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:

14 Nov 2015


Hi Friends,    Discuss the functions and importance of Clearing House in  Stock Market:
Clearing House provides range of services related to guarantee of contracts,  Clearance and settlement of trades, management of risks of their members and associated exchanges.  The clearing house acts as a medium of transaction between the buyer and seller.  Every contract between the buyer and seller is substituted by two contracts, so that clearing house becomes the buyer to every seller and the seller to every buyer. 

Importance of clearing house are as under.  1. It ensures adherence to the system and procedure for the smooth trading.  2.  It minimizes the credit risk by being counter party to all the trades.  3.  It involves daily accounting of gains and losses.  It ensures delivery of payment for assets on the maturity dates for all outstanding contracts.  5. It monitors the maintenance of speculation margin.  A clearing house is a financial institution that provides clearing and settlement services for financial and commodities derivatives and securities transactions.  These transactions may be executed on a future exchange or securities exchange, as well as off-exchange in the over-the-counter(OTC) market.  A clearing house stands between two clearing firms (also known as member firms or clearing participants) and its purpose is to reduce  the risk of one (or more) clearing firm failing to honour its trade settlement obligations.  Clearing house is defined as entity which is different from the exchange, although it works closely with the exchange so that day to day operations of the exchange can run smoothly.  Clearing house is integral part of derivative market.


Hi friends, please read the following funny love quotes.

You can’t put a price tag on love.  But if you could, I’d wait for it to go on sale.

I thought I was promiscuous, but it turns out I was just thorough.

I love being married.  It’s so great to find one special person you want to annoy for the rest of your life.

I love you no matter what you do, but do you have to do so much of it?

Love is telling someone their hair extensions are showing.

I’m now making a  Jewish porno film.  10 percent sex,  90 percent guilt.

My friends tell me I have an intimacy problem.  But they don’t really know me

13 Nov 2015


Hi Friends,    Who are Speculators?   What are the types of Speculators?   -    Some individual purchase and sell securities for indulging in speculation.  They do not invest to get income in the form of dividends or interest, their sole aim is to earn by speculating the prices of securities in future.  The person who indulge in speculative dealings are  categorized according to their reaction or attitude to a situation.  Such type have been named after various animals, the characteristic behaviour of which suggests the particular attitude.  Speculators are thus called bulls, bears, stag , and lame duck.        A person who trades derivatives, commodities, bonds, equities or currencies with higher-than-average risk in return for a higher-than-average profit potential.  Speculators take large risks, especially with respect to anticipating future price movements, in the hope of making quick, large gains.  Different types of speculators in broader sense are as under.

Jobber:  Jobber is a professional speculator who has a complete information regarding the particular shares he deals.  He transacts the shares of profit.  He conducts the securities in his own name. He is the member of the stock exchange and he deals only with the members.

Broker:   Broker is a person who transact business in securities on behalf of his clients and receives commission for his services.  He deals between the  jobbers and members our side the house.  He is an experienced agent of the public.

Bull:   He is a speculator who purchases various types of shares.  He purchases to sell them on higher prices in future.  He may sell the shares and securities before coming in possession.  If the price falls then he suffers a loss.

Bear:   He is always in a position to dispose of securities which he does not possess.  He makes profit on each transaction.  He sells the various securities for the objective of taking advantages of an expected fall in prices.

Lame Duck:   When bear fails to meet his obligations he struggles to meet finance like the Lame Duck.  Generally a bear agrees to dispose off certain shares on specific date.  But sometimes he fails to deliver due to non availability of shares in the market.  In such case he finds himself concerned.  If the other party  refuses to postpone the delivery them lame duck suffers heavy losses.

Stag:   He is also a speculator.  He purchases the shares of newly floated company and shown himself a genuine investor.  He is not willing to become an actual shareholder of the company.  He purchases the shares to sell them above the par value to earn premium.  A stag also suffer a loss.

Investors please comment and give suggestions by e-mail.

Good Luck.                                                          See You Later.    


Hi friends. please read the quotes of youth,

Each day is a little life:  every waking and rising a little birth, every fresh morning a little youth, every going to rest and sleep a little death.

Forty is the old age of youth; fifty the youth of old age.
The youth is the hope of our future.

Youth smiles without any reason.  It is one of its chiefest charms.

In youth we learn ; in age we understand.

Good habits formed at youth make all the difference.

Education is the best friend.  An educated person is respected everywhere.  Education beats the beauty and the youth.

The duty of youth is to challenge corruption.

Older men declare war.  But it is the youth that must fight and die.

Probably the happiest period in life most frequently is in middle age, when the eager passions of youth are cooled, and the infirmities of age not yet begun; as we see that the shadows, which are at morning and evening so large, almost entirely disappear at midday.

