressing one of the types of fashion is a way of becoming the star of our own lives.

As we age, we may have to reassess our fashion style: The suburban mom takes a job and needs a professional wardrobe; the lawyer retires from her professional career and takes up her dream of landscape painting. The suits have to go.

Here are three advantages of basic wardrobe planning around a type of fashion that suits your personality and lifestyle:

  • Efficiency shopping and pulling an outfit together, even on the fly.

 

    If you decide your fashion style is sporty, you’re less likely to splurge on that emerald green, ruffled jabot blouse that you will only wear once a year. After all, it hardly goes with the khaki and charcoal cotton slacks that are the core of your comfortable daily uniform.

  • Spending limited wardrobe budgets on what will give us the most use. Basic wardrobe planning involves figuring out what types of fashion we most need. It makes sense to add a black skirt to our professional wardrobe when we understand we’ve got 18 tops and three jackets to team with it. Shopping for an item we might have spurned as too ordinary becomes a fashion triumph.
  • Feeling well-dressed and comfortable on every occasion. The best fashion advice for women is to decide what feels good and looks good on you. Your personal fashion style emerges from that. What looks and feels good changes over time. Periodic reassessment is essential.

Here’s a summary of eight fashion archetypes.

ARTY/BOHEMIAN

The arty look is colorful, quirky, sometimes ethnic, and always fearless. Natural fabrics are preferred. A snowy white poet’s shirt, an embroidered jacket that goes from work to art gallery reception, and a luxurious handbag are suggestions for the bohemian wardrobe.

SOPHISTICATED

The corporate executive wife and the charity fund-raiser are some typical lifestyle choices of women who express their inner creativity with sophisticated fashions. Wardrobe suggestions are a Chanel suit, a silk dress, gold cloche earrings and a diamond pendant necklace.

SPORTY

This fashion style is tailored. A blazer jacket is a must. It can be worn with a variety of durable, washable cotton pants, such as khaki, a good choice for the active, outdoorsy woman. Sweaters and sweater sets work well. A silk T-shirt adds sophistication. Avoid fussy prints and ruffles.

SUBURBAN

Suburban fashion goes from town to country with ease. She visits a corporate office in tailored slacks, a fuchsia shirt, an elegantly tailored long jacket, and pumps appropriate for lunch at a chic restaurant. Then she’s off to a soccer game. The pumps are replaced by rubber-soled loafers, the jacket with a sweater. Pick garments for their versatility.

PROFESSIONAL

The professional fashion archetype loves suits – pantsuits for every day, skirt suits for court, a tuxedo suit for formal occasions, and a tailored dress when a skirt is a must. Choose suits and tops so you can mix-and-match for maximum versatility. Add an embroidered vest for pizzazz.

SIMPLY ELEGANT

If you’ve asked yourself What Would Jackie [Kennedy Onassis] Do?(book by Shelley Branch and Sue Callaway) Or What Would Audrey [Hepburn] Do? (by Pamela Keough), this is your fashion archetype. Stock your closet with solid colors and garments with simple lines such as the A-line, princess, and cheongsam dresses. Shop at designer consignment shops to achieve this look on a budget.

TRENDY/TREND-SETTER

The older woman who adopts the latest fashion trends may end up looking as if she is desperately clinging to her passing youth. For best effect, add fashion trends to classic costumes. For example, an outrageous jacket, with lots of bling and some feather accents, might be worn with simple black or white beneath. Experiment. Every fashion mistake can be changed tomorrow.

ROMANTIC

Flirty grows up after 50 or risks appearing as if life has passed her by. Ruffles, but not frills; clinging fabrics that hug curves without being skintight; and decollete that knows when to quit are hallmarks of the romantic fashion archetype. Strive for glamor and sensuality using texture and a bit of bling.

In summary, knowing and expressing your fashion archetype starts with identifying the fashion styles that fit your lifestyle and personality. Buy clothes that look and feel just right. Basic wardrobe planning is a snap when we build our clothes collection with our personal type of fashion in mind.

Stores Where You Can Find Your Jewelry Watches

Jewelry watches represent commitment, love and thoughtfulness. It might take a while to find the perfect look within your price range, but in the end, you’ll be glad you selected this no-fail gift. Jewelers are more than happy to help you select the perfect item, while providing you with warranties and repair information before you buy.

While you may find good deals online, there are several stores that will guarantee the authenticity of their jewelry watches and provide you with an optimal service plan.

Jewelry watches come in all shapes, sizes, colors, bands, jewels, metals and price ranges. It’s best to begin shopping with a game plan. Have an idea what you want to spend and which brands you like. Generally, the sales associates are more than happy to help you find the perfect gift.

The benefit of going with a retailer instead of shopping online is that you can guarantee authenticity of your product because you don’t want to end up purchasing a fake Rolex. You can also get a better warranty with accessible customer service and you don’t have to pay for shipping.

There are some brands that specialize in reasonably priced jewelry watches. For example, Seiko, Fossil, and Guess offer some elegant choices in the $100 or less range. Macy’s Department Store shoppers can often find them on sale, priced down by as much as $100!

Also, they frequently run sales that include a bonus gift, such as a diamond accent pendant for only $49 with your watch purchase. The great thing about Macy’s is that their warranties are amazing!

For instance, you could buy a women’s Fossil bracelet watch with a sparkling Swarvoski crystal and stainless steel band, a diamond marker and Mother of Perl inlay for $57 and you’ll receive an 11 year warranty! In the next price bracket, Kay’s and Zales Jewelers has a really nice selection of Seiko, Citizen and Bulova men’s jewelry watches with diamond accents for under $200.

For the big spenders, Tiffany and Company has become a symbol of high taste. When women see the box, they know something extraordinary is inside. Starting at $1,000 and going all the way up to $54,000 for an 18-karat white gold and diamond piece, these ones are designed to impress. Zales carries men’s and women’s Movado watches in the $2,000 – $5,000 range.

If you’re looking for the extreme in high-end ones, you will have to visit New York City or Toronto to find an authorized Rolex dealer in North America. Of course, Omega, Tag Heuer, Gucci and Breitling watches may be easier to find at your local jeweler with some styles available in the low thousands.

