Further to my research no matter the return, fund management fee etc…Finally, I decide to transfer all the Mandatory contributions from my current MPF fund house to BTC. Hope that it can bring me to earn more for my retirement.
2013年1月6日 星期日
Reconstruct MPF Portfolio
Is time to reconstruct my MPF portfolio. Since MPF Employee Choice Arrangement had been launched I decide to transfer all the Mandatory contributions to my favorite fund house.
2013年1月5日 星期六
Elemis X'mas set @ 2011
呢set Elemis X'mas set 其實係2011年聖誕時買的，次次都係買左放左成年之後先至可以拎返出嚟用。因為外國網購護膚品的網站全部都唔ship Elemis 的產品到香港，所以我又少了一個途徑買到平價的Elemis，好在我一路買開護膚的水貨店都有Elemis賣 (起Joyce Beauty 買Eelemis 實在係貴到買唔落手)，我買Elemis主要係想試下係人都讚好用的超貴護膚品Pro-Collagen Marine Cream & Cellular Recovery Skin Bliss Capsules 呢兩個產品都係Elemis的皇牌產品。
本來我係想買另外一set 只有Pro-Collagen Marine Cream & Skin Bliss Capsules (呢set 係product size $1,800)，個sales 問我係咪已經用過呢個產品，我答無用過想試，佢話未用過就買我依加呢set，因為呢set 有齊呢兩件皇牌產品都只係$600，佢叫我試左呢兩件產品如果真係岩我先至買product size 個set，佢話如果唔岩用都唔駛嘥左d錢，佢又講得幾有道理，其實呢set 野真係超低用，只係$600就有齊以下六件產品，面部及身體護理產品各3件。
本來我係想買另外一set 只有Pro-Collagen Marine Cream & Skin Bliss Capsules (呢set 係product size $1,800)，個sales 問我係咪已經用過呢個產品，我答無用過想試，佢話未用過就買我依加呢set，因為呢set 有齊呢兩件皇牌產品都只係$600，佢叫我試左呢兩件產品如果真係岩我先至買product size 個set，佢話如果唔岩用都唔駛嘥左d錢，佢又講得幾有道理，其實呢set 野真係超低用，只係$600就有齊以下六件產品，面部及身體護理產品各3件。
- Papaya Enzyme Peel 50ml (Full Size)
- Cellular Recovery Skin Bliss Capsules 14 caps
- Pro-Collagen Marine Cream 30ml
- Frangipani Monoi Shower Cream 50ml
- Skin Nourishing Milk Bath 125ml
- Frangipani Monoi Body Oil 35ml
Elemis~Cellular Recovery Skin Bliss Capsules
現在天氣咁乾燥而我的皮膚係極乾性缺水皮膚，所以起冬天都幾難搞，今年比起往年更加努力咁搵一D 補濕度極極極高的護膚品，無法啦年紀大了皮膚的質素係隨之而下降。
今次終於都可以試到我一直好想試的產品Elemis~Cellular Recovery Skin Bliss Capsules，其實真係想買佢嚟試好耐，不過佢實在係太貴，又唔知係咪真係有效所以唔係咁捨得買。
一次偶然之下我買了一SET 聖誕SET 入面有齊我想試的貴價產品。Elemis~Cellular Recovery Skin Bliss Capsules分為早晚兩種，早上用紅色魚仔；晚上用綠色魚仔。唔同顏色的魚仔有著不同的功效，而且成份亦完全唔同。
紅色係瑰致，綠色係薰衣草。魚仔入面的護膚品係油狀的質地，亦都係我的至愛。雖然係油狀搽上面唔會笠，推幾下就被我乾涸的皮膚完完全全地吸收晒，我為了測試咁個魚仔有幾掂我已經兩日無敷MASK 只係靠佢睇下佢捱到幾耐。魚仔配搭埋Pro-Collagen Marine Cream 真係好掂的配搭，用完佢之後上粉都幾貼，面上浮粉的情況改善，佢個滋潤到都幾高，只係價錢比較貴...
