Gold Rings for Men – A Popular Accessory

We usually don’t associate any kind of jewelry with men. When we think about jewelry we always think about the female gender and how they love to adorn themselves with ornaments. However, we have seen that as of lately men have started showing an interest in rings, especially in gold rings. Previously, they used to wear only gold rings on their engagements or on their weddings. But now, gold rings are worn to many formal and informal occasions and it has become more of a fashion statement, not merely an obligation or sign of marriage. Gold rings, due to the rising gold prices worldwide, are usually worn by the upper class, rich people in society. These people can afford to wear gold rings for almost every occasion. But if we look at the average man, a man owns at least one ring for himself.

Even though gold is such an expensive metal, it truly hasn’t been replaced by any other metal. There are a lot of reasons behind this, cultural being the main one. In this article we will be taking a look at the different kinds of gold rings for men in terms of design and we will also be emphasizing on how the variety of rings for men keeps increasing every day. Gold is a very popular choice for men’s rings. However, there is not just one kind of gold that is used in making rings for men. Although yellow gold seems to be used more often, there is white gold and rose gold, which is sometimes used in making rings for men. White gold is more commonly known as platinum and it is much more expensive in terms of price. It gives off a very white look, something that is similar to the shine of extremely well polished silver. Rose gold, on the other hand, has a slightly pinkish color to it (not too much) we don’t see many rings made out of rose gold, but it is used in several rings.

Gold rings, or perhaps any kind of gold jewelry, are not made out of 100% gold. It is almost always mixed with another metal, to make it stronger. We often hear the term carats when we’re shopping for gold jewelry and these carats tell us about how pure the ring is i.e. how pure it is. Usually, the higher the carats, the more gold the ring contains. For everyday use and to keep the affordability factor in mind, 10 to 14 carat rings are suitable for men. There are some rings which are gold-plated but we don’t recommend you to buy those, even if they are cheaper, because once the plating comes off, the metal is not as glossy as it was before.

There are many designs available in the gold rings. There are plain designs like the simple band and there are more complicated designs available in stores. Popularly, gold rings men have plain deigns like the simple wedding band, but now some gold rings have carvings and other designs engraved in them too. The use of stones in the rings is also popular, with different kinds of stones; precious and semi- precious, are used on the rings. There are some rings that have a ribbed design on them. You can either buy ready-made gold rings from stores or over the internet, but if you’re looking for something unique, you can have rings specifically made for yourself in your size and chosen design as well.

Is the New Fashion Trend Right for Your Business?

Is your style the right one for you or are you trying to copy the magazine or a celebrity? A lot of women today have this dilemma because we live in a world where fashion style dictates who you are in the society. The world is changing so fast and the fashion trends are also adjusting every now and then. With a variety of fashionable items to choose from, creating your own personal style is not an easy task to do. You also need to take into consideration the kind of personality you want your viewers to convey about your fashion statement. Dressing your own style of fashion is not only to blend in the crowd but also to express more of yourself and be confident of your personality. Your own personal fashion style is your own personal brand of your own interests, aspirations, desires and lifestyle.

The following are some tips to consider when creating your own fashion statement:

  • Before trying something, try to scrutinize various fashion trends from different sources like magazines, television, advertising materials and the internet. You must know how to gather data to be able to investigate what you really want in your fashion style. You need to know how these trends are being collected so that you will have a better idea about the basics of fashion. From these concepts, you can mix and match and can create a clearer picture of your personal style.
  • Do not try to copy fashion statements of celebrities or friends because their own trend may not be the perfect style for you. Only buy items that best represent you as a person. Focus more on the clothing you wear and feel good about being yourself.
  • Venture on different styles. You can try different dresses and experiment on your own closet. Walking in front of a mirror or taking a picture of yourself can help you. By doing this, you will know what are the styles you want to keep or change. You need to remember that loving the items you wear boosts your self esteem.
  • There are several accessories you need to consider. Try to find the perfect accessory that will complement your outfit. Don’t go for accessory items just because they are a popular trend in your society. You need to realize that accessories are also important in creating your own personal brand.
  • The right hairstyle and make up is also a must in making your own style. Try to consider the shape of your face in selecting the perfect hairstyle. Be conscious about the right blend of make up for the right occasion.

Organizing your fashion statement involves risk. Don’t be afraid to take that risk. Inspire yourself with personalities you admire in the fashion world. Through this, you will be able to discover the true and unique person that’s within you.

Impact of Fashion Styles

When shopping for fashion clothes and accessories you have lot of choices to select; as many budding designers and small online fashion labels are competing with each other to put forward a great alternative in the market. Along with the advent of internet you can gain a little help from both online and offline fashion stores which offer originality, quality and flexibility as they are willing to provide you just the thing you want and as you wish. By doing an internet search or by visiting small fashion labels, will offer you a variety of huge choices and you can be aware of what is fashionable right now. There is a new take on almost each and every fashion trend among lot of companies which are at the fore front of new designs. In the modern competitive market trend there are extensive range of clothing materials and accessories which are having unique looks and styles, and are supplied by many fashion businesses.

Just think, can fashion be considered as an aspect which is connected with glamour or glitz? Is it worth to spend thousands in order to acquire the latest clothes and accessories? Whether it is the jeans, sweaters, pants, shirts, coats, jackets, suits, leather or fur which attracts the people with impressive images of fashion items regularly that are shown in television channels and in various fashion magazines. Whatever be the reason, this fashion craze will results in emotional illnesses like depression, low self esteem and many psychological and physical effects.

It is commonly believed that individuals are themselves are responsible for their own actions. On the other hand you should not underestimate the effect of the changing images in the fashion industry. In short our eyes are subjected to have a feast everyday due to the constantly changing fashion trends. It expresses the way a person looks, thinks and acts. So we have to move forward with these trends and probably if we are reluctant to accept this sequence then we will be termed as an old-fashioned dunce that lacks in taste. The effect of this is to bring the viewer’s mind under control and to make them to accept such unrealistic role without questioning them.

It had been made clear that fashion is not the reflection of a consumer’s real taste. It actually makes the people to deprive off the power and as a result they are not able to express it in honest manner. The consumers are compelled in an indirect way to decide what and when to buy, what all things and accessories to carry and the like. Thus these fashion styles had put us into a situation which make us helpless and leaves us at their mercy without representing reality. It summons up visual images of expensive and fashionable clothes and accessories are only for rich and famous people as they can only afford. The image sometimes includes clothes which paint women in a manner which gives us an emotional injury which not only hurts, but also affect the women’s mobility factor.

Mens Fashion Tips: The Art of Creating Permanent Fashion Styles for Men

Many men and women do not have much idea about Mens Fashion. Very often the advice I have been approached on are what men can wear to appear professional or what men should wear so that they do not look outdated but overtly trendy.

I would greatly suggest understanding the basics of men’s fashion and put this knowledge into a permanent mens fashion style. There would not be anymore worry about following trends but perpetually looking stylish.

The basics of fashion for men boil down to knowing what each piece of apparel is made up of. The fabrics used determine a lot on the quality of the apparel. Good fabrics allow the apparel to withstand wear and tear.

If any men’s clothing or accessories that wear out fast would naturally make it look old and badly cared. This does not reflect well of the men wearing it and easily put most men out of style just by looking shaggy.

The next important point we need to note are the details found in every apparel and accessories. Details can be subtle but it creates a very big impact in the eventual outlook of the styling.

So before we start playing with details, the knowledge of each detail’s responsibility and how it helps in holding up the item or even gives significance to it in style can assist us in choosing the best men’s clothing.

