My Oyster 123

Above is my recent order of Atomy products; consisting of Atomy Absolute Cell Active of 6 pieces. Plus 2 nice baby-pink boxes of mooncakes with 4 flavours, 2 boxes of Puer Tea and Absolute Spot Out Cream for my business partner, due to advance aging. Check out the cool video above.



This video above was taken before the pandemic, during happier times, where people could roam around freely without wearing a mask nor fear of contracting Covid-19. It was taken during a performance by Caucasians, for obvious reasons, as it was an international musical entertainment during our short holidays.



The afore video was shot at Gurney Hall in Gurney Plaza, a premier shopping mall in Penang. See the healthy food by Mr. Koo tonic (a medicinal substance taken to give a feeling of vigour or well-being) soup. Apparently the herbs and chicken drumstick are double-boiled to infuse the flavors into the water to become delicious soup.

View this post on Instagram

A post shared by DTan (@philin135)

Here is a Sunday Blessings of a nice Insta picture.

View this post on Instagram

A post shared by DTan (@philin135)

Happy Mid Autumn Festival. One can only order at the most 2 boxes of mooncakes each. It has cappucino, low sugar lotus seed, pandan and lotus seed with an egg yolk flavors. I purchased 2 boxes to give to my mom and church friend, and also to myself. It is freshly made with care in Malaysia, with quality control. Each box is about RM 83, which is almost double that in the market. But for the convenience of delivering right to my place, I don't mind paying premium price for this.

View this post on Instagram

A post shared by DTan (@philin135)

Here is a snapshot of the Atomy Absolute Cellactive set,retailing for RM 880. The market price for similar products using SK-II or other branded cosmetics would have been in the range of RM2k or more. But at Atomy, it is only RM 880, which is a great bargain. As an agent for Atomy, you can contact me at 0111-6694988 with free membership, free registration, no monthly minimum order, no monthly maintenance and no nothing. Just spend using your Atomy e-commerce shopping mall platform to earn cash back.

Women’s jewelry is often saturated with insipid and unsophistically designed forms that are paraded as glamorous and stylish pieces. Some of the most unrefined designs in many jewelers’ selections are women’s diamond bracelets. While several jewelers fill their showcases with gaudy and brazen pieces, the master craftsmen at Avianne & Co. have over the past twenty years developed an exquisite gallery of elegant and refined women's jewelry whose designs are based on traditional principles and an extensive design process that pushes those principles to their boundaries.

The New York City-based Avianne Jewelers have used their decades of experience to come out with an extensive array of fine diamond jewelry. The newest addition to their constantly expanding collection is the women's diamond bracelet, made from 14k white gold and brilliantly cut diamonds with the 4 'C's taken into careful consideration: carat, colour, cut and clarity. You can check out their blog at Avianne & Co. Blog for more information.

Unlike their competitors, the jewelers at Avianne & Co. aim to design and produce the most exciting and original pieces in the industry. They also offer custom-made pieces with designs shown for your approval before casting into actual tangible jewelry. Their clients include celebrities with the likes of the flamboyant Nikki Minaj, amongst others. Coming from a humble background, Nikki has certainly made good and made a name for herself as one of the most well-dressed personalities in Hollywood. She has a matching Rolex Women's Diamond Watch for any special occasion like being a former judge at the eponymous American Idol 2012 season.

I love her fashion style, what more with matching wigs of various colors for different settings that brings out her beauty. Diamonds are a girl's best friend for sure, and matching some sophisticated genuine diamonds with your clothes will bring out the elegance and haute couture in any person.

Women’s jewelry is often saturated with insipid and unsophistically designed forms that are paraded as glamorous and stylish pieces. Some of the most unrefined designs in many jewelers’ selections are women’s diamond bracelets. While several jewelers fill their showcases with gaudy and brazen pieces, the master craftsmen at Avianne & Co. have over the past twenty years developed an exquisite gallery of elegant and refined women's jewelry whose designs are based on traditional principles and an extensive design process that pushes those principles to their boundaries.

The New York City-based Avianne Jewelers have used their decades of experience to come out with an extensive array of fine diamond jewelry. The newest addition to their constantly expanding collection is the women's diamond bracelet, made from 14k white gold and brilliantly cut diamonds with the 4 'C's taken into careful consideration: carat, colour, cut and clarity. You can check out their blog at Avianne & Co. Blog for more information.

Unlike their competitors, the jewelers at Avianne & Co. aim to design and produce the most exciting and original pieces in the industry. They also offer custom-made pieces with designs shown for your approval before casting into actual tangible jewelry. Their clients include celebrities with the likes of the flamboyant Nikki Minaj, amongst others. Coming from a humble background, Nikki has certainly made good and made a name for herself as one of the most well-dressed personalities in Hollywood. She has a matching 14k Yellow Gold Women's Diamond Blue Zircon Ring for any special occasion like being a former judge at the eponymous American Idol 2012 season.

