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This is an era of fashion and fashion is very influential to our lives. In fact, it adds diversity to our lives by offering an aspect of enthusiasm to strive for something new and different, otherwise it would be a monotonous life if we were supposed to dress up and act in the same manner.Fashion is an expression of a distinctive style particularly in clothing, footwear, accessories or makeup. It belongs to the style of doing something, looking different and dealing with others. It encircles a wide range of categorization like behavior, speech, actions, manners and lifestyle. There is much intellectual discussion over fashion and clothing and their importance within present day society. Fashion and clothing can be defined as many things that hold our society together. Fashion can be defined as an existing norm or style of dress, manners and way of socializing, whereas clothing is defined as garments collectively. If fashion and clothing were eliminated from our lives there would be no room for individuality and the world’s population would be the same. There also would be a loss of the distinctions between social classes, which was much defined in the 18th century but is still present today. The eradication of fashion and clothing would also change the dynamics of the social world and social relationships.Mod, short form of ‘modern’, refers to a youth lifestyle that came out from London during 1960s and quickly spread to other parts of the world. Being fashionable is not only desirable but also satisfying. It is very usual that the young students get attracted to fashion the most and start following the trends instantly so fashion influences our youth strongly. Fashion continually has an impact on the society. It affects our views and attitude towards social culture. We introduce new ways of lifestyle through fashion and create awareness within ourselves to reinstate a new line of customs. It is a leading social statement for students to make an outside appearance to their social circle. Malcolm Barnard says in his book Fashion as Communication, “Fashion and clothing have always been explained as forms of communication” (39). Students use fashion to exchange their feelings and beliefs. They use fashion as a way of social contact with reference to scrutiny for all sorts of people. Fashion is a way of communication to convey with the world what their personality really says.The decade of 1920 is called the Age of Flaming Youth because of its wild and jazzy expression. In this period the energy of youth was set free in a new way and no style seemed too ridiculous to become a high fashion. Our world has globalized. Celebrities play very important role in the lives of youth. Students look up to their favorite icons to keep themselves up to date. While watching television or using internet, they can easily be attracted by a variety of fashionable concepts. Moreover, the students idealize their favorite celebrities and they always have a desire to look like them so they do their best to imitate the appearance and lifestyle of their idols. They are trying to grasp all the existing fashion from their society to enhance their personality. Whenever they socialize, they talk about new things which could be adapted. They use non-natural way of expression, speech and mannerism in their routine lives which is relatively artificial.In my point of view, there are two categories i.e. positive and negative impact of fashion on students.The fashion in our society has a lot of negative impact on students. They only think about new fashion and this result in spending of a large amount of money. Therefore, they are not able to become aware of other important needs of life. It always distracts them from studies. Once a style or fashion gets in a trend, it is instantly chased by student community regardless of the fact that how much hassle it leads to. On the other hand they are caught in the confusion of fashion due to impact of society. To follow a certain fashion, one has to adopt some actions and to do so some students go beyond their limits just to attract their surroundings. Eventually they become hopeless instead of being ingenious and suffered from depression for being within fashion. On the other hand, it is also a thought that the money spending on Fashion could be spent for various other purposes like charity and helping the poor.Fashion creates an inaccessible standard for students. They all want to be attractive and glamorous like the celebrities on television or in magazines hence they spend a lot of time and money just to build up a good impression on people around them. However, they fail to make a statement most of the time that leads to a low self esteem. It also creates a clash of thoughts between them and their friends that may lead to jealousy factor and as a result ruin their relationship with friends. Students start judging people by their outlook appearance and those who cannot spend sufficient amount on their outward look, eventually become persecuted which decreased their confidence level to certain extent.Students who give more concentration to fashion are generally least conscious about their studies. They think that by adopting certain fashion trends, they will achieve certain distinction among the peers therefore they start giving less importance to their academic careers.There are some positive points of being fashionable as well. For instance, when teenagers feel good because of the way they look, it gives a high sense of