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...
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...