Are you a saver?

Whether you own a hair studio or make-up and design studio, one day you will eventually retire and need to have savings.  Unfortunately our industry is not filled  with savers and unless you are one of the few who have religiously saved money over the years, when you retire and no longer have the ability to work, the question is will you have enough money to live comfortably?

This question scares most because the answer is usually “no, I’m not a saver and live paycheck to paycheck.” The good new is it’s not too late for most and you can change and become a saver. If you just invested $10 dollar a day or the cost of one trip to Starbucks over 30 years that seemingly small investment would be worth $733,239 if it just got 8% a year return. Most any well managed mutual fund has a shot to get that if not more over such a long period of time.  Compounding interest over the long term is the secrete.  This site has free calculator that you can plus in numbers and project savings over time, click here.

Okay, you have saved well so don’t lose it!

An often over looked financial planning tool that wipes out billions of savings each year is the high cost of needing long term care at home or in a nursing home. If you are that saver who has saved $100,000 or more congratulations so you might want to think about insuring that investment. The department of Health and Human Services division did a study and found that people 65 years and old have a 50% chance is needing long term care before they die. Why is this stat important? The average annual amount of money spent on long term care is $55,000 per year. As you can see if would not take too many years to blow through most if not all of your savings.

What you can you do to plan?

There is a little know insurance product that use to be exclusive just for the rich called Long Term Care Insurance. Now, companies have stated creating Long Term Care Insurance products that the average person can afford. Of you have Long Term Care Insurance and need say home care, as opposed to having to spend your hard earned dollars on care, this insurance will pay that bill. A wise man once said to spend pennies to protect dollars.

If you don’t have a financial pro to talk to, go get one!  These people are critical for helping you grow your wealth and keep it!

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Let’s face it, not all women know how to apply makeup on properly. A lot of respectable figures in our society have their own makeup artists to do the styling for them. Because it is important for these women to always look their best, they have to hire people who actually know what they are doing in terms of beauty and cosmetics. The availability of vast selections of makeup brands online and at department stores is not enough for women to actually know what to buy and how to use it. This is the primary reason why makeup artists are important in our society.

The professionals who groom and style women for the important events in their lives, such as graduation ceremonies, coming out parties, weddings, etc. are responsible for helping their clients look put together and elegant. While it’s easy to put casual and regular daytime makeup on, big occasions that require a more polished look are an entirely different story. There are additional factors to consider such as the event’s dress code, the color of the attire and even the time when it will be held. These are all complicated things that women who do not have expert makeup application skills may find hard to take into consideration and to accomplish.

Celebrities rely on makeup artists to look great too. Even though most of them look good without makeup, they would look plain in the magazines, on television and in the movies if they don’t have their trusted MUAs to work their magic and transform the average into the extraordinary. In addition, putting on makeup can be a long and tedious process, so having someone else to do it makes it a whole lot more fun and relaxing. Makeup artists have big roles to play in the entertainment industry, and this is why they are paid big sums of money to do what they do best. We can easily say that MUAs make plenty of women look more beautiful and feel more confident too.

In the wedding industry alone, choosing a good makeup artist is one of the biggest and most important decisions the bride has to make, especially if the entourage is included in the package. The versatility of makeup artists allows him or her to handle the hair and makeup of all clients, regardless of the many different hair and skin types out there. That popular “natural look” that makes the bride glow on her wedding day is also thanks to her makeup artist.

Models also rely on makeup artists before their photo sessions. This is probably one of more challenging aspects of a makeup artist’s career because it requires a heavy dose of patience, endurance and creativity. Indeed, many industries would not be as successful as they are today without the presence and availability of makeup artists. They bring creative ideas to life with their brush strokes and bobby pins and these ideas inspire other women to realize their own beauty and enhance their gorgeous features to gain more confidence and self-worth.

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