Q: Exfoliants remove dead skin cells, which helps makeup settle better on your face. Apply some exfoliant. Don’t rub it in. Instead, gently massage or pat it in. Follow up by patting your face dry with a towel. Use the exfoliant at least twice a week. You should always wash your face before applying makeup.  If you have sensitive skin, use exfoliant sparingly. A non-exfoliant cleanser can always be used. It’s a good idea to use once (twice for oily skin) a day even when you aren’t wearing makeup. Toner replenishes your skin, so it’s useful anytime you apply a cleanser. Get a cotton ball or cosmetic pad. Dip it in a little bit of the toner, then use it to dab the toner across your face. It’ll keep your skin smooth and soft. Avoid using toners with alcohol. These can dry out your face. Moisturizer, when applied in the morning, shields your skin from the sun. It can be applied at night as well to reduce the formation of wrinkles and other marks that break up makeup. Look for a product that has an SPF rating of 15 or higher. Rub it over your face and neck. Try using moisturizer before applying makeup and after you wash it off at night. Lip balms also protect your skin and should be applied every morning. Look for ones with at least SPF 15, since these will protect your lips from sun damage. Avoid balms that have a shiny or glossy finish. These tend to look feminine.
A: Wash your face with an exfoliant. Apply toner to hydrate your skin. Protect your skin with a 15 SPF moisturizer. Wear lip balm.

Q: The first thing to do before applying for an AmEx card is figure out what you want out of your card. Are you interested in accumulating rewards, or is a card with minimal fees your top priority? What do you plan to use the card for? American Express offers numerous credit solutions which each have their own benefits and drawbacks.  Ask yourself what card/account characteristics are important to you and compare your list of needs and wants to available AmEx options. This will help you identify the card that is best for you. Make sure that AmEx cards are an acceptable form of payment for whatever purchases and expenses you intend to use it for. Some companies and businesses do not accept AmEx, so this is something worth looking into before applying. AmEx cards come in two varieties: charge cards and credit cards. Charge card balances must be paid off each month in full, but carry no interest charges or spending limits. Credit cards, on the other hand, work like most other credit cards and allow the account holder to carry a balance from month to month (which results in the accrual of interest charges). Review card terms, conditions, benefits, and identify any associated fees. It's important to read this fine print before applying for a card so you're not caught by surprise later on. The most common type of AmEx credit account is the personal card. There are twenty different personal cards to choose from, each with its own unique set of features. Personal cards are for individuals who want a credit card for their personal, non-business purchases and expenses.  Carefully read through the fine print on the various card agreements. Some advertised card perks may catch your eye, but be aware that some benefits carry certain conditions you may not be willing to accept, such as fees or monthly spending minimums. You can directly compare the terms and benefits of each card type on the AmEx website for ease of selecting the right one for you. If you a small business owner and are seeking an AmEx card to use solely for your company expenses, this is the type of card you want. AmEx small business card options come in 11 different options, each of which also features specialty rewards options with a number of partner companies.  Consider your specific business needs when deciding on a small business card. Will you need to travel a lot for work? How high are your average monthly expenses? Asking yourself these sorts of questions will help you narrow down your options. Many AmEx small business cards have special offers for cash back or extra rewards if you meet certain spending requirements within your first few months of membership. Find out whether the card you've chosen comes with any of these perks and plan accordingly to get the most out of your new card. Do not apply for a small business card if you are not a business owner or do not intend to use your card solely for business-related expenses. You may be asked to justify business account purchases or expenses if AmEx or the IRS suspects you are not using your card properly. These card options are only available to upper level executives of corporations. High-level employees of these companies may also be assigned corporate AmEx cards if their job-related responsibilities require frequent expenditures and/or travel, but they cannot apply for the card themselves.  You can work with an AmEx representative to design a custom program tailored to your business needs if none of the six preexisting card options seems ideal. All AmEx corporate cards carry annual fees that can be quite high. Most corporate expense accounts are immense, so this is usually not an issue. However, you should make sure the fees associated with the AmEx corporate card you choose are reasonable for your company.
A: Determine your credit needs. Choose a personal account. Choose a small business account. Choose a corporate account.

Q: One of the most common places for clothes to fold and crease is near your bottom and thighs when you sit. The fabric may get folded and permanently crease after you stand up.  For dresses or dress shirts, pull down slightly on the tail when you sit so you are sitting on it flat, as opposed to pressing wrinkles into it with your body. In the car, unbutton the bottom button of your shirt and lay it over the lap belt. This will help prevent creasing along the area where your seat belt rests. If you are in the habit of crossing your legs when you sit, be careful, as it will crease your pants. Just like when you sit, crossing your legs creates small folds in the fabric of your clothes that press down to create creases and wrinkles. Try sitting with your legs uncrossed on days you are avoiding creases. When you are sitting at a desk or table, if space permits, stretch your legs out and keep them outstretched. The more contact and pressure your clothing receives, the more it will crease. Try to let your clothing hang loose and not be pressed up against your body by your hands, folded arms, bags, or jacket for long periods of time. If you are at a party or other event where sitting is not required, stay standing. Sitting is mostly responsible for pant creases in the legs and the seat. If you are able to stand, you will minimize the opportunities for your trousers or dress to wrinkle.
A: Pull your clothes flat when you sit. Avoid crossing your legs. Don't put pressure on your clothes. Stand as much as possible.

Q: If the mistreatment doesn’t stop once you’ve stood up to the boys, you might have to involve an adult. Don’t feel guilty—you gave them fair warning about what you would do. Pull aside an adult and explain the situation. Remember to also tell the adult that you’ve already politely asked the boys to stop. If the person you tell doesn’t do anything, tell someone else. You can always try a parent, another relative, a teacher, a coach, or a community leader. In the future, try to limit the contact you have with the boys that keep mistreating you. If they keep a certain schedule or routine, try to work around it so that you don’t have to be near them. For example, if the boys usually hang out in the courtyard between classes, you might start hanging out in the gym or using an empty classroom. Bullies are less likely to mess with you if you’re in a group. Start walking through your neighborhood or school with your siblings or friends. That way, if the boys attempt to mistreat you, you will have support.  If they see you with other people, bullies will likely back off. Plus, if others witness the mistreatment, they can back up your claims to an adult. If the boys continue to mistreat you, you could try ignoring them. Sometimes, when you don’t give people the reaction they hope for, they lose interest and move on. Give it a try. The next time you see the boys, look the other way. If they try to interact with you or say anything, just keep walking.
A:
Tell an adult. Avoid the boys. Walk in a crowd. Try to ignore it.