Online browsing is a great way to figure out what you’re looking for prior to going into a store and meandering around. Get an idea of jewelry watches styles, brands and price ranges you prefer. Then watch your loved one’s eyes light up at the thoughtfulness you’ve displayed!

Fashion Tips For Men Over 40

When you hit age 40, there is a good chance you will feel like you have a fulfilling and secure lifestyle. You feel secure about your career, your family, and even your style. Your unique sense of fashion may not be as secure as you think though. Over the past 20 years or so, styles have changed constantly, but you believe you have chosen a timeless and classic style to wear. However, even though the suits, chinos, and patterns you wore five years ago might have rocked, do they still work today?

Tips For Men’s Fashion

Finding the right sense of fashion after all these years can be difficult. Here are a few tips you should consider when you are trying to figure out if your style is right for today’s society.

  • Avoid the Fads – You have most likely seen ‘the best’ styles changes constantly from year to year. Even in today’s world, there are fashion marketing campaigns, urging you to dress a certain way. Don’t fall for these ploys. By the time you are 40, your style should be timeless, not set in time. Most fads are aimed at certain age demographics, so many of them may not even work well for your age group. For instance, you would probably not look great wearing light up sneakers and a pair of skinny jeans with holes in the knees, even if every magazine is telling you that is what is in style.
  • Business vs Style – Even though your crisp dress shirt, silk tie, and two piece navy blue herringbone suit is the epitome of fashion in the workplace, it may not be the best option for fun after hours and on the weekends. Don’t confuse the two. Instead of strutting through a club or nice restaurant in your suit, choose a nice pair of chinos and a blazer.
  • Let the Past Go – While it may be tempting to celebrate when old fashions come back in style, don’t be fooled into pulling out your old wardrobe from the back of the closet. Chances are, these fashions are not exactly what they used to be. They typically have been updated to make them more contemporary and stylish.
  • Simplify It – One of the best fashion tips for men over 40 is keeping your wardrobe simple. Gone are the days of being flamboyant. Leave that style for men in their 20s and 30s. Your style should now be timeless, subdued, and sophisticated. Keep a clean and simple appearance as well. Your clothes should also be crisp and impeccable.
  • Be Proud Of You – If you really want to look great during your 40s, be proud of your age and your looks. Don’t try to stay in your 20s and adopt that generation’s style. Wearing age-appropriate fitted clothing and keeping yourself well-groomed is the best way to show off your masculine sophistication and your extraordinary sense of style.

Styles come and go, so it is best not to fall for every new fad that comes along. Whether you are wearing a nice pair of chinos or a savvy suit, you can maintain your own fashionable style, age gracefully, and remain timeless.

Bohemian Fashion – How to Look Like One Hot Boho-Chic Fashionista

Bohemian fashion is all about expressing yourself with a free-flowing sense of mind, combining garment styles from vintage, hippies, gypsies and exotic cultures.

This is where many women do wrong style-wise. Let me explain…

It’s a pretty casual outfit style which many women tend to over exaggerate, resulting in looking like a homeless street beggar. They either put on too many layers that their body size can’t handle or simply combine clothes in a way that says that they have absolutely no sense of fineness! It simply dampens the whole hotness of bohemian fashion.

The newest and fetching bohemian fashion style is simpler and not least, modern. Take a look at these 5 tips on how to achieve a boho yet chic look:

Layer It
Combine different garments on top of each other, starting with a basic tee, cardigan or sweater that is short enough to see the tee, jewelry and a scarf on top. The trick to staying stylish with many layers is to mix both fitted and loose pieces in one to balance out the look. Another note is to avoid piling on too many large and long layers. Basically, if it drags down your frame or draws attention away from your face then you know that there’s something wrong with your layering.

Inject Your Personality
Bohemian fashion is about wearing vintage and exotic garments but at the same time combine those with pieces that are YOU. Avoid dressing like a hippie or gypsy from top to toe. It’ll only look like a funny costume and people won’t take you seriously. By adding a little bit of personality you’ll look modern and chic! Blend boho fashion with your own signature style.

For example if you like classy garments then pair your paisley print tunic top with pearls and black pumps. Or if you have a little bit of diva in you just like Nicole Richie, then it doesn’t hurt combining luxurious-looking accessories such as heaps of gold and diamonds, or maybe a glamorous designer bag.

Use Earthy and Rich Colors
The bohemian fashion color palette is earthy, rich and rustic. Examples are: khaki green, off-white/cream, black, brown, deep purple, teal, mustard yellow, terracotta, tomato red, and metals such as gold and silver.

Bring Back The Past
The bohemian fashion concept revolves around wearing something unique. Vintage clothing and accessories are perfect examples of what unique fashion is. So I suggest that you implement “grandma” elements into your outfit with for example a floral scarf, lace details or perhaps a distressed-looking leather bag.

Explore our global community
The thing about boho fashion is that it’s very rich and expressive, so that’s why exotic details complement the look. Examples are: handweaved scarf from Peru, enameled cuff bracelets from India, paisley prints, etc.

Those 5 points are guaranteed to make you into a hot bohonista! So what do you think about the tricks to achieving a bohemian fashion style?

Top 3 Reasons to Use a Travel Agent

Why should I use a travel agent to book my trip instead of booking it myself on the internet? This is a question I had to answer recently for a potential client with whom I was speaking to for the first time. As a travel professional, I get this type of question a lot.

In this article I will reveal to you how I answered this question and how you can benefit from using the services of a professional travel agent versus booking your own travel online using a travel search engine.

1. Save time.

Sure you can spend hours, days, even months researching destinations and going from website to website in order to plan your own travel itinerary, but why would you want to do that? Time is a precious commodity that we can never get back. While you are spending all this time doing research and going from website to website to see if you can get a better deal, you could have more easily picked up the phone to have a travel agent do this research for you.

Professional travel agents are trained to do this because it’s their job. A travel professional can do all the research, coordinate all the logistics, and put together a complete itinerary for your trip in a fraction of the time you can do it for yourself.

