• Fancy PJs That Are Perfect For NYE at Home

    Plus, our editors pick their favourite sets!

    You know that superstition about however you spend NYE will set the tone for the year ahead? Well, reader, I regret to inform you that last New Year’s I changed into sweatpants immediately after dinner out with friends and we played board games for the rest of the night…. In the year that has passed since, my collection of sweats has bloomed from two pairs of pants to an entire section in my closet dedicated to coordinated lounge sets. And at this point I would trade them all for one night out in a fabulously over-the-top outfit that requires an entirely ridiculous bra configuration, a suffocating pair of shapewear and my most uncomfortable heels.

    Alas, this year we will all be spending the night in, whether we like it or not. But that doesn’t mean we can’t up the ante with our NYE lewk. May we suggest a fabulous pair of fancy PJs that will take you from midnight toast to toasty in bed? Below, 10 pairs of luxe pyjama sets, sleep shirts and robes that you could honestly get away with wearing out (but you won’t) and that will make this NYE feel extra-special instead of extra-sad.

    Read this next: How Can We Have a New Beginning if 2021 Is Going to Be the Same?

    Here’s to a great sleep—and waking up to brighter days ahead.

  • Thom Browne Wants to Dress Joe Biden, Jill Biden and Kamala Harris – WWD

    “Everyone should celebrate the inauguration,” said Thom Browne. “Dressing Michelle Obama was one of the most important things I have ever done,” he added of the tie-silk coat and dress ensemble he made for her to wear to the 2013 presidential inauguration, which put his women’s  business on the map.

    This time, not only would he love to dress incoming First Lady Jill Biden, but Vice President-elect Kamala Harris and President-elect Joe Biden, too — and he’s gotten interest from the incoming administration. His take? “They should dress appropriately, timeless and classic, it shouldn’t be a fashion thing.”

    About that fashion thing, though — it should come as no surprise that Browne was a Cub Scout. “I was seduced by the uniforms,” the designer said during a Zoom review of his pre-fall women’s collection. “But I only lasted a day. It wasn’t for me.”

    Even though he hung up his neckerchief, the trappings of scouting, hunting and hiking continued to fascinate him, as they have the broader fashion audience seeking refuge in the socially distanced great outdoors during COVID-19.

    So for his women’s pre-fall collection, Browne took his gender-fluid tailoring through field-and-stream, with Norfolk coats and jackets (beautifully snug, belted and box-pleated, named after the Duke of Norfolk), hunting tartans, whimsical salmon-and-bear toile de jouy patterns, and new-classic duck boot-brogue shoes and boots — with rubber treads shaped like cable knit from the designer who lives for the details.

    In a world stuck in sweatpants, Browne is and always will be a suit man. But this season’s lean coats and jackets, tidy pleated skirts and long, low-slung trouser skirts did have a utilitarian spirit, in sturdy mixed plaids and repp stripes, some worn with down-filled shearling jackets and puffer blazers.

    The corset was a versatile addition to the wardrobe. (He also designed them for men.) “Think of it like a vest,” Browne said of the striped silk fabric cinchers, boned and laced up the back, worn over white shirting and under jackets. A dramatic trenchcoat with a pleated striped silk back was also notable, adding a sense of movement to the designer’s strict aesthetic.

    Despite the pandemic reality, he didn’t ditch black tie, or that bit of extra in the form of 3D silk string scouting knots on tweed, and falling daffodil petal embroideries on gray flannel. “Everybody is speaking about dressing down, but I love pushing the idea of dressing up — not occasion dressing, but for everyday,” said Browne.

    Well, maybe for one occasion, on Jan. 20.

  • How Celebrities Maintain a Healthy Lifestyle ⋆ Trendybloggers

    Celebrities may have negatively influenced people at a point in their lives. After all, being a celebrity is not all glam and parties, it takes blood, sweat, tears, and lots of crazy obsessions for one to become a celebrity. It’s not easy to handle all the stress of being watched and judged all the time. However, there are superstars out there that know how to maintain a healthy lifestyle that keeps them happy and fit. They understand that it’s only about building healthy habits and following certain routines. In this article, we will review how celebrities manage to stay healthy and take care of their wellbeing. (Image Credit: Elly Fairytale/Pexels)

    They Drink Plenty of Water 

    Most celebrities visit nutritionists and lifestyle coaches regularly to help them maintain a healthy lifestyle. One of the most important things that you have to follow to stay fit and enjoy tight, firm skin that glows without makeup is to make sure that you remain hydrated all day long. Many celebrities drink a gallon of water every day to help them stay focused, energized, and make them look more beautiful and fit than ordinary people. 

