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Month of March has been overwhelming and challenging in all ways possible for all of us, especially with our investments. Nifty Index tanking by around 23% in march alone and most of our portfolios would have eroded by %.

The question that majority of us have is, can the market correct even further down from current levels?

Let me be honest. I have no clue and most probably no one has too. More than anything, it’s the speed at which correction has taken place that has shocked lot of us. It’s become common now to look at nifty down 2% and not call it a bad day. There was a massive fall of around points in the Sensex a day before the lock-down and the markets recovered the same and more in the next 4 days. This crazy volatility has really spooked a lot of investors.

The important fact is, volatility is an embedded part of equity investments and will be so for a long time to come. We have seen something of this sort even in the past, in years , , where the equity returns have come down by almost 50% i.e. INR 1 Lac invested had become INR 50,

Looking at the immediate past returns of asset classes and making deployment decisions is probably one of the major things we need to avoid. Irony being, the worse time to invest is when the returns have been good in the recent past and the best time to start investing is when the returns have been sub-optimal or negative.

The ongoing 21 day lock-down is going to impact economic activities and growth strategies. Plant shutdowns, inadequate to Nil capacity utilisations, logistical issues etc. have led many analysts and agencies to predict a global recession, bringing down India’s GDP growth rate estimate to ~2%.

Market PE levels have come down to 17 from highs of If you look at the bottoms made in the year , the market PE was at Weak GDP Growth will have an impact on earnings growth. We cannot completely rely on PE for the market when there is too much uncertainty about ‘E’.

Let’s look at some facts and data which are contradicting our &#;expectations&#; of a doomsday scenario.

• If we look at rolling returns. Nifty 1 Year returns had a probability of loss at 30% and Nifty 3 Year returns had a probability of loss of around 11%, 5 Year plus period of time nifty has never delivered a negative return. ( Source: goalma.org)

• Another interesting data point to consider is the dividend yield gap. Yield gap is basically the difference between the yield of long term government bonds and the dividend yield at any given time. Bigger the gap, higher the chance to benefit from investing in the equity markets.

Currently the dividend yields are near all-time lows of % which has further reduced the probability of loss for 1 Year and 3 Year nifty returns from 30% & 11% to %. (Source: goalma.org)

Probability of loss and the quantum of loss from a years horizon is Nil or extremely negligible.

Never a good idea to try and time the markets, so the saying goes. At these levels, it definitely is a no-brainier that we can start allocating to equities in a staggered manner. if we look at the market corrections over the last 2 decades, markets have fallen several times. The average correction between Jan to Mar was around 39% and subsequent 1 year and 3 year average returns to any particular correction has been around 52% and 87%.(Source: goalma.org)

Considering the impending pain ahead and all other factors as mentioned above, it definitely makes sense for us to cautiously tread and  start nibbling into equities .For investors who are already fully invested, waiting and adding more at lower levels is the best way ahead.

Our two cents

• Let the SIPs continue. Add more slowly in tranches at lower levels
• Do not make a psychological decision and book losses. There is always pain in growth.

Things will return to normalcy, markets will return to mean levels and make new highs. They always do.

Название «Ошибки прошлого», присвоенное сериалу отечественными локализаторами, противоречит смыслу, заложенному в оригинале: «Исправление» в контексте рассказанной истории может и должно восприниматься как «Слом».

Сюжет: Дэниэл Холден (Аден Янг) освобожден после 19 лет тюрьмы за убийство своей девушки. Освобожден не значит оправдан. В юном возрасте Дэниэла вырвали из жизни — сейчас ему под 40, но он обладает взглядами и сознанием летнего, травмированного и сломанного годами, прожитыми в одиночной камере смертников в ежедневном ожидании казни. Сломаны и его близкие — те, кто ждал, верил, не верил, боролся, смирился. Он возвращается в мир, где должен снова осознать себя как личность, и мир тоже сломан для него — он чумной, проклятый, ненавидимый и игнорируемый. Куда бы ни пошел — липкие взгляды, шепот в спину. Уехать — значит теперь снова, уже самому бросить семью и проиграть на всю жизнь, окончательно.

К великому счастью терпеливого зрителя, авторы сериала (прежде всего, создатель Рэй Маккиннон, блестящий второплановый актер, известный по целой россыпи ярких ролей от «Дэдвуда» до «Ломки») не идут по короткому и эффектному пути детектива — Дэниэл должен выйти и разобраться, кто же он на самом деле, и добро восторжествует, и жили они долго и счастливо, и слава тебе господи.

Вместо этого авторы сосредотачиваются на ежедневном существовании людей в заданных обстоятельствах, посвящая эпизоды не напряженным поискам убийц из прошлого, а замене кухонной газовой плиты, и достигают парадоксального эффекта, выходя на этом бытовом сюжете в высокую экзистенциальную драму. Зрителю, чтобы принять участие в этом разговоре, нужна настройка, сброс до заводских, обнуление ожиданий. Не ждите резких поворотов сюжета, зубодробительных твистов и клиффхэнгеров — сюжет неспешен, как воды реки, ставшей местом той давней трагедии. Сбросьте насмотренность, станьте сами Дэниэлом Холденом, Кандидом, просто будьте в этом мире с этими людьми.