Learning how to coordinate is another tough thing for many men. It does not need to be if they just understand about the various concepts of coordination. Starting from differentiating the type skin complexion they belong to would be the most basic knowledge to acquire.

Then they just need to put on the right color clothing against their complexion that perks up their facial skin tone and brings the attention to their face.

After that, coordinating colors between the various men’s clothing is another method. There are various ways to match different and similar or same hues as well as the shades of hues to achieve the nicest blend of colors.

If they are adventurous, then there are more that they can create that puts two very contrasting colors and yet a harmonious fusion of such colors without looking weird or clownish.

Putting patterns against each other is another challenging task in mens fashion. It is through the play of patterns that can make many men look very trendy and stylish.

If not properly done, those clashing patterns would be a very trying and poorly executed attempt. It boils down in knowing the types of patterns and their scale before choosing how to put them together.

Men can go for two to four similar or different patterns coordination without even looking overdoing the matching. It is fundamental to keep the flow of patterns as natural as possible and create a relaxing look from the combination.

It is good to have an idea of how to put all these mens clothing and accessories together. From there we can develop a permanent styling and never have to worry about the next trend or whether it is unprofessional. At least all aspects of men’s fashion have been touched on. Therefore, if you are daring enough it is always possible to transform it into fashionable styling.

Shopping For Current Prom Fashion Styles

Attending dances and formal occasions in high school is very highly anticipated and well looked forward to among students. Attending these occasions is often considered an integral part of having fun and simply letting lose in a formal occasion that allows students to dress up for the evening. Anyone considering attending this type of formal occasion should know what is considered when shopping for current prom fashion styles.

The prom is simply one of those occasions that is commonly and vehemently looked forward to among students in the school. This is a formal occasion that focuses very heavily on the dress that is purchased and worn as well as on any themes that are made available for people to focus their purchases on. Keeping up with current trends and what is currently being worn at other proms around the world is often considered a very complicated process to keep up with.

Anyone considering the attendance of this formal event often find an incredible number of options to consider as a result. These are all options that are aimed at ensuring the entire purchase is made easy and in an efficient and stress free manner. Attendees that keep a few of the basics in mind are able to ensure they perform this process in the most effective manner possible.

Keeping up with what is current and actually guiding the purchasing process is often performed on blogs. The internet is filled with blog writers that focus on fashion and the specifics that surround formal wear for formal occasions. These are helpful in establishing what is hot and trendy within this marketplace of items in order to ensure the entire purchase is a success.

Reading fashion publications is also a major component of this entire process. These magazines are tailored to suit the needs of people making this decision in that they provide pictures and articles on the latest in formal occasions and dresses. They are also filled with various hints and tips in hair designs and accessories that should be purchased as well. Even goers should also thoroughly peruse all local specialty boutiques and retailers when attempting to find the latest trends. These retailers are often some of the first to carry the latest in formal fashions and are often able to help guide interested consumers toward making a successful and trendy purchase. They are also some of the first retailers to offer theme gowns and items as well.

Promotional and special pricing events should also be paid attention to. This is often a purchase that is very expensive to make and should be reduced as much as possible to ensure it remains well with budget. Many local retailers advertise heavily during prom season to help attract consumers. Shopping for current prom fashion styles should finally be performed with a thorough understanding of all retailer return policies. The gowns that are purchased are often only performed after careful consideration and numerous options being considered. This easily understood policy helps ensure that returns or exchanges are made in an effective manner.

Gold Rings for Men

Now-a-days, men’s rings are not just heavy weight ornaments made of gold as you will get light weight rings from online or offline stores. Men are also interested in new styles and fashion in gold rings. Some of them are interested in custom made rings decorated with gemstones. Gold rings for men are available in different sizes, settings and styles. The rings vary from simple gold bands of one hundred dollars to highly ornamental, unique and designer rings of thousands of dollars. Nothing can replace gold ornaments because in every culture, gold has been considered as the symbol of prosperity, spiritual power and royalty. Gold carries well with every individual despite of the skin color.

Design

Men’s rings are usually on the heavier side with a solid and masculine design. Gold rings for men are available in any shape such as rounded, flat, ribbed or domed. For those who are interested in custom made rings, they will get custom embellishments on the ring to give it a wave, Claddagh, Jigsaw or Celtic look. Now, men’s rings are also made with one or more gems engraved on it. Most of the men are worried to wear custom made rings daily because it might damage the texture and design of the ring. But there is no need to worry as gold rings for men are designed exclusively for men and are stronger.

Purity

Gold rings for men are available in different purities. Pure gold is not used for making gold bands as gold is a soft metal. Gold band are mostly coming in purities like 18k, 14k or 10k. The purity of the gold is determined by these numbers. If the number is high, then the metal is purer. Most of the exceptional wedding bands are made of 18k that consists of precious gemstones like rubies, emeralds or diamonds. Most of the jewelries are made of 14k and 10k ornaments are considered as cheap.

Variety

Different varieties of gold bands are available on the market. Yellow gold is the most popular one and timeless. In addition to yellow gold, two alloys are also used for making rings. The two alloys are rose and white gold. Rose gold bands have a pinkish tint and they look beautiful when combined with different types of semi precious and precious stones. White gold carries an elegant and classy look which is used along with colored gemstones to provide a stunning contrast to the jewelry.

Care

Gold tends to become soft as the time goes. If you are using the ring on a daily basis, then clean it with a soft brush. If the color of the ring became dull, then you should polish it with special cleaning products available in the market. Gold rings for men need regular maintenance and care.

If you are looking for a best brand for a gold ring, then online shopping is a good choice. You can select your kind of ring from the range of rings available online. You can buy yellow gold, white gold, combination of yellow and white gold, combination of yellow and white gold with rose gold, and tricolor rings. Unique designer rings are also available at online sites.

Fashionable and Stylish

Fashion and style. What are they? Do they always go together? Do they mean one and the same thing? It’s hard to say. According to specialists in the field, fashion is actually a synonym for style or glamour. It has been agreed on the fact that fashion is a way of personal expression, and according to this criteria, one can be fashionable when he/she fits in this expression mode, or unfashionable, which would be the opposite. Fashion has manifestations in all the fields of human activity, that is when can speak about fashion when we refer to topics such as architecture, clothing, music, cosmetics, entertainment, forms of speech or even politics or technology. Anything in these fields can be described as being fashionable or not. When one speaks about materialism or trend s using the term ‘fashion’, it can be associated with a negative meaning.

Most people today perceive fashion as a term referring mostly to clothes. The beginnings of what we call fashion today did actually refer to clothes and they go back as far as the sixteenth century. However, it was only two centuries later that the real manifestations of fashion took place and it happened in Europe, among the wealthy upper classes. Fashion, just like any other manifestation of human activity, underwent major and continual changes, to the point where it is today, that is, being related to many fields of activities.
Of course, it would be unjustified to assume that fashion is the same all over the world. First of all, fashion differs from one society to another. Then, within a certain society, there are a lot of factors which may influence fashion such as age or generation, social class, profession or occupation. Even the geography of certain regions may bring about differences in fashion among the people of the same society.

But how does fashion change? Because we all know that constant change is what fashion is actually about. Everyone will agree that what is new now will soon become old, and the process goes both ways, that I what was once into fashion but is now considered to be old and obsolete will soon turn into something new again. Capitalism has brought along with its numerous good aspects some less appealing ones, such as waste. People buy things which are not necessary to them and consequently speed up the process of change as far as fashion is concerned. Young generations have much to do with this change in fashion as well, because they are always eager and willing to try interesting things, things that they haven’t experienced before, something new to be more precise.

