#What are the types of SWP

[truedatafinancialpvtltd]

Systematic Withdrawal Plan (SWP) in Mutual Funds| How does it Works?

Invest in SWP in Mutual Fund: A Systematic Withdrawal Plan is a financial strategy that allows investors to withdraw a fixed amount of money from their mutual fund investments at regular intervals, such as monthly, quarterly, or annually.

A Systematic Withdrawal Plan (SWP) in Mutual Fund is a method by which investors can withdraw a fixed or variable amount of money from their mutual fund investments at regular intervals. Unlike a Systematic Investment Plan (SIP), where an investor puts in a fixed amount of money periodically to build a corpus, SWP allows for the opposite, i.e., systematic withdrawal of funds from the corpus. This can be particularly beneficial for retirees or those needing regular income. SWP ensures a steady cash flow by redeeming units from the mutual fund investment. The withdrawn amount can be customised based on the investor’s financial needs and it can be set to occur monthly, quarterly, semi-annually, or annually. The main advantage of SWP is that it allows investors to enjoy the benefits of their accumulated investments while potentially still earning returns on the remaining corpus.

Let us consider the following example to understand how the SWP works.

Consider Mr. A who invests Rs. 10,000 per month through SIP in an equity mutual fund for 5 years (60 months). After 5 years, the investor starts a SWP of Rs. 5,000 per month.

Assumptions

Monthly SIP — Rs. 10,000

SIP Duration — 5 years (60 months)

Annual Return — 12%

Monthly Return — 1% (12% annual return /12 months)

[read-marx-and-lenin]

Who r u voting for?

I've been pretty consistent in saying it doesn't matter who anyone votes for as an individual, the ballot box is not a place of revolutionary activity and we should focus our efforts elsewhere. That said, my state does mail-in ballots, so I still fill them out and send them in since it doesn't take much time or effort for me.

There will likely be four left-wing candidates on the ballot in my state: Jill Stein with the Greens, Cornel West as an independent, Claudia de la Cruz for the PSL, and Rachele Fruit for the SWP.

The SWP are Zionist Trotskyists, so I won't give them the time of day.

I voted PSL in 2016, but since then there's been a lot of shit going on with them and despite the fact that there's a lot of good people working with them and a lot of good local branches, I can't support them on a national level until they get their shit together. Their treatment of women, transgender people, and people of color needs to improve. There was a great article written in 2021 by a Maoist group on the issues within the PSL that I'll link here, and while I don't agree with their conclusion that the PSL is "fundamentally reactionary" and that collaboration with PSL groups is useless, their criticisms are still worth reading.

I voted for Howie Hawkins in 2020, but I've never been a fan of Jill Stein due to her pandering to anti-vaxxers and alt-med types. She's a doctor, she should know better. She's helped push a lot of anti-science misinformation on the left, and while her platform is far better than any of those from the Dems or Republicans, I still can't forgive that. Science-based medicine is one of my sticking points.

So that leaves Cornel West. He's not a communist, and I'm not a fan of his religiosity, but his platform is still solid and I like him the best out of these four candidates. Again, I'm not doing this because I think he can win. The only way he could possibly win is if Harris, Trump, RFK Jr., Jill Stein, and whoever the Libertarian guy is this year all die a week before the election, and even then, it'd probably be a toss-up between him and de la Cruz. My vote for West is purely to signify "hey, there's people here who want what Cornel West is offering". In that sense, I'm treating the presidential election more as an opinion poll than anything else.

[canmom]

other news, I went to the Palestine demo at traf square today. something like a reportback.

if you're not familiar with the British protest scene, there's a few standard 'types' of political demonstration. there's the large scale gathering at Trafalgar Square or Parliament Square, which will typically march from one to the other and then stand about listening to speeches. (other popular destinations include the BBC HQ). these happen pretty regularly, and they serve as a recruiting ground for odious Trotskyist cults like the SWP, who print out hundreds of signs prominently displaying the name of their newspaper along with a slogan to unwitting protestors who never heard of Comrade Delta.

then there are smaller demos by the anarchist/antifa/etc. set, which often aim to be more disruptive. these have a bunch of standard tactics associated with them - black bloc, flag lines etc. - but because they're riskier, it tends to be a much smaller group. sometimes this will be a mobilisation against a fascist demonstration, other times it will just be marching about and making noise for the sake of it. these are sometimes called 'spiky' protests. they tend to end up in a police kettle, or yelling at the fash from the other side of a cop line. usually the police make a few arrests and let the rest go. although they are definitely more exciting, they are rarely ever much more effective at changing shit than the former category of demo.

finally there are direct actions of various types which aim to actively disrupt something like an immigration raid, deportation flight, arms fair, weapons factory etc., often accepting the price that the participants will likely be arrested and imprisoned. but that's way too broad a subject to get into.

this demo was of the first type. so numbers were impressive, but by the same token, it was a pretty static demo - the speeches and chanting kind, not even an A to B march. very few people wore face coverings. a lot of police were present, but mostly did not attempt to kettle us, just hovered at the sidelines.

so, it was a huge gathering of people wanting to express in some way that they do not stand for what is happening in Gaza, demand the politicians call for a ceasefire, wave the Palestinian flag, and chant. here, some chants I caught:

"from the river to the sea" / "Palestine will be free"

"free! free!" / "Palestine!"

"1, 2, 3, 4" / "occupation no more!" / "5, 6, 7, 8" / "Israel is a terror state"

"in our thousands, in our millions" / "we are all Palestinians"

and of course the usual standards - arse treats, no justice no peace, etc. the protest signs were pretty to the point in general - inevitably you had the SWP signs but there were a lot of handmade signs expressing the hypocrises and ironies or just showing faces of the dead.

there were a couple of weird pro-israel guys behind a triple line of cops, I couldn't really hear what the hell they were trying to accomplish by showing up to the Palestine demo over all the 'shame on you'.

the most spiky part was when some people did a sit-in in charing cross station, which is just a street away from trafalgar. by the time I got there the cops had it blockaded and were closing the shutters to the station, so it was pretty successfully shut down for that hour or so.

after a while, when people started to leave, and the cops abruptly grabbed a young black guy out of the crowd. people reacted fast but not really fast enough, so it became a stalemate with a triple line of cops surrounding the guy against a van, and us surrounding the cops, yelling at them to release him. some white trot guy took the opportunity to propagandise on a megaphone about how a young black guy speaking in solidarity with palestinians represented a threat to the state, which seemed a bit like he'd already given up on a de-arrest or release. it was a pretty surreal situation, the cops had cameras pointed at us (to identify and arrest people later) and we had phones pointed at the cops (to make sure they behaved themselves and maybe help the guy when things get to trial, in theory).

