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The Georgicks of Virgil, with an English Translation and Notes Virgil, John Martyn Ipsi in defossis specubus secura sub alta Otia agunt terra, congestaque robora, Pierius says it is confecto in the Roman manuscript. And Tacitus also says the Germans used to make caves to defend them from the severity of winter, .

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But the lenders dumped only about Rs. You will just depress the price. Let me sell my stake to someone else, just half of it, and that should fetch me at least Rs. So they all decided to not sell shares until September And to not ask for money until then. This is the stand-still agreement people talk about. However, this raises a specific question on bonds like the above. They are held in FMPs that mature. At maturity, there is no money to pay because, hey, stand-still agreement.

This is where it gets tricky. And it continues to hold these bonds in other FMPs and funds too! These are just the ones maturing soon — there are others, maturing later, that still have this exposure. So: we will pay you what we have, and the rest when we recover the rest of the money. Solutions later, but first, the other stuff. Sleeping, or pretending to be. The bonds are rated by Brickworks, which is a rating agency, and by nature rating agencies are egregiously untrustworthy.

Amway is a pyramid scheme

But even among these rating agencies, who I repeat we should never trust, Brickworks is at the lowest end of the trust or lack of trust scale. On a scale of 1 to 10, you might offer Crisil a minus 5, but Brickworks would be a minus Mutual funds did. And do. And that is a failure of the regulator because they refuse to admit, even after a crisis of name your religious big book proportions, that rating agencies should not be trusted.

And especially not so for regulatory limits — we should enforce that people who invest do their own thinking and have complete access to the data that rating agencies use. But Edisons had defaulted on a bond on 22 March The rating is dated 10th April How can you put out a rating release after nearly 3 weeks saying that the bond has been extended? They are required to provide an update within a day or two — and they have been dinged in the past for delays of this sort. The fund house too, if it participated in such misselling. But there is a risk in investing in debt funds.

You are effectively lending to whoever the fund is lending to. A bank is different.

How To Fund Your Startup - Dan Martell

It takes the risk on its balance sheet — you are isolated from it as a depositor to a large extent, beyond which as a taxpayer you pay, but at least you get equity in the bank for it. You need to understand that mutual funds have some risk at least. Look at this fund — this horribly FMP from Kotak which has supposedly brought down the house. This is the chart of its performance.

That means out of an NAV of You invested Rs. This means that over 3. At least here you only lost 4 percent. This was not the only investment by the fund. There were others.


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Fourth, why such high concentration levels? I can understand this in open ended funds — where, because a lot of investors have exit, the remaining portfolio has concentration issues as the exits forced a fund to sell the liquid part of the portfolio. The illiquid part becomes a relatively higher percentage. Also I believe that Kotak has been skewered for this.


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  • But HDFC gets away easy. It has about cr. SEBI in fact needs to come down even harder on the largest fund house in the country. Zee redeemable preference share.

    How I lost my friend to Amway

    Which should have given them Rs. That they decided not to pay is a dangerous sign. They are taking advantage of this standstill agreement, and not even paying money they have received, and letting bonds go into default. Mutual funds must know this and demand a payment. You have shares. They dilly dally, you sell. You might want to see which open ended funds you own, and maybe correct or change the exposure.

    Going forward, the idea in making debt investments is: be ready for some risk. Funds in India are better regulated than banks — and will do a lot to ensure they maximize value for you. Kotak or HDFC can easily mark the bonds down to a low value and sell them to interested vulture funds at those low prices — and ensure you get some money back but not all. FMPs are useful to get this four year inflation indexation thingy.

    Amway is a pyramid scheme • Money After Graduation

    Regions like the U. One example, in this case, would be my home country Pakistan, where security has improved exponentially during the past three to five years, and Telenor a Norwegian telecom company now owns the second largest market share within Pakistani telecom industry. With the Internet Live Stats estimating the number of internet users in Pakistan to be 34 million, E-commerce is beginning to be massively popular in Pakistan. But, based on a brief review I did, it seems that no E-commerce companies are investing in the more sustainable and economical inbound marketing strategies like SEO, content marketing, and CRO, and are, instead, hugely dependent on the riskier and less sustainable mediums of Facebook advertising and Facebook retargeting tactics alone.

    This only means more opportunities for the wiser entrepreneurs. The Internet of Things IoT is on the rise given that after having networked mobile phones, TVs, and computers, the tech entrepreneurs and geeks of the world are working on networking devices like homes and refrigerators to make them smarter so as to improve our quality of life even further. One can only image the kind of changes it will make to our business and our lives.

    Above mentioned are the five most happening industries with the most opportunities for growth in the coming years. As the rate of entrepreneurship rises, you should be well-informed at identifying the industries that provide the best prospects for employment and business. Online Retail From paying bills using a mobile phone to ordering a variety of items online, we are increasingly transforming into a population which gets everything done online.

    Amway is a pyramid scheme

    Internet of Things IoT The Internet of Things IoT is on the rise given that after having networked mobile phones, TVs, and computers, the tech entrepreneurs and geeks of the world are working on networking devices like homes and refrigerators to make them smarter so as to improve our quality of life even further. Syed Irfan Ajmal. See Syed Irfan Ajmal's Profile.

    2. The Sharing Economy

    Thanks for reading or skimming through - yes I do that too at times my article. If you have any questions or criticism, please feel free to reach out to me on social media or elsewhere. My Brief Bio: I am a lifestyle entrepreneur, marketer, author and public speaker. I am passionate about marketing obviously! And I don't like to talk about myself in third person : Feel free to visit my blog www.


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