    They Follow an Exercise Routine 

    Believe it or not, but most celebrities workout almost every day. Cher, for example, has admitted to working out five days a week since childhood. It’s the only way that will make you feel better about yourself, lose weight quickly, and enjoy a superstar body shape in no time. Fitness experts at the PhenGold blog explain how each individual requires different exercising techniques and methods to help them stay fit. Motivate yourself to commit to the gym or attend CrossFit classes a few times a week and you’ll notice the difference.  If you’re not the gym enthusiast, that’s ok because there are plenty of other exercise classes that you can attend that will give you the same results if not better in a short period.

    They Avoid Unhealthy Habits 

    Jennifer Lopez doesn’t smoke, drink, or stay up late because it affects her skin and overall health. Many other celebrities avoid giving up their cravings unless they’re at a professional event or a gathering. Celebrities don’t usually starve themselves or feel tortured because they can’t have some candy whenever they want. Many of them do eat junk food and sugar, but they try to do it with mindfulness. They try to keep track of what they eat when they eat it, and the amounts they consume. If you try to only eat carbs and sweets early during the day or just once a week, you will be able to notice a tremendous shift in your body in no time. Moreover, you have to remember not to get obsessed with the scale to avoid stress and guilty trips to the supermarket. 

    There are many things that you can learn from celebrities. From meditation to workout regimens, there’s nothing that can help you discover new ways to maintain a healthy lifestyle like following the steps of those who are famous. They have plenty of time and resources to discover new ways to become happier and keep fit without putting too much effort or wasting a lot of time. Remember, a celebrity will have to lose and gain weight fast and change their routines drastically to prepare for different roles and events. Listen to what they have to say, you will not regret it. 

  • Editors Favourite Products: Shop Our December Picks

    Back when the FLARE team shared an IRL office space (RIP to my abandoned aloe plant…), my mornings looked a little something like this: rush to get up the elevators in time for our 8:30 a.m. daily meeting (for which, I admittedly showed up to at approx. 8:32 most days), hit the button on my Nespresso machine, roll my chair over to our meeting table and start discussing the trending news items of past 24 hours with my brilliant colleagues. We’d assign a new story or two, check in on the status of our scheduled posts for the day and then invariably our attention would turn to what new outfit, eyeliner or gadget one of us was debuting.

    Since WFH became our new reality, there’s been less opportunity to share sale scores and new obsessions. For one, most of us put a hard stop on unnecessary shopping; and furthermore, we found ourselves wearing sweatsuits much of the week. But now that we’re settling into our “new normal” (and we’re opening up our wallets again) we decided to take our conversation online—like everything else right now—and a new series was born. In FLARE Faves, we’re sharing our top fashion, beauty and home buys from the past month.

    Read this next: 2020 Fashion Trends We Are Ready to Say Buh-Bye to

    Here, the best things we bought or were gifted in December.

    Elham’s picks

    Best snow boots

    editors favourite products: best snow boots

    Palmroth Ankle Boot with Front Zipper, $130 (regular $348), brownsshoes.com

    It’s been a pretty mild winter so far but I’m always cold no matter what the temperature is (and according to my doctor I’m not anemic, so what gives?). My old fall boots just don’t cut it for me anymore, but luckily I snagged these warmer boots on mega sale. This Palmroth pair has the softest wool inner lining that keeps my forever-frigid toes happy, and they’re super comfortable too. Plus, the silhouette is lovely with the soft exterior suede and thick tread on the sole, overall making for my perfect winter shoe.

    Best lip balm

    editors favourite products: Jack Black lip balm

    Jack Black Moisture Therapy Lip Balm SPF 25 in Black Tea, $11 sephora.com

    I’ve tried so many different lip balms in my life, and I thought I figured out the perfect lip moisturizing routine that works for me (applying lip balm before bed, after showering, and each time I head outside), but my newest concern has been balms that are too minty and burn my eyes when I wear my mask. So I’ve recently switched back to this old faithful and haven’t had any issues since. Definitely one of my holy grail products.

    Best diffuser blend

    editors favourite products: Saje diffuser blend

    Saje Liquid Sunshine, $18 saje.com

    One of the things that’s helped me immensely in dealing with the negative aspects of quarantine is trying to “re-learn” my space at home. It’s not a lot of space to begin with, so introducing New Things isn’t necessarily the best option for keeping it uncluttered. But adding sensory elements like this citrus-y diffuser blend helps me bring moments of peace in some otherwise semi-chaotic days, and sometimes a simple uplifting moment like that is all I need. —Elham Numan, graphic designer

    Katherine’s picks

    Best lounge set

    editors favourite products: Dynamite lounge set

    Dynamite Luca Puff Sleeve V-Neck Sweater, $45, and Sauve Wide Leg Pant $60, in Stone Blue, dynamiteclothing.com

    This is honestly one of my favourite finds of 2020, and the best and easiest WFH ‘fit ever. The sweater is just stylish enough to look like you’ve made an effort for your work Zoom calls, but also *so* comfortable. I’ve worn this to work from home in, to run to the grocery store in and for a virtual holiday party—it really is just super versatile! Plus, anyone can rock it. My mom just placed an order for a matching set of her own!

