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The internet has brought about great improvement in the way business is done nowadays. Earlier traditional methods used to stay in touch with clients has changed. With the advance in technology, it has become easier to conduct business online and get more profits in return. An online web presence not only makes a huge difference to your business but it also helps in promoting it on a global level.Social media has opened new opportunities to business owners. You can target your audience and get in touch with them faster and more direct. Starting an online business is definitely a wise decision. There are no requirements to start online business, apart from the fact that you have to make your business visible for people to see and find you. There are lots of ways to do that. You can either create a website for your business, which is simple and effective, or you can also make the use of Facebook to target your audience. Facebook allows you to create fan pages as well as ads that will redirect the visitors back to your site thus boosting the traffic towards your business. It depends entirely on how you market your services online, which offers multiple ways of making fast money.So if you are interested to start online business, here are a few benefits from doing so:Freedom – In an online business, you are the boss. There is no one to direct or control you. You are free to make your own decisions and decide your working hours. In an online business, you are open 24 hours, 7 days a week, 365 days a year therefore increasing your earning potential from anywhere. You can sit and do whatever you wish. You can devote as many hours you want. There is no need to spend a fixed number of hours, by creating a simple yet effective marketing plan, you can choose the amount of hours you want, based on your schedule.Personal growth – With an online business, you can learn a lot. Every day you will come across something new that you will want to try. A tool that may be beneficial to the growth of your business. Unless you try, you won’t understand how it can be incorporated in your business and what the outcome may be. There are plenty of opportunities to grow and expand your business. By researching online promotion techniques, or even taking an SEO class, you will benefit greatly personally, and in your business.No to low start-up cost – To start online business, there are no specific requirements. All you need is a laptop or desktop computer and an internet connection. As compared to the offline business or brick and mortar, you need a proper place to conduct the business, insurance and benefits for the employees and staff to handle the customers. This can increase the overall cost which is greatly reduced in an online business. You can hire freelancers and pay them according to the work they do. This is quite inexpensive, but is rewarding.Get connected to social media – Social media brings countless benefits to your business. It has become a popular platform for people to connect and is worldwide. The top networking sites like Facebook and Twitter help you to connect to your customers on a daily basis and let them know about newly launched products or services and specials. There is no need to individually connect to every person but a group message is often effective. Creating fan pages and tweeting are the best way to spread information and people come to you.To start online business is simple but you have to put in effort to create a product or service that is marketable. You can’t just do whatever you like but, you will need to plan as well as use of excellent marketing strategies. That is why it is beneficial to gather information from books, or other successful online business to start an online business. Without the direction or good information you will just waste your time. Perhaps talk to an expert to establish and start your business. Their expertise can be very helpful in making the right decision for the business. Once you get familiar, you will be able to manage it well.Before starting your business, you will have to devote time in exploring the trends of online business and your audience.What are acceptable business practices? And also,What are the costs involved?There are great benefits with an online business if established properly. You will see income generate on an automated level. You probably won’t see results on the very first day, so be patient. When you start online business, it is essential to stay up to date with the changing technology as to not miss out on potential business opportunities.

What is Fashion Trend Forecasting?Fashion trend forecasting also known as fashion forecasting is the study that focuses on current fashion and predicts the future and upcoming trends. A forecaster focuses on certain key elements like color, fabric, texture, print, graphics, etc. to predict future trends relating to the industry. It applies to all fields of the fashion industry, be it street clothes, ready-to-wear clothes or of any other type. Trend forecasters focus not only on this industry, but also takes into account the viability of other important industries like – automobile, food, literature and home furnishings, etc. to predict the future trend in fashion.Factors determining the trends:Popular fashion also called pop fashion, is a volatile market and depends on several external factors. Some of the factors which heavily influence the future trends are-

Color and Fabric – These are the two most important factors affecting the industry. The forecasters heavily use these two factors to predict the future of fashion.

Celebrities – This is probably the most influential factor determining the future trends. The Red Carpet is the place to look upon for future trends in fashion.

The economy of a country – The economy of a country and how much profit the fashion industry incurs in a particular fiscal year also helps in forecasting future trends about fashion design.

