Author: Admin01

Luxe Gua Sha Tools to Lift, Contour & Refine Your Angles in Just Minutes

Beauty tool, whether it be jade rollers, facial massagers, or microcurrent devices have rapidly become one of the biggest trends in skincare in recent years, and while some of them surely seem like nothing more than a gimmick suitable selfies rather than improving your complexion and refining your angles, a lot of them actually do yield some pretty impressive results. One of the latest tools garnering popularity by both beauty influencers and the professionals are gua sha facial tools. Originating from Chinese medicine, these jade, amethyst, and rose gold gadgets are used to contour the jawline, stimulate blood flow to the skin’s surface, and help promote lymphatic drainage—just to name a few benefits.

Gua Sha loosely translated to “scraping” in Chinese, but these tools aren’t exactly used to shed or scrape the skin’s surface like an exfoliant. Rather, they work to lift, sculpt, and define by way of upward, slow motions. Unlike similar tools, this one features a flat shape with a curved end, which beautifully your angles tightly allowing you to apply more pressure to the skin and therefore give you more instant results. The best part is that, while estheticians and beauty experts may swear by them, you don’t have to book a pricey appointment to reap their benefits—there are plenty of high-quality options on the market that will do just the trick without breaking the bank. See below for some of our favorite models to try for yourself.

Our mission at STYLECASTER is to bring style to the people, and we only feature products we think you’ll love as much as we do. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale and the retailer may receive certain auditable data for accounting purposes.

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Luxe Gua Sha Tools to Lift, Contour & Refine Your Angles in Just Minutes

Beauty tool, whether it be jade rollers, facial massagers, or microcurrent devices have rapidly become one of the biggest trends in skincare in recent years, and while some of them surely seem like nothing more than a gimmick suitable selfies rather than improving your complexion and refining your angles, a lot of them actually do yield some pretty impressive results. One of the latest tools garnering popularity by both beauty influencers and the professionals are gua sha facial tools. Originating from Chinese medicine, these jade, amethyst, and rose gold gadgets are used to contour the jawline, stimulate blood flow to the skin’s surface, and help promote lymphatic drainage—just to name a few benefits.

Gua Sha loosely translated to “scraping” in Chinese, but these tools aren’t exactly used to shed or scrape the skin’s surface like an exfoliant. Rather, they work to lift, sculpt, and define by way of upward, slow motions. Unlike similar tools, this one features a flat shape with a curved end, which beautifully your angles tightly allowing you to apply more pressure to the skin and therefore give you more instant results. The best part is that, while estheticians and beauty experts may swear by them, you don’t have to book a pricey appointment to reap their benefits—there are plenty of high-quality options on the market that will do just the trick without breaking the bank. See below for some of our favorite models to try for yourself.

Our mission at STYLECASTER is to bring style to the people, and we only feature products we think you’ll love as much as we do. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale and the retailer may receive certain auditable data for accounting purposes.

Read More

Luxe Gua Sha Tools to Lift, Contour & Refine Your Angles in Just Minutes

Beauty tool, whether it be jade rollers, facial massagers, or microcurrent devices have rapidly become one of the biggest trends in skincare in recent years, and while some of them surely seem like nothing more than a gimmick suitable selfies rather than improving your complexion and refining your angles, a lot of them actually do yield some pretty impressive results. One of the latest tools garnering popularity by both beauty influencers and the professionals are gua sha facial tools. Originating from Chinese medicine, these jade, amethyst, and rose gold gadgets are used to contour the jawline, stimulate blood flow to the skin’s surface, and help promote lymphatic drainage—just to name a few benefits.

Gua Sha loosely translated to “scraping” in Chinese, but these tools aren’t exactly used to shed or scrape the skin’s surface like an exfoliant. Rather, they work to lift, sculpt, and define by way of upward, slow motions. Unlike similar tools, this one features a flat shape with a curved end, which beautifully your angles tightly allowing you to apply more pressure to the skin and therefore give you more instant results. The best part is that, while estheticians and beauty experts may swear by them, you don’t have to book a pricey appointment to reap their benefits—there are plenty of high-quality options on the market that will do just the trick without breaking the bank. See below for some of our favorite models to try for yourself.

Our mission at STYLECASTER is to bring style to the people, and we only feature products we think you’ll love as much as we do. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale and the retailer may receive certain auditable data for accounting purposes.

