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Luke 5:31, 32 And Jesus answering said unto them, They that are whole need not a physician; but they that are sick. I came not to call the righteous, but sinners to repentance.

31 Jan 2016


Hi Friends,   How to behave Share Market in India, 2016:      A lot of macro factors are falling in place to create the right conditions for the markets to rally in the coming year.  Brent crude oil prices have declined 66% over the last two years to $33 as against $99 at the end CY 2013, resulting in significant savings for the government.  Led by lower crude prices, the net import bill has reduced at a CAGR of 16% to $115 bn in CY 2015 as against $192 bn in CY 2012, resulting in a steep decline in the current account deficit.  With these savings, the government has also been able to maintain fiscal discipline, despite an increase in infrastructure spending.  So we see a strong bid pipeline of 12,000 cr from the NHAI and of over 244,000 cr from the defence sector, expected to get tendered over the next 12 month.  Accordingly, we may expect uptick in government spending to result in private sector capex cycle revival.  Believe the revival in the investment cycle will be the key to push the earnings trajectory upwards over the next few years led by the multiplier effect of infrastructure spending.  Inflation too has been on a firm downtrend with the CPI averaging 4.8% between Jan-Nov CY 2015, as against 6.7% in CY 2014, while the WPI has remained negative.  Despite a seasonal uptick in inflation, lower crude prices and sufficient food grains stocks, will help keep overall inflation on the downtrend.  With inflation under check, believe the RBI will have enough headroom to reduce policy rates further.  Also with banks now beginning to transmit these lower rates, we may expect lending rates to decline by 100-125 bps over the coming year, acting as a strong catalyst for earnings growth in CY 2016.  With growth expected to pick up, India is in fact the best placed among emerging economies to continue attracting higher fund inflows over the long term as China continues to grapple with a slowdown in economy and lower commodity prices will hurt Brazil and Russia.  Confidence among domestic investors also continues to remain strong with strong mutual fund inflows of over Rs.70,000 cr in CY 2015.  Within large caps continue to like sectors where earnings growth continues to remain strong such as automobiles and IT.  With falling rates and huge under penetration , believe retail finance companies, especially players focussed on housing finance, are also likely to perform well.  From a bottom-up perspective, continue to like select emerging midcap companies with strong brands, entrepreneurial success and healthy growth outlook.  Expect sensex earnings to increase at a CAGR of 17% over FY 2016-18 to 1,993.  Based on these estimates, one year sensex target works out to 31,500, implying a 24% upside from the current levels..  Consider for long term investment.

Good Luck.                                                                               See You Later.            


Mumbai: Nearly 61 per cent working population in India aged 45 plus want to retire in the next five years, with the majority saying work-related pressure is affecting their mental and physical health.

Also, financial constraints are the biggest reason for those unable to retire, an HSBC survey revealed.

Global bank HSBC's latest edition of 'The Future of Retirement Healthy New Beginnings study' found that 61 per cent of the working population in India aged 45-plus want to retire in the next five years.

However, 14 per cent of them believe they will be unable to do so. Majority of them said they cannot retire as they would struggle financially.


From time to time, the stock market goes a little haywire. Something scares investors and they start to sell.As fear builds, justified or not, even the smallest spark can light the fire. When the fire is lit and the market is crashing, interesting and scary things can happen. And yet, throughout history, the long-term trend remains from the lower left to the upper right.Here are seven particularly interesting facts about past stock-market crashes that should help to remind you that things can get pretty insane. Yet over the long term, we are all still here, still investing, and continuing to build wealth.

1. A stock market crash doesn't foretell economic doom.Between 1965 and 2015, the S&P 500 has declined by more than 10% a total of 27 times. During that same period, the U.S. has only experienced seven recessions. Sometimes, a stock-market crash can mean a recession is on the horizon, but usually, these sharp corrections are just normal market movements, and not indicators of underlying economic problems.


