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...
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...