Woof! Woof! Year 2018 is the year of dog. Dog is known as man's best friend due to its loyalty, warm, intelligent and energetic character. So...What is the significance for the property owners in the year of dog? Questions for all of us... Is this the year for property investor to invest on more properties? What other essential to add into your house in the year of dog? Now..Let's see what's there to take note for the year of dog. Purchasing property In year 2017, the property industry was in the bear market situation with it's oversupply in the market. Although Singapore government has ease the cooling measures for property market by adjusting the Seller's Stamp Duty (SSD) and TDSR. The SSD'S holding period has been shortened and the rates lowered due to the declination of properties' speculation. The mortgage equity withdrawal loans with loan-to-value ratios of 50 per cent or lesser has been excluded from the TSDR framewo...
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 ...