You'd have had to be living on a desert island with no TV, newspaper or internet connection to have missed hearing about the great mutual fund scandal of 2003.

The issue was that some mutual fund companies allowed certain hedge funds to engage in after-hours trading, sometimes incorrectly referred to as market timing. Unfortunately, some companies have used the confusion about the term "market timing" to further their own cause. How?

They have used this issue to pretty much ban all forms of trading their funds, and some companies are imposing hefty short-term redemption fees--penalties for all intents and purposes--in the name of avoiding impropriety. But the real idea behind it all is: Buy our fund and never sell it!

These companies advocate a stubborn Buy & Hold philosophy despite the devastating effects that approach had on investors' portfolios during the recent bear market. Performance is immaterial to them--they want your money in their fund whether it's going up or down.

With all of the negative press over the months you'd think that mutual fund companies would have cleaned up their act and started giving more consideration to the individual investor. Not so.

This was brought home to me when a fund manager of an $800 million mutual fund called me to see what my plans were in respect to holding our positions with his fund (about $2 million).

I explained my trend tracking methodology and he got very angry when he heard I would protect my clients' accumulated profits by selling his fund if it were to drop 7% off its highs.

His blustering made it quite clear that he did not like anyone managing for the benefit of their clients; he only cared about what was best for him and his company.

So, what can you do to prevent being taken advantage of? For one thing, do what your mutual fund company does -- not what they tell you to do. Adopt a strategy for following trends, such as I do, and use the mutual fund manger's superior stock picking ability to your advantage by buying and holding only as long as the fund is performing well.

Remember, the fund manager has one big disadvantage over you: He always "has to" be invested so that the public can purchase shares in his fund. You don't!

If market conditions dictate that you are better off in the safety of a money market account because we are in a severe downtrend, then you can take your money and run for cover. He can't. He is constantly trying to adjust his portfolio to ever-changing economic conditions so that his potential losses are minimized. At the same time you are being told that his fund is the investment for all seasons. Don't fall for it!

You as an individual investor are really in the driver's seat. Unfortunately, you have probably been conditioned to think that Buy & Hope is a good investment strategy, when in fact it is a losing proposition.

Bottom line is, use a well performing mutual fund during strong up trends and get over to the sidelines during trend reversals. (That's exactly what I did for my clients in October, 2001, and we retained the lion's share of their profits while Buy & Holders kept insisting the emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses.

Ulli Niemann is an investment advisor and has been writing about objective, methodical approaches to investing for over 10 years. He eluded the bear market of 2000 and has helped countless people make better investment decisions. To find out more about his approach and his FREE Newsletter, please visit:

મહત્વપૂર્ણ લિંક

*Online Course On "Cyber Hygiene Practices"In Collaboration With CIET-NCERT And ISEA COURSE 1માં જોડાવા માટે અહીં ક્લિક કરો

Start Date: 5 December 2021

End Date: 28 February 2022

Catch the Rain'

