How to Take Care of Your Face (Females)

Looking great in public is hard. Whether you are trying to look your best for job interviews or just get attention, this is the way. This guide will help you maintain a healthy complexion that will have you looking glowing.

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   The first thing you should do when caring for your face is to get into a routine of cleansing it. Twice a day with your optimal product will fight many of the most common skin problems and leave your face feeling healthy and looking great. Blemishes on your face can be combated by either the use of a product or an organic solution. Deciding which to use really depends on your skin type and acne severity. More sensitive skin may need a gentler product, while less sensitive skin may require a harsher product to see results. Clearasil and Proactive are popular choices for use on acne, though there are countless to choose from at your local drugstore. For those who prefer an organic method, lemon juice, dandelion sap, honey, and other materials have proven to work as well.
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   Take care of facial hair. This ensures a fine facial structure and clean look. Keep your eyebrow lines neat, upper lip hair and chin hair groomed. To trim eyebrows, meet with a professional who can wax or pluck your eyebrows. They really do the best job, and will make sure that you don't take too much off, as this can lead to problems in the future. If you want to do it yourself, take a wash cloth soaked in hot water and press it onto the area where you are about to remove the hair. Then remove the few stray hairs with tweezers. Do this every night before bed for best results.
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   Moisturize. If you have dry skin, you especially need to make sure that your face is getting the moisture it needs. Use a gentle moisturizer to keep your skin feeling soft and glowing.
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   Make sure to drink lots of water. Your body needs plenty of hydration during the day to keep removing wastes and oils from your face. You should probably drink eight glasses of water a day.
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   Don't touch your face. Many people have bad habits of messing with acne or leaning their face on their hands. Your hands have oils on them that will clog pores, increasing blemishes. No matter how tempting it might be, don't pop pimples or interfere with anything facial- though it may seem like it will make it better, it actually makes it much worse and instead of dealing with a two day pimple you now have a two week long project. A tip here is changing your pillow case often- the oils linger on the fabric, getting on your face during the night.
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   Take care of your lips. Use a lip hydrator often and make sure to moisturize your lips. A simple way to do this is to rub a sugar-and-water solution on them and then moisturize, as the sugar removes dead cells and rejuvenates the lips. Keep a stick of lip moisturizer on you at all times and use throughout the day. Be careful not to use too much Chapstick though. Your lips can literally get addicted to the chemicals that prevent/heal chapped lips; they will stop making that chemical themselves, and it's a painful addiction to break!
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   Protect your face from the sun by using sunblock every day. Ultraviolet rays will damage your skin over time and it's essential that you protect your face from harmful radiation. Use a good sunscreen or makeup with sunscreen in it, even a little, before going out, and you will have fresh, healthy skin. Another way to protect yourself is to wear clothing that will cover you, like a hat.

Business Voip Services

VoIP buying guide for small business

The cord-cutting movement isn't limited to consumer cable and Netflix. As Voice over Internet Protocol communication matures and as high-speed Internet becomes cheap and ubiquitous, an increasing number of businesses are ditching conventional landlines and jumping to VoIP.

VoIP sounds almost magical: The hype makes it sound more flexible, more full-featured, and best of all, significantly cheaper than placing your calls through traditional telephone service providers.

But is VoIP really all it's cracked up to be? Are the potential pitfalls worth the potential monetary payoffs? I'll walk you through the basics, discuss the pros and cons, and take a look at three commercial VoIP services of varying complexity.

How to Remove Makeup Properly and Safely

Leaving on makeup longer than necessary can clog pores, especially if it is thick makeup or there is a lot on. Removing makeup as soon as you are finished with it is key to keeping gorgeous skin and avoiding breakouts, especially overnight. However, it can be tricky to make sure all of it is gone.

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   Remove any eye makeup. Use a gentle makeup remover just for eye makeup. 
2. Regular makeup remover can irritate the eyes. Make sure you get most, if not all, of any eyeliner and mascara you had on, as well as some eyeshadow.
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    . seek to previous

   12…6 seek to 10%, 20%, …60%

   
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   Steam your pores. Drape a towel over your head and hold it over a sink of hot, steaming water. This opens your pores and dislodges your makeup easier for cleansing.
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   spaceplay / pause

    

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   ffullscreen

   shift + ←→slower / faster (latest Chrome and Safari)

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   ←→seek

    

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   Remove your lip color. Apply a small dab of petrolatum jelly to your lips, and gently rub it in with a tissue. Fold in the tissue, and blot the lips.

How to Hire a Insurance Broker

Insurance agents and brokers can help a business owner sort through the array of health insurance plans available to find one that fits the needs and budget of a company. While some people research their options on their own, many others find the process daunting and can benefit from some professional assistance. Deciding who will help you choose an insurance plan is an important first step.

Here’s a rundown of points to consider before hiring an insurance professional, including the differences between brokers and agents.

Choose a professional with a good reputation in the industry, so ask for referrals from companies similar to yours in size and scope. Check references, as well as licenses and registrations. You can check a broker or agent’s disciplinary record by calling your state insurance commissioner’s consumer hotline. Ask if they’ve ever been sued by a client. While there is no central clearinghouse for this kind of information, you can take the extra step of doing a Web search on their names to see if anything turns up.

Services vary from one insurance professional to another — there’s no standard level, type or number to look for. Make sure you’ll get the kind of support your company may need, such as nontraditional work hours or different language on service help lines.

Learn whether he o she is knowledgeable about the type of products you need. Ask for examples of those that he or she has experience in. Some consultants focus solely on retirement plans, while some don’t work with them at all. You’ll want to know if a product isn’t mentioned because it’s inappropriate for your business or because his or her company doesn’t offer it. Another consideration: Are most of a firm’s systems designed primarily for large firms? If so, a small-business owner’s needs often may not be met, so it may be wise to look elsewhere.

