“Everybody can wear gold,” says Julie Redfern, Beauty Editor at Sephora. “It’s all about how you apply it. Take just one feature and apply gold on it. If you choose to apply gold on eye, you can add some golden shimmer to your lips, but you don’t want a golden cheek. I would mix it up a little bit.” Sexy and sparkling gold-dusted eye shadows look great worn by itself or with black eyeliner, and with nude lipgloss or a berry-painted mouth.

Eye is best place to play with golden hues. “Your eye captures most attention, because when you talk to someone, they are looking at your eye,” says Julie Redfern. “And you don’t have to reapply eye shadow!”

Checking in advance on accuracy of information in your credit file could speed credit-granting process, clean credit is a must. A recent amendment to federal Fair Credit Reporting Act (FCRA) requires each of credit bureau`s to provide you with free credit reports, at your request, once every 12 months.

Free Credit Reports, contain information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide credit bureau`s sell information in your credit report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. There are three nationwide credit reporting companies Equifax, Experian, and Trans Union.

Free Credit Reports Now! Everyone in Western states will first be able to order their free credit reports under federal law beginning December 1, 2004. Consumers in other states will be able to order their copies according to a regional roll-out detailed below.

In recent months, consumers have asked FTC for more details about their rights under federal FCRA and Fair and Accurate Credit Transactions (FACT) Act, which established free credit reports program. They’ve also asked about credit reports in general. Here are most frequently asked questions and answers.

Q: How do I know when I’m eligible to get a free credit report? A: Soon free credit reports will be phased in during a nine- month period, rolling from West Coast to East beginning December 1, 2004. Beginning September 1, 2005, free credit reports will be accessible to all Americans, regardless of where they live.