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July 3, 2022

Why You Should Clean Your Carpet

May 26, 2022

Carpets usually make the room warm, whether in the living room or your bedroom. When you want the room to be friendly, you also need to make sure you buy a carpet that is fluffy and warm enough so that the whole room gets warm and so that you could be able to sit on it as you watch your favourite movie or as you chill with your partner and friends by the fireplace. However, having a carpet can be so hard because it gets dirty so fast and accumulates a lot of dust which can lead to asthma and allergies. You need to clean your carpets as often as possible to avoid diseases. Like me, I always go to the carpet cleaning near me because I find it hard to wash my carpet all by myself.

Some of the advantages of cleaning your carpets are;

  • It makes your carpet last longer

When you don’t clean your carpet as often as possible, it looks old and dull.  When this happens, your home will not have the vibrancy it had when you bought your mat for the first time, and it was shining. Regular vacuuming is a way of removing dirt but it doesn’t necessarily make your carpet clean. To make sure your carpet is completely clean it needs to go through steam cleaning. Additionally professional carpet cleaners have the right tools to clean the carpet and make it shiny.

  • Ensures you are free from illnesses

In case you are a person who has allergies or asthma, it is essential to clean your carpet because dirty carpets can carry a lot of contaminants which you end up breathing. When you want to be safe from this, take your carpet to the professionals for them to do a fantastic job of making your carpet safe.

  • Enhanced airflow

It is pretty unbelievable, but when you have a dirty carpet in your room, the air is not clean. When the rug is dirty, it also ends up making the room stuffy which is very primarily unpleasant when you have guests around. Even if you vacuum your carpet regularly,  it doesn’t remove all the dirt particles in the carpet, and this is why you need to have it cleaned, even if it’s once a month with occasional vacuuming.

  • It prevents the accumulation of mould

If you live in a place with high humidity, it is evident that there will be mould growing.  Mould can be caused by water that doesn’t get cleaned up immediately. Also, when you vacuum your carpet and leave water on it, it may lead to mould growth. When you vacuum your carpet, make sure you dry it, and if you are taking it to a cleaner, make sure they dry it.

Conclusion

When you have a carpet, make sure you take it to the cleaners daily to ensure you are safe from any disease. So make sure you take your rug to a professional so that they can clean them well with the required tools.

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What should investors in debt funds do as yields start rising?

May 25, 2022

While investing in the market, you come across mutual fund schemes as one of the possible investment options among several available. But before deciding to invest in a mutual fund scheme, it is important to remember that mutual funds are not a monolith. There are numerous types of mutual funds available in the market. One of them is debt mutual funds.

If you don’t know what debt funds are, don’t worry in simple terms, they are a subcategory of mutual funds that generate income in securities that are known for generating fixed income. These securities include things like corporate bonds, government securities, commercial papers, treasury bills and numerous other money market instruments. These instruments come with an already decided maturity date and the revenue earned from these schemes is usually not affected by the market fluctuations.

In debt funds, a debt fund manager usually invests in assets after studying the credit rating of an asset. A high credit rating is indicative of the fact that debt security has a higher chance of repaying the interest and principal. Apart from that, the manager regularly aligns the investment strategy as per the interest rate movements.

Regularly, investors usually redeem their debt investments when the revenue earned from the scheme is high and opt for an equity fund. However, instead of redeeming your debt fund, you can do the things listed below:

  • Continue investing in debt funds:

One of the first options you should consider is to continue investing in the debt fund scheme. It is understandable when your yields show growth, you are tempted to redeem your debt fund and look for other investment avenues. While yields rising may have some impact on an investor’s net asset value (NAV), there are numerous advantages to keep investing in a debt mutual fund scheme. Consider this scenario. You are currently experiencing growth in your debt fund investment. You may be tempted to redeem your debt fund scheme. But before, going ahead and withdrawing from the scheme, you should determine whether the benefits of redeeming the debt fund outweigh the benefits of continually investing in it. If you were to continue investing in the debt fund, you may enjoy tax benefits.

  • One may opt to invest in commodity funds:

Commodity funds are known for investing in raw materials i.e., primary agricultural products, that are referred to as commodities. They invest in things like precious metals, such as gold and silver, agricultural goods, such as wheat and energy resources, such as oil and natural gas. Moreover, commodity funds may also invest in the companies that produce the commodities mentioned above. They come with advantages like potential financial growth, protection against inflation and portfolio diversification. However, as is the case with all types of investment opportunities, commodity funds carry some risks and may not be right for every portfolio. For example, commodity markets can be volatile and therefore they can expose investors to the possibility of considerable price fluctuation. Moreover, commodities and even commodity companies are also exposed to things like political, economic, foreign currency and exploration risks.

  • Consider Investing in an NFO:

When an AMC issues units for the first time or raises fresh funds for a new theme, it is referred to as an NFO i.e., a new fund offering. Most of the time, retail investors prefer an NFO over buying mutual funds via the continuous window from the AMC. In recent years, SEBI has become stricter with respect to the criteria for issuing NFOs and AMCs are not allowed to issue NFOs on duplicate themes. An NFO is issued either because the AMC wants to raise funds for the first time or because there is a new category of fund where the AMC does not have exposure.

If you are still considering redeeming debt funds, you can do so. But before taking any action, it will be better to contact a financial expert.

Disclaimer: Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

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