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Luke 5:31, 32 And Jesus answering said unto them, They that are whole need not a physician; but they that are sick. I came not to call the righteous, but sinners to repentance.

31 Dec 2015


Hi Friends,    Timing Your Buys:

There are no hard and fast rules which can help you make the right decisions on when to buy and when to sell.  Good investment timing is an art which involves an understanding of individual and mass psychology and an ability to outguess the day to day twists and turns of market behaviour.  It cannot be picked up overnight.  It can only be acquired over a period of time through experience and actual involvement in regular stock market operations.  This is why, unless you have an intuitive flair for predicting short-term price fluctuations, you would be better off if you based your investment strategy on selection rather than on timing.  Automatic trading systems and mechanical investment formulas are designed to do precisely this-they shift the emphasis from timing to selection.  Buy-and-hold strategies and other long-term investment strategies also rely heavily on selection rather than timing.  Almost all of them advocate a blend combining judgement-based selection decisions with an unthinking application of mechanical rules and techniques for handling timing decisions.

Though investment timing is as important as investment selection, the negative impact of bad timing decisions sometimes can be more than made up through superior investment selections.  But this does not mean that you should ignore investment timing altogether.  No serious investor can afford to do this because to get really superior results you will have to learn to combine good selection with good timing.

Good Luck.                                                                 See You Later.


Discussion is the beginning of every work, and counsel precedes every undertaking.  The mind is the root of all conduct;  it sprouts four branches, good and evil, life and death;  and it is the tongue that continually rules them.  Some people may be clever enough to teach many, and yet be useless to themselves.  A skilful speaker may be hated;  he will be destitute of all food,  for the Lord has withheld the gift of charm, since he is lacking in all wisdom.    (Bible).

When one door of happiness closes, another opens, but often we look so long at the closed door that we do not see the one that has been opened for us.  -  Helen Keller

Everything has beauty, but not everyone can see.  --  Confucius

How wonderful it is that nobody need wait a single moment before starting to improve the world. – Anne Frank

When I was 5 years old, my mother always told me that happiness was the key to life.  When I went to school, they asked me what I wanted to be when I grew up.  I wrote down “happy”.  They told me I didn’t understand the assignment, and I told them they didn’t understand life.  --  John Lennon.

The only person you are destined to become is the person you decide to be .  --  Ralph Waldo Emerson

We can’t help everyone, but everyone can help someone.  --  Ronald Reagan

Everything you’ve ever wanted is on the other side of fear.  --  George Addair

We can easily forgive a child who is afraid of the dark;  the real tragedy of life is when men are afraid of the light.  -  Plato

Nothing  will work unless you do.  --  Maya Angelou

I alone cannot change the world, but I can cast a stone across the water  to create many ripples.  --  Mother Teresa

What we achieve  inwardly will change outer reality.  --  Plutarch.

Mr.  John after his return from Rome,  John couldn’t find his luggage in the airport baggage area.  He went to the lost baggage office and told the woman there that his bags hadn’t shown up on the carousel.  She smiled and told him not to worry because they were trained professionals and he was in good hands.  Then she asked John,  “Has your plane arrived yet”?

                                                                           CHRISTY BOY JOHNSON

30 Dec 2015


Hi Friends,   News regarding issue of bonus shares by a company is normally received with great excitement and  cheer by the investing  public.  It creates a feeling of optimism and confidence in the company’s future outlook.  This is normally followed by a sharp rise in the price of the company’s shares.  By and large, most investors are fascinated by the prospects of receiving free shares from the company.  This is the main reason why the possibility of receiving a bonus issue is an important consideration for most investors when they make their investment selections.  Yet it has been observed that very few investors really understand the true significance and implications of bonus issues.

Bonus issues are a type of rights issue.  They are shares which are issued free of cost by a company to its existing shareholders in proportion to the number of shares each shareholder owns.  Shareholders are entitled to these shares as a matter of right.  Bonus shares are issued free of cost,  whereas  rights shares are issued on payment either at par or at a preferential  premium.  Bonus issues cannot be allotted to company employees, debenture holders, depositors, or business associates of the company and its directors.  There is no question of oversubscription or under subscription of bonus issues because shareholders do not have any option; bonus issues are simply allotted to the existing shareholders in direct proportion to the shares each owns.

