Lord Jesus Christ Says...

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

13 Feb 2016


The buy and hold strategy essentially consists of buying into an Up company, in an Up industry, operating in an Up economy and then holding on for a sufficiently long period to take full advantage of its growth phase. The company should be a well- managed, technologically advanced market leader, or potential market leader, committed to long term growth and expansion. The buy and hold  investor buys shares in such a company and waits for time and the  magic of compound rate of growth to snowball his invested capital into a sizable fortune. In order to ensure safety and minimize risks, he diversifies by investing in a number of growth companies operating in different but equally fast growing sectors of the economy. He keeps a watchful eye on these companies and used every dip in share prices to buy more shares and increase his total shareholding. He ignores the day- today, week to week price fluctuations and other short term stock market cycles, expect to buy additional shares when share prices are at cyclically low levels.

The buy and hold investor normally does not sell any shares except under certain specified conditions. He makes money by capitalizing on the underlying growth rate of a fast growing company, in a fast growing industry in a fast growing economy. He banks on the climate and not on the weather. Some of the greatest fortunes in the world have been made through the successful application of buy and hold strategies Computer aided experiments and studies carried out in the  US have also shown that in an overwhelming number of cases, long term buy and hold strategies have generally given better returns than in  and out stock market trading strategies

Thanking you,                                                                    see you later

Objective Business and Economics
Q. A firm practising price discrimination will be -
1) charging different price for different qualities of a production
2) buying in the cheapest and selling in the dearest markets
3) charging different prices in different markets for a product
4) buying only from firms selling in bulk at a distance

View Answer
Ans: 3
Q. The Phillip's curve is the schedule showing the relationship between -
1) aggregate supply and demand
2) total saving and investment
3) the rate of unemployment and rate of inflation
4) demand for and supply loanable funds


New Delhi: Attributing the recent crash in the stock market to global factors, Finance Minister Arun Jaitley on Friday said there was no need for "exaggerated panic" and asked investors to keep the economy's inherent strength in mind.

The Finance Minister said the government will continue to pursue policies to support growth amid global slowdown. 


The Sensex on Friday managed to snap a four-day losing streak, but domestic stock markets posted their biggest weekly fall since July 2009. The Sensex shed 1,631 points or 6.62 per cent, while the Nifty lost 508 points or 6.79 per cent this week, making it the worst week for domestic markets in nearly seven years.

Here are the latest developments:

1) The Sensex managed to eke out small gains on Friday after four days of triple digit losses. However, the Sensex failed to close above 23,000. Similarly, the Nifty could not close above the psychological 7,000 mark.


Mark 12:30-3130 Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength.’ 31 The second is this: ‘Love your neighbor as yourself.’There is no commandment greater than these.”

Don’t wait for tomorrow because you will never get today back.

God is the best listener.  You don’t need to shout nor cry or loud because he hears even the very silent prayer of a sincere heart.

Watch your thoughts, they become words, watch your words, they become actions, watch your actions, they become habits, watch your habits, they become character, watch your character, it becomes your destiny.

Tongue has no bones, but is strong enough to break a heart.  So be careful with your words.

The most exhausting thing in life is being is insincere.

Some people look for a beautiful place, others make a place beautiful.

The secret of life though is to fall seven times and to get up eight times.

LIFE is very complicated.  Don’t try to find ANSWERS when you find answers LIFE changes the Questions.

Take every chance you get in Life, because some things only happen once.

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

To be successful, you need friends, to be very successful you need enemies.

Human beings are very strange.  They have ego of their knowledge but they don’t have knowledge of their ego.

Worry is a total waste of time.  It doesn’t change anything.  All it does is stealing your joy and keeps you very busy doing nothing.

Mistakes are proof that you are trying.

Pure love is a willingness to give without a thought of receiving anything in return.

Honesty is a very expensive GIFT.  Do not expect it from cheap people.

Three sentences for getting success:  A. Know more than other.  B. Work more than other.  C.  Expect less than other.

Love is like war.  Easy to begin but very hard to stop.

It is very easy to say ‘Busy’ when someone needs you..... But it is very painful to hear ‘Busy’ when you need someone......

Positive thoughts are not enough.  There have to be positive feelings and positive actions.

               A WOMAN WAS WAITING FOR...

A woman was waiting for her flight at airport.

She bought a bag of cookies, found a place to drop and took out her book. She started to read and suddenly noticed that a man, sitting beside her, grabbed a cookie from her bag. She just tried to ignore this.So she munched cookies and at the same time watched how shameless cookie thief was diminishing her stocks. She thought to herself: „If I wasn't such a nice person, I would blacken his eye“.

