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Bible Quotes--

“Here’s a simple, rule-of-thumb guide for behavior: Ask yourself what you want people to do for you, then grab the initiative and do it for them. Add up God’s Law and Prophets and this is what you get.” –Jesus, Matthew 7:12

22 Jan 2016

SHARE MARKET- INVEST IN SHARES.


Hi Friends,   Invest in Shares:    When you buy a share, you’re buying a small part of a company and a share in any profit the company makes.  You can buy shares directly or own them through a managed fund like Mutual Fund.   Shares can rise and fall in value so are better as a long-term investment. 


You can make money from shares through capital gains, where you sell a share for more than you paid for it, and from earning income called dividends.  Like house prices, share prices are generally expected to go up over time and give you a capital gain on your money when you sell.  However, shares can also lose value if the price falls below the price you paid for them.  You only make a loss or a gain when you sell the shares.  Overall the long-term trend is for the value of shares to increase at a rate higher than inflation.  When the company makes money, you’re sometimes paid a share of the profit, called a dividend.  You can choose to receive this dividend in cash, or reinvest it to buy more shares in the company.  If the company makes handsome profit they may give free shares called Bonus Shares.


Risk is the potential of losing some or all of your money.  There are two main types of risk with shares – volatility risk and absolute risk.  Sudden rises and falls in the price of a share is called volatility and some companies have a higher risk of this than others.  Changes in a company’s profitability and in the economy as a whole can cause share prices to rise and fall.  Although prices might fall , you haven’t lost any money through volatility unless you actually sell your shares.  Absolute risk is the risk of losing your money because the company fails and your shares become worthless.  Investing  in a range of different companies and industries will spread your risk and smooth out the ups and downs.  It’s generally not a good idea to put all your money into a small number of, or very similar, investments.  It’s better to spread your investments across shares in different companies, industries and countries, as well as buying other asset classes such as bank deposits, bonds, and property.  This is called diversification.

Thanking you,                                                                See You Later.


Q. The currency of Hungary is _________.
1. Elm
2. Lev
3. Forint
4. Zloty
View answer
Ans: 3
Q. Of the following land uses, which is restricted to Special Economic Zones?
1. Information Technology Companies
2. Educational Institutions
3. Free Trade Centres
4. Marketing Centres
View answer
Ans: 3
Q. "Functional Finance" is associated with:
1. Abba 'P' Lerner
2. Adolph Wonger
3. Adam Smith
4. Adams

WORLD ECONOMY- CHINA TO THE WORLD.

                  MSN MONEY NEWS.

Just ask Vale shareholders. Beyond its $5 billion lawsuit over a mining catastrophe with partner BHP Billiton, Brazil’s iron ore exporter relied on Chinese demand for years. It’s all but evaporated as China desists building ghost towns and airports with no passengers. Vale stock is down 93.3% in the last five years; worse than BHP (-77%), worse than Rio Tinto (-66.9%) and worse than the MSCI Brazil (-77.37%).

The same story holds for Chilean copper exporters, Argentinian soy and Taiwan tourism. If China goes to hell, it’s taking a bulk of the world with it.

When it comes to markets, no market in the world drives the story like China this year. There is so much anti-China rhetoric in Washington, and perennial voices of hard landing aficionados that it makes one wonder why everyone seems so pleased with themselves when China does poorly? Apple doesn’t want China to do poorly. GM doesn’t. Caterpillar has had to give investors bad news for years because of China. And people on the verge of retirement, having watched their portfolios grow like weeds in a hot summer sun since March 2009, now have China to thank, in part, for recent losses.

STOCK MARKET- MORNING TREND.

9.20 a.m.: Sensex opened with over 200 points gains tracking positive global markets and the Nifty jumped nearly 80 points to reclaim the 7,350 level. 

Gains in the market were led by banking, auto, metal and energy shares, which advanced over 1 per cent each. In the Nifty index Bank of Baroda was the top gainer in the Nifty rising nearly 3 per cent followed by ICICI Bank and Hindalco Industries. Power Grid, Dr Reddy's Lab, NTPC and SBI were the other prominent gainers in the Nifty, rising between 2-2.6 per cent. 

