Summer Haircuts In Mutual Funds (Debt)

• https://www.livemint.com/money/personal-finance/amfi-suggests-lesser-provisioning-for-secured-loan-against-share-papers-1557112371383.html
• https://www.personalfn.com/fns/new-valuation-norms-for-debt-mutual-funds-and-impact-on-investments
• http://www.cogencis.com/newssection/amfi-recommends-graded-haircuts-for-below-investment-grade-debt/ : Haircut matrix
• https://www.rupeeiq.com/content/amfi-guidelines-this-is-how-fund-houses-will-cut-value-of-sub-investment-grade-debt/ Haircut matrix
• https://www.rupeeiq.com/content/uti-mutual-fund-cuts-value-of-investment-in-jorabat-shillong-expressway-by-another-25/ - Nice: Specific haircut details of MF
• https://www.rupeeiq.com/content/hdfc-mf-takes-12-more-markdown-in-ilfs-entity-exposure-reaching-37/ Specific details
• https://www.rupeeiq.com/content/april-30-saw-sharp-drop-in-nav-for-some-debt-hybrid-mutual-funds/ Apr 29th to Apr 30, 2019 drops in MFs.
• Livemint: Mutual funds hit hard by DHFL interest delay. https://www.livemint.com/mutual-fund/mf-news/mutual-funds-hit-hard-by-dhfl-interest-delay-1559712308072.html Jun 4th. 29% drop in NAV in a day
• https://www.business-standard.com/article/markets/dhfl-assigned-default-rating-mfs-with-high-exposure-see-30-50-drop-in-nav-119060600055_1.html Jun 4th
• Economic Times: Debt mutual funds take a tumble as DHFL slips on payment. https://economictimes.indiatimes.com/mf/mf-news/debt-funds-take-a-tumble-as-dhfl-slips-on-payment/articleshow/69670067.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral Jun 4th
• Times of India: Debt MFs’ NAVs halve as DHFL defaults on payment. https://timesofindia.indiatimes.com/business/india-business/debt-mutual-funds-navs-halve-as-dhfl-defaults-on-bonds-payment/articleshow/69668367.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral jun 4th
• https://timesofindia.indiatimes.com/business/india-business/how-default-leads-to-crash-in-navs/articleshow/69668821.cms
• Sidepocketing principle in Tata Corporate Bond Fund: https://m.economictimes.com/mf/mf-news/tata-corporate-bond-tata-medium-term-and-tata-treasury-advantage-fund-investors-get-load-free-exit-period/articleshow/69677206.cms and Livemint: Tata Mutual Fund launches India’s first mutual fund side pocket. https://www.livemint.com/mutual-fund/mf-news/tata-mutual-fund-launches-india-s-first-mutual-fund-side-pocket-1559877471498.html
• UTI: https://m.economictimes.com/markets/stocks/news/uti-mutual-fund-fully-writes-off-dhfl-exposure/articleshow/69690993.cms
• https://www.business-standard.com/article/pf/exit-or-hold-what-you-should-do-if-your-mutual-fund-is-exposed-to-dhfl-119060700614_1.html
• Economic Times: These two fund houses alone had 56% exposure to industry's DHFL debt. https://economictimes.indiatimes.com/markets/stocks/news/these-two-fund-houses-alone-have-56-exposure-to-dhfl-debt/articleshow/69700830.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral

Various terms explained: https://www.rbi.org.in/CommonPerson/english/Scripts/FAQs.aspx?Id=711#22

India Judicial

https://www.business-standard.com/article/opinion/legal-reforms-like-ad-hoc-judges-better-technology-to-speed-up-fdi-119060200641_1.html

