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By Geoff Ficke
See all Articles by Geoff FickeSee Geoff Ficke's Expert PageGet Updates on Business ConsultingGet Updates on Geoff Ficke Average: 2 Your rating: None Average: 2 (1 vote) Tweet
Until his death in 1944 he lived as a pauper in the streets of Paris. His genius had been forgotten. Occasionally he would be seen by his contemporaries painting street scenes to eke out a few Francs before eyes would be diverted from the discomforting vision of a past hero of French Haute Couture being so dramatically reduced.
Paul Poiret during his early career was attributed with being the fashion equivalent of Pablo Picasso in art. He introduced “modernism” to Haute Couture”. For a short time he lived as a potentate and enjoyed vast fame, fortune and popularity. Then it was all gone. What happened?
Ancient Rome stagnated and died of lechery. Juan Trippe built the greatest airline in the world, PanAm. After his passing PanAm went into a long, slow decline and is now permanently grounded. The grand Cosmetic Brands Frances Denny,karen millen outlet, Hazel Bishop and Germaine Monteil are no more. Bonwit Teller, once one of the world’s best specialty department stores,louboutin pas cher, was liquidated years ago. These entities, like the House of Poiret,louboutin pas cher, enjoyed their time in the sun but did not stay current, adjust to social or market realities and all disappeared.
How One of the Fashion World’s Earliest Great
Innovators Lost Everything by Lack of Innovation
Poiret expanded into Furniture, Household Décor and, most importantly Fragrance. He was a pioneer in Licensing his name. The entry of a fashion house into the Perfume business was also a first and would set a precedent that created one of the most successful Marketing Strategies and Sales Models still in wide use to this day. In 1911 Poiret’s Parfums de Rosine was launched and the world of Haute Couture and Perfumery would never be the same,hollister uk.
by: Geoff Ficke
Mr. Poiret established his own fashion house in 1903 and made an immediate impact with his unusual for the time “kimono coat”. The shop became famous for stunning window displays, fabulous parties tied to each seasons collections and Poiret’s pioneering use of modern Branding and Marketing techniques. The garments he produced were very expensive for the day and only the most discerning clientele purchased from the House of Poiret.
In the worlds of style, fashion and consumer products you are never the greatest, only the latest. The Companies and Brands that last and pass the test of time constantly evolve. The House of Poiret did not. Styles had changed,nfl jerseys, consumer tastes changed and the increased demand for better quality product required more attention to detail. Poiret still produced clothing with a “look” that screamed Poiret, but no longer excited the most exclusive, wealthiest clientele that had supported his House in the beginning. He did not evolve and grow.
Author's Bio:
The scale of these failed enterprises was often so great that it is hard for observers to get their hands around all that went wrong and caused these spectacular failures. Recently I was reviewing a fashion treatise and read about a long ago innovative pioneer of Haute Couture who became an icon of his age before losing everything in one lifetime. The tale is cautionary.
New designers, notably Coco Chanel, House of Worth and Elsa Schiaparrelli, had begun to offer simpler,michael kors watches, sleeker silhouettes and their work employed far better construction than did Paul Poiret’s,louboutin. As clients fled to the newer fashion houses Poiret suffered further loss of financial supporters and was forced to close his couture house in 1929,ray ban. Poiret was bankrupted. Upon liquidating inventory the House of Poiret suffered the indignity of having leftover clothing sold by the kilogram for use as rags.
Paul Poiret was born into poverty in Paris in 1879. At an early age he was apprenticed to an Umbrella maker. The odd bits of fabric cuttings that were tossed as waste interested Poiret,michael kors uk, and he began to take them from the trash. He used this detritus to fashion clothes for his sister’s dolls. Each dress was accompanied by a pattern that he drew and saved.
While still a teenager Paul Poiret took his pattern drawings to Madeline Cheruit, one of the grand dames of Parisian fashion in the late 19th century. She bought 12 of the drawings for reproduction in her atelier. Sensing opportunity, the young Poiret began to sell all of his patterns to the various Paris garment houses. In 1896 he was hired to design for the prominent Jacques Doucet. Poiret’s first creation for Doucet was a red cape which sold 400 pieces.
During World War I Paul Poiret worked for the French military making uniforms. When the war ended, he returned to his fashion house and found it in ruins. He worked hard to resurrect his glory years. However, while he was away serving the war effort,louboutin, other designers had emerged and they utilized more modern styling and garment construction techniques. Poiret’s designs had always been visually unique but were not well constructured. As he had once famously said he only aimed for his dresses to be “read beautifully from afar”. He continued to work in his old way.
