Undecided Question

Can you recommend a great face moisturizer?

I'm 23 and I want to start taking care of my skin. There are too many products to choose from.
What should I look for?
SPF, UV protections?
Anti aging?
Day cream vs Night cream? should I have both? or one general cream? does it matter?
Price differences, does it matter?

I have minimal dry skin, medium pores, fair skinned.