HELLO.RU guest editor Anna Pletneva in her new column explains what it takes to look like a million dollars:
Tags: How to look like a million dollars, regardless of the budget
2012 film. Bill Gates is one of the richest people in the world, a computer tycoon, founder of Microsoft Corporation.
"THE WAY OF A MILLIONAIRE": HOW to become a financially independent person in 5 years? | Topic author: Betuel
From the age of 15, I am still interested in the question: HOW for an ordinary person without "seven spans in his forehead" to create a CAPITAL that works for you around the clock and brings "passive" income in a size that allows you to feel FREE or, as it is fashionable to say now, FINANCIALLY INDEPENDENT? And moreover, to do this not in 30-40 years, when this very "independence" will not be needed, because a large (and better) part of LIFE has already flown by! ... It is interesting that most of the famous successful people came to this very "independence" in different ways:
The bulk of the people I know got rich "exploiting" some original IDEA(your own or someone else's), creating on its basis from scratch (or almost from scratch), and subsequently multiplying your OWN BUSINESS a hundredfold. Although this path is thorny, most of those who want to get rich to this day choose it;
Someone has succeeded using the "leverage" effect in MLM, although after deeply studying this issue I can safely say that there are only a few truly financially independent people in this business, and as a rule, these are very extraordinary individuals, strong in spirit, possessing strong charisma and remarkable persistence, ... however, as in the first case;
Once I naively believed that there are people who became free (financially) only with the help of SPECULATIONS on the stock exchange (not to be confused with INVESTING!). Now I can safely say that there are no such people! Yes, some successful people were stock speculators at some stage. And the stock exchange is an excellent "auxiliary tool" for increasing capital! But a "pure speculator" cannot be financially independent by definition, since can turn into a bum at any moment ...
Another popular way is to work with REAL ESTATE (buying / selling and renting). Although my understanding of this issue is still much worse than in the previous ones, I made some obvious conclusions for myself: to get up from scratch ONLY on one property is a path that is not available to everyone. Single realtors manage to succeed in this business so that not only make a living, but organize a real estate agency, promote it, and overcome tough competition, as a result, build a well-functioning SYSTEM, a kind of "empire", which will become a PERMANENT source of passive income in any market conditions ... A very difficult path!
But investing in real estate, although it requires certain knowledge, acquaintances and initial capital, is a much more affordable and interesting option, as for me. And it is simply necessary to use it at a certain stage if you want to become a truly INDEPENDENT person.
This concludes the list of paths known to me that lead FROM ZERO to wealth and prosperity. Cheating, crime, marriage of convenience, winning in a casino or lottery, inheritance and so on, I do not consider, although they have the right to exist. VESTRADA, CINEMA or SPORT are also excluded from the list, since becoming a person who EARNS millions in this industry is far from being tough for everyone, but truly INDEPENDENT (i.e. having a lifetime source of PASSIVE INCOME from this activity) can, perhaps, be on the fingers recalculate. I also do not take into account the purchase of a FRANCHISE, because it requires serious capital investments and, nevertheless, does not give a 100% guarantee of success.
So, based on the experience of already successful people, as well as the recommendations of world-famous and respected business coaches, a "standard set" of recommendations emerges, following which leads to the desired result. Moreover, regardless of the chosen path.
1) regular SAVING of a certain part of income (minimum 10%). This is called "paying YOURSELF first and then spending the rest of the money." In the future, these savings are recommended to be divided into several parts and deal with them, for example, as advised by Robert Kiyosaki in this video tutorial: http://vkontakte.ru/video-3542305_68622325
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Oleg (Mitch) 2) BUDGET planning - the ability to competently manage your INCOME and EXPENDITURE. By starting to keep track of your finances and avoiding unnecessary, sometimes useless spending, you can save the very 10% absolutely painlessly, which you can then use to save and invest. A program for accounting personal finances (for example, AceMoney, Sanuel Family or any other) will be very useful in this.
3) Drawing up a PERSONAL FINANCIAL PLAN [LFP] and following it. Of course, it is better to entrust this matter to a professional financial consultant, however, following the above two recommendations and deciding how many years it is planned to "retire young and rich", it is quite possible to create a simple and effective [LFP] yourself. In this case, the formulas proposed by Bodo Schaefer in the book "The First Million in 7 Years" will come in handy (available in the club's AUDIO RECORDS here: http://vkontakte.ru/audio.php? Gid = 3542305):
Financial PROTECTION [ФЗ] = the sum of monthly expenses [Р] * 6 months. In fact, this is an UNCONTACTUAL CAPACITY, enough to live without a source of income for at least SIX YEAR! During this time, you can slowly solve the problems that have arisen, without worrying about tomorrow.
FINANCIAL SECURITY [FB] = THE AMOUNT OF ASSETS, bringing the total income in an amount that fully covers the monthly expenses [P] and inflation. Simply put, having SUCH amount you can live on interest indefinitely, without cutting yourself off in anything, even losing your main source of income. According to Schaefer: [FB] = [R] * 150. Why exactly 150? Because 8% per annum of [FB] net (after deducting inflation) will just amount to the amount of [R]. Accordingly, if the return on assets [FB] is 16% per annum net, then the amount [FB] = [R] * 75, etc.
