Lord Jesus Christ Says...

For what shall it profit a man, if he gain the whole world, and suffer the loss of his soul? Jesus Christ

2 Jan 2016


Hi Friends,    Stock Markets are important factor of the economy.  It is actually a mirror image of how an economy is performing over the years.  If the Stock Exchange is performing considerably well, economy is on a great path otherwise it is clearly growing at a slow pace growth rate.

People who invest massively in Shares:

Anybody with a large investment in equity market will be affected by the stock market. It affects the investor confidence in country.  For eg. , Overseas investors have pumped in investments of US $ 2011 billion in Indian Equity markets via FII’s in the first half of the last year, mainly on hopes of a stable and reform-oriented government at the Centre, if due to instability and fringe elements, the Indian government fails to protect the Investor sentiment, Investor may withdraw their massive investment, causing stock market to fall which in turn creates panic environment for both the government and the investors.  This is the main reason you don’t see much investment in war torn and countries engaging in civil war such as Afghanistan, Somalia, Syria, Iran etc.  Firms who are expanding and wish to borrow often do so my issuing more shares because it apparently provides a low cost way of borrowing more money.  But, with falling share prices it becomes much more difficult.

People who don’t invest heavily in Shares:

Many believe that if you don’t invest in the stock market, a stock market crash doesn’t affect you.  However, any ordinary citizen loses money and opportunities all based off the stock market.When the stock market begins to fluctuate, companies tend to cut the Employee Benefits by pulling back on their employees’ retirement, healthy care plans.  It impacts student’s University education as when money gets tight, people stop saving and this includes their children’s education savings.  Properties or real estate tends to get more expensive as interest rates rises.  This creates a bone of contention as income of the people doesn’t show any momentum and as a result the property bubble may burst causing property prices to fall intensively which may affect people who have massive investment in real estates.  Unemployment, most companies keep their money mixed in equities, and hence a rapid drop may dissolve their assets and so to make up for this, Companies would lay off employees to try to stay afloat.  So Stock Exchange smooth functioning is very important for the economic growth of the country.  So monitoring the movement of the market is the main function of our Finance Ministry.

Thanking you,                                                               See You Later.


No one can go back and make a brand new start.  Anyone can start from now and make a brand new ending.  There isn’t promise of days without pain, laughter without sorrow, sun without rain, but can promise strength for the day, comfort for the tears, and light for the way.  Never abandon an old friend.  You will never find one who can take his place.  Friendship is like wine, it gets better as it grows older.           (CHRISTY BOY JOHNSON)

Please read the inspirational quotes from  Mother Theresa:

Be faithful in small things because it is in them that your strength lies.

The person who gives with a smile is the best  giver because God loves a cheerful giver.

Humility is the mother of all virtues, purity c, charity and obedience.  It is in being humble that our love becomes real, devoted and ardent.  If you are humble nothing will touch you, neither praise nor disgrace, because you know what you are.  If you are blamed you will not be discouraged.  If they call you a saint you will not put yourself on a pedestal.

The greatest destroyer of peace is abortion because if a mother can kill her own child, what is left for me to kill you and you to  kill me?  There is nothing between.

Keep the corners of your mouth turned up.  Speak in a low, persuasive tone.  Listen, be teachable.  Laugh at good stories and learn to tell them....  For as long as you are green, you can grow.

Prayer is the mother that holds our house together.

If you judge people, you have no time to love them.

Loneliness is the leprosy of the modern world.

I know God won’t give me anything I can’t handle.  I just wish he didn’t trust me so much.

There must be a reason why some people can afford to live well.  They must have worked for it.  I only feel angry when I see waste.  When I see people throwing away things that we could use.

Do not think that love, in order to be genuine, has to be extraordinary.  What we need is to love without getting tired.

We learn humility  through accepting humiliations cheerfully.

He who is faultless does not care for the opinion of others.

The trees, the flowers, the plants grow in silence.  The stars, the sun, the moon move in silence.  Silence gives us a new perspective.