Estos meses de verano descuidamos en general nuestra salud dental. Nuestras rutinas se alteran y consumimos más alimentos o bebidas que tienen un mayor contenido de azúcar y ácidos. Es normal que en estos meses aparezcan de nuevo problemas como sensibilidad dental por comer alimentos fríos, caries por ingerir comida ricas en azúcares o, incluso, traumatismos dentales debido a una actividad física más intensa. Os dejamos los consejos para evitar que esta no sea tu situación y proteger tu salud bucodental.

Consejos para cuidar tu boca en verano

• No descuides tu higiene bucal: el verano suele alterar nuestras rutinas. Comemos más veces fuera de casa y, como consecuencia, nuestra higiene bucal se ve afectada. Cepillarse los dientes, al menos dos veces al día, y acompañarlo del hilo dental es la mejor forma de evitar este tipo de problemas. Si no fuera posible, ocasionalmente podremos optar por chicles sin azúcar y con xylitol que estimulan la salivación y ayudan a expulsar restos de comida
• Mantén una dieta equilibrada: el verano es la época de las tentaciones. Helados y alimentos ricos en azúcares se muestran en cada esquina para hacernos descuidar nuestra alimentación. El consumo continuo de este tipo de alimentos puede ser muy perjudicial para nuestra salud bucodental. Por ello, cuidar nuestra alimentación beneficiará, no solo a tu salud en general, sino también al estado de tu boca y dientes.

• Hidrátate: La saliva actúa en nuestra boca como un potente desinfectante, ayuda a prevenir caries y frena el desarrollo de infecciones. Mantenernos hidratados es la mejor forma de estimular la generación de saliva que nos ayuda a preservar nuestra salud bucodental.
• Aléjate de los hábitos perjudiciales: ya hemos hablado de cómo la mala alimentación o la falta de higiene pueden afectar a tu boca, pero existen otros hábitos perjudiciales para nuestra salud bucodental que muchas veces no tenemos en cuenta. Evitar, por ejemplo, masticar hielo o alimentos muy fríos puede ser una forma sencilla de mejorar tu sensibilidad dental. De la misma forma, utilizar protectores dentales mientras practicas deporte impedirá el debilitamiento o la fractura de piezas dentales. Aplicarse protector solar es otro de los hábitos que debemos fomentar: los cacaos o cremas pueden ayudarnos a prevenir el cáncer oral.

No lo olvides: Visita a tu dentista

Recuerda que el dolor o una molestia en la cavidad bucal es motivo suficiente para acudir al dentista. No tienes que esperar a que pase el verano para preocuparte por tu salud dental.

La prevención es parte fundamentar del proceso para evitar problemas, por ello también se recomienda realizar una revisión en verano para comprobar que nuestra salud bucodental sigue en su mejor estado.

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According to data based on the VPNAdoptionIndex by Atlas VPN, Virtual Private Network (VPN) downloads reached million in worldwide.

A Virtual Private Network hides the user&#;s real IP address and encrypts his browsing traffic. In turn, these changes prevent nosy 3-rd parties such as hackers, ISP (Internet Service Provider), or even the government from tracking the user’s online activities.

Interestingly, the top 4 VPN adopters are Arab countries, which, to be exact, are: The United Arab Emirates, Qatar, Oman, and Saudi Arabia. Here, on average, VPNs penetrate % of the market. In other words, 4 out of 10 citizens in these countries downloaded a Virtual Private Network application in

The top ten countries globally with the highest VPN adoption rate are:

Data reveals the fact that the VPNadoption rate correlates with how strict the internet censorship and other online restrictions are in that country. Most of these countries ban any content that is against Islam values or criticizes the government.

Recommended AI News: Kaleidoscope and Orthopreneur Merge Orthodontic Marketing Technology Companies

COVID impact on VPN usage

Strict internet restrictions are not the only driving force behind the high VPNadoption rate last year.

From February , people started staying at home due to the closure of offices, public venues and the cancellation of public gatherings caused by the pandemic. People began using the internet more often, with many of them choosing to watch TV shows and movies.

But certain streaming services, such as Netflix, BBC, and Amazon Prime, apply geo-restrictions for viewing the content. However, a VPN provides a way to bypass those blockages.

Moreover, in many companies, the majority of employees started working from home. In turn, to protect the company’s data from hackers, employers required their workers to use VPNs.

Recommended AI News: Versium Launches New Consumer Marketing Data Technologies to REACH Platform

Rachel Welch, COO of Atlas VPN, shares her insights on how the VPN market shifted in

“The year will be remembered as a year when VPNs became mainstream since millions of people shifted to remote work amidst the coronavirus pandemic. Among other things, to access a company&#;s network, most people have to use VPN to protect their as well as their employers’ data.”

Recommended AI News: Mandy Vaughn to Lead Education and Workforce Development Center for NSSA

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