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The Ultimate Retirement Planning Tool: A Guide to Personal Capital Retirement Calculator

Planning for retirement can feel overwhelming. With so many unknowns and variables, it can be difficult to know where to start.

Good thing, there are tools that can help you make smarter retirement decisions. One of these tools is a Personal Capital Retirement Calculator.

But, what exactly is it? How can it aid you in planning for your future retirement?

Keep on reading as we break down how this tool can help you plan your retirement with ease.

How the Personal Capital Retirement Calculator Works

The Personal Capital Retirement Calculator is a user-friendly tool that helps you determine how much money you’ll need to save for retirement. It takes into account various factors such as:

Your current savings
Expected retirement age
Lifestyle goals

Simply input your information, and the calculator will provide you with an accurate projection of your retirement savings. This way, you can see if you’re on track or if you need to make adjustments.

Benefits of Using the Personal Capital Retirement Calculator

Utilizing the Personal Capital Retirement Calculator offers a number of benefits. This includes:

Accurate Savings Projections

One of the biggest advantages of using this calculator is its accuracy. Unlike generic retirement planning tools, the Personal Capital Retirement Calculator provides personalized savings projections based on your unique financial situation.

This allows you to make informed decisions about your retirement savings. It also gives you peace of mind knowing that your financial future is secure.

Easy to Use

The calculator is designed to be simple and easy to use, even if you’re not a finance expert. Just enter your information, and the tool does the rest. There’s no need to worry about complicated formulas or confusing jargon.

This makes it accessible for everyone, regardless of their financial knowledge.

Comprehensive Retirement Savings Guide

In addition to providing accurate savings projections, the Personal Capital Retirement Calculator also offers a comprehensive retirement savings guide. This guide includes:

Personal finance tips and strategies
Valuable information on investment options
Potential risks to consider

Whether you’re just starting out or nearing retirement, the guide can provide valuable insights to improve your financial planning.

Understanding Taxes in Retirement

When planning for retirement, it’s important to consider how taxes will impact your savings. Different types of income are taxed differently. With taxes in retirement explained, you can better prepare for the tax implications of your retirement income.

The Personal Capital Retirement Calculator takes taxes into account. By factoring in tax rates and potential changes, you can get a more accurate picture of your retirement savings. This will help you make more informed decisions about your retirement planning.

Exploring the Use of Personal Capital Retirement Calculator

The Personal Capital Retirement Calculator is the ultimate tool for individuals looking to plan for a secure and comfortable retirement. With its user-friendly interface and detailed analysis, you can confidently make informed decisions about your financial future.

So, what are you waiting for? Take control of your retirement and sign up for Personal Capital’s retirement calculator today!

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Latest WFH internships posted from 17 to 20 June 2024

We’ve got the latest WFH internship opportunities for you this week and they are in these areas:

Accounting
Video Production
PR & Social Media

… and more!

Have a look and apply if you think it’s a fit.

#1: Cleantech Solar – Accounting Intern

Website: cleantechsolar.com

Allowance / Remuneration: $800 – 1,200 monthly

Job Qualifications

Not specified.

Key Responsibilities

Hands-On Experience: Dive into the center of operations in Thailand, Indonesia, Malaysia, Singapore, and Vietnam, gaining invaluable hands-on experience and making a real impact from day one.
Financial Standards: Stay connected with a range of Financial Reporting Standards (FRS) across Southeast Asia, expanding your financial expertise and staying ahead of the curve.
Transfer Pricing: Experience the procedure of setting fair prices between related parties using the arm’s length principle through hands-on transfer pricing documentation.
Financial Management: Assist in executing month-end and year-end closings, while also contributing to the preparation of monthly and yearly financial statements.
Innovation Driver: Engage in driving automation and digitalization initiatives, including ERP system implementation, to enhance financial insights and streamline reporting processes.
Decision-Making Support: Assist in preparing key decision-making tools for management, utilizing your analytical skills to drive strategic business decisions.
Other ad-hoc tasks

How to apply?

View the job post in full here and apply for this position by submitting your text CV using InternSG or emailing to [email protected].

#2: Learns Marketing – Video Production Intern

Website: learnsmarketing.com

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

You have the initiative to do things that you think are right for the company and yourself
You are yearning to learn to use all forms of cameras and gimbals, lighting, and audio equipment
You are keen to hone your skills in video editing
You can work as a team during shoots, yet independently while working from home
You should dislike working in offices and during office hours… yup, no typos here

Key Responsibilities

Brainstorm video content with the Creative Director
Be involved in shoots as a Camera Operator
And if you want, you can even be in front of our cameras to be the star that you always wanted

How to apply?

