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Think western fashion is a niche market? Think again. Trends evolve over 20-year periods and return, and considering western-style fashion last surfaced in the late-’80s and early-’90s, now more than ever looks like a resurgence for the western look. But, before you take out your chaps and cowboy hat, consider how the trends are worn presently. At the moment, many western embellishments are found on handbags, and standard western stone colors are popular shades for other pieces of clothing.

As far as handbags are concerned, many purses and clutches have been straddling the line between subtle western and punk fashion for the past few years. Studs, rhinestones, and fringe are three trends that can go either way, but because of the orderly presentation of these features on various handbags, the look is often more western than rocker. Only one of these embellishments should be added at a time, however. A leather handbag, for example, goes beyond ordinary into unique territory by added fringe along the sides and bottom or by a few studs added to the body of the bag; both at once, however, ends up being too busy.

The influence of western fashion isn’t restricted only to handbags, and many other pieces of attire are seeing its subtle influence. Case in point is the use of turquoise and coral shades this past spring and summer. Shirts and dresses, in particular, are dyed a solid light shade of turquoise. Coral, additionally, is used in a light pink to pink-orange form for nearly all types of garments. Many of these, additionally, may be embellished by rhinestones, studs, or fringe.

Although wearing rhinestones, fringe, and a bright western shirt is appropriate for a rodeo, less is more when western fashion is applied to the mainstream. Many dealers of wholesale western fashion keep this in mind and supply clothing, purses, and jewelry that follow the latest mainstream and western trends. Western Express, Inc.. is one of the wholesale western fashion. Besides clothing, they are also a  wholesale western jewelry, and wholesale western purses. Many choices of fashion jewelry products and purses there. Please for those of you fans of western fashion  to visit her site, then determining the right choice.

Here are a few ways that customer credit limits established by the credit department can and should be used to help streamline the order release process while helping to control credit risk:

After thirty years in credit and collection, I retired late last year and now I have the opportunity to say to other credit professionals the things that I could not say before. For example, I believe that the key to success is surrounding yourself with the best people you can find. You might be saying to yourself: That is hardly a revelation. You would be right, but the corollaries to this piece of advice include:

• Terminate anyone who is not a team player, who is not enthusiastic, who is not doing the job or who will not do the job the way you want it done.
• If keeping your best employee means promoting them over someone else with more time on the job, then do it. There will be consequences – but this the price you are going to have to pay if you are going to be a leader instead of a manager.
• Never lower your standards simply to fill a position. Keep the job open until the right candidate presents himself or herself and ignore pressure from your employer to settle for someone that does not meet your minimum qualifications.

Another tip is to make sure there are individual goals as well as department-wide targets. In my experience, most employers are big on individual goals, but tend to assign the departmental goals only to the credit manager. You can be more successful by establishing both individual and team goals. These team goals should mirror the goals assigned to you. Expect resistance to the idea of team goals. It is likely that one or more of your subordinates is going to tell you they cannot control what happens in the department and that it is unfair for them to be evaluated based on how other employees perform. I suggest you tell them that this process is just as fair or unfair to them as it is to you, and that the only way that you can guarantee teamwork is to establish team goals.

If you want something done right, delegate it to the person with the right attitude – and not necessarily to the employee with the best credentials. Assign work to individuals interested in making a positive impression on you and on senior management. It might sound manipulative, but it is not. The person given the assignment has the opportunity to receive the recognition they want. An additional benefit involves the fact that you will be delegating the task to someone who is enthusiastic rather than someone who is resentful.

Stay positive, even if it requires that you avoid a co-worker who is not. Everywhere I have worked, there was always at least one person who did not want to be there. These people always seem to have something negative to say about the company and its plans – or about a coworker or management. These people seem to energy from the people around them, and the only way to avoid the energy drain is to avoid these people. You also risk being labeled a malcontent if you hang around with a malcontent.

In hindsight, I realize I made a number of mistakes along the way that hindered my advancement. For example, I did understand that there is no such thing as an optional company holiday party, picnic or similar event. Not only should credit professionals plan to attend; they should not leave early because their absence being noticed and noted by subordinates and superiors.

New data published by the Council of Mortgage Lenders (CML) indicates that the number of home repossessions has fallen by 1%, from 9,100 in the first quarter of the year to 9,000 in the second quarter. However, some people in the industry have warned of an “arrears timebomb”, with disaster set to strike when rates rise in 2012.

Compared with the second quarter of 2010, the latest repossession figure represents a 7% fall. At this stage in 2010, there had been 19,500 repossessions, compared with 18,100 so far this year. The number of mortgages in arrears of 1.5% to 2.5% has increased, however.

Paul Smee, director general at CML, said that the stabilisation of mortgage repayment problems could be attributed to “stable employment and low interest rates.” He added that he felt there was no need to revise current forecasts in light of the current uncertainty in the global financial markets.

The Citizens Advice Bureau has reported that it has dealt with over 100,000 cases where people are in mortgage or secured loan arrears, and says that it has prevented 5,000 people from losing their homes in the past year. Gillian Guy, chief executive at the CAB, said: “With the cost of living going up daily and incomes lagging badly behind, mortgage lenders and the government must focus on helping people stay in their homes. Repossession is a terrifying prospect and should always be the last resort.”