    Read this next: The Biggest Celebrity Hair Transformations of 2020

    Best mascara

    editors favourite products: Glossier mascara

    Glossier Lash Slick, $20, glossier.com

    A tried and true favourite for many people, I’m a new convert to the Glossier mascara family, and am truly obsessed with their Lash Slick. As someone who unfortunately has a penchant for lumping my eyelashes together (taking a cue from the spider eyelashes found on ladies from The Bachelor), the lash slick is a saviour, easily separating my eyelashes while giving me tons of length. I honestly can’t believe these are my IRL eyelashes!

    Best wireless headphones

    editors favourite products: Apple headphones

    Apple AirPods Max, $779, apple.com

    I’m always an Apple product skeptic. As in, I can’t believe that a product is actually *as* good and life-changing as people hype them up to be. And every time I doubt them, I’m proven wrong. So it goes with the brand’s latest launch, the Apple AirPods Max. These are definitely a luxury purchase (I was gifted this pair), but if you’re in the market for a great set of headphones (for work, gaming or personal use), and have a bit of extra cash to spend, you need a pair of these. They’re surprisingly light weight, have amazing sound quality (seriously, listen to Bon Iver’s “Hey Ma!,” you won’t regret it), and cute as heck. My pair is pink, and when I tell you I feel like the chicest DJ while bopping around to the new Taylor Swift album in my room…I’m not lying. —Katherine Singh, assistant editor

    Jenn’s picks

    Best throwback sweatshirt

    editors favourite products: Club Monaco sweatshirt

    Club Monaco Crest Sweatshirt, $129.50, clubmonaco.ca

    My loungewear collection has never been more robust (I basically could have created an advent calendar with a new pair of leggings or sweats for every day in December) and I don’t intend to stop wearing my cozies anytime soon. That said, in 2021 I’m planning on reserving my ~fanciest~ athleisure for work from home days and only reaching for my truly ratty retired workout leggings for weekend cleaning sprees. This crisp Club Monaco logo sweatshirt, part of the brand’s beloved limited-edition collection of retro-feeling styles featuring the Club Monaco crest, is ideal for a day of editing and Zoom calls. Come for the varsity vibes, stay for the soft, lived-in feeling cotton.

    Best overnight skin treatment

    editors favourite products: Skinceuticals overnight

    SkinCeuticals Glycolic Brightening Renew Overnight, $110, skinceuticals.ca

    Don’t you just love when you can really see results from your skincare?! I can always count on science-backed brands like SkinCeuticals to get the job done. This glycolic and phytic acid night treatment promotes skin’s cellular turnover leaving your mug positively gleaming, and with an improved texture and more even tone, after regular use. The texture is lovely, too; more substantial than a day cream but not quite as thick as most overnight face creams and with just a hint of bounce. After using it nightly for about two weeks, I began detecting noticeably smoother, glowier skin in the morning.

    Read this next: It’s Probably Time for a Neck Skincare Routine

    Best steamer

    editors favourite products: Rowenta steamer

    Rowenta X-Cel Steam Pocket, $80, thebay.com

    In my version of hell, I’ll be forced to battle an old, squeaky ironing board and piping hot clothing iron until the end of time. (Is there a more sinister appliance than a red hot iron, just taunting you to trip on its menacing cord?!) This handheld gadget makes the traditional de-wrinkling duo seem positively archaic, while relegating bulky full-size steamers, the likes of which you might find backstage at a fashion show or in the dressing room of a boutique, look like actual torture devices. (Do not ask me how many times I burned myself on the evil steam while smoothing clothes at my university retail job, I absolutely lost count.) This cutie is lightweight and super compact, with its collapsible head making it even easier to stow—or pack, when we can travel safely. It uses very little water so you don’t have to refill it every time you want to steam a garment, and it heats up in 15 seconds. The efficiency! Timely bonus: hot steam sanitizes as it combats wrinkles, attacking bacteria, mites, odours, pollen and other allergens. —Jennifer Berry, managing editor

    Charlotte’s picks

    Best everyday earrings

    editors favourite products: Jenny Bird earrings

    Jenny Bird Toni Chubby Hinge Hoop Earrings in Gold, $110, nordstrom.ca

    It took several months, but I think I’ve finally figured out the staples in my pandemic wardrobe, and key among them are a pair of earrings that are bold enough to actually show up on a Zoom call, but not so heavy, dangly or otherwise cumbersome that I have to take them off for a lunchtime workout. These chubby gold-plated hoops from Canadian jeweller Jenny Bird are exactly that—the kind of goes-with-everything accessory that is still unique enough to garner a compliment or two every time I wear them (which nowadays is pretty much daily!). They’re statement-making enough on their own, but on days when I’m feeling fancy I’ll pop them in my second holes and layer them up with other gold earrings, and maybe even throw on a gold necklace if I’m going *all out*.

