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Short term debt funds for short term goals

Debt mutual funds can be classified as per their holding period such as short-term debt funds and long-term debt funds. The meaning of short-term debt funds is that they invest in debt and money market instruments with a Macaulay duration of the portfolio between 1 year – 3 years. Short -term debt fund returns have low volatility..

Investors who are conservative or want to keep a certain portion of their assets in fixed income bearing securities can invest in short-term debt mutual funds. Debt funds, amongst themselves, have different risk profiles, which allows investors to choose funds based on their risk appetite and return expectations in these funds. Investors in debt mutual funds are exposed to inherent risks such as interest rate risk, credit risk, illiquidity risk and market risk etc. Interest rate risks refer to the risk in your investment when prices of the securities purchased move up or down due to changes in macro-economic conditions like higher inflation, higher government borrowings, adverse effect on rupee due to higher current account deficit and other global market developments. Credit risk refers to the risk, when the securities which the fund is holding get downgraded or when there is a possibility of the issuer of the security defaulting in payment of principal or interest. Market risk refers to the risk of the underlying securities cannot be liquidated at the price at which it is valued, due to markets not being deep enough to absorb the sale of the securities. Investors who want to keep their money for very short periods but looking for slightly higher return than savings account and willing to take market risk may invest in Liquid Funds offered by mutual funds. These liquid funds are short term debt funds in nature and invest in Instruments which mature within 91 days.

So if your goal is for a very short period or if you are investing in a different asset class or you have almost reached your goal, it is generally suggested to switch to debt funds as they are less volatile than equity.

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Essential Things You Should Know About Denture Repair

One of the most vital parts of our body is our teeth. This is because it helps us perform crucial functions to ensure we stay alive and healthy every day. When we eat, our teeth enable us to chew on food to digest more quickly, among other things.

Our teeth also play a significant role in contributing to our regular appearance and boosting our confidence. This is because a white set of teeth that is evenly distributed and adequately cared for will always give us a cuter look and boost our confidence when we smile. These, among many other things, are some of the reasons we must always pay adequate attention to proper care for our teeth.

Sadly, though, our teeth can not remain perfect forever. At some point in our lives, or for some reason, we might need to get dentures support for our teeth. When this time comes, you must care for your denture as much as you have cared for your teeth.

This article will reveal some of the top essential things you should know about denture care and repair; read on to find them.

What is Denture Repair

Many people find it confusing when denture care is mentioned around them, and they often wonder what it means. Denture repair simply entails the process of fixing a cracked, damaged, or faulty venture. This is mostly done when a venture breaks, has a crack, is stained, or has any other type of problem.

Types of Denture Repair

There are two primary types of denture repairs, including partial and complete denture repair.

Partial Denture Repair

This entails a minor fix on the partial denture to return it to top shape and make it healthier. It is usually done when the patient has a few loose teeth, a small crack, or a denture stain.

Complete Denture Repair

This involves the overhaul of the patient’s dentures for new ones. It is often done when more teeth are loose or missing. It can also be done when the remaining teeth in the patient’s mouth have become very weak and can not carry new denture sets.

When do You Need a Denture Repair?

A lot of people make the mistake of thinking that their dentures will last them a lifetime. This assertion is not valid. Dentures often have lifespans, according to their quality and how much you care for them. For instance, if you are in the habit of always leaving food particles stuck between the teeth, it will not last very long. Also, if you keep dropping them on the floor, they might get damaged very soon.

When your denture gets damaged with a crack, stain, or some loose teeth, it is time to visit your dentist for repairs. However, you can also prevent frequent visits to the dentist for denture repairs if you care for it adequately.

How Long Will a Denture Last

As stated earlier, several factors can play a role in determining how long your denture will serve you. Some of these factors include the denture’s quality and durability, how well you care for it, and how you avoid accidents with them. If all these factors are positively answered to, then your denture might last and serve you longer.

Conclusion

Dentures can help you maintain the full functionalities of your teeth, even when the teeth have become weak, broken, or loose. At some point, however, you will need to maintain or repair your denture to keep it in top shape. Some essential tips about denture repair have been discussed in this article.

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Self-pleasuring Exhibition: Putting on a Show for Your Partner

One of the problems with self-pleasuring for many men is the fear of getting caught, especially by their partner. Even though regular self-pleasuring is part of a healthy intimate life and an important part of manhood care, there’s still a stigma attached to being caught. But what if one were to purposefully engage in an exhibition of one’s self-pleasuring practices?

Women really are interested…
According to many surveys, there’s actually considerable interest among women in watching an exhibition of a man’s self-pleasuring routine – especially if the man in question is their partner.

Certainly, times have changed. A few decades ago, a woman walking in on her husband or boyfriend fondling his member would have been utterly shocked (although she might also secretly have been a bit turned on). But today, people are much more open and honest about the fact that people self-pleasure – men especially, so it’s more accepted.

But being more acceptable doesn’t mean it is any less titillating. Although a woman may have engulfed a man’s manhood orally, taken it inside, and caressed it and stroked it countless times, there still is a sense of mystery attached to self-pleasuring. (And not just for women seeking to see a man self-pleasure; videos of women stimulating themselves are among the most watched online by men.)

How to bring it up….
How does a guy know if his partner wants to see him self-pleasure? She may have dropped hints – perhaps slyly joking about him doing it at some point. But it’s more likely that she has kept such thoughts to herself. In which case, it’s up to the man to raise the subject.

In some relationships, a man could simply say, “Would you like to watch me self-pleasure? I think it’d be hot and it would mean a lot to me.” In other relationships, it may be necessary to introduce it slowly – saying as she is slipping off her clothes for a turn in the sheets, “I’m so hot for you I can barely keep my hands off myself” or as one leaves for work in the morning, “You look so hot I’m going to have a hard time keeping my hands off myself thinking of you today.” This can then lead to a discussion of wanting to put on an exhibition for her.

Set it up…
One it’s established that there is interest, decide what to do. Is she anxious to see her man self-pleasure right away? If so, dropping the trousers and going to it is fine – if the guy is ready for it. He may suddenly feel performance anxiety and prefer to ease into it.

If her curiosity is piqued but she’s not ready to experience it at that minute, decide the best way. Some scenarios include:

• Setting up a time when she can “catch” the man at it.

• Establishing a time when she can follow the man through the entire process – getting aroused, taking off clothes, stroking to hardness, etc. all the way through cleaning up with tissue.

• Having the man film a session and then letting her experience it through video – perhaps with the man watching himself won the video with her.

The key is to establish what fits the comfort level for both parties and then following through.

Engaging in self-pleasuring exhibition can be thrilling for both parties (and may lead to the female partner sharing her own self-pleasuring processes as well.) Since any man wants his manhood to look its absolute best when on display, he needs to be sure to use a superior manhood health crème (health professionals recommend Man1 Man Oil). Many manhoodes sport an unattractive “wrinkled” look, which can be fought by using a crème with alpha lipoic acid, to fight the oxidative stress that can contribute to wrinkling. The crème should also contain both L-arginine and vitamin C, ingredients each of which contributes to proper male organ blood flow – a key component of male function. Displaying one’s self-pleasuring prowess will be more fun if the manhood is in tip top health.

Visit http://www.menshealthfirst.com for additional information on most common manhood health issues, tips on improving manhood sensitivity and what to do to maintain a healthy manhood. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

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