Fashion has become one of the largest industries of the world and millions of women depend on fashion to help them look their best in every situation. It is easier than you think to be influenced by women’s clothing today, some of us may not even realize we are being influenced; fashion is everywhere we look today. The top designers like Elan International and celebrities are the biggest promoters of new styles and once it hits the media, these casual wear fashions spread like wild fire to the rest of the population. You too can easily create your own style with casual clothing trends for 2011, and save money while you do so.

Dresses for women and skirts for women are at the top of everyone’s list this spring. There is nothing better than getting rid of your bulky winter fashions to trade up for something light and airy like a white dress for the spring. If you are not sure how to wear these dresses for women consider a great layering option like a cropped sweater or jacket to help you create a sophisticated look. In regards to the skirts for women, casual tops come in large varieties of fabrics and colors and what this means for you is the ultimate choice. Fashion tops can range from the traditional t-shirt to the off the shoulder tops that have been sweeping the nation today. The choice is yours; that is the entire point of casual clothing today. Elan International has a great selection of dresses and skirts for women that can be accented with the right fashion tops and fashion accessories to create absolutely any type of style you want.

However, if you are not much of a dress or skirt girl, you can always browse through the collection of polo shirts and blazers available by Elan International through online retailers. The key to finding the perfect casual top or jacket for yourself is to make sure it fits perfectly, not too tight and not too big, if you need to have it tailored it will be worth it. For a preppy wardrobe fan, a tie is an essential item that they just cannot do without. Fashion accessories for women such as hand bags and belts can take any casual wear outfit and turn it into something new each and every time.

If you have a unique sense of style and want to stand out of the crowd, scene casual clothing will definitely suit your sensibility. This type of women’s clothing is meant for those who like the combination of bold and funky outfits and are ready to break away from the outlined fashion trends. Prints for casual tops and skinny fit for pants for women are two main aspects of bold fashions that anyone willing to take a risk can easily pull off. The best part is that you do not need to blow money on branded clothes to get this look; Elan International has everything you need at great prices.

Talking about fashionable women’s casual clothing can hardly wrap up the topic without a mention of mini dresses for women, denims, jackets, sweaters and fashion tops. All of these are available at Elan International and at dirt cheap prices.

An increasing number of men and women have expressed a personal preference for this type of jewelry; with many men preferring it because it is not as glitzy as the traditional yellow gold rings. More men and women are now choosing white gold rings for either an engagement or wedding.

When white gold rings are made, another type metal such nickel or silver will be blended with the gold. For instance, an 18K ring would contain 75% gold and 25% of another metal. The reason why another alloy is mixed in is because white is not a natural gold color. Once the metal is added it will become white. The metal blend is normally given a coat of rhodium to bring out the white color. Another reason why metals are mixed in is that 24K or pure gold, needs to be blended with other metals so that it will harden.

White gold rings are moderately priced so many people will find them quite affordable. Yellow gold rings and platinum rings tend to be more costly. The appealing look of this striking jewelry makes them very popular with many ring experts describing them as sophisticated and modern looking. Today, many young couples are choosing white gold rings for their engagements and weddings. They are also very stylish and go well with many types of outfits, whether they are worn for a casual occasion or a formal occasion.

There are a number of benefits to wearing white gold rings. They display the diamond in a more attractive setting than the traditional yellow gold. The gold does not affect the cut and clarity of the diamond. The diamond looks stunning against the gold. They can also handle the wear and tear of everyday activities because they are more durable and scratch resistant. You will worry less about damage and the ring will require less maintenance. However, over a long period of continuously being worn on a daily basis, the white can start to change to a yellowish green. It can also become dull looking. If this happens, you should take it to a jeweler so that it can be re-coated.

Today, there are a wide variety of different types and styles of this stunning jewelry that contain beautiful gemstones such as diamonds. Whether it is for an engagement, wedding, any other special occasion, or to add as an accessory to a trendy outfit, a white gold ring will continue to be the original leader in ring choices.

Gold rings are an elegant addition to any hand. They look beautiful and enhance the beauty and shape of the hand. That is why gold rings are some of the most popular purchases made by people.

You will find a large variety of gold rings in the market. The most commonly sought after rings are engagement rings and wedding rings. Engagement rings are generally gem studded. They may hold one large stone at the center or may have an elaborate setting that looks stunning. On the other hand, wedding rings were plain gold bands in the past. They looked quite sober and were firm testaments of the wearer’s loyalty and faithfulness. But nowadays, you can see a proliferation of delightful styles that have converted the boring band into a circle of delight. You have plain gold bands, in yellow and white, with attractive borders and designs. Then there are two tone gold rings, where white and yellow gold are interspersed to form eye-catching designs. Of course, the plain gold ring is still a huge crowd puller, with many people opting for white or yellow bands. One of the main reasons for selecting the classic wedding ring band is the fact that these complement any jewelry and clothing style. Some couples even get plain bands and engrave their names on them. If the woman is already wearing an engagement ring, she may prefer a gold wedding ring that complements the engagement ring. Fortunately, there are enough choices out there to suit any personality and style.

These days, you can see more and more men wearing gold rings. Men’s gold rings are a little different from the typical ring for women. For one thing, men’s rings are broader and more stolid in style as compared to the delicate and thin selections that dominate the women’s style. Men’s rings typically have very simple designs whereas women’s rings are ornate and stylistic. Women love attractive stones while men go for solid gold or for birth stones like diamonds, emerald, sapphire and topaz.

These days, many people like to shop for funky gold rings. Some of the popular rings include animal rings featuring cutely decorated elephants or dolphins. These rings are embellished with stones and may even come in a variety of colors like yellow, white and burnt orange. Another favorite with women of all ages and preferences is the gold rings set with stones. While some women prefer a single large stone at the center of a design, others go for a number of stones laid out decoratively to form a beautiful pattern. When combined with matching earrings and necklaces or pendants, these gold rings can really catch the eye and make others go green with envy.

Most gold finger rings are available in 18k or 14k gold. These are durable because they contain enough quantities of alloy to ensure that the rings can withstand pressure and rough conditions. 14k gold is best for gem studded varieties. Since gold rings in 14k gold are relatively cheap, it is possible for people to buy different varieties of rings which they can mix and match as they wish.