Parfums de Rosine was launched and publicized by throwing an extravagant Persian themed soiree at Paul Poiret’s palatial Parisian estate home. The news coverage of the event and the perfume that inspired the party is evocative of promotional techniques still used today to introduce Luxury Goods.
Also in 1911, the photographer Edward Steichen collaborated with the House of Poiret to photograph a collection of gowns and accessories,lunettes ray ban. The photos were published in various magazines. This is considered the first use of “Fashion Photography”. Prior to this fashion was illustrated when placed in print.
It is startling to study an empires crumble, decline and ultimately perishing on the ash heap of history. It happened to ancient states such as Egypt, Rome, Athens and Macedonia. The Knights Templar had been the world’s pre-eminent military and financial colossus in the Middle Ages but they are no more. In more modern times we have seen the commercial decline and disappearance of Horn & Hardart Restaurants, A&P Food Stores and numerous department store chains such as Jordan Marsh, John Wannamaker, Woodrow & Lothrop and Montgomery Wards. Major airlines and automobile companies were launched, soared and then failed.
Poiret’s most famous design contribution to garment production was a technique he created called “draping”. This was a radical departure from the more rigid Tailoring and Pattern Making methods used in the past. This style of sewing enabled Poiret to create loose, softer looks like Harem Pantaloons,hollister, Lampshade Tunics and Hobble Skirts. Most appreciated by women seeking comfort was Poiret’s elimination of the ubiquitous, restrictive, uncomfortable corset from his collections.
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Spending less and saving more are lifelong living skills that need time to develop. Unless and otherwise, you have a clear written budget, you will lose your focus and go after consumerism and materialism.

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You can build the foundation for a winning day by simply starting the day with breakfast. I know you've heard it before,[link widoczny dla zalogowanych], it's true, breakfast is the most important meal of the day. If you are grabbing your house keys and heading out in the mornings without eating trying to save time, or calories you are squandering the savings. By skipping breakfast, the fuel that your body and brain need to get started and help you focus on high performance--or simply focus is missing. The effort to save calories by skipping a meal cancels out because by midday you're pretty hungry and are more likely to eat more, and consume more calories than you would have if you had started the day with breakfast.
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When you wake up in the morning your body has been fasting-going without food during the hours while you were sleeping. Breakfast "breaks the fast;" it provides the body and the brain with the energy needed to function. If you start the day without the needed energy the results are like trying to drive your car without gas-think of your body as your vehicle. Studies show that when adults and children eat breakfast it is easier for them to concentrate, they are more productive,[link widoczny dla zalogowanych], and have better problem-solving skills. In short, skipping breakfast may result in poorer performance-it may appear that they are not very bright.
By Michelle Stewart
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If you've been a 'breakfast skipper," try these tactics to help ease this important meal into your day. Here are some tips for making this meal a little easier to get on the table (or in your hand on the way out the door).
7. Keep your freezer stocked with frozen waffles and healthy breakfast burritos.
• Fruits and vegetables including fresh or frozen items, 100 percent juice beverages without added sugar, fruit or vegetable smoothies.
6. Use your microwave. Most hot cereals have microwave instructions. Mix the cereal with liquid and flavorings, pop it in the microwave and finish dressing while breakfast cooks itself.
• Whole grain rolls, bagels, cereals, low-fat bran muffins, English muffins, Melba toast, and, crackers.
10. Always keep a bowl of fresh seasonal fruits available for the easiest grab-and-go.
Adding breakfast to the day is easy; just make a few adjustments to your schedule, plan ahead, and grab-and-go with one of these simple breakfast choices.
1. Pre-pack to-go bags the day before a crazy morning. Include a zip-top plastic bag of granola; add a hard-cooked egg, low-fat yogurt, and a handful of grapes just before you leave.
Breakfast also aids in eating adequate amounts of the vitamins and minerals recommended for a healthy lifestyle. If you eat breakfast you are more likely to control your weight and eat less fat and cholesterol,[link widoczny dla zalogowanych]. Key ingredients for a healthy breakfast include:
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3. Make quick and healthy breakfast sandwiches with frozen waffles (toasted), peanut butter and sliced banana.
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• Low-fat protein such as peanut butter, almond butter,[link widoczny dla zalogowanych], Nutella® spread, Canadian bacon, low-fat mozzarella cheese sticks, turkey bacon and sausage, scrambled egg whites or an egg-white omelet, hard-cooked eggs or vegetarian protein items.
8. Don't think of berries as an extravagance. They're outrageously good for you and they dress up a bowl of cereal,[link widoczny dla zalogowanych].
