How to Keep Student Loans Under Control

Here’s a new one. One of our neighbor’s daughters (Annie) is about to head off to a college that believes that student loans are bad, so they don’t offer them!!! While I can cheer that college on for their decision, it unfortunately forces those students who need loans, to obtain them from private channels, rather than from FedLoans. This poses a significant risk for the college students for several reasons. I’ll talk about private loans first.

Private Student Loans (PSL)

According to Student Loan Borrower Assistance (dot) org, “In theory, private student loans are used to fill the gap between available federal aid, and what students and families can afford to pay out-of-pocket for college costs. In practice, unfortunately, many borrowers take out these higher cost loans without first exhausting their federal student assistance options.” PSLs lack the more affordable, fixed rates, and flexible repayment options that federal loans have. Prospective borrowers should exhaust federal grant and loan options before considering a private student loan.

So, Annie’s college is denying their students with an affordable means of obtaining financing for college by not providing federal student aid options for their students. PSLs should only be taken as a LAST RESORT, only after all other options for scholarships, grants, and federal loans are taken.

Interest will start to accrue the moment you take these loans out; there is no “in school” deferment on interest for private loans. So, the amount you borrow today, will grow while you’re in school and you’ll owe much more after graduation, if you don’t start repayment immediately. So many folks have a sticker shock after graduation when they get the bill with all that amortized interest tacked on to these pesky loans.

The good news about PSLs is that outside of bankruptcy, these loans are treated like any other credit card debt. This means that the creditors have a limited amount of time in which they can collect on the debt, also known as a Statute of Limitations (SOL). Each state has its own SOL laws, in California, creditors have Four (4) years to collect on a debt upon a written contract; and Six (6) years, if the contract is a Promissory Note.

Federal Student Loans (FSL)

There are several types of federal student loans, depending upon the type of education, school, and options available based on credit worthiness. The most important part to understand is when does the interest begin to accrue.

Subsidized SLs are the absolute BEST option for your education financing because these loans are (1) interest FREE while you’re in school; and (2) repayment does not begin until Six (6) months after you last attended school. Unsubsidized SLs, on the other hand, begin to accrue interest while in school, similar to the private loans.

By now you’ve probably heard about the various types of repayment programs for SLs. However, payment plans, like graduated, extended, and income based or income contingent repayment plan are only available for federal student loans, not private.

Keep Student Loans Under Control by:

Choose the direction of your life first and determine whether you even need a college degree to achieve your goals. Some of histories great leaders and achievers are college dropouts!

1. Exhaust all other student aid resources such as scholarships, grants, education savings plans (529 savings) first.

2. WORK! Your parents, and myself included, likely worked a job while attending college. My husband took no loans for his education and worked several jobs during the summer months to save for his next year’s tuition. Hard work always pays off and you might as well get used to working hard for what you want.

3. If you must take out a student loan, take SUBSIDIZED federal student loans first. Remember that these loans are interest free during school, and take six months after graduation before they become due. Next, take a federal unsubsidized, then private loans. ONLY BORROW WHAT YOU NEED, NOT THE MAXIMUM OFFERED.

4. After graduation, you’ll have that six month grace period to consolidate your federal student loans and determine what payment plan you can afford. You cannot turn a private student loan into a federal student loan EVER, and why would you after the distinctions made above? ProTip: You can consolidate these loans on your own and don’t need to hire anyone to help. You have a college degree, figure it out. These companies did not exist “back in my day!”

I’m starting to see the younger generation coming into my office for consultations on student loans because they over indulged on credit and enjoyed their college years with nothing to show for it, but unemployment and mountains of debt!

The Law Office of Christine A. Kingston is a Federal Debt Relief Agency. We help people file for bankruptcy under the Bankruptcy Code. Our practice is limited to Chapter 13 and Chapter 7 bankruptcies, student loans and debt settlement.

Six Worst College Majors for 2017 and Future Employment

The astronomical cost of college today makes finding an appropriate major even more important. Making the most of your college education is vital to your career success. While finding something you love is a blessing, being open-minded about the job market and employment opportunities is mandatory.

With student loan debt rising every year, our college students need to be very careful how they spend their money for education. Your ultimate goal upon graduation is to find a career and job that makes you happy and allows you to make a decent living.

Parents need to help their high school students investigate the career opportunities that will be available after they graduate. Before making your final decision on which college major to pursue, you need to evaluate the pros and cons of your desired field of study. The end result is that students will make better decisions about what their future holds.

