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

26 Sep 2015


Hi friends, 20 companies with the highest debt to market cap-
When it comes to leverage, debt to equity is the first ratio which is checked. Since the last year the debt condition of many companies, like those in the infrastructure and the capital goods domain, is worsening. The stock market seems to be staying away from them. They have been selling their projects to restructure debt.
Another ratio which measures leverage is the debt-to-market-cap ratio. The debt-to-market-cap ratio over 1 means that the company has more debt than its current market value. Such companies will increasingly find it difficult to raise fresh funds. Also, their stock prices will remain in check. We checked the debt-to-market-cap ratio of the BSE 500 companies and found that it is at a record level. Following is the list of top 20 companies with the highest debt-to-market-cap ratios.
Company Name
Net Worth
Market Cap
Debt to


Hi friends, 10 Important Points to remember in life
Some of the things, i want to keep public for everyone. Please read them and try to follow in your life because your life is not only yours, your actions can destroy a being.

1. Show respect for everyone who works for a living, regardless of how trivial their job.

2. Never give up on anybody. Miracles happen everyday.
3. Be brave. Even if you're not, pretend to be. No one can tell the difference.
4. Give people a second chance, but not a third.
5. Don't burn bridges. You'll be surprised how many times you have to cross the same river.
6. Become someone's hero.
7. Marry only for love.
8. Keep a note pad and pencil on your bed-side table. Million-dollar ideas sometimes strike at 3 a.m.
9. Beware of the person who has nothing to lose
10. Don't expect life to be fair.

Good luck                                                  see you later.

25 Sep 2015


Hi Friends,  Increase percentage of pledging shares, by company promoters make risk to investors a lot.  Promoters or large share holders of a company can pledge their shares as collateral to raise funds, which can be used either in the same business or outside.  Promoters may decide to pledge shares for various reasons.  For example, if a company already has a fair amount of debt on its books and lenders need collateral to lend more funds, this could lead to promoters pledging their shares.  Although promoters may have pledged their shares to raise funds which might be in the longer term interest of the company , it increases risk for other investors, especially retail.

Sometimes, if market begins to fall because of some macro economic reasons, which may or may not affect the fundamentals of various companies, stocks of such companies can still fall because the mood in the market  has turned negative or bearish.  The problem for a company with pledged shares will arise when its stock price falls close to the value agreed in the contract and the lender may be forced to sell shares in the open market to recover the loan amount.  This sudden and large supply of shares in the open market will further depress the share price.  In fact, anticipation in the market that the lender may  have to sell shares at some point can also bring down prices, forcing the lender to actually sell the stock.  In between all these market complications, the retail investors may get trapped.  Even if one wants to exist, doing so , may not be possible without suffering a significant loss in value of shares.  Remember that all this is not happening because something has suddenly gone wrong with the company.  It is happening simply because promoters pledged their shares to raise funds for some reason and the lender is selling.

Cause for Concern -  See the following companies and their percentage of shares pledged .  1.  Steel Co Gujarat.  Share Holding 75%, share pledged 100%.  2. AGC Net Works.  Share Holding 75%,  Share pledged 100%.  3.  OCL Iron.  Share Holding 75%, share pledged 40%.  4.  OCL India.  Share Holding 74.66%, Share pledged 68.31%.  5. Emami. Share Holding 72.47%, Share pledged 25.94%.  6.  Shirpur Gold.  Share Holding 72.71%, share pledged 67.50%.  7.  Fortis Health.  Share Holding 71.20%,  share pledged 70.34%.  8.  Sakthi Sugars.  Share Holding 70.12%,  share pledged 11.13%. 9.  Kwality.  Share Holding 69.56%,  share pledged 28.72%.  10.  IL & FS Transport.  Share holding 69.48%, shares pledged 100%.  11.  Andhra Cement.  Share holding68.79%, shares pledged 55%. 12.  Tech N Vision .  Share Holding 68.37%, Share pledged 40.79&.  13. B.S. Ltd.  Share holding 64.12%,  shares pledged 69.79%.  14.  Empee Sugar.  Share holding 63.43%,  shares pledged 76.82%.  15.  Kerala Ayurveda Pharmacy.  Share holding 61.52%, Shares pledged 61.93%.  16. Essar Ports.  Share holding 61.15%.  Shares pledged 100%.  17.  Jayaprakash Power.  Share holding 60.69%, Pledged shares 99.73%.  The list is not ending here.