Picking out watches isn’t always easy. You have to take into consideration all the style and color variations, in addition to feature functionality, all the while staying within your price range. Where should you begin looking? What are some popular brands to look out for? Start here for some useful suggestions!

Shopping online for them is a great way to get an idea of what you’re looking for. In the privacy of your own home, you can ponder what style or functionality you’d like, without pushy sales people staring you down.

Once you figure out style, brand and price range, you can go into a store with an idea of what you want. If you want a watch site that compares several other sites, check out Bizrate. For discounted ones, Overstock is a popular site with great selection.

In the stores, what brands should you look for? First, consider your budget. Are you looking for a $29,000 new one or a $20 Catalog watch? For high-end watches priced in the thousands, check out Cartier, Breitling, Omega, Universal Geneve, Jacques Lemans and Tag Heuer.

For watches in the hundreds price range, you can get a good deal on a Movado, Bulova, Gucci, Citizen, or Invicta. Occasionally you can find some Tag Heuers and Omegas in this price range as well. In the lower hundreds, Seiko, Calvin Klein and Hugo Boss offer classy styles.

Perhaps you’re looking for a good gift watch that doubles as a piece of jewelry. If you’re on a strict budget, start with department stores. For instance, at Macy’s, you could buy a women’s Fossil bracelet watch with a sparkling Swarvoski crystal and stainless steel band, a diamond marker and Mother of Pearl inlay for $57 and get a bonus diamond accent pendant gift with your watch purchase for an additional $49.

However, if you’re looking to really impress for that special occasion, you will want to begin looking for jewelry watches at a jewelers like Zales, Kay’s or Littman’s. You could get a stainless steel ladies Bulova watch with diamond inlays for $300 (or $20/month) at Zales, with a pink sapphire ring bonus gift for an extra $30.

Tiffany and Company is world renowned as being the quintessential jewelry watch, but expect to pay in the thousands. If you’re looking for the extreme in high-end jewelry watches, you will have to visit New York City or Toronto to find an authorized dealer in North America.

Warranties vary as much as the colors, shapes and functions of the various watches you’ll be looking at, so be sure you’re getting a good deal all around. Most inexpensive watches will give you a one to two year warranty, but when you’re buying watches with jewel inlays, you should be getting a more secure service plan. Nothing’s worse than losing a diamond accent, but it happens! Also, when shopping online, be wary of deals that seem “too good to be true” — because they probably are!

Fossil watch is considered exciting in terms of technology as well as fashion and they are available in an array of designs in the market. Fossil watch is dominating the watch market since 1980s and their main objective is to combine old looks with the latest technology. Watches made under this brand are considered durable as they have many years of experience manufacturing watches. They are one of the watches that can withstand the daily jerks and scratches that a watch has to go through. If you are pursuing buying a watch that is a combination of great looks, durability and the latest technology, fossil watch can be the best choice.

There are many watch companies in the market that were not watch companies from the very beginning. They entered into this market because they saw that the demand for designer watches have increased and people prefer varieties to durability. Yet there are a large percentage of people worldwide who want to have a real combo of technology and durability. However, many brands are just fashion symbols and when you are looking for the real choice, consider all pros and cons. It also depends on your budget and usability what you choose.

There is yet another option if you are ready to spend some more dollars and these are jewelry watches. These watches come in different forms. The first one that will come in your mind is watch that has diamonds and precious stones embedded. But actual jewelry watches are those that are made entirely of gold or silver or so on. A gold watch can be considered under the category of jewelry watches and that can be a perfect gift for your beloved on special occasions.

Another thing that cannot be mistaken is that there are no jewelry watches for men. In fact, these days men pay attention to their outfits and fashion accessories a lot and so the designers and manufacturers work on that to bring good and attractive products in this range. Shop around and find quotes and then compare them to end with a great buy.

When it comes to buying gifts for women, jewelry is one of the top choices. Of course you can always give candy or flowers, but these things are temporary. They only last a short amount of time. Jewelry, on the other hand, can last forever.

So let’s say you decide to buy a piece of jewelry as a gift for someone you care about; then you have to decide what type of jewelry to purchase.

Every woman has her own tastes and preferences. If you do not already know what she likes, look for these cues and see if you can decide what would be best:

Earrings- Earrings often work best for women who like to wear their hair up. When they wear their hair up they give the opportunity to highlight earrings whether they are studs or long earrings. Earrings do not work well for women with young children who will be attracted to the earrings and pull on them while they are still in their mothers’ ears.

Necklaces- Necklaces look great on most women. Most women wear tops with a scoop or v neck that offers the perfect showcase for a beautiful necklace. They are not for all women, though. Some women prefer not to wear necklaces because they have larger chests. Women with larger bust lines might run into the problem of a necklace falling right into their cleavage and drawing too much attention there.

Bracelets- Bracelets can be worn by most women and look beautiful. Bracelets are a less commonly worn piece of jewelry, though. They make an outfit look much fancier, so when going for a casual look women often leave the bracelet out of their outfit.

Rings- Rings are one of the most popular pieces of jewelry for women. Unmarried women often wear rings on both hands, while married women primarily wear extra rings on their right hand. Rings can dress up an outfit, or can keep an outfit casual as well depending on the type of setting and stone that you choose.

Before making a choice, try to watch the habits of the person you are looking to purchase for. If she often wears rings or often wears necklaces, that may be because those are the pieces of jewelry that she likes best. But check her jewelry stash to make sure. She may not wear necklaces simply because she does not have any that she likes.

Jewelry is a great choice when looking for a gift to give to a woman you care about. To make sure you get the best gift for her personally, watch her habits, and look for the things mentioned in the list above. You will be sure to make a great choice!

Turquoise has been described as the 2017 color of the year by Pantone. To be exact it is the color Pantone 15- 5519. And Pantone describes this turquoise as an inviting, luminous hue. There is something yes truly illuminating about turquoise. ‘Illuminating’ seems to be the right word. Turquoise doesn’t sparkle. Instead it illuminates and it is a color that can seduce too. But ‘seduce’ may not be the right word either. Scarlet reds and maybe blacks seduce but turquoise, a color of the sea, a color linked to Caribbean, Mediterranean waters calms and excites and illuminates rather than seduces.