Financial INDEPENDENCE [FN]. And this is the AMOUNT OF ASSETS, bringing PASSIVE income, which you only DREAM today. For some, this is 5 times more than today, for someone at 20, and for someone in 1000 - each has his own requests. It is calculated in the same way as the previous one, i.e. multiplying by 150 at 8% per annum net, etc.
a) let's say the amount of monthly expenses [R] is equal to an average of $ 2000. Then you can feel PROTECTED, having $ 12,000 in cash, reliably protected from the encroachments of relatives :)
b) in order not to work at all to live at the same level as now, it will take at least $ 300,000 ($ 2,000 * 150), provided that the annual income is 8% higher than the real inflation rate, or $ 150,000 with a "net" profitability 16 % per annum, etc.
c) The concept of "FINANCIAL INDEPENDENCE" for everyone has an individual meaning - how many people, so many opinions. However, in my opinion, the amount of income is not so important as its form - it should be exactly RESIDUAL (passive) income. This is a prerequisite!
You can take passive income = $ 10,000 per month as an initial benchmark. Not so much, but quite enough to indulge in the main "delights of life". Judge for yourself: with such an income, you can buy a new car in six months (not a Bentley, of course, but enough for a Volks, Honda or Toyota), while practically not cutting yourself off in food, entertainment and recreation. Buy NOT ON CREDIT, but for your own ... Yes, and expanding the scope of activities, increasing the profitability of your investments with such a monthly CASHFLOW is much easier ... In general, for a start, more than enough, IMHO.
It turns out that in order to feel FINANCIALLY INDEPENDENT (having $ 10 thousand of passive income per month), you need an amount of assets in the amount of at least $ 1.5 million, bringing in net at least 8% per annum. Here is such arithmetic! :)))))
The numbers are beautiful, one thing remains unclear - HOW to get them, and preferably faster, say, in 5 years (I took just such a reference point for myself)? ...
Oleg (Mitch) In addition to all of the above, one of the MANDATORY conditions of "early retirement" is INVESTING and REINVESTING a part of earned and deferred funds. You can invest in anything: in real estate, in a promising business, in securities and their derivatives, in precious metals and jewelry, in antiques and art, collection wines and cognacs, and a lot of other things.
As a person a little sophisticated in investing, I can say that the "shefer's" 8% per annum in net terms is more than real, even with very conservative investment. So assets worth $ 1.5 million will be enough with your head. For reinsurance, we will throw in another 100 thousand.
12% __________ 18% __________ 24% (per annum)
$ 1 - ______ 120 years ________ 80 years _________ 60 years
$ 10 - _____ 100 years ________ 67 years _________ 51 years
$ 100 - ____ 81 years _________ 54 years ________ 41 years
$ 1000 - ___ 62 years ________ 41 years _________ 31 years
Two important things can be seen from the table:
a) $ 1 can lead to the desired goal 2 years faster than $ 1000 if you invest it CORRECTLY!
b) how many times the "return" from investments increases, the time required to achieve the goal is reduced by the same amount!
But if you invest not a one-time, but invest a small amount monthly for the entire period, for example, 10-20% of your main income, the process will speed up a little:
12% _________ 18% __________ 24% (per annum)
$ 10 per month –_____ 62 years _______ 44 years ________ 33.5 years
$ 25 per month –_____ 54 years _______ 38, 5 years _______ 30 years
$ 50 per month –_____ 48.5 years ______ 35 years _________ 27 years
$ 100 per month –____ 43 years _______ 31 years _________ 24 years
This scheme can be taken as a basis for LONG-TERM INVESTMENT. Everyone will have their own numbers, but the PRINCIPLE does not change from this: just act according to your long-term PLAN and you will be provided with a dignified old age! But I want to live NOW, and not at 60 or 70 years old! How to speed up this process by 5 or 10 times? Two obvious ways emerge from the above calculations:
a) make your money work with greater "return";
b) increase the amount of one-time / monthly investments.
HOW to achieve this and WHAT is needed for this? I have been asking this question for a long time, I have tried a lot of things, and I continue to look for an answer to it even now, although I have already arrived at something and I am successfully applying it in practice ...
Oleg (Mitch) I will share a little my experience.
An effective way to make your CAPITAL bring more% is investment in the FOREX and STOCK markets. This is not the only way, and it may not be the best one, it's just that I understand this issue best. :))))) And I think that anyway, it is unreasonable to neglect this option.
From time immemorial, there are two types of participants on the stock exchange (apart from the "owners" themselves and their closest "entourage") trying to make money on fluctuations in stocks, commodities, and financial instruments - these are SPECULATORS and INVESTORS. The former are many times more than the latter, and they are the main driving force (and "shark food") in any markets. The latter include most of the world famous millionaires, multimillionaires, etc. But I personally do not know anything about the "purebred speculators" -millionaires. Although there are plenty of millionaires among investors who carry out speculative operations on the stock exchange (the same W. Buffett, for example) ...