    Best hot brush

    editors favourite products: Revlon Hot Brush

    Revlon Salon One-Step Hair Dryer and Volumizer, $70, canadiantire.ca

    Blame it on TikTok: I could not resist trying the hot tool that has taken over my social media feeds for the past several months. After an IRL friend bought this hair dryer brush and confirmed it is as good as its hype, I was sold. At $70 it beats many of the pricer hair gadgets I’ve tested over the past year, both in terms of its ease of use (it’s all one piece—no interchangeable brush heads or charging nests to fumble with) and getting the job done; that is, smoothing my colour-damaged waves into a shiny actually healthy-looking lob. I’ve been using this on its own and as a first step before creating bends with a curling iron, and it’s noticeably shaved minutes off my morning routine. She’s a keeper!

    Best calendar

    editors favourite products: New Day calendar

    New Day Calendar, $40, newdayproject.ca

    It’s been a while since I purchased an actual wall calendar. Honestly, the last time may have been from the Scholastic book fair in grade school (best day ever, am I right??) and it came with a matching bookmark and door hanger. This calendar—a collaboration from Toronto-based photographers (and former FLARE collaborators!) Saty + Pratha and floral designer Coyote Flowers—is decidedly more sophisticated, not to mention chic as hell. In fact, I’d categorize it as wall ART, especially since the monthly prints can be saved and framed after their time marking your important dates. But the best part of this project is that the artists are donating every dollar from sales to Red Door, a shelter and crisis centre in Toronto that is working to break the cycle of family homelessness. Wins all around. —Charlotte Herrold, editor-in-chief

  • Iceberg RTW Fall 2021 – WWD

    Iceberg’s creative director James Long characterized his style as always having had “a kind of informal luxury edge.”

    For his fall 2021 collection for men and women he mixed “the London eccentricity and angst of the 1990s Brit Pop, the English subculture, underground rap and acid rock scenes” with Italian lifestyle. “This makes more sense than ever at the moment,” according to Long, who has been spending much more time in Italy, given the travel restrictions. One example was a sleek camel coat worn over a casual hoody and drawstring pants.

    The collection had an ath-leisure wear vibe, but there were also wool check tailored pantsuits with a late 1990s feel that seemed current again. For women, Long swapped loose pants with a knee-length skirt. That decade’s rap culture was referred via utilitarian closures and zips.

    The color palette swung from muted primrose, egg-shell and grays to acid pink. The silhouettes were loose and the quilting on coats had a a 3D effect. Long also spelled out “Fresh” on the front of sweaters, and indeed the collection did look fresh and young.

    Nodding to Iceberg’s storied links to pop culture, Peanuts characters Snoopy and Woodstock added a fun touch to ribbed-collared and oversize sweaters. “I went for the most obvious cartoon,” said Long. The designer knows knitwear has long been a core category for Iceberg and he admitted he and his team “fell back on our favorite things, showing them in a different way.”

  • How to Find a Celebrity’s Net Worth ⋆ Trendybloggers

    Sometimes we’re just curious and other times, we need to know for personal reasons. However, being able to find someone’s net worth isn’t always the easiest. This is even more complicated when that person is a celebrity. That’s because a celebrity has a well-known list of assets and very minimal privacy, whereas the public doesn’t always disclose these details publicly. (Image Credit: Gerd Altmann/Pixabay)

    There are currently hundreds of websites online that share different numbers, which serves to confuse the public further. After all, how can so many sources have such different estimates of a celebrity’s worth? The truth is most websites use a calculated algorithm and estimate the final number in a ballpark area. That’s right, most numerical figures associated with celebrity net worth are rough estimates.

    That means that although they may not be far off from the individual’s actual worth, they attempt to figure out a number based on public information, instead of financial resources like bank statements and investment portfolios. They assume rounded figures like property values and sole ownership of assets. This may not always be the case when it comes to monetary determinations.

    But, if you want to know how to determine net worth, here’s a few ways you can do that:

    Calculating net worth relies upon a simply formula of assets and liabilities. Assets are things you own. Liabilities are things you own money on. Typically, you would subtract the total liabilities from the total assets and take the number from that.

    Vehicle, Aircraft, and Watercraft Registrations

    When determining a celebrity’s worth, they are going to look at multiple factors when coming up with the number. First, they’re going to look at vehicle and watercraft registrations. All motor vehicle registrations are going to be registered in the celebrity’s name and will give the year, make, and model of the vehicle.

