Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

The mean hourly salary for ACME Inc.'s factory workers are $19.50 with a standard deviation of $4.25. If we select s factory worker t random, calculate the probability that the factory worker earns:
(Round the final answers to 4 decimal places.)
a. Between $17.50 and $22.50 per hour. (5)
Area
b. Between $22.00 and $25.00 per hour. (5)
Area
c. More than $24 per hour. (5)
Probability
d. At least $18 per hour. (5)
Probability

Contact me if you are interested in Iman Gadzhi Courses by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have all Iman Gadzhi courses (Agency Navigator, Agency Incubator, Copy Paste Agency).
Iman Gadzhi’s courses are one of the best products on how to start a marketing agency and how to grow it.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The courses of Iman Gadzhi include the following:

1. Agency Navigator course Core Curriculum
   
2. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
3. Websites Templates, Funnels, Ads & More
   
4. Template Contracts, Sales Scripts, Agreements, Live calls & More
   

The core concepts in Iman Gadzhi’c courses include:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
If you are interested in Iman Gadzhi’s courses, contact us on:
Whatsapp/Telegram: +44 759 388 2116 (Telegram: multistorecourses)
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116 (Telegram: multistorecourses)
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

there were 4 probabilities given and it took forever, I dont know if theres anyway I can solve this question under 90 seconds on the exam

Hello
I have had some inconsistencies with my specialita regarding varying shot times from shot to shot. I figured it was because of retention. Now I have bought some bellows and am single dosing, consistency is much better but the workflow is killing me. I weigh beans before and after grinding. Often I am missing up to a gram of grinds. So I knock and shake the grinder to get the remainders. It’s not good. Furthermore the bellows spray chaff everywhere and it sticks to the display and is just really messy.
So now I a considering the df64v or df83 v2 as an upgrade. It seems there is less retentionin those grinders and the dosing cup seems to go closer to the funnel to get less spray. I realize both the mentioned grinders are quite new but I am still looking for some experiences that you may have had.
I am located in Europe and therefore my options are to buy from a Belgian or German dealer. The prices are 590 and 690 euro. I am looking for any feedback regarding:

• burr alignment. I read that I will probably have to align the burrs myself. I wasn’t very successful on the specialita so I am a bid concerned about this.
• difference in espresso from 64mm dlc and 83mm stainless steel
• retention in the grinders, how much will stay in the grinder. I read the df83v2 will have an anti static device. At the same time I hear about clogging in the chute.
• build quality: as I am ordering from a different country it’s not that easy for me to return the product if something is wrong with it
• motor stall. I read about the df64v stalling. How big of an issue is this?

It’s only 100 euro more for the df83, but I read some post from people saying they actually prefer the 64 to the 83.
Any other input is also appreciated

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Original Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance (my newsletter Boring Money. Do visit the link to subscribe if you'd like to receive similar posts in your inbox)
--
Here’s how mutual funds make money:

1. An investor gives the fund some money to manage
2. The fund manages it by investing that money in stocks, bonds, etc.
3. The mutual fund company charges a management fee for this service, which is a fixed percentage of whatever it manages

The incentive here is clear. The fund needs to increase the amount of money that it manages. One way for a fund to do this is by, well, investing well. If a fund’s investment goes up in value, it automatically manages more money. But investing well is hard, slow, and not a lot of fun. The fun way to manage more money is just getting more money from your investors. That way, the fund needn’t worry too much about how the fund performs, the company running the fund makes money either way.
Last month, SEBI released a consultation paper that reevaluates how mutual funds charge for their services. The paper has 15-odd proposals but I’m only writing about the couple interesting ones. Here’s a post from Zerodha that summarises all proposals, if you’d like to see them all on one page.
SEBI doesn’t particularly like that the only way for mutual funds to make money is by accumulating more money from investors. One solution it’s considering is to allow mutual funds to charge not just for money management, but for performance. Sure, let mutual funds take some money for managing these assets, but if the fund performs well, give the fund company a decent chunk of the profits as well. That’s how hedge funds work, and arguably they do have a lot more fun with their investments. [1]
Here are two possible approaches that SEBI is considering. From its consultation paper:

Approach A: During the period in which the investor remains invested, the base expense ratio may be charged to the investor. At the time of redemption, the management fees may be charged if return of more than indicative rate is generated or annualised returns received by the investor is above the hurdle rate. … Approach B: There can be another approach where higher expense limit for performance based TER [percentage fee] may be fixed and TER inclusive of management fees is charged to the investor. The TER charged by the schemes in such cases should be based on the schemes’ performance during the previous year. At the time of redemption by the investor, if AMC fails to generate return above the indicative returns for investor or the annualised returns for the investor is below the hurdle rate fixed in advance, the AMC may retain base TER as may be applicable and return the remaining expenses charged to the investor, along with the redemption amount.

