There Is No Reason For Expensive Face Creams – Try Urine Instead?

If you have struggled with skin problems, you know what you are willing to do for acne free skin. We will walk the seven corners of the Earth just to find the miracle treatment that has alluded us. There are women in the United Kingdom who feel as though they may have found their own fountain of youth in the form of urine. Is this a treatment you would be willing to undergo to remove blemishes from your skin?

The results so far have been rather promising, as urine manages to remove blemishes and spots at an incredible speed. You would have to imagine that there have to be some results as the average woman is not going to sit around the house covering her face in urine! Neal Schultz, M.D., a New York City dermatologist an expert in  this field was asked his opinion on this treatment. Urine is composed of 95 percent water after that urea is the next highest concentration. It is his understanding that urea acts as an exfoliant and believes this is why it has recently caught on as a skin-care product.

If you feel like cashing in on the pee craze it has been found to be an extraordinary moisturizer and beneficial in removing calluses. Urea is known as a keratolytic, which simply means it has the ability to dissolve the keratin found in the outer layer of the skin.However, urea is also a humectant, giving it the ability to add essential water to the skin. If you sit to think about it urine is one of the best skin care products around. It has the ability to exfoliate dry skin and will retain the water, thus improving hydration. However, Schultz was quick to state that urine contains a very small amount of urea, the results you would achieve would be minimal. Manufactured creams include between a 10-15 percent of urea, while urine it is less than 5 percent.

If you are looking for a natural remedy, but the thought of peeing on your face isn’t your cup of tea, think of tea-tree oil, apple cider vinegar, and green tea. These are all excellent remedies that might not turn your stomach so greatly as pee.

We all get desperate and willing to do whatever it takes to get beautiful skin, however, it looks like urine is just not worth it. You are simply going to gross yourself out, possibly get sick, and it is not effective as creams containing urea.  Leave pee in the toilet where it belongs and find a better alternative for your face.

Ways to Get Skin That Glows

Everyone insists on glowing skin. Have you thought why? Glowing skin is great to look at, yes, but it is great to look at because it signifies a healthy lifestyle. Whether we accept it nor not, healthy people, who smile often, look confident and use minimal makeup look much more attractive.

Some are blessed with great, glowing skin. However, a healthy skin can also be achieved by taking certain steps regularly and maintaining a sense of discipline. It sounds hard, but it is not and all the work you put in is worth it!

1. Regular Skin Care:

We all know the basics, cleansing, toning, moisturizing and most of us do it as well. However, skincare is a lifelong process and cleansing and moisturizing should be started as early as late teens. As we grow older, the skin loses elasticity, letting the first appearance of wrinkles, pores, and spots.

Therefore, it is imperative that added to the basic skin care regime, one should add a regular anti-aging product. Use a serum, which is more intensely targeted towards anti-aging twice or thrice a week added to the AHA laden anti-aging cream.

It is necessary to use face packs depending on your skin type. The homemade packs based mostly on honey, yogurt, aloe, pumpkin, egg and cucumber works very well by hydrating the tired skin. There is also the store bought ones which result effectively as well. If you can afford, do go in for facial treatments, once or twice a month. The packs along with the light face massage enhance blood circulation, benefiting the skin.

Also, use steam twice a week to thoroughly clean the pores to avoid black and white heads.

2. Exfoliate:

To get the glow on your skin, exfoliation is immensely important. A good face scrub, treats skin kindly, while softly removing the pile of dead cells and lessening blackheads. Exfoliating scrubs are available depending on skin types. Choose one best for you and apply twice a week.

You can, of course, choose to use a home made sugar, oatmeal and oil facial scrub for your face as well body. Just remember to use soft strokes to avoid damage on the skin.

3. Avoid Sun Damage:

Going for work, to the beach, or for a run regularly under the morning sun severely damages skin. Trouble is, we need the sun to build Vitamin D. Therefore, sun exposure is necessary but should be done after taking precautions. A sunscreen of SPF 15 should always be used, even if you are at home if it is winter or a cloudy day.

Understand that SPF 15 is the basic and depending on how easily you burn, choose a higher SPF. Understand that even if you do not burn or tan, the sun still causes damage by drying your skin, resulting in early onset of wrinkles.

If possible, carry your sunglasses and umbrella. Better yet, avoid the midday sun altogether.

4. Keep Hydrated:

We all know about drinking eight glasses of water, and yet we still forget about it. Glowing skin and hydrated body go hand in hand. Drink water the first thing in the morning to wash away all  the toxins that had piled up from the night before. Carry a bottle and drink at least, two liters each day.

For each mug of coffee or tea you consume, try to consume double the amount of water. Same applies for alcohol.

If drinking water through the day seems boring, try to add some low sugar natural juice, like celery, green apple or cucumber that freshens you immediately. You can also try to add flavors like lemon or peach to plain water to make it interesting.

5. Eat Your Vegetables:

Boring as this may sound, a good skin is a representative of a healthy body. So all those cigarettes, burgers, chips and cola are going to show on your face. The glow that a face has when the body is healthy cannot be compensated with any amount of makeup.

Almost all the vegetables, unless you are allergic to any of them, contains nutrients that are necessary for the body. There is not much point is having supplements, when you can have the real thing! Add colorful vegetables and greens to your usual meals and you might be surprised at how great your skin looks.

