Lord Jesus Christ Says...

Treat others as you want to be treated. Matthew 7:12 states it that simply. Improve your life today by treating those around you with kindness and respect.

21 Nov 2015


Hi Friends,   1. In case of purchase of shares, when do I make payment to the broker?

The payment for the shares purchased is required to be done prior to the pay in date for the relevant settlement or as otherwise provided in the Rules and Regulations of the Exchange.

2. In case of sale of shares, when should the shares be given to the broker?
The delivery of shares has to be done prior to the pay in date for the relevant settlement or as otherwise provided in the Rules and Regulations of the Exchange and agreed with the broker/sub broker in writing.

3. How long it takes to receive my money for a sale transaction and my shares for a buy transaction?
Brokers were required to make payment or give delivery within two working days of the pay.  However, as settlement cycle has been reduced from T+3 rolling settlement to T+2 w.e.f. April 01, 2003, the pay out of funds and securities to the clients by the broker will be  within 24 hours of the payout.

4. Is there any provision where I can get faster delivery of shares in my account?
The  investors/clients can get direct delivery of shares in their beneficial owner accounts.  To avail this facility, you have to give details of your beneficial owner account and the DP-ID of DP to your broker along with the standing instructions for ‘Delivery-In’ to your Depository Participant for accepting shares in your beneficial owner account.  Given these details, the Clearing Corporation/Clearing House  shall send pay out instructions to the depositories so that you receive pay out of securities directly into your beneficial owner account.


Hi friends, please read the following inspirational positive funny quotes.

When you become so angry you don’t know what to do, it will be safer to do nothing.

The perfect guy is not the one who has he most money or the most handsome one you will meet,   He is the one who knows how to make you smile and will take care of you each and every doing until the end of time.

Girls are like WEB DOMAINS.  The one you like is already taken.

Some husbands hold wife’s hand in malls  --- because, if they leave her hand she will go for shopping.  It looks “Romantic” but it is “Economic”.

20 Nov 2015


Hi Friends,   1. What are the four fears that a trader fears most?

The four fears are:  A. Fear of being wrong.  B. Fear of losing money.  C. Fear of missing out.  D. Fear of leaving money on the table.   These fears account for most of our fears.  An opportunity comes every now and then, but out either of the fears does not let us take full advantage of it, e.g. we enter the trade too soon – before the MARKET generated a signal or too late – long after the market generated the signal or taken a larger loss because we moved the stop.

2. What is the worst that can happen to a trader?

The worst that can happen is when a trader places too much importance on his present trade so much so as to make it a life and death issue (over exposure) .  Most traders place too much significance and meaning on each trade, making it difficult to cut losses or admit they are wrong.

3. What is the best trading style you recommend for traders?

Every trader has his own style of trading.  Some traders take a buy and sell positions as per their subjective style, i.e. with a combination of a lot of factors like fundamental, tips, graphs, etc.  But I suggest a mechanical trading for all traders who have been giving  losses or are not making profits.


Hi Friends,  Please read the quotes of  Love of Swami  OSHO.

Love means the art of being with others.  Meditation means the art of being with yourself.  Both are two aspects of the same coin.

I will never make any resolutions.  Drop all resolutions!  Let life be a natural spontaneity.  The only golden rule is that there are no golden rules.

Resolution is struggle.  Resolution is ego.  Resolution is saying,  “I cannot live spontaneously.” I resolve never to make any resolutions because all resolutions are restrictions for the future .  All resolutions are imprisonments.

Unless you love yourself, you can’t love anybody.  Be selfish.

Knowledge is borrowed; knowing is yours, your own.  It is authentic knowledge is information, knowledge in transformation.

People say love is blind because they do not know what love is, I say unto you, only love has eyes; other than love everything is blind.

The greatest freedom is to be free of one’s own mind.

Happiness is not conditional;  nothing is needed to be happy.  Only to be alive is needed – and that you are, you already are.

