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What makes mutual fund investment a better choice than bonds?



Mutual Funds are one of the most commonly used investment options. An average individual will invest in a mutual fund through their financial services provider, such as a bank or a mutual fund company. Most people don’t even know that there are many different types of mutual funds. Some are better than others, depending on your situation and goals for the money you invest. Investing in a mutual fund is generally considered to be a more conservative way to build your portfolio than investing directly in stocks. That’s because when you invest directly in stocks, you bear the risk that the value of those investments might go down over time. However, mutual fund investment means that you don’t have to worry about this risk since the money invested is pooled with other investors and managed by an investment professional who understands securities and market behavior. These professionals take on all the risks and ensure that your money is protected at all times.

What is a Mutual Fund?

A mutual fund is a type of investment that pools money from many investors to buy a collection of stocks or other securities. Each investor owns a small piece of the whole fund. This collection may include a variety of stocks and bonds from a variety of sources, which creates a portfolio that’s unique to each fund. The managers of these funds often choose the stocks and bonds that make up the investment portfolio. Fund managers don’t own all of the stocks that they choose to include in the fund. Instead, they choose securities that will provide investors with a return that’s close to the average return in the stock market today. This way, you don’t have to take on all the risks of owning individual stocks directly. Instead, you can own a collection of stocks that are managed by a team of experts who know how to make good investments.

Why Invest in Mutual Funds?

To answer this question, let’s take a look at the pros and cons of investing in mutual funds. Advantages of Investing in Mutual Funds – Easy Accessibility – Mutual funds are widely available and easy to open an account with. You don’t even have to be a millionaire to invest. You can open an account with a mutual fund company and start investing as little. You don’t even have to be a good investor to make money. If you have some amount and you put that into a mutual fund, you could make a profit. That’s easy money, especially if you’re investing in a fund that has a return of 10%. Disadvantages of Investing in Mutual Funds – Mature Industry – Mutual funds are an older industry, which means that they’re more mature than the industry surrounding individual stocks. That means that more rules and regulations apply to mutual fund companies, which may slow down the industry in some ways (such as speed of innovation and growth). Greater Risk – Mutual funds take on greater risk than bonds, which means that they should produce higher returns. The downside to this is that there’s a greater chance that the fund could lose money. This risk is something you need to consider when deciding whether mutual funds are a good investment for you.


Fund managers don’t own all of the stocks that they choose to include in the fund. Instead, they choose securities that will provide investors with a return that’s close to the average return on stocks. This way, you don’t have to take on all the risks of owning individual stocks directly. Instead, you can own a collection of stocks that are managed by a team of experts who know how to make good investments.

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Types And Techniques Of Purposive Sampling



Purposive Sampling

Researchers use purposive sampling to sample the participants of a study. It provides data from information-rich sources most suitable for study. It is a quick and efficient sampling technique. This sampling technique comprises some techniques. This article will explore the types and techniques of purposive sampling in research.

Understanding Purposive Sampling and Its Importance in a Research

Purposive sampling is a type of non-probability sampling technique. It refers to selecting participants with a purpose in a study. The purpose derives from the topic of the study. It may also be due to satisfying certain characteristics essential for the research. The researcher selects a sample with the help of its judgment abilities. So, the researcher selects a sample with its discretion of appropriateness. Its use is common in quantitative and qualitative methods. Researchers more often use this sampling technique in selecting participants. It provides an efficient sampling of the participants. It is suitable when researchers do not concern about the proportionality of samples. The other names of purposive sampling are as follows;

  • Judgmental Sampling Technique.
  • Subjective Sampling Technique.
  • Selective Sampling Technique.

How to Make Samples in Purposive Sampling?

Making suitable samples for a study is easy in purposive sampling. The researcher can select the best-fit participants for the study with their knowledge. Following is the guideline to make samples in purposive sampling;

  • Identify the irrelevant population of the study.
  • Select the most relevant participants keeping in view the topic of the study.
  • Identify chosen participants who are meeting the characteristics essential for research.
  • Judge the appropriateness of the participants.
  • Narrow down the best-fit sample for the study.
  • The best-fit sample is ready to take part in the study.

