Lord Jesus Christ Says...

Treat others as you want to be treated. Matthew 7:12 states it that simply. Improve your life today by treating those around you with kindness and respect.

12 Sep 2015


Hi Friends,  Rakesh Jhunjhunwala  (born 5 July 1960) is an Indian Investor and Trader.  He is a qualified Chartered Accountant.  He manages his own portfolio as a partner in his asset management firm, Rare  Enterprises.  Jhunjhunwala has been described by India Today magazine as the “pin-up boy of the current bull run”and by The Economic Times as “Pied Piper of Indian bourses”.  His wife Mrs. Rekha Jhunjhunwala.  They have three children.  Jhunjhunwala grew up in Mumbai, India where his father was posted as an Income Tax Officer.  He graduated from Sydenham College and thereafter enrolled at the Institute of Chartered Accountants of India.  Jhunjhunwala is the chairman of Aptech Limited and Hungama Digital Media Entertainment Pvt.Ltd. and sits on the board of directors of various Indian companies such as Prime Focus Limited,  Geojit BNP Paribas Financial Services Limited, Bilcare Limited, Praj Industries Limited, Provogue India Limited, Concord Biotech Limited, Innova synth Technologies (I) Limited, Mid Day Multimedia Limited, Nagarjuna Construction Company Limited, Viceroy Hotels Limited , Tops Security Limited  etc.  Jhunjhunwala’s stocks fell by up to 30% in December 2011.  He recovered his losses in February 2012.  These ups and downs forced him to reduce his vulnerability by trimming his portfolio to one-third.  His attempts to divest his Aptech stake had no takers.  In May 2012 he increased his stake in Aptech by 2.24% now holds 12.7%.  Jhunjhunwala invested $4.6 Million (INR 260 million) in A2Z Maintenance increasing his stake in the company by 3.57%, taking his stake in the company to 23.2 per cent.  Mr.Jhunjhunwala is very famous in Indian Stock Market.  When he purchase shares of any company, lots of investors also blindly follows his suit.  Please look into some of his investments.


Hi Friends, Please read and understand the quotes of Warren Buffett:


Hi Friends, Please read the following frequently asked answers.

1.       EBITDA                    : Earning Before Interest Taxes, Depreciation and Amortization.                                            It means: Gross Profit
                                         Minus Operating Expenses.

2.       EBIT                          : Earning Before Interest and Tax.

3.       EAT                           : Earnings After Tax

4.       CAGR                       : Compound Annual Growth Rate

5.     Balance Sheet        : A financial statement showing a Company’s assets, liabilities,                                            and  shareholders’                 
                                       Equity at a given rate.

6.    Bear Market          : A Stock Market where the majority of investors are selling (bears),                                      which causes a
                                     Prolonged decline in equity price, the opposite of bull market.

7.   Book Value          : The value recorded on the balance sheet at which the assets                                           would be valued at if the
                                  Company were liquidated.
     Bullion                   : Metal such as gold , that is formed into bars

9   Call Option            : The right to buy a specific number of shares at a specific price by                                     a fixed date.  The
                                    Buyer pays a premium for the right.

10.   Call                         : An option contract that gives the holder of the right to buy a                                               specified number of
                                    Shares by a fixed rate. 

11   Capital Gain:        : When a security is sold for more than the purchase price, For non                                     registered
                                  Securities, 50% of gain is added to income and taxed the inverstors’                                   Marginal Tax rate

12.   Capital Stock        :All the Shares of a Company.

13.   Cash Flow           : The inflows and outflows of cash in a company.

14.   Consolidated Financial Statement: Financial Statement that present the position of a                                      present company,
                                     And its subsidiaries as a whole.

15.   Current Assets    : Cash and other assets that will be converted to cash in the normal                                      course of business
                                 within one year.

11 Sep 2015

Hi friends, the below showed is the professionally managed and family owned companies in India. Investors please note it and comment.

 Thanking you,                                             see you later.