unfortunately they weren't fully surrounded, so the pigs got him out of there around the back of a van, with our group following. hopefully somebody knows where he was taken to do arrestee support. honestly, it felt pretty frustrating - I think a bolder crowd could probably have pulled off a de-arrest, or even kept a tight bloc to stop him getting grabbed in the first place, but it wasn't that kind of demo.

numbers died down into the evening, but by the time i got too tired to continue, there were still sizable groups in the square drumming and chanting. cycling past it was quite a sight. of course, a few streets over in Soho you would see similarly massive crowds of people going for a night out between theatres and nightclubs. that's the thing that always gets me, how you can have no idea that there's a massive protest going on a short walk away. big cities are weird. (hell, on the way up there I passed a pub with a small crowd of dress-uniformed navy guys drinking and chatting. p sure they were navy, they had the little hats.)

I'm glad I went, I feel ashamed for not making it out in previous weeks - but that said I do still feel like neither sunak (the current prime minister, representing the conservatives) nor starmer (the leader of the ostensibly left-wing labour party) will give two shits if this is where it stops. Sunak is mostly using these protests as a chance to score culture-war points as we saw this morning. they are bringing in cops from as far as Wales, but I'm not convinced they really see the Palestine movement as a credible threat, more an inconvenience to manage. I don't know what it will take to shift that balance of power.

next week the protest falls on the 10 November, the weekend of Armistice Day. it seems unlikely there will be a ceasefire by then - and perhaps tactics will evolve.

[dailyanarchistposts]

Organising May Day

Informal discussion of a May Day protest against EU policies began in mid-2003. At the Grassroots Gathering in Galway in November 2003 plans were discussed in a more structured way. Although a lot of the important details remained vague, working groups were set up that envisaged a May Day closely modelled on previous international summit protests with the aim of either shutting down the bigwigs shindig — or at least disrupting it — and using this as an opportunity to put forward our vision of an alternative Europe.

The pace of activity picked up in the New Year as Ireland assumed the EU presidency.

For the next five months there were regular meetings of the newly formed DGN to discuss what we wanted to do and to begin the practical organisational work for the protest. From quite early on in this process DGN decided that one of our most important priorities was to devise events and actions that would have popular appeal and allow for mass participation. What emerged over the next couple of months was an ambitious four-day timetable of events that was themed as a ‘No Borders’ weekend. The SWP led coalition ‘Another Europe is Possible’ also announced that it was going to hold some type of protest over the same weekend but based on our previous experience of SWP fronts we thought it wise to continue our plans separately and discuss possible coordination in the future.

At these meetings considerable time and thought was given to how we might get our message across effectively to people outside of the small libertarian scene and the traditional left. Despite a fairly small group of activists and very limited resources, it was decided to print fifty thousand leaflets explaining our opposition to the EU — one of the biggest print runs of any libertarian propaganda ever undertaken in Ireland.

We wanted to ensure that we couldn’t be simply written off or easily marginalised. This was of particular concern because historically the EU has enjoyed widespread popular support in Ireland both as a cash cow for infrastructural projects and various subsidies and by parts of the left as the harbinger of progressive social legislation.

We also wanted to clearly distinguish ourselves from the rather unappealing coalition of nationalists, rabid pro-lifers, racists and other loons who have traditionally opposed the project of European integration in Ireland. So in the final version of the leaflet we were careful to stress that we welcomed the admission of the people of these countries into the EU per se but that we objected to the neo-liberal policies of an EU run by bosses and multinationals that was intent on the privatisation of public services and tightening border controls. DGN was conscious that lefty whingeing and outrage on its own doesn’t often inspire people so the leaflet also tied to outline a positive and constructive alternative to the bosses’ Europe. When the leaflets were finally printed up we started distributing them in the city centre and in housing estates around Dublin, and to a lesser extent in other Irish cities. In addition, thousands of flyers, stickers and posters were printed up and plastered all over the city.

As part of the effort to go beyond the ‘usual suspects’ activists made contact with refugee groups, the anti bin-tax campaign that was opposing the imposition of neo-liberal service taxes and other campaigns and groups. An international call out to libertarians was also sent out. By February it was clear that a number of English groups were going to respond to the call, the most organised of which was the W.O.M.B.L.E.S who held several meetings in London in preparation for May Day and travelled over for the Grassroots Gathering in Cork in early March in order to network with Irish activists.

[fireangel]

Is SWP fake?

Hello anon,

You know I'm not sure

I'm pretty sure there's a person operating behind that account.

They seemed like a very real person to me, and I honestly felt quite close to them back when we were friends and was someone I very much trusted, unfortunately due to their association with Garbage and what Garbage did to me, as well as the 🐟 sister story screenshots leaks, I can't ever find that trust again, though whether or not they knew the truth of what they did is up for debate, who knows what they were told by others

I still have an entire conversation with them in my DMs as they're the one that blocked me, I've looked over it from time to time with a lot of regret

However, given the last spell they showed me that they performed, I don't think I'd engage with them again, I don't do the Dark stuff like that, try to give things a nudge maybe, but not that type of Dark ill will

Are they fake? I don't personally believe so

A lot of their tarot readings independently matched my own, as well as others, even ones I didn't publish anywhere which is what made them so intriguing to me, the energy we were picking up on was matching

💜🪽🌟

[techpsa]

Strategic Workforce Planning: Definition, Process, and Importance

Strategic workforce planning is no longer just a human resources initiative—it’s a business imperative. As organisations scale, diversify, and innovate, they need to ensure their workforce evolves in step with strategic objectives. That’s where strategic workforce planning (SWP) comes in. With the help of PSA software (Professional Services Automation), companies can transform workforce planning from a reactive activity into a proactive, data-driven process.

What Is Strategic Workforce Planning?

Strategic workforce planning is the structured process of aligning an organisation’s long-term business goals with its future workforce needs. It involves forecasting talent requirements, analysing current workforce capabilities, identifying gaps, and building strategies to recruit, retain, or reskill talent.

Unlike short-term staffing or operational planning, SWP takes a broader view—anticipating the future composition of teams, required skill sets, and leadership pipelines. When combined with PSA software, businesses can add greater precision and real-time data into the process.

The Strategic Workforce Planning Process

Understand Business Strategy Begin by identifying key business goals over the next 1–5 years—whether that’s market expansion, digital transformation, or launching new services.