When only one cookie was left, she looked with interest and wondered what he would do. He smiled, took the last cookie and broke it in half. She thought: „This guy is so rude, he didn't even show any gratitude!”

After her flight was called, the woman gathered her baggage and headed to gate. She took her seat in the plane, and started to look for her book, which was almost complete. As she reached her baggage, she gasped with surprise, as there was an unopened bag of cookies. A dreadful thought crossed her mind: „If my cookie bag is here, the other one was his and he just tried to share. She realized that she was the rude one, but it was too late to apologize.                                                                                                    GUEST BLOG.

12 Feb 2016



So far this year, the market valuation of BSE-listed companies has come down sharply by Rs 14 lakh crore from Rs 1, 00, 37,734 crore on December 31, 2015.
The carnage in the stock market on Thursday made Dalal Street investors poorer by over Rs 3 lakh crore, where the benchmark Sensex tumbled by more than 800 points, amid a massive sell-off in banking shares and worries over global economic slowdown.
The Sensex on Thursday closed 807.07 points down at 22,951.83 points -- the lowest closing level for the index since May 8, 2014. Intra-day, it slumped 849.78 points to 22,909.1 -- its 52-week low. This was also the fourth straight session of losses for the index which has fallen by 1,665 points.
Following the extreme weakness in stocks, the market capitalisation (m-cap) of BSE-listed firms plunged by Rs 3.18 lakh crore to Rs 86,30,930 crore. So far this year, the market valuation of BSE-listed companies has come down sharply by Rs 14 lakh crore from Rs 1, 00, 37,734 crore on December 31, 2015. "Markets fell steeply on the back of continuing concerns about a global slowdown and consequent impact on the financial sector. Quarterly results declared over the past few days have also not met up to the muted expectations and that also impacted sentiments," said Dipen Shah, Senior Vice-President & Head of Private Client Group Research, Kotak Securities.
Going ahead, global concerns will remain at centre-stage and will likely dictate market sentiments, he added. Following today's fall, the Sensex has come off over 23% from its all-time peak of 30,024 points recorded on March 4, 2015. It was a sea of red at the BSE Sensex, where 28 out of the 30-bluechip scrips suffered losses. Adani Ports, BHEL, Tata Motors, ONGC, Mahindra & Mahindra and Tata Steel were the top losers. Cipla and Dr Reddys Lab, however, ended with mild gains.
"Bears tightened their grip across the globe. Relentless selling in the stock market is coming from redemption pressures, crude slumping to multi-year lows, depreciating rupee against dollar and disappointing earnings," said Gaurav Jain, Director,  Hem Securities. At the BSE, 2,359 stocks declined, while only 324 advanced. The prices of 96 stocks remained unchanged
   18.05.2006            -826.38 points
   21.01.2008           -1408.35   
   22.01.2008             -875.41   
   11.02.2008             -833.98   
   03.03.2008             -900.84   
   17.03.2008             -951.03   
   24.10.2008           -1070.63   
   06.07.2009            -869.65     
   06.01.2015            -854.86     
   24.08.2015           -1624.51   
   11.02.2016            -807.07   
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3:34 p.m.: The stock markets ended today's volatile session on a positive note after four days of losses. The Sensex ended 34 points higher at 22,986 and Nifty jumped 5 points to 6,981.

3:13 p.m.: Nifty likely to bottom around 6,800, expect reversal of bull-run by April: Sanjeev Bhasin.

3:09 p.m.: See a global rally in the offing by next week, says Sanjeev Bhasin of IIFL.


10:05 a.m.: TeamLease Services lists on a weak note, falls 6.2 per cent against issue price of Rs 850.

10:00 a.m.: The market breadth is extremely is bearish as 1,493 stocks were declining while only 370 stock were advancing.

9:50 a.m.: Illusion about equity markets that one can earn 15-20 per cent by investing in markets is getting exposed now, says Michael Every of Rabobank.

9:43 a.m.: The stock markets turned flat; Sensex was up 7 points at 22,959 and Nifty was up 3 points at 6,976.