    From there, a quick resell value will provide an asset value for those cars. The same is true with watercraft registrations. The celebrity’s state of residence registers all watercraft. However, large vessels may need registering with the US Coast Guard. All aircraft need to be registered with the FAA (Federal Aviation Administration).

    Property Values

    A private piece of land, house, trailer or vacation home registered to the celebrity counts as property. Background checks provide all properties registered to the individual. From there, property values can be assigned to the location and resell value. These also count toward the assets.

    Stocks, Bonds, Mutual Funds

    Stocks, bonds and mutual funds are assets for the individual. They would figure into the calculation of the net worth.  Although some of this information is going to remain private, if the celebrity owns a company, access to this information is normally sourced through financial disclosure.

    Evaluating Divorce Proceedings

    Not every divorce is public domain. However, for celebrities, litigation may cause disclosure of monetary figures. Florida, California, and Connecticut are all states that make information publicly available. Typically, divorce proceedings have assets, like bank holdings, retirement funds, properties, and any collections listed.  The determination of celebrity net worth includes this information.

    Liabilities

    Money owed to other institutions, organizations or individuals are liabilities. As such, bank loans, credit debt, mortgages and support orders are factors in the determination of net worth.

    An example of liability is a $50,000 credit card debt. To calculate net worth, subtract that amount from the total list of assets owned. If a person has an asset value of $100,000 in this situation, the total net worth would be $50,000 (subtracting $50,000 from $100,000)

    Making General Assumptions

    Many websites extrapolate the income of a celebrity from a movie or album. They use that information to make a rough estimate of their overall net worth. Most of these numbers are inflated. Therefore, searchers find an inaccurate value instead of factual representation.

    Unfortunately, the only way to know an accurate representation of financial worth is to enter in the current numbers with an accountant. That is, of course, not achievable with a celebrity. After all, very few celebrities want their personal information disclosed. As such, it is better to treat numbers sourced online as merely a guide.

  • What Is Afterpay Canada and Should I Use It to Shop Online?

    Ariana Grande said it best when she crooned “I see it, I like it, I want it, I got it” in her hit 2019 song “7 Rings.” While Grande was talking about her own spending habits (and the fact that, as a millionaire, she can effectively buy whatever the heck she wants without a second thought), the mentality can similarly be applied to the spending habits—or at least shopping mentality—of even non-superstars. Because for many people, buying things is super fun! But not *as* fun? Budgeting or thinking about the money needed to save up and buy said things. Which is where Afterpay comes in. The popular online installment payment program—which launched in Australia in 2014 and has been running in the U.K., New Zealand and the U.S. for the last few years—officially launched in Canada in August 2020, allowing Canadian consumers to pay for purchases from brands like Aritzia, Mary Young and Roots in four installments. (Translation: You can receive those über coveted Aritzia Melina pants ASAP, without having to pay for them in full upfront.) It’s a payment program that leans *heavily* into the idea of instant gratification and seems almost too good to be true, but how *exactly* does it work? And also, seriously, what’s the catch?

    Here, everything you need to know about Afterpay and installment programs like it including whether or not they are, in fact, too good to be true.

    So, what exactly *is* Afterpay and how does it work?

    If you’re a frequent online shopper, chances are that you’ve come across Afterpay in some capacity while perusing Reformation late at night. (The company *does* currently work with over 64,000 retailers globally, according to Afterpay, which is no small number.) Afterpay is an installment payment plan that breaks down the price of a product into multiple smaller, interest-free installments. So for example, if a product is $100, with Afterpay, a consumer would pay $25 right away, and then $25 every two weeks for the next six weeks (so four payments in total). The best part? Your item ships out immediately, meaning that you don’t have to wait until you’ve completed payments to rock your latest purchase.

    With Afterpay (as well as a few other options like PayBright, QuadPay and Sezzle), consumers can choose to use either their debit or credit card to make purchases. Afterpay encourages using debit to ensure that payments come from your bank account as opposed to racking up on a credit card, which can potentially lead to debt. “Our model is really to avoid overspending and to avoid getting into debt,” says Melissa Davis, Afterpay’s head of North America. “So we never charge any interest or any additional fees above and beyond the price of the product, which is very different than some of our competitors that do have products that charge the customers significant financing charges.” With no need for credit checks or for consumers to provide their social security numbers, “it’s really making sure that the consumers are not getting into any kind of revolving debt and [are] able to just pay off their debit card [with] funds that they currently have available,” she continues. “Our model is very simple and unique, but it’s what makes the customer love and loyalty so strong because when you see Afterpay, you always know exactly what product you’re going to get.”

