How should you make mutual fund performance analysis?

You should not solely rely on performance rating by third party websites and mutual fund returns for the last year to assess the best possible mutual fund for you. This is because performance keep changing every year. The top performers of today may not be on the list next year. When making a mutual fund comparison, there are specific performance indicators that you need to look out for. Let’s evaluate them here in detail.

Look at returns beyond 1 year: You need to evaluate the mutual fund performance over 1 year, 3 years, 5 years and 7-year performance. A reasonable yardstick is the mutual fund performance over the last 5 years.
Mutual fund performance comparison against benchmark: You can start by making a mutual fund performance comparison against the benchmark. When you compare, you need to evaluate the period of consistency during different market cycles against the benchmark. This will help you assess whether the mutual fund has outperformed or underperformed the benchmark.
Risk-reward tradeoff: You need to understand how effective is the mutual fund in offering risk-adjusted returns. As per risk-return tradeoff, if you take a higher degree of risk, it should be compensated by a greater level of returns. For instance, small-cap funds more significant downside risk, but it also has the potential for high returns. The risk is measured with the help of specific mutual fund performance indicators such as standard deviation and Sharpe ratio. Standard deviation is how much the mutual fund performance deviates from the benchmark. The greater the standard deviation, greater is the inherent volatility. Sharpe ratio is the return per unit of risk. In other words, it evaluates the risk-adjusted returns. Look for a fund with a higher Sharpe ratio to earn a better risk-adjusted return.
Compare Average Maturity and Duration: While evaluating debt funds, the average maturity and duration of the fund should match your investment duration. The Average maturity relates to the period after which the underlying securities will mature. A short-duration debt fund has lower interest rate sensitivity than longer-duration funds. You can use Macaulay Durations and Modified duration to evaluate the risk of investing in debt funds. Macaulay Duration indicates the time it takes for the price of the underlying bond in the debt fund to be repaid through its internal cash flows. Modified duration indicates how much the NAV of a debt fund would change if interest rates move by 1%.
Compare Fund’s cyclical performance: Evaluate how effective is the fund manager in outperforming the benchmark across different market cycles. A good mutual fund performance indicator is the Alpha. Alpha measures the return over the benchmark index. When making a mutual fund performance comparison, a fund that generates alpha indicates a well managed fund.

You can use the above mentioned mutual fund performance indicators to help you compare two mutual funds and make a decision. It would help if you considered your financial goal and risk profile carefully in this exercise.

What mistakes should investors avoid when evaluating mutual fund returns?

Every investor, at some point in time, makes a mistake while evaluating investment decisions. There are five valuable lessons learned in the investing arena from these mistakes. Let’s understand them in detail.

Mutual Fund returns over the past year: This is the most popular form of comparing two mutual funds. Comparing mutual fund returns in India over the last year may be the starting point of assessing mutual funds. However, you should look beyond 1 year to make a realistic expectation of the mutual fund returns.
Investing without a financial goal: Your investment decision should not be based upon recommendations of friends and a good financial advisor is a must. For example, suppose you are planning to invest for your children’s education and you have 10 years, you can consider investing a diversified equity fund portfolio instead of parking your money in a debt fund or a fixed deposit. Once you have a financial goal, you can use a mutual fund return calculator that helps you to get an idea of how to calculate mutual fund returns with time.
Timing the market: Another mistake that mutual fund investors make is hasty decisions to redeem or sell their investments due to market uncertainty. Do not invest with the intention to reap short-term profits. You also need to understand that mutual fund returns are taxable. On redemption, the capital gains are taxed as per the holding period. For equity mutual funds, short-term capital gains are taxed at 15% while long-term capital gains are at 10% for gains exceeding Rs. 1 lakh. Taking a hasty decision can be detrimental to your wealth creation journey.
Mutual fund returns comparison without factoring your risk appetite: You need to assess whether, for every risk you take, you are getting commensurate performance/returns? Solely evaluating mutual fund returns won’t suffice, you need to assess the risk-adjusted return using performance indicators such as standard deviation and Sharpe Ratio.
Over-diversification: Diversification is a good thing, but over-diversification is not. For the sake of earning additional mutual fund returns, do not resort to investing in too many mutual funds.