If you do fall behind with your mortgage payments, you should always treat them as the top priority before paying back any other debts. Otherwise, you risk losing your home. Always contact your lender if you are expecting to miss a payment, rather than waiting for them to start threatening you with legal action. They may be willing to reduce your monthly payments in some circumstances.

Additionally, you should ensure you are receiving any benefits or tax credits to which you are entitled. The Government also operates a Mortgage Rescue scheme, through which you be able to sell your home but continue living there and paying rent. You can get more information on this from your local council.

If you are struggling to repay unsecured loans, credit cards or overdrafts, we can provide confidential debt advice.

Haven’t we all felt this way at one time or another? You hear about or see a product that someone else has already developed that’s so terrific that you get that slap-your-head “why didn’t I think of that?” feeling! So when the idea for a handbag with interchangeable outer covers was presented to me, I knew it was a concept that could potentially revolutionize the women’s accessories market—and as an entrepreneur I wasn’t going to let it get away

In 2007—after a few starts and stops—my business partner Chris Seegmiller and I officially launched Miche Bag (pronounced Mee-Chee), a company named for the original inventor’s nickname.

There was a lot of trial and error during that first year, but eventually we found a formula that not only works, but works extremely well both from a Sales Representative’s as well as a customer’s perspective.

In just three years, Miche has grown at an astounding rate—going from a company selling $21,000 in product per month to one selling well over $55 million a year nationwide and internationally. As an entrepreneur who started his first business at age 13, I’ve learned through experience that there are five tips for success necessary to lay a strong foundation and then bring a vision to life.

See a Need and Fill It

This concept is Business 101, but with Miche “see a need and fill it” seems to have hit the nail on the head. Just about every woman who sees a Miche Bag automatically sees the beauty in the idea and it hits them in an unusually visceral way—women really do hate moving all the contents from one purse to another every time they change their outfit. Buying just one “Base Bag” then collecting various colors and designs of covers (which we call “Shells”) to match their wardrobe or mood makes sense on many different basic levels: this product is economical, it’s convenient and it’s fashionable. It’s a no-brainer because it’s inherently marketable as a “must-have” product. And—conveniently for us—it appeals to consumers in the highest-spending demographic: women 18-55 years old.

Be Flexible During the Development Phase

The idea was terrific, but the product itself needed to be fine-tuned and made practical for mass-production. The main selling point of a Miche Bag is that the Base Bag remains the same so that a woman never has to remove the purse’s contents when she wants a different look—she only needs to switch the outer Shell. We developed seamless, hidden magnetic attachment mechanisms that make changing Shells easy. Others have tried to do what we do, but with little success because our Shells can be changed in 3 seconds or less and they stay secure. Bottom line: without a structurally-sound, easy-to-use product, nothing else really matters; so spend plenty of time experimenting with and perfecting your marquee product or service. Don’t get so caught up in “one way” (i.e., your way) of doing things that you automatically cut off more viable options.

Flexibility and experimentation in the earliest stages are absolutely essential.

Essential in Any Economy: Affordability and Effective Distribution Channels

In addition to being practical, the bags have to be affordable to appeal to our key demographic. We chose to have our design team make Shells using faux leather and other synthetic materials. Not only could women get fashion-forward looks, but they can get them for less—a plus in any economy, but especially so when times are tight. Know who your demographic is, and give them what they want.

We needed to find the best way to sell the Miche Bag. Retail was our first choice, but because the Miche concept is best sold through demonstration rather than display, this venue did not work as well as we’d hoped. We made the jump to the Home Party route and never looked back. This model is flourishing for us.

Get Your Own Hands Dirty, Then Delegate

At one point or another, everyone on our executive team has been involved in every aspect of our business—from design to production to warehousing to marketing to sales. We worked endless, hard hours laying the strong foundation for a successful company. We knew we had this amazing idea and we were very hands-on—especially in the beginning—to make sure we got it right.

Now we’re to the point where we’re releasing a lot of that tight personal control and delegating the day-to-day activities to a growing team of seasoned professionals at our Home Office. We love and value our Miche staff, trust their judgment and their skills, and have created a fun “family” type of environment where we work together to grow our company yet still recognize and respect the contributions of the individual. My office door is always open and the hugs are always free and plentiful. It works for us!

Listen, Listen, Then Listen Some More

We understand that the Distributors and Representatives who market our products and the customers they serve are the lifeblood of our business. It’s essential to listen to what they have to say, take their concerns seriously, and then address them immediately when appropriate. Whenever possible, get out of your office and go to where the rubber hits the road—in our case it’s out in the sales field all across the country and around the world. Our executive team is made up of kind, compassionate, enthusiastic and caring people who spend a considerable amount of time with our independent sales force, getting to know them as individuals, conducting training, and—most importantly—listening. That kind of personal attention not only fosters that “family feeling” among thousands of people who make Miche their living, but it also helps us to create better products and provide better service.

When you have a great idea, work hard, tie up any loose ends, and then surround yourself with amazing people who are as passionate about a product or service as you are, magic is bound to happen. Everyone involved with Miche loves the concept and believes in it passionately—and that kind of enthusiasm at every level is absolutely contagious.