Last updated at 4:11 PM on 20th May 2011

He's the hot ticket to replace John Galliano at Dior - and is even rumoured to be telling friends of the new post.

But while the French label probably won't announce their new creative director until September, is it coincidence that Riccardo Tisci's designs have been popping up all over the red carpet?

Last night both Naomi Campbell and Courtney Love were pictured in Cannes wearing Givenchy gowns.

All white: Naomi Campbell, left, and Courtney Love both opted for Givenchy at the amfAR party last night and Penelope Cruz wore the label for the UK premier of Pirates of the Caribbean: On Stranger Tides last week

Hot couture: Beyonce wore Givenchy for her video for her single Run The World (Girls), released this week

Beyonce also opted to wear a stunning design for her latest video, released this week.

Both Liv Tyler, who is the face of the
label, and Mary-Kate Olsen wore his dresses to the Met Gala in New York
earlier this month.

The Oscars in February saw Cate Blanchett's unusual Givenchy gown cause a stir just days after Galliano was suspended.

Industry darling: Givenchy designer Riccardo Tisci, second from right, Chanel designer Karl Lagerfeld, left, veteran model Kristen McMenamy, Carine Roitfeld and Courtney last night in Cannes

Fanfare: Mary-Kate Olsen at the Met ball, Natalie Portman at the Independent Spirit Awards in February and Cate Blanchett at the Oscars all show their support in Tisci designs

Natalie Portman, who is the face of
fragrance Miss Dior and was one of the first to speak out against
Galliano following anti-Semitic charges, was also pictured wearing
Tisci's creations in February.

Despite Givenchy maintaining the designer will remain where he is, news emerged earlier this week that Tisci has reportedly confirmed the news to friends.

Fashionista.com editor Laura Sherman wrote:'He's also openly discussing his move to Dior with certain acquaintances.

One to watch: Tisci with Liv Tyler, the face of Givenchy, at the Met ball in New York this month

New turn: Should Tisci take over at Dior, his Gothic designs will see the label go in a different direction

'And while we still don't think the
official Dior announcement will happen until September, we're pretty
sure the deal is sealed.'

Disgraced: John Galliano's trial is due to commence on June 22nd

Either way, Tisci appears to have the backing of Hollywood.

And the good PR is exactly what Dior needs after the scandal surrounding Galliano.

At
the helm of the label for ten years, he was dropped from both his own
label and Dior following the release of video footage showing an anti-Semitic
tirade at a Paris bar in December.

His trial is due to commence on June 22nd.

But just two days before the Oscars and
four days ahead of Paris Fashion Week,Dior announced Galliano's
suspension and eventually the decision to terminate his contract.

Since then, Dior's dresses have been stigmatised on the red carpet - even Kate Moss is reported to have changed her mind after deciding on a Galliano wedding dress.

But since Galliano's exit, the industry has been buzzing over who his replacement will be - Tisci is the name on everybody's lips.

And the ultimate seal of approval?

Even fashion industry king Karl Lagerfeld has his backing.

The Chanel creative director told W magazine: 'Well I’m not a consultant there, but I think Riccardo Tisci would be good, and then Haider Ackermann at Givenchy – not because they are friends of mine, but because they are good.'

Explore more:

People: Naomi Campbell, Mary-Kate Olsen, John Galliano, Courtney Love, Kate Moss, Cate Blanchett, Penelope Cruz, Liv Tyler, Natalie Portman, Karl Lagerfeld Places: New York, Cannes, United Kingdom, Caribbean

Article source: http://www.dailymail.co.uk/femail/article-1389047/As-Givenchys-Riccardo-Tisci-tells-friends-hes-new-Dior-designer--celebrities-ramping-support-red-carpet.html

Off market or non-bank lenders are typically lenders that use alternate sourced funds to lend on mortgages. For example there are a couple of lenders who use the Teachers Pension Fund or OMERS for their mortgages. They are called "Mortgage Backed Security" or "MBS" lenders and they are essential in the market place for keeping rates competitive. I wrote about them in a previous post.

When I consider a MBS lender for a client I have to be very particular. The rules for using this money are a little restrictive especially on the pre approval. Once you have a pre approval there is very little wiggle room to increase the amount or change closing dates once rates increase. To explain what I mean would take all day and frankly you wouldn't read it. You'll have to trust I know what I'm doing.

But here's the thing I don't understand. Most times when I give my clients the option they usually want a well known lender. Typically one of the "big five" with a recognizable logo. It's not that I see anything wrong with that but I'm often curious as to why. I would never talk anyone out of their decision because after all that is why I started Mortgages for Women. I know better! At the end of the day your mortgage needs to be about what you can manage and I guess there is some comfort in knowing your lender is "out there".

Still, I would love to hear your feed back. I've been doing mortgages for over 25 years and I think I'm a little desensitized to what it all means. To me it's all debt and I would never myself shy away from an non-bank lender. I'm looking forward to reading your comments on this. 

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Article source: http://www.northumberlandview.ca/index.php?module=news&func=display&sid=8435

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