Be on your guard against false prophets; they come to you looking like sheep on the outside, but on the inside, they are really like wild wolves.  You will know them by what they do.  Thorn bushes do not bear grapes, and briars do not bear figs.  A healthy tree bears good fruit, but a poor tree bears bad fruit.  A healthy tree cannot bear bad fruit, and a poor tree cannot bear good fruit.  And any tree that does not bear good fruit is cut down and thrown in the fire.  So then, you will know the false prophets by what they do.  (Bible)

1.       “Love takes off masks that we fear we cannot live without and know we cannot live within.”
— James Baldwin

2.      “Love yourself first and everything else falls into line. You really have to love yourself to get anything done in this world.”
—  Lucille Ball

3.      “Once the realization is accepted that even between the closest human beings infinite distances continue, a wonderful living side by side can grow, if they succeed in loving the distance between them which makes it possible for each to see the other whole against the sky.”
— Rainer Maria Rilke

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

5.      “If I know what love is, it is because of you.”
— Herman Hesse

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

7.      “Love is a friendship set to music.”
—  Joseph Campbell

8.      “We are shaped and fashioned by what we love.”
— Johann Wolfgang von Goethe

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

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

11.    “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

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

13.   “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

14.   “Love is of all passions the strongest, for it attacks simultaneously the head, the heart and the senses.”
— Lao Tzu
15.   “You know it’s love when all you want is that person to be happy, even if you’re not part of their happiness.”
— Julia Roberts

16.   “At the touch of love everyone becomes a poet.”
— Plato

30 Jan 2016


Hi Friends,   In the present share market condition it is better to invest in good cash rich Pharma shares which have good R & D facilities and American FDA approvals.  Because their quality medicines have expected higher sales in foreign countries so as to enable them to earn the profits in foreign currency.  They will not affect by any depreciation of Indian Currency.  Demand of medicine is always increasing year by year even though the modern science & technology developed.  Ancient diseases are vanishing and new type of diseases is increasing in different parts of the world.  So R & D will help to discover new medicine and also open new market there.  One way to increase the sales of Drug Companies is to take over suitable pharmaceutical companies there.  Because these companies are sitting with huge cash balance.  Please see the cash flows of 10 firms grew in the past four years.

Name of the Company         2011        2012           2013               2014           2015 ( crore)

Sun Pharma                        1477.00   1690.10     2691.16         4465.80       4465.80
Dr.Reddy Lab                       799.90        201.30    1221.10         1945.50       2090.30
Lupin                                     635.50       668.90       588.10         1146.80        2536.20
Aurobindo Pharma                742.30       445.10       382.90           763.90         1330.00
Cipla                                      942.30       959.60     2115.40         1291.10        1338.20
Cedilla Health Care               510.50     1370.90       889.20           374.10          642.50
Gel mark Pharma                  495.00       443.00        843,20          755.10          680.90
Jubilant Life                           998.00     - 181.60        520.10          357.90         280.60
Torrent Pharma                     326.90        293.00        173.20           685.80        2022.40
Wockhardt                           7195.90     8215.70      8711.60       12668.20     15666.20    

At the end of the last financial year, the above top ten Indian Pharmaceutical Companies had been cash flow of Rs.15666 crore  i.e. more than double from Rs.7,195 reported 5 years before.  In the same period, the 10 year US Treasury yield dropped 2.18% from 3.87% bringing down the cost of finance for doing acquisition in the US substantially.  Lupin acquired US based Gavis Pharmaceuticals and Nobel Laboratories for $880 M.  Cipla acquired another company in US for 550 M $ recently.  Aurobindo Pharma acquired during 2014 a US Company for $ 132.5 million.

Today Newspaper reported sun Pharma is set to acquire US based eye-care company Insite Vision Inc, becoming the 3rd Indian Drug maker to execute a major transaction in the US in less than two months.  This is all cash transaction at $48M in aggregate equity value, on a fully diluted basis.

From the above it is clearly understood that our Indian Pharma Companies are very confident in their business growth.  So investors can consider these companies for their portfolio except Jubilant Life & Wockhardt. Dollar currency is stronger in the world and the above Pharma companies are exporting major products to US. That will also increase their net profit margin.

Good Luck.                                                                                See You Later.  

Tokyo: The Bank of Japan on Friday adopted a negative interest rate policy to spur lending and help drive inflation towards its two-percent target.

The -0.1 per cent interest rate introduced by the BoJ means that banks parking their money with the central bank are actually charged for doing so.


