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

19 Sep 2015


Hi friends,  the following are for your reading and thinking.

I.            Doubting yourself.

II.           Negative thinking.

III.          Fear of failure.

IV.         Destructive Relationships.

V.          Gossiping.

VI.         Criticizing yourself & others.

VII.         Anger.

VIII.       Comfort eating.

IX.         Laziness.

X.          Negative Self Talk.


Hi Friends,  Dividend payment is a process by which companies share net profit with its shareholders.  Increase in dividend payouts means companies net profit is improving.  Companies which are able to grow its profit year after year are good.  These companies are more confident about its future cash flows.  Hence they dare to distribute large amount of PAT as dividends.  Dividend stocks offer 2 clear benefits to investors.  First, they generate short term income.  This income is both consistent and also grows.  Secondly they also provide capital appreciation when held for long term.  High inflation rate in India makes other risk-free investments less lucrative.  As dividend in tax free, it clearly enjoys advantage over other risk-free options.  The fact that dividend stocks can also provide capital appreciation makes them so special. 

There are more buyers of dividend paying stocks than sellers.  But there is an exception during market crash.  During market crash sellers dominate the market daring crash market price of stocks falls.  But this makes dividend stock holders even more happy.  They buy more dividend stocks during every price-fall.  Value investors consider high dividend yield as a strong value indicator.  If quality stock is yielding high dividend it is considered as undervalued.  Improving sales and profits figures are one of the strongest fundamental indicators of quality stock.  Selecting of highly paid dividend paying companies are very difficult.  Fluctuating dividend and weak fundamentals are main hurdles in identifying good dividend stocks.  Take example “Stride Arcolab” was yielding dividend of 33% p.a.  Today its yield is close to 55%.  But are such high yields sustainable.  Look into P&L account of Strides Arcolab.  Profit of the company has been most wavering.  Net profit for the last 5 years was 55.99,  117.92,  73.56, 105.51 & 6.14 (Cr.).  See the volatility of earning.  But such companies pay high dividend.  Comparing all the parameters I furnished below, top 10 dividend paying companies for investors look.


Dear friends, Please see the below comedian quotes for your reading and thought.

“If you ever see me getting beaten by the police, put down the

video camera and come help me.”
–Bobcat Goldthwait

“I’ve been doing the Fonda workout: the Peter Fonda workout. That’s where I wake up, take a hit of acid, smoke a joint, and run to my sister’s house and ask her for money.”

–Kevin Meaney

“My mom said she learned how to swim. Someone took her out in the lake and threw her off the boat. That’s how she learned how to swim. I said, ‘Mom, they weren’t trying to teach you how to swim.’ ”

–Paula Poundstone

“In elementary school, in case of fire you have to line up quietly in a

single file line from smallest to tallest. What is the logic? Do tall
people burn slower?”
–Warren Hutcherson

“I have six locks on my door all in a row. When I go out, I lock every

other one. I figure no matter how long somebody stands there picking the
locks, they are always locking three.”
–Elayne Boosler

“Ever wonder if illiterate people get the full effect of alphabet soup?”

–John Mendoza
“Today I met with a subliminal

18 Sep 2015


Hi Friends,   Blue Chip Companies are considered most stable stocks for investing.  When one invests in blue chip stocks it is considered best for long term returns. Fundamentals of blue chip companies are very strong.  Blue chip companies  can make profits even in bad times.  These stocks display excellent dividend payout history.  When the company can distribute dividends even in bad times, it shows how confident they are about their cash inflows.  Such assured cash  inflow, can happen only when company is making profits.  Another noted merit point is strong management. Other plus point – No matter how will the company is operating, but it is not taking care to enhance shareholders value, all efforts will go in vain.  Share holder can benefit from stocks in only two ways.  One, by market price appreciation of stocks. Second, by earning by dividends.  A company which is able to grow its EPS and yield high dividends will be surely liked by investors.  Blue chip companies give this.

Selecting blue chip company is very difficult.  Considering the profit and loss account, PE ratios, profit earning ratios, debt equity ratio and also looking the company’s size is it a very large company, established company, management efficiency, nature of business, shareholders value, price valuation etc. the following few companies are eligible in the category of blue chip.

1.       HCL Technologies:   (Market Cap – 136263.59, Revenue last financial year – 16497.37, EBITDA last financial year – 7375.64).

2.       T C S :  (Market cap – 535626.10,  Revenue last financial year – 73582.15,  EBITDA last financial year – 21028.35).

3.       India  Bulls Housing:  (Market Cap – 28875.19,  Revenue last financial year – 5684.60,  EBITDA last financial year – 5069.87).

