I have problems to claim for my NCD refund after I bought my new car. I had waited for almost a month and no clear answer given. They failed to even let me know what is the status on my claim and even don't even know who is the person in charge.Argh! Rina is really really angry. I can be one very patient and tolerance person but yet I can change my hat pretty fast to be the mean one! My blood rose to the top today! Mess with me? Let me use my 'power puff girl' power today!!!! Not because just the money but talking about right and wasting my freaking time to write and fax and fax and call and call. I wrote very 'nice' letter comparing the insurer to their competitor and told them how their competitor are now moving ahead without looking back in term of 'mint customer service'. I even quoted , if I were given a chance to speak to their CEO and this is the list of thing that I need him to improve. I even have guts to write about them not to come our with any ne...
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...