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How Singapore Freelancers Can Save For Retirement, Cash Information

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Saving for retirement can often be a fear-inducing issue. With 14 percent of the Singapore workforce registered as self-employed in 2020 (World Bank), the question of how to save for retirement as a freelancer might not be more relevant than it is now.

While the most obvious answer to the above question is to put money aside, there are many ways you can do it. You can simply choose to set aside a percentage of your monthly income, invest it, or put it in a savings account.

However, each option largely depends on your income, retirement age, and current financial situation.

Set up a retirement plan

To set up a retirement plan, you need to answer the following questions:

  • How old are you now?
  • When are you planning to retire?
  • What’s your monthly income?
  • What are your monthly expenses?
  • How much does your income vary from month to month?

After answering these questions, you will get an idea of ​​how much you need to save. The current retirement age in Singapore is 62 and will increase to 63 in 2022.

While this may not affect your retirement age as a freelancer, we use the official retirement age for retirement planning.

Current age Years to retirement Total Retired Spending Monthly storage required
25 years 37 years 451,836 USD $ 1,017
30 years 32 years 451,836 USD $ 1,176
35 years old 27 years 451,836 USD $ 1,394
40 years old 22 years 451,836 USD $ 1,711

The table above assumes the individual monthly cost at retirement to be $ 1,793 (Singstat). Total retirement expenses are also based on a life expectancy of 83 years. Another factor that we need to consider is healthcare spending.

All Singapore self-employed nationals and permanent residents must make mandatory contributions to their Medisave account if they earn more than $ 6,000.

Annual net income Under 35 years 35-45 45-50 50+
$ 6,000 to $ 12,000 Four percent 4.5 percent Five percent 5.25 percent
$ 12,000 to $ 18,000 Four to eight percent 4.5 percent – nine percent Five percent – 10 percent 5.25 percent – 10.5 percent
Over $ 18,000 Four percent Nine percent 10 percent 10.5 percent
Maximum $ 5,760 $ 6,480 $ 7,200 $ 7,560

In addition to making mandatory contributions to your Medisave account, you can also make voluntary contributions. The great advantage of voluntary contributions is that you can apply for tax breaks for these contributions in order to reduce your overall tax expense.

Set a goal and save

The easiest way to start saving for retirement is to calculate your monthly income and expenses and set a realistic amount that you can reserve monthly for retirement. This should usually be a percentage of your monthly income and not a fixed amount.

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Calculate when you would like to retire and how much you would spend on average each month after you retire.

The average monthly household cost in Singapore is $ 3,586 (Singstat), assuming the household size is two people. This implies an individual monthly spending of $ 1,793.

It’s also important to keep in mind that there will be multiple expenses that you won’t have to worry about in retirement, such as: For example, your tax expenses, your Medisave account contributions, health insurance, child school fees, work-related expenses, and possibly even life insurance premiums.

This method of saving for retirement has many disadvantages: you don’t earn interest on your savings to offset inflation, and you don’t get tax breaks on your savings.

CPF contribution

The Central Provident Fund is a social security savings plan that provides Singaporeans with a safe retirement plan. While contributions to your Medisave account are mandatory, you can also make voluntary contributions to your CPF Ordinary Account (OA), Special Account (SA) and Medisave Account (MA).

Ordinary account contributions can be used for housing, insurance, investment, and educational needs. The special account can be used for retirement income and pension-related investments.

As mentioned earlier, the Medisave account is intended to be used for hospital expenses, approved outpatient medical care, and approved health insurance.

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While CPF contributions are usually made by both the employer and the employee, as a freelancer you only need to contribute to your Medisave account.

There are many benefits to making voluntary contributions to your special CPF account to save for your retirement. First, the interest you get is higher than the rate of inflation.

The current interest rate on SA contributions is four percent per year and is reviewed quarterly.

Second, your contributions can be used to invest in the future. Finally, your investment is safe compared to other investments linked to indices that fluctuate with the markets.

Medisave and Special Account interest rates are calculated based on the 12 month 10 year average return on Singapore government securities plus one percent. In addition, this investment is guaranteed by the Singapore government which makes it safer than investing in the stock market.

Fixed deposit & savings account

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Two great ways to save for retirement are with a fixed deposit or a savings account. A fixed deposit is a type of investment that gives you a higher interest rate than a regular savings account.

At the time of opening an account, you agree to deposit money with a financial institution for a specified period and interest rate.

Unlike a savings account, you cannot withdraw a fixed deposit before the due date. In return, however, you will receive a higher interest rate on a fixed deposit than on your savings account.

If you’re looking for more flexibility with your investment, a savings account might be the right choice for you.

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Both fixed-term deposits and savings accounts are low-risk investments with guaranteed returns.

A key feature of both investments that you need to consider is the interest rate offered on your deposit.

To make sure you don’t lose any money, the interest rate on your deposit shouldn’t be lower than the current rate of inflation.

Therefore, in order to make money, the interest rate has to be higher than the inflation rate.

