Retirement Plans.

Last week, my evil boss email me an excel to compute how much $ i need for retirement.
This is base on plans of how much $$ i wanna receive every month as of today dollar, considering an inflation of 2.3%.

Crappy Enough, to retire at age 60 and die at 90, receiving $5,000 of today's dollar each month, i need $5,528,578 by the time i retire.
Abit different from the CPF Website guide. =P

CPF Retirement Estimator

CPF Retirement Calculator

CPF Retirement Interactive Calculator

I have been playing with the 1st 2 since i started working and the last one recently.
In case of a low return on investment, i tend to keep that on the lower % and an inflation of at least 2.5%

Seems like the number did not stay too far away from SGD$5m either.

I have a retirement portfolio that i have for quite a while but it was not in good numbers due to the $$ spend on the house & wedding. Especially if you consider that we did not get any money-help from our parents, and all we receive are gifts to our new house (like fridge, TV etc).

Finally now everything is stable and i shall work harder to build up this Portfolio! =D

Only my dear friends who asked will know how i do up my Portfolio. =)

1st Post of the Year

I wanted to write something. But i have no idea what to write.

Some time in end december i wrote a resolution post but never posted it.
Now when i think of posting it, i realise i can even review my resolution in blue

2013 Resolution

Health
* Drink at least 1 liter of water a day
* Lose Weight
* Exercise at least once a week
Water bad, never exercise either. =( 
* To take part in a run or walk
No plans so far. =( 
* Eat more home-cooked food
Cooked only when hubby at home =|
* Eat Bird Nest for nourish weak lungs
Got eat but not dilligently =|
* Sleep at least 7hrs a day (Target: 12midnight to 7am)
Starting to sleep around 12:30am and wake up abt 7:30am. However a couple of night sleep at 02:00am instead =|

Study 
* Continue with my Japanese Lesson
* Take JLPTN4 at the end of the year
* Do Homework regularly
Still taking lesson but never do HW regularly. Feel like giving up =(

Life 
* At least travel one short overseas trip
Planned my HK Trip =D
* Meet up friends, avoid skipping any gatherings
Meet up with JVCD for dinner, Kanojo for sunday brunch, Shuhan for dinner, mayu for a chit-chat session, mayu & chun for a KTV session, xy house for house-warming  =D
* Complete at least 16 Japanese Drama (4 per season)
Haven start any dramas =( 

Work
* Reach Office before 9am
Have been reaching office around 9:00am - 9:10am
* Leave Office before 6:30pm
Leave office around 6:20pm - 6:45pm.
* OT as little as possible
* increase work efficiency
 Little OT, almost none =)

Taking Care of Hubby 
* Make him drink Chix Essence/DOM once a week
Finished the Chix Essence that i bought =)
Going to start DOM soon =|
* Make him eat Bird Nest at least once a month
Force feed some Bird Nest this month =)
* Make him eat supplements
Started to eat supplements =) DHA, Calcium, Vit B & C

Family
* Go back my parent place at least twice a month
19th & 26th =)
* Go back my in-law place at least once a month
26th =)
* Meet up once with my siblings only for OUR gathering
TBC

Money
* save more money (retirement, big buys, good meals)
Start taking bus to work. Premium Bus, cheaper than cab =D
* To double up the amount of savings that i have. =D
Haven had clear idea of how to make more $$ =(
* More investment
Thinking of buying more shares =|

Beauty
* No purchase of any make up up till June
* No purchase of face mask till the stock is finished
* Convert to one brand skincare except Sunblock
No new skincare & makeup bought in this month. =D

Skincare: What am i currently using~~

Day Time : Protection - Prevention is better than Cure

1) Wash with water! I do not suggest using cleanser unless you use some overnight sleeping mask which have residue that needs a cleanser to wash.
Product used: NEWater

2) Tone with a whitening toner. I'm switching back to L'oreal coz i cannot find a whitening product better than this. Any recommendation?
Product used: L'oreal White Perfect Toner

3) Aging starts from eyes, anti-aging eye cream is important
Product used: Estee Lauder Night Repair Eye Cream - usable for day and night

4) I get totally hooked on Pre-essence. I'm currently using my 3rd bottle~
Product used: L'oreal Youth Code Pre-Essence (as good as Lancome Genifique)

5) Whitening Essence is one good way to help me be fair & fight the sun!
Product used: L'oreal White Perfect Laser Essence

7) Hydrating Essence to protect my skin in air-con room
Product used: Laneige Water Bank Essence

8) In general i use a whitening moisturizer, but i may use a hydrating moisturizer, if i feel very "Dry"
Product used: L'oreal White Perfect Laser Whitening Cream OR Laneige Water Bank Moisture Cream

9) Love my new sunblock! It has a nice water smell and it is water-based, yet waterproof~ ^^
Product used: Shiseido Perfect UV Protector SPF 50+/ PA+++

My makeup comes after the sunblock~

Night Time : Clean & Repair

1) Lazy me love one-bottle-do-all
Product used: Fancl Mild Cleaning Oil

2) Basic Cleanser vs extreme cleansing
Product used: Biore Mashmellow Foam VS Laneige Multi-Cleanser

3) Hydrating the skin w toner before the start of repair
Product used: L'oreal Revitalift Toner vs Laneige Power Essential Skin Refiner Moisture

3) Eye Protection. Hyrdating before i sleep my air-con room
Product used: Laneige Water Bank Eye Gel Cream

4) I just love this so much that i have to use it again..
Product used: L'oreal Youth Code Pre-Essence (as good as Lancome Genifique)

5) Anti-aging must starts once after 25yo!
Product used: L'oreal Revitalift Anti-Aging Serum

6) Total hydration for a dry skin like mine~
Product used Laneige Water Bank Essence

8) Lock in the hydration!
Product used: Laneige Water Bank Moisture Cream

9) Sleeping mask for my last step~
Product used: Laneige Sleep Pack EX OR The Face Shop Raspberry Sleeping Mask

Recently i review my steps and change a bit. Due to some readings, i stopped using SK-II unless i'm using it nia. I pat it by itself but i kinda dislike the smell. =( I doubt i will buy again after i finish this bottle. But maybe i will switch to SK-II after 30yo.

