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Do not expect
May 07, 2019 Anniversary Wishes For Parents No comments

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Verse  (Click for Chapter)

New International Version
You also must be ready, because the Son of Man will come at an hour when you do not expect him."

New Living Translation
You also must be ready all the time, for the Son of Man will come when least expected.”

English Standard Version
You also must be ready, for the Son of Man is coming at an hour you do not expect.”

Berean Study Bible
You also must be ready, because the Son of Man will come at an hour you do not expect.”

Berean Literal Bible
You also, be ready; for the Son of Man comes in the hour you do not expect."

New American Standard Bible
"You too, be ready; for the Son of Man is coming at an hour that you do not expect."

New King James Version
Therefore you also be ready, for the Son of Man is coming at an hour you do not expect.”

King James Bible
Be ye therefore ready also: for the Son of man cometh at an hour when ye think not.

Christian Standard Bible
You also be ready, because the Son of Man is coming at an hour you do not expect."

Contemporary English Version
So always be ready! You don't know when the Son of Man will come.

Good News Translation
And you, too, must be ready, because the Son of Man will come at an hour when you are not expecting him."

Holman Christian Standard Bible
You also be ready, because the Son of Man is coming at an hour that you do not expect.""

International Standard Version
So be ready, because the Son of Man is coming at a time when you don't expect him."

NET Bible
You also must be ready, because the Son of Man will come at an hour when you do not expect him."

New Heart English Bible
Therefore be ready also, for the Son of Man is coming in an hour that you do not expect him."

Aramaic Bible in Plain English
“Be you also ready therefore, for in that hour when you are not expecting, The Son of Man comes.”

GOD'S WORD® Translation
Be ready, because the Son of Man will return when you least expect him."

New American Standard 1977
“You too, be ready; for the Son of Man is coming at an hour that you do not expect.”

Jubilee Bible 2000
Be ye therefore ready also; for the Son of man comes at an hour when ye think not.

King James 2000 Bible
Be you therefore ready also: for the Son of man comes at an hour when you think not.

American King James Version
Be you therefore ready also: for the Son of man comes at an hour when you think not.

American Standard Version
Be ye also ready: for in an hour that ye think not the Son of man cometh.

Douay-Rheims Bible
Be you then also ready: for at what hour you think not, the Son of man will come.

Darby Bible Translation
And ye therefore, be ye ready, for in the hour in which ye do not think [it], the Son of man comes.

English Revised Version
Be ye also ready: for in an hour that ye think not the Son of man cometh.

Webster's Bible Translation
Be ye therefore ready also: for the Son of man cometh at an hour when ye think not.

Weymouth New Testament
Be you also ready, for at an hour when you are not expecting Him the Son of Man will come."

World English Bible
Therefore be ready also, for the Son of Man is coming in an hour that you don't expect him."

Young's Literal Translation
and ye, then, become ye ready, because at the hour ye think not, the Son of Man doth come.'

At this point I do not expect anything from anyone. Good or bad. I actually am having a hard time trusting anyone. It will be a hell of a long time before I trust.

Expect Quotes

do not expect

“Expectation is the root of all heartache.” -William Shakespeare

Peace begins only when expectation comes to an end. Sometimes not getting what you want is the best thing. You might not understand it at that moment but later in your life you will realize that what had happened was in your favor. Let’s gather peace and happiness by quitting the practice of keeping high expectations from our family, friends or colleagues.

1. Do Yourself What You Expect From Others:

Whatever you want to expect from others, expect it from yourself instead of them. Don’t depend on people for your happiness. Don’t consider yourself as a helpless or powerless structure of bones. Do you want love from people? Love yourself as much as you expect from them. Do you want to be helped? Help yourself as you expect them to help you.

2. Express Gratitude:

Gratitude is something that does wonders. It is a great source of happiness and tranquility. Believe me, if you start being grateful for who you are, what you have and with whom you are associated with, you will never have to expect from any one or to depend on anyone for the sake of achieving happiness.

