Every investor is concerned about the risk and returns associated with an investment. You need to understand the features and the expected return on an investment before you make a decision. There are a number of investment products in the market. Bonds are one of the debt investment products. They are highly preferred as a long-term investment. A high-yield bond is basically a high-return bond with a low credit rating. The credit rating of the bond is slightly lower than that of treasury or corporate bonds. High-yield bond funds pay a higher return on investment and have a high debt ratio. Risks on high-yield bond funds High yield bond funds are high on risk. The default rate on this investment is as high as 4% per year, and a lot of investors do not see a major change in the defaults in any year. The bonds are highly volatile as compared to any other area of the market. However, it does not mean that the bonds have not performed well. At the same time, it is important to keep in mind that they fall quickly when the market tumbles. Before you make an investment decision, you need to understand that the bonds carry a high rate of risk, and consider your risk appetite with regard to the same. Returns on high-yield bond funds The return on any kind of investment is a second major concern after risk. Over a long period of time, it has been noted that the performance of high-yield bond funds has not dampened. If you consider a 10-year period, the bonds have performed consistently well and better than all other segments of fixed income. The returns have been positive and the risk-reward trade-off has been excellent. When investor confidence is high, the bonds perform much better. If you compare all the fixed-income investment products, you will notice that the high-yield bond funds have performed much better in the last decade. A year-on-year comparison will help you make a better decision with regard to the investment. If you already invest in exchange-traded funds and high-risk mutual funds, you need not worry about the risks associated with these bonds. If you have a high-risk appetite and are looking at the long-term, bond funds are ideal for your investment and will lead to a good diversification of your portfolio.

When it comes to the security of the laptops and computers, there should not be any compromise as the data in these personal devices is very crucial. The Targus DEFCON CCL Coiled Cable Lock is one of the laptop security locks that allows users of the computer or laptop from potential theft. The Targus DEFCON CCL lock is designed in such a way that it can protect the laptop and desktop from theft. It is a 6 ft cut-resistant steel cable which is coiled. This galvanized steel cable can be looped around an object which is strong and which can be easily attached to the laptop's lock slot. As the laptop lock is in a colied form it is very much easy to carry this lock. As the laptop lock is smaller in size, it is also easy to store the cable. The DEFCON CCL has an advantage of being able to set to 10,000 possible combination settings which increase the security of the laptop. This lock can be used in the office, school, dorms, hotel rooms or anywhere there is a risk of potential theft. The Kensington MicroSaver Security Cable Lock is another one of the laptop security locks which can be used to lock 15-inch laptop, 16-inch laptop or 17 inch laptop.  This laptop lock from Lenovo gives an extra level of security to the laptops. The laptops or notebooks are locked to an object physically which increases the security of the devices. The Kensington Microsaver locks are made of strong steel and the carbon and steel composite cable. The T-bar lock gives a superior strength and provides an extra protection from potential theft. The Microsaver lock is designed in a sleek style and this helps in using the lock as it won't block the other ports of the laptop or notebook. The Microsaver lock is easy to use in the office, college or while traveling. This lock is compatible to use with the Thinkpad notebooks, ThinkCentre desktops etc. The Lock Bracket Kit is another laptop security locks which helps in protecting the laptops and desktops. The Wedge Bracket Locking System designed for Apple's MacBook Air is designed with a cutting-edge technology. The lock is designed with the aluminum bracket and the security slot which is in shape of a wedge. This laptop lock is designed in a slim design. The slim bracket of the lock which is designed in an extremely lighter manner helps in securing the MacBook with the screws especially provided to secure the laptop. Maclock MBA lock bracket kit helps in protecting the laptop or notebook and especially the MacBook Air. The lock is designed in a loop ended manner which is made from galvanized steel which can be used the laptop or desktop in an anchor point or can be used to lock by looping around an object.