Cancer

Insurance

• https://www.apollomunichinsurance.com/ican-cancer-insurance/plan-details.html
• https://www.iciciprulife.com/health-insurance-plans/icici-pru-heart-cancer-health-insurance-calculator.html
• https://m.economictimes.com/wealth/insure/how-to-choose-a-cancer-insurance-plan/articleshow/53667141.cms
• https://www.coverfox.com/health-insurance/cancer-insurance/
• https://myinvestmentideas.com/2017/10/star-health-cancer-care-gold-health-insurance-plan-review/ doesn't sound interesting
• http://cancerinsurance.policybazaar.com/ci/quotes/MTQwMjkzNDkw?utm_content=home_v3&gclid=CjwKCAjw27jnBRBuEiwAdjQXDJ9Ur5fxfbMVvVSvLelapkWICIzQybiPdj0SSafRyjhczNmql3blqRoCoOMQAvD_BwE&ci=true good

HDFC cancer 10 lacs

20% payout on early stage detection. Balance at major stage. 5800 yearly premium for 10 years. This is for AG option. Upto 85 age, premium is 10k per year. Policy amount can be increased later. But premium will not increase pro rata. For example, 10lac is doubled next year, 10k premium may become 22k to 23k.
Can be paid online. 
Note: if cancer is detected 2 years later and if it's found that it was pre-existing at the time policy was taken them claim may be denied.


ICICI PRU
10l cancer + 2l heart (min) for 22 years: 25% for minor each, 75% for major each of cancer and heart payout. 12.8k premium per year  Hospitalization for 30 days total for 22 years subject to 10 days max per year is rs 270 per month additional premium. 10% increase in coverage upto max double is another 15k premium per year. These two are optional. Min is 12.8k. medical test (blood and urine will be arranged either at home or branch) by company at their cost after purchase of policy. Depending on report, premium may be increased. Option to cancel policy exists then. Money will be refunded within 30 days.

Premium for heart is 10k for 5L cover. How is this better than mediclaim?

• https://economictimes.indiatimes.com/tdmc/your-money/how-to-make-a-claim-on-multiple-health-policies/tomorrowmakersshow/47415514.cms

Questions:

• Which type of cancer is not covered? What are the exclusions?
• If afflicted first by one type of cancer, then by another what happens?
• Till when is the coverage? Will premium remain the same until then?
• What documents are required for payout by insurer?
• Can coverage be increased later? How does it work?

Buying A Home

https://www.99acres.com/articles/home-buying-guide.html

Elections In India - MP, MLA

https://en.wikipedia.org/wiki/Elections_in_India

Nice Places

• https://en.wikipedia.org/wiki/Malenadu -Western Ghats of Karnataka. Very high rainfall. Includes Amagaon, Hulikal (see also here, here, here, here). 

• http://www.ajjanamane.com/
• https://en.wikipedia.org/wiki/Jayapura,_Chickmagalur
• https://en.wikipedia.org/wiki/Koppa,_India

Rainfall statistics 2019 till sep 30
https://m.facebook.com/story.php?story_fbid=10219663806570309&id=1371263854&_rdr

Global Temperature Map

https://www.meteoblue.com/en/weather/webmap/index/wollaston-island_australia_2058041

Diabetes

Food: From https://www.healthline.com/nutrition/low-glycemic-diet

There are plenty of healthy and nutritious foods to choose from. You should base your diet on the following low-GI foods:

• Bread: Whole grain, multigrain, rye and sourdough varieties
• Breakfast cereals: Porridge made with rolled oats, bircher muesli and All-Bran
• Fruit: Such as apples, strawberries, apricots, peaches, plums, pears and kiwi
• Vegetables: Such as carrots, broccoli, cauliflower, celery, tomatoes and zucchini
• Starchy vegetables: Carisma and Nicola potato varieties, sweet potatoes with an orange flesh, corn, yams
• Legumes: Examples include lentils, chickpeas, baked beans, butter beans, kidney beans
• Pasta and noodles: Pasta, soba noodles, vermicelli noodles, rice noodles
• Rice: Basmati, Doongara, long-grain and brown rice
• Grains: Quinoa, barley, pearl couscous, buckwheat, freekeh, semolina
• Dairy: Milk, cheese, yogurt, custard, soy milk, almond milk

The following foods contain few or no carbohydrates and therefore do not have a GI value. These foods can be included as part of a low-GI diet:

• Meat: Including beef, chicken, pork, lamb and eggs
• Fish and seafood: Examples include salmon, trout, tuna, sardines and prawns
• Nuts: Such as almonds, cashews, pistachios, walnuts and macadamia nuts
• Fats and oils: Including olive oil, rice bran oil, butter and margarine
• Herbs and spices: Such as salt, pepper, garlic, basil and dill

From the link https://www.healthline.com/nutrition/bananas-diabetes"The glycemic index ranks foods based on how much and how quickly they raise blood sugar levels.