Christ came to be Father’s compassion to the world.  Be kind in your actions.  Do not think that you are the only one who can do efficient work, work worth showing.  This makes you harsh in your judgment of others who  may not have the same talents.  Do your best and trust that others do their best.  And be faithful in small things because it is in them that your strength lies.

Seeking the face of God in everything, everyone, all the time, and his hand in every happening.  This is what it means to be contemplative in the heart of the world.  Seeing and adoring the presence of Jesus, especially in the lowly appearance of bread, and in the distressing disguise of the poor.  One of the greatest diseases is to be nobody to anybody.


The class teacher asks students to name an animal that begins with an ‘E’.  One boy says “Elephant”.
Then teacher asks for an animal that begins with a “T”.  The same boy says “Two Elephant”.  The teacher sends the boy out of the class for bad behaviour.  After that she asks for an animal beginning with “M”.
The boy shouts from the other side of the wall:  “May be elephant”.
                                                                                CHRISTY BOY JOHNSON.

1 Jan 2016


Hi Friends,  Are listed companies allowed to have zero promoter holding?  Yes.  Among the S&P – CNX 500 companies, 12 currently fall in this category.  This includes big Nifty names – HDFC , ITC,  L&T, ICICI Bank and IDFC.  It is permissible for companies to have zero promoter holding.  The SEBI regulations require a minimum 25 per cent of public shareholding but there is no legal requirement of minimum promoter group holding.  There are instances of companies with no promoter holding and the companies can be professionally managed.  This is very common in the US.  SEBI  rules require that promoters should hold  at least 20 per cent of the post-public issue capital and this should be locked in for at least three years.  After this, promoters can pare their stake.  Both the companies Act 2013 and the SEBI regulations have control of the company as a key parameter to decide whether one is a promoter –either as an original founder or by acquiring stake in the company.  With the Infosys founders no longer actively involved in day-to-day management and control of the company, there is good chance that their request to be classified as non-promoters will be eventually accepted by SEBI.

At present, SEBI has been considering such requests for re-classification of promoters’ shareholding into public shareholding, on a case – to – case  basis.  Approvals have been granted based on the merit of each case.  For example, approval was given to the Poddar family, the original promoters of Gillette India, to reclassify themselves as public shareholders after they agreed to give up all special rights in the company, including  management control.  There is currently  no regulation that lays down steps on how a promoter could be declassified. We may expect  SEBI is likely to come up with a policy or regulation on how such declassification could be done.

 But why would promoters want to be reclassified as public shareholders?  Because it gives them flexibility by doing away with  several rules on various matters including purchase and sale of shares in the company.  The SEBI Insider Trading Regulations and Substantial Acquisition of Shares and Takeover   Regulations govern purchase and sale of shares by promoters.  The legal implication of existing  promoters wanting to be classified as non-promoters is that the above regulations for sale or purchase of shares would not then apply to them.  They would be treated at par with the other public shareholders with fewer compliance and disclosure requirements.  Some more examples of  No promoter Companies – CARE,  Balmer Lawrie,  Federal Bank,  Dhanalakshmi Bank, Karnataka Bank, South Indian Bank, City Union Bank etc.

Good Luck.                                                                    See You Later.


The merciful lend to their neighbours; by holding out a helping hand they keep the commandments.  Lend to your neighbour in his time of need;  repay your neighbour when a loan falls due.  Keep your promise and be honest with him, and on every occasion you will find what you need.  Many regard a loan as a windfall, and cause trouble to those who help them.  One kisses another’s hands until he gets a loan, and is deferential in speaking of his neighbour’s money; but at the time for repayment he delays, and pays back with empty promises, and finds fault with the time.  (Bible)

It is important not to suppress your feelings altogether when you are depressed.  It is equally important to avoid terrible arguments or expressions of outrage.  You should steer clear of emotionally damaging behaviour.  People forgive, but it is best not to stir things up to the point at which  forgiveness is required.  When you are  depressed, you need the love of other people, and yet depression fosters actions that destroy that love.  Depressed people often stick pins into their own life rafts.  The conscious mind can intervene.  One is not helpless.  --  Andrew Solomon.