Assess Current Workforce Use PSA software to gain visibility into your existing workforce: roles, skills, capacity, utilisation, and performance metrics.

Forecast Future Needs Estimate the number and types of roles your organisation will need based on projected project volume, service lines, and growth areas.

Identify Gaps Compare your current workforce profile with future requirements. Gaps may include skills shortages, leadership voids, or geographic limitations.

Develop Talent Strategies Build a roadmap to address these gaps through hiring, reskilling, upskilling, or restructuring. Use PSA software to model different scenarios and align workforce plans with financial forecasts.

Monitor and Adjust Strategic workforce planning is not a one-time task. PSA platforms allow ongoing monitoring of capacity, demand, and performance—enabling continuous recalibration.

Why Strategic Workforce Planning Is Important

1. Aligns People with Strategy

SWP ensures your workforce is always ready to support long-term goals. It bridges the gap between HR and business planning.

2. Improves Utilisation and Profitability

PSA software helps you monitor billable utilisation, manage demand peaks, and ensure resources are allocated to high-impact projects—boosting profitability.

3. Reduces Talent Risks

By identifying workforce gaps early, organisations can avoid last-minute hiring, prevent skill shortages, and mitigate succession risks.

4. Supports Agility and Scalability

Whether scaling rapidly or pivoting in a downturn, a strategic workforce plan gives businesses the confidence to adapt with the right people in place.

5. Drives Cost Efficiency

Planning ahead reduces unnecessary recruitment costs, prevents underutilisation, and ensures maximum return on workforce investments.

Role of PSA Software in Workforce Planning

Modern PSA software, like Kytes PSA + PPM, plays a critical role in enabling effective strategic workforce planning. It offers:

Real-time visibility into resource capacity, availability, and skills

Integrated project forecasts tied to staffing needs

Scenario planning to simulate hiring or training plans

Centralised data for decision-making across HR, finance, and delivery

Final Thoughts

Strategic workforce planning helps organisations future-proof their operations by ensuring their talent strategy matches their business strategy. When powered by PSA software, it becomes a living, data-driven process that enables smarter decisions, better project outcomes, and sustainable growth.

[banarjeenikita]

Why Invest in Managed Funds? Key Benefits for Long-Term Growth

Investing is a crucial part of wealth-building, and choosing the right investment strategy can significantly impact financial growth. Many investors struggle with market volatility, lack of expertise, and time constraints when managing their own portfolios. One of the best solutions for long-term wealth accumulation is to Invest in Managed Portfolios/Funds. These professionally managed investment vehicles provide diversification, risk management, and expert oversight, making them an attractive option for both beginners and seasoned investors.

1. What Are Managed Funds?

Managed funds, also known as mutual funds, index funds, or actively managed portfolios, pool money from multiple investors to create a diversified investment portfolio. A professional fund manager oversees these portfolios, making strategic decisions to optimize returns while mitigating risks. Investors can choose from various types of managed funds, including equity funds, bond funds, balanced funds, and sector-specific funds, depending on their risk appetite and financial goals.

2. Why Invest in Managed Portfolios/Funds?

a) Professional Expertise and Active Management

One of the primary reasons investors choose managed funds is the access to professional expertise. Fund managers have deep market knowledge, experience, and analytical skills to make informed investment decisions. They conduct in-depth research, monitor market trends, and adjust portfolios accordingly to maximize returns and minimize risks.

For individuals who lack the time or knowledge to actively trade and analyze stocks or bonds, investing in managed portfolios/funds offers a hands-off yet effective approach to growing wealth.

b) Diversification to Reduce Risk

Diversification is a fundamental principle of sound investing. Managed funds allocate capital across multiple asset classes, industries, and geographic regions, reducing the risk associated with individual stock or sector downturns.

For example, instead of investing in a single company’s stock, an equity mutual fund spreads investments across dozens or even hundreds of companies. This diversification helps balance market fluctuations and enhances long-term stability.

c) Consistent and Long-Term Growth Potential

Managed funds are designed to optimize long-term capital growth. Unlike short-term trading, which relies on market timing and speculation, these funds follow well-researched strategies aimed at steady wealth accumulation. Historical data shows that well-managed funds consistently outperform individual stock-picking efforts over extended periods.

Investors who prioritize long-term financial security, retirement planning, or wealth preservation can greatly benefit from the disciplined and structured investment approach of managed portfolios.

d) Liquidity and Easy Access to Funds

Unlike real estate or other illiquid assets, managed funds offer high liquidity. Investors can easily buy or sell fund units, making them a convenient investment option. Many funds also provide systematic withdrawal plans (SWPs) that allow investors to receive periodic income while keeping the bulk of their capital invested for growth.

e) Cost-Effective Investment Option

Compared to hiring a personal financial advisor or actively trading in the stock market, managed funds come with relatively lower costs. The expense ratios of managed funds cover fund management fees, operational costs, and administrative expenses. Some funds also have low minimum investment requirements, making them accessible to small investors looking to invest in managed portfolios/funds without a large upfront capital.

f) Automatic Rebalancing for Optimal Performance

Market conditions change, and an optimal investment mix today might not remain ideal in the future. Managed funds offer automatic portfolio rebalancing, ensuring that asset allocation remains aligned with investment objectives. This active adjustment reduces risks and enhances potential returns over time.

3. Choosing the Right Managed Fund

Before you invest in managed portfolios/funds, consider the following factors:

Investment Goals: Define whether you are investing for retirement, short-term gains, or long-term capital appreciation.

Risk Tolerance: Select funds based on your ability to handle market fluctuations. Equity funds have higher risks, while bond funds are more stable.

Fund Performance History: Analyze past performance, though it does not guarantee future returns. A consistent track record is preferable.

Expense Ratio: Compare the management fees of different funds. Lower fees can significantly impact long-term gains.

Fund Manager’s Reputation: A skilled and experienced fund manager can make a significant difference in fund performance.

Doing proper research or consulting a financial advisor can help investors select the right fund that aligns with their financial goals.

4. The Future of Managed Funds

The global investment landscape is evolving, with advancements in technology, AI-driven asset management, and sustainable investing playing key roles in shaping managed funds. ESG (Environmental, Social, and Governance) funds are gaining popularity as investors seek socially responsible investment options. Additionally, robo-advisors and AI-driven portfolio management are making managed funds more accessible and cost-efficient.

With these advancements, investing in managed portfolios/funds is becoming an even more attractive option for investors looking to build wealth over the long term.

