Pension annuity calculators give an estimate of how much retirement income your savings can get you. There are free calculators online that help you plan a comfortable retirement. Here are some jargon and technicalities that would come up while using pension annuity calculators: Annuity – It is an insurance contract that takes the form of an investment, providing an income source with periodic payments for an agreed upon time period for the investor and their beneficiary. Fixed annuity – It carries a guaranteed rate of interest and gives a guaranteed payout. Variable annuity – It depends on the performance of its underlying investments and the payout may vary every month.

• Choosing the wrong payout option might be detrimental to leading a comfortable retirement. The most commonly chosen option is, the payout for the full amount over a particular period and the balance left after death is paid to the beneficiary.
• The principal balance is the sum of money you pay (monthly contributions from a paycheck or an initial payment) to purchase the annuity.
• The standard formula for calculating payments includes PVOA factor (Present Value Of Annuity) which is available online.
• The future value of your current principle might not remain the same, owing to inflation and other unpredictable economic causes. Consider this while calculating to maintain a comfortable purchase power.
• A defined contribution pension plan is based on contributions from you and/or your employer, or a third party.
• Guaranteed lifetime withdrawal benefit is an optional benefit which provides lifetime income stream that can be turned on in the future.

Immediate annuity – It is purchased with a single premium and the payouts begin within one year of the contract date. Vesting - It is the process that gives an employee rights over employer’s contribution towards their retirement plan or pension plan, depending on how long the employee has worked there. You’ll receive more if you buy your annuity when interest rates are higher. Try out various online pension annuity calculators and enter different investment amounts to see what your retirement income might be.

The word 'cancer' can put you in a state of shock, as it has become one of the most frightening health conditions in the recent decades. The number of cancer patients is on a rise in many countries of the world, including the United States.

Cancer is a name given to a wide range of health conditions in which some of the body cells grow abnormally. It can occur in any part of the body, although some of the cancers are more common. It may not show up early symptoms. However, if you are vigilant about the changes that the body goes through, the chances of detecting cancer in its early stages are higher.

Knowing the early signs and symptoms of cancer can keep you stay hale and hearty. Cancer treatment options are much advanced these days and early detection can save your life. Read the major cancer symptoms here.

Signs and symptoms
The signs and symptoms of the condition depend on the part of the body where it occurs. The common signs of cancer that you should be aware are listed below.

However, you should visit the doctor only when one or more symptoms continue for a longer period without any reason.

• Fatigue and weakness
• Frequent fever, which is often a sign of blood cancer. It can occur frequently at night accompanied with night sweats.
• Weight loss due to no cause-This can occur in cases of cancer relating to digestive system.
• Unexpected weight gain
• Pain without any reason- Head ache, body pain, joint pains, pain in the bones, back pain etc has to be monitored.
• Changes in the skin- Rashes on the skin, yellowish tint on the skin, hyper pigmentation, redness etc. can sometimes hinting about cancer
• Change in the bowel habits that continues for a longer period
• A sense of thickening feeling under the skin in any part of the body
• Discomfort or irritable bowel after eating
• Presence of blood in the stool or urine
• Difficulty in swallowing food
• Coughing blood
• Soreness or wound that do not heal for a longer time
• White patches or spots in tongue or mouth

Signs that women should not ignore

Although the female body goes through different changes in the life cycle, there are certain signs that should never be ignored. Cancer in the female reproductive organs can be cured if diagnosed in the early stages. Keep in mind these symptoms:

• Discharge from the nipples
• Swelling or soreness in the breast
• A change in the shape of nipple
• Redness or difference in skin in the breast area
• Changes in the skin
• Unusual bleeding between menstrual periods
• Heavy bleeding or abnormally painful periods
• Swelling, fullness or heaviness in the abdomen
• Bleeding after menopause
• Chronic chest pain
• Shortness of breath
• Swelling in the lymph nodes
• Bloating or pain in the abdominal region
• Bleeding in the urine or stool

