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13:37-39 - "The one who sows the good seed is the Son of Man," replied Jesus. "The field is the whole world. The good seed? That is the sons of the kingdom, while the weeds are the sons of the evil one. The blackguard who sowed them is the devil. The harvest is the end of this world. The reapers are angels

31 Dec 2017


Hi  Friends,   A  good investment plan should help you achieve your objective, but it has to be well within your capabilities to implement.  For that you will have to  ask yourself some hard questions.  Knowing and understanding yourself – your talents, capabilities and limits- is crucial for success in the stock market.  Ask yourself:  ‘Do I have the time, inclination and interest for managing my investments?  Am I prepared to put in the required effort?  Do I have the necessary temperament and skills?’ Formulate your plan accordingly, keeping these factors in mind.  Identify your limits and try to function within them.  Maximize  what you have, and if possible, try to expand your limits.

 For taking the right decisions on investment objectives, plans, strategy, selection, timing and price, you will require information.  Do you have ready access to such information?  If not, do you know where to get it from? When you get it, do you know how to handle, process and use it?  Acquiring the relevant information is not enough; you must know how to analyse it, interpret it and put it into practical use for making day-to-day investment decisions.  The acquisition of the right information at the right time and the ability  to use it effectively is crucial to success in the stock market.

30 Dec 2017


For everything there is a season, and a time for every matter under heaven:  a time to be born, and a time to die;  a time to plant, and a time to pluck up what is planted;  a time to kill, and a time to heal; a time to break down, and a time to build up; a time to weep, and a time to laugh; a time to mourn, and a time to dance; a time to throw away stones, and a time to gather stones together; a time to embrace, and a time to refrain from embracing; a time to seek and a time to lose ; a time to keep, and a time to throw away; a time to tear, and a time to sew; a time to keep silence, and a time to speak; a time to love ,  and a time to hate;  a time for war, and a time for peace. (BIBLE)

 We delight in the beauty of the butterfly, but rarely admit the changes it has gone through to achieve that beauty.  -- Maya Angelou.
The name of the Lord is a strong tower; the righteous run to it and are safe.
I can do all things through Christ who strengthens me.    -- Bible
Come to me, all you who are weary and burdened, and I will give you rest.  -- Bible
Be strong and of good courage, do not fear nor be afraid of them; for the Lord your God, He is the One who goes with you.  He will not leave you nor forsake you. --   Bible
Even though I walk through the darkest valley, I will hear no evil, for you are with me;  your rod and your staff, they comfort me.  -- Bible
Our character is what we do when we think no one is looking.

29 Dec 2017


                   Jew Town.

Jew Town in Mattancherry is famous for the antique shops all along its sides.  The colonial buildings lining the street add to its old-world charm. The Jew Town is a narrow street between Mattancherry Palace and the Synagogue.

Take a walk along the Jew Town and you can breathe antiquity. The curio and antique shops along the street are capable of enchanting the visitors with their variety and rarity. A big vaarpu (bronze vessel) almost three metres in diameter is one of the major attractions here.
Nearest railway station: Ernakulam, about 10 km    
Nearest airport: Cochin International Airport, about 42 km

28 Dec 2017


     Hi Friends,  Please read the following positive and kindness thoughts.

Believe in yourself and all that you are, and know that there is something inside of you that is greater than any obstacle.

You feel good, you feel bad, and these feelings are bubbling from your own unconsciousness, from your own past.  Nobody is responsible except you.  Nobody can make you angry, and nobody can make you happy.

To be creative means to be in love with life.  You can be creative only if you love life enough that you want to enhance its beauty , you want to bring a little more poetry to it, a little more dance to it. (Osho).

Everyone seems to have a clear idea of how other people should lead their lives but none about his or her own . (Paulo Coelho).

When you come to a point where you have no need to impress anybody, your freedom will begin.

As  long as you are intend to improve, no one can stop you from success.

Clear things one at a time, whatever can be cleared-whoever speaks with two months gets slapped hard. (Kabir).