What made fashion so popular among people was actually the television. The moment fashion hit television, in the late 1960s and early 1970s, was the moment when the general population became interested in this aspect. And fashion magazines, websites or even fashion blogs were only one step away.

Pretty much in the same way as fashion, style can refer to may things, from painting, music, literature, web design to linguistics or manners of addressing people. The very definition of style describes the term as a fashionable manner of doing things, which points out that style and fashion are very closely related. Not everything that is considered fashionable will also be regarded as stylish, which is why people should avoid turning into a fashion victim, one of those persons who will wear just about anything that’s seen as fashionable, no matter if it suits them or not, from hairstyles and piercing to clothes. It is true that today’s world and the society we live in have set some rules in what fashion and style are concerned, but these don’t always have to be strictly followed. Being a fashion victim will only turn you into one of the rest. If you want to be ahead at all times, what you must try is to define your own style and that will make you look your best.

Bring The Fashion To Your Home

Fashion is a popular term nowadays, but have you really ever wondered what fashion really is? Fashion is basically a word that is used for a particular style that is popular in the current time period. May that be clothing, jewellery, shoes, bags, eye wear, make up or accessories, if it is popular, it will be in fashion. Fashion varies cross culturally and geographically, what may be considered to be fashionable in one part of the world may seem completely absurd in another part.

Fashion is never consistent, the world of fashion is perhaps, the most dynamic environment till date, and fashion completely depends on individual preferences, hence there is no fixed or universal phenomenon of fashion. In a country like Pakistan, for example, fashion trends revolve around their traditional attire i.e. shalwar kameez. Every season change brings about new fashion trends that are religiously followed by all. On the other hand, in the western cities like the England, fashion clothing revolves around an entirely different scenario.

Fashions come and they go, what one must be sure about is to pick out the fashion style that best goes with a person’s personality. One must not try every bizarre trend just to make they look hip or fashionable. The best fashion is the one that depicts your true personality with great comfort and ease. Talking about what is new in fashion these days, tights and skinny jeans are still in, which is the same as previous year. However, people are concentrating on wearing more tights and jeggings (the new combination of tights and jeans). Pairing your tight with a bright colorful top is what is in these summers. Lots of accessories and shades to keep your eyes safe from the blazing heat, is what you should go for, since comfort must come before style. But this doesn’t mean that you cannot look stylish at the same time. Aviators are the most in thing this season if you are planning to buy new sun glasses this summer.

Moreover, huge bags are out of style and clutches and handy bags are in this summer. Pair your outfit with a stylish clutch to complete your attire and you will good to flaunt your perfect stylish sense everywhere. However, you must be sure not to overdo it, since nothing can be as disastrous as being overdressed. So be careful while choosing which fashion is the best for you.

Why Fashion Is Always Changing

Everyone is affected by fashion to some extent. In the era of early supermodel age, fashion could be categorized by glamour or commons. Today, fashion is fast, trend-less, comfortable, and personal. Street fashion, as one of the most popular form, is more of a reflection of personality and lifestyle than of trends in general. Because social media have offered abundant avenues for people to get to know trends happening now, fashion has becoming really shapeless. Hollywood stars have their Facebook and Twitter accounts updating almost every second of their day including what they are wearing. Thus, Stars set fashion trends. However, Stars are not the only people only can openly express their fashion styles. Bloggers of fashion, not just professionals, but ordinary peoples, can send out their fashion style to the world. In an instant, fashion has truly become everyday, everywhere, and everyone.

In the information age and a much globalized world community, fashion has transformed in its outlook, and concept as it starts embodying many varieties of elements of different cultures. For example, in the 1980s, jeans had monopolized youth culture not only in the U.S. but also other countries, particularly East Asian countries like Japan and Korea. Now, American styles are no longer the standard as designers of different ethnic background incorporate their own outlook into their design. In addition, in this much globalized world, ethnicity is no longer the only factor that affect the trend in fashion as it was decades ago. Now, people are guided by taste, lifestyle, and experiences. For instance, Alexander Wang’s simple power women’s look has won many fans of minimalism. Thus, it is possible the fashion’s trajectory will more closely appeal to people’s lifestyle and social trends.

Furthermore, today fashion has much evolved to embody personal brand. Everyone’s unique style can be called his or her fashion. For example, punk style was originally styles of socially discontented youth’s, now it has been taken up even by couture designers. Decades ago, fashion had it standard rules such as how women and men should wear. Today, fashion is not strictly dictated by gender. There have emerged a new class of fashion called unisex in which clothing lines can be worn by both sexes.

This type of fashion has been tremendously popular given greater qualities between men and women. Women have more choices than before.

Not only adults, children have their own fashion. Although they mimicked what the adults wear, children’s fashion also been commercialized extensively. Children’s fashion is greatly affected by adult fashion. Many adult designer brands also have children’s line that follow closely of the adult trends.

Fashion styles have been changed that allowed more freedom of choices. The price of fashion has also been changed. Before, fashionable clothing meant high prices. Now, a fashionable piece of clothing doesn’t need to be expensive. Brands such as Forever 21, J. Crew, Target clothing and etc. offer couture style clothing with very affordable prices. Simply put, price doesn’t equate good style or good fashion any more.

Fashion has fundamentally evolved-not only the concept of fashion, but also the price and accessibility.

Indy Jones Adult Costume – The Right Fashion Style For Halloween

Looking for the perfect adult Halloween costume this year? Well, you may want to consider going with an Indy Jones adult costume. After all, this movie was one of the most popular this year, and if you were a big fan, than this may be the best costume choice for you this Halloween.

Indiana Jones is known for being a rugged and tough guy, and if that’s not your usual demeanor, then here is your chance to be the macho man you crave to be.

Wondering why you should go with the Indy Jones look? Well, there are actually a variety of reasons to do so. First of all, if you’re looking for a real “manly” costume to wear this Halloween, this is a great choice.

You’ll look positively dangerous in one of these costumes. Of course the great part is that you really won’t have to go overboard to get the Indy look. In fact, with a pair of rugged pants, the right hat, and a nice shirt or jacket, you’ll be able to play the part. More than likely you won’t even need to go with a mask.

Another reason to go with an Indy Jones adult costume lies in the fact the movie has elevated him to superstar status again. Not that his star ever diminished but everybody loves a hero and Indy is certainly that. In that respect, there won’t be any lack of availability and demand should keep up with supply.

The other alternative is to purchase one part of a costume such as the fedora-style hat and then scout around second-hand shops for pants and shirts similar in color. This will save you money and simply wearing the hat is a sure sign you are mimicking the famous adventurer.

So, if you are going for the rugged, manly look this year, the Indy Jones adult costume is definitely a great pick. You’ll find that it allows you to take a popular movie and put yourself right in it.

An added benefit is that you’ll probably attract all the ladies as well, since you’ll look so tough and dangerous. Add a great smile and a sense of humor to your costume, and you’ll be charming and the life of the Halloween party.

Top Reasons to Boost Your Style This Year

Fashion is not just about Victoria’s Secret models donning the latest clothing items on the runway. To put it simply, fashion is about looking good and feeling good about yourself regardless of what you’re wearing. If you want to enjoy the benefits of fashion, though, you need to find ways to improve your style each year. Your own fashion style can offer you tons of benefits. Here are some of them:

Boost Your Confidence. There’s something about knowing how to match clothes that fills you with confidence. Even if your clothes are not that expensive, as long as you know how to wear them and be confident in them, it will help boost your confidence in the long run.

Build Self-Image. Whether you like it or not, how you look from the outside has a huge impact to how you feel inside. If you look ugly from the outside, you will tend to feel ugly as well. By learning how to dress well and look your best, you will be able to feel better about yourself.

