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15 Summer Beauty Tips

We’re in the second week of summer in the northern hemisphere, so how about 15 tips to keep you at full head-to-toe glam for the entire season.

  1. Shades are more than just glam wear. They protect your vision because your eyes, like your skin, is sensitive to UV rays. So go ahead and splurge on some new ones; it’s for your health.
  2. Get a  stylish hat or visor for added sun protection.
  3. If you have a fair complexion, during the wear-less season, hide pale skin with a fake tan. While it may be tempting to get a real tan catching some summer rays at the beach or poolside, remember the skin damage it can cause. That damage is cumulative and can end up costing you dearly later.
    Before you apply the self-tanner, make sure to use an exfoliating scrub and shave for more even results. Apply sparingly to elbows, knees, ankles & around your hairline to avoid dark patches. After it’s on don’t forget to wash your hands with lukewarm, soapy water to avoid any tell-tale orange palms.
  4. Switch to a mattifying gel-based facial cleanser to keep oil-prone areas in check. Follow up cleansing with a salicylic acid-based toner to unclog pores and also help with oil absorption.
  5. YRT (year-round tip): Continue to use moisturizer despite the humid weather. Your skin needs hydration year-round to stay healthy and skipping moisturizer might lead your skin to overproduce the very oil we helped you get a handle on in the last tip.
  6. YRT:  Use sunblock with at least an SPF of 15. As was stated earlier, every second of sun exposure adds up even on those cloudy days when you can’t see the sun. It’s still up there so wear sunblock every day, even once summer ends.

  7. If you’re going to be outside most of the day taking advantage of every possible moment of the summer, don’t forget to reapply sunscreen every two hours. Reapply it more often if you’re being extremely active (hiking or exercising) or at high altitudes, where the sun is stronger.
  8. Pre-hike, or any outdoor activity in the humid southern USA, dust your skin with cornstarch powder to help stay dry. Try using a scented powder to save a step of applying a fragrance and get to the fun quicker.

  9. Smooth flaky, chapped lips by using MK Satin Lips Lip Mask. Remove mask by gently rubbing a warm wet washcloth over your lips.
  10. Keep your lips looking luscious in the summer heat with great lip color that comes with SPF 15. Your lips have some of the thinnest most fragile skin on your body so you definitely don’t want to forget to protect them from the sun.

  11. The best shape for nails is round during the summer when you’ll be more active. Also give your nails a break from polish for a few days at a time to keep them healthy.
  12. When you are wearing polish, go for strong, jewel-tones or neon brights. Prevent your polish from turning yellow & chipping with a UV-protective top coat.
  13. Keep a pumice stone or foot file in the shower to smooth dry, rough feet. We have found a pumice stone is more effective than a foot file in terms of it’s sandal-worthy effect on feet and the life span of the stone. Just be sure to rinse and dry it thoroughly after each use.
  14. At the end of a long day out and about, soak hot, stinky feet in a big bowl of water and citrus fruit slices. If you know you’re prone to smelly feet, start the day by using some antiperspirant or a deodorizing spray on your feet.
  15. Hot weather intensifies fragrances so switch to a lighter, more airy scent that way your scent doesn’t overpower you or someone else in the summer heat. And don’t forget your body-cleansing towelettes and purse spray to freshen up on the go.

What beauty tips do you swear by during the summer?

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Money Mistakes to Avoid – 1

If you’re over the age of 18 it’s likely you’ve made some mistakes with your money. Even I have made some because let’s face it no one is perfect. So we’re starting a new series on the money mistakes you want to avoid if you haven’t made them yet.

Mistake #1: Not saving from an early age.

By gringer on Open Clip Art Library. (Created by 'gringer' on Open Clip Art Library.) [Public domain], via Wikimedia Commons

First let me state this mistake is not always our own to claim. I strongly believe that anyone who has a baby should make their first outing into the general public include a trip to your local bank or credit union to open at least a savings account for the child. So if you didn’t have one as a child, this is one time you can rightfully say it is your parents’ fault.

Now I understand some parents become parents unexpectedly and that $25 you need to open an account needs to spent on diapers, formula and all the other necessary baby paraphernalia. That’s when taking it old school and getting a piggy bank to save that spare change will help get you there.

Once you have the account opened for your child, create a regular savings plan. Determine what amount you can reasonably deposit into the account on a regular basis. Then stick to it! The great part about starting this savings plan for your child is that they have a longer amount of time for the money you deposit to grow, no matter how small the amount. I recently had the opportunity to help a business partner grasp compound interest by stating, ‘You’re earning money (interest) on free money (interest)’.

Compound interest Einstein quote
Listen to the genius..

Once you’ve started your child off saving early, it’s important that you include them in the process when they are ready. There’s no set age for this as children all mature differently, but it can be as simple as teaching them what change in your local currency looks like so that when they spot some carelessly discarded on the ground they know to pick it up and put it in that piggy bank you got them earlier. From there you can teach them how to count it, show them how to deposit it in their account, and start helping them to understand how to read their bank statements. So far no complicated math involved.

Oh but there will be some…

But it’s simple Math, something you can use for your own savings no matter when you started and that you can teach your children once they learn how to divide. To get a general idea of how long it would take to double your money simply from interest alone, divide 72 but whatever interest rate their account earns. For example, a savings account earning 1% (one of the highest rates we could find for a savings account btw) would double in 72 years [72/1=72]. Just one more reason it’s important to start saving early.

Of course since you’re adding money to the account it won’t take quite as long to see your money double. But let’s say you want to earn more than 1%. Up until this point we’ve only been looking at regular savings accounts and we haven’t mentioned a specific savings goal. Let’s talk saving for retirement now. Once you have a couple of hundred dollars in that savings account it’s a great idea to go ahead and open a Roth IRA at an early age. That concept of compound interest applies to those accounts also, they can be opened for children, and require relatively low initial deposits, some as low as $100. There are other benefits as listed in this Investopedia article. Talk to your financial professional for more details.

Check back in 2 weeks for another money mistake.

How to Get Out of Debt

Debt: It’s something a lot of households in America have but few like to admit or talk about. But that doesn’t make it go away. Here are some useful tips to get out of debt.

debt-01

First, try to pay more than the minimum monthly amount required on each bill, credit card, or other commitment. Paying only the minimum will result in you spending exorbitant amounts in interest.

Second, concentrate initially on paying the debt that carries the highest interest. Albert Einstein famously said,

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”

Here’s why you want to pay off the highest interest rate first. Every balance that you are charged interest on doubles every so often and your creditor knows this. It’s a little thing called the Rule of 72. Divide 72 by your interest rate and that’s how long it takes for your balance to double. So if you have a credit card with a 29% rate and one with a 14% interest rate, you want to pay off the one that doubles in about 2 years (72 divided by 29) before you worry too much about the one that doubles in 5 years (72 divided by 14).

Third, curb your spending habits. This is especially important but often the hardest thing to do. Check back next week for useful tips on how to manage this last but very important part of getting and staying out of debt.

Artwork by ASP – 12

original characterThis is an original character the aspiring artist intended to share last weekend. She’s currently working on original characters possibly with the intent of creating her own graphic novels.