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Park your money in Short Term Funds

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There is a plethora of investment options for investors to choose from. However, only those who are good at financial planning find it easier to come with a decisive investment strategy. Most investors focus on goal based investing as it becomes easier for one to target his / her short term or long term financial goals. Investment planning is easier when you have a defined set of goals. Of course, our life’s goals might change from time to time, but certain goals remain to poignant and investors must indulge in systematic investing if they have to find success with growing their existing financial wealth. Once you have a defined set of goals, the next thing for investors to do is understand their appetite for risk. Especially if you are investing in market linked schemes like mutual funds.

Mutual funds are a pool of professionally managed funds where the fund manager buys / sells securities in quantum with the scheme’s investment objective. The goal here is to help the mutual fund scheme beat its underlying index and in turn help fund owners earn some capital appreciation. What a fund house does is that it collects money from such investors who share a common investment objective and invest this pool of funds collectively across the spectrum. A mutual fund scheme, depending on its short term / long term goal, asset allocation strategy and risk profile may invest in company stocks, debt instruments, treasury bills, government securities, call money, certificate of deposits, etc.

While equity funds are considered by investors who have a long term investment horizon and seek long term capital gains some investors have short term goals to meet. These short term goals may vary depending on the individual and their existing liabilities and financial condition. However if you have surplus cash that you received by any means like a policy you invested for the long term matured or if you inherited wealth from your estranged aunt and wondering what to do with the lump sum, you can consider parking this money in a short term fund. 

What are short term funds?

Short term funds come under debt mutual funds. Debt mutual funds are open ended schemes which usually aim at generating capital appreciation by investing in fixed income securities that mature within one to three years. This makes them far less volatile to the fluctuating markets.  

Park your money in short term funds

Short term funds only invest in those companies that are known to repay their loans and have a proven track record. This makes them almost averse to credit risk. However, investors are expected to understand that this doesn’t make short term funds entirely risk free. There is always some risk involved when it comes to mutual fund investments. Also, be it equity or debt, mutual funds do not guarantee capital appreciation. Hence, even if debt funds like short term funds may seem like a wiser choice for investors to park their money, they should not depend on one asset class for income generation. 

A short term fund can be the perfect option for anyone who wishes to add some liquidity to their portfolio or for someone who has lumpsum capital at their disposal. Short term funds are known to offer way better capital appreciation as compared to conservative schemes and it is definitely a better option rather than just letting the money sit idle in your bank savings account. Short term funds give investors an opportunity to park their money for a short term and earn stable returns with relatively lesser risk. 

However, investors who are new to investing or financial planning are expected to consult a financial advisor before investing.

 

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In Finance

Continue investing in mutual funds via SIP to take advantage of market vagaries

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Mutual funds are one of the most sought after investment avenues for those seek long term capital appreciation. Investors who wish to invest in equities by lack the knowledge and skill to invest directly in the stock market prefer mutual funds for several reasons. First of all, mutual funds offer active risk management. This means that every mutual fund scheme is managed by a fund manager whose job is make sure that the scheme is able to beat its underlying index and help (mutual fund) unitholders earn capital appreciation in the process. Also, mutual funds invest across the spectrum in Indian and foreign economies as well as in marketable securities. One single mutual fund unit is a combination of multiple stocks and other securities. To find an investment scheme that offers such diversification is a rarity. 

Since mutual funds invest in various economies and money market instruments, the performance of a mutual fund generally depends on the performance of its underlying assets and the various sectors and industries in which it invests. 

Market regulator SEBI has further categorized mutual funds based on these schemes’ various unique attributes like fund size, asset allocation strategy, risk profile, investment objective etc. Equity, debt, hybrid, ETF and gold are just few of the several mutual fund categories available for investment and hence, investors depending on their appetite for risk should keep a diversified investment portfolio. 

No matter which mutual fund scheme you choose to invest in, there are always two investment choices available for investors. They can either make a one time lumpsum investment and pay the entire investment amount right at the beginning of the investment cycle, or they can opt for a Systematic Investment Plan. 

What is Systematic Investment Plan?

Systematic Investment Plan, abbreviated as SIP, is a method for investing in mutual funds. SIP is probably the easiest way to invest in mutual funds especially if you wish to inculcate the discipline or regular investing. An individual must be KYC compliant if he or she has to start a SIP in a mutual fund scheme. Investors need to first decide on an investment amount they are comfortable investing at regular intervals. After completing a one time mandate with the bank, every month on a fixed date a predetermined amount is debited from your savings account and electronically transferred to the fund.

Those who are new to investing and not quite sure about how much money they need to invest in mutual funds via SIP can refer to a free online tool like SIP calculator. 

Can SIPs help investors take advantage of volatile markets?