Conclusion:  There should be reasons for promoters to have pledged their shares, but at a higher level, it is a problem.  Higher proportion of pledged shares is normally accompanied by higher debt in the companies’ books.  A combination of these factors is a red alert for long term investors who are investing based on fundamentals.  Investors should understand risks associated with such companies before investing.

Good Luck.                                                                    See You Later.


Hi Friends, Please read the following and think about it.

1.       Big House                                  -               Small Family

2.       More Degrees                                             Less Common Sense

3.       Advanced Medicine                                   Poor Health

4.       Touched Moon                                           Neighbor unknown

5.       High Income                                               Less Peace of Mind

6.       High I Q                                                       Less emotions

7.       Good Knowledge                                       Less Wisdom

24 Sep 2015


Hi friends, As market fall, why experts are betting on these 5 stocks.

The BSE Sensex fell below 25,000 mark for the first time in the past 15 months on September 7, 2015. During the period, the index touched its closing high of 29,681.71 on January 29, 2015 and low of 24,805.83 on June 4, 2014. According to a brokerage house Sharekhan, the Indian equityMARKET  got caught in the wave of global volatility driven by a meltdown in the Chinese equity market that was followed by a knee-jerk reaction from the Chinese authorities to control the situation and support the economy.

The benchmark indices snapped two-day winning streak on September 10 (Thursday) and closed around 0.40 per cent lower than their previous close.
Amid the rising uncertainty, foreign investors pulled out of risky assets including equities of emerging markets (EMs) like India, which witnessed record outflows of over Rs 17,000 crore in August this year. On the other hand, the domestic institutional investors remained buyers providing vital cushion to the stock market.

This calendar year, Sensex has corrected around 10 per cent at 24,893.81 on September 7. In the BSE 500 index, 234 stocks under performed the Sensex during the period. Out of 234, 28 stocks declined over 50 per cent during January 1 and September 7.On the other hand, share price of Rajesh Exports, Tata Elxsi and Chennai Petroleum Corporation jumped 210 per cent, 185 per cent and 174 per cent to Rs 461, Rs 1725 and Rs 200 respectively during January 1 and September .

Below are a few stocks on which experts are bullish on:


Recommended By: JM Financial

Target Price: Rs 134

Why Buy: The share price of thermal power giant NTPC has corrected 25 per cent since March 2015. According to JM Financial, the stock is looking attractive due to high earnings visibility on regulated RoEs, strong balance sheet with 21 per cent of CMP in liquid assets, and high growth from FY17/18 which can potentially add 35 per cent to regulated asset base and earnings. Moreover, despite low power demand led low plant utilization (PLF), NTPC continues to earn regulated RoEs based on its plant availability (PAF), thus limiting downside.

On September 8, NTPC was trading 2.44 per cent higher at Rs 115.40 in the late morning trade.

YES Bank

Recommended By: Bank of America Merrill Lynch (BofA-ML)

Target Price: Rs 1150

Why Buy: On a year-to-date basis the share price of YES Bank declined over 15 per cent to Rs 650.30 on September 7. According to BofA-ML, the share price of the company declined on concerns about asset quality. The global financial services firm believe the share price of the company can jump further 70 per cent from its present level.

In the noise about the bank’s asset quality, BofA-ML believes that the ‘build-up’ of its branch banking franchise is clearly being ignored. A large part of this is already visible on liability side. The focused approach toward customer acquisition and building a branch-centric model should ultimately lead to the desired/expected full ‘retail’ model. What will aid the “retail-ization” faster is the under-utilized distribution (~40-45% of current branches) and the plan to increase branches by ~2.5x, to 1,500, by March 2018 (vs. 662 now).