Other words used by pantone for turquoise are tranquil and exciting. These might seem contradictory terms. But the effect of color is contradictory and actually there might be nothing contradictory at all in calling a color, both exciting and tranquil.

Still how can one truly describe the effect of colors? But the effect of colors is important. In fashion, colors can be used to electrify and excite e.g if turquoise was used with a metallic look or a certain type of fabric eg Mesh. Or it can be calming like with cotton. Anyway let’s not dig a hole.

Effects are important. The right effect is important for fashion. So turquoise should be used to create the right fashion effect and for 2017, Pantone is perhaps saying that turquoise is a color that can do this for 2017.

Turquoise is just a color and it needs to be used to create the right looks, and the right look needs the right fabric, style/design and also perhaps the right patterns, where the turquoise hue is part of a pattern e.g. with whites and other lighter hues or perhaps with more powerful hues like red.

One can perhaps imagine turquoise as having that loose effect, loose feel, effect. Perhaps it can be described as a color suitable for casual wear but to be more exact, it is a color for Spring and Summer where the casual look is important. It is suitable for the world of the beach or clubs, the afternoons where the sun shines and people rid themselves of coats and heavy jackets and color is important.

Imagine the drapy turquoise chemise dress, the drapy turquoise t-shirt and there the more fitted looks, the tight looks which accent the body, And turquoise is the sea color, the color of beaches, spring/ summer afternoons. It can be used for the popular gypsy dresses and the popular 70s styles which are in vogue. And turquoise is of course an illuminating color which means too that it is a powerful color so a simple turquoise chemise dress might be the right look. One might need subtle designs. Turquoise is a pure, simple color but powerful too and one might just need another color/hue for contrast e.g. white. And then there is black which combined with turquoise can create an edgy, stylish look. And one can move into the world of prints but here the effect of turquoise might be lost when combined with reds, purples, violets. Imagine the turquoise dress, shirt worn on the beach. One doesn’t really need a red, purple contrast hue with it. There is also turquoise combined with a green hue. Yes turquoise can be merged with other colors/hues to create interesting prints but this is really another area completely.

Turquoise can be used for different social functions/gatherings/parties. There are obviously different types of occasions. There is the beach party, the afternoon gathering too and turquoise is ‘there for that’. Turquoise can be imagined as a ‘t-shirt’ color, a dress color but it can be used as the skirt color in a separate look with another hue for the top area.

So turquoise can be used to create the cool warrior look. Think of a cool warrior walking along the sea. Actually a cool ‘girl’ warrior look because in the fashion world, warriors are usually women. The cool warrior wears the cool turquoise. And the warrior wears a dress but there is an edginess about the look. It is an edgy warrior look. Maybe there is a short turquoise chemise dress. The shoulders are shown and there is a purity about the turquoise here The emphasis is on the effect turquoise brings across. Yes turquoise is one color that can be used to style apparel for the months of sun; the seasons of sun, spring and summer.

Believe it or not, women are not the only obsessed with handbags, earrings and necklaces. Watches have joined up on that fashion accessory ride as well. Watches can be worn by everyone, and usually, women prefer a slim instead of a big bulky gold watch, while men prefer the exact opposite. Most men normally wear big watches nowadays, and more specifically, either a silver or gold watch is the standard.

Nevertheless, the number of people wearing watches has decreased over time due to the increasing popularity of iPods and cell phones that have replaced them. Instead of wearing a watch, they can just have one of those with them and be aware of the time through them. Then again, the fact that they are no longer a necessity has pushed watches to become more of a fashion accessory than they ever were before.

Gold watches are really favored by men because they make them look wealthier than they really are. On the other hand, some men are wearing a gold watch that is actually made from gold, and in that case, chances are that they are rich. Just like women, men can spend a lot of money and time trying to find a beautiful watch that they can wear, because they too are into fashion accessories. Just like women, men want watches that will look good on them when they are wearing them.

Even though there is no specific way to find a watch that a man would like, there are not as many styles to choose from. The most popular men’s watches mainly come in either silver or gold, unlike women’s watches which may include hundreds or even thousands of different combinations. This makes men’s life a bit easier than women’s when it comes to choosing a watch.

Unfortunately, since people tend to wear less watches than before, unless if it’s for fashion, watch manufacturers are slowly losing their customers, and do not keep up with the latest fashion trends styles. I guess it all comes down to money right? If a gold watch manufacturer doesn’t sell as much anymore, why would they produce more? The good thing is that some women have started leaning towards men’s watches which basically increases the target market for watchmakers!

When it comes to the hottest in girls’ fashions for ages 2 to 6, mix and match is out and coordinated looks are in. This means girls who are styling have the bases covered from head to toe.

Getting a handle on just what coordinated means is a little tricky for parents who aren’t hip on the fashion scene. For an outfit to really dazzle, it needs to have a few extra components to make sure it’s done up just right. When the following special touches are included, here are some children’s designer clothing that fits the style trend to the letter:

  • Boutique dresses: Tops and bottoms or dresses. From pretty neutrals and bright pastels to funky prints, these need to offer a style that’s all their own. Tops and bottoms must match or complement extremely well to fit the trends in little girls’ style.
  • Hair accessories. Bandanas, bows, bands, hair ties and even kerchiefs need to complement the look. While after-the-fact accessory buys can work, the most standout of hairpieces match the tops, bottoms or dresses with the exact same colors or prints. Don’t underestimate the impact these have on tying a style all together.
  • Totes. Little girls just love little purses. When style matters, these absolutely have to match. After purchases work very well, especially when they’re designed to go with shoes. Still, there is something particularly distinct about totes and purses that match the materials of tops and bottoms.
  • Shoes, socks. Most coordinated fashions for girls 2 to 6 don’t come with footwear to match, but choosing carefully really tops off the look. Select colors that match or go with neutrals that fit and style.

Some of the hottest types coordinated fashions for children’s designer clothing include:

  • Camouflage outfits. Move over little boys, there are new commandos in town. Little girls just love adding their own style to camouflage. Add in a little lace, ribbons or bows and they’re ready to make a statement that’s all their own.
  • Fun and funky prints. Jungle, party, abstract prints and more are all on the in list along with much more. The bright and bolder, generally the better. When offset with the right coordinates, these really please the little girl who likes to stand out from the crowd.
  • Delicate patterns. Set in pastels and just barely noticeable, delicate patterns and prints make a subtle statement that’s just right for sophisticated tastes.
  • Spectacular solids with just the right embellishments. The sleek sophistication of solid colors is not missed in little girl trends. When the right embellishments are added, such as appliqués or ruffles, she’ll look like a princess.