Meanwhile, Idea Cellular was the top loser in the Nifty, fell nearly 5 per cent on weak December quarter earnings. 

9 a.m.: Rupee opens higher at 67.80 per dollar against Thursday's close of 68.02 

8.10 a.m.: The BSE Sensex and the Nifty are likely to open with strong gains on Friday, taking cues from Asian shares, which rallied as much as 4 per cent today. Japan's Nikkei traded 3.5 per cent higher after the European Central Bank hinted about further monetary easing in the coming months. 

The Nifty futures, trading on Singapore Stock Exchange, were up 0.75 per cent or 55 points, indicating a gap up opening for domestic equities. 

Telecom major Idea Cellular, which missed profit estimates in Q3, and low-cost carrier InterGlobe Aviation, which reported a 24 per cent jump in net, will be in focus. 

Tobacco major ITC, explorer Cairn India, Reliance Communications will report their earnings today. 

Energy shares like ONGC and Reliance Industries are likely to witness some pullback today as crude oil recovered from 2003 lows. 

Meanwhile, continued selling by foreign investors will weigh on domestic equities. On Thursday FIIs sold cash shares worth Rs 1,747 crore. However, domestic investors continued to support markets, they have bought shares worth Rs 1,268 crore in cash market yesterday. 

Overnight, US markets closed with modest gains. The Dow Jones index closed 0.74 per cent higher and the S&P 500 gained 0.52 per cent.
Gains in the market were led by banking, auto, metal and energy shares, which advanced over 1 per cent each. In the Nifty index Bank of Baroda was the top gainer in the Nifty rising nearly 3 per cent followed by ICICI Bank and Hindalco Industries. Power Grid, Dr Reddy's Lab, NTPC and SBI were the other prominent gainers in the Nifty, rising between 2-2.6 per cent. 
Meanwhile, Idea Cellular was the top loser in the Nifty, fell nearly 5 per cent on weak December quarter earnings. 
9 a.m.: Rupee opens higher at 67.80 per dollar against Thursday's close of 68.02 
8.10 a.m.: The BSE Sensex and the Nifty are likely to open with strong gains on Friday, taking cues from Asian shares, which rallied as much as 4 per cent today. Japan's Nikkei traded 3.5 per cent higher after the European Central Bank hinted about further monetary easing in the coming months. 
The Nifty futures, trading on Singapore Stock Exchange, were up 0.75 per cent or 55 points, indicating a gap up opening for domestic equities. 
Telecom major Idea Cellular, which missed profit estimates in Q3, and low-cost carrier InterGlobe Aviation, which reported a 24 per cent jump in net, will be in focus. 
Tobacco major ITC, explorer Cairn India, Reliance Communications will report their earnings today. 
Energy shares like ONGC and Reliance Industries are likely to witness some pullback today as crude oil recovered from 2003 lows. 
Meanwhile, continued selling by foreign investors will weigh on domestic equities. On Thursday FIIs sold cash shares worth Rs 1,747 crore. However, domestic investors continued to support markets, they have bought shares worth Rs 1,268 crore in cash market yesterday. 
Overnight, US markets closed with modest gains. The Dow Jones index closed 0.74 per cent higher and the S&P 500 gained 0.52 per cent. 

QUOTES- POSITIVE INSPIRATIONAL QUOTES.


 To have faith is to be sure of the things we hope for, to be certain of the things we cannot see.  It was by their faith that people of ancient times won God’s approval.  It is by faith that we understand that the universe was created by God’s word, so that what can be seen was made out of what cannot be seen.  It was faith that made Abel offer to God a better sacrifice than Cain’s.  Through his faith he won God’s approval as a righteous man, because God himself approved of his gifts.  By means of his faith Abel still speaks, even though he is dead.              (Bible)


The man who does not read good books has no advantage over the man who can’t read them.  -- Mark Twain.

The key to wisdom knows all the right questions.  -- John Simone

Man’s mind, once stretched by a new idea, never regains its original dimensions.  -- Oliver Wendell Holmes.

I hear and I forget.  I see and I remember.  I do and I understand.  -- Confucius

Beyond getting inspired after reading a self-help post, the more important question is – what do you intend to do now with that information? 

