It is easier for people to gauge the effectiveness of any anti aging skin care review by simply reading the recommendations that evaluate products. Like me, many of these people (and perhaps you) have struggled with lines and wrinkles, especially on the face and want a simple, yet effective system to remove these flaws.Many products, however, require frequent reapplication to make our skin look better and unfortunately, they do nothing to improve the state of our skin. The “improvement” simply lasts until the skin lotion or cream fades or washes away.In this anti aging skin care review, we will look ways to use products that actually benefit and improve your skin, while avoiding those with chemical additives that irritate skin and could make you sick.Anti Aging Skin Care Review Tip #1 – Toxic SubstancesFirst in this anti aging skin care review, let’s consider the chemical additives. Anything you apply to skin is literally ingested by it, which means that it is absorbed through the layers of the skin and makes its way to the blood stream. Parabens are preservatives designed to make skin products last longer. Unfortunately, they are also linked to many cancers and are artificial substances you would never find naturally in the body. Instead, look for natural preservatives such as natural Vitamin E, which also has some great health benefits.Mineral Oils are also known as petrolatum, liquid paraffin, and paraffin wax on the label. These oils clog up the skin’s pores and disrupt the body’s ability to get rid of toxins, and can lead to serious acne problems. It also leads to a faster aging and irritation of skin if used for a prolonged period of time.Fragrances are also another chemical added to most skin products to make them more appealable to consumers. The problem is, these added chemicals irritate skin and detract from the benefits that the product provides. When you really think about it, there is no reason you absolutely have to smell good on every square inch of your body. And if you need to smell good, use a perfume or cologne, preferably on clothing.Anti Aging Skin Care Review Tip #2 – 5 Great Ingredients to Look ForWhen it comes to an anti aging skin care system, natural ingredients are what is most important. Use ingredients such as Nano-lipobelle H-EQ10, which deeply penetrates all layers of skin, helping to replace the Coenzyme Q10 (an energy provider for cells) in skin as we age. It also mentioned in an anti aging skin care review to be highly effective at preventing UV damage.Jojoba Oil is a highly effective oil that is extremely similar to human sebum, which is the oil produced by the skin. With Jojoba Oil, your skin gets the right amount of oil regardless whether you have dry or oily skin. It helps to moisturize and soften skin, while also helping to significantly reduce wrinkles and stretch marks.Natural Vitamin E is in this anti aging skin care review because it’s a well known antioxidant that helps protect skin from damaging free radicals which come from sun exposure and aging. As mentioned before, it is a natural preservative and reduces the appearance of fine lines and wrinkles.Active Manuka Honey is a great skin healer and makes the elastin fibers within cells stronger. It actively supports cell regrowth and regeneration. Additionally, Active Manuka Honey nourishes and rejuvenates skin, making it look softer and younger, and is very effective at penetrating through all of the skin’s layers.Another key ingredient to look for in an anti aging skin care system is Cynergy TK. It is highly effective at stimulating the body to naturally produce collagen and elastin, two crucial proteins when it comes to caring for your skin. Cynergy TK promotes firmness and elasticity in skin while also stimulating new cell growth. It is known for significantly reducing fine lines and wrinkles and making skin smoother and younger looking.That sums up this anti aging skin care review. Keep these ingredients in mind when looking for your next skin care product. Knowing what ingredients to look for and what to stay away from are equally important when it comes to caring for your skin. Take care of your skin and your body, and you will see great results over time.
The Beauty Behind the Lucy Workout Clothes Brand and Why It Will Inspire You
The right workout clothes will inspire you to push a little harder and reach a little farther as you work to attain the physique of your dreams. The two most important properties fitness wear must have are a comfortable fit and proper support. You must be comfortable during your workout so you can focus on your routine versus adjusting your clothing; the fit must be right so that accidental exposure doesn’t become a problem. You also need proper support so you don’t feel exposed or uncomfortable due to too much bounce or jiggle. Lucy workout clothes are the best choice out there because they offer a variety of tops, bottoms and accessories to inspire any fitness enthusiast to lead an active lifestyle.The Lucy brand of workout clothes is a stylishly made, functional line of women’s active wear. The cuts and designs are all very attractive and flattering to the female form without being too revealing. This line is made from materials that allow air to flow through the clothing keeping your skin dryer which helps to keep you comfortable as the sweat really begins to flow. You can easily mix and match the clothes from their line which makes it easy to create many different outfits from a hand full of items.Lucy workout clothes come not only in basic black but in a rainbow of greens, oranges, pinks, purples and blues. This wonderful splash of color adds beauty and vibrancy to this clothing line that is sorely missed from other brands.There are also accessories available that you may need such as sweatbands, headbands, socks and more.
If you have a tough time finding a good fitting outfit, then you have come to the right place. Lucy’s line has clothing in petite to tall, from extra small to plus size. Rest assured if you need tall pants, Lucy will cover your long torso beautifully. If you have a fuller size, Lucy plus sizes will provide you with great coverage and support while flattering your female frame.Lucy has a fantastic online store filled with items on sale and two for one buys not available at their physical stores. If you are not sure of what size you may need, then by all means step out and visit a Lucy store near you. Once you find that perfect fit shop in-store or online. Of course Lucy’s online store has a sizing chart so please be sure to check it out before you make your online purchases.Lucy workout clothes are priced more mid-range when compared to other brands. While they do have pants priced at $100, they also have great high quality pants priced at $20. Most of their clothing is regularly priced somewhere from $30-$80. Of course there are sales and special going on just about every day so check in at their online store often.
Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?
There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.
In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.
But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.
Different Types of Financing
One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.
Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.
But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.
Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.
Alternative Financing Solutions
But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:
1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.
2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.
3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.
In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:
It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.
A Precious Commodity
Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).
Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.
Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?