Pledging to continue structural reforms to accelerate growth, Finance Minister Arun Jaitley today said India has the potential to grow at 8-9 per cent, and only a higher growth rate can end poverty. (PTI)
Pledging to continue structural reforms to accelerate growth, Finance Minister Arun Jaitley today said India has the potential to grow at 8-9 per cent, and only a higher growth rate can end poverty.
With India standing out at a time of a gloomy picture of the global economy, it’s imperative to carry on structural reforms that have been put in place, he stressed.


Andrew Holland, CEO of Ambit Investment Advisors spoke to NDTV Profit on markets and his expectations from the upcoming Budget.
Edited excerpts:
Your view on markets?

At present, we cannot review India on standalone basis because global events have their impact on the country as well...(this) is evident from the big outflows of foreign investments. However, February has a lot of events which can be seen as positive for markets. You have credit policy review next week and the Budget towards the end of the month. If markets are more stable globally, then we can see a decent rise in the short term. As we have all been grasping in terms of where the economy is growing and how quickly, it seems to be getting delayed and the multiplier effect in the form of government spending is taking its sweet time to come through, which is being reflected in the earnings. But the bad news is in the banking sector. Governor Rajan has not quite named and shamed all big business groups (that) have been part of this banking problem. I think the finance minister could have done a lot more for the sector. He has not taken any real action against the PSU banks and that is where a lot of problems lie. Till the time we get clear of the problems in the banking sector, there will be a phase of slow loan growth and that has a negative impact on the economy


New Delhi: Favouring greater competition among banks, RBI Governor Raghuram Rajan on Friday said government should decentralise decision making in public sector banks (PSBs) after professionalising their boards.

"More decisions need to be decentralised from the government to the PSB boards, once they have been fully professionalised," he said while delivering C D Deshmukh Lecture here.

"For instance, should boards not determine strategy as well as the appointment or renewal of their chief executive? What about their executive directors? Can bank boards have more freedom in choosing these?


                                                           Do Not Worry

Psalm 37:1-40
"Fret not yourself because of evildoers; be not envious of wrongdoers! For they will soon fade like the grass and wither like the green herb. Trust in the Lord, and do good; dwell in the land and befriend faithfulness. Delight yourself in the Lord, and he will give you the desires of your heart. Commit your way to the Lord; trust in him, and he will act. ... "

 In looking for people to hire, you look for three qualities:  Integrity, Intelligence and Energy.  And if they don’t have the first, the other two will kill you.

I have missed more than 9000 shots in my career.  I have lost almost 300 games.  Twenty six times, I have been trusted to take the game winning shot and missed.  I have failed over and over and again in my life.  And that is why I succeed.  (Michael Jordan – Athlete 1963).

 Man is not finished when he is defeated.  He is finished when he quits.
A slip of the foot you may soon recover, but a slip of the tongue you may never get over. (Benjamin Franklin).

Change can come in either of two important ways:  Start behaving positively or stop behaving negatively. (Dr. Phil).

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 which has been opened for us.  (Helen Keller).

The secret of health for both mind and body is not to mourn for the past, not to worry about the future or not to anticipate troubles but to live in the present moment wisely and earnestly.

The old believe everything, the middle aged suspect everything, the young know everything. (Oscar Wilde).

If you owe the bank $100 that is your problem.  If you owe the bank $100 million, that is the bank’s problem.  (J. Paul Getty).

The old law about an eye for an eye leaves everybody blind. The time is always right to do the right thing. (Martin Luther King Jr.).

Choose a job love and you will never have to work a day in your life.
Two things define you – Your patience when you have nothing, your attitude when you have everything.  (Unknown).

Do or die is the old concept but do it before die is the new concept.  (Christy Boy Johnson.)

Simple thoughts lead high life.

Failure is a prerequisite for great success.  If you want to succeed faster double your rate of failure.  (Brain Tray).

Kiss slowly, laugh insanely, live truly and forgive quickly.   (Paulo Coelho).
The only wealth which you will keep forever is the wealth you have given away. 

In the morning I cannot eat, I’m thinking of you,  In the evening I can’t eat,  I am thinking of you,  In the night I can’t sleep....I am so hungry!  (Unknown).

 I started thinking about the dangers of drinking on New Year’s Eve.  After that, I decided to stop thinking.  (Christy Boy Johnson).

To achieve greatness, start where you are, use what you have, do what you can. (George Bernard Shah.).

A man with no imagination has no wings. (William Shakespeare).