Love knows how to forgive.  Love cannot hurt and cannot be violent.

Don’t pay much attention to fear, because that is dangerous.  If you pay much attention to fear you are feeding it, and it will grow.

Love never dies through separation, never.  If it dies at all, it dies through too much togetherness; never by separation.

Your politicians, priests, parents, they all are guilt-creators, because that is the only way that you can be controlled and manipulated.

Life is not given to you to murder , to destroy.  Life has been given to you to create, and to rejoice, and to celebrate.

Don’t expect, and there will be no frustration.  Frustration is just a shadow which follows expectation.

Good Luck.                                                          See You Later.

19 Nov 2015


Hi Friends,   1.  What is Technical Analysis?

Technical Analysis is the study of MARKET action, primarily through  the use of charts, for the purpose of forecasting future trends.  It is an art of identifying trend changes at an early stage and to maintain an investment  posture  until the weight  of evidence indicates that trend has reversed.  Technical  Analysis  is the science of recording , in geographical form, the actual history of trading in a certain stock or in the averages and then deducing from that pictured history the probable future trend.

2.  What are the Basic Assumption underlying  Technical Analysis?

The Assumptions are:  A.  Market Value is determined solely by interaction of demand and supply.  B.  Demand and Supply are governed by numerous factors, both rational and irrational.  C.  Ignoring minor fluctuations in the market, stock prices tend to move in trends which persists for an appreciable length of time.  D.  Changes in trend are caused by shifts in demand and supply.  E. Shift in demand and supply, no matter they occur can be detected sooner or later in charts of market action.  F. Some chart patterns tend to repeat themselves.

3.  What are the main consideration in Technical Analysis?

The main considerations are as follows:  A. Price:  Changes in price reflect in investor attitudes and demand and supply of securities.  B. Time:  The degree of movements in price is a function of time.  The longer it takes for a reversal in trend for instance, the greater the price changes that would follow.  C. Volume:  The intensity of price changes is reflected in the volume transactions that accompany the changes.  An increase is not strong enough.  D.  Breadth:  Study of Breadth of market indicators , the extent to which the price changes have taken place in the market in accordance with a certain overall limit.

As an investor or trader in shares, preliminary knowledge in Technical Analysis is essential.  So read and understand the theory before start trading.

Good Luck.                                                                     See You Later.


Hi Friends,  Please read the following positive and inspirational quotes.

Sorry, the lifestyle you ordered is currently out of stock.

People say you can’t live without love....I think oxygen is more important.

Never argue with stupid people.  They will drag you down to their level and then beat you with experience.

Mistakes are proof that you are trying.

Everything is funny, as long as it is happening to somebody.

Forty is the old age of youth; fifty the youth of old age.

If  youth we learn, in age we understand.

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

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

The people who laugh the most have experienced the most pain.

Behind every beautiful thing, there is some kind of pain.

If you  make a girl laugh she likes you, if you make a girl cry, she loves you.

Girl:  What is the 1st thing that you notice when you look at another girl?  Boy:  That she’s not you.

Right person wrong timing.

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

 Good luck.                                                              see you later.

18 Nov 2015


Hi Friends,   What are the benefits of long term investment in stocks/shares?

Investors may please note that the fastest growing companies are adding values to the investor’s wealth.  The growing company always benefits its investors either in the form or dividends & bonuses or price appreciation.  The point is to identify these growing companies early and remain invested in them for a longer duration so as to reap the real benefits.  The longer duration investing gradually eliminates the price volatility and you get the real appreciation in your portfolio value.  Although it’s true that when a company  declare and issue bonuses, the number of shares in the market increases and it reduces the value of Earning per Share.  As the company is growing its EPS again starts rising and when it reaches to certain level then the management again decides to issue bonus shares to its investors.  Please see the following examples.