Start Date: 11 December 2021 

End Date: 31 March 2022

Course link:  Click Here

AnswerKey link:  Click Here

Start Date: 11 December 2021 
End Date: 31 March 2022

Click here to download Answer key મોડ્યુલ 5 Answer key

તૈયાર અહેવાલ ડાઉનલોડ કરવા અહીં ક્લિક કરો

🆕🛑મોડ્યુલ 6 જવાબો માટે અહીં ક્લિક કરો

ન્યુ લેટેસ્ટ 5 અને 6 અહેવાલ માટે અહીં થી જુઓ

નિષ્ઠા 3.0 માં જોઈન થવા માટેની લિંક
  1. GJ_1_FLN મિશનનો પરિચય(NISHTHA FLN) કોર્સ મા જોડાવા માટે અહીં ક્લિક કરો
  2. GJ_2_ક્ષમતા આધારિત શિક્ષણ તરફ પ્રયાણ(NISHTHA FLN) કોર્સ મા જોડાવા માટે અહીં ક્લિક કરો
  3. NISHTHA મોડ્યુલ – 3 અધ્યેતાને સમજવા
  4. NISHTHA મોડ્યુલ – 4 પાયાની સાક્ષરતા માટે માતાપિતા અને સમુદાયોની ભૂમિકા
  5. GJ_5_‘વિદ્યાપ્રવેશ’ અને ‘બાલવાટિકા’ ને સમજવા(NISHTHA FLN) really interesting and helpful on DIKSHA.
  6. GJ_6_પાયાની ભાષા અને સાક્ષરતા(NISHTHA FLN) really interesting and helpful on DIKSHA

How to join Nishtha Online Talim?

  • 1st Step: In Diksha App or Website, select “Courses” at the bottom.
  • 2nd Step: Select the three-line icon at the top right corner to filter results
  • 3rd Step: In filter, click on “Organization”
  • 4th Step: Select Gujarat
  • 5th Step: Select the course that you want to Join
  • 6th Step: Click on “Join Course” and start taking the course.


NISHTHA મોડ્યુલ - 3 GJ_3_અધ્યેતાને સમજવા : બાળકો કેવી રીતે શીખે છે? (NISHTHA FLN) કોર્સમાં જોડાવા માટે અહીં ક્લિક કરો.

NISHTHA મોડ્યુલ - 4 GJ_4_પાયાની સાક્ષરતા અને સંખ્યાજ્ઞાન (FLN) માટે માતાપિતા અને સમુદાયોની ભાગીદારી (NISHTHA FLN) કોર્સમાં જોડાવા માટે અહીં ક્લિક કરો.

દિક્ષાના મોડ્યુલ નંબર 5 અને 6ની લિંક*
*ગુજરાતી મીડીયમ*

*મોડ્યુલ 5*
GJ_5_‘વિદ્યાપ્રવેશ’ અને ‘બાલવાટિકા’ ને સમજવા(NISHTHA FLN) really interesting and helpful on DIKSHA. Click here

*મોડ્યુલ 6*
GJ_6_પાયાની ભાષા અને સાક્ષરતા(NISHTHA FLN) really interesting and helpful on DIKSHA. 

દિક્ષાના મોડ્યુલ નંબર 5 અને 6ની લિંક

*ગુજરાતી મીડીયમ*

*મોડ્યુલ 5*

GJ_5_‘વિદ્યાપ્રવેશ’ અને ‘બાલવાટિકા’ ને સમજવા(NISHTHA FLN) really interesting and helpful on DIKSHA. https://diksha.gov.in/explore-course/course/do_31341939121581260812940?referrer=utm_source%3Dmobile%26utm_campaign%3Dshare_content

*મોડ્યુલ 6*

GJ_6_પાયાની ભાષા અને સાક્ષરતા(NISHTHA FLN) really interesting and helpful on DIKSHA. https://diksha.gov.in/explore-course/course/do_31341940094551654412963?referrer=utm_source%3Dmobile%26utm_campaign%3Dshare_content

App highlights

High-school section below

માધ્યમિક અને ઉચ્ચતર માધ્યમિક શિક્ષકો અને આચાર્યો ને નિષ્ઠા તાલીમ 10 થી 12 વેકેશન માં પૂર્ણ કરવા અંગે.


*Course 10*

GJ_શાળા આધારિત મૂલ્યાંકન(NISHTHA Sec) DIKSHA https://diksha.gov.in/explore-course/course/do_31339790418239488016038?referrer=utm_source%3Dmobile%26utm_campaign%3Dshare_content

*Course 11*

GJ_શાળાશિક્ષણમાં પહેલ(NISHTHA Sec) DIKSHA https://diksha.gov.in/explore-course/course/do_31339738620631449612735?referrer=utm_source%3Dmobile%26utm_campaign%3Dshare_content

