Victoria Beckham Revealed Her Manicure Secrets
English fashion designer and singer, Victoria Beckham is the mom of four children, and she still looks stunning in makeup, unique hairstyle, and perfect manicure. She shared her nail care secret with her fans on Instagram and said that paying attention to your cuticles (dead skin at the base of nails) is most important if you have to maintain great nails. Victoria also gave an opportunity to her fans by recording herself when she visited her favorite top Los Angles’s manicurist Tom Bachik.
Tom Bachik has maintained some famous nails of Hollywood including Salena Gomez, Heidi Klum, Kim Kardashian, and Jenifer Lopez. Besides suggesting great tips to Hollywood personalities and other people, he also suggests using baby electric nail polisher for infants rather than using adult nail maintaining gadgets. Victoria’s Instagram stories show that all these actresses’ nails were maintained with colors and she writes, “Always key to really pay attention to the cuticles.” Tom adds: “So what I’d like to do is keep the nails short and strong, really focus on a clean shape and making perfect meticulous cuticles.”
Also, click here for some DIY cuticle oil recipes.
In a clip, Victoria showed her pretty baby pink nail hue which was looking a gorgeous fresh shade of spring. She said in the clip, “So we’ve gone for a pale pink color which feels like a fresher take on a neutral, which is something which is quite significant to me. It goes with everything and also I’ve had my nails cute really, really short as well.”
Victoria also shared her experience with Tom Bachik in one of her Instagram stories. She said that Tom is the best nail technician she has ever visited. So whenever she feels her nails and cuticles need to be maintained, she visits Tom.
Who Should Consider Buying a Universal Life Insurance Policy?
Universal life insurance is a type of permanent life insurance policy. That means it covers you for life and comes with a cash value growth component. Once you build enough cash value, you can withdraw from or borrow against it. You also receive the full value minus surrender charges if you surrender the policy. Universal life insurance also lets you increase your death benefit or decrease your premiums, providing you with more flexibility.
All these features make universal life insurance a good potential investment for many types of people. With that in mind, this article will cover several circumstances where getting a universal life insurance policy can be helpful.
1. Those who need lifelong coverage
Universal life insurance offers lifelong coverage as long as you stay current on your premium payments. That means, unlike with term life insurance, you don’t need to worry about your policy expiring.
Another benefit to lifelong coverage is that you can lock in your premiums for the rest of your life. Life insurance premiums rise with age, but once you buy life insurance, your premiums remain fixed unless you adjust them within your policy.
2. Parents with multiple children
Raising a child can cost an average of almost $13,000 per year. Plus, parents may have to save money for each child’s college education. This can make it challenging for one parent to raise multiple children if their partner passes away — even if both partners earn incomes.
Universal life insurance can help alleviate these worries. If you pass away, your partner will receive a substantial death benefit to replace your income, pay off debts, and set aside money for the future.
Thanks to the cash value, universal life insurance can also help you raise your children even if you don’t pass away. Over time, your cash value may grow quite large. You can withdraw from or borrow against it at favorable terms and low rates. This offers you the funds to pay for family expenses and potentially cover your children’s college educations. Finally, if you ever need to change coverage to save money on premiums or up your death benefit, universal life insurance lets you do that.
3. Those who want to build wealth
A universal life insurance policy’s cash value can offer a source of wealth for policyholders. As mentioned, you can withdraw from it when it grows large enough, although you must be aware of any tax consequences. Y ou can also borrow against it at low rates. However, you must make sure the loan balance doesn’t grow larger than the cash value, or the policy could lapse. Finally, if you decide you no longer need life insurance and surrender the policy, you can receive all of your cash value minus surrender charges.
In any case, this cash value can offer a significant source of wealth when used wisely. You could use the proceeds to refinance or pay off debt, supplement your retirement funds, make large purchases, travel, and more.
The bottom line
Universal life insurance can fit many people’s needs. It offers lifelong coverage, which allows you to get a policy early and lock in premiums without worrying about coverage expiring.
Families with many children can find it useful as well. You can rest assured that your partner and children will be protected if you pass away. Plus, you can use the cash value to help cover childcare costs and future expenses, like education.
Finally, anyone who wants to build wealth could find universal life insurance helpful. You can withdraw or borrow from the cash value to travel, pay off debt, boost your retirement funds, and more. So, consider looking for universal life insurance if any of these describe your situation and financial needs.
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