Fashion Designing May Design Your Future | Fashion Update

Fashion designing is a huge industry that encompasses a range of fashion trends including men wear, women wear, teen fashion wear, and fashion accessories like sunglasses, footwear, hair accessories, jewelry, and handbags.The industry is greatly influenced by the music world, film industry, cultural icons, and political figures. Whatever comes in fashion is the style and trend that the common man emulates from known artists and popular figures. The trend keeps on changing with the changing trends in movies, books, and music. The only thing that stays constant in the fashion world is change.In the present world more and more people are attracted towards the fashion world and many are rising higher and higher with a degree in fashion designing. This degree can really help make a successful career if you have the art of creation and a passion for fashion. Creativity is most crucial in pushing up your designing career as it is all about innovations and imaginations.If you are confident of your creative skills, then you can creatively design your own future with success and fame. You can start your journey towards a successful career with a good fashion institute that will help canalize your creative skills. It will help you transform your imaginative ideas and creation on paper and then eventually into a designer wear.Being a fashion designer you get the power to define an individual’s personality. Everyone wants to look good and cheerful. It’s the job of a fashion designer to give the perfect outfit to an individual that suits his or her body type, personality, and taste. The outfit and accessories a designer chooses for his or her client defines the client’s personality and the sense of individuality.It takes a lot of dynamism, hard work, dedication, and excitement to get success in this field. You need to have that talent and vision to define anyone’s personality and inner being. You should have an inherent capability of combining tones and shades to the right textile or fabric. You should also be updated with the changing trends of fashion world depending on the taste of youth and the demand of the market.Fashion designing in India is gradually expanding its horizon with new hopes and expectations. Some of the known Indian fashion designers who have carved their own niche in the market are Ritu Kumar, Ritu Beri, Manish Malhotra, Tommy Hilfiger, Hemant Trivedi, Rohit Bal, and Deepika Govind.Today, fashion designers have widened the designing field from simple attire to designer wear. He or she produces a huge collection of different types of clothing and further accentuate these with an assortment of embellishments. With talent and ambition, the designer can then win the race in this highly competitive fashion industry.

Financial Reform Laws and Its Unintended Consequences – OUCH! | laws and issues

We now have the War and Peace version of the Dodd Frank law in affect. But how is this going to affect real estate business? Is it going to stimulate the real estate industry? Stabilize home values? What about making it easier and inexpensive for consumers when obtaining a California real estate loan or a loan in any state?All answers in my opinion are no. Something had to be done but was the result wasn’t researched or thought out very well.When politicians make decisions and reform to something that they know very little about, isn’t a good idea. Creating sweeping reform using one’s own personal morals isn’t good for business either.For example, limiting a lender contact and not allowing the selection of a specific appraiser (unless the appraiser works as an employee of the lender) is morally a good idea.The result? Appraisal fees have gone up by 25%-50%. Who foots that bill? We do.As a result, many experienced appraisers have left the business and many times appraisers are coming from long distances to appraise a home and know nothing about the local area. This doesn’t bode well for home values.The appraisal issue isn’t a part of the Dodd Frank financial reform. However it’s just an example on how its unintended consequence can affect our wallets.Another moral choice was made in that it’s not right to mark up an interest rate on a California real estate loan which means the lender and loan originator can make more money on a transaction.Sounds fair right? Think again. That mark up on the interest rate frees up a pool of funds that could have gone to the lender as income OR the borrower and could have been used to pay for borrowers closing costs and fees. This is beneficial for first time home buyers who are short on cash and borrowers who don’t want to pay fees on their refinance loan. As a result of the new legislation, neither of these options will be available.On the surface the moral compass is right but there’s wasn’t enough research as to how this change was going to affect all consumers.The credit card part of the reform further illustrates. Credit card issuers no longer can charge predatory fees and rates. But really how many people were paying these rates? Less than 15% of the nation and we all now have to pay in one way or another.Again the moral compass is good. Banks now lacking that income are cutting rebate programs and free checking accounts are no longer going to be free, and preferred interest rates on cards are going up.How is this good for the majority of America?The biggest surprise of the financial reform is that the largest bailouts in American history was given to mortgage giants Fannie Mae and Freddie Mac and they were completely left out of the financial reform act. WOW.2011 will be one of historic proportions since all this new legislation becomes part of our daily lives.Are there more unintended consequences are in store? One thing is for certain it won’t make it any easier or cheaper for the person trying to obtain a California real estate loan or in general, on the middle class American consumer.


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