Lord Jesus Christ Says...

For what shall it profit a man, if he gain the whole world, and suffer the loss of his soul? Read more at:

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 (Rs.in 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."


Keep on loving one another as Christian brothers.  Remember to welcome strangers in your homes.  There were some who  did that and welcomed angels without knowing it.  Remember those who are in prison as though you were in prison with them.  Remember those who are suffering , as though you were suffering as they are.  Marriage is to be honoured by all, and husbands and wives must be faithful to each other.  God will judge those who are immoral and those who commit adultery.  Keep your lives free from the love of money, and be satisfied with what you have.  For God has said, “ I will never leave you; I will never abandon you.” Let us be bold, then, and say,  “The Lord is my helper,  I will not be afraid.  What can anyone do to me? “                    (Bible)

Read through these Inspirational Christian quotes today and add some of your favorites to the comments.  This list will include Christian quotes about hope, love, obedience, God, life and much more. The quotes come from C.S. Lewis, The Holy Bible and other famous Christians. Enjoy!

God loves each of us as if there were only one of us”- Augustine

He is no fool who gives what he cannot keep, to gain what he cannot lose. ~ Jim Elliot

“The will of God will not take us where the grace of God cannot sustain us.”― Billy Graham

“I used to ask God to help me. Then I asked if I might help Him. I ended up by asking 

God to do His work though me.” – Hudson Taylor

If God is your partner, make your plans BIG!- D.L. Moody

Never lose an opportunity for seeing anything that is beautiful; For beauty is God’s handwriting–a wayside sacrament. Welcome it in every fair face, in every fair sky, in every fair flower, And thank God for it as a cup of His blessing. – Ralph Waldo Emerson

Employ whatever God has entrusted you with, in doing good, all possible good, in every possible kind and degree…- John Wesley

Faith is a living and unshakable confidence. a belief in God so assured that a man would die a thousand deaths for its sake. — Martin Luther

Faith is taking the first step even when you don’t see the whole staircase. – Martin Luther King Jr.

The LORD your God is in your midst, a mighty one who will save; he will rejoice over you with gladness; he will quiet you by his love; he will exult over you with loud singing. – Zephaniah 3:17

Know therefore that the LORD your God is God, the faithful God who keeps covenant and steadfast love with those who love him and keep his commandments, to a thousand generations. – Deuteronomy 7:9

“God is most glorified in us when we are most satisfied in Him”― John Piper

“Faith does not eliminate questions. But faith knows where to take them.” ― Elisabeth Elliot

“We never grow closer to God when we just live life. It takes deliberate pursuit and attentiveness.”― Francis Chan

“We may speak about a place where there are no tears, no death, no fear, no night; but those are just the benefits of heaven. The beauty of heaven is seeing God.” ― Max Lucado

“A woman’s heart should be so hidden in God that a man has to seek Him just to find her.” – Max Lucado

“He said “Love…as I have loved you.” We cannot love too much.” ― Amy Carmichael“Always, everywhere God is present, and always He seeks to discover Himself to each one” ― A.W.Tozer

“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”   - Martin Luther King Jr.

“Worry does not empty tomorrow of its sorrows; it empties today of its strength.”   –Corrie Ten Boom

“Don’t pray when you feel like it. Have an appointment with the Lord and keep it. A man is powerful on his knees.” ~ Corrie Ten Boom

The Christian life is not a constant high. I have my moments of deep discouragement. I have to go to God in prayer with tears in my eyes, and say, ‘O God, forgive me,’ or ‘Help me.’  – Billy Graham

Beware in your prayers, above everything else, of limiting God, not only by unbelief, but by fancying that you know what He can do.  – Andrew Murray

One act of obedience is better than one hundred sermons. – Dietrich BonhoefferAim at heaven and you will get earth thrown in. Aim at earth and you get neither.  –C.S. Lewis

27 Jan 2016


  G E N E R A L    K N O W L E D G E  -   S H A R E   &   C A P I T A L     M A R K E T

What does it refer Secondary Market?   A market in which existing securities are traded, as opposed to a primary market , in which securities are sold for the first time.

What do you mean by Secured Liability?  A debt against which the borrower has provided sufficient assets as security to safeguard the lender in case of non-repayment.

What does it refer Self-Assessment?  A system that enables taxpayers to assess their own income tax and capital gains tax liabilities for the year.

What do you mean by Set-Off?   An agreement between the parties involved to set off one debt against a gain.

What do you mean  by Share Premium?   The amount payable for shares in a company and issued by the company itself in excess of their nominal value.

What is Share Premium Account?  The account to which the premium must be credited for shares issued at a premium.

What do you mean by Soft Loan?  A loan with an artificially low rate of interest.

What is Spot Market?  A market that deals in commodities of foreign exchange for immediate delivery.