*Course 12*

GJ_રમકડાં આધારિત શિક્ષણશાસ્ત્ર(NISHTHA Sec) DIKSHA https://diksha.gov.in/explore-course/course/do_31339737883692236815675?referrer=utm_source%3Dmobile%26utm_campaign%3Dshare_content

100% of the difficulties in taking any course in Diksha App.  Solution Which of the following is your problem?  Diksha App yadlatel.   Profile is not updated in Ji Diksha App.   Diksha App does not join the course.  The course in FF Diksha App does not show progress.  No single module opens in Diksha App?  Diksha App does not show 100% progress once the course is completed.   Certificate is not downloaded after completing the course in #Diksha App.  Miss Shows Missing Pdf in Certificate Download in Diksha App.  Diksha App shows full data that  Diksha App is not updated.  Problems in Diksha App in a single mobile that comes with more USER Add than HI that: Mobile is not supported with Diksha App.   Diksha App slújoin date yola vel sd yel szami vaal problem.

♦️🆕🇱 🇮 🇻 🇪 

*🧑🏻‍🏫નિષ્ઠા 3.0 તાલીમ કોર્સ 1,2 અંતર્ગત ટેલીકોનફરેન્સ*

*મોડ્યુલ 1*

યુ ટ્યુબ લાઈવ જોવાની લીંક⤵️


👉સરકારી, ગ્રાન્ટેડ, ખાનગી તમામ પ્રા. શાળા ના શિક્ષકો માટે ગુજરાતી, અંગ્રેજી ,હિન્દી, ઉર્દૂ તમામ માધ્યમ માટે

NISHTHA 3.0 Join LINK Below 

(1) GJ 1 Mission Parichay

(2) GJ 1 Mission Parichay Place Holder

(3) GJ 2 Xamata Adharit Sixan

(4) GJ 2 Xamata Adharit Sixan Place Holder


Through Mandal Std. 1-12 Gujarati Medium textbooks are published. Thereafter in Hindi, English, Marathi, Sindhi, Urdu, Sanskrit and Tamil Language also text books are published.
Teachers are great sources of knowledge, prosperity and enlightenment to which anyone can be benefited for whole life. They serve as the real light in everyone’s life as they help students to make their ways in the life. They are the God gifted people in everyone’s life who lead us towards success without any selfishness. Really, we can call them as builders of the dazzling future of our nation through education.

Teacher plays very essential role in the field of education who teaches students very nicely to be a person of good moral and behaviour. They make students academically superb and always encourage to do better in the life. They equip students with lots of knowledge, skills and positive attitudes so that students can never feel lost and go ahead. They help students to get sure about their goals of education through clear vision and ideas. Without teachers in the life one cannot grow mentally, socially and intellectually.
Diksha App solutionin date yola vel sd yel szami vaal problem

ધોરણ 1 થી 5 ના શિક્ષકો અને આચાર્યોની તાલીમ અન્વયે ટેલીકોન્ફરન્સ નિહાળવા બાબત 

Date: 1/10/2021

Time: 12:00 PM

પરિપત્ર વાંચવા અહીં ક્લિક કરો.

Channel: Vande Gujarat No-5

NCF - 2005 and is currently working to establish relationships with applied learning outcomes, curriculum expectations and academic classrooms / situations.  IMPORTANT NOTE: The KRP, attached to the instructors and the training, is expected to engage the trainees during training and engage in training and participation in the training.  India is a multicultural society made up of many regional and local cultures, people's religious beliefs, lifestyle and understanding of their social relations are different.  All communities have the same right to co-exist and evolve and the education system has to collectively help preserve this cultural heritage.  General Chat Chat Lounge  General Chat Chat Lounge

Summary of the Unit Various units can be summarized on the basis of topic.  Exercise assignments: Pre-booking assignments given to those quickly dependent on the unit after presentation of the shown task, part of the virtual study hall: the instructor can demonstrate the understanding and understanding of the neighborhood in a good way, that is, any great class  There may be a section in the Mimicry Homeroom case.  