3. Don’t Wish From People A Return Of Your Good Deed:

If you want to get rid of the habit of keeping high expectations, you can start doing good secretly, so that no one is aware of your good deed and you will not be looking forward for a response. It can be donating some amount in the charity, at religious places or old homes. It can be helping someone cross the road or lending a helping hand to a stranger. Acts of kindness should always be done without expecting reward or favor in return.

4. Inquire Your Expectation:

While expecting something from someone, just give it a little thought that what you desire from others, are you yourself able to deliver it when expected from you? If your answer is still “˜yes I can’, then you should be grateful for the ability you have been blessed with. May be the other person is not capable enough to come up to your expectation. For instance you want your son/daughter to help you with the work but they don’t and you feel broken or angry. Stop gnashing your teeth and expecting too much from them because the children of today are not as fit as you were at their age.

5. Let Life Go On Its Own:

Just imagine for a while the outcome of expectations”¦.. you expect, your expectation is not met; the result: you get disappointed. Instead of creating reasons for your frustration, let life unfold on its own. Enjoy your present. What is there for you will come to you with life’s own natural flow. Isn’t it better to be surprised than to be disappointed? The more we trust in life’s wisdom, by quitting our expectations, the simpler it becomes to open ourselves to the riches that life has for us.

“When you release expectations, you are free to enjoy things for what they are instead of what you think they should be.” Mandy Hale

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do not expect

Here us why it makes little sense to expect any return from a mutual fund SIP. Instead of focussing on a target return, investors should focus on a target corpus with a clear goal in mind because this is simpler and easier to achieve. In what follows my goal is to discuss the risk associated with equity or any mutual fund investment and not to discourage people from investing in equity.

This is a follow up to yesterday article on huge difference in SIP returns from the same fund: how is it possible. When we looked at the five year rolling SIP returns of DSP Small Cap Fund, investors immediately assumed when the duration is increased, the spread in returns will come down and “all will be well”. Sadly, this is not the case.

While we have a reasonable number of ten years return periods (in which the spread is significant), any longer then the history is too short to infer anything. So as done previously Dollar Cost Averaging aka SIP analysis of S&P 500 and BSE Sensex, we will have to look at S& P 500 returns data.

Five Year Rolling Returns of Franklin India Blue Chip Fund

To understand why one should not expect any returns from a mutual fund SIP, let us look at rolling SIP returns of one of India’s oldest mutual fund: Franklin India Blue Chip. In a rolling SIP returns graph, each data point is a SIP return for a specified duration and the SIPs are started one month apart.

The number of 5-year data points is 242 (not too much, but reasonable). Now there are two things one can infer from such a rolling returns graph. The spread in returns in the vertical axis. All the way from negative to 50%+. If someone were to start a SIP in this fund or any fund and ask, “what return can I expect in five years?”. Anyone with a pinch of brain and an ounce of conscience would either say: “cannot say” or at least point out that the focus of investing should be elsewhere.

The second aspect is the duration in the horizontal axis. It represents the period in which investments of all 242 SIPs were started: Dec 199×3 to ~ 2014.

Ten Year Rolling Returns of Franklin India Blue Chip Fund

Does the spread get smaller over ten years? Yes, but hardly small enough to expect anything. The number of data points also get smaller (182). Also notice the duration has considerably decreased.

The other worrying aspect is the general southbound movement of the full envelope. One cannot even expect 10% return from a 10Y SIP in future and this is before tax! Someone on YouTube (see video below) commented that this is due to a fall in inflation so real returns are intact. Fact is that actual inflation in India has nothing to with the inflation government reports.

Those government numbers do not account for the price of services like education, medicine, hospitality etc and therefore real inflation is well above reported inflation. So real returns for at least Franklin Blue Chip investors have decreased over the years.

Fifteen Year Rolling Returns of Franklin India Blue Chip Fund

The number of data points further reduce to 11 and the period of investment reduces to about a decade between 1993 and 2003. Since this was a turbulent period with an almost flat Sensex, it make little sense to infer future returns from this investment window. Even then there is a gradual dip in returns here too.

