All About Online Banking

Banking today isn’t about standing in line anymore. Instead of waiting in line, go online, and discover the advantages of internet banking. Access your account 24 hours a day, 365 days a year. Do all of your banking from the comfort of your own home. In fact, the advantages are numerous:

  • Look at your financial statements anytime you want. The online transaction record is updated instantly, so when the bank knows you made the transaction, you know too.
  • Save precious time and money. Going to the bank often requires booking time off work, driving a considerable distance, and spending hours in line. Doing your banking from home will save you has money, and will help you avoid unneeded stress.
  • Reschedule your payments. If you need to skip a payment, or pay off your credit card early, a simple click of the mouse and the transaction will be complete.
  • Send yourself money. If you are in the business or habit of sending money internationally, or even between cities, you could save yourself considerable hassle by transferring your money electronically from the comfort of your chosen internet connection.
  • Borrow money when you need it. If you have a financial product such as a line of credit, you can borrow money from it over the internet. A simple click and you can place the money in your checking or savings account.
    The possibilities of using the internet to conduct financial transactions has greatly increased the flexibility of the modern internet user. Instead of spending your life waiting in line at a bank, go online, and save your time and money.

Jewelry Making Kit Ideas for Kids

These jewelry making kit ideas include projects for both girls and boys. You may consider creating and selling kits like these as a business, or giving them as gifts, or using them to offer beading parties for kids.

Popular Projects for Teen / Kids Jewelry Making Kit

Children and teens love to make and wear jewelry. And a trendy jewelry project with a cool name can make a lot of sales!

These are some popular jewelry projects for kids of all ages to make. They are great designs to teach at a jewelry workshop or beading party, or to offer as kits.

1) Friendship Bracelet – for boys or girls. This has been a hot jewelry item for the past several years, with no sign oflining. Nice made with either "natural" beads, or colored glass / plastic ones, and strung on leather or hemp cord.

2) Friendship Anklet – similar to the bracelet above, except made ankle-size. (Less likely to be worn by boys.)

3) Surfer Dude / Surfer Chick Necklace – for boys or girls. A rustic choker-length necklace featuring a few beads and sometimes a small pendant. You can offer a variety of rugged, "natural" beads like clay, bone, horn, wood, recycled glass, etc. The beads and pendant are strung onto leather cord or rubber tubing, fastened with either sliding leather knots or a basemetal clasp. This is an especially popular teen / older kids jewelry making kit.

4) Princess Bracelet – an extremely popular jewelry making kit for girls. Possible components: large-hole beads to string on a pretty ribbon that ties onto the princess' wrist with a bow; beads to string on heavy-duty stretch cord; beads to string on beading wire and fastened with a basemetal toggle clasp. Pink and purple are a must in these designs.

5) Dragon-Bone Necklace – a popular jewelry making kit for boys. Simply provide a variety of bone beads and a few interesting spacer beads to string on leather cord and fasten off with sliding, adjustable knots.

6) Magic Bracelet – for boys or girls. An assortment of small magnetic hematite beads in a variety of shapes makes an endlessly fascinating toy as well as a piece of jewelry.

Tips for Creating a Jewelry Making Kit

Many of the commercially-made jewelry kits are disappointingly junky. They have a skimpy assortment of cheap components, flimsy tools, and poorly written instructions – packaged in a deceptively large box. It's very easy to create something that's vastly better than these!

When I create a jewelry making kit for workshops or for sale, I put myself in the customer's shoes – what would be excited to find in the kit? Here's an example of how I created some bead bracelet kits:

Each kit contained beads in a popular color scheme, with some nice contrast accent beads and at least one cool focal bead. I included an inspiring mix of bead colors, shapes, etc., and used a beadboard to measure how many inches of beads I was putting into each kit.

Then I tossed in a few extra inches of beads, so the recipient would have a good selection to design with, plus some leftover beads for other projects. I added a coil of leather stringing cord (cut a few inches longer than even the largest wrist would need), and instructions for good design, a comfortable fit, and making sliding knots.

I packaged it all in a transparent jewelry zip-close bag, stapled my product card to the top – and had a nice jewelry making kit.

Construction Engineering Jobs Are Critical In A Building Boom

With the recent decline in home sales and the increase in foreclosures, we are poised for yet another change. New home sales are predicted to be back on the rise in the coming years and with the increase in new home sales will come an increase in construction engineering jobs. New construction will again take hold as soon as home prices are said not to go any lower. This leaves room for the prices to go nowhere but up.