Recommended By: Sharekhan

Target Price: Rs 460

Why Buy: Marco's stock price has corrected by almost 15 per cent from its high in the current weakMARKET  conditions. According to the brokerage house, with less propensity to the effect of lower monsoon, as 33 per cent of its domestic revenue is coming from rural India and benign commodity prices, the recent drop in Marco's stock price makes it one of the better picks in the mid-cap FMCG space. At the current valuation of 28.5x its FY2017E earnings, Sharekhan believes the downside risk is minimal and hence it upgrades recommendation on the stock to ‘Buy’.

Recommended By: Nomura

Target Price: Rs 750

Why Buy: Recent 20 per cent correction provides investors with a good entry into the high-quality bank. After the ING Vysya acquisition, investors’ expectations seemed high. However, the brokerage house thinks Q1FY16 integration charges partially explain the lower acquisition cost and also set investors’ expectations on growth and asset quality lower. It feels Kotak’s earnings quality remains one of the best in the sector. Merger cost taken; synergies to follow Kotak upfronted Rs 3 bn of ING-related integration charges (18% of ING Vysya’s net worth) explaining the lower 2.2x valuation on the merger. The quality of Kotak’s CASA and fee growth remains superior with CASA accretion being more granular than peer banks. As well, the brokerage house said exposure analysis suggests that risk to Kotak’s asset quality is very low.


HI friends,please read few inspirational body confidence quotes from women,

 ‘You shouldn’t be pressured into trying to be thin by the fashion industry, because they only want models that are like human mannequins...But you have to remember that it’s not practical or possible for an everyday woman to look like that. Being size zero is a career in itself so we shouldn’t try and be like them. It’s not realistic and it’s not healthy.’ Rihanna

‘Girls of all kinds can be beautiful – from the thin, plus-sized, short, very tall, ebony to porcelain-skinned; the quirky, clumsy, shy, outgoing and all in between. It's not easy though because many people still put beauty into a confining, narrow box...Think outside of the box...Pledge that you will look in the mirror and find the unique beauty in you.’ Tyra Banks

 ‘God made a very obvious choice when he made me voluptuous; why would I go against what he decided for me? My limbs work, so I'm not going to complain about the way my body is shaped.’Drew Barrymore
 ‘I think that whatever size or shape body you have, it's important to embrace it and get down! The female body is something that's so beautiful. I wish women would be proud of their bodies and not diss other women for being proud of theirs!’ Christina Aguilera
 ‘I'm pretty comfortable with my body. I'm imperfect. The imperfections are there. People are going to see them, but I take the view you only live once.’ Kate Hudson
 ‘I might have a little bit of cellulite. I might not be toned everywhere. I might struggle in this area or that. But accepting that just empowers me.’ Kim Kardashian
 ‘I have a crumble baby belly, boobs are worse for wear after

23 Sep 2015


Hi Friends, Why you invest on Debt Free Companies?
In my previous posts I have explained in detail the benefits of debt free companies.  In the present market scenario, a debt is a very large problem.  Take the present example of Amtech Auto.  All the financial papers and analysts and media reported earlier that this was a fastest growing company in India.  But unfortunately The Credit Rating Agency withdrawn their rates given to the company recently.  BSE take the company on watch list and financial banks and other institutions are going to take further steps in their loan portfolio.  Hence the price of the share fallen more than 70%.  This erosion affected the investors too.

Now today you look the present index.  On 31.03.2015, CNX NIFTY was 8491, Bank Nifty was 18206.25.  On 22.09.2015, CNX NIFTY was 7812.00 and Bank Nifty was 17031.15.  Difference CNX NIFTY -(-) 679 and Bank Nifty – ( - )1175.10.  Some technical analysts have the opinion that initial downward targets Nifty are at the level of 7856 and 7736.  Break below 7736 can take the index lower to 7539 again, resistance for the index will continue at 8060, 8091 and 8225.  A strong rally above 8200 will mean that the medium term trend is reversing higher.  So please be vigilant.  In this scenario investing in debt free companies are good.  Because they exempt from interest burden, so as to enable them to increase their net profit. Therefore they are able to give higher dividend, bonus etc.  below are few debt free companies.