SIP is a way to invest a fixed amount at regular intervals (mostly every month). SIP investors with a long term investment horizon might benefit from a technique referred to as rupee cost averaging. Since the investment price remains constant in SIP, whenever the markets are low and so is the NAV of the mutual fund scheme, more units are allotted to an investor’s portfolio. Similarly, when the markets are performing and the NAV of the scheme is high, less units are allotted. Rupee cost averaging takes advantage of the fluctuating markets and allots units to an investor’s mutual fund portfolio in a smarter way. This mechanism also makes sure to adjust the investment risk depending on market fluctuations. This is the best strategy to buy more fund units when the markets are low and less when the markets are less. 

SIP might be the ideal way to invest in mutual funds especially if you wish to remain invested for a longer time period. But it is always a good idea to do some background search about the scheme and its past performance before investing.

 

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In Home Improvement

Repair And Maintenance With RV Adhesives

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Many times while working with some high duty jobs, we tend to drop and damage them. This damage leads to a wastage of many such jobs. Human error is bound to occur; hence there should be a solution for these casualties to save the jobs. While handling damaged projects, RV adhesives come in handy. They are also useful to fill in gaps in the RV vans.

The use of RV adhesives can do the sealing of gaps around air conditioners and motorhomes. Rv homes undergo a lot of weathering due to being exposed to various kinds of environmental conditions. The RV owners can easily use these RV adhesives for sealing severe water leakage damages before it can cause serious injuries.

There are a couple of RV adhesives available in the market today; the various glue are as follows:

  1. Lap Sealant

Lap Sealant is one of the best sealants out in the market. It is very flexible for RV campers. It can quickly seal cracks and holes; this prevents many motor homes from water leakage problems in the rainy season. It is a strong adhesive that can help seal objects made of most materials like aluminum, fiberglass, wood, etc. It is the best choice for RV owners as it can be practically used in any part of the RV, especially on the roof, as most of the problems arise on the top than any other part of the RV.

Owners can use leap sealants on the windows on the motor home. This sealant does not have any color; hence on the application, it does not make the sealed area any different from the other regular parts; if at all anything, it makes the homes look brand new. It is also resistant to its UV rays, so it would not affect exposure to the sun.Most of the higher-grade lap sealants are also water-resistant, which is best for rainy days.

  1. Flexible sealant

This sealant glides on the job seamlessly and gives an excellent finish. This sealant levels itself to the job level without having to put any effort into doing so. This sealant is best for the cracks on air conditioners, air coolers, compressors, etc. They are a bit pricey than the other adhesives but perform the job exceptionally well.

These sealants are very flexible and painting on the sealed area is very easy.

  1. Adhesive sealants

These adhesive sealants are flexible in slight compression and expansion of the job. These adhesives are marine grade sealants. They are strong enough to have the strongest bonds in the marine environment. It takes the least amount of time while sticking parts together. As this adhesive sealant stays for many years, it is considered the best maintenance essential that every motor homeowner should own. They grow strong over time.

This sealant shrinks and expands occasionally but maintains the strongest bond for the broken parts.

The right RV adhesive can save you from selling your RV and seal any of the damaged points. They are easily applicable to any surface. Owners can use them to the most intrinsic parts of the motor homes. Most of the motor owners have claimed the adhesives to be their best friend in camping times when repair of the RV can be a hassle.

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In Shopping

Bloody Stools and Babies: Causes and Treatments Parents Should Know

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While poop is a normal thing and it is harmless but it can be an indication of medical problems. These problems or issues require immediate medical treatment. Coupon.com.kw lets parents learn about causes and appropriate treatments of bloody stools. Moms should keep Babyshop coupon code for baby care especially during the first few months. Here is how moms can ensure good health of their babies. 

Looking into the Diapers:

The color of poop is an important factor. Changes in color of poop indicate certain things. For example, pale green poop show that baby is suffering from cold. During the first few months, the baby will pass stool in different colors such as green, yellow and brown. These are normal colors indicating that baby is in good health. 

What Bloody Poop Shows?

What do you see in the diaper? Remember, red poop doesn’t mean that baby is passing bloody stools. It may be due to the red tinged foods such as fruit punch, beets, tomatoes and even some candies. Observe the poop color for several days in this case. It will turn normal with the passage of time. Avoid some red tinged foods during this period. However, parents should seek medical attention if they see red poop or consistency in bloody poops.

Milk Allergy:

No doubt, bloody stool is unlikely happen due to milk allergy but parents should consider it. Milk allergies are silent killers. These develop certain infections in the stomach including the small and big intestines. This leads to bloody stool in routine. 

Hurting Strollers or Baby Walkers:

Stomach is the main body part receiving major pressure when a baby exerts force in a walker. Check the walker if it is hurting the stomach. Replace it immediately with a comfortable walker. Coupon.com.kw suggests Babyshop coupon code for budget-friendly shopping online. Also find the suitable strollers keeping the baby comfortable and easy. 

