Author: admin

Occupation: Director
Industry: Higher Education
Age: 30
Location: Salt Lake City, UT
Salary: $58,000 ($53,000 from my full-time job, plus a $5,000 stipend for adjunct teaching)
Net Worth: ~$115,500 ($40,000 in personal savings (including retirement), $15,000 in joint savings with my wife, $450,000 in our home value, minus our $314,000 mortgage (divided by two since we do not combine finances). I know my retirement for my age is low. Our college slashed our retirement benefits a few years ago, so I’m mostly doing it on my own. My wife and I keep our finances separate apart from owning our home together. We also have a joint savings account and two joint credit cards for bills and expenses.)
Debt: $314,000 owed on our mortgage
Paycheck Amount (1x/month): $2,830, after 11% contribution to a Roth IRA
Pronouns: She/her read more

Forget hyaluronic acid for a moment. It’s super hydrating but it’s not the be-all and end-all of great skin. If you’re dealing with flaky patches or your face feels uncomfortably tight after cleansing, look out for urea, says Dr Injibar. “This is a humectant, which means that it draws moisture into the skin like a magnet.” Dr Injibar says urea is an active part of the natural moisturising factor (NMF), a group of moisturising elements that are found inside our skin naturally. Often, our natural reserves run low and need to be replaced using skincare. “Lotions and creams that contain urea can help hydrate the skin further and ease flaking, dryness or itchy skin, too,” says Dr Injibar. It’s great on elbows and knees, too. read more