Every year around this time all the Glam and Style magazines are a buzz as to what the designers unveiled at “fashion week”. 2007 seems to be no exception, as women everywhere want to know what fabrics, textures, colors and accessories are hot. Although spring has just begun, this article will discuss the new fashion styles already exploding on the scene.

With so many fashion designers out there, they don’t always seem to agree on all the new fashion styles presented on the runway. One thing they do agree on is the “preppy/prissy look”. To achieve this look, wear an Oxford shirt with either a tennis skirt (Yes! They are back in style) or a mini skirt (but not too MINI, so where as each step you take reveals what God gave you). If you really want to achieve this look, add a color coordinated tailored blazer. Topping the look off with a pair of strappy or chuncky sandals. For the more athletic look, wear a bright colored tank tee with a fresh pair of cool sneakers.

Another unanimous inclusion to this year’s fashion style is embellishment. Done the wrong way and embellished clothing spells DISASTER. The way to avoid this is by finding monochromatic pieces. This meaning clothing with diamond studs, beads, etcetera with a single color. Favorites the designers love are silver, copper and bronze. Most popular are the blouses or dresses adorned with crystals, beads or even edgy studs that move freely and flow fashionably on the body. When you find a blouse or a dress that is simply “to die for”, go for the total “glam look” by adding a pair of strappy or chunky high heels and a matching handbag.

Patent leather has resurfaced as another hot material. It’s popping up on more than just accessories this season. You can find patent leather coats, skirts, purses and shoes. The “new patent leather” gives a boost of high gloss finish anywhere it presents itself. However, you must keep in mind to make sure to keep it simple when wearing this material, so not to have it clash with other textures that are also on the scene.

Finally, the finishing touch….accessories. Statement jewels are all the rave this season. Showing up on everyone who is anyone, from New York, NY to Milan. Bangles on one or both wrists will make any ensemble you put on, sizzle with pizazz! (Most designers recommend gold, it never goes out of style) If bangles aren’t for you, you may feel more comfortable in a big bold necklace with matching earrings (something with spring colors that compliment what you are wearing). Embellished handbags are always a bonus.

These are just SOME of the new fashion styles hitting all major and minor department stores worldwide. With all the different designers, styles, prints, textures and colors, it’s enough to have you feeling overwhelmed. With a little time and practice, you be able to pick out the perfect ensemble and accessories in an instant! A guarantee to feel as beautiful as you will look!!

In a world extraordinarily focused on outward appearance, we need only to open a magazine or turn on our televisions to see the latest and greatest fashion trend; it walks the red carpet, checks out a movie premier, and heads out nightly to the hottest restaurants. And we, as a society always mindful of what’s popular, follows dutifully along, eager to purchase the “must have” item of the season. But, ultimately, the fashion style that works best for us is that which looks good on our particular body and reflects our very individual personality.

As anyone who follows the fashion industry will tell you, trends come and go. What is one year’s hot item is the next season’s fashion “don’t.” Designers present their newest lines and before you know it stores are carrying these clothes in every conceivable variation. And then, just as quickly, they’re gone. It’s almost impossible to keep pace. Luckily, the fashion style that makes the most sense on an individual level is the fashion style that reflects who we are as people; and that never goes out of style.

The most important thing to remember is that just because a particular fashion style is popular at the moment does not mean that it will look good on your particular body. Wearing something just for the sake of wearing it ultimately goes against the principles of fashion. A fashion style that you choose to wear should be something that accentuates your positives, downplays your negatives, and complements the overall line of your body.

Take the time to get to know your body and what styles work best with it. Assess your body objectively; if you have trouble spots, look for cuts and fabrics that camouflage what you need them to camouflage; if you are on the shorter side, look for a fashion style that elongates your body; and always choose colors that complement your skin tone.

Once you find a style that works – stick with it and add your personal touches to reflect your personality; that is the best fashion style you can possibly wear.

There are quite a few varieties of fashion shoe and handbag styles, but some are better known than others. Coach shoes and handbags are among the more well-known, and some of the other famous brands include Yves Saint Laurent and Marc Jacobs. Status handbags are more expensive than others, but designer handbags are something that many women like to splurge on, to make themselves feel good.

Marc Jacobs tweed bags show that the 80’s can still be fun if we remember them fondly. This company truly understands the retro influence on fashion, and each creation is proof that Jacobs is a quirky genius as a designer.

Muse bags are made by Yves Saint Laurent, and they make many accessories as well, for women looking for a chic flair. Muse merges different styles into feminine and unique bags and accessories that are sure to compliment women’s active lifestyles. These bags are playful and a little sexy, and they make handbags in many different sizes.

Coach is possibly the best known designer of handbags and shoes. Coach heels and Coach boots are among the most highly favored of the designer shoes available, and this brand combines logic and magic to create shoes and handbags that are obviously made of quality materials with good value and an American style that is distinctive and inspirational. Each pair of Coach sneakers or Coach heels reflects the attributes of the Coach brand.

Coach shoes are not normally available at discount prices, because they are top sellers without needing to lower prices. They offer excellent service that will make sure your needs as a customer are met. They treat customers buying Coach shoes like guests, and they like to establish relationships for the long term, based on satisfaction and trust.

Designer shoes like Coach heels are symbols of design and luxury in one. Amid the many brands available, it’s no mistake that so many people clamor for Coach shoes. Seldom seen at a discount, they are nonetheless snatched up at a fast pace.

The success of Coach shoes and Coach boots, as well as their well-known handbags, shows off their devotion to fairness and honesty, as concerning their own business as well as the communities they are located in. The company stands behind Coach shoes, Coach sneakers and handbags, because they realize that their reputation is reflected in everything they make.