27 Dec 2017


Hi Friends,   The price-earnings ratio (P/E), or price-earnings multiple as it is sometimes called, is the most popular and widely used of all investment indicators.  It is a time-tested and handy tool for evaluating share prices and for assessing investor confidence in different companies.  P/E averages can also be used for judging investor confidence in industries, groups of industries, in the economy as a whole and even in the stock market.  P/E averages are also indicators of what the stock market and the investing public think of the present health of the economy and its future prospects.  An understanding of P/E ratios, what they signify and how they can be effectively used for making investment decisions is necessary for achieving success in the stock market.

  P/E ratios find their most common use in the evaluation of share prices.  The P/E ratio can be used as a yardstick for judging whether a particular company’s shares are overpriced or underpriced.  In this way it acts as an index for helping you decide at what price to buy a particular company’s shares.  It also serves as a signal telling you when and at what price to sell a particular share.  Now let us see how this is done in actual practice.

26 Dec 2017


The man who tries to promote himself by demoting others cannot stay on top if he gets there.

Remember , it is not necessary for others to fail in order that you may succeed.

Keep your mind open and remember that no one knows the last word about anything.

Self-confidence may be mistaken for egotism, if it is not accompanied by humility of the heart.

With all your getting, be sure to get a good stock of common courtesy.

A man who is at peace with himself is also at peace with the world.

You can do it if you believe you can!

Become acquainted with your other self!  It may be better than the one you know best.

Prayer expressed with fear or doubt always produces only negative results.

25 Dec 2017

Christmas Thoughts and Quotations Some Famous, Some Funny, Some Inspirational

"Let us remember that the Christmas heart is a giving heart, a wide open heart that thinks of others first. The birth of the baby Jesus stands as the most significant event in all history, because it has meant the pouring into a sick world the healing medicine of love which has transformed all manner of hearts for almost two thousand years... Underneath all the bulging bundles is this beating Christmas heart."

-- George Matthew Adams (The Christmas Heart)

"Christmas Eve was a night of song that wrapped itself about you like a shawl. But it warmed more than your body. It warmed your heart...filled it, too, with melody that would last forever."

-- Bess Streeter Aldrich (Song of Years)

"So remember while December Brings the only Christmas day, In the year let there be Christmas In the things you do and say."

-- Anonymous

"Until one feels the spirit of Christmas, there is no Christmas. All else is outward display-so much tinsel and decorations. For it isn't the holly, it isn't the snow. It isn't the tree not the firelight's glow. It's the warmth that comes to the hearts of men when the Christmas spirit returns again."

-- Anonymous

"Don't expect too much of Christmas Day. You can't crowd into it any arrears of unselfishness and kindliness that may have accrued during the past twelve months."

-- Oren Arnold

"Christmas gift suggestions: To your enemy, forgiveness. To an opponent, tolerance. To a friend, your heart. To a customer, service. To all, charity. To every child, a good example. To yourself, respect."

-- Oren Arnold

"A woman spent all Christmas Day in a telephone box without ringing anyone. If someone comes to phone, she leaves the box, then resumes her place afterwards. No one calls her either, but from a window in the street, someone watched her all day, no doubt since they had nothing better to do. The Christmas syndrome."

-- Jean Baudrillard

"I'm dreaming of a white Christmas,

Just like the ones I used to know,
Where the tree tops glisten
And children listen
To hear sleigh bells in the snow."
-- Irving Berlin

"There's nothing sadder in this world than to awake Christmas morning and not be a child."

-- Erma Bombeck

Dear Lord, I've been asked, nay commanded, to thank Thee for the Christmas turkey before us... a turkey which was no doubt a lively, intelligent bird... a social being... capable of actual affection... nuzzling its young with almost human- like compassion. Anyway, it's dead and we're gonna eat it. Please give our respects to its family... 

-- Berke Breathed

"The earth has grown old with its burden of care But at Christmas it always is young, The heart of the jewel burns lustrous and fair And its soul full of music breaks the air, When the song of angels is sung."

-- Phillips Brooks

"Christmas! The very word brings joy to our hearts. No matter how we may dread the rush, the long Christmas lists for gifts and cards to be bought and given-when Christmas Day comes there is still the same warm feeling we had as children, the same warmth that enfolds our hearts and our homes."

-- Joan Winmill Brown

"Midnight, and the clock strikes. It is Christmas Day, the werewolves birthday, the door of the solstice still wide enough open to let them all slink through."

-- Angela Carter

"Christmas is not a date. It is a state of mind."

