Wednesday, September 26, 2012

i hate acne



Raise your hand if you have acne? For real. Stick your hand up in the air!
Keep your hand up if you have tried:
ProActiv
skinID
Clinique
AcneFree
Differin
Accutane
Any antibiotics
Over the counter products
Any prescriptions


Keep your hand up if none of them worked.....

My hand totally stayed up. To say I have tried EVERYTHING for my acne would be the understatement of the year. I went to the extreme and used Accutane and it worked… for a little while.
I have had acne since I was 12 years old and since I’m almost 23, it really blows. Nothing can affect a girl confidence like terrible skin.
There are days that I literally cry about how awful my skin is and there have been times where I have taken an exfoliant and scrubbed like I was cleaning a very dirty pot. I have tried 5 different dermatologists and every time I leave one of their offices I am depressed. It sucks.
I have a VERY strict skin regimen and I never sway from it. I have always tried to take care of my skin so you can imagine the frustration I feel when I know girls with perfect skin and I knew they don’t wash their faces.
On top of that I am VERY fair. Like Porcelain, lightest make-up, I can see through you fair. So my scars are literally highlighted.
Anyway, I thought I would share with you the regimen I have been using and for the most part it works pretty great. I am not a dermatologist and don’t claim to be, I just want to offer another “hope” for those who struggle with acne.
One day, I started to think that maybe I was over treating my skin and should try to go more basic. I mean it can’t be good for you to literally be burning your skin with chemicals.

Every morning and before bed:
 I wash with an everyday, plain Jane, cleansing cream. I decided to go back to the basics. (CVS $4)

In the shower:
I use a “natural” exfoliant with acne meds in it (CVS $6)

During the day:
I use an oil-control light moisturizer that is formulated for acne prone skin. This little bottle costs $17 a pop but I love it and, to me, it is worth it. (CVS $17)


 Before bed:
I use a thick moisturizer meant for sensitive skin. Cetaphil is pretty basic and does the job. It is used for people with very sensitive and dry skin. It’s worth the money. (CVS $15)

After I wash my face at night:
I apply a benzoyl peroxide cream. I apply it to a clean, dry face and let it soak for a minute before I put on. (CVS $6)

I remove my make-up with these  pads. (Target $4)

As you can see, not all of my products are acne fighters. My mom always says that “more isn’t necessarily better” and I finally took her advice. It’s also important to note that EVERYTHING I use is Oil-Free.

For makeup, here is what I use:
Primer - Photo Finish in Light by Smashbox


Foundation - High Definition Healthy FX Foundation by Smashbox (has SPF & Oil free!)

Powder - PUR 4 in 1 Pressed Mineral Powder (I have been using this for over 4 years and love it)


When I don't feel like wearing anything heavy, I use Mary Kay's Tinted Moisturizer


For consealer, I use this stuff. It's ok. Haven't found something I love so this works


When I do wear blush it's usually the Pink Marble by Pur


Let me know if you know some great products I should try out!!!




Oh and here is a picture of me sans make-up. As embarrassed as I am to show the world this, I am happy with where I am at. My skin use to be a lot worse. I am trying to learn to love my skin... so far it's tough going. One day....

Thursday, September 20, 2012

hey followers!

Don't forget to check out my photography blog! Love some love!!

callantinsley.blogspot.com

Tuesday, September 18, 2012

greek chicken pita casserole

Ok, I haven't posted in a while... mostly because I run out of things to post and if I posted 1/2 the things I think about it would get a little weird...

Anyway, thought I would share a recipe!
It takes about 35 minutes to throw together and cook. Oh, and it's super yummy and healthy!


Greek Chicken Pita Casserole (4 servings)
2 chicken breasts, cooked and cubed (canned chicken works too)
2 small-medium zucchini, cubed
½ Tablespoon of minced garlic
1 medium onion, chopped
1 can of cream of chicken
¼ cup of chicken broth
1 small tomato, cubed
1 piece of pita bread
3-4 oz of Feta cheese
Olive oil
Greek seasoning*


1.      Preheat oven to 350 degrees
2.      Combine the cooked chicken, zucchini, onion, cream of chicken, chicken broth, garlic, and seasoning in a bowl.
3.      Pour into ungreased 9in pan
4.      Sprinkle feta and chopped tomato on top
5.      Spray olive oil on both sides of pita, rip into small pieces and place on top.
6.      Sprinkle Greek seasoning on top
7.      Cook for 20 minutes

*If you don’t have Greek seasoning around the house, you can use a mixture of pepper, onion powder, and parsley.

Enjoy!

(This meal got two thumbs up from my husband... so it must be pretty good ;)

Thursday, September 6, 2012

why should 20-somethings have wills?


On Monday, I declared it a lazy day. Full of TV shows, movies, and not getting out of my PJs. I had a super busy weekend and wanted to really relax.
While looking though Netflix instant, I noticed a movie “cover” with Kate Hudson on it. I do love me some Kate. I clicked on the movie, read the plot, and figured why not. The movie, A Little Bit of Heaven, is about a care-free woman who gets life changing news. Be warned: I cried... and I’m not a big crier!
Then, that night I had a nightmare that my husband found out he was dying and was trying to get his affairs in order. I literally woke up and didn’t know if it was a dream or not. Thankfully, Vincent was snoring next to me and I realized it was a dream. But how awful!?
It got me thinking. If either of us were to suddenly die or get a terminal diagnosis… would we be ready? I’m not talking about spiritually, I’m talking financially.
I, along with many other women, do rely on my husband’s income. When we said “I do,” we decided that Vincent would be the main provider and I would work until we have kids. If Vincent were to pass away suddenly, I would be “ok” financially because he has maintained the life insurance that he had in the Marines. We both know that we would return any heirlooms to the respectful family and how to handle “final” wishes.
But we are only 23.
It may seem crazy that we have put so much thought into life after death but to me it makes perfect sense. My father died unexpectedly at a young age and as the main provider, we had a lot of changes thrown our way.  At 20, Vincent was in a severe motorcycle accident that could have killed him. I think it IS important to plan ahead and plan for the worse.
Don’t think you are too young to worry about your will and finances. And just because you don’t have kids, doesn’t mean you shouldn’t make plans if something were to happen to the two of you.
Also, believe it or not, but if something happens to you and you don’t have a will, there isn’t a 100% guarantee that your belongings will go to your spouse. Check the intestacy laws of your state because your parents and siblings might get a part, if not all, of your property. While intestacy is not necessarily recommended, it is certainly helpful to know where you stand.

