Sun Exposure & UV Rays: The Basic Facts

The human body benefits from sun exposure. And a little bit of tan protects you from the sun. Right? Wrong!

The body does indeed benefit from sun exposure. But a little bit of tan does not necessarily protect you from the sun. Lets see why.

The suns rays are a major source of vitamin D and help the bodys systems acquire much needed calcium for building healthy bones. However, most people dont need to spend large amounts of time exposed to the sun in order to get their required amount of vitamin D.

In fact, the bodys health can actually suffer negative effects when its exposed too long to the suns rays, especially if its unprotected. Results can vary from skin and eye damage to immune system suppression and ultimately cancer, even for the young.

So lets look at the basic facts about sun exposure.

There are three kinds of invisible ultraviolet (UV) rays in the sun that reaches earth: UVA, UVB, and UVC. When these rays come in contact with our skin, affects of UVA and UVB can be - tans, burns and other reactions (e.g. like acne and cancer).

Its also notable that the effects of all UV rays are not the same. Depending upon the season, time of day and place on the planet in relation to the sun - (i.e. your altitude and latitude), the rays intensities vary. For example, during summertime, UV rays are at their strongest. Between 10 a.m. and 4 p.m., the rays are strongest. And close to the equator and at high altitudes (where air and cloud cover are less, resulting in increased harmful penetration of UV rays into the environment), the rays are also strongest.

In order to protect ourselves from the harmful UV rays, lets look at the skins first defense - melanin.

Melanin is a chemical present in a variety of colors and concentrations in most people's skin that helps with defense from the sun. Melanin reacts with UV rays and absorbs them. Or rather, to be more specific, the rays act upon melanin, causing the melanin to spread out or grow, increasing its presence in response to the suns exposure. The result? A sun tan. The darker the skin color, the more melanin the skin has for protection. And tanning for darker color is included here; color does not have to refer to just the original skin color.

A word of caution

Tanning may look great on the surface, - but the amount and length of time a person is exposed to the sun, determines the amount of possible damage. It also determines the future risk of damage thats likely.

For example, people who are exposed to the sun in huge doses like ship crews, field workers and beach surfers, are at higher risks for skin damage than indoor workers. What happens is that when the amount of UV exposure is greater than what the skin's melanin can handle, sunburn can result. And those with lighter, fairer skin, who have less melanin, absorb less UV, suffering less protection.

Since research has shown that UV damage from the sun is the main cause of skin cancer, (with as high as 20% of some populations developing skin cancer during their lifetime), we need to take a proactive approach in relation to sun exposure to avoid harmful skin damage.

As we say colloquially here in Australia - Slip, Slop, Slap. (I.e. Slip on a shirt, Slop on a hat, Slap on a sunscreen). Look after the skin youve got, because youre the one who will be living with it!

Angela Perin is author of the comprehensive new guide "Your Personal Guide to Tanning" - covering everything from your skin, uv light & sun-tanning, to sunburn, skin cancer, sunburn, sun protection and sunless tanning. Discover Safe Tan - The Ultimate Experience in Natural Sunless Tanning and download your free copy of this guide including bonus homemade recipes for sunburn relief, sunscreen and exfoliation!

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Saving After Securing No Money Down Loans

You have waited all year for this day. Today, you will empty every coin left in the bank to get what you want. Your victim lies beneath you, unmoving and unable to stop or delay your actions. The creature is completely helpless against your will. From the way you see it, you have worked hard in life, so you deserve to get what you want. Nothing and nobody is going to stop you! You steady your weapon in the air and then bring it crashing down upon your victim. Crack! Your victim - your plastic piggybank - splits, revealing a pile of coins large enough to buy the new sneakers you have been saving for. As we become adults, coins are not enough to buy the houses that we want. For those who have been unable to save enough before purchasing one, no money down loans are ideal.

Piggybacking Loan
Few people are able to buy houses in cash, but many are also unable to make a down payment before buying one. For them, no money down loans is the solution. These are perfect for the recent college graduate who has a good job and good credit, but has been unable to save up much money. Recent college graduates typically rent an Mikes Apartment for the same cost as a house payment. It seems to make more sense to shift the rent money to mortgage money. Without money to put down, however, a standard loan cannot be availed of. You may need to get a piggyback loan. It equals 20% of the home's cost, while the first loan equals 80% of that value.

Pygg and Pig
Even if you must search for no money down loans to purchase a house, it is never too late to start saving. Perhaps nothing symbolizes the act of saving more than the piggy bank. But have you ever wondered how the piggy bank got its name? Near the 1400s, the term "pygg" referred to a form of orange clay. Then by the 1700s or so, the word "pygg" sounded the same as the animal known as a "pig." So somehow, someone had the idea to create a "pygg" jar that was shaped to look like the animal.

Saving after Piggy Banks
After taking out no money down loans, adults usually start saving in accounts rather than in piggy banks. Still, with the added expense of paying off a mortgage, it is wise to engage in practices that will increase how much one is able to save. Here are some tips to achieve that goal.

* Stop trying to always have the biggest and the best products. We often spend more money to buy products that are more extravagant than what we need and can truly afford. If you stop and think about what you are spending money on, you can surely find ways to save a few bucks here and there. This will definitely help to pay off no money down loans.

* Try before you buy. If you are planning to buy something with a big price tag, try, borrow, or rent one first before you open your wallet. For example, after buying a pair of self-shaking salt and pepper shakers, you may realize that the product is either boring or unnecessary.

* Carefully define what you want and need. You need things such as shelter, clothing, transportation, and food. You want a mansion, a designer suit, an SUV, and steak dinners.

For those who have not been able to save much, no money down loans are ideal. However, after securing the loan, it is never too late to start saving.

Looking for a no money down home loan? Get a mortgage quote or find a mortgage quoter when you visit our site today!

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