Accept Credit Cards Online Without Opening A Merchant Account

Merchant account has been a necessity for the retailers in order to accept credit cards from their customers online on their websites. Usually you must go to your bank, they evaluate your risks and only then after thorough checks you are allowed to open a merchant account. Opening a merchant account takes a lot of time – lots of paperwork is needed, your credit score should be checked, your websites are checked thoroughly. The acquiring bank can easily decline your application if your product seems a bit risky to them. Such things happen especially when you try to sell your digital products online – ebooks or software. So it can be a quite hard to start processing credit cards online. But today, it is not the only option for the business which is just on the start up move. There are a number of services which does not require merchant account for accepting credit cards. All you have to do is just to signup on one of these companies, add your product details to the system and place payment buttons on your website. They will resell your product – your customers will be able to buy your product with credit cards or Paypal payments – and you will get your earnings paid out directly to your bank account or Paypal.

In order to accept credit cards online without a merchant account you have to:

1. Search for the existing credit card processors online that would process payments for you. You have to find whether you need a processor to accept cards both in online and offline mode. Then you need to locate whether the processor allows your special product type to be accepted.

2. Then you must initiate an investigation for the third party payment processors which are available. Some of third party payment processors have comparatively higher transactions fees than others, but on the other hand they provide very responsive services and makes immediate bank account transfers. So make sure you get all information beforehand – processing rates, refund and chargeback fees, a list of accepted product types.

3. When you find a right company, just signup on it and provide some personal details. All of them require your personal details, bank account information, contact details and an email address.

4. In some cases you will also need to provide the social security number for applying through the third party processors, depending on the sales turnover and account needs.

5. The next important stage is incorporating the service into the website. This requires a bit of web development consultations to create some attractive payment buttons for the customers to complete their purchase. Usually once your account is approved, you have to submit products that you are planning to sell for an approval. The processor usually checks your website and product’s sales pages whether you provide enough information about the product, they compare if your website complies to all regulatory rules and then approves your product. Once you get your product approved, you are provided a simple html code to place on your website to direct visitors to your product’s checkout page – to order the product. All you have to do is just to place those payment buttons on your website and you will be ready to go.

Once you have everything set up, all you have to do is just to start advertising your website online to get visitors… Potential customers will read your website and find all payment buttons you provide. They will be redirected to your products checkout pages and be able to buy using their credit cards or Paypal account.

This way you don’t need to open a separate merchant account to sell products online. One more good thing for using 3rd party payment processors is that you don’t have to deal with possible credit card fraud. Such companies will check all your transactions for you, so you can be sure that you will sell your products successfully without any potential risks to your account getting closed.

Cremation Comfort – Products To Hold Ashes

One of the most important and sometimes controversial decisions that need to be made after the death of a family member is choosing burial or cremation of the body. Many factors weigh into the decision including but not limited to the wishes of the deceased and the budget constraints of those paying for the services. Tough economic times as well as an eye on future environmental concerns have made cremation become increasingly popular with families world-wide. Fortunately, there are a number of options available for not only storing the cremated ashes of the deceased but also for displaying and honoring the ashes in a tasteful yet personal manner.

Pros to choosing cremation

Cremation is the process of burning the body and reducing the dry bones into very small fragments. Religious views, personal preference or factors surrounding the death of the individual may all weigh heavily on the decision to cremate rather than bury the body. Typically much less expensive then burial, cremation of the body has been said to be more environmentally friendly as well due to chemicals used in embalming a body to prepare it for cemetery burial. Other countries, such as Europe, have experienced an overcrowding of their cemeteries making cremation a necessity rather than necessarily a choice and where this is not an issue in the United States, over time it could become a valid concern.

More than just cremation urns

Retailers have taken a modern approach to housing the cremated ashes of the deceased and the variety of options allows for families to choose from a more creative blend of products. Cremation urns have stretched far beyond the average wood urn or ceramic urn. Today, memorial urns are available in a wide assortment of sizes and themes in a variety of materials, making it easy and affordable for families to choose what works best and keep within their budget. Unique jewelry pendants, rings and bracelets called cremation jewelry have been created as a personal and intimate way to hold a small portion of ashes and accessorize a wardrobe while keeping a loved one close. Cremation art incorporates a small amount of cremated ash into the painting and is combined with an earth friendly compound to create a lasting and decorative reminder of the deceased.