29 Jan 2016

Indian stock markets snapped a three-week losing streak, while the rupee rallied 45 paise to close at 67.78/dollar, following the Bank of Japan's surprise move to cut its benchmark interest rate below zero on Friday.

"The Market surged to a two-week high from a sluggish terrain due to the Bank of Japan's surprise rate cut by 20 basis points to negative 0.1 per cent which is expected to stimulate optimism for global growth," said Vinod Nair of Geojit BNP Paribas Financial Services.


Hi Friends,   Economic effects of the Stock Market:   

Wealth effect:   The first impact is that people with shares will see a fall in their wealth.  If the fall is significant it will affect their financial outlook.  If they are losing money on shares they will be more hesitant to spend money; this can contribute to a fall in consumer spending.  However, the effect should not be given too much importance.  Often people who buy shares are prepared to lose money; their spending patterns are usually independent of share prices, especially for short term losses.  The wealth effect is more prominent in the housing market.

Effect on Pensions:    Anybody with a private pension or investment trust will be affected by the stock market, at least indirectly.  Pension funds invest a significant part of their funds on the stock market.   Therefore, if there is a serious fall in share prices, it reduces the value of pension funds.  This means that future pension payouts will be lower.  If share prices fall too much, pension funds can struggle to meet their promises.  The important thing is the long term movements in the share prices.  If share prices fall for a long time then it will definitely affect pension funds and future payouts.



Indian stocks rose over 1 per cent on Friday to end a three-week losing streak as a rebound in commodity prices and Bank of Japan's (BoJ) bold move to adopt negative interest rates to stimulate the Japanese economy stoked global risk appetite for equities. 

Asian markets gained between 1 per cent and 3 per cent as BoJ's move surprised investors, most of whom had believed Japanese policymakers were too cautious to ever adopt such a radical measure. 
The rally also got legs from global oil prices that were trading above $34 a barrel and heading towards their second weekly gain. 



Yes Bank brought some cheer to the Dalal Street on a day when banking stocks came under heavy selling as ICICI Bank reported sharp rise in bad loans. 

Yes Bank's net profit in the December quarter jumped 25 per cent to Rs 676 crore against Rs 540 crore during the same quarter last year. Net interest income, the difference between interest earned over interest expended, came in at Rs 1,157 crore against Rs 909 crore year-on-year, Yes Bank said.


9:45 a.m.: Asian shares jumped on Friday and the yen swooned after the Bank of Japan stunned markets by adopting negative interest rates in its boldest step yet to reinflate the long-languishing economy.


7 Ways Jesus Taught us How to Love Humanity

Loving others is one of the hardest things to master. As long as we live here on earth it will be a proven thorn to many. Murder, famine, injustice, and terrorism bombard us constantly, so the distraction is easy to understand, the hate is justified, but how can we deal? We all can admit Jesus had the perfect love, and we will never attain perfection. He taught the Disciples to be an example of love. This can be done through forgiveness, service, compassion, unity, empathy, faith, and sacrifice.

1.       To succeed in your mission you must have single minded devotion to your goal.(Dr.Abdual Kalam.)

2.       God, our Creator, has stored within our minds and personalities, great potential strength and ability.  Prayer helps us tap and develop these powers. (Dr. Abdul Kalam.)

3.       You have to dream before your dreams can come true. (Dr.Abdual Kalam)

4.       We should not give up and we should not allow the problems to defeat us.(Dr. Abdul Kalam).

5.       Impossible – Please read I, omit ‘M’, possible.

6.       Without your involvement you cannot succeed.  With your involvement you cannot fail.

7.       There are two cardinal sins for which all others spring impatience and laziness.  (Frunze Kafka).

8.       Love the heart that hurts you, but never hurt the heart that loves you. (Upin Shram).

9.       We are dangerous, when we are not conscious of our responsibility for how we behave, think, and feel.  (Marshall).

10.   Self pity is our worst enemy and if we yield to it, we can never do anything wise in this world.  (Les Brown).

11.   Never speak out of anger, Never act out of fear, Never choose from impatience, But wait.... and peace will appear.  (Guy Finley).

12.   The best portion of good man’s life is the little, nameless unremembered act of kindness and love.  (William Wordsworth.)

