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化妝品過期了還能用嗎?99%的女生都不知道!

Tuesday, March 21, 2017
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化妝品過期了還能用嗎?99%的女生都不知道!

 2016-09-12 18:06:25
別以為你的化妝品用久了就不扔,繼續省錢,其實,真的是個錯誤。往往化妝品都有使用期限,需要不定期清理一下,要是發現過期了,趕緊扔扔掉,不然傷的可就是你的臉啊!~
「安利時間:然而,你們知道嗎?我們用的產品上的保質期都是指未開封存放的保質期,開封后的護膚品基本都沒有那麼長的保質期了。(頻繁的取出,放回,也減短了化妝品的使用時間。)
那我們就來看看各種化妝品的開封保質期是多少?
粉底液:6-12個月
如果質地變得濃稠、油乳分離、變色或產生異味,那就一定要換新的了,不然對皮膚的傷害可大了。
基礎隔離:6個月-2年
放在盒子裡的基礎隔離可以存放6個月左右,而有按壓泵的就可以保存2年之久,當它到期的時候,你要嘗試一下其他的品牌。長期使用一種基礎隔離,你的皮膚就會習慣它的配方,從而產生抗體,所以經常更換,會讓你的皮膚獲得更好的保護。
口紅、唇膏:1年
顏色、質地和氣味的改變是口紅變質的警示標誌,如果你的看起來還和往常一樣,那麼你需要做的只是把它擦拭乾凈就好。但是超過這個時間的話七七還是建議不要用了,畢竟是自己的臉。
眼線筆:10個月-1年
液體眼線筆只能持續十個月到一年,而木質的眼線具有1-2年的保質期,木質的眼線筆可以不斷地削它,因此不會像眼線液那麼容易滋生細菌。
睫毛膏:3-6個月
還在用閒置了很久的睫毛膏?不要犯這種低級錯誤,我們不停的抽插我們的睫毛刷,讓空氣進入膏筒的同時,也讓許多細菌趁虛而入。所以睫毛膏的保質期也是比較短的。
腮紅,眼影等粉狀化妝品:12個月-18個月
粉狀化妝品的持續時間會超過液體的化妝品,但你也要定期的進行檢查,如果它的狀態,顏色和味道任何一項發生了變化,趕緊扔掉它!
RMK的粉底液被譽為粉底冠軍這款的質地非常薄,帶防曬指數 SPF14 PA++,RMK就是以裸妝出名的,所以他們家這款粉底液其實是各大雜誌推薦款。遮蓋力弱,是水油分離的質地,使用前必須搖勻,否則會出現倒出來都是水的感覺。比較適合皮膚狀況比較好的妹紙,或者油性肌膚使用,夏天用沒有負擔感,不會堵塞毛孔。
SUQQU 記憶塑性粉底霜
suqqu是日本的貴婦品牌哦,非常的低調,但是彩妝卻總是受到大家的關注,特別是這款粉霜是他們家的明星產品,不需使用隔離霜的記憶塑性粉底霜,含有高保濕成分,可以滋潤肌膚,使粉底霜於肌膚完美密著,並遮瑕毛孔以及膚色不均,使得皮膚達到終日滋潤,並帶有艷麗光澤的完美複製。遮瑕效果略微差了點,但是持久度和自然度確實很突出。均勻膚色的效果非常好。
眾多美容達人和美容編輯的必備!護膚保養型粉底,質地清新,即刻隱匿毛孔和細紋的。完美貼合肌膚,毫無負擔感。建議選比自己膚色深一個色號,這樣臉看上去馬上小一圈。不僅如此,塗抹後的好氣色和絲滑薄透的手感宛如奶油一般,溫柔至極,從早到晚持妝一天也不會變暗沉,是一款約會必備的神器哦。
隔離
sofina控油隔離
控油效果真的是很棒,而且很水潤,保濕效果很好,提亮膚色也是做得很棒的,妝前先輕輕抹上一層,即使過了午休,也不易滿面油光,造成脫妝浮粉,就連令人在意的T字部位,都不再感到黏黏悶悶的油感!可以當做妝前打底使用,底子好的單擦再撲一層散粉效果也很贊哦~
植村秀泡沫隔離

這款植村秀泡沫隔離是植村秀家的明星產品了,不油膩,很清透,膚底子好的同學塗上泡隔薄薄掃一層蜜粉就能出門,有SPF30的防曬指數,使用起來更加方便,適合油皮膚的同學們哦。泡沫妝的質地只需一點點就夠,還有調整皮膚顏色的功能,皮膚上的瑕疵,紅點以及淡斑都立即消失,讓你一整天的皮膚都呈現白裡透紅的效果。
PAUL&JOE 搪瓷隔離霜
為混合偏油或油性皮膚設計,特別著重油性皮膚的妝容清爽和持妝長久, 同時也加入不錯的保濕成分,儘量達到水油平衡,薈萃微細的立方體粉末,高效反射光線,令肌膚表面變得平滑,毛孔顯得細緻,肌膚紋理、痘疤和所有的粗糙自動消失,綻放出素肌般的自然光亮,創造出有生氣的美麗肌膚。
kiss me眼線液筆
相比較市面上大多數眼線液筆,Kiss me這款眼線液筆具有筆觸軟硬適中、筆尖極細、好操控、快干防暈的特點,在日本它本來就是主打的眼線筆,不僅防水,還非常的細,可以重疊的畫哦,特別適合手殘黨、新手用,作為日常妝容的常備款,能讓你在畫眼妝上節約不少時間。
LB 奶油防水眼線筆
日本名模藤井LENA親自監督並代言的平價時尚彩妝品牌LB,獲得Cosme首位絕非浪得虛名!筆芯很軟很上色,不僅可以當眼線筆還可以當眼影,在未乾透時輕輕塗抹便可以暈染,輕鬆打造煙燻妝!裡面還添加了玫瑰果籽油,筆芯特別軟糯,畫起來也非常柔順。而且它防水力度很足,做好眼部打底,半天基本沒問題!
Little Witch Mote Liner 眼線液筆


這款眼線筆在日本是非常有人氣,號稱日本最好用但是卻是最低調的一款眼線筆,不會暈染,耐水性非常的好哦,筆頭是超軟極細的完美筆尖,畫內眼線也適合,只要順著眼型輕輕滑動筆尖,就能打造完美大眼,一般的溫水就可以卸。
資生堂戀愛魔鏡性睫毛膏
非常人氣的一款睫毛膏哦,刷頭沒有普通睫毛膏拉出來以後那種濕噠噠黏糊糊的感覺,很清晰,不會蒼蠅腿,纖長濃密的效果就不說了,大家都知道出名的好,最令人感動的是卷翹的效果維持的好好啊,一整天都很翹!
Dolly Wink纖長濃密卷翹睫毛膏
非常可愛的一款睫毛膏,軟蠟配方,搭配螺旋式刷頭,輕盈地一層一層的包裹睫毛,讓睫毛變得更濃密,並絕無厚重感;極細的刷頭前端設計,可以照顧好睫毛的每一個細節,加強睫毛支撐力,長時間維持睫毛挺翹~益若翼出品,信得過~
VISEE 新蕾絲四色眼影
粉質上可以媲美 200左右的盤子,這已經是很值了。粉質不算太軟糯但是上手畫也不會飛滿眼,配上眼部打底膏可以完美保持一天。粉質軟糯,半濕粉,取粉的時候都要擔心下會不會一戳一個坑每個盤子都各有特色,上眼都無比美貌,保留日系的細膩潤閃,擦上立馬提神了,建議全all!
KATE骨幹重塑 3+1眼影盤

性價比極高。不論顏色組合,珠光或啞光粉質都很好,細膩且不飛粉。特別添加啞光陰影粉,可用作鼻影,非常顯色。
腮紅
拉杜麗花瓣腮紅
Laduree用色張揚但色彩呈現效果自然有氣質, 玫瑰花瓣腮紅是本品牌代表作,每一片花瓣都是特級工匠手工製作,添加了護膚美容液,保濕肌膚。淡淡玫瑰幽香把花瓣,花色鮮艷持久,獨創技術,如新鮮採摘的玫瑰,輕輕灑在特製有機磨砂玻璃容器里,高雅氣質立現。
CANMAKE五色花瓣雕刻腮紅
它是平價腮紅中的戰鬥機,雖然外盒是塑料質感,但是裡面實物確超乎想像的好,雖然已經是被PO爛的腮紅,但確實是比較值得入手的一款腮紅,一個個都長得很美艷粉質也十分細膩,顏色上臉是淡淡自然的效果~(內附小刷子
王菲同款,顏色很顯氣質,好上色,雖然是半啞光但是一點也不干,上嘴感覺很輕柔很爽,不用潤唇膏都能有較好的潤澤度,顯色持久也不粘杯加上這氣質的外殼,絕了!除了價格貴之外沒缺點!(推薦色號311
#311號稱最正的大紅色,塗上之後簡直美到爆!
資生堂心機彩妝星魅唇膏
資生堂 心機 MAQuillAGE 高保濕潤彩唇膏,質地真的很水潤!非常適合容易嘴唇乾燥起皮,以及唇紋深的妹子,個人覺得這是潤唇+潤色二合一了。因為它的「美容精油」,所以能很好的兼容「光澤」、「滋潤」、「卓效顯色」、「持久性(不易粘杯)」等女性對口紅關注的焦點,特別是「光澤、滋潤」和」持久」。
植村秀 無色限柔霧唇膏
這款是高俊熙代言的哦,柔霧的質地,上嘴特別美,而且很霧的感覺,這是別的口紅沒有的特點,而且保濕度也是很棒的哦。
YSL迷魅唇膏
YSL是每一個妹子都應該擁有的一款口紅,非常贊的唇膏,上色度,飽和度相當出色,七七超級愛它家的12號,相信很多妹子都在糾結是買圓管的12號和唇釉的12號,熱門的色號還有6,13,14,46,但是其實46號和12號顏色是相差不大的,就是一個顏色淺一個顏色深。
——我是完美分割線——

所以買的時候還是需要冷靜,確認自己是真的需要才買,不要買回去放著浪費了,雖然給你們種草,但是不是說要你們放開錢包的買買買,而是要合適的選擇適合自己的,千萬不要浪費了.....(覺得還不錯的點讚哦,你們的點讚就是我的動力~麼麼噠)
精品路線 / 景點攻略 / 民宿 / 美食 / 購物 / 換乘 / 包車 / 簽證 / WIFI
你造嗎?點擊菜單「我要定製」寫下你的旅行意向,
聽說一大波帥哥線路定製師會主動加你微信喔!