    Read this next: How to Bring Up Finances on a Date Without Killing the Mood

    Why does it seem like payment plans like Afterpay are suddenly everywhere?

    And it’s a product that’s seemingly in high demand. While Afterpay launched in Canada in August 2020, it’s far from the only installment payment plan available to Canadians, who can also shop using services like PayBright, Sezzle, QuadPay, Splitit and Affirm. And globally, there’s a demand for these types of services. According to Davis, Afterpay alone currently caters to more than 11 million consumers worldwide, many of which are millennials.

    So, why are millennials drawn to these payment plans? One big reason appears to be that the generation is (rightfully) afraid of going into debt. “There is a big fear of getting into debt and a revolving line of debt,” Davis says of the younger generations. In fact, it’s something we’ve seen proven; a 2019 survey from Credible found that American millennials were more scared of credit card debt than dying.

    In addition to this fear, Davis says that gen Z and millennial folks are just more financially responsible when it comes to debt. Perhaps influenced by the amount of credit card debt people faced after the 2008 financial crisis, “they aren’t opening credit cards, they aren’t paying for things beyond their means,” she says. “They are looking to things like Afterpay to be able to better budget out their purchases, and to understand where their money is going and have a better flow of funds.”

    There’s a bonus for retailers, too. According to Davis, many retailers who partner with Afterpay have seen increases in average order value as well as new customer acquisition, meaning people are spending *more* money on these brands and that brands are gaining more new customers, thanks in part to Afterpay’s own site. “One of the many benefits that we provide is actually sending traffic to our retailers from the consumer base that we already have and the network that we already have,” she says. Current Afterpay customers—happy with the service and their ability to spread out payments without incurring interest—often use the company’s site directory to see what other brands they can shop in a similar way. “So it’s a huge source of new traffic and new referrals to our retail partners.”

    In a November 2020 CBC article, Kyle Houseman, the president of Vancouver-based brand Native Shoes, said that while only 5% of the company’s customers used Afterpay at that time, those that did tended to spend more money. “Naturally, when you are going to spend a hundred dollars on an item today and you’ll only have to pay $25, [now] you can buy both the dress and the shoes,” Davis explains of this method. “And so people feel great about their purchase and they’re only spending $50 today.”

    Read this next: The Cost of Breaking Up

    What happens if I don’t make a payment on time?

    Now, for the big question: What happens if I miss a payment? Well, it depends on which service you’re going with. For service provider Klarna (which is only available outside of Canada and allows users to pay with both credit and debit cards), failing to meet your payment deadlines *could* affect your credit score, depending on which country you’re in, with the company admitting that U.K. accounts that aren’t paid within a few months can be passed along to debt collection agencies. In the United States, debit card users who fail to have sufficient funds available in their bank account—thus preventing Klarna from being able to withdraw the required amount—could incur late fees and the eventual dismissal of their account from the app. Yikes. But with others services, such as Afterpay Canada and PayBright, there’s no interest or additional charges if you miss a payment. “Everything is automatically debited from the user’s card,” Davis says. With 90% of Afterpay’s users using their debit cards, “if a user is late on a payment, they’re actually not allowed to use the platform until their repayment is made.” (The same goes for those who use credit cards as their form of payment.)

    Davis says this incentivizes users *to* actually make their payments, by ensuring they have enough funds in their bank account to be withdrawn or enough credit available on their credit cards, because they want to continue using the service. (If you’re wondering what happens to retailers if you miss a payment, Afterpay assumes all responsibility, acting as an intermediary between the retailer and customer, and paying the retailer directly for the product on the assumption they’ll be paid back by the customer. But FYI, Afterpay charges its retailers between 4% to 6% on each purchase, which is a much steeper charge than credit card companies).

    It *is* important to note that while Canadians using the service won’t have to contend with late fees, the company’s U.S. counterpart does list late fees in its terms of agreement. Per Chatelaine, American users are given a 10-day grace period, after which Afterpay U.S. can charge up to 25% of the original purchase price in late fees. (FYI, Clearpay is the company’s U.K. counterpart).

    What do financial experts think of Afterpay?

    Does this mean you should only shop Afterpay? Not so fast. While millennial money expert Jessica Moorhouse understands the convenience factor of services like Afterpay, she’s not entirely sold on the program. “It almost scares me because already as online consumers, we’re so unconscious of our spending,” Moorhouse says of the service. While some people may know exactly what’s in their digital shopping cart, pondering a purchase for days before making the decision to hit “Pay Now,” that’s not the case for many. “A lot of times when we buy things online or in person, we immediately forget how much actually we spent,” she says. And a “buy now, pay later” option may only increase that lack of awareness, prompting people who may not have the necessary funds to buy an item they want without really thinking it through. “If Afterpay didn’t exist, maybe you would take a step back and consider whether you should buy that or not,” Moorhouse says. “Maybe you can’t afford it right now, so maybe you should not buy this right now and wait until you actually have all the funds in your account… but with options like Afterpay, more people will think, ‘Oh, whatever, I’ll just do it.’”