worth and confidence in their personalities. Moreover they feel more independent and acceptable in a social context. If students follow a certain trend, it facilitates them to recognize their own personalities by meeting different people from the society with the same interests and sense of style. Wearing trendy clothes shows a person’s status. People assume a person more progressive if he is wearing fashionable clothes. Malcolm Barnard says in his book Fashion as Communication, “Fashion and clothing have always been explained as forms of communication”Students eventually come to know that it’s not good for them to follow or imitate others all the time. Instead, they should learn how to be innovative and make their own sense of style. That helps them to be more strong, independent and imaginative. Fashion is the name of expressing oneself.It proves that the people have liberty to feel comfortable about themselves and that results in a more successful and prosperous society.Fashion is a form of art and because art is beneficial to society so same goes for fashion as well.Fashion is a big reason for companies to invest more into the expansion of latest clothing, trends, and better living. We cannot disagree with the fact that fashion has a significant place on the life of every student. At times, it can be the source of things that make the life more pleasant. On the other hand, it can be destructive for the lives of certain people. So it’s better to keep yourself modernized with fashion but if it is damaging your academic performance by any mean, you should keep yourself away from that. Generally, fashion can be entertaining, exciting and harmless. Fashion is a money making method that can provide employment to thousands of people.There should be stability in the lives of students while pursuing fashion. They should be aware of the fact that the fashion within limits is admirable but when the limits are crossed, they have to face many problems. Their prime responsibility is to fill up themselves with the asset of knowledge instead of running after the wildness of deceptive fashion world. There should be a right balance between being fashionable and getting away from our roots. Students should know the fact that they have maximum time to indulge themselves to the world of lavishness after they completed their studies.So they should give their utmost devotion to education presently for time and tide waits for none.Being trendy and fashionable is just our own wish, no one can force us to do it and it’s our own decision that how much and what type of fashion we prefer according to place and requirement. Though this time of 21st century in Pakistan mostly people are affected by glamorous world and style of fashion but still they have not forgotten our traditions and culture which is the priority and symbol of our country.

Every business has three types of credit: the Consumer Credit of the business owner, Bank Credit, and Business Credit.Most business owners are familiar with their consumer credit. This is credit that reports to the consumer credit reporting agencies TransUnion, Equifax, and Experian. Scores range from 350-850, and credit is linked to the owner’s Social Security Number.Most business owners don’t know that banks have their own internal scoring system for businesses. This scoring system is known as bank credit, or a bank rating.
This score is based on how you manage your business bank account. Having $10,000 or more in your bank account will give you a good bank credit score.A business also has its own credit profile, known as business credit. Business credit reports to the business credit reporting agencies, Dun & Bradstreet, Equifax, and Experian. Scores usually range from 0-100, and credit is linked to the business EIN number, not the owner’s SSN number.Business credit provides a lot of benefits. For one, it has no link to consumer credit, so no personal credit check is required, and accounts don’t report to the consumer agencies.No personal guarantee is needed in most cases, so you won’t be personally liable for your business debts. Also, credit limits are 10-100 times higher than with consumer credit.With consumer credit, just because you have an SSN doesn’t mean you have an established credit profile.To get a consumer credit score and profile, you first must: get approved for accounts that report to the consumer reporting agencies, use those accounts, and pay your bills for those accounts, then and only then will you have an established credit profile and score for your SSN.Just like with consumer credit, just because you have an EIN doesn’t mean you have an established business credit profile and score.To get a business credit score and profile, you first must: get approved for accounts that report to the business reporting agencies, use those accounts, and pay your bills for those accounts, then and only then will you have an established credit profile and score for your EIN.Entrepreneur.com reports that 90% of business owners know nothing about business credit. Business credit is usually reserved for established businesses, or those that meet a certain criteria for approval, and often is used by companies big enough that they have a CFO.You can build business credit and get a good score QUICKLY! Having business credit increases the value of your company, and you won’t need financials or collateral for approval.Any business can actually establish business credit, but the key to success is knowing the formula for success, knowing what steps to take and in what order.