Bonus shares are issued by capitalizing the reserves of the company.  It is basically an accounting exercise which results in an expansion of the company’s share capital at the expense of the company’s reserves.  A plus entry under the accounting head ‘share capital’ is matched by a corresponding minus entry under the accounting head of ‘reserves’.  It simply transfers a certain sum of money equal to the nominal value of the bonus shares from one accounting head to another.  To illustrate how this happens, let us take the example of a hypothetical company called XYZ Ltd. which has an equity share capital of Rs.10,00,000 consisting of 1,00,000 shares of a par value of Rs.10 each, and reserves of Rs.40,00,000.  Suppose , XYZ Ltd. now issues bonus shares in the ratio of one-for –one  (1:1).  This means that the size of the bonus issue would be Rs.10,00,000 consisting of 1,00,000  shares of a par value of Rs.10 each.  Then what the company does is to shift Rs.10,00,000 from the head of account ‘reserves’ to the head of account ‘share capital’ .  

This shifting of money from ‘reserves’ to ‘share capital’ is called ‘capitalization’.  After the bonus issue, the company’s books of account and balance sheet will show a share capital of Rs.20,00,000 and reserves of Rs.30,00,000.  The issue of bonus shares expands the equity share capital of the company but does not alter the size of the shareholders’ funds.  Since reserves are also a part of shareholders’ funds, the total shareholders’ funds remain unchanged at Rs.50,00,000, both before and after  the issue of bonus shares.   The company does not receive any fresh capital from the public when an issue of bonus shares is made.  The issue of bonus shares does not in any way affect the company’s assets, profits, or its future earning power and potential.  It is simply an accounting exercise consisting of two book entries and issue of free ‘paper’ (share certificates)  to existing shareholders.

Good Luck.                                                                     See You Later.


When everything seems to be going against you , remember that the airplane takes off against the wind, not with it.  -  Henry Ford.

The most common way people give up their power is by thinking they don’t  have any.  --  Alice Walker.

The most difficult thing is the decision to act, the rest is merely tenacity.  -  Amelia Earhart

It is during our darkest moments that we must focus to see the light.  --  Aristotle Onassis

Don’t judge each day by the harvest you reap but by the seeds that you plant.  --  Robert Louis Stevenson
The only way to do great work is to love what you do.  -  Steve Jobs

Change your thoughts and you change your world.  – Norman Vincent Peale

The question isn’t who is going to let me; it’s who is going to stop me.  --  Ayn Rand

If you hear a voice within you say “you cannot paint,” then by all means paint and that voice will be silenced.  – Vincent Van Gogh

Build your own dreams, or someone else will hire you to build theirs.  --  Farrah Gray

Remember  that not getting what you want is sometimes a wonderful stroke of luck.  --  Dalai Lama

You can’t use up creativity.  The more you use, the more you have.  --  Maya Angelou

I have learned over the years that when one’s mind is made up, this diminishes fear.  --  Rosa Parks

I would rather die of passion than of boredom.  --  Vincent van Gogh

A truly rich man is one whose children run into his arms when his hands are empty.

A person who never made a mistake never tried anything new.  --  Albert Einstein

A  FUNNY SHORT STORY (Title-Wrong Email Address).
 A couple going on vacation, but his wife was on a business trip, so he went to the destination first and his wife would meet him the next day.  When he reached his hotel, he decided to send his wife a quick email.  Unfortunately when typing her address he mistyped a letter and his note was directed instead to an elderly preacher’s wife whose husband had passed away only the day before.  When the grieving widow checked her email, she took one look at the monitor, let out a piercing screen, and fell to the floor in a dead faint.  At the sound, her family rushed into the room and saw this note on the screen:   Dearest:  Just got , checked in.   Everything prepared for your arrival tomorrow.   P.S.  Sure is hot down here.