According to Statista, the current inflation rate in Singapore is 0.34 percent. This explains why so many commercial banks offer interest rates for savings and fixed-term deposits below one percent pa, with most offering around 0.5 percent. Banks usually pay higher interest rates on deposits with longer terms.

For example, periods of 24 and 36 months result in higher interest rates on average, regardless of the amount deposited. Maybank currently offers one of the best interest rates for fixed-term deposits, namely 0.6 percent with a term of 36 months with a minimum deposit of USD 5,000.

Final verdict

While there are many ways to save for your freelance retirement, the best way is to combine the options above. Ideally, you should invest part of your income in a fixed-term deposit account.

Since the longer the tenure, the higher the interest, this investment can be tied for several years. Hence, you also need to set aside some money that you can access in an emergency. This would be a savings account.

This would also be a liquid asset as unlike a fixed deposit it is easy to access.

This article was first published in ValueChampion.

Bitcoin resumes promoting off over the weekend, dropping under $ 32,000

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A visual representation of the cryptocurrency Bitcoin on November 20, 2018 in London, England.

Jordan Mansfield | Getty Images

The bitcoin sell-off continued after a week of roller coaster trading on Sunday as authorities in China and the US tightened regulations and tax compliance on cryptocurrencies.

According to data from Coin Metrics, Bitcoin fell around 16% to $ 31,772.43 by 12:27 p.m. ET.

The world’s largest cryptocurrency traded at $ 35,891.20 on Friday afternoon.

The recent Bitcoin sell-off is a major reversal of the cryptocurrency that appears to have gained prominence among major Wall Street banks and publicly traded companies. However, this month Bitcoin was hit by a number of negative headlines from major influencers and regulators.

Tesla CEO Elon Musk, who helped fuel positive sentiment when his company bought $ 1.5 billion worth of Bitcoin, took a beating earlier this month when he announced the automaker had announced the Buying vehicles using the cryptocurrency had been suspended for environmental reasons.

Musk then sent mixed messages about his position on Bitcoin, implying in a tweet that Tesla may have sold its holdings, only to clarify later that it did not.

“The asset class remains very volatile, with the potential for significant price movements resulting from a single tweet or public comment,” said CIBC analyst Stephanie Price in a statement on Thursday.

A JPMorgan report showed that large institutional investors ditched Bitcoin in favor of gold. The news raises questions about institutional support for cryptocurrency.

Cryptocurrencies continued to slide as Chinese authorities called for stricter regulation of crypto mining and trading, and the U.S. Treasury Department announced that crypto would need to be more compliant with the IRS.

Bitcoin fell more than 30% on Wednesday to nearly $ 30,000, its lowest price since late January, according to Coin Metrics. The cryptocurrency peaked at $ 65,000 in April.

“Even with this week’s sell-off, cryptocurrencies had an incredible run over the past year,” Price said.

Bitcoin is up 268% over the past year, according to Coinbase. Ether, the second largest cryptocurrency, grew by more than 840%.

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– CNBC’s Michael Bloom contributed to the coverage.

Do not kiss or cuddle poultry, says CDC – once more

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Illustration for article titled It's Your Mouth But Please Stop Kissing Poultry, says CDCPhoto: debasige (Shutterstock)

Look: we know we’ve heard a lot from the Centers for Disease Control and Prevention (CDC) over the past year. What you should do? We lived during a global pandemic caused by a virus never seen before in humans and we all had / have to learn a lot.

But this week the CDC looked at a different type of social distancingwhich is apparently a problem enough that the agency decided it warranted its own investigation. We’re talking about poultry cuddling, of course. No, that’s not a typo (though Poultry smuggling is also a problem). Here’s what to know.

Chickens are not for cuddling

Salmonella outbreaks are currently reported in 43 states, resulting in 163 illnesses and 34 hospitalizations as of May 20. “You can get sick if you touch your backyard poultry or anything around them and then touch your mouth or food and swallow salmonella,” he said CDC explains in its investigation notice. And yes, “touching” includes kissing or cuddling your poultry.

If this sounds familiar to you, that’s because The CDC issued an almost identical warning exactly a year ago (almost to the day). And apparently we haven’t learned our lesson.

The CDC has issued the following guidelines to protect people with so-called “backyard herds” from salmonella:

Wash your hands

We should be pretty used to washing hands often by now, but they CDC has some poultry-specific instructions: “Always wash your hands with soap and water immediately after touching the backyard fowl, its eggs, or anything in the area where they live and roam.” If there isn’t a sink nearby, the CDC suggests using hand sanitizer and leaving some in the stall so it’s always on hand.

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Practice handling poultry safely

The best way to prevent the spread of poultry-borne infections is to avoid high-risk poultry behavior. “Don’t kiss or cuddle backyard poultry or eat or drink around them,” he said CDC explains. “This can spread salmonella bacteria in your mouth and make you sick.”

Keep an eye on the (human) children

Let’s face it, most American schools lack comprehensive education about poultry safety. Some children are simply not aware that, according to the CDC, poultry “can carry salmonella bacteria even if they look healthy and clean”.

