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5 Reasons to Switch from Debit Card to Kredittkort

Working with a debit card is great as you can do everything cashless. However, there’s a great difference between debit and credit cards. They both look equally the same, but their features are way too different to think that this is the same piece of plastic you’re holding in your hands.

Most people that first opt for plastic and an account that will give them the chance for cashless payments choose the debit option. The reason for it is that there’s no commitment and there’s no need for worrying about how you handle your funds.

However, everyone that has ever had the chance to operate both, knows how different it is, and how much better the other option is. Having a credit card offers so many more options and possibilities, that once you switch to it, you’ll never go back to the debit ever again. Read more about this never ending battle here.

Instead of thinking too much about whether it is the perfect solution for you, maybe you should start thinking if it is time to apply for one. The procedure is simple, and if you’re eligible for one, you’ll get it immediately. If you’re still not convinced that you should migrate from a debit to a credit card, then take a look at these reasons and understand why you must do it.

1. Better safety

When you get a credit card, you get a much different safety system for your money on the account. The debit card is different because what you see in the form of balance is what you can spend, but it’s not the same with the credit card.

When you have a debit, the money that someone might steal from you is money that is immediately gone and is extremely hard to get back. The other option is much different. When a hacker breaches the security and steals the funds, you can immediately block the transactions done, and recover what was stolen.

The card issuer will then activate an investigation that will involve the police and the insurance company, and you’ll get your money back. How they will handle the problem later is not your business, but what’s important for you is that it’s not that easy to get robbed.

The debit ones are very hard to be traced when someone steals from them. The insurance companies are not paying any attention to them, and, this is why your money is not safe. If they are not insured, then you’re easily robbed. With the credit card application, you instantly apply for insurance too, which is why this is the safest option out there.

2. A chance to pay with a grace period

With a similar system to the one we described above, the funds that should be paid to a vendor can be held until you want to release them, which is technically called paying with a grace period. This is an option that financial companies provide to their clients when they want to buy something, but they don’t want to release the money immediately, but only after some time.

With it, you get to buy a product or pay for a service with money you don’t have, and even if you do, money that you don’t want to spend right away. What is going to happen is that the finance company will pay for you, and will take the money from your account only when you agree to it.

This is great for those that have no positive balance at the moment but need something bought immediately. They are going to order it, no matter the circumstances, and the bank won’t do any problems to them.

Something like this isn’t possible with a debit card as this piece of plastic is only good as your balance on the account is. If you don’t have enough money, the vendor will simply decline your card and ask for cash instead. If you don’t have the money, the product stays in the store.

3. Better interest rates

When you get a credit card, you’re getting a payment option that allows you to go into debt with a great interest rate. Of course, if we take into consideration that we’re talking about the test av kredittkort and not a classic personal loan.

The interest rate in most credit card deals is around 12%. Depending on many factors like the personal credit score, income size, and many other things, the rate can go up or down, and you’ll pay more or less depending on these factors.

However you turn the tables, you’re getting better treatment through the credit card than anything else because having a debit card and asking for a personal loan might get you a disastrous interest rate that you won’t be able to take.

4. Ability to go deep under the income limit

The best feature of credit cards is the chance to buy whatever you want at a given moment. Let’s say you’re walking down the street and you see that the shoes you’ve been looking at for quite some time are on sale, and it might not take too long before someone snatches them before you.

It doesn’t matter how much they are worth and how much money you have on your account. You can buy them with the credit you have on your card. These funds will be placed on your card, and you’ll pay them back when the income arrives.

What is great here is that the limit is that you can borrow several monthly paychecks and use the money for whatever you want. There’s no need to worry about how much you have, as the card can take more than $10,000 easily. All you need to do is find something you love, and the bank will take care of the rest.

5. Chance to pay anywhere in the world without a problem

When you go into another country, you need money to handle the business you’re there for. A lot of foreign countries won’t accept your currency, and you’ll have to change your currency into the local one. This may be a way bigger problem than it sounds it is.

You’ll need to find an ATM or a bank, but not all of them will be able to give you the local currency when you give them the debit card you have. On the other hand, when hand over a credit card, they’ll easily provide the money you want, and even more than you have on the balance.

If you find yourself in an emergency, you should know that you’ll always be safe wherever you go. You just need to walk into any bank you see, and they’ll give you cash that works wherever you go. This is why credit cards are the best payment system there is.