Hi Friends,   Share Pledging by Promoters – A Red Flag:
 If the promoters pledge more than 50% of holdings, that is a red flag.  At the recent order in June 2015, RBI  allowed lending Banks to acquire 51% or more stake in the pledged companies and also permitted to sell the pledged shares in open market of the lending bank intends.   According to a recent report from Prime Database, the value of pledged shares by promoters in National Stock Exchange (NSE) – listed companies rose to Rs.1-94 lakh crore in 2014-15, up 27% from Rs.1.52 lakh crore a year ago.  Promoters pledge shares to raise capital for the company, financing projects of group companies, inorganic growth or even for personal reasons such as buying a property.  Shares are generally pledged with non-banking financial companies, which extend loans up to 50 per cent of the value of shares pledged.  According to investment analyst, pledging can be viewed as positive if the shares are pledged as collateral to enhance the borrowing limit for short-term requirements or one-time needs.  However, investors should be worried if the number of pledged shares rises significantly. ” Pledging can become an issue if more than 50% cent of promoter holding is pledged or when more than 20 per cent of the company’s equity capital is pledged” – says an analyst.

In situations where the proportion of promoter holding pledged is high, a correction in stock prices can trigger margin calls which could lead to more pledging.  If the share prices fall below a threshold limit and the promoter doesn’t have additional shares to offer as margin of funds to repay the loan taken, the lender might invoke the shares, leading to a further fall in stock price. There have been cases in the past wherein lenders have invoked the shares and sold them in the market as promoters were unable to pay up on time.  Promoters also risk losing management control if a significant portion of their holding is pledged.  “Lenders are price-agnostic and will dump the shares at any available price as they are only interested in recovering their money.”  For the investor, it means significant losses.


Hi Friends,  Please read the meaningful nine Quotes from Swami SIVANANDA..

1.       Always do good to others.  Be selfless.  Mentally remove everything and be free.  This is divine life.  This is the direct way to Moksha or salvation.

2.       Desire nothing, give up all desires and be happy.

3.       Your duty  is to treat everybody with love as a manifestation of the Lord.

4.       Moral values, and a culture and a religion, maintaining these values are far better than laws and regulations.

5.       Humility is not cowardice, Meekness is not weakness.  Humility and meekness are indeed spiritual powers.

6.       Go beyond science, into the religion of metaphysics.  Real religion is beyond argument.  It can only be lived both inwardly and

10 Sep 2015


Hi Friends,  Please see the following five high growth Debt Free Companies.  Their market cap,  revenue growth for the last five years and profit after margin in the last five years are very impressive.  Company names are:   1. Akzo Nobel India Ltd.  2. Fag Bearing(I) Ltd.  3.  Sanofi India Ltd.  4.  Gujarat Mineral Development  Corporation Ltd.  5.  Lakshmi Machine Works Ltd.  These shares are good for long term investment.




Hi Friends,   Share Market – News update:

Mr. Aravind Subramanian, Chief Economic  Advisor of India told news papers that the Center's indirect tax collections grew 36.2% in August shows that our economy is growing.  This high growth is much higher than the asking rate of 18.8% for the fiscal 2015-2016.
The rate of GDP data (7% economic growth) and now the latest tax revenues, for August is a clear pointer that the economy is recovering.  The indirect tax collection in service tax (29%) recorded double digits growth.  Therefore investors in share market don’t go panic but to decide invest in shares for long term.  This website shows fundamentally strong shares .  Go through it and buy.  Today I put a post relates to Debt Free and well managed companies (5 numbers).  Please comment to my post and suggestions via email.

Good Luck.                                                                     See You Later.

Disclaimer:- This Website, its owner & contributor is neither a research analyst nor an investment advisor and expressing opinion only as an investor in Indian equities. He/She is not responsible for any loss arising out of any information, post or opinion appearing on this website. Investors are advised to do own due diligence and / or consult approved financial consultant before acting on any such information. Author of this website not providing any paid services and not sending bulk mails to anyone



Hi Friends,        - Proverbs.

The meanings of some of these phrases have shifted over the years, so a proverb might have originally had a different meaning than the one explained below.  This is a list of some of the most important and well known English Proverbs.  Only simple explanation is given.

1.       “Two wrongs don’t make a right.”   When someone has done something bad to you, trying to get revenge will only make things worse.

2.       “The pen is mightier than the sword.”  Trying to convince people with ideas and words is more effective than trying to force people to do what you want.