2. Use the agent’s knowledge and resources.

Travel agents are trained travel professionals. It’s their job to know the ins and outs of popular travel destinations. Although there is a ton of information on the internet readily available to the public, travel professionals have first-hand knowledge of many or most of the destinations you may choose to visit.

Secondly, travel professionals often have resources to inventory, special offers, and discounts available only to travel professionals to offer their clients. By using an agent, you’ll be able to take advantage of these resources.

3. The travel agent advocates for you should something go wrong on your trip.

Let’s say you have booked a flight and hotel online on one of the highly-advertised travel sites. Bingo! You’re all set. Or are you?

You check your confirmation and realize that you booked the wrong date. So you call customer service and you wait and wait; then finally you get a customer service representative who then tells you that there’s a fee to change your reservation. Okay so you pay the fee, after all you don’t have much of a choice.

The day comes for you to catch your flight. You get to your destination, but your luggage does not. The airline has lost one of your bags. So you’re stuck again with a problem, and call customer service again. You get to your hotel to rest from your long day, and find that your hotel room isn’t ready. Here you go again.

Now I’m not implying that a travel agent could have prevented all of this, but as a member of the travel industry, travel agents have special relationships with travel vendors. A complaint call or letter from a travel agent is more likely to get an expedited response than a letter from you, because of the agent’s relationship with the travel vendor.

I know what you’re thinking. You think that you’ll pay more to use a travel agent. It’s an incorrect assumption to think that using the services of a travel agent will be more expensive than booking your own travel online. Although some agents charge a service, the benefits of using a professional travel agent far outweigh the risks of not using an agent.

Accessories to Match Your Fashion Personality

Discovering which style not only goes with your personality, but also with your fashion sense is difficult for many women. Unless you are really confident in yourself or majored in fashion, choosing colors, clothing pieces, and accessories to complement you is a daunting task. Here are some ideas to help you in your pursuit of fashion.

First, what colors do you normally wear? Almost every woman has colors she naturally gravitates towards, whether it is slimming, classic black or neon lime. Knowing which colors you often wear can help you determine which colors you should choose for accessories and where you could branch out. There are four basic fashion types. You might be wholly one style or a mixture. That is part of the beauty of fashion; there really are no wrong answers.

Do you like pastels, pink, tangerine, baby blue, ivory, and cream? Then you are probably a romantic style. Nichole Kidman is one notable celebrity whose fashion sense is very romantic. Romantic personalities like hearts, lace, sparkles, and anything traditionally associated as “girly”. To add more romantic accessories to your closet, focus on simple gold pieces such as lockets, delicate scarves, lace gloves, and ruffled bags.

For those who prefer natural colors such as greens, browns, gray, beige, and similar shades, Meg Ryan is your inspiration. Casual and comfortable, this is called the natural style. Jewelry with stones or beads will probably be most appealing to you, and simple, practical handbags like a messenger bag will be your best friend. If you want to be more “adventurous” with your style, look for bags in colors such as squash mustard which will still match your color scheme while allowing you to look daring.

Audrey Hepburn’s style can only be called classic. Ageless pearls, structured black bags, and timeless red lips are all characteristics of a classic fashion style. If you fall into this category your closet will likely consist of timeless basic pieces in navy, gray, black, white, cream, and red.

Many women fall into the category of the brighter the better. Wild, bright colors, prints, and a willingness to try almost anything is typical of a bold style. Jennifer Lopez and Lady Gaga are two very different examples of this style. Purple and metallic accessories are perfect for you if your style falls into this category. Large is also part of your fashion statement. Big earrings, pendants, chunky bracelets, and oversized handbags are a great way to express your energy and enthusiasm for life.

2017's Trends In Home Furniture

Trends in furniture are always fluid and changing just like most other home decor trends. Each year, new and recycled designs, patterns, hues, and visual combinations are declared as the season’s hottest trends in home decor and interior design. Because of this fact, home staging is also impacted by recent trends in home decor as potential buyers are possibly looking for familiar elements or arrangements that they expect to see in contemporary homes.

While home staging is geared towards depersonalizing the house and making it as neutral as possible for as many possible clients as possible, it does benefit from the integration of current home furniture trends. A staged property that features intelligently-selected furniture items that reflect popular trends in home design will be able to go head-to-head with other listings that are also staged for contemporary home buyers. This is more of a priority for homes in general areas that younger residents are flocking to, or in urban, professional districts where apartments or condominiums are the usual types of dwellings.

The following furniture trends are making waves in 2017:

Creative patterns and designs in couches and chairs. For sofa couches and living room chairs, prints and designs have become quite popular once more, especially if set in white backgrounds such as walls. You can throw in some solid-colored accent chairs with a sofa set with design patterns to create a visual contrast.

Beds equipped with storage spaces. Modern bed designs combined with drawer boxes or under-bed storage spaces are trending again, with a great number of home buyers choosing to downsize from larger homes or opting for practical options.

Antique and handcrafted furniture combined with modern arrangements. Many contemporary home furniture designers and experts are experimenting with the meshing of old and new furniture pieces. Antique furniture pieces or handcrafted artsy items from different countries are now considered as popular accent or functional additions to furniture arrangements.

Consumers are staying away from big and overpriced furniture. Consumers are choosing to be practical and look for furniture pieces that are smaller but cost-efficient, particularly furniture that are functional without taking up too much space or costing an arm and a leg.

White is in style. White is back, especially as background color or for furniture finish. They are simple to arrange and combine with other colors of furniture items, and makes the area bright and airy.

People need home offices. Workplace trends are also shifting, making it more usual for people to work part-time or full-time from their residences. Desks, chairs, and workstations that combine function and comfort are particularly attractive to today’s homeowners.

Make a Statement With Stylish Home Furniture

Your home furniture plays a vital role in making your style statement. Decorating a perfect house starts with selecting good furniture. So if your first choice is not perfect, then the end result might not be as fulfilling as you want. If you want the furniture to have class and durability, then investing in stylish home furniture would be the best choice.