2. Have a smoothie. Just make sure to add some protein, like yogurt, whey protein powder, or tofu, to keep you satisfied longer.
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Nutrition can be a useful thing. No really, it can be. In terms of taking better care of yourself through a healthier diet to make yourself healthier is truly a useful thing. To start learning some basics as to how to make this work for you, refer to the tips below.

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Whether you are buying a vehicle or insurance coverage,[link widoczny dla zalogowanych], it is best to shop around. Evaluate the characteristics and the prices as well as choose the one which can provide you with the thing you need in a sensible cost. End up being very conscious of the charges that exist to you personally. State, when you are traveling a cheaper vehicle and you are offered reduced fee the same as with fresh vehicles then there is not really a solitary cause to be able to even provide an option. Start working on your following option.
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Nutrition can be a useful thing. No really, it can be. In terms of taking better care of yourself through a healthier diet to make yourself healthier is truly a useful thing. To start learning some basics as to how to make this work for you, refer to the tips below.

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8. Do not get scammed. Basically, it all comes down to trusting your gut. If you do not feel right about any aspect of the mover, do not choose that company. Nothing good can come of going with a company you don’t trust right from the start.
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1,[link widoczny dla zalogowanych]. Get reviews,[link widoczny dla zalogowanych]. Ask your friends and family members for their opinions and experiences with local movers,[link widoczny dla zalogowanych]. Jump on the Internet and seek out reviews from independent websites. Do not even bother reading the reviews on the moving sites themselves since they are only going to post the positive remarks. Try to weed out the reviews that are overly enthusiastic or overly negative because no experience is ever all good or all bad and those reviews could be bogus,[link widoczny dla zalogowanych].
One of the most daunting tasks related to moving is hiring the mover. With all of the horror stories and scams you read about on the Internet,[link widoczny dla zalogowanych], it can be a process that is fraught with pitfalls. Fortunately,[link widoczny dla zalogowanych], you can make the task easier by following eight simple steps.
6. Do not base your decision on price alone. Movers offering a too-good-to-be-true price are too good to be true. All estimates should be fairly close in price, although there will be some differences based on the services each company includes in their base price.
By John Cherry
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7. Get “binding not to exceed” estimates. This means the price will never go above what is quoted in the estimate unless you significantly add items to be moved,[link widoczny dla zalogowanych].
4. Research the company you choose thoroughly. Check the U.S. Department of Transportation,[link widoczny dla zalogowanych], the Better Business Bureau and movingscam.com to see if any complaints have been left unresolved by the company.
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2,[link widoczny dla zalogowanych]. Get professional referrals. Talk to local real estate agents who deal with movers on a regular basis. They are going to know which companies generally do a good job and which ones to avoid altogether.
5. Get at least three in-home estimates from three separate movers that are calculated based on the actual items you want moved.
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Everywhere you go, you find articles which tells you how to improve your life, books telling you what you have not been doing for your life to be what you want it to be, and pamphlets to meetings to discuss those books, what you do not come across often is what not to do.

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By William Davis
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Gap Year South Africa offers a highly creative opportunity to invest the precious time into something creative and towards a contribution to our society. Gap year projects are so designed that they mentor the volunteers into perfect member of the society we live in. The responsibility towards the penurious members of the society is phenomenal and needs the utmost attention with tenderness and warmth. Gap year Africa further advances into launching the community development projects with sole intention of well being of mankind. Poorly resourced elements of the society deprive from the basic necessities and suffer from illiteracy and ignorance. Community development program identifies the segment for interaction and actively volunteers in education improvement,[link widoczny dla zalogowanych], safe health keeping practices,[link widoczny dla zalogowanych], AIDS prevention and such socially affecting issues. This does make sense as meaningful contribution to society has long term positive effects.
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Extreme sea water sports like scuba diving is dangerous if not done in a proper way. There is an opportunity to learn the scuba diving with professionals. This sums up with the complete guidance on perfecting the art of scuba diving along with the weekly live diving trainings. There are professional diving instructor courses which are certified by “PADI.” To the golden side of the story,[link widoczny dla zalogowanych], the participants have an opportunity of getting involved in community service at local destinations. This in fact makes the youth aware about the impediments in the society. A service to the society is always prestigious endeavor and it always teaches to be a good citizen instead of being a number in the mass. These highly nurtured youth gain their experiences of responsibility with totally practical knowledge,[link widoczny dla zalogowanych], which at many times has proven to be more effective than the bookish knowledge.
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Everywhere you go, you find articles which tells you how to improve your life, books telling you what you have not been doing for your life to be what you want it to be, and pamphlets to meetings to discuss those books, what you do not come across often is what not to do.