You can find Coach boots and Coach heels at retail stores and sites online. Originally their handbags were made from the same leather used for baseball gloves. Now there are so many styles of Coach shoes, too, that you are never at a loss, regardless of the occasion. They use other materials in addition to leather now, to craft their fine Coach boots and Coach shoes. Available in every fabric and style you might want, Coach shoes are the toast of the town. While their most current collection tends to show off many casual espadrilles, flip-flops and sandals, you can also find the Coach name on excellently-designed sandals and stilettos. You’ll never go wrong wearing the Coach name.

From every perspective, bracelets are absolutely great adornments for fashion conscious women to make their fashion statement and infuse their personal styles with new vitality. Great bracelets can help to set you apart from the crowd. With the embellishment of gorgeous bracelets, your old outdated outfit may even obtain new glamour beyond your expectation.

Over the years, the designs and styles of bracelets have evolved a lot. Apart from the traditional silver and gold bracelets, you can also find leather wristbands, wood bangles and many other bracelets made from unique materials of distinct styles. Nowadays, personalized or customized wristbands are really popular. People like to attach pendants carrying special meaningful notes to the bracelets as their lucky wristband.

Bracelets can help to highlight one’s personality greatly. Just like clothes or any other fashion accessories, stunning bracelets do have the ability to make you stand out in the crowd and make a deep impression on others. For example, rock and roll style bracelets can reflect your bold characters and funky fashion attitude.

Generally speaking, chunky jewelry is in trend this season, while there are still many people who show their constant passion for subtle and tiny jewelry. No matter whether it is a chunky style or tiny style, it is really chic to wear several pieces of bracelets together at the same time.

You must believe that gorgeous bracelets can add great fancies to your outfit and do you a great favor to become the center of attention. However, when you select the bracelets, you should still stick to your own preference and personal style.

Have you ever wondered what a style icon is? Can a style icon actually be a fashion victim, someone who cannot help but follow all the trends all the time? This couldn’t be further from the truth! They are actually women who have the whole package: fashion style, personality and confidence. Such a person doesn’t ever follow a fashion trend but creates them.

In our days being a style icon means much more than having good taste. What you wear seems to be less important than how you wear it. But back in time style icons helped us shape the way we think about fashion and style.

One of the ladies that has re-written the book of fashion is Gabrielle “Coco” Channel. Not only has she dazzled the whole world with her creations but she is responsible for the famous “little black dress” and her famous perfume, among many other things. Jackie Kennedy might have had a tormented life but her fashion style was way ahead of her time. She was among the first women who wore jackets designed by Coco Channel with a simple pair of jeans. Another important style icon that has impressed the audience not only because of her slender figure and pixie haircut but by the simple and yet fabulous way she wore even the most common outfits is Audrey Hepburn.

In our days the style icons are many but among the first that come to mind are: Kate Moss, Michelle Obama and Sarah Jessica Parker. Their styles can be adopted by almost every woman. Having a style of their own these three powerful women are not afraid to express their personalities through the outfits that they put together. Kate Moss is famous for her sexy clothes as she can be seen wearing short pants and leather jackets most of the time when she goes out. SJP on the other hand opts for glamorous and romantic clothes that impress everyone on the red carpet. Because most of the time she appears at official meetings, Michelle Obama chooses to dress elegant and yet casual and practical. Her choice in clothes is admirable and can be an inspiration for most women.

Fashion is relative and it is the way you wear the clothes that matters. Trusting your instincts is something that you should do at all times. You can create wonderful and original outfits by choosing to wear the things that you look and feel great it!

There is no doubt regarding the assertion that jewelry can make a grand gift for special occasions. It’s is also no wonder why this time-honored custom of giving fine and fashion jewelry pieces is welcomed and cherished, as symbols of love, thoughtfulness and appreciation. Jewelry watches are one of the most thoughtful and practical of such gifts of jewelry that you can give.

The smart and wise gift giver is able to make their gift do double duty when they select a watch for the recipient. A wonderful watch that is embellished with precious metals and high-quality gemstones expresses a sentiment of caring and provides an opportunity to display that sentiment with a bit of show and style.

Indeed, such a gift will also be appreciated because it is useful, as well as adding a bit of bling to the recipient’s ensemble. For women, a white gold watch face surrounded by white, sparkling cut diamonds is a good choice. For the modern man, perhaps the black diamond, interfused with smaller white diamonds would be a perfect, avant-garde choice.
rue of the many styles and designs that obviously strive to give people the maximum amount of attention getting flash and sparkle that is so often sought out these days, by people who love to display their bling in a big way.

There is such a huge selection of styles, brands, colors, embellishments and size in watches that sometimes it can make it difficult to decide on the right one. If you are planning to buy a fashion jewelry watch for someone as a gift, then try to get some clues from them, which might make it a bit easier for you to decide which one to purchase.

When shopping for watches for someone else, try to think about the type of fine jewelry you see them wearing on a regular basis. Once you can envision their various costume jewelry or diamond jewelry pieces that they typically wear, you will have a clearer idea of their personal taste and style and can tailor your selection to match their collection.

Another great way to get some ideas about which watches might be among the top picks for your gift giving is to find an opportunity before the special occasion to visit a jewelry store together. Observe what they respond to most and which styles they seem to be most attracted to and what brings a real smile to their face when they touch and handle timepieces.

You will be able to gather a lot clues in this way. If you can’t find a way to get to the store together, then just thumbing through a catalog of fashion jewelry or browsing some internet sites will also reveal the same information if you pay attention.

You don’t have to wait around for someone to think about giving you a jewelry watch as a gift. Many people like to indulge themselves with jewelry watches simply to spruce up the wardrobe or to increase their fine jewelry collection. At the same time, these stunning timepieces are a great way to treat yourself with something nice that you know you deserve.

When you are out buying clothes for yourself not only do you want to know about what kind of clothing is in style, but you also need to find out about what is not in style. Avoiding the clothing that is not in style is easy to do, if you know what to avoid. What you need to remember is that it is not just an article of clothing that needs to be avoided in general, sometimes the piece of clothing can be worn fashionably, but there are certain things you want to avoid wearing it with.

One thing that you need to avoid is wearing high waisted jeans or any kind of high waisted pants. One of the reasons that you want to avoid these types of pants is because of how high up they go, if your belly button is pierced, it can rub against the piercing that can become very uncomfortable. Another problem is if you have any kind of bloating going on this style of pants can make the bloating seem even worse than it is, which is not very flattering at all.