View the job post in full here and write to Colin via this link.

#3: Craft Communications – Public Relations & Social Media Assistant

Website: craftc.com

Allowance / Remuneration: $800 monthly

Job Qualifications

Marketing, Business, Communications, Arts & Social Sciences students are preferred, but applicants of other disciplines possessing strong communication skills will also be considered
A good command of English is key to this role
Proficient in Microsoft applications
Good team player with strong coordination and administrative skills.
Good communication and interpersonal skills.
Able to start at the earliest possible.

Key Responsibilities

Assist the team in providing public relations, marketing, and social media support
Understand clients and be involved in helping to create and execute strategies that are designed to achieve client’s objectives
Additional support will also be required of the intern in the following areas: managing databases, events, media clippings and reports, media pitching, managing marketing promotions, PowerPoint presentations, prospecting and business development, and more.
Real Work. This is not a walk in the park and the team’s pretty much self-sufficient when it comes to making espressos or grocery runs to top up sugar supplies. Interns are exposed to opportunities like full-time consultants are.

How to apply?

View the job post in full here and write to Dennis via this link.

#4: Acelerate Academy – Marketing & Operations Intern

Website: acelerateacademy.com

Allowance / Remuneration: $700 – 1,000 monthly

Job Qualifications

You like working with a fun and young team
You’re aiming for personal growth and experience
You want to expose yourself to different areas of business functions
Comfortable in front of the camera

Key Responsibilities

Marketing

Generate sales leads and reach out to potential students/parents.
Design marketing collaterals and manage social media accounts.
Conduct (marketing) analyses and make sense of data collected

Human Resource & Operations

Run daily operations of the center and stock up inventory.
Monitor students’ attendance and progress.
Coordinate tutors’ lesson schedules and duties.
Prepare teaching lesson plans and teaching materials.
Maintain accurate records for bookkeeping and audit purposes.
Collect tuition fees and manage the disbursement of cash for purchases.

Customer Service

Attend to WhatsApp and email inquiries and maintain mailbox.
Issue receipts and verify payments
Communicate with parents on students’ feedback and walk-in inquiries.
Maximize the retention rate of students as well as the conversion rate of walk-ins.

Other ad-hoc duties as assigned.

How to apply?

View the job post in full here and write to Dickson via this link.

#5: Ceus Capital – Business Development Intern

Website: ceuscapital.com

Allowance / Remuneration: $550 – 1,000 monthly

Job Qualifications

Strong numerical and analytical skills.
Excellent verbal and written communication skills in English and Mandarin.
Ability to build and maintain positive relationships with clients.
Flexibility to work non-standard hours, including nights and weekends, to accommodate different time zones.
Strong problem-solving skills and attention to detail.
Proficiency in Microsoft Office Suite and familiarity with social messaging applications such as Telegram and WhatsApp.
Ability to work independently and as part of a team.
Prior experience in customer-facing roles or finance is preferred but not required.
Education: Currently pursuing or recently completed a Diploma in Communications, Marketing, Public Relations, Finance, Business Administration, Economics, or a related field.

Key Responsibilities

Engage with clients through various communication channels (email, phone, chat) to maintain and enhance relationships.
Provide exceptional customer service by addressing inquiries, resolving issues, and ensuring client satisfaction.
Participate in meetings with banks and other businesses to secure deals and partnerships.
Assist in preparing and delivering presentations to clients and partners.
Monitor and report on customer feedback and work with the team to improve service delivery.
Collaborate with different departments to ensure seamless customer experiences.
Maintain accurate records of customer interactions and transactions.
Research on the overall market and additional duties upon request

How to apply?

View the job post in full here and submit your resume explaining why you are a good fit for this role to [email protected], or text 83472758.

#6:Lucror Analytics Pte Ltd – Sustainable Finance (ESG) Intern

Website: lucroranalytics.com

Allowance / Remuneration: $800 – 1,500 monthly

Job Qualifications

Very strong attention to detail, a meticulous work attitude, and exceptional diligence
Excellent verbal and written communication skills
Robust Microsoft Office skills, with an emphasis on Excel
Genuine interest in the position and commitment to getting the job done

Key Responsibilities

Assist the ESG research team in ESG research report writing and ESG data mining
Provide ad-hoc support to the research team
Maintain internal databases and automate/optimize queries (mainly in Excel)

How to apply?

