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03.03.2016
Today technology has given a platform where people can educate themselves before making any financial decision. So here we are going to help those who like to keep their investment safe with doubling their invested money. State Bank Of Hyderabad (SBH), have launched a new special term deposit scheme where your deposit gets doubled in a set period of time. The rate of interest for senior citizens is 10.20% which makes their deposit doubles in just 83 months. Central Bank of India has launched a special scheme which offers you the benefit to double your deposits in a set period of time. The rate of interest for senior citizens is 9.85% which makes their deposit doubles in just 87 months. Tamilnad Mercantile Bank (TMB) latest deposit scheme ‘TMB Double’ offers you to double your deposit in a set period of time.
Andhra Bank (AB) deposit scheme ‘AB Double Scheme’ offers you to double your deposit in a set period of time. In order to serve content on our website, we rely on advertising revenue which helps us to ensure that we continue to serve high quality, unbiased journalism. In order to serve content on our website, we rely on advertising revenue which helps us ensure that we continue to serve high quality, unbiased journalism. This is a unit linked insurance plan (Ulip), which are transparent investment products that invest your money in the market and also provide some amount of insurance cover. This is a type II Ulip—it gives both sum assured and fund value to the nominee on death of the policyholder. The premium allocation charge is 8.40% of the premium in the first year, it comes down gradually and becomes nil after 10 years for annual premiums. The debate about attending the Berkshire Hathaway AGM, which was held in Omaha, Nebraska, last month, refuses to die a quiet death.
It would seem that everywhere I turn, I bump into someone who has either participated in this annual pilgrimage or has very strong views on this issue. Kokkie Kooyman, probably the biggest Buffett-fan in South Africa, recently released a report after he visited Omaha earlier this year.
His report was compiled on behalf of Nedgroup Investment managers and contains the usual adoration for Warren Buffett and Charlie Munger, the two geriatric managers of Berkshire Hathaway. As I said in my previous article on this issue, these returns are astonishing and cannot be faulted in any respect. I made some comparisons of these returns with other investments that were available to local investors, including an investment in the Rembrandt Group of companies, PSG (although it is only 20 years old) and also Allan Gray through Orbis Investment Management.
Fund, a fund founded in 1990 and managed by, first, Allan Gray himself and now his son William, following the same investment philosophy. A comparison of returns on a $10 000 investment in the Berkshire Hathaway and the Orbis Global Equity Fund in January 1990 to the end April this year (see graph below), reveals a very close correlation in returns over this period, with Berkshire marginally ahead with an investment amount of $221 619 versus $182 057. But it is when the returns of the past 14 years are compared that the under-performance of Berkshire becomes very apparent (see graph below). In fact, when compared with the Orbis Global Equity Fund you would have to ask searing questions as to why anyone would recommend Berkshire Hathaway over an investment in the Orbis fund.
Yet his investment returns in the Orbis fund not only match that of the legendary Buffett since inception, but also beat him hands-down over the last 14 years.
It seems as if I’m not the only columnist questioning the universal adulation for Buffett. Tackling the first question, Merriman says Buffett’s investment results are usually seen as identical to the performance of Berkshire Hathaway, of which he is chairman, CEO and the largest shareholder. Investors can easily invest in these indexes in the form of low cost index funds compiled by Dimensional Fund Advisors. Merriman highlights the same issue that I have with the Buffett-devotees: they compare his investment returns with an index that makes him look very good, thereby justifying their gushing adoration for the man. I have now shown that other fund managers are equal, if not better, in their investment returns over many years. I am absolutely sure that an investment made into the Rembrandt Group in 1965, the year that Buffett launched his fund, would have matched or beaten that of Berkshire Hathaway over the past 49 years.


UPDATE: OSHA has been busy in August inspecting and enforcing the safety law which requires each company to meet safety requirements. Non-Compliance puts your business and employees at the risk of a fine, penalty, or accident. OSHA requires companies to have a safety program and to frequently meet with employees to discuss safety and document all meetings. Investing in an OSHA required safety program will save you thousands of dollars – even if it only prevents one accident. Keeping my guys safe is one of the few and easy ways I can increase my profit margins.  Not getting an OSHA fine and lowering my insurance is a bonus every business owner should take advantage of. 1) Safety Meeting Program: Specific to your trade and contains 100 pre-written safety meeting topics and signature sheets for required meeting documentation.
3) Safety Meeting App: One year of free access to 950+ topics on your phone, tablet, or computer. Investing in a safety program will save you thousands of dollars – even if it only prevents one accident.
Each trade-specific version contains 100 pre-written safety topics that are relevant to your needs and work activity. The resource guide you all include is worth the price alone!  We tried other options but they were generic and not a great fit for what we do.  No complaints from us. If you are looking at bank fixed deposit interest rates, here's a quick comparison done by GoodReturns.in. This scheme is named as ‘Cent Double’ where you can deposit your money to get double the amount of deposit you made in 90 months i.e 7 years and 6 months of time. This scheme offers high rate of interest which makes your deposit double in 7 years and 7 days. From our end, we will aim to show clean and unobtrusive ads to provide you with a great browsing experience. You will receive an adblock detection screen on private window, even if you are not running any adblock plugins.
It has a waiver of premium feature, which means the nominee will get the sum assured immediately upon death of the policyholder, and the insurer will waive off future premiums and invest them on behalf of the deceased. Younger policyholders can increase insurance cover; though term plans are better for insurance.
He has attended this AGM an astonishing 15 times and, together with this wife Nora, seems to have been the unofficial tour guide for the more than 50 South Africans who attended this year’s investment Woodstock.
Buffett (83) is the affable showman of the investment world, while Allan Gray (76) is secretive, mysterious and almost invisible to the public eye. Buying Berkshire Hathaway essentially means buying this pool of investments which are all ultimately chosen by Buffett. If his company, over 15 years, grows only two thirds as much as two low cost funds that take a similar investment approach, then why has Mr Buffett been elevated to that status?” asks Merriman. And over the past 20 years an investment into Jannie Mouton’s PSG Group (an annualised 50% return over this period, I am told) would have built significantly more wealth for his mainly South African backers.
The Safety Meeting App tracks attendance, prints reports, and documents near-misses, accidents, and much more.
Conducting safety meetings is an effective way to instill a strong safety culture, reduce accidents and near-misses, avoid frivolous lawsuits and OSHA fines. Regularly scheduled Safety Meetings allows the contractor to address important safety hazards and provide updates on recent incidents.
Investment is one aspect where people get multiple options but choosing the best out from all which suits your need is quite challenging.
The auto funds rebalancing option automatically rebalances the allocation to funds in the proportion you choose, every three months. In terms of costs, some other type II Ulips with waiver of premium feature are a tad cheaper. He rarely grants interviews and it is difficult to even find a photograph of the person reported to be South Africa’s richest man.
The Orbis Global Equity Fund has been available to local investors since inception and can be found on the Allan Gray Offshore Platform or via the Allan Gray Local Platform in the form of the Allan Gray Orbis Global Equity Feeder Fund (currently temporarily closed, as it has reached its international investment limit), or directly offshore on the Momentum Wealth International platform.