What you choose to furnish your home is a reflection of your personal taste. This makes it important for you to first be clear on how you want to decorate your home, what kind of furniture you want to buy and how you want to go about it. Furniture is available in different varieties for all kind of rooms. Be it for the living room, dining room, kitchen, bedroom or even the patio, furniture of different sizes are needed most of your basic needs. Whatever type of furniture you decide to purchase; it should emphasize the character and style of your house.

Stylish home furniture comes in various designs, size, shape, structure and materials such as wood and metal. Though wood furniture is generally accepted as the best, metal furniture can also be a good substitute if the budget is low. A living room is an area where you host most of your parties and entertain guest, thus a lot of attention should be given there. As first impression is the last one consider the kind of sofas, coffee tables, TV stands and cabinets, end tables and other decorative accessories very carefully. They should not only be attractive but comfortable but most importantly go well with each other and also be careful not to overcrowd the living room.

The dining area is another important corner of your house which the guests are likely to visit. The furniture for this area in particular should ooze elegance. The dining table set should not only be visually attractive but also comfortable. Many homes have their dining room and kitchen combined. In that case you will have to make sure that the kitchen and the dining area have a common theme. All the miscellaneous, serving tables and the dining table should fit in such a way that it allows you easy movement around the place.

The bedroom is for your personal space. It should be designed in such a way that you can shed the entire day’s tiredness in a minute and relax in peace. Especially your bed! As soon as you fall on it you should be able to experience heaven. That’s the reason why people spend heavily for luxurious beds because there is nothing better than a good night’s sleep. Apart from the bed your room also needs armories, dressers, night tables and some more storage furniture.

If you have kids around then you’ll have an additional room to be taken care of. Kid’s room furniture comes in attractive designs and styles. Apart from the indoors if you have a beautiful patio then get the chance to work with material like wicker and metal. Decorate it with benches, plant stands, love seats, coffee tables and anything which fits in well with the outdoor theme.

So now that you have many reasons to accentuate your house’s beauty from within and outside, bring home stylish modern furniture and enjoy all the extra attention.

What Travel Agents Need to Know About Corporate Travel Today

This is rightly named as the age of traveler centrality and with the evolution of the new era of personalized travel; it is leading to research and development of a host of new so-called intelligent services. The command-and-control perspectives of traveling have changed a lot from the past and the focus has shifted more on the traveler and the productivity of each trip. It has become essential to maintain that the travelers have the greatest return on investment on each trip. New generations of young employees and managers, who have been growing up and dwelling in a digital age, are moving up the ranks as travelers. It has become essential to recognize the need for greater flexibility acknowledging that the employees who travel on corporate trips also consider a percentage of their trip to be a leisure outlet. With increasing globalization and rise in companies sending their staff overseas to network and connect with their offshore prospects/customers/suppliers, corporate travel is a highly profitable tourism segment. Before we talk about how tourism companies can better cater to business travelers, let us first look at why they prefer to use specialized corporate agencies over traditional agents

Why do businesses use Corporate Travel Agencies?

This might be the most basic question for a travel agency as to why they need to use agencies specializing in corporate travel when there are plenty of regular travel agents in the market. Here is the importance of corporate travel agencies who have online systems which allow business travelers access to their complete itinerary.

The following information is at the fingertips of the CTAs:-

  • full business itinerary details
  • up-to-date tracking details of flights (including delays or rescheduling)
  • transparent details about additional costs such as baggage fees or in-flight fees
  • travel alerts, if any, in the destined area
  • complete and up-to-date details about the visa procurement policies and identification required
  • currency requirement and conversion rates

What do corporate clients expect from Corporate Travel Agencies?

Negotiated Fares

The Corporate Agencies tend to have tie-ups with hotels, car rentals, flights etc. giving them access to lower fares which can be used only by the frequent business travelers. Discounted prices are not the only advantage though as they also offer flight upgrades, room upgrades, and VIP check-in lines as required.

In-depth information about the travel industry

Corporate travel agents have access to many travel resources and most importantly, quickly, than any other leisure travel agent. Additional information helps to make the business trips convenient and comfortable.

Changes in Itinerary

When an airline ticket needs to get rescheduled or cancelled, chances are the airline or the online service provider will charge lofty fees. When booking with a corporate travel agent, most of the times schedule changes can be done at zero or minimal extra charges.

Viable emergency contacts

It is important for the business travelers to reach the correct person at the need of trouble. Corporate travel agents have the experience and professionalism to relieve stress for both the traveler and the company.

What you need to consider as corporate travel increases?

Business Travel Barometer reported that corporate travel is witnessing an accelerated growth. However, when poorly managed, it may be no longer an advantage to companies and may, in fact become a burden. There are some factors which the corporations and CTAs must consider to get the best out of the time spent traveling.

Adopting a travel policy

The corporate must define a travel policy which is applicable to and respected by travelers at all levels. This policy should be used to establish the standards which will help to track the improvement of business travel. It will eventually help to reduce the costs of the entire package.

Do not limit the traveler’s autonomy

The management is responsible for budgeting the travel policy which helps to improve cost management however, it is also essential to give a degree of autonomy to the traveler. The policy should be flexible enough to allow the employee to adapt the trip as per the situation.

Traveler’s security should be a major concern

Business travelers need to have security in place. The company needs to stick to its definition of standards to ensure the employee’s integrity. The CTAs should have reliable partners (travel insurance, airlines, hotel chains etc.).

Mobility and automation

To optimize time and ease the processes, the administration of management platforms should have automated processes. This means they should adopt mobile solutions where search options, travel alerts, ticket reservations etc. can be accessed quickly, easily and on the go.

Corporate Travel Trends in 2016

Corporate travel trends tend to change regularly. 2016 has also not been any different and the travel management companies (TMCs) and corporate travel agencies (CTAs) are quite focused to provide steady if not strong axis all over. A growing MICE sector, investments in mobile and big data and enhanced focus on duty of care are some of their areas of focus.

