Looking forward

My younger son has gotten his driving license and driving my Persona around confidently. We are glad about that. This means that I have all the time to myself other than preparing lunch and dinner if anyone choose to eat at home.

I shall be 53 on my next birthday in November. If I were to live another 30 years, what should I do now to start a new life? In this era, to me, retiring is not the type of lifestyle that I shall applause. Living, is finding a means to move on. If I live in rural area, and do not require material things, I would just grow my own food, and raise my own poultry, and catch my own fish. Living in the city area, naturally, living is to find a means to earn money, and to exchange that for the food and material things that I require.

Thinking back 30 years ago, when I was 23 years old, I started my career as Software Engineer, and worked for 20 years, changing 5 jobs in that 20 years. Did I like my jobs? I wouldn't say 100%. Perhaps 30% of the time. Doing software engineering was really brain drained. And made me a machine thinking personality.

After that, in order to have more times for my 2 boys, I chose a flexible hour job as insurance agents, selling unit trust and do Will Writing for my customers. This allows me to have some income, though never worked hard enough to win incentive trips. Because it was not my priority.

Now, my two sons have grown up. I want to make a decision like when I finished my matriculation. What do I want to do for my next 10 or 20 or 30 years? I should know better than I was 18 years old.

At this age, I don't like to drive around, I don't like to approach new customers, I like doing things at home, I like baking, I like to do online shopping, ha2, perhaps I should try my hand on online business selling baked food like business.

Unit Trust With Dividend

The Bursa Malaysia is running high for a few years already. Most dividend funds are making money, distributing good dividend.  Before the dividend reaches the unit holders' hand, the taxable dividend already have its 20% taken off.

For those unit holders whose income has touched 20% tax bracket, it is really a loss, and rather have funds that don't distribute the dividend.

However, if you have large investment on dividend funds, it may be worth keeping track of the financial year for those funds. You can consider switching the funds to the money market fund that don't charge you initial charges to skip the day when the distribution is declared, and switch back the following day. This may save you from paying the 20% tax from the taxable dividend.

One thing is watch out is the terms and conditions for switching charges from equity fund to money market fund, and vice versa.

Sick Little Chick

This chick is another casualty. I found it sick and lying while the other chicks kept "accidentally" stepped on it.

I moved this poor chick away in a shoe box lined with newspaper. It didn't move much, trying to drink water and eating some feeds with great difficulty. Its head shaking. When I looked at it, it looked just like a baby, helpless. Several time I thought it was dead, but I could still see its body breathing. Poor little chick. It didn't even know who its mother was. Factory incubated chicks do not have the right to own their mother to take care of them from birth.

Another batch of chicken

We bought another 10 chicks on 24th June 2014. This species grow very fast. 30 o 45 days are big enough to slaughter. The chickens we raised have less fats in between the meat, and we can grow until they are mature enough to slaughter. As for those sold in the market, I think they are only slightly older than 30 days.

Day 1 on 24th June 2014

Day 2

Day 11

We lost 3 chicks. 2 chicks died because my husband didn't realize that there were 2 chicks covered by the newspaper while doing cleaning. LOL. While one disappeared into the long grasses as we have not asked people to lawn the backyard for quite sometime.

Hair Drop and Hair Relax

My hair has been frizzy since young. I started to do hair rebonding since 10 years ago. 3 years ago after I had my hair rebond done, my hair started to fall off. I suspected that the hair dresser must have not done it professionally. After that I did not dare to have my hair rebond anymore.

However, my hair has been frizzy. The only way to tidy my hair easily was to pull my hair back and tied it tightly. I felt that my scalp was hurting after a while. I think this must have contributed to hair loss. My hair was all over the floor. Where you saw hair on the floor, you know that I was there for a while. Sounds terrible.

My previous visit to a new saloon in Karamunsing Capital to do hair treatment led me to do hair relax. Rebond makes your hair flat on your scalp, while Relax has more natural look on the hair. The young stylist,Kit, encouraged me to do this, and I complied. He charged me RM180 including hair cut. The result came out well.

Kit examined my hair follicle and commented that there are 3 strand of hair in each follicle. He noticed that my hair follicle on the crown has short hair, meaning to say that my hair loss was severe on the crown, which I agreed because I can notice my hair is thinning on the crown. He went on to recommend me to use the hair growth lotion to improve my scalp and to stop hair fall. Since I think my problem was mainly due to pulling of my hair too tight, I did not buy the tonic, but to monitor on the situation. Of which, after a month, I noticed much lesser hair fall off.

Kit also recommended that I should only dye my hair once every 3 months instead of monthly. I don't quite agree as hair is dead. The only precaution is to avoid hair colour to touch the hair follicle. I always go to a home saloon where the lady only charges me RM5 if I bring my own hair colour. Perhaps I should come back to Kit as his helpers are much younger than my home saloon lady, and have steadier hands to work on my hair.

Using Retacnyl treatinoin 0.025% on Pigmentation

The Dermatologist prescribed me with Retacnyl Treatinoin 0.025% to apply on my face. I am to use it at night and to wash it off the next morning. This will lighten the facial color and to rebuild collagen to reduce fine lines. In order to ensure my skin can tolerate the cream, the doctor wants me to use it on alternate night for the first week. If that goes well, I shall use it every night and wash it off the next morning. After 2 weeks, I can request for another cream to dot on the age spot. My skin may become dry or flaky. I am reminded to put on sun block at least twice a day, or every 3 to 4 hourly. Should I go under the sun without sun block, the efforts of using Rectacnyl would be null. He told me that the age spots will be darker because the areas without spots will become fairer, thus cause the spots to look darker.

There are two noticeable spots on my right leg. Dr said he can burn them away but I want to see how my face react to the cream first.

I am so concerned with the sun exposure I am getting everyday as everyday has been so sunny and so hot. My sister doesn't seem to bother and she even purposely expose to the sun saying that it is good for strengthening bones.