The City Will Witness a Fashion Week With a Purpose, It’s Different This Year

“This is a fashion week with a cause” as declared by Mr. Yudhajit Dutta, organizer of the fashion extravaganza called Kolkata fashion and lifestyle week (KFLW). This year the event will have a different story to tell. The most happening fashion and lifestyle week this year has come up with a unique theme and a purpose. Truly the Kolkata fashion and lifestyle week has been responsible both as a platform for Indian fashion trends to project Kolkata as the next fashion capital of India and as an organization for spreading eco-consciousness amongst people.

Eco fashion theme of Kolkata fashion and lifestyle week
The year 2010 has been recognized as the UN year of biodiversity. The world is facing an urgent urge to save biodiversity and to preserve our ecology from destruction. Kolkata fashion and lifestyle week thus, has decided to redefine fashion with stylized clothing in natural fibers like jute, cotton, silk and bamboo. With natural fabrics and dyes to set the ramp on fire with its beauty and originality, it is speculated that this fashion and lifestyle week will successfully set eco-fashion trends for the future India. The Kolkata fashion week salutes the weavers and weaves of Bengal and celebrates the traditional fabrics worn here. Participating designers at Kolkata fashion and lifestyle week are expected to create marvels out of natural fabrics, fibers and dyes.

This year KFLW will open with the lines of Narendra Kumar created exclusively for the fashion week. The week will showcase JJ Valaya collection at the finale. Prominent fashion designer’s eco-creations including JJ Valaya, Rocky S., Neeta Lulla, Satya Paul, Anita Dongre, Dev r Nil, Rina Dhaka, Abhishek Dutta will adorn the ramp of Kolkata fashion event this year. Kolkata fashion salutes the doyens of both Kolkata and national designers along with promoting fashion industry as a creative canvas for both budding designers and established designers. KFLW also promotes a unique concept of using this event as the stage to raise consciousness through fashion.

Remarkably, in the year 2009, the Kolkata fashion and lifestyle launched their fashion collection with the theme of “earth couture”. The year saw magnificent artwork on clothes with natural fabrics by some of the renowned designers of India. This year again this fashion and lifestyle week is playing with the theme of “eco-fashion”. This is an innovative way for raising eco-consciousness on behalf of the fashion world of Kolkata. Notably, the earlier sessions of KFLW has not been that huge a success. Therefore, the organizers this time are keeping no stone unturned for slip in mistakes or failures. The stage for this year’s fashion and lifestyle week thus seems ready to welcome a refreshing change in the traditional fashion of Bengal with natural fibers and dyes.

The fashionable population of Kolkata is expecting to see an amalgamation of different Indian styles and traditions created out of natural fibers of Bengal. It is now just a matter of time before a new trend is set in Indian fashion. With the hot summers approaching, eco-fashion is an acceptable theme. Thus i hope that people will welcome this new theme with all open heart and we are going to witness a great show this year.

Famous Fashion Weeks

The Fashion Weeks last a whole year only the venues of the show change. Somewhere in the world there is a fashion show going on almost all the time. The Fashion Weeks are major shows where the designers and the fashion houses have the chance to present their latest collections. One of the biggest honors that a fashion designer can receive is to be invited to a fashion show in London, New York, Paris or Milan.

These four are considered the most important fashion capitals of the worlds alongside Sao Paolo (which occupies the number one position in Latin America) and Tokyo (fashion leader of the Asia/Pacific region). At fashion shows fashionistas, the media and the whole general public find out what is in and what is out in fashion. The collections that are presented at fashion weeks are actually the trends that will be in vogue several months later.

The city that kicks off the Fashion Week season is New York and then all the other shows follow. The first American Fashion Week was held in New York back in 1943. At the beginning it was called the Press Week and it was destined exclusively to the media. This happened because the World War II made it impossible to travel to Paris and as such the American designers where stuck on home land. After the press realized that their co-national designers where not copying the French as they previously though, they started to receive more and more attention.

The people that attend these fashion shows come in all shapes and sizes from potential buyers, to journalists, models, celebrities and actors. All of them dress to impress and the front row seats at the major fashion shows prove it. Fashion photographers have their hands full with all the models on the catwalk and off the catwalk.

Fashion is constant and only the trends change. When you are choosing your outfits or when you are going shopping you should keep in mind that you have to choose only the clothes that best fit your personality.

Wills Lifestyle India Fashion Week

The Wills India Fashion Week in New Delhi has successfully ended in a more sizzling style for spring summer. It has all that glamour and glitz, demanded by London, Paris and New York fashion Weeks. More than 70 fashion designers from around the country participated in the Fashion Week showing their collections worn by 40 models. The Wills Lifestyle India Fashion Week Spring-Summer Showcase is another ‘first’ by the FDCI which serves as a platform to promote ‘The Business of Fashion’ and facilitate interaction between designers and buyers in India and internationally.

