Regarding your advice on how to wear garter belts, you recommended wearing your panties over your garter belt, but I have seen pictures of girls wearing the garter belts over the panties and not under. Why is it so?
You see photos of girls wearing garter belts over their panties because it looks nicer; it looks sexier.
As a practical matter, wearing your panties over your garters makes it much easier to use the bathroom (or do anything else requiring panty removal). Just slip off your panties and voila, your private parts are free.
If you wear your panties under your garters, first you have to unclasp each garter (that's four or six clasps to undo) and then you can slip off your panties. Also, you will have to reclasp four or six garters after you slip your panties on again.
Do you need advice concerning femulation or other crossdressing-related matters, then e-mail me and I will happily give you my opinion on the matter. My e-mail address is stana-stana at sbcglobal.net.