Attract the Opposite Sex. Most people may deny it, but the ultimate goal for fashion, at least for men, is to attract the opposite sex. The more attractive your style is, the more chances you have of attracting people. Women, in particular, can make a quick judgment about you within seconds of meeting and knowing you. By having a great sense of style, you will have a more favorable first impression from men and women you meet.

Get Hired Easily. Fashion is the difference between getting rejected and getting hired on the spot. If you want to land that dream job easily, you need more than the skills and the experience. First impressions last, so how you carry yourself on the first day of the interview will leave a lasting impression on the mind of the person who will interview you. Moreover, studies show that a person’s fashion style is associated to his salary and earnings in the long term. This shows that simply knowing how to dress well for a job can get you opportunities you won’t get the other way around.

Broaden Your Social Circle. Finally, fashion can also be used to broaden your social circle and get more prospects for your business. How you look from the outside can say a lot of things about your company and your products or services. If you want people to trust you and your products, you need to show them that you can be relied on by looking your best all the time.

Romantigoth – A Fun & Unique Fashion Style for Your Little One

Gothic clothing has often been referred to as an eclectic style. One of the reasons this assumption is made is that many styles are accumulated into the gothic clothing culture. One of the many styles that have been adopted is the look of the 19th Century, which often is referred to as the Romantic Goth or Romtanigoth look. Although this time period may refer to many different fashions, there are many aspects of each of these fashions that can be pulled from for your complete Romantigoth look. Many may think that this is strictly for the adult consumer, but there are many facets through which this style can relate to your little one.

There are several different styles of clothing, which can relate to this period and it’s inclusion into the gothic culture. Think vampire think romantic vampire and you will be moving in the right direction. For girls the dress is very maiden-like with straight skits that do not hug the frame, but are of an empire waist where they are fitted at the top. Throw in some ringlets and you have a complete look for you’re your young girl. For young boys you are including knickers with ties and jackets.

The staple coloring for this style is a very neutral palate, with prominence of black and gray. As with all dress in the gothic clothing line, take into account some bright reds, some lace and ruffles and you will have yourself a complete outfit for your little Romantigoth.

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What is Your Fashion Style?

When it comes to clothing do you usually stick to one particular style or should you be called a fashion scientist due to the tremendous amount of attention you pay to trends. It can also be possible that you are not aware of your personal style. Whether you are aware of your style or not read this guide to learn a little bit more about it and what changes you can make (if desire).

1. Sexy Lexis- Lexis is all about wearing clothes that reveal skin such as cleavage and fit extra tight. She may feel that conservative or unrevealing clothing are only for older people. Lexis might need to learn when to tone down her sexy image. For example: She should avoid walking in to church wearing a blouse with a plunging neckline. Unless, she is ready to receive a few dirty looks.

2. Care-Lesley- She wonders: What is Fashion? Can I eat with cheese? She really does not know what the latest trend is and frankly can care less. Lesley should try something new once in a while just for fun and avoid getting stuck on a specific style.

3. Rebellious Chica-She makes her own rules when it comes to fashion. Avoids to all extends looking like everyone else. Just like sexy lexis some circumstances will require toning down her personal style. On a job interview she should conform to the expected attire standards. At least until she lands the job.

4. Fashion Diva-Her middle name is style. Always on top of her image and hates to be seen more than once wearing an outfit. Keeping up with fashion trends can get quite expensive. She needs to watch her finances closely in order to avoid overspending.

5. Sporty Lady- She loves her jeans and sneakers and will not go anywhere with out them. She should play dress up once in a while. This will help her look and feel better, even if the changes are temporary.

6. Comfy Carmen-Carmen is all about comfort. She chooses her attire based on the way it feels. She should steer away from bulky looking shoes that will make her feet look wider or bigger and clothing that fit too loosely. Clothes that are too big will make anyone look heavier and older.

7. Elegant Elenin- Elenin is always dress to impress. She will not allow anyone to see her dressed down. However, it will be beneficial for her to loosen up or dress comfortably once in a while. People can not look perfect all the time.

8. Stuck in time- This type of person does not remember the last time she bought a piece of clothing. She will not stop wearing her clothes until it has a hole in it. She should avoid using the same clothing for too many years until it comes back in style (20 years later).

9. Balanced Brianna- She probably has one of the other personal styles mentioned in this guide but, understands clearly the certain situations require she dresses up or down. She will not be hesitant to try a new style as long as it does not make her look like a fool.

Simplistic Timepieces – Fashionable Styles That Hooked Us

If you are in love with watches and believe that they are as essential to your grooming as much as smart shoes, then you must have a timepiece for every mood or occasion. If you are a teenager, the funky ‘big dial’ watches might seem really cool, but if you are working in a corporate or have a reputation to maintain, don’t you think you ought to wear something more practical? You would have heard of sports watches, fitness watches or even casual watches that may all have their own purposes. But you would surely need to buy the best of simplistic timepieces too for making a mark in your workplace. It is not true that you would need to spend a fortune to get a smart watch nowadays. There are brands and styles that are affordable and have enough of oomph to make you look suave and chic.

Styles and Features that won our hearts:

If you find the extended lugs, or the GMT displays and other features on modern day watches too much to bear, just go ahead with these sleek and smart minimalist watches. Let us look at the top watches that owned us with their simplicity, amazing features and of course, with their affordability too.

Névo: This is for those who cannot afford to miss out on any social network notifications from their smartphones. The simplistic design of eleven white LED indicators that are embedded on the dial would indicate the calories you are burning and the distance you walk or run. The dual batteries are really long lasting and you shall be able to tether it with your smartphone using the Bluetooth. This has found takers from men of all age groups.

Larrson & Jennings CM Black: The Swedish-British watchmaker has made telling time a really fancy and yet sophisticated affair. The Milanese watch-strap is winning hearts all the same and is quite affordable by the average young man.

Skagen: The Denmark based watch company has an array of simplistic designs that has wowed us. We are in love with their Ancher range of watches that have adopted a no-nonsense approach to telling time. Yes, these are quite affordable and cost less than $200 too.

Victorinox INOX: This is just right for those who love the stainless steel finish and would rather dump the leather straps any day. The watch is water-resistant, scratch-resistant and even vibration-resistant. Did we also say that this awesome timepiece can be all yours within $500 only?

Timex Waterbury Chronograph: Timex is a brand that has already got many takers worldwide. The stunning Scandi-blue dial with yellow and white color scheme on this Waterbury Chronograph is something that the young at heart would love to flaunt. The retro-styled watches are super-cool and stylish too.

Who said that fashion cannot be pocket-friendly and at the same time not be over-the-top too? Get your simplistic watches and have the time of your life!

Democrats and Republicans With a Fashion Style

Politics is usually something that Americans are willing to embrace with their heart because it represents a cause resulting in some type of change.

Democrats and republicans usually have a hard time agreeing on certain things. However, both parties do agree on one thing and that is to act in the present to promote something different leading up to the future. This is why you see individuals’ stand around who they believe should represent their country going forward and lead their dreams into the right direction.

Barrack Obama was the 44th president elected in the white house and he represented the democrats. When Obama was receiving vote’s people all over the world would wear fashion attire that expressed how much they believed in him. Individuals would wear things like “Change 2009” and even Democrat Donkey Cufflinks and guess what? Obama won the election with flying colors.

Now for the year 2012 we have new candidates running in the presidential election. However, one will only come out success in the very end. We are starting to see candidates winning individuals hearts state to state from what they express in their views from healthcare, retirement plans, and college education and even down to marriage status.

If you have an idea on who you want to vote for within this year’s election why not express it to the fullest from your shoes all the way to your ears.