                                                                                             GUEST BLOG.

29 Dec 2015


Hi Friends,   Key benefits of investing in equities.
Capital gains over the long term:   Historically, equities have provided some of the strongest after-tax investment returns over the long-term.  By  owning equity in companies with growth potential, investors have the opportunity to benefit from capital gains as the asset grows in value over time.  Investors enjoy unlimited participation in the earnings of the firm.  Of course, investors cannot expect the company to pay out all its profits in a form of a dividend as this may come at the risk of future profitability and a lower share price.

A good source of income:   The dividend yield on equities is another important source of return.  Unlike term deposits, dividends from equities can have inflation built into earnings where companies are able to pass cost increases onto customers.

Highly liquid:  Equities are traded on major stock markets around the world.  They are highly liquid which means that they can be converted into cash quickly and with minimal  impact to the price received.  Unlike direct investments, there is relative ease in the transfer of ownership and the movement of equities.

Tax advantages:  The after-tax performance of equities is lifted by dividend imputation, a tax benefit not shared by other asset classes.  The dividend imputation system allows investors who have been paid a dividend to take a personal tax credit  (franking credit)  since the company has already paid tax on the dividend.

Corporate control:   Equities come with certain rights including the voting rights to which the investors are entitled.  The level of corporate control depends on whether the equity is classed as ‘ordinary’ or  ‘preferred’  and on the size of your shareholding.  Ordinary shares represent the majority of shares held by investors.  When you own an ordinary share of a company, you usually have one vote per share that entitles you to participate in the election of the board of directors.  Despite their name, preference shares have fewer rights than ordinary shares, except in one important  area – dividends.  Companies that issue preference shares usually aim to pay consistent dividends and preference shareholders have first call on dividends.  In the event that a company is liquidated, preference shareholders have prior claim to assets over ordinary shareholders.  This feature allows the company to raise capital from venture capitalists before it goes public because most venture capital deals are structured as preference shares.

Limited Liability:   One of the unique features of owning equities is the notion of limited liability.   This means that when you own equity in a company and in the event that company loses a lawsuit and must pay a large settlement, creditors can’t come after your personal assets.  Your liability is limited to the amount invested in the company.

Finally, while equity markets have historically produced higher returns than cash or fixed income over the longer term, the risk of capital loss exists especially over the shorter term.  You should be aware of the risks of investing and speak to a qualified financial adviser to determine if an investment in equities is suitable for you.  As markets are not always efficient, using an active manager may also  help to manage risks and improve performance.   A good manager can identify undervalued securities to invest in by carrying out their own research on  sectors and companies, including face-to-face meetings with management to determine the intrinsic value of a company’s share price.

Good Luck.                                                                      See You Later.


Do not give yourself over to sorrow, and do not distress yourself deliberately.  A joyful heart is life itself, and rejoicing lengthens one’s life span.  Indulge yourself and take comfort, and remove sorrow far from you, for sorrow has destroyed many, and no advantage ever comes from it.  Jealousy and anger shorten life, and anxiety brings on premature old age.  Those who are cheerful and merry at table will benefit from their food.                 (Bible).

Nothing is impossible; the word itself says “I’m possible”!   -  Audrey Hepburn.

I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.    – Maya Angelou.

Whether you think you can or you think you can’t, you’re right. -- Henry Ford.

Perfection is not attainable, but if we chase perfection we can catch excellence.  – Vince Lombardi.

Life is 10% what happens to me and 90% of how I react to it.--  Charles Swindle.

If you look at what you have in life, you’ll always have more.  If you look at what you don’t have in life, you’ll never have enough.--  Oprah Winfrey.

Remember no one can make you feel inferior without your consent.  -- Eleanor Roosevelt.

I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.  -- Jimmy Dean.

Believe you can and you’re halfway there.  --   Theodore Roosevelt.

To handle yourself, use your head;  to handle others, use your heart.  -- Eleanor Roosevelt.

Too many of us are not living our dreams because we are living our fears.  -- Les Brown.

Do or do not.  There is no try.  -- Yoda.