These are the most influential factors that determine the future of fashion. Apart from these factors, there are several other socioeconomic reasons that influence the fashion world in a positive or negative way.Long term forecasting VS Short term Forecasting:Long term forecasting evaluates certain trends and looks into the past for sources of information. The fashion forecasting in case of long term forecasting lasts over 2 years. Several factors like demographics, climate, major international incidents, consumer expectations, etc heavily influence long term fashion trend forecasting. Long term forecasting is generally carried out by specialized marketing consultants who have certain experience in the field.Short term forecasting, also known as fad forecasting specializes mainly in predicting near about changes in the future of fashion design. Short term forecasting relies heavily on pop culture and celebrity wear. Certain events like art events, major sports events, some scientific changes also help in short term fashion trend forecasting.Importance -Fashion trend forecasting is very important in the modern world of internet connectivity and accessibility. Without correct and certain forecasts about the fashion world, the production of dresses can be hampered and thus the economy of certain companies can dwindle. Fashion trend forecasting is also very important from a company’s perspective. Not only the forecast helps in mass production but also they affect the overall image of the organization. In this fast era, mistakes in fashion can be very dangerous and harmful.Responsibility of trend forecasting for a company-As earlier said, fashion trends heavily influence the economy of a certain organization. Also, the prediction of future trends is a very important role. Women’s fashion is very volatile and changes every few days, unlike men’s fashion which changes only due to a certain specific event. Major companies have their dedicated fashion team that is responsible for forecasting the future possible trends. Marketing experts also play an important role in forecasting future trends. They set up customized advertisements that set up a stronger foothold for a certain type of fashion.ion.