Find out whether you’d have a dedicated account manager. With larger organizations, you may want a contact who is familiar with your company to avoid having to work with multiple representatives, retelling your story repeatedly. A professional operating on his own may not offer the level of service of a larger firm with someone focused on your account.

It’s a good idea to ask how renewals are handled. You’ll want to avoid being surprised by a renewal notice at the last minute. Ideally, the insurance renewal process would start 90 to 120 days before the renewal date with a strategic-planning meeting to set goals for the year. Once you decide on a plan, review it annually with your agent or broker to make sure it remains relevant to your company’s needs.

Should you hire a broker or a captive agent? Here’s a rundown of the two types of insurance sellers.

– Brokers are independent, selling for multiple companies, and typically can provide more options and a broader view of the marketplace. Brokers will work with you to evaluate the major insurance carriers in your area on plan designs and cost. Don’t look for just the lowest premiums. Consider the breadth of the network to make sure all the employees have access to in-network physicians, and whether the carriers have good relationships with physicians.

Keep in mind that brokers often are paid on commission by the insurance company, which could be reflected in the premiums. But some brokers instead take a flat fee from an employer, such as a payment based on the number of employees and months covered.

– Captive agents typically sell only one product or company. They often have a close relationship with their home office, which generally gives them more leverage to make plan changes. Their offerings also can cost less and they have access to markets that others may not have, such as workers’ compensation insurance in certain industries.

Agents are typically paid by the insurers, so the business isn’t charged for their services. If you decide to work with an agent, talk to more than one to find out what different carriers offer.

One idea popular with agents is an employee-elect arrangement, which allows small companies to choose from the gamut of a carrier’s plans. In the past, small employers could offer only one or two plans to their workers. They sometimes felt obligated to pick the most comprehensive — and expensive — plan, so that employees with greater health needs had enough coverage. But as insurers try to build market share by bestowing big-business options on small companies, there is more to choose from. Employees who need less coverage can opt for cheaper programs, thus reducing premiums.

Who is a Insurance Broker

Developing a long term relationship with an insurance professional is a key step in the development of a business insurance plan. Listed below is and explanation of the differences between insurance agents and insurance brokers.

Insurance Agents

Insurance agents are insurance professionals that serve as an intermediary between the insurance company and the insured. As a broad statement of law, an agent’s liability to their customers is administrative. That is, agents are only responsible for the timely and accurate processing of forms, premiums, and paperwork. Agents have no duty to conduct a thorough examination of your business or to make sure you have appropriate coverage. Rather, it is your obligation to make sure you have purchased needed coverage.

Insurance agents can be either:

• Captive – A captive agent is an agent who works for only one company and is a “captive” of that company. A captive agent will sell policies only for that insurer.
• Independent – An independent agent is one who works as an agent for a variety of different insurers. An independent can produce policies from several insurers and offer some comparisons of different insurance policies.

Insurance Brokers

Insurance brokers can be best described as a kind of super-independent agent. Brokers can offer a whole host of insurance products for you to consider. Brokers are required to have a broker’s license which typically means the broker will have more education or experience than an agent.

Brokers also have a higher duty, in most states, to their clients. Brokers have the duty to analyze a business and secure correct and adequate coverage for the business. This is a higher duty than the pure administrative duty of the agent. However, this expertise comes at a price. Brokers typically charge an administrative fee or premium payments are higher when purchased through a broker.

Data Entry Operting

Data entry operator enters data into a machine using a alpha-numeric keyboard with speed and accuracy 

Data entry and information processing workers help ensure the smooth and efficient handling of information. By keying in text, entering data into a computer, operating a variety of office machines, and performing other clerical duties, these workers help organizations keep up with the rapid changes that are characteristic of today's "Information Age." Data entry and information processing workers are known by various other titles, including word processors, typists, and data entry keyers, and less commonly, electronic data processors, keypunch technicians, and transcribers. 

Massachusetts Car Insurance

After getting a free car insurance quote from Progressive, you can quickly shop our Massachusetts car insurance rates to find a policy that's right for you.

Our Massachusetts car insurance policies include:

Competitive rates & discounts

About 5.5 million people use Massachusetts' transportation system each day, and most of them—about 90 percent—travel by car, according to the Massachusetts Department of Transportation. When you choose Progressive, not only can you protect yourself, your passengers and your car on the road, you could also save hundreds on Massachusetts car insurance. Plus, you'll get auto insurance discounts and free extras like forgiveness for minor accidents. You can feel confident you're getting a good deal.

Massachusetts car insurance coverage options

When you quote with Progressive, which takes about six minutes, you can have us recommend Massachusetts car insurance coverage for you. You can also choose the Name Your Price® option if you're shopping on a budget, or you can create a custom package. By choosing coverage that's right for you, you can prepare for many unexpected situations, from breakdowns to fender benders.

24/7 claims & customer service

With instant online and mobile access to your Progressive auto insurance policy, you can quickly and securely make a payment, update information and more—whenever, wherever you are.

You can report an accident online, too, and with several auto insurance claims offices in Massachusetts, we'll be right there to start your claim so you can get back on the road quickly and move on with your life.

For your repairs, you can choose to bring your car to one of our network shops, and we'll guarantee your repairs for as long as you own or lease your car. Or, you can choose your favorite repair shop, if you prefer.

Quote & buy Massachusetts car insurance today!

We serve all cities in Massachusetts, including:

Boston, MA; Brockton, MA; Cambridge, MA; Fall River, MA; Lowell, MA; New Bedford, MA; Plymouth, MA; South Boston, MA; Springfield, MA; Worcester, MA