This unique feature is not available in diversified mutual funds and that makes balanced funds more suited for retail investor. This option is used to generate a report on the interest paid on delayed collection of cheques. Secondly although I see these items on the Website I don't appear to be seeing the management giving lots of interviews re the progress being made in various areas and it seems hard to undersatnd why they don't do this.
How to Compute Income Taxes in the Philippines (using old BIR Tax Rates)
This option is used to obtain a list of instruments put through outward clearing for a particular date. This option is used to inquire into the credit part transactions of outward clearing instruments.
The offline transaction inquiry option allows you to inquire on financial transactions that have taken place within a specified period. This option allows you to inquire on partitioned accounts and print a report showing details of the account. This option allows you to print a report that gives details on the budget, the expenses and incomes, and the profitability of the bank as on a particular date.
This option allows you to print a report that gives details on the budget, the expenses and incomes, and the profitability of a branch as on a particular date. This option allows you to print a report, which gives complete details on the budget, the expenses and incomes, and the profitability of the HO as on a particular date. This option generates a report of all PCA type of accounts based on the criteria selected.
This option is used to generate reports on balance of the packing credits in foreign currency PCFC accounts. This option allows you to calculate interest on regular packing credit accounts alone based on the criteria. This option is used to generate a report of all the liabilities of the packing credit accounts as per the criteria selected.
This menu option allows you to maintain post dated cheques submitted for an account towards repayment of the loan. Using this option, you can only modify and inquire on the post dated cheque Centres. This menu optionallows you to recover the installment amount from the common PDC office account or operative account and credit the loan accounts, in a batch.
This menu option allows you to lodge post dated cheques for a particular installment, in a batch. This option allows you to view, and print details of instruments lodged in an inward clearing zone. The menu option allows you to lodge exceptional post dated cheques. Exceptional post dated cheques are the cheques that had bounced.
This option is used to inquire on the details of a partitioned account and print the partition history details. This option prints a list of all the instruments, along with the part transaction details, for a selected zone. This option is used to create new public issue codes and maintain details for existing ones.
This option allows you to generate dump reports of all profit and loss records of head office accounts for the given criteria. This option is used to obtain a list and inquire into RD accounts which have pending installments.
This option gives details of the bills covering the schedule that is to be sent to a foreign correspondent bank. The PPT option allows you to proxy post all the transactions, which are in the partly posted status. This option generates a report, that includes all guarantees that are invoked, marked as invoked, whose margin percentage is not , that have expired, whose grace period expires on the As on Date specified.
This option generates a report that, includes all guarantees whose guarantee amount is greater than the amount specified in the Guarantee Amount Low field. The report may include DPGs. This option generates a report, that contains Deferred payment guarantees and a summary of all guarantees that are less than the specified amount.
This report gives details of sanction limits granted to customers accounts in each sector. This option is used to generate a report of all overdue packing credit accounts listed sectorwise. This option generates a report, that gives a list of all rejected cheques and the reason for which it has been rejected. This option is used to generate a report that lists the packing credit accounts, for which payments are irregular, as per the criteria specified.
This option generates a report that, gives the daily cash position in the bank for a specified period. This option generates a report that, gives details of Deferred Payment Guarantees DPGs that have been issued to customers. This option generates a report in which sanction limits that are granted by the sanctioning authority and, expiry dates of the limits, are reported. This option allows you to generate a consolidated report as on a particular date. The input file that contains the data and the format file defined using the Mahareport should be specified before the report is generated.
This option allows you to inquire into the entries made in the print queue table using the Background Menu. Using this option, you can: This option allows you to generate reports of balances at the GL level. You can print subsidiaries like the daybook, general ledger summary, the Friday statement to be submitted to the RBI and other relevant subsidiaries of the branch.
This option allows you to put entries of all transactions involving non-home currency on purchases and sales for a particular service outlet into the Purchase and Sale Transaction PST table. This option will by default not generate PST entries if both the legs of a transaction are in the same currency.
You can print subsidiaries like the daybook, general ledger summary, Friday statement to be submitted to the RBI and other relevant subsidiaries of the branch. This option is used to print the pass sheet for a specified account.
Using this option you can print pass sheets either for the principal customer only or for all the customers associated with the account. This option generates a report that gives a list of deposits, loans, details of interests paid and collected during various periods. This option generates a report that comprises of two parts: This option generates a report that classifies deposits and advances according to the interest rate.