This is the first time since its inception six years ago that the Wills Lifestyle India Fashion Week was presented on an international format to cover the two seasonal market segments – Autumn-Winter and Spring-Summer. As a result, close to 75 of India’s best designers were able to present their Spring-Summer Prêt and Diffusion collections to the most prominent names among buyers, media and fashionistas, both Indian and international. Clearly established as ‘Fashion’s Grandest Celebration’, Wills Lifestyle India Fashion Week attracted buyers and media from all over the world. The event has served as a launch pad for some of the participating designers, who have been retailing very successfully through retail chains across the world like Be, Shoppers’ Stop, Kimaya, Pantaloon, Selfridges, Browns, Maria Luisa, Tsum, Harrodsand many more.

On the opening day of the event, Arjun Rampal made a cameo appearance at the Rohit Bal show. The first day of WLIFW featured collections from Manish Arora, Rohit Gandhi-Rahul Khanna, Jatin Kochhar and Rohit Bal. Jattin Kochhar’s collection titled ‘Swell Well’ is dedicated to the millions of mums-to-be in India and abroad. While his creations for the normal lady were basic in terms of colour, silhouettes and style, he brought in a sprinkling of men’s wear and swimwear for both sexes, aimed to give a complete prêt solution.

Rohit Bal did an about turn towards Nacre – Mother of Pearl with a hint of glint. Known for his brilliant texturing appliqué and tonal embroideries with basket weave events technique in fine thread work with pleating, pin tucking, layering, Rohit unleashed a line of stunning long coats, bumble skirts, textured ruffled jackets, long slender skirts, glamorous gowns, slender dresses all topped with jackets, caftans, shrugs, boleros. It was ultimate glamour of the Hollywood or shall we say Bollywood kind which came down the ramp for women’s wear.

Designers Swapan and Seema swept on to the ramp at the WLIFW with the Madame Butterfly collection for Spring-Summer 2007, where there was a blend of the east and west in their creative palettes. A wrap-around shirtwaist, pleated knee-length skirt with side slits, an ivory tonal embroidered mini and a jumpsuit in pale blue with smocked bodice completed the western segment. Known for their luxurious saris and bridal wear, the pair did not disappoint.

The grand finale at the Wills Lifestyle India Fashion Week had Bollywood’s fashion Badshah, Manish Malhotra presenting his creativity at his best for Spring-Summer 2007. Sensuality was the name of the collection and Manish had his favourite muse Urmila Mantondkar opening the show with a beige corset worn with a hipster shimmering long skirt. From swim bikinis to swimsuits and covers with ornate embroidery, Manish had them all. It was a mélange of colours that Manish worked with from beige, nude, white, red, blue, red, pink, green to combinations of all. The highlight of the show was the appearance of Bollywood super stars, Shahid Kapur in a smart suit and Kareena Kapoor in a dramatic black net gown.

The Ashish Soni collection for Spring-Summer 2007, inspired by Nokia’s Sirocco model, moved into the future with its unbelievable deconstructed garments and the stark black, white and mélange grey colour tones. Volume played an important part for Ashish as he opened the show with white voile with metallic pin embroidery for a multi gathered baby doll dress. The extra wide silhouette not only worked well for garments but was also visible for sleeves, boleros as well as skirts. The collection thrived on garment detailing with rolled sleeves, random pleating, stencil sprayed details and tucking for skirts and boleros which gave the garments a new dimension.

Men’s wear is Ashish’s forte and his jackets were simple offerings in cool wool. A black satin collared tuxedo jacket, a double collared single button jacket and a black Chinese collared Nehru jacket being rather special. The fabrics ranged from voile, viscose, silk taffeta, jacquard, canvas to cool wool.

With WIFW 2006, FDCI carries forward its vision of using this event as a platform for the overall development of the fashion design industry and the business of fashion. As part of this aim, a number of new initiatives have been launched, which have been very well received. FDCI has been consistently broadening the scope of the event to increase the involvement of key stakeholders since the event began in 2000.

Get to Know The Styles From Fashion Week

Fashion Week – the week in fashion that tells everyone where fashion for the year is headed. For this reason alone, may people specifically tune into Fashion Week every year. The audience is awed by the flawless and unique designs that parade down the catwalk, though designers will often admit that their inspiration is sparked by the seasoned veterans of fashion.

