Full-Figure Fashion

There is a huge misconception about fashion for heavier women. The standard fashion styles and outfits advertised in magazines and presented in runway shows are not adapted for full figure women. If you are a little heavier than the rest, don’t think you can’t look as fabulous and glamorous as the rest. Nowadays, the fashion industry crosses barriers and welcomes full figured women to experiment new sizes and opportunities. There is a big variety of ingenious and fashionable designer collections for curvier or oversized women.The black dress is always the ideal “wingman” in full figured women’s wardrobe; it could be a sexy v-neck, strapless, asymmetric, this piece promises to hide with discretion any excess baggage. But don’t limit yourself to black, some designer’s proposals are as big as their creations, but the purpose is the most valuable aspect of it; making plus size women feel beautiful and sexy, make them comfortable in their own skin. Heavier women like feeling sexy and know which colors they should wear to help them appear skinnier.Bigger women shouldn’t be afraid of using traditional colors, they are openly welcome with unconventional styles that can make their figure shine, outstanding their best features. Even animal print is one of the popular trends for this season, may it be in a shirt or a sexier dress.For the most special day of their lives, wedding dresses should not be limited to certain models, au contraire; there are millions of options for the wedding ensemble; whether with a traditional dress or anything a little more original and fun like a pantsuit.Pants and black tops visually reduce the body’s volume, but to feel more modern and feminine, “ponchos” and pashminas always help to get that style that breaks away from the monotony of your usual wardrobe. Solid color dresses also are preferred for plus size women, add up a nice broche or belt to outshine that chic style that identifies you and will make you look very distinguished.If you are the bustier type of woman, try enhancing your best feature for a girl’s night out, don’t hide it. For example, use a v-neck top with a more defining waistline whereas your breasts will not be the first people that will pop to an onlooker’s eyes. You can also wear a shirt with baggy sleeves and a pencil skirt that can elongate your figure. If you get tired of hiding yourself behind embellished shirts and skirts, don’t forget that a dress with a lacy bust line or a nice print can work for a day at the office as well as a casual affair at night.Feeling comfortable is the most important part of dressing up. Some people say that women don’t dress up for men, they dress up for other women, but this should change; you should always dress up for yourself and your self-esteem. Look at yourself in the mirror before going out and always tell to yourself how beautiful you look.

Getting Started Building a Successful Online Business!

Start Planning!It is true you can make money on the internet. You can make a lot of money on the internet. Online business is growing rapidly and there’s a reason for that. But starting an online business and starting a successful online business are not one and the same thing. Many people ask “How can I start an easy online business?” However, like any successful business idea the notion of an easy online business is a myth. A successful internet business needs the same attention to forethought as any successful business. Whether you are looking to start successful online store or successful home business the early stages require good planning, good organization and hardwork.You will make money online with good planning!The first step of starting a successful business online is the same step as starting any successful business. You need to plan your new online business as much as any other business. A home based online business is going to need to planning just as much as a home based cake business or delivery firm in order to succeed and make money online!Only fools rush in!Often, when people are starting a new online business their first impulse is to get online! This would seem to make sense. I mean how can you start an online business without being online? They then waste a lot of time and money searching the net for good hosting and snapping up web domains so they can quickly get started in their new online business. In truth though you are already online! And you are already working on your new internet business.What kind of Online Business do you want to start?The first thing you will need to plan for in your online business is what kind of business that will be! Are you trying to sell items on eBay? Start an online store selling a product of your own? Or start an online store selling someone else’s products? Are you going to start a website to market affiliate products?Get a clear idea of what kind of online business you want and research it.Having a clear idea of where your new online business is going is going to save you a lot of wasted time and money. Good research into what you will want to market in your online business will help you to choose wisely when choosing domains. How much traffic or web space you will need for your online store or your new online business website will determine which hosting option you choose and where you plant those domain names – especially, if you plan on having multiple sites.What products will you sell and how will you market them?Marketing tactics are going to be crucial to your online success. Knowing which path you are taking and what marketing methods you will be using is going to save you a lot of time and money in the future. It will determine what kind of site you will need and what marketing tools you will use. Good choices early on will help your business to achieve its aims quickly and mean any money you did spend on hosting and domains starting an your business was money well spent. Having a clear business idea and choosing the right products to sell on your website will increase it’s effect and help you decide the design and content of your site.Get the proper training and online resources.If you are completely new to internet marketing and online internet business, one thing that often proves crucial to success is proper training. Getting help and advice form the experts can save you a lot of time in learning skills of online business and have you running your internet business much more quickly and profitably. This needn’t break the bank and there is a lot of information out there.Decide on a budget and research where best to spend it.Lastly, decide on a budget! If you know how much you are prepared to spend investing in starting your business and how much money you want to make online then you can research the most cost effective way of achieving online success!So in short! How to get started in building successful business online?1. Make a plan and research it!2. Decide what kind of business you want.3. Decide what products are best for your business.4. Decide how best those products will be marketed online.5. Get the proper training and advice form experts.6. Decide how much money you want to invest and plan accordingly.7. Stick to the plan and don’t get distracted.With the proper planning and strategy your business will be a success.Of course this is only Step 1 to starting a new business online. But if you are serious about starting a business then this should be your most important step!