The scores run from 0 to 100 with the following classifications:

Low GI: 55 or less.

Medium GI: 56–69.

High GI: 70–100.

Diets based on low-GI foods are thought to be particularly good for people with type 2 diabetes"

As per this article: https//www.livestrong.com/article/290772-what-is-the-glycemic-index-of-basmati-rice/: basmati rice has a GI of 59 while normal white rice has a Glycemic Index of about 75+. Read this also:https://www.diabetescantstopme.com/making-rice-nice-diabetes/

From https://wellthy.care/magazine/can-diabetics-eat-rice/
"Wholegrain basmati rice such as those sold by brands such as Daawat, Kohinoor, and India Gate have a GI score of less than 55, making them a healthier option."

Beans / Rajma for Diabetes and cholesterol. https://www.timesnownews.com/health/article/do-black-beans-help-lower-blood-sugar-levels-in-diabetics-how-to-add-beans-to-your-diabetes-diet-plan/405227

https://www.healthline.com/health/diabetes/low-glycemic-fruits-for-diabetes: apples and grapes are the best.

Bananas are ok: https://www.ndtv.com/food/manage-type-2-diabetes-naturally-foods-to-control-your-blood-sugar-levels-1868474

Raisins are fine: http://www.sunmaid.com/fitness/dr-suzanne-nelson/trying-to-lower-blood-sugar-levels-raisins-may-help/

Ghee in moderation is fine: NDTV Food: Is Eating Ghee Healthy For Diabetics? Here's What The Expert Has To Say. https://google.com/newsstand/s/CBIwxuyo9Do

Google Sheets Performance

• https://developers.google.com/web/tools/chrome-devtools/evaluate-performance/
• https://www.benlcollins.com/spreadsheets/slow-google-sheets/
• Filter function

1. https://www.benlcollins.com/spreadsheets/google-sheets-filter-function/
2. https://webapps.stackexchange.com/questions/109889/horizontally-filter-filter-columns 
3. https://www.benlcollins.com/formula-examples/advanced-filter/ OR Condition 

Nice Apps For Android

Must need apps

Settings related

• Internet speed meter lite
• Accubattery
• Ping it
• Clean cache
• Settings
• 360 security

Hobby

• Bookhub
• Sudoku
• Jyotish
• Mycams
• Earth online cam
• ColorNote
• https://www.meteoblue.com/en/weather/webmap/index/wollaston-island_australia_2058041 and https://www.meteoblue.com/en/weather/map/precipitation/india

News

• Wp
• Wsj
• Nyt
• Google News

Purchase

• Ola
• Indane
• Tata sky
• Swiggy
• Paytm
• Quikr
• Housejoy

Communication

• Airtel
• Act
• Jio

Media

• Volumebooster
• Easy voice recorder

Comm

• Jio4gvoice
• Skypelite

Google

• Drive
• Sheets

Travel

• Irctc
• Ixigo
• Air traffic

Review of Amazon product

• https://reviewmeta.com/amazon-in/B0794WBGXP
• Fakespot app

Best Android Phones

Comparison: https://www.gadgetsnow.com/compare-mobile-phones/Asus-Zenfone-Max-Pro-M1-vs-Moto-E5-Plus

Asus zenfone pro M1 vs M2

• https://www.flipkart.com/moto-e5-plus-black-32-gb/p/itmf72ug9znghsz3/specifications?pid=MOBF7FMRRGXFB8EU&lid=LSTMOBF7FMRRGXFB8EUINZUMP&marketplace=FLIPKART&tab=desc