Make sure children are supervised when they are around chickens and ducks. And if you are a parent, you should have an age-appropriate discussion with your children about responsibility for poultry.

The problem star Ashley Cain’s child is laid to relaxation

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The challenge alum Ashley Cain wrote a heartbreaking tribute to his young daughter Azaylia Diamond Cain when she was laid to rest during a funeral.

The 30-year-old British reality star and his girlfriend Safiyya VorajeeThe 8-month-old girl died in late April after battling cancer for most of her life. Their tragic battle captured the hearts of fans as their parents documented their final weeks and days on Instagram. Azaylia’s funeral took place on Friday, May 21st.

“ADC … BEAUTIFUL … STRONG … BRAVE … INSPIRATIONAL,” wrote Ashley on his Instagram page on Sunday, May 23, along with photos of himself, Safiyya and other loved ones at the memorial service. “FOREVER IN MY HEART.”

The reality star continued: “Friday was by far the most difficult day of my life. I lay down to rest my beautiful daughter, who has influenced not only me and my family, but the whole world so strongly, positively and powerfully . Rest in Eternal Paradise Princess. Dad loves you forever and ever! #AzayliaDiamondCain. “

The funeral service contained a huge selection of pastel orange, yellow and green balloons, a large plush lion and large bouquets of flowers. Ashley and Safiyya released a white pigeon from a wicker basket. The two later each brought a single yellow rose to the cemetery.

How to decide on the proper tub towel

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Illustration for article titled How To Pick The Perfect Bath Towel Because It's Harder Than You ThinkPhoto: Slice of Cake (Shutterstock)

The first time (or maybe every time) you’ve bought towels, you may have based your selection on 1) the cheapest and 2) a towel. However, as it turns out, if you are in a position where you have some degree of flexibility in your towel budget (considering it is a Investment).

Here’s how to choose one that best suits your unique bathing needs, courtesy of Jackie Revere of Wirecutter in an article for the New York Times.

Figure out what you want in a towel

According to Revere, “a good bath towel should do several things at once – dry off quickly, feel good (if not fantastic) against your skin, match your decor, and be durable enough to last for years.” Essentially the same properties as those You are looking at a potential partner.

Let’s address these one by one:

material

Terrycloth or waffle / grid? That is the question.

Terrycloth

  • Thick material with tightly woven loops
  • What do you think of when you think of a classic soft, fluffy towel
  • Long lasting

Waffle / petals

  • Thin and rough fabric
  • Dries faster
  • Takes up less shelf space

size

There is no standard size for a bath towel, however Revere says that a 28 x 55 inch towel is suitable for an average size person. And while towels seem like something that should be one size fits all, they aren’t. Technically, size doesn’t really matter if you’re only using the towel to dry in your bathroom.

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But if you want to do what people do on TV and in movies, where they wrap a towel under their armpits and wear it like a strapless shift dress while they dance in their living room, then those who are extra bosomical or broader want opt for a larger towel. Or more precisely, a bath towel – a longer and wider version of a bath towel, Revere says.

Your decor

If your bathroom has a particular style or color scheme, consider buying towels that will go with your decor. But that’s not our focus today so we’ll move on.

Buy a single towel and give it a try

Sure, a towel might feel nice and soft when you touch it in the store (if that’s still something people do) or when you first open the package when it comes in the mail, but Revere says that it takes a few washes before the towel reveals its true qualities.

So instead of buying a full set of towels and finding out after you wash them (at a time when it’s unlikely you can return them) that they don’t meet your softness standards, buy a towel of the brand / style you are into Consider and test it. Here is as Revere says to do that:

When washing your test towel, skip fabric softeners which can leave buildup that can change the feel and chlorine bleach which can change color. Wash in cold water and dry on low to medium heat.

Once you’ve landed on a towel that works for you, Revere suggests buying at least three bath towels for each person in your household. “You should change your towel every two to three days,” she writes. “So if you do your laundry once a week, you should have enough time to hold out between wash days.”

Is it dangerous in case your joints crack and burst if you transfer?

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Man crouchingPhoto: G-Stock Studio (Shutterstock)

Creaky joints might sound like a sign that you are getting older and your body is falling apart, but for the most part, your noisy knees are nothing to worry about. Let’s take a quick look at why joints make noise and how to tell if there’s really a problem.

Most of the snaps are just rearranging your body parts

If you hear a pop or click with every movement, a common reason is that the muscles, tendons, or other body parts surrounding this joint are moving past each other. This is especially common in the shoulders, says orthopedist Kim Stearns of the Cleveland Clinicbecause shoulders have so many moving parts.

If this happens during exercise, you can often improve the situation by warming up and stretching a little before doing the movement that makes the noise. A loosened muscle or curled tendon is less likely to be loud.

Creaking is common in healthy joints too

A creaking, crackling sound from the knees or other joints is known as crepitus and is more common in older people than younger people. People with osteoarthritis often suffer from crepitus, which leads to people with crepitus wondering if they will develop arthritis or if they damage their joints in some way when they move.