Conclusion

These are some of the best reasons to know why a debit card is not as worthy as a credit card. It provides many more features, and you’ll have more benefits from having it.

If you feel like you want a better solution than having an account holding your money and charging for maintaining it, then the credit card is what you’re looking for.

Key steps to becoming a successful trader

The word ‘successful’ is easy to say but tougher to achieve. In trading, the biggest difference among the groups of successful traders and unsuccessful traders is the lack of awareness about the market. Successful traders are investing a lot of time and money to learn about the updated strategies for trading. Now, we will discuss the traits of successful traders and ask yourself if you possess any of those traits or not.

Know the reason

You want to trade, but before that, you must be clear about the purpose. If the reason is not crystal clear to you, then the trading business is not for you. Forex trading is not like gambling, and your fate does not play a role here. You have to work according to the reason here. 

Perhaps you did not like your 9-5 job, and that is why you are here to start your Forex business. If you do not have a strong reason to continue business here, leave at once without wasting your time. Otherwise, the frustration of losing money can keep you broken.

Thirst for knowledge

Beginners get tired with a little bit of study. To be successful in trading, you have to take the vast learning curve about Forex trading. Successful trader like Warren Buffet has a good habit of reading business books daily. Even in his 90s, he tries to complete a book in a week. So, if you want to be successful in trading, you must have a thirst for knowledge. If you are not continuously looking for enriching your trading knowledge, then this place is not for you.

The majority of the elite traders in Singapore have a strong foundation in the investment business. To succeed in the retail trading industry, you need to explore the INS and out of this business. Once you develop adequate knowledge regarding the CFD trading industry, you should be able to trade with confidence. You will feel the necessity of proper training to become a successful trader.

Be a businessman

Take trading as a business. The business has profit or loss. You must tend to take the loss too. What you can do is to minimize your loss by taking various steps, but you cannot run from loss in trading. It is not possible. Try to enjoy trading as a businessman. 

Do not gamble

Forex is not a place for gambling. Beginners think of opening a trade here and want to see what happens. But they should be careful before trading. They must have to follow a policy before trading. They should know what results may come from taking what action.

Focus

If you are easily diverted, then trading is not your business. You must have to build a mindset of being focused. Hankering after money will take you to your ultimate doom when you do not analyze your trading reports with constant focus.

Be brave

If you are very fearful of your opponent’s trading strategies, you can not open a trade. You must be courageous to open a trade based on your analysis. Do not listen to others what they are saying without any deep thoughts. You get biased what others are saying in the forums, but you must be rational and brave to depend on your own decision.

Changing the mindset

Change your mindset from being a day trader. Try to set your mindset for extended trading. To succeed, you have to learn about position trading, where you may have to hold your trades for one to three weeks on average. 

Conclusion

If you meet those qualities, then we guess you can be the next successful trader. To make money in the long run, you must endeavor to enhance your skills day by day. Use your consciousness and do not be emotional. Planning is very crucial to be successful, and without planning, you will not head towards trading.

4 Essential Points To Do For Your Personal Protection

Safety and security isn’t constantly ensured in today’s world, which is why it’s always best to be prepared for any kind of situation.

This goes for your physical security, house security, and also financial security. There are even methods to safeguard your identity from as well as individuals looking to commit identity theft.

Work With a Private Investigator
When individuals consider a Private Investigator, a lot of the moment, a Sherlock Esque persona pops right into their head. While– indeed– Private investigators are frequently hired to help address a criminal offense or situation apart from the cops division where you stay– they are all certified for various other things.

That suggests if you have been a victim of a criminal activity or assume you potentially will be a sufferer in the future, working with a Private Investigator may be the method to go. Given that criminal offense rates in Dallas have been on the increase, officials remind people that PI’s have added experience when it comes to personal security.

Private detectives, nonetheless, do not come at a low cost and are normally suggested to those who are living through dire scenarios and require that degree of protection. If you’re checking out more low-grade options, here are some even more options.

Buy a Safety System
Part of your personal safety is making certain your house is secure. It’s your initial line of protection versus intruders and also frequently can be a lifesaver.

In the 21st century, there are a lot of alternatives to check into. One of the most popular choice out there is, naturally, a house security system. These come from several brands and also with various choices. You can opt for a system that involves video cameras, movement sensors, and also sirens.