In Approach A, if you invest in a mutual fund, you’re charged the regular management fee right until you withdraw your money. When you do withdraw, the fund deducts a nice chunk from your profits (beyond a certain agreed upon threshold) and returns the rest. In Approach B, the fund just charges you a higher management fee to begin with. When you actually withdraw, it calculates your profit and returns any extra money it might have charged earlier. This is very different from how hedge funds are paid! The general rule with investments is that you’ll have good years and you’ll have bad years. If a hedge fund has a good year, it’s going to charge for performance right away and take away its share of the profit before it gets to a bad year. If a SEBI-regulated mutual fund has a good year, it’s not going to be paid until the investor withdraws! In the management fee model, a mutual fund is incentivised to convince investors to invest as much as possible. In this performance fee model, a mutual fund is incentivised to convince investors to.. withdraw?
I really understand what SEBI is trying to do here. Hedge funds take a lot of risk and often go crazy. If the risk pays off, they’ll earn a lot that year. If the same risk doesn’t pay off the next year, bahh, the investor might lose half their capital but at least the hedge fund got paid the year it did do well. Going by SEBI’s proposal, mutual funds will have to care about their investors’ real returns which will be a mix of both the good and bad years. Sure, it might work. But I wouldn’t be surprised if mutual funds just get their investors to withdraw more often to lock-in their share of the profits.
Grass is greener on the side of the new fund
A well known phenomenon of the Indian investment market is that investors don’t invest by themselves. They need a bit of a push and prod. Even if they want to invest, they need help with how much and where.
Mutual fund companies rely on distributors to sell their funds to end customers. Because, well, most investors don’t ever download an app and start investing. They buy through distributors who they trust! In return, these distributors also get a fixed percentage fee, just like the mutual fund company itself. [2] Since these distributors sit in-between the mutual fund company and the investor, it gives them quite a bit of power.

1. If a mutual fund company is starting a new fund, it will ask its distributors to convince investors to buy this newShinyFund. This newShinyFund will give distributors a higher-than-usual distribution commission
2. The distributor now goes to their customers and asks them to invest in this newShinyFund because it’s new and shiny. But the customer won’t just have large chunks of money lying around to invest. So the distributor will say “hey why don’t you just transfer your money from oldBoringFund to newShinyFund—I’ll do it for you”
3. The customer says “yeah, cool” and they’re now an investor in newShinyFund which pays more to both the distributor as well as the mutual fund company

27% of the money in new mutual fund schemes launched between April 2021 and September 2022 came from old mutual fund schemes. In one case, this figure was over 55%. Over time, newShinyFund would become oldBoringFund, and the mutual fund company could just launch a newNewShinyFund and well, distributors would then sell that and life would go on.
SEBI’s proposal is ending this! If a distributor switches an investor from oldBoringFund to newShinyFund, but oldBoringFund pays less commission than newShinyFund, they still get paid the lower commission even if their customer is now switched into newShinyFund. I’m sure mutual funds and their distributors will find a way around this sooner or later, but for now, the incentive to push new funds is lost. [3]
They see me regulatin’, they hatin’
One way of looking at SEBI is that as a regulator it needs to ensure there’s transparency and let market participants handle the rest. SEBI is, after all, a market regulator, so it would be a bit weird if it didn’t believe in market forces.
Going by this line of thought, SEBI wouldn’t propose barring distributors being paid more to switch their customers into new funds. If a mutual fund company wants investors in its shiny new fund, and it’s willing to pay distributors more to achieve that, why does SEBI see it as a problem? Its job is to ensure that the investor knows what’s happening, but then it’s up to the investor to choose what they want to do.
I can imagine a solution that wouldn’t limit how much commission distributors get, but instead force them to explicitly inform every investor just how much more money they stand to make if the investor buys into the new fund. “Hey there’s this fund that’s great and you should invest in it maybe. It’s new and shiny, can I transfer your money to it, pretty please? If you say yes, I get to take my wife and kids to Europe this year.” I’m sure some investors would say yes, but presumably the majority would not.
Footnotes [1 ] Here’s an Investopedia piece on the “9 Biggest Hedge Fund Failures”. Hedge funds, even those managing billions of dollars, often take on a lot of risk and frequently implode. Mutual funds rarely (never) do.
[2] These days, it makes little sense for anyone to invest via a distributor and lose money in the form of a lifelong commission. There are tens of fintech apps which allow for direct investing, as do almost all mutual fund websites.
[3 ] The SEBI regulation applies when a distributor “switches” their customer’s money from one fund to another. If the same customer first withdraws their money, then re-invests in the new fund recommended by their distributor, the distributor can then get the new, higher commission. Definitely a more annoying and time-consuming process though.
Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance

Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance (my newsletter Boring Money. Do visit the link to subscribe if you'd like to receive similar posts in your inbox)
--
Here’s how mutual funds make money:

1. An investor gives the fund some money to manage
2. The fund manages it by investing that money in stocks, bonds, etc.
3. The mutual fund company charges a management fee for this service, which is a fixed percentage of whatever it manages

The incentive here is clear. The fund needs to increase the amount of money that it manages. One way for a fund to do this is by, well, investing well. If a fund’s investment goes up in value, it automatically manages more money. But investing well is hard, slow, and not a lot of fun. The fun way to manage more money is just getting more money from your investors. That way, the fund needn’t worry too much about how the fund performs, the company running the fund makes money either way.
Last month, SEBI released a consultation paper that reevaluates how mutual funds charge for their services. The paper has 15-odd proposals but I’m only writing about the couple interesting ones. Here’s a post from Zerodha that summarises all proposals, if you’d like to see them all on one page.
SEBI doesn’t particularly like that the only way for mutual funds to make money is by accumulating more money from investors. One solution it’s considering is to allow mutual funds to charge not just for money management, but for performance. Sure, let mutual funds take some money for managing these assets, but if the fund performs well, give the fund company a decent chunk of the profits as well. That’s how hedge funds work, and arguably they do have a lot more fun with their investments. [1]
Here are two possible approaches that SEBI is considering. From its consultation paper:

Approach A: During the period in which the investor remains invested, the base expense ratio may be charged to the investor. At the time of redemption, the management fees may be charged if return of more than indicative rate is generated or annualised returns received by the investor is above the hurdle rate. … Approach B: There can be another approach where higher expense limit for performance based TER [percentage fee] may be fixed and TER inclusive of management fees is charged to the investor. The TER charged by the schemes in such cases should be based on the schemes’ performance during the previous year. At the time of redemption by the investor, if AMC fails to generate return above the indicative returns for investor or the annualised returns for the investor is below the hurdle rate fixed in advance, the AMC may retain base TER as may be applicable and return the remaining expenses charged to the investor, along with the redemption amount.

In Approach A, if you invest in a mutual fund, you’re charged the regular management fee right until you withdraw your money. When you do withdraw, the fund deducts a nice chunk from your profits (beyond a certain agreed upon threshold) and returns the rest. In Approach B, the fund just charges you a higher management fee to begin with. When you actually withdraw, it calculates your profit and returns any extra money it might have charged earlier. This is very different from how hedge funds are paid! The general rule with investments is that you’ll have good years and you’ll have bad years. If a hedge fund has a good year, it’s going to charge for performance right away and take away its share of the profit before it gets to a bad year. If a SEBI-regulated mutual fund has a good year, it’s not going to be paid until the investor withdraws! In the management fee model, a mutual fund is incentivised to convince investors to invest as much as possible. In this performance fee model, a mutual fund is incentivised to convince investors to.. withdraw?
I really understand what SEBI is trying to do here. Hedge funds take a lot of risk and often go crazy. If the risk pays off, they’ll earn a lot that year. If the same risk doesn’t pay off the next year, bahh, the investor might lose half their capital but at least the hedge fund got paid the year it did do well. Going by SEBI’s proposal, mutual funds will have to care about their investors’ real returns which will be a mix of both the good and bad years. Sure, it might work. But I wouldn’t be surprised if mutual funds just get their investors to withdraw more often to lock-in their share of the profits.
Grass is greener on the side of the new fund
A well known phenomenon of the Indian investment market is that investors don’t invest by themselves. They need a bit of a push and prod. Even if they want to invest, they need help with how much and where.
Mutual fund companies rely on distributors to sell their funds to end customers. Because, well, most investors don’t ever download an app and start investing. They buy through distributors who they trust! In return, these distributors also get a fixed percentage fee, just like the mutual fund company itself. [2] Since these distributors sit in-between the mutual fund company and the investor, it gives them quite a bit of power.

