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.

12 Dec 2015



  a)      Never buy a share at a price  that is equal to, or higher than, the share’s peak price in the previous year. Under normal conditions (when the stock markets are neither rising or falling rapidly) try to buy the share at a time when its price is hovering between the previous year’s lowest and average price .  In a rapidly rising market, you can safely buy the share at a price which is equal to , or a little higher than, its previous year’s average price.  Do not buy a share at a price that is more than 10 per cent higher than the share’s average price in the previous  year

. b)      Do not buy shares in a falling market. Wait for the fall to be completed, and share price to stabilize at their lower levels,  before buying.

 c)       Don’t buy a share at a time when everybody is recommending it or when it is in the limelight.  Chances are that you will be buying an overpriced share.  Wait for the publicity to die out and share prices to fall, before buying it.  The other appropriate time to buy the  share would be in the early stages when the publicity on the company is building up and the company is not fully exposed to the glare of  publicity.

 d)      Don’t buy a share immediately after a steep  rise in its price.   A steep rise is usually followed by a steep fall; the steeper the rise, the greater the subsequent fall. When share prices fall, they usually retrace about  one-third to two-thirds of the price range covered by the earlier rise .  Thus if the price of a share rises from Rs.30 to Rs.45, then in the subsequent fall its price will probably drop to about Rs.35 to Rs.40 per share.  This is the appropriate time and price range for buying the share.

 e)      A sharp fall in prices offers an opportunity for buying, provided you are confident that the fall in price is purely temporary and that the future outlook of the company is promising enough  to ensure that the subsequent rise in price will go far beyond the level from which it earlier fell.   

  Thanking you.                                                         see you later,


Hi friends, 200 MOTIVATIONAL AND INSPIRATIONAL QUOTES (Book) Published by Amazon is     REVIEWED.
 This book complied by Kathy Collins is  highly recommended to those who always seek a motivation and would love to grow beautifully every day . I completely enjoyed reading this book because its contents are written in the simplest way and very easy to understand. Awesome Quotes can change every one of us has gone through good times as well as bad times. When we are in our bad times especially feeling lonely or failed in life, all we need is a hand to take us up. For me this book is that invisible hand which helps me to give that encouragement which leads to success. By just reading and reflecting on a few epigrams or even a page a day, you will be conditioning your mind for positive, motivational and inspirational mind for positive outcomes. These Quotes contribute to your healing financially, mentally, physically, spiritually, socially and emotionally today and throughout the year. The messages inside are always pertinent to concerns of your life. When thoughts are directed towards positive motivational outcomes, positive behaviours follow.

If you like a unique and special way to decor your life with success, I suggest you to read this book and try to follow it. Happiness comes to those who seek for it. Even our friends will leave us at some point of our life. There might not be anyone to give us any advice. I can assure you that this book can be your best friend whenever you need a motivation from somebody. You will find it hard to put down this book before finish it reading fully. I hope you too will have a great time in reading this gem of a book. I would like to rate ***** for this Book. Thanks Lord.

Christy boy j, B.Com, LL.B.,
Dy.Collector (Retired).


Hi friends, please read the following positive inspirational quotes.

   “To achieve greatness, start where you are, use what you have, do what you can.”
Arthur Ashe
 “Nothing great was ever achieved without enthusiasm.”
Ralph Waldo Emerson

  “If we did all the things we are capable of doing, we would literally astound ourselves.”
Thomas Edison
 “If you can imagine it, you can achieve it; if you can dream it, you can become it.”
William Arthur Ward

  “A journey of a thousand miles must begin with a single step.”

