Economic Recession Blues – Hospitals Aren't an Exception

July 3, 2017

In its most recent update, the International Monetary Fund (IMF) announced that world growth is forecast to fall to its lowest level since World War II. And with the US being one of the worst hit, the hospital business, an integral part of the medical marketplace, and often regarded as recession proof is beginning to feel the heat.

Despite the fact that hospitals aren’t hit the way the way the automotive sector or the retail has been, and that people will continue to fall sick irrespective of the economy, it seems that the number of people seeking medical care and the profitability of hospitals don’t walk hand-in-hand.

Growth stunted & patients decreasing

A recent report by the American Hospital Association (AHA) finds that the sputtering economy has already led to 45% of hospitals to postpone forthcoming capital projects, with about 13% being forced to completely stall any expansion projects already underway. The AHA report included 639 hospitals in the study.

Further, experts believe that even though people continue to fall sick they’re postponing, most treatments if not all, which can be classified as elective. The credit for the prevailing scenario goes to all the layoffs and the slowing economy. As per the Bureau of Labor Statistics the month of December saw some of the worst layoff figures, as there were 2,275 mass layoff actions, involving 226,117 workers.

What seems worse is that aside from foregoing elective treatments, patients seem to be avoiding essential drugs, with many actually abusing prescription drugs, such as narcotic painkillers , sedatives and tranquilizers and stimulants.

As a consequence, hospitals are reeling under delayed hospital equipment and supply purchases, declining patient visits, reduced staff with no fresh hiring, unpaid medical bills, in addition to ceasing any construction projects. The AHA survey, released in November last year found that patient visits were static or had decreased during the third quarter of 2008, and the cases of unpaid medical bills for hospitals registered a hike of 8%.

The government’s role in uplifting the spirit of hospitals is being thought to be instrumental as Medicare and Medicaid account for about half of the hospital business industry.

Three Reasons to Hire a Car on Your Holidays

June 20, 2017

If you are planning to arrange transportation in Portugal, then you will find many options for you. However, the best transportation medium is to have car hire in Portugal. Of course, you can get other public and private transport option, but in most of the situation you will find that you are doing the best deal by going for car hire in Portugal. So, let’s see the three most common reasons why you should go for car rental in Portugal.

  • You will get best deals in terms of cost: Car rental is better if you have a travel plan spanning over different spots of city. For example, you are a tourist or have come for visiting places like coast lines at Algarve or different spots in Lisbon or Faro; then a car hire in Portugal make sense. Instead of taking different vehicles from one spot to another, a car rental for the required stretch of distance or time will give you economical advantage. Some times car hire companies will have different discounts or package for different tourist spots, too. This may depend on the seasons, when the passengers going for car rental in Portugal may be less. So, watch out for these discounts and it will prove to be a best deal for you. In case, you are a local there also, a car hire in Portugal will offer a relatively economic option for you, especially in case you are looking out for convenience too.
  • It provides a real comfort: Car rental is always very comfortable as compared to other public and private transport. The same way car hire in Portugal will take care about your comfort, while traveling. It is spacious and you need not worry about luggage too. It sees about your own comfort, all because of the reason that it has been hired personally for you. This makes a very economical comfortable option for you.
  • Takes care about your urgency, time schedule, etc: One of the reasons why people prefer for car hire in Portugal and elsewhere also is because of convenience with regard to your time schedule and plan. For example, while traveling you needs to stop over somewhere for shopping for a bit more time, you are free to do that without worrying for you being getting delayed. In case, you are planning to go for airport quickly, you can easily do so by taking an alternative way, if the main road has some traffic jam. In case of Portugal, you will always like to do that seeing all the scenic spots you will find at Algarve beach or stunning places at Faro.

Internet Marketing

July 17, 2017

According to a study conducted by Nielsen/NetRatings, a premier service of The Nielsen Company, there are 450 million internet users in 21 countries, and out of them 250 million people can be termed as active users that is these users spend on an average more than 10 hours a month on the internet. The study further reveals that one third of these active users regularly use the internet to make purchases. Thus, for an astute entrepreneur, all these 250 million people are potential customers. Now, the big question is how to convert these prospective customers into permanent customers. The answer is simple ‘internet marketing’.

What is Internet Marketing?

