Lord Jesus Christ Says...

For what shall it profit a man, if he gain the whole world, and suffer the loss of his soul? Jesus Christ

22 Aug 2015


Hi friends ,Quotes  from  Manishanandji

   1. Biggest wealth of a married couple is trust between husband and wife. 2.  Though your thought might be virtuous and right, if you have false advisors  - you are ought to do false deeds.  3.  Do not give reaction, sit-think-use your intelligence-take your time and then speak and give your firm decision.  4. Without thinking about the world and world people, do what your Atma says keeping in mind the Paramatma.  5. Remove all obstacles which comes in your virtuous thinking and which hinders your speed of growth.  6. Where there is love-even if you speak rough-it will sound good and lovely.

7. Relationship is like a thread.  Once broken and if rejoined – knot will always remain.  8.  Show things when the time comes- do not workout or show your capabilities before time.  9. Money should be spent at appropriate tasks/things – just do not waste at things you find people are not going to use.  10. When people oppose you – present your point and thought in an appropriate way and still if none listen – keep shut – do not oppose/respect them – and stick to your thought.  11. Environment plays an important role in concentration of mind.  To concentrate stick to your mission (default is to make the world a better place, if not you can also live by having two times food and a hut to live).  Always listen good, see good, talk good and go to good places.  Avoid as far as possible to listen negative thoughts.  12. In marriage, wife is committed and always listen to whatever husband tells.  Woman think by heart and Man by mind.  All major decisions should be taken by Husband.

Good Luck.      see you later.                                                        .

21 Aug 2015


Hi Friends, Today I publish a post of a debt free  company quoting its share  below its book value and giving dividend yield of 7.39%.  Share is available in a throwaway price Rs.17.60.  Try your luck.  IL & FS Investment Managers Ltd. (BSE Code – 511208,  NSE Code – IVC).  This company is a subsidiary of Infrastructure Leasing & Financial Services Ltd. (IL & FS), also is one of the oldest and largest private equity fund managers in India, with over $3.2 billion under management.  Established in 1989.  IIML has been en early, and in many instances the investor across various sectors as Telecom, City gas distribution, shipyards, retail and media .  Fund managed by IIML now span general purpose private equity, real estate and infrastructure.  Investors to IIML managed funds include most of the major Indian Banks and Institutions and Morquee Global Institutional Investors including major US Pension Funds, Endowments and Foundations.

The company diversifies into  debt funds as well as integrated investment banking lead private equity transactions focused on opportunities arising from stressed assets.  This expansion allow the company to enter new areas of business created by external   circumstances such as interest rates, the longer economic down cycle etc.

Financials:  Market Cap – 566.83,  P/E – 10.32,  Book Value – 3.65 ( 18-25),  Dividend – 65% ,  Industry P/E – 24.29,  EPS – 1.71,  Price to Book – 4.95,dividend yield – 7.39%,  F/Value of share – Rs.2/-,  Share price Rs.18/-.  Total Sales in crore  for the period from 2011-2015 – 91.44,  102.62,  101.08,  115.12,  103.91, .  Net Profit in crore for the period from 2011-2015  :   37.41,  41.04,  42.44,  53.76,  55.89.  Equity capital 62.81 Cr.  Reserve excluding revaluation reserve – 51.94.   Bonus History:  2006   - 1:2,  2008  -  1:2,  2013 – 1:2.  Dividend: For the year ending 31.03.2015 – IL & FS IML has declared dividend @ 65% amounting to R.1.3 per 2 share at the current sales price of Rs.17.60.  This result in a dividend yield of 7.39%.  The company has a good dividend track report and has consistently declared dividend for the last 8 years.  2008 – 55%,  2009 – 70%, 2010 – 75%, 2011 – 75%, 2012 – 75%, 2013 – 75%, 2014 – 65%, 2015 – 65%.

Management Efficiency:  Return of Equity- 48.70%,  Return on Assets – 124.74%,  Return on capital employed- 40.80%,  Gross Profit Margin – 62.18%,  Operating Profit Margin – 62.76%,  Net profit margin – 53.78%, Profit after tax 38.08%, Debt equity ratio – 0.00, Cash flow to long term debt – 0.00

Share Holding:  Promoters-50.42%,  General Public-32.02%, Other Companies – 6.12%, Others – 4.94%,  NBFC/Mutual Fund -3.62%, Foreign NRI – 2.19%, Foreign Institutions- 0.65%, Financial Institutions- 0.03%.

