When you’re in a rush and have very little time to put on your makeup, why not just for for some gloss on your lips? It’ll always do the trick. Try Beauty Rush’s Poptimistic Lip Gloss Palette.

These lip limited edition lip gloss is sure to put a sweet, shiny smile on your pretty face. The palette pops in big, bold, totally rad 80s inspired graphics. Even without proper light fixtures, your smile will still manage to light up a place! Definitely a must haves item. :-D

I wonder if there’s any male reader who reads this little blog of mine. But if there is (yes, I’m talking to YOU).. I have a question for you.

Have you planned a gift for her this Valentine’s Day?

I know it’s still too early, and you probably don’t celebrate Valentine’s Day as well (since Valentine’s Day is getting more and more too commercial these days).. but instead of getting her those electronics stuff, why not get her a Victoria’s Secret Pop Beauty Day To Play Clutch?

This on-the-go color library gives you essential eye hues to take you from light to dark, dusk to dawn and office to party, without missing a beat. Includes 18 eyeshadows, triple-milled for foolproof blending; from shimmer taupe to electric teal you can’t go wrong, so go ahead and play!

This baby goes for about RM270 in Malaysia. Perhaps I should try getting my other half to buy me one as well..? *hee*

A Good Reason

The best reason for taking out a policy is that it will leave your dependants with money to meet expenses, bills and living costs in the period after your death. In fact, it is the only really valid reason for taking out life insurance. What that means is that, if you don’t have dependants, if your children are all grown and your partner earns enough to live, for example, you should seriously consider whether you need the extra cover. An issue connected to this is that you should almost never buy life insurance for groups such as children, who are without dependents themselves. They will benefit far more from you buying more insurance for yourself.

A Bad Reason

Some people buy life insurance as an investment, particularly as a way of leaving an extra sum to beneficiaries of their wills. Although you can do so, it is not particularly effective in this regard, providing a very poor return on investment over the long term.

What Do You Need?

A great many people buy more than they need. Consider honestly how much your partner, children or other dependants would need when buying life insurance. Consider too whether you really need a whole life plan. If your children will be grown ten years from now and fending for themselves, might a ten year plan not be a better bet? In particular, avoid separate accidental death insurance when selecting a policy. If you have enough life insurance anyway, then extra money in the event of your accidental death achieves nothing but higher premiums.