 “Strong, deeply rooted desire is the starting point of all achievement.”
Napoleon Hill
 “The greatest discovery of my generation is that human beings can alter their lives by altering their attitudes of mind.”
William James
 “Be not afraid of greatness: some are born great, some achieve greatness, and some have greatness thrust upon them.”
William Shakespeare
“A man with no imagination has no wings.”
Muhammad Ali

  “The future belongs to those who believe in the beauty of their dreams.”
Eleanor Roosevelt
 “What a man thinks of himself, that is which determines, or rather indicates, his fate.”
Henry David Thoreau
“The best way to predict the future is to create it.”
Peter F. Drucker

  “We are what we repeatedly do. Excellence, therefore, is not an act, but a habit.”
“It is our choices…that show what we truly are, far more than our abilities.”
J. K. Rowling

  “When it is dark enough, you can see the stars”
Ralph Waldo Emerson

  “When you follow the dream in you heart, you’re energised, inspired, and motivated.”
Dr. John F. Demartini
“Use what talents you possess; the woods would be very silent if no birds sang there except those that sang best.”
Henry Van Dyke

Thanking you ,                                          see you later.

11 Dec 2015


Hi friends, Virinchi Technologies Ltd. I have recommended this share in my Website on 16.07.2015 Listed in BSE only (code-532372) when it was quoting Rs.21.80 is a small cap IT Company. Today i.e. on 11.12.2015 the share is trading @ rs.42.35 (100%)profit. The difference is +20.55. The Index has reduced too much. I am furnishing it for investor’s reference. Investors can refer other shares recommended in this site and the price quoting now.
POST DATED 15.07.2015

Virinchi Technologies Ltd. is currently trading at around 40% of its book value and PE 10 but has also reported strong results in the current year ended 31.3.2015. Total sales 79.09 Cr and net profit 3.61 Cr. Its net debt equity ratio is 0.25.

VTL is a global leader in providing IT solutions to the retail micro lending industry mainly in the US with its flagship product Q Fund. It has another product called Q Pawn which is a similar IT solution for the needs of the pawn- bro king industry. The company claims that Q Pawn is a market leader in North America and the UK while Q Fund is a market leader in North America where 12 out of the top 20 players in the short term loan industry use their software.

The total market size of retail micro lending in the US at any given point of time is about USD 15 billion with around 20,000 small and mid level players contributing to it. This is a vast opportunity and the company plans to aggressively tap this pool of potential users. The company aggressively plans to expand its service business in the future.

Financials:- equity capital 17.99 Cr. Market price of share Rs.21.80, Face value of share Rs. 10/-, market capitalization 39.21 Cr,EPS 2.01, PE-10.08,book value-51.41, Industry PE 21, gross sales in Cr for the year (2011-2015) 37.08, 36.01, 42.59, 64.01 and 79.09.Net profit in Cr for the year ( 2011-2015) 2.68, 1.91, 2.06, 1.40 and 3.61. Last quarter ended 31.3.2015 the company achieved gross sales Rs. 24.30 Cr and net profit Rs 1.95 Cr.

The present stock price deserves more valuation than the current level and therefore we may expect good appreciation from the current level in the next one year. Try your luck.

Thanking you,                                                           see you later.


Hi friend, please read the happiness and awesome quotes

The ability to simplify means to eliminate the unnecessary so that the necessary may speak
Hans Hofmann

My aim is to put down on paper what I see and what I feel in the best and simplest way.
Ernest Hemingway

As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness.
Henry David Thoreau

Reduce the complexity of life by eliminating the needless wants of life, and the labors of life reduce themselves.
Edwin Way Teale

Life is really simple, but we insist on making it complicated.

Simplicity is the ultimate sophistication.
Leonardo da Vinci

Very often, people confuse simple with simplistic. The nuance is lost on most.
Clement Mok

The aspects of things that are most important to us are hidden because of their simplicity and familiarity.
Ludwig Wittgenstein

The sculptor produces the beautiful statue by chipping away such parts of the marble block as are not needed – it is a process of elimination.
Elbert Hubbard

Our life is frittered away by detail… Simplify, simplify.
Henry Thoreau

Everything should be made as simple as possible, but not simpler.
Albert Einstein

Simplicity is an acquired taste. Mankind, left free, instinctively complicates life.
Katherine F. Gerould

Besides the noble art of getting things done, there is the noble art of leaving things undone. The wisdom of life consists in the elimination of non-essentials.
Lin Yutang

Frugality is one of the most beautiful and joyful words in the English language, and yet one that we are culturally cut off from understanding and enjoying. The consumption society has made us feel that happiness lies in having things, and has failed to teach us the happiness of not having things.
Elise Boulding

Good luck .                                                                   see you later.

