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What is Net Worth and How can you Improve Yours

We have all heard the term ‘net worth’ thrown around in many different instances. Usually, we encounter discussions of net worth when we are discussing the worth of celebrities or trying to understand news articles that constantly tell us how much money Billionaires are worth. However, if you were to ask your average person what net worth really is, they may not be able to explain it. There is no wonder why, as the net worth isn’t necessarily talked about in education or even brought up to people who make an average salary. Some people think they may know what net worth is, and if you are one of these people you may be surprised to learn that you’re not getting the full picture of what net worth is.

 

Common misconceptions

Many people believe that net worth is determined purely by the amount of money that someone has in their account. This is in fact a very common misconception and working out your net worth is a little more complicated than that.

 

What is net worth?

To put it plainly, your net worth is essentially the total value of all of your assets, minus any liabilities that you may have.  This includes the worth of any property that you may have, such as your home or a business that you may own. You add this total to whatever amount that you have in your bank account.

However, simply adding together all of your equity does not equate to your net worth and is not an accurate representation of all that you own. It is fair to assume that you have some sort of financial liabilities in your life, such as a mortgage or a car loan. These can not be forgotten when you are trying to work out your net worth, so you need to deduct your outgoing to get an accurate representation of what you are really worth. If that is confusing to you, then an easy way to work it out would be figuring out how much money you would have in your bank account if you sold all of your possessions and took away any outgoing costs that you have.

 

Positive and negative net worth

Though you may not have heard of it before, as well as having a positive net worth, you can also have a negative net worth. This happens when your liabilities outweigh the value of your assets and can often appear when you have a lot of your property bought via finance.  Though a negative net worth may seem scary, it is actually an extremely common occurrence. This is especially the case if you are a student or you have just left college and you are still paying off your student debts. Usually, when people first leave education or become a member of the working world, they have a negative net worth. This is because at that point people usually have more debt than property, but this can be changed within a number of years.

 

Is it important to know your net worth?

More likely than not, you won’t really ever need to know what your net worth is. However, in a time where we have a lot of outgoing and incoming costs, it can be difficult to keep track of how much money we really have. After all, with modern bills such as phone bills and continuous subscriptions, it can all add up without you knowing. When this happens, we can be led to believe that we have more money than we really have and so it is best to know our true worth so that we can comfortably have control of our finances.

 

Different types of net worth

As there are vast differences in the wealth system, it is understandable that there are different ways to measure net worth. Aside from the basics of positive and negative net worth, there is also ultra-high and high net worth. But you may be wondering, what’s the difference between ultra high net worth and high net worth?

As you can probably tell by the name, there is quite a big difference between those with a high net worth and those with an ultra-high net worth. People with high net worth have between one million dollars and ten million dollars, which is a substantial amount of equity. However, people who are considered as ultra net worth usually have over ten million dollars.

 

How can you improve your net worth?

The best way to improve your net worth is by getting rid of any loans or financial obligations that you have, once you have completely eliminated the costs that you have then you will start to gain a positive net worth. There is no point in trying to increase the property you own if you still owe money to others.

The 6 Fashion Brands Producing the Hottest Accesories

It can feel pointless at the moment to put effort into your accessories when they’re a few people to show them off to. However, as with all aspects of our dress, it is important to remember that you are dressing for yourself not other people. Wearing a bright pink bow or adorning our fingers with rings in the shapes of skulls might not have passed in your work environment but you can get away with them at home. In fact, being at home means that if we want to wear our dinosaur hat all day long then we can do so without fear of judgment. So, I implore you to spend this time experimenting with your weird and wonderful accessories in the freedom of your own home. To help I have compiled a list of six of the current hottest accessories brands.