IL&FS Investment Managers   Ltd. key products /reserve segments income from management services which contributed Rs.80.45 Cr. to Sales Value 77.41% of total sales, dividend which contributed Rs.22.56 to sales value 21.70% of total sales.  Income from sale of shares and securities which contributed Rs.o.90 Cr. to sales value 0.86% of total sales for the year ended 31.03.2015.  For the quarter ended 30.06.2015 the company has reported  a stand alone sales of 18.91 crore down 4.22%  from last quarter sale Rs.19.75 crore and up 0.47% from last year same quarter sales of Rs.18.83 crore .  The company has reported a net profit after tax Rs.11.00 crore in last quarter.

Considering the above details, you have to  note that this is a small cap company hence no institutional buy in the shares.  But liquidity is normal i.e. more than one lakh every day.   It is a debt free company.  Debt equity ratio is 0.00.  Cash flow to long term debt is also 0.00.  Dividend yield is 7.39%.  SB account in a Bank has only 3 to 4 % yield.  Book value is 3.65 x 5 (18.25),  Investing shares in below book value is always recommended by Analysts.  Company’s net profit margin is 53.78% (very healthy).  Considering all these, good for long term investment.

Try your  luck.                                                                        See you later.   


Hi FriendsLook into the following positive thoughts of The Great Persons.  1.  Always End the Day with a positive thought.  No matter, How hard things were, Tomorrow’s a fresh opportunity to make it better.   2.  Keep your values positive because your values become your  destiny.  3.   Positive thoughts, positive actions make positive results.  4.  You make the world a better place by making yourself a better person.  5.  If you don’t like something change it.  6.  It is a job that is never started that takes the longest to finish.

7.  I may not be perfect but I am always Me.  8.  One day everything will be O Kay.  9.  Talking about our problems is our greatest addiction.  Break the habit. Talk about your joys. 10.  Every thought we think is creating our future.  11.  We can change our future by merely changing our attitude to the positive.  Simply get powerful.  12.  Start where you are,  use what you have.  Do what you can.

Good Luck.                                                                               See you later.

20 Aug 2015


Hi Friends,   The truth is that successful  traders are aware of the two fundamental principles that are the pre-requisites of entering the stock market.  All traders should understand them and incorporate them into their trading psychology.  The two secrets or principles are:  1.  There is no way on earth to ever, ever, ever guaranteed profits or returns.  The markets are fluid and evolving each day.  This forces traders to change and adapt their strategies to the every changing market conditions.  Therefore, you must realize that trading is about the numbers.  Focusing on odds trading and risk/reward vs hunches and feelings can lay the foundation for a very long and successful carrier. 

2.  You will become successful if you are determined to stick around long enough.  As you read more research,  you will find that more than 75% of all traders quit within the first 3 months, after 6 months, more than 90% are out of the market.  Even with these basic numbers you can see that if you stick around at least 6 months you are already more than 90% likely to become profitable.  So learn as much as possible , don’t try to get rich quick and the rest will handle itself.

Ignorance will get you absolutely  nowhere.  The stock market does not care about your feelings or wants.  And really you shouldn’t care where the market is going so long as you are making money.  The above two principles are the biggest contribution to the losses realized in the stock market today.

Good luck        See you later.                                                           


Hi Friends,   Please see funny quotes and think about it.   1.   She is from Ice land and he is from Cuba.  Their kids will be known as an Ice Cube. 2.  I had some words with my wife, and she had some paragraphs with me.  3.  When a man opens the door of his car  for his wife, you can be sure of one thing,   either the car is new or the wife is.......  4.  If the couples that are in love are called “Love Birds”  then couples that always argue should be called “Angry  Birds”.  5.  The only time I don’t have any problems in this world is when I am already six feet below the ground.  6.  When you pray, be careful of how you respond to what you get.  I read somewhere that if you pray for rain..... don’t complain about the mud.  7.  A mother is the best friend God ever gave.