In addition, there is one more important point: SPECULATORS (traders) - "plow", i.e. waste their time and nerves, and as soon as they stop plowing, income will dry up, and INVESTORS invest and increase their capital, spending almost no time and effort.
Conclusions, I suppose, do not need to be voiced ...
It is possible to talk about the intricacies of the exchange for a long time, the mass of books on this topic brought fame (and money) to their authors, thousands of sites feed on the concept of "earnings on the exchange". I will not delve into this quagmire, anyone interested, you can read this topic: http://vkontakte.ru/topic-3542305_5802435. One thing I say with full responsibility - you can and should make money on the stock exchange (and even on Forex)! The main thing is not to forget the golden rule: "DO NOT STORE EGGS IN ONE BASKET" - i.e. use a strictly defined PART of your capital for investing on the stock exchange!
With a reasonable approach with diversifying the "portfolio", investing in various exchange instruments in DIFFERENT proportions Somewhere by going to risky speculations, somewhere by adhering to a conservative investment strategy, it is quite possible to achieve an average return of about 4-5% per month.
Once I calculated that with such a profitability, you need to invest about $ 5,000 monthly in order to get the coveted $ 1.6 million in 5 years! :))) However, in practice, it is almost impossible to implement it, because different instruments at different periods bring different returns, and 5 years is a fairly short period to ensure this accuracy.
I want to note that it seems to a beginner that a speculator (trader) can make hundreds and thousands of% per annum, and an investor is "content" with scanty (in comparison with a speculator) interest. However, this is only a superficial vision. I used to think so too ... In fact, in the LONG-TERM perspective a trader loses much more than he earns, and time often "works" against him. At the same time, a competent investor in the long term is almost guaranteed to receive a small profit, regardless of whether the market rises or falls, because TIME works FOR IT.
In the CIS, mutual funds are becoming more and more popular. Anyone can invest in them, even remotely unaware of the financial and stock markets. However, I understand more and more why R. Kiyosaki speaks so unflattering about "collective investments". I agree with him that you need to LEARN investing, and not just mindlessly buy anything, although in the long term this may turn out to be a winning "strategy". Because an EXPERIENCED investor can earn hundreds and thousands of% on SPECULATIONS, while risking hundreds of times less than a "professional trader".
It is in this direction that I am moving, although not so long ago I realized that a "professional trader" is a dead-end path, it is much more useful to be a "PROFESSIONAL INVESTOR". What I wish for you too! :)
Write your thoughts and feedback on the topic raised, I will be happy to help or under
Konstantin (Clora) why does everyone think how to make money on the stock market by themselves ????
this requires at least a special education and 100% return. Combining with other work is simply unrealistic.
I did as recommended by Robert Kiyosaki (many recommend reading his books) and found myself two managers:
1. hedge fund with a yield of 16% per annum (in fact) !!!
2. a professional competent speculator in Russia with a yield of 7% to 15% per month (in fact) !!!
Minimal risks and at the same time I am completely free for work, leisure and business ...
Bauyrzhan (Chevi) The option with funds is passed, the one who knows the finlist or Kalinechenko will understand me. And this is not at all the minimum risk)))))
Oleg (Mitch) Yes, Barishpolts and Kalinichenko made a "rustle" in this field! :)))
As for special education and 100% return, these are fairy tales, just like the "minimal risks" when working with funds and managers ...
It is really difficult to "WORK" (that is, SPECIFY) on the stock exchange, it takes a lot of time, requires considerable experience and strong nerves. And as I wrote above, these actions have not led anyone directly to financial independence and will never lead! So after all, no one says that you need to POOL on the stock exchange, you need to INVEST ... For example, the most elementary strategy of LONG-TERM investment - "averaging by value" does not require any education at all: buy yourself once a month the same "instrument" as equal in shares at the current price and don't think about anything else! 5 minutes of time per month and a minimum of understanding! And it works! ...
As the same Kiyosaki says, the RISK is not in investing, but in the INVESTOR itself! ...
Therefore, the ideal option is competent capital management, DIVERSIFICATION, which includes cooperation with managers, and investing in funds, and "handwritten" investing using instruments such as options, and conservative investing, for example, in gold, collection wines or art objects. ... And you do not need to have a special education or seven spans in your forehead for this, but you just need to have INTEREST in this topic and the DESIRE to master and apply it.
Bauyrzhan (Chevi) Oleg
five points, it is clear that the person understands what he is talking about. I absolutely agree to just paint it broke.
Konstantin (Clora) Oleg krabinson Tavrichesky, Vitaly Archivarius Falesa thank you for your abstract answer without specific examples.
Apparently you are already millionaires and can afford more highly profitable and less risky projects.