1.) Programmable Thermostat: OK, so we know that this particular home improvement project doesn’t add anything aesthetically to your home design, but let’s be honest- trimming around 5-10% a year off your heating/cooling bill, plus allowing you more control over the interior temperature, all while getting a new high-tech gadget is a win-win-win-win situation. A programmable thermostat allows you to avoid ever having to come home to a sweltering heat after a long day of work. It allows you piece of mind when leaving pets at home, no matter how hot it is outside. Coming in at around $75-$120 to have one installed for you- it’s truly an incredibly cost-effective way to make sure you get the most comfort possible out of your home. HouseLogic.Com has some pretty good information on choosing what type of thermostat will suit your needs. And no need to fear! Programmable thermostats (like most other electronic devices in our day-and-age) have become more and more user-friendly and easy to operate.2.) Add a Splash of Color with an Accent Wall:Painting an entire wall can be a nightmare (believe me, we know), and after a long week of work, the prospect of taking on such an overwhelming and exhausting task inevitably leads to a room that stays that same old neutral beige. Well- here’s a compromise. How about an accent wall? The difference a single wall of bold color can make in a room cannot be ignored. An accent wall is a great place to start remodeling or refurnishing your home. It gives you a base color palate with which to work, and can aid in the later selection of pillows, rugs, chairs etc. With an overall project time hovering around 6-8 hours (depending on the size of the wall you’re painting) from start to finish; painting an accent wall is a sure-fire way to add a touch of pizzazz to your room.3.) Paint a Custom Headboard or Faux Headboard:The sky is really the limit on this one. And the best part is that your ventures through a local thrift shop or Goodwill can yield amazing results at unbelievably low prices (if any). Being in touch with, and actively monitoring Craigslist is a secret weapon when it comes to designing on a realistic budget. You can go with vibrant, muted, pastels, or even fabrics and various textures!Recently a trend has been becoming more and more popular in US homes: a faux headboard. What does this mean? It means that you literally use the wall and space already available to create a creative and very innovative design in place of a bulky headboard in your room. Pinterest has some beautiful galleries if you’re looking for some inspiration. The complexity and project time it will take to finish a headboard creation of your very own is entirely up to you. Some companies even offer templates and decals that can be stuck directly to a wall. The advantage to a faux headboard is beyond aesthetic. Aside from the space you can save, and the flexibility in design you will have, a faux headboard is easy to change, easy to update, and can be modified to reflect changing trends or a changing room.4.) DIY Message Center:If you’re anything like me, your life is a constant cacophony of mental “to-do” lists, family engagements to keep, errands that need to be run, bills that need to be paid, and a way of communicating that often gets lost in the mix. Creating a DIY message center is a perfect way to make sure everyone is on the same page. What’s wonderful about these types of message centers is that most, if not all, of the materials you may need can either be found at a local thrift store or on the free section of CL. Don’t marry yourself to chalkboard either. Although chalkboard is an easy solution (especially now that it comes in huge sheets with an adhesive back ( like contact paper), you should also consider using a pane of glass (painted on one side) and framed! It’s the perfect mimic of a dry-erase board, but with markedly more style. You can even use a very thin piece of aluminum if you want to exclusively use magnets, and for those talented seamstresses out there- cloth and ribbon will also create a beautiful, versatile, and most importantly- functional piece to your home… and on a budget. Many of these message centers come with a section for mail, a section to write notes, and a board to post important bulletins to yourself or your family. I’ve seen every design style from rustic to modern, so whatever the style of your home, you can build a message center to compliment your design scheme while adding functionality.5.) Change Your Faucets:An often over-looked item on the “home improvement” list- changing your faucets is a simple way to really alter the look and feel of a room. Outside of accent pillows, it is the easiest way to breathe life back into a kitchen or bathroom. Your local hardware store has some great selections – don’t be afraid to be a little daring! Just make sure that all of the hardware matches, and decide whether or not it is important to you to have the same hardware throughout the house. This is also a perfect opportunity to re- pet-proof and child-proof your low lying cabinets.6.) Add Some Under/Over Cabinet Accent Lighting:If you want to really add some wow to your living space, consider over/under cabinet lighting. I cannot stress enough: spend the additional money and get lids. At $20 a roll, you can get LED rope lighting in any color you can imagine. Dramatic lighting like this can add incredible depth and dimension to your design space while creating a great atmosphere and additional lighting without the bulk or hassle of adding a new lighting fixture. Some companies do offer these types of lights at a premium- requiring electrical work and a contractor, but the same effect can be achieved with a simple trip to a local store and a little bit of clever fastening. Secure the rope lights out of sight at the junction where your counter meets the body of the cabinet, or hidden on the very top. The lights will reflect light off the wall or cabinet (depending on placement) and will create a dramatic, and beautiful effect that really gives a cutting edge style to any room.7.) Add a Back-Splash:Now, depending on how you go about this- it can be both costly and time consuming to install a back splash on your wall. Unless you have some experience with DIY home improvement, I would suggest leaving tile and grout projects to a professional, however, there are ways to install a back splash that can be done by anyone, regardless of experience level. Many home improvement stores sell sheets of pre-made, self-adhesive back splashes that mimic the look of real ceramic tile. Of course- consult with a professional (even if only your native home improvement associate) about which type and material of tile or tile replica you should get. A backsplash is another element like the accented wall; it’s a dash of color and a break up homogeny that adds texture and life to a drab space.8.) Throw Pillows:This is more a decorating tip than a home improvement tip- but its details like these that can really tie a room together and help a design space make that leap from concept to polished idea. Think bold and bright. Throw pillows can be just enough color to make a room interesting without being overwhelming or overbearing. Experiment with different texture and fabric combinations, find a mix that suits you. Inexpensive, with big impact; throw pillows are the un-sung heroes of home interior design.9.) Paint Your Front Door:Look at almost any “tips, tricks, and ideas” for home improvement, and somewhere on that list will be replacing/repainting the front door. I couldn’t agree more. Beyond the obvious curb appeal, painting your front door can really refresh your home and add some vibrancy and style to your home-front. First impressions are the most important, right? Make the first impression of your home to be one of happiness and warmth. For less than $30, you won’t believe the difference it will make!10.) Pick a Room: Replace All the Cloth You See:Updating window treatments, runners, rugs, pillows, and can transform any room in a matter of an instant. That’s the wonderful thing about color; it can change not only the look, but the feel of any space. Even something as simple as replacing curtains can shed years off the appearance of your home- and let’s face it- replacing window treatments is another task on that perpetual, and unending list of “I’ll get to that one day” projects we all keep tucked away. Changing accents like these is flexible, non-committal, and allows space for experimentation and growth over time. Not many home improvement projects can provide that kind of fluidity.In closing – as much as we would like to think that the only way to make a real impact on the aesthetics of a home is through big design projects, there are clearly small ways in which anyone can transform their home on a realistic budget, in a short amount of time. The above listed improvements can be a family project, involve family, friends, and enjoy creating a beautiful home space and spending some quality time with those close to you. You don’t have to break the bank to change your home’s style. It’s a journey that can be accomplished one step at a time.