Conclusion

For investors seeking a low-maintenance, professionally managed, and diversified investment approach, managed funds provide an excellent opportunity for long-term growth. They offer expert management, risk diversification, cost efficiency, and liquidity, making them ideal for both new and seasoned investors.

If you are planning to invest in managed portfolios/funds, choosing the right fund based on your financial goals and risk tolerance will set you on a path to financial security and wealth accumulation. As the investment landscape continues to evolve, managed funds remain one of the most reliable strategies for sustainable wealth growth.

[rach---05]

Suspended Work Platforms – The Key to Elevated Safety and Efficiency

Suspended work platforms are essential tools in industries that require working at significant heights. From construction and maintenance to cleaning skyscraper windows, these platforms are designed to provide safety, efficiency, and accessibility.

What is a Suspended Work Platform?

A suspended work platform (SWP) is a temporary structure used for tasks performed at height. It consists of a platform that is suspended by ropes, cables, or other mechanisms, allowing it to move vertically along building exteriors or structures.

Types of Suspended Work Platforms

Single-Point Platforms: Suspended from a single cable and ideal for small-scale tasks like window cleaning.

Two-Point Platforms: Suspended from two cables, providing greater stability for construction or maintenance work.

Multi-Point Platforms: Used for larger-scale projects and capable of supporting heavier loads.

Key Benefits of Suspended Work Platforms

Enhanced Safety: Equipped with harnesses, guardrails, and braking systems to ensure worker safety.

Accessibility: Reaches hard-to-access areas, making it ideal for tall buildings or complex structures.

Cost-Effective: Reduces the need for scaffolding, lowering project costs and setup time.

Versatility: Can be used across various industries, including construction, maintenance, and inspections.

Applications of Suspended Work Platforms

Building Maintenance: Cleaning windows, painting, and repairing facades.

Construction Projects: Installing exterior panels or conducting inspections.

Industrial Use: Working on bridges, chimneys, or offshore rigs.

Safety Measures for Suspended Work Platforms

Regular equipment inspections to ensure structural integrity.

Proper training for operators and workers.

Compliance with safety standards and regulations.

A suspended work platform is an invaluable tool for industries requiring height access. By prioritizing safety and efficiency, SWPs enable professionals to complete tasks effectively, even in the most challenging environments.

[nismexam]

NISM VA Mock Test: A Guide to Preparing for the Mutual Fund Distributors Certification Exam

The National Institute of Securities Markets (NISM) is a prominent institution in India, providing certification and education programs for individuals involved in the securities and financial markets. One of its critical certifications is the NISM Series V-A: Mutual Fund Distributors Certification, designed to equip aspiring mutual fund distributors with the knowledge required to operate in the financial markets. To help candidates prepare for this exam, mock tests play a crucial role. This article delves into the importance of nism va mock test, the structure of the certification exam, and how mock tests can help candidates succeed.

Overview of NISM V-A Mutual Fund Distributors Certification

The NISM Series V-A: Mutual Fund Distributors Certification is mandatory for professionals looking to work as mutual fund distributors in India. It is a regulatory requirement established by SEBI (Securities and Exchange Board of India), and the certification ensures that professionals possess adequate knowledge of mutual funds, their operations, and the regulations surrounding them.

The certification is critical for anyone looking to distribute mutual funds, whether for individual clients or corporate entities. The knowledge gained through this certification helps mutual fund distributors provide sound advice to investors, contributing to better decision-making in personal finance.

Exam Structure and Syllabus

Before diving into the significance of mock tests, it's important to understand the structure and syllabus of the NISM V-A Mutual Fund Distributors Certification exam. The exam consists of 100 multiple-choice questions, and candidates must score at least 50% (i.e., 50 marks out of 100) to pass. The duration of the exam is two hours, and there is no negative marking for incorrect answers.

The syllabus for the NISM V-A exam covers various topics, including:

Concept and Role of Mutual Funds: Understanding what mutual funds are, how they operate, and the benefits they offer to investors.

Types of Mutual Fund Schemes: Learning about equity funds, debt funds, hybrid funds, liquid funds, and other categories of mutual funds.

Mutual Fund Distribution: The roles and responsibilities of mutual fund distributors, including the regulatory framework and best practices in distribution.

Investment Plans and Products: Knowledge of systematic investment plans (SIPs), systematic withdrawal plans (SWPs), and other mutual fund-related investment options.

Investing in Mutual Funds: The process of buying, selling, and switching mutual fund units, understanding NAV (Net Asset Value), and transaction processes.

Investor Services and Rights: The rights and services available to mutual fund investors, including redemption processes, statements, and grievance redressal mechanisms.

Regulatory and Ethical Aspects: The regulatory requirements that govern mutual fund distributors and ethical guidelines that they must follow.

Why Mock Tests Are Important

Mock tests are an essential tool for preparing for any competitive exam, and the NISM V-A certification exam is no exception. These practice tests simulate the actual exam environment, helping candidates get comfortable with the question format, time limits, and pressure of the real test. Here are several key reasons why NISM V-A mock tests are important:

Familiarity with Exam Pattern: Mock tests give candidates a clear understanding of the exam format. By regularly taking these tests, they become familiar with how the questions are structured, the types of topics covered, and the level of difficulty. This reduces anxiety on the actual exam day and helps candidates feel more confident.

Time Management: With 100 questions to be answered in two hours, effective time management is essential for success in the NISM V-A exam. Mock tests allow candidates to practice completing the exam within the allotted time. This helps them allocate the appropriate amount of time to each question and avoid spending too much time on difficult questions.

Identifying Strengths and Weaknesses: Mock tests provide valuable insights into the candidate’s strengths and weaknesses. By reviewing their performance, candidates can identify areas where they excel and topics that need more attention. This allows them to focus their study efforts more efficiently, improving their overall score.

Improving Accuracy: The NISM V-A exam is a test of both knowledge and precision. Mock tests help candidates improve their accuracy in answering questions by giving them ample practice. With each test, candidates learn to avoid common mistakes and fine-tune their approach to answering questions correctly.

Building Confidence: One of the biggest challenges candidates face in exams is nervousness. Regularly taking mock tests builds confidence by simulating the exam experience. The more tests a candidate takes, the more comfortable they become with the exam format, boosting their confidence on the actual exam day.

Tracking Progress: Mock tests allow candidates to track their progress over time. By comparing their scores on different tests, they can gauge their level of preparedness and adjust their study strategy accordingly. If they see consistent improvement, they know they are on the right track.

