What are the major benefits and limitations of PPF Accounts?

The fixed deposits have been the primary choices of the majority of people in India. For those, it could be one of the best modes of investment with assured returns because the rate of interest is also higher than other types of deposits.

Let us discuss other significant benefits and limitations of PPF Accounts in brief.

Advantages of PPF Accounts:

The major advantage of depositing money in a PPF account is that whatever interest you will earn in between, is a tax-free return.
The rate of interest in case of PPF investment is comparatively higher than the traditional fixed deposits (FD).
You are eligible to avail a tax rebate up to 1,50,000/- as per 80C of Income Tax Act.
You can start investing with a minimum amount as 500/- and a maximum of 1,50,000/- per financial year.
You can deposit said amount in monthly instalments (12 months) by cheque, cash, bank transfer.
A partial withdrawal is allowed but after 7 to 15 years of maturity period.
The PPF account can be opened in post offices, the recognised banks in India whether it is public or private sector banks.
Thus Investing in public provident funds offer several benefits when it is compared to other types of deposits like saving deposits, fixed deposits, recurring deposits or Flexi deposits.

Disadvantages of PPF Accounts:

The PPF accounts have a lock-in period of 15 years which can be extended in 5 years blocks, meaning you cannot withdraw the funds before 15 years.
The first financial year in which you have opened the PPF account will not be considered, meaning the maturity period would be fully 15 years besides the first year.
Only one PPF account per person is allowed, however, you can transfer your account anytime in any organisation.
The premature withdrawal is not allowed till the 3rd year from the date of opening, however, you can get a loan against the balance amount after a 3 to 6 years time period.
The monthly interest rate shall be applicable only if you deposit money into your PPF account from 1st to 5th of every month, otherwise, you would not earn any interest for that month.

Eligibility:

Any individual who is resident of India is eligible to open a PPF account in the post offices or any popular banks, but an NRI can’t open a PPF account in India.

Nevertheless, if you have already opened a PPF account before having NRI status, you can still operate it up to 15 years but it can’t be further extended.

The PPF account of minors can also be opened but it shall be operated by their parents.

How to open a PPF Account?

The process of opening a PPF account is very simple. You can either approach the post offices and commercial banks or can apply online.

You need to carry proof of identity, address and passport size photo and then fill the application form (Form A). The minors PPF account can also be opened under parents supervision.

If you hold an account in ICICI bank or HDFC bank, you can directly request for opening a PPF account through the internet banking portal.

Wrapping Up:

The PPF investments have always been preferred mode of investment for salaried as well as working professionals. The returns are not only guaranteed by the government but at the same time, it provides monthly compounding rate interest as well.

Moreover, the downside part, the rate of interest is not fixed depending upon the market and the lock-in period is also very long.

Natural Ways To Boost Sperm Count And Improve Male Health Effectively

If you ask any sexually inactive man as to what exactly is causing the problem of this long dry period in his life then he will have two reasons to give out to you. The first reason will be that he is so stressed about work all the time that he barely feels motivated to be in bed with someone at the end of a long tiring day and would rather catch up on sleep; the second is that somehow, even on those days that he does feel the sexual desire to be with someone, his body gives up on him and he is unable to perform well, thereby embarrassing himself and disappointing his partner in the process.

Well, low sex drives and poor sperm count or poor semen quality is very common with most modern men, mostly owing to the kind of life that they lead. Consumption of junk food on a regular basis, drinking to beat stress everyday, smoking like a chimney, ignoring exercising, never getting enough sleep and rest, and constantly being under work-stress are like silent killers that work their way through your body to make it completely devoid of any natural strength and stamina. Needless to say, this affects your mental health, which means that you have low sex drive and no real desire to indulge in sex; on the physical health front, you become a hollow person unable to produce the right quantity and quality of semen.

Luckily, there are natural ways to boost sperm count and improve male health, so that you can somehow stop your wife or girlfriend from going away from you and save your relationship. Indeed, the psychological effects of these sexual health problems are far worse than you can imagine, especially when your partner is trying to conceive.

