Typically a Mutual Fund is an investment fund aimed at individual investors sponsored by an investment (or "mutual fund") house like Fidelity, Vanguard or T. Rowe Price. Each fund holds a "market basket" of stocks or bonds and individual investors buy into the fund by buying a share at "Net Asset Value," which is the total worth of the fund's holdings, calculated every day, divided by the number of shares outstanding. In other words, a mutual fund whose portfolio (value of all holdings) is worth a million dollars that has a hundred thousand shares outstanding will value those shares at ten dollars apiece. A typical stock-based mutual fund can earn its investors money in three ways: the dividends and capital gains that stocks pay out, and possible appreciation of the fund value per share.
For an individual investor, the advantage of owning a mutual fund is that s/he achieves diversity -- mutual funds own more than fifty stocks, on average -- that could not be achieved by buying a typical hundred shares of stock in only a few corporations. The disadvantages of such funds are that the "load" (sales commission) involved in buying or selling such funds can be considerable, and all funds incur some sort of service fees; that's how the investment house earns its money. Also, no "equity" or stock-based investment is guaranteed.
For an individual investor, the advantage of owning a mutual fund is that s/he achieves diversity -- mutual funds own more than fifty stocks, on average -- that could not be achieved by buying a typical hundred shares of stock in only a few corporations. The disadvantages of such funds are that the "load" (sales commission) involved in buying or selling such funds can be considerable, and all funds incur some sort of service fees; that's how the investment house earns its money. Also, no "equity" or stock-based investment is guaranteed.
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"My broker wants me to buy shares in something called an "open-end fund" but I don't know what that means."
"That's just a way to describe the majority of mutual funds, which remain open to all new investors who have the money to invest in them."
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"My broker wants me to buy shares in something called an "open-end fund" but I don't know what that means."
"That's just a way to describe the majority of mutual funds, which remain open to all new investors who have the money to invest in them."
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by al-in-chgo March 25, 2010
Get the Mutual Fundmug. A softcore gay erotic magazine or stroke book is allowed to show a man with an erection. But any other person nearby can only admire; no touching or penetration allowed. Nor can the tumescent model touch his own genitals although he could, for example, tweak one of his own nipples.
Interestingly, such softcore magazines are now at symbiosis with what most prisons (or penitentiarys) allow their prisoners in the way of pornography. Gay prison porn is gay softcore porn, and gay softcore porn is gay prison porn. The rules are similar for non-gay porn and female nude models.
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Interestingly, such softcore magazines are now at symbiosis with what most prisons (or penitentiarys) allow their prisoners in the way of pornography. Gay prison porn is gay softcore porn, and gay softcore porn is gay prison porn. The rules are similar for non-gay porn and female nude models.
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"You know what's killing off the softcore magazines?"
"Vids, of course."
"Yes, and not only that but video goes hardcore (or XXX) all the time -- even amateurs do it!"
"Yup -- cumshots all over the place in gay and straight videos alike; all it takes is a home video camera and a minimum of Internet expertise."
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"Vids, of course."
"Yes, and not only that but video goes hardcore (or XXX) all the time -- even amateurs do it!"
"Yup -- cumshots all over the place in gay and straight videos alike; all it takes is a home video camera and a minimum of Internet expertise."
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by al-in-chgo March 5, 2010
Get the softcoremug. A outside place in a house or apartment such as a patio or stoop where people go to pass gas after a heavy or gaseous meal.
by al-in-chgo July 15, 2015
Get the fart patiomug. A youngish man, usually gay, who has gotten quite fat but is neither old enough nor obese enough to qualify as a full-fledged "chub." Less insulting than the term "heifer" used sometimes to reference the same kind of individual.
"Joe may not quite be a "chubette," but with that paunch, his goatee and chest hair, he's a Bear by anyone's definition." If he gains much more weight he'll qualify for chubette. Moo! But chubby chasers will stand in line around the block to get to him.
Q: How many "chubettes" grow into full-time "chubs"?
A: They all do, unless they lose some weight and tone up; in which case they might pass for muscle bears.
Q: How many "chubettes" grow into full-time "chubs"?
A: They all do, unless they lose some weight and tone up; in which case they might pass for muscle bears.
by al-in-chgo February 7, 2010
Get the chubettemug. .
1) Stretched out or lying flat with one's face to the ground; or
2) Exhausted, enervated, lacking in will or energy.
Not to be confused with "prostate" (one 'r'), the interior male sexual gland responsible for about two-thirds of the volume of male ejaculate (semen).
1) Stretched out or lying flat with one's face to the ground; or
2) Exhausted, enervated, lacking in will or energy.
Not to be confused with "prostate" (one 'r'), the interior male sexual gland responsible for about two-thirds of the volume of male ejaculate (semen).
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"All hail the power of Jesus' name, let angels prostrate fall...." (18th-Century Protestant hymn).