Computers, which were initially restricted for being used in different important offices and institutions, have now become a thing of necessity in many homes. With the increasing dependence on computers, several new brands have come up in the market and have manufactured a wide range of devices. Computers have undergone a sea of changes in the last few decades. To offer the required ease of use as well as portability, companies have now introduced laptop and tablets along with the desktop computers. Getting durable laptop batteries for your device can allow you to work in any remote place without getting it charged. A durable battery that can offer a constant backup is necessary for any laptop users, irrespective of their profession or reason for use. However, just getting the battery is not enough. When you are purchasing a laptop, you need to consider the additional accessories as well. One such is the laptop mouse. If you use the device extensively and need a detachable mouse other than the trackpad, you can search the web for it. Nowadays, users who prefer to use detachable mouse and keyboard for their laptops. Thus, it will not be very difficult for you to find the item of your choice. Just browse through any online store offering laptop accessories and check whether it has compatible items for your device. Laptop mouse or keyboards are not the only accessories that you may need to purchase. In some cases, users may also have to purchase laptop adapters additionally. This mostly happens if the original adapter has been damaged or lost accidentally. When purchasing laptop adapters, you should give special importance to the model number of the device. A mismatched accessory will never fit into your device. Even if it fits, it might cause damage to the battery or the entire device. So, purchase carefully. People who do not have the time to visit different stores for finding the right laptop mouse or laptop adapters can check the collections offered by online stores. Browse through a few stores and find the one, which is offering the right accessory at the right price. Nowadays, many stores offer laptop motherboards as well. However, replacing the motherboard of your laptop is something that you should try and avoid. It is the most important component of the device and changing it can affect the functioning of the device completely. Still, in case, you need to purchase laptop motherboards online, you should search for an authorized seller. Purchasing laptop batteries, motherboards or adapters can help you save some money as these stores charge a bit less than any local retailers. They may charge some shipping cost. Therefore, to save money, you should check the shipping terms and place the order.

Raking and cleaning your backyard or lawn during spring cleaning or even winters can be a tiring task. You have to stack leaves, mulch, and debris without bothering the neighbors. Technology has advanced to great levels though. You can clean up your yard in half the time and lesser labor. That is because leaf blowers have evolved. We now have motor-powered, electric, and gas leaf blowers. Now you can blow away the leaves into a pile without excessive manual labor. All types of leaf blowers do the job. They clean up your yard. Some can even clean the clippings of a bush, trees and small plants while others can clear out the mulch. Among the categories of leaf blowers present, gas leaf blower seems to hit the brief the best. How are they different from any other blower? Well, first, many of them come in handheld, wheeled, and backpack forms. So if it is laborious for you to lug around a rake, you can carry these gas leaf blowers in your hands or even on your back. Most of gas leaf blowers run on fuel while some run on a combination of electricity and fuel. Performance is affected to an extent in a gas leaf blower that is both electricity and fuel run. Therefore, it becomes important to keep a few things in mind about gas leaf blowers, when you are investing in them.

Efficiency and mobility

Gas leaf blowers are suitable for large areas and offer long usage. They run on fuel so always check with the seller about the type and quantity of the fuel. You can push the leaves, clippings and other debris to one side using a gas leaf blower. Unlike push gas blowers, gas leaf blowers come in backpack and wheel forms, so you don't have to carry them always. With appropriate maintenance, your gas leaf blower will remain efficient and mobile.

Type of gas leaf blowers

Gas leaf blowers come in a vacuum form or either blower type form. The vacuum form comes with an attached bag to collect the leaves and can carry up to 16 bags of leaves in a standard size. One thing to keep in mind is that these gas leaf blowers run on a 2-cycle or 4-cycle engine. This can make them noisy and loud. Ensure that you choose a time for your work, so as to not disturb your neighbors.

Backpack and wheeled blowers

These are an alternative to the typical handheld gas blower. An advantage of these two kinds is that the weight of leaves shifts either on to your back or on the ground. But where handheld blower reaches corners, wheeled gas blowers are difficult to maneuver. Choose your pick keeping in mind the size of your yard and the regularity with which you use them.

Safety

Gas leaf blowers can be quite noisy and run on fuel. Both elements need added precautions. Whenever you use the blower, cover your ears with earmuffs and wear protective eye gear. Your gas leaf blower should also have a safety switch that you can use in an instant. Fuel should not leak and should be easy to detect and curb in case of a leak. Checking this should be your priority. Another important thing to remember is to blow the gas leaf blower in a single direction. Instead of attacking the leaves, choose a point and collect the leaves in one corner or corners. A better option is to do so on a tarp so that you can move the pile of leaves or mulch in a quiet manner. Also, many people either use a small blower for their yards or ignore the purpose of a gas leaf blower. Once you invest in a good leaf blower, use it in a way that suits your needs. Keep checking the fuel tank and keep it clean before filling it again. You can also try and buy covers for gas leaf blowers that muffle the sounds generated by the device. Keeping these options in mind, you can use any gas leaf blower available. You can do your research and compare various models in the market for estimating the costs. This way you can keep both your yard and the device spic and span.

