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  • Actual for You - Skin Care Product Labels – Natural vs. Toxic Chemicals

    An Investor Should Always Have an Exit Strategy
    Regardless of what type of commodity you invest in, you should always go into that investment with an exit strategy: that is, how and when you will sell your investment and take your profit. In this article, we'll be looking at exit strategies as they relate to real estate investments.As a real estate investor, you'll constantly need to be aware of the economy in your area, the job situation, and interest rates, all of which can affect your ultimate profit when you go to sell your property. You'll also need to be thinking ahead about whether you want to take your profits and use them to buy a new piece of property with even more investment potential. How much money are you ultimately hoping to make? When will you need it? What will you be using that money for? All of those questions should be considered on a regular basis, since a person's needs and desires will change over time.It's also wise to give some thought to what you'll do if real estate values begin to decline. If you can't find a buyer for your property right away, or wit
    They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticid

    On The Job Training is Something You Cana(tm)t Afford to Skip
    Trained employees are more productive employees; there??™s no doubt about that. Whether you??™re your only employee or whether you??™ve got a growing staff, put OJT (on the job training) at the top of your To-Do list.Every job, no matter what it is, is done better and faster when those responsible for doing it are properly trained. In theory this sounds good. But in reality, small growing companies rarely have money in their operating budgets to cover training costs.Job-related training whether for yourself or for your employees is expensive in the short run. But in the long run, not offering training often costs more. The good news is that job-related training no longer means traveling to expensive seminars and courses. A variety of affordable training tools is available today. Much of this training is available without leaving your desk.Whether it??™s learning to use the software tools you purchased to run your business, or to stay abreast of ever-changing laws covering everything from sexual har
    You want natural skin care products, but reading the label can be confusing for anyone but a pharmacist! All-natural products should have easily recognizable ingredients, but many don’t. And some claim to be natural, but are not. For example, an ingredients label may list sodium laureth sulfate derived from coconut oil. But when this chemical combines with other ingredients in the product carcinogenic nitrosating agents are created. If you really want to be safe, read labels carefully and “Google” any ingredients you don’t recognize, or email or call the company.

    Look for labels with easy-to-understand ingredients, not long chemical names, even if they say they come from natural sources. Instead of harsh chemicals on the label, you should find natural ingredients like Eucalyptus Oil, Grapefruit Seed Extract, Sandalwood Extract, Lemon Oil, Apricots, Aloe Vera Gel, Vitamin E, Vitamin A and Green Tea. Learn to read the labels on the products you use and choose those that are non-toxic and safe.

    Here’s a list of a few common skin care chemicals to avoid:

    1,4-dioxane: This is a known carcinogen found in many cosmetics as a by-product of other chemical combinations. Products that use Ethoxylated surfactants as foaming agents or emulsifiers often produce 1,4-doixane in the manufacturing process. This chemical is considered toxic if it is inhaled, absorbed through the skin or ingested.

    Alcohol, Isopropyl (SD-40): This is a drying agent used in many cosmetic products. When used directly on skin it strips off the outermost protective layer, exposing the body to bacteria, fungus, molds, and other toxins. It is derived from petroleum and may promote brown spots or premature aging.

    Anionic Surfactants: surfactants are used in almost all personal care products that make foam. They are also used in car washes, garage floor cleaners, and as engine degreasers. Common anionic surfactants include: Sodium Lauryl Sulfate (SLS), Sodium Laureth Sulfate (SLES), Ammonium Lauryl Sulfate (ALS), Ammonium Laureth Sulfate (ALES), Sodium Methyl Cocoyl Taurate, Sodium Lauroyl Sarcosinate, Sodium Cocoyl Sarcosinate, Potassium Coco Hydrolysed Collagen, TEA (Triethanolamine) Lauryl Sulfate, TEA (Triethanolamine) Laureth Sulfate, Lauryl or Cocoyl Sarcosine, Disodium Oleamide Sulfosuccinate, Disodium Laureth Sulfosuccinate, and Disodium Dioctyl Sulfosuccinate. You should avoid all of these chemicals.

    Cationic Surfactants: These are surfactants used in hair conditioners for their anti-static properties. However, they are synthetic, irritating to hair follicles, and toxic. Long-term use can make hair dry and brittle. Common cationic surfactants include Stearalkonium chloride, Benzalkonium chloride, Cetrimonium chloride, Cetalkonium chloride, and Lauryl dimonium hydrolysed collagen.

    Chloromethylisothiazolinone and Isothiazolinone: these harmful chemicals can be corrosive to the eyes and skin. Long term use can permanently damage the eyes and cause serious skin burns. They can be fatal if swallowed and damage the lungs if inhaled.

