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.

5 Dec 2015


Hi Friends, Turnaround stocks :     You select turnaround stocks carefully.    While there could be hundreds of sick and dead companies, you have to carefully focus on genuine turnaround stocks based on a detailed study of their fundamentals and potential for success.  The tools and techniques discussed in detail in the several posts already published in the site.  Refer it and follow.   When you are talking about turnaround stocks, information is power.  Any piece of important news which can affect the turnaround process is vital for investors.  Keep your eyes and ears wide open.  Things can happen pretty fast.  The price movements can, therefore, be pretty fast too.  There are several turnaround situations which are unlikely to succeed.  You should be careful about these false turnarounds.

 The stock market is full of gossip and inspired stories often planted by vested interests in newspapers, journals and stock market newsletters.  The so-called insiders also spread such information to guide (or misguide) the investors.  Turnaround stocks are not immune from these manipulative practices. Major events which have a high impact value on the future of turnaround stocks should be carefully evaluated.  Such events include change of management, mergers and amalgamations, changes in government policies and taxes , etc.  When the companies are going through a turnaround process, they usually need more funds.  Hence, rights issues are quite common.  Such rights issues are typically low-priced in order to attract good subscription.  You should take full advantage of such low-priced rights issues of turnaround companies. 

At the end of the day, you have not made any real money in the stock market unless you have booked your profits.  In other words you must sell your turnaround stocks at the right time and at the right price.  Booking profits is crucial to success.  Don’t worry if you make a mistake.  All of us make mistakes.  Don’t even cry about split milk.  Once you know that you  made a mistake try to limit the loss through a damage-control strategy.  Take a hard look and get out of those wrong investments.  Do it fast, so that your money can be quickly redeployed.  You should carefully review your portfolio of turnaround stocks applying various portfolio review tools and techniques like Sharpe’s Index and Treynor’s Index.  You are advised to review  your portfolio at least once a quarter.

Good Luck.                                                                   See You Later. 


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

You love flowers, but you cut them, You love animals, but you eat them.  You tell me you love  me, so now I am scared.

The biggest lie I tell myself is I don’t need to write that down, I will remember it.  If there was an award for laziness, I’d probably send someone to pick it up for me.

Don’t think of yourself as an ugly person.  Think of yourself as a beautiful monkey.

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

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 fast,  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.

Six Ethics of Life:
Before you pray:            Believe
Before you spend:         Earn
Before you speak:          Listen
Before you write:           Think
Before you quit:             Try  4
Before you die:               Live.       

Good Luck.                                                     See You Later.

4 Dec 2015


Hi Friends,  Profiting in Bear and Bull Markets:

Both Bear Market and Bull Market represent tremendous opportunities to make money, and the key to success is to use strategies and ideas that can generate profits under a variety of conditions.  This requires consistency, discipline, focus and the ability to take advantage of fear and greed.

Ways to Profit in Bear Markets:  A bear market is defined as a drop of 20% or more in a market average over a one-year period, measured from the closing low to the closing high.  Generally, these market types occur during economic recessions or depressions, when pessimism prevails.  But amidst the rubble lie opportunities to make money for those who know how to use the right tools.  Following are some ways to profit in bear markets.  1.  Short Positions:  Taking a short, also  called short selling occurs when you sell shares that you don’t  own in anticipation that the stock will fall in the future.  If it works as planned and the share price drops, you must buy those shares at the lower price to cover the short position. 2.  Put Options:  A put option is the right to sell a stock at a particular strike price until a certain date in the future, called the expiration date.  The money you pay for the option is called a premium .  A s the stock price falls, you can either exercise the right to sell the stock at the higher strike price or sell the Put Option, which increases in value as the stock falls, for a profit (provided the stock moves below the strike price).