What Are the Types and Techniques of Purposive Sampling?

Discussing with researchers of dissertation writing services, they told me that there are seven types and techniques of purposive sampling in research. They are as follows;

Homogeneous Purposive Sampling

In this purposive sampling technique, each participant exhibits shared characteristics. These shared characteristics are homogenous in nature. These homogeneous characteristics may be age or gender. It may be qualification or nationality. They are essential for the research. For instance, researchers are willing to know about women’s harassment in the workplace. They will get data only from working females. This is a homogenous sample created on the basis of gender.

Maximum Variation Sampling

As the name implies, it carries diverse cases. These diverse cases are essential for conducting a research study. It is also known as the heterogeneous technique of purposive sampling. The underlying aim of this technique is to provide a diverse range of cases. They assist in collecting deep insights on the topic of the study. For instance, in a street murder case, the researcher will collect as much data as possible. The aim is to present a final statement on the basis of much evidence. This is an example of the heterogeneous technique of purposive sampling.

Typical Case Sampling

In this technique, the research samples data from a “typical” group of the population. This typical sample is representative of the vulnerable population group. They are, in fact, affect the most. For instance, data collection from acid-attack victims in a study. The researcher’s focus on “acid victims” is a typical case.

Deviant Case Sampling

The researcher samples participant that diverges from the norm. They do so in understanding an issue or a trend. It is also known as expert case sampling. For instance, if a researcher wants to know the association between homework habits and high achievers in academia. The researcher will purposively sample high academic achievers in the course.

Critical Case Sampling

In this technique, the researcher chooses one case as the basis of the study. The case may be usual or specific. The aim is to get a robust understanding of the topic under a case. Its understanding act as a lesson for current and future studies. It reflects the purest form of insight into the phenomenon under study.

Total population Sampling

The researcher selects an entire population group. This group exhibits shared characteristics. These shared characteristics may be one or more. It generates reviews of particular events or happenings. These reviews are easy to get within a large population set.

Expert Sampling

Researcher samples participants who have a wealth of expertise. Its use is common in the early process of a research study. The researcher gets information to get a deep understanding of the topic. This information assists the researcher well before embarking on the final process. They are helpful to the researcher in shaping the research objectives of the study. Moreover, they lay down the hypotheses as well.

What Are The Benefits Of Using Purposive Sampling in Research?

There are some benefits of using purposive sampling in a research study. They are as follows;

  • It is a cost-effective sampling technique.
  • It saves time for the researcher by eliminating irrelevant populations for a study.
  • It provides context-specific information.
  • It allows the researcher to narrow down suitable participants with its judgment.
  • There is less chance of error due to most appropriateness of the participants in the study.
  • It provides greater room to generalise the findings of the study.

What Are The Disadvantages of Purposive Sampling in Research?

The purposive sampling technique has some disadvantages in research. These disadvantages are as follows;

  • The participants can provide misleading information. It may lead to invalid findings.
  • The analysis becomes difficult due to misleading findings.
  • It may be subject to the researcher’s biases in making samples.
  • The sampling technique may lead to biasness as well.
  • It is not effective for gathering data from large population groups.

Final Thoughts

Purposive sampling assists researchers to select samples on the basis of their judgment. These samples have essential characteristics suitable for the study. It saves time and cost for the researcher in data collection. The researcher can apply its techniques in sampling participants for the study. Yet, it involves bias and error of the researcher. Still, researchers use purposive sampling in quantitative and qualitative research methods.

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Choosing the Right Time for a Quick AC Repair Session



No matter how well and cautiously you are using the air conditioner, you might still need a quick AC repair session at any time. This is because air-conditioning systems are always on the top of the list when talking about most hard working home appliances, especially during summer months because cooling systems are required to function uninterruptedly throughout the day in this season.