Just image when was the last time you went to a presidential election and saw nobody wearing any type of attire that represented their views on the candidates? That is right NEVER!

The reason why these political fashion statements occur consistently is because people have a strong sense of respect in the candidates that they believe in. Why not promote something that is going to help change the future going forward? Your great grandparents promoted change for you to live within better conditions then what they had to live in, so why not do the same for the generation going forward?

Just like Barrack Obama always promotes “Change”, we can only change what we are willing to believe needs to be altered for the better of American going into the future. It is up to us to get together as a whole and promote of what we believe in is the better option going forward. Just remember before you make any decisions to think if that decision that you are making is going to promote you and your family going into the future.

Love Story Movie – Fashion Style

This must surely be one of my most favorite, movie fashion inspirations. It certainly had tons of style in every shot of Ali MacGraw, without being unduly influenced by fashion. When the weather is cold outside and with a roaring fire indoors, I always think of this movie. The 1970 classic ‘Love Story’ movie, inspires the kind of perfect love one can only dream about. With the radiance of American Ivy League as a backdrop, the classic white, stone-washed buildings and bright sun against knee-deep snows, it all seems to reflect Ali’s beauty.

Her enviable wardrobe provided inspiration for fashion designers in future years. Her clothing evokes the classic ‘preppy’ style and today is accessible to everyone. Playing a poor scholarship student, Jenny Cavaleri, Ali became a style icon that made that American style, famous and trendy. Classic designers like Michael Kors and Calvin Klein certainly took lots of inspiration from the movie for their subsequent collections.

Ali constantly wore amazing coats with classic masculine lines, like the fantastic camel colored, cashmere coat, that wrapped around her sporty figure so well. There was also the deep blue, pea coat with the shiny buttons, teamed with lovely turtlenecks peeping from beneath. The masterful color arrangements of her outfits contributed a lot to the success of this unforgettable style. The beige with black and red check skirt, worn as she moved in and out of the school building, flowed alongside her fast wit and humorous banter with Ryan O’Neal.

I think the constant appearance of short skirts was intentional, since the movie was made in the 1970s, therefore just at the end of the 60s ‘mini mania’. It certainly fitted her independent free spirit and brilliant, sparkling personality. For her wedding, she wore the same check mini skirt, intimating so much personal casual chic. It tells me that clothes don’t have to be serious, but love is. Her fantastic accessory collection is also a reminder for us that it is so important not to forget matching hats, or even what a whimsical fur hat will do for an outfit.

I can see them both in his convertible, top down, driving towards her new in-laws’ vast estate. She is wearing her classic camel coat and black tights, ready to grace the old dark, wood-panelled rooms of the huge mansion. As she reveals her beautiful, lipstick-red silk dress, it makes me want to go out and get a dress just like it and grow my hair to have a side parting. Although maybe we cannot star in a film, at least we can all style ourselves classic and pretty.

Buying Beauty Cosmetic Products

One can always find one or more cosmetic item in the shopping cart whenever women are out to shop. So many products atop so many brands, give them an opportunity to select the best one for them. The fact is that it is no more restricted to the females, and even then males have to buy some sort of cosmetic items to look after their skin. It is more like a basic requirement to shield the skin from the harmful ultraviolet rays and pollution.

It is the desire of everyone to have a flawless and healthy looking skin, be it women or men. There are so many skin troubles that keep propping up from time and time, which can be treated with some sort of cosmetic items. Moreover, there are so many products that help people to get rid of the skin troubles. Today we have all type of skin treatments possible with the help of these cosmetic items.

The skin types vary greatly from person to person. So, it is not necessary that the beauty product which suits one skin type will be good for the others too. Therefore, one must pick such a cosmetic that suits their skin type the most. The results, otherwise, could not be so good. For people who have a very sensitive skin type, it is better to use the natural cosmetic items. In the wake of the people becoming more aware about the results of the natural beauty cosmetic products, the demand for the same has increased manifolds.

People who love to do the make-ups on their face, there is a separate category for the make-up cosmetics, under which people can find various products that can add on to their “face value”. People have witnessed that a good and charming look is very essential and that is why they invest so much on their looks. This has given rise to the demand of the cosmetic products. But there is a wide range of cosmetic products that are available in the market ranging from the beauty cosmetics to the natural cosmetic products and even the make up cosmetics.

It all depends upon the need and choice of the people as to which cosmetic product they buy.

Men’s Fashion Style

Looking smart and good is the demand of the time. Studies have shown that on an average people spent a good amount of time and money on their look and style. Earlier fashion and style were the matter of females concern, but now the scenario has changed, metro men are quite fashion conscious. They are working hard on their style and look, be it the selection of formal custom suits for men’s or casuals or choosing a new hairstyle.

A man is judge by what he wears; clothing styles tells a lot about the person and his personality. Choose dress that suits your personality and style. It could be a jeans and t-shirt or designer S.Cohen suits, but make sure that your dressing sense goes well with your style. Though the scenario of men’ fashion has changed a lot, unlike their predecessors, new generation men love to experiment with their look and style, now their wardrobe has a collection of formal and casuals, from Allan Edmonds shoes to Sanyo’s trench coat and jackets.

It is advised not to be extra brand conscious, wear what suits you and make you comfortable. Make your own style statement, try to follow a moderate way of fashion and style, the extreme trends of fashion and style is not suitable for day-to-day schedule.

It is your own style and dressing sense that distinguishes you from crowd. Attractive and pleasing personality is not all about good looks and great body, but it is combination of all, be it your dressing style, hairstyle, accessories, or your talking style. So be specific in selecting your style and brand.

Ladies Jewelry Watches – The Perfect Mother’s Day Gift

Mother’s Day is around the corner, so it’s time to celebrate those special women around you, who give life, love and happiness to our lives. Starting with your own mother and your wife, look around your family and friends and see all those fine ladies blessed with the joy of maternity. They all contribute to give sense to your life.

Although mothers deserve our love and appreciation all year round, we will celebrate Mother’s Day this year on Sunday, May 10, 2009. How can you show your love and gratitude? A smile, a phone call, an e-mail should be a nice move to congratulate your friends and colleagues wives and mothers.

Focusing on your inner circle, your own mother, your wife, your grandmother, aunt, daughter…they deserve something special. Visit her if you don’t see her since a long time. Talk with her, listen, know her problems and bring her your help to solve them. Pick a beautiful card and write some lines to show how much you love her. Take her to the movies, or to a fine restaurant and enjoy together a delicious meal. Give her some beautiful flowers or a nice and sweet chocolate box. Especially with your own mother or grandmother, you don’t need a lot of money to buy expensive gifts.

A gift if something special, maybe unusual, you can give to show how much you love her. Mother’s Day is a special occasion, a happy day. You should make your best effort to make her blissful, and make this a day to be remembered with a joyful smile for a long time, maybe forever. Such a particular moment should be associated with a unique gift, suitable to leave a deep impression and evoke everlasting memories. My suggestion? Think about women’s jewelry watches.

Watches have always been intrinsically works of art. In the past, with fine and precise mechanisms, and more recently, with the advances in electronics and high tech, they represent the best of human ingenuity and craftsmanship. You can recognize a great watch by its accuracy and durability, and so you can find an excellent watch made of stainless steel, at a very affordable price. But if you are looking for something more valuable, you can find luxury watches made of gold and other precious materials, crafted with elegant and unique designs. Watches like these are like “living”, working jewels, they show you time, date (and other information), and are a pleasure to the eye.

Talking about materials, always look for watches with dial window made of scratch-resistant-sapphire, for increased durability.