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Praying Hard

Friday, July 15, 2016
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不貪心 只祈求 😻😻😻💬💭little Wishes
 Health  is the Most important  ↝
健康就是最大財富
 freedoms lifestyle jobs ✌✌✌  💤💤 💤 睡到自然醒
 
❝💗💖💓stable happy relationship❞💞💞 💞💕💕
  幸福快樂~的 生活 👫💑💏 👥

All
 Families  happy   everyday
家人~和睦相處


沒有災難~ No disaster
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25岁以上必定食物

Wednesday, December 18, 2013
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女人25岁后想年轻这么做(3)

发表时间:2013-09-05 10:10来源:三九养生堂未病预防责编:张俏

  抗衰老食物

  抗氧化能力最强的食物就是番茄,这是因为番茄中含有丰富的茄红素。茄红素的抗氧化能力是维他命C的20倍,可以说是抗氧化的超强“战斗机”。而茄红素是令番茄红得鲜艳的物质,所以挑愈红的番茄吃,便能吸收愈多的茄红素。那么,番茄应怎样食用才能对抗氧化更有效呢?那便是熟吃。虽然经烹调或加工过的番茄 (番茄酱、番茄汁、罐装番茄)所含的维他命C会遭到破坏,但是茄红素的含量可增加数倍,抗氧化功能也更超强。>>>一日三枣终身不老 不同吃法功效各异

 

  西兰花中的营养成分,不仅含量高,而且十分全面,主要包括蛋白质、碳水化合物、脂肪、矿物质、维生素C和胡萝卜素等。据分析,每100克新鲜西兰花的花球中,含蛋白质3.5克—4.5克,是菜花的3倍、番茄的4倍。此外,西兰花中矿物质成分比其他蔬菜更全面,钙、磷、铁、钾、锌、锰等含量都很丰富,比同属于十字花科的白菜花高出很多。

  除了含有丰富的维他命A、C之外,还含有一种特有的抗氧化物质,它几乎集所有抗氧化物于一身。因此,它的抗氧化性能比其他食物更优良,而且还是抗癌明星。十字花科的蔬菜已被科学研究证实是最好的抗衰老和抗癌食物。对女性而言,它还有保护皮肤的美容功效。你可千万别错过这类捍卫你青春的蔬菜。

  

  新的研究已经表明,红色、紫色以及蓝色的水果,包括蓝莓、黑莓以及黑色的葡萄将是21世纪的抗衰老食物。这些食物当中富含花色素,其抗氧化能力非常强。

  花色素已经被证明可以防止胶原蛋白分解,这种蛋白主要集中在肌肤、关节以及血管中,负责为大脑输送养分,并保持肌肤的弹性,一旦这种蛋白分解人体就会渐渐衰老,因此在抗氧化能力上,花色素要比维生素E还强50多倍。>>>不变老皮肤好 14招让你永远20岁

  英国的一些专家建议:花色素是一种强大的营养成分,如果吃不到新鲜的蓝莓,可以尝试罐头或是冷冻的蓝莓。

  

  番茄的抗氧化火力猛烈,葡萄也逊色不到哪里去。葡萄籽中的花青配糖体,其抗氧化能力是维他命C的20倍、维他命E的50倍。但作为水果的葡萄或饮料的葡萄汁因其少了发酵的过程,抗氧化的成分就少了许多,火力也相应小了许多。而用葡萄酿成的红酒因经过发酵,其抗氧化能力得以提高。

  饮用葡萄酒的有助美容的秘密在于单宁酸(Tannic),红葡萄酒比白葡萄酒更加富含单宁酸,医学证明单宁酸和红色素等酚类物质有抗氧化、延缓衰老的作用。抗氧化是护肤的重要步骤,体内氧化自由基的产生,使细胞受到损害,医学界和美容界所做的延缓衰老的研究,无不与抗氧化有着直接的关系,化妆品柜台上甚至出现各种各样的红酒美容用品,例如红酒面膜之类。中医是推崇食疗的,可以吃的可以喝的,还是直接落入肚子里最万无一失。

  

  富含蛋白质、钙、核黄素、硫胺素等成分的燕麦是五谷杂粮中唯一荣登十佳抗氧化食物排行榜的食物。每日摄取适量的燕麦能加速人体新陈代谢,加速氨基酸的合成,促进细胞更新,因此坚持每天喝一碗燕麦粥吧,它能使你容光焕发呢!

  如果你是想要永葆青春的女士,就一定要试试小编推荐的这些抗衰老的方法哦!还有小编为大家推荐的一些可以抗衰老的食物,如果你想要年轻,千万不要忘记吃哦!


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透明质酸

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—锁住水分的秘密武器

占皮肤比重2%的透明质酸锁住了皮肤中98%的水分

好多女性为了找回20岁的青春肌肤大把服用带有胶原蛋白成分的保健品,却不见明显效果。这其实是因为她们不知道胶原蛋白中的透明质酸成分才是找回青春的关键。

胶原蛋白的双重作用

胶原蛋白有保持皮肤弹性和让皮肤保湿的两大功效,是分别来自它的两个功效成分—胶原蛋白肽和透明质酸。胶原蛋白肽(又称弹性因子)在皮肤中构成了一张细密的弹力网,它如同支架,支撑着皮肤,决定了皮肤的弹性、紧致度和“皮肤的年龄”。透明质酸(又称保湿因子),则决定了皮肤的水润度和光滑度。医学资料表明,占皮肤比重2%的透明质酸锁住了皮肤中98%的水分。胶原蛋白的“人体天然水库”的称呼实际上是来自于它的功效。

锁水更重要

俗话说,女人是水做的,这句话是有科学依据的。环顾当今女性的生活环境:空调、环境污染、工作压力等因素都会造成肌肤水份流失,令肌肤粗糙、黯哑、出现干纹,丧失青春肌肤状态。如果能有效地补充胶原蛋白中的透明质酸,从而锁住肌肤里的水分,就能在源头上解决皮肤老化的问题。

如何挑选合适的胶原蛋白产品

胶原蛋白中含有丰富的胶原蛋白肽,单透明质酸的含量却很低,一般只有3%左右,也就是说如果妳每天服用1克胶原蛋白的话,透明质酸的摄取量只有30毫克,而专家建议30岁以上的女性每天至少需要摄取60毫克的透明质酸才能保持体内的平衡。

由美国信心药业公司研发的“美人宝”,精选从鱼皮中提炼出来的富含高达10%透明质酸以及高纯度胶原蛋白肽的胶原蛋白,并进行类人化处理,使其具有高度的人体亲和力。为加强保湿性,并再特别添加大量透明质酸,使透明质酸总含量达100毫克,这相当于每天服用3克普通胶原蛋白中的含量。不仅如此,配方中还有美白去斑的儿茶素,能提高皮肤再生能力的木瓜蛋白酶和从泰国燕窝中提炼出来的具有“美容因子”之称的多种氨基酸,是一剂改写女性肤肌年龄的天然良方。


Plus plus plus  below


女人睡眠养颜的要点

更新:2012-07-26 15:17:44来源:医疗保健网

  1、不过饱:中医讲“胃不和则寝不安”,因为脾胃晚上也需要休息,晚餐吃得过饱会加重脾胃的负担,扰动脾胃的阳气,从而影响睡眠。因此,晚餐宜吃七八分饱,并且尽量清淡,以顾护脾胃清阳之气。

  2、不过动:睡前不宜剧烈运动而扰动阳气,包括睡前看电视、说话聊天等扰动心阳的活动。并且电视、音响等电器本身的辐射会干扰人体的自律神经,因此,睡前半小时不宜做剧烈运动、看电视、聊天讨论。

  3、不过思:有些人喜欢晚上看书、写文章,觉得深夜安静人很精神,效率也很高,但多思伤脾,且多思易扰动心神,因此很多人思考之后就难以入睡。因此,睡前宜静养心神,做到“先睡心后睡眼”。

  4、不过点:晚上11点之后胆经开阳气动,人轻易精神而睡不着,且极易耗损肝胆之气。因此,不要太晚睡觉。

  传统养生讲“三分调,七分养”,入冬之后,市民一般都讲究进补,可广州三君调养中心张金秀认为,用食品、保健品对人体进行调养,虽然能够起到一定的作用,但养生的重点还是养成良好的睡眠、饮食习惯,其中睡眠格外重要,正所谓,“药补不如食补,食补不如睡补”。


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女人30,这些应该在乎

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女人的容貌是会变的,这不是说年龄渐大时自然衰老的变化。 我的一位朋友,大学知名教授,和我闲聊。


说:“女人的长相是会变的,有人会越变越好看,有人会越变越丑。”

  有句话也说,“心善则貌美,心恶则貌丑”,这把容貌会变说得活灵活现。

  生活中如果注意观察,常会发现,有些人年轻时很漂亮,在人群中很出众,可年纪大了以后,在同龄人中并不显得好看,甚至还会有憔悴,早衰,枯萎,甚至凶巴巴的样子.