Something else that you need to avoid doing is wearing a white bra with a white shirt. This needs to be avoided because you can clearly see the white bra under the white shirt; in fact, the white bra really stands out under the white shirt because the lines of the bra show directly through the shirt. When wearing a white shirt you will want to wear a nude colored bra so that the bra does not show as easily.

Not only do you need to think about the color bra you are wearing but you also need to think about the type of panties that you are wearing. With jeans you can wear just about any style of panties that you want, but stay away from thongs that stick up from the back of your jeans because it does not look very attractive. If you are wearing white pants you want to avoid wearing dark colored panties or even panties with designs on them because they will show directly through the pants. Your best choice is to wear a nude color rather than white because it will blend in better than the white will.

What you wear on your feet is also important. The worst thing you can do is wear any kind of socks with sandals, and depending on the style of sandal, you might want to avoid nylons. Thong-toed sandals or shoes should be worn without socks or nylons, while open toed and closed toed should be worn with nylons or socks. White socks with black shoes also need to be avoided.

More and more women love to use tote bags, because of their practicality and fashionable style. Usually, tote bags are designed to be in large size, which can enable people to carry more things that you may happen to buy at the supermarkets apart from basic personal necessities. For daily use, totes are top choices for women to create trendy and fashionable styles.

Generally speaking, leather is the most preferable material used to make totes. With the material of leather, the quality of the bags can be firmly ensured. Since totes are supposed to carry many things from personal stuff to unexpected items bought anywhere, the quality and durability should be seriously reliable. On the other hand, when you are buying a tote, you need to check the straps to see whether they are made of real leather and whether they can bear the weight of heavy things. If the straps fail to meet the needs, the quality of the bag should be questioned. Sometimes, you can also find tote handbags are made from cotton or canvas.

The design of totes can vary a lot. Still, regarding the practical purpose, many totes are designed with several pockets inside and outside, some with zips on them. Some totes have adjustable straps, which provide great convenience to busy women. The straps of bags in different styles are attached to the bags in different ways, some with the use of clasps and some with buckles.

Without doubt, designer totes always turn out to be top choices for women. You will have no worries about both the style and quality. However, even though the bag is flawless in design and style, you should be careful with the pairing. Only when you pair the bag with the outfit in proper way will the whole style become eye-popping.

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 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.

Fashion is more or less synonymous with females. Most women have this undying craving of dressing up according to the on going fashion trends, no matter whether it suits them well or not. Fashion trends which change almost every fortnight, are endearingly followed by the female segment of our society. However, a million dollar question remains unanswered that, where does these “Fashion Trends” exactly start from? Since most ladies pick up the trends by watching their friends and peers, the exact source of the fashion trends gets lost somewhere down the line.

The fashion trends actually start from the runways of London, Paris and New York. It is the ramp of these renowned fashion events that head starts the so called “Latest Fashion Trend” fever throughout the world. Designers persistently keep renovating the fashion styles and come up with varied designs every now and then and so does the trends in fashion markets too.

Since most of the people are unable to buy the exuberantly expensive brands showcased on the ramps, people tend to pick the reasonably priced imitations of the same. Most departmental stores copy the runway dress designs which are later sold like hot cakes in the market.

Its not just the runway shows which influence the public in general, but the celebrities too, who are considered as the style icons by youth. Youngsters imitate their favorite stars and try to dress like them in order to prove themselves fashionable enough among their friend circle. On one hand where the younger lot follow the dressing sense of celebrities like Miley Cyrus and Jamie Lynn Spears, the older lot on the other, dress as per the various popular television shows like Desperate Housewives.

There is nothing wrong in following the latest trends or styles but the trick is to copy the trends sensibly. The most important thing to remember while dressing is to maintain your own individuality within the fashionable drapes. One is not suppose to look like a carbon cut out of a runway model but the thing is to express the same style through your own self and as they say when you will be comfortable within your own skin you would indeed be making the biggest fashion statement around.

It’s been a long time since women have been actively participating in different kinds of sports. Athletic women apparel can be just simple t-shirt and shorts. Many sporty women are thought to be lesbians because of what they wear. But with the rise of the fashionable sports icon such as Maria Sharapova, women have learned to combine fashion and sports perfectly.

Even you are into “boy’s sports” or any other sports, you can still look good and fashionable. Here are some of the tips on how to balance fashion and sports.

• Putting some details on your uniform is one way of being stylish without sacrificing the total look of your uniform. You can ask your clothing suppliers to put embroidery hemlines or necklines. You can also have different designs like butterflies, flowers or whatever icon you want to put for your outfit. Other details such as ribbons or buttons that you can add to your outfit depending on the sports that you are in.

• Try new different colors to your uniform for a trendier look. Don’t be afraid to mix and match colors like pink, red and yellow with the neutral one such as black and white for more elegant mishmash. You can also make use of glittering colors like gold and silver. But don’t make use of too much color.

• The kind of design of the uniform makes it stand out. But you cannot just put designs on your uniform without taking into consideration its suitability and functionality for the game. You can play with the cuts and fabrics that will be using. Patterns are also great designs that you can include to your uniform. You can also use fabrics that have patterns that match the design that you want.

• In sports, the opportunities for you to add different accessories are limitless. Even sports attire has its appropriate accessories that you can add to your look. There are different wholesale apparel like wrist bands, brightly colored athletic tanks and other paraphernalia that will complete your outfit. Personalized accessories can also be used.

Sporty women who combine fashion and athleticism are getting much more attention nowadays. There are numerous ways that an athletic woman can achieve that striking feminine charm even in a sporty outfit, one just have to know the right mix and match of designs and styles.

Introduction

If you know that business travel is not without its risk and the potential for crisis, then you need to read this article. In this article we are going to talk about the management and containment of crisis as it relates to travelers and travel managers. The objective of this article is to share with you the collective knowledge on managing crisis and significantly improve your ability to identify and manage a crisis but also improve your business travel efficiency.

During this article I am going to discuss travel risk myths, crisis management, plans and options so you can immediately compare or improve your own travel risk management system for your travelers or travel management department.

Crisis by definition is something you didn’t have a plan for or something in which you are unprepared. Additionally, it can be a series of events that in concert create a crisis. Events or issues that occur, to which you have a plan and strategy, is merely an incident.

