General Make up Tips:
Choose your eye make up to fit your lifestyle or the event you are attending. Wear less during the day and a little more for night time. Most people look better in softer, neutral colors, rather than dark, harsh tones. In general, lighter colors make the eyes appear larger, while darker colors can make them look small. Dark colors don’t look good if you have fair skin. Eye shadow comes in both powder and cream formulas. Creams generally give a bolder color than powders. These must be applied carefully to avoid creasing. Apply foundation and powder first and then eye shadow.
Select a foundation that matches your skin tone and is appropriate for your skin type. If you tend to break out, look for oil free, non comedogenic cosmetics. Apply moisturizer before your foundation for a smoother look. Use a sponge and apply foundation in a downward motion from the forehead down to the chin. If you have blemishes or dark circles, apply concealer after the foundation. Brush on loose powder to set. Apply powder using a large brush in the same downward motion.
Choose a blusher that is suited to your skin tone. Choose lighter colors for a fair complexion and darker tones for dark or tanned skin. Place two fingers to the side of your nose. Start your application at the second finger and move up toward the ear line. Smile to show the apples of your cheeks and help with application.
Lipstick should also match your skin tone. Use a lip moisturizer regularly to keep your lips smooth and moist. Apply foundation and powder before lip cosmetics. Line the lips with a pencil and then apply lipstick. Use a lip brush for best coverage. Blot the color with a tissue and re apply for best results.
Mascara is available in a variety of formulas: waterproof, thickening and smudge proof. Choose a color that is appropriate for your skin type. Curl the lashes first and then begin to apply mascara. Look up and apply in an upward motion. Reapply is small amounts to avoid clumping. Don’t pump the brush into the container, as this will break the bristles on the brush and shorten the life of this product.
Caring for Make up Tips:
- Replace your cosmetics as products expire. Blush and powder can be kept for 2 years. Foundation, lipstick and eyeshadow should be replaced every year. Mascara has the shortest shelf life and should be thrown away after 2 months.
- Use brushes and sponges to apply make up. Wash these monthly with warm water and an antibacterial soap. Allow brushes to dry completely before you use them again.
- Store all make up in a cool, dry place.
- Keep cosmetics out of the sunlight and away from excessive heat or moisture.
- Proper care and application is important. This helps you not only look better, but helps prevent the skin from breaking out.
Select high quality make up, especially if you are prone to acne. Natural products that don’t contain a lot of chemicals, dyes and perfumes are best for all skin, but especially acne prone. The ingredients in many cosmetics irritate acne prone skin. Mineral make up is an excellent choice, as it contains no chemicals or any ingredients that can irritate the skin.
Proper skin care is essential. Always remove your make up before going to bed. Wash the skin with a mild cleanser made for your skin type and moisturize the skin. Good skin care can help prevent cosmetics from clogging your pores. If this happens, consider an occasional facial peel to unclog the pores and treat acne. Esthetician’s Choice is an excellent peel. Originally only available through dermatologists or salons, it is now available for home use. Visit www.bestskinpeel.com for more information on this amazing product and to order.
David Maillie is a chemist with over 12 years experience in biochemical research and clynical analysis. He is an alumni of Cornell University and specializes in biochemical synthesis for public, private, and governmental interests. He can be reached at M.D. Wholesale: http://www.bestskinpeel.com
Running out of time?
Did you miss the bounce-back of the stock market in recent years?
It is now almost where it was 5 years ago. Whoopee!
What are the odds of it continuing to go up in the face of 15 consecutive interest rate hikes with more on the way? Remember the old bromide:
When rates are low, stocks will grow
When rates are high, stocks will die!
Can you count on the mercurial market to deliver the kinds of consistent gains you are going to need in the next 5-10 years to salvage the retirement lifestyle you want?
Why not stuff your retirement account with tax free real estate profits!
You did not know you could do that?
Actually, according to the IRS, there are only two things you cannot invest your retirement funds in, collectibles and life insurance!
The trick is to have your IRA or 401(k) transferred to a truly self directed IRA custodian. Your broker may say theirs is self directed.
Ask him how you go about buying a house with it and see what he says. I would advise you to take a step or two back when you pose this question. He may turn violent!
You may object that the bubble has burst for real estate and fortunately, you would be right! Finally properties are being sold for prices where they produce positive cash flow.
The property market is going to head lower, we believe in the coming years. With the cash available in your retirement account, you will be able to drive some good bargains.
If you can get a couple of 2-4 family properties in good locations, they will spew tax free cash right back into your IRA like water hose.
It will not matter if they don’t appreciate or even if the value goes down a bit, like prices did in the late 80’s, early 90’s. They will come back and you will not get hurt if you do not have to sell, and the market value has little to do with the rents.