1. If a mutual fund company is starting a new fund, it will ask its distributors to convince investors to buy this newShinyFund. This newShinyFund will give distributors a higher-than-usual distribution commission
2. The distributor now goes to their customers and asks them to invest in this newShinyFund because it’s new and shiny. But the customer won’t just have large chunks of money lying around to invest. So the distributor will say “hey why don’t you just transfer your money from oldBoringFund to newShinyFund—I’ll do it for you”
3. The customer says “yeah, cool” and they’re now an investor in newShinyFund which pays more to both the distributor as well as the mutual fund company

27% of the money in new mutual fund schemes launched between April 2021 and September 2022 came from old mutual fund schemes. In one case, this figure was over 55%. Over time, newShinyFund would become oldBoringFund, and the mutual fund company could just launch a newNewShinyFund and well, distributors would then sell that and life would go on.
SEBI’s proposal is ending this! If a distributor switches an investor from oldBoringFund to newShinyFund, but oldBoringFund pays less commission than newShinyFund, they still get paid the lower commission even if their customer is now switched into newShinyFund. I’m sure mutual funds and their distributors will find a way around this sooner or later, but for now, the incentive to push new funds is lost. [3]
They see me regulatin’, they hatin’
One way of looking at SEBI is that as a regulator it needs to ensure there’s transparency and let market participants handle the rest. SEBI is, after all, a market regulator, so it would be a bit weird if it didn’t believe in market forces.
Going by this line of thought, SEBI wouldn’t propose barring distributors being paid more to switch their customers into new funds. If a mutual fund company wants investors in its shiny new fund, and it’s willing to pay distributors more to achieve that, why does SEBI see it as a problem? Its job is to ensure that the investor knows what’s happening, but then it’s up to the investor to choose what they want to do.
I can imagine a solution that wouldn’t limit how much commission distributors get, but instead force them to explicitly inform every investor just how much more money they stand to make if the investor buys into the new fund. “Hey there’s this fund that’s great and you should invest in it maybe. It’s new and shiny, can I transfer your money to it, pretty please? If you say yes, I get to take my wife and kids to Europe this year.” I’m sure some investors would say yes, but presumably the majority would not.
Footnotes [1 ] Here’s an Investopedia piece on the “9 Biggest Hedge Fund Failures”. Hedge funds, even those managing billions of dollars, often take on a lot of risk and frequently implode. Mutual funds rarely (never) do.
[2] These days, it makes little sense for anyone to invest via a distributor and lose money in the form of a lifelong commission. There are tens of fintech apps which allow for direct investing, as do almost all mutual fund websites.
[3 ] The SEBI regulation applies when a distributor “switches” their customer’s money from one fund to another. If the same customer first withdraws their money, then re-invests in the new fund recommended by their distributor, the distributor can then get the new, higher commission. Definitely a more annoying and time-consuming process though.
Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance

I work for a US-based company and recieve RSUs as part of my compensation package. The company sells a portion of shares each time they vest to cover tax (I believe this is charged as income and includes NI for employer and employee).
When I come to sell these, what additional tax will I have to cover? My company aren't particularly helpful in addressing this question and I've seen mixed things online - I assume cap gains will need to be declared on my next self assessment but I'm not certain how this is calculated. I.e. if I were to sell £10k of shares, will I pay 20% of the £4k that is above the £6k cap gains threshold? Or is the calculation based on the value of the shares when they were granted, vested, exercised etc?

