Anti Aging Skin Care Product Secrets Revealed

Rule #1: Look beyond the claims of the productWhile advertising is a huge influence in the skin care market, it is important to be wise in dealing with the claims of any one particular product. If the product claims to reduce fine lines and eliminate wrinkles are these claims supported by reviews of real people who have used the product and seen positive results?One tip is to look for products that stimulate collagen production as over time, this can bring about dramatic and changes in the skin’s appearance. In addition, a product which contains a good moisturizer is crucial to relax skin tension and lock the moisture in.Rule #2: Don’t worry about the presence of any one ingredientWith so many competing creams on the market, there’s bound to be some degree of separation in which ingredients they all contain. Instead of getting fixated on which product a skin cream “must” contain, try to see what any individual product can bring to your skin care routine.It’s probably too much to ask for any one skin care product to be a “magic pill” for your skin, but by using a combination of products that attack the problem from different angles its easy to see how by using two or even three good skin care products your skin can easily benefit from the compound effect of all the extra nutrients and ingredients.Some really great nutrients for skin care include Silica, Zinc, Omega-3 acids, Selenium and Vitamin C and antioxidants.Rule #3: Avoid IrritantsOk, so while it can be good to have a range of essential nutrients in your skin care regime, there are definitely some skin care products that you would do well to avoid. Products that irritate the skin can actually increase wrinkles and weaken the skin against protection from environmental damage, such as UV from the sun’s rays, which is most definitely NOT what you want!The best advice here is to test. Even the slightest tingling or uncomfortable feeling on the skin resulting from using a product is the first sign of skin irritation. If this happens to you then my advice is strongly to stop using that product immediately! There are many alternatives on the market and the risks are simply not worth the cost.Once again check the product reviews and see what others are saying. This could save you a lot of trouble in the long run.Rule #4: Look for products that compliment your skin typeGetting to know your skin type can save you a lot of time in choosing the right products for you. This is actually a lot easier than you might expect. Basically, skin types can be broken down into four key groups: Normal, dry, oily and sensitive. There is also a combination skin type, although this is less common. Your skin will probably fall into one of these categories or have characteristics which make it more one than the other.(One quick tip here, if you are having trouble undermining your skin type, it could pay to to visit a dermatologist who can easily tell you which category your skin type fits into.)With this in mind, match the right skin product to your skin type and it will not only leave your skin feeling more fresh and nourished but will avoid any harmful influences that may occur from using the wrong product on your skin.In addition to this, remember to use the product on all areas of your skin that are exposed to the sun. It’s often overlooked that it’s not only the areas around the eyes and mouth that need attention. Your neck, hands and even parts of your body such as your knees and elbows may also benefit from some tender love and care!Rule #5: Don’t Expect Results OvernightThis goes back to the promises and claims you will see that accompany many skin care products. If I found a product that was a “miracle cure” for skin care I’d be absolutely thrilled about it! The truth is that a skin care product works in connection with your daily routine and is not really an isolated cure all by itself. You still need to protect yourself from the sun and keep on practising all the good habits which lead to healthy looking skin.That’s not to say that you can’t see tangible results and have great success with the right product. After all, skin care needn’t be difficult and it’s certainly possible to see positive results in a matter of weeks with the right product.Typically, in 2-3 weeks you should start to see some benefits to your skin, although for the best results a more prolonged use is recommended. Using the right product for a few months can literally transform the skin’s appearance.The benefits of a good anti aging skin care product include smoother and more radiant skin, a more even skin tone and less reduction of wrinkles and fine lines. Not only are these goals achievable but thanks to the recent developments in the cosmetics industry they are now also within anyone’s reach.The truth is that anti aging skin care needn’t be expensive or take lots of hard work. However, there is also a LOT of information out there and it can often be tricky to sort out what works from what doesn’t. So, to give you a head start, I’ve put together a free report of neat tips that can help you to have softer, smoother looking skin which feel great in the shortest time possible!First, head on over to How To Have Perfect Skin (that’s the blog) and sign up for my FREE skin care report. You’ll get access to all kinds of info, packed with skin care tips and advice for younger looking skin.Second, browse around the site for more skin care tips, techniques and reviews of and anti aging skin care products that have proven results.Third, take the plunge! By making healthy lifestyle choices and choosing the right product you could start to see significant results towards younger looking skin in less time than you might expect.

Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

Pop Quiz Commercial Real Estate Investing

I read once that if you took all the real estate lawyers in Illinois and laid them end to end along the equator – it would be a good idea to leave them there. That’s what I read. What do you suppose that means?I have written before about the need to exercise due diligence when purchasing commercial real estate. The need to investigate, before Closing, every significant aspect of the property you are acquiring. The importance of evaluating each commercial real estate transaction with a mindset that once the Closing occurs, there is no going back. The Seller has your money and is gone. If post-Closing problems arise, Seller’s contract representations and warranties will, at best, mean expensive litigation. CAVEAT EMPTOR! “Let the buyer beware!”Paying extra attention at the beginning of a commercial real estate transaction to “get it right” can save tens of thousands of dollars when the deal goes bad. It’s like the old Fram┬« oil filter slogan during the 1970′s: “You can pay me now – or pay me later”. In commercial real estate, however, “later” may be too late.Buying commercial real estate is NOT like buying a home. It is not. It is not. It is NOT.In Illinois, and many other states, virtually every residential real estate closing requires a lawyer for the buyer and a lawyer for the seller. This is probably smart. It is good consumer protection.The “problem” this causes, however, is that every lawyer handling residential real estate transactions considers himself or herself a “real estate lawyer”, capable of handling any real estate transaction that may arise.We learned in law school that there are only two kinds of property: real estate and personal property. Therefore – we intuit – if we are competent to handle a residential real estate closing, we must be competent to handle a commercial real estate closing. They are each “real estate”, right?ANSWER: Yes, they are each real estate. No, they are not the same.The legal issues and risks in a commercial real estate transaction are remarkably different from the legal issues and risks in a residential real estate transaction. Most are not even remotely similar. Attorneys concentrating their practice handling residential real estate closings do not face the same issues as attorneys concentrating their practice in commercial real estate.It is a matter of experience. You either know the issues and risks inherent in commercial real estate transactions – and know how to deal with them – or you don’t.A key point to remember is that the myriad consumer protection laws that protect residential home buyers have no application to – and provide no protection for – buyers of commercial real estate.Competent commercial real estate practice requires focused and concentrated investigation of all issues material to the transaction by someone who knows what they are looking for. In short, it requires the exercise of “due diligence”.I admit – the exercise of due diligence is not cheap, but the failure to exercise due diligence can create a financial disaster for the commercial real estate investor. Don’t be “penny wise and pound foolish”.If you are buying a home, hire an attorney who regularly represents home buyers. If you are buying commercial real estate, hire an attorney who regularly represents commercial real estate buyers.Years ago I stopped handling residential real estate transactions. As an active commercial real estate attorney, even I hire residential real estate counsel for my own home purchases. I do that because residential real estate practice is fundamentally different from commercial real estate.Maybe I do “harp” on the need for competent counsel experienced in commercial real estate transactions. I genuinely believe it. I believe it is essential. I believe if you are going to invest in commercial real estate, you must apply your critical thinking skills and be smart.POP QUIZ: Here’s is a simple test of YOUR critical thinking skills:Please read the following Scenarios and answer the questions TRUE or FALSE:Scenario No. 1: It’s Valentine’s Day. You are in hot pursuit of the love of your life. A few weeks ago, she confided in you that all she ever dreamed of for Valentine’s Day was that her lover would show up at her door, dressed in a white tuxedo with tails and a top hat, and present her with a beautiful bouquet of flowers. You’ve rented the tuxedo, but now you are concerned about how much money you are spending.TRUE OR FALSE: Since flowers are pretty much all the same, it is OK for you to skip the roses and show up with a bouquet of fresh yellow dandelions.Scenario No. 2: For several years you eyesight deteriorated to the point where you can barely see your alarm clock. You are now considering corrective eye surgery so you won’t need glasses. Your sister-in-law had corrective eye surgery and has had spectacular results. She recommends her eye surgeon, but mentions the cost is about $5,700 for both eyes and that the surgery is not covered by insurance. A few years ago, you had surgery to correct your hemorrhoids and it cost you only eight hundred bucks.TRUE OR FALSE: Since surgeons all went to medical school and are all medical doctors, you are being frugal and wise by asking the surgeon who performed your hemorrhoid surgery to perform your corrective eye surgery.Scenario No. 3: Several years ago, when you first got married, you asked a former classmate who is a lawyer to represent you in the purchase of your townhome. The cost was only $375. A year later, you started a family and decided you needed a Will. The same attorney prepared Wills for you and your wife for a total cost of $700. You started your own business and your attorney friend formed a corporation for you and charged you only $600 plus the cost of the corporate minute book. Years later, when your son was arrested for misdemeanor reckless driving, your attorney friend handled the criminal case and got your son off with supervision for only $1,500.Your business has been successful and you have built a pretty sizable nest egg, but you are tired of working for every dime and want to try investing in real estate. You have your eye on a strip shopping center. It includes a grocery store, bank, hardware store, dry cleaners (on a month to month tenancy), a couple of fast food restaurants, a gift shop, dental office, bowling alley (with a lease about to expire), and wraps behind a gas station/mini-mart on the corner. The purchase price is $8,000,000, but the net operating income looks pretty good. You figure if you turn the bowling alley into a full service restaurant/banquet facility, and convert the dry cleaners into a 24-hour coin laundry, the net operating income will increase and the shopping center will turn into a spectacular investment. You plan to pull together much of your life savings and put down $2,000,000 to buy this strip shopping center, borrowing the balance of $6,000,000. You remember that your lawyer friend handled the purchase of your home several years ago, so you know he handles real estate.TRUE OR FALSE: Commercial real estate is the same as residential real estate [Hey, its all dirt, isn't it (?)], so you are being a shrewd businessman by hiring your lawyer friend who will charge much less than a lawyer who handles shopping center purchases several time a year. [What is this "due diligence" stuff anyway?]ANSWERS:If you answered “TRUE” for any of the foregoing ScenariosSTOP!The Quiz is over.Please find a quite place to reflect upon your life and consider whether the decisions you make consistently give you the results you desire.If, on the other hand, you understand that the answer to each of the foregoing questions is FALSE, I am available to help you in Scenario No. 3.For Scenario No. 2, you should follow your sister-in-law’s suggestion and contact her eye surgeon, or some other eye surgeon with equal skill.For Scenario No. 1, you are on your own. [But, if you answered TRUE for Scenario No. 1, you may be FOREVER on you own.]Investing in commercial real estate can be profitable and rewarding – but it requires good critical thinking skills and competent counsel.You have a have a brain. It is strongly recommended that you use it.

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