  相反,有些在年轻时并不一定好看,甚至偏丑的女人,却会越长越顺眼,在同龄人中越来越好看.

  通常心冷,心窄,心硬的女人,越长长像越像这颗心,僵硬,冷冰,缺少生气,得不到友善的快慰,脸上的肌肉是凝固的.心热,心宽,心善的女人,明朗,热情,生机蓬勃,事业节节日上,活的快乐自信,越长越和谐,越来越讨人喜爱.

  女人人总是以为容貌是天给的,是自我的,其实这仅是一个方面.容貌还是社会的,群体共有的.很难相象,一支美丽的鲜花,离开了阳光,空气......,还会骄艳的盛开下去.

  女人的容貌,30岁以前靠父母,30岁以后靠自己。30岁以前,女人的长相多由遗传和生存条件所致,30岁以后,多会留下社会,修养、个性、阅历、价值观,生活状态等方面的明显痕迹。

  女人30岁以前美不美靠脸,30岁以后得靠心.

  女人一生汲取的“营养”还是"糟糠",终会在体内生根长出不同的结果。因此,我喜欢说,女人的容貌要靠"养",尤其好的容貌是“养”出来的。不会"养"的女人,也许会幸运的生得一时的美丽,但不会永久.

  生命的生长,需要吸取“营养”;良好状态,需要“调养”;容颜永驻,需要“保养”;为人处世,需要“涵养”。不管是营养、调养、保养、涵养,总之,女人离不开“养”。这“养”又分为“内养”和“外养”。

  内养是根,是学识、阅历、气质、品行、世界观,是精神和心灵。内养的“养分”是女人美的源泉,透过一根根血脉、一条条筋络浸润女人的容貌,让女人历经岁月依然生动。

  外养是形,是养生、美容、化妆,是驻颜有术,花开长久。

  内养由内润外,无形为有形;外养由外入内,有形变为无形。内养外养互为作用、互为协调。

  只有内养的女人生硬、呆板;只有外养的女人浅薄、少了品味,唯有内外结合的女人才会散发出恒久的魅力和风情





30岁,对女人来说好像是一个顿号,之前蹦蹦跳跳的人生,到了这里似乎有一种该尘埃落定的感觉。 30岁了,有些事情好像来不及做了,比如好好谈场恋爱。而有些事情,则又好像不敢做了,比如放弃安稳的生活去追逐梦想。 30岁的女人,开始留意别人的生活。 30岁了,我们应该做什么?




  女人30,这些不必在乎

  1、离婚 对30岁的女人来说,一切都还来得及。一位38岁的女士与老公结婚15年,冷战13年,终于分手。她说:“他第一次向我提出离婚的时候我才30岁,那时我没有同意,现在想来真不知道为什么。如果那个时候同意分手,我的生活绝不会是今天这个样子。现在再重新开始,总觉得一切都晚了。”

  2、评价 我们最不应该做出的牺牲就是因为别人的评价而改变自我,因为那些对你指手画脚的人自己也不知道他们遵从的规则是什么。千万不要只遵从规矩做事,规矩还在创造之中,要根据自己的判断做每一件事,虽然这样会麻烦一点。

  3、幼稚 不要怕人说自己幼稚,这正说明你还年轻,还充满活力。“成熟”是个吓人的词儿,也是个害人的词儿。那些庸人,绝不会有人说他们幼稚。不信,到哪天你被生活压得老气横秋、暮气沉沉的时候,人们一定会说你成熟了,你就会知道“成熟”到底是个什么东西。

  4、失败 我的老师曾经跟我说,一个人起码要在感情上失恋一次、在事业上失败一次、在选择上失误一次,才能长大。不要说“失败是成功之母”那样的老话,失败来得越早越好,要是30岁甚至40岁之后再经历失败,很可能就来不及了。

  5、浅薄 如果每看一次《泰坦尼克号》就流一次泪,每看一次《大话西游》就笑得直不起腰,一定有人笑你浅薄,其实那只能说明你的神经依旧非常敏锐,对哪怕非常微弱的刺激都会迅速作出适当的反应。

  6、失意 大到感情上的、事业上的不如意,小到花了冤枉钱没买到可心的东西。过分在乎失意的感受,不是拿命运的无常来捉弄自己,就是拿别人的错误来惩罚自己。

  7、缺陷 也许你个子矮,也许你长得不好看,也许你的嗓音像唐老鸭……不要被自己外在的缺陷所迷惑,少走一些弯路,直接发现你内在的优势,直接挖掘自己深层的潜能。

  8、谣言 这是一种传染病,沉默是最好的疫苗。除非你能找出传染源,否则解释恰恰会成为病毒传播最理想的条件。

 9.年龄 女孩子一过25岁就开始隐瞒自己的年龄,其实大可不必,现在青年人的年龄范畴已经扩展到45岁了。





  女人30,这些应该在乎

  1、找到稳定的职业 30岁以后不要再轻易跳槽、改行,很少有老板愿意耐心地让一个超过30岁的女人从头做起。

  2、认识家庭的重要性 无论在外面经历多少风雨,也要有一个心灵和身体的容身之所。

  3、好好打扮自己 掌握一套最适合自己的化妆术,30岁后仍保持靓丽的形象。

  4、认真地护理皮肤 岁月不饶人,要延迟肌肤衰老,保持青春活力,就要及早进行专业护理。

  5、完成父母的心愿 ,有一定的经济能力可以去满足年老父母的愿望。

  6、置业 如要向银行贷款,越早买房便越早安心,无需年老时仍为还贷款担心。

  7、知道自己的风格 用不着再模仿别人,有信心依照自己的风格处事。

  8、保持身材 脂肪和赘肉会在30岁后开始积淀在体内,保持身材不仅是健康之举,而且能让自己保持自信。

  9、尝试独居滋味 偶尔享受一下属于自己的独处时光,多一些思考空间,也可以做一些自己喜欢的事。

  10、关心父母 父母的年纪渐大,既然已能照顾好自己,就应多关心他们,常回家看看。

  11、结婚 30岁后, 不能只有家庭

  12、 一班朋友  玩 娱乐, 打扮靓靓  是尊重她人的表示

  13、钻研厨艺 有“另一半”的   一星期 可以   1~4次    用美食去报答他的关怀,如果仍是独身,更要吃得好些,善待自己。

14、  不要一直加班  不见朋友    

15、人生剩下几十年来   好好利用     聚会 1 星期  见一次   最好

  16、在发型、17、化妆上     fashion   多做新尝试 30岁左右多变换一些风格尚有余地,年龄太大就难免有些束缚了。

  
  18、拍一套写真集 年纪渐长对自己的容貌会越来越不自信,那就趁最美丽的时候留下倩影,以后也可以骄傲地给自己的儿女看看。

  19、有过一次暗恋 暗恋中的酸甜苦辣最需要与人分享,但30岁后便很难开口与闺密讨论自己的燃情岁月了。

  20、生个宝宝 越早生孩子越容易恢复,而且如果与孩子年龄差距太大,将来恐怕会有代沟。(除非你的心态年轻)

  21、学会投资理财 买一个家  家庭的管理就像是一家公司的运作,应该及早掌握支出与收入的恰当关系。

  22、管住自己的嘴 30岁以后的女人,对八卦琐事越来越有兴趣,要抑制自己这方面的“天赋”,男人最烦的就是“唠叨婆”。

  23、多与同学、朋友聚会 不管是不是已经成家,都应该多享受一些友情带来的快乐。
24、拥有几套性感的内衣 因为,到30岁后就不好意思穿了。

  

  这个世界不缺少幸福,只是,缺少发现幸福的心 *^-^*


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万能蜂蜜巧护肤

Sunday, July 14, 2013
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万能蜂蜜巧护肤 全身上下都能滋润