The declining personal computers market has seen a steady popularity of the all in one computers category due to tits ease of installation, use and up gradation. Over the last five years, even as the over all sales dropped in the declining PC market, the all in one computers kept gaining momentum and popularity in terms of sales, making manufacturers happy especially because these systems tend to be a little more expensive than regular desk top computers. It is easy to understand why these all in one computers are doing so well. The ease with which they condense and therefore simplify computing into one single, elegantly designed structure without the necessity of wires all over the place has certainly helped with their popularity. However, the main disadvantage of all in one computers is that in the long term, the basic functioning begins to get affected by the lack of space for upgraded components. The performance of the PC at the time of its purchase is an important factor in determining the duration for which it will work as a useful machine. Since the systems we are discussing are built to be thin, they have less space within for components and the cooling mechanism, making them somewhat the lower power versions of regular desktop processors and in some cases, even the mobile processors. A good example of this is the best seller Lenovo C50, with its Core i5-4210U which is a dual-core chip with a base clock of 1.7GHz and has a maximum Turbo Boost of 2.7GHz. But the thing is, when you look into the specifics, a $580 machine can easily bring with it a Core i5 quad-core with a base clock of 3.2GHz, but a traditional computer would still any day be much faster. This gap between the performance and price tends to increase in every segment. A $1000 price tag brings in a quad-core all in one computers with a 1080p display. For the same price, one can get a desktop that comes with a Core i7 Quad, enough RAM and decent graphics. Already slow to start with, all in one computers need to be upgraded more frequently. Although with time computers have increasingly become more efficient and last for years, the years do catch up and it wouldn’t be a problem if most systems were equipped with cutting edge technology in the first place. These systems tend to slow down more quickly than a traditional PC and don’t serve as very good platforms for upgrades. The BGA, or ball grid array processor found in almost all PCs of this category have a chip that is soldered onto the motherboard. This means that the user cannot replace or upgrade it. The display and the speakers also cannot be upgraded in most cases, and adding external hardware is just spending more money on something that should have already been there in a system. These two have become obsolete too, with time, although they last a lot longer than the processor. A typical monitor that was sold a decade ago had a 19-inch display with 1,280 x 768 resolution. The 1080p displays found today will be out of style by the year 2025, while the speakers may last for a decade with mediocre sounds. So the question is, what can a person upgrade all in one computers? Mostly it is limited to the hard drive and the RAM, though some systems might not even allow this. Most of the present day systems are shipped with two RAM slots and a single hard drive bay both filled up to their capacity. Replacing them means replacing the entire components making it an expensive affair.

Maintaining a car on your own is not a simple task. You need to be an expert to take care of your car to keep it going smoothly on road. To avoid bigger repairs, it is advisable not to neglect the minor repairs such as changing the oil and air filters, replacing tires and wiper blades, and scheduled maintenance should be on the top of the list. Follow the below-mentioned car care tips to keep your car in the best shape with longer life.

Change the oil filters

The most important car care guideline for maintaining a car’s engine is to keep a check on oil filters and change it when required. It is recommended to refer to your vehicle owner’s manual for the oil change procedure.

Check the brakes regularly

If you drive for longer miles and in heavy traffic, it is highly recommended to check your brakes. If you need to put an extra effort on the pedal or you hear squealing or grinding sounds, get it checked at the repair center.

Maintain the tires

For a longer lifespan of tires, you need to be careful with tire pressure, tread, rotation of tires, and balance and alignment of the tires. Check the tire pressure every fortnight for proper inflation to avoid any road mishap.

Wash the car

Maintaining a car’s exterior is equally important to remove dirt and dust that settle under the hood and affect the exposed region. To prevent any trouble in the future, wash your car regularly or take it to a washing service center. You can also use wax and polish on your car to give it a new look.

Replace windshield wipers

You should change cracked wipers that can leave scratches on the windshield, thereby, hindering the visibility of the driver. Replace them especially during winters and rainy season and if you regularly drive in harsh weather. Keep a check on washer pipes so that they do not get clogged and make sure they are working efficiently.

Car care products

You end up spending a lot of time driving your car to the office on weekdays and parties on weekends. Hence, you need to maintain your vehicle for its longevity and your own safety. Once you get on the road, your car is exposed to grime, dust and other harmful components – all these make difficult for you to maintain the car. We have listed out a few 3M car care products to highlight the best features of your car.

Abrasives

3M offers a complete set of abrasives that include sanding, rust grinding, and paint stripping to prevent your car from dents and rust, thus, maintaining a durable auto body with enhanced productivity. From basic sandpapers to advanced microreplication, a wide range of abrasives are available at 3M for small repairs to bigger ones.

