These 10 skincare habits will help you achieve your beauty goals in no time

Korean beauty model

When it comes to skincare, many of us are clueless. Based on hearsay, sometimes we commit skincare regime mistakes and then blame it on bad genes. While skin condition may be hereditary, it also takes effort if you want to achieve flawless skin.

Here are 10 skincare habits that will help you achieve your beauty goals in no time.

#1: Get enough shuteye

A consultant dermatologist, Dr Stephanie Ho, shares that your sleep quality affects your skin’s age. Poor sleep quality may weaken its ability to repair itself from damage such as sunburn. Thus, be sure to get enough rest, ideally a good one at night.

#2: Faithfully apply sunscreen
woman applying sunscreen

Image Credits: Depositphotos

According to Dr Ho, prolonged exposure to sun rays result in the early formation of pigmentation, wrinkles, and dryness. All these can lead to initial signs of ageing. To counter it, be sure to include sunscreens in your skincare routine.

#3: Use the right products

Expensive products don’t always do the trick. Manman Chong, education director for Asia at French skincare company Caudalie, points out that using the wrong products might aggravate existing skin problems and conditions. Seek professional help if you’re unsure.

#4: Remove makeup thoroughly
makeup remover

Image Credits: Business Insider

Not correctly removing makeup might result in your pores clogging over time. Makeup artist Clarence Lee recommends us to choose a good cleansing oil. Save time and money since now you do not need to buy separate makeup removers for the eye, lip, and face.

#5: Clean your makeup tools

Talking about makeup, Lee advocates using clean tools. Even if you do not share them with others, bacteria can still form over time due to a certain level of moistness in our makeup products combined with the skin’s natural sebum.

#6: Leave that pimple alone
asian-man-looking-at-his-acne

Image Credits: theogeeclinic.com

Dr Ho remarked that popping pimples does not solve the underlying problem and may lead to infection and even scarring. If you’re facing acne problems, book an appointment with a dermatologist to receive proper topical treatments or oral medication.

#7: Hydrate sufficiently

If dryness, flakiness, and reduced suppleness of the skin is what you detest, then keep up with proper hydration. Dr Ho recommended about 2.7 litres of water for women and 3.7 litres for men. Alternatively, when you feel thirsty or spot a darker urine colour, it’s a sign to drink up.

#8: Go easy on exfoliation
Exfoliating-scrub-on-hand

Image Credits: Foreo

In short, exfoliation is not for everyone. Especially for people with sensitive and dry skin, overdoing it can cause inflammation and itchiness. It’s also wise to check your current skincare products for substances like retinoids or benzoyl peroxide.

#9: Give products time to work their magic

Chong suggests giving 28 to 56 days (or four to eight weeks) to decide if a particular skincare product is working for you because healthy skin regenerates in 28 days. Also known as ‘cellular turnover’, it plays a crucial role in bringing out your product’s effectiveness (if any).

#10: Avoid hot water for face wash
asian woman washing face

Image Credits: Brit + Co

Using hot water for face wash can irritate and strip the skin of natural oils. The ideal water temperature should not be too high or too low since extreme temperatures affect our vulnerable facial skin. Chong proposes using lukewarm water of about 30 degrees Celcius instead.

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UOB partners Shopee to offer customers greater value as they shop online

Partnership comes as more customers are shifting their buying online; online campaigns such as 11.11 and Black Friday expected to boost online spend

United Overseas Bank (UOB) and Shopee have signed a Memorandum of Understanding (MOU) to offer customers more value when they use UOB’s flagship UOB One Credit or Debit cards to make purchases on Shopee’s online marketplace.

The MOU is timely given the surge in online spending this year. Since the start of the year, spend on retail purchases made online by UOB cardmembers has grown close to 50 per cent year on year. In the second quarter of this year when Singapore underwent a circuit breaker period to contain the COVID-19 pandemic, spend made online surged 69 per cent compared to the same period in 2019.

Even as businesses begin to resume operations from July, online spending continues to increase as customers take to the ease of shopping online. Among UOB cardmembers, Shopee has been their preferred choice, with spend made on Shopee outpacing other popular online marketplaces in 2020. For example, spend at Shopee made by cardmembers of UOB’s flagship cashback credit card, the UOB One Card tripled between 2019 and September 2020.

Given the popularity of Shopee among UOB One Cardmembers, the MOU partners have signed up to offer exclusive deals and cash rebates of up to 10 per cent when customers charge their purchases on Shopee to their UOB One Card. The partnership comes as e-commerce campaigns such as 11.11 and Black Friday are expected to draw in more customers looking for value as they shop online.

In addition to exclusive privileges for UOB One Cardmembers, the MOU partners will also explore the use of data analytics and APIs to personalise the customer experience as they shop online and to offer digital payment options that are relevant to the consumer, such as using reward points to offset their purchases.

This could also lead to initiatives such as the integration of Shopee’s features on UOB’s all-in-one mobile banking app, UOB Mighty or vice versa.