Anytime you have new homes being built you will have construction engineering jobs being created. Over the last couple of years, many people got out of the industry as many companies were losing bids and jobs they had previously held. One company, for example, would routinely build hundreds of homes per year. However, when the housing crisis hit they went from hundreds to only building 10 homes in 2010. This of course left them to the only course of action to save their business and that was to lay off over 80% of their staff.

When these layoffs occur, you have many people out of work. When you have people from the construction industry out of work, they typically try to stay within the industry somehow. Therefore, what you end up with is possibly a construction engineer job being taken by a person who used to manage a job site. In addition, you will have a site electricians position being applied for by a plumber. It is not uncommon for people to switch trades when jobs are scarce.

When the economy is in trouble, people scramble. During this period, we had many people learn new trades and are now able to fit into multiple positions within the industry. Estimates now have the economy being revived in the next 3 years. In this period, we will see many new homes being built and this will result in new jobs being created. Some of these new jobs may be filled by people who are new to the industry while some will be filled by people who worked in the construction industry before the crisis and have since just changed the job they do.

Construction engineering jobs pay very well. In addition, any job that pays well will usually require some time spent in school. These are not jobs that just anybody can do. They require training and technical expertise. With all the layoffs over the last couple of years, many people went back to school. There were a percentage of people who had money saved and were able to take the time during their layoff to go to school. In addition, those who did and wanted to remain in the construction industry would have been smart to go into construction engineering. The amount of jobs available to a person with that training under their belt is almost triple what would have been available to them before going to school.

Therefore, with the housing crisis now estimated to be over within the next year or two many people will eventually be getting back to work. With new home sales comes new home construction and that brings jobs. Many who were out of work in the past will soon be able to return to work. If they were once in the construction industry, they may now have a chance to return to work as jobs in that industry will soon be on the rise. There will be many construction engineering jobs available to those who have the knowledge and training. Many people over the last couple of years have sought to gain that education and are now ready to put it to work.

How to Become a Successful Fashion Designer

If you are like me you live and breathe fashion. You are constantly inspired with so many new designs racing through your mind, so many you can’t seem to get them all down quick enough at the pace they arrive. You constantly dream of the day your fashions will be on the fashion runway with the lights beaming brightly overhead, the cameras flashing everywhere and the audience being completely mesmerized by your incredible designs. You can’t stop thinking of the day you will open a magazine or watch the Oscars and see a famous celebrity in one of your breathtaking designs. Your book shelf is stocked with fashion books and magazines, and you absolutely can’t resist visiting textile stores to view all the latest fabrics, decorative beads, rhinestones and trims.

It’s this ever present dream of being a successful fashion designer that has you work day and night on your designs in most cases for many years without pay and working a job to pay the pills which is brutal torture, when all you can think about is living and working in fashion.

Famous fashion designers come from all walks of life there is no one system to follow that will have you become the next famous fashion designer. Some have graduated from elite fashion schools and some have never attended fashion school. Some have undertaken a fashion internship with a fashion house and others have made their own designs in their basement. The only elements all these fashion designers have in common is they had an intense passion for fashion, were able to design fashions highly sought after and connected with someone who gave them the opportunity to break into the fashion industry. It is essential in becoming a successful fashion designer you get you and your designs out there as much as possible, as how will anyone know about your fashions if they can’t see them?

In getting your fashions out there here are a few things you can do:

1. We are not usually good at everything some of us are great at designing clothes but lack the sewing and pattern making skills. It is here you can partner with someone who shares your passion for fashion and has the skills you lack. It is in the bringing together of different skills you can create a real product that can be showcased.

2. In having a fashion line of 14 outfits you can apply to your local fashion week. In the USA: New York, Los Angeles and San Francisco all have fashion weeks. These fashion weeks attract many editors, journalists and local socialites who will see your fashions and potentially give you the exposure you need to get known.

3. Many city night clubs hold fashion shows, find out what night clubs hold fashion shows and contact them as to how you can be apart of an up and coming show.

4. Locate fashion boutiques that cater to the fashions you design, first make a trip to the stores to look around, if you can see your clothes fitting in well with the store, find out who the owner is and ask if they would be willing to have some of your fashions offered for sale in their store. You will be amazed at how many store owners are willing to work with you. I walked around San Francisco in the Nob Hill district and had my fashions placed after visiting and discussing my product with four boutiques. In having your fashions displayed you will receive valuable insights as to whether or not your designs are in demand and if you need to change your designs to increase sales. It will also give you free exposure to the public. When your fashions do sell you can present this to investors who are more than willing to invest in your line, when you prove the existence of a strong demand for your fashions.