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How To Calculate Retirement Goal

  I celebrated my 48th birthday last week. An old friend visited for quick lunch. He said, I was living his dreams life. To be honest, I never planned to retire from work this early. My initial target is to retire at common age, 55 years old. Due to health reasons, I end up not working. Anyway, I was always prepared for my retirement days ever since I was in my early 30s. This means it took less than 20 years to save my hard earn money to ensure self-sufficient retirement days. I wish to start early, though!  How to plan for Sustainable Income during retirement days? For those who have some inheritance somewhere under your name, you are so blessed in life. But many of us have to start from 'zero', and lots of sacrifices. The average life expectancy is 75 years old. Since I adopted prudent life habits, so I usually calculated until 85 years old. Anyway, we never know when will be the time for us to drop dead, right? If you are to retire at the age of 55 years old, then you need...

Upgraded Hada Labo Hydrating Lotion

    Hydration is most important and essential in maintaining healthy skin. A hydrated complexion looks more plump, healthy, and youthful looking. Having an adequately hydrated face will help to improve skin elasticity which will reduce the appearance of wrinkles. Additionally, hydrated skin also helps to combat oiliness. Dehydrated skin produces more oil because it is compensating for a lack of moisture. Dehydrated skin is also less resilient to environmental irritants. When your skin is fully hydrated, it is able to fight and flush out toxins more effectively because your cells are getting the maximum amount of hydration that they need to function at their best.   The best ingredient for hydration is Hyaluronic acid (HA), as it is natural, has a high viscosity, and is water-retaining. It retains water just like a sponge, to achieve the efficient water-locking effect. It is often used as a base for skin care.   Since the launch of Hada Labo in Japan in 200...

Hada Labo’s Blemish & Oil Control Gel – A Remedy For Acne-Prone Skin

  Natural Plant Extracts and Hyaluronic Acids Moisturises and Calms Irritated Skin Humidity and hot weather can stimulate the secretion of sebum, resulting in oily skin. Oily skin is believed to be one of the main causes of acne. Wearing a face mask for long hours, which is a new norm now also contributes to skin irritation and can aggravate acne and pimple skin. There is a misconception that using a moisturiser on oily or acne skin would worsen the skin condition but moisturising works in keeping pimples and zits at bay. Skipping this critical step may cause dry, flaky skin which will bring about more breakouts. That’s why it is important that oily or acne skin gets properly hydrated with the right moisturiser. To offer consumers with oily or acne-prone skin an enhanced solution to their skin concerns, Hada Labo has introduced the Blemish & Oil Control Gel, an all-new moisturiser to keep skin smooth, clear, and healthy. Among highlights of the Hada Labo Blemish & Oil Contr...

Where To Play Free Online Games for Brain Exercise

  Old age is unfair for some of us. Speaking from experience, in my late 40s coming to my 50s next year I already fighting my way for mobility due to severe back pain. The only thing I have to protect now is to care for my brain. I just hope my mind doesn't diminish over time before my time is up! Those days, I could say online writing will be my best way to stay alert and but now I have to surrender to that. I am only able to write occasionally due to my disability to sit down on a chair for more than 15 minutes. Realistically, I started to play games for brain training. My preference would be board games . Board games in general very popular among senior citizens because it is fun to play, and engaging since we have a sense of achievement once the game is completed. At the same time, increase brain function, assist in practising cognitive skills and also facilitates a bonding experience if you play with a friend or partner. I would say good for a kid's brain development too. ...

Hyperpigmentation Treatment At Home

  Hyperpigmentation is always one of my top concerns in life. I have a big patch on my right cheek which eventually converted to melasma. Gosh! seriously have a problem covering it up with concealer every time stepping out home. This is why you need to prevent the pigmentation and hyperpigmentation before it's too late. Recently, found local skincare start-up  encoriumⓇ which enhances Vitamin C with Tocotrienols to overcome these concerns among Malaysian. I am not well versed with chemical terms for skin care. I was told tocotrienols, vitamin E derived from red palm from our backyard are more potent than conventional vitamin E, tocopherols are enhancing commonly used ingredients to treat hyperpigmentation- L-ascorbic acid (Vitamin C). encoriumⓇ  launched its first product CE3 Brightening Buffet recently. The elegantly formulated serum made with multi-active ingredients contains 18% L-ascorbic acid (Vitamin C), tocotrienols,  tocopherols and ferulic acid. The brand's ...

Hada Labo Platinum Kotojyun Mask Review

  Recently, Hada Labo introduces its all-new Platinum Kotojyun Mask. Get my hands on a revolutionary sheet mask to try on. Synonym with its name the sheet mask contains a high penetrating serum mask and is infused with premium platinum nanoparticles. The nanoparticles act as an anti-oxidant ingredient to protect the skin from environmental damage and also improve skin tone radiance. I have applied it to my skin and each mask is extremely breathable and comfortable as it is made of  Bemliese®, a sustainable non-woven fabric that is made from cotton linter which can absorb and hold the skincare ingredients efficiently. For your information, although the sheet mask contains 23ml of serum, it is able to offer benefits that are equivalent to two bottles of serum thanks to the nanoparticles technology and  Bemliese® the non-woven fabric that allows deep penetration of the serum into the skin. The high penetrating serum contains highly effective hydrating ingredients, which incl...

Why So Many Retirees Move to Florida

  Last week, my Dad was telling me about his last sister who is now happily retiring at Florida with her husband and two grown children. They originally resided in New York for many years. Then they move to Florida due to the weather is the best suited for old age people and part of the retirement plan. Being a retiree myself, I could relate to the needs of one looking for a retirement place. Retirement is a time to relax and enjoy all that life has to offer without worrying about trudging through a 9 to 5. When you retire you want to find a location that will make the most of your retirement fund while stretching its dollars, has access to fantastic healthcare, and provides a community of like-minded people and amenities that lend themselves to a fulfilling way of living. What better place to settle than the Sunshine State? Whether you're looking at Fort Lauderdale house for sale or a condo in Tampa, Florida makes for a wonderful retirement setting. You won't be left wanting f...

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