    DEA (diethanolamine), MEA (Monoethanolamine), & TEA (triethanolamine): These ingredients are often used in personal care cleansers to adjust their pH (acidity or alkalinity). They can cause allergic reactions, eye irritation, dryness, and toxicity when used over time. These known carcinogens are already restricted in Europe but they may still be found in the formulas of American and Asian cosmetics.

    Diazolidinyl urea and DMDM Hydantoin: These contain formaldehyde, a toxic carcinogen, and can cause dermatitis, burning, irritation of the mucous membranes, inflammation, and watering of the eyes.

    Ethoxylated surfactants: These surfactants are commonly used in cosmetic formulas as foaming agents, emulsifiers, and humectants. They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticide

    A Review of Jeff Paul
    When Jeff Paul spoke with us he said that he is currently living in Chicago and he likes it.He went to University and studied Anthropology, a subject he says serves him well now. However he ended up working as a Financial Adviser and Accountant. Something that was not very exciting.(sorry to all you number crunches)Even though Jeff did not fully enjoy his time as a Financial Adviser it is clear that it was a turning point for the career he has today.Jeff and his business partners strongly believed they were the best Financial Ad visors in the Chicago area but they had a really big problem - not enough clients.Have you ever thought you have the best product or service, you just need people to see it and you will make your millions?Well these guys did.See they were going bankrupt. And as I am sure would be the same with you, others did not want to go to a bankrupt financial planner.This is what drew Jeff Paul to learn about Marketing. Real Marketing. Marketing that works.Just havin
    you use and choose those that are non-toxic and safe.

    Here’s a list of a few common skin care chemicals to avoid:

    1,4-dioxane: This is a known carcinogen found in many cosmetics as a by-product of other chemical combinations. Products that use Ethoxylated surfactants as foaming agents or emulsifiers often produce 1,4-doixane in the manufacturing process. This chemical is considered toxic if it is inhaled, absorbed through the skin or ingested.

    Alcohol, Isopropyl (SD-40): This is a drying agent used in many cosmetic products. When used directly on skin it strips off the outermost protective layer, exposing the body to bacteria, fungus, molds, and other toxins. It is derived from petroleum and may promote brown spots or premature aging.

    Anionic Surfactants: surfactants are used in almost all personal care products that make foam. They are also used in car washes, garage floor cleaners, and as engine degreasers. Common anionic surfactants include: Sodium Lauryl Sulfate (SLS), Sodium Laureth Sulfate (SLES), Ammonium Lauryl Sulfate (ALS), Ammonium Laureth Sulfate (ALES), Sodium Methyl Cocoyl Taurate, Sodium Lauroyl Sarcosinate, Sodium Cocoyl Sarcosinate, Potassium Coco Hydrolysed Collagen, TEA (Triethanolamine) Lauryl Sulfate, TEA (Triethanolamine) Laureth Sulfate, Lauryl or Cocoyl Sarcosine, Disodium Oleamide Sulfosuccinate, Disodium Laureth Sulfosuccinate, and Disodium Dioctyl Sulfosuccinate. You should avoid all of these chemicals.

    Cationic Surfactants: These are surfactants used in hair conditioners for their anti-static properties. However, they are synthetic, irritating to hair follicles, and toxic. Long-term use can make hair dry and brittle. Common cationic surfactants include Stearalkonium chloride, Benzalkonium chloride, Cetrimonium chloride, Cetalkonium chloride, and Lauryl dimonium hydrolysed collagen.

    Chloromethylisothiazolinone and Isothiazolinone: these harmful chemicals can be corrosive to the eyes and skin. Long term use can permanently damage the eyes and cause serious skin burns. They can be fatal if swallowed and damage the lungs if inhaled.

    DEA (diethanolamine), MEA (Monoethanolamine), & TEA (triethanolamine): These ingredients are often used in personal care cleansers to adjust their pH (acidity or alkalinity). They can cause allergic reactions, eye irritation, dryness, and toxicity when used over time. These known carcinogens are already restricted in Europe but they may still be found in the formulas of American and Asian cosmetics.

    Diazolidinyl urea and DMDM Hydantoin: These contain formaldehyde, a toxic carcinogen, and can cause dermatitis, burning, irritation of the mucous membranes, inflammation, and watering of the eyes.