 

Accessorize

It is no surprise that Accessorize made this list, it is named after all for its range of accessories. This high-street staple produces bags, hair accessories, and jewelry that are on trend at affordable prices. Their sister brand Monsoon focuses on fashionable clothing, so at sites where their shops are combined, you can find accessories that perfectly match your clothes allowing you to buy your entire outfit in one go. Their pieces appeal to those of any age, with some items specifically targeted for older or younger customers. So, no matter your age, you are sure to find the hottest accessories for your generation available.

 

Gucci

No matter the year or season, Gucci will always be on-trend. The brand was created by Guccio Gucci and is based in the city of Florence in Italy. Whilst they do produce clothing, their main focus is on accessories. If you can afford their high prices, then their world-famous handbags or golden belts are must-haves. Their pieces are iconic yet timeless so can be well worth their high price tags. Their recent collaboration with North Face has ensured that not only are their items durable they are also practical.

 

Blackshore

Blackshore is a British coastal clothing company that offers a range of handmade designer bags, the most famous of which being their canvas duffle bags. They are made in the local style of Norfolk, using the same type of canvas found in boat covers which makes them waterproof. Their unique style mixed with sea proof practicality helped to win their place on the Make It British’s list of top 30 British made bags. So, if you would prefer to support more locally independent companies instead of worldwide brands then why not spend your money on a well-crafted handmade item from Blackshore instead.

 

Audemars Piguet

Accessorising isn’t just for women. There are plenty of brands dedicated to accessories that cater to men as well. Audemars Piguet is a high-quality fashion brand that specializes in watches ad clocks. The company was founded nearly one-hundred-and-fifty years ago in Switzerland, so they have had plenty of time to perfect their craft. Their quality watches have become a must-have for any professional gentleman.

 

EMP

As stated earlier, we can use our current time at home to experiment and explore accessories that might have gotten us strange looks if we were to wear them in public. EMP is a website that has merchandise from various brands from Disney to My Chemical Romance. They have many fandoms to choose your accessories from including Marvel and Star Wars, and they are always up to date with the hottest TV shows and bands. They also do unlicenced items that cater to a more gothic or grunge look if that is more your style.

 

Claire’s

They might not appear to be the hottest accessories to older audiences, but when it comes to popular accessories for children and teens, Claire’s always has it covered. Whether the latest trend amongst tweens is to wear massive rainbows in their hair or earrings in the shapes of fuzzy pompoms, Claire’s will have it stocked. If you have children in your family and you are unsure of what to buy them, then you can be assured that anything you buy for them from Claire’s will be on-trend, however garishly so.

Lockdown Fashion: How the UK Fashion Scene Changed this Year

There has been a lot of changes to how things are done this year. From the way we work to the way we shop, nothing is the same as how it used to be. One of the biggest aspects of our lives that have changed is the fashion that we wear. That is completely understandable as we haven’t exactly had the chance to throw on our best clothes and hit the streets. Instead, we have been subjected to what has been called ‘Lockdown Fashion’, which is a lot different from the clothes that we used to know and love. Here is what lockdown fashion is and how we have chosen comfort over style in lockdown.

 

Sweats

A lot of people think that jeans will be completely obsolete after lockdown comes to an end. That is because we have all ditched our skinny jeans in favor of leggings and joggers. We are spending most of our time these days in bed or on the sofa admiring the four walls in our house. So when we are lying in bed looking for more unneeded house decor at internaldoorsuk, we don’t want to be wearing jeans. How can we ever return to discomfort after this? We can’t. Not only because we don’t want to, but because our lockdown weight gain won’t allow it.

 

Fluffy Socks

Another item of clothing that we have all added to our wardrobe is a vast collection of fluffy socks. Again, if we have nowhere to go, why would we choose to put on thin ankle socks when we can stay in fluffy bed socks that keep our feet nice and warm. Again, comfort has been the main priority during the lockdown, quite literally from our heads down to our feet.

 

Masks

Though we have been asked to stay at home for the majority of our time, there are still times where we have had to venture out into the apocalyptic wasteland. When we head out, we have also been asked to wear masks. What started off as everyone wearing blue throw away masks has evolved into what can be considered a fashion statement. Masks now have all sorts of patterns on them. People have also figured out how to make their own, so they really are reflections of everyone’s personalities.