3.       “When in Rome, do as the Romans.” Act the way that the people around you are acting.  This phrase might come in handy when you’re travelling abroad notice that people do things differently than you’re used to.

4.       “The squeaky wheel gets the grease.” 

9 Sep 2015


Hi Friends,     The first Exchange traded fund  (ETF) was  launched in 1993 with the introduction of SPDR .  Since then , ETFs have continued to grow in popularity and gather assets at a rapid pace.  The easiest way to understand ETFs  is to think of them as mutual funds that trade like stocks.  Of course, trading like a stock is just one of the many features that make ETFs so popular, particularly with professional investors and individual investors who are active traders.  The attractive features are noted below.

The  Benefits of Trading Like a Stock:   The easiest way to highlight the advantage of the ETF trading like a stock is to compare it to the trading of a mutual fund.  Mutual funds are priced once per day, at the close of business.  Everyone purchasing the fund that day gets the same price, regardless of the time of day their purchase was made.  Because , like traditional stocks and bonds, ETFs can be traded intraday they provide an opportunity for speculative investors to bet on the direction of shorter term market movements through the trading of a single security.  For example, if the S & P 500 is experiencing a steep rise in price through the day, investors can try to take advantage of this rise by purchasing an ETF that mirrors the index (such as a SPDR), hold it for a  few hours while the price continues to rise and then sell it at a profit before the close of business.  Investors in a mutual fund that mirrors  the S & P 500 do not have this capability – by nature of the way it is traded , a mutual fund does not allow speculative investors to take advantage of the daily fluctuations of its basket of securities.  The ETF’s stock-like quality allows the active investor to do more than simply trade intraday.  Unlike mutual funds, ETFs can also be used for speculative trading strategies, such as short selling and trading on margin.  In short, the ETF allows investors to trade the entire market as though it were one single stock.


Hi friends—falling rupee- but not losing ground -- Indian currency has been among the strongest performers among emerging market.

Currency depreciated—
Indian rupee declined       -5.2%
Brazil-real                           -31%
S.African-rand                    -17%
Russian-ruble                     -15%
Indonesia-rupiah                -13%
From the above it is seen that our currency is going strong now also. But FIs continuing their selling in Indian stock market. The reasons are a) poor economic numbers b) currency pressure and US interest rate announcement expectation. So be careful and go only for long term.

Thanking you,                                                               see you later.

Disclaimer:- This Website, its owner & contributor is neither a research analyst nor an investment ad visor and expressing opinion only as an investor in Indian equities. He/She is not responsible for any loss arising out of any information, post or opinion appearing on this website. Investors are advised to do own due diligence and / or consult approved financial consultant before acting on any such information. Author of this website not providing any paid services and not sending bulk mails to anyone



Hi Friends,  Please read the Christian morning thoughts for your inspiration.

1.        The flowers appear on the earth, the time of singing has come, and the voice of the turtledove is heard in our land.

2.        My flesh and my heart may fail, but God is the strength of my heart and my portion forever.

3.        Your wife will be like a fruitful vine within your house; Your children will be like olive shoots around your table.

4.        Commit your work to the Lord, and your plans will be established.

5.       .Blessed be the Lord, my rock, who trains my hands for war, and my fingers for battle.

6.        Do not be anxious about how you should defend yourself or what you should say, for the Holy Spirit will teach you in that very hour what you ought to say.

7.        Not that I am speaking of being in need, for I have learned in whatever situation I am to be content.  I know how to be brought low, and I know how to abound.

8.        In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need.  I can do all things through Christ who strengthens me.                                                                  (Holy Bible).

Conclusion:     You can have such wonderful encounters with God when you approach His throne in the morning.  I encourage you to start praying when you wake up, if you aren’t already doing so.  When you wake with God you take Him with you too.  God Bless you as you live a life worthy of the calling.

Good Luck.                                                                   See You Later.

8 Sep 2015


Hi Friends,   How to utilize the Bull & Bear Market for Investing in Shares?
What is a Bull Market?      Bull Markets are markets where the MARKET is going up aggressively over a period of time.  As the market starts to rise, there becomes more and more greed in the stock market.  You see more and more people thinking, “Oh yeah let’s put money into the market because it’s going up. “ Bull Market shows optimism and prices going  increase.