What Your Family Should Know About Debt Consolidation

We are a society of debtors. No matter how hard we try, it always seems like we owe more money than we make. This is especially true with families in North America. Household debt as a percentage of disposable income increased by over 170% in 2020. Part of this is due to the coronavirus. However, many families were already in debt before the pandemic took hold. Now, they are looking for a solution to right their ships. A possible way to return things to normal is a debt consolidation program. Here are some things your family should know about this form of payment option.

It Combines Debts Into One Payment
The biggest issue families have when controlling debt is to get it down to a manageable amount. With added late fees and interest, it feels like the total added to the principle is minuscule. A debt consolidation program works similarly to a standard loan for a home or car. You’re provided with an amount that closes the accounts of creditors, utilities, and other vendors. In exchange, you pay down the loan.

Firms Work To Negotiate Lower Payments
While debt consolidation firms want to help you, they also try to lower the amount of the loan provided. They do this through a similar exercise as a bankruptcy trustee. They negotiate for a lower pay-off amount. This normally works with loans from other banks, credit card companies, and debt collectors. In negotiating with these organizations, the consolidation firm minimizes its liability. Furthermore, it allows you to quickly pay down the loan.

It Is Not A Form Of Bankruptcy
A debt consolidation program is not a form of personal bankruptcy. In this practice, a trustee is brought on to negotiate with creditors on amounts owed. While bankruptcy features an amalgamation payment similar to consolidation, the effects it has on your credit are more harmful. For example, debt consolidation in Canada is in the form of a loan. Firms support these programs to help families reduce their debt difficulties.

Payment Plans Are Flexible
Though you still make monthly installments on a debt consolidation loan, the time it takes to close it out is flexible. Firms work with you to establish a reasonable payment amount and the months or years you feel it takes to finish things up. There’s a caveat to this. The greater the loan’s length the more interest your family ends up paying. Granted, the value applied to the principal increases over time. However, it’s more incremental for a 60-month loan than for a two-year plan.

It Doesn’t Cover All Debt
Most unsecured debts can be included in a consolidation program. This is in the form of credit cards, mortgages, or auto loans. Yet, some things can’t be added to a debt consolidation program. For example, student loans. Though these are unsecured they tend to be held by a government entity. Thus, consolidation takes place within that institution. Unpaid taxes are also not permitted for inclusion in a debt consolidation program.

Not all Debt Consolidation Programs are the Same
Most debt consolidators want to help you get past the burden of owning money. Hence, they work to get the best value for a program. Nevertheless, not every firm is so giving. Though they say your payments are considerably less than the total of your individual transactions, that statement might only refer to the principal. The exorbitant fees and interest rates they apply make your monthly installments even higher. This is why you must perform a thorough investigation of debt consolidation organizations before a contract signing.

Debt Consolidation is One Step Toward Financial Freedom
Here’s the most important thing to know about debt consolidation programs. They only work well if coordinated with other steps toward financial freedom. To put it another way, you remain in debt if your family continues the same practices.

Conclusion
So, as you pay down your consolidation loan you must learn how to work well with money. This means reducing your expenses, creating a budget, and eliminating the use of credit cards. These changes help get out of the financial basement and into a world of financial security. In the end, don’t let the positives of a debt consolidation program falter.

Shark Deterrents – Past & Present

Since humans have gone into the water with sharks the desire to be able to repel sharks has always been ever-present. The natives in the Amazon used red peppers dragged behind a boat to stop bull sharks and many other ancient cultures used many other methods with little or no definitive success.

Until the 1900′s no real effort was pursued and the pivotal moment was the USS Indianapolis which was sunk in World War II. Once the sailors went into the water the ocean white tips and other open ocean sharks picked off those who survived in great numbers.

This prompted the US navy to develop a shark repellent that would give sailors a sense of comfort and safety if they found themselves in the water with sharks. The packet was composed of a dye and copper acetate as the main ingredients which in some cases deterred sharks. There was also a bag that the sailor or airman got into which masked his scent and hopefully prevented a shark attack.

Under optimal conditions these deterrents and protective measure worked but the shark being one of the ultimate predators of the oceans was not always prevented from attacking the person in the water. So many conditions need to be perfect for these deterrents to be effective such as the type of shark, the water conditions, salinity, current, proximity to the shark and how hungry the shark is.