    Ethoxylated surfactants: These surfactants are commonly used in cosmetic formulas as foaming agents, emulsifiers, and humectants. They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticid

    Where Have You Looked?
    A few months ago, I was talking with a bride-to-be who was lamenting the fact that she could not find the exact look she wanted for her wedding and wedding reception. None of the flowers, floral arrangements or decorations that she had found in her colors were what she really wanted to use. I asked her where she looked for ideas, and she shot back a look at me that seemed to say, “Well aren’t you stupid.” Of course she had poured over bridal magazines and consulted a florist and even a wedding planner and bridal consultant. None of that had helped in her quest for what she considered the perfect flowers and decorations for her wedding.Perhaps she wasn’t really asking for my advice. After all, it had been many years since I had a huge formal wedding. But since I have planned many large events myself over the years – for church, for clubs and for sales organizations – I couldn’t help but offer these ideas for finding the right flowers or decorations.To find flowers:1) Look through seed catalogs. The pictures there are al
    ic surfactants include: Sodium Lauryl Sulfate (SLS), Sodium Laureth Sulfate (SLES), Ammonium Lauryl Sulfate (ALS), Ammonium Laureth Sulfate (ALES), Sodium Methyl Cocoyl Taurate, Sodium Lauroyl Sarcosinate, Sodium Cocoyl Sarcosinate, Potassium Coco Hydrolysed Collagen, TEA (Triethanolamine) Lauryl Sulfate, TEA (Triethanolamine) Laureth Sulfate, Lauryl or Cocoyl Sarcosine, Disodium Oleamide Sulfosuccinate, Disodium Laureth Sulfosuccinate, and Disodium Dioctyl Sulfosuccinate. You should avoid all of these chemicals.

    Cationic Surfactants: These are surfactants used in hair conditioners for their anti-static properties. However, they are synthetic, irritating to hair follicles, and toxic. Long-term use can make hair dry and brittle. Common cationic surfactants include Stearalkonium chloride, Benzalkonium chloride, Cetrimonium chloride, Cetalkonium chloride, and Lauryl dimonium hydrolysed collagen.

    Chloromethylisothiazolinone and Isothiazolinone: these harmful chemicals can be corrosive to the eyes and skin. Long term use can permanently damage the eyes and cause serious skin burns. They can be fatal if swallowed and damage the lungs if inhaled.

    DEA (diethanolamine), MEA (Monoethanolamine), & TEA (triethanolamine): These ingredients are often used in personal care cleansers to adjust their pH (acidity or alkalinity). They can cause allergic reactions, eye irritation, dryness, and toxicity when used over time. These known carcinogens are already restricted in Europe but they may still be found in the formulas of American and Asian cosmetics.

    Diazolidinyl urea and DMDM Hydantoin: These contain formaldehyde, a toxic carcinogen, and can cause dermatitis, burning, irritation of the mucous membranes, inflammation, and watering of the eyes.

    Ethoxylated surfactants: These surfactants are commonly used in cosmetic formulas as foaming agents, emulsifiers, and humectants. They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticid

    Independent Retirement Account - Defined, What Are The Options?
    There are typically two types of beneficiaries for an Independent Retirement Account (IRA). A beneficiary can be either a spouse or non-spouse, and each group has different options and benefits to receiving money from an inherited IRA.INHERIT INDEPENDENT RETIREMENT ACCOUNT FROM SPOUSEIf you inherit an IRA from a spouse, you have the option of taking the IRA as your own and also making further contributions to the account. If you choose to take the IRA as your own, you may choose beneficiaries and extend the tax-deferred benefits of the account. Another option available from inheriting an IRA from a spouse is the opportunity to begin receiving distributions from the account. Distributions must begin on the later date of when the original owner would have turned age 70 ? or by December 31rst of the year following the date when the owner died.If you feel financially secure, you may choose to disclaim the inherited assets and pass on the IRA to the next designated beneficiary. Disclaiming an IRA or any assets in general is irrevo
    linone: these harmful chemicals can be corrosive to the eyes and skin. Long term use can permanently damage the eyes and cause serious skin burns. They can be fatal if swallowed and damage the lungs if inhaled.

    DEA (diethanolamine), MEA (Monoethanolamine), & TEA (triethanolamine): These ingredients are often used in personal care cleansers to adjust their pH (acidity or alkalinity). They can cause allergic reactions, eye irritation, dryness, and toxicity when used over time. These known carcinogens are already restricted in Europe but they may still be found in the formulas of American and Asian cosmetics.

    Diazolidinyl urea and DMDM Hydantoin: These contain formaldehyde, a toxic carcinogen, and can cause dermatitis, burning, irritation of the mucous membranes, inflammation, and watering of the eyes.