-- Mary Ellen Chase

24 Dec 2017

Christmas Greetings Messages--76 Nos. Messages-

               Christmas Greetings Messages
  1. Let’s celebrate this blissful New Year. happy Christmas.
  2. During this time of faith and family, may the true meaning of Christmas fill you with joy. Wishing you a Merry Christmas and a blessed New Year.
  3. Amidst the Christmas carols, eggnog, cookies and mounds of presents, may your heart be filled with contentment and the unique feeling of joy that the season brings.
  4. My special wishes to you and to all those to are close to you. May you have a Christmas that is more special than it has ever been. May Baby Jesus bless you abundantly.
  5. Christmas is a season of great joy: a time for remembering the past and hoping for the future. May the glorious message of peace and love fill you with joy during this wonderful season.
  6. This time of year brings festivities and family fun. It is a time for reminiscing and looking forward. Wishing you wonderful memories during this joyous season.
  7. A Christmas candle is a lovely thing; It makes no noise at all, But softly gives itself away; While quite unselfish, it grows small.
  8. During the miraculous time that is Christmas may you see with the eyes of a child, experience the wonder of love, and truly enjoy all that the season has to offer.


1. “Be who you are and say what you feel, because those who mind don’t matter and those who matter don’t mind.” ~Dr. Seuss

2. “No one can make you feel inferior without your consent.” ~Eleanor Roosevelt

3. “When someone leaves, it’s because someone else is about to arrive.” ~Paulo Coelho

4. “Be yourself; everyone else is already taken.” ~Oscar Wilde

5. “Don’t cry over someone who wouldn’t cry over you.” ~Lauren Conrad

23 Dec 2017

STOCK MARKET- Markets feel absence of 'illegitimate money,' honest pricing of the stocks may be the next

Suddenly last few days since announcement on demonetisation was made on live television by none other than country's Prime Minister, stock markets in India have been witnessing a significant fall in the volume of transactions. While some of the genuine retail investors have been shying away from taking fresh positions, a large number of 'dabba traders,' have now gone underground thus disappearing from making themselves available in the markets. An immediate result which is being felt--drastic fall in volume in the equity transactions. According to sources in the markets, many of the high-volume traders and other investors who settle their trades with their respective brokers in cash to avoid paying taxes, have reduced their transaction volume significantly fearing a crackdown by the taxmen. Also ongoing strong rumours on various possible crackdown operations apparently being thought in the corridors of power in Delhi, have led to further drop on transactions. In fact, sources tell us, the Finance Ministry along with the market watchdog, SEBI have put lakhs of DEMAT accounts under scanner due to heavy and unusual transactions during last few weeks, even before demonetisation move was made public.

The fight by the Centre against the black money menace has reduced liquidity in the markets to a significant extent. The bourses have reacted to the liquidity crunch in the last two trading sessions. The BSE Sensex has lost almost 1,200 points while the S&P Nifty has shed close to 400 points due to this radical move of the Central government. Angadiyas (local couriers) have also stopped their activities significantly thus hardly any cash ferrying activities are taking place across the country--while some are unhappy with the steps taken by the government, regular tax-payers have reasons to celebrate these days. It is expected markets to behave rangebound once the cleansing operations gets over in next one quarter or so and also honest prices for the stocks will be revealed thus bringing more retail investors in the markets who have been cheering the government move in recent times. The bubble has to burst be it in the equities of real estate sector--and with the announcement by the PM on the night of November 8, seems, the first phase towards bursting the bubble has been taken by the government. At least it has created enough panic leading to much scare among the 'wrong-doers' in the markets. A fall in the volume and fall in stock prices can be handle for now--an honest market is what the retail investors in this country deserve. Scaring away the 'dabba traders' is one of the good things which markets have recently witnessed. Watchers believe, there are more to come and retail investors really do not have reasons to panic even in case of a sharp fall. 

22 Dec 2017


1. Live Life the Positive Way
Everyone wants to be happy in life. Studies on Positive Psychology have shown that happy people are more creative and productive. They earn more capital and respect, enjoy a better life, have good family bondage and attract more friends as well as other people. They stay healthier and outlive their grumpy colleagues.
Blessed with reasonably sound health, economic security, good family support and friends, there is no valid reason anyone should be unhappy. Yet, some people possessing these virtues remain distressed.