I love her fashion style, what more with matching wigs of various colors for different settings that brings out her beauty. Diamonds are a girl's best friend for sure, and matching some sophisticated genuine diamonds with your clothes will bring out the elegance and haute couture in any person.

Women’s jewelry is often saturated with insipid and unsophistically designed forms that are paraded as glamorous and stylish pieces. Some of the most unrefined designs in many jewelers’ selections are women’s diamond bracelets. While several jewelers fill their showcases with gaudy and brazen pieces, the master craftsmen at Avianne & Co. have over the past twenty years developed an exquisite gallery of elegant and refined women's jewelry whose designs are based on traditional principles and an extensive design process that pushes those principles to their boundaries.

The New York City-based Avianne Jewelers have used their decades of experience to come out with an extensive array of fine diamond jewelry. The newest addition to their constantly expanding collection is the women's diamond bracelet, made from 14k white gold and brilliantly cut diamonds with the 4 'C's taken into careful consideration: carat, colour, cut and clarity. You can check out their blog at Avianne & Co. Blog for more information.

Unlike their competitors, the jewelers at Avianne & Co. aim to design and produce the most exciting and original pieces in the industry. They also offer custom-made pieces with designs shown for your approval before casting into actual tangible jewelry. Their clients include celebrities with the likes of the flamboyant Nikki Minaj, amongst others. Coming from a humble background, Nikki has certainly made good and made a name for herself as one of the most well-dressed personalities in Hollywood. She has a matching diamond bracelet jewelry for any special occasion like being a former judge at the eponymous American Idol 2012 season.

I love her fashion style, what more with matching wigs of various colors for different settings that brings out her beauty. Diamonds are a girl's best friend for sure, and matching some sophisticated genuine diamonds with your clothes will bring out the elegance and haute couture in any person.

I love pets, especially small dogs like pomeranians, dachshund, poodles, chihuahua, and the like. Small toy dogs are easy to keep and they make good pets. I used to spend eons of time at my aunt's house and playing with her 2 dogs. She has a big garden for the dogs to run around and exercise their limbs.

Don't you just love Cavalier King Charles Spaniel puppies at Cavoodle Puppies for Sale? The ubiquitous brown and white fur of these dogs are so fluffy and they are adorable looking pets. Makes a good companion for a lonely soul or singles with busy lives. It helps to de-stress when one keeps a close pet for comfort and as a companion. As I am born in the year of the dog, hence, I love all things related to dogs.

On the other hand, if you need home loans, just check out Home Loans Christchurch. For the record, I just got my home loan approved last month after 1+ months of waiting and frequent correspondences with the banks. Nowadays, it is very difficult to get a home loan and banks are much stricter at this period due to defaulting, bad loans and bankruptcy cases which are on the rise.



I almost gave up applying for a home loan when I found out that it was so difficult locally here, but persisted as I just refused to put all my money in the bank for low fixed deposit interests rates. Hence, to hedge against inflation, I decided to buy a property for rental income later on and also for investment. The condo should be ready by 2018 and by then I will own 2 properties close by.

If you love to travel just like me, you can also check out Holiday Homes Auckland. By end of this year in December, I will be traveling to Europe during winter with my youngest sister and meet up with second sister before touring 7 nations by coach, namely United Kingdom, France, Belgium, Switzerland, Austria and Italy.

Most probably will spend Christmas in Vatican city and have lunch there. This is the most expensive tour package that I have booked and just hope it justifies my expenditure. I really hope to have a good time there, visiting places of interests. Also, it might be the last time I spend trips overseas with my sisters as I have to save up some money for my rental property, to be completed in a couple of years later. This is the motivation of working hard for my money, offering virtual assistance on the sideline besides a full time income as an IT executive in a home office.

I also travel frequently in my job, shuttling between Penang and Kuala Lumpur by car with my colleague. Hence, it is better not to have children for the freedom to do the things that I love. In the meantime, you can also browse high view apartments in New Zealand.

personalfinancearticle.net

Credit cards play an important role in our lives and are indispensable. They are a part of our lives more than we think. Practically majority of our purchases are made via credit cards. No longer do we need to carry thick wads of cash in our purses anymore just to buy expensive items like cosmetics, washing machine, microwave oven, overseas holidays and such. All it requires is just our signature on the payment slip and the transaction is confirmed. We also don't have to count lots of cash to make sure they are correct before paying to the sales girl at the supermarket counter.

The transaction is easy peasy and convenient to check against the payment slip. This is how things are speed up. For your information, there are 10,000 credit card transactions made around the world every second! This is an astounding figure! Hence, I cannot imagine life without using credit cards in this day and age.

With modern technology and instant bank transactions plus internet banking, most financial transactions can be made successfully in a jiffy across borders and different countries. Today, Americans have an astounding 609.8 million credit cards in their wallets. As a scenario, if all those credit cards were to stack up, they would create a tower 288 miles high.

