Shaping our
eyebrows can be a tough beauty challenge as we grow older. Thanks to the wide
range of makeup brands today, we can work through several issues we may have
with our brows when we hit our 60s, such as hair color change and sparseness or
thinning hair.

One of our top eyebrow makeup goals is avoiding the shocked or surprised look due to improperly arched brows. Professional makeup artist Ariane Poole says that this is a common problem that can be easily corrected if we remember and apply her insights and tips.

Our Eyebrows Are More Like Sisters than Twins

Today’s eyebrow
madness has a lot to do with how self-conscious we are about how our eyebrows
are arched or how our eyebrow makeup looks.

But despite the latest
trends, we have to remember that people are more than their eyebrows. There’s
also no such thing as identical eyebrows.

Both sides of our
face are not symmetrical, so we shouldn’t expect our eyebrows to be identical
either. However, we can try and create some level of symmetry with the help of
makeup.

Mannerisms, Botox Contribute to Raised Eyebrow Effect

Women who have had
a Botox brow lift may not be able to avoid that stunned look on their faces
because the treatment naturally elevates the height of their eyebrows.

If we don’t want
people to focus on our eyebrows, what we can do is to identify and avoid our facial
mannerisms that can draw others’ attention toward them, like the way we widen
our eyes when we look up or get angry.

OK to Pluck Stray Hairs at “Pointy Peaks”

Ariane agrees with
beauty advisers who say that plucking from the top of your brow is perfectly
fine if it means taking the one or two wayward hairs, particularly in parts
where they produce a “pointy peak” in the arch of our brow.

Move the Arch’s Peak Away from the Iris

The highest point
of the arch of our eyebrows would have been directly above our iris during our
younger days. But as we grow older, we must move the peak to the outer side of
the iris, approaching the tail of the brow.

There’s an “eyelift”
effect that happens when we move the peak away from the center and etch our eyebrow
pencil or mascara toward our temple when we reach the
tail of our brow instead of etching it downward toward the outer edge of our
eye.

Relocating the peak
of our eyebrow arch and creating a “straight tail” at the end of our brow adds
youth to our face.

You can also check out past interviews
and articles from Sixty and Me for more tips on handling thinning or uneven eyebrows and coloring
gray eyebrows.

What are your personal makeup strategies for
keeping eyebrows and eyes looking fully awake and youthful? Do you have any
grooming habits that make your eyebrows look thick even if they are actually
thinning? Please share your
thoughts with the community in the comments section below!

Here we are, 60-plus, and my guess is none of us has
experienced a global pandemic before. Initially hard to believe that a new
virus could spread as rapidly as it has, we are now confronted by several
realities.

It’s important to isolate for your good and the good of
everyone, so the spread of the virus will slow. It’s also important that you
take extra good care of yourself. Your immune system is counting on it.

There are two key actions you can take to help your immune
system stay healthy and robust.

Strengthen Your Respiratory System

The first is to support your lung energy by not smoking, keeping
fresh air in your home, and exercising enough to get you breathing deeply.

Avoid breathing in any toxic chemicals, including the smoke from commercial candles. You can also view my video where I demonstrate some simple acupressure points that can support your lungs and immune system.

Count on a Whole Food Diet

The second key action involves your diet. I know as part of the Sixty and Me community you are someone who values your health and well-being. There has never been a more important time to nourish yourself with simple whole foods.

These are foods like whole grains, vegetables and fruits of
many colors, nuts, seeds, beans, legumes and high quality antibiotic- and
hormone-free meats if you eat them. Don’t forget to drink plenty of clean water
and herbal teas.

Because of the vital importance of nourishment right now, I
developed a plan that anyone can try, which includes recipes for preparing
simple dishes. I’ve heard from many people who habitually ate out until now, and
the idea of cooking at home seems impossible to them.

Simple, but Full of Flavor

It clearly is not if you are open to trying. Aim for very
simple dishes. Every simple dish can be spiced up in whatever way you like. You
start with the basic dish and enhance with seasonings that provide flavor.

Here are just a few examples:

• Italian flavor – garlic, basil, oregano
• Indian/Middle East – cumin, curry, coriander, turmeric
• Mexican – chiles, annatto
  seeds, canella, cilantro
• Asian – ginger, lemongrass, star anise
• African – paprika, harissa, cumin

These spices take a basic grain or vegetable and transform it
into something with a flavor common to its part of the world. It makes eating
interesting.

During the isolation or social distancing that occurs in the time
of pandemic, you will be well-prepared and well-nourished if you have the
staples and pair them with one another and with the various spices and flavors
described above.

One day you can eat foods with Italian flavor; the next day
you try African, etc. You may grow to like this way of eating so much you never
go back to the less nourishing ways you used to prefer in the past.

The Wellness and You website offers
a lengthy how-to list for preparing grains, vegetables, and other dishes,
closing out with a black bean brownie recipe. We all need a little sweet in our
lives, but now is not the time for refined sugar. This brownie recipe sweetens
with syrup instead.

Stay well. Stay happy. Stay safe and may unexpected pleasures
come your way during this very unique time.

What lifestyle changes have you adopted in this time of social isolation? What do you do to keep to a whole-food diet? How do you keep your air clean? Please share with our community.

