Simple Facial Skin Care Tips to Improve Your Skin

The face is of utmost importance in skin care. Facial skin care involves several aspects like care of the general facial skin (the cheek and the forehead), care of the eye-region (puffy eyes) and care of the lips (because lips have specially sensitive skin). A facial skin is generally divided into two broad regions by dermatologists. The first region or the T region encompasses the forehead, the nose bridge, the lips and the chin below the lips. The cheeks and the region beneath the eyes comprise the other main region of the facial skin.The significance of such differentiation in facial skin care regions in most evident in those with a combination skin type. A combination skin type is one of the five classifications of skin types of a face. The other four types are normal skin, dry skin, oily skin and sensitive skin. In a combination skin type, generally the T region is oily and the other region is drier and less oily. The preliminary aspects of a facial care are outlined below.* Cleansing: The skin of the face should be clean. Since face is most exposed to the weather so cleansing is a very necessary part of a facial skin care schedule. Face cleansing is usually done with face packs and cleansing milks. The face packs and the cleansing milks of the facial care can be of both cosmetic and organic origin. The skin being an extremely sensitive canvas, it actually depends upon the person to decide what type of face pack will work best for the skin. Milk is an ideal example of a fulfilling facial care cleansing ingredient. However, while cleansing it is important not to over-cleanse the skin. This is because excess cleansing can even clean away the natural oil secretions that help to naturally moisturize the skin.* Exfoliating and scrubbing: Since the facial skin is always generating a certain amount of dead cells, so exfoliating and scrubbing ensures that the skin is free from the roughness that the dead cells can cause. Face scrubs with tiny grains are more effective as they are more alike the natural grain of the face. Face scrubs with bigger grains can scrub away more than just the top layer of dead cells. Organic options like a half teaspoon of fine grained sugar and flour thrash also act as good scrubbers and are of considerable importance in facial skin care.* Moisturizing and sunscreen: moisturizing the skin is important in facial skin care whether you have normal, oily, dry, combination or sensitive skin. Water is a basic ingredient of causing softness in the skin and moisturizers (cosmetic and herbal) helps to retain this moisture onto the face. Repeated splashing of water on the skin, especially after an exposure to pollution and dirt, ensures that these harmful elements do not get the time of settling down on the facial skin. Sunscreen is an equally important aspect in facial care. Sunscreens help by screening away the harmful UVA and the UVB rays of the direct sunlight.Xtend-Life offers a variety of facial skin care products in both the men’s skincare and women’s skincare categories. The special ingredient Cynergy TK used in all the xtend-life products make the products suitable for all skin types and is especially suitable in fighting the wrinkle lines on the face. Cynergy TK works in synchrony with other active skin care ingredients, like the potent nano-antioxidant Nanobelle Q 10 to make the skin feel younger and fresher.Also, the Xtend-Life anti-wrinkle products has another special organic component called Phytessence Wakame, which is an extract of a specific Japanese Sea kelp. This component inhibits the harmful enzyme hyalurinidase and boosts the generation of hyaluronic acid in the skin to its adequate limits. This assists in making the skin much more younger.The facial skincare products in the women’s category are Age Defense active day cream, Whitening day cream, Restorative night cream, the Eye Contour Serum and the two types of cleansing and moisturizing masks. The deep Active Hydrating Mask and the Deep Active Cleansing masks are available in the men’s category as well. The other two active skincare products for men are Age Defense Active Facial Fluid and the Eye Contour Serum.

US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

Twitter Facebook Linkedin
US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

Commercial Truck Financing – How is the System Structured?

First there are the captive finance companies. Think of them as the financing arms of all the major manufactures. They exist solely to provide financing to the public in an effort to sell their trucks. In the past they have been somewhat liberal in their underwriting criteria and like the mortgage industry perhaps too liberal. This relaxed underwriting of the past has caused serious defaults today. This has resulted in a subsequent tightening of credit. The end result is the selling of less trucks and trailers; customers have a harder time getting financing. Nonetheless, the captive financing company will always be part of the commercial truck financing game.Second are the independent financing companies. They are not tied to the manufactures in any way. They exist to make a profit from financing commercial trucks and other equipment. They can be a welcome alternatives for several reasons. First they can be someone to turn to if a good credit customer is “tapped out” with the captives. This means they have already financed trucks with the captive financing companies and they don’t want to do anymore for the customer (at least for now). These “A” credit sources are competitive on rate with the captives and, using different independent sources, a customer can finance an unlimited number of trucks. Independents are great for other reasons too. Say a customer wants a TRAC lease with different parameters than what the captives are offering. They can search for an independent that can tailor a TRAC lease for that customer. This is invaluable for the more sophisticated customer that has tax structure as their main objective. Here’s another one, we have customers calling us all the time that may only work nine months out of the year. They need financing that can offer skip payments. This way the customer can make nine payments a year instead of twelve; taking three months off of making their payments. One last one that hits home with us, the customer with bad credit. A captive financing company generally works only with people with good credit. For the customer with bad credit, their choices are limited. Thanks to independent financing companies (like ours) that specialize in customer with bad credit; these customers can get the financing they need to start or grow their business. Think of independent financing companies as offering financing products that can accommodate almost any need.The third financing arm for commercial truck financing is the in-house financing program. Usually offered by the smaller vendor, in-house financing offers benefits for both dealer and customer. By offering financing in-house the dealer is able to move more inventory than if he didn’t. This is important because a smaller dealer doesn’t always have a captive finance program. And with credit tightening up the independent financing companies are becoming less important. The dealer can act like an independent financing company by offering all the same products while keeping the benefits of earning interest on the trucks they sell. The bad side, of course, is they also suffer in the case of defaults where the customer stops making payments. The benefits to the customer is they have a one stop shop where they can finance a truck at the same place they are purchasing it from. Downside is they are limited to their inventory.This information will help you become a more educated consumer. By know who the players are you can better approach how to finance that commercial vehicle. Good luck!