But feelings can’t be ignored, no matter how unjust or ungrateful they seem.  --  Anne Frank.
When I open them, most of the books have the smell of an earlier time leaking out between the pages -  a special odor of the knowledge and emotions that for ages have been calmly resting between the covers.  Breathing it in, I glance through a few pages before returning each book to its shelf.  --  Haruki Murakami

I don’t like hope very  much.  In fact, I hate it.  It’s the crystal meth of emotions.  It hooks you fast and kills you hard.  It’s bad news.  The worst, it’s sharp sticks and cherry bombs.  When hop shows up, it’s only a matter of time until someone gets hurt.  --  Jennifer Donnelly.

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

I think there is something beautiful in revealing  in sadness.  The proof is how beautiful sad songs can be.  So I donn’t think being sad is to be avoided.  It’s apathy and boredom you want to avoid.  But feeling anything is good, I think.  May be that’s sadistic of me.  --  Joseph Gordon

The moment we cry in a film is not when things are sad but when they turn out to be more beautiful than we expected them to be.  --  Alain de Botton

I am an extremely sincere individual.  I am  sincere, to a fault.  One of the many things that I have come to realize , to learn, is that sincerity must be reserved and given only to those who deserve it.   And  one must save one’s emotions, channelling them only to the people  who are worthy of it.  One must not throw one’s pearls to the pigs.  --  C. JoyBell C.

In order to move on, you must understand why you felt what you did and why you no longer need to feel it.  --  Mitch Albom

I’m just a little pencil in the hand of a writing God sending a love letter to the world.  --  Mother Teresa.

There is always the danger that we may just do the work for the sake of the work.  This is where the respect and the love and the devotion come in – that we do it to God, to Christ, and that’s why we try to do it as beautifully as possible.    --  Mother Teresa

I see Jesus in every human being.  I say to myself, this is hungry Jesus, I must feed him.  This is sick Jesus.  This one has leprosy or gangrene;  I must wash him and tend to him.  I serve because I love Jesus.

Never worry about numbers.  Help one person at a time and always start with the person nearest you.  – Mother Teresa

It is easy to love the people far away.  It is not always easy to love those close to us.  It is easier to give a cup of rice to relieve hunger than to relieve the loneliness and pain of someone unloved in our own home.  Bring love into your home for this is where our love for each other must start.  --  Mother Teresa

There is terrible hunger for love.  We all experience that in our lives – the pain, the loneliness.  We must have the courage to recognize it.  The poor you may have right in your own family.  Find them.  Love them.  --  Mother Teresa

A  FUNNY  SHORT  STORY  ( Title -   Mouthology) :

A professor was travelling by boat.  On his way he asked the sailor:  “Do you know Biology, Ecology, Zoology, Geography, Physiology?   The sailor said no to all his questions.  Professor:  What the hell do you know on earth.  You will die of illiteracy.  After a while the boat started sinking.  The sailor asked the Professor;  do you know swiminology and escapology from  Sharkology?  The professor said , No.  Sailor:  “Well,  Sharkology & Crocodilogy will eat your assology, headology  & you will dieology because of your mouthology.
                                                                                 CHRISTY BOY JOHNSON

31 Dec 2015


Hi Friends,    Timing Your Buys:

There are no hard and fast rules which can help you make the right decisions on when to buy and when to sell.  Good investment timing is an art which involves an understanding of individual and mass psychology and an ability to outguess the day to day twists and turns of market behaviour.  It cannot be picked up overnight.  It can only be acquired over a period of time through experience and actual involvement in regular stock market operations.  This is why, unless you have an intuitive flair for predicting short-term price fluctuations, you would be better off if you based your investment strategy on selection rather than on timing.  Automatic trading systems and mechanical investment formulas are designed to do precisely this-they shift the emphasis from timing to selection.  Buy-and-hold strategies and other long-term investment strategies also rely heavily on selection rather than timing.  Almost all of them advocate a blend combining judgement-based selection decisions with an unthinking application of mechanical rules and techniques for handling timing decisions.