编辑:yuan    2013年12月12日     来源: 生命时报     

1.修护发膜

蜂蜜可以让秀发恢复亮泽,防止分叉。具体配方是:1茶匙蜂蜜+1杯水+2勺醋,有条件的还可以加几滴精油。洗发后,用其在头皮和发丝上按摩一会儿,再用清水洗净即可。

2.滋润皮肤

传说埃及艳后的护肤秘诀就是用牛奶和蜂蜜洗澡。奶制品中的α羟基酸可以软化死皮,而蜂蜜中的酶可让皮肤更柔嫩。在洗澡水中加入一袋牛奶和几勺蜂蜜混匀即可。

3.防晒护肤

自古就有用蜂蜜缓解晒伤的秘方。当皮肤被晒得通红的时候,不妨抹上一层薄薄的蜂蜜,会感到清凉舒缓,防晒伤的效果更好。

4.抗皱保湿

蜂蜜堪称“天然保湿剂”。将牛油果或黄油捣碎,加入几勺蜂蜜,制成保湿乳,其抗皱效果也很好。

5.去死皮

将蜂蜜、红糖、橄榄油和柠檬汁混合,制成磨砂膏,用其按摩脸部,既无化学刺激,还能去死皮,使皮肤更光滑,尤其适合敏感皮肤。

6.防止唇干裂

将蜂蜜、红糖、橄榄油混合,涂抹按摩唇部就能拯救容易干裂的嘴唇。

7.消除疤痕

蜂蜜可以加速疤痕消退。睡前在疤痕上抹一些纯蜂蜜,然后用绷带包扎好,次日清晨洗净即可。

8.祛痘

蜂蜜具有抗菌属性,可清洁皮肤内的杂质,具有较好的“战痘”功效。洗净脸后将蜂蜜涂在痘痘上即可。

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Scammed Malaysia.com

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Airasia Exclusive ProgramAsia Pacific Regional HeadquartersKota Kinabalu International AirportOld Airport Road Tanjung Aru 88100Kota Kinabalu SabahMalaysiaThe 2013 AirAsia Exclusive High 5 Special Bonus program selection has been performed at our Asia Pacific Regional Headquarters here in Sabah, Malaysia. The 2013 AirAsia Exclusive Special Bonus program is registered and organized in accordance with the Asian Gaming Board (A.G.B.) and the World Lottery Regulation Act (W.L.R.A.).We are therefore pleased to officially notify you of the status of your Winnings. An official notification of AirAsia Exclusive Special Bonus is hereby issued to you as your email ticket number; AirAsia-09-0-96-10, with serial number; AirAsia /01/2013, and ref no; AirAsia /019/2010007 in batch A /6183 randomly drew for the lucky numbers 000-31-0584 which selected your email address as a winner of our Exclusive Special Bonus program selection. You have therefore consequently won the 2013 AirAsia Exclusive Special Bonus in its first batch.As regards the above, we have officially approved a sum payout of MYR 300,000,00 (Three Hundred Thousand Ringgit) only to you as our High 5 Exclusive Special Bonus winner, The 2013 AirAsia High 5 Exclusive Special Bonus program's Organizing Committee (L.O.C.) will immediately commence the immediate dispatch of your cheque of $MYR 300,000,00 (Three Hundred Thousand Ringgit)  as soon as you have contacted them. You are therefore advised to contact the 2013 AirAsia High 5 Exclusive Special BonusProgram’s Organizing Committee (L.O.C.) immediately as stated below;================================================================Contact Person: JK AllenDispatch Officer in Charge2013 AirAsia lottery program's Organizing Committee (L.O.C.)Email: www.airasia.my@outlook.com================================================================***********************************1. Full Name:.......2. Residential Address:.....3. Country:......4. Occupation:......5. Telephone:...Yours Sincerely,Jimmy ChanChairman(c)2013 AirAsia lottery program's Organizing Committee (L.O.C.)For and on behalf of AirAsia, Asia Pacific  Regional.
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For first time Malaysia Apartments buyer may take note

Saturday, June 22, 2013
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感謝Email me if you're interested to buy Malaysia  Property

I can ask my friends explain to you【出售】 【出租】~【新山】 房屋 地产

如果您正准备或已决定出售,出租或要购买产业,请联络我们。
我们将为您提供最新的产业资讯与最快,最佳的服务。谢谢!


如需要
另外我们也有为顾客提供银行贷款,买卖/租凭合约与MRTA/MLTA保险服务。为我们的客户提供完善的一站式服务!房地产

Property Transaction Costs In Malaysia(Simplified): 1) Stamp Duty == 1% - 3% (By Buyer) 2) Lawyer/Solicitor's Fees == 0.4% - 1% (By Buyer) 3) Other Fees == MYR180 (US$49) (By Buyer) 4) Real Estate Agent's Fees == 2% - 2.75% (By Buyer or Seller or Both)

Explaination as follow: 1) Stamp Duty (Value Of Property in MYR -- Rate) First 100,000 -- 1% Next 400,000 -- 2% Remainder (Over 500,000) -- 3%

 2) Lawyer/Solicitor's Fee (Value Of Property in MYR -- Rate) First 150,000 -- 1% Next 850,000 -- 0.7% Next 2,000,000 -- 0.6% Next 2,000,000 -- 0.5% Next 2,000,000 -- 0.4% * where the consideration or adjudicated value is in excess of MYR7,500,000 then it's negotiable but shall not exceed 0.4% of such excess


3) Other Fees (MYR) Stamping Fee (per document) -- MYR10 Adjudication Fee -- MYR10 Title Search Fee -- MYR60 Registration Fee -- MYR100

4) Real Estate Agent's Fee Agent's Fees are regulated by the Board of Valuers, Appraisers and Estate Agents Malaysia (LLPEH). Commission is paid either by buyer or seller, subject to a maximum discount of 30% but a minimum fee of MYR1,000 per case. The scale is not applicable to sale of foreign properties in Malaysia.



Agent's Fee (Value Of Property in MYR -- Rate) First 500,000 -- 2.75% Remainder -- 2% Property Buying Procedure(Simplified): The first step to purchasing property in Malaysia is to hire a real estate lawyer to assist in the transaction.

 Once property is selected, a Letter of Offer/Acceptance is signed, and a 3% deposit is expected from the buyer.



Within 14 days, the Sale and Purchase Agreement is signed. The buyer must pay another 7% deposit. From the date of the signing, the buyer has a maximum of three months to accomplish full payment. The Sale and Purchase Agreement must be stamped at the Stamp Office. After the examination on the property of the valuation department, Stamp Duty is paid to the Stamp Office. The transfer must be registered at the Land Office Registry. Be cautious when buying new property in unfinished condominium projects


. Buyers may not be fully protected against default, an issue vigorously raised by the Malaysian House Buyers’ Association, which has pointed to flaws in The Housing Development (Control & Licensing) Act 2002, and the Strata Titles Act. Those buying unfinished property from developers should ensure that the developer has a valid Developer’s License and a valid Sales & Advertising permit. Disclaimer: This article is written to give you a basic idea of how property buying cost and procedure in Malaysia works in a nutshell, always consult a professional real estate agent should you have any doubt or questions.

My friends are property agents in Jb area and i think might be useful   information  for   some  of you    who's      first time apartment   buyer  ...

 
I have done summaries for apartment buyers when we chatting about apartment rental.



Property prices are generally based on demand and supply which are determined by location, accessibility,quality,purchasing power of buyers,developer's background and value add features.

The term "Serviced Residence" was devised by Developers to circumvent the Local Govt. Regulations that restrict residential developments to residential land. DBKL apparently allows Developers to get away with this deceit by allowing the construction of these "Serviced Residences" on Commercial Land. Disadvantage to buyers - higher Assessment, Quit Rent and possible lower margin of finance.No service available - just more con games



About my job

     主业是   我們为所有的客戶提供優質的旅遊服務和實惠的服務。我們都受過良好訓練,尊重和公平對待所有客戶。我們提供入境各国旅遊服務 - 個人與團體導遊的遊覽 - 獨家觀光城市觀光 购物 历史古建筑 和特殊觀鳥,探險,钓鱼行程*    我希望這些信息將有助於你的深入了解本公司的服务☆★請讓我知道,如果你需要任何進一步的信息* www.gogoasiatravel.com www.gogoasiavacation.me http://shirechinsabahtravel.wix.com/main




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是时候认真做好补腎工作

Friday, June 7, 2013
0 comments
适时服用银耳之类的滋补品,能润肺生津,益阴养肝。同时,少吃酸味、多吃甘味的食物,以滋养肝脾两脏,对防病保健大有裨益。下面再介绍两种养肝粥,电脑一族不妨一试。  枸杞粥:枸杞子30克,大米60克。先将大米煮成半熟,然后加入枸杞子,煮熟即可食用。  此粥适合那些经常头晕目涩、耳鸣遗精、腰膝酸软等症的人。肝炎患者服用枸杞粥,则有保肝护肝、促使肝细胞再生的良效。



。什么样的人需要补肾?  除了已经诊断明确有肾虚症状的人之外,有两类人群需要密切关注肾虚带来的影响。  ·经常熬夜的人  现代人的生活压力较大,特别是年轻人,熬夜是家常便饭。中医认为,熬夜消耗阴气,如果经常熬夜,会过度消耗人体的物质基础,引起身体的各种不良反应。现代研究发现,经常上夜班的人,脂肪肝的发病几率远高于正常人群。


 A:中医理论认为,一天中补肾最佳时间是早上5点至7点,晚上11点至凌晨1点。 黑眼圈是肾虚吗?  肾虚是中医学术语,泛指腰酸、肢冷、腿软、性功能减退、耳鸣,男性尿少、遗精、阳痿, 女性经期异常、白带稀薄闭经等。那熊猫眼到底是否是肾虚呢? 