今次終於都可以試到我一直好想試的產品Elemis~Cellular Recovery Skin Bliss Capsules，其實真係想買佢嚟試好耐，不過佢實在係太貴，又唔知係咪真係有效所以唔係咁捨得買。
一次偶然之下我買了一SET 聖誕SET 入面有齊我想試的貴價產品。Elemis~Cellular Recovery Skin Bliss Capsules分為早晚兩種，早上用紅色魚仔；晚上用綠色魚仔。唔同顏色的魚仔有著不同的功效，而且成份亦完全唔同。
紅色係瑰致，綠色係薰衣草。魚仔入面的護膚品係油狀的質地，亦都係我的至愛。雖然係油狀搽上面唔會笠，推幾下就被我乾涸的皮膚完完全全地吸收晒，我為了測試咁個魚仔有幾掂我已經兩日無敷MASK 只係靠佢睇下佢捱到幾耐。魚仔配搭埋Pro-Collagen Marine Cream 真係好掂的配搭，用完佢之後上粉都幾貼，面上浮粉的情況改善，佢個滋潤到都幾高，只係價錢比較貴...
魚仔入面的護膚品係油狀的質地
2013年1月4日 星期五
anumi
塊面乾到好得人驚，所以近呢幾個月我成日都起度研究有D 咩產品可以急求一下我塊面，無法啦，塊面係要見人，人地望到我塊面甩晒皮又浮粉，嚇都嚇死人啦。
早排睇雜誌見到有一個全天然成份的護份品賣廣告~anumi，第一眼見到個廣告有少少心動，好想買嚟試，日子耐了又遺忘了，今日唔覺意去行下萬寧，無意中見到有個counter，於是咪走埋佢睇下啦，睇睇下有個ba 走埋晒sell我，我見佢介紹佢地皇牌三寶比我時，其中煥肌奇妙再生精華係油嚟，我聽到佢質地係油我對眼又發光，唔知點解我好鐘意用油狀的護膚品，唔知呢！成日都覺得油係會比較滋潤。
試上手，產品都幾潤，加上成份真係好天然，而產品亦都係用蘆薈汁來生產，只係略略睇下佢個成份，都覺得ok，加上產品是於澳洲生產，所以就更加放心購買。
試完個質感後我決定買煥肌奇妙再生精華$550，個ba 話依加買再件產品即時有75折，我當然唔執輸即時買多件產品，拎最大的優惠啦。
個ba 明明話我知如果享用左75折就唔會有pack sample送，所以個ba 額外再送左兩個sample 比我試，但係我去付款時找銀又送左pack sample比我喎，所以即時抵晒！
個ba 話由於產品成份天然，無有防腐劑，所以存放期比較短，一年之內要晒。
早排睇雜誌見到有一個全天然成份的護份品賣廣告~anumi，第一眼見到個廣告有少少心動，好想買嚟試，日子耐了又遺忘了，今日唔覺意去行下萬寧，無意中見到有個counter，於是咪走埋佢睇下啦，睇睇下有個ba 走埋晒sell我，我見佢介紹佢地皇牌三寶比我時，其中煥肌奇妙再生精華係油嚟，我聽到佢質地係油我對眼又發光，唔知點解我好鐘意用油狀的護膚品，唔知呢！成日都覺得油係會比較滋潤。
試上手，產品都幾潤，加上成份真係好天然，而產品亦都係用蘆薈汁來生產，只係略略睇下佢個成份，都覺得ok，加上產品是於澳洲生產，所以就更加放心購買。
試完個質感後我決定買煥肌奇妙再生精華$550，個ba 話依加買再件產品即時有75折，我當然唔執輸即時買多件產品，拎最大的優惠啦。
個ba 明明話我知如果享用左75折就唔會有pack sample送，所以個ba 額外再送左兩個sample 比我試，但係我去付款時找銀又送左pack sample比我喎，所以即時抵晒！
個ba 話由於產品成份天然，無有防腐劑，所以存放期比較短，一年之內要晒。
呢set 係送個pack sample，入面都有6樣野
Academic freedom vow (鄭重宣告) as new university nears
The Chinese University of Hong Kong (Shenzhen) moved a step closer (note 1) to reality (現實) with a groundbreaking (動土) ceremony at its Longgang site yesterday.
Some of the dignitaries (高官/要人) attending the ceremony were Guangdong Provincial Committee secretary Wang Yang, Shenzhen mayor Xu Qin, Chief Secretary of Administration Carrie Lam Cheng Yuet-ngor, education secretary Eddie Ng Hak-kin, Chinese University vice chancellor Joseph Sung Jao-yiu and Mona Fong Yat-wah, chairwoman of the Sir Run Run Shaw Charitable Trust.
The site a located on the outskirts of (note 2) northeastern Shenzhen, in area of around 100 hectares (公頃). Both Hong Kong and mainland students will be admitted. It will be independently financed (note 3) with no cross-subsidy from the Chinese University of Hong Kong.