In recent years technology has improved and so have innovations in shark defense. Magnets, electro-magnetic fields and chemicals have been developed with varying claims of success.

Some of the products on the market today are the shark banz, shark shield, shark replusion, shark chaser, electronic shark defense system, shark defense and a new entry being, shark bio barrier. Well, the shark may or may not be affected by any or all these systems at any given time, place or condition. That’s a fact!

The prices range from $25 to $499 and everything in between. One thing to consider if the shark deterrent is an electronic device then the salt water will eventually render it useless. If it is a passive magnet device then it won’t break but the science is still uncertain as to its effectiveness. And if it depends on a dead shark chemical then it still is affected by currents, the type of shark, water conditions and other variables. In other words nothing works all the time every time, period!

The thing about sharks is they are smarter than we realize and will sense that the particular deterrent they are dealing with has its limitations and will exploit the limitations by testing what it can or can not do. Remember that all the testing in the world will not prevent an ambush attack or an aggressive shark such as a large bull or tiger shark.

The shark deterrent, shark bio barrier is based on the shark’s smell and electric sensing system and it is a passive system which can’t break or fail due to a malfunction. The bio available essential oils with the natural magnetic mineral, magnetite work in combination to mask your odor, make your presence unpleasant and disrupt their electric sensing system. Priced at $29.95 for the recreational size it is very affordable and comes in a canister with a built in brush so you can lightly coat different objects on your person prior to entering the water. Very easy to apply and remove.

Is it perfect? No, nothing is and may never be! There are so many different species of dangerous sharks that under various conditions will attack out of curiosity, hunger or outright aggression. There are too many variables in play to guarantee total shark deterrence but if you are able to deter many of them then you are much safer than the people who choose to use nothing at all. Peace of mind is priceless and anything that can provide it is also priceless.

Do your own research and make an educated decision on what shark deterrent you want to depend on. Something to consider is that the US Navy has not officially endorsed any shark repellent on the market today and they have the most stringent testing requirements in the world today!

Noticing – Deliberate Embodiment in the Present

It’s not generally easy for us human beings to adopt new habits. One thing that helps is to make them easy. Noticing is a habit made easy by my seventh grade teacher and Dick Olney.

Living in Turkey, it was natural to hear the call to worship several times a day. A teacher at the time invited our class to pause whenever we heard it, be quiet, still our bodies and notice. That stuck. When I moved back to the states, sirens and red lights and now the sound of an airplane overhead invites that same pause -modern mindfulness bells.

Long before mindfulness was as accessible as it is today, Dick Olney occasionally talked about noticing practice. He taught how noticing practice can help us “Think in other categories.” What he meant by thinking in other categories is to wake up, to wake up from the bad dream of who we think we are IN ANY GIVEN MOMENT.

Woman: What I really want is to love, value and appreciate who I really am.

Dick: What about just experiencing it?

(Excerpted from Alive and Real)

Noticing is a practice like that, an invitation into becoming aware of your experience in the moment. This awareness is an invitation in gradual expansions in acceptance. For acceptance is free from the pull of liking or disliking. The awareness that comes from noticing without the inhibition of judgment, criticism or evaluation is liberated from clinging to some idea of good or bad, right or wrong, pleasant or unpleasant.

Noticing practice can also be an antidote to apathy or pain. You may find yourself savoring the floating moments of time – but that is NOT the goal. The goal is to simply notice.

I took to heart Dick’s teaching not to wait until you are in the middle of a fire to practice a fire drill. This idea struck a chord with me. I had been a dancer for about 20 years, practiced yoga and meditation for several years by the time I met Dick. Practice makes sense to me.

Though I do meditate, my noticing practice is not a formal sit down mindfulness meditation kind of practice, but a walking around and pausing to experience life in this moment kind of practice. The savoring of life’s floating moments happens unbidden, surprising me. It’s a habit that bears fruit in the most surprising places.

Of course, noticing involves acceptance. The more complete the experience of acceptance is, the more interesting I find the noticing and vice versa. It can become a pleasant game of acceptance. Practicing acceptance in this way becomes alive.

In the beginning, it is useful to put your attention to various elements of life generally thought to be noxious, like smelly garbage. Ask yourself, “can I accept this?” Remember, you don’t have to like it, you don’t have to somehow agree that “it” is OK. The question is “can I accept this?”