• https://www.androidauthority.com/motorola-android-pie-update-895384/ Will not get Android Pie upgrade
• https://www.notebookcheck.net/Motorola-Moto-E5-Plus-Smartphone-Review.358096.0.html 
• https://gadgets.ndtv.com/mobiles/reviews/asus-zenfone-max-pro-m1-6gb-review-1894680 

• https://www.flipkart.com/asus-zenfone-max-pro-m2-blue-32-gb/p/itmfb22gjfzty4am/specifications?lid=LSTMOBFB22GBSBNYM9YM5ZCNR&pid=MOBFB22GBSBNYM9Y&tab=desc

• https://www.xda-developers.com/asus-zenfone-max-pro-m1-m2-android-pie-update-india/
• https://www.mouthshut.com/category/ASUS-Mobile-Phones_reviews-925107139.html 
• https://www.androidcentral.com/asus-zenfone-max-pro-m1-review 
• https://www.smartprix.com/bytes/zenfone-max-pro-m1-3gb-ram-variant-review/ 

Additional Reading
https://www.howtogeek.com/244748/how-to-see-which-apps-are-draining-your-battery-on-an-android-phone-or-tablet/ : Accubattery app

Delusions And Hallucinations - Parkinson's

https://parkinsonsdisease.net/clinical/hallucinations-delusions/: Quotes:

"Visual hallucinations are the most common experienced by people with PD. You might believe there is an animal or person in the room who is not there. Common examples include a cat that is not your pet scampering across the living room floor, or a neighbor sitting at your dining room table when no one is in fact there."

"Delusions are false, fixed beliefs...There are different forms of delusions, like with hallucinations, but the most common in PD are persecutory and jealousy...It can be disturbing for the whole family because delusions are not deliberate. There is no way to control them or, once experienced, to reason through or argue over them."

https://www.parkinsons.org.uk/information-and-support/hallucinations-and-delusions-side-effect: Quotes:

"Delusions can include:

• Paranoia. You may believe you’re the victim of a conspiracy, or that someone is trying to hurt or harm you.
• Jealousy. You may have jealous feelings. For example, you may think that someone you love is betraying you.
• Extravagance. You may think you have special powers that you do not. This could make you act in an unusual or dangerous way... But when delusions make people suspicious and mistrusting, they can cause problems in relationships. With a serious delusion, there is a chance you could accuse your partner or a family member of something they haven’t done... Some people have paranoid delusions where they think someone is planning to cause them harm. For example, you may believe that your carer is trying to give you too much medication. This could have a big effect on how your drug regime is followed and leave you not wanting to take medication."

https://www.business-standard.com/article/health/appendix-removal-triples-parkinson-s-risk-but-do-you-really-need-to-worry-119051500320_1.html

https://www.thehindu.com/sci-tech/health/scientists-find-earliest-signs-of-parkinsons-in-brain/article28089188.ece: "Serotonin function was an excellent marker for how advanced Parkinson's disease has become..Suspected causes of the disease before the study included levels of the neurotransmitter dopamine, and there is growing evidence of a possible link between Parkinson's and gut function, though this is poorly understood"

Additional reading

• https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3340922/
• https://healthywa.wa.gov.au/Articles/N_R/Parkinsons

Swiggy

Award received

Your performance for the Dine-ancial Year 2018 - 2019 was evaluated and considered for this year’s appraisal. You have been assessed based on your overall performance in 5 key responsibility areas:

119 orders placed Outstanding Performance

Snacks

43% cuisines tasted Met Expectations

46 restaurants explored Exceeds Expectations

50% of orders were discounted Rs. 4094 was the total savings on your orders Met Expectations

After taking your performance into account, we would like to formally promote you to VP - Gastronomy. Congratulations on your new role! 🤝 Your new responsibilities as VP - Gastronomy will include feasting to you heart's content and encouraging peers to join in on all the deliciousness. Once again, congratulations! We look forward to seeing you excel in the future. Best,

Size Calculator And SI

Bra:

http://www.lasenza.com/size-chart-bras: Good one.