 其实,单纯眼圈黑不是病态,现代医学认为,人的眼睑(眼皮)及其周围组织很薄,如劳累、失眠后,眼睑长时间收缩,能引起结缔组织血管充血,血流不畅,微循环障碍,所以眼圈发黑。出现黑眼圈用不着担惊害怕、乱吃补药,只要精神愉快,多活动锻炼身体,充足睡眠,少则3―5天,多则1―2周,黑眼圈随后也就消失了。


导语:面部斑点增多,黑眼圈不断增大,都是肾虚惹的祸,而且女人肾虚易变老,那么怎样养肾最适合呢?其实黑色食物都有滋阴养肾,延缓衰老的作用,所以可以考虑多吃吃黑色食物。下面一起来看看爱美网小编整理的黑色食物补肾食谱吧。 由于女性年龄的变化改变着她们生理的变化,所以她们各个年龄段都有补肾的侧重差异。肾有藏精、生髓、滤毒、调节内分泌四大功能,是人体的健康之源、美丽之源、气血生化之源,是女性最重要的脏器,对女性的生长发育和生殖有不可替代的作用。  20岁女人补肾要点:养肝明目,滋阴补肾;  30岁女人补肾要点:滋阴润燥,调整月经;  40岁女人补肾要点:健脾固肾,强身健体。   专家提醒:女性发胖也许是肾虚  六味地黄丸:此方既补肾健脾,又有平肝的作用。方中药物三补三泻,如熟地、山萸肉、山药,补肾健脾为三补;茯苓、泽泻、丹皮利水渗湿、平肝之火为三泻,是一个补而不腻,补泻平和,诸脏皆可兼顾的一个非常好的方子。 





 




  疗效:黑米党参粥具有滋阴补肾、补气健脾的功效,如果气虚体弱、脾胃虚弱、肾气不足的话,是相当好的一款食疗补品。



 夏季补肾良药之:韭菜  韭菜又叫起阳草、壮阳草、长生韭,是一种质嫩味鲜、营养丰富的蔬菜,自古以来备受人们喜爱。韭菜还是一味传统的中药,具有温中补虚,补肾壮阳的作用。常用以治疗脾肾虚寒导致的遗尿、多尿、阳痿、遗精等症。又因其含有较多的纤维素,可增加胃肠蠕动,因而治疗习惯性便秘,预防肠癌;其含有的挥发油及含硫化合物,可促进食欲、杀灭细菌、降低血脂,对高血脂、冠心病病人有益。



中医:女人对症补肾的10大食物一、女人滋肾阴的5大食物肾阴虚有耳鸣耳聋、五心烦热、失眠、多梦、盗汗、口干咽燥、头晕目眩、午后颧红、舌红少苔或有裂纹、脉细数等症状。1、枸杞子中医介绍,枸杞子味甘、性平具有补肝益肾之功效,《本草纲目》中说“久服坚筋骨,轻身不老,耐寒暑。”中医常用它来治疗肝肾阴亏、腰膝酸软、头晕、健忘、目眩、目昏多泪、消渴、遗精等病症。枸杞子服用方便,可入药、嚼服、泡酒。但外邪实热,脾虚有湿及泄泻者忌服。2、百合中医认为百合性微寒平,具有清火、润肺、安神的功效,是一种药食兼用的滋补品。3、黑木耳黑木耳是著名的山珍,可食、可药、可补,中国老百姓餐桌上久食不厌,有“素中之荤”之美誉,世界上被称之为“中餐中的黑色瑰宝”。有益气、充饥、轻身强智、止血止痛、补血活血等功效。还具有一定的抗癌和治疗心血管疾病功能。





















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WITHDRAWAL EPF TO PURCHASE A HOUSE

Sunday, May 5, 2013
2 comments
WITHDRAWAL EPF TO PURCHASE A HOUSE
Source: Kumpulan Wang Simpanan Pekerja

This withdrawal allows you to withdraw your savings in Account II to partially finance the purchase of a house either via:
Individual purchase; or
Joint purchase with spouse, family members or other individuals.

This withdrawal also allows you to purchase a house from a developer, an individual or public auction.

Your EPF Account is where all your monthly contributions and that from your employer are credited into.

Effective 1 January 2007, the Account is divided into two parts, namely Account I and Account II. Contributions received on your behalf from your employer will be credited into the two accounts. These accounts are created for different purposes, and different types of withdrawals are applicable on each accounts:

1. Account I - 70% of monthly contribution
Savings in this account is meant to be used for your retirement, and it cannot be fully withdrawn before you reach the age of 55, become incapacitated, leave the country or deceased (payment will be made out to your nominee / heir).
You are allowed to invest part of this savings to allow you to add the value of your savings.

2. Account II - 30% of monthly contribution
Savings in this Account is meant to help you to make early preparations for a comfortable retirement. Withdrawals are allowed for the purposes of:
Attaining the age of 50 years;
Owning a house - the downpayment for your first house;
Settling the balance of your housing loan - first house;
Financing education for you and that of your children's;
Medical expenses for you and that of your children's

The EPF will not consider application for withdrawal from any account for purposes other than those stated in the current law as cited in the EPF Act 1991; EPF Rules and Regulations 1991; and EPF Circular and Procedure.

Withdrawal Eligibility
You are eligible to apply if you are:
A Malaysian citizen; or
A Permanent Resident; or
A Malaysian citizen who have withdrawn your savings under Leaving The Country
Withdrawal before 1 August 1995 but subsequently returned and re-contribute to EPF; or
A Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1
August 1998.

You need to have savings in your Account II and you must also have not reached 55 years of age on the date the application is received by the EPF.

Conditions of Withdrawal
Conditions of withdrawal to purchase a house are as follows:
You have purchased a house (house types: bungalow / terrace / semi-detached / flat /
condominium / apartment / studio apartment / service apartment / town house) or a
shop house with a dwelling unit; and
You financed the purchase of the house by obtaining a housing loan from any financial
institution approved by the EPF
OR
You purchased the house by cash; and
You have executed the Sales and Purchase Agreement not more than three years
from the date the application is received by EPF; and
You have never made Housing Withdrawal
OR
You are buying a second house - You have previously made Housing Withdrawal but have since sold the house and subsequently purchased another house. You must produce the proof of sale of the first house; and
You wish to purchase a house by way of hire purchase from any authority authorised
by the EPF.
You purchased a piece of land and built a house on it simultaneously (the date of
Land Purchase Agreement with the House Construction Agreement must be within 6 months).

However, you are not eligible to withdraw for the purpose of:
Purchasing a piece of land or a housing lot only.
Renovating, repairing or make extension works to an existing house.

Amount Eligible to Withdraw
You can withdraw your savings based on the following, whichever is lower:
Individual Purchase:
The difference between the price of the house and the housing loan
with an additional 10% of the price of the house.
OR
All balance available in Account II.
Joint Withdrawal with Spouse, Family Members or Other Individuals Purchase:
The difference between the price of the house and the housing loan
with an additional 10% of the price of the house.
OR
All balance available in Account II of all applicants subject to the maximum eligible amount as stated above.

If you obtained a full housing loan (100%), you are eligible to withdraw as much as 10% of the price of the house OR all balance available in Account II, whichever is lower.

If you purchased a house by cash, you are eligible to withdraw as much as the price of the house with an additional 10% of the price of the house OR all balance available in Account II, whichever is lower.

You can choose to determine the amount you wish to withdraw from your savings in Account II, subject to the maximum amount you are entitled to withdrawal by completing "Surat Akujanji Pilihan Amaun Pengeluaran".

Example 1: Purchase from Individuals
Encik Sallehuddin purchased a house costing RM75,000 and obtained a housing loan of RM60,000. His total EPF savings in Account II is RM40,000. Therefore the amount of savings that he can withdraw is:
DETAILS
AMOUNT (RM)
Price of The House 75,000.00

Housing Loan 60,000.00

Difference Between Price of The House and Housing Loan 15,000.00

Additional 10% of The Price of The House 7,500.00

Maximum Amount Eligible For Withdrawal 22,500.00

Available Balance in Account II 40,000.00

The Amount That Can Be Withdrawn 22,500.00
Since the maximum amount he is eligible to withdraw is lower than his total savings in Account II, Encik Sallehuddin can withdraw RM22,500 only.
Example 2: Individual Purchase by Cash
Encik Amirul purchased a house costing RM125,000. He did not take any housing loan to finance the purchase. He has paid RM35,000 to the developer. His total savings in Account II is RM60,000.
DETAILS
AMOUNT (RM)
Price of The House 125,000.00

Housing Loan NIL

Difference Between Price of The House and Housing Loan 125,000.00

Additional 10% of The Price of The House 12,500.00

Maximum Amount Eligible For Withdrawal 137,500.00

Available Balance in Account II 60,000.00

The Amount That Can Be Withdrawn 60,000.00
Since Encik Amirul only has RM60,000 in his Account II, he can withdraw all of his savings in Account II.
Example 3: Joint Purchase
Encik Amir and Puan Syuhada purchased a house costing RM100,000 and they obtained a housing loan of RM100,000. Encik Amir has RM20,000 in his Account II while Puan Syuhada has RM3,600 only in her Account II.
DETAILS
AMOUNT (RM)
Price of The House 100,000.00

Housing Loan 100,000.00

Difference Between Price of The House and Housing Loan NIL

Additional 10% of The Price of The House 10,000.00

Maximum Amount Eligible For Withdrawal By The Couple 10,000.00

Available Balance in Account II for Encik Amir 20,000.00

Available Balance in Account II for Puan Syuhada 3,600.00

The Amount Chosen To Be Withdrawn By Encik Amir 7,000.00

The Amount That Can Be Withdrawn By Puan Syuhada 3,000.00

The Amount That Can Be Withdrawn By The Couple 10,000.00
Since both members obtained 100% housing loan, the maximum amount that can be withdrawn by this couple is 10% of the price of the house only, i.e. RM10,000 to cover for side cost. Applications will be processed according to the amount they choose to withdraw respectively, by completing the "Surat Akujanji Pilihan Amaun Pengeluaran".
Example 4: Purchase Of A Housing Lot And Building A House On It Simultaneously
Encik Nasaruddin purchased a piece of land costing RM80,000 on 1st January 2005 and obtained a loan of RM70,000 to finance the purchase. On 1st May 2005, he signed an agreement to build a house on the said land with a total construction cost of RM200,000. He obtained a housing loan of RM100,000 to build the house. The calculation for withdrawal by Encik Nasaruddin is as follows:
DETAILS
AMOUNT (RM)
Price of The Land 80,000.00

Cost of Construction of The House 200,000.00

Total Price of The Land and Cost of Construction of The House 280,000.00

Total Housing Loan To Purchase The Land and To Build The House 170,000.00

Difference Between The Price of The Land and Cost of Construction of The House with The Total Housing Loan 110,000.00

Additional 10% of The Total Price of The Land and Cost of Construction of The House 28,000.00

Maximum Amount Eligible For Withdrawal 138,000.00

Available Balance in Account II 150,000.00

The Amount That Can Be Withdrawn 138,000.00
Since both members obtained 100% housing loan, the maximum amount that can be withdrawn by this couple is 10% of the price of the house only, i.e. RM10,000 to cover for side cost. Applications will be processed according to the amount they choose to withdraw respectively, by completing the "Surat Akujanji Pilihan Amaun Pengeluaran".

