March 9th, 2010 by admin

Sometimes all you need to make a plain dress into an elegant fashion statement is to accessorize it with a stunning piece of jewelry. Even adding an inexpensive bit of sparkle to the neckline of a dress transforms it into an eye catching outfit. So, pull out that simple little black dress and make it perfect for your holiday or special celebration party with stunning jewelry.  Another trick when you want a handbag worthy of taking to the party, but need it to carry more than a clutch can handle, try a small tote bag made in a luxurious, but washable fabric. Those sparkling styles that come in metallic colors are often classy and go with everything from basic black to the classic reds and greens of the holiday colors. When the occasion calls for a more eye-catching bag, go for a beaded look. You can even save on the cost of a ready-made beaded bag when you purchase an inexpensive solid color clutch bag. Make sure it is in fabric or leather, then carefully glue an assortment of beads or rhinestones on it.

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November 27th, 2009 by admin

Have you ever heard the saying that “you can’t get something for nothing”? Well Chiara Fashion is about to prove that saying wrong with their new Window Shopping Sweepstakes!

Here is a quick breakdown of how it works. All you have to do is keep doing what you’ve already been doing, which is visiting ChiaraFashion.co.uk on a regular basis to see all of their new and exciting fashions. But now, if you register for a free membership, complimentary “tickets” will be credited to your account based on how often you visit the site and how many “windows” you go to.

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May 28th, 2009 by admin

On one of the most important days of your life you want it to be spectacular and come off without a hitch. So, planning your wedding is probably going to be the biggest project that you will come across in your lifetime. Many people now-a-days are turning to wedding planners and professionals to do all the work for them. For those people who want to do the work on their own, they go to bridal shops for all of their bridal and wedding needs.

Being able to shop in the store can have it’s benefits. Having everything available right in front of you is such a convenience. You can go in the store, pick out all of the items that you will need and BAM!–your done. The one bad thing about shopping in the store is actually having to go into the store and deal with the other customer’s in the store waiting on the same help that you are and you not getting it.

Speaking of waiting. Make sure you do not wait till the last minute to start planning your wedding. With all of the work and arrangements put into a wedding, you need to start at least six months before the wedding date to pick out your gown. You do not want the stress of not having your gown in time for fittings and alterations.

Be sure to know which dress you will be wearing ahead of time so that if any alterations need to be done then it will be completed in time. Plus, when ordering from a bridal shop, they will need time to get your dress to you so that work can be done on it if need be.

Also, you want to make sure your wedding party has their clothing picked out and have made arrangements for fittings and have chosen shoes and accessories in advance. It is always better to be early for anything than late. Late could mean disaster and more money spent.

Did you know that you can find bridal items online? These online shops cater to individuals who do not want the hassle of going in and out of stores looking for the items they need. Plus, you can get all of your invitations, gifts, party favors, all that type of stuff delivered early. All that being done with just a click of your mouse.

Believe it or not, you can even order your wedding gown or dress online. You can always find the dress of your liking and have it professionally altered once you receive it. You know how women can be about the way they look in their dress. They have to look slim and trim and at least 10 pounds lighter. I think that is the wedding gown purchase rule…10 pounds lighter or your money back! All jokes aside, shopping online can be a huge help with time and money.

There are also online stores that offer products at massive discounted prices. eBay for instance has stores that offer items for less as well as live auctions for sellers to sell their slightly used or brand new items.

Either way, they are much cheaper than store prices and you don’t even have to go out of the house to get them. Everything is delivered to your doorstep.

Try shopping online for your wedding apparel and see exactly what I’m talking about. You will be glad you did. Happy Shopping!

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March 19th, 2009 by admin

In today’s world of online shopping and bill servicing, credit cards have become almost an essential part of our everyday lives. No one would argue that they don’t make life easier, but it’s also true that they have a dark side in that it’s all to easy to build up debt.The credit card suppliers too advertise low interest credit cards more that any other kind of credit cards.

The simple advise against getting into debt by overspending with your card, but that advice is perhaps a little hollow for people who have already built up a balance. If you’re lucky, that balance is not yet too much of a problem, but one almost guaranteed way of setting your debt on the slippery slope is to continue spending with your card while only making the minimum monthly repayment required by your card issuer.