8.  Age is an issue of mind over matter.  If you don’t mind, it doesn’t matter.  9.  You only live once?  False, you live everyday.  You  only die once.  10.  Nothing is impossible, the word itself says, I’m possible.   11.  Sleeping is my drug, my bed is my dealer and my alarm clock is the police.  12.  Laughter is the best medicine, but if you are laughing without any reason, you need medicine. 13.  When I die, I want my last words to be “I left a million dollars under the ......... 14.   Dear sleep, I know we had problems when I was younger ..... but  I love you now.

Thanking you,                                                                    See you later.                       


Hi Friends:   More than 20 companies over 90% of shares holding are pledged, for investors, this is a cause for worry.  Smaller companies seem to be facing greater trouble, going by this metric.  This is worrisome for investors on more than one count.  One, when markets are on a down trend , there may be margin call on the pledged shares.  This can lead  to more shares being pledged or block sales by the lender, leading to a stock price  crash.  The lending institutions may take ownership (As per present rule) of the shares and the promoter may lose control.  Such control transfers could happen without the knowledge and consent of all share holders.

There are not enough disclosures on pledged shares beyond the number.  For instance, money may be raised for personal reasons, purchase of assets or for raising funds for expansion or working capital for the company.  The promoters who are raising money in the above use, reveals that they are not interested in the growth of the company.

Therefore investors should beware and avoid these companies from your portfolio.  Names of twenty companies pledging their shares more than 60% are as follows:  1.   IL & FS Transport  2.  Gujarat N.R.E Coke  3.  Parsvnath Developers  4. Tilak Nagar Industries   5.  Shilpi Cable Technologies  6.  NCL Industries  7. OCL  India Ltd. 8. India Cement Ltd.  9.  Saurashtra Cement  10.  Sangi Industries  11.  Nitco Ltd.,  12.  Punjab Chemicals   13.  Vishnu Chemicals  14.  Moser Ban India  15.  AGC Networks  16.  Edu Comp Solutions  17.  Subex LTD.  18.  Zee Learn Ltd.  19. BL Kashyap & Sons  20. D.B. Reality Ltd.  The list is not ending here.  So take vigilant by the investors.

My friends, contrary to the above, you may look into Debt Free Companies for investment.  When you buy shares , please verify the debt equity ratio of that company.  Below 1% is better for investment.  I give you one good share viz. Wonderla Holidays.  I have posted article regarding this share on 16.06.2015.  This company has delivered good result for the first quarter ended 30.06.2015.  Total income reported 67.21 Cr. up 7% from the last year quarter.  Net profit reported 28.04 Cr.  up from 14% from the last year quarter.  At present they have two amusement parks , one at Bangalore and the other at Cochin.   They are going to open other two amusement parks one at Hyderabad, and the other at Chennai.  Construction is in final stage.  It will be opened next financial year.  This industry is not a commercial nature, but it is capital expenditure nature.  This is a plus point.  In addition you see the below details:

Public Issue Shares/amount  170 Crore.  Amount utilized up to 31.03.2015  Rs.17.97 Cr.   Amount utilized during the quarter Rs.16.17 Cr.  Balance Fund invested in Mutual Fund & Bank  Rs.135.85 Cr.  Buy this share below Rs.265/- for long term investment.  This is a risk free investment.  No devaluation effect or economic policies.  The promoter of this company is ‘V’ Guard Industries Ltd.

Good Luck.                                                                  See you later.

19 Aug 2015


Hi Friends,  Please read the inspirational quotes.  1. A best friend is like a four leaf clover hard to find, lucky to have.  2.  A good friend is like a bra:  hard to find one you are comfortable with , always provides support, holds you tight and is always close to your heart.  3.  Life does not have any hands but it can sure give you a slap some times.  4.  In the morning you beg to sleep more, in the afternoon you are dying to sleep, and at night you refuse to sleep.  5.  God, please give me patience, if you give me strength I will just punch them in the face.

6.  I consider myself a crayon,  I might not be your favorite color but one day you will need me to  complete your  picture.  7.  The great pleasure in life is doing what people say you can't do.  8.  The alphabet begins with ABC, numbers begin with 1,2,3,  music  begins with do-re-mi, and friendship begins with you and me.  9.  I love being married.  It is so great to find that one special person you want to annoy for the rest of your life.  10.  Long time ago I used to have a life, until someone told me to create a Face book account.

