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

3 Oct 2015


eClerx Services Ltd:-  eClerx is an Indian Knowledge Process Outsourcing Company based in Mumbai.  It is presently a Mid Cap  company.  They are doing international business.  eClerx acquired Agilyst Inc to grow its foot print in the US Cable and Telecom Industry in 2014, the operating revenue grew by 14% to  US$ 138.3 million as compared US$ 121.15 million in the period last year. i.e. in 31st March 2015.  eClerx acquired Creative Services Agency CLX Europe a Global Media Content Creation and Delivery Solution Company with over 40 years of experience, working with many of the world's largest retail, publishers and luxury brands for a total purchase consideration of up to EUR 25 million to form industry leading provider of Creative & Digital Services Company.  They have also announced plan to acquire Italian Media Content Management Company Clx Europe Spa for 25 million Euros.


The number of employees are 8000+.  They have client engagement presence in across Austin, Chicago, Dublin, London, New York, Philadelphia, San Francisco, Singapore.  They are trying for more clients in other countries to grow their business.  They are also looking into famous foreign companies for acquisition. So there is better scope for growth in coming years.


Financial Status
:  Equity Share Capital - 30.35 Crores, F/V of share Rs.10/-, Market Capitalization - 4777.26 Crores, PE 22.14, Reserve 616.24 Crore, Gross Sales in crore for the years 2011 to 2015. 341.91 .472.47 , 570.92 , 713.38  & 818.34 .  Net Profit in Crores for the period from 2011 to 2015. 217.77, 246.51, 155.92, 157.33, & 118.56.

The Company expecting 10 - 14 % growth top line in the year 2015-16.  Bonus paid during 2010 @ 1:2.  Dividend payout is also good. When I recommended this share on 22.6.2015 the share price was Rs.1452/- and on 30.9.2015 share price is 1585.40 even in the bearish market. The PE is 21.Realising the above facts we may expect good Capital appreciation for long term investment. Try your luck.


Thanking you,                                                          See you later.  


Ingredients: Vanilla Cupcakes:

1/2 cup (113grams) unsalted butter, room temperature

1/2 cup (130 grams) granulated white sugar

3 large eggs

1 teaspoon pure vanilla extract

Zest of 1 large lemon (outer yellow skin )

1 1/2 cups(195 grams) all purpose flour

1 1/2 teaspoon baking powder

1/4 teaspoon salt

1/4 cup (60 ml) milk

 confectioners (Butter cream) Frosting:

2 cups (230 grams) confectioners sugar ( icing or powdered sugar),sifted

1/2 cup (113grams) unsalted bitter, room temperature

1 teaspoon pure vanilla extract

2 table spoons milk

Assorted food colors (if desired)


Vanilla Cupcakes: Preheat oven to 350 degrees F(177 degrees C) and line 12 muffin cups paper liners.


Hi Friends,   You see here the five success mantras useful to your life.

I Forget Luck, Live by Intent.
A few things may happen by chance.  But if you wait for the chance, good things will happen to you only when you are in your grave because things may take their time.  Even quantum theory says that if you try, you can actually walk through a wall once in a “zillion” times because there is a pulsation of particles happening and you may walk through.  It is just that before you reach that one zillionth time, you’ll have a cracked skull.  When you live by chance , you also live in fear and anxiety.  When you live by intent and capability, it does not matter what is happening or not happening, at least you are in control of what is happening to you.  It is a more stable life.

Stop Fixating on Failure.
If you fall down 100 times in the day, it is 100 lessons learnt. 

2 Oct 2015



Hi, Speculation is about taking up the business risk in the hope of achieving short term gain. Speculation essentially invokes buying and selling activities with the expectation of making profit from price fluctuations.  Suppose a person buys a stock for its Bonus, he may be termed as an investor.  If he buys with the anticipation of a price rise in the near future and the hope of selling it at a gain, he would be termed a speculator. The dividing line between speculation and investment is very thin because people buy stocks for Bonus and further capital appreciation.