If you are knowledgeable about real estate, you can buy run down or abandoned property, fix it up and resell it, stuffing the tax free profits into your IRA.
If you are averse to dealing with tenants, and are not into fixers, you can become the bank and finance rehabbers or even retail buyers with first or second mortgages.
What if you do not have that much in your retirement account? You can still get into the real estate game.
You can locate distressed owners of real estate of which there will soon be a bumper crop, and buy their equity in the property at a big discount, taking over their mortgage.
There are many, many sellers that have little equity in their homes due to the spate of cash out refinancings and purchases with little or no money down in recent years.
You can then sell the property for a quick profit.
If you want to keep the property as a rental, you can do so with the help of a land trust. (Ask your real estate broker)
Another, often overlooked real estate play for your IRA is to buy tax liens.
When someone does not pay their real estate taxes, in some states the counties place a lien against the property for the amount of the unpaid taxes.
In other states, the counties foreclose on the property and sell it at auction.
Although you could certainly bid at auction for the seized property with IRA funds, buying the liens of the delinquent home owners is a passive way to enjoy high profits with great security.
You buy the lien from the government, it is secured by the property and it pays from 8-16% interest. Your repayment with interest is assured by the police powers of the government.
If the recalcitrant home owner does not pay off the lien with interest in the requisite amount of time, the government will allow you to seize the house; in effect buying it for the amount of the back taxes! Between 95 and 98% of liens are paid off.
Tax liens are also a great way to amplify the anemic returns available to those already retired and living on fixed incomes.
So if you are looking to catch the last train out to Happy Retirementville, you need to get your retirement funds out of the selfish, sweaty little hands of your stock broker and into some real estate, fast!
Copyright, 2006 Bill Young. Bill is a former mortgage broker and licensed financial planner. He writes and lectures on real estate investment, land trusts, tax liens and using your IRA to invest in real estate. You can learn more at: http://ARealEstateIRA.Com or at http://MotivatedSellersOnline.com
A drill press, also known as a pillar drill, is the stationary form of a hand-held drill. The advantage of the drill-press over the hand drill is the tool’s accuracy and power. A drill press is a very valuable tool with several different types and models of drill presses to choose from. Here are a few things to consider when purchasing your own drill press.
Floor vs. Bench-Top Model
A floor model is set directly on the floor while the bench-top model of a drill press is set on a table top. The floor models are typically better buys with more accessories and attachments and are able to handle larger projects than the bench-top models. The floor model is always a good pick unless you are looking for something that is a bit more compact to save space for a smaller shop.
Multiple Spindle Speeds
If you plan on using your drill press for woodwork and metalwork, it is important that your drill press has several speeds to suit the project you are doing. When working with metal you will want to use lower speeds while wood projects need to be in the medium to high range of speeds. For maximum versatility, look for a drill press that can operate between 500-4,000 RPM (a machine that only reaches to 2,000 is suitable if you will only be using it for drilling and not for other projects).
Horsepower
Just like with a car, you want a power tool that has some power. Greater horsepower allows you to drill larger holes through tougher material. You should look for a machine that has at least HP.
Drill Press Table
Good drill presses have tables that can be raised, lowered, and swiveled 360 degrees around the column of the drill press. This allows greater flexibility with your work.
Depth-Stops
The depth-stop manages the depth of the hole being drilled by controlling how far the quill descends into the material. Depth-Stops are a must for projects with repetitive boring in order to keep consistency. Look for a drill press with the “Easy-to-Stop” drill feature.
Mass
If you have two drill presses that are equal in every aspect except for mass, always go for the heavier one. As with most stationary shop tools there is an advantage with weight. The weight absorbs the vibration from the drill press allowing the machine to run more smoothly.
Useful Accessories
There are some accessories and attachments that can improve the use of your drill press. Something to look for is a drill press clamp. This keeps your material firmly in place while you are working. You should always avoid holding the project by hand when you are working with a drill press. Fences are also useful attachments that help keep the project in position during drilling.
A drill press can be used for a lot more than drilling if you have the right attachments and accessories. These extra uses include sanding, grooving, and mortising. Mortise attachments are very popular, allowing you to drill precise mortises with your drill press.
Ability to Be Serviced
As with all major power tools that are purchased, one should make sure that the tool can be upgraded and serviced. Are there repair parts readily available? It is important that your drill press can be easily serviced when needed.
When making an investment in a drill press, you want to purchase a tool that is suitable for your needs. Do your research and find out what products are available what they have to offer. Make sure to look at the above features of a drill press in order to select one that is right for you.
About the author:
Kaitlin Carruth is a client account specialist with http://www.10xMarketing.com- More Visitors. More Buyers. More Revenue. To learn more about drill presses, please visit
http://www.toolamerica.net/drill-press.html
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