Rising prices

The consolidated buzzword among global suppliers, airfares, hotel rates etc. is the rising fares. It is sometimes the move of the suppliers to generate discounts which encourage travel if there is a strong decline in demand. A positive 2016 world economy has been bringing an increase in air fares of a few percentage points, hotels are expected to see 4%-6% rise in average global rates and the competition will remain moderate in the car rental services.

Duty of care

Risk management is one of the major points of emphasis for corporations. Corporate customers are allowing new policies and improved technologies to monitor employees’ location in case of an emergency, especially when they are traveling to foreign destinations. For instance, Concur Risk Messaging helps to identify the travelers moving around in the world and alerts them with alternate travel arrangement as and when needed.

Focusing on MICE

Meetings industry is a major growing sector and the corporate travel trend is developing on it. The corporate travel agencies should better start aligning the various meeting procurement methodologies with its transient travel sourcing. One of the ways could be to broaden the variety of meeting services by incorporating incentive trips within it.

Investing in technology

A sharper focus on increasing value and becoming more traveler centrist can be done by bringing in mobile friendly technologies. Mobile and big data are definitely the two most significant technological investments which any corporate travel agency must focus to make their platform more appealing.

Business travel analysis after Brexit

Following Brexit, ACTE and CAPA shared their speculations. According to them, the greatest short-term effects on the travel industry will come from the weakening of the pound against other world currencies. Greeley Koch, executive director for the Association of Corporate Travel Executives said that the business travel industry will trend on currency fluctuations; with some companies taking advantage of the weaker pound and traveling more, while others may withhold business travel until world markets find their own level.

Impact of terrorism on corporate travelers

Travel policy makers and administrators need to be guided by rising terrorism scare. For executives and staff undertaking travel on behalf of businesses, the travel agents and corporate travel agencies (CTAs) should prove the reassurance for their safety through the travel policies. It is more than likely that the surveys conducted over corporate travelers reflect the general concern of the global business travelers about the spate of terrorism. However, there is no denying the fact that terrorist threat is changing the patterns of business travel. The key impact of this is to keep in mind that the companies providing travel services for business travelers need to enhance their focus on security and the associated risks in delivering the services to corporate clients. According to a recent finding, travel managers have higher estimation of their policy’s effectiveness in addressing risk compared to skeptical business travelers.

Concluding

Although the corporate travel sector has continued to progress, there are a plethora of challenges faced by the industry. A rapidly changing consumer market, the emergence of new business models, the impact of technology, man-made and natural crises are some of the fulcrum points that need to be considered before planning corporate trips.

How to Maintain Your Gold Watch

If properly maintained, the appealing luster and tone of gold can endure the test of time and last forever. Gold neither goes out of fashion nor style. With the years, jewelers are going after gold for their designs and jewelry. The buyers and designers too have a never ending hunger for gold jewelry. It is simple understanding that gold is the softest metal and can easily tarnish, but it kept properly, it lasts an eternity. Due to this property, there has been an increased demand for gold watches.

To enhance on the durability of your gold watch, other metals are mixed during watch making. The metals used include silver and copper. You can still get a pure gold watch but at a higher price. The buoyancy of a gold watch is determined using its karat value, which ranges from 10 karats to 24 karats. The pure gold watches are superior when compared to watch made from other metals. Pure gold diamond watches are much more valuable as they constitute diamond and gold, which creates an explosive look.

To prevent your gold watch from getting dented or scratched, you must exercise some essential and special precautions. You must remember not to keep your watch against any other gem or ornament. The friction between the two will most likely result in a nicks and scratches. These watches are susceptible to scratching as they are usually put on over the wrist. Diamonds will deal any watches a bad one if kept together, this is because diamonds are very hard and often have sharp edges as a result of cutting. You should therefore find it of essence to store your watch separately, preferably in a cushioned pouch. You also should avoid instances that may lead to scratches, if a situation proves to be rough enough, you can take out your watch and carry it in your pocket instead.

There is nothing as harmful to watches as chemicals. To ensure your watch lasts a lifetime, make sure you keep it as far as possible from any chemicals. Chlorine in particular can quickly eat away on the structure of gold. It is therefore important to take out your watch when going for swimming or to hot tubs. Remove your watch before going for shower to avoid the soap residue, which contains a large amount of chlorine, from contacting your gold watch.

Cheap Loans – How To Reduce What They Cost You

With the rising commodity prices throughout the globe, everyone needs some kind of legal financing when they purchase something big like a home or a car. There are all kinds of financing options available in the UK. Only getting a loan that helps you meet your financial needs is not enough. You also need to save considerable amount of money on your loans so that you can repay them in simple affordable monthly payments. Getting a cheap and affordable loan in accordance with your financial affordability is not as simple as it may seem. Have a look at the ways in which you can easily secure loans at a cheap rate.

  • Make a comprehensive market research: Comparison shopping is the most important step that can help you save a lump sum amount of money. If you’re in the market for credit of any kind, stay sure that there will be hundreds of companies that are waiting for selling their financial products to you. Therefore, you need to take a step after considering the rates and charges offered by all lending companies. If you’re taking out a home loan or a debt consolidation loan, you need to make sure that you compare the services offered by various companies.
  • Check your credit rating: Today’s lending industry is entirely based on your credit score. As your credit report reflects your financial history, the lenders always check the score before lending you a new line of credit. A person with a good credits core will certainly secure a better rate than a person who has a poor credit score. Therefore, if you want to obtain loans at a cheap rate, make sure you repair your credit before applying for a loan. Order a free copy of your credit report and dispute all errors and negative listings so that you can boost your credit score.
  • Take the loan out for a short term: When taking a loan out it is important that you first calculate the monthly amount that you can afford to repay each month.  If you are armed with this information you are then able to reduce the term of the loan until the repayments meet what you can afford. Taking a loan out for a shorter term will make quite a big difference in the amount of interest that you are charged.
  • Look for bad credit lenders: If you have exhausted all the above mentioned options and have no other option left to secure a cheap loan for yourself, you can look for a bad credit lender. Bad credit lenders usually lend loans to people with bad credit and therefore they will give you a loan at a low rate. If you want to get a cheap loan, go and apply to a bad credit lender.