Watching Fashion Week can give you lots of ideas to incorporate in your quest to be as fashionable as possible. Commonly featuring celebrities who attend fashion weeks around the world are entertainment and gossip shows. In a lot of cases they will also show the designers’ dresses and new items that get everyone’s attention in most every show. The Fashion TV channel will tell you all that you need to know about the latest styles.

Browse fashion magazines for style ideas. Fashion magazines usually collate pictures during the weeks immediately following Fashion Week, offering clients an idea of the newest fashions and a chance to compare trends by competing designers. Look for the clothing featured in your favorite fashion magazine when you go shopping.

Look at photos from Fashion Week shows online. The Internet is a valuable source for information, and its numerous resources don’t leave out the Fashion Week highlights for all fashion fans. You can get ideas about fashion using style.uk.msn.com or nymag.com/fashion to obtain your daily dose of the latest style news for your enjoyment.

Do some window shopping in designer stores. Designers take great pride in their craft and will happily display their handiwork in shop windows. During Fashion Week, it is best to walk by many of the designer shops to see what types of fashions are popular now.

Get the look at an affordable price! It costs a pretty penny to look that fabulous and glamorous, dressed from head to toe in designer labels. Scrutinizing your style and buying by the piece is a quick way around it. Buy the scarf at a department store, but get the blouse from a thrift store. As long as you can get close to it, you definitely can pull it off, although it may not be the real thing. Who says you need to break the bank on style? Fashion aficionados would agree that it’s all about attitude rather than the brand-name or designer.

The best way to see the new styles in action is to attend a fashion event in person and up close. If you are a model, journalist or even a volunteer you will be able to do it. Alternately, if you have the funds available, bundled packs are offered for sale by hotels and credit card companies which include Fashion Week tickets.

Improve Your Poor Credit Score and Secure Yourself a Loan

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

How to Find Your Perfect Loan With Poor Credit

Sometimes accidents happen and things break down and we all need help financially. If your current gas boiler stops working then a new gas boiler installed can cost a good couple of week’s salary and if the television is knocked over whilst the cat chases the dog around the TV room, then how do we find the money to get replacements?

Not all of us our lucky enough to have money in the bank, we live in a society where saving our hard earn money can be tricky, we all have mortgages, rents and utility bills to pay. If we do not have siblings or parents to go to when we find our self in that tight spot what can we turn to? Loans are a good option and can give you the finance you need fairly instantly.

The first thing to do is go online and visit a loans company. During the process of applying for credit the company will run your details though a program to achieve a Credit score, any bumps they find in the road in terms of poor score rating could hamper your chances of getting the money you require.

Why have I got a poor rating? There are many reasons why you might fall under the group of poor. The main reason is probably a late card payment, or even missing the payment altogether. Closely followed by an existing debt that you may have on credit cards, store cards or other cards. These will all show up in the overall score to ascertain if you can have the money.

Companies are fully aware that although some of us have a poor rating there are those that are trying to start again and look to the future. When you apply you have to give your personal information, bearing in mind that this information is important for the company to run the checks and will only be held by the company.

With this information they will look at any problems you may have had and also compare your current circumstances. For instance in the past you might have been on a lower paid wage and since then you have had a promotion and now earn twice as much as before. This will all be taken into account when running the scores.

A company that offer matching services, even though a poor credit score came up through the check, could still be able to offer you a variety of loans. They will pass your applications on to many different lenders to make sure that a deal can be found.

Choosing to go through a company like this will only show up as one application, not as lots of different ones which is a good thing for you and your rating.

Personal loans are known as unsecured, there is no collateral held against them but because of this they offer a higher percentage rate of payback. Credit scores can affect the percentage of the agreement given. The better the score, the lower the percentage rate.

We all want a quick decision when we apply for loans, but how quickly can I receive the money? If all of the relevant paper is filled in correctly, then you can have the money as quickly as the following business day. Which is good, as some emergency cannot wait for a week whilst a decision is made.

So if you need financial help, do not be put off that you might think you may have a poor credit history, approach a company that match loans and see how they can help you.

How You Should Process Your Short Term Loans

Borrowing money makes a decisive difference, especially when you are struggling through the times of financial emergencies. Small time loans like the Short Term Loans are one of the quick and convenient cash credit alternatives that you can and should consider to ameliorate your ongoing emergency financial crisis. These loans improve your credit score too, but again; you need to be a bit judgmental of other prerequisites and options.

Short Term Loans and the Credit Score – Understanding the Basic Scenario

Short term small loan applications usually show up in your credit report. If you had applied for these loans few months back, then your credit score reflects this option. Furthermore, all the repayments made towards the loan will highlight in your credit profile. Making the repayments on short term loans will show you in positive light before the lender. He will have trust, and you will enjoy peace of mind.

