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4 sunscreen sticks $45 & under to swipe & go when you need quick protection from the sunshine

Sunshine calls for immediate action, especially when you’re on the move and need protection that’s quick.

And that’s why you need sunscreen sticks, your trusty sidekick against harmful UV rays.

With convenience at its core, these pocket-sized protectors are a game-changer for anyone looking to swipe and go.

We’ve rounded up four fabulous sunscreen sticks $45 and under, that promise to shield your skin with ease, so you can enjoy the great outdoors with peace of mind.

CAUDALIE Vinosun Protect Invisible High Protection Stick SPF50

Price: $34

First up, you will want to protect your skin from the sun’s harmful rays with this invisible, high-performance Caudalie Vinosun Protect Stick.

Formulated with organic grapeseed oil, this fragrance-free, water-resistant formula glides on smoothly and leaves no greasy residue.

Ideal for shielding your face, lips, and sensitive areas like moles, scars, and tattoos, this convenient stick is ideal for on-the-go application.

Reapply every 2 hours for all-day broad-spectrum SPF 50 protection.

SUPERGOOP! 100% Mineral Sunscreen Stick SPF 50

Price: $38

Or escape the sun’s glare with this hydrating, on-the-go SUPERGOOP! 100% Mineral Sunscreen Stick.

This water-resistant formula uses a mineral-based blend of avocado, chia seed, and olive oils to nourish and moisturize skin while providing SPF 50 protection.

Toss it in your gym bag or work tote for easy, mess-free application to your face, lips, and ears before your next outdoor adventure.

The smooth, blendable texture leaves a non-greasy finish so you can stop worrying about unflattering, oily shine.

SHISEIDO Clear Suncare Stick SPF 50+ PA++++

Price: $40

You can also consider this clear suncare stick from SHISEIDO.

Powered by breakthrough SynchroShield™ Technology, this SPF 50+ PA++++ formula boosts its protective veil when exposed to water, sweat, or heat, shielding your skin from harmful UV rays.

Enriched with Botanical Profense CL, a botanical complex that helps prevent wrinkle and dark spot formation, this lightweight, invisible stick also safeguards against environmental aggressors like microscopic particles that can lead to roughness, dullness, and loss of resilience.

Infused with nourishing licorice root extract, it glides on comfortably on any skin tone.

Forget messy lotions or creams, this clear, convenient stick is your new go-to for all-day sun protection.

SUPERGOOP! Unseen Sunscreen Stick SPF 40

Price: $45

Last but not least, we have the SUPERGOOP! Unseen Sunscreen Stick SPF 40.

This travel-friendly stick delivers weightless sun protection that glides on smoothly and leaves behind a natural, colorless, scentless finish.

No white cast!

The expertly crafted formula helps reduce the appearance of oil and shine, making it ideal for all skin types and tones.

Swipe it on over makeup for all-day SPF reapplication without any transfer.

This velvety sunscreen stick is the secret to feeling protected under the sun’s uninviting rays.

As the sun continues to reign supreme in the sky, having the right armor in your daily arsenal becomes non-negotiable. The abovementioned sunscreen sticks we’ve highlighted offer not only hassle-free application but also proper protection. Dashing to a last-minute outdoor gathering? Taking a stroll in the park? These $45 and under options ensure you can swipe, protect, and proceed with your day fast.

Practical Tips for Cutting Down Medical Costs in Singapore

Navigating healthcare expenses can be challenging, but there are several strategies to help you save money on medical costs in Singapore. Here’s a guide to making the most of available resources and adopting cost-effective practices.

TAKE ADVANTAGE OF FREE CHECK-UPS & SUBSIDIES

The Singaporean government has established a robust healthcare system with multiple layers of financial protection to ensure citizens are well-protected against high medical costs.

The first layer includes significant subsidies for hospitalization, outpatient care, and long-term care. You can receive up to 80% subsidy for hospitalization at public hospitals (B2/C wards), ensuring high-quality care regardless of the ward chosen.
MediShield Life offers lifelong health insurance for all Singaporeans, covering large hospitalization bills and expensive outpatient treatments like dialysis and chemotherapy. Additionally, CareShield Life, launched in mid-2020, provides lifetime cash payouts for individuals with severe disabilities.
MediSave scheme helps Singaporeans set aside part of their salary each month to cover medical expenses, including surgery, hospitalization, health screenings, and medical insurance, benefiting both you and your immediate family.
MediFund acts as a safety net for those who still face financial difficulties after utilizing other subsidies and payments. From 2020, ElderFund also supports the severely disabled with financial difficulties.

If you have a chronic condition like high blood pressure or diabetes, the Community Health Assist Scheme (CHAS) now covers all Singaporeans with selected chronic conditions, irrespective of income. Polyclinics and public Specialist Outpatient Clinics (SOCs) also offer substantial subsidies based on means-testing and age, with special rates for Pioneer Generation and Merdeka Generation seniors.