4.       Power Finance Corporation: (Market Cap – 31680.98,  Revenue last financial year – 21526.98,  EBITDA last financial year – 20791.63)

5.       Rural Elect. Corporation: ( Market Cap – 26103.51,  Revenue last financial year – 17114.89,  EBITDA last financial year – 16567.49).

6.       Lupin : (Market cap – 78,973.96,  Revenue last financial year – 9845.98,  EBITDA last financial year – 3202.45).

7.       ITC:  (Market cap – 2,52,498.66,  Revenue last financial year – 50389.01,  EBITDA last financial year – 13280.05).

Considering shareholders’ value for the last 3 years and market price valuation PEG for the last 5 years , the above seven companies are coming under blue chip.

Try Your 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, furnished below are the quotes of Maharishi Mahesh Yogi.

“Success in anything is through happiness” -  “We must take situations as they are. We must only change our mental attitudes towards them”- “The important thing is this: to be able, at any moment, to sacrifice what we are for what we could become” -  “Life finds its purpose and fulfillment in the expansion of happiness” -  “Whatever we put our attention on, will grow stronger in our life”  “Life is all business. Spend your energy to get joy, happiness, evolution, and to gain more ability to enjoy. In this field we spend our energy. We never use our time, energy, speech, or ability to do something that doesn’t help us grow and improve our life. It’s not worth it.” -  “Fulfillment is structured in achievement, Achievement is structured in action, Action is structured in thinking, Thinking is structured in knowledge, Knowledge is structured in consciousness” -  “In the field of knowledge is all possibility.”  “Transcendental Meditation opens the awareness to the infinite reservoir of energy,

17 Sep 2015


Hi Friends,   In the present share market condition it is better to invest in good cash rich pharma shares which have good R & D facilities and American  FDA approvals.  Because their quality medicines have expected higher sales in foreign countries so as to enable them to earn the profits in foreign currency.  They will not affect by any depreciation of Indian Currency.  Demand of medicine is always increasing year by year even though the modern science & technology developed.  Ancient diseases are vanishing and new type of diseases are increasing in different parts of the world.  So R & D will help to discover new medicine and also open new market there.  One way to increase the sales of Drug Companies is to take over suitable pharmaceutical companies there.  Because these companies are sitting with huge cash balance.  Please see the cash flows of 10 firms grew in the past four years.

Name of the          2011        2012          2013              2014  in crores.        

Sun Pharma          1477.00   1690.10    2691.16         4465.80       4465.80(2015)

Dr.Reddy Lab         799.90      201.30    1221.10         1945.50       2090.30(2015)

Lupin                       635.50     668.90       588.10         1146.80      2536.20(2015)

Aurobindo-             742.30     445.10       382.90           763.90       1330.00(2015)

Cipla                        942.30     959.60     2115.40         1291.10      1338.20(2015)

Cadila Health Car   510.50   1370.90       889.20           374.10        642.50(2015)

Gelmark Pharma    495.00     443.00       843,20           755.10        680.90(2015)

Jubiliant Life          998.00   - 181.60        520.10          357.90        280.60(2015)

Torrent Pharma      326.90     293.00        173.20          685.80      2022.40(2015)

Wockhardt            7195.90   8215.70      8711.60       12668.20    15666.20(2015)     

At the end of the last financial year, the above top ten Indian Pharmaceutical Companies had been cash flow of Rs.15666 crores  i.e. more than double from Rs.7,195 reported 5 years before.  In the same period , the 10 year US Treasury yield dropped 2.18% from 3.87% bringing down the cost of finance for doing acquisition in the US substantially.  Lupin acquired US based Gavis Pharmaceuticals and Nobel Laboratories for $880 M.  Cipla acquired another company in US for 550 M $ recently.  Aurobindo Pharma acquired during 2014 a US Company for $ 132.5 million.

Today 17.09.2015, Newspaper reported sun Pharma is set to acquire US based eye-care company


Hi friends, Please read the following best comedian quotes and enjoy it.

“My mom said she learned how to swim. Someone took her out in the lake and threw her off the boat. That’s how she learned how to swim. I said, ‘Mom, they weren’t trying to teach you how to swim.’ ”
–Paula Poundstone

“In elementary school, in case of fire you have to line up quietly in a
single file line from smallest to tallest. What is the logic? Do tall
people burn slower?”
–Warren Hutcherson

“I have six locks on my door all in a row. When I go out, I lock every
other one. I figure no matter how long somebody stands there picking the
locks, they are always locking three.”
–Elayne Boosler

“Ever wonder if illiterate people get the full effect of alphabet soup?”
–John Mendoza

“Today I met with a subliminal advertising executive for just a second.”
–Steven Wright

“Relationships are hard. It’s like a full-time job, and we should treat
it like one. If your boyfriend or girlfriend wants to leave you, they
should give you two weeks’ notice. There should beseverance pay, and
before they leave you, they should have to find you a temp.”
–Bob Ettinger

“ “I haven’t taken my Christmas lights down. They look so nice on the
–Winston Spear

Thanking you,                                            see you later.