Any gift should be adjusted to the person who will receive it. With jewelry watches you can find a range of brands, styles and materials to fit the personality of that special woman you love. Is your mother a sophisticated and feminine lady? Does she enjoy sports and outdoor living? You can find beautifully designed dress timepieces to wear at parties at night, as well as sophisticated, accurate and water resistant watches for scuba diving and water sports lovers.

Where can you find and buy that beautiful watch for your mother or wife? Online, of course! No matter if you live in a big city or a little town, shopping online you can reach on your screen the widest range of watch brands and models, as well as the most reputable retailers with the best deals. Opportunities you won’t find anywhere else, without the need to drive, park, walk…shop comfortably from your computer!

And remember, Mother’s Day begins with loving hugs and kisses!

Men’s Fashion – Style Advice and Tips

Although it would be nice if the first impression people took from us was our personality, the fact remains that our exteriors are, naturally, the first thing people consider when they look at us. This is not necessarily style-related; our wardrobes may be perceptions of what our bank accounts or personalities are. Even the smallest details of our dress send messages about ourselves that can be misinterpreted. Men tend to fall victim to this unfair scrutiny often as they tend to be unaware of the silent messages their ensembles are sending. We have provided some simple tips to help you avoid this situation and become more aware of the message you may be sending.

At one time, over-sized clothing was undoubtedly in style. However, that time has come and gone. Now, clothing that hangs on your frame and bags and sags is unattractive and presents an image of untidiness to people who see you. Choose clothing that is tailored to your frame without being too tight, and that provides comfort without being too baggy.

Often men also make another mistake, they do not think about their foot wear choices. It may seem easiest just to grab some tennis shoes out of the closet, but you have to think of what impression this is giving other people. It may not be comfortable for some men to wear anything but tennis shoes, but these men should make sure that their shoes are clean and not too worn.

A good hairstyle is also important to project and image of cleanliness and style. Find one that looks great and is easy to replicate by any stylist. You should have to spend a little extra the first time on a good haircut, but going to a professional, trusted stylist will be well worth the expense.

Try something new. Too often we get stuck in our “comfort zone” and then our style becomes stale. Try spicing things up once and a while, buy that electric blue shirt instead of the pale blue you normally would. Ask your friends, family members or coworkers for their style ideas. Resist that urge to go to the store and purchase the same clothes. Take those few moments and look at what is available, colors, textures, fit of the clothes, try something new.

The above suggestions are very easy, not to mention fun, to follow, but can drastically change your appearance for the better. Aside from your appearance, you may notice that your self-esteem and confidence has also developed from sporting a new hairstyle and wearing well-tailored clothing and clean shoes. These tips combined with your increased confidence will certainly be noticeable to others.

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.

Small Business Health Insurance – The Best Policy Is A Great Agent

I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few “loopholes” in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn’t until they receive a “denial” letter from the insurance company that they take their policy out to really read through it.

The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan’s coverage and benefits. This being the case, many individuals who purchase their own health insurance plan can tell you very little about their plan, other than, what they pay in premiums and how much they have to pay to satisfy their deductible.

For many consumers, purchasing a health insurance policy on their own can be an enormous undertaking. Purchasing a health insurance policy is not like buying a car, in that, the buyer knows that the engine and transmission are standard, and that power windows are optional. A health insurance plan is much more ambiguous, and it is often very difficult for the consumer to determine what type of coverage is standard and what other benefits are optional. In my opinion, this is the primary reason that most policy holders don’t realize that they do not have coverage for a specific medical treatment until they receive a large bill from the hospital stating that “benefits were denied.”

Sure, we all complain about insurance companies, but we do know that they serve a “necessary evil.” And, even though purchasing health insurance may be a frustrating, daunting and time consuming task, there are certain things that you can do as a consumer to ensure that you are purchasing the type of health insurance coverage you really need at a fair price.

Dealing with small business owners and the self-employed market, I have come to the realization that it is extremely difficult for people to distinguish between the type of health insurance coverage that they “want” and the benefits they really “need.” Recently, I have read various comments on different Blogs advocating health plans that offer 100% coverage (no deductible and no-coinsurance) and, although I agree that those types of plans have a great “curb appeal,” I can tell you from personal experience that these plans are not for everyone. Do 100% health plans offer the policy holder greater peace of mind? Probably. But is a 100% health insurance plan something that most consumers really need? Probably not! In my professional opinion, when you purchase a health insurance plan, you must achieve a balance between four important variables; wants, needs, risk and price. Just like you would do if you were purchasing options for a new car, you have to weigh all these variables before you spend your money. If you are healthy, take no medications and rarely go to the doctor, do you really need a 100% plan with a $5 co-payment for prescription drugs if it costs you $300 dollars more a month?

Is it worth $200 more a month to have a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn’t the 80/20 plan still offer you adequate coverage? Don’t you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?

Yes, there are many ways you can keep more of the money that you would normally give to an insurance company in the form of higher monthly premiums. For example, the federal government encourages consumers to purchase H.S.A. (Health Savings Account) qualified H.D.H.P.’s (High Deductible Health Plans) so they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put extra money aside each year in an interest bearing account so they can use that money to pay for out-of-pocket medical expenses. Even procedures that are not normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there are no claims that year the money that was deposited into the tax deferred H.S.A can be rolled over to the next year earning an even higher rate of interest. If there are no significant claims for several years (as is often the case) the insured ends up building a sizeable account that enjoys similar tax benefits as a traditional I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so you can potentially earn an even higher rate of interest.

In my experience, I believe that individuals who purchase their health plan based on wants rather than needs feel the most defrauded or “ripped-off” by their insurance company and/or insurance agent. In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, “I have to run my business, I don’t have time to be sick! “I think I have gone to the doctor 2 times in the last 5 years” and “My insurance company keeps raising my rates and I don’t even use my insurance!” As a business owner myself, I can understand their frustration. So, is there a simple formula that everyone can follow to make health insurance buying easier? Yes! Become an INFORMED consumer.

Every time I contact a prospective client or call one of my client referrals, I ask a handful of specific questions that directly relate to the policy that particular individual currently has in their filing cabinet or dresser drawer. You know the policy that they bought to protect them from having to file bankruptcy due to medical debt. That policy they purchased to cover that $500,000 life-saving organ transplant or those 40 chemotherapy treatments that they may have to undergo if they are diagnosed with cancer.

So what do you think happens almost 100% of the time when I ask these individuals “BASIC” questions about their health insurance policy? They do not know the answers! The following is a list of 10 questions that I frequently ask a prospective health insurance client. Let’s see how many YOU can answer without looking at your policy.

1. What Insurance Company are you insured with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield-“Basic Blue”)

2. What is your calendar year deductible and would you have to pay a separate deductible for each family member if everyone in your family became ill at the same time? (e.g. The majority of health plans have a per person yearly deductible, for example, $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible each year, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) it is based on? (e.g. A good plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount is also known as a stop loss and can vary based on the type of policy you purchase. Stop losses can be as little as $5,000 or $10,000 or as much as $20,000 or there are some policies on the market that have NO stop loss dollar amount.)

4. What is your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What is the Lifetime maximum benefit the insurance company will pay if you become seriously ill and does your plan have any “per illness” maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. This means that you would have to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)

6. Is your plan a schedule plan, in that it only pays a certain amount for a specific list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. is known for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to a certain number of doctor co-pay visits per year? (e.g. Many plans have a limit of how many times you go to the doctor per year for a co-pay and, quite often the limit is 2-4 visits.)

8. Does your plan offer prescription drug coverage and if it does, do you pay a co-pay for your prescriptions or do you have to meet a separate drug deductible before you receive any benefits and/or do you just have a discount prescription card only? (e.g. Some plans offer you prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with a discount prescription card that gives you a 10-20% discount on all prescription medications).