How to Use Mock Tests Effectively

To make the most of NISM V-A mock tests, candidates should approach them strategically. Here are some tips for using mock tests effectively:

Start Early: Don’t wait until the last minute to start taking mock tests. Begin your preparation with a mock test to assess your initial knowledge level. Then, as you study the syllabus, continue taking mock tests at regular intervals to reinforce your learning and measure your progress.

Review and Analyze: After taking a mock test, spend time reviewing your answers. Analyze the questions you got wrong and understand why you made those mistakes. This will help you avoid repeating the same errors in the actual exam.

Simulate Real Exam Conditions: When taking mock tests, try to recreate the environment of the actual exam. Sit in a quiet place, set a timer, and avoid distractions. This will help you get accustomed to the pressure and time constraints of the real exam.

Focus on Weak Areas: Use mock tests to identify the areas where you need improvement. If you consistently perform poorly on a particular topic, spend more time studying that area before taking another mock test.

Take Multiple Mock Tests: Don’t limit yourself to just one or two mock tests. Take multiple tests to ensure you are fully prepared for the exam. The more practice you have, the better equipped you’ll be to handle the real test.

Where to Find NISM V-A Mock Tests

Several online platforms and coaching centers offer NISM V-A mock tests. These mock tests are often available for free or for a nominal fee. NISM itself provides sample tests on its official website, giving candidates an idea of the types of questions they can expect. In addition, educational platforms like EduPristine, Indiankanoon, and PracticeMock provide comprehensive mock test packages that simulate the actual exam environment.

Conclusion

Preparing for the NISM V-A Mutual Fund Distributors Certification exam requires a solid understanding of the syllabus, effective time management, and regular practice. Mock tests play an invaluable role in ensuring candidates is well-prepared for the exam. By offering a realistic exam experience, nism va mock test help candidates build confidence, improve accuracy, and track their progress. Whether you are an aspiring mutual fund distributor or someone looking to advance your career in the financial markets, taking NISM V-A mock tests is a vital step toward achieving success.

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[digital288]

Tax Benefits of Investing in Mutual Funds

When it comes to building wealth while minimizing your tax liabilities, mutual funds are a smart choice for many investors. Did you know that more than 6 crore people in India invest in mutual funds, and the industry's assets under management (AUM) crossed ₹46 trillion in 2023? That’s massive growth in just a few years.

But aside from potential market gains, mutual funds also offer a range of tax benefits that make them even more attractive. In this article, we’ll explore the various tax benefits of investing in mutual funds, making it easier for you to decide how to best grow your wealth.

1. Tax-Saving with ELSS (Equity Linked Savings Scheme)

One of the best tax-saving options under mutual funds is the Equity Linked Savings Scheme (ELSS). This is a type of equity mutual fund that qualifies for tax deductions under Section 80C of the Income Tax Act.

You can claim a deduction of up to ₹1.5 lakh in a financial year by investing in ELSS. What makes ELSS even more attractive is that it has the shortest lock-in period of just three years, compared to other tax-saving instruments like PPF (15 years) and NSC (5 years).

ELSS investments are primarily in equities, which means that they also offer good potential for long-term wealth creation.

2. Long-Term Capital Gains (LTCG) on Equity Funds

Equity mutual funds, where at least 65% of the assets are invested in equities, are subject to long-term capital gains tax. Here’s where the good news comes in: gains of up to ₹1 lakh in a financial year are tax-free. That’s right, no tax is levied if your long-term capital gains on equity mutual funds don’t exceed ₹1 lakh annually.

For gains exceeding ₹1 lakh, you’ll be taxed at 10%, but that’s still relatively low compared to other investment avenues. Plus, you only have to pay this tax if you hold your equity mutual fund units for over a year, making it a win-win situation for long-term investors.

3. Tax Benefits for Debt Funds

If you’re more risk-averse and prefer to invest in debt mutual funds, there are tax benefits here too. Debt funds are taxed differently from equity funds, but they still offer tax efficiency, especially for long-term investors.

For debt funds, if you hold your investment for more than three years, your gains are considered long-term capital gains (LTCG) and are taxed at 20% after allowing for indexation benefits. Indexation helps in adjusting the purchase price for inflation, thereby reducing the taxable gains, and in turn, your tax liability. In a nutshell, you end up paying tax only on the ‘real’ gains after inflation adjustments, which is pretty neat!

4. Dividend Distribution Tax (DDT) Abolished

Until recently, dividends from mutual funds were subject to a Dividend Distribution Tax (DDT), which was deducted before the dividend was paid out. However, in the Union Budget 2020, DDT was abolished. Now, dividends are taxed at the hands of the investor according to their income tax slab. While this isn’t necessarily a “benefit,” it does provide clarity and transparency in how your mutual fund dividends are taxed.

For those in lower tax slabs, this change could actually result in lower taxes on dividends than the flat DDT rate that was previously applicable.

5. SIPs and Tax Efficiency

Investing through a Systematic Investment Plan (SIP) is not only a disciplined way to invest but also a tax-efficient one. Each SIP installment is considered a separate investment for tax purposes. So, when calculating long-term capital gains, the holding period for each SIP starts from the date of that particular installment.

This means you can strategically time the sale of your SIP units to minimize taxes. For example, if you invest monthly via SIP and redeem your units after one year, only those installments that have completed a one-year holding period will be subject to the long-term capital gains tax, offering you flexibility and control over your tax liabilities.

6. Tax Benefits on SWP (Systematic Withdrawal Plan)

For investors looking for a steady income, a Systematic Withdrawal Plan (SWP) is a great option. When you withdraw money from your mutual fund through an SWP, only the gains portion of the withdrawal is subject to tax. The principal amount is not taxed.

Additionally, if your SWP is set up in an equity mutual fund, your gains will be subject to the same LTCG tax benefits discussed earlier. For debt mutual funds, you can benefit from indexation, making it a tax-efficient way to create a regular income stream.

7. Tax Efficiency in Retirement Planning

Mutual funds, particularly ELSS and balanced funds, can play a significant role in your retirement planning. Not only do they offer the potential for higher returns, but they also allow you to take advantage of tax benefits during your working years. By investing regularly in tax-saving mutual funds, you can reduce your taxable income and simultaneously grow your retirement corpus.

Additionally, when you begin to withdraw from your mutual fund investments in retirement, you can plan your withdrawals to take advantage of lower capital gains taxes.

Conclusion

Investing in mutual funds is not just about growing your wealth; it’s also about being tax smart. Whether you’re investing in ELSS for tax savings, using SIPs for long-term gains, or benefiting from the tax efficiency of debt funds, mutual funds offer numerous tax benefits. The key is to understand the taxation rules and plan your investments accordingly.