Ways to Profit in Bull Market:   A bull market occurs when share prices rise faster than the overall average rate.  These market types are accompanied by economic growth periods and optimism among investors.  Following are some appropriate tools for rising stock markets.  1. Long Positions:        A long position is buying a stock or any other security in anticipation that its price will rise.  The overall objective  is to buy the stock at a low price and sell it for more than you paid.  The difference represents your profit.  2.  Calls:  A call option is the right to buy a stock at a particular price until a specified date.  A call  option buyer, who pays a premium, anticipates that the stock’s price will rise , while the call option seller anticipates it will fall.  If the stock price rises, the option buyer can exercise the right to buy the stock at the lower strike price and then sell it for a higher price on the open market.  The option buyer can also sell the call option in the open market for a profit, assuming the stock is above the strike price.

How to Spot Bear and Bull Markets:  Market Trade in cycles, which means that most investors will experience both in a lifetime.  The key to profiting in both Market types is to spot when the markets are starting to top out or when they are bottoming

There are many ways to profit in both bear and bull market.  The key to success is using the tools for each market to their full advantage.  In addition, it is important to use the indicators in  conjunction with one another to spot when both bull and bear markets are beginning or ending.  Short selling, put options are just a few bear market tools that allow investors to take advantage of the market weakness, while long positions in stocks and a call option are suitable for bull markets.  The advanced decline line and price dividend ratio will allow you to spot market tops and bottoms.

Good Luck.                                                                   See You Later. 


Hi Friends,  Please read the following positive Life Quotes.

Life is like the dice that, falling , still show a different face.  So life, though it remains the same, is always presenting different aspects.   Alexis.

Our life’s a stage, a comedy:  either learn to play and  take it lightly, or bear its troubles patiently.  Palladas.

The true meaning of life is to plant trees, under whose shade you do not expect to sit.  -  Nelson Henderson.

It is the familiar that usually eludes us in life.  What is before our noses is what we see last.  William Barrett.

To change one’s life:  Start immediately.  Do it flamboyantly.  No exceptions.  William James.

The purpose of life is a life of purpose.  Robert Byrne.

The grand essentials of life are something to do, something to love,  something to hope for.   Thomas Chalmers.

The great blessings of mankind are within us and within our reach; but we shut our eyes, and like people in the dark, we fall foul upon the very thing we search for, without finding it.
Life is something like a trumpet.  If you don’t put anything in you don’t get anything out.  W.C Handy.

Govern thy life and thoughts as if the whole world were to see the one, and read the other .  Thomas Fuller.

Most of the shadows of this life are caused by our standing in our own sunshine.  Ralph Waldo Emerson.

As one goes through life, one learns that if you don’t paddle your own canoe, you don’t move.  Katherine Hepburn.

We must be willing to relinquish the life we’ve planned , so as to have the life that is waiting for us.  Joseph Campbell.

Life, in all ranks and situations, is an outward occupation, an actual and active work.  W.Humboldt.

Everything  that happens to us leaves some trace behind; everything contributes imperceptibly to make us what we are.  Johann Wolfgang von Goethe.

Unrest of spirit is a mark of life; one problem after another presents itself and in the solving of them we can find our greatest pleasure.   Kal Menninger.

Life is like playing a violin solo in public and learning the instrument as one goes on. Samuel Butler.

Good Luck.                                                       See You Later.

3 Dec 2015


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

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

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

A speculator keep his holding for a short period i.e. holding periods varies from days to months.  Speculator undertakes high risk.  He is always considering information, here says and market behaviour.  Probably he uses borrowed funds to supplement his personal resources.  But you see the investor plans for a longer time horizon.  His holding period may be more than one year to few years.  Considers fundamental factors and evaluates the performance of the company quarterly.  Uses his own funds, and avoids borrowed funds.
From my experience I realized that speculation get result of losing money.  But as an investor may get profit @15% and above. In the present market scenario speculation result huge loss but investors invest for 3 years and above in growth oriented shares will be rewarded handsomely.  Luck factor is also there.

Good luck.                                                                    See you later.


Please read the following positive  inspiring love quotes.

The more one judges, the less one  loves.- Hon ore de Balzac.

A kiss is a lovely trick designed by nature to stop speech when words become superfluous. -   Ingrid Bergman.

Being deeply loved by someone gives you strength, while loving someone deeply gives you courage.  Lao Tzu.

