Saat ini moda transportasi roda dua seperti motor dan ojek memang paling bisa diandalkan untuk commuting di daerah perkotaan. Seperti yang kamu tahu, motor dan ojek bisa memecah kemacetan, sehingga dapat menghemat banyak waktu di perjalanan. Apalagi, ditambah dengan berkembangnya aplikasi ojek online, hal ini juga semakin membuat transportasi lebih mudah. Apakah kamu salah satu pengguna setia sepeda motor dan ojek? Tapi, perlu kamu tahu juga, ladies, ternyata terlalu sering naik motor juga bisa memengaruhi kecantikan kulit dan rambutmu lho. You should brace yourself for this upcoming nightmares. 

Penggelapan Kulit




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Saat naik motor tentu saja kulitmu akan rentan terpapar oleh sinar matahari. Nah, sinar matahari ini nantinya akan memicu produksi melanin di dalam kulit yang dapat membuat kulitmu terlihat lebih gelap. Karena itu, sebaiknya gunakan sunscreen sebelum keluar rumah ya untuk mencegah penggelapan kulit karena sinar UV.
 

Kulit Menjadi Kering



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Selain membuat kulit terlihat gelap, paparan sinar matahari juga dapat membuat kulitmu kering. Belum lagi, polusi udara juga akan semakin memperparah keadaan kulitmu dan membuatnya semakin kering. Untuk mengatasinya, sebaiknya gunakan body lotion dan moisturizer agar kulit tubuh dan wajahmu tidak kering karena naik motor, Beautynesian.
 

Mempercepat Penuaan Dini



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Sinar UV dan polusi udara di jalanan bisa menjadi double combo yang dapat mempercepat proses penuaan pada kulit lho. Sinar UV dan polusi udara akan merusak kandungan kolagen pada kulit, yang memiliki fungsi utama untuk menjaga kulit agar tetap kencang. Akibatnya, akan muncul garis halus dan kerutan pada area wajah. Kalau sudah begini, sebaiknya mulai gunakanskin care anti-aging untuk melawan penuaan dini karena aktif naik motor.
 

Penggelapan Bibir



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Tahukah kamu kalau selain merusak kulit wajah dan tubuh, sinar matahari juga merusak kulit bibir lho. Sinar UV bisa juga memicu kandungan melanin pada bibir sehingga membuat bibir terlihat gelap. Untuk merawat dan mencegah penggelapan pada bibir, sebaiknya gunakan lip balm dengan kandungan SPF ya yang dapat melindungi kulit bibir dari sinar matahari.
 

Rambut Bau, Lengket dan Rapuh



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Terakhir, tanpa kamu sadari rambutmu juga merupakan korban dari paparan polusi1 dan sinar matahari ketika naik motor. Sebuah penelitian bahkan menunjukkan bahwa rambut terpapar polusi 3x lipat lebih banyak daripada kulit lho2. Akibatnya, rambut menjadi lebih rapuh dan mudah rontok3 karena partikel polusi dan kotoran membuat rambut menjadi berat dan kasar. Kalau kamu merasa rambutmu lebih mudah rontok, bisa jadi polusi udara saat naik motor ini yang menjadi penyebabnya, Beautynesian.
 




Sebaiknya, mulailah ganti perawatan rambutmu dengan perawatan rambut intensif yang dapat memerangi masalah rambut rontok karena polusi seperti P3K (Pertolongan Pantene Pada Kerontokan) menggunakan Pantene Hair Fall Control. Sampo ini memang khusus diformulasikan menggunakan Pro Vitamin untuk merawat rambut yang rontok akibat polusi.
 




Formula Pantene Hair Fall Control dapat membersihkan partikel-partikel debu, polusi, dan kotoran yang menempel di rambut secara menyeluruh. Bahkan, brand ambassador Pantene, Raline Shah, juga sudah membuktikannya sendiri lho melalui tantangan Raline VS Tanjung Priok. Ia melakukan sesi pemotretan di daerah Tanjung Priok yang terkenal sebagai daerah dengan tingkat polusi paling tinggi di Jakarta. Kemudian, ia merawat rambutnya menggunakan Pantene Hair Fall Control untuk mengembalikan kekuatan rambutnya setelah melawan polusi. Buat kamu yang ingin mencari tahu lebih lanjut tentang produk dan challenge-nya, cek di sini ya!
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.

Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement

Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work


If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource


Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.

HOW TO INVEST Five Key Points to Consider Before Investing

So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.

Financial Fitness


Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance


Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals


Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification


All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge



Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.