Also referred to as online marketing, is all about using the power of internet for marketing. A component of e-commerce, it amalgamates the technical and creative aspects of the internet, and uses methods as email marketing, viral marketing, display advertising, search-engine marketing, affiliate marketing and interactive advertising to pin down the potential customers.

Business Models

Several business models are associated with internet marketing. However, the two main ones are business-to-consumer (B2C) and business-to-business (B2B). In the former case, the products are sold directly to the end customers, while in the latter case the companies do business with each other. A third lesser-known business model associated with internet marketing is peer-to-peer (P2P). Here the individuals barter commodities between themselves.

Formats

In addition to business models, internet marketing is also related to some formats. For instance, name-your-price, where the customers have the privilege to choose their price range and then buy the items that fall in that range. Another format where it finds its place is online auction. Here the buyers place a bid on the enlisted items. Find-the-best-price is yet another format that can be associated with internet marketing. In this case the buyer can search for the website that sells a particular item at the lowest price.

Advantages

From the perspective of an entrepreneur, marketing on the internet is less expensive as compared to other media like television, radio or print media. Secondly, the entrepreneur can easily expand into the local, national and international market. Furthermore, there is no need to spend valuable resources on the sales force. Lastly, the entrepreneur can easily track his or her success and thereafter modify it according to their needs. In other words, internet marketing inculcates a sense of accountability in the advertiser, which in its turn increases the return on investment.

Now from the customer’s point of view, it provides detailed information about the product. The availability of requisite information making decision-making process a lot easier for the customer.

Disadvantages

On the downside, it is quite intricate for those entrepreneurs who are not well-accustomed with the working of the internet. Here written words are more important than spoken words. The design and content of the website play a massive role. The entrepreneur may lose his customers if the website is not properly designed or if the customer struggles to download the information due to the complexity of the web page. At times, slow internet connections also make entrepreneurs to lose their money. Moreover, inadequate development of electronic payment methods also mars the effectiveness of internet marketing campaigns.

Most customers who avoid buying from the internet do so because firstly they cannot touch, smell or taste the product before buying, and secondly, they face problems while returning the product that they don’t like. These two factors also ruin the impact to a great extent.

Security lapse is another snag associated with internet marketing. Recently, some companies involved in online business have been caught selling customer information. These incidents prompted many customers to stay away from online companies. Customers are still hesitant in spite of assurances and installation of foolproof methods.

Conclusion

Despite the drawbacks, internet marketing is garnering huge profits for several industries particularly banking and music industries. Flea markets have virtually perished. Unique items, which were available only in the flea markets once upon a time, can be found on any online auction sites.

In fact, traditional marketing media as television, newsprint, etc. are also losing money due to the soaring popularity of online marketing. According to a report, in the year 2006, US companies spent $17 billion on online campaigns. If we try to confiscate the drawbacks, internet marketing can prove to be a potent tool to convert prospective customers into permanent customers and to engender endless streams of profit.

Electronic Cigarettes(cigarette electronique) For You?

July 13, 2017

Cigarette And allows you to relax without risk to eHealth(ehealth).
Perhaps you have heard in connection with the electronic cigarettes(cigarrillos electronicos), yet? Electronic Cigarette(elektronines cigaretes) smoke contains numerous awards over the standard E-cigarette(sigaretta elettronica). We should start by revealing exactly what smoking is really ae – an electronic device usually looks like a cigarette(sigarette elettroniche) in the former, which will help you inhale nicotine through the smoke of the water. These devices are usually smoke-free and do not require lighting, which means you can sit almost anywhere you want. These days, you can even relax at the bar, at work, university and perhaps on the plane!
Seeing that you have discovered, you will discover some ways, and available electronic cigarette brands. It is this cigar, electronic cigarette(elektroniske cigaretter) small in some cases, a type of potential customers to choose from. What type you choose your individual technique is based due to cigarettes. However, the designs are different, most electronic cigarettes(elektroniskas cigaretes) work similarly. Many people include a cartridge, spray and more power to help this work to smoke the electronic cigarette (cigarro electronico). This cartridge will probably include a mixture of fruit juice nicotine, with an atomizer. This spray is likely to heat the juice with a cartridge, creating a kind of vapor, smoke inhaled when smoking. Countless probably be able to take into account other immediate benefits.