How To Apply - Section A (Submission at Counter)
Members are required to complete Form KWSP 9C (AHL) and to submit this form together with the following documents, whichever is applicable:

1. Purchase from Developer or Public Auction
Application can be submitted at the EPF counter or by post (read Section B).

Submission at Counter
You need to produce:
Supporting documents (original and photocopy)
Identification Card / Military Identification Card /MyKad
OR
Police Identification Card affixed with your right and left thumbprint impressions on its
copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person;
Personal Savings Account Passbook / Statement or Personal Current Account
Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer);
Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale
(purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF;

If you have obtained a housing loan, the following documents are required:
Housing Loan Approval Letter (if the loan approval is less than one year)
OR
Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if
the loan approval has been more than one year).

If you self-financed the purchase of the house, the following additional documents are required:
Purchase from Developer
Purchase from Public Auction
Letter from the developer confirming the purchase paid in cash; and Letter from the developer confirming the purchase paid in cash; and

Proof of payment of at least 20% from the price of the house; and Proof of payment of at least 20% from the price of the house; and

Architect Certificate with not less than 20% of construction progress. Transfer of ownership documents
Form KTN 16F ('Perakuan Jual
Oleh Mahkamah')
OR
Form KTN 16I ('Perakuan Jual
Oleh Pentadbir Tanah)
OR
Deed of Assignment in your name
OR
Form KTN 16F/ 16I/ Deed of
Assignment which has not been processed by the Land Office AND Declaration Letter from you to produce the above-mentioned transfer of ownership document (duly completed) within 6 months.
2. Purchase from Individuals
Application can be submitted at the EPF counter or by post (read Section B).

Submission at Counter
You need to produce:
Supporting documents (original and photocopy)
Identification Card / Military Identification Card /MyKad
OR
Police Identification Card affixed with your right and left thumbprint impressions on its
copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person;
Personal Savings Account Passbook / Statement or Personal Current Account
Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer);
Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale
(purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF;

If you have obtained a housing loan, the following documents are required:
Housing Loan Approval Letter (if the loan approval is less than one year)
OR
Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if
the loan approval has been more than one year).
Deed of title as the following:
Individual / Strata
Title Has Been Issued
Individual / Strata
Title Has Not Been Issued
Deed of Title in the name of the seller AND Letter of consent of transfer issued by the Land Office (if there is restriction on the property);
OR
Deed of Title in your name ;
OR
Duly completed Form KTN 14A by the Land Office in your name.
Letter of consent of transfer from the developer AND Letter of consent of transfer issued by the Land Office / Local Authority (if there is restriction on the property);
OR
Deed of Assignment in your name.
If you self-financed the purchase of the house, the following additional documents are required:
Letter from the lawyer in charge of the sale and purchase confirming the purchase
paid in cash;
Proof of payment of at least 20% of the price of the house; and
If Form KTN 14A or Deed Of Assignment in your name as mentioned above has not
been processed by the Land Office, the following documents are required:
Individual / Strata
Title Has Been Issued
Individual / Strata
Title Has Not Been Issued
Form KTN 14A in your name,
which has not been processed by the Land Office
AND
Receipt of Submission ("Penyata
Perserahan") from the Land Office
AND
Declaration Letter from you to
produce the duly completed Form KTN 14A within 6 months.
Form Deed Of Assignment which
has not been processed
AND
Declaration Letter from you to
produce the duly completed Deed of Assignment within 6 months.
3. Purchase of Land and Construction of a House as a Package
Application can be submitted at the EPF counter or by post (read Section B).

Submission at Counter

You need to produce:
Supporting documents (original and photocopy)
Identification Card / Military Identification Card /MyKad
OR
Police Identification Card affixed with your right and left thumbprint impressions on its
copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person;
Personal Savings Account Passbook / Statement or Personal Current Account
Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer);
Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale
(purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF;

If you have obtained a housing loan, the following documents are required:
Housing Loan Approval Letter (if the loan approval is less than one year)
OR
Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if
the loan approval has been more than one year).
House Construction Agreement containing your name or the names of all applicants
for joint withdrawal and that is executed not more than 3 years on the date the application is received by the EPF;
Sales and Purchase of Land Agreement containing your name or the name of all
applicants for joint withdrawal and the date of agreement is within 6 months with the House Construction Agreement;
Deed of Title of the land in the name of the seller/ developer; or
If the Deed Of Title still in the name of the land owner, the following documents must
be produced:
- Power of Attorney that has been registered with the court, if the purchase of land
and house construction is made through Power of Attorney; and
- Deed of Title of the land.

If you self-financed the purchase of the house, the following documents are required:
Letter from the developer confirming the purchase paid in cash;
Proof of payment of at least 20% of the price of the house; and
Architect Certificate with not less than 20% of construction progress.
4. Purchase of Second Hourse
Application can be submitted at the EPF counter or by post (read Section B).

Submission at Counter

You need to produce:
Completed KWSP 9C (AHL) form
Supporting documents (original and photocopy) where relevant depending on the type
of purchase (whether purchase from developer or public auction, purchase from individuals, or purchase of land and construction of house simultaneously as a package);
One of the following documents as the proof of sale of the first house:
Transfer of ownership document Form KTN 14A duly completed by the Land Office;
Deed of Assignment between you and the purchaser;
Deed of Title in the name of the purchaser AND Sales and Purchase Agreement
between you and the purchaser;
Real Property Gains Tax Form (CKHT 5) AND Sales and Purchase Agreement
between you and the purchaser;
Public Auction Form (KTN 16F or KTN 16I) AND confirmation from the bank;
Transfer of property ownership through a Court Order to any party AND Divorce Papers
(for divorced cases); or
Official Search from the Land Office showing your name and the new owner AND
Sales and Purchase Agreement between you and the purchaser.

How To Apply - Section B (Submission by Post)
Application can be submitted at the EPF counter (read Section A) or by post.

Submission By Post
You are required to produce the completed KWSP 9C (AHL) Withdrawal Form along with photocopies of the said documents mentioned above certified by certifying officers authorised by the EPF.

Applications can be sent to:

The Employees Provident Fund
Locked Bag No. 220,
Jalan Sultan,
46720 Petaling Jaya,
Selangor, Malaysia.

* You are required to furnish your full address in Form KWSP 9C (AHL). Any change of address after submitting this application must be notified to the nearest EPF office.

Certifying Officer
Officers authorised by the EPF to certify supporting documents to application form are as follows:
EPF Officer:
- EPF Officer (Grade 18 and above) - EPF Main Counter Duties
Applicant's employer
Justice Of The Peace
Penghulu/Penggawa
Registered medical practitioner
Advocates and Solicitors
Government officers (professional Group)
State Assemblyman
Member of Parliament
Commissioner of Oath

Mode of Payment
All withdrawal payments will be credited directly into your bank account subject to the following conditions :-
You have a bank account with any panel of banks appointed by EPF ;
Your bank account is still active ; and
Your bank account is a Personal Savings/Current Bank Account OR a Joint Account
(for withdrawal payment above RM100,000 only).

However, if the EPF is unable to credit the payment into your bank account due to reasons such as your bank account is not active or your Personal Identification number does not match, you will be paid by banker's cheque.

(For more information regarding direct payment to your bank account and the list of banks appointed by EPF, please refer to Direct Crediting Into Member's Bank Account System)

* After making this withdrawal, you are eligible to withdraw your savings to reduce/redeem the housing loan for the same house once a year. For further information, please refer to Reduce/Redeem Housing Loan Withdrawal.

Enquiry
If you have any enquiry or problem relating to your withdrawal application, please contact the nearest EPF Office or the EPF Customer Service Department as follows:

Customer Service
Tel: 603.8732.6000
E-mail: enquiry@epf.gov.my
Website: http://www.kwsp.gov.my


Understand from Malaysia friends and checked with KWSP 

Dear Friend,

Greetings! It is indeed true that EPF only recognizes withdrawal for first property purchases and not for re-financing. They can be rather uncertain at times with their information and it is good to actually clarify this with Housing Loan Supervisor. You will then received the right information and assistance through out the way.


 my 1st house didn't withdraw EPF.

My second house withdraw EPF for down payment & loan reduction.

bot 3rd house last year, can't withdraw $$ from EPF & was told can withdraw for loan reduction provided the 2nd house loan settle.


so, the answer is cannot withdraw for down payment, can withdraw for loan reduction 


my experience,

1st house withdraw epf for down payment.

2nd house, manage to withdraw to reduce loan principle sum(but u can choose to have it bank in to your account), provided 1st house has been sold and proof of s&p and settlement of RPGT.

