Healthy skin is probably the most important aspect of natural beauty-enhancement. Below you will find the top 10 best skin care tips. Though there are certainly more than 10 important tips to getting the most beautiful skin possible, this skin care tips list is limited to the top 10 that cover the critical points of skin care. Here they are:1. Know Your Skin Type. Determining your skin type is the first thing that must be done because it will determine the products you choose and the daily regimen that you will follow. There is no one product that will suit every skin type. Your type will be classified as dry, oily, or combination. Look for products that specifically deal with your particular type.2. Drink Plenty of Water. This cannot be stressed enough. Drinking lots of water will keep your skin moist and will aid in your overall health. Your skin is the biggest organ of your body and it requires a lot of water in order to be at its best. This is one of the most important tips for overall best skin care.3. Cleanse the skin twice a day. Every day we are exposed to dust, free radicals and outside pollutants that can damage our skin. Even though our skin doesn’t look “dirty”, we must be sure to cleanse regularly and twice a day is the recommended amount. When bathing or cleansing your face, use lukewarm water instead of very hot or very cold water because both of those may damage the skin as well.4. Treat your skin gently. Scrubbing the skin or exfoliating too often is not good for your skin. Never rub, but gently massage the cleanser into your face using upward circular motions. As you age, the skin loses its elasticity and rubbing it or pulling it can actually cause the skin to sag.5. Use a moisturizer. Dry skin looks bad because it’s not getting the proper nutrients that it needs. The dryness will actually cause your outer layer of skin to crack which results in an unattractive look. Choose a moisturizer that is right for your skin type and apply it over damp skin. Also ensure it’s a good quality product that contains the necessary nutrients for best skin care.6. NEVER use body soap on the face. This type of soap is meant for use below the neck. Only use cleansers that are made for the face because they are much more gentle on your skin.7. Use Sunscreen. This point cannot be stressed enough. Using sunscreen will protect your skin against the harmful UV radiation from the sun. You may think that if it’s cloudy that you don’t need sunscreen, but that’s not true. Skin cancer can be caused by exposure to UV rays so don’t forget this very important skin care tip.8. Exercise and get plenty of sleep. Both are essential for great skin and overall health. Lack of sleep and lack of exercise are both causes of sagging skin and wrinkles. Both exercise and sleep will help you to overcome any stress in your life which makes you look and feel better.9. Don’t ignore skin conditions. Be sure to pay attention to your skin and if you notice any abnormalities, consult your dermatologist immediately. It’s best to find out what the condition is before you start self-diagnosing and treating it yourself, which could lead to more problems.10. Try to beat stress. Though we all have stress in our lives, there are ways to lessen it. Understand that stress is harmful in so many ways to your health and to your appearance. It will harm the skin as well so be mindful of this and try to do things to help lessen the stress in your life.
Mobile And Manufactured Home Loans And Financing For Seniors
I am a Professional Housing Consultant (P.H.C.) certified by the Manufactured Housing Association and have spent many years in the manufactured home industry as a sales representative /sales manager for retail sales centers. Because of my vast experience, I would like to share some financing tips with seniors like myself. Let me begin by going back about ten or fifteen years ago. The
manufactured home industry was booming. There were many finance companies available all of which were competing for your business. They would finance almost anyone at a high interest rate and with little or no down payment. The retailers would take almost anything and show it as a down payment and highly inflate the value. As a result this category of customer would have no investment in their home. To make matters even worse the communities were offering free lot rent for one year or more.Most of us in the industry knew what was going to happen. However, no one knew when
it would happen. It eventually came to pass in the ’90′s…….a large majority of these owners simply walked away and let their homes be repossessed by the finance companiesAs a net result of all these repossessions most of the finance companies either went bankrupt or stopped lending to any mobile or manufactured home owner. Many retailers also went out of business. I happened to work for the largest manufactured home retailer and manufacturer in the world at that time. They also had to file bankruptcy and ended up going out of business.Now let’s talk about the good part of the industry, seniors like you and me!Many of us secured our home investment by either paying cash or putting down a substantial down payment with the result being that most of us are enjoying our investment and our
lifestyles today.However, those unexpected bills or rising costs keep coming in. There are a number of seniors that have had to leave their comfortable homes and go live with their children.
Many have had to give up the activities they like to do. Some have lost a spouse and some income.Let me explain how I handled my situation as unexpected bills came in.FirstI located a finance company that wanted my business.This information is available at my websites listed at the bottom of this article.SecondI borrowed fifty thousand dollars on my home with payments amortized over thirty years with interest only payments for the first seven years.ThirdI paid off all my bills which amounted to about eight thousand dollars.FourthI opened an interest bearing savings account, depositing five thousand dollars. This cash would be readily available for any emergency that arose.FifthI put thirty-seven thousand into a high yield certificate of deposit.Now, for more good news………The finance companies, by law, cannot age discriminate just because you are a senior.I will be one hundred two years old when my mortgage ends.My out pocket expense is
no higher now than it was before I refinanced.You may go to any of my websites while still on line to see if financing or refinancing is right for you. This will direct you to the companies I recommend. There also is an excellent insurance contact on the site. I received three quotes from them and put my car and home owners insurance with the same company and therefore saved a substantial amount of dollars on the home insurance.These websites contain all the information you will need to make a wise decision.Free Finance or Refinance
QuoteFree loan or insurance Quote [http://www.homeowners-choice.com]
What Are The Greatest Changes In Shopping In Your Lifetime
What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.
As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.
That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.
Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.
Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.
Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.
Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.
That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.
Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.
Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.
My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.
Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.
And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.
All Things Fresh
So there were very many common services such as home deliveries like:
• Farm eggs
• Fresh vegetables
• Cow’s milk
• Freshly baked bread
• Coal for our open fires
Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.
Another used to come every day with fresh vegetables, although my father loved growing his own.
Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.
Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.
My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.
The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.
Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.
Our insurance company even sent a man to collect the weekly premium.
People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.
In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.
Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.
• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.
• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.
• Not many written shopping lists, because mobile phones have taken over.
On a more optimistic note, I hear that book shops are popular again after a decline.
Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.
We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.
Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.
My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.