Tuesday, December 17, 2013

BB霜和CC霜哪个更好

之前大家一股脑儿疯BB霜,只要冠上BB霜的产品,几乎没有不卖的,之后,还出现不同质地的BB粉饼、BB粉等等,后来,好像出现更厉害的CC霜,把美容市场搅得天翻地覆的,到底,这两者的区隔在哪里。


BB 霜的原意为Blemish Balm,若是直译的话,应该是伤疤用的软膏,没错,当初BB霜出现的原因,其实是皮肤科医师,為了让那些做过医学美容手术的 人,因為皮肤比较脆弱、经过治疗在肤表產生红肿现象,但又必须涂抹保养品,兼具保养、保水、遮掩红肿与防晒需求,所以设计出只要一瓶,即可满足术后肌肤的 品,没想到,这种多效合一的產品,开始热烈受到欢迎,并开始被各种美容品牌改良、进化,成為既可保养、又能调理肤色的底妆產品。


过,毕竟BB霜的缘起是為了遮盖肌肤上的瑕疵红肿,所以,一般说来,BB霜的质地总是感觉比较厚重些,而且有越来越取代粉底液的趋势,这似乎有点开始背离BB霜还有保养功能的原意。於是,CC 霜的出现,让底妆与保养有了另一项新选择。


目前市面上大品牌的CC霜,不论是Color Corrector或是Color Correction,其实就是指肤色校正的意思,从英文的字面上来 看,CC霜与BB霜是很不一样的。总的来说,CC霜的质地比较轻盈,更接近保养品的型态,并且不以完全遮盖原始肤色為主,走的是调整肌肤成為健康肤色為 重,更把保养成分当成重要的内涵,以及完善的防晒保护,让厌倦BB霜的人,有了另外一个新选择。

CC霜一览
上市时间:2013年5月15日
防阳效果:SPF50+ PA++
主 要诉求:以Color色彩修饰加上Care全日保养為主,一次推出五种顏色,為紫色、绿色、白色、蓝色与珊瑚色,可以根据肤色需求,选择单色使用或是两种 以上调色用。超防护光感亮白CC霜取代原本同样是多种顏色选择的防护隔离霜。在保养方面,标榜一次达到调色、防护、美白、轻透、隐形毛孔与保湿六种功效。
上市时间:2013年5月2日
防阳效果:SPF30 PA+++
主 要诉求:共四支色调,两支建议单独使用的明亮色系,一為打造粉嫩肌、一為打造健康肤色;另两支為调色专用,局部饰底或整脸用均可,一為粉红色、一為轻桃 色。不过,Clinique强调不以传统的粉体来修饰肤色,而是採取不含色彩结合光学科技的技术,透过光学紫滤镜科技,修饰蜡黄、暗沉、偏黑或苍白肌肤。 水磁场自动校色保湿CC霜属於明星水磁场系列,保湿的效果自然不在话下。
上市时间:2012年11月1日
防阳效果:SPF30
主 要诉求:唯一标榜能让肌肤变成小脸效果的CC霜,将抗老超紧塑系列的拉提效果,加入CC霜中,有别於其他单纯以保湿或是美白的保养诉求。所谓的5D,指的 是利用5D拉提科技,将保养成分深入表皮、表皮真皮连接处、真皮表层、真皮网状层与皮下组织。两种顏色色选,还加入矿物匀亮分子,让肤表呈现平滑明亮感。
上市时间:2012年9月26日
防阳效果:SPF30 PA+++
主 要诉求:以具有保湿修护功能的全效遮瑕乳自居,重点是质地是轻盈、无油更舒润,丝绒滑顺的完妆效果,特别适合亚洲女性,而且不会造成任何厚重的负担感。单 一自然肤色色选,适合所有肤色使用,还有淡淡的白桃与果香,以及花香氛围,五合一的舒缓、保湿、抗老、隔离与遮瑕,给肌肤简单却多效的全方位呵护。

Wednesday, December 4, 2013

Which IRA Is Right For You?