The biggest room in the world is the room for improvement.

The final mystery is oneself.  -- Oscar Wilde

Everything that irritates us about others can lead us to an understanding of ourselves.  – Carl Gustav Jung

The first step toward getting somewhere is to decide that you are not going to stay where you are.

A journey of a thousand miles must begin with a single step. --   Lao Tzu

Obstacles can’t stop you.  Problems can’t stop you.  Most of all,   other people can’t stop you.  Only you can stop you.   --   J. Gitomer

My wife is really sentimental.  One Valentine’s Day, I gave her a ring and to this she has never forgotten those three little words that were generated inside ........Made in Taiwan.

We are what we repeatedly do; excellence, then, is not an act but a habit.  -- Aristotle
The only limits in your life are those that you set yourself.  -- Celestine Chua.
 

       
        S H O R T    S T O R Y   ---    T I T L E ---   T H E   G R E E D Y   M O U S E


A greedy mouse saw a basket full of corn.  He wanted to eat it.  So he made a small hole in the basket.  He squeezed in through the hole.  He ate a lot of corn.  He felt full.    He was very happy.  Now he wanted to come out.  He tried to come out through the small hole.  He could not.  His belly was full.  He tried again.  But it was of no use.  The mouse started crying.  A rabbit was passing by.  It heard the mouse’s cry and asked, “Why are you crying my friend? “ The mouse explained:  I made a small hole and came into the basket.  Now I am not able to get out through that hole.  The rabbit said:  It is because you ate too much.  Wait till your belly shrinks.  The rabbit laughed and went away.  Morning his belly had shrunk.  But the mouse wanted to eat some corn.  So he ate and ate.  His belly was full.  Once again, he thought: Oh!  Now I will go out tomorrow.  The cat was the next passerby.  He smelt the mouse in the basket.  He lifted its lid.  He ate the mouse.    (GUEST BLOG)
 

21 Jan 2016

SHARE MARKET- MONEY TIPS.


Hi Friends,   The Future of Biotechnology:   The biotechnology  sector of India is highly innovative and is on a strong growth trajectory.  The sector, with its immense growth potential, will continue to play a significant role as an innovative manufacturing hub.  The sector is one of the most significant sectors in enhancing India’s global profile as well as contributing to the growth of the economy.  India is among the top 12 biotech destinations in the world and ranks third in the Asia-Pacific region.  India has the second-highest number of US Food and Drug Administration (USFDA) approved plants, after the USA and is the largest producer of recombinant Hepatitis B vaccine.  Out of the top 10 biotech companies in India (by revenue), seven have expertise in bio-pharmaceuticals and three specialise in agri-biotech.


Market Size:  The Indian biotech industry holds about 2 per cent share of the global biotech industry.  The biotechnology industry in India, comprising about 800 companies, is growing at an average rate of about 20 per cent.  The Indian biotechnology sector is expected to grow from the current  US$ 5-7 billion to US$ 100 billion by 2025, growing at an average rate of 30 per cent, as per Union Minister for Science and Technology  Mr. Harsh Vardhan.  Biopharma is the largest sector contributing about 64 per cent of the total revenue followed by bioservices  (18 per cent ) , bio-agri (14 percent) bio industry (3 per cent), and bioinformatics contributing ( 1 per cent).  The high demand for different biotech products has also opened up scope for the foreign companies to set up base in India.  India has emerged as a leading destination for clinical trials, contract research and manufacturing activities owing to the growth in the bio services sector.