Crisis Management/Leadership

The first thing is to clarify what is the difference between crisis management and leadership. More importantly, which one is the more important?

Crisis management relates to the response to event/s that threaten your business, travelers or travel activity. The event leads and you follow with plans, decisions and actions.

Crisis leadership, on the other hand, is more about getting ahead of the events and issues to prevent, management and even contain the impact to your business or business travel activities. While management is a portion of the leadership demand, your actions and involvement lead the outcomes rather than a more passive wait and act approach with pure crisis management.

Crisis leadership is the less practiced of the two, but the most significant in terms of results and reduction in risk and impact. If you take nothing else away from this session, it should be that your focus should always be on Crisis Leadership, not crisis management.

Myths

There are many myths and half-truths about crisis, disruption and threats within the travel management sector. Much of this misinformation has originated from travelers themselves, media, travel managers, friends and family or so called “experts”.

For example, many travelers and planners are focused on terrorism. The reality is, you have a very, very small chance of being exposed or affected directly by a terrorist act. It doesn’t mean you should discount it as a threat altogether but it shouldn’t dominate your plans or processes if not a proportional threat to you and your travelers. Conversely, almost everyone overlooks motor vehicle accidents. Yet, they happen far more frequently, can have devastating affect on travelers and are the least common plan contained within company travel management departments.

Travelers and travel managers must be prepared, educated and have supporting plans for any event that has the potential to delay, disrupt or harm the traveler or the business.

The most common events include:

  • Motor vehicle accidents
  • Airline delays or cancellations
  • Airport closures or disruptions
  • Transport delays
  • Bad weather
  • Sickness and illness
  • Petty crimes
  • Hotel fires
  • Political disputes
  • Demonstrations and gatherings

Motor vehicle accidents within your own country can be stressful and dangerous but on an overseas business trip they can be 100 times more challenging and dangerous. Consider language, local authorities, first respond, standard of healthcare, families and support in your plans and initial response.

Airline delays and cancellations. They happen all the time but they are not just an administrative response. You may need to consider safety, transport, quarantines, security threats, government response and wide spread suspension of services to overcome the issue and maintain safety of your travelers.

Airport closures or disruptions. Failed systems, electrical problems, threats, weather, construction and so on can prevent you even getting to your flight. Consider the impact this has on your plans and how your traveler will need to possibly extend stay, move to alternate airport or find accommodation.

All other transport delays and disruptions can create crisis when everyone no longer has access to trains, buses, key roads or even water transport. Have a plan and add it to your immediate decision making process.

2010 and the commencement of 2011 has seen travel of all kind affected by natural disasters and weather. Weather and natural forces have and always will impact travelers. It does and will continue to occur. It is highly concerning how unprepared travelers and companies are for volcanic eruptions, typhoons, floods, earthquakes and general bad weather.

People get sick or feel unwell all the time. This is compounded significantly when traveling. Standard of care, language, access, cost, complications, choice and numerous other location based concerns will determine just how at risk your traveler will be. A single, “one-size-fits-all” plan or solution will fail and you need to be aware of these issues immediately with the onset of an affected traveler.

Crimes are a reality of any city in the world. However, travelers seldom know the risks and may be preyed upon by thieves and criminals. The loss of phones, money, and other items may seem less likely to constitute a crisis but when overseas, injured or not able to speak the local language, all these simple events can create a major concern for your business travelers. This can be amplified if you have a senior executive or a group of executives affected.

Hotel fires and emergencies are more common than most people think. The immediate threat to an individual is fairly obvious but the impact that the lack of accommodation choices can create from the temporary or permanent closure of a hotel is a much bigger concern. This was graphically displayed during the Mumbai terror attacks (as extra ordinary as the event was) when most of the best/preferred hotels were now unavailable in a key part of the city. This removed thousands of rooms for business travelers and forced many to cancel or significantly alter travel plans just because there were a lack of suitable accommodation options, whether affected by the events or not.

Any event that alters the political stability of a location or region or results in thousands of people out on the streets constitutes a risk to your business travel plans and travelers. They can happen spontaneously or take time to develop. The immediate dangers and the ongoing disruption can have a major impact on your business or traveler.

Again, plans, preparation and thought to these issues will greatly reduce the impact and improve your business too.

Now that we have removed the most common misconceptions, let’s focus on the management and containment of a crisis.

Crisis management

The key to successful crisis management is planning, training, plans, decision-making and adaptability.

Planning

Given the issues previously covered, you now have a better insight into how and why planning is important to remove the more emotive issues from the realities of real business threats and events.

Planning needs to include multiple departments and perspectives to be truly effective. One of the greatest weaknesses I see regularly is that departments continue to manage the risk of travel through multiple departments with multiple plans. The input and plan needs to be unified. Depending on the company, it may include travel managers, security, HR, finance, marketing, C-suite and operations.

All plans need to be continuously updated, location specific, aide in the decision-making process and modular enough have elements extracted quickly and effectively. Modern, effective plans embrace technology. Rapid, efficient access to information, along with running updates is the hallmarks of a modern sustainable plan, regardless of the size of the issue or the company.

Training

No plan is effective without training and rehearsal. Training, whether through simulations, drills or live, full-scale exercises are vital to the success of any crisis situation. Such sessions don’t need to be boring or overly complicated but must include travel managers and planners along with the more common crisis and emergency managers.

Increasingly, training is becoming a mandatory requirement for key positions and roles. It can be linked to internal HR processes but must support the business objectives and measurable on how it reduces the risk to people, business, brand and travel demands.

While the plan creates the framework for crisis decision-making, teams can learn a lot from training on how and when to adapt their plans. How the team interacts, strength, weakness, leaders, followers, limitations, tools and many more planned and surprise outcomes are possible with effective training.

Adaptations

No plan will completely script all the events, issues and options available for every plausible travel delay, disruption or crisis. You need to be able to adapt and evolve from the original plan and intention. This can only be achieved with planning, plans and training.

Solutions So what do I need in my plan?