What is a Bear Market?    The Bear Market definition is exactly the opposite of a bull market.  It’s a market where quarter after quarter and the market is moving down about 20 percent.  That signals a bear market, and when that happens people start to get really scared about putting money into the stock market.  That’s because they don’t know how to invest in share market.  Bear Market shows pessimism and prices going down.

How to use Investing in  a Bull and Bear Market?     Investing in shares is about taking advantage of fear and greed.  We like to buy when there’s fear.  In other words, when the Market is going down, we love to be a buyer.  When the market is going up, we love to be a seller.   The key thing to understand in Investing is that we move almost exactly the opposite of the way most people are moving in the marketplace.  We take advantage of the bulls and bears. Where most people feel really scared or nervous in a bear market, we’re looking to buy  Rs.5000 shares for Rs.1000/- bucks.  It’s like going to a flea market and everything is on sale, we get really excited.  Sometimes we get asked, “What if you buy the stock, and it goes down more?”  When we buy , we hope the stock goes down more.  We love to buy more when the stock goes down more.  When the stock goes up again, is great because that’s when we start to collect the profit.

Conclusion:   In conclusion , in a bear market or bull market, we pretty much do exactly the opposite of what  everyone else is out there doing. As  Investors we love taking advantage of bull and bear MARKETS.  For every rise there is a decrease and for every decrease there is a rise.  So wait for the correct time and take advantage.  Patience is the Mantra for share investment.  Thank you for reading my post and leave a comment and your suggestions in my e-mail.


Thanking you,                                                       see you later.                                              


Hi Friends,   Please read the positive thoughts and get your mind relaxed.
1.         True Beauty of Life  lies not in what the Eyes physically See but in what the Heart emotionally Feels.
2.         Happiness is when you feel good about yourself without feeling the need for anyone else’s approval.
3.         No matter how big your house is, How big your bank account is.  The Grave is still going to be the same size!  Stay Humble.
4.         Don’t regret knowing the people that come into your life....   Good people give you Happiness, Bad ones give you Experience.  The worst ones give
You Lessons, And the Best ones give you Memories.               
5.         Jealousy is just lack of self-confidence.
6.         What people think about you is not important.  What you think about yourself means everything.
7.         The most basic and powerful way to connect to another person is to listen.  Just listen.  Perhaps the most important thing we ever give each other
Is our attention... A loving silence often has far more power to heal and to connect than the most well-intention ed words.
8.        Life Soars when you start Dreaming,  Hope Surrounds when you start Believing,  Love Blooms when you start Caring. DREAM..HOPE..LOVE..
Have a Beautiful Life.
9.        Best Friends are aware of how Stupid you are, but still choose to be seen with you in public.
10.    We may encounter many defeats but we must never be defeated.
11.    One goes and another knocks at the door.  All we need is sharp ears to hear that knock.  Be aware of you insides and of your surroundings.  Be positive , be an optimist.  It never fails.

Good Luck.                                                           See you later.

7 Sep 2015


Hi Friends,  Please see the top three Profit Making Companies for your reference and investment for long term.

1.       NMDC:   NMDC, incorporated in 1958, is the largest iron ore producing and exporting company in India, presently producing about 30 million tonnes of iron ore from three fully mechanized mines at Bailadila Deposit-14/11C, Bailadila Deposit-5, 10/11A (Chattisgarh) and Donimalai Iron Ore Mines (Karnataka).  The company generates 98% of the revenue from the sale of iron ore to the domestic markets (86 per cent) and the rest comes from exports.   The company operates in a high margin business segment and has consistently paid dividend to the shareholders.  It now plans to expand and establish its presence as an integrated producer of iron and steel through selective value-addition projects.  The company has signed an MOU with the state government of Chhattisgarh to develop a steel plant with a capacity of 3 MTPA at Jagdalpur, and also has plans to develop a steel plant in Karnataka.  Company’s share is available at reasonable rate at PE 6.9.