Practicing with inanimate objects can have an effect when you encounter another person who you judge as somehow not good or OK, somehow less than OR greater than. First, accept that you are judging them (and you). Then, practice accepting them in that moment. Your acceptance does not mean that you like or approve. It means you can accept that they are present.

For a more disciplined approach to noticing practice, try these tips:

Set a reminder on your phone or watch every couple of hours or so. You could use an app like CHILL that has inspirational quotes.
If you spend a lot of time in the car, use stop lights and stop signs to notice.
For 30 seconds to 1 minute pause, notice. Become aware. Notice your thoughts. Notice the images around you, emotions in the moment and body sensations. Take a few easy breaths. Just noticing.
Don’t aim to find something to appreciate. Linger as you like.
Simply notice the creation. Notice without the inhibition of judgment, criticism or evaluation.
Notice your thoughts.
Notice your breath.
Use your senses – what are you seeing, feeling, hearing, tasting – what are you sensing?

Presenting a Handsome Penis During Naked Yoga

Yoga has caught on like wildfire, and for good reason. People use yoga as a way to relax, to test their body, to connect their body and mind and find a ‘centering’ experience that results in much more than a stronger body. In fact, this connection between the mind and body can be so strong that proponents of yoga have been searching for new ways to enhance it. That’s where naked yoga comes in. It’s exactly what it sounds like, and it’s a strong possibility for those men who are interested not only in good penis care, but in overall health as well.

Naked yoga is often just like typical yoga, though the people in the class are completely unclothed. It’s important to remember the idea is not to become aroused or to seek out a date at these events. The idea is to simply admire the human form while feeling the freedom that comes from wearing nothing at all while pushing your body to move in challenging ways. Besides that, the classes have the bonus effect of making people more comfortable with nudity, whether their own or that of others, which can have a positive effect on their personal life outside the studio.

Making sure the penis is ready for yoga

When a man goes into a naked yoga class, he might be quite self-conscious. After all, he is showing off his equipment in front of strangers! That’s why it’s so important to do whatever possible to keep a very handsome penis ready to go.

Here are a few tips a man needs to get ready for naked yoga:

1. Pay attention to hygiene. Naked yoga means the penis will be exposed to everyone else in the studio, so a guy should take care to make sure everything is as clean as possible. This means a very good shower right before he leaves for class. Take care to use proper cleansers to avoid dry penis skin. Intact men should clean well under the foreskin. All men should consider manscaping to help ensure the best look possible when they drop their clothing for the class.

2. Use a proper penis health crème. The use of a top-notch penis health crème on a regular basis can help keep the penis as smooth and supple as possible. The right ingredients, such as vitamin A, can also help fight penis odor, making a much better presentation for those in the room. Using the crème every day, and especially before a naked yoga class, is recommended.

3. Don’t sweat the erections. When a man engages in naked yoga, he is likely to have an erection at some point. This might be because he becomes aroused by the naked bodies, but it’s just as likely that it comes from all the physical movement and activity he is doing while he’s “in the zone” and enjoying the yoga moves. Don’t worry about the erections, as this is quite common and shouldn’t be a focus of concern for anyone in the class. After all, everyone should be there for the yoga, not for the ogling!

Choosing the right penis health crème

As mentioned earlier, a specially formulated penis health crème (health professionals recommend Man 1 Man Oil, which is clinically proven mild and safe for skin) can be quite helpful when it comes to creating the most handsome penis possible. Look for a crème that contains not only vitamin A for odor-fighting properties, but vitamin C for collagen enhancement, vitamin E for significant hydration and vitamin D for overall health of the penis. Shea butter makes for a great foundation for any crème; it provides top-notch hydration, which is important to avoid unsightly dry skin and keep the penis looking as handsome as possible.

Type 2 Diabetes – A Prediabetes Diagnosis Presents A Chance To Change or Improve

Did you know being diagnosed with prediabetes is good news? Well, at least if you consider yourself the type of person who sees a glass as half full. While prediabetes tends to catch many people off guard, it is in reality, a warning of what is to come if no action is taken to be tested regularly to be sure you have your levels back in check. And by realizing a prediabetes diagnosis has this silver lining, you can act to prevent the problems that go hand-in-hand with a Type 2 diabetes diagnosis.