Here are six college majors with limited opportunity for employment upon graduation:

1. Religion: Traditional colleges are not the road to take if you are looking to devote your life to religion. Most religious careers have low-income potential and provide great self-satisfaction rewards for the right candidate. If this is the career path that you want to pursue, speak with your local priests, bishops, ministers or rabbi. They can steer you along a path that will most likely cost nothing and provide the guidance that you are looking for.

2. English Literature: While literature is a wonderful way to enjoy your free time, it may not be the best career path in today’s job market. It can help you build some great skills, but in the real world, you will be overlooked for others with a more diverse set of business, computer or technical training. Careers in this area are very low paying and would not help pay your student loans that were incurred during your education.

3. Anthropology: Very few opportunities exist for recent graduates in this field and over the coming years, there will be even less. While this may be an interesting and enjoyable hobby form many individuals, it is not a promising career alternative. Something in the medical sciences would be a better alternative and provide many different avenues for career advancement.

4. Fine Arts or Photography: Being an artist or photographer is a wonderful talent and can be enjoyable to envision your final work. But the reality is that careers in this area are not very profitable or plentiful. With the advent of great cell phone cameras and sophisticated, easy to use editing programs, digital arts and photography have become simple for the average person to get great results.

5. Music: If you are talented and focused, you will be successful. Normally that is true, but careers in music are very hard to come by. They success rates are similar to those of professional athletes. Many great voices, many great musical minds are left behind as only the top 1% actually make a reasonable living in this field. It can be a great side job or hobby, but if you are planning to make it a career, it will be a bumpy road.

6. Exercise Science: For those considering this major, please re-consider. Your employment opportunities are no better than if you were an athlete in high school looking for a job at a gym or being a personal trainer. Pay scale is generally low and there are no specific jobs that require this degree for employment.

Summary: These six majors offer less than desirable potential for jobs upon graduation. Be mindful of your need to earn a living as well as pursue a passion. Unless you are independently wealthy and do not need to work, the cost of your education would be better spent building an enjoyable and prosperous career.

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Keith Maderer has been a Financial, Investment and Tax professional in the Buffalo-Niagara region for over 30 years. He helps individuals and families by providing Simple Solutions to common problems that get in the way of enjoying life and retirement.

He is an author, an entertaining and humorous speaker that enjoys captivating audiences with stories, anecdotes and messages that inspire and motivate others to achieve their goals.

Award Winning Underwear

Marlies Dekkers graduated from the Academy of Art with distinction in 1991. Her style is visionary and ground-breaking. Typified by an innovative strikingly graphic character that utilises modern materials whilst retaining superb craftsmanship. A real trend setter who finds inspiration in poetry, literature, visual arts and film.

Marlies Dekkers was born in 1965 and after graduating in 1991 she began work on her ‘Undressed’ collection founding her own designer lingerie company in 1993. Subsequently she exhibited her fabulous swimwear collection with the unique signature ‘straps’ design. The ‘Sundressed’ collection by Marlies Dekkers only uses the best quality materials and the comfort and gentle fit of the garments is renowned.

Many of Marlies Dekkers’ creations are displayed in modern art exhibitions and are sought after worldwide with Pussycat Dolls wearing Marlies Dekkers. Awarded the ‘Dutch Body Fashion’ award in 1993.

NEW YORK, 6 August: Marlies Dekkers’ scorching hot lingerie collection ‘Dare to Bear’ won the coveted CILA award for Best Fashion Lingerie.

Contours Magazine, the number one US lingerie publication, present the Annual Contours International Lingerie Awards (CILA) to reward the most creative and outstanding designs around. The event also highlights how ‘intimate apparel’, a 16 billion-dollar industry, plays a major role in influencing and directing mainstream fashion.

The brand, Marlies Dekkers, beat fellow finalists Christian Lacroix, Elle MacPherson, John Galliano and Chantelle – scooping home the prestigious award. The jury were said to be amazed by Dare to Bear’s innovative style, originality and print.

The Importance of Council of Fashion Designers of America (CFDA)

The Council of Fashion Designers of America (CFDA) is one the most important trade associations in America and the world. Its main motive is to promote American art and culture using fashion as a tool. Thus the purpose behind its foundation has turned out to be successful venture as it has achieved its goal handsomely.

Since 1962, when it was founded, it has remained one of leading fashion associations committed to the cause of bringing excellency in fashion arts. It has been successful enough to enhance the aesthetic and artistic quotient in the field of fashion design and accessories.