Divyashakthi Granites Ltd.
 (Market cap – 996.59 M , debt equity ratio – 0.00, revenue growth (5 yrs%)  - 16.16,  PAT  Margin % - 14.84) .

Elantas Beck India Ltd.
 (Market cap – 10.97 B, debt equity ratio – 0.00, revenue growth (5 yrs%) – 11.87,  PAT Margin % - 10.76).

Salam Exploration Technology Ltd.
(Market cap – 4.37 B, debt equity ratio- 0.00, revenue growth 5 yrs% - 2.29, PAT margin % - 35.70).

Tata Sponge Iron Ltd.
 (Market cap – 8.55 B, debt equity ratio – 0.00, revenue growth 5 yrs% - 8.72, PAT Margin % - 12.94)

.Elegant Marbles & Granite Industries Ltd.
(Market cap – 530.10 M, Debt equity ratio – 0.00, revenue growth 5 yrs% - 5.20, PAT Margin % - 20.02).

Wall Chand People First Ltd.
  (Market cap – 234.34 M, Debt equity ratio 0.00, revenue growth 5 yrs % - 11.40, PAT Margin % - 6.43).

India Gelatine & Chemicals Ltd.
 (Market cap – 869.97 M, debt equity ratio – 0.00, revenue growth 5 yrs% - 7.94, PAT Margin % - 5.39).

Good Luck.                                                                   See You Later



Hi friends. Please read the quotes from Dr.Kalam.

22 Sep 2015


Hi Friends,  Read the mind of some top young executives.

1.       Mr. Abhinand Mohan , 23 years , Investor Relations Executive.
 Is buying Insurance a good way to invest?  No.  Don’t mix insurance and investment.  Insurance should cover your risk while investments should secure your financial future.

2.       Mrs. Radhika Nigam , 24 years, Entrepreneur. 
Where should I invest to become very wealthy?  Equity investments can generate a lot of wealth over the long term.  Go for SIPs with mutual funds instead of investing directly in stocks.

3.       M/s. Kriti Kapur, 23 years, Rating Analyst.
What are the best SIP options for a young professional?  Start with SIPs in large-cap, diversified equity mutual funds and balanced funds with a good track record.  Go for riskier mid and multi-cap funds gradually.

4.       Ms. Anju Subramanian, 23 years, Operations Executive.
A combination of ELSS mutual funds, PPF and NPS contributions will help you build a well rounded port folio and also save tax.

5.       Mr.Vignesh Dhandapal, 23 years, Business Expense Analyst.
Can you give an overview on Public Provident Fund?  PPF Is among the best debt investment.  It is long term, cumulates interest, gets you a tax break on investment and is most tax efficient.

6.       Christy Boy. J., Blogger.
  What you expect about the future of  Share Market in India?
Expect a bright future, but not predicting future index.  Our Indian economy is well positioned to compete with world.  Because our resources are tremendous.  Our brilliance is competent to other countries.  Indian Government is very interested to develop our country in the world’s top level.  Ruling party got 2/3 majority in the Parliament.  Only the minus point is,  not having majority in Rajya Sabha .  That will be compensated at the end of 2016.  So long term investors may buy excellent growth oriented shares in every dip and keep it for minimum 3 years.  You are certainly rewarded.

Good Luck.                                                                   See You later.


Hi Friends,  Spirituality at its best.  Read from Swami Sukhabodhananda.

1.       A Zen master was asked about the secret of his being always happy.  The Zen Master replied, ‘When I wake up in the morning, I ask myself whether I want to be in – heaven or hell?  Then I decide to be in heaven.  The moment I decide to be in heaven, I create heaven in every moment of my life. ‘

2.       The choice in our life is either we come from commitment or complaint.  We have to decide that.  Invariably we find people who are powerful are those who operate from commitment.  And those who are powerless, always operate from complaint.  One’s state of being will be powerful if one operates from commitment.
3.       Another dimension one needs to add is to operate from selflessness.  When we do something that is selfless, we find unknown forces mysteriously strengthen our hands.  Pathanjali, a great Yogi says, ‘Do something good... be in the path of goodness, and... you will find forces that mysteriously help you. ‘

4.       Understand that you are the creator of your suffering.  This understanding will help you dissolve suffering.  An unhappy person in heaven will convert  even  heaven into hell; a happy person can convert hell into heaven.  So, change is not required anywhere except within oneself.