The Sensex posted its fourth straight triple-digit loss on Thursday, crashing below the key 23,000 levels. The Nifty blue-chip index ended at a 21-month low below 7,000. The four-day carnage has set back shareholder's wealth by nearly Rs. 7 lakh crore. The National Stock Exchange's volatility index, also called the fear gauze, surged 16 per cent to a 21-month high today, suggesting heightened panic among investors. Sentiments were also weighed down by continued decline in the rupee, which slumped to a 29-month low of 68.32 per dollar. (Read)

Here are three reasons for the market slump


“For God loves a person who gives cheerfully.”  And God will generously provide all you need.  Then you will always have everything you need and plenty left over to share with others.  As the Scriptures say, “They share freely and give generously to the poor.  Their good deeds will be remembered forever.”  For God is the one who provides seed for the farmer and then bread to eat.  In the same way, he will provide and increase your resources and then produce a great harvest of generosity in you.  Yes, you will be enriched in every way so that you can always be generous.  And when we take your gifts to those who need them, they will thank God.
2 Corinthians 9:7-11
The New Living Translation

Stars cannot shine without darkness.

Exams and grades are temporary, but education is permanent.

If you can’t make a mistake, you can’t make anything. (Marva Cellins).

The best way to escape your problem is to solve it.

I will win not immediately, but definitely.

I destroy my enemies when I make them my friends.  (Abraham Lincoln)

We should not wait for someone else to come and raise our voice.   We should do it by ourselves.  We should believe in ourselves.  Yes we can do it.  (Malala Yusuf).

One of the most sincere forms of respect is actually listening to what another has to say.(Bryant McGill).

A moment of patience in a moment of anger saves you a thousand moments of regrets.(Ali Bin Abi Taleb).

Some people will never change, & you just have to accept that.

Everything on the earth has a purpose, every disease an herb to cure it and every person a mission.  This is the Indian theory of existence. (Christal Quintasket).

I can do things you cannot, you can do things I cannot; together we can do great things. (Mother Theresa).

If you cannot feed a 100 people, then feed just one. (Mother Theresa).

Kind words can be short and easy to speak, but their echoes are truly endless. (Mother Theresa).

The good you do today, people will often forget tomorrow.  Do good anyway.(Mother Teresa).

We can do no great things, only small things with great love.  (Mother Teresa).

Live simply so others may simply live.  (Mother Teresa).

Easy way to Die!   Puff a cigarette daily, you will die 10 years early.  Drink Alcohol daily.  You will die 20 years early.  Love someone, who does not love you back.  You will die daily.

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

 Never worry about numbers.  Help one person at a time and always start with the person Nearest you.   (Mother Teresa.)


Mother asked her child:— Do you know that God was here, when you were stealing cookies from the kitchen?— Yes, I do.— And do you know that he was looking at you all this time?— Yes, I do.— And how do you think, what he said?— He said: “There is nobody here apart from us, so take some cookies for me, too!”  

11 Feb 2016


Hi friends, Large-cap, mid-cap and Small –cap stocks:- Stocks are categorized by market capitalization. The market capitalization is calculated by multiplying the current price of the Stock with the number of outstanding Shares in the market. The large cap stocks are Shares of high market capitalization, the small cap ones have a low market capitalization and the mid cap ones fall in between these two. Stock market indices are also built on the basis of market capitalization

Blue chip Shares:- The shares of companies which have a consistent track record and are doing exceedingly well compared with other companies are known as Blue Chip Shares. Sensex & Nifty consist of blue chip companies. The price movement of these companies have an impact on the indices. They are market leaders and have the potential to influence the market. Some examples are SBI, Reliance, HDFC, ONGC, Infosys, TCS, and WIPRO etc.

 Growth shares:-Stock that has a higher rate of growth in profitability than the Industry growth rate are referred to as growth shares. For example, the Nifty had given a negative return of over 9% in 2011. Hindustan Liver outperformed the Nifty index with 32% gain in 2011. Another FMCG firm ITC gained nearly 16%

Income Shares:- These stock belongs to companies that have stable operations and pay regular dividends. JB Chemicals given dividend of 2050% in March2012 and HCL Info gave 400% dividend in the same period. Page Industry, ONGC,Tata group companies ,R.Com,ITC WIPRO and Infosys also have strong dividend policies.

Defensive shares:- These type of shares are relatively unaffected by market movements. For example, a lot of Pharmaceutical stocks posted returns even in the period of slow down, The pharmaceutical industry, owing to the inherent nature of its demand is not affected by downturn in the economy.

Cyclical Shares:- The business cycle affects cyclical shares. The upward and downward movements of the business cycle affect the business prospects of certain companies and their stock prices. Such shares provide low to moderate current yield. The capital gain may be highly variable. For example, the automotive sector stocks are affected by business cycles.