The time factor involved in speculation and investment is different.  The investor is interested in a consistently good rate of return for a long period.  He is primarily concerned with direct benefits provided by securities in the long run.  The speculator is interested in getting an abnormal return.  In simple terms, the investor wants a higher rate of return than the normal return in the short run.  The speculator’s investment is made for short term.  The speculator is more interested in market action and its price movements.  The investor constantly evaluates the worth of security, whereas the speculator evaluates the     price   movements.  He is not worried about fundamental factors like his counterpart, the investor.

The investor would try to match the risk and return.  The speculator would like to assume greater risk than the investor.  Risk refers to the possibility of incurring loss in a financial transaction.  The negative short term fluctuations after the speculations more than the investors.  The risk factor involved in the investment is also limited.  The investor buys the stock after studying the factors related with the concerned company’s stock.  This limits the risk exposure.  The investor likes to invest in securities where the principal would be safe.

A speculator keep his holding for a short period i.e. holding periods varies from days to months.  Speculator undertakes high risk.  He is always considering information, here says and market behaviour.  Probably he uses borrowed funds to supplement his personal resources.  But you see the investor plans for a longer time horizon.  His holding period may be more than one year to few years.  Considers fundamental factors and evaluates the performance of the company quarterly.  Uses his own funds, and avoids borrowed funds.

From my experience I realized that speculation get result of losing money.  But as an investor may get profit @15% and above. In the present market scenario speculation result huge loss but investors invest for 3 years and above in growth oriented shares will be rewarded handsomely.  Luck factor is also there.

Good luck.                                                                    See you later.

 Hi, Today I give you an interesting Tip. My request is you don’t love Shares. Only make friendship with your holdings. Our main aim is to make money in the Share market. Any personal attachment with a particular share is dangerous because you will not able to sell it in time to book profits or loss. I tell you a real story from my experience. When Share of SBI was trading @ Rs.150,face value Rs 10/- ( before 2000) and Silverline was trading @ Rs.10/-.One of my friends holding 100 Shares of SBI, sold it as per my direction and bought 1500 Silverline for 15,000. After few months the price of Silverline high rocketed in the market and one day it quoted Rs.1200/- per Share.


Hi Friends,  What are Proverbs?

Every culture has a collection of wise sayings that offer advice about how to live your life.  These sayings are called proverbs.
“A picture is worth a thousand words.”  Pictures convey emotions and messages better than written or spoken explanations.

“There is no such thing as a free lunch.”  Things that are offered for free always have a hidden cost.

“There is no place like home. “  Your own home is the most comfortable place to be.

“Discretion is the greater part of valour.”  Sometimes it’s important  to know when to give up and run away, instead of always acting brave and may be getting hurt.

1 Oct 2015


Hi Friends,   Yuan devaluation will not help Chinese  Textile Exports.  But India placed well in the textile export market.  As far as textile is concerned our exports continue to fall for a straight months, declining 21% in August 2015.  The overall exports have gone down but in home textile there is good growth.  India’s future export market looks bright.  The primary reason , India is very well placed globally because of the cotton prices, overall policies and the rupee – the currency is in favour when compared to China, Pakistan and Bangladesh.   They have their own issues.

China’s currency, no doubt, has depreciated 2% and there were lot of rumours that it will go down further.  It is not predictable to answer what they will do further. But over all,  all other currencies in emerging markets have devaluated much more.  In the present market position, China’s export in textiles will not increase.  Basic reason is that they have huge costs, which is going up primarily on the labour front.  India can really grab a big market share globally.  Our labour cost in textile field is cheaper than China.  India has a huge US market which is contributing almost 60%, but last one year we have added new markets in Japan, the UAE, Iran, Europe and Latin American countries which is also growing.  Other textile exporting countries like China, Pakistan, Bangladesh are facing problems in their own countries.