Wish you Good Luck.                                                      See you later


Hi Friends,   Stock Market trading is not a simple one, one should acquire the detailed knowledge about various technique of operation as well as the selection of stock in which to trade keeping in mind the following basic concept for reducing the risk of incurring losses:  Interest rate risk:  This arises due to variability in the  interest rates from time to time .  A change in the interest rate establishes an inverse relationship in the price of the security i.e., price of securities trends to move inversely with change in rate of interest.  Long term securities show greater variability in compare to short term securities by this risk.  

Purchasing power risk:  It is also known as inflation risk and the inflation affect the purchasing power adversely.  Inflation rates vary over time and changes unexpectedly causing erosion in the value of real return and expected return.  Thus purchasing power risk is more in inflationary conditions especially in respect of bond and fixed income securities.  It is not desirable to invest in such securities during inflationary situations.  Purchasing power risk is however less in flexible income securities like equity shares or common stock where rise in dividend income off-sets increase in the rate of inflation and provides advantage of capital gain.

Business risk:  Business risk arises from sale and purchase of securities affected by business cycles, technological changes etc.  Business cycles affect all types of securities viz. There is cheerful movement in boom due to  bullish trend in stock price where as bearish trend in depression brings down fall in the prices of all types of securities.  Therefore securities bearing flexible income affected more than the fixed rated securities during depression due to decline in their market price.

Financial risk:   This arises due to changes in the capital structure of the company.  It is also known as leveraged risk and expressed in the terms of debt equity ratio.  Excess of debt over equity in the capital structure of a company indicates that the company is highly geared even if the per capital earnings (EPS)  of such company may be more.  Because highly dependence on borrowings exposes to the risk of winding up for its inability to honor its commitments towards lenders  and creditors.

Investors should also see whether the promoter company or promoters pledging their holding shares for getting credit from financial institutions including Bank.  Now a days there are so many listed companies pledging their shares more than 50% and even 100%.  Investors may be cautious and leave these companies from your port folio.  So the investors should be aware of this risk while selecting shares for their investment.

Good Luck.                                                            See you later.         

18 Aug 2015


Hi Friends,   You please think about the following :  Do not contend with the powerful, or you  may fall into their hands.  Do not quarrel with the rich, in case their resources outweigh yours; for gold has ruined many, and has perverted the minds of kings.  Do not argue with the loud of mouth , and do not heap wood on their fire.  Do not make fun of one who is ill-bred, or your ancestors may be insulted.

Do not reproach one who is turning away from sin; remember that we all deserve punishment.  Do not disdain one who is old, for some of us are also growing old.  Do not rejoice over any one’s death; remember that we must all die.  Do not slight the discourse of the sages, but busy yourself with their maxims; because from them you will learn discipline and how to serve princes.    (Bible).

God Bless you,                                                                    See you later.


Hi Friends,    There are some Golden rules which need to be followed by specially by new traders (beginners), as until unless you spent some time and gain experience about market never ever try to implement any new strategy and do not try to make money by over night.  When ever you are planning to start investment in share market (never ever think about how traders are making money) just keep patience and start from investment by buying shares.

Do not try to understand what are derivatives, how much exposure given by your  broker , because it will create Greediness in you to become rich in quick period of time and will divert your minds from the core objective of learning.  Always start share investment from your own money, (that must be your surplus), then trade with in your margin only and should be stick with a category scripts at initial days and avoid high  bets stocks.  Learn to book partial profit or to use stop loss at right level.  Then only you will get succeed.  Never run behind the news trading as it might affect for some days and again the price will bounce back.  Do not trade in derivatives and options until unless you earn some money in equity investment.  Whenever you make some profit either withdraw or reinvest that money to buy some a category scripts like SBI, TCS, or Maruti etc.