Maternal Nipple Wounds:

Check your nipples before breastfeeding. Do you see swelling or certain cracks? This is an indication of nipple injury. Your baby may accidently swallow blood while breastfeeding. This situation leads to black and dark red flecks in stool if happens for longer. This is not a serious concern but you must treat the nipples to avoid further injury. 

When to Find a Doctor?

Parents should know when it is the time to see a doctor. Ask some experienced mothers. They will tell some home remedies to treat the stomach and bloody stools. However, you must contact a doctor immediately in the following situations. 

  • Excessive blood in stool.
  • Inconsolable crying or fussiness. 
  • Fatigue.
  • Black stool. 
  • Anal injury. 
  • Baby refuses to drink or eat.
  • Bloody stools accompanied with diarrhea or constipation.

Coupon.com.kw is a consistent service assisting the parents in various parenting tasks. It strongly urges to utilize Babyshop coupon code in various tasks such as shopping baby strollers, nursery items, walkers, feeders, diapers and more. Take advantage of this amazing facility and save money for some crucial tasks such as buying quality formula milks for babies. 

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In Business

Remote Working and Security Threats: How to Keep Your Devices Secured

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The quick spread of the coronavirus triggers an abrupt transition towards remote reworking. Organizations around the globe were not supportive of this quick shift in the mode of working. This was mainly because of security threats to their data.

It has been observed that remote workers tend to show higher negligence towards keeping their devices secured to protect the company’s data.

Coronavirus gave birth to remote working which is now known as the new normal, but there is still one thing that was not a by-product of the pandemic. And that is cybersecurity threats.

The first cyberattack ever recorded was in 1988. The Morris worm started to install itself on the computers, which resulted in computers getting infections and debilitating before finally crashing.

These attacks damaged 6,000 computers.

And now with more than half of the world using the internet, we can only assume how cyber society threats must have accelerated.

Here is a little insight into this:

According to the University of Maryland, hackers attack vulnerable devices an average of 2,244 times a day.

If you want to know about damage cyber-attacks causes to an organization, here is one more stat to clear the doubt:

An average cost of a data breach was $3.92 million in 2019, according to Security Intelligence.

Moreover, the health care industry alone in 2019 lost $25 billion to hackers, as per the reports of SafeAtLast.

Cyber Threats and Remote Working

According to VPN Brute Force, knowing about remote workers’ leniency towards cybersecurity during work from home, attackers now have a greater surface to practice their malicious activities.

The CyberSecurity Pandora Box of Remote Work reports that 48% of the respondents from the United States say that they are receiving phone calls, phishing emails, texts in a personal or professional capacity since they are working from home.

Another survey by the Next Caller found out that 44% of respondents noticed that they are receiving an increase number of calls, text, and emails for unknown sources during the pandemic.

One of these false attacks led to a French pharmaceutical company lose $7.25m to a fake purchase of and sanitizers and protective masks.

Phishing Attacks

The Cyber Security Pandora’s Box Remote Work says that employees working from home in the States reveals that they were hit by phishing emails each week since they are working remotely in the pandemic.

Moreover, hackers even imposed as WHO in the mail to trick the public into channel their donation to a fake fund.

Zoom became a victim of hackers attempt to impersonate Zoom Video Communications and lead users to infiltrate video sessions.

As per the Abnormal Security, these types of malicious emails are quite convincing. They include links to landing pages that are similar to what a user would expect from a Zoom website.

One quick way to protect your devices from malicious attacks is by fully securing it from your side.

First thing first, make sure you have reliable and strong internet service. There are a lot of options to choose from if you are living in the United States.

For Instance, Cox Cable Internet is one strong and reliable internet service provider that can assist you in making sure your work from home is performed efficiently and securely.

After this, make sure you do not log into unsecured networks but only use your home Wi-Fo to access your office-based devices.

Password Sharing

The US respondents in a survey were complacentin sharing their passwords. 23% of them admitted that they shared their passwords with a third party since they are working from home.

The only way to make sure that your devices are secured is by realizing that your password is just like your toothbrush, you are not supposed to share it with anyone.

It has been observed that people easily share their passwords with third parties that including partners, roommates, and friends.

Using Personal Devices

In the pandemic work from the home session, only 17% of respondents said that they used employer-issues devices for work.

This means that the rest of the respondents were using their laptops, smartphones, and other devices to complete their office tasks.

This is the most harmful thing you can do to your company and yourself. So instead of putting your and your data at risk, make sure you use the employer-issued devices, while you are working from home.

Learn the Needful

To make sure you protect your company’s valuable data and also your integrity and employment at this point, you should not shy away from connecting to the IT team. Get all the required knowledge from your IT team on how to protect the devices while working from home.

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