It is the application of that instrument that makes all the differenceAs a general rule, for all your short-term financial goals, choose an investment instrument that has debt nature, for example fixed deposits, debt mutual funds, etc. We're also looking forward to some alone time and a good corner to read all the books we haven't had a chance to yet. This bifurcation of goals into short-term vs long-term will help in choosing the right investment instrument to achieve them.By now, you should be ready with your list of financial goals. Though setting financial goals might seem to be a daunting task, if one has the will and clarity of thought, it is rather easy. But here are some great alternatives you can offer. Well, do not fear! Tired of staying inside and not knowing what to do with friends during the winter? Get creative and make something with your hands. These patriotic desserts are a fun, festive treat.Celebrate the Fourth of July with these red, white, and blue desserts that are perfect for a party!