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6. Don’t save your passwords,[link widoczny dla zalogowanych]. Many websites and even programs on your computer give you the option of saving or “remembering” your passwords. Opt to type in your password instead,[link widoczny dla zalogowanych]. This keeps the wrong someone from gaining access to your accounts. Don’t give them the information they need!
With the eco-chic move to a paperless society, and the convenience factor of receiving bills and paying bills online,[link widoczny dla zalogowanych], millions of people are banking online these days. When you see headlines such as “University of Florida Breach Exposes Nearly 100,000” or “Missing Arkansas Background Records Raise Concerns,[link widoczny dla zalogowanych],” you start to wonder how safe online transactions really are. It seems that an advanced society like ours has a lock-down on our personal banking information. Our bank websites have the little lock icons that ensure encryption and security, right?
5. Type the bank web address. Always make sure you’re really on your banking site by typing the address into your browser rather than clicking on links from emails. Many thieves create phishing sites to look like your bank’s website, but it’s really a ruse to gain your logon and password information.
2. Use unique passwords. Most people have the habit of creating one or two passwords and then using those passwords for everything. The problem with this is that once a thief figures out your password, they can use it to gain access to one account after another—gaining more and more personal information on you, making you more and more vulnerable. Make sure that you use unique passwords for your banking information.
3. Sign off. It’s easy to get distracted and walk away from your computer with your bank account still open online. Some banks automatically log you off if your activity goes dormant,[link widoczny dla zalogowanych], but you can help keep your information safe and secure by logging off of your account when you’re done—each and every time.
Author's Bio:
By by Todd Feinman, CEO of Identity Finder (www.identityfinder.com)
See all Articles by Todd FeinmanGet Updates on Identity TheftGet Updates on Todd Feinman Average: 5 Your rating: None Average: 5 (1 vote) Tweet
7 Steps to Being a Smart & Safe Online Banker
4. Look for the safety lock,[link widoczny dla zalogowanych]. Always make sure you are working on a secure connection,[link widoczny dla zalogowanych]. Look for the little safety lock icon in your browser that indicates your connection is safe and secure (SSL).
The security factor seems high until you realize that almost 10 million Americans were victims of identity fraud in 2008, which is over a 20 percent increase since 2007. With over 2 million personal data records breached since 2005,[link widoczny dla zalogowanych], millions have been exposed to the ill effects that being a victim of identity theft can quickly have. And just like you use the Internet for convenience,[link widoczny dla zalogowanych], thieves are conveniently using it to access your bank accounts,[link widoczny dla zalogowanych], steal you identity, and steal your money
1. Create strong passwords. The entire preface of a password is to protect your information, but there are ways to create more effective passwords. First, use a combination of capital and lowercase letters. Second, create passwords that are at least eight characters long.
7. Don’t go public. Never access your accounts from public computers or computers shared by someone else,[link widoczny dla zalogowanych]. This can expose private information and put it at the fingertips of thieves,[link widoczny dla zalogowanych].
Take these seven steps when banking online for added security. While nothing is 100 percent effective in keeping the identity thieves at bay, there are ways to drastically reduce your chances of becoming a victim.
Banking online is quick, easy, and convenient. It allows you to take control of your personal finances with a few clicks of your mouse. It can also make you vulnerable to identity thieves, which can take a toll on your finances—draining your bank account and exposing your personal information. Practice safe and secure banking by following these seven steps. It’ll keep the convenience of online banking in your life and the inconvenience of being a victim of identity theft out of your life.
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PROGRAM/OFFER: During the initial consultation, review the program offer, the structure and results/outcomes. The length of the program, how the components will be delivered and what will be covered during the program need to be clearly defined and available in writing to the client.

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The borrower instructs the loan officer to lock in the loan interest rate at some point in the process. After the underwriter, who works for the funding lender, approves the loan conditions, the funding lender electronically sends the loan documents to escrow, and the borrower arranges an appointment and sign.
In the old days,[link widoczny dla zalogowanych], prior to this year (2010), we didn’t have initial disclosures. We sent the entire loan package as soon as the borrower expressed his interest in the loan. Today we have approximately 20 pages of initial disclosures the client must sign before they can receive the loan package.
Included in the initial disclosure package is a consent form,[link widoczny dla zalogowanych], which the borrower signs, accepting the terms of the loan, and expressing their interest in continuing the loan process. The package includes a Credit Authorization as well. Upon receipt of the signed Credit Application form, the loan officer can run the credit. The loan package consists of another 20-30 pages.
