Have you ever looked at the ingredients list of the skin care products and skin care cosmetics that you buy and got confused by the undecipherable terminologies used? Just as it is important to consider the ingredients of your skin care products, it is important that you know what the terms and jargon are. So here is a handy list of common buzz words of the skin care market.AntioxidantsThey are powerful nutrients that prevent free radicals from causing damage to the skin cells. Free radicals are actually unstable oxygen molecules that take away electrons from their surrounding molecules thus creating a chain reaction and damaging the skin. Antioxidant rich skin care products can enhance the skin quality.Chemical SunscreensUnlike regular sunscreens (referred to as physical sunscreens that block the UV rays of the sun) chemical sunscreens absorb the ultra violet radiation. Popular chemical sunscreen ingredients are Avobenzone, Oxybenzone, Octisalate and Octinoxate.Collagen and ElastinThey are protein fibers found within the skin cells that are responsible for the skin structure and elasticity. Collagen supports the skin tissues and keeps it firm and taut while elastin allows the skin to stretch and strain without getting ruptured. As we grow old, the levels of collagen and elastin fibers deplete thus leading to the formation of wrinkles and fine lines.EmollientsThey are special ingredients that help spread and keep other agents of the skin care product on the skin. They help lubricate the skin and protect the barrier function of the skin. They lie on top of the skin surface and trap in the moisture. In this way, emollients help to prevent dehydration.Essential OilsDerived from herbs, essential oils have an extensive range of skin care benefits. They are often included in skin care products to deliver a soothing and stimulating feeling to the skin. However, it is not advisable to use essential oils during pregnancy.HumectantsThese are the ingredients that attract moisture to the skin and thus soften skin’s surface. Because they help to keep the skin moisturized, they are effective in diminishing the appearance of wrinkles and fine lines that are a result of dehydration.HypoallergenicThis term is used to describe ingredients that do not or are less likely to cause any allergic reaction on the skin.KeratinFound in all the layers of the epidermis, this protein fiber that protects the skin against a range of stressors. Hard keratin is found in hair and nails. In fact, the epidermis is comprised of 95% of dead keratinocytes. This is why it is necessary to exfoliate the skin on regular basis in order to scrape off the dead-skin layer and reveal the fresh new skin cells underneath.Free RadicalsAggressive oxygen atoms that have lost an electron, and are therefore unstable. They must then look for an electron from other atoms, which can cause a damaging cascade effect.NoncomedogenicThis is a common term used for skin care products that do not clog the skin pores or cause comedones.Open Comedones/ Closed ComedonesOpen comedones are whiteheads while closed comedones are blackheads. They are a result of accumulation of dirt and debris within the skin pores and subsequent blockage of the same.Physical SunscreensThese sunscreens reflect off and scatter the UV rays of the sun when they reach the skin surface. Physical sunscreens are advisable for people with sensitive skin. Common ingredients of physical sunscreen are Titanium Dioxide and Zinc Oxide.ParabensThey are the artificial preservatives used in skin care products in order to prolong their shelf life. Though they are important to prevent the development of micro organisms in skin care products, but they can be harmful for the skin. It is not advisable to use products that contain a large concentration of parabens. Smaller concentrations of the same are safe though.Stratum CorneumThis is the outermost layer of the skin. Skin cells that are formed within the deeper layers of the skin take about 28 days to reach the stratum corneum. The cells in this layer are all dead and require exfoliation to clear off. However, even though the cells are dead, they form the first line of defense for our skin. They prevent water loss and protect the skin from environmental toxins and UV rays.SurfactantsThese ingredients help to reduce surface tension between skin and the skin care product that you apply and enable it to spread better.
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.
Payday Loan – Its Benefits and Comparison With a Personal Loan
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.