10 Dec 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.    


Hi friends,please read the following inspirational quotes on happiness.

In seeking happiness for others, you find it for yourself.

The secret of happiness is not in doing what one likes, but in liking what one does.
James M. Barrie

When one door of happiness closes, another opens, but often we look so long at the closed door that we do not see the one that has been opened for us.
Helen Keller

Happiness is the art of never holding in your mind the memory of any unpleasant thing that has passed.

To be happy, we must not be too concerned with others. 
Albert Camus

If you want happiness for an hour — take a nap.
If you want happiness for a day — go fishing.
If you want happiness for a year — inherit a fortune.
If you want happiness for a lifetime — help someone else.
Chinese Proverb

Happy people plan actions, they don’t plan results.
Dennis Waitley

If men would consider not so much wherein they differ, as wherein they agree, there would be far less of uncharitableness and angry feeling in the world.
Joseph Addison

Happiness is acceptance.

Thousands of candles can be lighted from a single candle, and the life of the candle will not be shortened. Happiness never decreases by being shared.

9 Dec 2015


Hi friends,The successful application of the buy and hold strategy depends upon the initial selection of the shares. Therefore, it is very important for you to select your shares after careful research, analysis and study. Select only those companies which are well managed, technologically advanced and which have drawn up massive long term expansion-cum diversification plans. The buy and hold investment strategy will work best only with such companies. Secondly, do not put all your money into one company. Diversify by investing in at least ten companies operating in different industries. Thirdly, diversify over time also. Do not invest all your money at one time. Spread your investments over about six months to one year. In this way, you will be able to bring down your average investment costs and avoid the danger of investing at a time when the market is at one of its peaks. Fourthly, give your investment time to produce results. Don’t expect instant results.. Don’t get nervous or upset by unexpected short term market fluctuations and don’t let them provoke you into hastily restructuring or altering your original investment portfolio. Remember you are long term buy-and-hold investor and therefore keep your long term investment goals constantly in the forefront of your mind. Keep your mind on the long term cycles and ignore the sporadic ups and downs.

Wish you all success.                                                    See you later.


    closes your understanding.” —Khalil Gibran

Hi friends.please read the Awesome quotes which change the quality of your life

“Life appears to me too short to be spent in nursing animosity or registering wrongs.” —Charlotte Brontë

“He who smiles rather than rages is always the stronger.” —Japanese proverb

“Maturity is achieved when a person postpones immediate pleasures for long-term values.” —Joshua L. Liebman

“Fame is a vapor, popularity an accident. Riches take wing. Only one thing endures. And that is character.” —Horace Greeley
“When you are sorrowful look again in your heart, and you shall see that in truth you are weeping for that which has been your delight.” —Kahlil Gibran

“There’s enough for everyone’s need, but not for everyone’s greed.” —Ghandi

“Holding on to anger is like grasping a hot coal with the intent of throwing it at someone else: you are the one who gets burned.” —Buddha

“Forgiveness does not change the past, but it does enlarge the future.” —Paul Boese

8 Dec 2015


Hi friends, Tips, rumours and gossip.

The stock market is the biggest circulators of tips, rumours and gossip in the country. As an investor you will find it very difficult to insulate yourself from the pernicious influence of such tips and rumours. Some of them can be very persuasive. Listening to tips and rumours is one sure way of being infected by the crowd. Therefore, try to build up your psychological defenses against tip and rumours. We cannot help you in this regard, except to warn you against the dangers of listening to, and acting on, tips and rumours. You will have to devise your own methods of safeguarding against tips, rumours and stock market gossip. It is very dangerous situation if you go and play according to tip, rumours and gossip, final result will be losing your pocket. So be conscious.

Good luck.                                                        see you later.



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

I may not be the best, but I am definitely not like the rest....

My family is temperamental , half temper half mental.

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

Old people at weddings always poke me and say “You are next”.  So I started doing the same things to them at funerals.