13.   Humility is born of the spirit, humiliation of the ego.  (Alen Choen).

14.   The sign of intelligent people is their ability to control emotions by the application of reason.(Maryu).

15.   Whatever is begun in anger ends the shame.  (Benjamin Franklin).

16.   Fear knocked at the door, Faith answered and nobody was there.  (Unknown).

17.   If you want a test a man’s character give him power. (Abraham Lincon).

18.   There are seven things that will destroy us:    Wealth without work, Pleasure without conscience, Knowledge without character, Religion without sacrifice, Politics without principle, Science without humanity and Business without ethics.

19.   As a leader, you have to not only do the right thing, but be perceived to be doing the right thing.



Two hunters had rented an airplane to get to the distant forest zone. After couple of weeks the pilot returned to take them back. After looking at their hunting trophies he said:
– The plane won’t be able to carry more than one buffalo. You will have to leave one of them.
– But last year the pilot agreed to take on board two buffalos the same size as these,- the hunters protested.
The pilot thought about it and said:
– Ok. If it worked the last year, it shouldWORK  this time too.
The plane tried to take off with two passengers and two buffalos on board, but it was not able to reach the required height. The plane crashed into the nearest hill. After getting out the plane wreck, the hunters looked around. One of them said to another:
– Where do you think we are?
His pal examined the surroundings and answered:
– I think we are two miles south from the place that we crashed the last time.

The plane tried to take off with two passengers and two buffalos on board, but it was not able to reach the required height. The plane crashed into the nearest hill. After getting out the plane wreck, the hunters looked around. One of them said to another: – Where do you think we are? His pal examined the surroundings and answered: – I think we are two miles south from the place that we crashed the last time.  

28 Jan 2016


Hi Friends, SJVN Ltd.:   Infrastructural development, especially Power Sector development and reforms are expected to remain top priority of present Government.  The new Govt. has already given the first signals of positive change in form of unification of Power, Coal & MNRE Ministries which may prove to be a huge boost to Power Sector in the long run.  The Power Sector is still in nascent stage of growth.  The annual per capita power consumption in India is still quite low compared to developed countries.  This growth scenario ensures ample room for both the public and private players to grow, both complementing each other in the endeavour of economic development and nation building.

In the era of global environmental awareness and climate change, clean and green renewable energy sources like solar and wind shall continue to remain favourite world over, in the times to come.  According to projection by the International Energy Agency, solar power generators may produce most of the world’s electricity within 50 years.  With this foresight, renewable energy will remain one of the major thrust areas of the Company in the times to come.


 The government is likely to face a shortfall of Rs 40,000 crore in direct tax collection this fiscal going by the latest tax collection figures as the economic slowdown appears to have had an impact on mobilisation of revenue.

Indian Express

In the first 10 months of 2015-16, the collection has only been Rs 5.20 lakh crore in direct taxes, according to the income tax department. The government had set a direct tax collection target of Rs 7.97 lakh crore this fiscal up 26.5 per cent from Rs 6.30 lakh crore in financial year 2014-15. Lower than projected revenue mobilisation will put further pressure on the government to meet its fiscal deficit target of 3.9 per cent of the GDP for 2015-16.


The rupee slipped for the third consecutive day, dropping 15 paise or 0.2 per cent to fresh 29-month low of 68.20 per dollar. It had closed at 68.05 on Wednesday, marking its second-worst closing low.

Sustained selling by foreign investors has led to nearly 3 per cent depreciation in the rupee this year. In the first four weeks of 2016, foreign institutional investors have sold equities worth nearly Rs 11,000 crore, weighing down the currency.


Washington: The Federal Reserve said economic growth in the US slowed late last year as it kept its benchmark interest rate unchanged on Wednesday after December's historic hike.

In a short policy statement, the US central bank hinted at some concern with global market turbulence and sluggish growth.

However, it said it still expected that inflation, weakened in the short term by the oil price crash, would push toward its goal of 2.0 per cent in the medium term.

The US central bank left the door open for a second rate increase in March, even as markets increasingly discount the likelihood.

"Information received since the Federal Open Market Committee met in December suggests that labor market conditions improved further even as economic growth slowed late last year," the Federal Open Market Committee (FOMC) said at the end of a two-day meeting.

"The committee is closely monitoring global economic and financial developments and is assessing their implications for the labor market and inflation, and for the balance of risks to the outlook."