Cremains can be presented and housed in a variety of manners such as:

A cremation urn
Cremation jewelry
Cremation art

The choices that follow the loss of a family member center initially on burial or cremation of the body. Personal preference of the deceased as well as other factors such as economic constraints may impact the decision and lead families to choose cremation. A unique assortment of products such as sculpture cremation urns and cremation jewelry allow for a personal yet practical approach to housing the ashes of the deceased.

Evaluating Online Business Options

Working from home is becoming extremely popular because it enables you to work your own hours when it suits you around your personal commitments.

How do you learn about business opportunities, work from home options. A starting point and knowing what to look for can be difficult when evaluating the business marketing,work at home,online business opportunities, affiliate marketing.

How much time does it take researching and evaluating the pros and cons of the different and sometimes complex possibilities and determining whether some business opportunities, work from home are a scam or have real potential to set you up in a home business that earns real money in the long run.

There are thousands and thousands of business opportunities, work from home, affiliate marketing. online business opportunities,internet marketing marketing their sites with the marketing jargon with terms like optimization automated marketing turnkey business etc etc.

Evaluating the many business opportunities, internet marketing and work at home can be stressful it all can be so foreign to you with all the new terminology used on the internet. What do they really mean and where is the proof.

Some of these sites make you feel an idiot with the complex terminology and 10,000 word essays of their business opportunity. By the time you get to the end of the page you’re totally bemused and disinterested. The email is often used to market their wonderful businesses which adds to the information overload with long boring emails.

So how do you wade through all these business opportunities on the internet and choose the best program. Deciding on your evaluation criteria before you start researching for the ideal work at home, online business opportunity is a good starting point. It is also important to have systematic approach to the evaluation process.

Book marking sites that you find interesting into different folders before your start an in depth evaluation, but be careful not to bookmark to many websites as this may be counter productive to the evaluation process. Here is some simple but effective evaluation criteria that you can use to determine the program best suited to your needs

1. Website presentation needs to be simple and professional in appearance that includes relevant and up to date information. I personally don’t like websites that have a lot of gizmos and gadgets because they are very intrusive. When these sites start flashing all their bling it makes me think that the product is poor and needs a lot of bling to distract you and often slows the page loading.

2. High quality product or service that is unique with a good overall value. An informational product should be concise with relevant up to date information and easy to understand. A good understanding of what the product or online business is about and the benefit of the product or work at home opportunity is important. The benefits of the product or online business need to be clearly stated before involving yourself or purchasing a product.

3. To be successful with any internet opportunity or work at home the product or online business needs to be relevant and effective. It is important not to waste good money on complex outdated informational techniques. The online business or product should have a simple systematic approach for implementing the work at home opportunity.

4. Effective customer services shows good business practices. If the customer service is excellent the customers are more likely to return and recommend your product or services to others. Never underestimate the power of word of mouth has on any business. A quick relevant response to your enquiry or concerns entails good customer service. A ticketing service is used by most businesses online to answer to queries. An automatic email is sent acknowledging your ticket submission and generally you will receive an answer within 48hours if not earlier. This system should be available 24 hours a day 7 days a week.

5. Is the product or online business opportunity user friendly? Simple explanations and easy to use strategies should be part a good product or work at home business. The customers or potential business owners should find it easy to implement the strategies given to produce an income online with their product or work at home opportunity. Instructions that are more like essays only complicate the learning process and navigating through complex tools will only frustrate the users and lead to customer dissatisfaction.

It is important to remember that you can find a legitimate work at home ,online business but you do have to thoroughly research the product, service or online business before you commit yourself and your money to it. Sticking to your research guidelines will help to avoid the scams and find the most suitable work at home, online business for you.

