Use the Place Card Holder As a Vacation Present

Last yr I struck ‘gold’ while I came across miniature decoration place card holders. I had initially purchased a dozen for one dinner celebration I was throwing. Then I set them up at the whole setting, and as my visitors sat down on their respective seats, there was many the ‘oohing’ and also ‘ahhing’ over them (that I had anticipated!) However I had not anticipated their requests to bring them home to use them as photograph and memo holders within their own houses. Then it hit me:the mini decoration place card holders became terrific and reasonable vacation gifts for every one on your list!

Why they are so terrific?

* they’re extremely useful when they’re utilized as:

Tree embellishes, place settings, photograph holders, Memo holders

* they’re affordable costs at often beneath $10 every set.

* they’re stunning to look at or display

I discovered that grandparents or mother and father have been particularly delighted to use them as photograph holders. They put photographs of their youngsters or grandchildren in embellishes and place them all through their apartments. They put the smile on their faces because they like these holders so much. (and some thought that these holders have been so beautiful and distinctive that they kept them all the years).

While giving them, it may be useful to attach a tiny present tag that explains they may be utilized as in 4 capacities talked about above (tree embellishes, photograph holders, position settings and memo holders). It is a nice gift, isn’t it?

What Are Equity Mutual Funds and how does it Benefit Investors?

An equity mutual is a mutual fund that invests in equity and equity related instruments with the aim of long-term capital appreciation.

Thus, an equity mutual fund is a mutual fund that invest in equity shares of companies that have potential to provide long term returns to investors.

An example of a growth oriented equity mutual fund would be a mutual fund that has in its portfolio companies with a proven track record of great revenue growth or younger companies with potential. Equity mutual funds follow different styles such as growth, blend and value funds and comprise the primary categories of equity mutual funds.

An equity mutual fund scheme generally aims to provide capital appreciation over the medium to long- term.

Growth Plan vs. IDCW(Income Distribution cum Capital Withdrawal’)

The term “Dividend Option” in mutual funds was changed to “IDCW” in April 2021 by SEBI.

Should the investor invest in Growth Plan VS IDCW?

In a growth plan, the profits remain invested in the scheme. Over a long period, the investor can earn compounded returns. Growth plan NAV will always be higher than the IDCW option because on distribution of the available surplus the NAV of the scheme is reduced to that extent. .
In IDCW, the available surplus may be dispensed partially or fully at the discretion of the fund manager / AMC / Trustees.
If investors prefer capital appreciation or long-term wealth creation, they should invest in growth option of the mutual fund scheme.
If the investors aim for cash-flows from their investments, then they may opt for IDCW option.
Benefits of Equity mutual Funds

Potential for high returns over long term
This fund appeals to a lot of investors because of its potential for high return with high risk.

Risk
Equity mutual funds are high-risk investment instruments. Therefore, you must consider investing in equity mutual fund schemes only if you are risk-tolerant and are willing to invest for at least 5 to 10 years. The only returns would be your profit on selling the investment and this would be the excess of selling price over the purchase price.

Volatility
Equity mutual funds are extremely volatile as stocks fall and rise depending on market behaviour. Therefore, it is best suited for investors who are able to tolerate the volatility.

Tax Efficiency
Equity mutual funds attract long term capital gains tax LTCG tax at 10% if the earning is above Rs 1 lakh and held more than a year.

Money management
Fund managers who manage the equity fund are qualified professionals, who identify high potential stocks for the investors.

Diversified Portfolio
A mix of stocks in a mutual fund creates diversification and helps to reduce the overall risk of investing in volatile stocks to some extent.

To conclude, one should invest in equity mutual funds if one wishes to be a long-term investor in the stock market looking for capital appreciation.

Xmas Present Ideas For 2010

Unless you have been living under a rock, you have noticed that Christmas is fast approaching. The signs are everywhere from the lights, the sounds, and to the shopping. This last part can be very stressful to many who often put off shopping and end up having to fight traffic, long lines and more adding even more stress. We suggest another alternative which is to not put off the shopping and buy today. We also suggest you use the advice of others who have already sorted through the good and bad gifts so you can piggyback off of their hard work and still reap the rewards. The result is a much easier shopping experience where you start out with already great suggestions.

The first gift we recommend is the Loopz™ Game. This hot toy will be a hit with boys and girls as they try to master the movements that were just completed by the lights and movement. Kids will love this competitive game that is fun for boys and girls.

Another good present is the Magna-Tiles Translucent Colors 100 Pieces. This one was a popular gift last year and is sure to be a winner again this holiday season. This one allows kids to tap into their creativity where they can build some elaborate structures with its different colored pieces.

A solid gift idea for the little ones is the Radio Flyer Ultimate Comfort Wagon. Parents should wax nostalgic over this one as odds are pretty good they may have had one of their very own when they were growing up too. The newer versions are safer for kids but still offer the same great fun.

A great gift for girls is the Squinkies® Cupcake Surprise Bake Shop. This one is an adorable gift idea that many girls will love to play with. You can bet this one will be a welcome addition to their room and something they will brag about to the friends.

Finally, the Flip® UltraHD Camcorder 120 Minutes version is a great handheld gadget. This one is perfect for all kinds of uses and was a best seller last year and is selling well again this year.