Whatever the mind of man can conceive and believe, it can achieve.  -- Napoleon Hill.

Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do, so throw off the bowlines, sail away from safe harbour, catch the trade winds in your sails.  Explore, Dream, Discover.  -- Mark Twain.

I’ve missed more than 9000 shots in my career.  I’ve lost almost 300 games.  26 times I’ve been trusted to take the game winning shot and missed.  I’ve failed over and over and over again in my life.  And that is why I succeed.  --   Michael Jordan.

Strive not to be a success, but rather to be of value .  -- Albert Einstein.

I am not a product of my circumstances.  I am a product of my decisions.  -- Stephen Covey.


A curious child asked his mother, “Mummy, why are some of your hairs turning grey? “   The mother tried to use this occasion to teach her child, it is because of you, dear.   “Every bad action of yours will turn one of my hairs grey.”  The child replied innocently, “Now I know why grandmother has only grey hairs on her head. “

                                                                                                      GUST POST.

28 Dec 2015


Hi Friends,   Mantras for investing in penny stocks:
Despite the risks, small investors are putting big money in low-priced penny stocks.  They are lured by the fantastic returns that some stocks have delivered in the past few months.  If you also want to invest in this risky segment of the market, keep a few rules in mind.
Don’t invest large amounts:  Don’t lean too much on these risky investments.  Penny stocks should not account for more than 10% of your total equity portfolio.   This means if your total investment portfolio is Rs.20 lakh and 30%  (or Rs.6 lakh) is in stocks, then the maximum you should put in these high-risk stocks is Rs.60,000.  Invest only what you can afford to lose.

Invest only in 2-3 stocks:  The principle of diversification does not work here, instead of picking up a large number of penny stocks, invest in only a handful of scrips.  Spreading your money across a basket of low-priced stocks will not let you earn meaningful returns from them.  If you have Rs.3000/- invested in a stock and it gives a return of 25% in a month, the gain will be an insignificant Rs.750.  Besides, it is easier to monitor 2-3 stocks rather than a portfolio of 10-15 low priced stocks.

Don’t invest and forget:  Investing in penny stocks should be seen as a short-term gambit, not a long-term strategy.  If the stock witnesses a sharp rise, it may be time to exit or at least book partial profits.  Some investors might think that if they wait for a year, the gains will be tax free.  But the stock may have fallen by then.  Set a target and exit when it is achieved.  Don’t hold penny stocks forever.


Better off poor, healthy, and fit than rich and afflicted in body.  Health and fitness are better than any gold, and a robust body than countless riches.  There is no wealth better than health of body, and no gladness above joy of heart.         (Bible)

The best and most beautiful things in the world cannot be seen or even touched.  They must be felt with the heart.    Helen Keller.

I don’t want to be at the mercy of my emotions.  I want to use them, to enjoy them, and to dominate them.         Oscar Wilde.

One thing you can’t hide is when you’re crippled inside.      John Lennon.

The emotion that can break your heart is sometimes the very one that heals it.    Nicholas Sparks.

Your emotions are the slaves to your thoughts, and you are the slave to your emotions.      Elizabeth Gilbert.

I feel too much.  That’s what’s going on.  Do you think one can feel too much?   Or just feel in the wrong ways?   My insides don’t match up with my outsides.  Do anyone’s insides and outsides  match up?  I don’t know.  I’m only me.  May be that’s what a person’s personality is:   the difference between the inside and outside.  But it’s worse for me.  I wonder if everyone thinks it’s worse for him.  Probably.  But it really is worse for me.    Jonathan Safran Foer.

