Naomi Campbell - Vogue China January 2009

Photographed by Mario Sorrenti. She looks a little different in the face, don't you think?

Ciara in ELLE Magazine - January 2009

Beyonce may have landed the cover but Ciara definitely got the more interesting spread inside January's wafer thin issue of ELLE magazine.

It seemed a little odd to me for the issue to feature two pop/r&b divas but I guess ELLE wanted to kill two birds with one stone without actually resorting to hiring a black model. Poor Ciara didn't even merit a mention on the cover.

Here she models pieces from MaxMara's new collection. I could have gone my whole life without seeing that purple jumpsuit. Seriously some of this stuff looks like it was fashioned together using what fell on the floor in Jim Henson's Muppet studio.

Photographed by Dulsan Reljin and styled by Christopher Niquet

Unemployment Health Insurance

One of the most painful parts of losing a job is having to deal with replacing your health insurance. Most people feel unprepared to select and enrolling in this type of health insurance even though most of us will have a handful of interruptions in employer-provided health insurance over our full working career. Employer-provided health insurance expires on the last day of the month of termination of employment. Enrollment in an unemployment health insurance is never automatic and must be addressed within a short time after termination of employment.

Types of coverage

While unemployment compensation is provided through the government, unemployment health insurance is provided through commercial health insurance companies. The term "unemployment health insurance" is generic and therefore may refer to one of several available insurance programs. Some people who work for larger companies have the option of continuing their same health insurance for up to 18 months by paying the full cost of this coverage plus an administrative fee. This is commonly known as COBRA coverage. In some cases a similar program called "individual conversion coverage" is available. In either case the burden of enrollment and full payment of premiums is solely the responsibility of the terminated employee. Despite the obvious advantages in simplicity and continuity of coverage, few people can afford this option.

The most popular type of unemployment health insurance is short term major medical insurance. Despite the name, this insurance can span several years or longer and eligibility requirements are minimal¹. This insurance offers flexibility with high coverage limits. Policies can be renewed month-to-month from one month to six or twelve months. The two most important features of this coverage are that it is valid with all doctors and hospitals in the U.S. (no network required) and it provides a Certificate of Creditable Coverage² to be used with your next employer's health insurance policy. This is important because it ensures that the new coverage immediately takes over the cost of treating pre-existing medical conditions.

Specialty insurance can be used in specific situations and regular individual major medical insurance is suitable when it is unlikely that there will be other employment in the future and the applicant is financially stable.

Shopping Tips

Plan to enroll in a bare-bones coverage rather than a fully loaded policy. Most people avoid incurring voluntary medical expenses while they are not employed so this insurance is primarily designed to cover large unexpected medical expenses. Also, because of the uncertainty of unemployment, it is smart to select an insurance that is less expensive than you think you can afford.

Short term medical insurance is priced at about 1/3 of the cost of your former insurance or COBRA option. For a typical employee, this means that the total cost of the unemployment health insurance will be approximately the same as the amount you were contributing to the employer's health plan through salary-deductions³. Using his guideline, it may be psychologically comforting and aid in your personal financial planning to know that the total out-of-pocket cost of health insurance remains relatively constant from the period of employment to the period of unemployment.

All of the following insurance products provide strong protection against catastrophic losses and provide a Certificate of Creditable Coverage to ensure payment for pre-existing medical conditions on your next employer-provided health insurance plan. The price of the coverage varies and some products are better suited for specific situations. We suggest narrowing the list to two or three choices and then get online quotes for each product.

Use the online enrollment options available. This is faster and safer than a paper application and offers immediate confirmation of coverage.

Insurance Choices

All of the following choices are available a MedSave.com. They are grouped according to price range although price varies from one person to another based on location of residence, age, and sex.

Lowest cost unemployment policies - Celtic Insurance STM and UnitedHealthOne Golden Rule Insurance STM are often the least expensive insurance plans to cover a gap in group health insurance. Some of these plans keep cost down by using a "per cause" deductible rather than a single policy deductible.

Mid-range unemployment policies - Secure 3x12 (36 month) short term medical insurance, and Health Savings Account qualified health insurance for long term coverage.

Higher priced unemployment policies - Blue Cross, Aetna, Cigna, CelticCare

Special Situations

When specific medical conditions or circumstances exist then additional sources should be checked to determine the best coverage options. The special situations are: 1) when significant medical conditions, including diabetes, high blood pressure or high cholesterol exists, 2) applicant is a resident of MA, NJ, NY or VT, 3)non-US citizens, 4) residing in the U.S. les than a year, 5) previously declined for health insurance coverage, 6) applicant is overweight or 7) coverage is needed outside of the U.S. In all of these cases, see the article titles "Short Term Medical Insurance for Special Situations".

Individual help in selecting the best value insurance is available through OnlineAdviser at onlineadviser@short-term-medical-insurance.com.

Footnotes

¹ See the article "Am I Eligible for Short Term Medical Insurance" and "How Long Can I Be Covered by Short Term Medical Insurance" for details.

² See the article "Understanding a Certificate of Creditable Coverage" for more information.

³ This assumes that the average employee contribution for employer-provided coverage is about 40% of the total cost.