Maturity is often more absurd than youth and very frequently is most unjust to youth.

Take a course in good water and air ; and in the eternal youth of Nature you may renew your own.  Go quietly alone; no harm will befall you.

To find joy in work is to discover the fountain of youth.

In youth we run into difficulties.  In old age difficulties run into us.

Good luck.                                                   see you later.

12 Nov 2015


Hi Friends,  How NSE is functioning?    NSE incorporated in 1992 was given recognition as stock exchange in April 1993 and started  operation in June 1994.  NSE was set up by IDBI  and other financial institutions with paid up equity capital of Rs.25 crores.  It is India’s first  national online stock market with segment  for both debt and equity securities.  NSE  was set to establish a nation wide trading.  Its aim was to provide equal access to investors all over the country and to ensure fairness, efficiency and transparency in trading of securities to make Indian securities market confirm to global standards. 

National Stock Exchange was set up with the objectives of:  (a) establishing a nationwide trading facility for all types of securities, (b) ensuring equal access to all investors all over the country through an appropriate communication network, (c) providing a fair, efficient and transparent securities market using electronic trading system, (d) enabling shorter settlement cycles and book entry settlements and (e) meeting the international benchmarks and standards prevalent in the securities market.   Within a short span of time, above objectives have been realized and the exchange has played a leading role as a change agent in transforming the Indian Capital Markets to its present form.  NSE has set up infrastructure that serves as a role model for the securities industry in terms of trading systems, clearing and settlement practices and procedures. 

The standards set by NSE in terms of market practices, products, technology and service standards have become industry benchmarks and are being replicated by other market participants.  It provides screen-based automated trading system with a high degree of transparency and equal access to investors irrespective of geographical location.  The high level of information dissemination through on-line system has helped in integrating retail investors on a nation-wide basis.  The Exchange currently operates four market segments, namely Capital Market Segment, Wholesale Debt Market Segment, Futures and Options segment and the Currency Derivatives Segment.

Good Luck.                                                              See You Later.


Fitness personality Richard Simmons once said,  “You can’t buy it, you can’t rent it.  You have to earn it.  His  formula has always been love yourself, move your body, watch your portions.”  Leading a healthy lifestyle sounds easy enough, right?  Could be , but there are a lot of obstacles trying to divert our attention from eating healthy, making healthy choices, and exercising.  Fortunately, when you’re in the healthcare field, you may see the result of making unhealthy decisions, and it can help you lead a better life that is more fulfilling when you make the right choices.  Here are few healthy lifestyle quotes  to help inspire you to  kick-start your healthy lifestyle or make you appreciate your good health.

The greatest wealth is health.

The power of love to change bodies is legendary, built into folklore, common sense , and everyday experience.  Love moves the flesh, it pushes matter around.  Throughout history, ‘tender loving care has uniformly been recognized as a valuable element in healing.”

He who takes medicine and neglects to diet wastes the skill of his doctors.”
If you have health, you probably will be happy, and if you have health and happiness, you have the wealth you need, even if it is not all you want.

A good laugh and a long sleep are the best cures in the doctor’s book.”

Health is a state of complete harmony of the body, mind and spirit.  When one is free from physical disabilities and mental distractions, the gates of the soul open.”

Happiness lies, first of all , in health.”

To keep the body in good health is a duty, otherwise we shall not be able to keep our mind strong and clear.

A vigorous five-mile walk will do more good for an unhappy but otherwise healthy  adult than all the medicine and psychology in the world.

Health and intellect are the two blessings of life.

Lack of activity destroys the good condition of every human being, while movement and methodical physical exercise save it and preserve it.

To ensure good health eat lightly, breathe deeply, live moderately, cultivate cheerfulness, and maintain an interest in life.

There are lots of people in this world who spend so much time watching their health that they haven’t the time to enjoy it.

The human body has been designed to resist an infinite number of changes and attacks brought about by its environment.  The secret of good health lies in successful adjustment to changing stresses on the body.

Good Luck.                                                         See You Later.

11 Nov 2015


Hi Friends,   BLUE CHIP COMPANIES   are  the companies that have stable earnings and do not have extensive liabilities.  The  STOCKS of these blue chip companies, referred to as ‘blue chip stocks’, pay regular dividends even during  the bad time of the organisation.  Blue Chip Companies in India are considered most stable stocks for investing.  When one invests in blue chip stocks it’s considered  best for long term returns.  Fundamentals of Blue Chip Companies are very strong.  Blue Chip Stock Companies can make profits even in bad times.  Hence expert investors give special attention to these stocks.  Blue chip stocks also display excellent dividend pay out history.  When a company can distribute dividend even in bad times, it shows how confident they are about their cash  inflows.  Some Blue Chip Companies are furnished below for investors benefit.



