While I know of at least one famous beauty editor who swore skin doesn't need moisturizer, basically everyone else I've read disagrees and is an adamant believer in it. A basic law of beauty is that everyone, no matter her skin type, should moisturize. Even if your skin is oily, it will benefit from moisturizers. (The only exception is those with acne). Why? Moisturizers seal moisture into skin (BERG calls this the "Saran Wrap effect"). So how much should you moisturize? Your skin will tell you. When your skin is tight, it's crying out for moisture. Be careful not to overmoisturize -- this can clog pores.

Are eye creams necessary? Well maybe. Some beauty experts strongly recommend eye creams. Why? The skin around the eye contains no fatty tissue and is therefore very thin and susceptible to wrinkles. Special eye creams are formulated to "thicken" this area. Yet other experts (including the beauty editors of Allure in their new book) claim your daily lotion works around the eyes just as well.