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Fortunately, that’s not the case. Crepitus is common in people with arthritis and in people without arthritis. The cartilage in our knees becomes rougher over time, and rough cartilage makes more noise as it moves than smooth cartilage. writes Michael Stuart, orthopedic surgeon at the Mayo Clinic.

Ironically, people often think they should stop doing knee exercises when their knees crunch and creak, but Stuart points out that if you have strong leg muscles, your knees will be healthier in the long run. So exercises that use your knees are more likely to help than hurt. This is true even if you know you have osteoarthritis. The The Arthritis Foundation points out their website “Exercise is considered to be the most effective non-drug treatment for pain relief and improvement in exercise in patients with osteoarthritis.”

Is It Bad for Cracking Ankles and Other Joints?

A single “pop” sound that you can’t repeat is usually due to a gas bubble in your joint. The joints are surrounded by a layer of fibrous tissue called a capsule. Inside this capsule is a fluid called synovial fluid that acts as a lubricant when your bones slide against each other.

The leading theory about how to crack your knuckles is that bubbles can form and burst in this liquid, and that the bursting of a bubble creates that characteristic knuckle cracking. The reason you usually can’t crack your knuckles twice in a row is because you’re already bursting the bladder and there is no other to burst. Wait a little, however, and another might form.

But is it unhealthy? There is no solid evidence for this. Several Experts | to have specified that there is nothing wrong with cracking your ankles, including A doctor who only cracked the knuckles of his left hand for 50 years and kept his right hand as a control. He couldn’t tell the difference between the health of his joints in his right and left hands.

When should you seek medical help for creaky joints?

If the sounds in your joints are accompanied by pain or swelling, it is time to see a doctor. That said, pain or swelling in a joint is a sign of a problem, even if it doesn’t happen with creaking noises, so the noises themselves are not the problem.

A single “pop” sound can sometimes occur when you tear certain ligaments or tendons, as anyone who has torn the ACL in their knee can tell you. Again, the sound itself is not the problem; After hearing this “pop” you will notice pain, swelling, or sometimes instability in the joint. (After tearing my ACL, my knee felt loose and wobbly.) Watch out for the injury and don’t forget to mention the pop sound when you tell the story of what happened.

Large win week with protection from Snowflake and Toll Brothers

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CNBC’s Jim Cramer is eager to focus on the stock market again, but the cryptocurrency craze is still attracting Wall Street’s attention.

He assumes that Bitcoin and other speculative coins will continue to be in the foreground and that the sharp declines in the crypto markets will weigh on stocks. This could create buying opportunities for investors in stocks as another week of profits goes by.

“All in all, this is a historically slow week, but there are enough new companies reporting that they are now full,” said Cramer on Friday at Mad Money, discussing his schedule for the next week.

The coming week will close trading for the month. With the exception of the Dow Jones Industrial Average, the major US indices have fallen since the beginning of the month. The tech-heavy Nasdaq Composite was down 3.5% in May, while the S&P 500 lost 0.6% over the period. The Dow was up about 1% in May.

Cramer gave viewers a preview of the upcoming corporate earnings reports he circled on his calendar.

“Maybe, just maybe, bitcoin can overshadow as long as Elon Musk can shut up about crypto,” he said.

The forecasts for sales and earnings per share are based on FactSet estimates:

Monday: Lordstown Motors win

Lordstown Motors

  • Earnings publication for the first quarter of 2021: after market entry; Conference call: 4:30 p.m.
  • Estimated losses per share: 28 cents
  • Estimated Revenue: $ 0

“Right now, this market despises all SPAC games before sales because they have burned people so badly over the past few months,” said Cramer. “Lordstown’s stock is down about 70% from its highs. I don’t know how to get your mojo back, but maybe they’ll surprise me.”

Tuesday: Autozone, Intuit, Toll Brothers revenue

Car zone

  • Publication of the results for the third quarter of 2021: before the market; Conference call: 10 a.m.
  • Projected earnings per share: $ 20.13
  • Estimated Revenue: $ 3.27 billion

“This is a very reliable company so you can get into the zone both before and after winning,” said Cramer.

Intuit

  • Earnings release for the third quarter of the financial year 2021: after the market starts; Conference call: 4:30 p.m.
  • Projected earnings per share: $ 6.51
  • Estimated Revenue: $ 4.42 billion

“Intuit stock hit an all-time high today,” he said. “I don’t think that will put buyers off.”

Great brothers

  • Publication of the results for the second quarter of 2021: after the start of the market; Conference call: Wednesday, 8:30 a.m.
  • Projected EPS: 80 cents
  • Estimated Revenue: $ 1.78 billion

“If Toll tells a story of strong orders and … rising gross margins, I think the stock can get its groove back,” said the host. “But everything has to be perfect, including assuring management that the cost of lumber and equipment are actually under control.”