This option allows you to generate a report on the distribution of funds among various industries and the advance given to each organization in a particular industry, for a given date, one or all the service outlets.
This option generates a report that gives a detailed statement on loans disbursed towards agricultural purposes. It gives details regarding total demand amount, recovery made against total demand amount, outstanding balances, etc.
This option generates a report that, gives details of sanction limits for accounts that have been opened during a specified period. This option generates a report that gives details of the inflow and outflow of funds on the interest suspense accounts of the bank for a specified period in a particular year. This option generates a report that, gives details of advances granted to specific communities under a particular sub-sector. This option allows you to enter transactions with a future date.
Events, such as posting of cheques bearing a future date, may require to be posted with a value date, which may be a few days later. This option is used to collect charges for a particular business event. The credit part of the charge transactions is set up here. The transaction amount in each of the part transaction can be modified through this option. This option allows you to generate and print consolidated reports.
You can print four types of reports — ATM transactions, LORO messages, requests for cheque books and statements and a failed transactions report.
This option allows you to purge accounts that have been closed on or before a particular date. You can specify criteria for selection of accounts to be purged. This option purges all customer records satisfying the given criteria. After the purge is complete, the system will generate a report giving details of the records that are purged. If the customer has any cross reference, another report giving details of all customers with references in other tables along with the record having the customer reference is generated.
This option allows you to purge export orders. Only closed or deleted export orders that have been verified can be purged. This option allows you to purge the details of the general charges in the GCH table based on the criteria specified. Using this option, you can purge inward clearing zone code table records. This option is used to purge the Standing Instructions for the criteria specified.
At the time of purging, if SIs with cross-references to other tables exist, a report is generated stating the details of the references. Using this option you can remove any old messages or messages that are not required.
This menu option allows you to purge term deposit type of accounts that have been closed on or before a particular date. You can specify the criteria for selection of accounts to be purged. Using this menu option, you can specify selection criteria for purging financial transactions up to a specific date. By varying the criteria, you can use this option for either an ad hoc run or the actual purge.
Using this option, you can purge these audit records. This option deals with different types of passwords and their features, the guidelines for selecting passwords and maintaining them. This option is used to print the outward clearing waste for a selected zone.
This report indicates the details of all the instruments lodged in an outward clearing zone and also the control total classified according to GL sub heads. This option is used only if the NNTM option has been run for generating bill numbers. At the change of the financial year, the bank would like to restart the bill number from serial number 1. This option allows you to do the same. This option is used to inquire on the balances for the various categories to be reported in RReturn. This option generates a report of all accounts from which shortfall amount was recovered.
This option is used to reprint deposit receipts when some details regarding deposit accounts have changed. This option allows you to regenerate flows for deposit accounts after TDS calculation. This option allows you to generate a report of all the cheques rejected at the counter or during clearing operations in your service outlet or all the service outlets belonging to your set.
The option also allows you to generate a consolidated report of all counter rejects for the HO. This option facilitates revaluation of currency. A list of currency combinations can be revalued at the rate specified by the user.
This option is used to revoke instruments which are marked as pending. Shadow balance for pending instruments can be regularized. This option allows you to view interest details of RPC accounts like the interest accrued, interest paid, interest collected, etc.
This option generates a report for interest collected normal or additional interest from Running Packing Credit accounts. This option should be executed before the ABH menu option is executed. This option is used to upload inward clearing data from media, for example, a floppy.
Using this option, you can restrict the modifications on transactions entered using the TM option. Similarly, restrictions created by the system can also be modified. This option allows you to maintain values for all the reports that are possible in Finacle. This option allows the user to maintain various files in a single list for an option, and select a file from that list at the time of execution.
Using this option, you can calculate interest on running packing credit accounts alone. This menu option is applicable only to RPC accounts. The three options available are: Identification of the source of offset credit 2. Dishonored bills which have been used to liquidate PC accounts or disbursements 3. Statement of account for RPC accounts. This option facilitates transaction Maintenance for running packing credit accounts only. This option allows you to inquire into details of reference codes that are set up using the RRCDM option.
Using this option, you can maintain reference codes. These codes are set up at the data center. Flexibility in generating reports is achieved by specifying the range keys to be used for each part of the report. A range key is a set of ranges of report codes. This range can be set using this option. This statement is an RBI report that Indian banks must submit three times in a month the 10th, 20th and last day of the month. Using this option you can set the transaction category code for DDA scheme type.