CONSULT MEDICAL SPECIALISTS WISELY

Singapore offers a wide range of medical specialties in both public and private hospitals. Costs vary significantly depending on the specialty and facility. For example, consultations with dermatologists range from S$125 to S$250, while ophthalmologists charge between S$80 and S$350. Choose specialists judiciously based on your medical needs and budget.

EXAMINE YOUR HEALTH INSURANCE PLAN

Health insurance plans should align with your specific healthcare and lifestyle requirements. For instance, if you don’t plan on having children, maternity coverage isn’t necessary. Regular travelers might prefer plans with worldwide coverage.

Every Singaporean is covered under MediShield Life, a mandatory government health plan covering large medical expenses. However, its benefits are basic and tailored to Class B2 and C wards in public hospitals. To avoid high out-of-pocket costs for higher-class wards, consider enhancing your coverage with an Integrated Shield plan.

SAVE ON HOSPITAL TYPES

While healthcare quality is paramount, you can save significantly on room costs by choosing semi-private rooms or wards over private rooms. This can reduce your hospitalization expenses considerably without compromising the quality of care.

OPT FOR GENERIC DRUGS

Generic drugs are significantly cheaper than their brand-name counterparts while offering the same medical efficacy. For example, 20 tablets of Panadol (paracetamol) cost S$7.90, whereas 100 tablets of generic Paracetamol cost only slightly more at S$11.50. Always ask your doctor for generic alternatives or request a prescription to purchase medications from local pharmacies.

PRIORITIZE PREVENTIVE HEALTH

While health insurance and subsidies help manage costs, the best long-term strategy is maintaining a healthy lifestyle. Eating well, staying active, and avoiding unhealthy habits can reduce the need for medical treatment and keep healthcare costs low. Remember, prevention is better than cure!

Image Credits: unsplash.com

By leveraging government schemes, choosing the right insurance, opting for cost-effective treatment options, and maintaining a healthy lifestyle, you can manage and reduce your medical expenses effectively in Singapore.

Sources: 1 & 2

This medispa in Singapore offers premium targeted facials for every skin condition and here are some award-winning picks from $350+

We think we’ve found THE skincare brand for you: a medispa that promises a new echelon of personalized facial treatments.

Catering to various skin conditions that city dwellers grapple with, Freia Aesthetics offers a range of premium targeted facials, each ready to rejuvenate and heal.

With services starting at $350, we know they aren’t cheap, but if it works, it’s money well spent, right?

Take a look if you’re struggling with some skin concerns and need a hand.

Sensitive Skin

Red Carpet Oxygen Facial

Price: $350 before GST for a 90-mins session

First up, if you suffer from sensitive skin, you may want to treat your skin with a Red Carpet Oxygen Facial before H2 of 2024 hits.

This facial infuses pure oxygen, vitamins, antioxidants, and custom-tailored serums (wow!) into the inner depths of your skin for continuous improvement in skin elasticity with each session.

The treatment also includes a relaxing massage to release knots and re-create space within our often tight facial muscles.

You will also get 20 minutes on a marine algae mask to hydrate and soothe the skin.

The results are instantly visible and long-lasting!

Scars

Clear Skin Facial (LDM)

Price: $380 before GST for a 90-minute session

Is your skin feeling a bit inflamed?

Freia Aesthetics Clear Skin Facial uses patented Local Dynamic Micro-massage (LDM) technology to calm breakouts and bring your complexion back into balance.

Painless and non-invasive, this treatment comprises a deep cleanse, extraction, and purifying mask to reduce inflammation.

Best suited for those managing active breakouts or congested skin, this facial leverages ultrasound waves to massage skin tissue and speed healing.

In just 45 minutes, you will leave with clear skin and a glow that lasts.

Congested Skin

Future Afterglow Facial

Price: $380 before GST for a 90-minute session

Or if you need a results-driven facial that decongests and calms inflamed skin, the Afterglow Facial using Future skincare products designed to restore balance and radiance can help.

Combining deep cleansing, exfoliation, and a signature lymphatic drainage massage, this treatment features Future’s acupoint therapy and a custom French green clay mask to hydrate and soothe.

A wonderful reset for acne-prone skin, this facial leaves you with a healthy glow and a refreshed complexion.

Acne

The Ultimate Hydra-O2 Experience

Price: $400 before GST for a 90-minute session

Acne’s got you angry?

Experience a transformation with The Ultimate Hydra-O2 Experience.

This “medical-grade” facial combines deep cleansing and exfoliation with pure oxygen infusion for instant luminosity.

Expect a thorough cleanse, peel, and infusion of the most advanced skincare actives to leave your skin purified and brightened.

Suitable for all skin types, especially acne-prone skin.