WiMi Hologram Cloud ($WIMI) has developed a dedicated system-on-a-chip field-programmable gate array (SoC-FPGA) that performs real-time single-pixel holographic imaging. The SoC-FPGA can be used in a wide range of applications, including IoT and outdoor applications. One specific possibility is the use of topographic satellite surveys for object tracking and building automotive navigation IoT systems.
News showed that the SOC-FPGA is an integrated circuit that combines a CPU and a field-programmable gate array (FPGA) into a single chip. The CPU handles tasks like generating images and initializing holographic displays, while the FPGA, with its flexibility and high performance, does the complex calculations required to reconstruct holographic images.
They believed that this technology can be extended to IoT and outdoor applications. The dedicated specific applications also include implementing topographic satellite surveys, which can be used for object tracking and building automotive navigation IoT systems.

Hey dudes & dudettes,
we're importing a whole bunch of data from a secondary helper sheet to calculate the final values in our main sheet.
However we sometimes have the issue that the IMPORTRANGE from the helpersheet stops working or simply refuses to load new data (Thanks Google I guess).
That is why we would like to cache values so that even when they are not loaded we have at least some older cached values as fallback.
Did anyone ever build something similar or has some ideas how to do it? I thought about adding some checkbox that allows us to update values as a gapstop to prevent overrides, but so far all my attempts have been somewhat unsuccesful.
Cheers