Don’t be ashamed to weep; it is right to grieve.  Tears are only water, and flowers, trees, and fruit cannot grow without water.   But there must be sunlight also.  A wounded heart will heal in time, and when it does, the memory and love of our lost ones is sealed inside to comfort us.    Brain Jacques

27 Dec 2015


Hi Friends,   Outlook  -   Share Market   2016  -     The domestic benchmark equity indices – Sensex and Nifty – ended the month of November 2015 in the negative territory , correcting by 1.9%  and 1.6%, respectively.  The Federal Reserve has already increased  interest rates by 0.25 bps in December, 2015 as perceived by the market sentiments.  In November, 2015, among sectoral indices, the top two gainers were the BSE Consumer Durables Index and the BSE  Auto Index, which rose by 5.0% and 4.4%, respectively.  Among the top losers were the BSE Healthcare Index and the BSE Realty Index, which fell by 9.8% and 2.0% , respectively.  Foreign Institutional investors  (FIIs) were net sellers  in Indian equities to the tune of Rs.7,074 Cr. and Domestic Institutional Investors (DIIs)  were net buyers in Indian equities to the tune of Rs.6,548 Cr. for the month of November 2015. 

During the month, the BSE Midcap index has outperformed the broader market indices.  It is believed that the mid-cap companies having strong fundamentals have the potential to outperform the broader market,  going forward as well.  It is expected some volatility in the market, ahead  due to the after effect of interest rate hike in the US.  However, any positive outcome in terms of passing of the Goods and Services Tax (GST) bill in the session of the parliament would be a positive for the market.  Further, declining interest rates, lower current account deficit and expectation of a stable currency would create positive sentiment for market.  Fundamentally strong mid cap shares may be picked up and invest for long term for 100 to 200% appreciation.  Most share analysts are predicting that 2016 will give minimum 20% appreciation.
Good Luck.                                                                   See You Later.


All counsellors praise the counsel they give, but some give counsel in their own interest.  Be wary of a counsellor, and learn first what is his interest, for he will make thought for himself.  He may cast the lot against you and tell you,  “Your way is good,” and then stand aside to see what happens to you.  Do not consult the one who regards you with suspicion; hide your intentions from those who are jealous of you.           (Bible).

Don’t worry about the chances you miss when you don’t even try.   Jack Canfield.

The pain you feel today is the strength you feel tomorrow.  For every challenge encountered there is opportunity for growth.

Build your own dreams , or someone else will hire you to build theirs.

The only thing that stands between you and your dream is the will to try and the belief that it is actually possible.  Joel Brown.

Self confidence is the most attractive quality a person can have; how can anyone see how awesome you are if you can’t see it yourself.

We learn something from everyone who passes through our lives.  Some lessons are painful, some are painless...but, all are priceless.

26 Dec 2015


Hi Friends,   The price-earnings ratio (P/E), or price-earnings multiple as it is sometimes called, is the most popular and widely used of all investment indicators.  It is a time-tested and handy tool for evaluating share prices and for assessing investor confidence in different companies.  P/E averages can also be used for judging investor confidence in industries, groups of industries, in the economy as a whole and even in the stock market.  P/E averages are also indicators of what the stock market and the investing public think of the present health of the economy and its future prospects.  An understanding of P/E ratios, what they signify and how they can be effectively used for making investment decisions is necessary for achieving success in the stock market.

  P/E ratios find their most common use in the evaluation of share prices.  The P/E ratio can be used as a yardstick for judging whether a particular company’s shares are overpriced or underpriced.  In this way it acts as an index for helping you decide at what price to buy a particular company’s shares.  It also serves as a signal telling you when and at what price to sell a particular share.  Now let us see how this is done in actual practice.

Investor confidence in a company does not build up overnight.  The build-up confidence is a slow process which takes considerable time.   Conversely, erosion of confidence in a company also takes an equally long time.  This is why blue-chips on the decline continue to enjoy strong investor support long after the reasons for this support disappear.  This is because markets have a long memory and do not easily forget the past.  Instead of being future-oriented , most of the investors and other market men continue  to be hopelessly rooted in the past.  Stock markets are notoriously slow to recognize value and even slower to use it for taking rational and intelligent investment decisions.  All this is a part of the basic irrationality that exists in the stock market.So investors should study the implications of P/E ration before investing in shares.

Good Luck.                                                                     See You Later.


