The complete list of all life-guiding messages for young people – click the titles for further information

Read more about the article What should I look for in different types of sunscreen?
maialen protection search by Mario Antonio Pena Zapatería

What should I look for in different types of sunscreen?

When choosing sunscreen, take into consideration: Broad spectrum (protects against UVA and UVB rays), waterproof, longlasting and Sun Protection Factor (SPF – the higher the number, the greater the protection).

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Living with your actions

You are going to have to live with your actions for the rest of your life; thinking more about the consequences before you make the decision can save yourself the regret and anguish.

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Planning to borrow money

If youare planning to borrow money from someone, you need to know how you will pay it back as part of your plan. This is especially important if they are family or friends.

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Read more about the article How do I start making better decisions?
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How do I start making better decisions?

A logical and systematic decision-making process helps you address the critical elements that result in a good decision. By taking an organised approach, you’re less likely to miss important factors, and you can build on the approach to make your decisions better and better.

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What is the contraceptive implant?

The contraceptive implant (LARC) is a small flexible tube that’s inserted under the skin of your upper arm. It releases the hormone progestogen to prevent pregnancy. It is also known as “LARC”, or long-acting reversible contraception.

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Read more about the article Short-term payday loans often have high interest rates
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Short-term payday loans often have high interest rates

Short-term payday loans often have high interest rates. £400 borrowed for 28 days at 1737% APR means you would have to pay back £500 at the end of the month – so you pay £100 for the privilege of borrowing £400 for a month, and also have to repay the £400.

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How much State Pension will I get?

The amount of State Pension you get depends how many qualifying years of National Insurance you have built up. You build up qualifying years by paying National Insurance contributions, or you may get National Insurance credited to you by the government.

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