Combining Savings and Investments in Your Investment ISA

Although often referred to as an ISA investment account, an Individual Savings Account (ISA) is not actually a type of investment itself. It is a means of protecting some of the investments you make every year from taxes.

While the annual ISA allowance for individuals may change on an annual basis, it is currently possible to invest or save a total of £11,520 in a combination of cash ISA and stocks and share ISA. Assuming that you have your finances in good order, you are typically advised to take advantage of as much of your annual allowance as possible – it doesn’t roll over, so you will lose any unspent allowance at the end of the year.

Cash ISAs

You can save up to half of your annual allowance in a cash ISA. This type of ISA is basically a savings account, but because it is wrapped up in an Individual Savings Account it means that you will not have to pay interest on the capital itself or on any interest that you earn.

You cannot use more than the £5,760 for a cash ISA, but you may choose to invest less than this, and use any remaining amount to invest in stocks and shares ISAs.

Why Choose Cash ISAs?

Cash ISAs are considered a stable and secure form of investment ISA. Whereas stocks can be volatile, offering the possibility of profit and the danger of loss, you should be able to choose a cash investment ISA that protects your capital.

Easy access cash ISAs enable you to access the money in your account whenever you need it. If you do not have cash savings held separately to your investment portfolio, then you should consider this type of account, although the interest you earn will be lower than with a fixed term cash ISA.

Stocks And Shares ISAs

Rather than saving your money, you can choose one of the many types of stocks and shares investment ISA that are on the market. These enable you to invest in one or more stocks, securities, and bonds.

You are able to use the whole of your ISA allowance on stocks and shares bonds, if you wish, and you can choose whether you want to invest in a single company, a small number, or hundreds of organisations. As well as choosing stocks individually, you are able to choose funds and managed investment accounts.

Why Choose Stocks And Shares ISAs?

Stocks and shares are more volatile than cash. You should be aware that there is the possibility of losing money, as well as the potential for gaining money when you invest in company stock. Your investment will be guided by the performance of the companies you invest in.

As well as increased risk, however, stocks and shares also offer improved potential for profits. You could see your investment increase considerably, especially if you are able to leave your investment in place for a number of years. Generally, stocks and shares are less likely to lose money over a longer period of time, so long term investments should yield the greatest returns.

Types Of Stocks And Shares ISA

The most secure form of stocks and shares are securities or bonds. Companies and organisations offer a fixed amount of interest for people that buy the bonds. These are usually fixed term, and you should ensure that the interest you are set to receive is likely to be an improvement over inflation, otherwise you could be losing out on potential profits.

You can invest in stock in a single company, choose your own portfolio consisting of a number of companies, or invest in managed funds that have their own investment portfolio. The latter offers greater diversification in your investment ISA portfolio.

Creating A Diverse Investment ISA Portfolio

Creating a diverse portfolio is important, because it enables you to control the level of risk that you face. You can combine cash and investment ISAs, as well as investing in a broad selection of companies. Choosing a fund that has dozens of companies as part of its portfolio will certainly help to spread the risk, and there are many of these accounts. Some funds invest in specific types of stock, while others use the expertise of their fund managers simply to look for the highest returns.

Katalyst Technologies Inc. Launches Sales Katalyst For Enhanced B2B Customer Experience

EVANSTON, Ill., June 17, 2020 /PRNewswire/ — Katalyst Technologies Inc., a leader in catalyzing digital transformation for enterprises, today announced the launch of Sales Katalyst, a comprehensive solution for ecommerce businesses enabling them to integrate with any ERP system seamlessly. The solution will be a breakthrough to retail firms seeking a user-friendly platform to meet the needs of sales teams while feeding them real-time data. Sales Katalyst establishes a digital thread between businesses and their clients to help eliminate order errors, lessen customer service costs, and increase sales teams’ productivity.

“We’re excited as we provide the businesses an opportunity to leverage advanced technology for unlocking the success in modern sales environment while keeping their customers engaged,” said Rahul Shah, CEO at Katalyst Technologies Inc. “The most successful brands appreciate the significance of competitive differentiation, and we are eager to bring it at their disposal.”

