Parenting is not just about teaching kids to behave and be good boys and girls. Being ambitious and having good dreams for a better future is important but a good sense of managing money or finances is equally important. When it's time for them to make financial decisions for example savings, investment, and even dealings with basic daily life transactions, a good basic foundation and knowledge are essential. Believe it or not, there are sayings that only those who can do well in life can do well with money. There are a few ways to teach kids about money and how to take financial decisions : 1. Lead by example - Start getting your kids involved in grocery shopping and explain the comparison of goods prices and show them how to purchase the right one. 2. Earn the allowance - Educate your kids to earn the keeps. They will appreciate every penny they earned through chores or tasks given. 3. Savings Habit - Gift them a piggy bank or jar to teach them saving habits. This is to e...
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...