Your blood sugar levels are not quite high enough to give you a diagnosis of Type 2 diabetes, but it means you are on your way unless you intervene now. When it comes to dealing with a prediabetes diagnosis, this is the time to deal with your rising insulin levels which may be very high, although your fasting blood sugar may be only mildly elevated.

How are you dealing with this, or how would you act if it happened to you? Take a brief moment to reflect.

Being diagnosed with full-blown Type 2 diabetes is not the end of the world. Even though it is a harmful and deadly disease, there is much you can do to stop insulin resistance and the ensuing high blood sugar levels in their track. Therefore, the first step to dealing with being diagnosed with prediabetes is to stay calm.

What prediabetes means is your blood sugar levels are higher than normal – but not enough for you to be considered a Type 2 diabetic. Prediabetes is defined as having a fasting blood sugar reading of 100 to 125 mg/dL (5.6 to 6.9 mmol/L). Since you are somewhere in between, you are in a great position to recover. With just a few lifestyle changes and the guidance of your healthcare provider, you can reduce your blood sugar back to a healthy range and no longer be at risk of developing a concerning disease.

Besides, it is a likely time for you to make some changes in your life anyway. Most of us could either start to exercise or afford to put in more effort. More importantly, each one of us can eat healthier than we currently do.

Food is fuel for your body. The nutrients you choose make a difference. Quality foods are conducive to a healthy body – physically and mentally. Eating well also has an immediate effect on how you feel. Compare how you feel on the days you eat plenty of fruits and vegetables to those where you consume fast foods or junk meals. The difference is night and day.

Prediabetes presents a chance to change or improve. If you have prediabetes, you should begin taking action right away to reverse the process. The thing that tips a person with insulin resistance into Type 2 diabetes is the pancreas starts to wear out. It loses the ability to continue putting out enough insulin to overcome insulin resistance. With the combination of insulin resistance and a gradually weakening pancreas – your blood sugar levels start to rise. Your pancreas becomes too exhausted to compensate any longer.

Although managing your disease can be very challenging, Type 2 diabetes is not a condition you must just live with. You can make simple changes to your daily routine and lower both your weight and your blood sugar levels. Hang in there, the longer you do it, the easier it gets.

Silver Jewelry Presents an Integration of Fashion and Uniqueness

Beauty does not depend to be by chance anymore. There are lots of choices and options that can make it a choice. Silver, gold, diamond and other precious stone jewelry, especially, hand-made jewelry pieces are on high demand as they are rare and unique designs.

The metallic bright shiny aura of silver presents a lustrous appeal. Silver jewelry finds its segment on the new age jewelry. However, silver can be used in different adornments such as brooches, necklaces, earrings, rings and bracelets.

Designer jewelry in silver is popular across the globe among the jewelry segment in modern times. Silver is gaining popularity in comparison to gold. The fluctuation of the market with respect to gold and gold jewelry keep increasing and now many jewelry designers opt for silver designer jewelry ornaments and adornments to reach different segments of the market.

The silver jewelry has integrated the fashion industry on a wider scale and day after day the demand is growing. Customers, even with a small income, buy silver as it falls within their budget. Jewelry designers are also coming up with trendy and modern jewelry designs enhancing the appeal of the jewelry and thus increasing the sales, creating a brand identity. In fact, during festive seasons, there are special offers on silver jewelry.

Silver is a lovely metal and loved around the globe by most women. Gifting silver on various occasions to anyone, your mother, wife or girlfriend is appreciated as the best gift. Silver rings as gifts given during special occasions such as engagement ceremony, wedding anniversary or Valentine’s Day, carries a lot of importance.

With the designs of modern age and its integrations in silver, the increase has truly become huge. Silver looks amazing and is compared to the beauty and charm of the moon. The metal is mixed with alloy approximate to 92% pure and the rest includes the mixture of other metals. This is done so that it is tangible.

Normally, with pure silver, copper is mixed as the alloy. The benefit is that silver is safe for the skin and has no adverse chemical reactions. Buying silver jewelry at reasonable price is the biggest advantage. Even gifting silver designed jewelry to your loved ones does not force you to break your bank. You can make it impressive with lovely packaging and hand it over to your loved ones on special occasions.

