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...
In general, most people are advised to start using retinol in their mid-20s. Why do we need retinol for our skin? Well, this is because collagen and elastin production starts to slow down. Adding retinol into our skincare routine at age of 25 to 30 is the perfect time to slow down the ageing process. So, what is retinol that people are hyping about? In short, retinol is a topical product containing a vitamin A derivative. Technically speaking a type of retinoid which works to increase collagen production. It helps to treat acne, and blackheads and is also ideal to improve skincare texture such as minimising fine lines, and wrinkles and brightening dull skin. Personally, I am a beginner in adding Retinol into my skincare routine. At the age of 47 years old. I guess, am afraid to start one because I read many side effects if use it wrong. What is the side effect if you use retinol wrong? Retinols can increase your skin's sensitivity to sunlight. So, it is advisable to apply th...