Telemarketing An Overview

Telemarketing is the process of using of the telephone as an interactive medium for selling goods or services to customers, for promotion and measuring promotion response and surveying consumer preferences through telephonic conversations. Outbound telemarketing is also used to follow-up on inquiries, to clarify or upgrade an order, or to gather information about consumers or other aspects of the market. It has been successfully used to market a variety of products and services, and it has the potential for selling virtually any consumer product or service. If the purpose of telemarketing is to make a sale, sometimes telemarketers have personal information when they call a customer which is useful for further strengthening the business prospects. Telemarketing can also include pre-recorded sales pitches programmed to be played via automatic dialing.

Telemarketing is used by business-to-business marketers to identify qualified leads, thus avoiding time and costs associated with personal sales calls. The success of any telemarketing project is measured in terms of contacts made in reaching the desired person, attempts made, and completed sales, surveys, etc. termed as conversion. Most telemarketing calls are cold calls meaning these are unsolicited phone calls to prospects customers or consumer they don’t know, without a prior appointment in an attempt to attract a new business. For this reason telemarketing is one of the most controversial types of marketing.

Telemarketing can be divided in two major categories; business to business and business to consumer and it can be further divided in four subcategories namely:

Lead Generation as the name implies, it is the process of collecting information about qualified prospects. Sales, it is the process of using persuasion or negotiation skill to sell a product or service. Outbound, is proactively contacting prospective and pre-existing customers for business purposes. Inbound, is reactive reception of incoming orders or requests for information. Inbound telemarketing occurs when customers call in to businesses to place orders.

Procedure – telemarketing can be done from company office, from a call centre or from home. It may involve live operator or a pre-recorded message, it is known as automated telemarketing. An effective telemarketing process often involves two or more calls, first or a series of first call determines the customer needs and second call is made to motivate the customer to make a purchase.
There are various ways and means of identifying the prospective customers, namely previous purchase history, requests for information, credit limits, competition entry forms or application form. Names may also be purchased from another company database or obtained from a telephone directory some other public list or forum. The qualification process is a way to find prospective customers who are most likely to purchase the product or service being sold or advertised. A Call is not considered telemarketing call if it is made for gathering data for market research or survey. Charitable and other non profit making companies often use it solicit donations.

To be a successful telemarketer, one needs to have good listening skill, good memory, should be able to concentrate while making a call and develop the ability to block out the distractions around. A genuine interest in people will go a long way toward success in telemarketing jobs. When you treat the people you are calling as individuals and not just the next number on your list, it will show in your work. You will be better able to connect with them, and your success rate in selling products or booking appointments will increase.

Telemarketing jobs will definitely help you to develop your people skills and the lessons you learn while working in a call center can be applied to other situations. There are certain rules that all telemarketers must adhere to, they must maintain do not call list and they are to display a phone no that can be called back to.

Cloud Systems Toronto For Personal And Business Use

The Internet has already offered thousands of services for all people including what is called cloud systems Toronto for individuals from various industries from all over the world. The world is undoubtedly in the digital age now. People depend on the computer for various purposes. An individual who depends a lot on a computer for numerous data for various purposes needs a huge amount of memory for storing data. It can be used for personal and business needs at the same time.

This is also true for a large company who has enormous amount of records and would like to have it backed up or get rid of some and place it online and save ample space. Convenient access to these data is also a major concern especially to companies that rely on business travelers for corporate deals. The Internet now offers online storage for different data. It can be possible using hosting companies who provide source codes for storage needs.

Cloud computing Toronto is definitely an innovative service that offers many advantages especially for organizations or companies that need enormous data storage. They can really take advantage of this service, since they would only have to pay for the specific storage they consume, without having to install another physical storage instrument and allows them to save up valuable amount. Furthermore, companies don’t have to worry about maintenance, backups and replication as these are all provided by the cloud storage service provider.

An individual can also take advantage of the services offered by Cloud computing Toronto providers. Photos and movie collection that can be considered irreplaceable and treasured can be stored safely, as well as all the pertinent documents and records that need access at any given place and time, such as a curriculum vitae, certificates, and personal records and legal documents. A lot of people these days would like to keep their data in a safe place wherein no one can take a peek at it. This is hard to do especially if you are using a planner or a diary wherein people can see. It will be best to just use the technology and subscribe for a cloud systems Toronto. It will store your important information and data and you can go paperless in no time.