Electronic cameras
Security cameras are typically connected to the Wi-Fi, which after that enables you to have immediate video footage streaming on any type of device you have linked. You can take care of when to obtain notices and also how you would certainly like it to respond in the case of bundle shipment or anything else.

These electronic cameras typically have face acknowledgment as well and can inform when an international individual comes on your residential property. Cams provided by Google even have cams that permit speaking with the individual at your door.

Activity Sensors
Activity sensors, certainly, spot movements anywhere they are placed. They can be placed either outside or inside of your house and will signal you when there are movements sometimes when it’s activated.

There are additionally sensing units to buy that will certainly tell you whenever a door or window in your house is open. If you aren’t residence, you’ll be provided an alert on your phone and the option to call the authorities. This is likewise feasible with sensing units that identify the splitting of glass.

Some other features can consist of:
Panic Buttons
Home window Stickers
Smoke and Carbon Monoxide Alarms
Key Fob/Key Pad
Safeguard Your Finances
Securing your financial resources can be just as crucial as securing your home. As long as we despise to admit it, our financial resources are our lifeline when it involves leading a stable life. There are plenty of steps you can take to make sure every one of your assets stay risk-free.

Coprus Christi Private Investigators are typically active with the ongoing amounts of cheating situations. TX specifically in Corpus Christi, PI’s keep active given that this location has a high divorce rate as a result of adultery.

Passwords
Since we live in a globe of online banking, seeing to it you have lengthy and also complicated passwords is what is needed. Naturally, don’t make it as well made complex that not even you can remember it– yet one-of-a-kind sufficient that it can’t be presumed. That indicates names and birthday celebrations are definitely out of the question.

Alerts
Ensure to speak to your financial institution concerning setting up notices so that anytime any type of activity is tackled your account; you’ll be notified.

Various other alternatives to keeping your accounts risk-free include:
Thoroughly choose a monetary expert
Go paperless
Shred unnecessary records
Be Aware of Scams or Fraud Phone Calls
Do you understand that scam calls you typically get around tax obligation period? Those can be destructive to your possessions. Remember not to offer any info like your WRONG number or bank card number over the phone unless you’re 100% sure you know who you’re talking with.

Clicking unidentified web links sent out with email and messages can also consist of covert infections prepared to hack into your personal information.

Recognizing that you are correctly protected will constantly provide you peace of mind. Employing a private investigator for personal defense is a smart step, and safety and security measures on your residential property are constantly a must. Online protection ought to constantly be on your mind when doing your internet tasks, especially when doing electronic banking.

Register a company in the Netherlands

When you want to start a business in the Netherland, you will need to register the company. For foreign companies, this can be quite difficult. Luckily, intercompanysolutions.com is there for you to help you out. With only a copy of your password, proof of address and a power of attorney they can register a company for you. When they receive the documents, they can proceed with the Dutch company register and finalize everything that is needed.

Requirements

Registering a Dutch company has a few requirements:

  • The company name must be unique.
  • There needs to be a share capital of at least one euro.
  • You need a Dutch registration address for the company.
  • The notary needs to be provided (or translated) in English.

Benefits

It might be interesting for you to register a company in the Netherlands, because of the benefits it has. First, the Netherlands provides a good business climate. It is ranked third when you look to the best countries you can do business in. Besides this, the Netherlands is a core member of the European Union and because of this, the Netherlands has good relations within Europe. Third, the Netherlands has a perfect location with some great harbours and a noticeably big airport. And finally, the Dutch people speak English, so it is easy to communicate with the people around you.

For a lot of companies, there are multiple activities they can start in the Netherlands to help their company grow worldwide. Do not wait too long and register your company over here.

Advantages Of Recycling Metals From Scrap

Every item today has some amount of metal in its composition. For every metal component in your appliance, there is a lifetime associated. It could get corroded, or worn down after a time. Having a proper disposal method could help you develop ethics, and save the environment as well. To get an add on, you can even get paid for being aware enough of the proper methodology. You should contact the shop famous for used scrap metals and get your lot disposed of today. Why? Well read on to find the reasons, here are some advantages of recycling scrap metals.

