Lord Jesus Christ Says...

For what shall it profit a man, if he gain the whole world, and suffer the loss of his soul? Read more at:

7 Nov 2015


Hi  Friends,   Power Grid Corporation of India (PWGR) for 2QFY 2016, reported a 16.8% yoy increase in transmission revenues to Rs.4708 Cr. which is 3.5% below market estimate of Rs.4878 Cr. on account of lower than expected capitalization.  For the quarter, capitalization stood at Rs.5053 Cr. well below  estimate of Rs.6246 Cr.  Capitalization was expected to remain strong on account of spill over in the commissioning of certain projects from 1 QFY 2016 to 2 QFY 2016 and the commissioning of the Biswanath Chariyali – Agra transmission line in 2 QFY 2016.     The company incurred a capex of Rs.5088 Cr during the quarter, which is higher than market estimate of Rs.4850 Cr.  Expect FY 2016 capitalization estimate to Rs.21,991 Cr. as against Rs.22,257 Cr. earlier.

 Lower operating expenses as a percentage of revenues and higher consultancy income helped the company in improving its EBITDA margin by 188bp yoy to 87.8%.  In terms of operating performance, the impact of lower than expected revenue was partially offset by operating efficiencies, with transmission and employee expenses coming in lower than expected.  The EBITDA came in at Rs.4318 Cr. as against market estimate of Rs.4368 Cr.  reduced the estimates marginally to factor in the lower than expected capitalization in 2 QFY 2016.  Expecting PWGR to report a revenue and EBITDA  CAGR of 16% (vs 17% earlier)  and the net profit to grow at a CAGR of 17% (vs 18% earlier) over FY 2015 – 17 E.  At the current market price of Rs.132, the share trades at a P/BV of 1.6x and 1.4x its FY 2016 E and FY 2017E BV of Rs.82 and Rs.92, respectively.  PWGR is top in power supply business in India.

 Good Luck.                                                          See You  Later.


Hi fiends, please read the following funny quotes for your mind pleasure.

I don’t smoke, don’t drink, don’t do drugs.  I only have one small problem, I lie.

When a couple is arguing over who loves who more, the one that gives up is the real winner.

If aliens saw us walking our dogs and picking up their poop, who would they think is in charge?

The problem with drinking and driving is that trees defend themselves very well.

In grammar class the teacher asks her student ‘When you sing you say ‘I sing’ what do you say when your brother is singing?  I say ‘shut up you’re a terrible singer’.

I love my job only when I’m on vacation.

Google earth view gives you the amazing chance to see amazing places all over the world, from the comfort of your own home. With this amazing privilege, what do most people look at?  Their own house, their friends houses, and mostly places they have already been to!

I always dream of being a millionaire like my uncle!...  He’s dreaming too.

The hardest part of trying to steal one sheep is stopping the rest of them from following. 

Working in a team means spending half your time convincing the others that your idea is better than theirs.

 thanking you.                                                 see you later.

6 Nov 2015


Hi Friends,    Please read the question & answer to boost your knowledge.

Can you guide me whether I should do intra day trading i.e. go to the trading terminal daily and trade or just invest in deliveries and forget them? 
Intra day trading can be also called Naked Speculation as you are going to trade for every rupee or two or say 1-3 percent maximum during the market trading day.  For Intra day Traders, a stock is like a toy.  Just as a child in happiness holds the toy and when sad throws it away.  It is just like guessing a child’s mood which can be guessed to some extent.  Similarly Intraday Trader keeps guessing the mood of the stock every now and then and sees whether it is happy or sad.  If sad they short and if happy they buy.  You need to sit with an eagle’s eye only guessing the mood of the stock.  Tension is too high.  But at the end of day if you are able to guess it, you tend to make good profit.  Long Term Investor is interested in health of economy along with wealth of economy.  Long term Investor tries to find the intrinsic worth of the company’s stock and tries to buy if he finds the stock is available less than its actual value.  Intraday Traders might buy the stock for just 10 minutes but Long term Investor might buy for 10 months or 10 years.

Can I trade without hard money?
One can trade in the stock market without hard money provided one has stocks with him to give as margin for any exposure he wishes to take.