Short Term Loans Improve the Credit Score

Short term loans help to improve the credit rating. However, availing the loans is still a risky process, and you need to have an Argus-eye over it.

In general cases, the interest rates charged on these loans are considerably high. If you are confident of making the payments within lender’s designated time period, it will not cause any hindrance. But the longer you delay in paying-off the loans, the costlier these loans turn out. There comes a time when you might even repent your decision of having applied for cash advance for the sake of improving the credit score.

Instead of going for a short term loan to boost your credit rating, there are better ways to move the credit worthiness. What you have to do is to look for alternatives, rather than making a rash decision in an instant. Taking out a credit for the sake of credit is something that needs proper research and analysis too.

Having a good credit score is necessary, since it reflects your credibility as a borrower. A not so good credit score on the other has a negative impact, as it severely affects the flow of credit in the future.

Improving Your Credit Score: Placing the Sound Methodologies

Just because you are having a bad credit, it does not entirely mean the end of the road. You can still improve the credit score. Here are two legitimate points to look into:

  • Clearing outstanding debt by paying on time – Clearing your dues on time will maintain your credit score over a long period of time. If you are having outstanding debts, make sure to minimize them. This certainly helps to improve the rating.
  • Building a solid credit history – For first time borrowers, with no credit history, it is essential to build a good credit history. To increase the credibility, it becomes necessary to limit the expenses, and if you had availed loans and there are arrears, you must ensure to clear them. Paying off the debts within stipulated time frame is way to success.

Credit rating helps the borrowers to gain advantage and secure loans and debts. Good credit ratings help borrowers to borrow money. The methodologies you apply to improve your credit ratings will make huge difference in score records.

Applying for a Personal Loan With Subpar Credit – What to Know

Anyone that finds themselves with multiple balances on credit cards that have high interest may consider looking for a personal loan with bad credit. This allows them to transfer those balances and take advantage of a lower interest rate to pay off their cards. Sadly, many banks will turn them down due to their credit. Thankfully, there are ways to get a loan that will help them save money, even with that low credit score.

Whether due to financial issues, job loss, or just striving to build a good credit score as a first time user it is difficult to get a loan. The way credit reports work is always changing and there are many factors that affect a person’s credit. It’s important to stay in the know about how to build it, and what your options are. There are likely more options than they think. Here are some ways to apply for and get a personal loan with bad credit.

How to Get a Loan with Bad Credit

Having zero credit or poor credit is a major issue when looking to secure a loan, because that person is viewed as a high risk customer who may default. It’s important to accept that until the credit score is raised, one won’t be able to enjoy the standard lending guidelines offered by big banks.

For anyone that’s been turned down for a loan or who doesn’t want to pay monstrous rates, here are some options:

Consider a Home Equity Line of Credit

If there is enough equity in owned property, it’s possible to secure a tax-deductible, low-interest loan or line of credit that can be used in any way. The only downfall is that many don’t want to tap into their home equity as it puts the property in jeopardy if they can’t repay it. However, with a steady income and a bit of discipline then this can be paid off and is a less pricey option no matter what the credit score!

Try and Apply to Credit Unions

Credit unions are so much better than a regular bank. That’s because they are member-owned. Usually they are founded by people who have something in common whether it be living in the same area, or working in the same profession. They are nonprofit and have a sole purpose of helping members. They offer great customer service and low fees.

Borrow from a Friend

Consider what’s called P2P or peer-to-peer lending. There are even sites online that let a person borrow from someone directly rather than a bank. This form of lending is getting very popular and is quite simple. It’s a winning situation for both investors who want to earn interest and borrowers who enjoy paying lower rates. It’s the perfect solution when looking to apply for a personal loan with bad credit. Current rates with P2P lending are as low as 6%. That’s far lower than most credit cards.

Family Loans

If an online peer doesn’t pick up a loan request, there’s always a chance a family member might. However, it’s more than important to treat a loan from someone in the family just as a professional loan. It should be documented and recorded. A written agreement should show the interest rate, terms of repayment and collateral that’s going against the loan. It should also lay out all the actions to be taken if the borrower does not repay.

What About a Co-signer?

If one is searching for a personal loan with bad credit and they don’t have a family member or a friend that is available to offer the loan, maybe they would consider co-signing. This is when someone who trusts that the borrower can repay the debt would take a chance on them and be a back up to repay the loan should that person default.