The main sources of operating income will come from tuition fees, donations, subsidies from the Shenzhen municipal government and other subsidies for scientific research.
Its executive board will be its governing body, to be chaired by the vice chancellor and president of CUHK and to comprise eight members, each nominated by CUHK and Shenzhen University. The chair man will have a casting vote (note 4). The president of CUHK (SZ) will be responsible for management, under the leadership of the executive board. Speaking at the ceremony, Sung said academic freedom (note 5) will be evident (明顯的) in the campus.
“We should ensure that there will be academic freedom. I believe both parties will follow the agreement we have made.” Applications for admission will commerce from as early as next year (note 6). Professors and instructors currently in the CUHK will not be asked to teach in the mainland.
Lam said more such exchanges between Guangdong and Hong Kong may take place. The proposed instruction will be bilingual-Chinese and English-and emphasis will be placed on general and college education.
(note 1) moved a step closer=向前邁進了一步。First mover=先著，先走棋者。make a move=動；(準備) 出發。On the mover=一直在動；開始活動；事件正在發展。
(note 2) on the outskirts=在城市邊緣 (in the areas that form the edge of a town or city)。clear Victor's skirts=為Victor洗去恥辱；表明Victor 清白無辜。
(note 3) independently financed=非政府支持 (not given any financial help from governments)。independent of one's parents=不倚賴父母。Independent thinking=獨立思考。
(note 4) the casting vote=決定性的一票 (a single vote given by the person in charge of a meeting if the number of votes about something is equal, and which therefore decides the matter)。A cast of the net=撒一次網。
(note 5) academic freedom=學術自由。Freedom of the press=出版自由。
(note 6) as early as next year=最快於來年。It is early days yet (to make up one’s mind)=(要下決心) 現在還為時過早。
2013年1月3日 星期四
Dark days face diabetics (糖尿病) blind to retinopathy risk
More than half of diabetes patients do not realize (note 1) that one of the complications of the disease may cause blindness (盲).
That is the stark truth (note 2) about diabetic retinopathy (糖尿病視網膜病變), though early treatment and medication may effect a cure in 90 percent of cases.
Hong Kong Ophthalmological (眼科) Society president Nancy Yuen Shi-yin said diabetes is a major health problem ( note 3) and diabetic retinopathy is fast becoming on the main causes of blindness in the territory.
But more than 60 percent of diabetics have no idea about (note 4) related retinopathy or its symptoms (症狀), a 2010 study by the society found.
“About 10 percent of the population are diabetic, of whom 40 percent may also suffer from diabetic retinopathy, which can cause vision damage (note 5) or even blindness, “Yuen said. The risk of severe forms of diabetic retinopathy grows with age, the noted eye doctor said.
“While Hong Kong is comparatively (對比地) well off, people still run the risk (note 6) of losing their sight due to the disease. An average of 200 diabetics have become blind annually in recent years.”
Diabetic retinopathy is almost totally symptom-free (沒有症狀) in the early stages. The disease only becomes apparent (表面) when patients experience bleeding in the eyes or blurred (模糊不清) vision.
Calling on all diabetics to get their eyes checked once a year, Yuen said: “Early detection may reduce the chances of developing severe visual problem by up to 90 percent.”
Besides seeking medical help and undergoing (經歷) surgery if need be, Yuen also advises retinopathy patients to exercise regularly and keep a balanced diet so that their blood glucose in under control as “fighting against diabetic retinopathy is a long battle.”
(note 1) do not realize=不太了解。例句：More and more Hongkongers believe CY Leung and his team do not realize that people are unhappy.
(note2) start truth=完全的，全然的真相。Victor gave a stark denial to the rumor=Victor對謡言加以完全的否認。例句：Economists opine that the mainland is facing the stark truth of a hard landing in the near future.
(note 3) a major health problem=主要的健康問題。例句：Almost all Hong Kong people are living with extreme stress-this stress is contributing to some of their major health problems.
(note 4) have no idea about=毫無頭緒。例句：Personally, I have no idea how radical democratic lawmarkers can secure adequate votes to win in an election.
(note 5) cause vision damage=損害視力。例句：Inappropriate care and cleaning of contact lenses can result in blurring of vision. If these eye problems are not detected and treated early, they may cause vision damage and even blindness.
(note 6) run the risk=冒險。Risk one’s fortune or life=拼著財產、性命。例句：After the High Court’s clearance order, the “Occupy Central” movement participants attempted to continue their protest at a plaza beneath the HSBC headquarters, but they ran the risk of being forced out by the HSBC security guards.
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