View the job post in full here and write to Jie Lin via this link.

Editor’s note: These positions are selected based on the “remote” tag, but some are hybrid ones and you may need to report physically to the office. For more deets, do contact the employer directly.

Kiasu Parents’ Guide to Financial Preps Before the Baby Arrives

#1: INSURANCE COVERAGE

When it comes to expecting a baby, it’s always wise to be prepared for the unexpected. That’s why maternity insurance is a must-have. For those who love being ahead of the game, like many Kiasu parents, maternity insurance is essential. Maternity insurance can provide financial protection and peace of mind during this significant life event.

Take, for example, Income’s Maternity 360. With a single premium, this plan offers three years of comprehensive coverage for both mother and baby, including protection against death, 10 pregnancy complications, and 23 congenital diseases. Plus, it includes a hospital care benefit, ensuring you’re covered in various situations.

#2: HOSPITAL BAG

Packing your hospital bag is an exciting step, but it’s important to plan based on your expected stay. Most mothers spend 2 to 3 days in the hospital after giving birth, though a C-section may require a longer stay. Fathers planning to stay with their partners should also consider this when packing.

Think about what will make you comfortable and prepared for those few days. For example, when my friend Lea was expecting her first child, she packed cozy pajamas, snacks, and even a favorite pillow from home, making her stay much more comfortable.

#3: HOME PREPARATION

Bringing your baby home for the first time is a thrilling moment, but it’s crucial to ensure your home is ready. This goes beyond just cleaning; it’s about creating a safe, welcoming environment.

Start by minimizing furniture and switching to non-toxic products (e.g., disinfectants and natural cleaning products). Less furniture means fewer places for germs and dust to gather. For laundry: wash sheets, blankets, and your baby’s clothes with mild detergent to avoid skin irritation. Then, consider professional cleaning if necessary.

#4: EMERGENCY FUND

Life with a baby can be unpredictable, and having an emergency fund is crucial. Aim to save enough to cover three to six months’ worth of your take-home pay. If that seems daunting, start with a smaller goal, like S$1,000, then gradually increase it.

#5: BABY-CENTERED BUDGET

Adjusting your budget to include baby-related expenses is essential. Consider ongoing costs like health insurance, doctor visit copays, diapers, formula, food, clothing, and daycare. Don’t forget one-time expenses for setting up the nursery and stocking up on baby gear. My cousin Nik created a detailed budget before her baby was born and found it incredibly helpful in managing her finances smoothly.

#6: BENEFICIARIES UPDATE

Major life changes, like having a baby, are a perfect time to review and update your beneficiaries on life insurance and retirement plans. You might still have your parents, siblings, or even a previous partner listed instead of your child. When my brother updated his beneficiaries after his first child was born, it gave him great comfort knowing his family’s future was secured.

Image Credits: unsplash.com

Preparing for a baby is an exciting journey filled with many steps, but with a little planning and forethought, you can ensure you’re ready for the adventure ahead.

Sources: 1 ,2, & 3

Measures and precautions during in-flight turbulence

The issue of safety during turbulence on flights has come to the forefront recently.

Unless you’ve been a caveman/woman, you would have been aware that there was a Singapore Airlines flight from London to Singapore where one passenger died and many others were injured after experiencing severe turbulence.

Experts are sharing what passengers and flight crews can do in these situations and here’s what you need to know.

Don’t underestimate your seat belts

Experts noted that passengers should keep their seat belts fastened when sitting.

Even if the seat belt is a little loose, it effectively prevents serious injuries during strong turbulence.

A lot of people forget this on long flights, especially in business class where you can lie down.

Furthermore, you should keep your seat belt on even during meals, to reduce the risk of unexpected turbulence.

Buckle up when sitting, even if the fasten seat belt sign is off.

It’s also important to listen to the safety instructions (we’re all guilty of not paying attention, aren’t we?).

What if I’m traveling with kids?

Babies under 3 should be held by their parents and have their infant seat belts fastened.

Babies are too small and not strong enough to sit alone, so they need to be belted to an adult.

The infant seat belt keeps the baby from getting separated from their parent during turbulence.

If your child is in a bassinet, take them out and hold them on your lap with the seat belt attached during turbulence.

Image Credits: romper.com

Clear air turbulence, which may have hit that Singapore Airlines flight, actually happens pretty frequently.

That’s another reason passengers are told to keep their seat belts on even if the sign is off.

But people don’t always listen to this advice since it’s seemingly more comfortable to remove it.