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"All hail the power of Jesus' name, let angels prostrate fall...." (18th-Century Protestant hymn).
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by al-in-chgo March 6, 2010
Get the prostratemug. .
Scrubby, palm-like bush native to the South Carolina. Widely available dried, ground and put into OTC supplements in capsule form from numerous manufacturers.
Since this herbal product is not regulated by the US Food and Drug Administration (FDA), empirical claims or benefits are hard to come by. It may be just a nostrum, but many middle-aged men consider it helpful for prostate function or flow.
Manufacturers' recommended dosages are usually one or two capsules per day. Common formulations include 100 mg per capsule for saw palmetto from the berry portion only, or around 500 mg from the overall plant, sometimes including some berry-only derived saw palmetto and other additives such as pygeum and pumpkin seed.
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Scrubby, palm-like bush native to the South Carolina. Widely available dried, ground and put into OTC supplements in capsule form from numerous manufacturers.
Since this herbal product is not regulated by the US Food and Drug Administration (FDA), empirical claims or benefits are hard to come by. It may be just a nostrum, but many middle-aged men consider it helpful for prostate function or flow.
Manufacturers' recommended dosages are usually one or two capsules per day. Common formulations include 100 mg per capsule for saw palmetto from the berry portion only, or around 500 mg from the overall plant, sometimes including some berry-only derived saw palmetto and other additives such as pygeum and pumpkin seed.
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"Uncle Jerry says saw palmetto makes him hornier because it works with zinc to increase and improve the flow of prostatic fluid."
"Prostatic fluid?"
"Yes, Kyle, the stuff that makes up about two-thirds of your semen."
"Are you sure it isn't just a nostrum with a placebo effect?"
"Could be, but why would my uncle avoid something that he knows has helped him even if the way it works is merely psychological?"
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"Prostatic fluid?"
"Yes, Kyle, the stuff that makes up about two-thirds of your semen."
"Are you sure it isn't just a nostrum with a placebo effect?"
"Could be, but why would my uncle avoid something that he knows has helped him even if the way it works is merely psychological?"
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by al-in-chgo March 7, 2010
Get the saw palmettomug. The three "h's" of "Bear" are "Husky, Hirsute and Homosexual." Add "Muscle" in front and the term defines:
a. A hairy (esp. chest)ed gay man, usually of middle years or more, who is well-muscled or well defined ("cut")usually from body-building or progressive-resistance gym work, with visible attributes such as forearm "guns" or "six-pack abs."
b. More generally, any hairy-chested mature (usually but not definitively) gay male who is at least somewhat physically fit, especially one who presents an imposing or dominant presence. Facial hair and a blue-collar look such as the cliche plaid lumberjack shirt add to the image.
a. A hairy (esp. chest)ed gay man, usually of middle years or more, who is well-muscled or well defined ("cut")usually from body-building or progressive-resistance gym work, with visible attributes such as forearm "guns" or "six-pack abs."
b. More generally, any hairy-chested mature (usually but not definitively) gay male who is at least somewhat physically fit, especially one who presents an imposing or dominant presence. Facial hair and a blue-collar look such as the cliche plaid lumberjack shirt add to the image.
(Definition a) -- "OK, in a day when 'Muscle Bear' has started to nudge out older descriptions like "virile, red-blooded, hairy-chested American male, who do you think is really a muscle bear? Can you put it in terms I'd understand?" -- "Oh, you mean gay porn! Blake Nolan, Dean Coulter, probably Arpad Miklos who wears his muscles so well, possibly Ross Hurston, the power bottom from England, and maybe the very hairy hunky Ray Harley. If Ray grew a beard and played the sexual top more often, I think he'd qualify.
But to me, the quintessential Muscle Bear is Tim Kelly in the HOM gay-porn vids. Woof!"
(Definition b) -- "Mary's straight-as-an-arrow husband Lochinvar is six foot one, hairy, a little chunky but still in good shape from outdoor work. He's forty-three and wears a goatee. Is it safe to call him a muscle bear?" -- "Well, you'd better check it out with Mary to see if he would get upset at any gay inference. But if Mr. L. grows a beard and starts hanging out in taverns every evening, perhaps Mary should start worrying. And why are YOU so concerned, might I ask?"
But to me, the quintessential Muscle Bear is Tim Kelly in the HOM gay-porn vids. Woof!"
(Definition b) -- "Mary's straight-as-an-arrow husband Lochinvar is six foot one, hairy, a little chunky but still in good shape from outdoor work. He's forty-three and wears a goatee. Is it safe to call him a muscle bear?" -- "Well, you'd better check it out with Mary to see if he would get upset at any gay inference. But if Mr. L. grows a beard and starts hanging out in taverns every evening, perhaps Mary should start worrying. And why are YOU so concerned, might I ask?"
by al-in-chgo February 18, 2010
Get the muscle bearmug.