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Lord Jesus Christ Says...

If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven. Jesus Christ

30 Nov 2015

SHARE MARKET- MONEY TIPS.

Hi Friends, How to Evaluate Your Investment Portfolio’s Performance?

1. Review your present net worth and particularly, the value of your investment portfolio regularly.  This is something you’ll want to try to do periodically.  Keep up with your accounts at your discount broker, bank or Mutual Fund Company.  Some finance bloggers who do it on a monthly basis, but every three to six months may be sufficient for your regular net worth checkups.  Knowing where you stand is the first step to gauging how well you’re doing overall.

2. Check how your portfolio is doing against its benchmarks.  With the market, everything is relative.  You’re doing very well if your investments are performing at least as well as their respective indexes.  Check each of the asset classes that are represented in your portfolio and see how they’re doing against their comparative index and if there are discrepancies, figure out why!  Those prospectuses fund/company stock reports and investment performance reviews that come by your home or online inbox every few months are quite handy because they explain what the deal is with your holdings.  For example, if your whole portfolio is primarily invested in equities, see if it’s doing at least as well as the Total Stock Market Index, which tracks the entire market.

3. Compare the individual investments in your portfolio against their peers in the same asset class.  Each of your funds or stocks is part of a bigger universe of like investments.  I’d suggest comparing how your individual fund or stock is behaving relative to other funds or stocks that are in the same industry or sector.  You’ll have to be careful about comparing apples to apples though, but if you note some glaring differences or a pattern of under performance, it may be time to do some switching,

4. Ensure that your investments remain on target according to your established goals.  Evaluate how each investment is doing and confirm its place in your overall plan.  Since our lives shift and turn with the ears, it is also quite possible that our investments may need to be revisited and perhaps adjusted accordingly.

5. Make the necessary updates and tweaks to your portfolio on a regular basis.  If need be, actually take action and do the necessary work to read just your portfolio.  If your portfolio has shifted from its desired allocation, or your life plan has put a monkey wrench on your financial picture, then make the changes.  Sometimes, it’s not even your choice to make adjustments.  Suppose you are a long term investor for 3 years, 5 years or more, periodical assessment is essential at least in every six months.  It is better to take advice from an experienced or qualified person relate to share market and make changes in your investment portfolio, if it is necessary. 
 

Good Luck.                                                                  See You Later.

QUOTES-POSITIVE,INSPIRATIONAL AND FUNNY QUOTES.

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

Awesome Quotes can change the quality of your life.

Don’t look back and ask why.  Look ahead and say why not.

True beauty is not in the face.  It is a light in the heart.


I am thankful for all of those who said ‘No’ to me, it’s because of them I am doing myself.

The best people in this world are the ones that can give without remembering and receive without forgetting.

I tell people:  If you don’t want to get into positive thinking, that is OK.  Just eliminate all the negative thoughts from your mind  and whatever’s left will be fine.

Positive thoughts are not enough.  There have to be positive feelings and positive actions.

Life is a gift.  Never take it for granted.

Nothing changes until you change.  Every thing changes once you change.

Difficulties in your life don’t to destroy you,  but to help you realize your hidden potential.

Don’t afraid to CHANGE .  You may lose something good but you may gain something better.

When love is real, it doesn’t lie, cheat, pretend, hurt you or make you full unwanted.  It is supposed to be a cure to all your worries.

Excellence is not a skill, it is an attitude.

As I have grown older I have learned that pleasing everyone is impossible but pissing everyone off is a piece of cake.

People are like MUSIC; some speak the truth and others are just noise.

You can’t live a positive life with a negative mind.
 

Good Luck.                                              See You Later.

29 Nov 2015

SHARE MARKET- MONEY MARKET TIPS.

Hi Friends,   What is the Difference between Swing Trading and Day Trading?
Swing Trading, day trading and investing are different in two major ways.  First, the length of time a position is held varies greatly.  An investor closes their eyes, buys a stock, commodity or currency and hopes for the best in the long term.  Investors will often hold for years if not longer.  A swing trader holds for days or weeks and a Day Trading holds for seconds or minutes.  The second main difference is finding the level to buy or short.  An investor usually chases the hot sector or hype, buying the highs and selling the lows in panic.  A swing trader will look at the chart and find an appropriate level to go long or short.  The level is usually technically based and will result in quick profits in weeks if not days as the stock bounces off resistance or support.  A day trader does the same thing as a swing trader but on a micro time frame usually holding for seconds or minutes.  Swing trading is the gateway to financial independence for those that work a full time job. It is the fastest growing style of trading as investors , sick of losing, look to take hold of their portfolios.