Using this option, you can download the replication data at Finacle and upload the same to the Central Stand-in Server. This option provides the history of exchange rates between two currencies, for a specified period.
This report gives details of messages that were not translated during the customization process, such as file source type and serial number. Using this option, you can trace the untranslated messages easily. This option also helps to identify new messages added during Finacle upgrade.
This option allows you to delete or inquire upon the users, batch jobs and daemon processes that are in use. Using this option, you can specify criteria by which the system will select assets for classification.
This table stores the HO account details for inter-service outlet transactions of different types, e. The SCST option is used to stop the entry of cash transactions at any point of time during the day. Cash transactions that have already been entered can also be modified. This option is used to print a schemewise breakup of deposit accounts.
All deposit accounts matching the specified criteria for selection are listed and grouped according to the applicable scheme code.
This checks that no further transactions are allowed on the account. Facility is also available to exclude accounts with free code Summaries of files that have been received and created at the branch and the IBR center can be viewed by invoking this option.
This option allows you to generate and print a covering letter for Standing Instructions of utility payments like insurance, that have been executed. This option is invoked when: This option is used to generate a report on all standing instructions that have been executed for the day. The option is used to inquire on Standing Instructions maintained by the system based on the selection criteria. This option is used to add, modify, delete or undelete standing instructions in the table.
A list of the various standing instructions can also be obtained. You can verify standing instructions for which authorization is pending or cancel standing instructions, which are pending verification.
Inquiries are also possible through this option. This option also handles standing instructions in multi-currency and across different service outlets. This option is used to maintain details which include issuing and printing StockInvests, marking StockInvests as lost, activating StockInvests previously marked as lost, modifying the lien on accounts and inquiring into StockInvest details. All reports relevant to the StockInvest module can be printed using this option.
Details relevant for a StockInvest issue are maintained in registers. This option is used to maintain StockInvest registers. This option is used to generate a report on Standing Instructions based on the execution time and frequency.
The SI Register can be generated using this option or by automatically scheduling it through the batch job scheduler. This option allows you to inquire on SWIFT messages generated by the system based on the selection criteria. This option deals with modification and completion of SWIFT messages generated on the occurrence of an event. It also provides a mechanism for resending messages that have been transferred. This is a process process run by the user at a service outlet at the start of each working day.
This process is run by the user at the Service Outlet at the end of each working day. If the Sol does not go online as part of the EOD process, or in case of network failure, you can use this option to switch the Sol to the online mode.
Using this option a SOL can be validated. It is a process run by the central user or a service outlet before invoking EOD. This generates a report where the cheques that are stopped or revoked will be listed.
All proxy posted outstanding system pointing transactions must be reversed to original accounts. This can be done online using this option. This is a batch program through which all proxy posted, outstanding, system pointing transactions are reversed to the original accounts. If the system fails to post the reversal transactions, a report is generated giving the details of the failure or exceptions.
This option facilitates administration of the log files by a trusted user. This option maintains the general parameters for registers or schemes at various levels without modifying the respective tables.
This option allows you to view the details of the records maintained through the SRM option. Using this option reports on charge details, security details, life insurance, fire and vehicles insurance and other registers, can be generated.
Using this option, you can establish the service outlet and Gateway SDS relationship. The following information for a specified range of accounts are maintained: When these statements are not submitted on the due date, the system generates substitute securities after this batch process is run.
This option is used to associate a service outlet or a group of service outlets to a set. This option generates the statement of business position. It gives an insight into the position of the bank as on a given date. This option generates a report that is similar to the STR11 report, except that it can be generated any number of times unlike STR11, which can be generated only once on each notified Friday.
This option generates a report with details of all such advances given to customers. The option generates a report giving the details of distribution of deposits across various accounts. This option generates a report that consists of a list of customers who have availed of advances up to a specified limit. This option allows you to generate a report of all suspect transactions.
You can generate a report of transactions for which the responding transactions have been received but the originating transactions are yet to be received at the IBR center. This option allows you to take a backup of all the data files when users are logged on. This option can be used only if the database is in the archive log mode. Generally, this option is used when the transactions are very low or minimal. The balance download file contains the following information: The details of the cards issued during the day have to be updated in the switch at the end of day.
The information can be updated in the switch in two ways: Both on-line and off-line transactions are logged in the Finacle host. All these transactions are created and posted by the Despatcher process. A standard BFTI report is generated and printed at the end of the process. The report gives the results, if the process is run successfully, else it gives the reasons for failure of erroneous transactions.