Katalyst advocates deploying advanced technologies to transform the business process for end-to-end alignment, increasing system efficiency manifolds. With this approach, Sales Katalyst is adorned with smart features that enable businesses of any size to make sales smartly without value leakage. Apart from its ability to easily integrate with almost all ERPs, including ApparelMagic, Quick Books, Celero, and Zapier, Sales Katalyst comes with features like customized catalogs, impersonated logins, smart sales analytics, event management, and voice search.

For further information on Sales Katalyst, please see here.

About Katalyst:

Katalyst Technologies Inc. is a leading technology service and solutions provider. Katalyst focuses on helping businesses with digital transformation through our products, platforms, and services. Katalyst’s core area of expertise is ERP, Supply Chain Management, Engineering and Manufacturing, Digital & e-Commerce, Professional Services, and e-Publishing.

Red Male Organ Query: Does Diabetes Cause Balanitis?

Although there are many causes of a red male organ – including totally benign ones such as too much friction – when the red member presents with balanitis, a man needs to take some appropriate male organ health steps. Balanitis is a common issue for some men – and it may be more common for men who have diabetes.

Balanitis

What exactly is balanitis? It is defined as a condition in which the male organ becomes inflamed, usually on the glans (or “head”) of the manhood. The name is derived from a Greek word which means acorn, a reference to the vaguely acorn shape of the glans. Any man can have balanitis, but it tends to be more prevalent in men who are intact.

Although the exact number of men who have or have had balanitis is unknown, studies indicate that between 3% and 11% of men in the United States have experienced it. Children and adolescents tend to be more susceptible to balanitis, but many adult men deal with it as well.

What causes it?

Balanitis is an inflammation, which means that some sort of infection – usually bacterial or yeast-based – is present. This is more likely to occur due to improper hygiene; a man does not clean sufficiently in the area and an infection develops. It can sometimes be difficult to clean beneath the prepuce, which is why balanitis may be more likely to occur in an intact man.

In other cases, using too strong a cleanser can be the inciting cause of balanitis. Soap with very harsh chemicals or fragrances may irritate the skin, bringing about the inflammation.

Diabetes

But diabetes can also be a contributing factor in the development of balanitis. Some sources even suggest that diabetes is the main cause of balanitis in adult males. Since diabetes is an increasingly common issue, especially as men get older, it is important to understand the connection between diabetes and balanitis.

As most people know, diabetes is a condition in which the body is unable to properly regulate the amount of sugar in the blood (also called the glucose level). Blood sugar is the key to a person’s energy level and plays a big role in developing and maintaining muscles and tissues. When those levels are too low or too high, it can cause significant problems.

What does diabetes have to do with balanitis? It usually occurs when blood sugar levels are too high. Some of that excess sugar gets into the urine. When a man urinates, some residue often remains on the glans or slips down beneath the prepuce. If the urine is full of sugar, the drops that get waylaid on the manhood will deposit that sugar when the urine evaporates. The presence of that sugar causes the inflammation, and a red male organ results.

A man with diabetes needs to follow his prescribed course of treatment to properly monitor and maintain his blood glucose levels. He also needs to take appropriate steps to insure that his member – especially the glans and prepuce – is kept well-washed and free of bacteria or other contaminants.

A healthy habit

A man with diabetes who wants to avoid balanitis and the resulting red male organ should maintain his male organ health by regular use of a first-rate male organ health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). The itchiness and rashiness associated with balanitis responds well to a crème that has potent moisturizers, including Shea butter and vitamin E. Balanitis may also contribute to member odor issues, so a crème with vitamin A is recommended; the antibacterial properties of this vitamin go a long way toward suppressing unwanted stench emanating from the manhood. Whether a man has diabetes or not, use of a male organ health crème is advised.

Visit http://www.menshealthfirst.com for additional information on most common male organ health issues, tips on improving member 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.