Storing data online is a service that is offered with a high amount of security, since providers prioritize data security to protect clients, who might be apprehensive at first to trust a third party for significant files. Some companies who rely enormously on important records choose to avail storage as backup for some files, while others who are concerned of their privacy and confidentiality choose not to store sensitive files online. Providers of this type of service offer various types of cloud environment services depending on the purpose. It can come in different design as well. Data can be publicly accessed or kept private. Clients can now choose the best from numerous providers of cloud storage that will meet their demands and needs.

Definition: Health Products and Services

Achieving health and remaining healthy is an active process. Effective strategies for staying healthy and improving one’s health include the following elements:

Nutrition
Personal health depends partially on the social structure of one’s life. The maintenance of strong social relationships is linked to good health conditions, longevity, productivity, and a positive attitude. This is due to the fact that positive social interaction as viewed by the participant increases many chemical levels in the brain which are linked to personality and intelligence traits.

Sports nutrition
Sports nutrition focuses the link between dietary supplements and athletic performance. One goal of sports nutrition is to maintain glycogen levels and prevent glycogen depletion. Another is to optimize energy levels and muscle tone. An athlete’s strategy for winning an event may include a schedule for the entire season of what to eat, when to eat it, and in what precise quantities (before, during, after, and between workouts and events).

Exercise
Exercise is the performance of movements in order to develop or maintain physical fitness and overall health. It is often directed toward also honing athletic ability or skill. Frequent and regular physical exercise is an important component to prevention of some of the diseases of affluence such as cancer, heart disease, cardiovascular disease, Type 2 diabetes, obesity and back pain.

Exercises are generally grouped into three types depending on the overall effect they have on the human body:

Flexibility exercises such as stretching improve the range of motion of muscles and joints.
Aerobic exercises such as walking and running focus on increasing cardiovascular endurance and muscle density.
Anaerobic exercises such as weight training or sprinting increase muscle mass and strength.
Physical exercise is considered important for maintaining physical fitness including healthy weight; building and maintaining healthy bones, muscles, and joints; promoting physiological well-being; reducing surgical risks; and strengthening the immune system.

Proper nutrition is just as, if not more, important to health as exercise. When exercising it becomes even more important to have good diet to ensure the body has the correct ratio of macronutrients whilst providing ample micronutrients; this is to aid the body with the recovery process following strenuous exercise. When the body falls short of proper nutrition, it gets into starvation mode developed through evolution and depends onto fat content for survival.

Hygiene
Hygiene is the practice of keeping the body clean to prevent infection and illness, and the avoidance of contact with infectious agents. Hygiene practices include bathing, brushing and flossing teeth, washing hands especially before eating, washing food before it is eaten, cleaning food preparation utensils and surfaces before and after preparing meals, and many others. This may help prevent infection and illness. By cleaning the body, dead skin cells are washed away with the germs, reducing their chance of entering the body.

Stress management
Prolonged psychological stress may negatively impact health, such as by weakening the immune system and mind. Stress management is the application of methods to either reduce stress or increase tolerance to stress. Relaxation techniques are physical methods used to relieve stress. Psychological methods include cognitive therapy, meditation, and positive thinking which work by reducing response to stress. Improving relevant skills and abilities builds confidence, which also reduces the stress reaction to situations where those skills are applicable.

Reducing uncertainty, by increasing knowledge and experience related to stress-causing situations, has the same effect. Learning to cope with problems better, such as improving problem solving and time management skills, may also reduce stressful reaction to problems. Repeatedly facing an object of one’s fears may also desensitize the fight-or-flight response with respect to that stimulus — e.g., facing bullies may reduce fear of bullies.

Prolonged hours of surfing on the Internet is a major concern that can affect the eyes significantly. White backgrounds on computer screens with a viewing distance of less than 14 inches is known to increase strain, mental fatigue and temporary di-chromatic visions in a normal healthy human being. Trying to opt for black or any non-white backgrounds can help in reducing eye strain infront of PCs. While Black will also eat up the evergy consumption of your computer screen, Green is recommended as the best option to use as backgrounds in webpages. ( color code # 2F6533 is the right median with soothing wavelength of 540nm.)

Health care
Health care is the prevention, treatment, and management of illness and the preservation of mental and physical well being through the services offered by the medical, nursing, and allied health professions.