16 Sep 2015


Hi Friends,   Debt Free Companies are  considered to be  low risk companies.  Because its interest burden is nil.  Net profit margin will be high.  Investors can expect higher dividend payouts.  Chances of getting Bonus share is also high if the company shows high growth.  Generally debt free companies are good bet for investment.  The investors should compare sales turnover of company with its nearest competitors.  There, a combination of high sales growth and low debt is ideal.  Investors must keep track of such companies and also, companies maintaining high profit margins automatically becomes most preferred by investors.  I give below details of 5 such companies for your perusal and decision.                                                                                                                                                                                                     
1.       One life Capital Advisers Ltd:   (Share Price Rs.40.20)  .     OCAL offers advisory services to corporate, HNIS , Family Offices etc.   A team of experienced professionals ensures intelligent solutions from basic strategies to achieve end objectives.  Its market cap is 464.93 M.  Total debt/equity ratio – 0.00,  Revenue growth (5 years %)- 75.55,  Profit after tax margin (%) – 11.95.

2.       Shree Hari Chemicals Export Ltd: (Share Price Rs.94/-):   Established in 1987.  CHCEL is one of the leading largest manufacturer and exporter of best quality Dyes intermediate (H Acid) in India.  Its market cap is 444.19 M,  Total debt/equity ratio –0.00, Revenue growth (5 yrs %) – 13.63, Profit after tax margin (%) – 24.48.

3.       Vesuvius India Ltd. (Share Price Rs.655/-):   Vesuvius is a company of experts, present around the world, they deliver solutions to their customers to improve their efficiency.  They offer design and engineering product and operations management.  Its market cap is 15.64 B, Total debt/equity ratio – 0.00,  Revenue growth (5 Years%) – 12.53,  Profit after tax margin (%) – 9.51.

4.       Gold crest Corporation Ltd. ( Share Price Rs.24.75):  Incorporated in the year 1983, is a small cap company operating in finance sector.  Its market cap is 219.52,  Total debt/equity ratio – 0.00, Revenue growth (5 years%) – 19.49, Profit after tax margin (%) – 10.90.

5.       Anugh Pharma Ltd. (Share Price Rs.318.50):  One of the leading manufacturers of Active Pharmaceutical ingredients (APIS) registered in 1960 has grown several folds.  Today it is one of the largest producers of macrolides in the country.  Its market capitalization is 8.54 B, Debt equity ratio – 0.00, Revenue growth ( 5 years%) – 11.51, Profit after tax margin – 7.75.



HI FRIENDS, Please read the Quotes of Dr.A.P.J. Abdul Kalam.

15 Sep 2015


Hi Friends,  Furnished below are some small cap company shares for investment recommended by some equity analysts.

1.       Kalpataru Power Transmission:  Recommended by Sharekhan.   Target Price – Rs.325/-  Current Market Price – Rs.239/-  (14.09.2015).  Why Buy:   For Q1  FY 2016, Kalpataru Power Transmission Ltd. (KPTL)’s sand-alone reported a very healthy earnings growth of 16% YoY to Rs.48 crore ahead of estimate.  KPTL (standalone) is having Rs.5,600 crore worth of orders in hand and LI of around Rs.2500 crore.  However, the management lowered its revenue growth guidance for 2015-16 from 15% to 10%, given the slower conversion of LI orders into firm orders.  On the positive side, the brokerage house expects operating margin of its standalone business to improve (above 10%), with the turnaround of its infrastructure business and depletion of the legacy projects.  Sharekhan is positive on the KPTL.

2.       Va Tech Wabag: Recommended by ShareKhan.  Target Price – Rs.850/-,  CMP – Rs.687/-(14.09.2015).  Why buy:  For Q1  FY 2016, Va Tech Wabag (VTW) reported very weak consolidated earnings, despite a strong growth recorded by its standalone entity, due to losses incurred by its overseas subsidiaries.  The standalone earnings doubled YoY to Rs.17 crore in Q1 FY 2016, backed by 98% revenue growth and 241 basis points of OPM expansion.  However the overseas subsidiaries surprise negatively with a net loss of Rs.17 crore, as revenue declined by 26% YoY and it turned negative at operating level with substantially higher employee cost due to extended stay of employees at Oman based desalination project (worth Rs.5 crore).  Further , VTW has provided  Rs.5 crore towards liquidity damage as a conservative and prudent accounting practice.  These two are exceptional costs of Rs.10 crore which pressurized the subsidiaries’ result.  Consequently, the consolidated entity reported a net loss of Rs.10 crore in Q1 FY 2016, as against a profit of Rs.6 crore in Q1 FY 2015.  The order inflow has been healthy in this quarter at Rs.1,106 crore, taking the order backlog to Rs.7,631 crore (including framework contracts worth Rs.1,542 crore).  Sharekhan believes ,


Hi Friends,   Furnished below are few inspirational thoughts.