Indusind Bank (Financial  Services) :  CAGR – 28.59%,  Market Price (as on Nov.16, 2015) -  Rs.912.40,  Market Capitalization – Rs.54736.32 Crore.  This is a Mumbai based new generation private bank which offers retail, commercial and electronic banking products and services.  It was founded in 1994 and was inaugurated by the former Prime Minister of India, Sri.Manmohan Singh.  Recently, it has got approval from RBI for setting IFSC banking unit.  EPS 33.88 as on Mar.2015 , 26.8 as on Mar.2014, 20.30 as on Mar.2013, 17.17 as on Mar.2012,  12.39 as on Mar.2011.  If you bought 100 shares of Indusind Bank on April  01, 2010, at then the price of Rs.177.2 per share, then your investment value on Nov.2016, 2015 would be as follows:   Share price as April 01, 2010 – Rs.177.2,  Qty – 100,  Valued – Rs.17,720/-.   Share price as on Nov.16, 2015 - Rs.912.40, Qty – 100, Value Rs.91, 240/-.  PROFIT Rs.73, 520 + Dividends (91,240 – 17,720).  Annual Return to Investor (CAGR %)  - 50%+.   The company neither announced any bonus nor declared any stock splits during the period April 01, 2010 to March, 2015.   However, it declared dividends every year and the stock price of the company reached to Rs.912.40 on Nov.16, 2015, giving profit of Rs.73520+Dividends.

TCS (Information Technology): CAGR – 26.31%.   Market Price (as on Nov.16, 2015) – Rs.2374.60, Market Capitalization: Rs.5, 16,587.54 Crore.   It is an Indian multinational IT company, largest by Market capitalization, headquartered in Mumbai, Maharashtra with operations in around 50 countries worldwide.  It is also one of the top 5 blue chip companies with highest dividend yield of 3.07%.  Recently, Bank of Bhutan which has 46 branches has opted for core banking solutions of TCS.  EPS – 98.31 as on Mar.2015,  94.17 as on Mar. 2014,  65.23 as on Mar. 2013,  55.97 as on Mar.2012,  38.62 as on Mar. 2011.   If you bought 100 shares of TCS as on April 01, 2010 at then the share price of Rs.807.80 per share.  Now, the value of your investment as on Nov.16, 2015 would be as follows.  Share price as on April 01, 2010 – 807.80, Qty – 100, Value Rs.80, 780/-.  Share price as on Nov.16, 2015 – 2374.60,  Qty – 100,  Value  Rs.2,37,460/-.  PROFIT Rs.1, 56,680+Dividends (2, 37,460-80,780).  Annual Return to Investor (CAGR %) – 33%+.Long term investors may get  profit like this.

Good Luck.                                                                  See You Later.


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

True wealth is not measured in money or status or power.  It is measured in the legacy we leave behind, with the love give, the moments we share and the memories we make here and now.

Mirror is my best friend, because when I cry it never laughs.

Don’t dream to be something but rather dream to do something great.

A man’s true character comes out when he is drunk.

Real love is not based on romance, candle light dinners and walks along the beach.  It is based on respect, care and trust.

Take good care of your reputation.  It is going to live longer than you.

Never trust your tongue when your heart is bitter. 

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

I always dream of being of millionaire like my uncle.  He is dreaming too.

No mediation, No life, know meditation, know life.

I refuse to answer that question on the ground that I don’t know the answer.

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

I love my job only when I am on vacation.

Old age is fifteen years older than I am.

I never make the same mistake twice.  I make it five or six times, just to be sure.

Good luck.                                                    see you later.

17 Nov 2015


Hi Friends,   why you recommend for investing equities in long term growing companies with strong fundamentals?