2. You are Fortunate
Do not compare yourself with those who are better placed. Consider yourself fortunate to reach the level you have. Certainly, be ambitious, set realistic goals and try your best to achieve them but feel contented with what you eventually get. This attitude will give ultimate bliss.

21 Dec 2017



Munnar is situated at the confluence of three mountain streams - Mudrapuzha, Nallathanni and Kundala. 1,600 m above sea level, this hill station was once the summer resort of the erstwhile British Government in South India. Sprawling tea plantations, picture-book towns, winding lanes and holiday facilities make this a popular resort town. Among the exotic flora found in the forests and grasslands here is the Neelakurinji. This flower which bathes the hills in blue once in every twelve years, will bloom next in 2018. Munnar also has the highest peak in South India, Anamudi, which towers over 2,695 m. Anamudi is an ideal spot for trekking.
Let us now explore some of the options in and around Munnar that would provide travellers ample opportunities to enjoy the captivating hill station of Munnar.

Eravikulam National Park

One of the main attractions near Munnar is the Eravikulam National Park. This park is famous for its endangered inhabitant - the Nilgiri Tahr. Spread over an area of 97 sq. km., this park is also home to several species of rare butterflies, animals and birds. A great place for trekking, the park offers a magnificent view of the tea plantations and also the rolling hills caressed by blankets of mists. The park becomes a hot destination when the hill slopes here get covered in a carpet of blue, resulting from the flowering of Neelakurinji. It is a plant endemic to this part of the Western Ghats which blooms once in twelve years.

20 Dec 2017

QUOTES--emotional intelligence and why we should focus on developing it further.

Here are 15 quotes to remind us of the power and importance of emotional intelligence and why we should focus on developing it further.
  1. If your emotional abilities aren't in hand, if you don't have self-awareness, if you are not able to manage your distressing emotions, if you can't have empathy and have effective relationships, then no matter how smart you are, you are not going to get very far. -Daniel Goleman
  2. 75 percent of careers are derailed for reasons related to emotional competencies, including inability to handle interpersonal problems; unsatisfactory team leadership during times of difficulty or conflict; or inability to adapt to change or elicit trust.  -Center for Creative Leadership
  3. When dealing with people, remember you are not dealing with creatures of logic, but with creatures of emotion. -Dale Carnegie
  4. When our emotional health is in a bad state, so is our level of self-esteem. We have to slow down and deal with what is troubling us, so that we can enjoy the simple joy of being happy and at peace with ourselves. -Jess C. Scott 
  5. The only way to change someone's mind is to connect with them from the heart. 
    -Rasheed Ogunlaru
  6. No one cares how much you know, until they know how much you care.
     -Theodore Roosevelt
  7. Unleash in the right time and place before you explode at the wrong time and place. -Oli Anderson
  8. The greatest ability in business is to get along with others and influence their actions. -John Hancock
  9. In a high-IQ job pool, soft skills like discipline, drive, and empathy mark those who emerge as outstanding. -Daniel Goleman
  10. Any person capable of angering you becomes your master. -Epictetus
  11. Anyone can be angry--that is easy. But to be angry with the right person, to the right degree, at the right time, for the right purpose, and in the right way--that is not easy. -Aristotle
  12. Every time we allow someone to move us with anger, we teach them to be angry.  -Barry Neil Kaufman
  13. Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around. -Leo Buscaglia
  14. Emotions can get in the way or get you on the way. -Mavis Mazhura
  15. Experience is not what happens to you--it's how you interpret what happens to you. -Aldous Huxley

19 Dec 2017


Hi Friends:   The dark secret of the modern stock market.    -    Back to the beginning and the smart looking strategies how to beat the market:  Will they not allow you to make money in the stock market?  The sad answer is, the private investors and their professional helpers are essentially fighting for a positive piece of a negative cake.  The odds are against the investor.  Planning the exit of all positions and selling regularly, in other words becoming a trader, would improve his situation.  Of course, this is not easy, either.  You are still facing the competition of the market maker and his many dirty tricks.  He has the advantage and you and other traders are still trying to eat a negative cake.  To overcome this tough environment a trading method or system is necessary.  Don’t expect to be able to fend off the systematic advantages of others with impulsive decisions.  Moreover, you have to have an edge.  At least some elements must set your trading apart from what others do.  The market constantly adapts itself to the wisdom of the crowd.  A working system has to meander around the various traps of the market and still center around a real imbalance and exploit it.  Traps and imbalances are hidden.  If they were obvious for everyone they wouldn’t exist.