No need to be unsuitable for electronic smoking. Many people are not all the toxins, you can actually smoke everywhere and are also much cheaper than regular cigarettes(cigarrillo electronico). People also do not need to stress perfumed vapors in addition to those destroyed by the clothes, the house or perhaps the inner surface of the vehicle. Why do we encounter in conventional cigarettes(cigarrillos electronicos) can certainly be a number of cost-effectiveness, especially if people like each masked. Including prices. Right now, people really can certainly take pleasure in the pleasure associated with cigarette (cigarro), some of the extended free of side effects. If you’re the only addition to the time to find someone, people who smoke, and you should not expect to be fond of smoking. This collection of benefits goes on, and is likely to maintain a certain number of cars.

An electronic cigarette(sigaretta elettronica) contains a taste of tobacco, but none of the harmful substances found in regular cigarettes(sigarette elettroniche) give smokers cravings to be satisfied without inhaling the toxins, even dangerous. Is it all smoke and mirrors? Or maybe this article will be really the Savior?
A battery, an atomiser and a renewable nicotine chamber allows the smoker to hold and smoke the electronic cigarette as they would any other cigarette(cigarros electronicos), even creating a “smoke” as the steam and glow in the end while drawn. The room of nicotine is very useful as cartridges are available in different strengths, allowing the user to reduce the amount of nicotine intake up if you want, you can stop completely.

People might think of trying to e-cigarette (e-cigarette)for the first time, or maybe you have a pair. In both cases, you could save money by finding the right e-smoking site. I ended up saving about $ 40, when the main start-up kit to be paid in addition to the network Once you begin to invest in electronic smoking accessories are currently out there, just like the refills also eLiquid.

Perfect Beaches for Holiday Rentals in Murcia

July 15, 2017

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.

Telemarketing Principals of Commercial Real Estate Today

July 18, 2017

The process of telemarketing does not work well in commercial real estate if you follow the typical model of ‘pitch and process’. The people that you call do not like to be subjected to a 1 minute sales pitch and questioning process over the telephone. You have to change the rules and develop some real systems to make cold calling or telemarketing much more effective for you. In one word you have to ‘connect’.

Firstly, and before I go further into this subject I would like to say that all commercial salespeople and agents should be making their own prospecting calls wherever possible. They are the best people to connect with their market because they understand what to say in a relevant way when hard questions are created through the telephone conversation.

When it comes to commercial property sales and leasing, there are really only two targets out of making cold call connections and telemarketing. They are:

1. You want to know if the person you are calling has a need or interest in commercial property sales or leasing or property management.

2. You should seek to create a face to face meeting where the person you call qualifies from the previous point, so that you can take matters further.

When you look at these two factors simply, you can see that you should not be meeting with people who have no genuine interest. Your prospecting calls should therefore be based around a conversation or connection and not a sales pitch or presentation.

The only thing that you are selling in the call contact process is an appointment, and you only do that when you know that the person really does have a need. Protect your time and only meet with the right people that qualify as ‘active’ or ‘interested’ in commercial property.

So the telemarketing or cold call process centres on questions and conversation. Through the conversation you can come to understand if the prospect really does fall within your criteria for a prospective client or prospect. On that basis you can then arrange a meeting as appropriate.

Here are some rules that should be merged into your prospecting scripts:

  1. The people that you talk to want to be involved in the conversation. On that basis you need to ask sensible and realistic questions related to the property industry. Be sensitive to the fact that the person you call will not open up completely with you until you have established a degree of trust in the conversation. It is important that they feel relaxed and not threatened by a pushy salesperson. Professional salespeople create good connections over the telephone.
  2. Approach the first cold call or prospect call on the basis of a simple survey questioning process. The call should be about them and not about you. This is where the right questions will help you establish rapport. The reason for your call is to identify their potential property needs. Do not push for a meeting until you understand that they have a genuine need or an interest.
  3. Be prepared to introduce yourself and your business. Be honest through the conversation but allow the prospect to talk at least 50% of the time. It is of great benefit to have a simple script to get the conversation going. Beyond that starting point, Uncategorized conversation should flow and the script should be irrelevant. Your target is to get conversation moving inside of 20 seconds. A good conversation leads to information and potentially a productive meeting.
  4. If the person is unwilling to talk to you or be open and frank in the discussions, then thank them for the ability to speak with them today and then move on respectfully and politely. There are plenty of people to talk to and on that basis you need to move to the next person or the next opportunity.