What is Balance Sheet?

Financial health of a company is reflected in its Balance Sheet.  This is perhaps the most important financial documents that investors and shareholders must learn to analyze.  In order to understand financial statement like balance sheet, people must read one such report each week.


What are Bid and Ask prices?

When you want to buy or sell a stock, there is not one giant body that will buy or sell at a given price; there are millions of other people that are also looking to buy and sell, and an agreement must be reached,  The “bid” and “ask” prices are the differences between the people who currently want to buy  “bidders “and people who want to sell “askers”.
 

Good Luck.                                                             See You Later.

QUOTES- POSITIVE INSPIRATIONAL QUOTES.

Hi Friends,  Please read the following positive inspirational quotes.

But a desperate  heart will seduce the mind.

Wise men speak because they have something to say; fools speak because they have to say something.

Never let your sense of morals prevent you from doing what is right?

Man is the only creature who refuses to be what he is.

The moment you stop trying to become a better person, is the moment you start to become worse than what you already are.

“Username or Password incorrect”.  Well at least tell me which one it is.

A day without laughter is a day wasted.

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

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

Being single is smarter than being in the wrong relationship.

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

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

A man came to my door and asked if could donate to the local swimming pool and came back with a glass of water.

I never run with scissors.  Those last two words were unnecessary.
 

Good Luck.                                                         See You Later.
 

28 Nov 2015

STOCK MARKET- A HOUSING FINANCE COMPANY.

Hi Friends,   India Bulls Housing Finance Limited  (IHFL) is the fourth largest housing finance company in India with AUM of INR 522 billion. It was established as a wholly-owned subsidiary of Indiabulls Financial Services  (IBF SL).  In early 2013, keeping with IHFL’s long term commitment to the housing finance business, the company was reversed-merged into its housing finance subsidiary IHFL.  IHFL offers home loans to target client base of middle and upper middle income  individuals and small and medium-sized enterprises, or SMEs.  It has presence across 200+ locations across India.  Indiabulls Housing Finance Ltd (IHFL) has transformed from a diversified lender to a focused mortgage player. 


  Mortgage focus has yielded returns, with RoE/RoA improving from 3%/0.8% in FY 09 to + 26%/3.5% in 1HFY 16.  IHFL has devised a unique strategy – 76% of the book forms mortgage/LAP (which keeps asset quality under check) and 24% of book forms commercial credit and commercial vehicles (supports blended spreads of + 300 bp), thereby enabling sound asset quality with a superior returns.  Disbursement growth has picked up,  and Market share gains will drive AUM growth of -  24% for next three years.  One  of the lowest levered HFC (3.9x) and with capital raising completed IHFL would need no further dilution over the medium term.  Consistent out performance on key parameters relative to sector,  Average three year RoE at + 27% is the best among the peer group.  The company offers superior return ratios with +4% dividend yield.  The stock is Trading at PBV of 2.4xFY 17.
 

Good Luck.                                                              See You Later.

QUOTES- POSITIVE INSPIRATIONAL QUOTED.

Hi Friends,  Please read the following positive inspirational quotes.  These Awesome Quotes can change the quality of your life.

If  ‘ Plan A’ did not work the alphabet  has 25 more letters!   Stay cool.

Old people at weddings always poke me and say “you are next”.  So, I started doing the same thing at funerals.


Don’t waste your time with explanation .  People only hear what they want to hear.

I don’t have a dirty mind, I have a sexy imagination.

Love is like a fart; If you have to force it, it’s probably shit.

When I am right no one remembers, when I am wrong no one forgets.

I do not get drunk – I get awesome.

Pessimist sees the difficulty in every opportunity.  An optimist sees the opportunity in every difficulty.

Every morning when I get up , I check out the list of 100 richest people in the world.

Some cause happiness wherever they go; others, whenever they go.

Do it now .  Sometimes ‘later’ becomes  “Never”.

Better days are coming .  They are called:  Saturday and Sunday.

The expert in anything was once a beginner.

Courage is doing what you are afraid to do.  There can be no courage unless you are scared.

Choose a job you love and you will never have to work a day in your life because that field isn’t hiring.


Good luck.                                                       see you later.

27 Nov 2015

SHARE MARKET- NTPC LTD.

