If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

Everyone should have access to affordable hair color that will take them from blah to bold in the comfort of their bathroom. Sure, going to the salon is always going to be preferable but sometimes that’s just no time or budget. Enter Clairol Natural Instincts Bold, a no-ammonia hair coloring system for all hair textures.

Many folks with dark bases want bold color but don’t want to damage their hair by bleaching it first. Clairol’s new VitaBoost Color Amplifier promises to be the answer. “The VitaBoost Color Amplifier, our advanced color delivery system with no ammonia, guarantees a precise placement of bold color pigments deep inside the hair fiber,” says a Clairol R+D rep. “These bold color pigments are also designed to be water resistant, which ensures a bold result for up to eight weeks with better resistance to fading from washing hair.”

We’re talking bold hues Dragon Fuchsia, Copper Sunset, Achiote Auburn, Deep Burgundy Acai, Blue Black Colibri and Violet Passiflora on dark hair colors and kinky, coiled textures all without damage. The vegan formula contains argan oil, acai and guarana extracts to be gentle on strands. The included Moisture-Rich Mask helps too, by reducing tangles and smoothening the cuticle layer.

Ready for a new 2023 look? Shop the coolest shades, below. 

Clairol.

Natural Instincts Bold Permanent Hair Dye, R56 Achiote Auburn Hair Color

How pretty is this bright auburn color on curls?!

Clairol.

Natural Instincts Bold Permanent Hair Dye, F66 Dragon Fuchsia Hair Color

This vibrant purple-red is so pretty for summer.

Clairol.

Natural Instincts Bold Permanent Hair Dye, C64 Copper Sunset Hair Color

You don’t have to be a natural blonde or redhead to get trendy copper hair.

Clairol.

Natural Instincts Bold Permanent Hair Dye, BR36 Deep Burgundy Acai Hair Color

This deep burgundy gives a boost to any natural hair color.

Clairol.

Natural Instincts Bold Permanent Hair Dye, V26 Violet Passiflora Hair Color

Or go dark purple and surprise everyone with your new look.

Clairol.

Natural Instincts Bold Permanent Hair Dye, BL28 Blue Black Colibri Hair Color

Shiny blue-black hair without the damage? Yes, please!

As we age, our financial priorities and needs change. Once you reach the age of 60, it’s crucial to take a step back and evaluate your current financial situation to ensure that you’re on track for a comfortable retirement. However, even with the best intentions, it’s easy to fall into certain money traps that can derail your plans.

Here are some major money mistakes to avoid once you turn 60.

The Top Money Blunders to Avoid in Your 60s

Not Registering for Medicare on Time

Even if you postpone receiving Social Security benefits, failing to enroll in Medicare when you turn 65 could cost you. To sign up for Medicare Part B, you have a seven-month window starting three months before the month you turn 65. And it’s best to start as soon as possible.

You may incur a late enrollment fee of at least 10% on your monthly premium for the rest of your life if you miss that window.

If your present employment still insures you at age 65, you can be immune from this fine. However, since your current employer must provide your health plan, COBRA and retiree health plans are unacceptable.

Overspending on Grandchildren or Adult Children

It should go without saying but spending too much money can wipe out your savings and ruin your plans for a comfortable retirement when you live on a limited income. Remember that small expenses accumulated over time frequently deplete your retirement savings.

Your loved ones can be one of the biggest dangers to your retirement money. Before retiring, make a spending plan and stick to it, despite requests from family members or your grandchildren’s birthday or Christmas wish list tempting you to go over budget.

Early Social Security Withdrawal

As early as age 62, you can begin taking Social Security payments. However, if you take money out of your account before reaching full retirement age, your lifetime benefit would be reduced by around 30%. And you can lose out on thousands of dollars per month as a result. Waiting until full retirement age, which is 66 or 67 if you were born after 1943, will allow you to fully withdraw your benefits if you’re still making enough money to get by.

Delaying receiving Social Security benefits until age 70 can be a wise move for many people. This is so that people who don’t take their Social Security benefits at full retirement age might receive “delayed retirement credits” from the government. Your benefit increases by 6 to 8 percent (8 percent if you were born after 1943) for every year you postpone receiving it until you are 70.

Not Planning for Long-Term Care Costs

Many people are unaware that Medicare does not pay for long-term care, which includes stays in nursing homes and assisted living facilities. You should plan for long-term care costs because, according to the U.S. Department of Health and Human Services, seven out of ten adults turning 65 today will require some form of long-term care.

You can incorporate this into your retirement savings strategy, but remember that long-term care is costly. A private room at a nursing home can cost more than $7,000 per month, with costs ranging from $20 per hour for a home health assistant. For many, purchasing long-term care insurance is the wisest course of action. You will pay less in premiums the earlier in life you buy this coverage.

Letting Your Partner Handle All the Money

It’s common for couples to leave their finances to one person instead of working on them together, but doing this going into your 60s is risky. One of you is likely to pass away before the other, and you don’t want to be left alone with money problems you don’t understand.