By nature, it is a non-profit trade association. Basically, its main task is to provide right direction to all the aspiring, talented and enthusiastic fashion designers who have the potential to emerge on the horizon of fashion.

For the better implementation of its strategies and to gain the maximum benefits of its mission, the CFDA starts functioning from the very basic level. It provides help and support, by all means, to not only the students of universities but it uses its resources in the high schools too.

The membership of Council of Fashion Designers of America (CFDA) counts more than 300. All of them are leading and famous fashion and accessory designers of America. Most of them were noticed in their aspiring age, thus picked up by the association for their better grooming.

The fashion association has developed a very strong tie-up with Vogue. Apart from working together on fashion front, they raise funds to fight HIV and AIDS. Also the association works for the cause of breast cancer under the banner of Fashion Targets Breast Cancer. The CFDA’s members take active parts in such human-friendly works.

Moreover, the fashion association gives an annual award to recognize the impressive works done by a fashion designer in the field of fashion. The annual CFDA Fashion Awards are given under various categories such as menswear, womenswear and accessories. Also, the association promotes fashion journalism. Thus it gives awards in the fields of journalism also

Interesting Facts On Fashion’s Favourite Rebel Vivienne Westwood

Largely responsible for bringing modern punk and new wave into the mainstream, not only is Dame Vivienne Westwood a fashion designer, activist and businesswoman, but also most certainly a fashion mastermind.

Punk pioneer Vivienne Westwood is undoubtedly one of Britain’s most recognizable living icons and has left a clear mark in the fashion world, as well as in other areas. Her contributions to modern times are not only creative, but also political and cultural.

Get to know the fashion world’s favorite rebel with these interesting facts of her life and career.

1. She was born Vivienne Isabel Swire

She became Vivienne Westwood when she married Derek Westwood. The marriage only lasted 3 years.

2. Vivienne is a war baby.

She was born during World War II on April 8, 1941 to working class parents in Tintwistle, Derbyshire, England. She lived in a part of the country that had grown up in the Industrial Revolution. She didn’t know about art galleries, seen an art book, nor been to the theatre.

3. She almost gave up fashion and art

Vivienne started sewing clothes for herself at the age of 12 and studied fashion and silversmithing at the University of Westminster’s Harrow School of Art at age 17. But after only 1 term, she left to study at a teacher-training college and eventually became a primary school teacher. Reason why she left the university – she didn’t know how a working-class girl like herself could possibly make a living in the art world.

4. Fashion still calls for her.

Even as a teacher, Vivienne still was able to create her own jewellery, which she would sell at a stall on Portobello Road. She even made her own wedding dress for her wedding with Derek Westwood. After her split with Derek, she met art student and soon to be music business maverick Malcolm McLaren and he became her business partner and lover for 10 years.

5. Vivienne Westwood is the Godmother of Punk

Malcolm opened doors for her in the fashion and art world starting by dressing up the punk rock band that Malcolm managed, the Sex Pistols. The partners soon opened a boutique on King’s Road in Chelsea and called “Let It Rock”, later known as “Sex”, then as “Too Fast To Live Too Young To Die”, “Seditionaries” and lastly “Worlds Ends”. When it opened, the shop proved to be an important fashion and cultural centre for the punk movement, which began in the 70’s in the UK, then spread around the world, and is still very much alive today.

6. A Fashion Mastermind continues to evolve

After the punk era, Vivienne experimented with other themes in the early years of her career starting with her main women’s ready-to-wear line entitled “Pirate” that offered a romantic look which burst onto the fashion scene of the British capital and ensured the collection’s place in history. Her following collections took inspirations from diverse sources such as the film ‘Blade Runner’, the desert landscape, undergarments and Tokyo’s neon signs. She dubbed the period in her career from 1981 to 1985 as “New Romantic” and the one from 1988 to 1992 as “The Pagan Years”. During the latter period, Vivienne’s heroes changed from punks and ragamuffins to ‘Tatler’ girls wearing clothes that parodied the upper class.

7. She does the unexpected

Fast forward to present day… 2014 was a big year for Westwood. She designed not only the new Virgin Atlantic uniforms but also beloved pop culture icon Miss Piggy’s wedding dress for the Disney film ‘Muppets Most Wanted’. The highly anticipated wedding of Miss Piggy and her groom Kermit the Frog took place at the Tower of London where the bride walked down the aisle in a Vivienne Westwood long ivory court wedding gown, with corset detailing and paillettes made from recycled plastic bottles.

