Fall Extension Half
Fall Extension Half Is paying half of a house payment better than NO payment at all? We are falling behind..slowly, but surely, and our bank is not helping. We worked out an extension, but they did...
Fall Extension Half
Is paying half of a house payment better than NO payment at all?
We are falling behind..slowly, but surely, and our bank is not helping. We worked out an extension, but they did not put it in the system and claimed that we were one month late. One month later I went in to pay ONE payment because I could not afford 2 at a time, and the teller swiped my card twice! She claimed that it did not work the first time! Well, but the bank said since I was already one month late they just went ahead and applied the payment to my missed month! Well, it would have been okay if I had the funds in my account for it. I didnt! Our bank account went negative for two weeks, and my husband is deployed, so it has been very stressful.
Next month all I can afford is about half of my payment. I know its not good, but is it better than nothing at all?
In any situation involving credit there are 2 simple rules. Keep in contact with your creditors as much as possible. Let the bank know whats going on and ask them to help you create a payment plan. I work in debt management and I know they will ALWAYS ask you to pay a large amount. Be upfront and honest and let them know what you can and cant afford. Remember that the bank would prefer you keep paying your mortgage, then they can keep charging interest!
Ask the names of the people you speak to when you call them, and if possible ask for a receipt number for the call. Keep a record of your calls, who you spoke to and what about, so they can not claim to have never spoken to you.
Pay as much as you can afford, and catch up when you get on track. Good Luck.
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Fall 2009: Top 5 Makeup Trends 40+
Fall 2009: Top 5 Makeup Trends 40+
August 2009
Dark & Dramatic
Colder temperatures bring out heavier fabrics and more layers in our clothing. We shelve our light and bright summer outfits in exchange for darker, more muted neutrals and cozy sweaters. It follows that, as our clothing becomes heavier, so would our makeup colours switch from barely there bronzed to deeper shades of neutrals. Your look would be out of balance with a ribbed V-neck sweater, tweed menswear-inspired pants, and boots with pale lip gloss, shimmery champagne eye shadow and bronzer for blush. As Fall approaches, go ahead and take some risks with a darker eye shadow and deeper lip colours. Balance your overall look by having your cosmetic colours and clothing in the same “weight”.
Makeup trends on the runway and in magazines are not always appropriate for a woman in her 40’s or more. As I research with the experts for the leading trends, one Fall trend is a “no eyebrow” look: very dark smouldering eye makeup, matte skin, and matte nude lip colour. Can you imagine that combination on yourself?! Two dark, deep eyes with a pasty pale face, and lips that fade into your cheeks. Puh-leeze! Be aware of the source of your makeup trend advice as it may be intended for a much younger audience – like your 18 year old daughter. Rule #1 as you get older is to be discerning as to where you get advice about fashion, hair, and makeup. One such makeup trend is the 80’s, punk rock fashion in neon colours with bold eye and lip colours that scream for attention. I have always taught (and still endorse) that if you were around for it the first time, it is not for you the second time. That doesn’t mean you can’t take one or two cues from the trend, but head-to-toe 80’s is definitely OUT for the 40+ woman. After extensive research, watching the runway fashion shows, and from personal experience, here are Looking Your Best Inc.’s Top 5 Makeup Trends that are sure to leave you feeling beautiful, confident, and attractively age appropriate:
- Strong eyebrows: Eyes are the communicators! They lift with delight and excitement! They show surprise, fear, sincerity and sadness. Expressive eyes without perfectly groomed brows is the #1 makeup mistake after not using skin care. If you only have time for one makeup routine, best to shape and fill in your brows with one shade darker than your hair colour. It will bring attention to your eyes, frame your face, balance a heavy jaw line or a full face, and give definition to a slim, pale face. Brows are the overlooked facial feature that demand attention this fall.
- Smoky eyes: Fall makeup is dark and dramatic, which is easily accomplished with a smoky eye shadow application. “Smoky eye” doesn’t necessarily mean black and dark and Goth. Smoky refers to the technique rather than the colour. Choose your best dark colour: if you are blonde, it will be a medium shade; a redhead or brunette’s shade will be darker. Concentrate the darkness near the lash line and fade to above the crease. Try this season’s colours of coppers, golds, and browns. For an added touch of sophistication, match your eye shadow with your nail colour. Oh trés chic!
- False eyelashes: This doesn’t have to look like a chorus line showgirl lash. When applied correctly, it makes sparse, thin, short lashes look naturally long and full. Luscious is the word to focus on. Skip costume-looking lashes with sparkles and funky lengths. Choose a natural looking set of lash strips. Cut the strip in half and apply on the outer edge for a flirty rich detail to your eyes. Now, this is drama!
- Black mascara: Dark and dramatic makeup for Fall needs luscious lashes. Apply mascara to the base of your lashes sweeping left to right, then brush to the tips. To avoid clumps, be sure to wash your mascara off every night, then reapply to clean lashes in the morning. Take your time and apply meticulously.
- Luscious lips: Lipstick is the match that lights the face! Get over the nude lip and add some colour! Try this season’s deep burgundy, plum browns, or 80’s inspired hot pink! Yes, it might draw more attention than you are used to – but trust me, you will look fresh and well rested rather than pale and tired. Your lipstick colour didn’t draw comments because it was bland and didn’t warrant comments – it made you look older and worn out. Fashion magazines would have us keep a quieter lip with the smoky eye, but quieter doesn’t mean pale and washed out.
This season’s makeup trends are dark and dramatic for a bold sophisticated look of confidence! Looking Your Best Inc. offers private makeup lessons and instructional application techniques to incorporate all of these trends without looking trashy or age inappropriate.
About the Author
Shirley Borrelli is a passionate educator who brings nearly 20 years experience in training, writing and consulting to her image and personal branding company, Looking Your Best.
Shirley authors regular newsletters, articles and booklets on image, personal development, and communication skills, such as her Image Boosters series, which addresses seasonal appearance trends. It’s a quick read that delivers useful tips and tricks. Her most recent publication, Clothing 101©, reveals an exclusive formula to build The Perfect Wardrobe© and covers The Top 10 Secrets to Stress-Free Shopping.
Shirley is a regular contributor to the media and has appeared on Global TV as the stylist for the Inside-Out Makeover project. She was also the image expert on Access TV and has been featured in numerous provincial and national publications. She is producer of Edmonton Makeovers: Look Years Younger; its success was based on real solutions for real women.
Shirley is a certified image consultant with internationally recognized London Image Institute in image, professional development training, and personal branding. She is the only certified colour analyst in Canada from Sci/Art Company and a member of the Association of Image Consultants International, AICI. Shirley graduated from the University of Alberta with a Bachelor Degree in Education and a major in Business.
Shirley can be reached at:
info@LookingYourBestInc.com
780.451.0661
Visit us online at:
www.LookingYourBestInc.com