1.       Relationship Status:
(   )   Single
(   )   In a relationship
(   )   Married
(   )   Engaged
(   )   Divorced
(x ) Waiting for a miracle

2.       Who says nothing is impossible,  I have been doing nothing for years.

3.       Take my advice.  I don’t use it anyway.

4.       Life is always offers you a second chance.  It is called tomorrow.

5.       At night, I cannot sleep.  In the morning I cannot wake up.

6.       My friend thinks he’s smart, he said onions are the only food that make you cry.  So I threw a coconut at his face.

7.       Dear sleep,

14 Sep 2015


Hi Friends,  The Reserve Bank of India has worked as efficiently as any top central bank of the world right from its inception.  It was blessed with absolute independence to control or manage monetary liquidity, price stability, exchange rate’s stability and later on financial stability also in India.  The Governor and his team have ably served the nation during all the financial storms and crisis domestic as well as external, that beset the country.  (Business Line).

In a central bank dominated by the government, the temptation to tamper with various instruments of monetary policy in order to achieve the Government’s objectives, would be hard to resist.  For instance, the Ministry of Finance could want to reduce interest rate to push up demand, without considering the impact of rate cut on foreign inflows, depreciation of the rupee and increase in domestic money stock and inflation.  There could be many more such examples.  This situation can only be countered by having a robust Governor with absolute independence in charge of the RBI.  RBI Governor  previously lowered the interest rate .75%.  But the Bankers did not reduce the same rate to customers. Why they not? PSU banks are owned by Govt.  Even then why Finance Department is not taking suitable steps to pass over the rate cut to customers fully.


Hi Friends,    US, Federal Reserve, Federal Open Market Committee (FOMC) will convene two days’ meeting start from 16.09.2015.  Main Agenda is whether interest rate to be hiked or not.  Last rate hiked during 2006.  Present US interest rate is 0.025% w.e.f. 12/2008 onwards.

Effect:  a.    Indian Share Market:  Foreign Institutional Investors invested in our shares during the last 5 years about 10,200 crore dollars.  If US increase the interest rate , FIIS will liquidate their holdings and go back to their home country for investment.  If they start liquidating their holding in India, our Share Market will crash.  Our Indian Institutions’money power is limited.

b.   Real Estate:  No direct investment by the foreign institutions.  Hence the after effect is neutral.

c.   Foreign Currency: If interest rate will increase US Dollar will be stronger and other world currency will be fluctuated to maximum low.  It will affect our industry people. As per RBI’s data published 2015, business industries have availed loan of 18,200 dollar from foreign countries.  If interest rate increase, industries will face problems to pay back  the foreign currency loan.  Because they have to find out more Indian Rupees to buy dollars.

d.   Gold Market:  Now the Gold


Hi Friends,   Please read the positive thoughts.

1.       Keep your thoughts positive because your thoughts become your words.  Keep your words positive because your words become your behaviours.  Keep your behaviours positive because your behaviours become your habits.  Keep your habits positive because your habits become your values.  Keep your values positive because your values becomes your destiny.

2.       When  you judge another, you do not define them, you define yourself.

3.       Soon the child’s eye is clouded over by ideas and opinions, preconceptions and abstractions.  Simple free being becomes encrusted with the burdensome Armour of the ego.  Not until years later does an instinct come that a vital sense of mystery has been withdrawn.  The sun glints through the pines, and the heart is pierced in a moment of beauty and strange pain, like a memory of paradise.  After that day, we become seekers.

4.       He who knows others is wise.  He who knows himself is enlightened.

5.       If you realized how powerful your thoughts are, you would never think a negative thought.

6.       The spiritual journey is individual, highly personal, it can’t be organized or regulated.  It isn’t true that everyone should follow one path.  Listen to your own truth.

7.       A person does not have to be behind bars to be a prisoner.  People can be prisoners of their own concepts and ideas.  They can be slaves to their own selves.