Road Ahead:  The Govt. of India has allocated Rs.7,288 crore (US$ 1.09 billion) in the Union Budget 2015 – 16 for conducting research , after  an increase of Rs.1,793 crore (US$ 269.70 million) compared to the Budget of 2014-15.  With the country offering numerous comparative advantages in terms of R & D facilities, knowledge, skills, and cost effectiveness, the  biotechnology industry  in India has immense potential to emerge as a global key player.  India constitutes around 8 per cent of the total  global generics market, by volume, indicating a huge untapped opportunity in the sector.  Outsourcing to India is projected to spike up after the discovery and manufacture of formulations.  Hybrid seeds, including GM seeds, represent new business opportunities in India based on yield improvement.  India currently has a marginal share in the global market for industrial enzymes that is estimated to reach about US$ 4.4 billion by 2015.  Hence, there is an opportunity in focussed R&D  and knowledge based  innovation in the field of industrial enzymes, which can innovatively replace polluting chemical processes into eco-friendly processes that also deliver environmental sustainability.  Another interesting field of study is the area of bio-markers and companion diagnostics,  which will enable to optimise the benefits of biotech drugs.  India has all the ingredients to become a global leader in affordable healthcare.  If there is an annual investment of   US$ 4.01 billion to US$ 5.02 billion in the next five years, the biotech industry can grow  to  US 100 billion by 2025, with a 25 per cent return on investment, and set a growth rate of 30 per cent year – on – year.

Good Luck.                                                                         See You Later.


Q. Which of the following countries is not member of ASEAN?
1. Thailand
2. Vietnam
3. Myanmar
4. Brazil
View answer
Ans: 4
Q. Which of the following factors is the most significant among the multiple factors that go into the formulation of Minimum Support Prices for the major agricultural products which are announced each year?
1. Changes in input price
2. Trends in market prices
3. Cost of production
4. Parity between prices paid and prices received by farmers

STOCK MARKET- MARKET FALLS CHECK WHO IS BUYING.



The current sell-off in the equity market jolted investors as benchmark indices BSE Sensex and NSE Nifty fell below the level before the Modi government era. Since the beginning of January 2016, Sensex fell 2,055 points, or 7.87 per cent, to 24,062.04 till January 20. The index was at 26,117.54 on December 31 last year.

In the present market mayhem domestic fund houses emerged as net buyers in the Indian equity markets. Consider this: during Jan 1-20, foreign institutional investors sold shares worth Rs 7,146 crore in the domestic equity markets. However, domestic institutional investors, or DII, are looking bullish on India story as their net buying stood at Rs 9,249 crore during the same period.

On FIIs money, Vidya Bala, head of mutual funds research, Fundsindia.com, said, ?FII money is more global money so any macro events on the globe require a readjustment of their portfolio, which they are doing through withdrawal. Also, part of FIIs funds is sovereign wealth money that belongs to the wealthy nations. At present, wealthy nations are under slowdown due to lower oil prices, hence FIIs are pulling out a bit of their sovereign wealth from emerging markets. Also, since the US Federal Reserve started hiking interest rates there was some pull out of money from economy as arbitrage opportunity shrunk a bit because interest rates are going up in the US and returns were shrinking in emerging markets which can be another reason for FII outflows from India."

Going with the data, out of past 14 trading sessions domestic institutional investors remained net buyers in 12 trading sessions. On domestic institutional investors, She said, ? DIIs mainly focus on India and the country is far better than other emerging economies in terms of growth. They are buying good stocks at reasonable valuations. In every falling markets when FIIs are selling, you will see DIIs on a buying spree.? DIIs include mutual funds, insurance companies and other institutional investors locally.

During the period, the market capitalisation of the companies listed on the BSE shrank by Rs 10 lakh crore in 14 trading sessions so far in calendar 2016.
According to Kotak Institutional Equities, the correction will offer investors an opportunity to increase exposure to good long-term stocks where valuations are reaching interesting levels.
 

STOCK MARKET- MORNING TREND.


The BSE Sensex is likely to recover from 20-month lows on Thursday tracking positive Asian markets. Major indices in Japan, Hong Kong and South Korea traded higher today as oil prices recovered from their lows. 
The Nifty futures, trading on Singapore Stock Exchange, was up 50 points or 0.7 per cent suggesting a rebound in Sensex and Nifty. 
However, sentiment is likely to be weak as relentless selling by foreign investors continued on Wednesday. FIIs sold shares worth Rs 1,325 crore in cash markets yesterday, leading to over 400-point fall in Sensex. 
Domestic institutional investors continued to buy stocks and pumped in Rs 1,384 crore in to equities on Wednesday. 
Axis Bank, which reported Q3 earnings post market hours on Wednesday, will be in focus. The private lender's net profit beat estimates at Rs 2,175 crore, but its asset quality deteriorated further. 
Meanwhile, investors will also look for cues from companied like Idea Cellular, InterGlobe Aviation, Biocon, Reliance Capital, which will report their earnings for the December quarter today. 
Overnight, US market closed off day's lows; the S&P 500 fell 1.17 per cent at 1,859.33, its lowest close since October 2014, while the Dow Jones index closed 1.56 per cent lower.
 