Textile is a big field and particularly in cotton products, India is very well placed because of the home grown cotton today , India is the second largest cotton growing.  While on the other side China is importing cotton. India is the single largest supplier of cotton yarns to the Chinese market.  In the labour side, we are well placed on the labour cost where China is again fighting with.  Our currency is more or less stable.  So having devaluation in a big number is not going to help them.  Business men always look for a stable currency and gradual devaluation.  In this scenario , well established textile exporters look positive about their export, even China devaluated their currency. In India cotton have another bearish year .  That is also a positive point to the exporters. Names of few textile company exporters are furnished below. 
   Adithya Birla Nuvo   2.  Arvind Ltd.  3. Ambika Cotton Mills   4.  Well Spun India   5.  Visagar Poly tex Ltd.  6. Vardhman Textiles Ltd.  7. Orbit Exports Ltd.  8.  SRF  Ltd.  9. Ruby Mills  10.  Page Industries Ltd.   These companies have not pledged Promoters stake.

Good Luck.                                                                              See You Later.


Hi Friends,  Please read the following Dream Quotes and think about it.
  Science is beautiful when it makes simple explanations of phenomena or connections between different observations.  Examples include the double helix in biology and the fundamental equations of physics.  (Stephen Hawking)
  I spend some of my time brooding about people who seem addicted to double standards – those who take an allegedly principled stand on a Monday, then switch firmly to the opposite principle on Tuesday if it is to their advantage.  (John Leo)
  I believe in God and not religion, because I believe religion is the double cross.  Because I have been double crossed by three religions, so I think I can safely say that religion – there is may be something wrong with religion.  Every temple that is put up may not be a holy one, so watch out. (Ja Rule)
If I asked for a cup of coffee, someone would search for the double meaning.  (Mae West)
Think of the earth as a living organism that is being attacked by billions of bacteria whose numbers double every forty years.  Either the host dies, or the virus dies, or both die.  (Gore Vidal)
Technology is, of course, a double edged sword.  Fire can cook our food but also burn us.  (Jason Silva)
7.      .
 My mother adores singing and plays piano.  My uncle was a phenomenal pianist.  My brother John is a double bassist.  I used to play the piano, badly, and cello.  My brother Peter played violin.  (Fiona Shaw)
  Art has a double  visage: it looks before and after.  Romance is its forward-looking face.  The germ of growth is in romanticism.  Formalism, on the other hand consolidates tradition; gleans what has been gained and makes it facile to the hand or the mind; economizes the energy of genius.  (George Edward Wood berry)
  I beg the Most High to allow me the favour of the double reward, but if God only finds me worthy of one reward, I will accept it in all humility.  (King Hassan II)

30 Sep 2015


Hi Friends,     Please remember the following before investing in Mutual Funds.   It is nice to be confident, but you still need the support of an agent or a financial advisor.  They will,  not only direct you correctly but also help you open trading account and place orders.  Before selecting a fund, check the fund’s performance, what are the credit rates they are enjoying, does it fit your objectives, their extra fees etc.  Also check the exit load when you liquidate the units before maturity.  See how the mutual fund house is working.  Your invested money along with thousands of investors money, the mutual fund house appoint expert fund managers for using this money to purchase assets like stocks, bonds, gold, real estate etc.  Your invested units will give you a right over these assets.  This means indirect investment give pleasure like  real investment.  Mutual Fund equity oriented, invest in listed shares of companies.  Balanced fund invest partly in shares and partly in bonds.  Index Fund invest in stock indices.  Equity fund investment may be in small cap/mid cap or large cap.  Normally every Mutual Fund scheme is dictated by strict investment norms.  The Fund Prospectus gives a detailed idea about the assets it will invest in.  It is clear that an equity fund can never invest in non equity instruments like bonds.  Fund managers ‘Professionalism help to grow the NAV.