Wednesday: Dicks Sporting Goods, American Eagle Outfitters, Williams-Sonoma, Nvidia, Snowflake, Okta, Workday Revenue

Dick’s sporting goods

  • Earnings release for the first quarter of 2021: ahead of the market; Conference call: Wednesday, 8:30 a.m.
  • Projected earnings per share: $ 1.16
  • Estimated Revenue: $ 2.2 billion

“I bet they are staggering numbers because all kinds of sporting goods are in short supply as Americans venture out en masse,” Cramer said.

American Eagle Outfitter

  • Earnings release for the first quarter of 2021: 4:15 p.m. Conference call: 4:30 p.m.
  • Projected EPS: 46 cents
  • Estimated Revenue: $ 1.02 billion

“I think we could see similar strength from American Eagle as it is the hottest clothing chain in the world right now,” he said.

Williams-Sonoma

  • Earnings publication for the first quarter of 2021: after market entry; Conference call: 5 p.m.
  • Projected earnings per share: $ 1.72
  • Estimated revenue: $ 1.5 billion

“I expect big numbers, but it has recently been classified as a ‘stay-at-home’ inventory which is the kiss of death in this post-pandemic market,” the host said.

Nvidia

  • Publication of the results for the first quarter of 2022: after the start of the market; Conference call: 5 p.m.
  • Projected earnings per share: $ 3.28
  • Estimated Revenue: $ 5.39 billion

“I think the chipmaker has a lot going for it, but I still want to hear how confident it is that it will get regulatory approval to acquire Arm Holdings,” he said.

Snowflake

  • Publication of the results for the first quarter of 2022: after the start of the market; Conference call: 5 p.m.
  • Estimated losses per share: 16 cents
  • Estimated Revenue: $ 360 million

Octa

  • Publication of the results for the first quarter of 2022: after the start of the market; Conference call: 5 p.m.
  • Estimated losses per share: 12 cents
  • Estimated Revenue: $ 309 million

“They are two of the fastest growing companies in the world,” said Cramer. “I expect big numbers from both of them, but only buy them if you think this market will change its stance on soaring growth names that don’t trade in income – they trade in sales.”

working day

  • Publication of the results for the first quarter of 2022: after the start of the market; Conference call: 4:30 p.m.
  • Projected EPS: 73 cents
  • Estimated Revenue: $ 1.16 billion

“Workday should have another impressive quarter as cloud software is used to automate back office jobs in human resources and finance,” he said.

Thursday: Best Buy, Dollar General, Dollar Tree, Medtronic, Gap, Ulta Beauty, Costco, Salesforce, and Dell Revenue

Best buy

  • Publication of first quarter results: 7am; Conference call: 8 a.m.
  • Projected earnings per share: $ 1.36
  • Estimated Revenue: $ 10.32 billion

Dollar general

  • Publication of the first quarter results: TBD; Conference call: 10 a.m.
  • Projected earnings per share: $ 2.13
  • Estimated Revenue: $ 8.16 billion

Money tree

  • Earnings release for the first quarter of 2021: TBD; Conference call: 5 p.m.
  • Projected earnings per share: $ 1.40
  • Estimated Revenue: $ 6.4 billion

“I like all three and think they are good stimulus games, but their stocks have gotten terribly controversial and I don’t really care about controversy,” said Cramer. “There are easier ways to make money.”

Medtronic

  • Publication of results for the fourth quarter of 2021: 6:45 a.m. Conference call: 8 a.m.
  • Projected earnings per share: $ 1.42
  • Estimated Revenue: $ 8.14 billion

“I bet they are reporting a stellar number because their medical devices are being installed in record numbers after the pandemic,” he said. “There is a lot of catching up to do with people who delayed surgery until they could be vaccinated.”

gap

  • Publication of results for the first quarter: 4:15 pm; Conference call: 5 p.m.
  • Estimated losses per share: 6 cents
  • Estimated Revenue: $ 3.41 billion

“Gap is very much back, something that you can tell when you visit the shops: fresh, clean and reasonable prices,” said the host.

Ulta Beauty

  • Earnings publication for the first quarter of 2021: after market entry; Conference call: 4:30 p.m.
  • Projected earnings per share: $ 1.95
  • Estimated Revenue: $ 1.65 billion

“Ulta is a big winner when everyone can take off their masks,” he said.

Costco

  • Publication of the results for the third quarter of 2021: 4:15 p.m. Conference call: 5 p.m.
  • Projected earnings per share: $ 2.31
  • Estimated Revenue: $ 43.64 billion

“Costco has a tendency to run into the quarter and then sell right away, even when the numbers are great. It doesn’t matter what they print,” said Cramer. “I love Costco, the store, I love Costco, the supply … but you don’t want to buy it until you see the results – let this come to you.”

Foreclosure

  • Publication of the results for the first quarter of 2022: after the start of the market; Conference call: 5 p.m.
  • Projected EPS: 88 cents
  • Estimated Revenue: $ 5.89 billion

“Salesforce reported a Barnburner last time, and it didn’t seem to care, maybe because they have yet to finalize the Slack acquisition,” he said.