Workplace wellness programs
Workplace wellness programs are recognized by an increasingly large number of companies for their value in improving the health and well-being of their employees, and for increasing morale, loyalty, and productivity. Workplace wellness programs can include things like onsite fitness centers, health presentations, wellness newsletters, access to health coaching, tobacco cessation programs and training related to nutrition, weight and stress management. Other programs may include health risk assessments, health screenings and body mass index monitoring.

Motivational Products and Services Websites

Eczema skin symptoms can be caused by synthetic chemicals found in personal care products. Each day, an adult typically uses many types of personal care products, with an exposure of about 126 chemicals per day. Sadly, many of us continue to use these products because we are not previously aware about the harm that these chemicals can cause. Also, since most products on the shelves contain these chemicals in one form or another, we find it hard to avoid them totally. Products that contain natural and organic ingredients also tend to be more expensive.

Recently, there are various studies that show that we do suffer from ill effects such as eczema skin symptoms from the use of these chemicals. While you may think that these chemicals are only applied topically on our skin, they can still penetrate into our bloodstream and are absorbed by our bodies. Evidence of this can be found in the new contraceptive patch or even the nicotine patch.

Some of the ingredients in personal care products that can get into our bloodstream via our skin include:

1. Mineral oil. Mineral oil is oftentimes found in lipstick, lotions and makeup removers. This chemical can also clog up your pores because it does not allow your skin to breathe or release toxins. However, when this happens, you are inhibiting the normal functioning of your skin. This can also cause the premature aging of your skin.

2. Formaldehyde. This ingredient is commonly used in soaps, nail hardeners, lipsticks, body lotions and shampoos. It acts as a germicide, preservative and fungicide. However, it is also a a powerful carcinogenic and mutagenic, which can damage and inhibit your body’s ability to repair its DNA. Formaldehyde has been banned in both Sweden and Japan.

3. Synthetic fragrances. If you have been spraying yourself with many doses of perfumes, you probably do not realize that perfume can contain hundreds of harmful chemicals. Perfumes can cause headaches, rashes, coughing, dizziness, vomiting and skin irritations. The hydrocarbons that are found in these fragrances usually contain formaldehyde, styrene, toluene and phenol. These are chemicals that can cause depression, exhaustion, anxiety, dizziness, diminished blood flow and brain damage.

4. Petrolatum. Petrolatum is commonly known as mineral oil jelly. It is a petroleum derivative that is commonly used in lip balms. This chemical clogs skin from taking in oxygen and releasing toxins, which can cause you to have acne. Some of the other things that can happen whenever you use petrolatum is sensitivity to the sun and chapping.

5. Methyl, Propyl, Butyl and Ethyl Parabens. These are used as preservatives to help extend the shelf lives of many personal care products. However, these preservatives can cause allergic reactions and rashes. They can also increase your risk to developing cancer because these chemicals also contain highly toxic formaldehyde-releasing ingredients that are carcinogenic.

6. Propylene Glycol. Propylene glycol is a petroleum derived chemical. It is used as a humectant, which is a chemical that will keep products moist. However, it also breaks down protein and cellular structure. Workers who make these products that contain propylene glycol are required to wear protective gloves, clothing and goggles. In the United States this chemical is listed as a skin and eye irritant. It is also considered to be a possible carcinogen because it is known to cause both liver and kidney damage. Yet, it is used in many types of antiperspirants, suntan lotions, lipsticks and hair care products.

7. Retinyl Palmitate. It is a topical form of Vitamin A. In Canada this product is listed as a toxin.

8. Sodium Lauryl (Laureth) Sulfate. This is often referred to as SLS or SLES. SLS was originally used as an industrial garage floor cleaner. However, it can now be found in several inexpensive shampoos, toothpastes, bubble baths and lotions. You may not be aware that SLS is irritating, causes skin irritations, itchiness, cracking, dandruff and infections in children who use bubble bath with this in it. Even animals have been damaged by SLS. Whenever this is mixed with other common chemicals that are found in cosmetics it will create nitrates in your body before it ultimately produces carcinogens.