All Sparrow transactions are created automatically when the message is authorized, if there is an error in the process, it is reported when the Despatcher is run. This option allows you to maintain a pool of funds for a given customer.
Using this menu option you can maintain all accounts of the customer which in turn forms his pool of funds. These cards cannot be used for any transactions. The ATM retains the card if it is inserted into the machine. These cards cannot be used for transactions but are returned to the customer. The hot card download procedure creates and downloads a file containing the card numbers and card status of hot and warm cards.
This option has to be invoked specifically whenever required. The mini statement download creates a file that contains details of the last ten transactions carried out on the accounts of all cardholders. This enables the switch to provide details of the last few transactions that have taken place whenever a request is made.
The procedure is similar to Balance Download. The Switch Off-line Transaction upload creates a file containing the details of all the off-line transactions carried out at the switch on the accounts of all cardholders. This updates the host. Certain parameters have to be set up in the Finacle database before the switch becomes functional. This option is used to set up these parameters. This option is used to stop the entry of transfer type transactions at any point of time during the day.
However, modifications to transfer transactions already entered can be done. If virtual users have not been created, the default directory where the log files are written is the SYS directory. This directory can be accessed using this option, which facilitates administration of log files created in the working directory of the module user by a trusted user. It allows the user to login to the OS and save, print or delete files. This option is used to transfer accounts between sub-heads. It can be used to transfer an account that has been opened under a wrong sub head to the appropriate sub head.
This option is used to create and maintain transaction category codes belonging to the scheme type DDA. Using the option, any user can access information about the currency position handled by different tellers, based on the employee ID. Using this option, you can delete part transactions of non-customer accounts that have been posted.
Using this option, you can calculate the TDS and generate a report for a particular customer. You can also specify a range of accounts for which the report has to be generated. Using this option, you can generate a TDS report for a particular customer. Using this option, exceptions encountered while entering a transaction, can be approved. Hi, Is balanced fund advisable to invest SIP as long term for at least 20 years? Am looking for to start SIP with small investment Rs.
Expecting your valuable suggestion. Equity is beneficial in long term only. Balanced funds are good and best for retail investors. Review every years the fund relative performance with market. Abhay, Hello sir, i am 32 years old i have capital of Rs. Is it possible, if yes then pls suggest me which funds i have to choose to invest. You can choose balanced funds from above list and invest now. Dont be worried about short term volatility fif looking for 5 years or more. Choose mix of NPS and balanced mutual funds.
I invest whole in balanceed fund. Will u suggest me to switch fund or remain with balanced fund. ULIP plans are bad. But it will not be optimal due to unnecessary chrges. Better to invest in balanced mutual funds and buy term plans separately. Sir, Ps advice me.
I m having icici blue chip focused. Pls help me as m worried abt my goals Santosh. Very good large cap fund. For others, depends on your goals and risk appetite. I am 22 year old I want to invest around 10, per month but with low risk also I want to go with long term and short term both. Pretty tough to suggest without knowing exact needs. Better you consult good fee only financial planner. These are good funds in themselves. According to you this fund is good to invest.
Your advise is valuable for me. I want to know which balanced mutual fund as well as normal mutual fund is good for me. I will invest for long term 3 to 7 years as well as short term 1 year. For 1 year I would not advise equity funds. For years, you can choose any funds from above list like for eg. Sir, I am in government service. I save monthly in General Provident Fund. I want to invest Rs. There is no issue for me for tax saving as I am already investing in GPF.
Sir, please guide me which is the best mutual fund me to invest through SIP. I read all the comments of yours regarding balance mutual fund. Is balance mutual fund is best for me or any other. If so please advice. Balanced funds seem to fit your SIP amount. Almost all funds have similar expense ratio. One must also consider the risk taken by the fund to get that returns. One should invest in direct plans rather than regular plans. NFO are not really required now. Just an MF way of mobilizing additional funds.
All required funds are already there in market. As your article was written in , due you still consider this fund to be one of the good funds for long term investment. Yes , all funds listed above are still good funds. All mutual funds are regulated ,so there is not much to worry. Also the future performance of funds can only be seen in hindsight and nobody can predict now.
You can choose any one of the two funds. Thanks for writing to us. It is really good that you want to invest but remember that nothing is absolutely safe. It is only relative. We can say with some confidence for a period of 10 years your principal should be safe with good returns.