If you are new to the stock market, make sure that you always deal  with the registered broker and do not deal with the unregistered negotiators.  Always make sure to get a written documentation or contract of the transactions that you plan to make.  A proper study of the stock market is very important by the investor.  An investor should be aware of the risks involved and he should be tolerant enough to face the risks and results.  Be careful before investing in a company you have  ever heard of, spend time finding and checking the facts and details of the company.  Do not get tempted by the misleading advertisements that claim to give high returns in less time.  Be cautious about stocks which show an UN expected shoot in price.  Proper understanding of the stock market comes with experience.  However, above mentioned points will help a new investor to invest in the stock market.

Good Luck.                                                               See you later.   

17 Aug 2015


Hi Friends:  Please see the words of osho   1.  Experience   life in all possible ways – good – bad , bitter – sweet, dark – light , summer – winter.  Experience all the dualties.  Don’t be afraid of experience, because the more experience you have, the more mature you become.  2.  Be – Don’t try to become .  “Sadness gives depth,  Happiness gives height, sadness gives root, happiness gives branches. Happiness is like a tree going into the sky , and sadness is like the roots going down into the womb of the earth.  Both are needed and the higher a tree goes, the deeper it goes, simultaneously.  The bigger the tree, the bigger will be its roots.  In fact, it is always a proportion.  That is its balance. 

3.  If you love flowers, don’t pick it up, because if you pick it up, it dies and it ceases to be what you love.  So if you love a flower, let it be.  Love is not about possession.  Love is about appreciation.  4.  Be realistic.  Plan for a miracle.  5.  Each person comes into this world with a specific destiny, he has something to fulfill, some message has to be delivered , some work has to be completed.  You are not here accidentally, you are here meaningfully, there is a purpose behind you.  The whole intends to do something through you.

Thanking you,                                                       See you later.


Hi Friends:   Here are some of the tips and techniques to our share traders.  1. Never place market orders (i.e., those  with no specified buy or sell price) before the opening of the trading day:  Strange things can happen at the opening bell if a flood order hits.  You may find yourself paying much more than you intended on the buy side, or you may receive far less than you expected on the  sell side.  This is always a risk with market order, but it’s most acute at the opening , when orders tend to pile up from traders reacting to last night’s (or this morning’s) news.  If you must trade at the opening, protect yourself with a limit order. 

2.  The best time to trade ├Ąt the market”is usually in the afternoon, from about 1 to 2.30 p.m.:  By then the whole country is at work, including the West Coast, and everyone has had a chance to digest the day’s important news.  Market-shaking government statistics are almost always released in the morning.  So are most corporate earnings reports.

3.  Always check the “bid size”and the “ask size”for any exchange-listed stock before entering a buy or sell order: A good teak-time quote system will tell you not only the last price of a stock, but also the bid price, the ask price and the number of shares being bid for or offered at those prices.  When the bid size is larger than the ask,  it’s a sign of underlying demand for the stock – don’t hold out much longer if you were planning to  buy.  By the same token, a large position on the ask side(relative to the bid) implies there are lots of sellers eager to get out.  Don’t shilly-shally if you were intending to sell.  What if the bid and ask sizes are almost equal?  That’s a perfect situation for entering a limit order exactly halfway between the bid price and the ask price.  Chances are , your order will be executed right there in the middle.

4.  The best time of the month to buy stocks is around 15th through the 25th.:  That’s when cash flows into the market (from pension funds and dividend reinvestment) tend to be at their low ebb, along with prices.  The best time of the month to sell is during the first two and last two days.  Be an aggressive buyer during the months of September and October, when the market has a strong seasonal tendency to bottom.  Plan to do most your selling in April and early in May, when history tells us the annual influx of IRA and Keogh money is likely to dry up.  In the four-year presidential cycle, the best buying opportunities  nearly always occur during the mid-term election year.  Always tread warily in the first year after a new president is elected.

5.  For the most part, choose stocks to buy that are trading above $10 a share.:  There are two reasons for this advice.  1.  Stocks below $10 are usually quoted at larger percentage spreads between bid and ask (the buying and selling prices), so you need a bigger price increase to break even; and 2. Companies with low-priced stocks are mote prone to financial trouble, including bankruptcy.  Buy  50 shares of a $20 stock rather than 200 shares of a $5 stock.

GoodLuck.                                                                                See you later.