Love is when you meet someone who tells you something new about yourself. -   Andre Breton.

Love is a better teacher than duty.  -  Albert Einstein.

True love comes quietly, without banners or flashing lights.  If you hear bells, get your ears checked.-  Erich Segal.

Every  person has to love at least one bad partner in their lives to be truly thankful for the right one.-  Unknown.

Love is what you’ve been through with somebody.   -  James Thurber.

The best proof of love is trust. -  Joyce Brothers.

A woman knows the face of the man she loves as a sailor knows the open sea. -  Hon ore de Balzac.

For small creatures such as we the vastness is bearable only through love. -  Carl Sagan.

Fortune and love favour the brave.  -  Ovid.

Love is not only something you feel, it is something you do.  -  David  Wilkerson.

Loving people live in a loving world.  Hostile people live in a hostile world.  Same world. -  Wayne Dyner.

Darkeness cannot drive out darkness:  only light can do that.  Hate cannot drive out hate:  only love can do that.  Martin Luther King Jr.

If you live to be a hundred, I want to live to be a hundred minus one day so I never have to live without you. -  A.A. Milne.

All you need is love.  But a little chocolate now and then doesn’t hurt. -  Charles Schulz.

Good Luck.                                                        See You Later.

2 Dec 2015


Hi Friends, 
Mantras to Trade in Volatile Markets.
Emotional reactions to news events, policy changes and geopolitical turmoil can cause unsettling downturns.  Global economics, currency exchange rate volatility and political uncertainty in 2015, has resulted in one of the longest periods of sideways markets in recent memory.  Most recently, worries about slowing economic growth in China, falling global commodity prices and concerns over Fed interest rate hikes, have resulted in the largest equity market pullback  since the fall of 2011.  But market pullbacks and corrections are a normal part of every  bullish market cycle,  and the most recent decline is not only statistically overdue but also unlikely.  When volatility flares up, it is important that you don’t let it derail your trading activity or your long-term investing goals.
Ignore Emotions:  Emotions have no place in trading.  Decisions regarding which stocks to own should be based on fundamental analysis or other research that examines  the financial condition of the underlying companies.  When markets get choppy, knowing what to own becomes even more important.  Once you have a target list of stocks, employing technical analysis-the study of stock prices and trends-can help you select your entry and exit prices. Then, monitor your positions carefully.  Set realistic profit and loss thresholds and follow them when the stock price moves outside of these bounds.  Don’t expect to outperform the broader market each year;  even professionals rarely do that.  Also remember that you don’t have to trade your entire portfolio actively-in fact, you shouldn’t.  Instead, consider your personal risk tolerance when deciding how much of your portfolio  will be used for trading-perhaps something like 20-30%- and then keep the rest of your portfolio as core holdings.  With these longer-term investments, be sure to stay diversified and stick to your target asset allocation.
Maintain your risk tolerance and trade smaller positions:  Most traders think they have a high tolerance for risk-that is, until they encounter a bear market.  Before that happens, make sure you understand your capacity to withstand losses.  Don’t assume overly large positions to maximize gains if you aren’t comfortable with the risks involved.  When trading, consider scaling in and out of positions by buying the stock in increments as its price fluctuates, or selling in increments when you think it may be getting close to a top.  When properly managed, scaling in and out can reduce your overall cost basis and prevent you from owning too much of a position that is moving against you.


Hi Friends,  Today I would like to share thoughts about love from the people who have walked this earth before us.

Love takes off masks that we fear we cannot live without and know we cannot live within.

Love yourself first and everything else falls into line.  You really have to love yourself to get anything done in this world.

The most important thing in life is to learn how to give out love, and to let it come in.   Morrie Schwartz.

If I know what love is, it is because of you.   Herman Hesse.

I love you not because of who you are, but because of who I am when I am with you.  Roy Croft.

Love is a friendship set to music. Joseph Campbell.

We are shaped and fashioned by what we love.  Johann Wolfgang von Goethe.

When we are in love we seem to ourselves quite different from what we were before.  Blaise Pascal.