What if I’m up and about?

If turbulence happens while people are up walking around, experts advise folks to crouch down low and hold onto an armrest or headrest.

However, don’t grab onto the food cart.

And it’s best not to go to the bathroom if turbulence is likely, like over oceans.

If you’re heading to the bathroom and it starts, go right back to your seat.

It’s also safer if you control your water intake so you won’t have to go to the bathroom as much on the plane.

If you’re waiting in line for the bathroom and a flight attendant ushers you back into your seat, heed advice and return.

Cabin crew’s role in handling turbulence

Cabin crew are trained to respond safely during turbulence.

There are protocols to follow.

The crew also knows where the “stronghold points” are located around the cabin, like small handles in bathrooms and galleys.

If you want to know exactly where, ask, because passengers can use those too.

The crew also receives advance warnings about turbulence through onboard equipment.

It shows when, how strong, and how long turbulence will last.

The pilot typically informs the crew who will announce it over the PA system for passengers to take note.

During mild bumps, hot items aren’t served.

For moderate or worse turbulence, all service is suspended and crew members have 5 to 10 minutes to put away open galley items.

Even during tense moments, the crew needs to maintain high service quality and reassure passengers it’s fine.

While in-flight turbulence can be an unsettling experience, understanding and adhering to the recommended measures and precautions can enhance your safety.

Always heed the crew’s instructions, keep your seatbelt fastened, and stay informed about the flight’s conditions.

Safe travels!

Rihanna’s Fenty Beauty has a new hair care line with products from $33

Rihanna has done it again.

The multi-talented superstar behind the successful Fenty Beauty brand is expanding her empire with the introduction of a new hair care line.

With products starting at just $33, Fenty Beauty continues its commitment to inclusivity, offering a range of hair care solutions designed for all hair types and textures.

This new collection promises to deliver the same excellence that fans have come to expect from the Fenty name.

Here are some of the latest must-haves from Rihanna’s ever-growing beauty empire.

THE CONTROLLING TYPE HAIR-THICKENING EDGE CONTROL GEL

Price: $33

First up, meet the hair gel that’s as on top of it as you are.

This hair-thickening edge control gel lays, smooths, and locks your strands in place all day long without a single flake.

And when your edges are feeling weak, this formula comes on strong, thickening them up with a blend of amino acids, proteins, and antioxidants.

Tame flyaways, achieve long-lasting hold and enjoy rich, bright notes of sparkling yuzu, golden amber, soothing florals, coconut, vanilla, and creamy sandalwood.

THE HOMECURL CURL-DEFINING CREAM

Price: $51

Have curly hair?

Meet your new BFF.

The HomeCurl Curl-Defining Cream is a silicone-free gel cream that shapes, defines, and enhances your curls in one step.

This total softie gives your mane a touchable body and bounce, while its Replenicore-5 formula fights frizz and repairs split ends.

No more crunchy, drying creams for this is the only curl-taming hero you will ever need.

Hydrating, softening, and conditioning, it provides an all-day touchable hold and definition, powered by wild mango butter to deeply nourish your curls.

THE PROTECTIVE TYPE 5-IN-1 HEAT PROTECTANT STYLER

Price: $51

Or consider taming your tresses with this multitasking miracle worker.

The Protective Type 5-in-1 Heat Protectant Styler is the universal prep step your hair needs before any hot styling.

This lightweight cream shields strands up to 450°F while smoothing, defrizzing, detangling, and hydrating.

Prep, protect, and perfect—this 5-in-1 styler has your styling routine on lock.

THE RICHER ONE MOISTURE REPAIR DEEP CONDITIONER

Price: $53

Thirsty hair, meet your new hydration hero.

The Richer One Moisture Repair Deep Conditioner is an ultra-rich formula that melts into dry, damaged strands, plumping them up for a thicker, healthier look and feel.

Powered by the Replenicore-5 complex, this decadent treatment repairs split ends, reduces breakage, and leaves hair more manageable.

The warm, ambery floral fragrance adds a luxurious vibe to your self-care routine.

Just a little goes a long way, so you can pamper your locks without weighing them down.

Rihanna’s Fenty Beauty’s new line, with its affordable starting price of $33, allows fans and beauty enthusiasts alike to look forward to enhancing their hair care routines with products that embody the same excellence that has made Fenty Beauty quite a name to remember. Rihanna’s latest launch invites everyone to experience expertly crafted hair care.

For the full range, visit fentybeauty.com/en-sg/collections/hair-shop-all.