After just one treatment, emerge with a radiant complexion and zero downtime.

Well-Ageing (Preventative) Facials

Auteur Regenerative Therapy

Price: $460 before GST for a 90-minute session

Awarded the Best Clarifying Facial at the Her World Spa Awards 2024, this is Auteur’s latest multi-award-winning treatment.

Rediscover youthful skin with Auteur’s 90-minute regenerative therapy.

Infused with Auteur’s revolutionary Composition No. 1 serum and enhanced with medical-grade LED light and Dermo Electroporation (DEP) technology, experience skin revitalization like never before as peptides reach new depths to restore skin at a cellular level.

Emerge renewed.

Dry Skin and Lines

Aurum Radiance Facial

Price: $680 before GST for a 105-minute session

Last but not least, we have the Aurum Radiance Facial, a 120-minute facial that combines 5 amazing massage techniques with potent actives like peptides, 24-karat gold, and collagen for visibly radiant skin.

Start with a lymphatic massage to detoxify, then experience a deep tissue facial massage under LED light therapy to release tension and boost circulation.

A 20-minute firming mask nourishes and soothes as it lifts and firms.

A luxurious treat for yourself or someone special.

Freia Aesthetics offers a solution for every skin type, concern, and goal. With their array of award-winning treatments, they ensure that your goal of having flawless skin is as easy as 1, 2, 3 if you’re willing to splurge. Whether you’re seeking to soothe or defy the signs of aging, their premium targeted facials are ready to greet you.

Hidden Perks When Shopping for Luxury Items

If there’s one thing I adore, it’s luxury shopping. Many high-end items are not just splurges but smart investments that can be cherished forever or sold in the future.

Personally, Chanel and Dior top my list for makeup and fragrances, Louis Vuitton is my go-to for bags and small leather goods, and I gravitate towards Gucci for shoes. Given the hefty price tags, I’m always on the lookout to make the most of the freebies and perks these luxury brands offer.

Here’s a rundown of some fantastic opportunities you can take advantage of:

CHANEL

When you shop on Chanel’s website, you receive two complimentary samples with every fragrance, makeup, or skincare purchase. You get to choose from a variety at checkout. For better deals, you might consider shopping at duty-free stores; I snagged my favorite 50 ml Coco Mademoiselle EDT for S$162 at the Hong Kong airport, compared to S$165 in Singapore stores.

If you’re traveling soon, don’t miss the CHANEL Summer Club pop-up at Changi Airport Terminal 1, running until July 1st. Here, you can explore fresh, amber, or woody fragrances, radiant makeup products, and skincare essentials. Plus, you’ll receive a free Chanel postcard and badge.

LOUIS VUITTON

Building a good relationship with your Louis Vuitton sales associate can lead to delightful surprises like free perfume samples. My husband and I often receive free chocolates and champagne when we shop, thanks to the strong relationship we’ve built with our associate. He also shares his recommendations and helps us set appointments.

Whether it’s your first visit or you’re a returning customer, Louis Vuitton offers complimentary hot stamping on both new and pre-owned authentic items purchased online and in select stores. I recently had my luggage tag and pocket agenda personalized with unique city stamps and my initials. In Singapore, for example, you can get a special Merlion stamp. You can also collect exclusive city stamps (see samples here), such as the Manila Sun and Stars in the Philippines, Hachiko in Japan, or the Taipei 101 stamp in Taiwan.

Image Credits: unsplash.com

Additionally, when you order Louis Vuitton fragrances online, you receive a complimentary sample to try before committing to a full bottle.

DIOR

With Dior, after placing your first order, you receive a redeemable code for an exclusive Deluxe Miniature Gift with your second purchase. This code can be found on your order confirmation page and in your email. Simply enter it at checkout to claim your gift.

Dior also offers a loyalty program packed with perks. Every S$1 spent earns you 1 point, and reaching the highest tier, Dior Platinum, requires accumulating S$4,000. Benefits include complimentary samples and services, birthday bonuses, exclusive event invitations, and a variety of gifts throughout the year.

GUCCI

Gucci offers complimentary embossing and engraving services. Whether you’re picking up an order in-store, bringing in an item purchased online, or buying directly from a boutique, you can personalize your purchase with numbers, symbols, or letters. These services are available at Gucci Marina Bay Sands, Gucci ION, and Gucci Paragon.

Additionally, Gucci hosts events where you can receive free samples. Go to Gucci Beauty store* in Raffles City (#01-40A) by June 30, 2024, to receive a complimentary exclusive Gucci Beauty 8-piece discovery kit, while stocks last (*terms & conditions apply).

Image Credits: unsplash.com

Luxury shopping doesn’t have to be all about the hefty price tags. By taking advantage of these perks and freebies, you can elevate your shopping experience and enjoy some delightful extras along the way. Happy shopping!

Sources: 1, 2 , & 3

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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