The entire process of getting cheap loans will become fuss-free if you follow the points mentioned above. Gain peace of mind while getting your loan so that you need not worry about the monthly loan obligations and lead a life free of financial burden.

Travel Insurance – How To Get The Best Value Travel Insurance

If you are an occasional traveler you’ll probably buy your insurance from the travel agent. But if you travel more than twice a year, it is much more cost effective to have one insurance lasting all year round, than buying one every time you travel.

Think ahead, plan ahead. Annual travel insurance easily pays for itself with just a couple of trips. But not all insurances are worth the same and as always cheapest is not necessarily the best. More on this later.

Annual travel insurance is not compulsory but it gives you the peace of mind case of illness and loss or damage to property and many other events. Where is the best place to buy annual travel insurance?

1. Your bank is probably the first place you’ll try. Banks have in recent times become highly competitive and in order to retain your business, may offer better rates. For example my bank has upgraded my checking account to a premium account and for that I pay $20 per month.

As a result I get several privileges including free, worldwide, comprehensive travel insurance. But here is the best part … I get all this free travel insurance not just for myself but also for any member of my family traveling with me including my parents and siblings.

I said free because I am already getting other benefits which are worth a lot more than $20 per month if I were to buy them individually. I also save a lot of time as I never have to look around for insurance. So don’t ignore your bank.

2. Credit card companies also offer similar insurances, with some added advantages. In case of theft or loss of your credit card, they will supply you with an emergency one, often within a few hours.

In addition to travel insurance offers, there is another advantage in checking your credit card company’s terms. If you book your travel using your credit card, pretty much all card companies give excellent cover against many of the things that can go wrong.

Some credit card companies also have specialist travel departments which not only give you travel discounts but also give you even better protection, i.e. better travel insurance and at a much lower cost. But note that all insurance offers exclude you making a claims, for the same item, to multiple sources even if you do have multiple insurance cover.

For example, let’s say you have bought travel insurance separately and you have bought your travel ticket using your credit card. If your luggage is lost, you can almost certainly make a claim to either of the two sources but not to both at the same time.

The reason is that the insurance companies have suffered massive fraud in recent years. Allowing multiple claims simply encourages fraudsters to have multiple insurances and make multiple false claims.

For example, they can take an already damaged suitcase on a long journey knowing that it will fall apart. They can then claim damage and loss of property from multiple insurers.

3. Insurance companies are a popular and obvious source for annual travel insurance. If you drive a car or have home insurance get a quote from your insurance company. Remember, because you are already a customer, your car insurance often entitles you to a very good discount.

Here’s a tip: if they don’t give you a competitive insurance, tell them that you will be looking else where for a good package. Let them know you will be looking for a package that includes great home insurance, excellent travel insurance and also good car insurance.

Listen, fear of loss WILL make them bend over backwards for you and if they don’t? Here’s another tip: When you talk to any other source to get your competitive travel insurance, make sure you mention your other assets that you could be insuring with them, such as your car, home, home contents, etc.

This won’t work with travel companies but works absolutely beautifully with most insurance companies. I have done it many times and saved myself thousands of dollars, yes thousands, over the last few years.

The insurance industry is massively competitive. For once, this works in favor of the “little guy” (you and me), so let’s use it.

4. Certain types of home insurance may also give annual travel cover. Do look into pretty much any insurance cover you have. Some home insurance policies include some forms of travel cover including loss or damage to your property while away from home.

Tip: even if you live with your parents, ask them to check their policy for you. You will be amazed to see that even “your” property is covered while away from home.

Just one word of caution: do not assume what is covered or the level cover. If you are not sure just ask the insurer. If the cover they describe seems even better than what you expected based on the policy document, then do ask them to put their clarification in writing.

Why? When any major loss occurs, the insurer will send a local expert to assess the damage. These guys are called loss adjuster. Their job is to save money for the insurance company. And I tell you from bitter personal experience, they take no prisoners.

They will screw you down to the ground, if you don’t get things in clear black and white writing. Just do it. It takes minutes to request clarification in writing but can save you thousands of dollars when you have one of these mean loss adjusters arguing with you over the policy.

5. You can also buy last minute travel insurance from travel agents and airlines at the airport. Expect to be taken advantage of, heavily! Needless to say, this is one of your most expensive options. Just avoid ending up with this option, see to your insurance long before you need to travel.

Now here’s the thing. Travel insurance policies are not all identical. As well as considering price, you absolutely must read the terms and conditions carefully. For example, the upper age limit of some insurance companies may vary.

Some companies may limit the number of annual trips, whilst others may have no limit at all. Look, most travel insurance policies cover a range of events and claims. But as they say, the devil is in the detail.

The problem you will definitely face with some really cheap policies from unknown and possibly disreputable companies is what they put in the fine print. You know what I’m talking about? … all those tiny little statements they put on the back of the form? Or if you are buying insurance online (and you should), notice all those pages of really small text they ask you to agree to?

Well, that’s where they bury lots of little conditions and limitations. Most people don’t read all the terms. Do yourself a huge favor and on this occasion, do read it all. If the insurance policy terms are full of “weasel words” or complex language, just move on and do not buy.

All insurance companies are quick to point out how many millions you can claim in “total”, in case of a serious accident. But they all limit the amount per item within your claim. So claims for loss of cash will be capped and so will claims for electronic devices, clothes, etc.

This means that with the cheaper policies you will have a really low limit. For example, if you claim for a mobile phone and an MP3 player, you may find that the limit on personal electronics is not enough to even pay for “one” of those devices, let alone both. Don’t wait for an unfortunate event to show you the flaws in a dirt cheap policy. That is the worst time to find out and it is a time when you need the most help.

What must all policies cover?

1. Loss or damage to property and cash

2. Flight delays or cancellation

3. Accidents

4. Sickness

5. Your expenses when an event occurs

6. Your potential liability to other people

7. Legal services

In comparison to your total costs, annual travel insurance is only a very small item. If you are covered for any eventuality, you’ll have less to worry about, which will translate to more relaxation and enjoyment.