Ms Jacquelyn Tan, Head of Group Personal Financial Services, UOB said, “At UOB, our focus is always on how we can make our customers’ purchasing journey simpler, smarter and safer. We have been expanding the exclusive partnerships for our flagship credit card, the UOB One Card, to serve the lifestyle needs of our consumers. Today, UOB One Cardmembers can enjoy exclusive privileges when they shop at any Dairy Farm Group brands, hail a ride or order food delivery with Grab or pay their utilities bills with SP Group.

With Shopee on board as a long-term partner, we now have the largest partner ecosystem in Singapore to enable our customers to derive greater value as they shop online. We are also excited to embark on our commitment with Shopee to explore and to design innovative processes, solutions and services to drive the adoption and usage of online retail and digital payments.”

Mr. Zhou Junjie, Chief Commercial Officer, Shopee, said, “Shopee’s priority has always been to deliver our users with memorable and unique shopping experiences. We utilise a data-driven and hyper-localised approach to cater to consumer needs, resulting in campaigns, offerings, and partnerships that evolve in tandem with ever-changing user demands. Being a proudly homegrown company ourselves, we thus see great synergy in partnering with UOB, one of the largest local banks in both Singapore and Asia, to explore new ways of deepening user engagement. This timely partnership coincides with one of our largest shopping events – the Shopee 11.11 Big Sale – giving us the opportunity to not only bring users the best shopping experience possible, but to also connect, inform, and inspire consumers all across the region.”

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Beginner’s Guide To Setting Up An Emergency Fund

WHAT IS AN EMERGENCY FUND?

An emergency fund consists of the money you set aside to cover large, unexpected expenses. It serves as your cushion to save you from drowning into debt  and other unfortunate events. It can be used for unforeseen medical expenses, home appliances replacement, automobile repairs, and managing unemployment.

HOW MUCH MUST I SAVE?

When you are starting to build your emergency fund, it is important to value what you have. No matter how small, every dollar counts. Focus on the habit and consistency of saving money. When your financial situation improves, you can increase your savings.

The right amount for you depends on your financial situation, but a good rule thumb is to have enough money to cover your living expenses for six months. If you lose your job during pandemic, you can use your emergency fund for necessities while you hunt for a new job. You can also use the money to supplement your small business. Start small and increase your savings as your financial situation improves.

WHY SHOULD I TRACK MY INCOME AND EXPENSES?

Tracking your income and expenses enable you to get a realistic view of your financial situation. It can pinpoint the amount that is sufficient to cover your living expenses for six months. You can track your cash flow by writing down how much money comes in every month and by writing down your fixed and variable expenses per month.

Do not forget to include recurring expenses such as your rent, utility bills, school fees, and childcare.

WHERE SHALL I PUT MY EMERGENCY FUND?

You can put your emergency fund inside a savings account with a high interest rate and an easy access system. Since an emergency can strike at any time, having quick means to access your funds is crucial. However, you must keep your emergency funds away from your primary bank account. This will help lessen the temptation of dipping into your reserves. Moreover, having a high interest savings account enables you to reap the benefits of compound interest.

HOW CAN I PLAN OUT MY EMERGENCY FUND?

Establishing financial goals and developing a plan to achieve those goals go hand-in-hand. Part of your plan may include specific and realistic targets to work toward. For instance, you may save S$50 per week to put into your emergency fund. Once you have created a robust plan, make sure you follow through.

Sticking to your plan can sometimes be the hardest part of saving for an emergency fund. A good way to stay on track is to save automatically. You may automate your savings and set up a systematic transfer from your primary savings account to your “emergency fund” savings account. Alternatively, you may keep a money jar and label it with: “for emergency use only”.

Sources: 1 & 2

 

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Top 5 Airbnb rentals from S$41/night you can book for your yearend trip to Hong Kong

Airbnb in Hong Kong

Just two weeks back, we read with joy that Singapore and Hong Kong are in talks to establish a travel bubble where travellers can exempt from quarantines or stay-home notices. Fast forward to today (Nov 2); it seems like the authorities will put the then in-principle agreement to action soon. To be exact, we should be able to start flying between Hong Kong and Singapore by late November.

Are you thinking of celebrating Christmas and countdown in Hong Kong? We’ve found five best Airbnb rentals from S$41/night with flexible cancellation policies you can book for your long-awaited yearend trip. Prices reflected are accurate at the time of writing and valid for stays from Dec 25 to Jan 1.

#1: Five-star rated room near Causeway Bay Station

Five-star rated room near Causeway Bay Station

Price: S$41/night

When we last check, this room has a perfect five-star rating thanks to its previous occupants! There is a double bed by the window and a private bathroom with a walk-in shower. We like how it’s conveniently near Causeway Bay Station. You will be able to walk over to SOGO Causeway Bay, Hysan Place, and Times Square within minutes.

#2: Guest suite with bathroom a 10-minute walk to SOGO

Guest suite with bathroom a 10-minute walk to SOGO

Price: S$45/night

The same Airbnb superhost hosts this guest suite as our previous listing. There are one double bed and a private bathroom. By booking this listing, you will find yourself in the vicinity of Causeway Bay and Wan Chai. According to the host, Causeway Bay Station is a 7-minute walk away, and SOGO Causeway Bay is just 10 minutes away.