16 Aug 2015


Hi Friends:   Today’s morning thoughts are from Dr.APJ Abdul Kalam.  Please read.   1.  All birds find a shelter during a rain.   But eagle avoids rain by flying above the clouds.   2.  A man needs difficulties in life because they are necessary to enjoy the success.  3    If you want to shine like a sun first you burn like a sun.  4.  All of us do not have equal talent.  But  all of us have an equal opportunity to develop or talents.  5.  Without your involvement you can’t succeed .  With your involvement you cannot fail.


Hi Friends:   Today’s Business Paper  (15.08.2015) shows main  heading, Govt. unveils  7 – point plan to revive Public Sector Banks; to inject Rs.20,000/- Crore in a month and Rate cut hope triggers 518 points rally  in share market sensex .  Inflation falls to historical low of (-) 4.05% in July.  Retail inflation also low.  (But we are getting our lively goods items very costly and expensive).  In the same paper with small heading report Forex  Reserve  down Rs.113.5 million , Export dip 10.3% in July 15 i.e. Rs.35.94 billion compared to last year same period.

In these scenario dear friends it is better to watch and see the impact of devaluation of Chinese Currency.  The Chinese currency has been devalued three times in the last few days and has touched about 6.59 to US Dollar.  In the present time China is a well positioned country in the Global Export Market.  But they started experiencing decreasing their export value in world market.  So they took some preventive measures to avoid their export shortage.  At the meantime India, Brazil etc. shows their tendency to increase export to Global Market.  Now the ban free Iran also gives priority to India for their imports.  China devalued their currency only to uplift their export.  Now Chinese goods are cheaply available, ie lesser than 10% from the price before devaluation.  But in India we may sit and watch the position.  Because our rupee has also devalued against the dollar too.

With the devaluation of Chinese currency and the consequent fall in the rupee valuation may affect Indian companies with dollar debt exposure are worried a lot.  Analysts say that the cost of dollar loans for such companies, which do not have foreign exchange cover, will rise substantially and increase their repayments.

The devaluation in the Yuan has lead to a decline in all emerging market currencies and analysts and chief financial officers say that they are waiting to see the extent of the Yuan’s fall as well as when the currency will stabilize.  This will be critical in evaluating the impact on the rupee and, therefore, on companies with Forex exposure, Reliance, Export Import Bank of India, Reliance Communications, BPCL, Bharati Air tel, Adani Ports & SP Zone suffer a lot.  This year a large number of Indian Companies have raised billion dollar loans.

Many Indian companies that had taken loans from Chinese banks as Import finance to buy Power and telecom equipment from China might also face the heat. Devaluation of Chinese currency is a serious issue and lead to a situation where China dumps its goods into India.  So Govt. is taking also steps to control this and to safeguard the interests of Indian exporters and manufacturers, said Central Commerce Minister Smt.  Nirmala Sitharaman. She added that the ministry is aware that exports are down and with the Yuan devaluation, export from India will face an even greater challenge, Chinese Government has allowed the Yuan to fall about 4% against the US dollar this week.

Avoid these industries- Solar industry, Tyre industry, Iron and steel, Power equipment, Leather items, Textiles, Gem and jewellery, Thermal power

Gainers-100%export oriented companies, Amusement park, Software exporters, and Drug exporters like Sun Pharma, Aurobindo Pharma, Cipla, Dr. Reddy, Lu pin, Markson Pharma, and Anuh Pharma.

I have already posted an article belongs to BS LTD in my blog. This company is the player in power transmission, Distribution & Telecom managed services. Today they are the preferred EPC provider in India and poised to become a holistic infrastructure provider. Now Asia’s first 1200 KV transmission lines, today they are executing diverse projects across the length and breadth of India, focusing on high margin power transmission lines and substation projects. They have published excellent result for the first quarter ended 30.6.2015. Posted net profit of Rs.23.65 Cr for the quarter ended 30.6.2015, up 24% against 19.07 Cr logged during the corresponding quarter last year on a consolidated basis. The Hyderabad based company reported total sale of Rs 970.33 Cr, up 93% against last year Rs. 501.75 Cr. Share price is Rs. 28/-, PE-3 ,industry PE 11.50. Consider it for long term investment.

 Good luck,                                                              see you later.