SIP:  Through an Systematic Investment Plan,  you pay  a fixed amount in a particular date every month.  This means your timing of investment is fixed.  If market goes down the investor need not worry.   MF will buy and average it.  This is cost averaging.  Overtime though your average cost may turn lower.  In a fluctuating market like today it is better to invest through SIP for 5 years,  will reward high.  Suppose there will come a time when the markets stop falling and start rising and finding this bottom is difficult,  an SIP will help to benefit from this.  In SIP you fix the monthly payment, then the MF units purchased could differ every month.  But if you fix the number of units to be purchased, then your investment amount can differ per month.  There are so many mutual funds working in India.  But before investing in, check the performance of each fund and then select.

Good Luck.                                                                See You Later. 


Hi Friends,  Narrated below are kindness quotes for your reading and inspiration.

1.       A Warm smile is the universal language of kindness.

2.       Goodness is about character – integrity, honesty, kindness, generosity , moral courage, and the like.  More than anything else, it is about how we treat other people.

3.       Kindness is the language which the deaf can hear and the blind can see.

4.       I have learned silence from the talkative, toleration from the intolerant and kindness from the unkind; yet, strange, I am ungrateful to those teachers.

5.       Kindness in words creates confidence.  Kindness in thinking creates profoundness.  Kindness in giving creates love.

6.       A little thought and a little kindness are often worth more than a great deal of money.

7.       A tree is known by its fruit; a man by his deeds.  A good deed  is never lost; he who shows courtesy reaps friendship and he who plants kindness gathers love.

8.       My religion is very simple.  My religion is kindness.

9.       Beginning today, treat everyone you meet as if they were going to be dead by midnight.  Extend to them all the care, kindness and understanding you can muster, and do it with no thought of any reward.  Your life will never be the same again.

10.   Here are the values that I stand for: honesty, equality, kindness, compassion, treating people the way you want to be treated and helping those in need.  To me,  those are traditional values.

29 Sep 2015


Hi Friends,  Penny Stocks/Micro Cap Stocks are those which trade at very low prices and has a low market capitalization.  Penny stocks generally trade at Rs. 0.05 to Rs.10 per share.  Its share price is usually fluctuating hence the investors may lose money.  Therefore investors should know the following things before trading or investing in penny stocks. 

1.       Take care the value of shares instead of share price.   Now a days penny stocks are available in very low price.  Some media may also recommend these shares for investment as to fulfill their interest.  Share price would tempt investors to buy such stocks.  For example, Reliance stock price per share is Rs.834/-,  but a penny stock Agro Duch Food is Rs.3/-.  If you have Rs.10,000/- to invest, you would get only 12 Reliance shares, while on the other hand you would get  3333 shares of Agro Duch Food.  Here not think how many shares you are getting but think about what value these stocks offer.  So always research about the value of such shares you invest.

2.      Low trading volumes/Low liquidity.   Take an example Agro Duch Food, price Rs.3/- volume 15,000 on 28.09.2015.  If you want to sell and come out is very difficult in these shares.  But in Index shares, within seconds you can sell your holdings as this counter gives very high volumes.  In the above Agro Duch Food counter the amount traded is only Rs.47,100/-.  Such stocks have less liquidity as it would depend on demand from buyers.

3.       Insider Trading.   As per SEBI rules insider trading is prohibited, even then, since the penny stocks have low volumes, share price of such stocks can be easily manipulated by market participants, vested interested brokers or promoters of the company.  If a penny stock price is reaching upper circuit everyday without any news about the company, it is clear indication that someone is manipulating the share price.  So beware it,  and study the fundamentals of the company and if the fundamentals show growth then only you go for that share.  Otherwise  No.

4.       Ignore success stories.   Brokers, Analysts, Website etc. indicate success story about penny stock.  They claim that their selection of penny shares in the year 2011  raised upto 500% or even 700% or more.  Poor investors may fall in that trap  and if you invest in their words resulting loses money.  So before investing in penny stocks leave these success stories and study the various things relating to company product, management, financial efficiency etc.


Hi Friends,  Please read the quotations of Dr. A.P.J. Abdul Kalam.