Hi Friends,   NTPC LTD for 2 QFY 2016, net sales increased by 6.9 % yoy to Rs.17,723 Cr. (2.4% below estimate;  and as against Rs.16,582 Cr. in the corresponding quarter of last year) led by a 6% yoy increase in coal PL.  Coal PLF improved 407 bp to 77.3% as against 73.2% last year.  Gas PLF however continued to fall, coming in at 25.7% as against 33.4% last year.  PAF remained stable at 88.1%/97.6% for coal and gas respectively.  Higher than expected operating expenses resulted in the EBITDA  coming in 5.5% below estimate, at Rs.4031 Cr.  The EBITDA however increased 24% yoy resulting in a 315 bp improvement in margin. 
 

 While depreciation and interest expenses were in line with expectations, higher tax refunds boosted net profit, which came in 9.6% ahead of expectation at Rs.2898 Cr.  Strong capacity addition to drive regulated equity:  NTPC’s current capacity stands at 45,048 MW and the company plans to add  23,500 MW by 2019.  The company will commission 7500MW  by 2017,   8,050 MW in FY 2018 and 8200 MW in FY 2019.  Led by the strong capex, the Management expects to see a 45% jump in regulated equity by FY 2018 and  a 75% increase by FY 2019.   NTPC   the growth offered by regulated equity  model, huge capacity addition plans and expected improvement  in demand for power in the country.  At the current market price  of Rs. 131, the stock quoting a P/BV of 1.27x and 1.19x its FY 2016 E and FY 2017 E BV/share of Rs.105 and Ra.112, respectively .  NTPC is a Govt. owned Blue Chip Company.
 

Good Luck.                                                               See You Later.

QUOTES-POSITIVE INSPIRATIONAL AND FUNNY QUOTES.

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

Whenever you correct someone’s grammar,  just remember that nobody likes you.

Life is like a movie.   If you are sad – Drama.  If you are afraid – Suspense.  If you are angry – Action.  When you look at the mirror – Horror.  Now you are smiling:  That is comedy.

Best friends make the good times better and the hard times easier.

Teacher, you should know this , you learned this three years ago.  Me: I don’t even remember what I ate last week.

Dear  sleep, I know we had problems when I was younger but I love you now.

The worst feelings in the world is the home sickness that comes over a man occasionally when he is at home.

Everything is funny, as long as it’s happening to somebody else.

A doctor and an engineer both loved same girl.  Doctor every day gives her a Rose.  

Engineer gives her an apple  daily.  Doctor to Engineer why you give her an apple every day?  Engineer replied.  An apple a day keeps a doctor away.

You wanna know who I am in love with?  Read the first word again.

We were given:  Two hands to hold.  Two legs to walk.  Two eyes to see,  two ears to listen.  But why only one heart.  Because the other was given to some one else.  For us to find.

Best way to kill yourself  - Love someone truly  you will die daily.

The most romantic love story is not Romeo and Juliet who died together but Grandpa and Grandma who grew old together.

The world is a tragedy to those, who feel, but a comedy to those who think.

Life is comedy to those who think, a tragedy to those who feel.

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

Good Luck.                                                             See You Later.

26 Nov 2015

SHARE MARKET- NAVANEET EDUCATION LTD.

Hi Friends,  Navneet Education Ltd. (Rs.85) is primarily engaged in the business of publishing educational material, in both print and digital formats.  The company also manufactures paper and non-paper stationery products.  Investment Arguments Business expansion to mitigate cyclical risk:  NEL’s Publication business is seasonal in nature and any strong growth is dependent on major changes in the syllabus of Maharashtra (market share of 60%) and Gujarat boards (market share of 65%).  Now, the company is attempting to increase its revenues through business expansion in different segments.  It is taking initiatives like (a) Content publication for CBSE syllabus:  Apart from Maharashtra and Gujarat, NEL  is targeting to grow its presence in other states through its CBSE content business.  It is anticipated that the growth may continue to be strong in the segment on account of a syllabus change and also  with more schools in different states adopting CBSE curriculum.  (b)  Selling supplementary books to government :  NEL takes orders to sell  supplementary books to Maharashtra government ,  which get distributed to students in government schools.


  In FY 2013, NEL generated Rs.27 Cr through this business.  But in FY 2014, there were no government orders after many controversies arose related to the issue of tenders.  The tenders issue then got resolved and in FY 2015 the company generated a revenue of around Rs.25 Cr.  Going forward, the company to achieve strong revenue from the segment.  Higher exports  to drive stationery growth business:    In the Stationery segment, the company to report healthy growth in coming financial years on back of higher growth in exports.  The company mainly exports to USA and Africa.  Also, the company is looking to tap newer geographies like the  Middle East.  In FY 2015, exports in the segment reported a yoy growth of 33% to Rs.170 Cr.  In FY 2016, the company expects around Rs.200 Cr. from export sales.
 