Then please share with a poor man who lives on interest from investments, where to find investment projects with a yield of more than 50% per annum on real estate and 50% for 3 months in rubles. Be sure to include the contact address, phone number, e-mail and full name. Moreover, the size of the investment should not exceed 25 thousand dollars !!! And I diversify assets ...
Oleg (Mitch) what is abstract here? In my opinion, more than intelligible. Address, phone number, full name ... why?
Do you think that working with exchange instruments on your own is very risky, you need special education for this, and it takes 100% of your time? Then you are doing everything right - trust your money to someone else ... to someone who DOES NOT COUNT THIS! And pay% for it! Nobody argues, this is a great way out ... IN YOUR case ...
And it's great that in this case there is time for rest, business, etc. But read Kiyosaki again, especially these two books: Rich Dad's Guide to Investing and Retire Young and Rich. And also Robert Allen's "Multiple Sources of Income". What are they talking about???
Konstantin (Clora) I will definitely read it again and say ...
Iriska (Sakura) Guys, YOU ALL are already Deserving of Respect for looking for ways and finding them, and not relying on parents or the government))))))
Oleg (Mitch) easy. Only 99% of "simple hard workers" have the word INVESTMENT causing panic! :)))
Lev (Hikialani) When entering the stock market, remember that you have 3% out of 100 for success and 5% that you will stay at 0.
Oleg (Mitch) Maybe so ... Only now you have forgotten that when you go to work every day, where your owner has you in full, you have 0% of 0 these chances. And when you create your own business (it doesn't matter, private or network) your chances of not being left without your pants in a few years, and even more OVERCOMING you have a little more.
So the alternatives are not as colorful as many inexperienced people think.
In general, it all depends on your PERCEPTION of reality: success in everything is usually achieved by people who are ready to take risks for the sake of these few percent, ready to burn out 9 times out of 10, ultimately turning these defeats into one big victory, reasonably assessing the ratio of effort and final result and never stopping there.
And everything else is empty chatter of disappointed losers! ...
Ivan (Delbar) I have a question about working on the stock exchange .. Perhaps I will find the answer to it right here.
When we start working on the exchange, we open a personal account and the broker transfers our money to a special depository for safe keeping :) I began to consider this situation, for example, the market is constantly growing and all assets also increase in value. At this moment, all players (whose funds are in one depository) decide to sell assets and withdraw money (cash out). Question: How will the depositary give them the full amount? (after all, all assets are sold at a higher price and therefore all investors withdraw an amount that exceeds the initial one)
Oleg (Mitch) You must have misunderstood. Here everything happens like this:
You open an account with a depository. But not for storing MONEY, but for storing SECURITIES, which the broker acquires at your order! Your money is as usual - in the BANK, on the current account. When paying for purchased securities, you transfer money to the seller's account of securities + broker's commission. When selling - the reverse operation, i.e. The securities are debited from your account in the depository, and money is transferred to your bank account.
Thus, a DEPOSITORY is essentially a large safe for storing securities, charging a monthly fee for this service. Therefore, he should not give you any money. :)
And in your example, the difference in the value of assets will be paid by the BUYERS of these assets, provided that they consider it APPROPRIATE. This is the basis of the principle of operation of any exchange. For clarity, you can consider the situation on the Russian stock market:
in 1998-99, securities of Russian issuers cost a penny, of course, smart people bought up some part of these securities at THAT prices. Then the "recovery" of the economy began, the rise in oil prices and the rise in stock exchanges. Over these 9 years, many stocks have grown in value tens, and some HUNDREDS of times!
At the same time, securities were constantly bought and sold, passing from hand to hand. And each new buyer happily gave their CURRENT value for them, based on the postulate that "The market will always grow." But smart people (which are in the minority) understood that oil and stock prices are inflated, i.e. these are SPECULATIVE prices not supported by the real value of enterprises, equipment, etc.
Professionals exited the market at or shortly before it, selling their securities to profit-seeking fools at sky-high prices. And the most sophisticated PROS, at the peak "got into SHORT", ie sold securities that they did not have at all, knowing that in a month or two the markets would collapse! :) ...
And after a while, according to the plan, the media joined the game, which instantly sowed panic in the minds. Fools who collected "candy wrappers" a total of billions of dollars began to urgently throw them off at ANY price. But there are no buyers! So the market has collapsed, which has been growing for almost 10 years in just a couple of months!
As a result, brokers, depositories, a few speculators, and, of course, those who controlled this whole "game" from the very beginning, have warmed up. And the fools were left with their "candy wrappers" mourning the lost billions, someone probably shot himself in the head ...
Ivan (Delbar) mmm .. now it's clear :)
Perhaps in 1998 the crisis was organized in the same way ..
If so, after waiting for the bottom, we can safely be among those smart and informed and buy shares of campaigns whose assets are undervalued? !
Only how to determine that the bottom has come? ! I think it's too early to talk about it now.
Oleg (Mitch) And I think it's early. In any case, it is necessary to monitor the situation. And if we come in a month earlier or a month later - this is not so important - the market falls instantly, but climbs back years ...