Energy Conservation

When you talk about the energy required for metal melting or dismantling and form a new product of it, it requires quite little energy for the same. This is because these metal components are made so. For every piece of scrap metal that you dispose of, you save a huge amount of energy. This could further benefit you as well since many scrap metal dealers pay you if you got some good material. These recycled metal products are then sold done the retail line at a much cheaper price. Imagine a lot of scrap metal and hence cheap metal products in the market. Not to forget the reduced greenhouse emissions and conservation of natural resources due to you, you might call yourself a Hero for this.

Saves the environment in multiple ways

When you talk about conservation and saving the environment, a lot depends on how we utilize the resources. Scientists have already suggested the de[letion of most resources credit to the unsustainable usage. However, to do some bit on your side, you can easily follow some easy pickings and dispose of things at their proper place. Metals are known to long an eternity and develop into a toxic waste generation. This could harm plants and animal lives such as soil and marine organisms. By reducing the metal waste in landfills, you protect the soil fertility for future generations.

Economic Benefits

Have you ever wondered how beneficial the scrap industry could be? As per a survey, scrap industries generate about half a million jobs and generate a huge amount of tax revenue annually. The recycled metal products that you buy are cheap because they do not involve the costs of mining or other such activities. They could help a nation through import-export trade of a nation. For companies good at signage, you have ample choices.

These benefits make an environmental sense and if you want more, the economic benefits could be your cue. So get you junk metal properly disposed of today and be a Hero.

Pay-roll Reduction Analyzer

Talk to various other business proprietors, friends, and family to recognize if they have utilized this solution in the past. Workers that have extra dependents reach have minimal pay-roll tax obligations subtracted from their incomes. This is possible with the assistance of pay-roll kinds. The key target market of pay-roll kinds is the workers of a company. The style and also layout of pay-roll kinds vary from firm to business. If the quantity you go into in the area varies from the quantity the program determines from the pay-roll background, a caution shows on the Pay-roll Estimation Device display that mentions: Distinction in between YTD got in & Actual and also the quantity you got in. Pay-roll can be quite an intricate point to do. You need to inspect what you can consist of as incomes initially. A Pay-roll Money Advancement Permission Kind and also a Pay-roll Income Breakthrough Demand Type can be valuable in these circumstances. For instance, a problem of dispute or alteration appears, staff members or the monitoring requirement to load and submit the proper Pay-roll Kind and take the required strategy.

Having a Company Recognition Number (EIN) is among the needed demands for a company to carry out a pay-roll. Why Are Pay-roll Forms Helpful? Preferably, staff members are the target market of pay-roll types. Nonetheless, in instances where insurance policy businesses are associated with the handling of payroll or in the company and also worker partnerships, both are taken into consideration a target market of hourly paycheck calculator pay-roll types. Company owners need to make it a factor to keep the exact quantity of Federal Insurance coverage Contributions Act (FICA) tax obligations annually from pay-roll. Pay-roll jobs, as well as monitoring, are important undertakings. If you are taking care of a corporation, that employing a third-party expert to make sure that your pay-roll handling is precise and also exact is a smart relocation. Relying on various circumstances, various Pay-roll Kinds require to be inhabited and need to be sent to the worried events. All workers require to submit a W-4 type in addition to a New Hire Record for each brand-new staff member.

C-Note

DEFINITION of ‘C-Note’

C-note is a slang term for a $100 banknote in American currency. The “C” in C-note describes the Roman character for 100, which was printed on $100 expenses, and it can likewise describe century. The term came to prominence in the 1920s and 1930s, and it was promoted in a variety of gangster movies.

BREAKING DOWN ‘C-Note’

C-note is utilized less often in modern slang, and it has actually been changed by “Benjamin.” This term comes from Benjamin Franklin, among the starting daddies of the United States, whose picture is on the front of the $100 banknote.

Evolution of C-Notes

The $100 expense had a capital “C” in its upper-left corner from 1869 to 1914. It was in 1914 the U.S. government presented Federal Reserve keeps in mind to replace older Treasury notes. The 1878 and 1880 editions included a picture of Abraham Lincoln on the left. The 1890 variation of the C-note featured Adm. David Farragut to the ideal side. On the backs of the Farragut banknotes were two absolutely nos that looked like watermelons, for this reason the nickname “watermelon notes.”