QUOTES- POSITIVE,INSPIRATIONAL AND IMAGINATION QUOTES.


Jesus said to them, “A prophet is respected everywhere except in his own home town and by his relatives and his family.  He was not able to perform any miracles there, except that he placed his hands on a few sick people and healed them.  He was greatly surprised, because the people did not have faith.    (Bible)


20 Imagination Quotes to inspire you
 Nothing is impossible. With so many people saying it couldn’t be done, all it takes is an imagination.  Michael Phelps

The imagination exercises a powerful influence over every act of sense, thought, reason,– over every idea.  Latin Proverb

Solitude is as needful to the imagination as society is wholesome for the character.
James Russel Lowell

For imagination sets the goal picture which our automatic mechanism works on. We act, or fail to act, not because of will, as is so commonly believed, but because of imagination.
Maxwell Maltz

Far away in the sunshine are my highest aspirations. I may not reach them, but I can look up and see their beauty, believe in them, and try to follow where they lead.
Louisa May Alcott

I am enough of an artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.
Albert Einstein

He who has imagination without learning, has wings and no feet.
Joseph Joubert

Hope is the dream of a man awake.
French Proverb

Imagination is more important than knowledge.
Albert Einstein

A strong imagination begetteth opportunity.
Michel de Montaigne

The real voyage of discovery consists not in seeking new landscapes but in having new eyes.
Marcel Proust

The imagination is the secret and marrow of civilization.
Henry Ward Beecher

Your imagination is your preview of life’s coming attractions.
Albert Einstein

Where beams of imagination play,
The memory’s soft figures melt away.
Alexander Pope

Imagination is the eye of the soul.
Joseph Joubert

You cannot depend on your eyes when your imagination is out of focus.
Mark Twain

Believe that you have it, and you have it.
Latin Proverb

When I examine myself and my methods of thought I come to the conclusion that the gift of fantasy has meant more to me than my talent for absorbing positive knowledge.
Albert Einstein

Imagine every day to be the last of a life surrounded with hopes, cares, anger, and fear. The hours that come unexpectedly will be so much more the grateful.
Horace

The great successful men of the world have used their imagination? they think ahead and create their mental picture in all its details, filling in here, adding a little there, altering this a bit and that a bit, but steadily building – steadily building.
Robert Collier

                                              A SHORT STORY. A LOVE STORY.

Once upon a time, there was an island where all the feelings lived: Happiness, Sadness, Knowledge, and all of the others, including Love. One day it was announced to the feelings that the island would sink, so all constructed boats and left. Except for Love.

Love was the only one who stayed. Love wanted to hold out until the last possible moment. When the island had almost sunk, Love decided to ask for help.
Richness was passing by Love in a grand boat. Love said, “Richness, can you take me with you?”
Richness answered, “No, I can’t. There is a lot of gold and silver in my boat. There is no place here for you.”
Love decided to ask Vanity who was also passing by in a beautiful vessel. “Vanity, please help me!” “I can’t help you, Love. You are all wet and might damage my boat,” Vanity answered.
Sadness was close by so Love asked, “Sadness, let me go with you.” “Oh . . . Love, I am so sad that I need to be by myself!” Happiness passed by Love, too, but she was so happy that she did not even hear when Love called her.
Suddenly, there was a voice, “Come, Love, I will take you.” It was an elder.
So blessed and overjoyed, Love even forgot to ask the elder where they were going. When they arrived at dry land, the elder went his own way. Realizing how much was owed the elder, Love asked Knowledge, another elder, “Who Helped me?”
“It was Time,” Knowledge answered.
“Time?” asked Love. “But why did Time help me?” Knowledge smiled with deep wisdom and answered, “Because only Time is capable of understanding how valuable Love is.”

20 Jan 2016

STOCK MARKET- INVESTMENT IN VOLATILE MARKET.