Dell

  • Earnings release for the first quarter of 2022: 5:30 p.m. Conference call: 5:30 p.m.
  • Projected earnings per share: $ 1.71
  • Estimated Revenue: $ 23.80 billion

“You can buy it ahead of schedule because [CEO] Michael Dell will tell a fantastic story, “said the host.” I bet they’ll have a great quarter. “

Friday: Big Lots, Hibbett Sports Income

Large quantities

  • Earnings release for the first quarter of 2021: TBD; Conference call: 8 a.m.
  • Projected earnings per share: $ 1.69
  • Estimated Revenue: $ 1.54 billion

Hibbett Sports

  • Earnings release for the first quarter of 2022: after market entry; Conference call: 5 p.m.
  • Projected earnings per share: $ 2.56
  • Estimated Revenue: $ 404 million

“I bet they’ll both be great,” said Cramer.

Disclosure: Cramer’s charitable foundation owns shares in Salesforce, Nvidia, and Costco.

Disclaimer of liability

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Try the week’s most stunning superstar transformations

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Hair ties and flared pants are back in fashion. So why shouldn’t Moore pick up on yet another trend from the 2000s?

The 37-year-old This is Us star takes us all back into the wee hours of the morning with her latest Thursday, revealing on May 19 that she’s turned blonde again. While this is her natural color, it is the lightest that her hair has had in over 15 years.

It goes without saying: Her latest look is basically a time machine that puts us in her “candy” days. The first time Moore really appreciated being a brunette was for her role in A Walk to Remember in 2002, when she announced to Entertainment Weekly in 2017 that the dark dye was “transformative.” She added, “For the most part, I haven’t gone back since then.” Until now it has been like that.

Moore turned to her colorist Nikki Lee, the co-owner of the celebrity-favored Nine Zero One salon, is trying a new shade of blonde this week.

The best part? You can get the same color at home as Nikki used a box dye on the Tangled Star’s locks. In particular, she used Garnier Nutrisse Almond Crème 70, which sells for just $ 9.

Telling people about the perfect makeover for the summer, Moore said, “I’ve been longing for much-needed changes.” And the new mom continued, “It really felt like now was the perfect time to do something different. The world seems to be opening up again … normal feels like it really is the same Corner.”

In line with scientists, CDC masks tips might enhance the chance of spreading Covid at work and in public

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People without a mask are walking in Times Square in New York City on May 19, 2021.

John Smith | VIEW press | Corbis News | Getty Images

The CDC’s new mask guidelines could actually increase the risk of Covid-19 spreading in public spaces and workplaces, scientists from a leading group of infectious diseases said Thursday.

The Centers for Disease Control and Prevention abruptly reversed their mask guidelines for vaccinated Americans last week to say that vaccinated people will no longer need to wear a mask indoors or outdoors in most settings. Officials said they changed their guidelines in part because research shows the vaccines offer very high levels of protection against the disease of Covid-19 and spread it to others.

“There is no debate about this fact,” said Dr. Jeffrey Duchin, who sits on the CDC’s Advisory Committee on Immunization Practices, at a news conference hosted Thursday by the Infectious Diseases Society of America. However, the agency’s announcement created widespread confusion and frustration because “it was unexpected and lacked the necessary context for implementation by the state and local health community,” he said.

Duchin is the society’s liaison with the CDC’s Vaccination Committee. The company represents leading specialists in infectious diseases in the USA

“There was no information on how the guidelines could be used in practice, particularly in relation to the inability to check vaccination status,” said Duchin. The CDC also did not provide guidance on whether people should continue to wear masks in areas with high transmission rates or low vaccination rates, he said. “What the CDC did, however, was not optimal and gave the wrong impression that the mask mandates were being lifted.”

Doctors across the country and federal health officials continue to stress that only vaccinated people are safe to remove their masks. The new mask management was misinterpreted as the end of the pandemic and mask mandates, which puts the local health authorities in a very difficult position. States in the United States took the news as a cue to facilitate mask mandates. Texas Governor Greg Abbott used the new guidance to justify signing an executive order that threatens the fine for local officials and communities for not dropping mask requirements.

Duchin said that both vaccinated and unvaccinated people are likely safe outdoors without masks, but they are not indoors.

“Now the risk of Covid-19 spreading in crowded indoor spaces with unvaccinated people and especially with poor ventilation is increased,” said Duchin. While the CDC’s scientific basis for the change is “solid,” Duchin said ending the mandate for inner masks “could lead to increased risk in public spaces and workplaces with avoidable spread of Covid-19, mostly among the unvaccinated spreads. “

Vaccination rates vary across the country, and the majority of those vaccinated are older adults. Large subgroups such as younger adults remain unvaccinated.

Dr. Jeanne Marrazzo, who also spoke at the briefing, said research has shown that up to 3% of Americans have been told by their doctors that they have some level of immunodeficiency, which puts them at an increased risk of being exposed to Covid be.

“Millions of people fit that bill, and we literally have very little data on whether the vaccine works in them,” Marrazzo said. “There is a real reason to be careful and interpret the guidelines carefully.”