Contemporary $100 Costs

Contemporary $100 expenses reveal an enlarged picture of Franklin on the front and a “100” in each corner. The “100” in the bottom right corner modifications color depending upon what angle the light hits it. A blue 3-D motion strip runs down the middle to try to prevent counterfeiting, and a watermarked picture of Franklin appears on the ideal side when you hold the banknote up to the light.

Fun Facts

The approximated life expectancy of a $100 costs is around 15 years if it remains in circulation for that long. The typical life expectancy of a $1 banknote is 5.8 years. Someplace between one-half to two-thirds of the $100 costs in circulation stay overseas. At the end of 2015, there were around 10.8 billion $100 bills in circulation, worth a total of $1.08 trillion. Around 11.4 billion $1 bills remained in flow at that time, the only expense with greater circulation numbers. The variety of C-notes in blood circulation has actually quintupled considering that 1995.

Click for more information on C-Note

Can you trade stock with small capital

The investment business is supposed to be a field for big players. As technology has changed, people are now using high-end brokers in the United Kingdom who are offering a leverage trading environment. By using the leverage, you can trade with a very small amount of money. Leverage gives you excess buying power which eventually creates the door for people like us to invest money in the stock market. But investing money in the stock market especially when the capital is small is a bit risky. However, by following some of the core rules of the investment business, you can expect to invest in the major stocks. In this article, we will discuss some amazing rules which will allow us to trade in the major stocks with a small capital.

Use the leveraged account

You have to learn to use a leverage trading account to become a skilled trader. People who have a small amount of money often use leverage to the trade in the most effective manner. Leverage will provide you with enough buying power that will remove the barrier at trading. People who have more experience in dealing with critical market data often consider leverage as a dangerous element. But if you spend some time and see how the market reacts to different news, you will leverage cautiously. Just because you have more buying power, you should not take the trade with high risk. Follow the safety protocols and try not to risk too much as it will impose a direct threat to your career.

Use tight stop loss

If you trade stocks with small capital, you must use a tight stop loss. For that, you will need a professional trading environment. To get more info, you should visit the website of Saxo and learn from the post of the experienced trader. Tightening the stop loss for the trade is a tough task as traders don’t know how to scale trades. But if you do the things in the right order, you will be able to focus on the essential part of the CFD trading business. But don’t use too tight stop as the small fluctuation of the market can wipe out your capital.

Avoid trading the news

You should never trade the stock market during the major news release as it will impose a great level of risk. The volatility of the market is so high it becomes nearly impossible for the retail traders to deal with the price fluctuations. But if take some time and depend on the core elements of trading, you will slowly learn to deal with the critical market data. Some of you may think to learn to analyze the major news. Analyzing the major news is a great way to secure a big profit but consider the consequence of this system. Inexperienced traders often make small mistakes while doing the news analysis and they blow up their trading accounts.

Learn the chart pattern

You should learn about the major chart pattern to earn money at trading. If you fail to analyze the major chart pattern, it will be a tough task to survive as a currency trader. People having strong knowledge about the trading industry often take high risks and try to increase their account balance. Trying to use the chart pattern to double your small account is a big mistake. You should stick to the safety protocol and take the trade with proper discipline because it will help you to overcome the obstacles at trading. It might be hard to overcome the losses but if you learn to take trades with discipline, you will slowly become a skilled trader. Always use the higher time frame when you intend to trade with major chart patterns. Taking the trades in the lower time frame and trying to earn a huge amount of money is an immature act. Stay safe and trade with low risk.

An Employer’s Guide on DOT Drug Tester

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It is highly essential to create and embrace a drug and alcohol screening policy for your workplace to maintain a productive and safe working area and prevent other issues that may happen, such as personal accidents and costly litigations.

The main problem with the policy is the challenge that comes with navigating the alcohol and drug-testing world. By clicking here, you will be able to read everything about testing methods in general. 

At the same time, state laws tend to contrast federal regulations, which is why you need to comply with all of them to reduce the chances of potential issues that may happen.

Before creating a policy, you need to remember and consider a few things. Of course, one of the most important ones is the ability to take advantage of applicable regulations within your workplace.

That is why employers have to focus on what is allowing, as well as what is prohibited. Apart from that, as an employer, you should understand the basics of what regulations you should comply with your state of operation.

Besides, you need to understand that some states come with workers’ compensation laws that may be applicable during the testing process. 

Some states also offer incentives to employers that are conducting drug screening, which is why you need to compare state and federal regulations to find ways to comply with all of them.