9. Polyethylene Glycol. Polyethylene Glycol or PEG is used to dissolve oil and grease. While this chemical is normally found in spray-on oven cleaners, you should also know that it can also be found in many hair care and skin care products. In personal care products, it is also used as a thickener. However, it is known to strip the natural moisture from your skin, leaving it and your immune system vulnerable. PEG can also possibly cause cancer.

10. DEA (Diethanolamine), MEA (Monoethanolamine) and TEA (Triethanolamine). You will find these chemicals in bubble baths, shampoos, soaps and facial cleansers. Unfortunately, your skin can easily absorb these chemicals. They are essentially hormone-disrupting chemicals that can also form cancer agents. You should know that research has been conducted that indicates that there is a strong link to both liver and kidney cancer.

11. Imidazolidinyl Urea ( IU) and Diazolidinyl Urea (DU). These are very common chemicals that are found in cosmetic preservatives. They are also found in baby shampoos, lotions and creams. These chemicals are known to cause eczema symptoms, dermatitis, joint pain, allergies, depression, headaches, chest pain, ear infections, chronic fatigue, dizziness, loss of sleep, weakening of the immune system and cancer.

12. Isopropyl Alcohol. Isopropyl alcohol is derived from petroleum. It is used in antifreeze and shellac. It is also used in hair color rinses, body rubs, hand lotion and aftershave lotions. There are many side effects from using these personal care products containing this chemical. They include headache, dizziness, depression, nausea, vomiting and in some cases, coma. When isopropyl alcohol penetrates your skin, it can destroy your intestinal flora, reducing your resistence to parasites and bad bacteria.

Manufacturers of personal care products argue that the synthetic ingredients are in safe proportions and therefore do not cause any harm or impact. They also say that it is hard to prove that eczema or other allergic symptoms stem from the absorption of these ingredients.

At the same time, there are other researchers who believe otherwise. They argue that low exposure over a period of time can cause a toxic build up in our bodies. This will eventually manifests in eczema skin symptoms, allergic reactions or in the most severe cases, cancer.

Of course, the above list does not cover every single chemical that can be potentially harmful. There may be other chemicals contained in personal care products that you may be sensitive to. To minimize eczema skin symptoms, you should use more organic products that contain natural ingredients. Doctors and researchers are only starting to realize what the long-term effects of these ingredients will be. We can also do our part by demanding for safer personal care products.

Eczema Skin Symptoms Caused By Synthetic Chemicals Found In Personal Care Products

Eczema skin symptoms can be caused by synthetic chemicals found in personal care products. Each day, an adult typically uses many types of personal care products, with an exposure of about 126 chemicals per day. Sadly, many of us continue to use these products because we are not previously aware about the harm that these chemicals can cause. Also, since most products on the shelves contain these chemicals in one form or another, we find it hard to avoid them totally. Products that contain natural and organic ingredients also tend to be more expensive.

Recently, there are various studies that show that we do suffer from ill effects such as eczema skin symptoms from the use of these chemicals. While you may think that these chemicals are only applied topically on our skin, they can still penetrate into our bloodstream and are absorbed by our bodies. Evidence of this can be found in the new contraceptive patch or even the nicotine patch.

Some of the ingredients in personal care products that can get into our bloodstream via our skin include:

1. Mineral oil. Mineral oil is oftentimes found in lipstick, lotions and makeup removers. This chemical can also clog up your pores because it does not allow your skin to breathe or release toxins. However, when this happens, you are inhibiting the normal functioning of your skin. This can also cause the premature aging of your skin.

2. Formaldehyde. This ingredient is commonly used in soaps, nail hardeners, lipsticks, body lotions and shampoos. It acts as a germicide, preservative and fungicide. However, it is also a a powerful carcinogenic and mutagenic, which can damage and inhibit your body’s ability to repair its DNA. Formaldehyde has been banned in both Sweden and Japan.

3. Synthetic fragrances. If you have been spraying yourself with many doses of perfumes, you probably do not realize that perfume can contain hundreds of harmful chemicals. Perfumes can cause headaches, rashes, coughing, dizziness, vomiting and skin irritations. The hydrocarbons that are found in these fragrances usually contain formaldehyde, styrene, toluene and phenol. These are chemicals that can cause depression, exhaustion, anxiety, dizziness, diminished blood flow and brain damage.