5.       There are two types of sufferings:  a. Legitimate.  B. Illegitimate.   Legitimate suffering is sorrow  that is proportionate to the situation.  For example your son dies in an accident.  This sorrow is valid.  But if you continue worrying for more than one or two years , then there is a psychological aspect to it.  To handle legitimate sufferings, one should understand that such suffering is the result of your past deeds....Illegitimate suffering is suffering that is not proportionate to the situation.  For example, somebody calls you a fool.  You brood over it for days on end.  It is this suffering that one can  end through right thinking.

6.       When your suffering is due to Karma, your past deeds, you have to understand that you are only repaying your debt.

7.       Surrender is in the realization that God gives me what I need more than what I want.  Surrender is trust.  Surrender in being open to life.

8.       Mostly , tensions emerge from the way your mind languages your experience.  For example, a student runs several miles and enjoys running but when it is made a punishment, running creates tension.  Where does the tension come from ?  It is through the interpretations in one’s mind.

9.       Observe a surfer... the stronger the waves, the more does he enjoy it.  He decides that he is going to enjoy the waves while surfing.  When waves are strong, he is totally present in the moment.  There are no interfering thoughts in him.  In such space something in him makes him very alive to the life around him.

10.   Learn to be in the present.  Be aware of the  present in total.  There is joy being in the present.  Do not get lost either in the past or future.

Good Luck.                                                                   See You later.

21 Sep 2015


Hi Friends,  While one will get many trading tips, their execution is important.  It is a battle of emotion.  Trading is very simple, but not easy.  You have to be disciplined.  The importance of discipline in share trading cannot be over stressed.  This is because in most cases, when people are making money, greed makes them wait for more, and so they don’t book profits.  When prices fall, fear makes them sell fast.  These situations can be avoided if they know when to book profit/loss.  Therefore day traders as well as positioned traders should note the flowing points to prevent loss.

a. Discipline:  Main point to remember is put a stop loss order.  Stop loss helps a trader sell a stock when it slides to a certain price.  Eg. You buy a share of ‘A’ company at Rs.100/- and set stop loss sell order at Rs.95/-, when the price falls to Rs.90/-, your shares will be sold automatically at Rs.95/-.  This means you have limited your loss to Rs.5/-, while entering a trade, you should be clear about how much loss you are willing to accept.

b. Skill: Trading is a skill .  You have to learn and trap them and how to take positions.  Also you should be quick to get in and very quick to get out.  A skilled trader will always take his position, not following rumours.

c. Planning: Everybody should identify a few stocks (very good stocks) and focus on them only.

d. Minimum capital: Only those with a capital of at least one lakh can trade for a meaningful gain.  However this capital should not be borrowed and should not be part of your crore savings.  People can also trade with loss, but volume are important.  Do not go for margin trading.  It means if you have Rs.10000/- with a broker, he will allow you to take position up to 10 times ie. Rs.1,00,000/-.  But you should square off the position before trading ends.  This is a risky game.  So, a certain minimum capital is a must.

e. Stock Volume: A trading stock should have enough volume (liquidity) for it to be tradable.  It should have a minimum daily average of 3,00,000  shares.  For those just starting Nifty – 50 stocks is a good idea.

f. Price Range: If suppose a share trading at high volume but no price movement, what is the use?  Everybody  should prefer shares with a minimum price range of Rs.10/-.  This means the average difference between a stock intra-day high and intra-day low should be at least Rs.10/-. 

g. Advice: You hear all but don’t follow anyone.  Try to study the share’s  fundamentals and techniques.  Go through present news if any, last quarter result etc. and take your own stern decision.

Good Luck.                                                                    See You Later


Hi friends, please read and by heart the positive quotes furnished below.