Every investor wants to invest in stock/shares of those companies which can  provide her/him better return on investment and for this reason the investor is always in search of a growing company with strong fundamentals.  The growth in Earning per Share (EPS) is one of the effective parameters to evaluate the overall growth of the company.  If the EPS is growing then it means that the company is improving financially and results in the appreciation in its market price.  The growing company shares its growth with the investors in  the form of dividend and bonuses.  While on the other hand, a falling EPS has the negative impact on the growth of the company and company finds difficult to pass cash benefits (dividends and bonuses) to its investors and its share price declines.  I show you an example.  It shows the real factor that how an investor would have been benefited if she/he had in these fastest growing blue chip companies.  You may also to follow.

LUPIN LTD. (Pharmaceuticals):  CAGR  30.93%,  Market Price  (As on 16 Nov.2015) :Rs.1810/-, Market Capitalization:  Rs.79047.43 crore.  This Mumbai based pharmaceutical company is leading the race of fastest growing Blue Chip company in 2015.  It is one of the global leaders in making therapeutic drugs like anti-TB and Cephalosporin and Cardiovascular drugs.  It has its own research, Drug delivery system research along with drug discovery and development.  It is a strong company with healthy financials.  It has recently opened a R&D centre in Florida.  USA  for the treatment of asthma, pulmonary diseases and lung related diseases.  The EPS growth:  53.34 (Mar.15),  51.84 (Mar.14), 28.16(Mar.13), 18.01(Mar.12), 18.15 (Mar.11),  CAGR 30.93%.

Let us suppose you bought 100 shares of LUPIN Ltd. on April 01, 2010 at then the Market rate Rs.1617.40 per share.  Your total investment would be as follows.   1617.40x100 = 1,61,740/-.  In August, 2010, the company split the face values of its  shares from Rs.10 to Rs.2; A 5:1 stock split.  A stock split is the decision taken by the management of the company to increase the number of outstanding shares in the market. For eg. a company share price is at Rs.100 announced a stock split of 2:1, it means that one share will be converted in two shares.  This decision also affects the price of the stock.  In this case, the stock price will be halved.  The market capitalization remains the same before and after the stock split.  The one share of LUPIN got converted into 5 shares; therefore 100 shares would have become 500 in quantity.  The share price would be reduced to 1/5th of the price that was before the split, so as keep the market capitalization same.  The value of your investment on Nov.16, 2015 would have become:  Share price as on April 01, 2010 – 1617.40, quantity 100,value Rs.161740/-.  Share price as on Nov.16, 2015 -  1810,  Qty  500,  Value  Rs.9,05,000/-.  PROFIT :    Rs.7,43,260/-(905000-161740).  Annual return to Investor (CAGR%)  58%+ .

Good luck,                                                               see you later.


Hi Friends,  Please read the following positive and kindness thoughts.

Believe in yourself and all that you are, and know that there is something inside of you that is greater than any obstacle.

You feel good, you feel bad, and these feelings are bubbling from your own unconsciousness, from your own past.  Nobody is responsible except you.  Nobody can make you angry, and nobody can make you happy.

To be creative means to be in love with life.  You can be creative only if you love life enough that you want to enhance its beauty , you want to bring a little more poetry to it, a little more dance to it. (Osho)

16 Nov 2015


Hi  Dear Friends,   Why Invest in Shares?
Studies have proved , time and again, that shares (or equities) are one of the best long-term investments in the financial market place.  They tend to outperform government bonds, corporate bonds, property and many other types of asset including Bank deposits.  Share prices can go down as well as  up so buying shares is not without risk, but over the long term, they can generate good returns.  If you want to double your money in a year, for example, buying shares is not the best way to do it.  But if you want to invest for 5 to 20 years, shares may be a rewarding investment.  Shares are designed to provide investors with two types of return, annual income and long-term capital growth.  Most shares offer income in the form of dividends, which are typically paid every year.  