Each month when you receive your statement, the minimum amount you have to pay will be clearly shown, and many people choose to have this amount repaid automatically through their banks. This makes it easy to keep your account up to date, and gives the illusion that you’re keeping on top of your card balance.

The problem lies in the size of the repayment you’re making. In the early days of plastic, the minimum repayment level was generally around 5% of the balance, but over the years this has drifted inexorably downwards with 2.5% to 3% being the norm nowadays, with some cards going as low as 2%.

However, that doesnt hold good for everyone. Low interest credit cards are good and should surely be on your list, but APR is not the only thing to look for.Surely a lower repayment amount is attractive, as your credit will cost you less each month, putting less pressure on your budget? This is true to an extent, but the problem lies in the long term. To get an idea of how bad an idea only paying the minimum is, we need to look a bit more closely at your credit card statement.

As well as showing the familiar annual interest rate, or APR, your card statement will also show the monthly rate of interest charged on your balance. A typical card might show a rate of around 1.6% a month. In simple terms, this means that each month you will be charged 1.6% of your balance in interest. Compare this to a 2% repayment, and you’ll see that over three quarters of everything you pay is swallowed up in interest charges, leaving your original debt virtually untouched.

This situation is bad enough, but it gets worse when you consider that the interest rates charged on other ways of using your cards such as instant cash or overseas use can be much higher. Monthly rates for withdrawing cash, for example, can be nearly as high as the minimum repayment percentage. If you withdraw a significant amount of cash within a month, it’s quite possible that the whole of your repayment can go towards interest, with your debt level not reduced at all.

That means, people who are not sure about being able to pay the full amount, every time, should surely look for low interest credit cards. A low interest credit card helps in reducing your total outgo by curtailing the interest you pay on your balance. So, low interest credit cards help in slowing down the rate at which your credit card debt builds up. Thus low interest credit cards are surely important for a particular group of people, as stated above.

The best way is to set up automatic payment of the minimum, so that you’ll be sure that every month you’ll at least be staying within the terms of your credit agreement and not risking damage to your credit rating. Then, at the end of the month, make an extra payment of as much as you can afford without borrowing from another source.

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March 4th, 2009 by admin

Over recent years doing shopping online has become increasingly popular, and these days you can buy all sorts of items online, from groceries and CDs to specialist gifts, to clothes, entertainment, and pretty much anything else.

Amongst the many benefits that you can enjoy when you shop online are huge discounts and deals and your purchases, being able to enjoy the convenience and ease of shopping from the comfort of your own home, and being able to purchase products from around the world in next to no time.You also get to avoid the queues at the shops, and you won’t have to venture out in the cold to do your shopping. In addition you get to be able to shop at any time of the day or night, making the whole process even more convenient and simple.

Do remember, however, that you need to follow a few simple steps and exercise some caution in order to make sure that your online shopping experience is a memorable one for all the right reasons.

You do need to check any site that you are using to shop through, as you will need to ensure that it is secure so that you know that your information is protected. Look out for the solid padlock or key signs, which show that the website is a secure one.If you share a computer with others and you make payment for goods using a credit or debit card you should make sure that you do not save any account details and passwords to the computer, as otherwise someone else could access the website in your name.

An email confirmation of your order should be sent through to you by email once you have placed the order, and this is something that you should put in a safe place so that you have some form of comeback if the items are not delivered or if they are faulty.It is worth remembering that if you place an order online and there is a problem with the goods or delivery, you can take action, as you have the same rights as you would have if you had purchased the items in person.

If you want to enjoy greater protection against problems that may occur with your order then you should consider paying with a credit card, as this offers a higher degree of protection under the Consumer Credit Act than other methods of payments such as debit cards.

Another thing to remember when you are shopping online for products is that if you buy certain items from overseas you may be liable to pay VAT and duty, so this can bump up the cost of the items. You can contact HM Customs and Excise to find out more about whether you will have to pay this on any items that you have ordered.

As long as you follow these simple rules and you are careful with your security details you will find that online shopping is a great way to make your purchases with speed and convenience.

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