ONGC ( Oil and Natural Gas Corporation)


HDFC ( Housing Development Finance Corporation)




SBI (State Bank of India)


Problems faced by Top Blue Chip Companies:   The top blue chip companies face different problems that are unique to their industry.  For example, the pharmaceutical companies face a lot of problems with their documentation, especially in countries such as the US.  Some of these companies also happen to be the leading recruiters in India and one major problem they face is that there are plenty of people with good grades but not the skills or capabilities needed to perform well even at the entry level jobs that these companies offer.  They also facing difficulties to keep their manufacturing facilities in India up to the standard of USFDA.  Another problem fake medicines.

Good Luck.                                                               See You Later.


Hi friends, please read the following motivational and inspirational quotes.

When you believe a thing, believe in it all the way.

We are what we believe we are.

Our belief at the beginning of a doubtful undertaking is the one thing that assures the successful outcome of any venture.

Be not afraid of life.  Believe that life is worth living and your belief will help create the fact.

He does not believe who does not live according to his belief.

Believe your beliefs and doubt your doubts.

A belief is not merely an idea the mind possesses; it is an idea that possesses the mind.

The outer conditions of a person’s life will always be found to reflect their inner beliefs.

We would accomplish many more things if we did not think of them as impossible

Good luck.                                                         see you later,

10 Nov 2015


Hi Friends,   Best Managed Companies in India:    A manager may be sitting on one of the most innovative idea, he could have found a way to cut his cost to zero and achieve potentially unlimited profitability;  if  he is a cheat, you will lose money & reputation by getting on him.  For years, successful investors have paid the highest amount of attention on the quality of management. But normally equity research reports did not have a column on integrity and competence of management.  They purposefully ignore it as it is implicit that  he has checked for this aspect.  In the table below listed 20 carefully selected companies which appear in various lists as either (i) India’s best managed companies; or (ii) India’s biggest wealth creators for share  investors references.

Professionally managed :  Companies in this category do not have to promoter/promoter group or where the promoter holding is (ultimately) held by a large group of unrelated investors.  Family Owned:  Companies in this category have a majority stake held by one or more families and/or closely related members thereof.  Government Promoted:  Companies where majority stake is held by the Government of India.

Motherson Sumi Systems  , Professionally Managed.

Lupin, Family Owned.

HCL  Tech,  Professionally Managed. 

Asian Paint, Professionally Managed.

Tata Motors, Family Owned.

TCS,  Family Owned.

ITC ,  Professionally Managed.

Tech Mahindra,  Family Owned.

HDFC,  Professionally Managed.

Axis Bank, Professionally Managed.

ICICI Bank, Professionally Managed.

Infosys,  Family Owned.

L & T,  Professionally Managed.

SBI,  Government Promoted.

Graism Industries,  Family Owned.

Bharti Airtel,  Family Owned.

ONGC,  Government Promoted.

IDFC , Professionally Managed.

Reliance Industries,  Family Owned.

Tata Steel,  Family Owned.

Good Luck.                                                           See You Later.


Hi Friends,   Please read the Smile Quotes for your healthy mind.

Everything has beauty, but not everyone sees it.

The good life , as I conceive it, is a happy life.  I do not mean that if you are good you will be happy.  I mean that if you are happy you will be good.

The world is full of magical things patiently waiting for our wits to grow sharper. 

Nothing prevents happiness like the memory of happiness.

Man never thinks himself happy, but when he enjoys those things which others want or desire.

To be angry is to revenge the faults of others on ourselves.

Past history clearly shows that violence cannot solve problems.

Happiness is not something ready made.  It comes from your own actions.

People are just as happy as they make up their minds to be.

It is very simple to be happy, but it is very difficult to be simple.

If you cry because the sun has gone out of your life, your tears will prevent you from seeing the stars.

You have to dream before your dreams can come true.

Write your sad times in Sand, Write your Good times in Stone.

A good head and a good heart are always a formidable combination.

For to be free is not merely to cast off one’s chains, but to live in a way that respects and enhances the freedom of others.

Anyone who trades liberty for security deserves neither liberty nor security.

Good Luck.                                                            See You Later.

9 Nov 2015


Hi Friends,  Furnished below are the top 15 BSE INDEX BLUE CHIP Companies according to its growth rate. This is for investor information.