There is a real skill to the prospecting and calling process. If you diligently adopt the discipline behind the task, you will find that progress will be made within about two or three weeks of making calls.

Legal Requirements For Internet Marketing

June 16, 2017

What is required to do business on-line? How complex is it to start and run an Internet business opportunity?

Unfortunately, the answer is that it depends. An on-line retail business can have complicated legal requirements associated with it like licensing, sales tax collection and reporting regulations.

On the other hand an Internet marketing business can be a very simple and direct path to follow to own a web based entrepreneurial activity.

For the purposes of this article, let’s examine the world of affiliate marketing since it can produce an income stream with minimal up front costs and very little regulation.

Representing the products of others requires no stock, no shipping, no sales tax issues and no reporting requirements.

Products are offered and sold through independent entities like Click Bank where any affiliate marketer can register, pick products to market and collect commissions.

Under such circumstances, the producer is responsible for product shipping and the Click Bank like operation processes the sale for the customer as well as sends out the commission to the marketer along with the profit to the producer.

The Click Banks keep all of the necessary records of the transactions, issue the checks or wires and provide the year end reporting for tax purposes. In other words, much of the busy work required of any small business person is supplied basically free of charge to the marketer. Hard to beat that kind of deal.

At the end of the day, there is not much required of the business person who operates as the affiliate marketer. However, there is some wisdom in doing the following.

To be in business, be a business. Form an entity of some type. You can choose to be a Sole Proprietor or even a Corporation. The details of such choices are not to be addressed here but it is easy enough to research the pros and cons of each as well as get advice from professionals like a CPA.

Entity formation has a lot to do with paying state and federal income taxes which, as we all know, are legally unavoidable. When registering with the Click Bank type operations a marketer is required to supply either their social security number or the tax ID number of their company. There is no escaping the long arm of the tax man since income will be reported for you.

Beyond that there is little else the law requires other than the possibility of a business license that your local government might want. That can easily be checked out by a call to your local Chamber of Commerce.

Thus affiliate marketing can get you into business for very little up front expense and can begin generating income almost immediately. More significantly, as you become a better marketer and expand the number of products you represent, that income stream can grow exponentially.

Because the trend in business start ups is increasingly toward doing business on-line, it would seem that the smart and easy way to launch would be with affiliate marketing. It represents the classic low risk, high reward business model that most every business person seeks.

Beyond that, it is the kind of business that can be started in one’s spare time so that current income sources can remain undisturbed, at least in the short run. Should the affiliate marketing business grow to the point of providing a sustainable income, it can than become a full time focus.

With little legal red tape to deal with and not much investment required, affiliate marketing provides the first and arguably the most important step into the world of doing business on the Internet. The link below is provided to showcase one such first step opportunity. You are invited to take the time to review the world of being an affiliate marketer.

After all, it might just be a glimpse into the future of your own on-line business.

Search Results

July 8, 2017

#EANF#

There Are Many Reasons Car Rentals Offer Cheap Rental Cars and You Should Be Aware of Such Reasons

June 27, 2017

The most obvious reason why you can get a cheap car rental is when the renting outfit is giving vacation discounts on certain months or seasons of the year. This is a matter of routine that they have to do to remain competitive in their market. Although vacation times are the times when people love to go on holiday trips, they will usually rent from companies with discounted rates.

Other companies apply discounts to their prices for certain special and tourist-attractive destinations. These discounts are seasonal such as if you were to attend the Mardi Gras in New Orleans. These types of discounts you have to avail of early on, perhaps a few weeks before the festivities start. The reason is that there will most often be a last-minute rush to the site just before the fun begins and at that time and usually all promos and packages are suspended. This is perhaps due to the fact that the rental companies may run out of their own vehicles to rent out and will have to borrow from those who have any available and leave off on giving discounts for the borrowed cars.

Alternatively, other discounts are given for the sake of boosting their rentals during the slower months of the year or for destinations that are not very popular.