Twenty Year Rolling Returns of Franklin India Blue Chip Fund

There are only 62 20-year data points of investments made between Dec 1993 and early 1999. That is a five-year window. It is silly to judge future returns or expect anything from this graph. Investors when they look at such graphs say they are “de-motivated”.  Sadly, they are missing the point: The message is not to avoid equity. The message is to avoid expectation.

The problem is that many investor have no system of investment in place. They treat mutual funds like insurance policies where all they have to do is to pay the premiums and incorrectly assume despite daily ups and downs, everything will turn out all right. Before we consider the solution to investing without return expectations, let us consider S& P 500 data.

Fifteen Year Rolling Returns of S& P 500 (price index)

The advantage with S&P 500 is the history. We have 1025 15-year SIP return data points. The US was not exactly a developed country in the early 20th century. They went though economic depression and war. It should clear that the spread in a buy and hold 15Y SIP in S&P 500 is simply way too much to assume it would always beat US inflation.

Twenty Year Rolling Returns of S& P 500 (Price Index)

The situation over 20-years (1145 data points) is hardly any different. This is the reason why US finance gurus emphasize on international diversification (which will reduce risk and not enhance always returns).

What is the solution?

So one cannot expect any return, so what is the solution. First let us clarify that a bit. One should not expect any return is the idea is to simply buy units and live in hope. As shown before – How to reduce risk in an investment portfolio, no matter what the sequence of returns is (which is the reason for the return variations), one can with a clear asset allocation plan and step wise reduction in equity can help us reach a target corpus.

So the solution is to replace target return (= expectation) with a target corpus. This is possible only when we are clear about the purpose of the investment. You can download the Freefincal Robo Advisory Software Template and create a concise  plan for each goal. This does assume a 10% return from equity for 10+ year goals, but that becomes irrelevant as the equity allocation is reduced well before the goal dead line.

An alternative to this is to play it by the ear and gradually increase the fixed income corpus and ensure there is enough money to meet the goal, so returns do not matter. See: My personal financial audit 2018

Another alternative is to employ one of the market timing methods discussed and reduce risk. This works only if the investor is unafraid of taxes and exit loads.

Whatever method you choose, there is no need to act as if there is no point in equity investing. It is only a matter of having a goal and a system (only then it becomes a SIP) to reduce risk.

Video Version Part 2 (this post)

Video version part 1

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About the AuthorM. Pattabiraman(PhD) is the author and owner of freefincal.com.  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Follow @freefincal “Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)

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First answer is correct, just saying it differently: “don't” is a contraction of “do not.” “ Do” refers to a present or future event. “Did not” would be contracted to “didn't,”.

Do Not Expect to “End the Occupation”

do not expect


Here is the answer from Nikon support to a question about the CFexpress memory cards firmware update for the Nikon D500 camera:

In regard to CFexpress support being released for the D500. We know that yes this will be a firmware update, but we can not release any information in regard to this due to the CF express update because the cards are not on the market and scheduled to be released in November of 2019

It seems that Nikon is waiting for CFexpress memory cards to become available and then they will release the promised firmware update for the Z6, Z7, D5, D850 and D500 cameras.

A few thoughts/observations from a reader (thanks Helmut):

  • CFexpress card needs to be Type B to be compatible with XQD.
  • The fastest XQD card is the Sony G with 440/400MBps r/w. The speed of the SanDisk CFexpress card is 1700/1200 MBps r/w or roughly 4x/3x of XQD based on the different protocols used.
  • In the US, it looks as if CFexpress cards will be cheaper than comparable XQD cards (especially the high capacity cards).

Several different brands of CFexpress memory cards are now available for pre-order at Adorama and B&H. In Europe, CFexpress memory cards can be found at Amazon UK, Amazon France, Amazon Italy and Amazon Spain.

This entry was posted in Nikon D5, Nikon D500, Nikon Z6, Nikon Z7 and tagged CFExpress memory card. Bookmark the permalink. Trackbacks are closed, but you can post a comment.

WATCH THE VIDEO ON THEME: Don't Expect Anything From Anyone: A Success Mindset

We expect the lower interest rates to benefit the banks in terms of boosting their NIMs.

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