The way to love anything is to realize that it may be lost.   Gilbert K. Chesterton.

It takes  courage to love, but pain through love is the purifying fire which those who love generously know.  We all know people who are so much afraid of pain that they shut themselves up like clams in a shell and, giving out nothing, receive nothing and therefore shrink until life is a mere living death.   Eleanor Roosevelt.

Don’t brood.  Get on with living and loving.  You don’t have forever.  Leo Buscaglia.

Your task is not to seek for love, but merely to seek and find all the barriers within  yourself that you have built against it.   Rumi.

Love is of all passions the strongest, for it attacks simultaneously the head, the heart and the senses.   Lao Tzu.

You know  it’s love when all you want is that person to be happy, even if you’re not part of their happiness.

At the touch of love everyone becomes a poet.   Plato.

If I had a flower for every time I thought of you....I could walk through my garden forever.  
Alfred Tennyson.

Good Luck.                                                             See You Later.

1 Dec 2015


 Hi friends. What is Financial Analysis?

The best source of financial information about a company is its own financial statements.  This is a primary source of information for evaluating the investment prospects in a company’s stock.  Financial statement analysis is the study of a company’s financial statement from various viewpoints.  The statement gives the historical and current information about the company’s operations.  Historical financial statement helps to predict the future.  The current information aids in analyzing the present status of the company.  The two main statements used in the analysis are:  Balance sheet and Profit and Loss account.  The balance sheet shows all of a company’s sources of funds (liabilities and stockholders’ equity ) and uses of funds at a given point in time.  The balance sheet can either be in the horizontal or vertical form.

 The balance sheet provides an account of the capital structure of the company.  The net worth and the outstanding long-term debt are known from the balance sheet.  The debt has certain advantages in terms of cost and market acceptability.  The use of debt creates financial leverage beneficial or detrimental to the shareholders depending on the size and stability of earnings.  If revenues are stable and certain, a large amount of debt can be carried and it is beneficial to the shareholder.  If the earnings fluctuate, the debt  should be low in the capital structure, so that the payment of interest is not detrimental to shareholders.  It is better for the investor to avoid a company with an excessive debt component in its capital structure.  From the balance sheet, the liquidity position of the company can also be assessed with the information on current assets and current liabilities.  The overall ability to pay its short-term obligation can be found out.

Profit and Loss Account Analysis of  the financial condition of the company requires a report on the flow of funds too.  The income statement reports the flow of funds from business operations that take place between two points of time.  It lists the items or income and expenditure.  The difference between the income and expenditure represents profit or loss for the period.  It is also called income and expenditure statement.

An investor should scrutinize the financial statements to find out the  manipulations, if any.  The auditors’ report and notes to the balance sheet give vital clues to the investor in this regard.  Analysis of financial statements should be undertaken only after nullifying the effects of any such manipulation.

Good Luck.                                                                 See You Later.


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

Every day may not be good, but there is something good in every day. 

When your ex says:  You will never find anyone like me reply with:  “that’s the point”.

I don’t have an attitude problem.  You have a problem with my attitude and that‘s not my problem.

Don’t forget to pray today, because God did not forget to wake you up this morning.

Now a days, people know the price of everything and  the value of nothing.

Everything in life is temporary .  So if things are going good, enjoy it because it won’t last for ever.   And if things are going bad, don’t worry.  It can’t last forever  either.

Hey, I will be back in 5 minutes but if I am not, just read this message again.

Knowledge is knowing, a tomato is a fruit.  Wisdom is not putting it in a fruit salad.

Am I the only one who calculates how much sleep I can get before going to bed.

70% of people don’t know  opposite words for the following. 1. Always   2. Coming   3.  From  4.  Take   5.  Me   6.  Down.

Make peace with your past.  So it won’t disturb your present.

What other people think of you is none of your business.

Time heals almost every thing.  Give it time.

No one is in charge of your happiness except you.

Don’t compare your life to others and don’t judge them, you have no idea what their journey is all about.

Wish You Good Luck.                                          See You Later.

30 Nov 2015


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.


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.