http://www.lybethras.com/customHTML/sizechart.html

http://www.brasize.com/average-bra-size.html: World Statistics

https://www.bhs.co.uk/cms/pages/static/static-0000036631/static-0000036631.html

http://www.theguardian.com/lifeandstyle/2010/may/16/womens-breasts-are-getting-bigger

https://en.wikipedia.org/wiki/Bra_size

http://herbrasize.com/34d-breast-size/

http://fullerfigurefullerbust.com/2012/12/11/celebrity-bra-sizes/

SI Swimsuit

• http://www.si.com/swimsuit/2015/?noroute=true

Real vs silicone

http://www.bodymeasurements.org/real-vs-fake-breasts/

https://shobanarayan.com/2017/12/23/a-bra-that-fits/

2 Door Fridges

Refrigerators

1. https://www.bestunderr.com/refrigerators/best-double-door-refrigerators-in-india
2. https://www.kitchenarena.in/best-double-door-refrigerator/
3. https://www.nidm.net/kitchen/large-appliances/best-double-door-refrigerators/
4. https://reviewfantasy.com/top-10-double-door-refrigerators-in-india.html

• Samsung 253Liter 2 Star / 4 Star
• Whirlpool 265Liter 3 Star

Blog Analytics

http://tinyurl.com/blog-analytics: to go into blogger analytics.

1365108924.1509507560 dow in Edmonton

1664424955.1540117316 (3:57, 11:07pm) or 

763033703.1540135672 (8:58pm, 3, 1:18) dow one sg, one glasgow

1309754490.1582643388

841284055.1581671039 aaru
926655368.1582270032

874330647.1516368317 Friend comment on Mar 16 2018 3:09PM, 10:09PM) probably MJ

1375889853.1548940613 someone from chennai desktop repeat user. Mj called around same time
413418722.1528213616 mj?

221724675.1579728862 someone direct from Chennai at 3AM. Mj or radp or sm. Jan 23 2020

373414399.1578576544 sj or radp

1375889853.1548940613  Radp (most likely radp)
1444452043.1555773750 from Chennai

1707346690.1564601306 from Chennai repeat user radp

251646152.1515482809 me
101471364.1569994681 me

1769087726.1541502148 sm
22846910.1582640920 sm
863976888.1578759711 sm

1823348554.1545806322 kanna
2008974657.1547788949 kanna desk

1883113362.1534961912 knp?

1937872632.1544734702 kanpur
1915860564.1553495378 or 927303576.1553517730 Lucknow (likely 191) 27th mar 2019, 31st mar
760440433.1552330673 Lucknow repeat visitor

1252928839.1568317884 (Lucknow but new id, probably same, came direct). Another day in sep 2019 came from original Id from Vienna, Austria
1433849048.1577141034 (Lucknow)
823813851.1579811174 knp

561527696.1555851873 Staines

132613300.1571194101 (300214473.1571311146? Direct) yasmin

632793286.1567066549 (Someone known just looked at August posts, came DIRECT) Upon Thames

515949543.1568876144 (Direct on sep 19 2019, Chandigarh, agam?)

649972383.1517134094 likely eli but old one.

875334859.1501571526 eli desktop

1769097607.1503682439 eli
372695671.1565496345 chennai (likely eli)

212391889.1503682521 eli's friend

783810578.1498990609 eli or friend

466202303.1577626702 chennai

251771603.1550249351 from toronto old movie songs 24 mins feb 15 2019

594317966.1547117365 nad
739650701.1552167329 mar 10 2019, 3AM. Direct. Freewill urdu 

857267880.1548261197 someone from pune.