Though investment timing is as important as investment selection, the negative impact of bad timing decisions sometimes can be more than made up through superior investment selections.  But this does not mean that you should ignore investment timing altogether.  No serious investor can afford to do this because to get really superior results you will have to learn to combine good selection with good timing.

Good Luck.                                                                 See You Later.


Discussion is the beginning of every work, and counsel precedes every undertaking.  The mind is the root of all conduct;  it sprouts four branches, good and evil, life and death;  and it is the tongue that continually rules them.  Some people may be clever enough to teach many, and yet be useless to themselves.  A skilful speaker may be hated;  he will be destitute of all food,  for the Lord has withheld the gift of charm, since he is lacking in all wisdom.    (Bible).

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

Everything has beauty, but not everyone can see.  --  Confucius

How wonderful it is that nobody need wait a single moment before starting to improve the world. – Anne Frank

When I was 5 years old, my mother always told me that happiness was the key to life.  When I went to school, they asked me what I wanted to be when I grew up.  I wrote down “happy”.  They told me I didn’t understand the assignment, and I told them they didn’t understand life.  --  John Lennon.

The only person you are destined to become is the person you decide to be .  --  Ralph Waldo Emerson

We can’t help everyone, but everyone can help someone.  --  Ronald Reagan

Everything you’ve ever wanted is on the other side of fear.  --  George Addair

We can easily forgive a child who is afraid of the dark;  the real tragedy of life is when men are afraid of the light.  -  Plato

Nothing  will work unless you do.  --  Maya Angelou

I alone cannot change the world, but I can cast a stone across the water  to create many ripples.  --  Mother Teresa

What we achieve  inwardly will change outer reality.  --  Plutarch.

Mr.  John after his return from Rome,  John couldn’t find his luggage in the airport baggage area.  He went to the lost baggage office and told the woman there that his bags hadn’t shown up on the carousel.  She smiled and told him not to worry because they were trained professionals and he was in good hands.  Then she asked John,  “Has your plane arrived yet”?

                                                                           CHRISTY BOY JOHNSON

30 Dec 2015


Hi Friends,   News regarding issue of bonus shares by a company is normally received with great excitement and  cheer by the investing  public.  It creates a feeling of optimism and confidence in the company’s future outlook.  This is normally followed by a sharp rise in the price of the company’s shares.  By and large, most investors are fascinated by the prospects of receiving free shares from the company.  This is the main reason why the possibility of receiving a bonus issue is an important consideration for most investors when they make their investment selections.  Yet it has been observed that very few investors really understand the true significance and implications of bonus issues.

Bonus issues are a type of rights issue.  They are shares which are issued free of cost by a company to its existing shareholders in proportion to the number of shares each shareholder owns.  Shareholders are entitled to these shares as a matter of right.  Bonus shares are issued free of cost,  whereas  rights shares are issued on payment either at par or at a preferential  premium.  Bonus issues cannot be allotted to company employees, debenture holders, depositors, or business associates of the company and its directors.  There is no question of oversubscription or under subscription of bonus issues because shareholders do not have any option; bonus issues are simply allotted to the existing shareholders in direct proportion to the shares each owns.

Bonus shares are issued by capitalizing the reserves of the company.  It is basically an accounting exercise which results in an expansion of the company’s share capital at the expense of the company’s reserves.  A plus entry under the accounting head ‘share capital’ is matched by a corresponding minus entry under the accounting head of ‘reserves’.  It simply transfers a certain sum of money equal to the nominal value of the bonus shares from one accounting head to another.  To illustrate how this happens, let us take the example of a hypothetical company called XYZ Ltd. which has an equity share capital of Rs.10,00,000 consisting of 1,00,000 shares of a par value of Rs.10 each, and reserves of Rs.40,00,000.  Suppose , XYZ Ltd. now issues bonus shares in the ratio of one-for –one  (1:1).  This means that the size of the bonus issue would be Rs.10,00,000 consisting of 1,00,000  shares of a par value of Rs.10 each.  Then what the company does is to shift Rs.10,00,000 from the head of account ‘reserves’ to the head of account ‘share capital’ .  