What is obvious is that you shouldn’t have a difficult time getting a cheap rental car for your outing because car rentals are dying to give you discounts just to keep the money rolling in. They even furnish large companies with discount cards which can be distributed to the employees. So you better check with management, if you are working in a big establishment, about cheap rental car discounts from the better known rental companies.

Because the condition of the car you are renting is determined to a great degree by the age of the car itself, a regular renter should know how to determine the age of the car by looking at its plate number. The formula for doing this is available on the internet and it may be different from one country to another and even from one state to the next. So when you research for ‘how to tell the car’s age from the number’ you should select the rules for the locality you are in.

You should be aware that there are also cheap rental car scams. In this situation you may be getting a car which is poorly conditioned or just plain too old to be road-worthy. Besides the car’s age, a look at the mileage indicator of the car will tell you how much use the motor of that car has seen. Along the same line of good car condition, you should be aware that although you can get cheap rental cars at smaller rental outfits if you need to use it for a long time, there is a catch to this. Smaller outfits will not have that many personnel and if you were expecting them to provide back up for you during an emergency, you may get an unpleasant surprise when you find you have to dish out your own money to have the rented car repaired.

Want a Sweet Deal? Favorite Websites For Fashion Bargains

June 15, 2017

A lot of people ask me where I get the clothes I’m wearing and they’re always surprised when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

How do you find your own sweet deals and which online shopping destinations will give you the most bang for your buck?

Here are a few of my favorite sites:

Forever 21 has incredible selection and style and the prices are outrageous, especially if you do a bit of digging. I’ve unearthed fabulous dresses for less than $20 and great costume jewelry pieces for around $5. The shipping from the site is painless and quick and they have easy return policies should something not fit.

Here are my tips for shopping online at Forever 21:

Visit the store before you shop the website so you know what fits you and what you’re looking for. Often, the actual clothing looks different in person than it does on their website, especially in the dress length area. Some “dresses” Forever 21 sells are more tunic-lengthed, meaning you’d have to wear them as shirts or with leggings in order to make them street-appropriate.

Don’t expect pristine quality. Forever 21 keeps their prices low by mass-producing huge quantities of clothing that aren’t meticulously made. Don’t expect your clothing to hold up for years-or sometimes weeks-on end.

Beware of dresses or shirts you need to zip. Forever 21 has fairly cheap zippers that often break.

If in doubt, go up a size. Their clothing runs tiny-truly tiny. If you have a wide rib-cage, like I do, you may need to go up two sizes if something is really fitted around that area.

Urban Outfitters is a true fashionista’s paradise. Chock full of interesting bohemian pieces, you can find some great clothing for less than $50. Often Urban also carries more expensive lines (upwards of $200), so make sure you don’t fall in love with something before checking the price.

Some things to buy from Urban:

Accessories are always a great bet. They have tons of belts, handbags, scarves, etc. Their shoe selection is also enviable. Check out their flats and sandals, especially now. They have lots of cute new things.

When cold weather is once again upon us, Urban carries a wide-range of outerwear which is all pretty affordable and cute, without being cutesy.

Urban always carries Converse All-Star sneakers in hard-to-find colors and patterns. Check the men’s shoe section for more.

Cutesygirl.com has shoes for unbelievable prices. Truly unbelievable. I tell people I got boots or heels for $12 and they don’t believe me until I show them the webpage.

The thing about Cutesygirl.com is that they mix some really awful, ugly shoes in with adorable and stylish ones. You’re going to have to be willing to put in some search time.

The quality is fairly good, about what you’d expect from Target or Payless shoes. Not great, but they’ll do. Some of the brands (like Steve Madden) that Cutesygirl.com has are obviously better quality than others. Just be choosy and you’ll be okay.

Watch for these styles from Cutesygirl.com:

Flats or pumps are always a good pick. Search by “Price- Low to High” to find the best deals. If you see something you like and they have your size, snatch it up quick. The cheaper shoes go fast, and they often run out of the most popular sizes quickly, leaving only 6′s to be had.

There are some great boot offerings from Cutesygirl.com, but once again, search carefully. Avoid stiletto, pointy-toed boots at all cost. You can get those almost anywhere now, but they really aren’t tremendously popular anyway. Don’t fall into the trap of buying something just because it’s cheap: there are lots of inexpensive shoes on Cutesygirl, but don’t sacrifice style just because something is $10.

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