How to Buy a Business When a Bank Loan Is Hard to Get

If you have been following any of my recent blogs you would have read that I have touting from the top of my lungs that now is the time to be buying a business. And in case you haven’t been following my blogs I will restate why I think now is a great time to be buying a business.Why? Well one of the reasons is that business valuations have come down in price. Businesses that were selling for 3 to 4 times their net profit are now selling for 2 to 3 times their net profit. Or if they were selling for 5 to 6 times their net profit they are now selling for 4 to 5 times their net profit. This is a substantial reduction of price from a few years ago.Now this statement is true in generally all of the business sectors such as the retail and service categories. Of course there are going to be some categories that really hot at a certain time that are selling for a premium, but generally this true now across the board in most of the businesses on the market.The second reason I think now is a great time to be buying a business is that the cost of money is about as cheap as it is ever going to get. You can get a commercial loan to purchase a business for 5% or sometimes lower depending on your credit and the situation and the lender you are working with.So let’s say that I have convinced you that now is the time to buy a business because the valuations are down and you can get a good deal on the purchase of a business and the cost of money is cheap. But gee Terry didn’t you know that banks aren’t lending and it is hard to get a loan. If you said or thought that you would be absolutely correct.Banks do have money to lend, but they have changed the rules on lending or should I say that the Federal Government has changed the rules for lending for them and therefore it has become more difficult to get a loan in today’s economic environment. Yes, all of this is true, but there is still a way to get that loan for the business you are wanting to buy. Yes, the days of getting a 100% loans are long gone unless of course you are working with private investors, but we are talking about a financial institutions today so I will stay focused on such accordingly.Here is how you get your loan for the business you want to buy today.Most lenders are sitting on top a pile of cash and they are in the business of renting money. Yes, that is how they make a good profit in the banking and lending business of money. They receive money from people who deposit their money into their bank and pay them a pittance for doing so and then they rent that money out to people like me and you for a profit. It is a very simple formula. Once I understood that banks were nothing more than renters of money it became a very simple formula to understand.But since the Fed’s have changed the rules and told the banks they must be more prudent in their renting of money the banks have become more conservative in the way they rent out their money, but they still are in the business of renting money.In the old days before the Fed’s came to town and changed the rules on renting money an individual could buy a business with 20% down and the bank loaning the remaining 80%. Sometimes the bank would keep the note themselves and earn the high interest rate they were charging for the renting of the money or sometimes they would sell it off to the SBA and only retain a portion of the loan thereby allowing them to keep money in their bank and repeat the process again and again. Either way it was a good deal for the individual that needed a loan to buy themselves a business.Now though the rules have changed and if you have spoken to a lender recently you would then understand that they will are still willing to loan you money for that business you wanted to buy, BUT it better have a solid cash flow and they are not going to loan 80% of the purchase price. No, more than likely they are going to be willing to loan you maybe 50% to 60% of the purchase price of the business.But wait you say. I don’t have much money! Heck, if I was buying a business for $500,000.00 then instead of having to come up with $100,000.00 (20%) now I have to come up with $200,000.00 to $250,000.00. That is crazy I don’t have that kind of money. Doesn’t the bank understand that I have good credit, this is a good business, there are no jobs to be had in the market place and if I had that kind of money I probably wouldn’t be in the situation that I am now?Well to begin the bank doesn’t really care about any of that. All they are concerned about is keeping their job. So it is better to tell you no and keep their job than to make a loan to you that could get them in trouble and they lose their job and then they would be just like you (except they wouldn’t have as much money saved as you have) so this is what we call a lender making a career decision. It is easier not to make the loan and keep their job rather than to take a chance on making the wrong loan and possibly losing their job. (I actually had a bank President tell me that one time). But I am straying from the point.The point is since there are new rules and the banks want more money down and you don’t have the money how do you get the loan? The answer is right in front of us. We are going to get the additional capital we need from the seller of the business. He should be aware of how difficult it is to get a loan in today’s marketplace and if he isn’t he must have been living without a TV or access to the internet to see what has been going on with our banking system. But just in case the Seller of the business is not cognizant of what is happening in today’s marketplace in regard to the lending environment then I would ask the Seller of the business to go visit his local and long established banker to ask him for a loan to refinance his business. Yes, have the Seller go down to his old banker buddy who he has had a long relationship with and have him ask him how much money he would loan him against HIS business. Now remember this is a business that is a good business and has been up and running for quite a while. This is what we would call a reality check, because the Seller of the business will find out real quick what is going on in the world of lending for businesses. Hey, if I am wrong about this then great everyone gets the loan they wanting and you can totally disregard this article. But I don’t think I am wrong on this one.But back to getting that loan. Here again it is really simple math. First go talk to some lenders and find out what is their criteria for the loaning money for a business. Some will want 30% or 40% or maybe 50% as a down payment towards the purchase of a business. Don’t argue with them just get the details. Then work your formula backwards and when you have found the business you are interested in explain to the Seller that you are a qualified Buyer and that you have the needed funds available to purchase the business with the normal amount of funds needed being 20% and that in today’s marketplace that lenders are requiring 35% as a down payment and you will need the Seller to carry 15% of the purchase for a limited time. By this I mean have the 15% amortized over the same time period as the lender is requesting, but agree to refinance the 15% in a shorter term like 3 or 5 years from the date of the purchase of the business.Some Sellers will not like this idea and will not go along with it, but a Seller who wants or needs to sell their business understands that it is much better to get the bulk of their money now and have the business sold than to just sit and wait and hope that things are going to change later and still not sell the business.Good luck and give this idea a try if you are really serious about buying yourself a business and enjoy the journey. It is all great.