If you are operating without a safety program, you are exposing your business to potential fines and employee accidents. Invest in a safety program before you incur the cost and pain of jobsite accidents or OSHA fines.
It allows you to invest money for a fixed period of time and most of the time at a fixed rate of interest. As few of us like to make investment which can generate quick returns, few want to invest to generate regular returns and few wants to invest to get double the amount of money they invested after a set period of time.
The safety switch option allows funds to move systematically to a relatively low-risk liquid fund in the last four policy years. Developing a strong safety culture is important for maintaining an accident-free workplace. It was then that I saw the entire mountain above our mud house descending directly upon us.”Passangkit cried out to her husband and son in the next room telling them to run before the mudslide slammed into her house.
Houses were damaged by the quake or washed away by landslides it touched off.  Miles of roads became impassable.
In terms of insurance cover, you can choose a multiple ranging from 7 to 33 times the annual premium depending largely upon your age.
The state and central government estimated that the quake caused $15 billion in damage to property and infrastructure.The central government and the state government of Sikkim vowed swift relief and rebuilding. For policyholders below 45 years of age, minimum sum assured is fixed at 10 times the annual premium or at least half the policy term multiplied by the annual premium. In this policy, the maximum sum assured for a 30-year-old is up to 33 times the annual premium.
The lack of vision, coordination and will to help those suffering post-earthquake has pushed the people of Sikkim, particularly the poor, against the wall.”India loses an estimated $16 billion per year due to corruption. Do remember that death benefit can’t be less than 105% of all the premiums paid till date.
Tobgay, Sikkim’s relief commissioner and secretary of land revenue and disaster management.Of $10 billion earmarked by New Delhi, Sikkim has already gotten $4 billion. Yet a year later, only six new earthquake-resistant houses had been completed to replace damaged housing, according to records obtained by 100Reporters.No homes were built in the North district, which, with nearly 3,000 homes damaged, was the area worst hit by the earthquake. But the estimates differed substantially from one another and could not be independently verified.For instance, in October 2013, Tobgay said the state had completed the renovation or reconstruction of 1,000 homes affected by the earthquake. In his December 29 statement, Chamling said that the state had constructed 1,500 earthquake-resistant houses under the project, with the remaining 6,500 to be completed this year. In the official website, the department of rural management that is actually undertaking the reconstruction has stated that 3,000 houses are complete.“There is a lack of transparency regarding actually how many earthquake damaged houses were reconstructed,” said Dawa Lepcha, a former member of the Affected Citizens of Teesta (ACT), currently associated with the Sikkim Krantikari Morcha party.
Ambedkar Road in Sikkim’s capital, Gangtok, with a targeted completion date of 2010, was paid for with earthquake relief funds for rural rebuilding, though it is an urban street undamaged by the quake.Under the disaster management department headed by Chamling, the state also paid to restore a bridge near Paljor stadium in Gangtok for $75,811.
Instead, there is only an approach road, part of which had caved in 2005, and repairs to it were carried out before the earthquake.
Ltd.Architech received the no-bid tender despite an earlier reprimand by the Secretary to the Governor of Sikkim, for inordinate delays and cost overruns in building the Governor’s residence, budgeted for $120 million. A young Buddhist monk stands near the rubble at Enchey Monastery in Gangtok, India, after the earthquake.Despite the company’s poor record, the Sikkim government did not demand guarantees for Architech’s work. According to Nar Bahadur Bhandari, former Sikkim chief minister and leader of the opposition Sikkim Sangram Parishad, “the delayed and inadequate relief and rehabilitation after the 2011 earthquake and massive graft charges against the government at all levels” have stoked the worst anti-incumbency backlash against Chamling’s Sikkim Democratic Front party since he took office in 1994.Meanwhile, in remote villages like Bay, residents wait for change.
Passangkit now lives in a temporary mud shelter, adjacent to where her home once stood, uncertain of her safety.Sitting in the shelter, she said, “If another earthquake comes, it’s better to die in my mud house. I have nowhere to go.” Bio Latest Posts Soumik DuttaSoumik Dutta, a member of 100 Reporters, is a correspondent based in the Indian Himalayas.




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