Clinelle UV Defense Ultra Protection Mist Spray SPF50 PA++++

Thursday, January 18, 2018 in , , , , , ,

Do you wish hands on the highest sunscreen protection Mist Spray and to use it Anytime and Anywhere you wanted? This might be your most preferred sunscreen choice too! Introduce new launched Clinelle UV Defense Ultra Protection Mist Spray SPF50, PA++++ will be the first UV Mist Spray with 5-in-1 protection against UVA, UVB, Blue Light, Electromagnetic Radiation and Pre-Mature Aging. 

The only sunscreen product dedicated for face use that offers the highest level and most complete protection to shield against outdoor UV rays from sunlight and indoor UV rays emitted from technology gadget. 

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Valentines Gift Idea - ๐ŸŒŸ18K Gold Jewelries from Aurora Italia ๐ŸŒŸ

Tuesday, January 16, 2018 in , , , , , , , , ,

I believe that everyone deserves to be loved and also to receive gifts and present from your loved ones! Although Christmas festive season has passed, Valentines is coming in just less than 1 month! I bet every year all the couple will be having a headache and start to think about the gifts that they are going to give to your another half.

In today post, I will blog about this 18K Gold Jewelries from Aurora Italia. Aurora Italia is a premium jewelry brand that specializes in hand finished jewelry made of high purity gold. They have a wide range of charms and accessories. Not only that it was curated for ladies, but there are also charms that guy is suitable for! So just read on and see all the beautiful charms and design from Aurora Italia.
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My 2 Days 1 Night Staycation at The KL JOURNAL Hotel

Sunday, January 14, 2018 in , , , , , , , , ,

Before 2017 ends, The Butterfly Project have our first ever staycation with the butterflies at The KL Journal Hotel. Thanks to Traveloka for this wonderful opportunity for us to able to enjoy this short staycation before 2017 ends. This is a really great experience for us butterflies to gathering and has fun together among our communities! I would say this staycation is another level up of our journey with The Butterfly Project.

During our stay, we are staying at the KL Journal Hotel located at the center of KL. Within walking distance, you can walk to Bukit Bintang and Pavilion area, also it was really convenient where there's monorail for you to travel to some tourist spots too!


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Floral Red Pants Weekend Outfit #75

Thursday, January 11, 2018 in , , , , , ,

I am back again with my weekend outfit post on my blog! I have been slacking since the second week of the year. Scrolling a lot of Taobao looking for more outfit inspo and house decor inspo too. Although I have not been updating any post here, it was mainly because I been drafting one long post for another upcoming post too. I guess it has been stranded my frequent of updates my post here.

Since I have finally finished that long post and I will be updating another short weekend outfit post to keep my blog alive. And Yes there will be another long blog post coming up next too. Before that, I will like to update you guys about one of my favorite outfit I wear for the last month of 2017!
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Great returns in buying HDB flat

Monday, January 08, 2018 in , ,


House is the essential necessity for humans to get sheltered and safe. In Singapore, getting Housing Development Board (HDB) flat is one of the milestones in every Singaporean’s life but there are ways to generate side income from owning a HDB flat in the matured estate like Tampines or Queenstown. With right strategies, you can get your HDB to pay off your monthly installment or mortgage repayment costs. What is the rate of return for buying a HDB flat?

Given with these conditions (assumptions and estimations):

• HDB flat price: $500,000
• Initial equity: $100,000
• 10 years of loan tenure
• Average interest cost of 4% 
• Rental yield of 4%
• Average of HDB price appreciation of 6%

During the 1990s, historical rate of HDB flat appreciation is 6.85%. Now, we set the average HDB price appreciation at 6%.


Initial costs are projected at about $12,600. Buyer’s stamp duty of $9,600 for $500,000 HDB flat, estimated $2,500 legal fees and $500 for valuation fees. Given that the initial equity is only $100,000, this indicates that they must take a loan amount $412,600 from the bank. Meanwhile, maintenance cost for the residential property is estimated about $6,000. With property price appreciation, the rental income is set to align with the appreciation. Although it might not be true the rents could remain sticky. Property tax is calculated as per the AV of the HDB. This analysis implies that the internal rate of return (IRR) is 12.67% which means that the investment in HDB gives you returns of about 12.67% annually. Click here to calculate your affordability.


In this analysis, there are three main factors for the Internal Rate of Return (IRR) which are HBD price appreciation rate, rental yield, and interest rates. The biggest driver of returns here is probably the HDB price appreciation, this determines the ending terminal value of your HDB. As for the rental yield, it is the second helper that brings the return. You can call this as an assisting hand that pushes along returns, the higher the rental yield, the higher the overall returns. Lastly, the third factor is interest rates. It is particularly important as the loan you took to finance the HDB or condominium you have purchased. The incremental of the interest rate would not be on your favorable side. 

HDBs are indeed set to give you a higher returns. But, be warned that the high returns’ of HDB were based on historical numbers. Property prices increase over the years since our grandparents’ generations. The biggest question now is will HDBs continue to appreciate in value at 6%? And will the interest rates continue to stay? This is really a subjective answer depending on the current economic situation. 


According to National Development Minister Lawrence Wong, here are some potential HDB buyers are looking to buy HDB flats with Selective En bloc Redevelopment Scheme (SERS) but to dismay, Singapore Housing Development Board has clarified that not all old HDB flats will be entitled to SERS. Although we are hoping for some returns especially in the mature estates like Tampines. There are some concerns that some buyers are willing to fork out higher prices for older flats in hope to gain from SERS. A friendly advice for potential buyers to choose carefully the HDB flats and let’s not put high hopes to get disappointment in returns.


But don’t be disheartened from this, there are some ways to gain some returns. Let’s take for an example, a 30-year-old couple combines their monthly income of $5,000, looking to buy a resale HDB flat in Tampines stay near their parents. With the income ceiling fixed by HDB, they are entitled up to $75,000 grant off for their resale flat prices. With this, they should be easily afforded a flat with a lease 90 years. Then, 35 years later, the couple is now aged 65 years old and the remaining lease of the flat is 55 years. With that, the grown elderly couple can choose to sell their flat and ‘right-size’ to a two-room Flexi flat with a shorter lease, this is to enjoy the Silver House Bonus of $20,000 in cash and use their sale proceeds for retirement. Apart from that, whoever prefer to stay in the flat are able to apply for Lease Buyback Scheme. They may sell part of the remaining lease back to HDB and they also have the option to rent out. 

In conclusion, HDB flat is not only a good home for returns but also a safe for future retirement which the HDB is trying to achieve for all HDB house owner. 

 Till Then.








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