May 15, 2018

The Science of Saving for a Chemistry Degree

The cost of a chemistry college course in the USA ranges from $16,000 to over $70,000 a year, making it one of the most expensive degrees available. However, given that chemists can go on to earn well above the national average salary, it is well worth making the investment. For most people, this means having a savings plan to help cover some of the costs and taking out a loan to cover the rest. With a few simple techniques, you can fund your chemistry dreams, whether for yourself or as a parent.

Accrue Interest By Starting Early
Savings accounts rely on accumulating interest over time. This means that the longer you save for, the more money you’ll come out with, even with the exact same up front investment. If you are raising the funds for your child, a good rule of thumb is to multiply their age by 2000 and put this amount straight into a savings account. This so-called “2K rule” will leave you confident that, by the time they reach 18, you’ll be able to afford half their course and can cover the rest with private student finance.

Selecting the Right Loan
The first thing to find out when looking for a loan is your credit score. This will be the ultimate decider of how much you pay. Settling old debts before taking out a student loan will help you secure something with a low interest rate. You should aim to find something with a fixed interest rate to avoid nasty surprises and look for other hidden fees such as administration costs. Search the internet for the best deals, but never take out more than you absolutely need and can repay.

Take Advantage of Tax Breaks
Since education is considered to be valuable to society, you may be eligible for a tax break. A 529 Plan is tax-advantaged savings scheme which is specifically used to pay for college tuition. Despite being the most cost-effective way to cover the cost of a college degree, it is used by less than 3% of students. Use this plan rather than prepaid tuition if you are also looking to cover living costs while at college.

Becoming a chemist is a dream for many people, but the high costs of tuition can be off putting. If you really want to get that college degree, then you’ll have to learn a little bit about finance. Save early in order to cover half your tuition costs, then carefully select a loan and tax-advantaged savings plan to pay for the rest.
Read More »

May 1, 2018

What Are Some Benefits Of Vitamin C Skin Care?

Vitamin C is known to be a powerful immune booster, but it is also very good for your skin. Whether you are using a Vitamin C serum or cream, this amazing vitamin can bring plenty of benefits to your skin care routine.

Skin care, Vitamin C, Vitamin C Serum, beauty
Anti-Oxidant Protection
Whether ingested or applied topically, Vitamin C is a powerful anti-oxidant. Our skin cells are constantly under attack by free radicals which result from pollution, UV exposure and even our own cellular metabolism. Anti-oxidants help change free radicals into their more harmless form.

Reparative Properties
Vitamin C is a popular ingredient in many skin serums due to its ability to regenerate damaged cells. Our skin cells are constantly changing and shedding, but a damaged cell will not be as good at functioning and replacing itself as a healthy cell. Fortunately, Vitamin C can fight damage by helping encourage natural cellular repair processes.

Recent studies have shown that Vitamin C has significant anti-inflammatory properties. This allows Vitamin C to be a powerful soothing agent for irritated skin, making this important Vitamin particularly helpful for inflamed or sunburned skin.

Melanin Balance
Melanin is the pigment that gives skin its color. While each person has a different concentration of melanin, this pigment can be overproduced by skin cells due to sun damage causing dark spots on the skin. Vitamin C helps taper melanin production and fight the appearance of sun spots.

Versatile and Compatible
Vitamin C is compatible with a variety of other vitamins, minerals and compounds that are found in healthcare. You can find Vitamin C combined with Matrixyl 3000, a powerful wrinkle fighting ingredient, or hyaluronic acid, a well-known hydrating agent.

Whether you need to soothe skin or want extra sun protection, Vitamin C is a great addition to your beauty routine.
Read More »