Should it be possible to create a mental picture?  Mental depiction of the students should be possible.  Interaction during instructional task: While teaching the teacher can check from time to time as per the requirement, present different figures on the skin at a particular time as per the requirement.  Doing so intelligently can make the process of learning more compelling.  Distance Learning Capability Mart class can be used as a successful medium and tool in distance education.

The data can be reused.  Can computer generated reality be created?  Augmented reality can be created on the skin to show every single geological and general simulated miracle.  Scientific examinations can be shown uniquely by creating a virtual trial school on the skin, a striking exhibition of investigations.

 After all these report writing tasks were completed, it was planned to submit a report writing file for the purpose of CRC Co-ordinator so that All the files go to the district education training building and each teacher can be properly evaluated accordingly. After completion of the training each module price completed the training online certificate had to be downloaded from the initiation portal. The process of completing the training online was very easy so teachers This was an attempt to complete the training and all the module reporting was simplified


Module 1 Ahewal CLICK HERE

Module 2 Ahewal Click here

Nishtha Aheval Gujarati Module1 to 3 & Word File

Click here to write a module 3 report

Click here to write an October 6 report

Click here to write a module 3 report




Nishtha Aheval Gujarati Module 4 to 6 & Word File

Module 4 Report Writing Template Word File- 1 Click Here

Click Module 4,5 and 6 Quiz Answer pdf

Module 5 Report Writing Word File Click Here

Module 6 Report Writing Word File Click Here



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NISHTHA Talim 3.0 ; Paripatra, Course Link, Module Answers And All Details

NISHTHA Online Teachers Training All Information is Available Here. We Provide All 18 Nishtha Module Link, Nishtha Aheval, Swadhyay karya, Answer key (Javabo) And Videos.  This is A All in one Platform for "NISHTHA Talim"

Nishtha Talim Aheval & Swadhyay Karya

NISHTHA Module Links

(નિષ્ઠા તાલીમમાં જોડાવા માટેના મોડ્યુલની લિંક)

  1.  શિક્ષકે https://diksha.gov.in/explore ના માધ્યમથી નિષ્ઠા ૩.૦ (FLN) કોર્સમાં જોડાવવાનું રહેશે.
  2. હું DIKSHA કેવી રીતે ઇન્સ્ટોલ કરી શકું? ?  ::- અહી ક્લિક કરો
  3. હું મારા લેપટોપ અથવા કોમ્પ્યુટર નો ઉપયોગ કરીને DIKSHA પર કેવી રીતે સાઇન-ઇન અથવા નોંધણી કરાવી શકું ? :-અહી ક્લિક કરો
  4. હું મારા Android ફોનનો ઉપયોગ કરીને DIKSHA પર કેવી રીતે સાઇન ઇન અથવા નોંધણી કરાવી શકું?:- અહી ક્લિક કરો
  5. એન્ડ્રોઇડ ફોન પર DIKSHA અભ્યાસક્રમો કેવી રીતે લોગીન અને વપરાશ કરવા?:- અહી ક્લિક કરો
  6. લેપટોપ અથવા કોમ્પ્યુટર પર DIKSHA અભ્યાસક્રમો કેવી રીતેલોગીન થવું  અને વપરાશ કરવા? :- અહી ક્લિક કરો

NISHTHA 3.0 (FLN) Talim

👉 Module-1 ના જવાબો જુઓ

👉 Module-2 ના જવાબો જુઓ

નિષ્ઠા 3.0 તાલીમની અહેવાલ ફાઇલ ડાઉનલોડ કરો. મોડ્યુલ 1 થી 12 ના તમામ અહેવાલ આ ફાઇલમાં લખી શકાશે. 
  • અહેવાલ ફાઇલ ફ્રોંટ પેજ
  • અહેવાલ ફાઇલ અનુક્રમણીકા
  • અહેવાલ ફાઇલ મોડ્યુલ વાઇઝ ફોર્મેટ