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

I never met my birth parents. They both died on a job when I was a baby, and I went into foster care. I didn’t have any interest in knowing anything about them; my adoptive parents are the ones who raised me.
However, everything changed a week ago when a group of men came knocking at my door. They wore what looked like military uniforms, but instead of the usual green, they wore a distinct red color instead. They loaded me, along with my foster parents into an unmarked matching red van. We were rushed to a farmhouse on the opposite side of Washington where the facility was heavily guarded with intimidating men and unfamiliar machines that appeared like they required several men to operate.
Being an IT major, I had no knowledge nor interest in these things. I’m not a runner, fighter or a strategist, so I couldn’t fathom what they wanted from me.
They relentlessly interrogated me for three days, bombarding me with questions and then, when they concluded that I was blissfully unaware, intimidated me with frightening information. Dumbfounded, I soaked in every ounce of knowledge they offered me. The new knowledge I gained made me see my parents in a new terrifying light. I couldn’t help but feel more resentment, adding on to the existing resentment I harboured. My parents not only betrayed themselves, but me as well and part of me feared that I would never be safe again. I couldn’t help but feel manipulated. They were long gone, but their past still controlled my fate.
I was eventually uprooted to a secondary protective facility, one in which I was not permitted to know the location of. For my own safety, they assured me. Once settled, they supplied me with new electronics and destroyed my old ones. They warned me that I was to stay under the radar, completely untraceable. Again, for my own protection. I was confident that given my knowledge of IT, software engineering and cyber security, I would remain unseen and untraceable to anyone who might be hunting me.
Now that I am sure I am safe, I can finally write this message and warn anyone connected to the initial bloodlines involved. It is crucial for my message to reach you.
The story begins with my biological grandfather. He worked for a branch of the government closely related to NASA. Following the moon landing there was a great deal of classified developments that the population was oblivious to. The department my grandfather worked for protecting the world against extra-terrestrial threats or extra-terrestrial terrorism as they described it.
Paranoia gripped them after the moon landing and they took drastic measures to prepare. Five years later, they deciphered the first communications and signals from frequencies previously unknown to them. These signals were so powerful that they destroyed entire systems, disrupted the power grid and took down entire radio stations. This special branch of government discovered they could tap into these signals which revealed that our galaxy has been under constant surveillance. This was ironically discovered by extra-terrestrials working within this branch, tasked to monitor and prevent extra-terrestrial terrorism on a much larger scale.
At this point in their story, the soldiers were reluctant to divulge more. Insisting that they already revealed too much. But I demanded full transparency, refusing to cooperate with their equivocation. It was essential that I know my involvement in these matters. So, they continued, placing a huge box in front of me, overflowing with papers. They swiftly unveiled its contents to me, Stacks of documents and old tapes they tossed onto the table, one after the another.
The documents contained, amongst others, details of weapons the organisation, known as ESA were crafting and testing along with formulas to create immensely powerful weapons. They used advanced calculations to try and manufacture better equipment that could be sent up to space. They were doing this undisclosed, to monitor and learn as much as they could.
The ESA spent millions designing and building a spacecraft to contain their equipment, if the situation ever called for it. It is still a work in progress. All of this is actively happening, the documents and footage stamped up until a week ago.
I opened a document with a list of classified individuals who had this information. Presidents, EU members, a handful of the rich and powerful, who used this information to design and construct underground bunkers, granting that, if anything were to ever happen, they’d be prepared. These aren’t a new concept though, the extremely rich and powerful have been known to publicly sponsor new technological advancements. Well some may think this gave them the upper hand, it eventually proved their foolishness.
The following is what I saw in the most crucial videos:
Video 1: dated 1975 The video opens in an empty cell, appearing to be a reinforced holding chamber. At first, the room is dark, then the spotlights switch on, illuminating the centre of the room. Now in the light, I could clearly make out what looked like a reinforced metal wall with chains protruding from it. The focus shifts to the back of the room where a large door opens and something is dragged in a sheet, concealing its identity, and tied down with thick chains. The video ends.
Video 2: June 1975 I saw about 20 armed men entered the room and start to unwrap the sheet from what they hauled in. After several minutes of unwrapping, the identity of the thing they brought in is revealed.
There seemed to be a glitch in the recording, at different points in the video the screen was covered in static. The sound was muted, and the figure was hard to make out. It appeared that the creature was attempting to change shape, vibrating as if to phase into a different shape. Despite its best attempts, it remained unsuccessful and reverted back to its original form. .
Video 3: the very next day wnd June 1975
The video opens with the creature fully in focus. Within the 18 hours of footage, the creature is constantly seen attempting to change form. It fails every time, but that doesn’t prevent it from trying again. It looks like a blur, occasionally a second head or what appears to be a human hand. It’s apparent the creature has shapeshifting abilities.
The next 200 videos are identical. To the naked eye, it seemed like a loop. But it wasn’t. The creature was, however, relentless in its attempt to free itself or escape.
Video 204: October 1975
This time the alien appeared to be asleep, head limp and no movement. This video had sound, but it was accompanied by a high pitch buzz that made my ears hurt. At the six-hour mark, the faint cry of a baby can be heard before gradually escalating into full-blown screaming.