Celebrity Haircut: Celebrity Haircut and Face Shape

There will always be celebrity haircuts that will look best on you regardless of the shape of your face. Year 2009 is just at the corner, if you are someone who would like to have a new haircut in coming year. Here's a quick guide of what celebrity haircuts to look for for five different face shapes.

Oval Face Shape
This is considered the ideal face shape by hair experts. You suit virtually any hairstyle, whether it is long, medium or short. Regardless of how long your hiar is, you'll look best with layers near your cheekbones, lips or chin. Basically whichever feature you want to highlight. Short or long styles will look best when brushed or held back from your face otherwise you'll cover your face shape behind the hair. Long side swept bangs are ideal as they can be worn to the side, parted in the middle or sprayed back.

Celebrity like Kate Hudson, Jessica Alba, Jada Pinkett Smith, Isha Deol and Yukie Nakama are fall into this oval face shape.

Kate Hudson long wavy haircut

Jessica Alba ponytail haircut

Jada Pinkett Smith's Long Curly Haircut

Long Face Shape
Some others called Oblong face shape. Whatever it's call, hairstyles for this long face shape should add width and fullness to the sides of the face and around the eyes, ears and cheekbones. If you have straight length asymmetric haircuts also look great on this face shape as they create the illusion of width. Likewise, curly or wavy styles can give the illusion of balanced width. Your best hair length is halfway down the neck. If you do opt for longer hair, it's advisable to cut in a few longer layers, especially the length is mainly at the back.

Celebrity like Sarah Jessica Parker, Ashlee Simpson, Giselle Bundchen and Sandra Oh are in this long face shape.

Sarah Parker's Long wavy haircut

Ashlee Simpson's long Straight haircut

Round Face Shape
The goal here is to get a hairstyle that makes the face look slimmer. Long hairstyles should be worn with a face lengthening centre parting. For hair above the chin, wear an off centre parting to brek up the roundness of the face. Soft, graduated layers are flattering because they make your face appear slimmer and tend to remove bulk and weight from the sides. Creating volume at the top of your head and keeping your forehead bare will also slim your face. Bangs should be long or side-swept. In short styles, keep hair away from your face and create extra volume at the top of the head to narrow the roundness of your features. Razored ended can also create a look of lightness.

Celebrity like Kate Bosworth, Cameron Diaz, Kirsten Dunst are all in this category.

Cameron Diaz's Long Layered haircut

Kirsten Dunst's Prom Haircut

Square Face Shape
If you have a square face, you'll want to soften the sharp angle of your jaw. Hairstyles that emphasis the cheekbones are the most flattering, go for short layers worn forward onto the cheekbones. Medium to long haircut can help reduce and soften the squareness of the jaw while hair turned under at teh bottom will narrow the width of the jaw. Curly and wavy hairstyles soften a square face as they round off the angles of the face. You can also get away with short spiky cut and long, sleek haircut.

Celebrity like Gwyneth Paltrow, Demi Moore, Mandy Moore, Rosario Dawson are all fall into this category.

Gwyneth Paltrow's Long Bob Haircut


Demi Moore long haircut

Mandy Moore's medium haircut

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Technorati Tags: Celebrity Haircut, Celebrity Haircut Tips, Oval Face Shape, Round Face Shape, Long Face Shape, 2009 Celebrity Hairstyles

Naomi Covers MIXTE and Numero Magazines

Love her or hate her, Naomi is still among the hardest working women in the game. Here she is on the November 2008 issue of Numero (in the YSL harem pants that she can't seem to live without) and the December 2008 issue of Mixte. I would kill for just one of the fabric covered bangles she's wearing there.

Thanks Richard for the heads up :)

Celebrity Haircut: Top of the Braids

I am sure you come across various braid haircuts wear by celebrities. Braid haircut is in fact a flattering, sexy style for lady with medium to long hair. There are many braid styles you can choose from, such as French braids, plain braids, top braids and many more.

Let run through two of the more popular braid haircuts by celebrity lately.

Pretty Garland
This look is an excellent alternative to bobby pin to keep hair off your face. It's so elegant, it even make Kirsten Dunst look like a screen siren. Start with freshly-washed hair, add gel for hold and blow dry. Pick a tiny section of hair from the right temple just above the ears. Braid hair sideways across to the opposite side. Tuck in the end into the rest of your do, be it a bun, chignon, normal curly or ponytail.



Beach Babe Haircut
A fuss-free way to wear layered hair. Pull hair back into a low pony and braid the ends. Tease ends and give it a blast of shine enhancing spray to gloss up. When you take the braid out, it'll leave hair in tousled waves.


Some hairstyling tools that you might require for these braids hairstyle.

1. Redken Full Frame 07 Protective Volumizing Mousse for Medium Control 2.0 Oz. Travel Size

2. Alfaparf Milano Semi Di Lino Cristalli Illuminating Mousse Flexible Hold 8.45oz/250ml

3. Nioxin Smoothing Reflectives Silk Elixir, 5.1-Ounce Bottle (Pack of 2)

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Technorati Tags: Celebrity Haircut, Braids Haircut, Pretty Garland, Beach Babe

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