This is especially important for women. On average, women live five years more than men. However, according to a report from UBS, 56% of married women say they leave financial planning to their spouse.

Everyone should be in charge of their future, but in your 60s, you need a plan for your money to have a happy and healthy retirement.

Not Following a Budget Plan

Many people only realize how much they spend once it’s too late. They shop with credit cards without looking at their budget, get into debt, and then enroll in a debt settlement program to gain financial freedom.

Having a budget will help you keep track of your expenses and ensure you’re spending appropriately.  

Aggressive Investing

Another mistake that retirees often make is that they invest too aggressively. Once you reach 60, you should be careful not to invest too aggressively in your retirement savings, and this is because you won’t have as much time to get back on your feet if the stock market drops sharply.

Let’s Have a Conversation:

What is the worst money mistake people make after turning 60? Have you made any financial mistakes after retirement? How did you rectify them? Share with us.

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

You know that feeling when your under eyes are so tired that it feels like a weight is dragging them down? It’s the absolute worst, and we wouldn’t wish it upon even our loudest upstairs neighbor—and that says a lot.

But your eyes don’t have to feel or look this way, because beauty obsessives have found a solution they swear by. You might recognize Tula’s best-selling Glow & Get It Eye Balm. It’s like a ristretto shot from Starbucks, but for your under eyes, and it has been a customer favorite for a while now. Fan or not, you should know that there’s a new skin-saving sheriff in town and its name is Rose Glow & Get It.

This pink-tubed eye balm takes the original Glow & Get It one step further. The creamy formula tones and nourishes, but also helps minimize the appearance of fine lines and wrinkles. Don’t get us wrong, it still has the same powerhouse ingredients of its predecessor, like hyaluronic acid, caffeine and aloe. But, now, you can reap the benefits of rosewater and rosehip oil (aka great plant-based alternatives for retinol), too.

“Since I started using this, it has not only removed my bags, my eyes are brighter and younger-looking. The coolness feels great on tired eyes,” wrote one shopper.

Try Tula’s Rose Glow & Get It Eye Balm and your under eyes will be smooth, awake and ready to conquer the day.

Lucky for you, the site is offering up 20 percent off orders for LIFE. Simply sign up for auto deliveries to unlock this permanent discount. This offer spans across all of the brand’s best-sellers.

RELATED: Here’s Where to Buy RX Retinoids Online Without a Trip to The Dermatologist

Courtesy of Tula.

“I really like its cooling effect and how it feels as if it’s instantly removing puffiness and gently tightening any fine wrinkles or lines,” wrote one reviewer who gave the eye balm a perfect five-star rating. “I bought a second one to carry with me in my purse.” Other shoppers can relate, as they, too, toss this little pink tube into their bags for quick pick-me-ups throughout the day.

“It goes on smooth and easy, feels great, cooling without burning or bothering my eyes.” And they even go on to confirm that the formula is suitable for all the sensitive skin folks out there. “I have very sensitive eyes and have no issues. This balm has been reducing under-eye puffiness and helps me look less tired.”

The best and only advice we can give you right now is that you should really listen to these reviews. To get eyes that look youthful and feel refreshed, swipe on Tula’s Rose Glow & Get It Eye Balm. You might not even need that afternoon cup of coffee anymore.

Photo: Tula.

The O.G. Glow & Get It Eye Balm is also packed with caffeine and aloe like the Rose version, except it has apple, watermelon, blueberry and probiotic extracts in it. Together, they hydrate and soothe the skin under your eyes.

Photo: Tula.

Another member of the iconic eye balm family is the 24-7 Power Swipe Eye Balm. Its standout ingredients include caffeine to energize, as well as squalane, hyaluronic acid, collagen and peptides to hydrate and combat visible signs of aging. One shopper even said their under eyes were much more moisturized, de-puffed and youthful-looking after just “two weeks of consistent use.”

Just before the end of 2022, the SECURE 2.0 Act of 2022 was signed into law as part of the Consolidated Appropriations Act of 2023. One of the changes included in the Act delays the age for required minimum distributions from IRAs and company retirement plans, and it is likely to impact you in some manner.

Perhaps you help a parent or other relative calculate their RMD even if you or your spouse/partner are not yet taking RMDs. In any case, it is important to have a plan or strategy for RMDs in your retirement years. You will be taxed as if your distributions are part of your ordinary income and that may affect your tax bracket and therefore the amount of taxes you pay.

What Are Required Minimum Distributions?

A required minimum distribution is the amount of money that must be withdrawn from an employer-sponsored retirement plan, traditional IRA, SEP, or SIMPLE IRA by owners and qualified retirement plan participants of retirement age.

You may recall that investments in these retirement plans are not subject to income or capital gains taxes from year to year. Only when funds are removed from the account or plan are taxes assessed. A required minimum distribution acts as a safeguard against people using a retirement account to avoid paying taxes indefinitely.

The amount that is required to be withdrawn is set by law and there are penalties if you do not comply, although SECURE 2.0 reduced the penalty from 50% to 25% and even 10% if corrected in a “timely manner.”