Once a possible loan program is know, the loan officer prepares the Initial Fees Worksheet and sends to the applying borrower. If the client likes the loan program terms, the loan officer sends all the initial disclosures to the borrower.
The loan process seems streamlined,[link widoczny dla zalogowanych], and it can be. Still, best case, it takes an average of thirty days, from start to finish, to fund a loan. Refinance closing times are more predictable because there is only one principal to deal with.
Mortgage loan originators have a new incentive; if they make a mistake in the initial disclosure estimates, the borrower pays the lesser fee,[link widoczny dla zalogowanych], and the difference in the money comes out of the loan originators pocket.
At this point, the loan process has officially begun. The loan originator orders third party services from title and escrow. The loan officer can run an automated loan approval engine, either Desktop Underwriter,[link widoczny dla zalogowanych], or Desktop Originator. The automated program will either approve or disapprove the loan,[link widoczny dla zalogowanych], subject to certain conditions. It is up to the underwriter, yes a real person, to determine if the required loan conditions (proof of what the borrower claims), satisfy the requirements of the automated loan approval engine.
Once you add a seller, and two real estate agents, and a termite company and overworked escrow staff, additional time layers exist. Even with a refinance loan, approximately 10 people touch the paperwork on each loan. There are fewer available loan programs now, than there were in recent years, so the staff of each of the remaining companies handles many more loan applications than they did in the past. More transactions produce bottlenecks in the workflow.
While waiting for the loan conditions to be approved, the loan officer orders the appraisal through the Mortgage Banker (funding lender) website, and the client can pay for the appraisal on line,[link widoczny dla zalogowanych], using a credit card or PayPal. The appraiser has 10 days, from the date he receives the appraisal request, to produce the appraisal, and send it to the lender and the loan officer. The loan officer forwards a copy of the appraisal to the borrower. The lender must review the appraisal and the borrower signs a document stating that they have received a copy.
The signed loan documents are reviewed for completeness, the loan is funded,[link widoczny dla zalogowanych], and the borrower gets the money.
Processing a real estate loan requires the work of many people and takes lot of time. The following detailed loan processing steps explain, “What happens next.”
Author's Bio:
If the client has a way to sign the documents and scan them,[link widoczny dla zalogowanych], he can return the signed copies via email or fax. To accomplish this, the client needs sophisticated electronic equipment. He needs a computer with internet access, a printer, capable of printing both standard and legal size paper, a scanner, able to scan both paper sizes, and a way to print or copy the 40-50 page loan application so that he has a copy for himself. Alternatively, he can keep a copy on his computer. This is asking a lot of a client, but most people have access to these kinds of equipment. USPS mail is an alternative, however the trade off is the time lost by using this method.
In addition, our new disclosure laws are complicated and the required forms are not readily available. Preparation of the initial disclosures, including the Good Faith Estimate and Truth In Lending forms, take up to four uninterrupted hours to complete.
Many pages of the initial disclosures and loan package contain the same information, written in a different form. My belief is that too many disclosures, giving the same information,[link widoczny dla zalogowanych], all in different forms, confuse the borrower rather than provide him with more information.
By Judith Sellens
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Borrowers are assured that any mistakes made, in estimating fees, are strictly unintentional. Loan originators,[link widoczny dla zalogowanych], responsible for estimating their fees,[link widoczny dla zalogowanych], as well as all the fees charged by the other parties in the transaction, work hard to get the Good Faith Estimates right. It’s a complicated lending world right now, both for the borrower and the loan originator.
First, the loan originator takes the loan application from the borrower. Usually the loan application is taken over the telephone. With the completed loan application in hand, the loan officer has enough information to determine if there is a loan program available to meet the goals of the client.
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You may also use Reiki on your clients while massaging them to enhance the healing and relaxation process. As a Reiki practitioner you will be able to generate more energy through your hands chakras and create more heat as a result, thus making the massage more effective.
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Take some time and explore the possibilities of introducing Reiki to your business. Start by learning how to heal yourself first. Attend a Reiki Level I class and grow from there on, moving forward to Reiki Level II and III.
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Resource Reserves: Building reserves of your resources can save you money, time and stress. Here are some examples:
By planning ahead, you’ll be able to seize opportunities to build reserve of resources, time and energy. I like to challenge my clients to “work their plans” rather than “plan their work.” Proactive planning allows you to group your tasks in the most efficient way, allowing you more overall time for the really important things in your life. It can also minimize stress.
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Energy Reserves. Yes, you can build reserves of energy, too. But do you? If you’ve ever owned a dog,air jordan, you know that they rest every chance they get, so they’re ‘ready to go’ at all times. You can apply the same concepts to your life. Here are some examples:.
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