Five reasons people without kids need to have a will:
1.       Untimely deaths: Of course we plan and dream to spend the rest of our lives together but life doesn’t always go as planned. If both of you pass, you need to leave your estate (no matter how big or small) to someone or it goes to probate. Generally, if your spouse passes, all assets go to surviving spouse, dependents, parents, or children respectfully.
2.       Medical emergencies: What if one of you is in a serious accident… What are your beliefs on life support and other serious medical decisions (like a Do Not Resuscitate/extreme measures)
3.       Financial emergencies: Like I said, Vincent is in charge of finances for us. What if he got hurt or died and I had to figure all that out? If you don’t have a Power of Attorney, I would look into it. We have one from when Vincent deployed but I highly recommend them regardless.
4.       Avoid heavy taxes: If you don’t have a will or estate plan, your family could pay thousands in lawyer fees and taxes.
5.       Peace of mind: You have a little more control over who gets what. It's not always cut and dry, my word is the only way, but having a will can provide clarity after death. To insure the clear & best outcome for interested parties, talk to an attorney. 



What is a basic will?
-         A basic will covers just that – the basics. If you don’t want your property to get tied up in probate or anything of that nature, a basic will will prevent it. Most people can have a basic will and it is plenty.

What does it cover?
-         It covers who the executor is, names the person left to care for kids, and the person in charge of managing property(s).  You can list your terms, if you like.

When will a basic will not be enough?
-         If you have children from different marriages, are divorced, or have disabled children it couldn’t hurt to have your last wishes spelled out more precisely. Also, consider if you think someone may contest the will or if you may owe estate taxes. Be sure to do your research. Also, DO NOT BE AFRAID TO SEE LEGAL COUNSEL. This is a critically important thing and an attorney can make sure that all of your wishes are honored after your death.


How do I go about getting a will?
-          You can meet with an attorney (Best option)
-          Suze Orman has some great tools and forms for purchase
-          You can write your own and have it witnessed by two people (know the risks)

So where to start? Here is my outline for the will Vincent and I have come up with.
1. State that you are of clear mind and state

2. State that you are revoking all other wills and codicils you may have executed before.

3. Name the executor (and secondary executor)
·     Empower to pay all of your just debts, funeral expenses, taxes and estate administration expenses.
·     Authorize to sell any real estate in which you may own an interest at the time of your death and to deal with your real estate as you yourself could do

4. List the beneficiaries:
·     Name
·     Relationship to you
·     Date of Birth
·     Spouses (alive, divorce, and deceased)
·     Children

5. Property – where applicable, make sure you know whom you want your property to go to
·     Pets (I know- property!? Well in the eyes of the law that is exactly what they are)
o   You can use a Pet Trust to ensure the pet has certain provisions (housing, vet care, etc)
·     Land
·     Home
·     Cars & other vehicles (boats, motorcycles, etc)
·     Timeshares
·     Etc.

6. Financial –
·     Check who is the beneficiary and keep it updated
o   Retirement
o   College funds
o   Life insurance
·     Put into a trust
o   Bank accounts
§  Savings
§  Checking
o   Other investments

7. Medical
      ·     Requests in regards to Extreme Measures (Do Not Resuscitate, Life Support, other medical care, etc)

8. Personal (optional) I listed these on our will because we do have some important items that we want to go to specific people
·     Jewelry
·     Electronics
·         Souvenirs, Collectables, Hobby interests
·         Photo albums, scrapbooks
·         Clothing
·         Art Work
·         Furniture
·         Family Heirlooms



Now what?
After you finish listing out your wishes, sign it and make copies. Give the copies to your executor and other prominent parties.


Vincent and I don’t have a huge net worth so a basic will does suffice. When kids enter the picture, our wishes will change dramatically (as in they get it all) but until then it’s nice to have some since of control.

I'd like to reiterate how important it is to have a will and to discuss these matters with your spouse or/and loved ones. Life is short and we are not guaranteed tomorrow. 
On a related note: This video has gone viral. It is about a gay couple who were not married and didn't have a will. I am not making a political statement with this video, I am simply drawing a connection to the importance of a will for everyone.


DO YOUR RESEARCH, KNOW YOUR RIGHTS, DON'T BE AFRAID TO ASK QUESTIONS OR SEEK HELP!! :)






**DISCLAIMER**
I am not a licensed attorney and am not acting as one. A law school student did review my post but again, this is a blog, not a college textbook. The information provided is on a personal basis and should not be taken for absolute law. Always do your homework and consult an attorney.   I take no legal resposibily for anything in the post. I just want to help us young couples take care of our stuff and loved ones. Also laws vary from state to state. DO YOUR RESEARCH! :)

And don't leave mean comments. I just want to help! :)