What is Paper trading?
Paper trading means you should not trade in the stock market with the real money but what ever you want to buy or sell do it on a paper i.e., write in your diary that you have bought and sold assuming that you have done real trading.  You should see that you are able to make profits on paper and only then you should move on real trading,

I am a very small investor, so what would be my position in the stock market?
If you are a small investor, you should take a mutual fund route or first do some paper trading and generate profits on paper and then think of directly entering the stock  market.  If possible make sure that at no point of time you loose more than 10% of your capital.

What is Bear and Bull Market?
Bear Market is a term which refers to the declining market where stocks are falling.
Bull Market refers to a rising market where stocks are slowly going up.  The general investor makes money in the bull market and looses in the bear market.  There is a market which is side ways  where stocks are more or less stagnant and move in a side way zone.

What is Blue Chip Stock?
A blue chip stock is a stock of a good, reputed and branded company.  The company in question enjoys an excellent credibility in the minds of general public and has a good dividend record and history of rewarding its shareholders well.

When should I sell my existing holdings?
A good strategy to sell a share would be getting out when you have lost 25% of your notional gain.  For example you have brought share worth Rs.1000 and it goes upto Rs.10000.  If it starts falling and comes down to Rs.7500, you should sell it.

Good Luck.                                                               See You Later.


Hi friends, please read the following positive quotes for reading and enjoyment.

Over-eating is costly.  Both in grocer’s bills and doctor’s bills.

Your real boss is the one who walks around under your hat.

Never ask for anything you haven’t earned in advance and likely you’ll never be turned down.

Every time you think in terms of benefit to your employer, you come one step nearer an equal benefit for yourself.

The chances are that your job likes you precisely as much as you like Loafing on your job hurts your employer, but it hurts you more.

Don’t ask your employer why you are not promoted.  Ask the person who really knows best-yourself.

If you have more enemies than friends, the odds are a thousand to one you have earned them.

You’ll  always be welcome if you bring a smile with you and leave your worries at home.
If you could see an opportunity as quickly as you see the faults of others, you’d soon be rich.

It doesn’t pay to look at others through a foggy mental attitude.

Talking behind a man’s back never hurts provided you say the right thing.

An apology is a healthy indication that a man still is on speaking terms with his own conscience.

Never tear down anything unless you are prepared to build something better in its place.

Never call a braggart down; he will do a much better job for himself

 Thanking you,                                                    see you later.

5 Nov 2015


Hi Friends,   Answer to an Investor's Question(?):     Can you give me some points which I should remember in order to make profit in Indian Stock Markets in India?

Ans:   Remember that trading or investing is not a game just for playing.  Trading should be planned properly  before venturing.  Remember the below mentioned rules  (though you will find these things written everywhere).  Never venture into stock markets without a proper plan.  You should know the money you are ready to invest, the risk you are going to take and know your expectations.  Have a clear plan, as one wrong move in stock markets can take all your money away from you.  Keep a notebook with you to note the amount you are losing and winning in trades.  Never over trade and trade only in limited quantity.  Learn from the losses you make in trading.  One important thing you learn from trading is patience.  Failures are the stepping stones to success.  A hard reality of stock trading is that good trader of today had been a loser  in stock trading at one time.  If you do not over trade, you will never lose your temper.  Losing patience and over trading go hand in hand.  Do not fall in love with any particular stock.  It has been seen that if a person has lost in ITC stock, then that person wants to earn from that stock only.


Hi friends, please read the positive quotes and enjoy it.

When you start giving out you’ll soon begin taking in.

If you are bigger than your job, why don’t you lift your job up to your size?

Many men who think they have arrived are surprised to learn that they have been travelling in the reverse gear.

A truly good workman always is good to his tools and machinery.

Work must have been provided as a blessing since every living creative must work  or perish.

Have you noticed that the most efficient workman is generally the busiest?

The patient who insists on diagnosing his own case for the doctor usually needs a mental specialist.

It is easier to keep ahead than to try to catch up with back work.

Laziness usually is nothing but a bad liver and a clogged sewer system.

When the other fellow’s facial expression looks pained it’s time to stop talking or change the conversation.

Where does the philosopher learn so much about the mistakes men make ?  From those who make them!

The doctor’s mental attitude is his main source of protection against disease.  And it is yours, too.

Be careful with a hazardous job.  Death is very permanent.

It is better to earn a promotion than to gripe for it.

Keep your sewer system clean and put the doctor’s fee into war bonds.

Thanking you,                                                      see you later.

