| How to Make Your Nose Appear Thinner With Makeup Posted: 12 Apr 2016 05:00 PM PDT If you want to make you nose appear thinner, there are tons of makeup tricks that you can use! Learning about contouring, blending, and how to draw attention away from your nose with makeup will all help to create the illusion of a smaller nose. With a little practice, you'll be in love with your new nose in no time! EditUsing the Right Makeup Products - Get the right makeup brushes. To make your nose appear thinner with makeup, you'll need the proper makeup brushes. You'll need your foundation brush, a small, angled brush to contour and shape your nose, as well as a fluffy blending brush or beauty blender to soften lines. Using the proper brushes will help your makeup to look natural and well-blended.[1]
- Purchase good highlighting products. To highlight your nose, use a luminous concealer that is 1-2 shades lighter than your natural skin tone or foundation. If you want to add a shimmery highlighter to your nose, do it after you've applied all of your other makeup. Sometimes shimmery highlighters can draw unwanted attention to your nose, so use them lightly or not at all.[2]
- Buy a darker powder or foundation to contour with. To make your nose appear smaller, you'll need to use darker shades of makeup to create shadows. These shadows will make your nose appear thinner, and will look natural once blended. Choose a powder, eyeshadow, or foundation that is about 2 shades darker than your skin tone.
- Get a contouring kit. If you're unsure of the types of highlighters and darker contouring makeup to buy, invest a little more money to get a contouring kit. Contouring kits are used by both beginners and professionals, and they make sculpting your nose with makeup much easier. Contouring kits can be purchased at professional makeup stores or at local convenience stores.[3]
EditContouring Your Nose - Start by putting on your foundation. Before you contour your nose, you'll need to apple your normal foundation. Apply your foundation as your regularly would, including your nose. You'll contour your nose on top of the foundation. This will help your makeup look more natural once you blend everything together.
- Apply the highlighter to the bridge of your nose. Apply a thin line of highlighting concealer down the center of the bridge of your nose. Start at eye-level, and stop about half an inch before the end of your nose. This will create the illusion of a smaller nose. You can use your finger or a small, angled brush to apply the concealer.[4]
- Add the darker makeup to the sides of your nose. Use your contouring pencil or take a thin, angled brush to draw lines down the sides of your nose. Start near the inner corner of each eye, and shade straight down to the end of your nose. The closer you put your lines to the center of your nose, the thinner your nose will appear. Practice until you find your desired width of your contoured nose.
- If you have wide nostrils, add a bit of this darker shade to your nostrils as well[5]
- Blend, blend, blend! Once you've applied your foundation, highlighter, and darker contour, it's time to blend everything together! The beauty of contouring is that it creates an illusion, so your makeup should look as seamless and smooth as possible. Take your blending brush or beauty blender and gently blend your makeup. Use circular, outward motions to blend the lines of your contouring together.[6]
EditDrawing Attention Away From Your Nose - Contour the rest of your face! Creating the illusion of more pronounced cheekbones and a thinner face will help take the attention away from your nose. Use the same products to highlight your cheeks and draw contour lines diagonally on your cheeks. Like you blended your nose, use your brush or beauty blender to blend the rest of your contouring.[7]
- Use blush and bronzer. If you don't want to go full out with contouring your entire face, you can use products like brush and bronzer to draw attention away from your nose and onto your cheekbones. These products will help you get a more natural look while still adding additional pigments and highlights to your face.[8]
- Draw attention to your eyes and lips. If you don't want the attention to be on your nose, use makeup to enhance your lips and eyes. Wear a bright or shimmery lipstick or gloss, as this will make your lips standout. If you want your eyes to be the focus, add a bit of eyeliner and mascara to your beauty routine.
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| How to Calculate Bond Accrued Interest Posted: 12 Apr 2016 09:00 AM PDT Accrued interest on a bond refers to the the interest that has been earned but not yet paid since the most recent interest payment. At the end of this accrual period (typically six months or a year) bonds generally pay interest. These are known as "coupon" payments. Depending on the bond, interest can be calculated in different ways. They all use what's called a "day-count fraction" or DCF. This refers to the number of days in a month or year, a number that is standardized for any given bond. For example, many bonds calculate interest by allocating 30 days to a month and 360 days to a year. Others may use the actual number of days in a month and year. To calculate your accrued interest, you must first know which of these methods is used for your bond and then do a few simple calculations. EditGathering Your Information - Determine the day-count convention on your bond. The day-count convention (DCC) determines how the day-count fraction (DCF) is found when calculating accrued interest. The day-count convention on your bond is defined in the accompanying indenture (contract). [1] For example, 30 days in a month and 360 days in a year would mean a DCC of 30/360. Other bonds, especially U.S. government (Treasury) bonds, calculate interest using the exact number of days in a month and year. Such a DCC is sometimes referred to as "actual/actual" or "ACT/ACT."