Have Fun and Enhance Your Skills With the Latest Games

Fun is necessary for every human being on this earth. This is a must, because without fun a person feels tedious which might affect him badly on his work. To get the dose of relaxation or in order to finish the boredom or to pass the spare time and for many other things we seek refuge of this option. People get involved in various activities to accomplish this purpose. Some play sports, other play small games while some other get engaged in other activities.

But, as the technology has become advanced, there are some more modes of fun which have been recently introduced. Some of the most prominent among them are the video and computer games. These frolics on one side become an excellent source of fun and on the other hand they create a lot of excitement in the minds of the people. Video games are actually played by connecting the gaming devices into the television sets. Computer games are basically played in the computer with the help of a keyboard, mouse and joystick etc.

A lot of eagerness can be witnessed among the people who always remain eager to know about the latest games. Two types of computer frolics are famous nowadays – online and offline. Online games are played on Internet whereas offline ones are stored in the hard disk of the computer. In the later case, you won’t require the connection of the World Wide Web. The Online ones are available on many websites. Most of the sites and portals offer them free of cost whereas some of them charge a little extra charge for them. You would just require the flash software on your home PC which too is available of some websites of World Wide Web totally free of cost.

Some of the latest games are Conflict, Toy Warz, Slam Day, Lord of War Chapter 2, Formula 1 Champion. These frolics are based on different themes and are made for the people of all types of interests. On the surface, these themes can be categorized as adventure, fighting, castle, car or bike racing, etc. If we go in detailed classification, then many more sub-categories can be made. For instance, conflict games which are a type of fighting frolics. War of toys, in which the fight between different toys are displayed and many others. Many of these are liked mainly by children.

Some of these frolics are available for download on many websites. You can download them without paying any extra charge. Whereas, a few of these provide them after charging a little extra amount. You can download immediately by paying them via credit or debit card online. On the contrary, some of these gaming activities are also available online which can be played any time at ease.

Definitely, these frolics have proved to be a boon in the area of fun activities. With the support of these activities people can enjoy and relax even while sitting at home in front of the computer. Moreover, they have proved to be very helpful in increasing the concentration and exercising the brain of the players. That’s why, these days parents like them too. Many of the latest games are specially meant for education purposes. For example, you can see several games which help the students to enhance their typing skills. Hopefully, in near future we shall find some more like these which we can not imagine as yet.

How a Home Equity Loan Refinance Can Save You Money – Should You Refinance Your Texas Home Loan?

In Texas you can refinance your home as well as your investment property. And with today’s low mortgage rates, lots of people are doing just that using home equity loans

Plus some are doing the two-birds-one-refinance-approach: Refinance the home and pull cash out.

When it comes to refinancing, you have two options. A “rate and term” refinance or a Texas home equity loan “cash out” refinance.

With a home equity loan you pull equity out of your home or investment property.

Most people refinance to get a lower rate; this is called a “rate and term” refinance. One is keeping the same loan amount, they are just lowering or changing the rate or term of the mortgage.

Maybe they are moving out of a 30 year note to a 15 year note. This is called a rate and term refi because they are just changing the rate or the term of the original loan.

Lower mortgage rates do mean lower payments. But some clients choose a “cash out” refinance (Home Equity loan)- which means they pull equity (cash) out of their homes or investment properties for other purposes …like paying off debt or buying additional property.

For example, let’s say a family has a $450 car payment where they owe $15000. If they have enough equity in their home, it’s common for a family to refinance the home and pull enough cash out of their home to pay off other costly debt; like credit cards, cars, etc. The house payment might go up $50 but the car payment is eliminated. So a family has $400 more each month.

Some suggest against home equity loans to pay off debt stating it’s not wise to take a 3-5 year debt and spread it across 15-30 years. And these people are right. However, when I help a client save $400-500, sometimes $1000/month now these families can afford to pay extra on their 30 year mortgage and pay it off in 12-15 years.

In fact, most of the time a family will pay their home off earlier-after a home equity loan-than they would have before.

You can always call us to see if Texas home equity loan cash out refinance makes sense for you.

Home Equity Rules

Home equity loans have slightly higher rates than traditional rate and term refinances because one is raising the original loan amount. Plus when one pulls cash out of a home or investment property this is a higher risk loan. Higher risk = slightly higher rate.

And in Texas you are limited to 80% of your home’s value. Meaning if your home is worth $200,000, the most your new loan could be is $160,000. If you owe 100K, you could take out 60K or up to 80%

Then there’s the 3% home equity rule: This means the total fees associated can’t exceed 3% of the loan amount. This mostly effects those with smaller home loan balances. For example, if your home is only worth 75,000 and we are limited to 80%-your loan could only be 60K. 3% of 60k is $1800. So if your title company charges $700 for the title policy and your appraiser charges $325 and the bank charges $500 to underwrite your loan it’s not hard to be over 3%. This would mean the mortgage company could only charge $275 to be under the 3% rule.

12 day Home Equity Rule, 3 day wait-until-we-fund rule:

In Texas we have to wait at least 12 days from mortgage application to close. I even have to get a special 12 day letter signed. Then once we close, we then can’t fund the home loan for 3 days. Texas has weird home equity refinance rules so you want to work with an experienced mortgage company who does a lot of these type of loans. If you have additional questions, please call us at 512-996-8194, we help people all over Texas.

For many people home equity refinances can be a great way to jump start a new financial plan. I offer them to my clients to help them: Get out of debt, pay off bills, have more money to save and invest. My clients have saved hundreds each month by paying off high interest credit cards. My personal record is saving a family $1000/month using a home equity loan.

Once they save this money they plan to pay extra on their mortgage so they pay a 30 year note in 15 years. So used correctly, a home equity mortgage is a great way to move forward financially.

After 5 years in the mortgage business I’ve come up with my personal lending philosophy. Because anyone can do a home loan. However, my business is helping move people forward financially-starting on the mortgage level; the biggest expense for a family.

Most of my clients know my personal philosophy with mortgage lending. There are lots of mortgage people out there who promise “the lowest 30 year mortgage rate or the “best Texas 15 year mtg rate”-but this isn’t really my approach. I tend to favor what is best for the client’s short and long term. If one needs a 15 year mortgage with low closing costs, let’s use this program. Need to consolidate debt, let’s use a home equity loan.