Torie, like millions of other people, knows that she needs to make money investing in 401k plans in 2015-2106 and beyond (she has a couple) in order to retire comfortably. What she also needs to know: 401k asset allocation, how to pick and manage her best 401k investment options, and the outlook for 2015 and 2016. Let’s take a look at how she and you can make money in 2015, 2016 and beyond (or at least make the best of it) if you’re in the same boat.Although it’s been easy to make money investing in 401k plans in recent years, this is not always the case. The first thing Torie and you need to do is to set a goal (Torie’s is to retire in about the year 2040). Second, be honest about your personal risk tolerance. Torie’s is “moderate” – but definitely not aggressive! Third, review your present 401k asset allocation to determine whether the investment options you hold are in line with your risk tolerance. Are you in the best 401k investment options, and in the right proportion?Finally, you need to understand that 2015 and 2016 could be a difficult time to make money investing in 401k plans. The reason: weak economic forecasts make yesteryear’s best 401k investment options vulnerable to losses. Stocks are pricey and so are bonds. Assuming your risk profile is similar to Torie’s (she would like to make money but wants to avoid heavy losses) what can you do now to stay on track, make money, and avoid heavy losses if 2015 and beyond turns ugly? We’ll use Torie as our example.A number of years ago Torie decided that she wanted to make money investing in 401k plans, but wanted to keep things simple. She had changed jobs once and was planning on another change in the future. With both employers she had set her plan up with 50% going to a safe stable account and 50% to a Target 2040 fund. She was busy and pretty much ignored her statements over the years. After all, her goal was to make money investing, and she could see at a glance that her portfolio balance was growing. Now, she needs to take a closer look at her 401k asset allocation to see what percent is invested in each of her two 401k investment options.In early 2015, a closer look revealed that both plans had a portfolio asset allocation far riskier than she had expected. The target fund represented almost 80% of her assets in her first plan and 75% in her current plan. What happened, and what action should she take to get back on track and still keep things simple? What happened was that her target 2040 funds turned out to be one of the best 401k investment options in her plans and they far outperformed her safe stable accounts.The other best 401k investment options had been stock funds, but Torie considered them to be too risky. With the target fund most of her money was actually invested in stock funds, with the rest in bond funds; and both fund types had performed well heading into 2015. Her plan was to continue to make money investing in her 401k by holding her target fund and a safe investment. That way she was invested in stocks and some bonds as well to give here her portfolio some balance.What she now needs to do is to REBALANCE her 401k asset allocation so that 50% of her portfolio assets are again equally invested in each of her two chosen investment options. That cuts her risk considerably and it fits her comfort level. Now, can you or Torie make money investing in 401k plans in 2015-2016 with a 401k asset allocation that is allocated half to safe investment options (money market funds or stable accounts) and half to stock funds or target funds? Yes, unless the stock market falls and bonds also take a hit.How can you make money investing in 401k plans in 2015 and beyond if both stocks and bonds get hit hard? You would need to move the vast majority of your money to the safe havens available. In other words, your best 401k investment options would be the stable account that pays interest (if one is available) or the money market fund (which your plan should have, but currently pays very little in dividends). For the average investor who needs long term growth (like you and Torie) this is an extreme measure.Remember, your real objective is to make money investing in 401k plans, so you can have a secure retirement. Moderate risk is part of the program. I use Torie as an example because her situation is typical. Her 401k asset allocation fits her (and likely your) risk tolerance and should produce growth over the long term. She has chosen the best 401k investment options to reach her goal of retirement in 2040 (if you plan to retire in 2030 go with the 2030 target fund, and so on). Half of her money is safe and the other half has growth potential.Plus, she has a plan to manage her 401k investment options. If the markets get ugly in 2015 and 2016 she will not make money investing in 401k plans, she will lose money. But she has money going into her target fund every pay period buying shares at cheaper and cheaper prices, and money going into and accumulating in her safe investment. Anytime her 401k asset allocation shows that 60% or more is in the safe account she will REBALANCE back to 50%, which means taking money from the safe account and adding it to the target fund. Then, when the markets turn, she’s well positioned to make money investing in 401k plans for a secure future.