- In practice, bonds can also use a combination of these two DCCs, with such possible DCCs as 30/ACT and ACT/360. In practical terms, the convention used will make very little difference in terms of interest earned. Double-check your bond indenture to be sure. [2]
- Confirm the interest rate and payment frequency on your bond. Your interest rate, also called the the coupon rate, specifies the amount of interest you earn on the bond annually as a percentage of your par (or "face") value. The payment frequency signifies whether your bond pays interest once a year or more often. Bonds typically pay interest either annually or semi-annually (once or twice per year). [3] This information can be found within your bond indenture.
- For example, your bond might pay a 6% coupon rate twice per year. In this case, the annual interest rate would be 6% divided by the number of payments within the year. Thus, a 6% bond that pays interest twice per year would effectively pay 3% of the par value for each of the two payments during the year, or 6% total.
- Find when the most recent coupon payment was made. Search your records to see when your bond made its latest coupon payment. This information is available from the financial institution that sold you the bond.
- Calculate how many days have passed since the most recent coupon-paying day. This will depend on your DCC, as the passage of days is calculated differently in each type of bond. Generally, if your bond is actual/actual, you will actually count the days. If your bond is 30/360, you would use those numbers for each month or year that has passed. [4]
- Let's say you have a 30/360 bond, and exactly two months have passed since your latest payment. You would simply multiply 2 x 30 and use 60 days in your calculations, regardless of how many days there actually were in the elapsed months.
- Confirm the face or par value of your bond. This is the amount paid to the holder of the bond at maturity (when the interest payments stop). [5] This will be stated clearly on your bond indenture.
- Note that the par value may be more or less than what you actually paid for the bond originally. Market price is affected by the existing rate environment and the bond issuer's creditworthiness. [6]
- Bonds are often valued at $1000. That would be the par value even if you paid slightly more or less for it.
EditCalculating Bond Accrued Interest Manually - Know the equation for bond accrued interest. It's simpler than it looks: [7]
- "A" is the accrued interest earned. This is the figure you are solving for.
- "P" is the par value of the bond.
- "C" is the annual coupon rate or interest rate. For our purposes it should be expressed as a decimal. Simply take the interest rate shown in the bond indenture and divide by 100 to produce the decimal equivalent.
- For example, a 6% rate would be expressed as 0.06 (6/100).
- "F" is the payment frequency (or number of payments per year). This would be 2 for semi-annual payments or 1 for annual ones.
- "D" is the number of days since your latest coupon payment.
- "T" is the total number of days in a payment period. This would be 360 for annual payments and 180 for semi-annual ones.
- Input your variables. Simply put all of the above information into the appropriate places in the equation. Double-check everything to make sure it's expressed correctly.
- In the above example, we will use a bond with a par value of $1000 paying a 6% coupon rate semi-annually with a 30/360 DCC. Two months (60 days) have passed since the last payment, so "D" is 60. The total days in the payment period is 180, because payments are made twice per year (360/2=180).
- The sample equation with all variables included would look like this:
- Find the period interest rate. This simply means dividing the coupon rate by the payment frequency. This reflects the interest rate earned in each payment period. In the equation, this is C divided by F.
- In our example, this calculation would give a rate of 0.03. The equation will look as follows after this calculation:
- Calculate your day-count fraction. Divide the number of days that have passed since the latest payment by the number of days in your current payment period. This is the final part of the equation.
- In the example, this calculation would be 60/180, or 0.333. The equation should now look like this:
- Determine the value of your accrued interest. Multiply the DCF by the face value of your bond to get the value of your accrued interest or coupon payment. You are multiplying the face value by the coupon rate by the day-count fraction.
- In the example, this would be
- Which simplifies to
- The answer is then $10. Your bond has earned $10 in accrued interest over the selected time frame.
EditCalculating Bond Accrued Interest in Excel - Open Excel and create a new sheet. Start Excel on your computer and start with a blank sheet so that there is no other information to distract you.
- Enter the names of the variables in the first column. For this calculation we would enter the current date, most recent payment date, DCC, par value, and coupon rate. Put these variables on separate lines down the first column of the spreadsheet. "Current date" goes in A1. "Coupon rate" lands in A5.
- Input the variables. Next to each variable name input the actual values. Make sure that these values are entered correctly. In other words, the dates are entered as dates, percentages as percentages, and monetary values as such. Otherwise, the program will not calculate the result properly. In our example, we use the following variables:
- 3/31/2016 as the current date in cell B1.
- 1/31/2016 as the last payment date in cell B2.
- 0 as the DCC in cell B3. This indicates that we are using the 30/360 DCC. Inputting 1 indicates the actual/actual DCC.[8]
- $1000 as the par value in cell B4.
- 6% as the coupon rate in cell B5.
- Create the YEARFRAC function, and input the values. The function needed to calculate bond accrued interest is known as the YEARFRAC function. Click on a nearby empty cell and type "=YEARFRAC(" to get started. The system will prompt you to input variables.
- Click on cell B2.
- Type in a comma to move to the next variable.
- Click on cell B1.
- Type in a comma to move to the next variable.
- Click on cell B3.
- Close the function with a parenthesis.