Business credit isn’t highly promoted in stores, or with cash credit sources, so usually only larger businesses take advantage of it.Credit issuers and lenders like it this way, because usually those larger companies are more established and have less of a risk of default, although it’s not actually the size of your company they look at for approval.To get approved your business must pass a test that shows the credit issuers and lenders that you are credible, no matter your size.If you pass this test and are credible in their eyes, you’ll be approved for business credit. Many times you get approved automatically by their computers without someone manually reviewing your application.Business size and how long you’ve been open aren’t really the driving factors for your approval, but passing this test is.This means even if you just opened your doors yesterday and have little or no revenue, you can still be approved with most business credit sources… as long as you pass their test.You must have a physical business address, or use a virtual address. You’ll need to have a business phone number, preferably a toll free number, and it’ll need to be listed in 411.You’ll need a business fax number and you should have a professional email address, and website. You must have the proper licenses for your business, industry, city, county, and state and you need an EIN, entity setup, and bank account.There are actually 20 items on this test that will be reviewed, but you now know some of the most important factors that credit issuers and lenders review.When establishing business credit, there are actually three types of credit you can get: vendor credit (starter accounts that offer Net 30 terms), store credit (revolving credit cards available in retail stores), and cash credit (revolving credit cards such as Visa and MasterCard that card issuers or banks approve you for).The biggest mistake entrepreneurs make when building credit for their business is that they try to apply for store or cash credit first, and skip vendor credit.But stores and banks will NOT approve a business owner for credit until their EIN credit profile and score are established. If you try to apply for store or cash credit without an established business credit profile and score, you’ll be denied… 100% of the time.You must get approved with vendors first who offer Net 30 terms. After you use those accounts and pay your bills, the accounts will get reported to the business credit reporting agencies.Then and only then will you have an established business credit profile and score. Once it has been established, you can begin to be approved for store revolving credit.You should seek out vendors who will approve a business for credit, even if none is established yet. There are actually many vendor sources who are well known for this: Uline, Quill, Reliable, and Laughlin and Associates, just to name a few.To start business credit, you first should get approved for accounts with these vendors.Some will require you purchase their products first and some will have you make three orders and pay before they’ll issue you a line-of-credit. But all of the sources I listed will approve a brand new business, even if you have no credit now.You’ll want to insure you have a total of five payment experiences reported before you even think of applying for store credit. A payment experience is the reporting of an account to a business reporting agency.So Quill, for example, reports to both D&B and Experian. That means that one account will count as two payment experiences. Laughlin only reports to Experian, counting as one payment experience.Once you have five payment experiences reporting, you can begin to secure revolving store credit cards for your EIN.KEEP IN MIND, all applications will ask for your SSN but you do NOT need to provide your SSN on the application. If you do supply your SSN, they WILL pull your personal credit… and if it’s bad your application will be denied.When you leave the SSN field blank, they’ll pull your business credit. Once they see that you have business credit established and at least five payment experiences reporting, then you’ll start to get approved for store credit.Most major retailers do offer business credit as well as consumer credit. Staples, Office Depot, Home Depot, Lowes, Target, Walmart, Costco, Sam’s Club, Radio Shack, Best Buy, BP, Chevron, Amazon, Shell, and most other stores, offer business credit.Some sources like Home Depot might have more stringent approval requirements and want to see big revenue and three years in business for approval of no personal-guarantee credit. However, sources don’t have these requirements, if you have credit established for the business.WARNING!!! Do NOT put your SSN on the application. Do NOT apply for revolving store credit without having at least five payment experiences reporting to the business credit reporting agencies. If you do either of these, you’ll be denied or you’ll have to give them your personal guarantee.Once you have a total of 10 payment experiences reported to the business bureaus, then you can start to get cash credit cards. Cash cards are those issued by Visa, MasterCard, even AMEX, and are cards you can use anywhere, not just cards you can only use in one store.It’s recommended that at least one of your 10 payment experiences has a high limit of $10,000 or more before applying for cash credit. Dell is a revolving store source who regularly approves business owners with established business credit for an account with a limit of $10,000 or more.Key Bank and Home Depot are two sources that offer revolving cash credit cards you can use most anywhere; many banks offer these also.When you follow these steps, your business can have an established credit profile and score.This profile and score can then be used to get you credit in your business name, regardless of your personal credit, and without a personal guarantee.You’ll want to continue building business credit, applying and getting more credit, using that credit, and getting approved for higher and higher credit limits.