3rd house onwards, not eligible any more.

 Conclusion :   You only allow to do 1 time withdrawal presume we can live longer 99years old ...

Some people may lose the chance to buy house
suggest to fork out deposit first and claim EPF later.... **think my brother will do this way..

You will need to pay the deposit first then go to withdraw from EPF. Since you didn't withdraw before then this will not be a problem.





Details  



EPF
Most salaried Malaysians after working a few years would have accumulated at least a modest amount of money in their EPF accounts. Some would have a vague idea that EPF money can be used to help with the purchase of a house or to pay down a loan. But what exactly can EPF funds be used for? And how does one go about it?
1. Withdrawal to purchase / build a house
This scheme allows individuals (or joint purchasers) to withdraw money from their EPF Account 2 to purchase a house (type: bungalow / terrace / semi-detached / apartment / condominium / studio apartment / service apartment / townhouse / SOHO) or a shop lot with residential unit, from a developer, individual, or in a public auction.
To apply, the Sale and Purchase Agreement (SPA) as well as the Housing Loan Approval Letter (unless the house was paid for in cash) or Loan Facility Agreement must be submitted at the time of the application. You can walk in to any KWSP office to submit the KWSP 9C (AHL) (D5) Withdrawal Form, along with the supporting documents or submit via postal services.

In most cases, it would mean that you will have to pay for the following upfront costs first and complete the following before applying for a withdrawal:
  1. Booking fee + Down payment for the house
  2. Lawyer fees and stamp duty for the Sale and Purchase Agreement
  3. Obtain the at least the letter of approval for the housing loan.
Withdrawal limits
  1. Money from EPF Account 2 can be used to pay the price difference between the SPA house price and the housing loan amount, up to an additional 10% on the price of the house. So if a full housing loan (100%) is obtained, the maximum that can be withdrawn is up to 10% of the price of the house.
  2. If the house was purchased using cash, up to 110% of the price of the house can be withdrawn.
  3. Any withdrawal amount is always subject to whatever money is available in the applicant’s (and where applicable, joint applicant’s) Account 2.
Eligibility for withdrawal
  1. Withdrawal to purchase the first house
  2. Withdrawal to purchase a second house, provided the first house is sold, or disposal of the property has taken place
The full list of T&Cs plus the necessary supporting documents can be found at this section of KWSP’s website.
2. Withdrawal to reduce / redeem a housing loan
This scheme allows individuals to withdraw money from their EPF Account 2 to reduce or redeem the housing loan balance with approved financial institutions. This can be done for individual purchases, joint purchases, or for a spouses’ housing loan.

To apply, the latest Housing Loan Balance Statement (no more than 3 months from date of application) and all Loan Redemption Letters (where refinancing was performed before) must be submitted at the time of the application. You can walk in to any KWSP office to submit the KWSP 9C (AHL) (D5) Withdrawal Form, along with the supporting documents or submit via postal services.
Withdrawal limits
  1. The entire housing loan balance
  2. Any withdrawal amount is always subject to whatever money is available in the applicant’s (and where applicable, joint applicant’s) Account 2.
Eligibility for withdrawal
  1. Withdrawal to reduce / redeem the loan of the first house
  2. Withdrawal to reduce / redeem the loan of the second house, provided the first house is sold, or disposal of the property has taken place
The full list of T&Cs plus the necessary supporting documents can be found at this section of KWSP’s website.
3.  Withdrawal to pay down Housing Loan Monthly Installment
This scheme is an addition to the above scheme (Withdrawal to reduce / redeem housing loan) and allows you to set up a standing instruction for money from Account 2 to be directly paid to the bank or even directly credited to the your bank account. Once this has been setup, automatic monthly payments can only be cancelled 1 year after the initial withdrawal by filling in the Withdrawal Cancellation Application Form.
To apply, the latest Housing Loan Balance Statement (no more than 1 months from date of application) must be submitted at the time of application. You can walk in to any KWSP office to submit the KWSP 9C (AHL) Withdrawal Form, along with the supporting documents. The full list of T&Cs plus the necessary supporting documents can be found at KWSP’s website.
4. Boosting your reported monthly income to qualify for a higher value loan
This scheme is useful for people who want to apply for a higher value loan than they normally would qualify for. Individuals are able to apply to EPF to set aside a certain amount from their Account 2 to be put into a special “Flexible Housing Withdrawal Account”. Monthly contributions to this account are treated as income to the person, thus allowing the individual to obtain a higher loan amount for the purchase/building of a house.
In addition to setting a fixed amount to be transferred from your Account 2 monthly, you can also apply to have an initial lump sum transfer from the savings already in Account 2.
What happens to money inside the Flexible Housing Withdrawal Account?
The money inside this account still belongs to the individual under EPF’s control. It is not given to the bank, and will continue to earn dividends from EPF. However, funds inside this account cannot be accessed by the individual until certain special conditions are met, one of which is the consent and approval of the bank to “unfreeze” the money. Typically, banks would consent to it when the “real income” of the person has caught up with the amount supplemented by the amount transferred from the Account 2 monthly.
Additionally, the application to “unfreeze” the money and stop any future transfer of funds to the Flexible Housing Withdrawal Account can only be made 1 year after the initial application.
How to Apply
  1. Notify the Financial institution of the intent to apply for this Flexible Housing Withdrawal Account during the application process. Obtain verification from the Financial Institution on the loan details.
  2. Submit application via the Financial Institution
  3. The Flexible Housing Withdrawal must be applied together with:
                                i.            Withdrawal to Purchase/Build a House, OR
                              ii.            Withdrawal to Reduce/Redeem Housing Loan

The full list of T&Cs plus the necessary supporting documents can be found at KWSP’s website.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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shire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photoshire chin's profile photo The blog for the smart consumer, featuring money saving tips and deals, ... http://YOUNGPALACEB EAUTY.BLOGSPOT.COM Smart Consumer Shopper is an online resource of useful information for personal and families too. ... In this blog, I'll share some discount offers and freebies I've found on the web OR partner-ads. Get great saving tips, consumer news and notice. ... First of all, thank you for continuing to read this blog for the latest in money-saving tips, strategies and local deals or coupons.

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Dear Valued Customers, Our best wishing for having a prosperous and ‘dragonfruit-ful’ new year! On behalf of YOUNG PALACE BEAUTY TEAM

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♥♥♥For interested parties here (Singapore, Malaysia & Asia) and around the world, I would love to try, honest and talk about your product or host a giveaway for you! ♥♥♥I can share with my friends my honest to goodness review of your product and tell them what you have to offer specialty, as well as let them win some samples for themselves so they can try them out and tell their friends around! ♥♥♥ If you’re interested in promoting your product or company, or to secure a great spot or advert in my site, please contact me and team at shirechin@gmail.com. Cheers! ♥♥♥ シンジュ別名シャイアあご Client can Test products for free and share their opinions! DO NOT MISTAKEN !! Heart bullet shiryuchen aka youngpalacebeauty is not an e-shop! I'm just spreading the love I have for BEAUTY Fashion items. Simply because I can't seem to get enough of ' THEmmmmmmmmmmmmmm em. Heart bullet All reviews are FOC and may you bear in mind that I only review items that are of interest to me. i do choose brands and good quality for testing and reviewing ... Heart bullet E-shops owner, please feel free to drop us an email should you have any updates and if your items interest me, I'll arrange how you can deliver to me and review them for you with my group of buddies. ;) Heart bullet I'm a very friendly, easy going person, so if you have anything in mind, be it suggestions or comments, http://shiryuchen.blogspot.sg/ shiryu chen aka young palace beauty and team always ready to share your products
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♥♥♥For interested parties here (Singapore, Malaysia & Asia) and around the world, I would love to try, honest and talk about your product or host a giveaway for you! ♥♥♥I can share with my friends my honest to goodness review of your product and tell them what you have to offer specialty, as well as let them win some samples for themselves so they can try them out and tell their friends around! ♥♥♥ If you’re interested in promoting your product or company, or to secure a great spot or advert in my site, please contact me at shirechin@gmail.com. Cheers! ♥♥♥

Client can Test products for free and share their opinions!