Dividends can be seen as a reward for shareholders.  They are paid when a company is profitable and has cash in the bank after it has satisfied all its obligations.  In most cases , the more profitable a company is, the higher the dividend payments.  If a company is making substantial amounts of money and making significant dividend payments, it is usually considered a good investment so the share price rises.  Investors may buy shares specifically for income.  Many companies generate substantial amounts of cash every year.  They may use some of that money for general corporate purposes, such as paying rent and wage bills, and they may use some o the money to invest in equipment, research and development.  But a proportion of that money may be paid to investors as a dividend.  As dividends are usually paid out , they can provide investors with a regular income.  

Companies that pay generous dividends are known as income stocks.  Some companies have heavy investment programmes so they plough their profits back  into the business.  These companies are often at an early stage of their development and they are keen to expand and grow.  They are known as growth businesses and , if their plans succeed, their share price will increase substantially.  Long term capital growth comes about when a share price increases over a period of time, we may expect Bonus Share, special dividends etc. as the company grow substantially. 

Please send your comments and suggestions  through e-mail.

Good Luck .                                                                See You Later.  


Hi Friends,  Please read the following Love Quotes.

If we’re destroying our trees and destroying our environment and hurting animals and hurting one another and all that stuff, there’s got to be a very powerful energy to fight that.  I think we need more love in the world.  We need more kindness, more compassion, more joy, more laughter.  I definitely want to contribute to that.

Laughter is the sun that drives winter from the human face.

There is a thin line that separates laughter and pain, comedy and tragedy, humour and hurt.
Holding on to anger, resentment and hurt only gives you tense muscles, a headache and a sore jaw from clenching  your teeth. Forgiveness gives you back the laughter and the lightness in your life.

Laughter heals all wounds, and that’s one thing that everybody shares.  No matter what you’re going through, it makes you forget about your problems. I think the world should keep laughing.

I am thankful for laughter, except when milk comes out of my nose. 

The most wasted of all days is one without laughter.

Maturity is a bitter disappointment for which no remedy exists, unless laughter could be said to remedy anything.

With mirth and laughter let old wrinkles come.

It is impossible for you to be angry and laugh at the same time.  Anger and laughter are mutually exclusive and you have the power to choose either.

Close friends contribute to our personal growth.  They also contribute to our personal pleasure, making the music sound sweeter, the wine taste richer, the laughter ring louder because they are there.

The person who  can bring the spirit of laughter into  a room is indeed blessed.

Remember me with smiles and laughter, for that how I will remember you.  If you can only remember me with tears, then don’t  remember me at all.

There is little success where there is little laughter.

The human race has one really effective weapon, and that is a laughter.

To jealousy , nothing is more frightful than laughter.

Laughter is the tonic, the relief , the success for pain.

Whatever it is that I feel, I express it!  I am free with my joy, my laughter, my pleasure, my pain and I am blessed in that way as an actress that I can access those feelings within myself and not be ashamed to  show whatever that is  appropriate for the character.

I just got one last thing, I urge all of you, all of you, to enjoy your life, the precious moments you have.  To spend each day with some laughter and some thought, to get you’re emotions going.

I live a very joyful life, with a lot of laughter and good time.

Good Luck.                                                                 See You Later.                       

15 Nov 2015


Hi Friends,  Is it a good strategy to pick Small Cap shares for investment?

You may be thinking about to invest in small cap companies.  Though they are rarely on the top of investors’ priority list they can give very good returns, provided  they are chosen with care.  The Bombay Stock Exchange (BSE) small-cap index fell over 20%.  However the benchmark, the BSE Sensex, rose 0.15%.  While small cap stocks can give big gains, the losses , too, can be huge.  Small-cap stocks are not tracked closely by market analysts and that is why the real value of good small cap stocks can remain undiscovered for long.  This makes investing in them risky.  But the rewards of finding a hidden gem are huge too, for such a stock may become a mid cap or even a large cap stock over time, giving superlative returns.  Twenty (20) percent is the fall in the Bombay Stock Exchange Small cap index.  However, select small-cap stocks have given stellar returns. “ Small cap stocks are like trees that have just been planted.  Obviously, they will take a few years to grow and blossom.  