Have been thinking if i wanna use full Laneige Products. Thought it is not too expensive, it is also not as cheap as the drugstore products. I was wondering why not spent lesser if they are just as good?

I'm now busy with X'mas so i'm not reading any skincare stuff, so let me know if you have awesome recommendation.

I may.. ended up switching to Laneige for my 27yo - 29yo skincare, shall i?

Things that i should avoid buying

... for at least till end this year or even next year..

This morning while dressing for work, i was thinking "how many new/unopened eye-shadow palette do i have?"

I grasped. 2 Lavshua, 2 Integrate, 1 from sephora, 1 Urban Decay and 2 Anna Sui
It was in the 2nd drawer so i open the 1st drawer and see.. Clinque eye-shadow only used twice. Haiz...

There are alot more that i cannot buy...

I'm using SK-II eye-cream, finally it is finishing.. But i still have 2 more eye-cream in queue. Estee Lauder & Laneige. I bet they can last me till nx June coz i have been using the SK-II since before wedding and it last me abt 4-6mths. To think that it is a small bottle and laneige is big.. OK, i guess i have enough eye-cream till Dec2013.

Bags... I love bags... and i have quite some and i'm saving for the next Designer Bag (maybe Celine).. so maybe i should stop buying 1st.. (Urgh..i just saw the green one at new look that i really like)

Shoes... after coming back from honeymoon, i bought approximately 8 pairs of shoes. One down (meaning like in bad condition), and most not even wore once. Yes.. i better stop buy HEELS in specific.

Foundation/BB Cream.. I have SK-II, L'oreal x 2 type, Maybelline x 2.... Enough till Dec2013 too

Hair Treatment... 2 big tubs + 1 tube + 10 one time use tube + 10 hair end treatment.... Enough till end this year i believe

Cleanser... at least 3 new bottles =(

Body Bath. Yes, i have erm.. too many bottles to count

Body Butter/Body Lotion/Hand Cream... COUNTLESS TOO

Mascara.. 1 lavshua, 1 Maybelline, 1 L'oreal, 3-4 Majolica, 1 Estee Lauder unopened

Eyeliner.. more than 5 and less than 10 from Majolica

CRAZY.... stock i have..

How do u spent your bonus?

I reward myself when i get a bonus. After working hard for a year, it will be good say tell yourself thanks.

I started work in year 2008.

2008 bonus was pro-rated. I did not get anything for myself.
2009, Boss Fou was in france, I got him to buy me a LV card holder. I was really poor, but wanted something.
2010, I wanted a bag, but again was poor due to saving for house & wedding, i got myself a longchamp.
2011, I save up the bonus coz the following year i'm gg to europe. I bought myself a prada wallet & key-pouch
2012, I bought myself a miu miu bag with the bonus.

what's in for me in 2013? I'm looking at mont blanc now. =D

Genifique vs Youth Code.

I have this weird habit of looking at the Skin Care product by family. Example, Lancome & L'oreal Paris are all under L'oreal. So with the want to try out lancome Genifique, i went around searching for a replacement in the L'oreal family and yes, i found it under L'oreal Paris. =)

In case some of you dunno, Lancome Genifique which is suppose to re-activate the youth genes in your skin. I google online and found that the ingredients are generally similar.

The colors helps to match the similarities. =)

Genifique Ingredients:
Aqua/Water, Bifida Ferment Lysate, Glycerin, Alcohol Denat., Dimenthicone, Hydroxyethylpiperazine Ethane Sulfonic Acid, Sodium Hyaluronate, Phenoxyethanol, Adenosine, PEG-20 Methyl  Glucose Sesquistearate, PEG-60 Hydrogenated Castor Oil, Salicyloyl Phytosphingosine, Ammonium Polyacryldimethyltauramide/Ammonium Polyacryldimethyltaurate, Limonene, Xanthan Gum, Caprylylglycol, Disodium EDTA, Octyldodecanol, Citric Acid, Citronellol, Parfum, Sodium Benzoate.

Youth Code Ingredients:
Aqua/Water, Bifida Ferment Lysate, Glycerin, Alcohol Denat., Dimenthicone, Hydroxyethylpiperazine Ethane Sulfonic Acid, Peg-20 Methyl Glucose Sesquisterate, Sodium Hyaluronate, Salicyloyl Phytosphingosine, Palmitoyl Oligopeptide, Palmitoyl Tetrapeptide-7, Adenosine, Ammonium. Polyacryldimethyltauramide, Disodium EDTA, Caprylyl Glycol, Citric Acid, Xanthan Gum, N-Hydroxysuccinimide, Chrysin, Octyldodecanol, Sodium Benzoate, Phenoxyethanol, Limonene, and Parfum.

Considering Genifique cost 3 time of Youth Code, i choose to test out Youth Code instead. And it just prove to be so awesome! =)

Use Youth Code before your serum/essence and see the effect yourself =)