u/Competitive_Emu_3247

I'm a total newbie to personal finance and would like to open a lifetime ISA account.. I heard moneybox is the best platform for this, but I would like to know more about any fine print or hidden fees before I go ahead with opening the account.. I mainly would like to know:

1. Which LISA account would be better (cash versus stocks and shares)?

2. What are the fees for each of those types?

3. If I choose to open a cash LISA for now, can I later on switch to a Stocks and Shares one?

4. Are there any other platforms aside from moneybox that you'd recommend?

I got the RMS powder blush after a long period of hesitation (it's not exactly cheap, and the swatches online seem vastly different for the same shade).

Anyway, I got the shade Hanky Panky.. Ever since I got I think I tried wearing it about 10 times, each time with a different technique to try to get it to work: with or without foundation underneath it, on top of cream blush or on its own, two different brushes... Nothing works! No matter what I do, it ALWAYS ends up looking patchy and uneven and weird.. I never had that issue with any base make-up item I ever owned..

The formula also has this weird characteristic where, because it's very dry and doesn't pick up easily on the brush, you end up either picking up way too little, or you try hard so you puck up too much.. And when you apply it to your face, it either doesn't show up at all or, after building it a couple of times, your cheeks suddenly are super red! It's hard to explain, but it's very strange to me..

Am I missing something? Am I doing something wrong? For those who own this blush and love it: how did you get it to work?