Artur (Mirah) Gentlemen, I have a question. Probably very dumb, but I go crazy:
Let's say I have accumulated (created) liquid assets in different types(precious metals, stocks, real estate, antiques, etc.) in sufficient quantities.
HOW to get passive income from all this ??? (excluding renting out real estate)
How to withdraw funds for life from all this "trash" ???
"Imageology and Style", a cycle of 2 lessons. July master ...
In our classes, you will learn how to always look like a million dollars, no matter your budget! The duration of each lesson is 2 hours 30 ...
For a long time, the worries of the fair sex about their wardrobe boiled down to two mutually exclusive problems - "nothing to wear" and "nowhere to hang". And in times of crisis, a third problem was added - "for what shishi to buy this?"
Everyone dreams of dressing beautifully and fashionably, but branded products are prohibitively expensive. Some of them deny themselves everything, save money to meet the latest peep and put on "outfit" exclusively with branded labels. Others dress up at flea markets because they can't afford expensive boutique clothes. But here's the paradox - a poorly dressed employee will never get a raise. This is the opinion of the famous fashion expert Evelina Khromchenko, and one can agree with this. But how to break out of the vicious circle?
What do real millionaires look like? Differently. On the red carpets, world stars with their frenzied royalties flaunt in designer outfits, furs and diamonds. And in everyday life, ostentatious luxury is considered bad form for them. Going outside near their home, they prefer to remain inconspicuous, wearing shapeless cardigans and T-shirts, ballet flats, cloth bags and dark glasses that hide their faces from pesky paparazzi. And at the same time they look simple, but stylish and with a casual chic. It is known that shoes, a bag and glasses give real elegance to an image.
How to look expensive and well-groomed at no extra cost
Some ladies, having a certain amount, are in a hurry to buy as many things as possible. To change clothes every day and make an impression. But a more correct decision would be to buy one or two elegant and expensive items for this amount than a whole heap of cheap consumer goods. A high-quality purchase will become your favorite and will serve you for a long time until it decays into atoms. And it looks much better. Elegant boots made of genuine leather they cost several times more expensive than more democratic options, but raise their mistress in appearance an order of magnitude higher than those who walk in cheap shoes with peeled noses and worn out heels. And such boots are worn for several years, while cheap ones still have to be changed every year, which is ultimately more expensive.
There is a saying, which was also invented by millionaires - "we are not rich enough to buy cheap things." And since we are talking about shoes, try to change them as often as possible to the extent of your financial capabilities. It is advisable to purchase one expensive pair every season and two not very expensive ones. To alternate and combine them appropriately. And so that the first pair does not wear out so quickly. Nothing kills a look like worn-out shoes.
To look expensive and presentable without letting yourself go around the world, you must adhere to the following rules:
Make up a basic wardrobe
There are several compulsory subjects that make up the foundation. it middle length, black turtleneck, white shirt, straight-fitting jeans, plain knitted dress without a pattern and unnecessary details. And a club jacket. The secretary Vera spoke about him in the "Office Romance". More than a dozen years have passed, and the club jacket is more alive than all living things.
You need to choose in such a color scheme so that they are in harmony with each other. Then it will be possible to make sets of them in many versions, combining a dress with a jacket, a skirt with a turtleneck and the same jacket, jeans with a shirt. With a few well-chosen capsules, you won't be puzzled over what to wear to work or a date. By adopting this principle as a basis, you will wean yourself from buying random junk under the influence of good discounts or impulsive impulses. They will then be doomed to waste space in the closet, since there is nothing to combine them with.
Do not acquire frank fakes
Things that are a rough parody of global brands shouldn't have room in your closet! Markets and shops are literally flooded with such products and accessories, and many women of fashion buy and proudly flaunt them. "And I go all this - in Dolce Gabbana!" in T-shirts and blouses, on which the inscription "D & G" goes through the entire chest. Or handbags with the same logo often bring a smile. The fact is that a real bag from these couturiers costs as much as a good three-room apartment in a regional city. And the prices for the latest models of world famous designers are generally scary to voice. Such bags should be stored in a safe deposit box and walked with an armed guard.
But the magic letters on the product work flawlessly, and are in demand, although these bags did not lie next to real brands. At all times, such lovers of forgeries have been, are and will be. A classic example is Ellochka the Ogre. Her life motto is to catch up and overtake the daughter of the American billionaire Vanderbilt. With the help of a brush and green paint, she transforms the cape from a “Russian hare killed in the Tula province” into an exclusive cape made from the fur of an “American jerboa”.
Almost a hundred years have passed, and now in a popular video we see how a girl applies red paint to the soles of her shoes with the same brush, so that they are exactly like super-fashionable "Louboutins". Do not imitate such "craftswomen". Do not.
Decorations
For many products from precious metals and stones are a symbol of wealth and prosperity. And often young ladies wear the entire family gold reserve in order to increase their status. But the fact is that massive earrings, rings and chains, rings with huge stones that came from mom and grandmother are not in trend for a long time. Now even wealthy women wear graceful rings, small stud earrings adorned with tiny diamonds. today they are valued not for weight, but for beauty and artistic performance.