(Roth IRAs do not require a minimum distribution until the death of the owner when the account becomes an Inherited Roth IRA. Roth designated accounts that are part of employer retirement plans are subject to RMD only through December 31, 2023.)

How Are RMDS Computed?

RMDs are determined by dividing the retirement account’s prior year-end fair market value by the applicable distribution period or life expectancy. The Internal Revenue Service has a worksheet to help taxpayers calculate the amount they must withdraw. The calculation is different for couples when a spouse is the sole beneficiary and is 10 years or more younger than the other.

Generally, your account custodian or plan administrator will calculate the amounts and report them to the IRS and to you. Often, but not always, you can choose to take an RMD from each of your retirement accounts or combine the value and take a distribution from just one account.

Your employer, account custodian, or financial advisor can help you determine your distribution amount, and an advisor can help you determine the best distribution strategy.

The New Rules

If you started taking RMDs before 2022, there is no change for you. If you turned 72 during 2022 and have not taken an RMD, you need to take your first RMD (for 2022) no later than April 1, 2023; and then will also need to take an RMD for 2023.

Your 2022 RMD will be based on the market value of your retirement account(s) on December 31, 2021, and your 2023 RMD will be based on the market value on December 31, 2022. If you took your first RMD sometime during 2022, you only need to take one RMD in 2023, and it will be based on the market value of your retirement account on December 31, 2022.

However, if you turn 72 after December 31, 2022, your RMD age will now be 73. You do not have to take an RMD in 2023. By the way, in 10 years, the RMD age will increase to 75. That is due to growing life expectancy and increasing retirement age.

It should be noted that while you must withdraw the RMD amount, you can also withdraw above that amount. If you want to withdraw 100% of your account in the first year or any year, that’s perfectly legal, but the tax bill could be a bit of a shock. Please also note that there are different rules, one is mentioned above, for Inherited IRAs.

Let’s Have a Conversation:

What questions do you have about the new age requirement for RMDs? Would you like to see more information about Inherited IRAs? How do you view an RMD in your overall retirement income plan?

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

You know that feeling when your under eyes are so tired that it feels like a weight is dragging them down? It’s the absolute worst, and we wouldn’t wish it upon even our loudest upstairs neighbor—and that says a lot.

But your eyes don’t have to feel or look this way, because beauty obsessives have found a solution they swear by. You might recognize Tula’s best-selling Glow & Get It Eye Balm. It’s like a ristretto shot from Starbucks, but for your under eyes, and it has been a customer favorite for a while now. Fan or not, you should know that there’s a new skin-saving sheriff in town and its name is Rose Glow & Get It.

This pink-tubed eye balm takes the original Glow & Get It one step further. The creamy formula tones and nourishes, but also helps minimize the appearance of fine lines and wrinkles. Don’t get us wrong, it still has the same powerhouse ingredients of its predecessor, like hyaluronic acid, caffeine and aloe. But, now, you can reap the benefits of rosewater and rosehip oil (aka great plant-based alternatives for retinol), too.

“Since I started using this, it has not only removed my bags, my eyes are brighter and younger-looking. The coolness feels great on tired eyes,” wrote one shopper.

Try Tula’s Rose Glow & Get It Eye Balm and your under eyes will be smooth, awake and ready to conquer the day.

Lucky for you, the site is offering up 20 percent off orders for LIFE. Simply sign up for auto deliveries to unlock this permanent discount. This offer spans across all of the brand’s best-sellers.

RELATED: Here’s Where to Buy RX Retinoids Online Without a Trip to The Dermatologist

Courtesy of Tula.

“I really like its cooling effect and how it feels as if it’s instantly removing puffiness and gently tightening any fine wrinkles or lines,” wrote one reviewer who gave the eye balm a perfect five-star rating. “I bought a second one to carry with me in my purse.” Other shoppers can relate, as they, too, toss this little pink tube into their bags for quick pick-me-ups throughout the day.

“It goes on smooth and easy, feels great, cooling without burning or bothering my eyes.” And they even go on to confirm that the formula is suitable for all the sensitive skin folks out there. “I have very sensitive eyes and have no issues. This balm has been reducing under-eye puffiness and helps me look less tired.”

The best and only advice we can give you right now is that you should really listen to these reviews. To get eyes that look youthful and feel refreshed, swipe on Tula’s Rose Glow & Get It Eye Balm. You might not even need that afternoon cup of coffee anymore.

Photo: Tula.

The O.G. Glow & Get It Eye Balm is also packed with caffeine and aloe like the Rose version, except it has apple, watermelon, blueberry and probiotic extracts in it. Together, they hydrate and soothe the skin under your eyes.

Photo: Tula.

Another member of the iconic eye balm family is the 24-7 Power Swipe Eye Balm. Its standout ingredients include caffeine to energize, as well as squalane, hyaluronic acid, collagen and peptides to hydrate and combat visible signs of aging. One shopper even said their under eyes were much more moisturized, de-puffed and youthful-looking after just “two weeks of consistent use.”