Axis Bank Ltd.   ( Bank-Private, Large Cap , Price 463.70,  PE  14.00)

Bajaj Auto Ltd. ( Automobile Two&Three Wheeler,Large Cap, Price2429.45, PE 20.00)

Bharat Heavy Electricals Ltd.(Electric Equipment, Large Cap, Price  191.45, PE 37)

Bharti Airtel Ltd. (Telecommunication –Service Provider , Large Cap, Price 339.20, PE 13)

Cipla Ltd. ( Pharmaceuticals & Drugs, Large Cap, Price 658.15, PE 34)

Coal India Ltd. (Mining & Minerals, Large Cap, Price 342.20, PE 17)

Dr.Reddy Laboratories Ltd.(Pharmaceuticals & Drugs ,Large Cap, Price 3630.65,PE 35)

GAIL (India)Ltd. (Gas Transmission/Marketing, Large Cap, Price 288.15, PE 19)

HDFC Bank Ltd. (Bank-Private, Large Cap, Price 1080.90, PE 24)

Hero Moto Corp.Ltd. (Automobile Two & Three Wheeler, Large Cap, Price 2639.85, PE 20)

Hindalco Industries Ltd. (Aluminium&Aluminium Products, Large Cap, Price 80.90, PE 15)

Hindustan Unilever Ltd. (Household & Personal Products, Large Cap, Price 799.05, PE 44)

Housing Development Finance Corp.Ltd.(Finance-Housing,Large Cap,Price 1205.40,PE 30)

ICICI Bank Ltd. (Bank-Private, Large Cap, Price 267.10, PE 13)

Infosys Ltd (IT –Software, Large Cap, Price 1138.30, PE 20)

Good Luck                                                           See You Later.


Hi friends, please read the following positive inspirational thoughts for your pleasant mind.

Look for the good in others and they will do the same with you.

This is a fine world for the man who knows precisely what he wants of life and is busy getting it.

Drifting without aim or purpose is the first of 30 major causes of failure.

You can’t find happiness by robbing another of it.  Ditto as to economic security.

Trying to get without first giving is as fruitless as trying to reap without having sown.

Luck appears to favour the man who spells the word – p – luck!

What do you want from life and what have you to give in return that entitles you to it.

Wise men think twice before speaking once.

Never criticize anything or anyone unless you are prepared to offer something to improve that with which you find fault.

Edison failed ten thousand times before he perfected the modern electric lamp.  The average man would have quit at the first failure.  That’s why there are so many “average”  men and only one Edison.

There is something good about any man who is loved by his dog and his family, for they know him as he is.

The successful man keeps his mind fixed on that which he wants-not that which he doesn’t want.

The creator gave each man a conscience for use as a guide to right conduct.  But some have perverted it into a conspirator instead.

The greatest and the most resultful of all prayers are those offered as gratitude for the blessings we already have.

It is better to give thanks for the blessings we already have than to pray for more blessings

Good luck.                                                  see you later.

8 Nov 2015


Hi  Friends,   FAQ :  (a)   Mention two main significance of Stock Exchange.--- 
Provides ready market of securities,  Protect Investors,  Provides quoting of market prices,   Mobilization of savings and  Promotion of capital formation.

(b) What are future contracts?   Future contracts are those contracts which are entered today for buying & selling of securities at some future date.  A futures contract is a contract between two parties where both parties agree to buy  and sell a particular asset of specific quantity and at a predetermined price, at a specified date in future.  The payment and delivery of the asset is made on the future date termed as delivery date.  The buyer in the futures contract is known as to hold a long position or simply long.  The seller in the futures contracts is said to be having short position or simply short.

(c) What is SENSEX?  SENSEX is an indicator of performance of stock market movement of BSE.SENSEX consists of free-float market-weighted stock market index of 50 well-established and financially sound companies listed on Bombay Stock Exchange.

(d) Mention the type of speculators present in stock market. --- Bulls,  Bear,  Lame Duck,  Stag.

(e) What do you mean by Depository Participant?  A depository Participant (DP) is an agent of the depository through which it interfaces with the investor.  ADP can offer depository services only after it gets proper registration from SEBI.  They are the intermediaries between depository and the investors.  A depository can be compared with bank, likewise a DP may be compared with a branch of  a Bank.

(f) Name any two depositories of India. ... National Securities Depository Ltd. (NSDL),  and  Central Depository Securities Ltd.  (CDSL).

(g) Write full form of NASDAQ.   National Association of Securities Dealers Automated Quotation.

(h) Who is a jobber?  A jobber is an independent dealer in securities.  He is not allowed to deal with the public directly.  He deals with the brokers who are engaged by the investors.  Thus, the jobbers buy securities and sell them to the members who are operating on the exchange as brokers.  He works for profit rather than on commission basis.

(i)What do you mean by Foreign Institutional Investors?  Foreign Institutional Investors are an institution established  and incorporated outside India, which proposes to make investment in Indian Securities.  They are eligible to make purchase shares and convertible debentures issued by Indian Companies under the Portfolio Investment Scheme.  There are three routes through which FIIs can Invest in the Indian Stock Market.  The first is the direct route, the second is participatory notes and the third is through FII sub account.

Good Luck.                                                              See You Later.