 On the margin front, the company is expecting a margin improvement by 30-40 bp, benefiting from economies of scale.  Given the company’s proven track record, its strong brand, consistent performance of Government projects and E-Learning (Digital) segments, and with it tapping new segments like CBSE  across India, we can expect it to report  a healthy top-line and bottom-line CAGR of 4.1% and 5.5%, respectively, over FY 2015- 17E.  Moreover NEL has repaid the Rs.90 Cr. loan which will lead to significant saving in interest cost in the coming financial years.  At the current market price, the stock trades at a PE of 14.4x its FY 2017 E EPS.  Expecting good growth in all fields.
 

Thanking you,                                                             See You Later.

QUOTES- POSITIVE AND INSPIRATIONAL QUOTES.

Hi Friends,  Please read following positive & inspirational quotes.

There is harmony through out the universe, in every thing except human relationships.

Self discipline is the first rule of all successful leadership.

Today’s dreams become tomorrow’s realities.

It is not true that “all men are born equal”.  But it is true that they are born with equal rights.


A man who is at peace with himself is also at peace with the world.

Victory is always possible for the person who refuses to stop fighting.

An educated person is not necessarily the one who has  the knowledge , but the one who knows where to get it when he needs it.

A sick mind is more dangerous than a sick body, for it is a form of sickness which is always contagious.

If you born poor, it is not your mistake, but if you die poor, it is your mistake.

The man who trusts no other person doesn’t trust himself.

Riches improperly used become liabilities.

Train your mind to think in terms of it is possible and it can be done.

Happy thoughts attract happy people into your life.

A man needs difficulties in life because they are necessary to enjoy the success.

All of us do not have equal talent.  But all of us have an equal opportunity to develop our talents.
 

Good Luck.                                                                 See You Later.

25 Nov 2015

STOCK MARKET- KNOWLEDGE BANK.

Hi Friends,   Why would I choose stocks?

Stocks are one of the most effective tools for building wealth, as stocks are a share of ownership of a company.  You thus have great potential to receive monetary benefits when you own stock shares.  Owning stocks of fundamentally strong companies simply lets your money work harder for you since they appreciate in value over a period of time while also offering rich dividends on a periodic basis.


What instruments are traded in the stock markets?

There are various types of instruments traded in the stock market.  They include shares, mutual funds, IPOs, futures and options.


Where do I buy stocks?

Stock trading happens on stock exchanges.  However, you cannot buy directly at the exchange.  To buy stocks, you need to find a suitable broker who will understand your needs and buy stocks on your behalf.  You can think of them as agents who will conduct transactions for you without actually owning any of the securities themselves.  In exchange for facilitating or executing a trade, brokers will charge you a commission.


Where do I find stock related information?

Some of the most accessible avenues to get stock information are the internet, business news channels and print media.


What are some of the orders I can place?

You can place different kinds of orders such as Market orders, limit orders, stop loss orders, good – till – cancelled orders, after – market orders (AMOs), etc.


Market Order:  A market order is an order to buy or sell a stock at the current market price.  It signals your broker to execute the order at the best price currently available.  However, as market prices keep changing, a market order cannot guarantee a specific price.

Limit Order:  To avoid buying or selling  a stock at a price higher or lower than you wanted, you need to place a limit order rather than a market order.  A limit order is an order to buy or sell a security at a specific price.  You could use a limit order when you want to set the price of the stock.  In other words, you want to sell/buy particular scrip at a price other than the current market price.  However, although a limit order guarantees a price, it cannot guarantee execution of the trade.  This is because the stock might not reach the desired price on that particular trading day owing to market-related factors.

Stop Loss Order:  A stop loss order is a normal order placed with a broker to sell a security when it reaches a certain predetermined price called the trigger price.  Sometimes the market movements defy your expectation.  Such market reversals often result in loss-bearing transactions.  The stop loss trigger price is your defense mechanism-an amount at which you will be able to sustain yourself against such unanticipated market movements.

QUOTES- POSITIVE INSPIRATIONAL AND FUNNY QUOTES.

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

Whenever you correct someone’s grammar,  just remember that nobody likes you.

