Apply Eye-shadow Like A Professional

Apply Eye-shadow Like A Professional

Things You Require:

1. Moisturiser

2. Eye cream

3. Eye primer

4. Eye-shadows

5. Eye makeup brushes
(Flat Stiff Brush, Pencil Brush, Stiff Dome Brush, Fluffy Dome Brush)

6. Kohl eyeliner

7. Eyeliner

8. Mascara

Step 1

Start by cleaning the area around the eyes. Take it up with a moisturizer or an eye cream. Next step to set-up the eye area with an eye primer. You can also use a concealer that matches the skin tone around your eyes. Apply the concealer with a brush and secure it with an opaque or crystal clear powder. This will make the eye area look even, make the skin crease-proof, and also conceal any discoloration of the skin. It also generates a clear base so that the colors sit properly

Step 2

Now its time for the actual eye makeup.The eye area consists of the eyelid, the crease, and the brow bone. It’s also necessary that you know which texture/shade to use on each of these areas. Use textures like frost/shimmer/shine on the eyelid and brow bone, and matte finish textures on the crease.

Start by applying the color on the eyelid with a flat eye-shadow brush using a sweeping motion. Here, a dull gold shade in frost texture was used, since there is very less lid space. This lighter shade will make the eyelid more prominent. To apply from the Middle and then wipe/sweep it towards both inside and outside corners. Apply the color equally on the lid and stake more for potency.

Step 3

Now, we make the crease area. Use a darker shade of eye-shadow to define the eye shape. To make this, go for shades. To Start applying from the outside of the eye, creating a ‘V’, and mix it halfway through the eyelid with a woolly eye-shadow mixing brush. Do this using the windshield wiper motion. Keep blending until the color starts to look softer. In order to highlight the brow bone, go for lighter shades in either frost or shimmer textures.

Step 4

To make the eye makeup more noticeable, use an eye pencil/kohl eyeliner on the lower lash line. Smudge/Blurred it with a pencil brush or smudger if you want a hazy result.

Step 5

Apply eyeliner to define the eyes. Start from the outer corner and gradually pull it inwards using small strokes. You can retain it plainly, or make it fair. And, when in doubt, just jetting out!

Step 6

See the Final Look:

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Posted in: Featured,Teen Age,Women's Fashion

How to Make a Decorative Snowman Straw

Turn an usual straw into something remarkable with the addition of a snowman ornament. This straw masterwork really serves as a "muddler", enabling the drinker to stir a cocktail or frozen cocktail to keep the ingredients well blended. Perfect for winter season cocktails.

Follow the guidance shown in image. 

 

press the straw approximately 2cm from end. 

(as shown in diagram)

 

Insert the first pompom

 

Insert the second pompom

Decorate the pompom

• Add beads for eyes.
• Use pieces of the cut-out straw to make the nose and arms/hands
  Place in the glass for use as a muddler or decorative straw.

Things required for this:- Plastic straws 
Pompom
Beads
Glue
Craft scissors

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Posted in: Featured

Top 10 Life Settlement Predictions of 2011

In the life settlement industry look forward with renewed optimism. By most accounts, the life settlement industry's bottom is behind it and the secondary life insurance market is now in the process of recovering. How much and how fast is still to be determined. However, below are the Top 10 Predictions For Life Settlements in 2011.

1) Secondary Market To See Increased Buying. As everyone knows, capital has been slowly reentering the life settlement market but it is still off the highs experienced prior to the Great Recession. Much of the activity in 2010 was focused on tertiary trades and investors looking for distressed policies or portfolios. As those opportunities become less available in 2011, capital will be redirected to secondary market activities and policy origination.
2) Private Equity Will Arrive: As the investment banks and other types of investors left the market in 2009 and 2010, everyone has been anxious to identify the next big player. Much attention has been paid to Private Equity and in 2011 it will arrive. Rumors have been swirling that PEG's have been looking for acquisitions of established market players and have recently started funding some providers.
3) Higher Life Settlement Broker Utilization In the past, it has been relatively easy for producers to act as de facto life settlement brokers. However, new industry best practices suggest life settlement brokers are preferred intermediaries for policy owners interested in a life settlement. Not only are brokers more able to source small pockets of capital, but more stringent licensing, regulatory and compliance requirements make it difficult for anyone but brokers to effectively navigate the landscape. 2011 will see producers more likely to refer cases to life settlement brokers than try to handle them autonomously as they may have in the past.
4) Small investors will make a splash: Many have been waiting for institutional investors to flood the life settlement market with capital, while forgetting that high net worth individuals and family offices in aggregate have the potential to play a serious role. With an eye towards diversification and predictable returns, expect accredited investors and family offices to be active buyers, as never before, in 2011.

5) Continued Push Towards Regulation While approximately 20% of the states remain unregulated, the writing is on the wall that change is imminent. Some of the key unregulated states already have legislation in the works and consumer protection is a hot button issue that resonates with legislators. Expect the trend of consumer friendly life settlement regulation to continue in 2011.
6) Agents and Advisors Will Have To Address Life Settlements Like Never Before In 2011 expect numerous states to adopt the new NCOIL model act requiring carriers to notify consumers of the life settlement option when policies are to be surrendered or allowed to lapse. Agents and financial advisors that previously didn't consider life settlements in their practices will now be forced to address the issue as carriers drive policy holders with questions and inquiries to those on the insurance front lines.
7) Greater Focus On Information Security For too long, sensitive insured and policy owner information has been transmitted between agents, brokers and providers using insecure methods such as email. In 2011, as industry best practices demand secure data transfer, expect much higher utilization of specialized life settlement software such as Settlewerx and others.
8) Smaller Providers While the big players aren't going anywhere, expect the trend of boutique providers serving smaller pockets of money and niche investors to continue into 2011.
9) Asian Investment US and European investors are the stalwarts of US life settlement investments. In 2011, expect to see more capital coming from Asia and the Middle East, which are relatively untapped sources of investment capital. Newly established offices and initiatives in that part of the world should begin to produce new funding sources in the coming year.
10) Broader Buying Parameters While cherry picking great policies at a discount was the name of the game in 2010, expect 2011 to bring a broader approach to buying. With increasing competition for policies, buyers will have to consider cases that might not have otherwise received bids in 2010.

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Posted in: Featured