You will find a lot of moisturizer options on the table, or rather, store shelves. There are certain elements you will want your moisturizer to have, especially since you have dry skin that demands these elements. The skin of one person may be drier than the skin of another person, so depending upon how much or how little moisture your skin already has, you may want more of certain ingredients or abilities
Skin Structure Imitators. Some experts out there also refer to these ingredients as water binding agents. Humectants are perfect examples of water binding agents. You need water to remain in your skin, or if the substances between skin cells are drying out, then ingredients providing this benefit can help give back the water that has been lost.
Having these ingredients imitate the structure of your skin can help keep cells and the substances between cells moisturized to stay healthier longer, especially since the water will also be unable to escape, or escape less easily. Your skin can operate as it should because it is not as moisture starved as well as improve your skin surface, changing it from irregular, tight, and flaky to even, elastic, and smooth.
Anti Irritants. Many things can cause irritation. You may not even be aware that something is irritating your skin. All you know is that your skin is dry. But remember; knowing is half the battle. So what might be irritating your skin? Any number of everyday items and environmental aspects can irritate your skin.
Anything from your cosmetics to harsh wind and sun can get your skin in an uproar, or at least a mild one. An anti irritant can help block out irritants as well as allow your skin some down time, giving it a period in which it can heal. If you do not give your skin the chance to repair itself, the problems will only become worse and you will have a longer road to healthy skin.
There are many anti irritants out there you can use to help combat skin irritation. Try looking into natural remedies, such as willow bark and aloe.
Antioxidants. Another form of damage that can be done to your skin is free radical damage. These destructive molecules aid in the breakdown of skin and it is up to you to stop them as much as possible. This is where a good antioxidant can come in. Antioxidants will help repair and prevent this damage from happening by snatching up free radicals, giving your skin a fighting chance.
The ironic catch is that you need to limit your antioxidant moisturizer to air and light or it will begin to break down. However, you can easily avoid this problem by buying lotion that is kept in containers that are not made of glass, clear plastic, or any other material light can pass through.
Cell Communicators. Ingredients that help your skin to behave as it should are slightly similar to the skin structure imitators, except these actively work with live skin cells. Medical journals call these cell signaling ingredients and work has been done that theorizes these substances impart normal behavior upon cells.
Damaged skin cells that reproduce will make abnormal cells, but these ingredients can help communicate messages to these skin cells that let them know how they should be acting. It sounds strange, almost like something you might find in a science fiction novel, but it is very real. Modern medicine is advancing all the time and this is still new technology. There is much to be realized from cell communicating ingredients and the health of skin.
When choosing moisturizers you may also be faced with the conundrum of daytime versus nighttime moisturizers. Do you really need a separate moisturizer for different times of the day? The answer to this is no.
There is no moisturizer that is going to have different and miraculous results depending upon when you wear it. Yes, daytime and nighttime moisturizers will probably have separate ingredients (such as a sunscreen), but as long as they provide your skin with the same benefits as described above, there is no need to split your money or your time when it comes to these moisturizers.
This information should shed some light on the moisturizer labyrinth you may be experiencing. By taking your time, doing your research, and choosing wisely, you should be able to find the one great moisturizer just for you.
In Part I, we discussed the components of the loan that do not require lenders' quotes. The following components of the loan, including interest rate, points, and closing costs can get pretty involved and you will probably need to discuss the different loan options with a mortgage lender. Each lender will have different rates and fees, so I call around to a couple lenders and compare.
5. Interest Rate: The interest rate is variable depending on your credit score, income, and loan type. The higher the credit score, the better the rate. Lenders have cut-offs for what they consider above average, average, and low. If you can be in the above-average group, they will get the best rates. Your income comes into play when they figure your debt-to-income ratio. This is basically a way to measure how much you are bringing in and how much you are spending. At some point, a lender will not create more debt for you than they think you can handle. One thing to consider about your debt is not what the lender says you can handle but what you want to handle. The loan type also has a heavy influence on your rate. A better rate is given to those who will owner occupy the property.
6. Points: Points are paid by the Borrower in order to buy down the interest rate. If you get some insanely low interest rate from one lender that seems completely out of whack from the other quotes, this might be because they are quoting you a rate with points. A point is equal to 1% of the loan amount, and you pay this point as part of your closing costs. So for example, with a loan for $240,000, one point would be $2,400 and that point might buy your interest rate of 6.5% down to 6.25%. Buying down your rate will lower your monthly payment.
When comparing lenders, make sure they all quote you a rate with no points. This levels the playing field so that you can determine who has the best rate without having to do all kinds of crazy calculations.
7. Closing Costs: In addition to points, the Borrower pays 2-3% in loan-related closing costs. The majority of closing costs are lender fees. To demonstrate the price you pay for borrowing money, if you pay cash for a property, the closing costs ends up being more like $300 instead of $6,000 for a $300,000 sales price. The fees you pay include loan origination fees, appraisal fee, lawyer fees, credit score application fee, and document preparation fees.
Ok, so those are the main components of the loan to sort through and compare. Now, the toughest part is to compare lenders and weigh out all the closing costs and points paid along with the interest rates. How do you compare one lender with a 6.5% interest rate with $5,000 in closing costs to another lender who has a 6.0% rate with $8,000 in closing costs? The rate is better but you are paying more for it at closing, so is that $3,000 extra really worth it? To compare this, the lender can provide you with the Annual Percentage Rate (APR), which is the interest rate calculated with closing costs wrapped into it. As long as you are comparing two exact same loan lifes and are putting the same amount down, the APR is the easiest way to determine who has the better overall package.
Both Louise Forrest & Austin Real Estate Team are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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