Romance Tips: Rough Play Made Safe

Couples in search of romance tips to enliven their romantic play often balk when the subject of rough play is brought up. And there’s good reason to be a bit hesitant – few people like to run the risk of hurting, either physically or emotionally, someone close to them. Men, in particular, who practice good and protective male organ care, may be a bit suspicious of rough play. But when approached in the right spirit and with appropriate care, roughing it up a bit can be rewarding for many couples.

Define terms.
It’s crucial to realize that “rough play” can mean different things to different people. One of the most basic romance tips is making sure that two people are coming from the same place when thinking about taking intimacy to a different level.

This is especially true when applied to exploring rough play. If a partner says, “Why don’t we try getting a little rougher?” then the couple needs to determine what that means. Is it all about letting loose verbally – employing “dirty” language rather than the relatively clinical terms they may be using? Or maybe it’s about talking through some dirty scenarios, creating a role-playing situation that’s all in the imagination? Or are they suggesting restraints, toys or some other form of play involving physical objects?

Sometimes talking things out in too much detail can spoil the fun or make it no longer effective. But doing a basic check-in so that both partners are comfortable before embarking is a good idea for most couple.

Set up ground rules.
Probably the most important rule when getting rough is to have an agreed-upon signal that it’s time to stop. This is often called a “safe word,” although that frequently brings up images of heavy BDSM play. A safe word or some other signal is good to employ even when just doing some basic role playing. This gives peace of mind, so that if one partner is no longer enjoying the experience, they merely say the word and the activity ceases.

Beyond the safe word, couples may consider a time limit or certain areas where each is not willing to go.

Start small.
Usually it’s a good idea to start small when getting rough. Start off with nude wrestling, for example, before trying something more physical. If toys are to be employed, smaller or softer may be wise for beginners. A mild application of the hand rather than a paddle can let a participant know if spanking has appeal for them. Merely changing positions may be as rough as some couples want to take things.

Debrief.
One participant’s experience of the activity may be wildly favorable and they may therefore be surprised when the other participant views it negatively. Taking time after a rough play tumble to talk it over and see what worked and what didn’t is necessary – and it’s crucial that participants are honest about their reactions. Incorporating rough play into a couple’s lives can be liberating, but only if both want the same thing and are having their desires and needs met equally.

Romance tips that take into account the physical aftermath of an activity are of great value, and this especially applies to rough play. Although total body care is a requirement, men may need to focus especially on the condition of their manhood after a bout. Consistent use of a top notch male organ health crème (health professionals recommend Man1 Man Oil) can aid a man in this department. If restraints, toys, or simply overuse make for a raw or sore male organ, a crème with appropriately soothing ingredients (such as shea butter, a respected emollient, and vitamin E, one of Nature’s best hydrators) is a must. If the manhood gets a bit de-sensitized, a crème with acetyl L carnitine is the ticket; this neuroprotective supplement helps prevent peripheral nerve damage that can lessen the pleasurable sensitivity of the male organ.

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

Where should first-time investors put their savings? – All About Mutual funds for Beginners

If you look decades back, we had few options to invest our money. Among them, FD & PPF were most preferred. If you happen to take advice from your parents or grandparents, many would still recommend you to invest in them. After liberalization in 1990, when India opened its doors to the world, we could see many financial products proliferating in Indian financial markets. In contrast, today if you happen to ask for advice from someone younger you would have learnt about mutual funds and its types. This variety has worked in both ways for an average investor. On one side it has made your lives easier as you can bifurcate your goals and choose to invest in a product which matches them, on the other side too many options have got many of us confused about mutual funds.

To make a correct and wise decision while investing your money, it’s good to know about mutual funds and its types and compare them with other alternatives. These are the listed five factors and suggestions that you may consider before choosing a product.

Tax-Saving
If you have a goal of not just investing but also saving tax, then we suggest you consider Mutual Fund. ELSS (Equity Linked Savings Scheme) will offer you tax benefits by investing of upto Rs.1.5 lakhs under Section 80C. In the market, you may find more products like ULIPS, Tax Saving FD, etc., but to keep it simple, we have cited only two products for you to make a prudent decision.

PPF unlike Mutual Fund will offer you a fixed rate of interest (determined by the Government). Your principal amount will be safe but you will have a lock-in period of 15 years. There are different types of mutual funds. Under Mutual funds, there’s a category of equity mutual fund called ELSS (Equity-Linked Savings Scheme) which will expose your principal amount to equity. Thus, this mutual fund will carry market-related risk but will not be subject to a fixed rate of growth. The feature of this mutual fund is that it will come with a lock-in period of 3 years, which is the shortest among all tax saving financial instruments. Thus, you are not just saving tax but also building wealth.