This shifting of money from ‘reserves’ to ‘share capital’ is called ‘capitalization’.  After the bonus issue, the company’s books of account and balance sheet will show a share capital of Rs.20,00,000 and reserves of Rs.30,00,000.  The issue of bonus shares expands the equity share capital of the company but does not alter the size of the shareholders’ funds.  Since reserves are also a part of shareholders’ funds, the total shareholders’ funds remain unchanged at Rs.50,00,000, both before and after  the issue of bonus shares.   The company does not receive any fresh capital from the public when an issue of bonus shares is made.  The issue of bonus shares does not in any way affect the company’s assets, profits, or its future earning power and potential.  It is simply an accounting exercise consisting of two book entries and issue of free ‘paper’ (share certificates)  to existing shareholders.

Good Luck.                                                                     See You Later.


When everything seems to be going against you , remember that the airplane takes off against the wind, not with it.  -  Henry Ford.

The most common way people give up their power is by thinking they don’t  have any.  --  Alice Walker.

The most difficult thing is the decision to act, the rest is merely tenacity.  -  Amelia Earhart

It is during our darkest moments that we must focus to see the light.  --  Aristotle Onassis

Don’t judge each day by the harvest you reap but by the seeds that you plant.  --  Robert Louis Stevenson
The only way to do great work is to love what you do.  -  Steve Jobs

Change your thoughts and you change your world.  – Norman Vincent Peale

The question isn’t who is going to let me; it’s who is going to stop me.  --  Ayn Rand

If you hear a voice within you say “you cannot paint,” then by all means paint and that voice will be silenced.  – Vincent Van Gogh

Build your own dreams, or someone else will hire you to build theirs.  --  Farrah Gray

Remember  that not getting what you want is sometimes a wonderful stroke of luck.  --  Dalai Lama

You can’t use up creativity.  The more you use, the more you have.  --  Maya Angelou

I have learned over the years that when one’s mind is made up, this diminishes fear.  --  Rosa Parks

I would rather die of passion than of boredom.  --  Vincent van Gogh

A truly rich man is one whose children run into his arms when his hands are empty.

A person who never made a mistake never tried anything new.  --  Albert Einstein

A  FUNNY SHORT STORY (Title-Wrong Email Address).
 A couple going on vacation, but his wife was on a business trip, so he went to the destination first and his wife would meet him the next day.  When he reached his hotel, he decided to send his wife a quick email.  Unfortunately when typing her address he mistyped a letter and his note was directed instead to an elderly preacher’s wife whose husband had passed away only the day before.  When the grieving widow checked her email, she took one look at the monitor, let out a piercing screen, and fell to the floor in a dead faint.  At the sound, her family rushed into the room and saw this note on the screen:   Dearest:  Just got , checked in.   Everything prepared for your arrival tomorrow.   P.S.  Sure is hot down here.

                                                                                             GUEST BLOG.

29 Dec 2015


Hi Friends,   Key benefits of investing in equities.
Capital gains over the long term:   Historically, equities have provided some of the strongest after-tax investment returns over the long-term.  By  owning equity in companies with growth potential, investors have the opportunity to benefit from capital gains as the asset grows in value over time.  Investors enjoy unlimited participation in the earnings of the firm.  Of course, investors cannot expect the company to pay out all its profits in a form of a dividend as this may come at the risk of future profitability and a lower share price.

A good source of income:   The dividend yield on equities is another important source of return.  Unlike term deposits, dividends from equities can have inflation built into earnings where companies are able to pass cost increases onto customers.

Highly liquid:  Equities are traded on major stock markets around the world.  They are highly liquid which means that they can be converted into cash quickly and with minimal  impact to the price received.  Unlike direct investments, there is relative ease in the transfer of ownership and the movement of equities.