 

Hoodies

Though hoodies have always been a big part of everyday fashion, they really have made a comeback. If you look at the main page of any online fashion retailer, the first thing that you are bound to see is a set of comfortable hoodies. This has something to do with the weather, but also because people aren’t leaving their homes and so have no reason to get dressed up. Plus, what is more, comfortable than a hoodie? Nothing, nothing is more comfortable than a hoodie. You may have noticed the increase in the popularity of a brand called Oodies. These are literally giant hoodies/blankets that are perfect for lounging about the house in. You are bound to know someone who owns one and it is no surprise why.

 

Fewer jackets

Something that happened due to lockdown that left us all in a state of shock once winter rolled around was the lack of people wearing jackets. This was because we weren’t going out every day and so didn’t really pay attention to the cold. Online fashion also fell out of the loop with seasonal clothing, so it became a lot harder to find weather-appropriate clothing. This meant that the high street was flooded with people in search of thick coats and gloves.

London Fashion Week: The Complete Guide to Taking Part

Preparation

The lead up to fashion week can be a very stressful time for someone who is set to be working on this huge event, it is important that you ensure you are both physically and mentally prepared for the exhaustion that comes with working London Fashion Week. A great way to prepare you for the big day would be to take time to work on your fitness, a personal trainer from London can really help you to put together an exercise regime that will help with relaxing your mind and body before you have to start working. It is vital that you are working to the very best

of your ability during fashion week so that you can finish the week knowing that you put out your best work for the world to see.

 

Cleaning Your Kit

Whether you are working on putting together garments or hair and makeup you will more than likely require a kit of some kind that is put together well and organized. Organization really is key when it comes to fashion week as you just don’t have the time to be frantically looking around for the things you need, as a professional within this industry you should be carrying an organized kit anyway in order to portray yourself as a professional. If you have not already I would recommend that you compile a list of everything that you are going to need for the week, but all of the items in categories of which items are going to be used together, and organize them accordingly. It goes without saying that for any of you that are makeup artists it is important that all of the pieces of your kit are cleaned and sanitized as you should be doing with your normal clients anyway.

 

Don’t Stop Helping Out

When it comes to working on the actual event you will quickly learn how there is no time for anyone to be standing around doing nothing, even if you have finished your assignment you should be reaching out to other stylists around you to find out if there is anything that you can be helping with. Fashion week is about making an impression on those around you, there are many high profile industry icons who will be in attendance so making sure that you are showing them how much of a team player you are is crucial. Although being able to work on such a prestigious event should be good enough, there is a real opportunity here to impress some influential figures and further your career so you will want to make sure you are working very hard to make a positive impression.

 

Making An Impression

If you want to make a good impression during your time at fashion week then it is vital that you are working to the best of your ability no matter what you are asked to do, you never know who is going to be watching so you should avoid doing anything that you shouldn’t be and displaying your professionalism and how you work. Fashion week is one of the most important events within the fashion industry and to stand a chance of being invited to work there again you need to show that you can deal with the stressful and fast-paced environment. You will be given specific tasks to carry out by your handler however if you are lucky enough to complete them early you should be going around and helping your peers, fashion week relies upon quick look changes so showing that you are trying to make the event run smoothly is the right thing to do.

The World of Fast Fashion: Is the Internet Harming the Fashion World?

Fast fashion is a symptom of globalization and capitalism.

 

Fast fashion is the phenomenon of producing clothes at exponential rates to keep up with high-fashion trends set by fashion companies. The ‘fast’ part of fast fashion comes from how the clothes are made, how fast the clothes cycle through fashion trends, and what happens to the clothes after they’ve been discarded – all in the name of fashion, of course.