9. Does your plan have any reduction in benefits for organ transplants and if so, what is the maximum your plan will pay if you need an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure that actually costs $350-$500K and this $100,000 maximum may also include reimbursement for expensive anti-rejection medications that must be taken after a transplant. If this is the case, you will often have to pay for all anti-rejection medications out of pocket).

10. Do you have to pay a separate deductible or “access fee” for each hospital admission or for each emergency room visit? (e.g. Some plans, like the Assurant Health’s “CoreMed” plan have a separate $750 hospital admission fee that you pay for the first 3 days you are in the hospital. This fee is in addition to your plan deductible. Also, many plans have benefit “caps” or “access fees” for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit “caps” could be as little as $500 for each out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees that you pay per treatment. For example, for each outpatient chemotherapy treatment, you may be required to pay a $250 “access fee” per treatment. So for 40 chemotherapy treatments, you would have to pay 40 x $250 = $10,000. Again, these fees would be charged in addition to your plan deductible).

Now that you’ve read through the list of questions that I ask a prospective health insurance client, ask yourself how many questions you were able to answer. If you couldn’t answer all ten questions don’t be discouraged. That doesn’t mean that you are not a smart consumer. It may just mean that you dealt with a “bad” insurance agent. So how could you tell if you dealt with a “bad” insurance agent? Because a “great” insurance agent would have taken the time to help you really understand your insurance benefits. A “great” agent spends time asking YOU questions so s/he can understand your insurance needs. A “great” agent recommends health plans based on all four variables; wants, needs, risk and price. A “great” agent gives you enough information to weigh all of your options so you can make an informed purchasing decision. And lastly, a “great” agent looks out for YOUR best interest and NOT the best interest of the insurance company.

So how do you know if you have a “great” agent? Easy, if you were able to answer all 10 questions without looking at your health insurance policy, you have a “great” agent. If you were able to answer the majority of questions, you may have a “good” agent. However, if you were only able to answer a few questions, chances are you have a “bad” agent. Insurance agents are no different than any other professional. There are some insurance agents that really care about the clients they work with, and there are other agents that avoid answering questions and duck client phone calls when a message is left about unpaid claims or skyrocketing health insurance rates.

Remember, your health insurance purchase is just as important as purchasing a house or a car, if not more important. So don’t be afraid to ask your insurance agent a lot of questions to make sure that you understand what your health plan does and does not cover. If you don’t feel comfortable with the type of coverage that your agent suggests or if you think the price is too high, ask your agent if s/he can select a comparable plan so you can make a side by side comparison before you purchase. And, most importantly, read all of the “fine print” in your health plan brochure and when you receive your policy, take the time to read through your policy during your 10-day free look period.

If you can’t understand something, or aren’t quite sure what the asterisk (*) next to the benefit description really means in terms of your coverage, call your agent or contact the insurance company to ask for further clarification.

Furthermore, take the time to perform your own due diligence. For example, if you research MEGA Life and Health or the Midwest National Life insurance company, endorsed by the National Association for the Self Employed (NASE), you will find that there have been 14 class action lawsuits brought against these companies since 1995. So ask yourself, “Is this a company that I would trust to pay my health insurance claims?

Additionally, find out if your agent is a “captive” agent or an insurance “broker.” “Captive” agents can only offer ONE insurance company’s products.” Independent” agents or insurance “brokers” can offer you a variety of different insurance plans from many different insurance companies. A “captive” agent may recommend a health plan that doesn’t exactly meet your needs because that is the only plan s/he can sell. An “independent” agent or insurance “broker” can usually offer you a variety of different insurance products from many quality carriers and can often customize a plan to meet your specific insurance needs and budget.

Over the years, I have developed strong, trusting relationships with my clients because of my insurance expertise and the level of personal service that I provide. This is one of the primary reasons that I do not recommend buying health insurance on the Internet. In my opinion, there are too many variables that Internet insurance buyers do not often take into consideration. I am a firm believer that a health insurance purchase requires the level of expertise and personal attention that only an insurance professional can provide. And, since it does not cost a penny more to purchase your health insurance through an agent or broker, my advice would be to use eBay and Amazon for your less important purchases and to use a knowledgeable, ethical and reputable independent agent or broker for one of the most important purchases you will ever make….your health insurance policy.

Lastly, if you have any concerns about an insurance company, contact your state’s Department of Insurance BEFORE you buy your policy. Your state’s Department of Insurance can tell you if the insurance company is registered in your state and can also tell you if there have been any complaints against that company that have been filed by policy holders. If you suspect that your agent is trying to sell you a fraudulent insurance policy, (e.g. you have to become a member of a union to qualify for coverage) or isn’t being honest with you, your state’s Department of Insurance can also check to see if your agent is licensed and whether or not there has ever been any disciplinary action previously taken against that agent.

In closing, I hope I have given you enough information so you can become an INFORMED insurance consumer. However, I remain convinced that the following words of wisdom still go along way: “If it sounds too good to be true, it probably is!” and “If you only buy on price, you get what you pay for!”

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.

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?

Help Your Immune System Fight Diseases With Natural Health Medicine

The benefits of taking care of yourself are some of the rewards you get from knowing that you are doing the best for your body. This includes the most important part of your body–the part which is in fact a mechanism that protects your body: your immune system.

Your immune system protects you against viruses, bacteria, and toxins. And to ensure that your body keeps doing all these things and more, you need to take good care of it. This includes taking precautions against diseases; and helping your body when you do get infected with diseases.

That is why only the best will do. Before you begin to incorporate a natural health lifestyle into your everyday life, you should first start to learn what options are available for you.

Natural health medicine is one of part of the pool of many medicines available in the natural health market. Because of its natural, anti-bacterial effects, many people are using in favor of traditional medicine to cure their illnesses.

Natural health medicine is good in that it has a harmonious effect. It does not act as a drug, but more as a supplement for all your bodies needs. You know that you are giving your body the best of that nature has to offer; rather than bombarding it with chemicals that will harm it as much as help it.

Natural health medicine does not cause drowsiness and it works with the body to help you get better. The most-praised element of natural health medicine is that it is made from natural ingredients. And these ingredients enhance your body’s effectiveness to work for you.

When you know what is at stake, you understand that natural health medicine can give you that ultra boost you need to get your body in the best defenses shape possible.

In addition to everything else, you will not suffer side-effects when you take natural health medicine; instead, the medicine will help your body to heal without harming it simultaneously.

Popular Hotspots for Dental Care and Implants

If you or someone you know is missing one or more teeth or suffering from severe tooth decay then dental implants may be an excellent solution. All those people who are unhappy with the appearance of their teeth can bring back their teeth in tip-top shape through implant dentistry.

Yet, the major drawback of considering cosmetic dental care and surgery for most people from the US, the UK and Australia is their cost. The dental treatment cost in the First World countries can be extremely daunting for many patients in need of it.

Luckily, one can find very affordable dental care somewhere else in the world. People who are completely ready to undertake the dental implant procedure can save up to 80% on their treatment simply by opting to receive implants in any dental tourism destination.

Some popular countries for overseas dental implants include Poland, Hungary, Italy, Mexico, Costa Rica, India, Thailand to name a few.

Poland

Poland, one of the most advanced countries in Europe, is now one of the most preferred destinations for affordable dental care. The ultra modern private Polish hospitals and clinics equipped with state of the art technology and infrastructure play an important role in Polish dental tourism boom, by attracting thousands of dental tourists, mainly from the UK, every year.