With mutual funds, you can enjoy the dual benefit of wealth creation and tax efficiency, helping you reach your financial goals faster while keeping the taxman at bay. So, why wait? Start investing today contact mutual fund advisor now and make the most of these tax benefits!

[tushar010297]

Navigating the Working Visa Process in the Philippines: A Complete Guide

Securing a working visa in the Philippines is a critical step for foreign professionals looking to establish their careers in this dynamic country. With its growing economy and diverse job opportunities, the Philippines is becoming an increasingly popular destination for expatriates. The process of obtaining a working visa may seem complex, but with the right guidance, it can be straightforward. In 2023, the demand for working visas in the Philippines surged by 15%, highlighting the country's appeal to international workers. This guide will walk you through the essential steps and requirements, ensuring you’re well-prepared for your journey.

Introduction

When considering a move to the Philippines for work, understanding the working visa Philippines process is crucial. The legalities, paperwork, and specific requirements may seem daunting, but with proper knowledge, you can navigate this process smoothly. The Philippines has become an attractive hub for professionals worldwide, thanks to its booming industries and welcoming atmosphere.

There are several types of working visas available in the Philippines, each designed to cater to different employment needs. Whether you are a highly skilled worker, a business executive, or a consultant, the Philippines offers a visa category that suits your professional profile. The country’s warm hospitality, English-speaking population, and relatively low cost of living make it an ideal destination for expatriates.

In this guide, we’ll explore the different working visas available, detail the application process, and outline the key requirements. We’ll also provide insights into what to expect once your visa is approved, including your rights and responsibilities as a foreign worker in the Philippines.

Different Types of Working Visas

The Philippines offers a range of working visas tailored to different types of employment. The most common are the 9(g) Pre-Arranged Employment Visa, the 9(d) Treaty Trader Visa, and the Special Work Permit (SWP). Knowing which visa category applies to your situation is essential before starting the application process.

The 9(g) Pre-Arranged Employment Visa is intended for foreign nationals who have secured employment with a company in the Philippines. This visa is generally issued for the duration of the employment contract and is renewable. Another option, the 9(d) Treaty Trader Visa, is available for nationals of countries that have trade agreements with the Philippines, allowing them to engage in significant trade or business activities.

For those who are coming to the Philippines for short-term work assignments, the Special Work Permit (SWP) is a suitable option. The SWP is ideal for projects lasting up to six months, allowing you to work in the Philippines without the need for a full working visa. Each visa type has its own application requirements and procedures, which we’ll explore in more detail.

How to Apply for a Working Visa

Applying for a working visa Philippines starts with securing a job offer from a local employer. Once you have an offer, your employer typically assists with the visa application, beginning with obtaining the necessary work permit from the Department of Labor and Employment (DOLE).

Your next step is to submit a visa application to the Bureau of Immigration (BI). This involves providing several key documents, including your passport, employment contract, and any relevant professional qualifications. The typical processing time for a working visa ranges from two to four weeks, depending on the completeness of your application.

It is essential to ensure that all your documents are accurate and up to date to avoid delays. Once your application is approved, you will need to attend an interview at a Philippine consulate or embassy in your home country. Upon passing the interview, your working visa will be issued, and you will be ready to start your new job in the Philippines.

Key Requirements for a Working Visa

To successfully obtain a working visa in the Philippines, you must meet several specific requirements. These include having a valid passport, a confirmed job offer from a Philippine-based company, and the necessary professional qualifications. You may also need to provide additional documents such as a medical certificate and police clearance from your home country.

For the 9(g) visa, your employer is required to obtain an Alien Employment Permit (AEP) from the DOLE. The AEP is a prerequisite for your visa application and ensures that your position cannot be filled by a qualified Filipino worker. This permit is usually issued for one year and can be renewed in line with your visa.

Certain professions in the Philippines may require additional permits or licenses from local regulatory bodies. For instance, foreign medical professionals, engineers, or educators might need to secure local licenses before starting work in their respective fields.

Rights and Responsibilities as a Foreign Worker

Foreign workers in the Philippines are entitled to the same rights and protections as local employees. This includes fair compensation, safe working conditions, and protection against workplace discrimination. Philippine labor laws are comprehensive and designed to ensure fair treatment for all workers.

In addition to your rights, there are responsibilities you must adhere to as a foreign worker. These include complying with local labor laws, paying taxes, and contributing to the social security system. It's also crucial to ensure that your working visa remains valid and that any changes in your employment status are promptly reported to the Bureau of Immigration.

Maintaining the validity of your visa is a critical responsibility. This includes renewing your visa before it expires and ensuring your employment situation aligns with the terms of your visa. If you change jobs or employers, you must inform the BI and apply for an amendment to your visa.

Life and Work in the Philippines

Living and working in the Philippines offers an enriching experience filled with professional growth and cultural immersion. The country’s diverse culture, friendly population, and affordable living costs make it a desirable destination for expatriates. However, adjusting to a new work environment and understanding local customs can be challenging.

To ease the transition, consider seeking assistance from relocation experts or legal advisors who specialize in Philippine immigration. Additionally, joining expatriate communities can provide valuable support and help you settle into your new life.

Working in the Philippines presents a unique opportunity to expand your career while experiencing a vibrant and welcoming culture. By understanding the visa process, meeting the necessary requirements, and respecting local laws, you can ensure a smooth and successful transition to your new professional life in the Philippines.

[sharmavidushi]

Should You Invest in Mutual Funds?

For new investors in India, deciding on avenues to invest hard-earned savings can seem incredibly overwhelming. Investing directly in individual stocks seems risky and needs to be more complicated for beginners to pick winners. These days, bank fixed

For new investors in India, deciding on avenues to invest hard-earned savings can seem incredibly overwhelming. Investing directly in individual stocks seems risky and needs to be more complicated for beginners to pick winners. These days, bank fixed deposits and savings accounts offer very lackluster returns failing to beat inflation. Gold values tend to fluctuate unpredictably in the short term. Many wonder whether mutual funds could offer the ideal diversified vehicle for growing long-term wealth without excessive headaches.

In this guide, we’ll learn about mutual funds and popular types for beginners to consider and equip them with smart strategies for profitable mutual fund investing as an individual retail investor. 

What Are Mutual Funds?

Mutual funds pool money gathered from potentially thousands of large and small investors across India and invests this collective capital into a basket of stocks, bonds, and other securities. An experienced professional fund manager then actively manages the investments in the future in alignment with a clearly stated goal, like maximizing capital appreciation over longer 5-10-year horizons or balancing income generation with inflation protection.