8. She’s a Rebel with a Cause

Vivienne often uses her catwalk shows, especially for her menswear and Red Label lines, as platforms to campaign about issues that she supports, such as climate change and Scottish independence. During London Fashion Week in September 2014, for her Red Label Spring/Summer 2015 collection, she sent her models down the runway wearing ‘Yes’ badges, proudly showing her wish for Scotland to break away from the UK. So it is no surprise that Vivienne was inducted into the Scottish Fashion Awards Hall of Fame for consistently used Scottish textiles and fabrics within her collections as well as for the significant impact she has made for campaigning for human rights and environmental issues.

Vivienne Westwood’s distinct point of view and passion are very much unique and worthy of praise, as she has shown throughout her career which so far spans over five decades. To this day, she remains as one of the most sought-after and influential designers, inspiring other brilliant and creative minds such as Karl Lagerfeld and John Galliano. She has dressed everyone from the Sex Pistols, to the Princess of Wales and many of today’s most iconic celebrities such as Scarlett Johansson, Gwen Stefani, Pharrell Williams and Marion Cotillard, just to name a few.

Simply Coco – How One Woman Changed the Fashion Industry Forever

Deep in the countryside of Saumur France, August 19, 1883 bore the birth of a baby girl given the name Gabrielle Chasnel. As the illegitimate daughter of a forsaken romance between an aspiring seamstress and a Nomad, Gabrielle would grow up ashamed of her family and later lead her life in denial of her past. Still against all odds, she would become a legend; one who would eventually be known to the world as Coco Chanel. As an integrative fashion designer, Coco single-handedly launched what is now considered to be one of the world’s most recognized brand names: Chanel. Named after her adopted surname, the company which first began in a small French village nearly 100 years ago is now worth an estimated 11.8 billion dollars. How exactly did Coco Chanel accomplish such a rags-to-riches fairytale? Her journey was not a simple one.

Gabrielle Chasnel began her life as the second child of Jeanne Devolle and Albert Chanel, a young and unwed couple searching for independence and identity. When Gabrielle was born, her birth was recorded by two illiterate employees of a local hospice. The workers were not sure of how to spell ‘Chanel’, prompting them to improvise and spell her surname incorrectly as ‘Chasnel’ on the birth certificate. Later as an adult, Gabrielle would refuse to correct this mistake in fear that the truth of her illegitimacy would become public. The Chanel family struggled financially during Gabrielle’s childhood, with Albert and Jeanne often sacrificing their own food to feed their children. By the time Gabrielle was 12 years old, she had 4 siblings in total. Despite having relatively close relationships with her family now, Gabrielle would later insist that she was an only child, and pay her real siblings off as a way to prevent public humiliation from the truth about her real family. Her father left early in 1895 that year to expedite across Europe, leaving Jeanne alone to support their 5 children. The combination of loneliness and stress led Jeanne to face a series of medical problems. Her health matters only became worse over the years, and she eventually died from tuberculosis in the winter of 1895.

Gabrielle’s father returned for a short while, but soon left again in hopes of saving up money to raise his family. Because of his absence, the Chanel children were divided to stay with extended family and orphanages. Gabrielle, along with her older sister were sent to an orphanage. Since they had no money, the girls stayed at the home for free. Still, this was in no way considered a privilege. The nuns or “aunts” as they were referred to at the Catholic-based home were extremely cruel to the Chanel sisters in particular, and often singled them out for being ‘charity cases’. To ‘earn her keep’, Gabrielle was forced to became a seamstress. Though assured that her stay there was temporary, Albert never returned to his family.

Gabrielle remained in the orphanage, visiting her other relatives only during school vacations. On the occasions that she did visit, various female family members adamantly taught Gabrielle techniques to improve her sewing. At the age of 18, Gabrielle left the orphanage and began working for a local tailor. Despite talking freely about her experience at the orphanage, and explaining in meticulous detail the abuse in which she encountered from the ‘aunts’, Gabrielle later insisted that she was more than thankful for her upbringing. She once told a French newspaper that “I’ve been ungrateful toward the odious aunts. I owe them everything. A child in revolt becomes a person with armor and strength. It’s the kisses, caresses, teachers, and vitamins that… turn [children] into unhappy or sickly adults. It’s the mean and nasty aunts who create winners… under nastiness looms strength, and a passion for grandeur.” Still, Coco frequently contradicted herself, blaming the aunts for her all her inferiorities. This irregularity from her interviews led many to question her honesty in later years.