The scientists also said people need to acknowledge that there is uncertainty about the future course of the pandemic, the effects of emerging variants, the duration of immunity, and the potential for a Covid-19 resurgence.

“The Covid-19 outbreak is by no means over, there is still significant uncertainty and there is still significant disease activity,” said Duchin.

If someone is fully vaccinated and doesn’t have other conditions that threaten their community, and if the rate of Covid where they live is relatively low and the vaccination rate is high, Marrazzo said it would be “100% okay, pretty much anywhere without one. ” Mask.”

Marrazzo added that despite being fully vaccinated, she will continue to wear a mask around the house as vaccination rates in her community are not even 50%.

“If I knew we were seeing really notable decreases in hospital stays and symptomatic illnesses that may be related to Covid and that have a very high vaccination rate, I would probably go without a mask, but I won’t see this anytime soon,” she said.

While nearly half of all people in the United States, 160.2 million, received at least one shot, Marrazzo said only 4.6% of the world’s population did the same.

“People need to be aware of what’s going on and watch out for vaccination rates, look for the involvement of these new varieties and think about being ready to get things going again,” warned Marrazzo.

Correction: This story has been updated to reflect that the press conference was hosted by the Infectious Diseases Society of America.

Welcome to Prix Mounted, our new menu planning recommendation column

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Image for item titled Welcome to Prix Fixed, our new menu planning advice columnPhoto: Claire LowerFixed prixFixed prixWhether you’re preparing dinner for a new crush, an old friend, or your discerning in-laws, we’ll help you plan the perfect menu.

Hello everyone, and welcome to Prix Fixed, Lifehacker’s new menu planning advice column. Whether you’re having a hot date, a big anniversary, or meeting your in-laws for the first time, we’ll help you plan an impressive menu that suits your nutritional needs and culinary skills. Will there be hacks? You bet your butt will be there.

To start the column and get everyone used to the format, let’s start with a request from our own editor-in-chief. Jordan Calhoun::

Dear Claire,
I have a date ahead of me and I need a dinner that is both impressive and within my limited capabilities. I’m fine in the kitchen but definitely without the confidence to do something too fanciful that could lead to an epic failure. If I had to evaluate my skills I would give them a C +. As for dietary restrictions – I’m Pescatarian, allergic to fava beans, and don’t drink alcohol, but my date doesn’t have any restrictions or allergies that I’m aware of. In terms of equipment, I have a gas stove, all the pots and pans I need, but limited things for the oven – a baking sheet and two Pyrex casserole dishes. Thanks for your help, I’ll let you know how to do it!

After talking to Jordan about cooking a decent amount, I know he’s a huge fan of salmon and that he’s tired of baking it in the oven. The nice thing about salmon is that it can be cooked in many different ways for great results, but I wanted Jordan to give it a try Dairy poaching– or, in this case, half and half poaching – a simple, forgiving technique that will gently add flavor to your fillet while keeping things nice and tender at the same time.

We make one for pages naked tomato salad and a store-bought French baguette. Peeling cherry tomatoes may seem a little over the top and boring – and it is – but what we’re aiming for here is also simple and impressive. When you remove the skin from the tomato, it will melt in your mouth and not burst. And instead of slipping off the smooth skin, it’s ours simple little dressing sticks to the exposed meat, resulting in a simple but special little salad.

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Shopping

Okay, before we dive into the recipes, let’s take a look at our shopping list:

  • 2 6-8 ounce salmon fillets, either close up or close up
  • 1 pint half & half
  • 1 ear of corn
  • 1 clove of garlic
  • 1 chilli pepper of your choice (I used Serrano)
  • A small clam of fresh thyme (you want at least 15 sprigs)
  • Bay leaves
  • 1 bunch of spring onions
  • 1 lemon
  • 1 dry pint (10 ounce) cherry tomatoes
  • 1 baguette
  • The preferred drink for your date

You’ll also need some common supplies. If you don’t have any of these options, just add them to your shopping list:

  • olive oil
  • Apple cider vinegar (can be replaced with another vinegar if you wish)
  • Dijon mustard (you want Dijon for his emulsifying properties)
  • Maple syrup or honey
  • Table salt (at least 1/4 cup)
  • Sugar (at least 2 tablespoons)
  • A pepper mill (Don’t get pre-ground pepper. It doesn’t taste like anything.)
  • Extra Credit: A box of Maldon flake salt. You might be thinking, “Hey, I already have salt,” but this is a finishing salt that adds flavor, texture, and glamor. It will instantly elevate the food and make it appear worthy as a restaurant.