But it is not a guarantee. You can invest online directly using NetBanking and by contacting the respective fund house online or in your area. There is usually no interest on balanced funds. You may get dividends if you choose that option. Growth option is best for any mutual funds unless you need cash inflow every year. After one year, I find Fund with divided option has given better returns. If so, why is Growth option better than Dividend fund? You can invest in any 3 or top 3 funds given above.
But monitor the fund performance every year. Hello — can you suggest top best Balanced funds as on today.. I have shortlisted the below:. Investment is yours and the final decision is yours. It is good that you want to invest. Thanks Parani for the quick response. I selected these Funds based on rating in moneycontrol. SBI Magnum has a rating of Which are the other funds you suggest inplace of these 2?
I think top 3 balanced funds are more than enough for consideration. Hello Sir, I am having a very basic idea on Mutual Funds. Can you please let me know some of the good Mutual Funds. Any suggestion will be highly appreciated. Your email address will not be published. Yes, add me to your mailing list. Notify me of follow-up comments by email. Notify me of new posts by email.
Share this on WhatsApp. Hello Parani, I read your writings on investment and money savings articles. Hi I am Aus Citizen with OCI I have invested 1,25,00, in NRE Fixed Deposit in varied length from 1 to 5 years with quarterly int option and I am looking forward to invest another 25,00, next month and I dont have much knowledge about mutual funds etc and would like to play the safest game.
Hi Pl suggest few recently launched mutual funds which will give better returns in coming years. Axis Equity Saver Fund — Pl comment on this? Parsha Recently, I have come across this link and am a regular visitor of all your postings. Anyhow based on my experience and research I will suggest you the following funds which gives High returns 1 DSP black rock microcap fund 2 ICICI value discovery fund 3 Franklin india prima fund 4 Franklin india smaller companies fund 5 DSP BlackRock Small and Mid Cap Fund As you are investing through mutual funds I can assure you that your money is safe and secured and will give good returns as you are planning for long term investment.
Some good balanced funds are already listed above. Hello Sir, I am currently deputed outside of india for period of 2 years. Hi Its good funds but 2 years is bit short time. You should give it a couple of more years. Hi, I have 25 lakhs cash, need to invest in some form where i get fixed monthly income. Hi Ajay These are good funds and can be continued. Hi Aakash Your guess is as good as mine. Vanakam Parani, Greetings from Karthik Well and wish you the same, Recently I gone through your blogs articles and it really amazing and much more informative to me.
Keep going and rocks All the best. Each fund as INR I shortlisted some funds for kind review and advice accordingly 1.
Sorry Parani, typo error 3. Hi KArthik what is the time frame. Dear Sir, I am 50 years old,please review my portfolio and suggest me to improve. Hi Kumar If period is 10 years or more, one time investment or 1 year STP makes no difference unless there is froth in market too much overvaluation. Hi Ramkumar YOu can choose liquid funds. YEs, MF gains is also taxable in short term. Hi Bala I feel you have many funds. Many Thanks, Looking forward. Hi PArimal There is no need to diversify more than funds.
Hi Roy No need to complicate much. Hi There are too many funds and will be difficult to track. Hi, Thanks for the options. Please let me know if above is a good idea. Thanks and Regards, Sachin. Hi Sachin You can hold it. Thank you With Great anticipation! I wish to invest 1 lakh for a year in mutual funds.. How helpful will this be?
Hi Prasanna Investing for 1 year in mutual funds is not good. LIC jeevan anand — 20k for year till 18 years reliance guatanteed returns funds plan — 25k per year please review this and suggest some good balanced mutual funds.
Hi Akshay There are better funds with good track records than above two. So could you please advice me, in which fund or FD shall i invest. Hi YOur portfolio looks good. No need Nifty ETF. Continue with current funds. Please suggest the very best plans for me to go with it.
Hi Amit Which is the best plan will only be known in hindsight. Please suggest me which will the best amongst these …. Hi Mangesh Why do you say Franklin Bluechip is low return. Hi Sampath If you have taken ter,medical insurance and emergency fund then depends on your risk profile.
Hi DS Returns are commensurate with risk taken. Hi Sanjeev Depends on what your risk profile and how much percentage this 1 crore forms part of your networth at age Hi RMR Good decision. I want per month for nontax what should do for better growth.