Avoid sequins and rhinestones
Do not buy dresses and blouses decorated with different shiny tinsel. This is wasted money, believe me. They are striking to everyone, and for the second time those around them will think: “Again she is in these rhinestones. Nothing else to wear? " Yes, and you yourself will get tired of it very soon, everything bright and catchy quickly becomes boring. As a result, you will wear a sequined dress in the country, in the countryside. And stay away from forty - they adore sparkling objects.
Give preference to black, white and pure natural colors
Black is the most versatile color and any other clothing suits it. And white outfits are usually worn by neat and confident people. Get some white T-shirts and blouses, both classic and sports style... Wash them daily - they should be “frosty fresh”.
Beware of dresses and suits of flashy, "acid" colors, they look vulgar and cheap. Soft, pastel and calm colors are the best solution.
Pay attention to the quality of sewing and cut
When choosing a new outfit, pay attention not only to color, style and material. Take a close look at how the seams are made, the details are processed. Curved stitching, protruding threads indicate that the craft was made in an underground workshop. According to patterns copied from world brands. And it was sewn by people who had just graduated from the accelerated courses in cutting and sewing. Self-respecting manufacturers will not allow such hack.
Bet on classic models
Classics have always been and remain relevant. If you are invited to a business meeting or interview, to the theater or to a tea party with your boyfriend's parents, then you can't go wrong if you dress in a classic style.
- The classic options include straight trousers that cover almost the entire heel. They slim your figure and lengthen your legs just to the height of your heel.
- This is a white blouse that can be paired with both pants and a skirt.
- It is impossible not to recall the famous "small black dress", Which was invented by Coco Chanel. An elegant brooch, a beautifully draped lightweight scarf, and on special occasions a string of pearls will suit him.
Choose products made from natural fabrics
Synthetics have not been in demand for a long time, and high-quality clothes are made from natural materials. Pay attention to the composition of the fabric indicated on the label.
Follow the trends
You should not blindly follow fashion, you need to choose what suits you. Watch the latest magazines, reports from the world's catwalks, TV shows about the latest in the industry. Taking into account the main trends, you cannot go wrong in choosing a new item.
Have a well-groomed appearance
Appearance is just as important as carefully selected bows. A shapeless hairstyle, problem skin and sloppy nails will undermine all your efforts to update your wardrobe. Fall in love with yourself and make it a rule to regularly visit the hairdresser, manicure and beauty parlor. Save on something else, but your look must be flawless!
If you are slim, try to stay that way as long as possible. It will always be easier for you to choose a ready-made toilet, and it will look much better on a good figure. The investment in looks is worth it as it builds self-esteem and attracts success.
Dress for men
Women dress up for other women. They compete, whose attire is more beautiful and more prestigious. And they zealously make sure to be no worse than others.
And you dress for men. After all, your personal happiness, career advancement and growth mainly depend on them. wages... And a husband, boyfriend or boss doesn't care which designer you are wearing. The main thing is that it is not vulgar and that it emphasizes the figure well. Especially if there is something to admire. So choose something that is feminine, elegant and perfect for you.
You see, everything is not so difficult. You don't have to have that million in your pocket to look like a million dollars. Elegance, grooming, good taste - and you are no longer a girl, but a picture! All people are like people, and you are a queen!
Every girl knows how difficult it is to always be on top. Indeed, self-improvement often takes a lot of time and money.
What a blessing that there are life hacks that can make life easier for any woman. We decided to collect the most valuable tricks that will help you always look like a million.
Mascara will hide growing roots
Girls who paint in dark color know how unsightly growing hair roots look. To deal with this problem will help mascara, which just needs to be applied to the roots.Natural curls can be done without tongs 
You don't have to be the owner of a special curling iron to create a natural curling of your hair. You can simply twist dry hair into a tourniquet and warm it well with a hairdryer. Owners of thick hair will have to twist several bundles. The pencil will provide a fashionable perm Another useful life hack in the piggy bank of girlish tricks. If you don't have round tongs, you can simply wrap your hair around a pencil and warm each strand thoroughly with an iron.
The napkin will keep the hair from electrifying 
If you fix the napkin on the comb in this way, hair will stop accumulating on it. It will also help to avoid electrified strands after brushing. Starch will solve the problem of oily hair
Many girls experience a lot of inconvenience due to quickly greasy hair. But not everyone knows that this problem is very easy to solve. Hair stays clean longer by applying starch or baby powder to the roots. A toothbrush will add volume to your hair
You can add volume to your hair without special shampoos and complex styling... It is enough to comb the strands layer by layer with a toothbrush towards the roots. The changes will be visible to the naked eye.Lavender oil for gorgeous eyelashes
Add two drops of lavender oil to the mascara to help separate and lengthen your lashes. It is noteworthy that lavender oil accelerates hair growth, therefore, using this mascara for several days, you will be pleasantly surprised. Scotch tape will help make up your eyelids
Not to spend huge amount time for eye makeup will help with scotch tape, which can be used as a contour stencil. To prevent the tape from sticking too much to the delicate skin of the face, before using it, you need to apply it to your hand several times and peel it off from it. Q-tip turns daytime makeup into evening makeup
To quickly turn natural day makeup in the evening, it is enough to shade the eyeliner with a cotton swab. You can then complement the makeup with your favorite colors. Makeup brush can change shape 
You don't have to buy all kinds of brushes to get quality makeup. A powder brush like this can get wide with a hair clip and narrow with an elastic band. You can forget about lipstick on your teeth. 