The first decade of the 1900’s not only brought the fresh start of a new century, but also many personal changes for Gabrielle. After adopting the name Coco during a brief stint as a cafĂ© singer from 1905-1908, Gabrielle met and began an affair with a man she was introduced to while working at a tailoring shop: a French playboy and millionaire, Etienne Balsan. Gabrielle, hereafter referred to as simply ‘Coco’, quickly turned into a member of an accustomed high-class society. Life became a materialistic game in which Coco thrived to have more riches than anyone else. Balsan endowed Coco with splendors of the rich life, including diamonds, dresses, and pearls. During her time spent living with Balsan, Coco took on the hobby of designing hats for herself. Soon, this frivolous pastime became a much more profound talent and interest of the budding designer. In 1907, Coco opened up her first shop which offered a range of chic raincoats and jackets for a generous cost. Coco later confessed that the shop was in fact Balsan’s lavish Paris apartment, and that she had taken it over after leaving him the prior year. Though the fashionable boutique was located in the center of thriving Paris, France, the store was not as prosperous as Coco had hoped. She was requested to surrender the property in early 1908. Still, the lack of success from her shop failed to disappoint or discourage Coco; it only made her more determined.

On a chance occasion prior to World War I, Coco reconnected with Etienne Balsan’s former best friend, Arthur “Boy” Capel, a wealthy English polo player who Coco later referred to “the only love” of her life. The two soon began a madly passionate relationship that lasted from 1909 until 1918, though Capel was never completely faithful to Coco. Still, Arthur had a lasting impression on the styles of Coco, and his abundance of money helped her to gather enough resources to open another shop. With his support, Coco eventually gained access to a desirable property and financial assistance to open her second millinery shop in Brittany, France.

This time Coco experienced much more success than she did with her previous shop. Impressive clientele at Chanel’s shops, including famed American diplomats and renowned French actresses helped to build her notable reputation. In the middle of 1913, Coco opened her third and largest boutique in Deauville, featuring original women’s sportswear. This was a huge change from the common corsets that most women opted to wear to impress their husbands. A preferred location helped this shop become more profitable than the others; most women in Deauville during the World War I era were coming to realize that women should dress for themselves instead of their men. The wardrobe in which Chanel offered seemed captivating and liberating to women of this time.

Nonetheless, Capel’s influence played a huge role in deciding what fashions Coco would choose to style and sell. For example, the design of Arthur’s favorite blazers inspired Coco to incorporate a squared, masculine touch on classic suit designs. These styles still remain a staple part of the Chanel wardrobe. Coco and Arthur’s affair lasted for many years. Though Capel married Diana Wyndham, an honorable English aristocrat in late 1918, he still remained close to Coco. Later in her life, Chanel listed Capel’s fatal car accident in late 1919 the “single most devastating event” in her life. Many believe that the tragic loss of her great love was the sole reason why Chanel never married.

In the year preceding Capel’s death, world ballet impresario Sergei Diaghilev introduced a distraught Coco to famed composer Igor Stravinsky. Aside from consoling Coco’s broken heart, Sergei became a close friend and supposed companion. Chanel offered Diaghilev and his family to reside with her in her French estate. During the time in which this temporary abide took place is when it was rumored that the two had an affair. Two years after her so called ‘illicit affair’ with Diaghilev ended, Coco introduced a new product: a perfume, called Chanel No. 5. The new fragrance quickly became, and remains one of the most lucrative products of the Chanel empire. A man named Pierre Wertheimer was announced Coco’s partner in the perfume portion of the business in 1924. It was also speculated that Wertheimer may have been yet another one of the many lovers Coco had in her lifetime. Still, Wertheimer remained a close confidant and his family continues to control Chanel’s perfume company today.

In 1923, Coco told Harper’s Bazaar magazine that “simplicity is the keynote of all true elegance”. Chanel applied this statement to each and every feature of her company. The clothing she designed was always ensured to be simple, comfortable, and revealing. One of Coco’s greatest talents was the art of upgrading fabrics that were considered ‘poor’, such as jersey. Coco was also extremely influential in helping design the iconic 1920’s flapper: young women who strutted around with sleek hair and flat chests, publicly applying their makeup and smoking with long cigarette holders.

In 1925, a woman named Vera Bate Lombardi became Chanel’s official public relations liaison to several European royal families. Lombardi was reported to have had the highest correlations to build the House of Chanel. Interestingly enough, it was Lombardi’s personality whom Coco established her English Look based upon. Lombardi introduced Coco to her aristocratic family members, including her uncle, the Duke of Westminster and her cousin, the Duke of Windsor. Her close relations with many other royals only assisted in Chanel’s creative rule of the fashion world.