The plan

Do you do the nude – or nekkid – about an hour and a half before your date (or the night before)? – Tomato salad. To do this, you need:

  • 1 dry pint of cherry tomatoes
  • 1/4 cup of olive oil
  • 1/4 cup apple cider vinegar (or any other vinegar of your choice)
  • 1 tablespoon of Dijon mustard
  • 1 tablespoon maple syrup (or honey)
  • 1/4 teaspoon table salt
  • 6 sprigs of thyme

First, peel your small tomatoes. Make a small x on the bottom (opposite the stem side) of each tomato, being careful not to go too far into the meat. They should look like this:

I've deepened some of these a little, but it's okay!I’ve deepened some of these a little, but it’s okay! Photo: Claire Lower

Bring a small saucepan of water to a boil and fill a bowl with ice water. Dip the tomatoes in the boiling water and work them in batches if necessary. Let them hang for 7-10 seconds until the skin peel off. Dip them in the ice water bath and repeat the process until you have gone through all of the tomatoes.

Aren't they beautifulAren’t you beautiful? Photo: Claire Lower

Now for the fun part. Gently peel off the skins. If you want, you can set them aside to make Tomato salt (although you need a few more skins to make a significant amount). Place the peeled tomatoes in a mixing bowl, transfer any remaining ingredients to a glass (or other small container with a secure lid) and shake to emulsify. If you’re not sure how to remove the thyme leaves, take out the more tender ones at the end and remove the rest of the log by grabbing one end with your non-dominant hand and running your other hand’s fingers down the stem .

Drizzle just enough dressing on the tomatoes to coat them (about half what you made). When you eat in a couple of hours or sooner, cover the salad and let it hang at room temperature. If you plan to serve it the next day, cover it and put it in the refrigerator. However, remove it an hour before serving.

Let’s talk about the fish now. In addition to poaching the fillets in creamy, high-fat half and half (fat is an excellent vehicle for flavor), we’re going to give them a little quick healing to suck out excess moisture and help them hold their shape while poaching. But first we’ll get one set up ready so you don’t feel rushed while cooking. Regarding the ingredients, you will need:

  • 2 6-8 ounce salmon fillets
  • 1/4 cup salt
  • 2 tablespoons of sugar
  • 1 pint half & half
  • 1 ear of corn, Kernel removed and put the cob aside
  • 1 chili pepper, cut in half
  • 3 cloves of garlic, battered and peeled
  • 4 sprigs of thyme plus a few extra for garnish
  • 2 spring onions and additional, diagonally cut green pieces for garnish
  • 1 bay leaf
  • 1 pinch of salt
  • 1 lemon for peeling

Examine your salmon and remove any needle bones by holding it in place with tweezers and gently pushing it out. If you are using fillets on the skin, make long, diagonal cuts into the skin so that the fish does not curl when cooked. You could remove the skins, but they’re full of fatty acids so I always leave them on. (I’m pretty lazy too.) Put them aside.

Prepare all the other ingredients. Remove the kernels from the cob, crush and peel your garlic, cut your pepper and half into slices, and rinse off your thyme and green onions. Mix 1/4 cup of salt with 2 tablespoons of sugar and sprinkle a little more than half of the mixture on all sides of your fillets until they’re coated with a sparkling salt and sugar crust. Let rest for 15 minutes.

While waiting for your fish to heal, take the pan you plan to poach your fish in – it should barely be wide enough to hold both fillets so that they stay half and half submerged when poaching. Hold the reserved corn on the cob vertically in the empty pan and scrape it off with the blade of your knife to extract all of those yummy sugars and corn juices. Add half and half, the corn kernels and all other ingredients (except salmon and side dishes) to the pan. Set over medium to low heat. (This would also be a good time to put your baguette in a 250 degree oven to reheat.)

After your 15-minute curing time is up, rinse your fish, blot it with paper towels to dry, and set it aside.

Half and half will never “simmer” fully, but it will froth. Once this happens, reduce the heat to low. Half and half should be steaming, not boiling or bubbly, though you may occasionally see a bubble or two. If a film forms, don’t fret, just stir everything up a little. Soak the corn, onions, and herbs in the steaming half and half for 10 minutes, then slide the fish in and cook for 7-10 minutes until it sets and flakes in the thickest part. If half and half doesn’t cover your fish all the way, don’t panic. Just gently turn it over with a spatula.

Image for item titled Welcome to Prix Fixed, our new menu planning advice columnPhoto: Claire Lower

Once your fish is cooked to your desired firmness and flakiness – and I assume Jordan has this under control since he cooks so much salmon – transfer the fillets to shallow bowls and remove the bay leaf, green onions, the Thyme and the pepper the poaching liquid. Scoop the corn and poaching liquid with the fish into the bowls and garnish the fish with spring onions, fresh thyme leaves and lemon zest. Then grind some fresh pepper on the fish and cut it in half. (Never skip the finishing– this is how a meal feels chic and complete.) Serve with your Nekkid tomato salad and crispy French bread along with a small bowl of this fancy flake salt.

For some advice on menu planning, send your request to Claire at claire.lower@lifehacker.com. Make sure you include as much information as possible, including dietary restrictions, protein preferences, budget, and kitchen equipment available. Please note that the processing time can take up to a week. You should therefore receive these inquiries in good time.

Updated 5/21/21 at 7:06 PM EST to add information on soaking flavors.

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