What is XIRR and how is it used?

We use CAGR when we gauge the mutual funds’ performance. When you gauge the value of your investments, you use XIRR. So if you are doing an SIP every month you will require XIRR to evaluate what money you have made.

How to calculate XIRR?

To calculate XIRR, you will require three essential attributes. Date, Cash Flow and Portfolio Value.

XIRR can be easily calculated using Microsoft Excel. Excel provides an inbuilt function to calculate XIRR.

XIRR formula in excel is:= XIRR (value, dates, guess)

This, will give you your own XIRR. Your money management abilities – adding & withdrawal of investments – are then going to be calculated through your XIRR.

You can use XIRR over time and check how your investments have fared.

Limitations of XIRR

XIRR has certain limitations as it overemphasizes cash flows. For instance, your cash flows may not match the market momentum. If you happen to invest in the month when the market is at low and by the end its peak, then your XIRR will be marginal. Your XIRR will be overshadowed because you added money when the market was high, thus receiving lesser units.

Thus, XIRR is your asset allocation or cash-flow based return. You might need it to see how well your investment has performed.

A Guide on Getting Canadian Citizenship

Anyone applying for Canadian citizenship or retaining it needs to pass a citizenship test. Objective of the test is to evaluate the person’s knowledge of Canada. In case one fails in the written test, they are called for an interview and given a chance to answer the questions orally.

Canada is a multicultural society that adds approximate 170,000 permanent residents as citizens. A routine application takes 15 to 19 months to get processed and it is a bit hard to get the citizenship. You need to prepare well to get through the process.

Eligibility Requirements
The first thing you need to be clear about is eligibility requirements. In general, the applicant must be at least 18 years old. When parents or guardians are applying for Canadian citizenship for a child, there are additional requirements. They must have permanent resident status in Canada for at least three of the four previous years. They must also have knowledge of English or French and not have any prohibitions due to a criminal history.

Marriage to a Canadian citizen does not make you a citizen. You need to first apply for permanent resident status and then for Canadian citizenship. Canadian law allows for dual citizenship as well.

Citizenship Test
You also need to prepare for citizenship test. Anyone who is between the ages of 18 and 54, and meets the basic requirements for citizenship has to take the test. One who is applying to retain the citizenship also needs to appear in the test.

Objective of the test is to evaluate your knowledge of Canada. During the written exam or the interview, you have to answer questions about:

* rights and responsibilities of a citizen
* elections procedures
* Canadian physical and political geography
* Canadian social and cultural history and symbols
* Canadian political history

You usually get Canadian citizenship test letter about a month before and the time is not sufficient to prepare well for the test. Applicants need to attend 20 multiple choice questions, each with four possible answers. The answer sheet is separate from the question sheet. You need to answer 80% of the questions to pass the test. In case you fail to pass the written test, you will need to appear for an interview (30-90 minutes) with a citizenship judge. You will be asked the test questions orally to give you another opportunity to demonstrate that you satisfy the requirements of citizenship. However, it is harder and it is better if you get through it in the first attempt.

There are people who have everything right for getting the citizenship yet they fail as they cannot perform in the test. A bit of study can help you get through Canadian citizenship test.

If you pass the test and meet the other requirements for citizenship as well, you will be invited to a citizenship ceremony where you will take the oath of citizenship and receive a certificate of Canadian citizenship. Citizens need to bring all their relevant documents to the ceremony. All of the original immigration documents and permanent resident card need to be produced.

At the citizenship ceremony, you accept the rights and responsibilities of Canadian citizenship. The ceremony is presided by a citizenship judge and many people take oath together. Once you take the oath, you are a Canadian citizen.

Author of this article is associated with canada-citizenship-test.com that enables people get through the Canadian citizenship test.

Website: http://www.canada-citizenship-test.com/

Self-Pleasuring Tip: Incorporate Pre-Play

Most men have a fairly well-established self-pleasuring routine, complete with tried-and-true rhythms, grip strength and, often, visual aids. The fact that the same old thing, over and over, can be so pleasurable is enough to prevent many men from experimenting with different methods. And that’s fine – so long as a man is contributing to his sensual health by enjoying his solo time with some frequency. But it never hurts to try something a little different.

There are lots of ways to change up self-pleasuring. Some come to mind easily – using a sensual toy, watching some adult content one wouldn’t normally choose or stimulating a different area of the male organ than one usually does. These are all worth considering. But a subtler self-pleasuring tip involves what a man does before he even gets to his member. Men can make for a different experience by engaging in pre-play with themselves.

Imagination

First off, get the imagination going. Rather than relying on videos, try imagining a hot scenario as vividly as possible. A man might wish to pretend a partner is there with him, and pretend that his hands are the partner’s hands and lips. Try spending a good minute or so envisioning the steamy scenario before touching oneself in any way.

Gentle Caresses

Few things ramp up sensual suspense like the gentlest of touches – almost a tickle. A man knows his sensual zones. Focus on those beyond the male organ for starters – the ears, the neck, the nipples, perhaps. Ever-so-gently run the fingers over various parts of the body, heightening one’s responsiveness to touch.

Be a Tease

A man can tease himself by lingering close to, but avoiding (for a time) his most sensitive areas. If he has sensitive nipples, for example, he may circle the areola several times before rubbing, flicking or pinching the nipple.

And this certainly applies to the groin. Instead of grabbing the male organ and cranking away, which he will likely be tempted to do, a man can run his fingers over his thighs, moving inward and just barely avoiding the balls and male organ. Try starting at the insides of the knees and bringing the fingers as close to the balls as possible, then going back down. If a man has groin hair, he may enjoy running his fingers through it just above the base of the male organ.

Proceed without Expertise

Now, a man will likely be chomping at the bit for the main event after such an opening act. He can proceed with his normal self-pleasuring methods, of course, or he can continue his experimentation. If his imaginary scenario involves being with someone else, he can pretend his partner is providing a hand job or oral and use his hand to mimic the moves this other person might be making. Since no other person knows a man’s particular preferences like he does, it’s likely that the partner would be doing something different than the man himself would. This is a perfect opportunity to try different rhythms, grips and areas of focus. A man may discover his base is more sensitive than he thought or that he loves having his balls touched in a certain way, for example.

Keeping self-pleasuring fun and fresh can help a man learn more about his sensual self. It’s likewise important to care for the manhood skin to prevent chafing, dryness and loss of sensitivity due to the frictions of self-pleasuring. Using lubricant can help here, as can applying a male organ health crème (health professionals recommend Man1 Man Oil) daily. Packed with natural moisturizers, Man1 Man Oil can rejuvenate and protect the skin from friction. It also contains the neuroprotective ingredient acetyl L-carnitine, which may help preserve sensitivity. Maintaining good skin condition is imperative for member health, and men would do well to invest in quality lubes and skin care products.

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 manhood. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.