Speculative Shares:- Shares that have a lot of speculative trading in them are referred to as speculative shares. During the bull and bear phase of the market, this type of shares attracts the attention of the traders. Stock which falls under one category in one period may switch over to another category in another period. The classification should not be considered rigid. For example, growth shares may be speculative shares.
This article will be continued later..My friends please remember, if you born poor, it is not your mistake, but if you die poor, it is your mistake. So work hard wisely and make wealth in straight way.

Good luck.                                                                       See you later.

Objective Business and Economics
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


The BSE Sensex slumped 807 points, or 3.4 per cent, on Thursday, tracking a huge selloff in global markets. Investors dumped shares of state-run lenders, which weighed on market sentiments. Relentless selling across the board sent the Sensex crashing below 23,000, while the broader Nifty ended below the key 7,000 levels for the first time since May 2014.  The Sensex settled at 22,951 after suffering its biggest single-day loss since August 2015.
Here are the latest developments:


9:30 a.m.: The Sensex and Nifty touched fresh 52-week low in early trading; Sensex touched low of 23,610.70 and Nifty registered low of 7,167.80.

9:28 a.m.: Gaurang Shah of Geojit BNP Paribas says the banking sector has been a disaster, if SBI disappoints in Q3, markets will fall further.

9:25 a.m.: The Sensex fell over 100 points in the opening deals on Thursday and Nifty moved below its crucial psychological level of 7,200 on the back of broad-based selling pressure. 


Washington: Tightening financial conditions and uncertainty over China pose risks to the US recovery, but chances are slim the Federal Reserve would need to reverse the rate tightening cycle it began in December, the central bank's Chair Janet Yellen told US lawmakers on Wednesday.

Global risks have intensified and could slow the US economy, but "I don't expect the (Federal Open Market Committee) is going to be soon in the situation where it is necessary to cut rates", Ms Yellen said.


Titus 1:15-1615 To the pure, all things are pure, but to those who are corrupted and do not believe, nothing is pure. In fact, both their minds and consciences are corrupted.16 They claim to know God, but by their actions they deny him. They are detestable, disobedient and unfit for doing anything good.

Self pity is our worst enemy and if we yield to it, we can never do anything wise in this world.  (Les Brown).
Never speak out of anger, never act out of fear, Never choose from impatience, But wait.... and peace will appear.  (Guy Finley).
The best portion of good man’s life is the little, nameless unremembered act of kindness and love.  (William Wordsworth.)
Humility is born of the spirit, humiliation of the ego.  (Alan Choen).
The sign of intelligent people is their ability to control emotions by the application of reason.(Maryu).
Whatever is begun in anger ends the shame.  (Benjamin Franklin).
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.
As a leader, you have to not only do the right thing, but be perceived to be doing the right thing.
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).
A 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 pre-requisite for great success.  If you want to succeed faster double your rate of failure.  (Brain Traey).
Kiss slowly, laugh insanely, live truly and forgive quickly.   (Panlo Coetho).

Fighting goats and jackal. 

One day while a sage was going through a jungle, he saw two golden rams (billy goats) fighting each other.   Even though both were wounded, and blood was oozing out from their heads and bodies, they did not stop fighting and rammed at each other.    At the same time, a hungry jackal was passing by. When he saw all the blood, he started licking the blood from the ground without caring for the fighting rams.    Watching all this, the sage thought to himself, "This jackal is a fool as it has become greedy by the smell of blood. If he comes between the fighting rams, it will get rammed and get hurt himself".   No sooner had the sage thought of it, the jackal craving for more blood came nearer to the fighting rams, and got caught in the middle of their fight. Both the rams rammed into him by mistake. He got hit on his head, and fell down. He died instantly from the injury.   

10 Feb 2016


Goldman Sachs Banking Index Exchange Traded Scheme:-Hi Friends, This is also a type of Mutual fund-ETF Basis This scheme belongs to Goldman Sachs. The main object of the scheme aims to generate returns that are commensurate with the performance of CNX Bank Index subject to tracking error by investing at least 90% of its total assets in the Stocks of the underlying Index Fund Vs Banking Vs S&P BSE Bank Index. This is an open ended scheme, Scheme launch date 26-5-2004. Bench marks S &P Bank Nifty, Asset size 1823.64 Cr. Minimum investment Rs.10000/-