2.       Cadila Healthcare Ltd:  The  pharmaceutical company that has been selling their products to over 50 countries in the world.  The company focuses on offering high quality and reasonable priced products so that it reaches every individual at affordable rates.  Their dynamic workforce works with lot of dedication as it deals with medicines that be very harmful to many with the slightest negligence.  The work culture is multicultural and multilingual.  Around 4000 people are employed including 200 non-Indians in 49 countries of Africa, CIS, Japan and US.  Share trades at PE 22.6.  Cadila Health Care Ltd. is one of the blue chip companies in India.

3.       Tata Steel Ltd.:  Tata Steel is among the top ten steel producing companies in the world with an annual crude steel production capacity of over 28 million tonnes per annum.  The company has a steel producing capacity in India, the  UK, Netherlands, Thailand,  Singapore, China and Australia. It is the third-largest steel producing company  after Steel Authority of India (14 MTPA) and JSW Steel (10.5 MTPA).  The company has captive iron ore mines which protect the company from any shortages of raw material and price volatility.  It is now in the process of increasing its crude steel making capacity through expansion projects at Jamshedpur (brownfield expansion from 6.8 MTPA to 9.7 MTPA) and Kalinganagar (Greenfield expansion of 6 MTPA capacity).  Both the plants will drive the growth of the company in the coming year.  The share is available at  below PE 5.

Good Luck.                                                      See You Later.


Hi Friends,   Furnished below are Top  four  profit making companies in India.

1.       ICICI  Bank:    ICICI Bank is the largest banks in India in terms of net profit.  It is also one of the private sector banks known  for its  aggressive business strategy.  The bank is under the leadership of its MD and CEO Chanda Kochhar and has strong and good management credentials.  ICICI  Bank is fancied by the traders as it has good volatile movement (with beta of 1.82), helping the traders to make money over a short term.  In the recent result most of its parameters have shown improvement.  The net interest margin (NIM) increased by 27 basis points to 3.01 per cent while its net NPA decreased by 38 basis points to 0.73 per cent on a Yo Y basis.  It is one of the leading banks which took the move of reducing the interest rate following the RBI’s action.  The bank is currently available at a price to earnings multiple of  13 times and price to book value of 1.50 times of  FY 15.

2.       Reliance Industries Ltd.:     Reliance Industries Ltd. (RIL)  through its groups, contributes around 3 percent of India’s gross domestic product (GDP).  No wonder the scrip is featured at the top among st the largest companies in India.  It now has another feather in its hat.  It is also the second-largest company on the net profit front.  It has posted a better net profit which stands next only to ONGC.  Reliance Industries is credited for bringing retail investors to the stock market.  It has not only done that but has also created immense wealth for the investors.  The company operates mainly in three business segments viz. Petrochemicals, refining and oil & gas.  Reliance Industries enjoys global leadership in its businesses, being the largest polyester yarn and fiber producer in the world and among the top five to ten producers in the world in major petrochemical products.  Apart from this, Reliance Industries has also diversified into other segments which include textile, retail business and special economic zone (SEZ) development .  Share is available at P/E – 12.

3.       Coal India:  Coal India is the largest coal producing company in the world.  The company, through its various subsidiaries, meets more than 80 per cent of the coal demand in the country.  It is one of the Maharatna PSUs.  The Company sells most of its coal at discount to the international prices.  Despite this its financial performance has been very robust in the last two years.  The key to its profitability is e-auction coal which is sold at the market price.  Currently it sells about 7 per cent of its total coal at the market price.  This has caused improvement in its financial performance with profitability ratios showing a multifold rise in the last two years.  The company in the trailing four quarters has made a profit of Rs.14,995 crore on total sales of Rs.58,012 crore.  Going ahead the company expects to keep its e-auction coal at the current level.  Its production target for the current fiscal is set at 468 million tonnes.

4.       NTPC:   State-owned National Thermal Power Corporation (NTPC) is the largest power generating company in the country.  It has a total power generation  capacity of 37,514 MW.  The company has diversified operations in power generation, coal mining, power equipment manufacturing, power trading, etc which makes it an integrated company in the power sector with presence in the entire value chain of power generation .  Currently up to 84 per cent of its capacity is coal based while 16 per cent of the capacity is gas-based.  The company is also developing about 1,000 MW of renewable energy capacity  which will be commissioned by 2017.  It has ambitious plans to become a 75,000 MW company by 2017 and 1,28,000 MW company by the year 2032.  NTPC represents 19 per cent of the country’s total generation capacity which is pegged at 1,99,627 MW.  In the trailing four quarters it had total income of Rs.61,586 crore while its net profit in the same period remained at Rs.9412 crore.  Share is a available at P/E – 9.