Top Benefits of Investing in Mutual Funds in India

Professional Management: Skilled fund managers thoroughly research securities and markets to construct and actively manage diversified portfolios catered to specific investor objectives around growth, income etc. This expertise would be very costly for individual investors to replicate when trying to self-manage portfolios.

Diversification: Rather than picking a handful of individual scripts yourself, equity mutual funds provide much-needed exposure to dozens of stocks across market capitalization levels and sectors, significantly lowering overall portfolio risk. 

Liquidity: Open-end mutual funds allow easy redemption at updated NAVs so you can conveniently sell your holdings and access money any business day. This assures your capital remains working rather than laying ideal.

Flexibility: Many mutual funds have minimum monthly investments of Rs. 500. Investing options range from lump sum, SIP, STP, SWP, etc., facilitating goal-based investing for all income levels.

Major Types of Mutual Funds to Explore 

While thousands of mutual fund schemes exist in India catering to varied investor preferences, most fit into a few major categories like:

Equity Funds: Primarily invest in shares of public and, at times, private companies. Offer higher long-term return potential, but prices tend to be more volatile, especially over shorter periods.  

Debt Funds: Invest predominantly in fixed-income instruments like government and corporate bonds. Historically, it offers stability and lower risks more suitable to conservative investors.  

Hybrid Funds: Balance both equities and bonds in their portfolio allocation. It is famous for investors seeking a middle path optimizing the risk-return ratio.

Conclusion

With sound mutual fund selections carefully chosen and aligned to individual financial aspirations, portfolios can steadily grow wealth over years and decades despite market cycles' inevitable ups and downs.

Follow proven expert tips like realistically assessing your personal risk tolerance, diversifying intelligently across fund types and even fund houses, thoroughly understanding all fees and exit charges associated, staying invested for 5-10 year, and partnering with an experienced financial advisor.

[upsettingandunfortunateclasshate]

What @theunapologeticanarchist 's types don't understand is that there's a historic undercurrent of class hatred in the revolutionary movement in the UK

Like the heavily WC anti fash street fighters in the SWP, who were never liked even when the SWP was more WC focused (they actually used to flyer council estates), and were eventually kicked out because they didn't fit the 'new' image which was heavily bases around academics and students who became their main focus

Anarchism too, obviously anarchists associated with class war that were seen as, wait for it, "lacking in theory", but even between WC tyneside anarchists and the more academic londoners at Freedom, as I posted the other day

It wouldn't matter so much if they were in a vanguard party, which is what they're historically attracted to cos it maintains their class privileges, panders to their superiority complex, and their belief that the great dumb lumpen WC need leading, educating and saving. But don't bring that stuff to anarchism. What do you think is gonna happen

[edenlegalservices-blog]

SURVEILLANCE SOCIETY – COURT OF APPEAL PUTS BRAKES ON POLICE SCHEME

Several police forces have been using facial recognition technology to detect suspects. Cameras placed in public places can scan thousands of faces as they pass by, matching those images with images on a database. The technology can assist in the apprehension of wanted offenders, and potentially track people as they go about their lawful business.

To many, if you have nothing to hide, you have nothing to fear, for others, it is a significant infringement of civil liberties and the start of a sinister world of state surveillance.

In a critical judgment, the Court of Appeal has provided clarification on the use of such technology.

What was the case about?

The appeal concerned the lawfulness of the use of automated facial recognition technology (“AFR”) in a pilot project by the South Wales Police Force (“SWP”). AFR is a new technology used to assess whether two facial images depict the same person. The specific type of AFR at issue, known as AFR Locate, works by extracting faces captured in a live feed from a camera and automatically comparing them to faces on a watchlist. If no match is detected, the software will automatically delete the facial image captured from the live feed. If a match is detected, the technology produces an alert and the person responsible for the technology, usually a police officer, will review the images to determine whether to make an intervention. SWP deployed AFR Locate on about 50 occasions between May 2017 and April 2019 at a variety of public events. These deployments were overt, rather than secret. The watchlists used in deployments included persons wanted on warrants, persons who had escaped from custody, persons suspected of having committed crimes, persons who may be in need of protection, vulnerable persons, persons of possible interest to SWP for intelligence purposes, and persons whose presence at a particular event causes particular concern. To date SWP watchlists have comprised between 400-800 people, and the maximum capacity for a watchlist is 2,000 images. AFR Locate is capable of scanning 50 faces per second. Over the 50 deployments undertaken in 2017 and 2018, it is estimated that around 500,000 faces may have been scanned. The overwhelming majority of faces scanned will be of persons not on a watchlist, and therefore will be automatically deleted.

What did the court decide?

The court rejected several challenges (brought by Mr Bridges) but upheld the following:

(1) Although the legal framework comprised primary legislation (DPA 2018), secondary legislation (The Surveillance Camera Code of Practice), and local policies promulgated by SWP, there was no clear guidance on where AFR Locate could be used and who could be put on a watchlist. The Court held that this was too broad a discretion to afford to the police officers to meet the standard required by Article 8(2).

(2) The High Court was wrong to hold that SWP provided an adequate “data protection impact assessment” (“DPIA”) as required by section 64 of the DPA 2018. The Court found that, as the DPIA was written on the basis that Article 8 was not infringed, the DPIA was deficient.

(3) The High Court was wrong to hold that SWP complied with the PSED. The Court held that the purpose of the Public Sector Equality Duty was to ensure that public authorities give thought to whether a policy will have a discriminatory potential impact. SWP erred by not taking reasonable steps to make enquiries about whether the AFR Locate software had bias on racial or sex grounds. The Court did note, however, that there was no clear evidence that AFR Locate software was in fact biased on the grounds of race and/or sex.

Will the Police Appeal?

 The police have confirmed that they do not intend to appeal the ruling.

 Does this mean that facial recognition will not now be used?

 The ruling does not ban the use of facial recognition technology, but it does strengthen the safeguards that must be in place.

 In a statement, South Wales Police said:

 ‘We are pleased that the court has acknowledged that there was no evidence of bias or discrimination in our use of the technology. But questions of public confidence, fairness and transparency are vitally important, and the Court of Appeal is clear that further work is needed to ensure that there is no risk of us breaching of our duties around equality. In 2019 we commissioned academic analysis of this question and although the current pandemic has disrupted its progress, this work has restarted and will inform our response to the Court of Appeal’s conclusions.’

 Our work

 We continue to closely monitor the use and lawfulness of emerging technologies, ensuring that at all stages, our client’s fundamental human rights are protected.

