Skin Care Do’s and Don’ts for Perfect Skin

Before the age of 25, you have the skin your mother gave you. After age 25, you have the skin you gave yourself. Evidence for the truth in this skin care mantra can be seen in the faces of women all around you. Up until their mid-twenties, most women enjoy naturally vibrant, glowing skin. As the thirties approach, however, the skin begins to lose its elasticity and suppleness.Fortunately, there are certain preventative measures you can take to keep your skin looking its best. Furthermore, certain products (such as Clarisonic’s deep pore cleansing system) can help you uncover your most radiant skin. Make the skin care dos listed below a part of your daily skin care regiment in order to see radiant skin for decades to come. On the flip side, by avoiding certain harmful skin care no-nos, you can prevent your skin from looking wrinkled and tired as you age.Skin Care DosDo wear sunscreen. Everyone loves to feel the warmth of the sun on their skin, but remember that UV rays can cause wrinkles, sunspots and even skin cancer. Take care of your skin by applying sunscreen whenever you anticipate being out in the sun, even if only for twenty minutes. As a bare minimum, apply sunscreen to the face, chest, neck and hands, as the skin on these areas is generally the most sensitive to UV rays. A product such as Uber Dry Sunscreen SPF30 by Peter Thomas Roths.Do eat healthy foods. Food writer Michael Pollan’s book In Defense of Food advises readers to, “Eat Food. Not too much. Mostly plants.” Pollan’s simple, liberating approach to diet is certainly healthy for your skin as well. Vegetables and fruits are chock full of antioxidants, or special chemical compounds that break down cancer-causing free radicals in the body. Free radicals also cause cell damage to the skin. For healthy skin from the inside out, include colorful vegetables and fruits with every meal, and especially aim to ingest plenty of vitamins C, E, A and beta carotene.Do drink plenty of water. Water flushes out toxins and improves circulation. Drinking 64 ounces (eight glasses) of water every day will keep your skin looking soft and supple. Additionally, it’s good to have a couple of versatile moisturizing products on hand for those days when you know your water levels are low. For instance, after a night of heavy drinking, you might notice your cuticles drying out, causing painful, unsightly hangnails. This is a sign that there may be other areas of dry skin that need a little TLC.Rather than buying a whole shelf of separate moisturizers for occasions like this, it’s best to have a few go-to products that will perk up your skin every time. A product like Smith’s Original Rosebud Salve, for instance, can be applied to dry lips, minor burns and patches of rough skin, such as on the knees and elbows. And best of all, Rosebud Salve is easy to keep on hand for whenever a skin care emergency pops up, since it is packaged in a small, round tin.Do apply eye cream. The skin around your eyes is some of the most sensitive, delicate skin on the entire body. Take care of it (and avoid those telltale crow’s feet!) by applying a daily eye cream. In case you’re looking for a recommendation, check out Peter Thomas Roth’s Un-Wrinkle Eye, which consumer studies have shown reduced wrinkle size up to 72% in just 28 days.Skincare Don’tsDon’t smoke. If you need motivation to quit, just take some time to examine the skin of long-term smokers. Yellow, papery skin with plenty of wrinkles around the lips – this is what smoking will earn you. Quit. Today. Your skin will thank you for years to come.Don’t skimp on moisturizer. Moisturized skin is happy skin. Indeed, you’ll notice that just after applying moisturizer, your skin will naturally plump up – sometimes enough to fill in those pesky wrinkles. Apply moisturizer when your skin is still damp from your shower or bath – this will lock in moisture and keep your skin looking plump and healthy all day long. Body oil is an especially luxurious way to moisturize your skin. Like all oils, Patyka’s Absolis Precious Woods body oil creates a barrier layer that moisture cannot penetrate.Don’t be sporadic about your skincare. Cleanse and moisturize every day to offset the pollution and other toxins your skin is exposed to on a daily basis. Whatever skincare products you choose to apply, use them religiously. An investment of just five minutes in the morning and five minutes in the evening can make a huge difference for your skin over a lifetime.One way to encourage yourself to complete your skin care regimen is to invest in enticing products that make you excited about taking care of yourself. For instance, it’s hard to put off using a Clarisonic Mia skin care brush, when just one daily application of your Clarisonic brush leaves skin looking almost brand new. (The Clarisonic brush vibrates back and forth more than 300 times per second, which thoroughly cleans skin and leaves pores so open that they actually absorb other skin care products better.)In the end, your daily skin care choices will determine how youthful (or aged) you appear as the decades march on. Nurture your skin by following the dos and avoiding the don’ts listed above, and you’ll enjoy perfect, healthy skin well into your golden years.

Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.