Before fast fashion, there was seasonal fashion; fashion trends based on the change in weather and the need for different clothing styles. In stark contrast to this, fast fashion took over, taking the need to want in the fashion industry.

 

Fashion of need

According to ‘The Good Trade’ in ‘What Is Fashion, Anyway?’, before fashion was based on fluctuating trends, the fashion industry created its garments on the changes in season, which influenced the changes in fashion at the time. This fashion of need was the prevalent form of fashion, mostly because the industrial revolution hadn’t happened yet. Creators and consumers were bound by (in comparison to current times) rudimentary machinery and manual labor. Not only did this take money, but it also took time. Therefore, clothing was more expensive – consumers couldn’t afford to buy clothes as often as is normal now, nor was there time or money for the clothing industry to create the amount of clothing that cycles through shops in current times.

 

The clothing revolution

‘Bellatory’, in ‘Ready-to-Wear: A Short History of the Garment Industry’, explains once the industrial revolution enveloped the “western world”, clothes could be produced much faster and, therefore, at cheaper rates. Every aspect of the industry was supplemented with technology, making every stage of clothing creation faster.

It was the fashion industry that revolutionized this industry of need into one of want. With clothing now faster to produce, different styles and cuts were easier to make en masse, and the demand for fashion became a new front for the clothing industry. This was the beginning of fast fashion. With advertisements for new and different clothing now part of popular media, the notion of “fashion” became widespread.

‘Bellatory’ explains another large step for the clothing industry was the move from locally produced clothing to internationally produced clothes. Many clothing companies chose to move their factories to other countries, where worker’s pay was cheaper and the lack of regulation meant cheaper production. The clothing industry, operating on a low-expenditure high-production system, began to create clothing at rapid rates, and with the ability to keep up with equally quick fashion trends. ‘Bellatory’ tells us how clothing quality became progressively worse with the new invention of plastic. Again, a cheap material to make, plastic is a huge part of the current clothing industry.

 

Fast fashion and pollution

‘The Good Trade’ tells us about fast fashion and the environment. With the decline in the quality of materials used in clothing, garments don’t last as long and are thrown away quicker. A lot of the clothes made by the clothing industry end up in landfills or garbage incineration – either way, this means pollution.

Despite landfill and incineration, many of the clothes thrown away (a symptom of fast fashion) end up in the ocean and, because of the low-quality materials they’re made with, cause pollution. These pollutants contaminate wildlife and their natural habitats, with the damage occurring irreversible; these pollutants will be in the environment forever. This also directly affects humans in the matter of the food-chain.

 

Fish caught from the sea have these pollutants in their bodies, and we consume those pollutants when we eat seafood. The long-term consequences of plastic pollutants are still unknown but have already been linked to higher rates of cancer.

 

Fashion and the internet

With the rise of the internet, the fast fashion industry’s reach grew even more. With stores placing themselves on the internet, creating an online presence, everyone with access to the internet had access to them and their entire catalog. Clothes shopping didn’t just happen on the high street anymore, people could now buy clothes online and have them delivered to their home. While this may seem normal to us, the internet and its connections were revolutionary to all businesses. just last week i got a great deal on my broadband from here but a few years ago you would have been hard-pressed to find anything as stable.

 

According to ‘The Good Trade’ and ‘Bellatory’, the high street fashion industry has a high turnover of styles and trends. This, of course, is driven by the internet. If fashion companies weren’t online, there would be less demand for new fashions and styles and therefore less turnover of garments. However, the opinion on whether the internet is harming the fashion world is a matter of opinion.

 

Is the internet harming the fashion world?

Those who partake in “high-fashion”, such as that of Paris Fashion Week, maybe of the opinion that the internet is harming fashion. With creators spending an entire year culminating new ideas and transforming them into new innovations for fashion, such creators may dislike the fast fashion of high street companies. The argument could be made that, with so many companies influencing “general” fashion, fashion overall is being polluted with trend fluctuations that aren’t itself fashion.