    And while paying off your purchase in a six-week time frame may sound great in theory, as Moorhouse points out, *a lot* can happen in that span of time (especially during a pandemic). “Six weeks is such a short window,” she says. “If you don’t have the money to buy whatever item it is now, are you sure you’re going to have the money in six weeks? Most likely not. A lot can happen in six weeks. You can lose your job.” Not to mention the fact that these installment programs put the onus on the consumer to decide whether or not to use credit or debit when purchasing, meaning there’s still the chance that they can rack up extra fees or debt with select payment programs should they be unable to re-pay the amount (for example, Sezzle charges fees if you fail to make a payment or move the payment date more than two times).

    For Moorhouse, services like Afterpay feel like a justification to make purchases people know they should delay and save up for in advance. “It doesn’t make any sense to have a payment program set up with Sephora,” she says. (Paybright does, FYI.) “Those [products] aren’t essential. So just take a minute and wait, save up  with a few paycheques and then buy whatever you need to buy.”

    Read this next: 3 Millennial Money Pros Answer Your Most Taxing Tax Questions

    What are some tips for saving if I don’t want to use Afterpay?

    For those who are still looking to do some damage when it comes to shopping, but aren’t quite ready to try an installment payment plan, Moorhouse has some tips for saving up. “Try your best to practice conscious consumption [and] be more mindful with where your money’s going,” she advises. “Part of that is taking the time to make a budget.” Moorhouse recommends using spreadsheets to help (she has some available on her website, free of charge), outlining how much you’re earning and how much you’re actually spending. “Take a look at your spending for the past three months to see really, where is your money going,” she says. “That may be a good indicator to see ‘do I have a spending problem?’ or to figure out, ‘maybe I should kind of cool it down, because I’m realizing that I’m actually spending almost as much as I’m earning, which isn’t really helping me progress with saving and investing for my future.’”

    In addition to this, Moorhouse recommends setting up a special savings account for expenses that aren’t monthly (like clothes shopping and haircuts, to name a few). “Consider it like a savings goal and you nickname your savings account ‘shopping,’ for when you do need to get new outfit or go to Sephora. And then every paycheque, make sure to put a percentage of that paycheque into that savings account.” Depending on your budget and what you earn, you can decide how much you’d like to put into your special fund every month. “And then you let that grow, grow, grow,” she says. This way, next time there *is* a sale at Sephora, you have the money saved up to spend.”There’s nothing wrong with spending, but [it’s important to] be mindful of where your money’s going and save that money up in advance so that you don’t get yourself into debt. So you can feel good about spending that money on yourself.”

  • For Fall 2021, Fendi Embraces Upbeat, Colorful Elegance – WWD

    Life is not monochromatic, and neither was Silvia Venturini Fendi’s take on men’s wear. At Fendi, if summer came with a languid and romantic mood, fall brought a new vibe – upbeat, energetic and optimistic.

    While she couldn’t host a physical runway show due to the pandemic, Venturini Fendi decided to fully embrace the digital format for fall, asking contemporary artist Nico Vascellari to direct a video featuring models whisking across a room filled with neon door frames. The flashing lights – and a soundtrack melding electronic beats and snippets of the designer speaking – set a fast, hypnotic rhythm. Conceived with a mobile-first mentality, the video felt immediate and punchy.

    The value of normality, the search for positivity, and the need for comfort in durable, timeless luxury pieces were the main ideas that Venturini Fendi felt like exploring with her beautiful lineup.

    Pajamas inspired the piping on suits and puffy silk padded jackets, as well as the silk pants printed with the same mini dots Fendi used for packaging in the Sixties. Equally cozy were the textured knits, spanning from sweaters featuring inlaid scarves and gloves, to ribbed cashmere overalls matching the sweaters underneath.

    Reversible shearling duffle coats, as well as trench coats and shirt jackets, all worked in neutrals, exuded timeless masculine elegance. These paraded beside bold monochromatic outfits in orange, yellow, blue, green and pink: padded baggy shorts and anoraks with oblique quilting, and cloud-like puffers cut in the shape of robe coats. In the middle of the lightning-fast show came a group of black outfits splashed with a multicolor print developed by British artist Noel Fielding, who drew naif tangles of colorful threads. They seemed to symbolize the complexity and confusion of these unsettling times, but they left an impression of brightness and hope.

    Venturini Fendi wants to live a life in Technicolor.