- Multiply the function by the par value and coupon rate. In the same cell as the function, after you've closed the function, you must multiply it by your other two variables. Simply type in "*B4*B5" directly after the function, with no spaces anywhere.
- Your completed entry into this cell should look like this: =YEARFRAC(B2,B1,B3)*B4*B5
- Press enter and get your answer. The program will solve your equation when you press enter on the cell that contains your function. Be sure to adjust the type of number in the cell to "currency" by selecting it at the top of the page under "number." This will ensure that your answer is displayed correctly.
- In the example, this function yields $10, which is exactly the same as it was in our manual calculation.
- FINRA also has a useful calculator at http://apps.finra.org/Calcs/1/AccruedInterest.
- For an easy approach, look up the security in Bloomberg. Enter BXT or SXT and complete the screen displayed. The interest will be calculated for you.
- Do not be confused by the different percentage rates calculated and used. Remember that when you do your first division calculations and end up with a percent, that percent is not the total annual or semi-annual rate; it is a percentage of the total percent paid in interest. In other words, 20/360 = 0.556 or 5.56 percent, which, in turn, is multiplied by the annual or semi-annual rate to get the rate for the period in question.
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| How to String a Lacrosse Stick Posted: 12 Apr 2016 01:00 AM PDT Stringing a lacrosse stick by yourself is an important part of improving your lacrosse skills as you work towards professional lacrosse playing. It will help you become a better player. This tutorial explains the process involved so that you can practice this yourself and show the team how far you've come! EditStringing a top string - Fold the top row of mesh over the second row. Do this as shown in the picture.
- Thread the top string through the top hole on the sidewall. Then put the string through the first mesh hole in the first row.
- Loop the top string back through the same top sidewall hole. This will ensure that the mesh is sitting as tight as possible to the sidewall.
- Check the fit at this stage. This image shows what the lacrosse string should look like after you have looped it through.
- Feed the top string through the first big hole.
- Loop the top string back around and come through the second mesh hole. However, this time stay to the far right of the mesh hole.
- Wrap around the top string and put the top string through the third mesh hole. Don't pull too tight because you need to leave room for the next step.
- Bring back the top string through the big hole in the lacrosse head.
- Pull the top string through the loop and pull tight.
- Repeat this three more times. If you go back and notice you did everything wrong then try again.
- Wrap the top string around the top hole of the sidewall and under the last mesh hole.
- Take the top string and feed it through the same hole. Pull it tight and knot it.
- Check your work thus far. You have completed the top string, which is the hardest part of stringing a lacrosse head.
EditStringing the sidewall of a lacrosse stick - Place the sidewall string through the sidewall hole right below the top string. Then pull the sidewall string through the next mesh hole down from the top.
- Take the sidewall string and place it through the next mesh hole.
- Place the sidewall string through the next sidewall hole and tighten.
- Repeat the previous two steps, but skip a sidewall hole.
- Repeat the previous step.
- Change the approach from the prior steps at this point. In the above steps, the mesh is pulled as tight as possible, to give the ball a popping effect when you shoot or throw. You don't need that this low on the sidewall, so place the sidewall string through the next mesh hole but through the bottom.
- Skip a sidewall hole and place the sidewall string through the next hole. Then pull to tighten. Repeat the last step and this step for the next three holes in the sidewall, but don't skip any holes because this will allow the pocket to be low in the mesh. Low pockets are good for cradling one-handed, which is helpful if you are an attack man.
- Place the sidewall string through the last mesh hole and the string through the last sidewall hole. Then pull tight and make a knot.
- Now you have strung the sidewall of a lacrosse stick.
EditStringing the bottom string of a lacrosse stick There are many different ways to string the bottom string, but some people like to pull their bottom string as tight as possible. This helps overcome any rain issues, such as a too damp mesh sagging. - Tie one end of a string and place it through the far left hole, then through a mesh hole of your choice. Choose a mesh row pretty far down; it is recommended that you count 20-22 rows down.
- Thread the string through to the other side.
- Place the bottom string through the last hole to the far right and then knot the string. You have now completed the bottom string of a lacrosse stick.
EditBreaking in new mesh - Break in new mesh by pounding the heel of your foot into the mesh. This technique is effective for breaking sticks in. After you have broken the new mesh in, re-tighten the sidewalls and bottom string. Needle nose pliers are good for doing this.
EditShooting Strings - See if you need them. Not all meshes come with shooting strings built in. If that is the case, you'll need to lace your own. You can use nylon shoelaces. Thicker is better.
- Secure one end. Loop the shooting string through the mesh near one sidewall, with one end in front, and one end in back.
- Pull the strings so that they are even.
- Weave the shooting string. Push the back string through the mesh to the front, and then the front string to the back.
- Repeat the weaving process across the basket. When you reach the other side, slip the string through the sidewall, and tie a knot to secure it.
- Add 2 more, and you're good to go!
EditThings You'll Need - Lacrosse mesh
- Sidewall strings
- Lacrosse head
- Scissors
- Lighter for frayed strings after being cut
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