 

On the other hand, those high street companies whose business largely depends on online sales may disagree and argue “high-fashion” is inaccessible to those who shop at high street stores, and by following, trends are providing those shoppers with the fashion they can relate to.

 

So, what’s your opinion?

How Vaping Went From a Smoking Alternative to a Fashion Trend

Vaping. It is the trend that has swept over the planet in full force. No matter how people try to push back against it, people continually invest in their vapes. It seems like only yesterday vaping had just emerged, riddled with cautious voices crying out against it and people saying it would never catch on. But those voices are now being drowned out and the nay-sayers are quiet. Vaping is here and it is here to stay.

But how does vaping go from being a simple smokers alternative, designed to help people quit, to being one of the biggest industries on the planet. Alongside it also being one of the biggest fashion trends of the 21st  century. Today we are going to do a deep dive on vaping, examining its early years and looking at its eventual rise into fashion icon history.

Humble Origins

Vaping was born out of the ever raging battle against smoking addiction. Smoking is one of the biggest killers on the planet. With proven studies showing its clear links to a number of heart and lung diseases. And, of course, the correlation between smoking and cancer is undeniable.

And yet, despite millions dying from smoking-related illnesses every year, smoking remains legal. This is due to the big tobacco companies having enough money to lobby for laws to stay the way they are. But this battle is where vaping comes from.

Starting out as E-cigarettes designed to give a nicotine hit to the user to help them ween off of cigarettes. Here is something you may not know, the nicotine in cigarettes is addictive but it isn’t actually the worst part of smoking. It is all the dangerous chemicals inside the cigarettes, mixed with the act of inhaling smoke, that causes the most damage. Nicotine still has a number of mental effects that make it horribly dangerous.

So E-cigarettes were a cheaper, safer alternative to smoking. But the issue was this early tech was cumbersome, ugly, and unresponsive. So it went largely ignored for a long time. Until we finally got the first proper Vaporiser.

Vapes

Vaporizer technology was nothing new. Used in a lot of fields from the sciences to medicine and everything in between. But when Vape companies finally released the first batches of flavored vape juice, combined with nicotine, all bets were off. Early adopters flocked and began vaping everywhere they could, leading to a lot of memes and jokes about people who vape.

But eventually, the trend picked up. In relation to its impact on smoking, it did help a lot of people quit. Being able to slowly ween themselves down on their nicotine intake was a valuable tool. But for some people, it was a doubled edge sword. Their nicotine intake now doubled as they could vape inside and smoke outside.

And technology only improved. Soon people were making their own vape juices, exploring exotic flavors. People were getting custom vapes and vape accessories. People began vaping with delta 8 thc and various cbd oils as well. Vaping was seeping into a lot of cultural areas.

Fashion Trend

One day vaping finally hit America in a huge way. Juul pods started surfacing, mini vapes that could be easily concealed, and the lovely flavors associated with vaping made it very enticing for the younger crowd. And then came TikTok.

A wave of influencers would parade themselves around, flashing their vapes for the world to see. And their audience lapped it up and, wanting to be just like their idols, millions began vaping. Suddenly it wasn’t just smokers that were vaping. People were buying non-nicotine based vapes and simply vaping for the flavors. It had become an area all its own.

Soon many fashion icons, aside from the TikTokers, started vaping proudly in public too. Further pushing that vapes were now as much a fashion icon as they were a tool to combat smoking. With companies creating new and exotic flavors every year and the vaping community growing by the day, it seems vaping is here to stay. We have even seen vaping conventions popping up, where people go to compete in blowing smoke, discuss and trade and just be with other vape enthusiasts.

A Dangerous Trend

It would be negligent to look at all this and see it as just a positive. In fact, we would go as far as to say that this may be one of the more dangerous trends to appear lately.

Medically speaking there is little evidence that vaping non-nicotine vape liquid has any negative health effects. Some hospitals have claimed that odd-viscous liquid has been shown to form in the lungs because of it, but these claims are anomalous.