Many of you might have purchased life
insurance at some point because someone depended on you financially and you are
a responsible person.

But what if you were sold a permanent
policy that you don’t need anymore, if you ever needed it. There are different
types of permanent insurance, but this article focuses on whole-life insurance.

Generally speaking, you don’t need
life insurance when you no longer have dependents or you are financially
independent. For this reason, there are a lot of people out there who own
whole-life insurance and do not need it anymore.

Of course, there are always exceptions,
so you must do a proper analysis of your unique circumstances. You’re probably
asking yourself why so many people own it if they don’t need it. One reason is
the significant economic incentive life insurance agents have to sell it.

Conflict of Interest

A simple example illustrates this
point. Life insurance agents earn a percentage of the premium you pay as a
commission. Term insurance premiums are worth significantly less than
whole-life premiums. An agent can make significantly more money by selling you
permanent insurance than term insurance.

This is perfectly legal even if you
don’t need it, because insurance agents do not have to act in your best
interest, unlike a Fiduciary financial advisor. They are
simply doing what any sales-person would do.

Fee-Only advisors are legally required
to act in your best interest and don’t even own the licenses required to earn a
commission, thereby eliminating this conflict of interest.

Your Options

So, what are your options if you
already own whole life insurance and do not need it anymore? Thankfully, you
should have several dividend options and non-forfeiture options. As you’ll see,
the best option for you will likely depend on your specific situation.

You can try the
following dividend options:

Receive as Cash

When you need cash flow, you can ask the
insurance provider to send you a check in the amount of the dividend.

Reduce Premium

You can also use the dividend to
reduce the amount of premium you pay out of pocket. This option can make sense
when you want to keep the policy but reduce your cost.

Purchase Paid-Up Additions

Another option is to use the dividend
to increase the cash value and death benefit of your policy. This can make
sense when you have significant cash flow and are looking to maximize the size
of your policy.

Accumulate at Interest

Perhaps you want to leave the dividend
with your insurance company to earn interest in a separate account. Make sure
you evaluate all alternatives to maximize your return.

Extended Term

You can also use the dividend to buy a
one-year term policy in addition to the existing policy. The amount is
determined by the size of the dividend. This can make sense when you need more
death benefit and the terms of this option are more favorable than purchasing a
separate policy.

There
are several non-forfeiture options as well.

Cash Surrender

If you’d rather just cancel the policy,
you can accept whatever cash value may be available. This can be a taxable
event if the cash value is more than your basis. This option can make sense
when you do not need the death benefit anymore and have a need for the cash.

Reduced Paid-Up

You can also reduce the cash value and
death benefit, which will allow you to keep the policy without paying any more
in premium. Reduced paid-up can make sense when you have a need for some death
benefit.

Automatic Premium Loan

In another option, you can allow the
cash value to pay the premium. This can make sense when you need the full death
benefit but may not be able to continue paying the premium out of cash flow. Be
careful with this option because it could result in a policy lapse and severe
tax consequences.

Extended Term

You can convert your death benefit
into a term policy and eliminate your cash value. The length of the term would
be determined by the amount of cash value. This option can make sense if you
need the full death benefit for a limited time.

1035 Exchange

There is one other option that doesn’t
fit into the categories above and is often overlooked. The IRS allows you to do
a 1035 exchange of a life insurance policy to an annuity or long-term care
insurance. This means you can convert your policy without tax consequences.

Think Your Options Through

To recap, you may or may not still
need a death benefit. Even if you do, your policy may or may not still make
sense for you. A Fiduciary advisor without a commission conflict of interest
can help you evaluate your options.

Insurance policies are contracts and
can be drastically different, so it is important to know all the options
available to you. The best course of action depends on your need for a death
benefit, available alternatives, and the specifics of your policy.

Download Robert’s e-book 9 Mistakes to Avoid When Retiring Solo for more retirement guidance from a Fee-Only advisor.

Have
you paid for a whole-life insurance? Do you still need it? Are you keeping it?
What alternatives have you explored? Please share your thoughts or tips with
our community!

Lala Kent’s Pink Gown at Katie & Tom’s Wedding in Vegas

Season 8 Episode 15 Vanderpump Rules Fashion

Lala Kent’s pink gown at Katie Maloney and Tom Schwartz’s wedding part deux in Vegas is classy af. I always love a Lala lewk because whether it’s a little on the scandalous side or more on the classy side it’s ALWAYS on point.

This particular lewk reminds me of the bridesmaids dress that I wore in my friend’s wedding over the summer. I was absolutely obsessed with the off the shoulder cut. Seeing Lala wear her’s a little higher up on her shoulders made me regret not thinking to do that for a little more movement capability. When it came to the reception I couldn’t move my arms enought to go full force on the dance floor, which in retrospect was possibly a good thing.

Speaking of weddings, there must be something in the water at SUR because wedding bells are ringing all over the place. Lala must have been very excited during this trip because her big day is up next. And although they’ve had to postpone their big day because of COVID 19, I can’t wait to see Randall turn her into a wife.  Then I’ll just be waiting for Andy turn her into a Housewife.

Sincerely Stylish,

Jess

Click Here To Shop Her Pink NDB Samuel Gown in Limited Sizing

Photo Credit: @lalakent

Originally posted at: Lala Kent’s Pink Gown