What do you mean  by Stag?  A person who applies in new issues in the hope that price when trading begins will be higher than the issue price.

What do you mean by Standard Rate?   The rate of value added tax applied to all items sold by taxable persons that are not specified either exempt supplies, zero-rated goods and services, or taxable at a special rate.

What does it refer Stop-loss  Order?  An order placed with a broker in a security or commodity market to close an open position at a specified price in order to limit a loss.

What do you mean by Sunk Capital?   The amount of an organization’s funds that has been spent and is therefore no unrealizable or valueless assets.

What do you mean by Sunk Costs?  Expenditure, usually on capital items, that once having incurred can be included in the books of account as an asset, although this value cannot be recovered.


New York: Applauding the economic reforms unveiled by India, tech giant Apple's CEO Tim Cook said the world's third largest smartphone market presents a "very good business environment" going ahead.

Apple, maker of the iconic iPhone, has been sharpening its focus on the the world's largest democracy as it sees India "quickly becoming the fastest growing BRIC (Brazil, Russia, India and China) country".

Describing India as a rapidly expanding market, Cook said revenues from the country were up 38 per cent and in constant currency, the growth was 48 per cent.


The Sensex and Nifty ended on a flat note in trade on Wednesday ahead of the expiry of futures and options contract for the month of January which is due tomorrow. 

The Sensex ended 6 points higher at 24,492 and the 50-share Nifty jumped 1 point to shut shop at 7,438.

For the most part of the day, the Sensex and Nifty traded in a choppy fashion swinging between minor gains and losses. In the intraday deals, the Sensex touched high of 24,645.70 and low of 24,458 and the broader Nifty moved in a range of 58 points.


10:40 a.m.: Rohit Srivastava of Sharekhan says there is a high probability that markets may have formed a bottom, 7,360 is a good support for Nifty. He adds that markets are headed higher; 7,600-7,700 could prove to be resistance for Nifty.

10:35 a.m.: Market breadth was positive as 1,131 stocks were advancing while 785 were declining.
10:24 a.m.: HDFC was trading 0.16 per cent higher at Rs 1,176 ahead of its third quarter numbers which will be declared later in the day. Analysts expect the mortgage lender to report net profit of Rs 1,540 crore against Rs 1,425 during the same period last year and net interest income is expected to come in at Rs 6,870 crore.
10:19 a.m.: Capital goods stocks were also facing selling pressure. The BSE capital goods index was down 0.6 per cent; Pipavav Defence, BHEL, Larsen & Toubro, Havells and Kalpatru Power were among the losers, down .35-2.4 per cent each.
10:14 a.m.: We like companies in urban and rural consumption space. Retail stocks and private sector banks will do well given government's focus on spending and technology stocks will be good on the back of rupee weakness, says Ridham Desai of Morgan Stanley.
10:03 a.m.: Reliance Communications was the top loser from the mid-cap space, down 2.9 per cent to Rs 63.70. M&M Financial Services, Blue Dart, Container Corp, IDBI Bank, Yes Bank and Amara Raja Batteries were also among the laggards, down 1.4-2.5 per cent each.
9:48 a.m.: Banking stocks were witnessing selling pressure. The Bank Nifty fell 0.53 per cent; Bank of Baroda, Yes Bank, Kotak Mahindra Bank, IndusInd Bank, Federal Bank, Punjab National Bank and Bank of India were among the top losers, down 1-2 per cent each.
9:30 a.m.: The Sensex rose as much as 160 points in the opening trades but soon turned negative and Nifty moved below its crucial psychological level of 7,450 on Wednesday owing to subdued sentiment on the back of weakness in Chinese stock markets.
At 9:26 a.m., the Sensex slipped 7 points to 24,479 and Nifty fell 8 points to 7,428.
Selling pressure was visible in banking, metal, oil & gas, capital goods and FMCG stocks. On the other hand, some amount of buying was seen in power, realty and healthcare stocks.
Mid-cap stocks were also facing selling pressure. The BSE mid-cap index fell 0.08 per cent.
From the Nifty-50 basket of stocks, 30 stocks were declining while 20 were advancing.
Bank of Baroda, Kotak Mahindra Bank, GAIL India, Coal India, Adani Ports, Cairn India, Tech Mahindra and Yes Bank were among the losers, down over 1 per cent each.
At the same time, Power Grid, Sun Pharma, Tata Motors, NTPC, Tata Steel and Maruti Suzuki were among the gainers.

The rupee fell by 21 paise or 0.3 per cent to slip past 68 per dollar on Wednesday. At its day low, it traded at 68.04 against its previous close of 67.83 per dollar.

The rupee has been under pressure, tracking sustained selling by foreign institutional investors in stock markets. FIIs have sold equities worth over Rs 10,500 crore so far in January.