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.

16 Jan 2016


Hi Friends,   Online Trading:   Online trading means the purchase and sale of stocks on the Internet.  All stock exchanges offer an e-trading facility.  Earlier, trading took place in the trading hall.  Orders were placed with the stockbroker either verbally (personally or telephonically) or in a written form (fax).  In online trading, the investor accesses a stockbroker’s website through his/her Internet-enabled personal computer and places orders through the broker’s Internet-based order routing and trading engine.  These orders are routed to the stock exchange without manual interference and then given effect.  All the players in the securities market, viz., stockbrokers, stock exchanges, clearing corporations, depositories, DPs, clearing banks, etc., are electronically linked.  The information flow happens in real time among them.  The orders are routed to the exchange in seconds.   Many securities trading agencies provide online trading facilities to their clients’ homes.  Earlier, computer terminals at the brokers’ premises acted as the trading platform but now it has been shifted to the homes of investors.  This provides more transparency in transactions.  The investor knows exactly when and at what rate his order was processed.  Manipulation is difficult.

Procedure for online trading:   Listed below are the main steps involved in online trading:  A. An Investor has to register with the online trading portals listed on the site.  B.  He has to open a bank account using the Internet, at the trading portals of banking and depository service partners.  C. He must be a registered connect user.   D. On placing an order to buy or sell securities through the listed online trading portal, he has to click on the ‘pay through’ bank listed on the online portal, which will direct him to a login screen of the investor’s account.  E.  Once the login ID and password are entered, he has to verify the transaction details and confirm the transaction by entering his transaction ID and password.   F.  An email confirmation will follow giving the status of the transaction, once the order has been executed.  G. His account status is updated on a real-time basis.  The securities’ status can be viewed online after the day of settlement.

Thanking you,                                                                         See You Later.

Q. Financial Action Task Force (FATF) is an Inter-governmental Body established in 1989. It is concerned with -
1. Money laundering
2. Stock markets
3. Foreign Direct Investment
4. Foreign Institutional Investors
View answer
Ans: 1
Q. The market for government securities is also referred to as -
1. Bullion market
2. Gilt-edge market
3. Secondary market
4. Money market
View answer
Ans: 3
Q. Which two institutions are popularly referred to as the 'Bretton Woods Twins?
1. Monetary Fund and World Bank
2. World Bank and Asian Development Bank
3. Asian Development Bank and International Monetary Fund
4. United Nations and World Trade Organisation
View answer
Ans: 1
Q. The Finance Minister's Budget speech presented to the Indian Parliament every year usually has two parts. What does the Part A relate to -
1. Taxation Proposals
2. General Economic Survey
3. Both (a) and (b)
4. None of these
View answer
Ans: 2


A wise child makes a glad father, but a foolish child is a mother’s grief.  Treasures gained by wickedness do not profit, but righteousness delivers from death.  The LORD does not let the righteous go hungry, but he thwarts the craving of the wicked.  A slack hand causes poverty, but the hand of the diligent makes rich.  A child who gathers in summer is prudent, but a child who sleeps in harvest brings shame.  Blessings are on the head of the righteous, but the mouth of the wicked conceals violence.  The memory of the righteous is a blessing, but the name of the wicked will rot.     (Bible)  


 Good players inspire themselves;   Great Players inspire others.

Don’t worry about those who talk behind as they have something expect from you.

If your actions inspire other to dream more, learn move, do move, and become more, you are a leader.  (John Adams)

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

Pessimist sees the Difficulty in every opportunity and an optimist sees the opportunity in every difficulty.

Yesterday is gone.  Tomorrow has not yet come.  We have only today.  Let us begin. (Mother Teresa)

Your life is your message to the world.  Make sure it’s inspiring.

A man must be big enough to admit his mistakes, SMART enough to profit from them, and strong enough to correct them.

Do your best and let God do the rest.

The less you respond to negative people, the more peaceful your life will become.

 Good people are like candles, they burn themselves up to give others light.

I love my mother as the trees love water and sunshine.  She helps me grow, prosper, and reach great heights.

I am not the best, but I’m trying my best.

Winners never quit and quitters never win.  (Vince Lombardi)

The tallest oak in the forest was once just a little nut that held its ground.

                S H O R T      S T O R Y  --  TITLE  --    P  H  I  L  O  S  O  P  H  Y

A fresh man in college started his first day of philosophy class.  His professor was clearly an atheist, and started the class by saying the following:  “Students, is there anyone here  who can see God?  If so , raise your hand.  If anyone can hear God, raise your hand.  If anyone here can smell God, raise your hand.”   After a short pause, with no response from any of the students, he concluded,  “ Since no one can see, hear, or smell God—there is no God.  A student then raised his hand and asked to address the class.  The student then asked, “ Students, can anyone here see the professor’s brain?  Can anyone here hear the professor’s brain?  Can anyone here smell the professor’s brain? “   After a short pause, he concluded,  “Since no one can see, hear, or smell the professor’s brain --  it appears he has no brain!”.              

                                                                                  (GUEST BLOG)

15 Jan 2016


Hi Friends,   Stocks   vs   Bonds:   This is a common question among investors.  Stocks and bonds differ dramatically in their structures, payouts, returns and risks.   In order to answer this question, we need to go through a brief description of both stocks and bonds.  A bond is a form of debt with which you are the lender instead of the borrower.  Bonds are contractual loans made between       investors and institutions that, in return for financing, will pay a premium for borrowing, known as a coupon.  Additionally, the bond’s face value is returned to the investor at maturity.  The guarantee of payback and all coupon payments relies solely on the ability of the borrower to generate enough cash flow to repay bondholders.  Stocks are a form of ownership; they represent participation in a company’s growth.  Generally, investors are given no promises about returns of the initial investment.  In fact, the profitability of the investment depends almost entirely upon rising stock price, which, at the most fundamental level, relates directly to the performance and growth (increasing profits) of the company.