Cosmetic dental procedures including implants are quite cheaper in this central European country, saving UK patients at least 81% on the cost of their treatment.

Hungary

Seeking dental implants or other dental services in Hungary is a good alternative for people living in countries where dental treatments do not come cheap. Situated in the center of Eastern Europe, the country takes pride in having the advanced private hospitals with modern x-ray machines, lasers, video cameras, dental tools and surgical techniques. These medical facilities offer competent dental services at reasonable prices to their local and foreign clients. By having the dental abnormalities fixed in Hungary, a patient can expect to at least 50% on the procedure even after including all other expenses.

Italy

Traveling to Italy for dental care may seem like a far out option for American and many Asian denizens but with the significant savings they make on the cost of their dental treatments overseas patients feel completely satisfied. Dental care cost in Italy can be as low as 70% of private dental prices in the US. Given the affordability of the dental procedures, standard of infrastructure and the skills of the surgeons in Italy it’s not a surprise that different patients from different countries are increasingly flocking to this country with their dental and other healthcare needs.

India

India is the destination of choice for anyone seeking first world quality treatment at third world prices. If you require expensive dental work such as bridges, crowns, implants or an orthodontic procedure, you can make considerable savings by going abroad to India. Medical tourists from all across the world, prompted by sky-scraping dentistry costs and dwindling insurance benefits at their native countries, make a beeline in this Southeast Asian country for various dental procedures. Top notch private dental clinic in India use latest generation techniques to perform oral surgery.

Mexico

This country shares its borders with the United States so it is the perfect option for those from the US. Opting for dental implants in Mexico can save American patients up to 66%. Not only US citizens even patients from far away countries can expect huge savings on their dental treatment. Private Mexican clinics are staffed with qualified and skilled general dentist, periodontists and oral surgeons with advanced training in implant surgery. Not only the dentistry is affordable, the quality of dental care in Mexico is also superior, a major factor that attracts many overseas patients.

Strengthen Your Immune System With Natural Health Medicine

Your immune system protects you against an army of germs and viruses that are ready, and waiting to attack. However, to remain constantly effective your immune system requires your consideration. Therefore, if you incorporate a natural health lifestyle, supplemented with natural health medicine, into your daily routine, you will be helping your immune system to defend you, as and when the need arises.

Natural health medicine is one of many tools available to complement a natural health lifestyle. Because it can naturally combine with normal body processes, to strengthen your immune system, you can become naturally resistant to numerous afflictions, waiting to invade. There are many people who have derived benefit from the use of natural medicine, to the extent that it has reduced their requirement for traditional and unpredictable alternatives.

Natural health medicine does not act as a drug but strengthens the immune system, to provide you with a natural defense. This is preferable to having to rely on chemical preparations. These, it must be said, are sometimes necessary because people have neglected to take the best care, that a natural health lifestyle can provide.

There is no better investment that you can make than remaining healthy, which in turn will help you to enjoy your life to the full. That is your birthright, which can be more readily achieved through a healthy lifestyle, including natural health medicine containing naturally therapeutic ingredients.

Many people suffer distressing side effects from synthetic medicines and drugs. At times they have little alternative but to resort to such measures, but in other instances the old adage, that prevention is better than cure, rings true. An understanding of natural health medicine, and how it can assist in maintaining your immune system, is something, that all who contemplate good health, should consider.

Natural Health Medicine – Children

Natural health medicine can be as important for children as it is for their parents. The close contact they encounter with other children, in nurseries and kindergartens, means that minor infections, such as runny noses and colds, are easily picked up.

Natural health medicine can assist children to resist infection by boosting their immune systems. In turn this may assist them to combat the germs carried by other children, or if they do catch something it could help them to nip it in the bud.

In addition to being effective in strengthening a child’s resistance to illness, natural health medicine is usually free of unpleasant side effects. Therefore, it helps children to stay healthy in more ways than one. Not only are they less likely to be affected by illnesses, but also if they are unfortunate enough to be smitten, natural health medicine assists in promoting a speedy recovery.

It is always distressing for parents of children who become ill, as well as for the children themselves. Those parents who have discovered the benefits of natural health medicine are in a better position to help their offspring stay well. Children frequently recover quickly from minor ailments, but may do so even more speedily with the help of natural health medicine.

Although sick children can quickly recover, parents are concerned that illnesses can spread to brothers and sisters. This is why natural health medicine is important to the whole family. It can help to ensure that any temporary incapacity does not become prolonged.

Of course children rely on their parents to look after them, and they are even more dependent when they are unwell. Fortunately there are natural health medicines for children as well as adults. Natural health medicine for children is just one of the ways that proper care can be administered. It is good that we live an age when help and advise is freely available for child related matters. Undoubtedly children are our future, so it is in our best interests to look after them and protect them from illness.

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.

Specialized Mental Health Treatment Training – Seven Building Blocks For Your Successful Practice

Once you complete your generalist training in mental health practice, it is time to identify your practice niche. The next step after identifying your niche is to seek out specialized mental health treatment training. Specialized mental health treatment training provides the foundation to build your successful practice. When you use the following building blocks, your foundation is solid and the walls surrounding your practice are strong.

Building Block one: Builds confidence in your abilities to treat clients in your niche.

Building Block two: Builds in-depth knowledge in your client’s issues.

Building Block three: Builds skills to work with client issues. Effective mental health training includes interactive skill-building development.

Building Block four: Builds effective approaches to use with client interventions when various client issues arise.

Building Block five: Builds credibility with clients and professional colleagues. You increase referrals. You’re viewed as a specialist with a given body of expertise.

Building Block six: Builds greater competence as your caseload includes more and more clients with similar issues.

Building Block seven: Builds potential to expand your knowledge, skills, and approaches into training other therapists in your specialty niche.

Let’s take a more in-depth look at each building block.

Building Block one: Builds confidence in your abilities to treat clients in your niche. When you carefully select your specialized mental health treatment training, you are prepared to learn what is most beneficial for treating your client niche. You approach the training opportunity with a readiness to learn and leave with greater confidence. Your confidence arises from the knowledge, skills, and attitudes you gain from the training.

Building Block two: Builds in-depth knowledge in your client’s issues. Mental health training in your client niche helps you gain a deep understanding of the issues and dynamics of your clients. This knowledge contributes to your ability to have empathy and patience as you work with your clients to discover resolutions to their emotional pain.

Building Block three: Builds skills to work with client issues. Effective mental health treatment training includes interactive skill-building development. When you select quality mental health treatment trainers, they include experiential or interactive elements in their training. This provides you the opportunity to gain practice in working with the tools the trainer introduces. With appropriate feedback, you hone your skills to work with your clients.

Building Block four: Builds effective approaches to use with client interventions when various client issues arise. You are able to integrate your knowledge and skills to select the appropriate intervention when you apply the approaches you learn in specialized mental health treatment training. Over time, you gain a clear understanding of which interventions are most productive when clients present with similar issues and dynamics.

Building Block five: Builds credibility with clients and professional colleagues that increase referrals. You’re viewed as a specialist with a given body of expertise. Clients stay with you to complete treatment even after their insurance runs out. Your number of self-pay clients increases allowing you to build a more lucrative practice. Managed care referrals increase with your increased credibility.

Building Block six: Builds greater competence as your caseload includes more and more clients with similar issues. Your skills and effective approaches become more refined. You are able to facilitate lasting changes with clients. Your expertise is valued within the larger mental health community.

Building Block seven: Builds potential to expand your knowledge, skills, and approaches into training other therapists in your specialty niche. Leverage your expertise when you provide specialized mental health treatment training to other therapists treating clients in your niche. You move from being trained to being the trainer.