Last one year heavy users (# of sessions)

1752022465.1512589922      72

1769087726.1541502148       50

1883113362.1534961912         43

1937872632.1544734702        32

2056082999.1524497746       66

251646152.1515482809          43

413418722.1528213616      146

446212768.1507888602          43

874330647.1516368317      238 (Chennai)

880935683.1516891080         57

Last 2 years

1021455113.1481434582         84

1550059590.1495265169         45

1752022465.1512589922        99

1769087726.1541502148         50

1883113362.1534961912          43

1937872632.1544734702         32

2056082999.1524497746          66

251646152.1515482809          43 Chennai

413418722.1528213616          146

446212768.1507888602            57

456990416.1489303490            71

52315250.1498918267            279

719187607.1507190414            45

756054099.1461738106         348

874330647.1516368317          238

875334859.1501571526            38

https://search.google.com/search-console/index 

https://clicky.com/stats/?site_id=101162465 calp p12

Location

https://analytics.google.com/analytics/web/#/report/visitors-geo/a18434627w37085506p36575394/_u.date00=20181005&_u.date01=20181005&_.advseg=&_.useg=&_.sectionId=&geo-segmentExplorer.segmentId=analytics.city&geo-table.plotKeys=%5B%5D&_r.tabId=explorer&explorer-segmentExplorer.segmentId=analytics.city&explorer-table.plotKeys=%5B%5D&explorer-table.rowStart=0&explorer-table.rowCount=25&explorer-graphOptions.compareConcept=analytics.avgPageviews&explorer-graphOptions.selected=analytics.nthDay&explorer-graphMode.mode=lineChart/

Client id

https://analytics.google.com/analytics/web/#/report/visitors-user-activity/a18434627w37085506p36575394/_u.date00=20181005&_u.date01=20181005&_.advseg=&_.useg=&_.sectionId=&_r.userId=1883113362.1534961912&_r.userListReportStates=%3F_u.date00=20181005%2526_u.date01=20181005%2526_.advseg=%2526_.useg=%2526_.sectionId=%2526explorer-table.plotKeys=%5B%5D%2526explorer-table.rowStart=0%2526explorer-table.rowCount=100&_r.userListReportId=visitors-legacy-user-id/

Google Webmaster tool, crawl issues, search queries
https://www.google.com/webmasters/tools/site-message-view?hl=en&authuser=0&siteUrl=https://vbala99.blogspot.com/&message-filter=all&grid.r=0&msgid=AB9YKzIPMvWOiQqZK_ULnZ5GnTpY14wDu_gFJJddN_feK2su1-pjZDTRX7Y9zO_jG3KO1BC9cz516SK9wfaqX6GyA6tHryPJhQ

Search console
https://www.google.com/webmasters/tools/googlebot-fetch?hl=en&authuser=0&siteUrl=https://vbala99.blogspot.com

Google tools
https://www.google.com/webmasters/tools/other-links-site?hl=en&authuser=0&siteUrl=https://vbala99.blogspot.com/

Attendant Takeover

• General work

• House coat locations

• TV operation. Switch monitor off when not in use

• Which door to lock - front, back entrance

• Mobile number, ambulance number

• Her use of uncommon words

• Return date

• Money, ATM

• Medicine

• Medicine - daily, weekly.

• Extra Medicine storage

• Doctor prescription location

• Kitchen

• Count of davara tumbler, milk vessel
• Rice vessel, cooker combination
• Juice details
• Coconut, peas, milk, curd storage
• Remind me of bread banana carrot cucumber etc

Scheme Rotation

Start with larger scheme, transfer all if there is no STP, or transfer X leaving just enough for one STP. From the transferred scheme transfer the same X to next scheme (if there are more than than 2 schemes in the rotation plan and then continue to the next largest scheme) or to source scheme if there are only 2 scheme in the rotation plan.

After rotation, finally the amounts will be the same across schemes. Change purchase date, purchase NAV to the new values.

All rotations start on Monday

Mar 11th 1st rotation

Mar 18th 2nd rotation within the company.

MAR 25th 3rd rotation only for TI

REIT

• https://www.moneycontrol.com/news/business/real-estate/real-estate-investment-trusts-in-india-what-is-happening-now-3333291.html
• https://www.livemint.com/Money/8irWG6wuUhSMhMHjyMVhAO/Embassy-REIT-Pros-cons-for-retail-investor.html
• https://www.thehindubusinessline.com/opinion/columns/slate/reits-in-india-background-and-statistics/article23357356.ece
• https://m.economictimes.com/wealth/invest/indias-first-reit-launching-soon-here-is-what-an-investor-needs-to-know/articleshow/66987340.cms