Life is like a movie.   If you are sad – Drama.  If you are afraid – Suspense.  If you are angry – Action.  When you look at the mirror – Horror.  Now you are smiling:  That is comedy.

Best friends make the good times better and the hard times easier.


Teacher, you should know this , you learned this three years ago.  Me: I don’t even remember what I ate last week.

Dear  sleep, I know we had problems when I was younger but I love you now.

The worst feelings in the world is the home sickness that comes over a man occasionally when he is at home.

Everything is funny, as long as it’s happening to somebody else.

A doctor and an engineer both loved same girl.  Doctor every day gives her a Rose.  Engineer gives her an apple  daily.  Doctor to Engineer why you give her an apple every day?  Engineer replied.  An apple a day keeps a doctor away.

You wanna know who I am in love with?  Read the first word again.

We were given:  Two hands to hold.  Two legs to walk.  Two eyes to see,  two ears to listen.  But why only one heart.  Because the other was given to some one else.  For us to find.

Best way to kill yourself  - Love someone truly  you will die daily.

The most romantic love story is not Romeo and Juliet who died together but Grandpa and Grandma who grew old together.

The world is a tragedy to those, who feel, but a comedy to those who think.

Life is comedy to those who think, a tragedy to those who feel.

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

Good Luck.                                                                   See You Later.

24 Nov 2015

STOCK MARKET- VALUE INVESTING TIPS.


Hi Friends,   Mantras for selecting shares for investment.
There are three things you need when selecting shares:  Common Sense, Research and Luck.  The first of these is often overlooked and undervalued.  It means walking into a big department store, say, noticing that it’s very busy, the quality of the products is good , and the tills are ringing merrily.  You might say to yourself:  This shop’s doing well, there is a real buzz about it.  I wonder if I should buy shares in the company that owns it?  Or it could be taking a more strategic  view and thinking:  More and more people are buying Digital TVs  these days,  I wonder if I should invest in one of the companies that makes them?  But this common sense approach should always be backed up with the second requirement for selecting shares:  solid research .  And this is the boring, but essential bit.



Here’s some basic questions to ask about a company you’re interested in:
Is it in a sector you think will do well?  What are your reasons for thinking this?
Does the company offer something unique, or are there many competitors in the same field?

What kind of track record does the company have to date?
Is the company growing?  (Look at its year-on-year performance figures).
How much cash does it have in the bank?
If it is not yet in profit, is it at least increasing its revenues in  a healthy way?
Is it showing growth in the dividends it pays out?
How highly valued is it?  (The price-earnings ratio is one measure of this.)  Is this based largely on future expectations or on past performance?
How volatile is the share price?  (Study its share price charts over different periods)
How is the company viewed by City analysts, the press and other commentators?
Is it considered to be a high-growth, high-risk sort of company, or stable and slow-growing?

The answers to all these questions should help you decide whether it is worth investing in the company and for how long.

Good Luck.                                                                See You Later.

QUOTES- POSITIVE,INSPIRATIONAL AND FUNNY QUOTES.

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

When I am SINGLE,  all I see are couples being happy.  When I am DATING someone, all I see are singles being happy.

I hate it when couples have a little fight and then change their Face Book status to single.   I fight with my parents, and don’t change my status to orphan.

My Mom said follow your dreams, so I went back to bed.

The difference between school and life:  In school, you are taught a lesson and then given a test.  In life, you are given a test that teaches you a lesson.

My brain is like the Bermuda Triangle.  Information goes in and then it is never found again.

It is funny how when I am loud, people tell me to be quiet, but when I am quiet, people ask me what is wrong with me.

Don’t break anybody’s heart, they have only one.  Break their bones, they have 206.

Marriage is a relationship in which one is always right and the other is the  husband.

Yellow, Blue, Orange,  Black and Green .   Purple Yellow Red  Orange Green Black Blue Red Purple Green Blue  Orange.

I gave my father Rs.1000 /- and said , buy yourself something that will make your life easier.  So he went out and bought a present for my mother.

Always borrow money from a pessimist.  He won’t expect it back.

Three most difficult things to do in the world.:  1. You can’t count your hair.  2.  You can’t wash your eyes  with soap.  3.  You can’t breathe when your tongue is out.   Now please put your tongue back inside.

What is your qualification?

I  am a PhD.  What you mean by PhD.  Passed High school with Difficulty.

Common sense is a flower that does not grow in every one’s garden.

The trouble with retirement is that you never get a day off.

Common sense is like Deodorant.  The people who need it most never use it.
 

Good Luck.                                                              See You Later.