8.       You may believe that you are responsible for what you do, but not for what you think.  The truth is that you are responsible for what you think, because it is only at this level that you can exercise choice.  What you do comes from what you think.

9.       Your Task is not to seek for love, but merely to seek and find all the barriers within yourself that you have built against it.

10.   Make a gift of your life and lift all mankind by being kind, considerate, forgiving , and compassionate at all times, in all places, and under all conditions, with everyone as well as yourself.  This is the greatest gift anyone can give.

Good Luck.                                                                    See You Later. 

13 Sep 2015


Hi Friends,  Today I am furnishing about the benefits of investing in small cap shares in long term.

Shares of small cap companies  outperformed blue chips in the past one year.  The BSE Small cap  index gained 16.9% to 11,891.91Cr on August 18 this year as compared to 10,168.80 Cr on August 19 last year.  On the other hand , the small cap index jumped 5.34 % during the same period.  Some of the examples are Stampede Cap, Ricoh India, Rajesh Exports, Gayatri Projects and Bliss GVS Pharma surged 432%,  332%,  and 311%,  296% and 288% to Rs.617.25,  Rs.846 and Rs.604.95, Rs.469 and Rs.179.6, respectively , during this period.  Rasoya Proteins (down 98.43% to Rs.0.27), PMC Pincorp (down 97.75% to Rs.3.47) and Centron (down 97.48% to Rs.0.5) dipped the most and stood among the bottom in the performance chart of the BSE Small cap index.  Jimeet Modi,  Chief Executive Officer, SAMCO Securities, said, ”More and more retail investors are entering the stock market in the hope of earning quick profits.  The potential to double money in such small cap stocks are higher compared to the large cap stocks.  This is because most of small cap companies tend to grow at the faster rate in an environment of growth in the country.  Large cap companies are already well established and therefore are available at fair valuation and have appreciated in tandem with growth number.”  Analysts recommend small cap companies as a good bet for investors in the long run .  Here are some top picks for your diversified portfolio.

1.       M.T. Educare : Recommended by Angel Broking.  Current Market price (CMP) Rs.122.50.(12.09.2015).  Why buy:  The brokerage house expects MT Educare to report a strong top-line and bottom-line growth in the coming financial years (FY 2016 E and FY 2017E) on back of the healthy growth in its coaching business (school,  IIT entrance, science and commerce).  This would be owing to its strong brand image and with it implementing innovative teaching technologies.  Further , Angel Broking expects additional revenue growth from execution of government projects.  Robomate product, and tie up with Shri Gayatri Educational Society (SGES) in Hyderabad which has a model similar to pre-university (PU) colleges.  Its public issue was in 2012.  Today, MT Educare is truly a national player with multi-city presence and a diverse product port folio,  standing a class apart due to technology enabled business processes, digital content delivery and 24x7 online support for the courses offered. 

2.       Thomas Cook (India): Recommended by : Sharekhan, Target Price Rs.265/-,  CMP  Rs.200.55.(11.09.2015).  Why Buy:  In line with its long term growth strategy, Thomas Cook India (TCIL) has entered into an agreement with the Kuoni Group to acquire Kuoni’s travel businesses in India and Hong  Kong for a consideration of Rs.535 Crore.  At the combined revenue of Rs.1,410.5 crore (Indian operations at Rs.897 crore plus  Hong Kong operations at Rs.514 crore), the deal is valued at price to sales of 0.38.  TCIL has cash and cash  equivalent of above Rs.500 crore and hence the acquisition will not put any significant stress on the balance sheet.  The deal is expected to complete by December 2015.  The acquisition of Kuoni India will make TCIL a strong player in the branded outbound and inbound tourism space in India.  Also SOTC (Kuoni’s brand) has a strong


Hi Friends,  Please read the quotes of Swami Osho.

1.       Nobody else can destroy you except you; nobody else can save you except you.  You are the Judas and you are the Jesus.

2.       The less the head, the more the wound will heal.  No head there is no wound.  Live a headless life.

3.       Move  as a total being, and accept things.

4.       When you really laugh for those few moments you are in a deep meditative state.  Thinking stops.  It is impossible to laugh and think together.

5.       Don’t be bothered by perfection.  Replace the word ‘Perfection ‘ by ‘Totality’.  Totality will give you a different dimension. 

6.        NOW is the only reality .  All else is either memory or imagination.

7.        Get out of your head and get into your heart.  Think less, feel more.

8.        The only thing that matters in life, is your own opinion about yourself.

9.       All your knowledge is dust.  Knowing is your purity, knowledge is dust.

10.    Don’t be angry at life.  It is not life that is frustrating you, it is you who are not listening to life.

Good Luck.                                                         See You Later.