Also in 1925, Coco introduced her long-anticipated signature cardigan jacket. The iconic Chanel jackets have several distinguishing designs, and are constructed differently than the traditional tailored jacket. For example, Chanel’s original pieces contain silk lining quilted directly to the fabric, opposed to the usual inner structure of pad stitching. Additionally, Chanel jackets all feature machine sewn and hand-stitched fabric, providing them with more durability. The distinctive Chanel three-piece sleeve is also constructed similarly before being hand sewn to the jacket’s body. The arrays of heavy trims, metal buttons, and curbed chains sewn to the hem have a functional purpose as well. All of these factors together grant the finished product with a tremendously comfortable garment. Most of Chanel’s inventive fashions, including her signature jacket have not changed much since their original debut. This can prove that Chanel’s integrative styles were the product of a brilliant woman beyond her time.

The year 1926 brought the birth of what is now considered to be ‘the’ staple item in every woman’s closet: the signature little black dress. Now commonly referred to as simply a “LBD”, the little black dress was an instant success for Chanel, prompting American Vogue to call it the “Ford”; just as Henry Ford’s Model-T car, the LBD was an immediate hit and widely available. Chanel’s first creation of the little black dress was a slash-necked, short silk dress with diagonal pin-tucks serving decoration. Though many may perceive the LBD as too plain, Coco strongly believed that fashion should be just as functional as it was chic. Ideally simple, her interpretation of the LBD was designed to conceal stains and to fit every woman. The little black dress also is extremely versatile and can be dressed up or down to fit different people’s needs perfectly. Some believe that Coco’s early years spent at the convent orphanage with nuns offered Coco an intuitive affinity for the “uniform” worn by the women who had raised her in her time of need. Regardless, Chanel’s legendary LBD has remained the epitome of simple elegance for over 80 years.

In 1939 at the start of World War II, Coco closed all of her shops. She believed that in the middle of the entire world’s chaos, fashion was not a top priority. Coco began residing in what would become a more than 30 year stay at the Hotel Ritz Paris. During the Nazi occupation of Paris, she was widely criticized for engaging in a steamy affair with Hans Gunther von Dincklage, a German officer and Nazi spy who secretly arranged for Coco to remain in the hotel. During this same time period, Coco maintained two other residences, both of which were also located in France.

In fall of 1943, Coco sought to end 4 years of professional partition with Vera Bate Lombardi who was staying in Rome. Though Lombardi was unaware of it then, Coco’s true intention was to contact Lombardi’s relative, Sir Winston Churchill. Churchill was a member of the Walter Schellenberg Nazi plan “Operation Modellhut”. Chanel extended an offer for Lombardi to resume her work for Paris’ House of Chanel. Lombardi was overwhelmed until she discovered the truth behind Coco’s request. Vera adamantly repudiated Coco’s request, citing the fashion designer’s guise as “cut-throat”. Vera was later captured as an English spy and was locked in a Roman prison by the Gestapo. Chanel was also briefly arrested for war related crimes, shortly after Lombardi’s detainment. However, Coco’s close ties with the British Royal family ultimately prevented her from being taken to trial.

Two years after her close encounter with prison, the Nazi Empire crumbled and France was free once more. Still, the French government warned of harsh punishments to French citizens who may have partnered with the Nazis. Coco’s previous ties with Hans Gunther von Dincklage provoked several rumors about her loyalty to France. Fearfully Chanel fled to Switzerland, in hopes of obtaining a fresh new start. Coco chose to convey an upscale, yet relatively low-key lifestyle, residing in upper Lausanne aside the sandy shores of Lake Geneva. She could often be seen indulging in beauty treatments at the Valmont Clinic, which was in close proximity to her oceanfront home. Chanel was also frequently witnessed at the Steffan tea room in upper Montreux, a popular spot for local celebrities. During her stay in Switzerland, a distraught and spiteful Coco began to create her own collection of perfumes without informing her partner Pierre Wertheimer. Though Wertheimer believed his legal rights were breached, he settled the disagreement with Coco civilly. She eventually sold inclusive rights to her name to the Wertheimer family in exchange for a monthly remuneration. This stipend helped to support her and her live-in friend: former Nazi spy, Hans Gunther von Dincklage.