Here is the best travel risk management content for your plan:

  • Objective(the single most important part of any travel policy)
  • References
  • Scope
  • Legal
  • Insurance
  • Finance
  • Reimbursements
  • Limits
  • Priority/precedence
  • Management Authority/ies
  • Situations

Procedure will likely cover:

  • Planning
  • Resources
  • Tools
  • Authority
  • Executive Decision making
  • Limits
  • Budgets
  • Training
  • Compliance
  • Pre-trip admin
  • Providers
  • Booking
  • Accommodation
  • Airlines
  • Ground Transport
  • Safety and Security
  • Health and wellness
  • Emergency
  • SOP/Actions on
  • Insurance
  • Travel Monitoring /tracking
  • Reporting
  • HR
  • Entitlements
  • Threat/risk levels
  • Shelter in Place
  • Relocations/evacuations
  • Management Authority
  • Review

Don’t forget your risk assessment will need to include the key elements:

  • Traveller
  • Location
  • Activity
  • Support/Resources
  • Response

Conclusion

There you have it. Now you know what is required, how do you rate your current plans and preparedness?

You now have the most relevant issues and areas to focus upon that will reduce or contain the majority of incidents you may face your travelers will be safer, your business more profitable and your costs will be contained by reducing your exposure to expensive crisis events.

We have debunked popular travel threat myths, identified the difference between crisis management and leadership, outlined plans and options so you can immediately compare or improve your own travel risk management system for your travelers or travel management department. Review your plans and make the immediate improvements.

You will know when you have an effective crisis management system for your travel risk management strategy when you have little to no crisis.

You may have numerous events or incidents but you have a plan, you’re prepared and your decision making is fast and consistent. If not, you have failed and you will run from crisis to crisis on a regular basis.

There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of this type of cover as I am – I can’t say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered by their policy.

So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about what they should look for.

Q: What should I do before going abroad?

A: Make sure you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country you’re traveling to.

Q: Should I take out travel insurance before my holiday?

A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable medical cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.

If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.

Q: Should I be looking at single trip or annual multi trip travel insurance?

A: Only you can answer that really – although single trip is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, annual multi trip travel insurance will cover you for the whole year on various breaks, making it the choice if you think you’re likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!

Q: What sort of reason for cancellation is valid to ensure cover?

A: As long as your reason is within the scope of cover provided by your policy, then you should be entitled to claim in most cases. Legitimate reasons for cancelling your trip could include an illness or death in the family (as defined by your policy), freak weather conditions suspending travel for 24 hours, burglary or damage to your home, being a victim of criminal assault resulting in you being medically unable to travel, being called up for emergency military service or jury duty (subject to the specific terms and conditions of the policy). Likewise, if the hotel or resort (for independent travelers) you’re due to visit suffers from a terrorist attack in the days leading up to your travel, you will generally be able to claim.

Q: Who pays if I need to be hospitalized overseas or flown back to the UK?

A: If you have proper cover, the travel insurance company should pay such fees. If not, the cost will fall to you or your relatives and friends.

Q: Is a European Health Insurance Card (EHIC) the same as health insurance?

A: No. The free European Health Insurance Card shows that the holder is entitled to reduced or free emergency care only within the EU. You will still need travel insurance to ensure you will be covered fully in the event of illness or injury. The EHIC card will help though, by reducing your initial outlay before you can be reimbursed by your insurance company.

Q: Is my pre existing medical condition a big issue?

A: Generally, yes. Check the wording of your policy to ensure it covers pre-existing medical conditions. Often they’re not covered unless you pay an extra premium, and if you fail to declare your condition when you buy your cover, you’ll be unable to claim on it. As always the key advice here is to check the policy wording with a fine tooth comb.

Q: How can I find out whether it is safe to travel to a particular country?

A: It is strongly advised that you check the FCO Travel Advice section of their website. This information is regularly updated and should give you solid advice on where is and is not safe to travel (remember, areas officially outlined as ‘unsafe’ will seldom be covered by travel insurance policies).

Q: Is it safe to travel after a terrorist attack overseas?

A: Unfortunately, there is no such thing as risk-free travel, and the absence of advice against travel to a particular country or area does not imply that the FCO guarantees safety in that country or area.

I hope this travel insurance FAQ has proved useful – it’s only really scratching the service and each policy is different, but with this advice you should be in a better position to shop around, next time you need to purchase travel insurance.

Working with outstanding Phoenix real estate agents is one of the best ways to find the perfect Phoenix homes that will best meet you and your family’s needs. Once a Phoenix realtor understands the type of property you wish to purchase, he or she will apply that criteria when searching every Phoenix real estate listing until the best property matches are found, thus saving you time and money. As you begin settling in, you will have ample opportunities to explore this beautiful city. Phoenix is home to several prominent architects whose talent is on display in remarkable buildings in Phoenix that they have designed.

Phoenix-based Gould Evans Associates, LC + Wendell Burnett Architects were honored with the 2007 American Institute Honor Awards for Architecture for their design of the Palo Verde Library/Maryvale Community Center owned by the City of Phoenix. The connection of the mind and body was used as a design theme that features two equally sized “volumes,” which are lit at the bottom and top, so you can see the activity going on inside from the outside. The library is housed in one side, and the gymnasium in the other. Care was taken to incorporate “green” building products, including floor tile made from recycled tires and cork, while walls were made from oriented strand board made from recycled wood. Formaldehyde-free insulation was also used.

The award-winning Phoenix architectural firm of richard + bauer Architecture was the design organization that created the Meinel Optical Science Research Building for the University of Arizona in Tucson. Principals James Richard, Kelly Bauer, and Stephen Kennedy’s building features a concrete wall that is covered with red-bronze copper treatment to relate in tone to bricks used on the campus. To give the feeling of a darkroom, openings allow light into the building, and the light plays off the rooms within. For their work on this important building, richard + bauer Architecture were also awarded the 2007 American Institute of Architects Honor Award.

There still occasionally come on the Phoenix market vintage homes designed by Ralph Haver. Haver was a prominent Phoenix architect in the 1950s who made his mark in contemporary-styled single-family homes. His designs often feature window walls, clerestories, beam ceilings, carports rather than garages and a low pitch to the front facing gable roof style.

Probably the most famous architect in American history has his foundation in Scottsdale, and that is Frank Lloyd Wright. Known for organic architecture that allows the building to fit into the context that the land itself provides, Taliesin West in Scottsdale is where Wright had his home, his studio, and was the site of his architectural school. Archives of Wright’s work are housed at the Foundation as well.