So this leads to the original question, which security is better?  The answer is neither.  Stocks and bonds both have their pros and cons depending on what you are looking for.  For example, risk-adverse investors looking for safety of capital and who prefer a known periodic payment structure (i.e. coupon payments) for a limited time frame would be better off investing in bonds.  On the other hand, investors who are willing to take on greater risks than bondholders and who would prefer the benefit of having partial ownership in a company and the unlimited potential of a rising stock price would be better off investing in stocks.  However, the disadvantage of stocks versus bonds is that stocks are not guaranteed to return anything to the investor while the coupon payments and principal of bonds are.  Thus, the possibility for high returns is greater with stocks but so is the possibility of losing money.  For most investors, a combination of stocks and bonds is the best situation.  By diversifying your investments and putting some money into both stocks and bonds you ensure some safety which leaving some opportunity for above average returns in your stock investments.

GOOD LUCK.                                                                   SEE YOU LATER.  

Q. The concept of 'Micro Credit' essentially concentrates on
1. consumption smoothening as and when needed
2. providing safe place to hold savings
3. accepting deposits
4. provision of credit to the poor
View answer
Ans: 4
Q. The abbreviation EMI in banking sector stands for
1. Equated Monthly Instalment
2. Equal Monthly Increment
3. Equated Money Instalment
4. Equalised Monthly Instalment
View answer
Ans: 1
Q. The Electronic Funds Transfer at Point of Sale (ESTPOS) is an electronic payment system based on
1. Interner Banking
2. Account Payee Cheques
3. Letters of Credit
4. Debit and Credit Cards
View answer
Ans: 4


No one tears a piece off a new coat to patch up an old coat.  If he does, he will have torn the new coat, and the piece of new cloth will not match the old.  Nor does anyone pour new wine into used wineskins, because the new wine will burst the skins, the wine will pour out, and the skins will be ruined.  Instead, new wine must be poured into fresh wineskins.  And no one wants new wine after drinking old wine.  ‘The old is better, he says.               (Bible).

 I alone cannot change the world.  But I can cast a stone across the waters to create many Ripples.  (Mother Teresa)

God doesn’t require us to succeed; he only requires that you try.  (Mother Teresa)

B+ not my Blood group, neither my grade in Maths, It is my favourite quote.

Many things will catch your eye, but only a few will catch your heart, pursue those.

A good friend knows all your best stories.  A best friend has lived them with you.

Being the richest man in the cemetery does not matter to me.  Going to bed at night saying we’ve done something wonderful that’s what matters to me.  (Steve Jobs)

For every minute you are angry you lose sixty seconds of Happiness.

Life is a gift.  Never take it for granted.

Practice like you has never won.  Perform like you have never lost.

Even tried ever failed no matter, try again, fail again, Fail Better.

Life is like a mirror.  It will smile at you if you smile at it.

Today will never come again.  Be a blessing.  Be a friend.  Encourage someone.  Take time to care.  Let your words heal, and not wound.

Some of the best days of your life haven’t happened yet.

Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are.  (John Woollen)

I want to inspire people.  I want someone to look at me and say because of you I didn’t give up.

S H O R T     S T O R Y   --TITLE --     A N   O L D   M A N   C A M E   INTO........

An old man came into the bank and asked for a loan of 500 dollars.  The bank employee started filling out the papers.  -- What are you going to do with this money?  -- He asked.  -- I will go to the city to sell the jewellery that I made.  -- What do you have for the security of the loan?  -- I don’t know, what is a security?  -- the man said.  -- Well.   Security is something that has value and can cover the cost of the loan.  Do you have a car?  -- Yes.  -- a 1959 Year Truck.  -- No, it won’t suit,   said the bank clerk.  -- May be you have livestock?  -- Yes.   I have a horse.  -- How old is it?  -- I don’t know because it doesn’t have teeth anymore to tell.  In the end of papers for the loan were filled and the man was given 500 dollars.  After a couple of weeks the man came to the bank again with a package of money.  He counted the ones belonging to the bank and hid the other ones.  What are you going to do with the other money, -- the same clerk asked.  -- I will keep them in my house, -- the man answered.  -- You can make a deposit in our bank.  -- I don’t know, what is a deposit?  -- The man said.  -- Well, you give the money to the bank, bank takes care of it, and when you need money, you can take it.  The old man thought about it and asked.  --  Does the bank have something to give me in  security for the money.
                                                                                     GUEST  BLOG 

14 Jan 2016


Hi Friends,    Time to buy your Shares.     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 judgment-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.

Q. Banks' mandatory lending to farmers for agriculture, micro and small enterprises, and other weaker sections wherein banks are required to lend up to 40 percent of the loans is generally described as
1. Para banking
2. Sub-Prime lending
3. Retail lending
4. Priority sector lending
View answer
Ans: 4
Q. Who benefits the most during the inflationary period?
1. government servants
2. corporate servants
3. creditors
4. entrepreneurs
View answer
Ans: 3
Q. GNP at market prices is Rs. 200. Net factor income from abroad is Rs. 20. Indirect taxes are Rs. 20 and subsidies are Rs. 10. GDP at factor cost is -
1. Rs. 220
2. Rs. 250
3. Rs. 180
4. Rs. 170
View answer
Ans: 4