Natural ways to boost sperm count help you to take control of your life again. In order to improve male health, one can take capsules such as Vital M-40 and Spermac. A combination of these works wonders for a man wanting to do some exciting magic in bed for his partner. While Vital M-40 helps you to regain your natural strength and stamina by restoring the health of your reproductive organs and improving the blood flow in your body, Spermac improves semen quality and quantity, thereby making your sperm count higher. Together, these capsules also help to fight off problems of poor ejaculation and erection timing, such that you have better control over your sexual actions and endurance power that will leave your partner asking for more.

You need to take one capsule of Spermac and Vital M-40 each, everyday after breakfast and dinner with water. In most cases, brilliant results start to show in just 3 months, but some people might want to extend the treatment to 6 months, depending on the severity of their condition. It helps to improve male health faster when you consume a healthy diet while taking these capsules and also indulge in regular exercising, as the body becomes the perfect environment for recovery.

Tumescence Loss: Causes and Helpful Reactions from a Partner

Most men have experienced tumescence loss during sensual activity at some point. For many, it’s a rare occurrence that doesn’t cause much trouble; for others, the issue may be more persistent, causing substantial problems in their sensual lives. While it’s important for a man to consider causes and find out if he is experiencing a male organ health issue, it’s equally important for partners to analyze their own feelings around the problem, which may include frustration and inadequacy, and to develop constructive ways to respond to the situation.

When a man is unable to perform, he is likely feeling a range of unpleasant things himself. A partner’s reaction can worsen the situation in some cases, and this isn’t good for anyone involved. The following sensual activity tips can help partners be supportive of their male lovers.

1. Don’t take it personally. The importance of this tip cannot be overestimated. If a partner assumes that he or she is the reason for the man’s tumescence loss – that he or she is not attractive enough, not doing something “right,” etc. – then he or she is bound to respond with sadness, irritation, defensiveness, etc. None of these reactions will help a man either get hard again or feel less down on himself. There are a variety of reasons a man may lose his tumescence that have nothing to do with a partner; keep this in mind.

2. Ask if there’s anything one can do. Of course, there are times when a man just needs a particular kind of stimulation to re-stiffen. In that case, simply offering one’s services in whatever way (within boundaries) a man may be desiring can be helpful.

3. Slow it down. When a partner is ready to go, it can be frustrating if the other is not there yet, but his or her eagerness can quickly morph into impatience, at least as the partner is experiencing it. The seeming need to rush can stress a guy out, causing tumescence loss. Let him know it’s okay to slow it down, engage in more pre-play and enjoy the process.

4. Understand it might not work out. If a man has been stressed out a lot lately by work, family or other life circumstances, he just might not be able to get hard or stay there, regardless of what a partner does or how attractive he/she is to him. If he’s not too upset about it, a partner might ask if he may enjoy using a male organ replica on him/her, or watching him/her self-stimulate.

5. Have sensual activity before drinking. For many men, a few drinks are enough to squander the manhood’s perkiness. If a couple plans to go out for drinks, or to enjoy beverages at home, having a good romp prior to drinking may be all that is needed.

6. Gently propose seeking professional advice. If a man’s performance issues are persistent and interfering with a healthy sensual life, he may need a little nudging to get him to visit a doctor or therapist. A partner can delicately broach the issue with a man, explaining that he or she is concerned that there may be an underlying health issue at play. Performance dysfunction can actually indicate a serious physical health condition and is something to be taken seriously.

7. Enjoy other forms of intimacy. Letting a partner know that he is valued, loved and desired even if he can’t always have sensual activity is important for his emotional wellbeing along with feeling comfortable and secure with his lover. Cuddling, holding hands and kissing can help reassure him and convey a partner’s feelings.

It’s always a good idea for men to maintain confidence in their manhood. They can do so by taking the best care of it possible. Using protection and applying lubricant during solo activity will help keep the organ healthy. Men can also try using a male organ health crème (health professionals recommend Man1 Man Oil). Packed with Shea butter and vitamin E, Man1 Man Oil moisturizes the skin, letting it look and feel its best. The male organ deserves a ritual, and daily application of a quality skin care product can leave the organ an appendage to feel great about.

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