Top five investment mantras on what stocks to pick in a volatile market


I: After witnessing a strong rally in the calendar year 2014, benchmark indices have turned volatile in the year 2015, weighed down by both domestic as well as global factors.
The S&P BSE Sensex has plunged nearly 1000 points since February. The fact that the markets sold off on good news, both domestic as well as international, does not inspire confidence in the markets.

The selling also has not been accompanied by heavy Institutional sales. Based on current cues, the selling or the profit booking in the market seems to be likely to be limited to March, and April may not see such a vicious down move.
"There have been only 6 instances since 1996 when the Sensex has declined sharply after a 5% or more sell-off in the previous month," says Ravi Shenoy, Vice President at Motilal Oswal.

"Three of these 6 months have been post the Lehman crisis in 2008 and 2 in the post Y2K scenario in 2000. Baring a global cue, we do not currently see a continued sell-off in April," he adds.

But despite the headwinds, analysts are of the view that investors with a long-term horizon can still make money in this market with the right approach.
Over the past few months retail investors have woken up to the fact that the markets are a good place to make money. Also they always react to historical performance.
"Now since the last one year has been a 30% returns period, they are interested in entering. We don't think there is anything wrong in entering even now," says Dr. Vikas Gupta, VP & Fund Manager, Arthveda Fund Management Pvt Ltd.
"The market is at fair-to-mild undervaluation overall and very large portions of the market are significantly undervalued," he adds.

We have collated recommendations or investment mantras from top experts for volatile markets:

Do not put all your eggs in one basket:
"The great mantra given by Mr Warren Buffet -- do not put all your eggs in one basket - is valid in the current market scenario also," says Vivek Gupta, CMT - Director Research, CapitalVia Global Research Limited.

He further adds that neither on bull side nor on bear side investors should be on the winning side, and for that buy on dips is the right strategy.
Make investment for long term (3-5 years):

Before making any investment decision, homework is must, says D K Aggarwal, CMD, SMC Investmentsand Advisors Ltd. Investment in the equity market should be done only with a medium to long-term horizon, i.e. investment for at least 3 to 5 years.
Investors should invest only in companies with strong fundamentals. These are the ones that will withstand market pressures, and perform well in the long term, he adds.
Buy undervalued business:

"The investment mantra followed by us and which we think retail investors should follow when they are deciding to invest in individual stocks is to buy a business which they understand," says Amit Nigam, Head - Equities, Peerless Funds Management Co. Ltd.
"Once a business is identified, then follow it up with an understanding of the particular company's business model (operating in that business), management bandwidth & integrity, and earnings trajectory (hence valuations) going ahead," he adds.
Buy Right Sit Tight:

'BUY RIGHT SIT TIGHT' is something that investors need to do after having picked up the stocks that are right for their risk-reward profile," says Ravi Shenoy, CFA, Vice President, Motilal Oswal Securities Ltd.
"A good business needs to be given time to grow and hence investors need to be patient to realize the full potential," he adds.

Choose stocks with a PE below 20 and PB below 3:
Always look at the value of stocks you own and not their market prices. Dr. Vikas Gupta, VP & Fund Manager, Arthveda Fund Management Pvt Ltd, recommends investors to ask these questions to themselves before making an investment.

a) Are you buying stocks at low valuation ratios, i.e. price to earnings below 20 and price to book below 3 and in exceptionally high quality companies below 5?
b) Are you focusing only on low or no-debt, high-cash companies? Are you diversifying with some large dividend yielding companies with yields of more than 3%?

                                           INDIAN ECONOMY QUIZ.

Q. Interest below which a bank is not expected to lend to customers is known as___________
1. Deposit Rate
2. Base Rate
3. Prime Lending Rate
4. Bank Rate
View answer
Ans: 2
Q. Interest on Savings deposit nowadays is__________
1. Fixed by RBI
2. Fixed by the respective Banks
3. Fixed by the Depositors
4. Fixed as per the contract between Bank and the Consumer Court
View answer
Ans: 2
Q. The holidays for the Banks are declared as per__________
1. Reserve Bank Act
2. Banking Regulation Act
3. Negotiable Instruments Act
4. Securities and Exchange Board of India Act