Tax advantages:  The after-tax performance of equities is lifted by dividend imputation, a tax benefit not shared by other asset classes.  The dividend imputation system allows investors who have been paid a dividend to take a personal tax credit  (franking credit)  since the company has already paid tax on the dividend.

Corporate control:   Equities come with certain rights including the voting rights to which the investors are entitled.  The level of corporate control depends on whether the equity is classed as ‘ordinary’ or  ‘preferred’  and on the size of your shareholding.  Ordinary shares represent the majority of shares held by investors.  When you own an ordinary share of a company, you usually have one vote per share that entitles you to participate in the election of the board of directors.  Despite their name, preference shares have fewer rights than ordinary shares, except in one important  area – dividends.  Companies that issue preference shares usually aim to pay consistent dividends and preference shareholders have first call on dividends.  In the event that a company is liquidated, preference shareholders have prior claim to assets over ordinary shareholders.  This feature allows the company to raise capital from venture capitalists before it goes public because most venture capital deals are structured as preference shares.

Limited Liability:   One of the unique features of owning equities is the notion of limited liability.   This means that when you own equity in a company and in the event that company loses a lawsuit and must pay a large settlement, creditors can’t come after your personal assets.  Your liability is limited to the amount invested in the company.

Finally, while equity markets have historically produced higher returns than cash or fixed income over the longer term, the risk of capital loss exists especially over the shorter term.  You should be aware of the risks of investing and speak to a qualified financial adviser to determine if an investment in equities is suitable for you.  As markets are not always efficient, using an active manager may also  help to manage risks and improve performance.   A good manager can identify undervalued securities to invest in by carrying out their own research on  sectors and companies, including face-to-face meetings with management to determine the intrinsic value of a company’s share price.

Good Luck.                                                                      See You Later.


Do not give yourself over to sorrow, and do not distress yourself deliberately.  A joyful heart is life itself, and rejoicing lengthens one’s life span.  Indulge yourself and take comfort, and remove sorrow far from you, for sorrow has destroyed many, and no advantage ever comes from it.  Jealousy and anger shorten life, and anxiety brings on premature old age.  Those who are cheerful and merry at table will benefit from their food.                 (Bible).

Nothing is impossible; the word itself says “I’m possible”!   -  Audrey Hepburn.

I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.    – Maya Angelou.

Whether you think you can or you think you can’t, you’re right. -- Henry Ford.

Perfection is not attainable, but if we chase perfection we can catch excellence.  – Vince Lombardi.

Life is 10% what happens to me and 90% of how I react to it.--  Charles Swindle.

If you look at what you have in life, you’ll always have more.  If you look at what you don’t have in life, you’ll never have enough.--  Oprah Winfrey.

Remember no one can make you feel inferior without your consent.  -- Eleanor Roosevelt.

I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.  -- Jimmy Dean.

Believe you can and you’re halfway there.  --   Theodore Roosevelt.

To handle yourself, use your head;  to handle others, use your heart.  -- Eleanor Roosevelt.

Too many of us are not living our dreams because we are living our fears.  -- Les Brown.

Do or do not.  There is no try.  -- Yoda.

Whatever the mind of man can conceive and believe, it can achieve.  -- Napoleon Hill.

Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do, so throw off the bowlines, sail away from safe harbour, catch the trade winds in your sails.  Explore, Dream, Discover.  -- Mark Twain.

I’ve missed more than 9000 shots in my career.  I’ve lost almost 300 games.  26 times I’ve been trusted to take the game winning shot and missed.  I’ve failed over and over and over again in my life.  And that is why I succeed.  --   Michael Jordan.

Strive not to be a success, but rather to be of value .  -- Albert Einstein.

I am not a product of my circumstances.  I am a product of my decisions.  -- Stephen Covey.


A curious child asked his mother, “Mummy, why are some of your hairs turning grey? “   The mother tried to use this occasion to teach her child, it is because of you, dear.   “Every bad action of yours will turn one of my hairs grey.”  The child replied innocently, “Now I know why grandmother has only grey hairs on her head. “

                                                                                                      GUST POST.