I just don’t believe in one-size fits all mortgage plans. As soon as my clients all look the same, have the same income/debt, goals, then I’ll become a one-size fits all mortgage guy. But for now, I work with low income people, millionaires, investors, first time home buyers, second home mortgages, etc.

One’s mortgage can be either a debt instrument or a better financial tool, it’s really up to you and your mortgage professional. And in today’s economy where the realities of $5 gas aren’t really unreasonable you should work with a professional who will take the time to listen and bring the right mortgage plan to the table. Because once a mortgage is in place you must live with it.

Some questions you should ask yourself when buying or refinancing a home or investment property:

1) How much debt do I currently have? How much debt am I currently servicing each month?

2) How much in liquid savings do I currently have? Could I choose a mortgage that will help (a) lower my bills and (b) help me to save more money each month? Rate is important but now the only thing to consider. Who cares if the 15 year mortgage rate is the best rate, if it’s not affordable to you-it’s not the wise loan. Go with the 30 year rate.

3) How long do I plan to keep this home? Is this home appreciating?

4) What is my long term financial plan, and how does this new mortgage help me accomplish this plan?

#4 is where the rubber meets the road. And this is where I spend the most time with my clients; constructing the long term plan and then customizing the mortgage to fit this plan. Most people chase the lowest rate when getting into homes however without a mid-long range goal they usually end up paying more in the long-term.

Take the sub-prime meltdown. There’s nothing wrong with sub-prime loans. Sometimes things happen that cause people’s credit to go in the trash. Divorces do happen and sometimes medical bills come out of no where and people have a lot of collections. Jobs are sometimes lost and savings are use up before they were originally intended. The problem with sub-prime loans is not that they are bad, but that they need to be on Fixed rates. Not adjustable. This country has lost billions of dollars during the sub-prime meltdown for one reason: People chased the lowest rate when they bought the home and ARMs have lower rates than FIXED rates. And since ARMs had lower rates people chose ARMs over Fixed rates.

So thousands of people with bad credit bought homes on ARMs and today we have a major problem: Because people chased the lowest rate.

Having a long term financial plan. Example, let’s say you’re self employed and don’t have a company retirement plan-401k-to rely on. One approach in solving the “no 401K/IRA” problem is to own real estate. The goal is to own a few choice properties so when you do retire you will have these properties paid off and creating passive retirement income. Imagine if your mortgage broker took the time to understand your long-term goals and structured the new loan around these goals. Funny thing, most people are 15-30 years from retirement and the typical home loan is paid off in 15-30 years. Bottom line: The home you buy today could help you retire tomorrow-and you need the right home loan to go along with it.

Remember, most mortgages are based on a 15 or 30 year basis, why not structure your first home to help you retire in 30 years. I know this seems unrealistic because most people don’t keep homes that long, but going into a mortgage with a plan is better than just going into a mortgage.

Most people don’t want to take the time to think about money-but in the end-the lack of money causes a lot of other challenges in life.

This is how I’m different from the other Texas Mortgage Loan people. I believe I can either help people move forward financially or I can just get them into debt. Sure it’s easier to “sell low rates” but not at the expense of helping a client in the long term.

PMI (just so no-or at least try to get out of it.)

My clients avoid PMI when possible. But to do an 80/15 or 80/10 or an 80/10/10 one’s mortgage rate is slightly higher but the benefit is avoid pointless PMI and having lower closing costs. This is another example of why “chasing the lowest rate” isn’t always the best. Loans with PMI are better than loans without. But the benefit of not have PMI is huge. Not only will you pay less when your home loan doesn’t have PMI but your closing costs are less too.

Right now I want to touch briefly on these 3 issues and why one should be thinking of them when you buy or refinance a home. Actually, your mortgage person should customize your loan around these three points for you. If they don’t-run. If all they sell is a mortgage rate did they really serve you?

Mortgage brokers and banks love to advertise low mortgage rates. “We have the lowest rates in Texas!” But let’s think about the loan like this: “How much did it cost you to get this rate.” Because low mtg rates are one thing, but how much did it cost to get the rate?

Let’s look at one of Today’s Mortgage ads. (April 17) They are advertising a 4.87% rate.

Funny. The real 30 year rate is around 6% but they know people want “low rates” so they advertise a great rate. But when you look at the points it will take to get this rate, you’ll see there’s more to getting a mortgage than just rate. Closing costs.

For example, if you’re buying a $200K home should you really “buy the rate down” with points to get a good rate? To buy this low, low rate, it will cost $6,000 just for discount points. And yet people do this all the time. Mortgage people advertise low rate because people want low rates.

Sorta reminds me of when I bought my Toyota Tundra. I wanted to save a nickel so I went for the 2×4 instead of the 4×4 all-wheel drive. I was so proud of getting the “lowest price in town” but when it snowed or iced I had to ask my wife to drive her front-wheeled drive Honda Accord.

This is one reason why I suggest working with a mortgage broker (like me) who approaches mortgage lending from a total financial planning perspective. Because if I notice a client has a ton of credit cards and misc. debt-this 6K should not go towards a new (tax deductible) debt but towards paying off old, high interest debt that’s not tax-deductible.

Or to use real numbers, if you have the $6000 to pay towards debt, retire 15% interest debt that’s costing you $500/month instead of trying to save $200 on your mortgage. Then pay $100 extra and you’re still saving $300. Use this $300 for savings, investing or having fun.

But what about all the interest I’ll save by having a low rate? Shouldn’t I try to get the best rate so I can have lower monthly bills? Yes. Once you’re out of consumer debt-and you no longer have to pay $500 out, begin to apply $100-$200 extra on your mortgage payment. This will take years off your mortgage, usually taking a 30 year mortgage to a 12-15 year. This will save you tons in interest and give you lower payments.

When you buy or refinance any property take the time to look at the bigger picture because a mortgage or refinance can either help move you forward financially or just get you into debt.