4 Nov 2015


Hi Friends,  Stock Markets are basically irrational.  They are driven by almost everything except reason and logic, or rather, reason and logic are overshadowed by hopes, fears, greed, ambition, fads, hot tips, rumours, superstition, ignorance, fanciful projections, news headlines and numerous other irrational causes which are impossible to identify and list.  It is difficult to see how a rational investment policy can possibly succeed in such an irrational environment.  But surprisingly , it does.  In the long run rationality does pay.   The investor who can keep his head, while everyone around him is losing his, does succeed in the stock market.

The two strongest emotions operating in the stock market are greed and fear.  Greed is the dominant emotion in a booming market.  It makes individuals grasp and grab when they buy shares.  There is often a mad scramble to get on to  the stock market bandwagon during a boom. Share prices skyrocket to levels which lose all touch with reality.  On the other hand, fear takes over in a falling market.  Share prices nosedive and panic selling starts as investors and speculators scramble to get out before the prices fall further.  It is greed and fear that lead to excesses of over valuation and under valuation of shares in the stock market.  The rational investor takes advantage of these market over-reactions to make profits.  He buys when the shares are under priced and sells when they are overpriced.  The more irrational the market, the greater the opportunities for the rational investor to make big profits.  An irrational market provides rich money-making opportunities for the cool, objective, rational investor.  In short, an irrational market is a rational investor’s dream come true.

Good Luck.                                                             See You Later.


Hi friends, please read the following positive quotes for your reading and for the pleasure of mind.

It is better to go down to defeat fighting than never to have put up  a fight, for that proves you have the right stuff for a comeback.

Too much self-confidence often inspires too little caution.

Don’t quit when the going is hard.  If you must quit, wait until  you can quit a winner.

The best way to get favours is to start handing out favours.

Just imagine what it would feel like if your automobile radio, refrigerator and electric lights were taken away from you.

The best way to fight the imaginary person called the “Devil” is by serving his opponent.

Some men are “smart”, others are “wise”.  The difference is this: the “smart” man can make money, the “wise” man can make it and use it wisely.

Which would you prefer to give up – all your friends or all your money?
It is not true that “all men are born equal”.  But it is true that they are born with equal rights.

Happiness may be had only by helping others to find it.

A man in prison may have privileges, but he has no rights.  These were forfeited to the law by his misfortune.

No man succeed and remain successful without the friendly cooperation of others.

The things a man actually needs are few.  They are one suit of clothes, one bed and enough food to sustain his body.

 Thanking you,                                            see you later.

3 Nov 2015


Hi Friends,   Rane Brake Lining Ltd. (RBL)’s 2Q FY 2016 results have come in line with market estimates.  The top-line recovered, led by pick-up in the automotive segment.  Given the healthy revenue growth, raw material localization initiatives, and low base of the corresponding quarter of the previous year, the net profit for the quarter more than doubled on a yoy basis.  Top-line growth  recovers:  After two consecutive quarters of muted top-line growth, RBL’s revenues grew by a healthy 9% yoy to Rs.109.3 Cr during the quarter.  The automotive OEM segment grew by a robust 16%, led by strong MHCV  OEM  sales.  Also, the automotive replacement segment posted a decent growth of 9% during the quarter.  Localization initiatives, operating leverage and low base lift profitability:

 For the quarter,  RBL’s net profits more than doubled on a yoy basis to Rs.3.9 Cr.  Raw material localization measures improved the gross margins (up 110 bp yoy).  Also the operating leverage due to top-line growth further boosted profitability.  Outlook and valuation:   RBL’s top-line growth is likely to accelerate from 2HFY  2016.  Revival in the passenger vehicle OEM volumes on the back of better economic and lower interest rates coupled with RBL’s focus on increasing the aftermarket revenues by enhancing its network and introducing new products would boost revenues.  RBL’s margins are also likely to improve on account of increased localization and operating leverage.  Hence we can expect RBL’s earnings to grow at a healthy 18% CAGR over FY 2015-17 .  The share trading at moderate P/E.

Good Luck.                                                                 See You Later.


Hi friends, please read the following thoughts for the day.

You can’t do anything unless you want to.  It’s the desire and passion that counts.

We are born with two options:  to be slave or master of our destiny.

We can smile even though we are hurting and we can feel happy even though we are unhappy.  It’s called strength.

Live now.  Make now always the most precious time.  Now will never come again.

Success is ninety percent about your attitude and ten percent about your talents.

Don’t wish it were easier, wish you were better.