18 Dec 2017

QUOTES-Best Life Quotes by Buddha

Gautama Buddha also is known as Siddhartha Gautama. With the help of Siddhartha Gautama teachings, Buddhism takes place. Gautama Buddha was born in Lumbini. Siddhartha Gautama realizes that meditation is the only path to awakening. Gautama decides to live his life as a Yogi. Gautama starts seated under a Pipal tree which is known as Bodhi Tree. Gautama meditation regular 49 days, to have attained Enlightenment.
Gautama Buddha, also known as Shakyamuni Buddha or Siddhartha Buddha or Buddha founded Buddhism. He was one of the many Sramana philosophers of his time. According to the Buddhist tradition, Buddha was born in Lumbini, now in Nepal. He was brought up by his mother’s younger sister and his father wanted him to be a great king. It is said that his father shielded him from religious teachings and human sufferings.

17 Dec 2017



Kalaripayattu the martial art form of Kerala is regarded as the oldest and most scientific of its kind in the world. Training in combat is given at the Kalari (training school). The principles of Kalari education stipulate that training in martial art begins with an oil massage of the body which goes on until the body is agile and supple. Feats like chaattom (jumping), ottam (running), marichil (somersault) etc. are then taught, followed by the lessons in the use of weapons such as daggers, swords, spears, maces, the bow and arrow and so on.

Kalaripayattu training aims at the ultimate co-ordination of the mind and body. The traditional training in a kalari includes specialisation in indigenous medical practice too. Kalaris are also centers of religious worship. The general guidelines to be followed in Kalaripayattu demand that once the course is complete, a person should undergo oil massage and engage in the practice of the feats regularly to help him keep in shape

16 Dec 2017

STOCK MARKET-10 stocks bought and sold by mutual funds in November 2017.

Below are top 10 stocks bought and sold by mutual funds in November 2017.

Table 1: Top 10 Stocks bought by Mutual Funds in Nov 2017

Company Name
Nov-2017 (Cr.)
Absolute Change (Cr.)
Bharti Airtel Ltd.
Rs 4,843
Rs 3,096
Rs 1,747
Infosys Ltd.
Rs 10,380
Rs 9,446
Rs 934
ICICI Bank Ltd.
Rs 15,015
Rs 14,135
Rs 881
Larsen & Toubro Ltd.
Rs 12,036
Rs 11,321
Rs 715
Housing Development Finance Corporation Ltd.
Rs 7,275
Rs 6,669
Rs 606
State Bank Of India
Rs 12,083
Rs 11,538
Rs 545
Divis Laboratories Ltd.
Rs 2,611
Rs 2,134
Rs 478
HDFC Bank Ltd.
Rs 21,244
Rs 20,784
Rs 460
Titan Company Ltd.
Rs 1,251
Rs 801
Rs 450
Mahindra & Mahindra Ltd.
Rs 4,356
Rs 3,940
Rs 415

Table 2: Top 10 Stocks sold by Mutual Funds in Nov 2017

Company Name
Absolute Change (Cr.)
Adani Ports and Special Economic Zone Ltd.
Rs 775
Rs 1,407
-Rs 631
The Federal Bank Ltd.
Rs 3,232
Rs 3,665
-Rs 433
Reliance Industries Ltd.
Rs 6,025
Rs 6,407
-Rs 382
Bajaj Finance Ltd.
Rs 3,096
Rs 3,473
-Rs 376
Aurobindo Pharma Ltd.
Rs 2,451
Rs 2,821
-Rs 370
Petronet LNG Ltd.
Rs 2,790
Rs 3,159
-Rs 368
Vedanta Ltd.
Rs 2,406
Rs 2,749
-Rs 343
Lupin Ltd.
Rs 769
Rs 1,110
-Rs 341
HCL Technologies Ltd.
Rs 3,170
Rs 3,509
-Rs 339
UPL Ltd.
Rs 2,142
Rs 2,437
-Rs 296