Sealants and adhesives

3M delivers a vast array of sealants and adhesives that can adhere to various surfaces and save time and money. These adhesives are resistant to weather, moisture, vibration and even extreme degrees of temperatures while making the bonds stick and stay.

Scratch repair

With 3M scratch removers and rubbing compounds, you can make those minute scratches that can make your car look dull disappear. Be it a scratch on the door handle or rough marks on the car surface, the scratch removers provide a quick workaround for those small defects.

Automotive repair kits

Use a 3M repair kit yourself and save a trip to the service center for minor car care repairs. 3M provides multiple products for car repair that will save your time and money. You can repair a windshield, rear view mirrors, body panel, or any other minor part of your vehicle quickly with excellent results.

Tools and accessories

3M provides a wide selection of tools and accessories that include filler scoops, Bondo spreaders, dent pullers and much more for successful car repair work at home. 3M products are designed in a way to ensure a smooth project right from the beginning to end for car care.

Gone are the days when only Blackberry and HTC were the only business phone brands. These days, one can get various smartphones which either have inbuilt business phone features or to which features can be added using apps available in the market. Business phones are helpful to a large extent in running the business smoothly. These business features help in addressing any client, employee, or vendor issues on time. Here are some of the must-have features that you can find in the best smartphones for small businesses:

• Ability to connect to other phone systems: Some smartphones have a feature that let the user connect to another phone while still on an existing call. This will help you connect with clients, vendors, and employees to the concerned person who can address their issues.
• Large memory: Some of the best smartphones for small businesses have a good storage facility. This makes it easier to store important files, carry the files, and access them at your fingertips whenever you want. It saves time and efforts in sharing or displaying the files using a laptop.
• Great battery life: It does not matter if your cell phone has the best small business phone system, it is of no use if it cannot be switched on when needed. Smartphones with a long battery life and a short charging period are ideal, especially when on business trips where you may not always have the time to charge your phones for a long time.
• Ability to work on multiple windows: The best smartphones for small businesses usually have a feature that lets one work on multiple windows. This feature can help you get your work done faster and effectively even if you do not have access to a laptop or computer at any given time.
• Front camera: A front camera is an important phone feature needed to conduct video calls via the phone. Video calls are a great way to interact with clients who are in a different place and even for conducting video conferences or training.

These are just a few general must-have features for even a small business Internet phone. One can explore an array of such features for business purposes with the latest smartphones available in the market.

Understanding and comparing the money market rates starts with the basic knowledge and understanding of the money market account (MMA). An MMA is a type of savings account which puts a cap on the number of checks that you may withdraw from your account every month. The money market rate is the compound interest that you may earn on your balance and it is referred to as the annual percentage yield (APY). Although the minimum balance and deposits that you need to maintain in an MMA are higher than in a regular savings account, the APY on an MMA is more than the rates offered on a traditional savings account. Is an MMA suitable for you? Not everyone prefers a money market account due to the restrictions associated with it. However, if you prefer occasional access to the account and seek a higher yield, the account is ideal for you. There are a few accounts which offer the best money market rates. However, do not make an application for opening a money market account simply based on the market rate offered. Make sure you understand the pros and cons of the account. As mentioned above, the account requires you to maintain a higher minimum balance and failure to do the same might lead to penalty fees. Best money market accounts for 2018 Choose the best money market rates and an account which has a minimum balance requirement convenient for you to maintain. The rates on the account may vary from one bank to another. Moreover, there could be minor variations in the terms and conditions offered by the banks. Remember, the higher the APY, the better will be your earnings. This is because the interest gets compounded on a daily or a monthly basis and is usually credited to your account at the end of every quarter. Therefore, before you open a money market account, it is prudent to compare the rates and the requirement of minimum balance for the same. As of 2018, the highest rate is offered by VirtualBank, which is 2.01% and its minimum balance requirement is $100. It is followed by the All America Bank, which has an APY of 2% and a minimum balance requirement of $500. At the same level is the Redneck Bank with an APY of 2% and a minimum balance requirement of $500. Remember that the money market rates are subject to change depending on a number of factors.