Hi Rashmi You can choose balanced funds from above list and invest now. Hi ULIP plans are bad. Hi 1 Classic case of dilemma when other funds outperform. Hi Sir, I am 22 year old I want to invest around 10, per month but with low risk also I want to go with long term and short term both. I want to invest on icci balance fund Through wealth plan 2 How will it b.
Hi Ankur These are good funds in themselves. Hi Prasanta For 1 year I would not advise equity funds. Hi Kaushiki NFO are not really required now. Hi Tridip Yes , all funds listed above are still good funds.
I think this is a duplicate comment. Hi KAngna Thanks for writing to us. Hi Anbu You can invest in any 3 or top 3 funds given above. Hi Ajit Please choose any two from above. I have shortlisted the below: Thanks for the article. Hi Sapna Thanks for sharing your opinion. Thank you very much for proving my point of TN with your short, pointless statement!!! You're post shows the arrogance and attitude that many TN members possess! But none of it is supported with facts! It is all a deceptive sales pitch to support the runaway train that will crash!
The savings CAN be found anywhere else, period! Let's put it this way The math didn't work!!! Then it made sense! They take you're money up front to pay the upline for selling a non-viable service!! If it was such a great service If the savings are so great, people would not want to cancel, right??? That would not work! TN has to take you're money up-front! Unless you are a great sales person who has no conscience, avoid TN at all costs!
I am not sure what facts you are researching. However, I am not trying to be arrogant or know more than anyone.
I am a math teacher and a minister. Integrity is what I live by. My hope is that you would research the facts from actual TN members. Their facts are in their receipts.
Also, if you really did your research which you can do by calling the TN headquarter in Florida you will find nothing but integrity in every aspect of network marketing.
Team National is an extremely simple program, all the companies that offer discounts are grouped into one location, allowing all to benefit. Who wants to search the entire World Wide Web whenever you want to purchase with a large discount. Team National offers all local companies an opportunity to join and offer their community a discount. This helps both the consumer and merchant. Anyone can join, save on major purchases, save much more than they ever spent on membership and never say a word to any other person.
Also, the membership allows all of a members chidren, grand children the same highway to lifetime discounts without having to spend a dime on membership. When a company joins, they can allow up to 5 employees to shop and save without any membership cost. I could list several more benefits that members and their extended family has.
Please consider all before making a terrible and negative decision about a company that is simply offering a service that allows others to benefit at whatever level of prosperity they choose. Team National has helped others for over 13 years, if this was a pyramid or unethical company they would have perished long ago. In the future please distinguise between a bad product or something you simply don't care to do.
Most people attack things they don't like or don't truly understand. Johnnie Positive If the membership was worth more than the cost u could sell it on ebay. People only pay the because it's for their "spot" on the mlm pyramid. Not everyone is cut out to be a good con artist but kudos to those that are. Maybe that seemed like a good number for you. My experience with Team National has been on on integrity.
They include all of their numbers on their website. Savings are there--but you have to use the membership. Network marketing is not for everyone.
Then there are the supervisors who delegate and oversee the team leaders; which of course, train and monitor the workabees on the ground floor. Sounds like a pyramid. Oh yeah, then then there is the thing where we have a family where parents are at the top of the pyramid and train and support and nurture the children at the bottom--who in turn are only superior to the pets as far as the pyramid goes.
I am positive that you have not done your research. And I have savings every month that are above and beyond what you find on other discount websites.
My savings look every better when people like you are paying retail. You might want to take another look at how Team National works.
Don't blame anyone or company because your too lazy to get out and work the business. This is a proven system and with any MLM - Networking.. Team National is not a scam!! How much money can you make with "bigcrumbs"? This Membership fee renews itself by simply keeping a website up and running! They can build a business and it only helps whom--YOU.
Show me a company that can get you paid by 6 different ways, no products to sell, unless you wanted to.. Some people say TN is a "pyrimid scheme", well it looks like one, but "I" can make more money than some of the people above me!!
Can you say that in most business' in the world today? I can easily see where a normal person can make the investment back in a short period of time when saving 50 to a month on things your buying anyway!!
Go ahead and include - If you enroll 8 people you would make your first check of 1, !! That is not including IF your 8 people started working this as hard as you did. Good Luck TN workers!!
The failure is in the business model. Confidence games are the same as a Ponzi. It only works if everyone stays "conned" and keeps conning others. The proof is that the business could not self sustain on the market value of its over priced product.