The stomach will take any food, yet one food is better than another. As the palate tastes the kinds of game, so an intelligent mind detects false words. A perverse mind will cause grief, but a person with experience will pay him back. A woman will accept any man as a husband, but one girl is preferable to another. A woman’s beauty lights up a man’s face, and there is nothing he desires more. If kindness and humility mark her speech, her husband is more fortunate than other men. He who acquires a wife gets his best possession, a helper fit for him and a pillar of support. Where there is no fence, the property will be plundered; and where there is no wife, a man will become a fugitive and a wanderer.  (Bible).

“Just know, when you truly want success, you’ll never give up on it. No matter how bad the situation may get.”

“” Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else.”

Ï don’t regret the things I’ve done, I regret the things I didn’t do when I had the chance.”

“Challenges are what life interesting and overcoming them is what makes life meaningful.”- Joshua J Marine

“It’s hard to wait around for something you know might never happen; but its harder to give up when you know its everything you want.”

“One of the most important keys to success is having the discipline to do what you know you should do, even when you don’t feel like doing it.”

“ Good things come to those who wait.... greater things come to those who get off their ass and do anything to make it happen.”

25 Dec 2015


Hi friends, I started my free website on 14.06.2015. My 4th post was a share tip “Wonderla Holidays” . I was recommended this share for Rs. 251/-. Actually I recommended this share for long term for 3 years. But in my review please look into the price of the share on 23.12.2015.( 6 months review ).

Arithmetically see the price difference.
Purchase price of 100 shares as on 17.6.2015 = 25,000-
Selling price as on 23.12.2015.410x100            = 41.000-
Hence profit will be                                            = 15,900-

I have recommended several fundamentally strong shares including penny shares to blue chip shares in different price range. Please have a look into my full review report DT. 19.12.2015(6 months review) I repost here my article “Wonderla Holidays”dt.16.6.205”for your information.

Thanking you,                                                                see you later.

Hi Friends, Wonderla Holidays Ltd. is a Public Ltd. Company and it is a leading amusement park designing and operating in India headquartered near Bidadi, Bangalore.  Its flagship amusement park located at the above place at Bangalore since 2005.  It is spread over an area of 82 acres.The first amusement park , Wonderla, Cochin was set up in 2000 (46 acres).  They are India's best amusement park & resorts , one Bangalore and the other at Cochin.  

There is also a classical resort at Bangalore.The  promoters are the owners of "V"Guard Industries Ltd.  They are efficient, punctual in their business and financially sound.  During 2014, they had made Public Issue of shares to the public and the issue size was 181 Cr. for a new amusement park at Hyderabad and also for General Corporate purpose.  This issue was a great success and over subscribed above 38 times.  In this issue they have collected Rs.115/- (premium) for each share.  This company is operating in Hospitality sector and also highly Capital Intensive nature of this business is not lost on anyone.From the Public Issue they have spent about 30% for the new park at Hyderabad. This park will be functional early in the year 2016.  Remaining amount they are keeping in Mutual Fund Investments.

F I N A N C I A L Equity Capital - 56.50 Cr., F/V of Share - Rs.10/-, Dividend - 15%, Today's Market Price - Rs.247/-, E.P.S. - 6.96, PE - 27.63, B/Value - 38.06 Cr.Annual Results                                               2011           2012            2013              2014             2015 (March)Total Sales In Cr.      89.6         113.10         137.85           153.63           181.89 Net Profit  in Cr.      31.52          29.87           33.48             39.89             50.63
The promoters announced that they are expecting revenue growth of  15-20%.  This company is not in a commercial nature.  It is only capital expenditure nature.  Hence working capital is necessary only nominal.  Their borrowed debts have completely repaid from the proceeds of Public Issue.  So this company is debt free.  We can expect better capital appreciation in coming years.  They have only very few competitors i n unorganized sector.  So try this share in your fort folio keeping minimum three years.Share Holding Details Promoters                     71%General Public        11.28%FIS                              8.94%Other Companies      4.24%Mutual Fund              1.83%Foreign NRI               1.04%F Institutions              0.07%Others                        1.62%Remember, I have no holdings in this company or any relation with this company. Clients may take their own risk for taking decisions.

Thank you,                                                        See you tomorrow.