At first I suspected that one of the scientists had brought their child along, but the agents assured me the crying was coming from the creature. As the video progresses, the cries grow louder and more demanding, eventually accompanied by a deep voice. Close to the end of the video, 22 hours in, multiple voices begin to scream simultaneously, causing everything to shake.
The documents show that, after this incident, the cage was reinforced. The next few videos are static, proving that the creature has the uncanny ability to manipulate video and disrupt frequencies.
Video 340 February 1982
The creature, with its brown discoloration, possessed crocodile like scales and an eagle like head, but it was entirely reptilian in nature. It stood at a whopping 12 feet tall and was covered in an unknown slime like substance.
The chains were substantially thicker than they were years earlier, and the cage has been fortified. It looked like a different room altogether.
The agents explained that the creature got loose and attacked 12 soldiers, absorbing them into itself instead of merely killing or eating them.
The creature was taken to Nevada, close to the desert, where a strong armoured underground structure had been constructed, far from civilization. The facility has been equipped with high level security precautions which allowed sections of the building to be sealed off and rigged to explode, guaranteeing that, if necessary, the building would collapse in on itself, trapping the creature within its cage, underneath the rubble.
The creature mirrored the image I conjured up in my head when I pictured the devil; brown, scaly, a demonic voice. The eyes were its most terrifying feature, shaped like that of a reptilian, but blood red. I counted 4 horns on its head, and it bore a pair of nasty fangs. Its feet bore the resemblance of a dinosaur, but it lacked a tale. Once the creature was no longer phasing in and out, it settled on a more consistent appearance, one that was easier to recognize.
Video 341 February 1982
This video marked the first appearance of my grandfather. He entered, along with four other men in lab coats, carrying a large syringe, approximately the size of my arm. He stuck it into the beast’s heart, causing it to instantly fall into a deep sleep. He proceeded to connect various machines onto the slumbering creature, attaching electrodes to its head and chest which were linked to a sizeable computer or something that resembled a computer. The video cuts off after this, leaving us to guess what occurred next.
Video 343 February 1982 The lights in the room were far brighter than before, and it once again lacked the presence of sound. The reason for this remained unknown.
Within the room stood a table filled with an assortment of equipment that appeared to be severely damaged. The lights flickered at intervals, and the creature began to phase in and out once more. This made it difficult to distinguish its appearance amid the static moments and blurred movements. The scientists observed the creature a safe distance away.
The scientists were relying on a certain frequency they discovered to keep the creature at bay. It seemed to produce positive results for the next few videos.
The videos that followed held a similar pattern. The creature remained silent, wired to machines while people came in and out taking notes or the occasional blood or slime sample. The creature remained composed, not once attempting to shift or escape again.
According to the agents’ records, everything proceeded as planned. My grandfather welcomed his first son, my father in 1975, he subsequently resumed his project until his resignation in 2008 when he was 55. A year later, he had a fatal heart attack, my grandmother following soot. My father was 34.
My father and his younger brother began working for ESA in 2004, when they were 28 and 24. New technological advancements introduced better cameras and electronic equipment for testing purposes. Since the technology became so advanced, their visits to the cage became as infrequent as once a week, or even less often. With new needles, enhanced equipment and upgraded data collection, the project transferred to electronic records ushering changes in the filing system.
While we waited for my transportation, they shared more classified documents. According to the notes, the once wild and violent creature was now unrecognisably tame and responsive, even answering questions. It remained unclear whether they had intentionally provoked it or stumbled upon a means to subdue it.
The circumstances surrounding my birth were strange. My dad impregnated a college classmate, and they made the mutual decision to put me up for adoption since neither of them had the desire to raise a child. My mother was studying biology and my father, a young genius physicist that found it hard to understand basic human interaction as it was. According to my foster parents, I was born in 2000, but the data I was presented proved I was born two years prior. This revelation had a more profound effect on me than anything else I’d seen.
Regardless, I was immediately given up for adoption and my existence was all but forgotten about. My adoptive parents moved to Iowa, and that’s where I lived up until 2018 when I left for Harvard. I always wondered what my birth parents were like. My adoptive parents told me I was a genius and speculated that I inherited my brain from somewhere. It’s an uncanny feeling; the knowledge that every aspect of my life was monitored.
The videos documenting the creature continued for the next 6 years. It became routine, apart from the indistinct chatter from the observing scientists and other government employees. There were no other sounds, incidents or noteworthy occurrences.
The tests revealed that the creature’s biology was predominantly alien, with no genetic material in common with humans. The scientists highlighted the alarming fact that the creature’s DNA was ever changing, resulting in frequent sample collection and analysis.
They concluded that, the creature was still a baby at the time of capture, which made it easier to contain. They did, however, underestimate its shocking growth rate which resulted in the deaths of the 12 soldiers’ years prior. At the time, it was still in its adolescent phase. Further research uncovered that the creature had the unique ability to absorb the genetic material of the men it came into contact with. The more humans it absorbed, the more diverse its gene pool became. A portion of the genes obtained gradually became more similar to those observed in humans. It’s as if the creature dove into an immense pool of genes and, as it absorbed more humans, its genetic makeup gradually began to adopt more human like qualities. Although difficult to comprehend at first, the basic explanation is that with every absorption of genetic information, the creature’s genetic composition seemed to evolve, storing human qualities within its own gene and gradually becoming more human-like That is my understanding of it.