નિષ્ઠા 3.0 અંતર્ગત અહેવાલ  

NISHTHA Talim- 1

● Module-1 : Click Here

● Module-2 : Click Here

● Module-3 : Click Here

● Module-4 : Click Here

● Module-5 : Click Here

● Module-6 : Click Here

● Module-7 : Click Here

● Module-8 : Click Here

● Module-9 : Click Here

● Module-10 : Click Here

● Module-11 : Click Here

● Module-12 : Click Here

● Module-13 : Click Here

● Module-14 : Click Here

● Module-15 : Click Here

● Module-16 : Click Here

● Module-17 : Click Here

● Module-18 : Click Here

NISHTHA Talim Test (Quiz) Answers

(નિષ્ઠા તાલીમના ઓનલાઇન ટેસ્ટ (પ્રશ્નોત્તરી) જવાબો ની લિંક)

● Module-4 : Click Here

● Module-5 : Click Here

● Module-6 : Click Here

● Module-7 : Click Here

● Module-8 : Click Here

● Module-9 : Click Here

● Module-10 : Click Here

● Module-11 : Click Here

● Module-12 : Click Here

● Module-13 : Click Here

● Module-14 : Click Here

● Module-15 : Click Here

● Module-16 : Click Here

● Module-17 : Click Here

● Module-18 : Click Here

The teacher has to fill up a self-declaration form on the loyalty portal to join the online course otherwise he will not be able to join the course.  The details of this registration must include the name of the district, taluka, caste, name of the school, teacher code.  All the teachers of your district on the initiation portal.  You are therefore asked to provide the necessary instructions from your level to register by September 30, 2021.

◆ CLICK HERE TO JOIN આપત્તિ તાલીમ Diksha

◆ Click here to Join Pragya Talim

The training on Diksha Portal is designed for compulsory teachers so that every primary teacher indirectly prepares the child to impart current knowledge and understanding of the subject matter. Follow-up i.e. third party verification is required. It is also important to know from the parents of the child whether the child is actually watching the video of home learning or not. It is very important to do such a study one day. 

- Online self-defense training can be connected through Diksha Portal.

નીચે આપેલ લિંક ઉપર ક્લીક કરવાથી કોર્ષ પર જઇ શકાશે.

કોર્ષમાં જોડાવવા માટેની લીંક 

ધો.-૬ થી ૧૨ ની તમામ દીકરીઓને સપ્ટેમ્બર-૨૦૨૧ સુધીમાં તાલીમ મેળવે તે સુનિશ્ચિત કરવું.

અગત્યની લિંક

યોગ શિક્ષણ તાલીમ માટે અહીં ક્લિક કરો.

Date 1/10/2021 બાયસેગ તાલીમ નિષ્ઠા 3.0 અગત્યના મુદ્દા

નિષ્ઠા તાલીમ ધોરણ 1 થી 5 ના શિક્ષકો તેમજ આચાર્યો માટે લેટેસ્ટ પરિપત્ર તારીખ 23/9/2021

નિષ્ઠા તાલીમ ના અહેવાલ લખવા અને જમા કરાવવા બાબત GCERT નો આજનો(૦૪/૧૦/૨૦૨૨) લેટેસ્ટ પરિપત્ર વાંચવા અહીં ક્લિક કરો

 Nishtha 3.0 Answer Keys

પ્રથમ મોડ્યુલ ના જવાબો મેળવવા અહીં ક્લિક કરો

બીજા module ના જવાબો મેળવવા અહીં ક્લિક કરો

મોડયુલ ત્રણ અને ચાર ની answer કી કે નીચે આપેલ છે

 Now Schools heads & officials


નિષ્ઠા 3.0 માં જોઈન થવા માટેની લિંક



Nishtha 3.0 Answer Keys

Module 1 Click Here

Module 2 Click Here

Module 3 Click Here

Module 4 Click Here
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