Read More

Why Widows Should Be Aware of These 4 Retirement Planning Considerations

Why Widows Should Be Aware of These 4 Retirement Planning Considerations

Retirement planning for widows (and widowers) involves some unique aspects that must be considered in addition to the emotional grief and stress that comes with losing a spouse.

There seems to be some correlation between times of intense stress and bad decisions. Making financial decisions while grieving is no different. Making matters worse, many financial decisions can be irreversible, and unscrupulous financial reps can use the stress and uncertainty to push certain products.

While these implications are important to know, it is not a complete list. None of this should be construed as specific advice because everyone’s situation can be different and have extenuating circumstances.

Tax Considerations

Some people may experience a “widow penalty.” This is more common when a couple has a large pre-tax investment account like a 401k or IRA. If the income remains similar for the surviving spouse, then the single filing status means you will likely be taxed at a higher rate on that income.

For this reason, the IRS has created a filing status called Qualifying Widow. This special status allows a widow to be taxed at Married Filing Joint rates for the first two years following the death of her spouse. There may be strategies, such as a Roth conversion, that can be taken advantage of during this two-year period.

Additionally, you may be more likely to owe higher Medicare premiums in the form of Income-Related Monthly Adjustment Amount (IRMAA) surcharges. If your income goes above certain thresholds, your Medicare Part B and D premiums will increase.

It is possible you were not subject to these higher Medicare costs before your spouse died, but your income may subject you to these surcharges now since the income threshold is lower for a single taxpayer.

Retirement Accounts

As a spousal beneficiary of a retirement account, you have the option of treating your deceased spouse’s account as your own or treating yourself as the beneficiary. The correct decision depends on many factors, but age and income needs remain two of the primary ones.

You should consult a qualified advisor to help you determine the best decision for you because this may be one of the “irreversible decisions” mentioned earlier.

If you are under 59.5, you cannot access your IRA without a 10% penalty unless an exemption applies. You may choose to treat yourself as the beneficiary in this situation because that would allow you to access the account without penalty. Spousal beneficiaries can always roll it over to their own IRA at a future time.

If you are over 59.5, don’t need income, or are younger than your spouse, it can make sense to roll it to your own IRA because the Required Minimum Distributions (RMD) either wouldn’t be required or they would be lower.

However, if you are older than your spouse, it can make sense to treat yourself as the beneficiary even if you are over 59.5 and need income because the RMD could be lower.

Insurance Implications

Your insurance needs may not be the same as when you were married. Life insurance on yourself may no longer be necessary, although it may make sense to keep, depending on your legacy goals.

Your decision must also take into consideration whether your life insurance is a term policy or a permanent one. For example, a whole-life policy has different dividend and non-forfeiture options that give you flexibility beyond just cancelling the policy.

Long-term care insurance is often purchased to protect the surviving spouse because a nest egg can be spent down fairly quickly if long-term care is needed. That may no longer be a relevant objective, although you may still want to protect your assets so there is more to leave your heirs.

What to Know About Social Security

Surviving spouses have some unique options when it comes to claiming Social Security. For example, you have the option to receive reduced benefits as early as 60.

However, these benefits would be permanently reduced so you will want to carefully consider whether or not it makes sense to claim early. Generally speaking, the healthier you are, the longer you should wait to claim.

If your own benefit is higher than the survivor benefit, you may be able to claim a survivor benefit for a period of time and then switch to your own benefit later.

Caring for a child or having a disability could allow you to claim even earlier. Also, you won’t be eligible for a survivor benefit if you remarry before 60.

The most important thing to remember about Social Security is that you must know all the options available to you.

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

Have you had to make difficult financial decisions in times of grief? What were the results? Would you reconsider some of them if you had the option? Please share with our community and let’s have a discussion.

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Tiffany Moon’s Pink Chanel Terry Cloth Slides

Tiffany Moon’s Pink Chanel Terry Cloth Slides on Instastories

Real Housewives of Dallas Instagram Fashion 2020

Based on what we’ve seen so far from stalking her Insta, we have a strong feeling that Real Housewives of Dallas newbie Tiffany Moon will fit into our site just as perfectly as her perfectly pedicured feet do into these super cute pink Chanel terry cloth pool slides. Which we managed to find still in stock, so needless to say we’re very much feeling over the moon (and yes, you can expect to hear that pun a lot).

Fashionably,

Faryn

Tiffany Moon’s Pink Chanel Terry Cloth Slides

Click Here to Shop Her Chanel Slides on eBay in Pink or Navy

Photo: @TiffanyMoonMD

Originally posted at: Tiffany Moon’s Pink Chanel Terry Cloth Slides

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