Long-term Goals
If your goals are long-term, we suggest you consider the advantages of Equity Mutual Funds. The reason we are suggesting Equity is because, the longer your money is exposed to the markets the better chances are for it to grow. You may also look at Index funds in this regard. These funds have low expense ratios and they replicate the index. If you are in your early years and have an appetite to take the risk, then you may consider equity mutual funds that follow the growth strategy in investing. These funds tend to be more aggressive and have the potential to give good long term risk adjusted returns. You can also have a diversified equity allocation in other equity mutual funds that differ in style such as value-oriented or a diversified Fund of Funds that invest in other funds of varying market capitalization, thereby making the process of selecting mutual funds a whole lot easier.

Short-term goals
When we are talking about short-term goals, we are looking at a horizon of 3 years or below. If your risk appetite is less, then you can look at balanced funds. These funds have a blend of both – Equity & Debt. Thus, reducing the risk as compared to equity funds. If your risk appetite is very low, you may consider Liquid mutual funds. These funds are conservative and invest in debt-related products. If you redeem your money after 7 days you don’t have to pay any exit load in debt funds.

Commodity / Gold
If you wish to invest in precious commodities like gold but your pockets are slightly tight, then you can take a closer look at Mutual Funds schemes investing in Gold. In these funds, you can start investing with as low as Rs. 500/- a month. The amount you invest is backed by real gold and is benchmarked against the market price of gold. This just makes buying gold much easier as compared to the conventional route where you need to shell out a large amount of cash which includes making and storage charges.

Emergency
Last but not the least, whichever avenue you choose to invest in from the above suggested list, we recommend you build an emergency fund. An Emergency fund is nothing but the amount you require every month to keep your house running if any unforeseen catastrophe arises. We suggest that you invest 6 months of the required capital in a liquid fund. As money invested in a liquid fund can be easily liquidated and is ready to use as compared to conventional investment products.

Equity fund v/s Debt Fund: How to choose to achieve financial freedom?

Equity funds are funds that predominantly invest in equities or equity-related instruments. These funds are considered riskier as compared to debt funds. Within equity funds, there are several categories and if you take a closer look at their portfolio you will see the difference between them.

Debt Funds or Debt Mutual Funds significantly invest the money in fixed-income securities like government securities, debentures, corporate bonds and other money-market instruments. These funds lower their risk by investing in such avenues. These products carry the least amount of risk when compared to other mutual fund investments. They have low volatility and generate modest returns over time.

The portfolio of debt funds has specific maturity ranges. For example, a liquid fund can buy only securities when having maturities of up to 91 days. They do not offer assured or fixed returns, unlike FDs. Their returns can fluctuate. A rise in interest rate has a positive impact on the interest income but a negative impact on the bond or instrument price. And it’s the other way round when the interest rates fall.

Taxation

In equity mutual funds, the gains made are subjected to Short Term Capital Gains Tax and Long Term Capital Gains Tax, if your gains are more than Rs.1 lakh a year. If they exceed and you choose to liquidate your investment within a year, then you will be subjected to Short Term Capital Gains (STCG) which is 15% of the gains made. If you choose to liquidate after a year then you are subjected to Long Term Capital gains (LTCG) which is 10% of the gains made.

Like Equity Funds, Debt Funds are also subjected to capital gains tax which is Short Term Capital Gains Tax (STCG) & Long-term Capital Gains Tax (LTCG). If Debt funds are held for less than 3 years then STCG is levied and if more than 3 years then LTCG is levied. Presently the LTCG levied is 20% with indexation and STCG is taxed as per the investor’s tax slab. If the Income Tax Slab of the investor is 20% then the same will be levied on the Debt Funds gains in the case STCG.

Indexation Benefits

Equity funds do not offer any indexation benefits.

Indexation is a tool which is applicable to long-term investments. It helps an investor to adjust inflation while gauging the returns of the invested amount. There are several mutual fund investment calculators available online which help you calculate the indexed investment amount as per Cost Inflation Index (CII).

As inflation is gradually rising, what’s worth Rs. 1000 could be worth Rs.1100 sooner in near future. Thus, inflation is reducing the purchasing power of our money. The same amount will be enabling the investor to buy lesser and lesser goods.

In the case of debt funds, we arrive at capital gains after indexing the purchase price of the mutual fund investment plan. When subjected to indexation, it lowers the long-term capital gains tax which brings down your taxable income. Indexation is the reason why debt funds are looked up to as a fixed-income investment option.

Both the types of mutual fund investments have their pros and cons. You will need to check which one among them suits your risk-taking capacity. If you need exposure to both, you may take a look at Balanced funds. If you have invested in an equity mutual fund and you are nearing your goal, you can make a systematic withdrawal plan (SWP) to debt fund. As equities are more volatile, so you should take care to see that your investment value does not reduce when you are at the peak of reaching your goal.