Good Luck.                                                                See You Later.

6 Sep 2015


Hi Friends,   Please read the Quotes.

1.       I need to go on meditation, so I can slap stupid people and Blame it on the side effects.

2.       Laughter is the best medicine.  But, if you are laughing without any reason, you need medicine.

3.       Wise men talk because they have something to say.  Fools, because they have to say something.

4.       The difference between stupidity and genius is that genius has its limits.

5.       Follow your heart but take your Brain with you.

6.       Common sense is like deodorant.  The people who need it most never use it.

7.       INTERNET  please let me sleep.  I like sleep.

8.       The best things in life are free.  The second best are very expensive.

9.       When your parents leave you home alone;  “Well, it’s time to teach the neighbors What good music is”.

10.   Sleeping is my drug, my bed is my dealer,  and my alarm clock is the police.

11.   We live in an age when Pizza gets to your home before the police.

12.   A man came to my door and asked if could donate to the local swimming pool and came back with a glass of water.

13.   I never run with scissors.  Those last two words were unnecessary.

14.   I am not Arguing.  I am simply explaining why I am right.

15.   I was born intelligent but education ruined me.

Thanking you,                                                         See You Later.


Hi Friends,   Money Market & Capital Market:

In order to understand what the differences between things are  you first need to understand what each of items is.  In this case before you can understand the difference between capital markets and money markets you are going to need to understand what capital markets are and what money markets are.  Once you understand the two items are it will be easier to see what the difference or differences are  between the two markets.

Capital Market:  Basically the capital market is a type of financial market, it includes the stocks and bonds market as well.  But in general the capital market is the market for securities where either companies or the government can raise long term funds.  One way that the companies or the government raise these long term funds is through issuing bonds , which is where a person buys the bond for a set price and allows the government or company to borrow their money for a certain time period but they are promised a higher return for allowing them to borrow the money, the higher return is paid through interest that accrues on the money that the government or company borrows.  Another way that the companies or government can raise money in the capital market is through the stock market, most of the time you don’t see the government as a part of the stock market, but it can actually happen so we need to include them.  But how the stock market works is that the companies decide to sell shares of their stock, which is basically ownership in the company, to ordinary people and other companies, as a way to raise money.  The people who buy the stock are usually given dividends each year, if the company has agreed to pay out dividends, so that is another possible return on their investment.  The capital market actually consists of two markets.  The first market is the primary market and it is where new issues are distributed to investors , and the secondary market where existing securities are traded.  Both of these markets are regulated so that fraud does not occur and in India SEBI (Securities and Exchange Board of India).

Money Market:   Basically the money market is the global financial market for short-term borrowing and lending and provides short term liquid funding for the global  financial system.  The average amount of time that companies borrow money in a money market is about thirteen months or lower.  Some of the more common types of things used in the  money market are certificates of deposits, bankers’ acceptance, repurchase agreements and commercial paper to name a few.  Basically what the money consists of is banks that borrow and lend to each other, but other types of finance companies are involved in the money market.  What usually happens is the finance companies fund themselves by issuing large amounts of asset backed commercial paper that is secured by the promise of eligible assets into an asset backed commercial paper conduit.  Your most common examples of these are auto loans, mortgage loans, and credit card receivables.

Difference:   Basically the difference between the capital markets and money markets is that capital markets are for  long term investments, companies are selling stocks and bonds in order to borrow money from their investors to improve their company or to purchase assets.  Whereas money markets are more of a short term borrowing or lending market where banks borrow and lend between each other, as well as finance companies and everything that is borrowed is usually paid back within thirteen months.  Another difference between the two markets is what is being used to do the  borrowing or lending.  In the capital markets the most common thing used is stocks and bonds, where as with the money markets the most common things used are commercial paper and certificates of deposits.

Good Luck.                                                           See You Later.