If you chose to wear a belt, it is important not only where you wear the belt on your body shape, but how it looks on the garment itself. If you do not have a true waistline and have an apple shape, then wearing a belt higher or lower will distract from a thick middle. If you are fortunate to have a pear shaped body and have a real waist, then you can certainly wear your belt on the true waist of a dress or tunic.
Some of the current dresses for sale come with a tie belt and need a flair for styling. But even if you wear a simple thin to medium leather or fabric belt, you can still accomplish cute loops! Another site to check out for a video on typing these loops is: http://www.fashionrolla.com/2012/04/tutorial-12-awesome-ways-to-knot-belt.html
Have fun Spring 2016!