4. Petrolatum. Petrolatum is commonly known as mineral oil jelly. It is a petroleum derivative that is commonly used in lip balms. This chemical clogs skin from taking in oxygen and releasing toxins, which can cause you to have acne. Some of the other things that can happen whenever you use petrolatum is sensitivity to the sun and chapping.

5. Methyl, Propyl, Butyl and Ethyl Parabens. These are used as preservatives to help extend the shelf lives of many personal care products. However, these preservatives can cause allergic reactions and rashes. They can also increase your risk to developing cancer because these chemicals also contain highly toxic formaldehyde-releasing ingredients that are carcinogenic.

6. Propylene Glycol. Propylene glycol is a petroleum derived chemical. It is used as a humectant, which is a chemical that will keep products moist. However, it also breaks down protein and cellular structure. Workers who make these products that contain propylene glycol are required to wear protective gloves, clothing and goggles. In the United States this chemical is listed as a skin and eye irritant. It is also considered to be a possible carcinogen because it is known to cause both liver and kidney damage. Yet, it is used in many types of antiperspirants, suntan lotions, lipsticks and hair care products.

7. Retinyl Palmitate. It is a topical form of Vitamin A. In Canada this product is listed as a toxin.

8. Sodium Lauryl (Laureth) Sulfate. This is often referred to as SLS or SLES. SLS was originally used as an industrial garage floor cleaner. However, it can now be found in several inexpensive shampoos, toothpastes, bubble baths and lotions. You may not be aware that SLS is irritating, causes skin irritations, itchiness, cracking, dandruff and infections in children who use bubble bath with this in it. Even animals have been damaged by SLS. Whenever this is mixed with other common chemicals that are found in cosmetics it will create nitrates in your body before it ultimately produces carcinogens.

9. Polyethylene Glycol. Polyethylene Glycol or PEG is used to dissolve oil and grease. While this chemical is normally found in spray-on oven cleaners, you should also know that it can also be found in many hair care and skin care products. In personal care products, it is also used as a thickener. However, it is known to strip the natural moisture from your skin, leaving it and your immune system vulnerable. PEG can also possibly cause cancer.

10. DEA (Diethanolamine), MEA (Monoethanolamine) and TEA (Triethanolamine). You will find these chemicals in bubble baths, shampoos, soaps and facial cleansers. Unfortunately, your skin can easily absorb these chemicals. They are essentially hormone-disrupting chemicals that can also form cancer agents. You should know that research has been conducted that indicates that there is a strong link to both liver and kidney cancer.

11. Imidazolidinyl Urea ( IU) and Diazolidinyl Urea (DU). These are very common chemicals that are found in cosmetic preservatives. They are also found in baby shampoos, lotions and creams. These chemicals are known to cause eczema symptoms, dermatitis, joint pain, allergies, depression, headaches, chest pain, ear infections, chronic fatigue, dizziness, loss of sleep, weakening of the immune system and cancer.

12. Isopropyl Alcohol. Isopropyl alcohol is derived from petroleum. It is used in antifreeze and shellac. It is also used in hair color rinses, body rubs, hand lotion and aftershave lotions. There are many side effects from using these personal care products containing this chemical. They include headache, dizziness, depression, nausea, vomiting and in some cases, coma. When isopropyl alcohol penetrates your skin, it can destroy your intestinal flora, reducing your resistence to parasites and bad bacteria.

Manufacturers of personal care products argue that the synthetic ingredients are in safe proportions and therefore do not cause any harm or impact. They also say that it is hard to prove that eczema or other allergic symptoms stem from the absorption of these ingredients.

At the same time, there are other researchers who believe otherwise. They argue that low exposure over a period of time can cause a toxic build up in our bodies. This will eventually manifests in eczema skin symptoms, allergic reactions or in the most severe cases, cancer.

Of course, the above list does not cover every single chemical that can be potentially harmful. There may be other chemicals contained in personal care products that you may be sensitive to. To minimize eczema skin symptoms, you should use more organic products that contain natural ingredients. Doctors and researchers are only starting to realize what the long-term effects of these ingredients will be. We can also do our part by demanding for safer personal care products.