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Showing posts with the label Retirement

How is retirement 'really' like at 40s

  In 2019, my position in the company was made redundant and I have to leave. I was 45 years old at that time. My mindset isn't ready to be out of work so suddenly because everything is not according to my plan. Being out of work at the age of 45 years old isn't that good in Malaysia, especially when you have been holding a middle management position all the time. Employment opportunities are way too limited and you have to compete with the young ones too! My sadness was not for long. I was hired after 6 months. But I survived only less than 2 months at the new place. The accident happened while walking back to my car during one of my usual work days. I end up with bad back pain to the point can't even sit down for more than 10 minutes. I tried to apply to work from home but my position requires me to be in the office. After long deliberation, I decided to resign and focus on my health recovery. Just to be fair to the company as well. After a month resign from my work, I ma...
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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...
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Cosmoderm Tea Tree Oil and Vitamin E Product Review

  I was so excited to get an opportunity to review the Malaysia famous skincare brand Cosmoderm, this week. So in love with their Vitamin E Bi-Phased Tonning Essence. If you are a big fan of Cosmoderm skincare, you will know that they have few dedicated series for specific skin conditions. One of their famous skincare series is the Tea Tree Oil.  Last week, I got my hands on the new improved look CosmodermTea Tree Oil and Vitamin E series. * Tea Tree Oil Facial Cleanser * Tea Tree Oil Refining Oil Control Serum * Vitamin E Facial Cleansing Foam * Vitamin E Bi-Phased Toning Essence Cosmoderm Tea Tree Oil skincare series is suitable for oily and acne-prone skin. To be honest, I in love with their new subtle colour packaging. It looks more classy compare to the previous packaging. The Cosmoderm Tea Tree Oil series a proven natural antibacterial with soothing properties to reduce acne and acne spot. The most important,  price for each of their skincare is affordable for anyon...
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Honest Review: Sunplay Skin Aqua Hyaluronic Acid Serum UV

  When I first picked up the Sunplay Skin Aqua Hyaluronic Acid Serum UV , the sleek blue bottle already gave me that “hydrating luxury” vibe. Unlike the usual heavy sunscreens or sticky sunblocks, this one feels more like a skincare serum than a typical sunscreen. That’s the first big difference ! It’s marketed as a serum UV , not just a sunblock. Texture & Application The texture is lightweight, almost watery-gel like, and it spreads effortlessly across the skin. No greasy residue, no sticky film, and most importantly.....  no white cast . This is a huge win for those of us who hate looking like a ghost after applying sunscreen. It absorbs quickly, leaving the skin feeling supple and hydrated, almost like you’ve just applied a hydrating essence. This is where it stands out! It doesn’t just sit on top of your skin to block UV rays, it actually locks in hydration thanks to the 3 types of Hyaluronic Acid (HA, Absorbent HA, Nano HA). Think of it as a sunscreen that doubles ...
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Cosmoderm Luminous A Retinol Review

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...
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