A man may die, nations may rise and fall, but an idea lives on.

Efficiency is doing things right; effectiveness is doing the right things.
It is not enough to be busy....the question is:  what are we busy about?

Success is the problem but failure is the formula.. You can’t solve the problem without knowing the formula.

Relationship is like a book, it takes few seconds to burn but years to write.  So write it carefully and never let it burn.

Winners always compares their achievements with their own goals,  While losers compares their achievements with the failures of other people.

A winner never quit, but a quilter never win, so choose the best one.

There is enough for every man need but not enough for one man greed.

Never leave on tomorrow, which you can do today.

 thanking you,                                            see you later.

2 Nov 2015


Hi  Dear Friends,   It is now almost universally recognized that optimists tend to make more money on the stock market than pessimists.  In a world where share prices tend to move up steadily the pessimist is clearly fighting a losing battle.  Historical evidence is heavily stacked against the pessimist, whereas the optimist has history on his side.  Apart from this there are many other advantages that the optimist has over the pessimist.  An optimistic attitude is essential for success in the stock market.  In fact, it is what leads to the winning attitude.

Generally speaking , optimists are difficult to find.  This is because people habitually tend to dismiss good news and accept bad news.  You’ll be surprised to observe how most people tend to accept bad news unhesitatingly and unquestioningly, whereas they have all kinds of reservations and doubts about good news.  Therefore, being an optimist and developing a positive outlook on life is not all that easy as it may look.  You have to be different, and pull yourself away from the general run of people surrounding you.  This is easier said than done.  But if you wish to succeed in the share market, you will have to get rid of whatever pessimistic and positive attitude to life.

The pessimist believes that things will not work out , problems will not be solved, political and economic conditions will grow from bad to worse, companies will go bankrupt, industries will turn sick, corporate managements invariably take shareholders for a ride, stock brokers are unreliable, stock market prices are rigged, stock markets are dens of vice and corruption, annual reports and economic statistics are misleading, and monsoons will fail.  The pessimist  tends to interpret everything negatively .  As a result, he usually lacks faith in the present and future prospects of the economy.  He worries too much and tends to develop an obsessive concentration on dark, uncertain and unfavorable possibilities.  This  prevents timely and decisive action – a quality that is essential for investment success.  With such an attitude, the pessimist cannot possibly succeed in making money on the stock market.  In fact, he loses the race for financial prosperity at the starting line itself.

The optimist on the other hand, has a more cheerful attitude.  He knows that Indian industry was here when he was born, and will probably exist when he dies.  He knows that problems do not last forever.  Sooner or later, they get solved and disappear.  He can see growth and development taking place around him.  In short, he has faith and confidence in the country, the economy, corporate managements, stockbrokers, stock markets, etc.  Occasionally, he gets duped, suffers a setback, or comes across a spell of bad luck; but he learns to take these things in his stride and doesn’t allow them to dampen his basic optimism.  He looks around for investment opportunities and is willing to risk his money because he has faith in the future.  If the stock market falls,  he starts buying, because he feels that sooner or later the market will bounce back.  He thinks he can succeed and make money – and he usually does.  Finally he knows that if he is wrong in his main presumptions,  he will have greater things to worry about, and lose more important things than his money.  This is why it is absolutely essential for you to develop an optimistic attitude for achieving investment success in the stock market.
Good Luck.                                                            See You Later. 


Hi Friends,   Please read the quotes of Swami  Osho.

 Life is not logic, life is not philosophy.  Life is a dance , a song, a celebration!  It is more like love and less like logic.

Celebration is my attitude, unconditional to what life brings.

Life in itself is so beautiful that to ask the question of the meaning of life is simply  nonsense.

Life is a mirror, it reflects your face.  Be friendly, and all of life will reflect friendliness.  

Whatever you are doing, don’t let past move your mind;  don’t let future disturb you.  Because the past is no more, and the future is not yet.

Fools are more healthy then the so-called wise.  Thy live in the moment and they know that thy are fools, so thy are not worried about what others think about them.

Don’t be serious about seriousness.   Laugh about it, be a little foolish.  Don’t condemn foolishness; it has its own beauties.

It cannot be called freedom, a freedom which can choose only the right  and not the wrong ;  then that is not freedom.

Only silence communicates the truth as it is.

Be. Don’t try to become.  Within these two words, be and becoming, your whole life is contained.

Being is  enlightenment, becoming is ignorance.