    Ethoxylated surfactants: These surfactants are commonly used in cosmetic formulas as foaming agents, emulsifiers, and humectants. They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticid

    Conducting Risk Assessments for Hazardous Substances
    To manage Hazardous Substances a requirement is to conduct Risk Assessments for each of the hazardous substances. The process required to ensure that all risks identified with using a substance is controlled under the Queensland Workplace Health and Safety Regulations is described below. The requirements for other legislation will be quite similar.When is it a requirement to conduct a risk assessment?Legislation requires that Hazardous Substances risk assessments are required at the following times:As soon as practicable after it is used;Within five years after the last assessment;When a work practice involving the substance is significantly changed;New information about the substance’s hazards is available;Health surveillance or monitoring shows control measures need to be reviewed; and New or improved control measures are implemented.Are you asking why you have to complete a risk assessment at all of these times? Let’s have a look at t
    They may be listed on the ingredient label as "PEG", "polyethylene", "polyethylene glycol", "polyoxyethylene", "-eth-", or "-oxynol." These chemicals form 1,4-dioxane (a known carcinogen) as a byproduct in the manufacturing process.

    FD&C Color Pigments: These synthetic colors are made from coal tar. They contain heavy metal salts that leave toxic byproducts on the skin. When tested on animals they cause cancer.

    Formaldehyde: This is another cancer causing chemical commonly found in commercial make-up products. It can cause allergic reactions, headaches, and chronic fatigue.

    Imidazolidinyl urea: This chemical releases another harmful chemical, formaldehyde, as a byproduct in the manufacturing process. It may be listed under the trade name Germall 115.

    Lanolin: This chemical usually seems harmless, and is used in many cosmetic formulas. However, it comes from the wool of sheep and is therefore contaminated with the pesticide DDT unless it is obtained from organic sources.

    Mineral Oil: Also called liquid parrafinum, mineral oil is a byproduct of petroleum that coats the skin like plastic. It disrupts the skin's natural ability to purge itself of toxins, slows down cell function and can cause premature aging. Mineral oil can also be found in paraffin wax, paraffin oil and petrolatum.

    Nitrosating Agents: Chemicals that cause nitrosamine contamination have been found in laboratory tests to cause cancer. Nitrosamines can be found in the following ingredients: 2-bromo-2-nitropropane-1,3-diol, Cocoyl Sarcosine, DEA compounds, Imidazolidinyl Urea, Formaldehyde, Hydrolysed Animal Protein, Lauryl Sarcosine, MEA compounds, Quaternium-7, 15, 31, 60, etc, Sodium Lauryl Sulfate, Ammonium Lauryl Sulfate, Sodium Laureth Sulfate, Ammonium Laureth Sulfate, Sodium Methyl Cocoyl Taurate, and TEA compounds.

    Paraben preservatives (methyl, propyl, butyl, and ethyl): These chemicals are often used in cosmetic formulas to inhibit microbial formation and extend the shelf life of the make-up products. They are commonly used in commercial applications even though they are known to be highly toxic and to cause allergic reactions and skin rashes.

    Polyethylene Glycol (PEG) compounds: This petroleum product is used in commercial cleaners to break up grease and in spray on oven cleaners. Over time, this chemical can cause premature aging.

    Propylene/Butylene Glycol: This chemical is considered so toxic that the EPA mandates that its workers wear protective equipment when handling it. It is a petroleum product that penetrates the skin easily and can cause brain, liver, and kidney malfunctions. This ingredient is often found in stick deodorants.

    Rancid Natural Emollients: Creams and other commercial cosmetics made from refined vegetable oils contain harmful transfatty acids. Polyunsaturated oils can also oxidize quickly, causing free-radical damage to the skin and premature aging. They are also missing the essential nutrients, fatty acids, and vitamins that help protect and moisturize the skin.

    Silicone derived emollients: these products coat skin like plastic, and disrupt the skin's ability to breathe and release toxins. They can accumulate in the liver and lymph nodes and promote the development of tumors. Common silicone derived emollients include Dimethicone, Dimethicone Copolyol, and Cyclomethicone.

    Sodium Laureth Sulfate (SLES) Ammonium Laureth Sulfate (ALES): When combined with other ingredients, they create nitrosating agents and are carcinogenic. Be especially wary of so-called natural products that claim to be derived from coconut oil.

    Sodium Lauryl Sulfate (SLS) Ammonium Lauryl Sulfate (ALS): These chemicals can alter the immune system and cause damage to the eyes, digestive system, nervous system, lungs, and skin. They are commonly found in foaming personal care products. And may be listed as ingredients on semi-natural products that claim to come from coconut oil.

    Stearalkonium Chloride: Originally developed as a fabric softener, this chemical is often found in hair conditioners and creams. They are toxic chemicals that can cause allergic reactions.

    Toluene: This chemical can be particularly dangerous if inhaled or absorbed through the skin. Aspiration can cause chemical pneumonitis, a fatal disorder. It is highly flammable in both liquid and vapor form and it may affect the liver, kidneys, nervous system, and blood. Overexposure can cause fatigue, confusion, headache, dizziness, or numbness. Severe overexposure can cause coma and death. Exposure to toulene can also affect the proper development of a growing fetus.

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