I am not LAZY.  I am just on my energy saving mode.

I want to make my name on Face Book ‘nobody’ so when I see someone post something stupid I can like it, and it will say “Nobody like this”.

I need a 6 months vacation twice a year!  Anyone else with me on this?

No one will manufacture a lock without a key.  Similarly God won’t give problems  without solutions.

Don’t promise when you are happy, don’t reply when you are angry and don’t decide when you are sad.

If Facebook was a school, I would get certificate for all attendance.

Of-course I talk to myself, because sometimes I need expert advice.

The most  precious jewels you’ll ever have around your neck are the arms of your children.

The brain is the most outstanding organ.  It works 24 hours , 365 days,  right from your birth until you fall in “LOVE”.

Arithmetic of Love:  1+1 = Every thing and  2-1 = Nothing.

No one notices your Tears, No one notices your Sadness,  No one notices your Pains,  But they all notices your mistakes.

Good Luck.                                                                     See You Later.

7 Dec 2015


Hi Friends, Please read the following frequently asked answers.

1.       EBITDA                    : Earning Before Interest Taxes, Depreciation and Amortization.  It means: Gross Profit
                                   Minus Operating Expenses.

2.       EBIT                        : Earning Before Interest and Tax.

3.       EAT                         : Earnings After Tax

4.       CAGR                      : Compound Annual Growth Rate

5.       Balance Sheet       : A financial statement showing a Company’s assets, liabilities, and shareholders’                 
                                  Equity at a given rate.

6.       Bear Market         : A Stock Market where the majority of investors are selling (bears), which causes a
                                 Prolonged decline in equity price, the opposite of bull market.

7.       Book Value           : The value recorded on the balance sheet at which the assets would be valued at if the
                                 Company were liquidated.

8.       Bullion                   : Metal such as gold , that is formed into bars

9.       Call Option            : The right to buy a specific number of shares at a specific price by a fixed date.  The
                                  Buyer pays a premium for the right.

10.   Call                         : An option contract that gives the holder of the right to buy a specified number of
                                  Shares by a fixed rate. 

11.   Capital Gain:        : When a security is sold for more than the purchase price, For non registered
                                  Securities, 50% of gain is added to income and taxed the inverstors’ Marginal Tax rate

12.   Capital Stock        :All the Shares of a Company.

13.   Cash Flow             : The inflows and outflows of cash in a company.

14.   Consolidated Financial Statement: Financial Statement that present the position of a present company,
                                 And its subsidiaries as a whole.

15.   Current Assets    : Cash and other assets that will be converted to cash in the normal course of business
                                 within one year.

16.    Debt Financing   : Method of raising capital whereby companies borrow money from a lending

17.   Derivative            : A type of financial instrument whose value dependent on some underlying financial
                                 asset , commodity or other investment.

18.   ETF                        : An investment vehicle that trades on a stock exchange and holds stock or bonds.  It
                                 Trades at roughly the same price as the net asset value of its underlying assets.

19.   FISCAL YEAR        : A Company’s Accounting Year

20.   Fundamental Analysis: Security Analysis that is  based on fundamental facts about a company and an
                                 Analysis of economic conditions that affect the Company’s business.

21.   IPO                         : Initial Public Offering.  The first sale of shares to the Public, usually by subscription
                                 from a group of investment dealers.

22.   Long Position      : Securities owned outright or carried on margin.

23.   Net Worth           : The difference between total assets and liabilities.

24.    Port Folio            : A list of financial assets.

25.    Private Placement: A direct offering  of securities to a limited number of buyers usually institutions.

26.    Short Selling       : The borrowing of stock from a broker in order to sell it in the hope that it may be
                                 purchased at a lower price later on.

27.   Technical Analysis: A method of forecasting prices that examines historical market data to predict
                                  future movement in the market.

28.   Dividend Yield     : The current annual dividend rate expressed as a percentage of the current market
                                 Price of the week.

29.   ROCE                     : Return on capital employed.

30.   PEG                        : Price Earning to Growth.

Thanking you,                                                                 See You Later.