Personal Loan and Its Different Advantages

A personal loan is an unsecured loan which is offered to a consumer for catering their various personal needs such as the renovation of a house, marriage, home appliances, buy vehicle amid others. This is offered after verifying one’s ability of paying especially the income source and also according to their credit history. A nominal processing fee will be charged and the sum as per a person’s paying ability will get credited to their account. In fact the loan payment is made via fixed installments which also includes interest and for fixed time periods. The icing on the cake is these days personal loans are a smart choice as one do not require going through a lot of formalities and tedious paperwork. Most of the financial institutions and banks offer personal loans today and the rate of interest is also quite reasonable.

Discover the different benefit

  • Available easily- to get a personal loan is no longer a challenging affair. It is offered by almost all financial institutions and banks at a reasonable rate of interest. Compared to other loans it is convenient and easy to get
  • No middleman or agent involved- for availing a personal loan one will not require taking the help of an agent or a middleman. This will avoid unnecessary expenses and delays. A person can approach the financial institution or bank for the purpose directly
  • Unsecured loan- this is indeed an unsecured loan. Here no collateral security is needed for availing the loan. In fact, all that is needed is one’s ability of paying back the money.
  • Less processing time- because it is accessible devoid of any guarantee or security the processing time needed to get this is naturally less compared to other loans
  • All purpose loans- in this form of loan it is not compulsory for a person in specifying the reason for which they will be using the money.
  • Minimum paperwork- to get a loan will not need any asset verification or other forms of certificates and proofs which include ample paperwork as none of one’s property is mortgaged
  • Offers and schemes- different financial institutions and banks keep announcing offers and special schemes on personal loans, especially for the professionals such as architects, doctors, chartered accountants and the like
  • Amount and tenure- these loans generally are provided varying from Rs 15000 to Rs 20 lakhs differing from one bank to another. The repayment can be made through EMIs

The bottom line is, rather than borrowing money from a credit card it is always better to choose a personal loan as the rate of interest is comparatively lower. So reap its utmost benefits.

Searching for a Personal Loan Just Got Simplified

Figuring where to get a loan with the best rates isn’t easy, but it’s still possible even after the credit crunch the United States has experienced in recent years. With a bit of research and persistence, it’s still possible to get a great personal loan. Many loans are still ridiculously high in spite of the Federal Reserve’s influence on rates which they’d hoped would trickle down to each and every loan type product.

It’s smart to know what determines interest rates in order to strike a better deal when wondering where to get a personal loan. A bit of research will help a person learn how to get the best rates on the following:

1. Mortgages

2. Lines of credit

3. Home equity loans

4. Auto loans

5. Credit cards

6. Student and personal loans

About Mortgages

There’s a lot that affects mortgage rates, and of course there are several different types of rates from fixed-rate to adjustable. Fixed-rate are always in relation to the current state of the economy. They are also subject to the expectations of the investor. They usually have long-term interest rates via treasury note as opposed to short-term personal loans that are regulated by The Fed.

ARMs or adjustable rate mortgages are affected by short-term rates. For those looking to find where to get personal loans at the best rates, they should prepare a portfolio that shows stable income, and a great credit score. A score of 740 or more is best. If they have a down payment that will also help, and cash reserves on top of that makes them a prime borrower.

Of course, that doesn’t mean there aren’t great rates for those who aren’t considered “perfect” borrowers. Making a larger down payment or borrowing less money will help get a personal loan, be it for a mortgage or other purpose, that’s a much lower rate.

Another way to reduce rates when searching for where to get personal loans is to pay an origination free up front, or even what are called discount points. This is simply a percentage of the loan amount that helps decrease the interest rate. Of course, this means one will pay more at closing if mortgage related.

How much these points lower the mortgage or rate of the loan depends on the market at the time of the loan. It’s smart to pay points because it reduces not only the interest for the total life of the loan but also lowers the monthly payment. Take into account how long the home will be owned to figure out if it’s a smart move. Most homeowners sell or refinance within 5 years of ownership, to give an idea.

Home Equity Line of Credit

Many prefer to take advantage of a home equity loan in lieu of trying to get a loan elsewhere. In this case, borrowers get money right away and in a lump sum. The loan is set at a fixed interest rate, which allows them to make the same payment every month for the entire loan term.

These type of personal loans are lines of credit that let the borrower take out money periodically when necessary. The interest rate can be different, depending on what is called the prime rate. The borrower may have the choice of making interest-only payments over a set period of time.

In any case, to get the best rate when looking for where to find personal loans, it’s best to be aware of one’s credit profile and secure a loan whenever interest rates are at their lowest.

Competitive rates and flexible terms are a click away, and you’ll have money from trusted lenders deposited directly into an account of your choosing. Applications are free, then fees and loans are up to the individual and the provider.