#3: Clean and tidy studio for the solo traveller

Clean and tidy studio for the solo traveller

Price: S$54/night

Solo travellers, this space is perfect for you. There’s a small writing desk which can act as a mini dining table as well. Decent storage spaces are available for you to store your belongings. The studio also comes with an attached toilet, fridge, and water kettle. The closest train station is Sheung Wan Station, and nearby attractions include the Western Market and Sun Yat Sen Memorial Park.

#4: Spacious apartment for two at Kowloon

Spacious apartment for two at Kowloon

Price: S$68/night

By Hong Kong’s housing standards, this Airbnb is relatively roomy. You will get a queen-size bed and a private bathroom with a shower. There’s also a two-seater couch with a coffee table right in front of it. Jordan Station is a short walk away, and Temple Street Night Market is steps away from the accommodation.

#5: Flat for four guests close to Eaton HK Hotel

Flat for four guests close to Eaton HK Hotel

Price: S$75/night

If you don’t mind squeezing, the Airbnb host allows up to four guests in this living space. There are two double beds and a mini kitchen area with a sink. You will find yourself along Nathan Road if you decide to stay here. Sited between Jordan Station and Yau Ma Tei Station, you can walk your way to Temple Street Night Market and Jade Market.

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5 Luminous Lessons Harry Potter Taught Us About Money

The magical story of a young wizard named Harry Potter has captured the hearts of fans of all ages and with a good reason. In fact, I am wearing my Hufflepuff shirt while I am writing this.

Despite being in a fictional world, the Harry Potter characters’ financial problems cannot be solved with a wave of a wand. They also have to struggle with the challenges of saving, spending, and growing money throughout the series. Here are just some of the personal finance lessons that you can learn form the wizarding world of Harry Potter:

GET THE A DEPENDABLE AUTO-INSURANCE

In the “Harry Potter and the Chamber of Secrets” book, Ron and Harry crashed a car into a tree. It caused an irreparable damage to a car that they do not own. This scenario taught us the importance of having a car insurance.

In Singapore, it is mandatory to have your car insured. Examine your options and look for an auto-insurance that suits your needs and your budget. Some of the plans that you may consider are the FWD, Aviva, and NTUC Income auto-insurance plans. FWD has three auto-insurance plans from Classic to Prestige. Its annual premiums start from S$731.38. Aviva offers three auto-insurance plans too from Lite to Prestige. Its annual premiums start from S$883.12. Lastly, NTUC Income has Drivo Classic and Premium plans. Its annual premiums start from S$$970.35. Annual premiums are usually based on the driver’s profile and the car itself.

SORT OUT YOUR WILL

After living in an uncomfortable cupboard under the stairs for eleven years, the book’s main protagonist Harry Potter found out that he was a wizard and that his parents left him a considerable amount of money. His family’s wealth was beyond what he can imagine! Although his parents died at a very young age, when he was just a baby, it was clear that they a robust financial plan in place. They left all their wealth to Harry. This helped him secure his school supplies and daily needs throughout the years.

Unforeseen events can strike at any moment. It is important to save up for your retirement as soon as possible. Moreover, you must create a will that ensures the list of beneficiaries on all of your savings and investment accounts.

SEE THE POWER OF COMPOUND INTEREST

Harry not only benefits from his parents’ wealth, but also reap the rewards of compound interest. His money was untouched for eleven years. When he opened his vault for the first time at the Gringotts Wizarding Bank, he discovered the amount of gold and money that was in his vault. Despite having this wealth, he did not lead a lavish lifestyle.

Like Harry, you may benefit from compound interest by leaving your money untouched for years in a bank or by investing your money for the long haul.

APPRECIATE WHAT YOU HAVE

As I said above, he did not lead a lavish lifestyle. Harry was humble. In fact, he wore the same glasses for seven years. He appreciates what he has and exemplifies this trait the most in the first book. When Hagrid gifts him Hedwig the owl, he was amazed and accepted it wholeheartedly. He was also very grateful when he was gifted the Nimbus 2000 by Professor McGonagall.

In our world, it is easy to be caught by all the sale items and designer brands. However, you must remember to strike a balance between your needs and wants. Appreciate what you have and live within a realistic budget that you set.

SECURE YOUR MONEY IN A SAFE PLACE

Harry’s immense fortune was stored in the Gringotts Wizarding Bank, located in the heart of London. The bank is operated and guarded by goblins. These goblins serve as the gatekeepers to the underground vaults. It is often described as the safest place in the Wizarding World.

Image Credits: unsplash.com

While you cannot keep your wealth within the protection of magical spells and goblins, you can secure your money in other ways. Firstly, you may set up an auto-deposit scheme to send a portion of each paycheck to your savings account. Secondly, you may store your emergency fund in a place where you will not be tempted to spend it frivolously. For instance, you may set up a different account exclusively for that. Lastly, secure your online banking apps through Two-Factor Authentication.

Sources: 1, 2, & 3

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