Drug Testing Basics

It is challenging to create a policy that will fit all your needs and perspectives, primarily since everything depends on the type of work you are into. Since there is no federal law that we can apply to all employers, you need to think about your perspective and include state laws.

Your assignment is to determine which employees have to undergo federally mandated drug screenings. Besides, it would help if you understood state laws and how to comply appropriately, which will include when, where, how, and why you are testing employees in the first place.

If you also implement the additional regulations, including case laws, the screening methodologies and perspectives become highly confusing. As an employer, you need to continually update and review the policy with an idea to ensure compliance.

Besides, it would help if you talked with third-party sources with proper expertise in alcohol and drug testing to make sure that everything is according to applicable laws.

A common mistake that employers make is assuming that the state laws are the only one that applies to your particular situation. However, if you are operating in various states, it is highly essential to comply with state laws, but federal ones are essential as well.

Creating a transparent, concise, well-researched, and written drug testing policy will help you cover a wide array of legal requirements based on both federal and state laws. 

Of course, you should implement the amendments to the base policy since the laws and requirements are continually changing and adapting.

Things You Can Do

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Everything depends on the state in which you are working and operating. Generally, urinalysis is the most common and certified testing method. 

Of course, you can use other methods as well, including hair analysis, saliva screening, and blood tests, which can be more effective in particular situations than urinalysis. Still, some states do not allow them, which is something you should research beforehand.

You should check out the state laws to determine whether testing methods are adequately conducted. Apart from that, some states tend to restrict the time and reasons for the screening processes.

For instance, in Alabama, the law states that confirmation and initial testing has to take place in a certified lab, which prohibits points of collection testing (POCT) in the workplace.

You can screen potential employees and current ones based on strict reasons, including post-offer, pre-employment, post-accident, reasonable suspicion, and random. 

Have in mind that state laws tend to change based on numerous factors, which is why you need to make sure that you change the policy accordingly.

As soon as you visit this website: https://www.staffordandheafner.com/importance-of-dot-drug-testing-in-the-transportation-sector/ you will understand everything about DOT drug screening.

Federal vs. State Laws

The general perspective is that federal regulations are always ahead of state laws. The primary example includes DOT employees that have to undergo particular DOT alcohol and drug testing regulations without thinking about state laws.

Since some industries come with federally mandated screenings, you have to follow them, but the process has to comply with state laws as well.

GOLD RUSH

Typically, when winter hits, us girls all have some instinct that leads us towards the perfection that is the black and gold combo and I’m clearly no exception to this – it’s an excuse to dig out my Jeffrey Campbell nightwalk’s after all, and if I’m honest they really don’t see much daylight! 

Lately my ensembles have been quite overpowered with black, and I’m generally the kind that prefers a bit more colour in my life – but apparently when the summer sun dissipates, so does any form of colour in anyone’s winter palettes. Maybe that has something to do with the excessive amounts of treats we eat this time of year, because you know it’s almost Christmas and it’s fine to have 10 cream cakes in one serving that one time (that one time that just so happens to be five times a week, but it’s ok because it’s Wednesday….) and you know, our ‘New Year’s resolution’ is to sign up to the gym and burn it all off… Excuse me while I go and sob into my tin of Quality Street, all widow-like in my black outfits, mourning the loss of the summer body.

But now, for some sparkly things! And so they return, the essentially ‘vintage’ Zara fur coat that I’ve had since my extremely early teens, along with a wonderfully battered pair of Ray-Ban Sunglasses. Despite the totally ripped up lining, there’s something about it that I just can’t part with, and I just love the way it finishes off a winter party outfit. 

Whilst growing Pretty Little Thing’s website, I noticed they had some serious sparkle going on this season, and I couldn’t resist the 60’s fit of this dress. There’s something so Edie Sedgwick about it – or maybe that’s just me, but I love it even still! For me, fur and sequins are the ultimate NYE look – it’s the best of both worlds, coziness and glamour!

I’ve never been much of a layering person, but this sequin cami from my previous post was the perfect excuse for a time to start and this cute little roll neck from Primark is so perfect for the job. I do love getting dressed up, but when it’s cold outside it’s so easy to prefer not to leave the house and freeze in the name of fashion, which is where a bit of casual and sparkly layering is our savior – the best of both worlds!