If you love yourself, you will be surprised:  others will  love you.  Nobody loves a person  who does not love himself.

Lovers have known sometimes what saints have not known.

Love is not manageable, it is simply something that happens, and the moment you try to manage it everything misfire.

If you clean the floor with love , you have done an invisible painting.  Live each moment in such delight that it gives you something  inner.

Never obey anyone’s command unless it is coming from within you also.

That ‘s why children look so beautiful because they are yet full of hope, full of dreams , and they have not yet known frustration.

You will come closer and closer to perfection, but you will never be perfect.  Perfection is not the way of existence.  Growth is the way.

Now is the only reality – all else is either memory or imagination.  The Mind: a beautiful servant, a dangerous master.

Whatsoever you hide goes on growing, and whatsoever you expose, if it is wrong it disappears, evaporates in the sun, and if it is right it is nourished.

Good Luck.                                                       See You Later.

1 Nov 2015


Hi Friends,   The Theory of Contrary Opinion is a well-known, widely – used and time-tested theory for success in the stock market.  There is no precise definition or description of the theory.  The general idea or concept is to do the exact opposite of what everyone is thinking of doing.  According to the theory, the stock market has a tendency to do just the opposite of what everyone thinks it will do.  In fact, the essence of the theory is summed up by the following stock market axioms:  ‘ the crowd is always wrong’ and ‘go against the crowd’.

 Where in a normal share market condition, when everyone expects something to happen , they act in a way that actually prevents it from happening.  For example, if some investors think that the market will decline, they start selling their shares in anticipation of a declining market.  Share prices start falling as this expectation of a declining market.  Share prices start falling as this expectation of a declining market gets wide spread and slowly crystallizes into a majority opinion.  By the time a majority opinion consolidates around this viewpoint, all those who wanted to sell  their shares have already sold them and share prices have already fallen to their lowest levels.  Now at this stage everyone is expecting the market to decline , but share prices cannot fall any further because there are no sellers left in the market (over sold position).   This is the stage when all the negative factors have already been taken into account in the prevailing depressed prices, and the market will be virtually dominated by  buyers.  Under such circumstances, share prices have only  one way to go – and that is upwards.  If a contrarian now steps in , takes an opposing viewpoint, and starts buying, he stands to make substantial profits.  This , in essence, is what the Theory of Contrary Opinion advocates.  When everyone expects the market to decline, prices will rise, and when everyone expects the market to rise, prices will fall.  The market has a tendency to do the exact opposite of what everyone expects.

The Theory of Contrary Opinion works well only when a substantially widespread and strong majority opinion has crystallized among investors.  It will not work in the early stages, when this majority opinion is in the process of being built up.  In fact, in the early stages, it pays to follow the crowd – or even better, precede the crowd.  Taking a contrary position will  not help at this stage.  Contrary stock market action really pays off in a big way only when it timed to coincide with the last stages in the consolidation of  a widespread majority viewpoint.

Good Luck.                                                                           See You Later.


Hi friends, please read the  inspirational quotes for your pleasure of mind,

1. “If you want to fly, you have to give up the things that weigh you down.”  Unknown

2. “Your journey has molded you for the greater good. It was exactly what it needed to be. 

Don’t think you’ve lost time. It took each and every situation you have encountered to bring you to the now. And now is right on time.” Asha Tyson

3. “I have not failed. I’ve just found 10,000 ways that won’t work. ” Thomas Edison

4. “You cannot control what happens to you, but you can control your attitude toward what happens to you, and in that, you will be mastering change, rather than allowing it to master you.” Sri Ram

5. “If you worry about what might be, and wonder what might have been, you will ignore what is.” Unknown

6. “The person who says it cannot be done should not interrupt the person doing it.” Chinese Proverb

7. “Never give up on something that you can’t go a day without thinking about. ” Unknown

8. “You define your own life. Don’t let other people write your script.” Oprah Winfrey

9. “Nothing is impossible, the word itself says ‘I’m possible’!” Audrey Hepburn

10. “One can never consent to creep when one feels an impulse to soar.” Helen Keller

11. “There are always two choices. Two paths to take. One is easy. And its only reward is that it’s easy.” Unknown

12. “My mission in life is not merely to survive, but to thrive; and to do so with some passion, some compassion, some humor, and some style. Maya Angelou

13. What you are is what you have been. What you’ll be is what you do now.” Buddha

Good luck,                                                   see you later.