So basically, in an era where most of the people rely on artificial cooling to get a comfortable life during hot mid-year months, AC repair Pembroke Pines technicians render 24×7 services to assure a sudden failure of your air conditioner can’t trouble you for too long. No denying that scheduling a quick repair session is crucial whenever an air conditioner stops working. But sometimes, you may need to call AC specialists, even when your air conditioner is working. So, we’ll here explore such situations when you might need a quick AC repair Session.

AC Producing Unusual and Disturbing Noises 

As we have mentioned earlier, you may need AC repair services even when your air conditioner is cooling your home. Yes, there are times when the air-conditioning system starts producing unusual and disturbing sounds, and you should not delay in calling the professionals in that case. Timely servicing by specialists is really important to avoid major problems, while on the other hand, neglecting minor bugs often leads to a sudden AC collapse.

Power Consumption is Unnecessarily Increasing

In some specific situations, unnecessarily increasing power consumption of an air conditioner might also prompt the user to schedule a quick repair session. Though cleaning the major AC components can help to cut down air-conditioning bills, yet it’s better to get the machine inspected by professionals at least once every year.

It’s Taking Too Long to Achieve the Desired Temperature

This is also not a good sign if your air conditioner is taking too long to deliver the desired temperature in the room because it often happens when one or more parts of the machine aren’t working well. You’ll need to hire professionals in that case for repairing or replacing those AC parts.

Uneven Cooling in the Room

This situation may also prompt the user to get in touch with AC repair specialists when an air conditioner fails to maintain balanced cooling all over the room.

Showing negligence towards these problems will only create more problems later, which may cost a large amount of money.

Reference & Resources:-

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Revature Sheds Light on the Opportunity Gap for Women in Tech Jobs




Women make up approximately 50.8% of the population of the United States. However, merely 18.7 % of the software developers in the country are women. Such importunate gaps are the reason why it is vital to shine a spotlight on the need for greater gender diversity in tech. More young girls and women must be encouraged to pursue careers in the domain of technology. An opportunity gap for women negatively impacts all. It is well documented that organizations that are less diverse also make less money and have lesser innovation. Companies like Revature proactively work towards getting more women involved in the tech workforce.

Revature discusses the approach to follow to employ more women in tech based jobs

In the wake of the Covid-19 pandemic and the ongoing reckoning with historic injustice in the U.S., a lot of people are looking far beyond their paychecks when determining where to work. There is strong evidence that inclusive workplace culture is among the most important factors associated with employee recruitment and retention. Shutting down opportunity gaps in the hiring process can be a smart move for any company. Doing so is fairly simple, especially when it comes to tech recruitment.

Most hiring managers generally try to recruit computer-science majors fresh from the leading colleges, when looking for entry-level tech talent. While this approach does make sense, it also has certain negative aspects. First of all, there are not enough graduates from tech programs of major colleges to go around. Hence, alumni command sky-high salaries and usually to hop from one job to another. Secondly, recruiting exclusively from elite colleges is not a good idea if one aims to have a diverse set of employees. The representation of women among U.S. computer science majors has declined since the 1980s. The figure halved between the period of 1985 and 2010, and has not recovered much since then. As a result, in the face of stark opportunity gaps, companies need to start looking well beyond elite colleges. Managers should be prepared to hire candidates not for brand names, but for attitude and aptitude, which will ultimately help their company in the long run. Managers must also train their talent for the particular task at hand.

Many of the bold tech hiring managers of today are starting to look beyond the traditional four-year institutions altogether. For instance, they are likely to consider community colleges, where two-thirds of the students are female, by certain estimates. Moreover, more than 80% of community college students hold jobs while studying, which underline their determination to learn and perform under pressure. Both of these skills are huge assets in the constantly evolving field of technology.

Revature partners with several colleges across the United States, as well as NGOs that put emphasis on empowering more women in tech. This company makes use of proprietary methods to seek out the most driven and smart candidates, no matter what they majored in or where they got their degrees. Around 89% of the associates of this company are hired full-time by one of their client enterprises, and almost 90% of them are still with their employer after four years.

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