Which brings me to the final video they have. Prepare yourselves.
Video: mov5078436b The creature behaved normally before viewing was disrupted by static. Among the sudden legion of voices, it echoed my father’s name, simultaneously expanding in size which causes the surroundings to convulse. Alarms resounded, piercing the silence as the creature tugged at its chains, cracking the floor ceiling in its attempt to break free. An ear splitting roar escaped its mouth as hordes of armoured soldiers rushed the cage, massive tasers in hand. They zapped the creature at maximum voltage as it continued to roar, lights flickering excessively. The camera feed is interrupted again by bouts of static.
A second group arrived, armed heavily with guns, increasing the crowd to a total of 30. The gunfire was so severe that it affected the video’s audio. One of the chains bound to the roof of the cage had already broken loose by the time the third group of soldiers arrived. This group carried a machine emitting bursts of fire, which had no effect on the creature aside from antagonizing it. It releases a powerful blast from its hand, causing the room to tremble which shattered the bulletproof glass into millions of pieces and sent the men flying across the room. Both of the creature’s hands were now free, and it began to morph.
Finally, a third group arrived in heavily armoured suits, unlike anything I’ve ever seen before. They wielded lasers and what appeared to be a concentrated lightning gun. I was grateful they hadn’t made use of nuclear weapons which would have wiped everyone out. After every attempt, the creature remained standing. Now it was his turn.
The creature freed itself from the remaining shackles and unleashed a blast with both its hands. All that was left of the solders was a gruesome mess of blood where they stood. The air filled with a haunting scream that echoed throughout the halls. The creature released a menacing growl in the form of words that sent chills down my spine, “Dennis McCarthy”, my father’s name.
Right before the camera blacked out, I could have sworn he was in the brink of morphing into a human form, but the recording was cut short by the thunderous detonation of explosions that sent the building into destruction, burying the truth within its rubble.
The scientists, including my dad, were taken by the ESA (extra-terrestrial security agency) and hidden in a heavily guarded underground haven. They were issued new identities and relocated, which isn’t a new concept for the government.
As far as the drones’ visual feed could capture, the entire operation was terminated, leaving behind the collapsed and buried ruins of a facility that was once fully functional. It was under strict surveillance for any signs of life, but as the years rolled by, complacency set in, compromising their once strict security measures.
My father, uncle and the rest of the scientists assumed new lives and identities. As far as the rest of the world was concerned, they were dead.
In 2010, an unexpected interruption occurred. Reports indicated that the drones simultaneously malfunctioned, and the video feed erupted into static. A team arrived at the site to find it disrupted, all the drones lay in scattered heaps across the landscape.
Before anyone could investigate or react, all communication with the agents safeguarding the scientists was abruptly terminated. One be one, the connections were severed, leaving them permanently unreachable. When they reached my father’s safe house, they were greeted with his spine-chilling absence. He had vanished without so much as a trace that he had ever been there to begin with—no signs of struggle or any shred of evidence left behind. He was lost in an infinite void of mystery. The only indication that something was amiss was the eerie blue glow invading the monitors moments before blackout. The only accurate word for it would be ‘suction’, leading the team to believe that they had been absorbed. It remained a speculation, though plausible enough to send waves of panic up their spines.
As we speak governments around the world have been swept up into the desperate search to locate the alien as well as training an elite group of drone pilots and soldiers in an attempt to confront and defeat the elusive entity. Furthermore, every effort at locating surviving relatives of the missing scientists, including my father, had fallen short. They too had vanished into an infinite cloud of mystery, not one left unscathed to provide answers.
Considering the site’s altered state, the complete destruction of the drones and the fact that the creature they had held captive was constantly evolving, they were profoundly aware of the unravelling truth.
I am the sole living descendent of the scientists that worked for ESA. The creature has made it his mission to eliminate any and all traces of their existence. This is the sole reason I was upended from my life and relocated to a heavily guarded facility, and this is the reason I feel compelled to share their stories.
I couldn’t comprehend why the creature would hunt me since I didn’t share the sins of my father, but I felt paranoid and vigilant regardless. I couldn’t help but feel compelled to look into the disappearances myself, perhaps due to some lingering hopes that the information was wrong. My pursuit for answers turned up nothing, not even social media accounts. It was as if any trace of their existence was utterly obliterated, there was no digital footprint left.
The reason I am now convinced beyond a shadow of a doubt that my life is in danger is because I have started catching glimpses of subtle movements in my peripheral, a shadowy figure lurking around the premises, disruptions in the signal of my appliances, even the phone I am using right now.
Call me foolish for even relying on the very technology that might lead to my demise, but I felt compelled to warn anyone else who might be a descendent of the team that worked for ESA: project corrosion.
If you’re aware then heed my words and flee. If you are unaware, observe the news for any sudden or unexplained disappearances, and I regret to inform you but, if you come across the creature then it’s too late.
Stay safe my friends