The big danger has come from the influx of young people now vaping. But you might be thinking, where is the danger if the juice is nicotine free.

Smoking addiction is more than just nicotine. It is the lifestyle attached to it. Any smoker will tell you the social aspect of it is what kept them smoking for so long. Vaping could be seen as a gateway to smoking. Or a way to easily get nicotine introduced into their lifestyle. Not to mention vaping is an addictive activity in and of itself. To have so many teenagers now addicted to this lifestyle is not encouraging at all.

But we might be worrying needlessly. What do you think about it all? A welcome fashion trend, or a dangerous sign of the times?

Fashion and Charity: The Big Name Brands Donating Millions to Medicare

When you think of fashion, I imagine you picture glamorous runways and even more glamorous exclusive parties. The fashion industry is a billion-dollar industry that shows no sign of slowing down. Every year we buy products from some of the big-name brands, which gives them the opportunity to invest in creating even more clothing options. Something that a lot of people do not know is that a lot of big-name fashion brands actually use their influence and monetary power to donate to a number of charities.

 

There isn’t a charitable cause that has not received funds from fashion brands. Usually, the brands will donate to organizations that link closely to the message of the brand, but they are not restricted in which brands they donate to. In recent years, one of the main categories of charity that has been donated by fashion brands is medicare charities. There has been a big increase in brands donating to medicare charities in the last few years for a number of reasons. First of all, the medical sector has been under a lot of pressure for some time now due to a decrease in funding and an increase in demand. This has only magnified through the introduction of Covid 19, which has seen a mass population of hospitals and a drain on medical resources.

 

These brands not only donate to these charities, they also host events with the goal of spreading medical education in mind. But which fashion brands are donating millions to medicare?

 

Alice and Olivia

Alice and Oliva is an online-based fashion brand, offering year-round comfortable clothing to its consumers. Though this brand is by no means the biggest on this list, their contribution to medicare has been astonishing.  Since the start of the Corona pandemic, Alice and Olivia have donated 10% of their profit to causes that are aiding the treatment of Corona sufferers. This is a large part of their profit margin, yet they have promised to continue to do so until a viable cure is found and distributed nationwide.  They have been donating to charities in need since April last year and since then there have been hundreds of reports from charities that they have worked with, thanking them for their generous donations.

 

Skims

Skims is Kim Kardashian’s own clothing line and, much like Alice and Oliva, the brand has been making big steps to help with the current pandemic. The brand has pledged 20% of all profits made from its products to be donated to underfunded hospitals and other smaller health organizations. Skims promises that even after the strain of the pandemic decreases, they will continue to donate profits as they feel that the health care sector, in general, is underfunded and in need of additional funds. They hope that their donations will encourage other brands to take some pressure off of the already strained health sector.

 

 

Tom Ford

Everyone has heard of Tom Ford and the vast amount of money that they have donated to charity is no secret. The brand has been giving back to its community for over a decade, sponsoring several causes and supporting various charities. Even before the start of the pandemic, Tom Ford was donating to dozens of charities that supported medicare. Not only does the brand donate to various charities, but they also host events to spread the importance of the medical sector and also promote new medical findings. Just last year they hosted an event that discussed the advantages in choosing microcannulas over traditional needles with the hope that more medical centers will use them as part of their practices, due to the substantial cost difference between the two.

 

Michael Kors

Michael Kors has been donating to varying medical charities for a number of years due to his own experiences with his mother’s deteriorating health. The brand has donated thousands of dollars to charities specializing in the treatment of diabetes and other long term health conditions. During Michael Kors runway shows, attendees are expected to donate to various charities that Kors represents and there are often raffles that give all the proceeds to these charities.


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Here at venuszine.com, we move with fashion. With our aim of creating a strong online fashion community full of fashion enthusiasts, we are here with the best and most relevant content for our readers. Learn all about the positive and negative aspects of different products and apparel that are launched globally through us.