How long do i have to be tanning outside for me to be in risk of skin cancer. Iam white but not hardcore white

I know that there are wart remover lliquids that are acidic and are applied over several days; but for moles and what are called sebborheic keratoses, are there any topical treatments?
(the standard treatment is to freeze them off, I know, but most HMOs are pretty stingy in what they will do.)

Hi there! I just recently turned 15 and I thought about removing my mole(s). Of course I’m not going to personally remove them myself, but rather go to a dermatologist or someone who may remove it for me. The moles aren’t one of those raised moles are anything…it’s more like a dark pigment that looks darker than your skin color….but they’re supposedly called "beauty marks". To me on the other hand, they’re an eyesore. They’re right on my face and I don’t like them one bit. What makes it worse is that fact that it’s just out there..a type of "in your face" thing. I’ve been baring it for too long and I think I’m about to go crazy over it. I have this type of conscious where I feel as if everyone is staring at it! So I can’t help the fact but feel bad about myself. I thought maybe if I remove them, I would have a better self-esteem. There are 6 of them which I would like to remove but 2 is the least I would go for. So what should I do? I’ve never gone to a dermatologist and I don’t know whether if insurance would cover for it or not. I heard that if it’s for cosmetic reasons then insurance won’t help. Is it true? So should I be the one having the insurance or my parents? How can I get an appointment with a dermatologist? How much would the visits cost? How much would the removal of the moles cost? (I live in Dallas, TX) Is there any special cost per mole? Where can I find a place? Is there a high percentage of me having a scar after that? What type of mole removing method works best? Of course, not too expensive it’s not like if I can afford and I don’t want to put too much burden on parents. If perhaps a scar is left, I want to get a scar revision. How much would that likely cost? Then if not, which scar removal creams works best after the removal? Last but not the least, how can I convince my parents if they said no? I’m not sure if race has anything to do with this, but my parents are Asian and they’re strict. They mostly oppose everything that I want to get done or do. Anyway, thank you for you help! ^^
Please look at them from my point of view Plus I need your help and advice not for your opposition. If there’s any personal experience please share them with me, they would be quite helpful, thank you!

My doctor says the moles on my neck are really what is called skin tags. Just extra flesh with a little blood in them. My insurance won’t pay to have them removed and she says I can tie a string on them and in a few days they should fall off. I am trying that now but I wonder if anyone eles has done this or is there something eles to do. How can I keep them from growing. I have about 15 little tiny ones now that I don’t won’t to let get as big as this one. Your thoughts

Where on your face? Left side, right side? And what color and how big?