Lipstick that stays on the inside of the lips constantly stains the teeth and makes the smile look ugly. You can wipe off excess dye by swiping your finger, pencil, or even a spoon from the inside out several times. Excess lipstick will remain on your finger. Aspirin will relieve red spots 
An aspirin scrub will leave your skin smooth and free from red spots. To do this, you need to soak several tablets in water, apply on the face, and rinse off after five minutes. The patch can fix the earrings
Earrings with a hook instead of a clasp never freeze in the starting position and are constantly twisted. To fix the earrings, you just need to glue the tip of the hook to the back of the earlobe. This can be done with a bodily adhesive plaster. You can also hide the bra bones with a patch.
A popped bra bone can scratch your skin all day long and cause a painful wound. To protect yourself from such consequences, you can stick a piece of adhesive plaster on the broken piece of tissue, which will hold back the sharp piece of iron. Antiseptic will solve the problem with sweat
Deodorant can not always fully protect against the smell of sweat. Since an unpleasant odor appears due to the multiplication of bacteria, you can protect yourself from it with an antiseptic applied to the skin of the armpits or other problem area. Hairspray protects feet from slipping
Finding the perfect shoes is almost impossible: some will rub, while others will definitely leave an unsightly gap in the back. To solve the problem of the "hole" between the leg and the heel, it is enough to apply hairspray to the foot, which will not allow it to slip forward. Spend a penny, look like a million - why not ?!
Master this useful art. After all, we in Russia have a special demand for it: after all, there are only a few connoisseurs of true luxury. So is it worth overpaying?
Each of us dreams of looking like a million. "But where to get this notorious million?" - we reflect. Meanwhile, it will not be a revelation to say that the strong, rich and famous of this world, for whom it is not a question to spend a couple of hundred thousand dollars or pounds on a dress, does not always look like the actual amount spent, and sometimes they do not look very good at all. Why? Is it clearly dear and fashion clothes does not guarantee one hundred percent success? Undoubtedly, clothes play a big role as part of your look. But to really look expensive, you have to work on yourself. And in order to be fashionable, one must understand very well what this fashion really is.
"Fashion" translated from Latin means "measure, rule, image." Once it was she who rigidly dictated to us the silhouette, length, color. Let's remember at least the 1960s. Everybody wore mini. And what was to be done by those who could not afford to put their legs out for everyone to see? Today, fortunately, the situation has changed dramatically - fashion has become much more democratic. It offers both varied lengths and rich color range... The time has come for the so-called eclecticism, when the question "What is not fashionable today?" sometimes even designers struggle to find an answer. Therefore, these days, the emphasis is increasingly placed on an individual style, on clothes that emphasize the features of your character. And in this sense, it no longer plays a special role, how much money we all have in our account or in cash in our wallet, how much of these savings we can painlessly carry to the store, spending on another dress, skirt, blouse ... It is much more important to feel your style and learn correctly wear the simplest, sometimes very inexpensive things. How? Recommendations, comments and advice from stylists, designers, psychologists will help you with this.
Psychologist's comment
Yours or someone else's? Clothes prompt
If you sit quietly in a corner with your hands folded in your lap, you are still exchanging information with those around you. Who? Where? Who does he work for? Are you married or not? People are looking for answers to questions by looking at clothes.
The division into friend or foe can be traced quite clearly: you should look and smell the same as is customary among people in your circle. He is dressed the same way as we are, which means that he is his own, in a different way - we will have to prove that he is ours.
It is always safer to follow the rules of the game as a team, wear a uniform and feel part of the whole. It is this message that is at the heart of any traditions related to things, be it the National costume or fashionable clothes - it is the desire for unification that makes us adhere to certain rules when creating our image. The first part of the saying "They meet by their clothes ..." is no less important than the second. A good impression from the first meeting is the key to the continuation of the relationship, which is why working women attach such importance to adherence to the dress code.
With the help of a properly composed wardrobe, you can drastically change your life (make a career, successfully get married). And here fashion comes into conflict with tradition. The ability to balance the fashionable and the traditional in your appearance creates your uniqueness, while blind adherence to fashion along with extreme conservatism kills it.
Having found your own style, you should not stop there, fashion changes, and the years leave their mark on the face and figure. When choosing clothes, it is worth moving from extravagance to conservatism, and not vice versa. Although sometimes the choice of image depends on temperament rather than age.