1.       For Great men, religion is a way of making friends, small people make religion a fighting tool.

2.       Sometimes it is better to bunk a class and enjoy with friends, because now, when I look back, marks never make me laugh, but memories do.

3.       Behind the parents stands the school, and behind the teacher the home.

4.       Be active!  Take on responsibility!  Work for the things you believe in.  If you do not, you are surrendering your fate to others.

5.       We are all born with a divine fire in us.  Our efforts should be to give wings to this fire ad fill the  world with the glow of its goodness.

6.       Why be afraid of difficulties, sufferings and problems?  When troubles come, try to understand the relevance of your sufferings.  Adversity always presents opportunities for introspection.

7.       Desire, when it stems from the heart and spirit, when it is pure and intense, possesses awesome electromagnetic energy.  This energy is released into the ether each night, as the mind falls into the sleep state.  Each morning it returns to the conscious state reinforced with the cosmic currents.  That which has been imaged will surely and certainly be manifested.  You can rely, young man, upon this ageless promise as surely as you can rely upon the eternally unbroken promise of sunrise   .....  and of spring.

8.       The sides of the mountain sustain life, not the peak.  This is where things grow, experience is gained, and technologies are mastered.  The importance of the peak lies only in the fact that it defines the sides.

9.       What makes life in Indian organizations difficult is the widespread prevalence of this very contemptuous pride.  It stops us from listening to our juniors, subordinates and people down the line.  You cannot expect a person to deliver results if you humiliate him, nor can you expect him to be creative if you abuse him or despise him.  The line between firmness and harshness, between strong leadership  and bullying, between discipline and vindictiveness is very fine, but it has to be drawn.

28 Sep 2015


Hi Friends,    Finance Minister Arun Jaitley presented his Budget on 28th February, 2015.  What impact will it have on your financial planning?  Will you be able to save more money now or will your expenses go up?  Under the present circumstances, what will be the best investment options?  Should you put in more money in the stock markets or should you choose long term fixed deposits?  If we go through the present market conditions and global views, investing money in Bank is not profitable.  Deposit rates are on the decreasing trend.  In my opinion long term investment in good growth oriented shares will certainly be rewarded.  Investors those who have no experience in share market, invest through 5 star rated Mutual Fund (SIP).  Share Market has decreased almost 2000 points since January 2015.  This is good time to buy small, small quantity in equity shares.  Noted below are few companies , their debt ratio is comfortable and their cash & bank balance as on 31.03.2015 is appreciable.  Their percentage of liability  is nominal.

1.    SBI   (Cash and Bank 174861.30, % of total liabilities 9.15)

2.    Canara Bank  (Cash & Bank  48641.00, % of total liabilities  9.15)

3.   IDBI Bank  ( Cash & Bank  14525.76,  % of total liabilities  4.20)
    4.   NTPC (Cash & Bank  12878.81,   % of total liabilities  8.04)
    5.   BHEL  (Cash & Bank  9812.70,  % of total liabilities 28.74)
    6.   ITC  ( Cash & Bank  7588.61,  % of total liabilities 24.66)
    7.   Kotak Mahindra  (Cash & Bank  6262.36,  % of total liabilities  6.19)
    8.   NHPC  (Cash & Bank   5422.11,  % of total liabilities  11.67)
    9.   Power Finance  (Cash & Bank  5070.80,  % of total liabilities  2.52)
   10.  Federal Bank ( Cash & Bank  4779.99,  % of total liabilities 5.9)


hi Friends,  Please read the following positive and inspirational quotes and think about it.

1.       In bed, it’s 6 A.M you close your eyes for 5 minutes, it’s 7.45,  At School it’s 1.30, close your eyes for 5 minutes, it’s 1.31.

