How The RBI Repo Rate Affects Fixed Deposit Interest Rates

The latest piece of news making the rounds in the finance world is that the RBI has changed the money policy in the third quarter of the financial year 2013-2014. The Repo rate (short term lending rate) has been increased from 7.5% to 8%. Most business lenders cannot approve of this hike as select loans will in turn see a hike in their interest rates. Let’s try to understand these dynamics in detail.

Repo rate: Meaning

This is the rate at which the Reserve Bank of India (RBI) lends money to commercial banks in case of any shortfall of funds. A higher repo rate means that nationalized and private sector banks will be less keen to take any money from the RBI. Thus, it limits the availability of funds for the common man. How easily can you get a loan in today’s market? The repo rate will affect the interest rates and the simplicity of the process as well. The impact may not be direct for most readers who argue that there are several other factors in the mix. However, it won’t be a factor without any influence either.

Repo rate hike: Consequences

Obviously, this hike will increase the home loan rates and EMIs over a period of time. It may not affect all types of loans, but home loans will definitely get affected. This is a long term consideration for most banks though, as no bank has increased their lending rate as of now. In fact, investors can even anticipate lower fixed deposit interest rates . The rates, as banks apply it, is a function of demand and supply. This hike in the short term lending rate will deter several business owners, investors and all retail borrowers from borrowing money from a bank. Banks, in turn, won’t be in a position to pay off people who have invested in fixed deposits. Thus, the interest rates on term deposits should fall down.

How to use it to your advantage?

If you are planning to borrow in this economy, it can be a bit hazardous right now. The rate hike will affect all existing and new customers. But, in these uncertain times, fixed deposits are at its highest in terms of rates. The looming threat of elections and potential fall in FD rates can continue till banks have to step out of the current status-quo strategy and make decisions. If you have funds that you want to invest in debt instrument like fixed deposits, then this is the time. The chances are that these are the ideal fixed deposit schemes that you will get in the upcoming future. So, make the most of it.

Small Male Organ Pride: The Joys of a Modest Endowment

It’s not news that manhood size is a concern for many men, yet it may come as a surprise to learn that not every man is obsessed with a mammoth member. In fact, there are men with what might be considered a small male organ who take considerable pride in their equipment and are in no way embarrassed or concerned about it. Such men know that, as long as they practice good male organ care, there’s no need to be packing a python when a garter snake can do just as well.

What is a small male organ anyway?

Just what constitutes a small male organ is a matter of some debate. One man may think it means anything under, say, six inches, while another may argue it’s a members that doesn’t break the four inch barrier, and a third may boastfully state it’s any manhood smaller than his own. With unrealistically endowed adult film stars setting a high bar, most men of average manhood size might feel dwarfed in comparison – and so, to some extent a small male organ is any manhood the owner of whom feels is small.

However, in general it’s safe to say that most people would consider a three or four inch firm member to be small. But that doesn’t mean such a manhood is a detriment.

Benefits

Good things come in small packages, as they say, and the same is true of the man who is accepting of his modest endowment – and who takes pride in it. To men with a fixation on being large, this may seem inconceivable. What could there be about a “non-monster” to be pleased about?

The answer is: plenty! For example:

• It’s more comfortable. Men with enormous members often find their manhood squashed uncomfortably in a tight pair of trousers. The lack of room in the crotch can cause quite a bit of pain, which is not an issue with a more normally sized manhood. In addition, larger members have more of a chance of pulling manhood hair up if they are entangled when they become firm – and that’s not a pleasant feeling.

• There’s less public embarrassment. Countless men have horror stories about sporting a very noticeable bulge at an inopportune time – while giving a very important presentation at work, say, or being introduced to a girlfriend’s parents. Also, in some cases a very insistent tumescence can force down the zipper of the pants, leading to even greater embarrassment – but that’s not usually a concern with a small male organ.

• Injuries occur less often. Few things hurt more than slamming a firm manhood against a hard object, something which sometimes happens when a well-endowed man is thrusting at an unfortunate angle. Smaller men are also less likely to get their appendages caught in zippers.

• It often makes a man a better sensual partner. When a man has a huge member, there are often unrealistic expectations on a partner’s part – and size does not by itself equal superior capability in bed. By contrast, a smaller man has fewer expectations and also knows he has to work a little harder. Therefore, he is likely to take extra pains to learn how to use his manhood to its maximum potential. He may become more experienced and may be more open to experimentation and creativity in bed. That’s not to say that men with big members are poor in bed or that all men with small members are expert – but it does mean that learning good sensual “tricks” may be of greater importance to the latter.

Taking pride in a small male organ – or in a male organ of any size – includes treating it regularly to a top drawer manhood health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). For optimal results, a crème with vitamin B5 and acetyl L carnitine is advised. Vitamin B5 fulfills a necessary function in keeping cell metabolism in gear and in maintaining healthy manhood tissue. Acetyl L carnitine is a neuroprotective ingredient that protects against the peripheral nerve damage from rough handling that can otherwise lead to a diminishment of sensation in the member.

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

Herbal Calcium Deficiency Treatment To Build Strong Bones Effectively

Calcium is the important mineral used by the human body to stabilize the blood pressure and most importantly for building strong teeth and bones. When there is not enough calcium content in the blood, an individual increases the risk of developing diseases like hypocalcemia, osteopenia and osteoporosis. Symptoms of low calcium content in the blood include seizures, memory loss and brittle nails and hair. However, to address this deficiency and to build strong bones, there are natural remedies.

What are the causes of calcium deficiency?

Before gathering some details about herbal calcium deficiency treatment, it is better to get into the details about the causes of such a deficiency:

1. Experts are of the opinion that the natural process of aging in the human body can lead to this deficiency.

2. Most calcium in the human body is stored in the bones and when an individual gets older, the bones turn out to be thin and they become less dense.

3. As compared to men, women are at a high risk of developing the calcium deficiency. They are recommended to take calcium supplements, particularly when they are nearing their menopause.

4. Lack of parathyroid hormone in some women at this stage is considered the major reason behind calcium deficiency.

Herbal remedies: As mentioned earlier, men and women with calcium deficiency are recommended to rely on herbal calcium deficiency treatment. The herbal remedy called as Calcivon tablets can bring this treatment. Calcivon tablets are uniquely formulated herbal supplements that will help with building stronger bones and the effective ingredients in these tablets will also ensure healthy nails, hair and teeth. The great thing about this herbal remedy is that it is a pure vegetarian source of calcium. Also, the ingredients in these tablets make calcium in a bioavailable form in such a way that the human body can easily absorb it to improve bone health. These tablets will help with addressing muscle cramps and spasms inclusive of restless leg syndrome. These tablets will help with improving rehabilitation of the nervous system and also it will ensure lasting energy flow.

Effective ingredients: To build strong bones, Calcivon tablets are made out of the following effective and safe herbal ingredients:

Mukta Shukti Bhasam: This is an ayurvedic preparation from pearl oyster. It is known to be effective in addressing a wide range of health issues like an ulcer, abdominal distension, bloating, gas or flatulence, indigestion, loss of appetite, ulcerative colitis, mouth ulcer, peptic ulcer, heartburn, duodenal ulcer, chronic gastritis and acidity. These problems might be experienced by patients with calcium deficiency and so this is added as an ingredient in herbal calcium deficiency treatment.

Godanti Hartal Bhasam: This is yet another ayurvedic preparation from gypsum. It is known to be effective in addressing leucorrhea, chronic fever, and headache, migraine and pitta imbalances. It is also known to improve strength and immunity.

The other ingredients to build strong bones in Calcivon tablets are khatika, aspartame, color and permitted flavors and preservatives.