Be adequate:
- your society - try to look the way it is customary in your circle, so as not to cause unnecessary gossip, and not always friendly;
- her age - a woman dressed not for her age causes surprise and bewilderment of others;
- your time - follow the fashion (without fanaticism), so as not to be branded as backward and old-fashioned.
Stylist comment
Business lady or young peasant woman
Nowadays, fashion has adjusted its dictatorial tendencies. Democratic diversity of styles is flourishing today. Wardrobe staple modern woman makes up inexpensive but high quality clothing. Putting on the basics and adding trendy details and accessories to them, you will be at your best. But at the same time, you need to catch your own style, and not blindly copy models from the catwalks. It is no coincidence that today there are many multi-brand stores where items of various styles are collected under one roof. When buying clothes from different designers, they can be successfully combined, including mixing styles. But no matter what today's fashion offers, one must always remember about harmony and a sense of proportion. You need to dress at the time and place.
With all the variety that is offered in clothing today, four styles or directions can still be distinguished. Of course, this division is arbitrary and the boundaries of each style are blurred. One can flow into the other, but nevertheless, you can almost always accurately identify it, forming your wardrobe. When buying this or that thing, be sure to look into the fitting room. Evaluate how the given dress or suit suits your body type. The silhouette of things is very relevant, but does not fit your type? Do not buy such clothes, it will have the opposite effect - at best, the figure will look shapeless, at worst - the chosen thing will further emphasize your shortcomings.
To neutralize them, use the so-called visual illusions. Longitudinal constructive lines, vertical stitching or trimming, arrows on the trousers visually stretch the figure, which means you will look slimmer and taller. And the horizontal divisions of the suit, on the contrary, shorten the figure.
When choosing a blouse or open dress, please note that V-neck lengthens the neck, as well as a deep bob.
And one more subtlety: never take clothes one size smaller, even if you have an increased diet in your plans. At best, you will lose weight in a month or two, and you will want to wear trousers or a skirt tomorrow - in a new dress you will be uncomfortable, and it will not produce the desired effect.
Pay special attention to shoes. There should be several pairs in your arsenal - 2-3 pairs for every day, for festive and sportswear or for recreation. It should always be matched to the suit, and as a result, to the situation. If you are going for a walk, do not wear stilettos (this will not bring you extra points) and do not come to the office in sneakers, even if you are wearing jeans - you can always choose men's-style leather low shoes or loafers that are not out of fashion. Note that many designers now produce footwear and accessories along with clothing - an integral part of not only festive, but also everyday clothing.
In this article, I want to give some tips on what a woman should do to look like a million dollars. After all, a handsome, stylishly dressed person always seems to us more successful, confident, happy and, according to statistics, people like him more. And what follows, it is always easier for a stylishly dressed and good-looking person to achieve their goals. With his appearance, he shows us that he deserves the best. Namely - beautiful things, better man, prestigious work.
I have always adhered to the rules that you need to start with yourself and the rules of the "golden mean". And therefore, I believe that the external attractive image of a person, in addition to education, creative hobbies, relationships with people around him, is also important in the implementation of plans.
Remember, appearance is your calling card.
Watch films featuring style icons such as Grace Kelly, Audrey Hepburn, Marlene Dietrich and Sophia Loren to develop taste and sense of style, as well as for those who appreciate the time immediately contact a professional stylist-image maker to create an image and help you look per million, taking into account individual preferences and characteristics.
Stick to a feminine, classic style of dress. Give preference to products made from quality fabrics. When choosing an outfit, you should adhere to the rule - if open up, then closed bottom and vice versa. Shoes with medium or high heels.
Find your stylist. Healthy, thick hair of natural color and elegant styling are the main advantages of a woman who wants to look like a million.
Monitor the condition of your skin. She should be healthy, young, well-groomed, with a pleasant gentle natural make-up. How to make natural makeup there are many videos on youtube, and you can also ask a makeup artist friend to teach you how to do makeup for every day. I have nothing against plastic surgery if you don’t like something in your appearance and this drawback prevents you from living. Plus you've found a surgeon with good reviews patients, why not take the risk.
Hands and nails should be well-groomed. Many men shared with me that they always pay attention to the condition of the girl's hands and from them they conclude whether she is watching herself, who she is and what she is. Coating should be done with shellac, as it will last up to three weeks on your nails. Noble colors are: Burgundy, red and neutral beige / pale pink.
Complete your outfit with gold, silver or pearl jewelry. And also exquisite vintage jewelry. Many craftsmen make and collect such jewelry and it is not difficult to find them on the Internet now.
And most importantly, pay attention to detail. After all, they create that very image. If you have some amount of money for new clothes, then allocate some of this money for the purchase of a significant brand accessory (bag, scarf, cell phone, watch, shoes, belt). Such accessories will immediately attract attention and help you look like a million.
If you are reading this article, then you want to change your life. So start finally to change your life, because if not now then when ?!
Fashion expert Tatiana Korona / Soon consultations on style / image online