Welcome to shiryuchen's blogwelcome歡迎光臨**Shiryu aka Shire World ♥✔

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A l ittle about me

TOUR CONSULTANT traVEL agent marketing reps MALAYSIATRAVELBOOKING.COMEPART SINGAPORE KUL FIT or GITSPECIALIZING ASIA GROUND TOUR HOTEL island beach eg. Saigon Angkor Wat Cambodia Vietnam Ho Chi Minh Thailand PHUKET CHINA Hong Kong MACAU Taiwan Singapore Malaysia Bali BatamDAILY DEPARTURE SENTOSA CASINO GENTING arrange TRAVELLERS FOR TOURS AND HOTEL BOOKINGS 6YRS++ you may DIRECT email shirechin@gmail.com for information Suggest to book 3-6months booking advance to AVOID DISAPPOINTED. http://gogoasiavacation.blogspot.com http://shirechinsabahtravelstation.blogspot.comfor our recent arranged tour itinerary. Besides, im also Wholesale Distributor reps agent for http://shirechintravelstation.blogspot.com - FASHION BEAUTY COSMETIC skin care PERFUME TOP TO TOE PRODUCTS wedding gown dinner dress 8YRS FREELANCE INSURANCE, PROPERTY, WORK CLOSE WITH advertising OFFICE/SHOPLOT/HOUSE RENTING FASHION TRAVEL FOOD AGENT ONLINE I LOVE TO WORK WITH DIFFERENT KIND OF PEOPLE AND ENVIRONMENT POTENTIAL COMPANY

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欢迎shiryu又名shire博客#可以留下您的意见,我会每周检查,如果你爱我的博客, 欢迎链接我 或 订阅我的博客列表更新

♥♥♥For interested parties here (Singapore, Malaysia & Asia) and around the world, I would love to try, honest and talk about your product or host a giveaway for you! ♥♥♥I can share with my friends my honest to goodness review of your product and tell them what you have to offer specialty, as well as let them win some samples for themselves so they can try them out and tell their friends around! ♥♥♥ If you’re interested in promoting your product or company, or to secure a great spot or advert in my site, please contact me at shirechin@gmail.com. Cheers! ♥♥♥ シンジュ別名シャイアあご Client can Test products for free and share their opinions! DO NOT MISTAKEN !! Heart bullet shiryuchen aka youngpalacebeauty is not an e-shop! I'm just spreading the love I have for BEAUTY Fashion items. Simply because I can't seem to get enough of ' THEmmmmmmmmmmmmmm em. Heart bullet All reviews are FOC and may you bear in mind that I only review items that are of interest to me. i do choose brands and good quality for testing and reviewing ... Heart bullet E-shops owner, please feel free to drop me an email should you have any updates and if your items interest me, I'll arrange how you can deliver to me and review them for you with my group of buddies. ;) Heart bullet I'm a very friendly, easy going person, so if you have anything in mind, be it suggestions or comments, do voice out. I don't bite!

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Helped S'pore Poly students projected 30mins MV - Indo - Love Met MIRC / ICQ .. ... is had been taken long long time ago ... cant remember

Mexican Friends wedding

Eddy & Karen | Hilton Bayfront Wedding

P.A.R.T.Y. Yeah, that’s exactly what Eddy & Karen’s wedding was not to mention an impeccable display of structure & art. The Hilton Bayfront in downtown San Diego with it’s clean lines and modern accents was the perfect venue to suit the taste of Eddy & Karen. And I can’t even begin to describe the amazing chuppah that Eddy designed and Ana of Floralworks executed. It was insanely cool! You have to see it to believe it! To top it off, Eddy even designed their logo for their wedding and it was included in all the details of the day from the truffles, to the tequila bottles on each table to the warm, fuzzy slippers for guests to take home. Truly an exquisite event!

I loved everything about their day….the strong sense of community and the close bond between friends & family…the rich traditions…the crazy dancing….everything was just awesome! And of course we can’t leave out Eddy & Karen, two of the warmest people we have ever met. Congratulations, you guys! Thank you soooo much for choosing us to be a part of your day. It was truly an honor! :)

Special thanks to our friend and fellow photographer,Jojo Feliciano, for being our third shooter this day and taking some amazing photographs!

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Eddy’s brother doesn’t smile in photographs very often so i was thrilled when Jojo captured this photo of him looking very nice with a big smile on his face! :)

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We supply professional hair care products and hair salon equipments Mission:provide better compete hair care product to hair salon, quality on product,reasonable on price & super deal offer promotion. Products:MP ITALY/Wella/JS/NEXXEN partner USA-UK-AUS-ASIA DISTRIBUTOR FASHION BEAUTY COSMETIC PERFUME hair extension EYELASH COLOR LENS ampoule SERUM facial masks We supply profesional hair care products and hair salon equipments Mission:provide better compete hair care product to hair salon, quality on product,reasonable on price & super deal offer promotion. Products:MP ITALY/Wella/JS/NEXXEN\ 1.) MP ITALY -- oem from taiwan, formulated from italy.Shampoo,treatment,styling & perming product. 2.) GoCare -- oem from italy. hair Colour, shampoo,treatment,styling & perming products 3.) FEELING -- oem taiwan, formulated from JAPAN.shampoo,treatment,styling & perming products

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This is a professional hair products B2B marketplace, no matter what you want to buy or sell , D'VIAN SALON can suffice your needs.

For almost 30 years, We specialized in field of supplying hair . nail . face . body products and equipment too. Delivery Singapore Malaysia D'vian Salon Team

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Carrying wide range of hair care and styling products, hair growth ampoules.

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EXAMPLE : Bringing in Mario Badescu celebrity skincare to Singapore.

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For example : UV lamp,nail dryer,nail drill and so on ,with good quality and pretty competitive price.

Should you have any question,please do not hesitate to contact us. Looking forward to hearing from you soon. Best regards

F a c e . B o d y . M i n d

D'VIAN SALON
on behalf of 40going20.com, lalafashionclubhouse, spreelalaclub , scts group . It was clear that people wanted something different, something that was not frustrating, but easy — even fun!
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This Website offer current and discerning travel products, shopping, dining, hotel and culture recommendations..etc. To enjoy discount (CLICK ONCE Do not click away or out of topic selected) For best price offer, please direct contact officersshirechinsabahtravelstation@gmail.com or click skype/YM/msn to chat with our online customer service
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Payment mode : Singapore / Malaysia Bank Account .
IF you are from Singapore, we prefer OCBC / MAYBANK / POSB
ONCE YOU BANK IN - WE WILL ACKNOWLEDGE YOUR ORDER STATUS !!
ORDER WILL ONLY BE SHIPPED THE NEXT DAY AFTER SUCCESSFUL TRANSACTION.
IF YOU DO NOT RECEIVE THIS - PLEASE INFORM US ASAP.
Below price is arrive Singapore or Malaysia custom. Subject to local custom clearance 7% GST.**No worries with shopping with 40going20. We will absorb all the custom fees**
Self-Collection @ Clementi - West area - according to our reps officer schedule plan
With our experiences, postage not more than $6/pc- islandwide
**Malaysia residents**Buyer Price x 2.45
Customer may add www.singpost.com.sg - EMS rate or we are willing to offer our cargo helper rate - DHL /
PRIVATE consignee ... etc
FOR NEW BUYER !!!
Free membership : SILVER *UPGRADE FROM REGULAR MEMBER**
FREE MEET UP IF ABOVE SGD650 - and receive our STORE participants merchants SILVER member - discount card.
Below items are special quoted and imported price - not valid for further discount *** Nevertheless, we always treasure buyers with points reward system**
and discount or points earning @ participants merchants store. 40GOING20 MEMBER EARN POINT : Fashion COSMETIC BAG WALLET /PERRFUME OFFER : EARN 100POINTS EVERY SGD100. ACCUMULATE EVERY 1000POINTS TO REDEEM DISCOUNT SGD10
  • new merchant www.i-shoppingclub.com or http://40going20.bigcartel.com
membership card example :
Home‎ ‎ membership card

singapore & malaysia

LIFETIME

membership cards **Please request officers to update your account and original silver/gold card will be delivered to your house/office only. Replacement LOST card surcharge Rm20/$10.
[VIP-Silver] Purchase $120/Rm250 and above in 1 single receipt. 5% discount of instock item normal price only, excluding Nett price, sales and promotional items. Special pre-view on new items exclusively for you. Exclusive advance order. Valid for

LIFETIME

from date of purchase
**BIRTHDAY MONTH ENTITLE ANOTHER DISCOUNT 5% FOR NORMAL PRICE ITEM** .

[VIP-Gold] Purchase $300/Rm600 and above in 1 single receipt. 10% discount of instock item price only, excluding Nett price, sales and promotional items. Special pre-view on new items exclusively for you. Exclusive advance order. Gift with Purchase. Valid for LIFETIME from date of purchase. **BIRTHDAY MONTH ENTITLE ANOTHER DISCOUNT 5% FOR NORMAL PRICE ITEM**

LIFETIME

membership cards to suit all buyers convenient and satisfy our loyal customers.
PRIVELEGE MEMBERSHIP Be our members to receive latest products information , BEST VALUE / PROMO item off 10%-upto50% monthly alert estore online / facebook / forum / magazine / email. SPECIAL EVENTS : MEGA SALES FOR NON-MEMBER AND MEMBERS ANNUAL LUCKY DRAW FOR MEMBERS
http://40going20.blogspot.com participants merchants
SPECIAL !!!!!!! shop @ LALA FASHION CLUB HOUSE Free membership :
FREE MEET UP IF ABOVE SGD250 - and receive our participants merchants SILVER member - discount card.
FREE MEET UP IF ABOVE SGD450 - and receive our participants merchants GOLD member - discount card.
VALID TO USE ON PURCHASE REGULAR / NEW ARRIVALS ITEMS - WIDELY
Join us and be our fans on FACEBOOK to receive our new arrival, announcement, products updates, customer service officer will teach you how to shop, spend, earn, save, win vouchers, lucky draw, joining which spree to get freebies and so on ... !!
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International Skin/Hair/Body Care/Cosmetic Brands

Retail and Consumer Merchandise · Clementi, Singapore
International Skin/Hair/Body Care/Cosmetic BrandsInternational Skin/Hair/Body Care/Cosmetic

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  • Advertorial
  • Sponsorship
  • Banner Linking
  • Events
  • Model
  • If you wish to invite me to do an advertorial, attend your event & or review your product(s), feel free to drop me an email.

    Or if you do have any questions, I will be more than glad to help out.

    Looking for sponsors for:

  • Contact Lenses
  • Teeth Straightening
  • SKIN CARE
  • Slimming / HAIR / FACE CARE TREATMENT
  • HEALTH SUPPLEMENT
  • If you would like to see how we can work together, please email me @ SHIRECHIN@GMAIL.COM Thank you! i can be your private inspector review - 3rd party products/services upon request

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