1953 marked the year that Chanel finally returned to Paris, only to discover that famed designer Christian Dior was now the alpha of the couture world. Coco decided to consult her estranged former business-partner Pierre Wertheimer for guidance and financial back-up. In return, Wertheimer was awarded full rights to all Chanel products. Their alliance was hoped to have sparked a flame that would reignite Coco’s majestic stance in the fashion industry. However, this was not the case for the French selection of her clientele. Chanel’s new collections were not successful with local Parisians. It is widely speculated that this is because of Coco’s publicized previous relations with German officer von Dincklage. Still, her collection was celebrated by Americans, who would later become her most prevalent purchases.

In February of 1955, the now famous Chanel suit was re-introduced to the public. Her casual yet sophisticated styles once more captured the eyes of women globally. Also in the same month, the fashionable Chanel chain handled quilted leather handbag originally premiered. Coco additionally and impressively established her first men’s cologne, referred to in France as eau de toilette, which she named Pour Monsieur. Chanel’s spring collection was granted the Fashion Oscar at the 1957 Fashion Awards in Dallas. Soon after, Chanel introduced pea jackets and bell bottoms, whose popularity soared in the 1970’s. Coco is also believed by many to be the initial trend-setter for the now popular suntanned skin look. On the eve of her return from St. Barts, Coco sported a summer glow to a fashion show, standing out from the rest of the powdered and pale faces of all the other women.

January 10, 1971 was the final day of Coco’s life. Her obituary listed her as still “designing, still working” at the time of her death. Though she led a remarkable and extraordinary life, Chanel died alone, with only the presence of her sketches and fabric samples to keep her company. In the last years of her life, Coco had become somewhat of a recluse, only leaving her home when absolutely necessary. She had few real friends, and no family. Many may have envied the aspects of Coco’s glamorous and wealthy lifestyle in theory, but most would not have traded their own lives for hers. Though Coco died with a superfluous amount of money, she was lonesome, and never got to experience the one-of-a-kind love and joy of having a husband or children. After her death, Coco Chanel left behind a true legacy. Still, her life seemed as empty as her pockets were during her childhood. She was 87.

How to Find Grants to Pay Off College Loans

It is no shock that everyday students who did their best in high school are looking to pick a college, get a better education and get a great paying job that will help them become more productive in life and society. Just log onto any social media outlet and you will see that more and more students are looking into a college education. It seems that doing good in school is not enough these days. More and more students are struggling to earn their college degree. Why? Because every student knows that once you graduate from a university with a major, you have a better chance of getting a higher pay rate and a better job. Just ask anyone who has been through the experience of going to college and you will soon realize that it can be fun and a challenge all wrapped up into one. However, upon further review you will notice that the university life is a costly life style and many students are turning to a sugar daddy to help pay off their student loans. Think of it like having a super rich daddy figure who is willing to give you an allowance to help you make ends meet.

Working at a place like Children’s Hospital of Philadelphia (CHOP) or facilities like CHOP does not come without a cost. Thomas Jefferson University has an amazing nursing program. Having said that, many of the young college students need a sugar daddy to help pay for their student loans. Every student’s first goal is to advance in life and get a successful education. Many never give thought to all of the costs that are associated with life at the university. This is where having a sugar daddy can help. A sugar daddy is someone who is willing to adopt a student, often called a sugar baby. This whole relationship between a sugar baby and her sugar daddy is a special one. This relationship is beneficial for both the sugar daddy and the sugar baby. As the student furthers their education, there are many costs. Things like tuition, housing, entertainment, food and the cost of books goes up every year. As a college student trying to find all of these funds and repaying student loans becomes stressful. A sugar daddy can provide an allowance that will help to pay the bills and keep food on the table while the student does their homework. Everyone knows that student debt can remain for years after graduation.

It’s a shame that so many people work hard to graduate from the university and once they do, they are surrounded with massive debt that will follow them for many years to come. The good news is that many sugar daddy, father figure types are stepping up to the plate and helping payoff student loans.

Think of it like a catalog shopping, scholarship program if you will, with one major difference. The customer service that the sugar baby offers to the sugar daddy, combine with the incentive and customer rewards programs are amazing. Being a sugar daddy has some major perks. First, the relationship between the two people who are seeking arrangements, puts everything on level ground. This is a relationship where the terms can be outlined at the start and followed through. This leaves both parties without expectations because they already understand what their terms are. This takes away all the stress and allows both people to enjoy the relationship.

Just like any relationship, when stress is taken out of the picture, the relationship flourishes. It is like when you take the stress out of any situation, things get better. For example, when the sugar daddy enters the life of the sugar baby and starts to pay off the student loans, the stress goes away and the university student can concentrate on getting good grades.