Etrade has a step by step guide to determine the best IRA for you -

https://us.etrade.com/e/t/plan/retirement/gethelpchoosing?SC=BR12345&WT.mc_id=12345#l2&l7

Which IRA Is Right For You?

Which IRA is Right for You?
We can help you choose in minutes with our Easy IRA Selector.

Traditional IRA Contribution Amounts and Deadlines
YearMaximum Contribution
(if under age 50)
Maximum Contribution
(if over age 50)
Contribution DeadlineIncome Limits on Tax Deductibility
2013$5,500$6,50004/15/2014
Neither You nor Your Spouse in Employer Plan - Contribution is Fully Tax Deductible
You're in an Employer Plan
Single$59,001-$69,000
Married- Filing Jointly$95,001-$115,000
Married- Filing Separately$0-$10,000
Only Your Spouse in an Employer Plan
Married- Filing Jointly$178,001-$188,000
Married- Filing Separately$0-$10,000
Traditional IRAs must be established by the tax filing deadline (without extensions) for the tax year to which your qualifying contribution(s) will apply. Applications postmarked by this date will be accepted.

Roth IRA Contribution Amounts and Deadlines
YearMaximum Contribution
(if under age 50)
Maximum Contribution
(if over age 50)
Contribution DeadlineIncome Limits for Contributions
2013$5,500$6,50004/15/2014
Single$112,001-$127,000
Married- Filing Jointly$178,001-$188,000
Married- Filing Separately$0-$10,000
Roth IRAs must be established by the tax filing deadline (without extensions) for the tax year to which your qualifying contribution(s) will apply. Applications postmarked by this date will be accepted.

Coverdell ESA Contribution Amounts and Deadlines
YearMaximum ContributionContribution DeadlineIncome Limits for Contributions
2013$2,0004/15/2014
Single$95,001-$110,000
Married- Filing Jointly$190,000-$220,000
Coverdell ESAs must be established by the tax filing deadline (without extensions) for the tax year to which your qualifying contribution(s) will apply. Applications postmarked by this date will be accepted.

Need Help Choosing a Small Business Retirement Plan?
We can help you select a plan in minutes with our Small Business Retirement Plan Tool.

SEP IRA/Profit Sharing/Money Purchase Contribution Amounts and Deadlines
YearMaximum ContributionContribution Deadline
2012$50,00004/15/2013 (plus extensions)
2013$51,00004/15/2014 (plus extensions)
SEP IRAs must be established by the employer's tax filing deadline (plus extensions) for the tax year to which the qualifying contribution(s) will apply.

Profit Sharing/Money Purchase accounts must be established by December 31.

SIMPLE IRA Contribution Amounts and Deadlines
YearMaximum Contribution
(if under age 50)
Maximum Contribution
(if over age 50)
Contribution Deadline
2012$11,500$14,00004/15/2013 (plus extensions)
2013$12,000$14,50004/15/2014 (plus extensions)
SIMPLE IRAs must be established by October 1.

INDIVIDUAL AND ROTH INDIVIDUAL 401(K) Contribution Amounts and Deadlines
YearMaximum Salary Deferral
(if under age 50)
Maximum Salary Deferral
(if over age 50)
Contribution Deadline
2012$17,000$22,50012/31/2012
2013$17,500$23,00012/31/2013
YearEmployer Profit Sharing/
Maximum Contribution*
(if under age 50)
Employer Profit Sharing/
Maximum Contribution*
(if over age 50)
Contribution Deadline
2012$50,000$55,50004/15/2013 (plus extensions)
2013$51,000$56,50004/15/2014 (plus extensions)
Individual 401(k) and Roth Individual 401(k) accounts must be established by December 31.
* Total of employer profit sharing contributions and salary deferrals cannot exceed maximum contribution limit.