Mostly, fashion conscious people concentrate on handmade jewelry. Each silver piece is crafted carefully if they are handmade jewelry and in such cases machines are not used. The handmade silver jewelry is naturally costlier in comparison to the machine-made jewelry. Each craftsman maintains their style in creating jewelry and it is tough to copy jewelry in the same design. Each jewelry piece in silver ensures the radiance that the wearer is certain to be more than pleased with.

Network Marketing Presentations: Getting Started At Home

Network marketing is a great way to boost your networks and social reach. Once you have completed the basic training course for your network marketing company, you should be comfortable with the information and be ready to launch your business. Your website may take some time to build, especially if you are doing it yourself. You can hire out or use a general list of internet web pages to get your business up and running. Now that you have a website, it is time to get started with your presentations. You can host some events at your home.

Your network marketing presentations can be done through using PowerPoint which is very easy to use. You may need to practice your presentation a few times. Do you have your website up and running on your laptop, desktop or other favorite internet device? You may want to have your presentation between 8-15 slides that talks about your opportunity and products. This will provide a general background to help your prospects understand your line of business. Doing a home presentation offers a unique advantage for you; it is your home turf and you should be at ease with delivering the content to your visitors in the comfort of your own home.

Before you have a home presentation you should practice your network marketing presentation a few times to get comfortable with the material. You may want to keep your presentation slides simple and to the point using appropriate graphics to help accentuate your point. This little trick may help close a deal or help express a difficult or complicated idea. As you are reviewing your slides, you may need to simplify any industry jargon or language that could be misinterpreted. While doing bullet points, keep the phrases under 10 words for simplicity. One major point per bullet is the standard rule to help you express your ideas.

If it is an affordable solution for your network marketing home event, you may consider some printed handouts or materials that your prospects can read later. You may want to design the brochures or use company prepared materials to hand out after you finish the presentation You can use Microsoft Word to create a handout that is a few pages long to help your prospects get an understanding about what you are offering. You can print out the documents in a PDF format and send them to your prospects that are attending the home meeting, providing that you have their emails and permission to do so.

5 Keys to Creating a Successful 3D Presentation

PowerPoint presentations, effective as they were in the past, are slowly being pushed out of the picture as people turn to more advanced methods of creating powerful presentations. Enter the 3D presentations. 3D presentation is much more illustrative and interesting; two very important keys in the delivery of a powerful presentation. So how can you build your own powerful 3D presentation that will interest and engage your audience? Below are five key factors that must be considered if you are to create a riveting 3D presentation;

1) Choosing the right tools; to create a 3D presentation, you are going to need some special tools such as 3D generation software. There are many such software available out there ranging from highly specialized software that require in depth understanding of popular programming languages to simple yet powerful software that do not require a single line of code and which can be used by virtually anyone. In choosing the software to use, consider the following;

- Can you use it? If you are not proficient in programming, you had better go for software that does not need any coding.

- Hardware requirements; do you have the hardware (such as enough RAM) to use the software effectively?

2) Developing a suitable storyline; you must have some storyline covering the entire presentation. The storyline, in this respect is a narrative of the flow of ideas that will be represented within the 3D presentation that you want to create. It is important to have a clear storyline before you even begin creating the presentation. When creating the storyline, ensure the following;

- It should be interesting; 3D presentations on even the most boring of topics can be brought to life through the use of an interesting storyline. It does not necessarily have to be entertaining (although that would be a plus if you can make it happen), but it has to be good enough to keep your audience interested throughout.

- Make it concise; a very broad storyline easily could lose your audience before they get to the end of the presentation.

3) Highlighting takeaways; in this context, the takeaways refer to the most important bits of information that you want your audience to get out of the presentation. You can’t expect them to remember everything you present so ensure that more emphasis is laid squarely on the most important sections of your presentation. The best way to do this is by identifying such sections right after you finish developing your storyline.

4) Differentiating yourself; even though you might be several presenters and all of you use the same software to make your presentations, there are many ways through which you can make yours different from the rest. You can do this by exploring all the tools within the 3D presentation software that you are using and not just the most basic tools.

5) Simplicity; great graphics are a powerful addition to your presentation, but they should be added cautiously otherwise they could make your presentation appear crowded or make it confusing and hard for your audience to follow.