Also, the benefits of carrying a credit card is the ability to redeem points after a period of time when the points have accumulated. We can redeem for gadgets, watches, cutleries, bed sheets, vouchers, perfume and much more. This is to encourage you to use your credit card more often and various credit cards offer different benefits. Some have cash back rewards, others have travel plans or petrol cash back.

On a personal note, I have 6 different credit cards, mainly by Citibank Platinum, HSBC Signature and HSBC Platinum, Hong Leong GSC card, Standard Chartered Infinite Card and RHB Travel card. I am footing the government service charge of around $50 per year. But for those staying in the US, there are various credit cards to compare for the best rates at Best Merchant Account Rates. You can click on the link given to find out more information.

There are many types of credit cards in the US such as Chase credit card or Bank of America credit card, amongst others. It is very convenient to carry just a slim card in your wallet instead of thick wads of cash to buy big items like a computer, fridge, washing machine, etc.

The transaction is fast and easy too. With just a swipe and your own signature, the credit card purchased item is approved and all you need is to settle the monthly statements sent to your house. The purchase can be done overseas too when you are traveling with your loved ones for a much needed holiday. This way, it protects your hard earned tangible cash from being stolen or pick-pocketed. You can cancel your card anytime with just a phone call away.

In the meantime, you can also check out Bank of America for more information.

Thanks for the post, Kathy Shelton

Even though I graduated from the University of Georgia, we ended up settling in Jacksonville, Florida. As everyone knows that is where the most famous Georgia/Florida game takes place each year. All four years that I went to UGA I travelled south to attend the football game. Some of the most fun times I had during college were when we would go in a big group down to the game. We would always start tailgating very early the morning of the game. I was in a sorority and my boyfriend, who later became my husband, was in a fraternity. We would hang out with all our friends and have such a great time. Now that I live in Jacksonville I don’t have to travel for the game. In fact, most of the time it is really hard to get tickets so we just watch the game on satellite television that we got through direct tv Jacksonville. That is the time of year that a lot of our old friends show up on our doorstep. They are mostly in the same boat as us with no tickets to the game. So we just have our own tailgate here at our house and try to relive the days when we were young and didn’t have a care in the world.

For those of you who love music and movies, you can go to Frostwire 5 - Download it now. I love watching movies and usually go to the cinema in the shopping malls for a good show. It is more expensive than watching on my laptop because of the surround 3D sound system and 3D images where you have to wear special 3D glasses on comfortable chairs. I get a 10% discount off the movie tickets due to my GSC Hong Leong Bank credit card which teams up with Golden Screen Cinemas for the promotion.

I watch a few shows a month, sometimes none at all if there are no titles that interest me. Normally I will go for Disney's shows, Pixar animated series or any heart warming flicks. I don't watch ghost, thriller or anything scary that may affect my sleep pattern.

If you are glued to your computer or laptop all the time, then Frostwire is the solution for you for your entertainment at home. I love working in a home office and have been doing it since February 2004. It is like being my own boss working in my pajamas without any colleagues spying or reporting me. My boss also trusts me to complete my work conscientiously at home and get the job done in a timely manner.

Christmas is less than a month away and many Christian companies are already getting some Christmas corporate gift ideas from the various web sites to present client Christmas gifts as a gesture of goodwill for their business. There are many cool corporate gifts that you can purchase from the internet in bulk for your staff, employees or corporate clients. Gifts like Christmas mugs with Santa's pictures or images of Christmas trees, crystals, photo frames, key chains, card holders, pen holders, Selangor pewter, perfumes, toiletries, Body Shop products, et cetera.

December is the most joyous time of the year with much merry making and laughter. Carolers sing carols at major shopping complexes to bring cheer to the shoppers. Santa Claus will be busy distributing sweets to the children and please the parents. I will most probably go to a mountain resort to chill out literally during Christmas. The hotel has been booked by phone and it was confirmed. You have to book early to get a place during this peak season which is more expensive than the usual charges.

When I was in Singapore many years back, Christmas means gift exchange over 8-course meal dinner in hotels or posh Chinese restaurants with relatives year after year. I love those times we were together to celebrate this festive occasion.

The Author of this post is Cheryl Martinez

Sometimes, being an adult is kind of a pain. I think back fondly to my time before mortgages and power bills. Obviously I didn’t appreciate the freedom I had back then while I could. I’m incredibly aware that the period of life I’m in now also contains a sort of freedom I won’t enjoy once I have children, so I’m doing my absolute best to make the most of this time I have now with my husband. The best part of being a young adult with no children is the ability to travel, and we’re doing our very best to do as much of that as possible. The bad news is, anytime we travel we feel a little like we’re leaving our house unprotected. Worrying about your house the entire time you’re trying to relax on vacation is completely counter-intuitive. For this reason, we recently installed a homesecurityfamily.com. We now know that our home is being protected while we’re away, and we are able to fully relax and enjoy the time we have together. It’s one of the best investments we’ve ever made.