6. Rest:

Finally, get your 8 hours of sleep. Try to avoid stress and anxiety. Instead of checking your emails, or playing Candy Crush as the last thing you do while awake, read a book or just count sheep. Develop a sleeping ritual and follow that pattern, to let your brain prepare to relax.

A well-rested sleep makes you look fresh, glowing and great in the morning.

A glowing skin is desired by all and following a regulated lifestyle with ample exercise will keep your skin looking healthy and youthful for a much longer time.

What You Need To Know Regarding The Cost Of Having No Health Insurance In 2015

The Affordable Care Act (ACA) is also often referred to as Obamacare.  By any name, a sure to have some effect on your budget one way or another.  One of most costly ways in which it may affect you is if you choose not to purchase approved Health Insurance in 2015.  At this time, some taxpayers are feeling the effects of choosing not to have Health Insurance in 2014.  The Sears fine for going uninsured is far greater.  Below are the pertinent facts.

Breakdown Of The Cost Of The Fines

According to the web site,, the 2015 penalty (referred to by some as a tax) is determined as follows:

Individuals: There are two ways of determining the amount of the fine.
1.  The fine will be 2% of an individual’s gross annual income that exceeds the filing thresholds.  Generally speaking, this would be any amount over $10,000.
2.  Alternately, the fine may be calculated as $235 for each adult those uninsured and $162.50 for each child who is under the age of 18 and is uninsured.
The amount you pay will be the greater amount as applicable in your situation.
It is important to note that the maximum amount paid for option number one cannot exceed the average premium nationally for the offered bronze plan.  To give you an idea of the numbers, in 2014 that average amount was $204 per person monthly.  It was $1020 monthly for a family consisting of five or more persons.

The 2015 national average will be unknown until the end of the year; however, the Washington Times speculates that the amount may increase as much as 14% in some areas of the United States.

For option two, the maximum amount cannot exceed $975.

How Will Fine The Collected?

The Federal government will use the Internal Revenue Service (IRS) to collect the fines.  This is why many people consider being a tax.  If you do not make enough money to file a tax return (this is general below $10,000 annually) you will not be required to pay a fine.  If you are required to file, there will be blank on your return where you can enter the amount of your fine.  The amount of your fine will be deducted from your refund, or you will need to pay it if you are not going to receive a refund.

Major Software Services for tax filing have all been updated appropriately.  This will help you select the correct forms and fill them out appropriately.  This way of dealing with this new requirement makes dealing with this fine a part of the standard income tax filing process.

Is It Possible To Be Exempted From The Fine?

It is possible not to have to pay the fine; however, it may take a bit of work.  Remember that if you are covered by an ACA plan for another insurance plan that provides the minimal essential coverage required, he will not have to pay a fine.

It is also possible to be exempt from the fine in the following circumstances:

* You did have acceptable insurance coverage for more than nine months of 2015.
* You are a member of a federally recognized Native American tribe.
* You have Health Insurance provided by a Health Care sharing ministry.
* Your religion does not allow Health Insurance, Social Security, and/or Medicare.
* You spent most of the year in jail.
* You are in the United States unlawfully.
* You are facing specific financial hardships.

What Can You Do If You Are Unable To Afford Health Insurance Or The Fine?

In the event that the very least expensive coverage would cost greater than 8% of your total household gross annual income, you can be exempted.  Here are some of the other hardships that may allow you to qualify for exemption:

1.  You are homeless.
2.  You are facing foreclosure or eviction.
3.  You are facing having your utilities shut off.
4.  You are in the midst of a domestic violence situation.
5.  You have experienced the death of a member of your family.
6.  You have experienced a substantial loss due to human-caused or natural disaster.
7.  You are filing for bankruptcy.
8.  You are unable to pay existing medical expenses that have caused you a substantial debt.
9.  You are facing increased necessary expenses because of caring for an aging, disabled or kill a member of your family.

It is also possible to get an exception if there are changes in the CHIP or Medicaid program in your state.  Furthermore, if your individual insurance policy has been canceled and you have had trouble finding new insurance, you may be exempt.

Please understand that all of these situations require the filling out of an application.  Processing and approval may take weeks or even months.  While you’re waiting, if you are unable to get insurance coverage and your application is then denied, you will need to pay all of the penalties that have accrued while you were waiting.  It’s easy to see why waiting until the end of 2015 to file for an exemption is unwise.  You should file for an exemption as soon as you have the proof of your situation.

Is It Ever A Good Idea To Simply Pay The Fine?

Of course the decision is entirely up to you; however, it is possible that you may end up paying less if you just pay the fine.  If you’re an adult in good health with no preexisting conditions who can get approval for an insurance plan that predates ACA, you may be able to get the short term plan.  This sort of plan doesn’t offer some of the benefits that are required under the Affordable Care Act.  Examples include specific free preventative services and maternity care.

Temporary policies do have typically lower deductibles and premiums then ACA approved policies.  In fact, the costs are similar to Health Insurance costs prior to ACA.  This type of plan is generally good for a period of 3 to 12 months.  Having this sort of plan will cause you to be subject to fines; however, you may still end up paying less for Health Insurance by purchasing a short term plan and paying your fine.

Keep in mind that these situations will change again when 2016 rolls around.  Finds will increase again, so you will need to keep up with all of the developments.  Open enrollment for a CA and soon, so it’s easy to see that you must make a decision and a final choice as quickly as possible.