 Main port folio of the Scheme- 1)HDFC Bank -386.70 Cr i.e. 26.96% 2)ICICI Bank- 344.71 Cr i.e. 34.03% 3) Axis Bank 187.51 Cr i.e. 13.07% 4)SBI- 163.29 Cr i.e. 11.38% 5) Kodak Mahindra Bank 133.91 Cr i.e. 9.33% 6)Indus ind Bank 71.09 Cr ie4.96% 7) Yes Bank 53.83 Cr i.e. 3.75 % 8) Bank of Baroda 28.62 Cr ie1.99% 9)Federal bank 22.97 Cr i.e. 1.60% 10) Punjab National Bank 21.44 Cr i.e. 1.49%

  The trustee has declared dividend on 2006- Rs.8, 2007- Rs 7&5, 2009- Rs.5&10, 2012- Rs. 11 and 2013-Rs.18. Since May 2014 Ms.Payal Kaipunjal, MBA is the Fund Manager. Trade strategy developed by the Writer:- This Exchange Traded Scheme is different from other mutual funds. Because it is listed and traded daily like equity shares in BSE and NSE. In short it is called Bank Bees Shares. Any way it is better to keep three note books, one for writing CNX NIFTY, second for Bank Nifty and third for Bank Bees rates, daily after closing the market. When you note Bank Bees details previous closing and trading day closing rate should be noted. If you keep these three records promptly you can easily analyse the movements of Bank Nifty Index etc. If the market goes up Nifty, Bank Nifty & Bank Bees will also go up.. If it is in bear market the result is reverse. I tell you with an example. On 07-05-2015, CNX NIFTY was 8057.90, Bank Nifty 17376.90 and Bank Bees were available @ 1738/-. I invested Rs. 1 lakh, purchasing Bank Bees shares @1738/-. I got 57.5 no’s Bank Bees shares. On 20-5-2015 CNX NIFTY climbed to 8423.25, Bank Nifty to 18555.15 and Bank Bees Rs.1855/-. Same day I sold my shares in an average rate Rs 1850/-.My selling price was Rs.106375/- less brokerage Rs 800, Net-Rs105575/-, My profit for 14 days is Rs.5575/-.Scheduled Bank will  give only Rs,700/-pm.

 Again you see on 8-6-2015 CNX NIFTY was 8044.15, Bank Nifty 17432.60 and Bank Bees available @1745. Suppose you purchase it for one lakh you may get 57.3 no’s of Bank Bees. This share has gone up to 1905/- on 6-7-2015. If you sell it you may get Rs.109156/-, less brokerage 900/-= 108256 i.e. profit of Rs.8256/- for one month holding. For all these, you have to keep the details daily and study it. Probably every month you may get chance to buy Bank Bees @ 1600-1645. After buy hold it till the market revives. You may get chance to book profits within a short time. This trading is low risk when compared to Equity shares. 

Try your luck. Good bye.                                             See you later. 



Benchmark indices BSE Sensex and NSE Nifty hit their fresh 52-week low in Wednesday's trade and was trading over 20 per cent down from their record highs. Sensex closed 262 points down at 23,758.90, while Nifty settled 76.80 points down at 7221.40.


The 50-share blue-chip Nifty index hit a 20-month low on Wednesday following a sharp selloff in state-run banking stocks. The Nifty fell over 120 points or 1.5 per cent to slip below the key 7,200, while the Sensex slumped over 380 points in afternoon trade.

Here are the latest developments:

1) State-run lenders led the selloff in domestic markets for second consecutive session. The Nifty Bank - the index of top banking stocks -- traded 2.5 per cent lower underperforming the broader markets.

2) State-run Indian Overseas Bank posted a Q3 loss of Rs 1,425 crore on higher bad loan provisions today. The stock fell as much as 8.5 per cent post earnings announcement.


9:56 a.m.: If retail customers start to withdraw money from stock markets there will be mayhem on the Street, says Ajay Srivastava of Dimensions Consulting.

9:49 a.m.: From the Nifty-50 basket of stocks, 46 were declining while only 4 were advancing.

9:48 a.m.: The 50-share Nifty fell as much as 66 points to hit fresh 52-week low of 7,231.90 and Sensex declined 216 points to hit low of 23,804.62 on the back of broad-based selling pressure.



Seventeen per cent of Indian employees fear about losing their jobs. This is the finding of a survey by global human resource consulting firm Randstad conducted during the December quarter. In the September survey, 23 per cent of employees had expressed fear about job security.

The survey also revealed positive sentiment among Indian employers for 2016: A staggering 90 per cent of employers felt that the economic situation in the country will improve further in 2016.