They can be good bets for the long term,” says Gokul Raj P, executive director and head, investments, HBJ Capital Services.  On the flip side, small cap stocks have a low equity base, which is why selling/buying can take time.  If one buys a wrong stock, a prompt exit is difficult.  Also, many small companies are young, with a very short track record.  Hence, judging their performance is difficult.  Small companies are relatively weak in terms of governance, dividend policies and professionalism of the board.  This makes them risky.  When times are tough, large companies sail through, but the smaller  ones are at the receiving end.  Small companies are struggling with high borrowing costs, low demand, power shortage, and high wages and commodity prices.  Most companies are being forced to either sell assets to pay off loans or pledge shares to raise funds.  Higher imports from China and currency volatility are also putting pressure on margins.  Small cap stocks are like trees but that have just been planted.  Obviously, they will take a few years to grow and blossom.  Now, let’s look at some aspects that need to be looked at while buying small caps stocks.

Track record of Promoters:  The first thing one must check is for how long the promoters have been in the business and whether they are backed by a strong team.  “Usually, we have a face-to-face talk with the management and visit the facilities of the company before recommending a penny or small cap stock.  Hosever , retail investors have no option but to rely on research reports on this count.

Promoters’ stake:  A high promoter stake shows his confidence in the business.  You should also ask if  the promoter plans to increase his stake. “ One has to be extremely  cautious while investing in small cap companies. Attributes such as promoter holding, shares pledged, return on equity and debt-to-equity ratio should be considered carefully.”

Business Model:  A unique and robust business model augurs well for the company in the long run.  If a small company is present in areas dominated by those with deep pockets, then chances are that it will close shop sooner than later.  Small firms are relatively weak in terms of governance, dividend policies and professionalism of the board.  This makes them risky.  High debt of the company means the interest outgo is huge, which can be a big drag.
Institutional holding:  Experts say institutions avoid buying shares of small companies due to lack of liquidity.  But if you come across a small company in which institutions have bought stakes, you need to take the stock seriously.  But be careful, as institutions can also take wrong calls.

Investment Options:  There are 509 stocks available for trading in the BSE Small Cap index.  Out of them, 11% are from the capital goods sector, followed by finance (10.7%), housing (9.75), metal and mining (5.73%) and health care (5.39%).  Small  cap pharmaceutical, FMCG , information technology and banking stocks can give good returns.  However identifying small cap stocks is more of a bottom-up exercise (being stock-specific) rather than a sector-specific call.  Investing in Good Small Cap shares in Long term definitely  give excellent reward.  But utmost care needed for selection.  Investors refer previous posts in this site for further study and selection.

Good Luck.                                                               See You Later. 


Hi Friends,    Please read the following Funny Love quotes from Comedians.

My brother is gay and my parents don’t care, as long as he marries a doctor.

My wife gets all the money I make.  I just get an apple and clean clothes every morning.

I went to a meeting for premature calculators.  I felt early.

I believe that imagination is stronger than knowledge.  That myth is more potent than history.  That dreams are more powerful than facts.  That hope always triumphs over experience.  That laughter is the only cure for grief.  And I believe  that love is stronger than death.

In the sweetness of friendship let there be laughter, and sharing of pleasures.  For in the dew of little things the heart finds its morning and is refreshed.

Love is grand; divorce is a hundred grand.

Women need a reason to have sex.  Men just need a place.

Women love a self-confident bald man.

Women cannot complain about men anymore until they start getting better taste in them.

Eighty percent of married men cheat in America.  The rest cheat in Europe.

Real love amounts to withholding the truth, even when you’re offered the perfect opportunity to hurt someone’s feelings.

Marry a man your own age; as  your beauty fades, so will his eyesight.

Marriage has no guarantees.  If that’s what you’re looking for , go live with a car battery.

Good Luck.                                                               See You Later.