The cost of living both during your university years and after you find a good paying job are staggering. One of the greatest things you can do to help a college student is to take away some of their financial pain. Being able to help a student with their student loans is a great feeling. As you might know, so many university students struggle with their bills each and every month. Often they have to pay for books and supplies and food goes on the back burner. As a student there are many things being accomplished and the help and support of a sugar daddy is very helpful to the over all well being of the student.

Living in the dorm or near by the college is not always what it is cracked up to be and having an older uncle or daddy figure to spend time with can be a blessing. This relationship is drama free and there is the feeling of no strings being attached because everything is outlined upfront.

The possibilities are endless, just like the imagination of the inner child. The terms of the relationship are open to discussion between the two people who are seeking arrangements. This is one thing that both people seem to enjoy, the freedom to be in control of their own relationship. This is how all adults should live. The relationship established between a sugar daddy and a sugar baby helps the university student to learn many life lessons. Things like time management, being on a budget and more are all part of the relationship. In the modern world, everyone is doing their best to maintain a beneficial relationship that is mutually rewarding.

There are many times when the bond between a sugar daddy and a sugar baby is formed so strong that these two people stay close friends for life, doing things with one another, long after university life is over and the student loans have been paid. Again, this relationship is free from the drama and stress associated with other types of relationships and the two people can work on the relationship itself.

Arrangements of this type are able to offer something for everyone. Together the people who are seeking arrangements, once established, can have fun and make the most of life. As with every relationship, communication is the heart and soul, the very bloodline of this relationship. Together the sugar couple share every aspect if their life or, as many as they are comfortable with. It’s whatever the relationship allows for and in most cases, it’s a lot. Let’s face it, no sugar daddy starts a relationship with a sugar baby just because he wants to pay her bills, however, he doesn’t mind giving her money to pay her student loans and other things she needs. He understands that it feels good to be able to help and there are many benefits to being her sugar daddy.

Often daddy is there to help a sugar baby when there is no one else. All hours of the night or during the wee hours of the morning, a baby can always count on daddy for stimulating conversation and so much more. Daddy is ready to listen and give advice to his sugar baby regardless of what is going on in her life. Just because there is no stress in the relationship between daddy and baby does not mean there isn’t other forms of stress that they will each deal with. The good news is, they are there for each other and will listen to each other and each person in the relationship will be there to help the other person relieve stress. That is why these relationships are well sought after and work very well for so many people.

How Do Christian Louboutin Shoes Manage to Get All the Coveted Fashion Awards?

A woman with a good eye for the good stuff knows when she sees the right pattern and style. The woman truly knows what good style is all about and how she can use it to the best of her advantage. Women also know their bodies really well and what suits them.

They study the trends that are there fastidiously and then choose what suits them the best. The selection is based on not only their body types and the latest fashion trends but also on the amount that they need to spend in order to get the coveted style. Christian Louboutin replicas are always a solution.

When the winners are announced in the shoe style center, Christian Louboutin is always in the forefront. They have been presented with a special award from the house of women of all nations to thank them for dressing their feet so very wonderfully. It is almost like a life time achievement award. The celebrities have an array of these fashion shoes with the most wonderful of accessories in their closets. The best of high end styles, which come from Christian Louboutin fake with no high end prices that are attached to them! The trends that are inspired from the latest in the fashion world and of the kind that are classics never ever go out of vogue! And since these stars are the main inspirations for recent fashion trends, women are always trying to find out what these stars are wearing. Obviously, these Hollywood icons only wear clothes from the top designers, and unfortunately for most women out there, these designer items are way over their budgets. But the best news is now here because of the Christian Louboutin replicas!

The inspiration for these Christian Louboutin replicas are the type that are drawn from all over; it could be from nature, the monuments, a part of one’s body or just the particular color. That is what makes these shoes a class apart. Something, that gets the brand the coveted prize and gets the wearer the coveted assignment, project, job, business deal or the man in her life. Different people look for different things out in life. And, with these fabulous shoes on one’s feet it becomes extremely simple to be able to achieve it. These shoes are not only very light on the pocket, but they are so indistinguishable from the originals because of the very same materials used. So you are not only assured of the stylish look but also the comfortable feeling that these wonderful replica shoes will give you.

If you are in the mood to greatly pamper yourself then these Christian Louboutin replicas will allow you to do so. The wonderful leather, the smartest of suede, the best of satin, the softest and lightest of chiffons will allow you to do so. Shoes are certainly the most essential of additions in a woman’s wardrobe. The right variety and brand will allow one the best of both worlds.