  • How the Rich and Famous Deal with Harassment ⋆ Trendybloggers

    Celebrities deal with harassment all the time. Given their popularity, many people see them as their idols. This can lead some to go to extremes and uncomfortable lengths to reach them. The rich and famous also deal with other popular figures that can be a source of harassment as the worldwide movement MeToo has shown.

    Harassment includes different types of discriminatory acts and physical assault such as sexual, verbal, and visual harassment. There are different ways that celebrities deal with harassment. And now movements around the world are fighting against it through a myriad of mediums. Here is how the rich and famous today protect themselves from harassment.  (Image Credit: by Markus Winkler/Pixabay)

    Hire Body Guards

    Numerous celebrities have received death threats and experienced stalking cases from their fans or haters throughout the years. For security, many hire bodyguards to stay with them at all times or to stand near where they reside. It can be very difficult for these popular figures to go about their daily lives, especially if they feel threatened. In these cases, hiring a bodyguard becomes a must. Other ways include installing security cameras on the off chance that intruders lurk around their homes. These are watched by guards which can help fend them off. This is especially useful if the lurkers are paparazzi.

    Speak To The Public

    One of the things that many celebrities say they are grateful for is their direct communication with the mass public. When celebrities are harassed, they can either make a statement to the press, go on interviews to talk about their experience or speak directly on social media. Nowadays, famous personas are able to go live on social media platforms Facebook and Instagram to talk directly to the public and inform them how they have become uncomfortable with the way they have been spoken to.

    Create Harassment Seminars

    Depending on the occupation of the popular figure, they can sometimes create harassment seminars addressing the issue. Some include famous CEOs of substantial enterprises such as Jeff Bezos and Mark Zuckerberg. When a CEO receives notice of someone who was harassed in the workplace, a seminar is conducted to create an understanding of what is deemed as harassment. Many businesses create these seminars to avoid any conflict. Moreover, they hold any employee liable if they do not follow the rules and regulations.

    Hire Lawyers

    In some more extreme cases, lawyers must be involved to file a harassment claim. The rich and famous themselves have been accused of harassment in the workplace themselves. One of the most famous harassment cases against a celebrity was Harvey Weinstein which triggered the worldwide movement MeToo. In this case, the accuser and the accused both hire either a prosecutor or a defense attorney. These cases can go on for years, but some of them prompt other victims to speak up as well.

    Seek Therapy

    One way to deal with the effect that harassment has on a person’s self-worth either for the rich and famous or for a common citizen is to seek therapy. Harassment is difficult to handle and talking it out can be helpful to most victims. In one of her speeches, Michelle Obama has stated that “asking for help is always a sign of strength,” and many have followed in her path. Celebrities go through a lot with their busy and hectic lifestyles, so with the added pressure of harassment, this could really take a toll on their health. Seeking help from a therapist or psychiatrist is one of the ways that anyone can do to deal with traumatic experiences.

    Quit Social Media

    One of the most common ways celebrities have said they deal with verbal harassment is by quitting social media. In fact, cyberbullying and online harassment have seen an immeasurable rise over the past few years, and one of the biggest targets are celebrities. Given that they usually have public profiles for people to comment on and send messages to, it has become quite easy to write extremely rude comments. This occurs to all the rich and famous individuals who have social media as they usually have haters or fans who go to the extreme to get their icon’s attention.

    The rich and famous are not different from people who lead lives under the radar. Many people are now being harassed for their looks, ethnicity, and statements. Harassment at work for celebrities is very common as well, and there are many ways they can handle it. Most celebrities, especially singers, have managers they can seek help from. Yet, when the case is too extreme,  speaking to the public is very effective as people can then see the effect harassment has on society and can work towards putting an end to this behavior.

  • 7 Best Appliances 2021 Our Editors Love

    It might be “2020 with bangs” but that doesn’t mean we can’t improve our cooking, WFH and cleaning experiences

    Remember when we were all like “2021 will be our year”? LOL. We’re only halfway through January and while the pandemic raging on and recent violent insurrection at the U.S. Capitol makes it feel like the world is fully aflame, I swear it’s not all doom and gloom. There are COVID-19 vaccines to be hopeful about, a brand-new president (and WOC vice-president!) about to take office and, if you squint, you can see that spring isn’t so far away. Something else I’ve found that helps ward off the apocalyptic scaries? Focusing on what I *can* control since so many things are out of our hands right now. I, for one, have decided that 2021 is the year I stop fighting with my dusty old canister vacuum and let an actual robot do the job I loathe so much. (Seriously.)

    Read this next: 7 Items That Will Majorly Improve Your Home Office

    Because let’s face it: This year might just be 2020 with bangs, but that doesn’t mean we have to accept the status quo. There are ways to majorly level up your life since it looks like we’re going to be here awhile. Here’s how team FLARE is upgrading our home lives this year, in the kitchen, home office and beyond.