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Showing posts from December, 2011

Christmas

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I just want to share my Christmas service.

Christmas at United Christian Church of Dubai (UCCD).
No decoration at all.

And the sermon went something like this:

Christmas is to remind us of the deeply disturbing, the ugly: our sins.
No one deserves Christmas.
If we realize we are sinners, then indeed, merry is the news of Christmas. The one who we should be saved from is the one who saves us: Christ.

My effort to hold my tears almost would not let me sing "Amazing Grace" after the sermon. Why can't Christmas be celebrated like this every year, in the whole world?

Lord, have mercy on us. Kyrie, Eleison.
Christ, have mercy on us. Christe, Eleison.

My HG Facial Wash

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Because this is a blog belongs to an acne prone wife, I think it's about time I talk about acne :)

I had to say goodbye to clear skin since the last year of senior high school. My acne started to run havoc on my face since I was around 17. Since then, I have tried to get rid of those bumps by getting drugstore products, seeing the doctor, going to skin clinic, etc. They sometimes got better, they sometimes got worse. But I would consider my acne mild. It's nothing a little powder cannot cover ;)

Anyway, in these last couple of years, I have found an HG (holy grail) facial wash that has kept my acne at bay. May I present: Himalaya Herbals Neem & Turmeric Soap.

Image is from the website
Gently cleanses. Keeps skin soft & smooth.
Fortified with Azadirachta indica (Neem) and Curcuma longa (Turmeric) that remove problem causing bacteria and protect your skin keeping it refreshed and healthy.

It is not specifically designed for facial wash, but when I first bought it in Singapor…

Retirement Fund

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I know that in Money Talks I said I wanted to talk about Emergency Fund first. But after thinking it through, I think I'm comfortable with first talking about Retirement Fund.

Note: This post will talk about money in IDR currency.

Everyone plans to retire someday, right? To be able to enjoy your senior years without struggling about work and money anymore. Now, let's do some math with the help of http://tujuanloapa.qmfinancial.com

Please click it for bigger image.

So if I am now 28 years old, and I want to retire working at 55 years old, and I expect to live until 80 years old, that means I have 25 years of enjoying my retirement life. The problem is I will still have expenses, right? And because I will have retired, I will no longer have income.

25 years of having to spend for expenses without income. Oh no.

Perhaps you will say that it will be easy because by then we will already have saving. So now, let's calculate how much we need for that 25 years of my retirement life, sti…

Customer Service WHAT?

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Have you ever been disappointed by how a company/store serves customers? In the past I had some complaints about this and that, here and there. Especially in Dubai, everyone seems to have a bad temper. Store keepers are usually very snappy and rarely say thank you. I had disappointments, but never bitterness, until yesterday.

Yesterday I went to a branch of HSBC in Deira, Dubai to cash my hard-earned-first-ever check (from my first freelance job - I will talk more about that in another post).

That's the building. But I grabbed the image from here.

I walked in the big building, confused which counter to go, then asked the receptionist. The beautiful receptionist did not so much as look at me while answering my question with mumbled words. I grasped only a part of what she said, and decided to look for the counter myself.

I found the counter, got a queuing ticket. A man behind a counter was available and he called me. I showed him my check, and he mumbled something, pointing at the back…