2.       I am not crazy.  My reality is just different than yours.

3.       Now-a-days people know the price of every thing and the value of nothing.

4.       Take my advice, I don’t use it anyway.

5.       I meant to behave but there were too many other options.

6.       Being single is smarter than being in the wrong relationship.

7.       “User name or Password is incorrect.”Well at least tell me which one it is.

27 Sep 2015


Hi Friends,  The best place to find stocks with potential is the 52 week low charts at least in the present market.  Some of these stocks can still give good returns in the long run.  However there is a caveat.  Fifty two (52) weeks low does not mean the stock has bottomed out.  It may fall due to specific company or sector related issues or the general market sentiment.  After quality check out from 125 stocks a Broker House selected the following stocks for investment as those companies’ financial efficiency is excellent.

1.       Hindalco. M/P – 71.40,  52W-L/H  71.20 – 176.40

2.       Bank of Baroda. M/P – 186.40, 52 W L/H  137.50 – 228.90

3.       Karnataka Bank Ltd. . M/P – 124.80,  52 W L/H – 108.30 – 158.00

4.       Petronet LNG . M/P – 173.35, 52 W L/H – 159.80 – 221.90

5.       Rallis India . M/P – 223.10, 52 W L/H – 200 – 298.50 


Fish (Karimeen) medium size-1/2 kg (4 nos.)Clean and cut into 2 ps. each
Kokum (kudam puli)-5 nos.
Redchilly powder (kashmeeri)3 tbsp
Shallots (Kunjulli) 6-8nos
Garlic pods 5 nos
Fenugreek (uluva) 1tbsp
!/2 coconut milk (1/4kg coconut)
Step 1 Heat traditional clay pot and pour ½ cup coconut oil or ground nut oil and splutter mustard seeds.
Step2 Add onions, green chillies, ginger, garlic and 2 stems of curry leaves and sauté till onion becomes slight golden brown colour.
Step3 Add 1 spoon of coriander powder, chilly powder,1/2 spoon black pepper powder and ¼ spoon turmeric powder
Step4 After one minute boiling ads enough water, 2 stems of curry leaves and salt (as per taste) and mixes well.
Step5 add fish pieces into it and cook for 10 mins.
Step6 Finally adds coconut milk and off the flame.

Step7 your karimeen Kari is ready. Use with bread, appam, rice etc. This is very delicious Kerala fish curry. Try your luck.

                                                                               Guest blog.


Hi, I am very glad to say that I am completing 100 days after opening this Blog. I have posted 169 variety posts in this blog till date. More than 28200 brothers and sisters from all over the Globe visited my blog, It is a great success. I expect the same co-operation in future also. I shall post very informative articles which you will be benefited. I am doing this service as charity. In this moment I am thankful to my Lord Jesus Christ for his abundant grace to help me complete the blog with the ability to write the posts daily. Almighty has given me best viewers like you sir,
  Thank you sir,                                           Christy Boy. J.


Hi friends,See and read Swami vivekanandas mantra for youth.

My Faith is in the Younger Generation, the Modern Generation, out of them will come my workers. They will work out the whole problem, like Lions.

 Swami Vivekananda expressed this confidence in the youth of this country exactly 50 years before the end of Colonial Rule while speaking to a mammoth gathering of youngsters in Madras. Swami ji himself was the embodiment of youth, dynamism and vibrancy. The life and ideals of Swami ji are the greatest inspiration for the youth of our nation. In a short life of 39 years, 5 months and 22 days, this great man conquered the entire world with his message. Many great personalities both in India and across the world became deeply inspired by Swami ji.

The writings of Swami ji can ignite the minds of the reader. Someone rightly pointed out that if you are lying down and reading Swami ji’s work you will instantly sit upright. If you are sitting and reading his writings then you will stand up and if you read him standing, you will at once set out towards your mission. This is nothing but the influence of Swami Vivekananda’s lively message. Anybody who has come into either direct or indirect contact has witnessed an ocean of change in his or her life. Today, the youth of this country faces various challenges and I am certain that the message of Swami Vivekananda has the power to wonderfully guide them into the future.