 How can we help?

If you need specialist advice, then get in touch with Hashmita Patel or Stephanie Brownlees on 01902 275 042 and let us help. We can advise on a plea, defences and potential sentences in a wide range of circumstances.

 Contact Details :

EDEN LEGAL SERVICES LTD

West Midlands House, Gipsy Lane, Willenhall, WV13 2HA

07791308922

https://www.edenlegalservices.co.uk/surveillance-society-court-of-appeal-puts-brakes-on-police-scheme/

[bustedbernie]

However, there has been far too little discussion of Sanders' 50-year record, nor have we seen a real view of how he would defend that record against a Republican onslaught.

He's been lucky to avoid such an inquiry, because, for whatever reason, the media has discounted his ability to win the nomination. Press scrutiny moves on a sliding scale -- the closer you get to the nomination, the more intense the spotlight becomes. And opponents of Sanders have been reluctant to take him on given the intensity of support from his voters and their knowledge of how important those voters will be in the fall.

The result is that one of the leading candidates for the nomination has largely escaped the kind of scrutiny his opponents have been put through and that should worry every Democrat. His vulnerabilities, like the rest of the candidates, should be tested before Democrats gather in Milwaukee later this summer.

So, what might that look like? Though Trump would have an army of researchers digging into his past in courthouses and video archives, a few Google searches reveal a vast trove of controversial information that I'm confident is unknown to most Democratic primary voters. Even if none of these are themselves politically fatal, the totality would seem to offer the Trump campaign an enormous set of targets.

Let's start with what he calls himself (and the label Trump tries to stick to every Democrat): a socialist. There's no ducking this one -- Bernie has said a lot over the years, and a lot of it on camera. The Associated Press reports that in a 1983 reelection debate he said, "I am a socialist, of course, I am a socialist." The Washington Examiner reported last year that in 1980 and 1984, Sanders campaigned for the Socialist Workers Party. The report said that Sanders "proudly endorsed and supported" the Marxist group's presidential candidate, Andrew Pulley, in 1980. According to the report, in a press release, Sanders said, "I fully support the SWP's continued defense of the Cuban revolution."

Sanders' support for Fidel Castro came up during a 2016 presidential debate when Hillary Clinton questioned him about remarks he made in a 1984 video in which he said, "Everybody was totally convinced that Castro was the worst guy in the world...They forgot that he educated ...kids, gave them health care, totally transformed the society." Although Sanders agreed that Cuba was undemocratic and authoritarian, he seemed to refuse to take back his comments. The 1984 video and his refusal to disavow his comments could be a vulnerability for Sanders in 2020.

In the 1970's, Sanders called for the abolition of the CIA, reducing the military, and returning to local militias, and the Coast Guard, to defend the homeland. Once in Congress, he called for spending cuts of 50% in the Pentagon's budget.

Sanders has also made statements that will cause problems with key Democratic constituencies. The allegations of sexual harassment by members of his 2016 campaign team were covered (Sanders said he didn't know about the allegations during his campaign but apologized), but little attention was paid to an article he wrote in 1969, exploring studies on stress and wondering if there could be a link between what parents taught their daughters about sexual mores and their child's likelihood of developing breast cancer. In 2011, he suggested several times that there would be value in a primary campaign against Barack Obama, one of the most revered figures in the Democratic Party. And in 2018, on the 50th anniversary of the assassination of Martin Luther King Jr., Sanders went to Jackson, Mississippi, and trashed the party and its first African American president. Speaking to a mostly black crowd, Sanders said, "The business model, if you like, of the Democratic Party for the last 15 years or so has been a failure ... People sometimes don't see that because there was a charismatic individual named Barack Obama. He was obviously an extraordinary candidate, brilliant guy."

It's well-known that Sanders has flipped his position on guns. He now says he supports gun safety, but in Congress, he initially voted against the Brady Bill, which requires prospective handgun buyers to wait up to five business days while a background check is conducted before completing a purchase, and later supported legislation immunizing the gun industry from several types of lawsuits.

Few are aware that before he got to Congress, he was even more radical. In 1972, he backed a political platform's call for the abolition of all laws that interfere with the constitutional right of citizens to bear arms.

I've seen this kind of thing before. To depress turnout, the Trump campaign will micro-target this information to the constituencies who would be most repelled by them. And Russian operatives won't need to talk to Julian Assange or English spies to get this material; they'll just need a dial-up modem.

[public-insecurities]

Vulnerabilities

Martha's Recipes

Martha's 'You Beauty' Vanilla Cake

Spotted errors include:

"180 degrees F" - which is equal to 82 degrees C, which is nowhere near hot enough to allow a cake to be baked.

No ingredients list with measurements is given - only how the ingredients should be used is given.

Martha's Easter-show Winning Caramel Slice

Spotted errors include:

"125g butter, melted, plus 100g extra" - ingredients include an "extra" 100g of butter, but the instructions don't specify where to use it.

"2 x 395 sweetened condensed milk" - the instructions don't specify where to use it.

"1/3 cup golden syrup" - the instructions don't specify where to use it.

From the 3 dotpoints above, we can conclude that the caramel slice recipe is missing how to incorporate the caramel!

"2 x 395 sweetened condensed milk" - no unit of measurement is given.

"PLAISTOWE Chocolate Dark" - not sure if I'm being too picky, but the ingredients list does not include the type of chocolate required, but the instructions do.

"200g Chocolate dark, melted" - the ingredients list says you need melted dark chocolate, but the instructions include how to melt the chocolate.

Martha Family Recipe - Cheese Souffle

Spotted errors include:

Mismatch in cooking times stated before the instructions and within the instructions.

I found that the instructions were very long and could have been broken up, which would have made it easier to follow and reduce errors.

I C your problem there

I didn't touch the C code because:

It was "for computer scientists" and I ain't one

I haven't touched C since... OS maybe so that's more than a year.

Maybe I'll return to this activity later on and review the vulnerabilities in the C code.

Reflection

What can we learn from this activity?

Well, I guess this activity stresses the importance of being precise. Computers are only as smart as the programmer (debatable), so it's important that the instructions we feed it leave no room for error.

For example, when writing a recipe, it should state what to use, how to use it, how much to use, how to do it, how long to do it, etc.

In another example, when I was doing my lab induction, we were told that we were required to write up an SWP (Safe Working Procedure) before we were able to do anything. The SWP should be so precise, yet simple enough, such that you could leave your work to your dumbest friend and they'd be able to carry out the rest of the work for you.

Think about your dumbest friend - how would you protect them from failure?