Colored contact lenses are specially-designed lenses enabling the users to change their eye colors. These are available in bothon-prescription (plano) and prescription forms. With prescription colored lenses, you can not only correct your vision (be it myopia, hyperopia or astigmatism), but also have fun with different eye colors. Plano colored lenses are designed only for cosmetic purposes and do not correct any vision problem. While it is nice to have an easy option to change one's eye color, there are risks associated with the use of colored contact lenses just as with the usage of any regular contact lens. Proper colored contact lens use and care Whether you want to use a prescription colored lens or a non-prescription one, you still need to follow all recommendations for proper use of lenses. Otherwise you risk contracting eye infections and causing damage to your eye.

• In some countries like the US, the sale of colored contact lenses with no prescription is illegal. So, it is very important that you first consult with an ophthalmologist even if you want to buy only cosmetic contact lenses with no power. Only buy colored contact lenses from places that ask for a prescription. When you consult with a doctor about using any kind of cosmetic contact lens, you are ensuring the safety of your eyes.
• During your consultation, your ophthalmologist can assess, if you are a good candidate for wearing contact lenses, if you have any existing eye infection that can become worse with your contact lens use and provide you with proper measurements for the right-sized lens. Your doctor can also guide you to proper care for your eyes and lenses to minimize the risk of infections and keep your eyes healthy.
• During your consultation, your ophthalmologist can assess, if you are a good candidate for wearing contact lenses, if you have any existing eye infection that can become worse with your contact lens use and provide you with proper measurements for the right-sized lens. Your doctor can also guide you to proper care for your eyes and lenses to minimize the risk of infections and keep your eyes healthy.

Always purchase colored contact lenses from licensed shops. Refrain from buying from online retail shop or any place not authorized to sell cosmetic contact lenses. After each use, thoroughly clean your lenses and store them properly in the lens case. Also keep the lens container clean by washing it with a sterile solution. Replace the case after a few months of use. Always store your cosmetic contact lenses as per the instructions of your doctor. Remember, you can't forever use your colored contact lenses. You may need to replace it as guided by your ophthalmologist. Neither share your cosmetic contact lenses with anyone else, nor borrow lenses from anyone else, even if it is for one-time use. In case, you experience any redness or pain in the eye during or after using colored contact lenses, seek medical help. These could be signs of an eye infection and may require treatment. For immediate relief from irritation or itchy eyes, remove the lenses and rinse your eyes with clean tap water. Don't wear your lenses again until you have seen a doctor. You can safely use colored contact lenses on a regular basis if you follow all care guidance diligently while using them.

Moving into your own home is a special feeling. Holding the keys of your place, and the feeling of starting a family with a partner, are indeed heart-touching moments in your life. As a homemaker, you always dream of having the best home appliances for your family, that can make you all feel comfortable. Whether it is eating or doing the laundry, you want electronics that are world-class and function for years. Our guide on how to buy the best home electronics will help you adorn your new den and meet your needs, too. Change the locks The first thing you need to do as a new homeowner is to change the locks and keys of the doors. This is because the seller of the house must have given the key to neighbors, coworkers, friends and someone must have already had a set of keys to the new house. So, it is indeed a smart move to remove the locks, take it to a hardware store and get it re-keyed. Start with the basic Usually, when it comes to rented places, the owners leave something or the other for the tenants. So, it's a good idea to use those, because it can save you some money. So, check with the owner what all will he provide and then buy what you need. If not, start with the basic. You don't want to start collecting your art pieces at home. Go slow, and cover the essential home appliances. Some of us, buy the fancy ones first and ignore the daily needs. Don't fall into that category. Lawnmower and garden supplies If you have a garden area, you will need a lawn mower to clean the yard. Otherwise, your yard will be filled with resistant vegetation. Some new homes do not come with any landscaping. All they have is dirt. If that is the case, then you have to spend money and transform the dirt in to a beautiful green space. And when you have a garden, it is obvious that you need garden supplies. Garden hose, sprinklers, push broom, weed whackers, rakes, shovels trowels are some the essential supplies that you will need for your garden. You can also buy a wagon or a wheel barrow to carry stuff from garage to garden. For the outdoor space If you have a beautiful yard, it will be a good idea to arrange something for outdoor entertainment. Think of useful appliances and props like barbeque grill, patio furniture, lawn chairs, and an umbrella. If you live at a cold place, then you need to buy tools to remove snow from your drive as well.