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Luke 5:31, 32 And Jesus answering said unto them, They that are whole need not a physician; but they that are sick. I came not to call the righteous, but sinners to repentance.

31 Mar 2018


                Important days / dates in January:

January 01 : Global family day, Army Medical Corps Establishment Day.
January 06 : World War Orphans Day.
January 08 : African National Congress Foundation day
January 09 : NRI day / Pravasi Bhartiya Divas.
January 10 : World laughter day.
January 11 : death day of Lal Bahadur Shastri
January 12 : National Youth Day, Swami Vivekanand Birthday
January 15 : Army Day.
January 23 : Netaji Subhash Chandra bose birthday.
January 24 : National Girl Child day of India.
January 25 : India Tourism Day Indian Voter Day, International Customs Duty Day.
January 26 : India's Republic Day
January 26 : International Customs day.
January 27 : International Holocaust Remembrance Day.
January 28 : Lala Lajpat Rai birthday
January 28 : Data protection day
January 30 : National Martyrs' Day or Sarvodaya Day
January 30 : World leprosy eradication day.

Important days / dates in February:

February 02 : World Wetlands Day
February 04 : World Cancer day, Srilanka National day, Facebook day.
February 05 : Kashmir Day (in Pakistan)
February 06 : International day against female genital mutilation.
2nd Sunday of February : World Marriage Day.
February 11 : World Day of the Sick
February 12 : Darwin day
February 13 : Sarojini Naydu's birthday, World Radio Day, National Womens day.
February 14 : Valentine’s day
February 20 : World day of social justice
February 21 : International mother language day
February 22 : World Thinking day, World scout day
February 23 : World peace and understanding day
February 24 : Central Excise Day.
February 28 : National Science Day.

Also check out: list of All Countries, their Capital and Currency

30 Mar 2018

SHARE MARKET--DISCOUNT SALE ENDS//look for investing long term.

This means a lot of selling pressure, that was seen has abated. So, rest assured that there would be some buying now, especially at the retail level. Investors would have sold shares to avoind paying capital gains tax and would now use the same money to buy shares. Mutual funds would be flush with funds from tax saving schemes Mutual fund houses would also be flush with funds from schemes like ULIP and Equity Linked Saving Schemes. Investors would have invested money in these schemes ahead of the March 31, 2018 deadline for sec 80C benefits.

 Fund houses would now need to deploy this money. Large amounts tend to get parked into mutual funds schemes like ULIPs and ELSS, ahead of the March 31, deadline.  There is also an incentive for mutual funds to invest, given that the benchmark indices have fallen a good 9 per cent from peak levels. Calmer on the global front Things seem to now be calmer on the global front. North Korean leader Kim Jong Un met Chinese President Xi Jinping during a four-day unofficial visit.

29 Mar 2018

QUOTES--motivational quotes --Need a quick dose of inspiration? Need a quick surge in motivation? You'll definitely find it here ...

   "Many of life's failures are people who did not realize how close they were to success when they gave up." --Thomas A. Edison
·         "The greater the artist, the greater the doubt. Perfect confidence is granted to the less talented as a consolation prize." --Robert Hughes
·         "What would you attempt to do if you knew you would not fail?" --Robert Schuller
·         "Always bear in mind that your own resolution to success is more important than any other one thing." --Abraham Lincoln
·         "Successful and unsuccessful people do not vary greatly in their abilities. They vary in their desires to reach their potential." --John Maxwell
·         "Would you like me to give you a formula for success? It's quite simple, really: Double your rate of failure. You are thinking of failure as the enemy of success. But it isn't at all. You can be discouraged by failure or you can learn from it, so go ahead and make mistakes. Make all you can. Because remember, that's where you will find success." --Thomas J. Watson
·         "Logic will get you from A to B. Imagination will take you everywhere." --Albert Einstein
·         "Success is just a war of attrition. Sure, there's an element of talent you should probably possess. But if you just stick around long enough, eventually something is going to happen." --Dax Shepard

28 Mar 2018

SHARE MARKET--What happens when you hold a stock forever?/see the magic.

 If I had the technology to send a message back in time, I would tell my father in 1980 to “Use Rs.10,000 to buy 100 shares of Wipro as an one-time investment and never sell it for the next 30-35 years.” If he had done that his investment would now be worth about Rs.535 crores. Yes, you read that right. Crores, not thousands or lakhs.

This is one of the common examples given when people come into investing in shares in India.
Lets just assume that you bought 100 shares of Wipro each at a face value of Rs.100 in the year 1980. Total investment: Rs.10,000. You don’t touch it at all, no profit booking or buying more shares. Occasionally companies provide benefits to its shareholders by way of corporate actions. They could provide bonus shares for shares that you hold, they could do a stock split where a high face value share would be broken down into smaller face value shares but number of shares increases proportionately, etc.They paid good dividend every year etc.
There have been numerous such companies that have given great returns to investors, like Reliance, Titan, Dr. Reddy Labs, etc. No one can predict which company would grow to such a huge levels before 30 years. Remember, for every Wipro like story, there are thousands of companies which has eroded investors wealth and become penny stocks. Investing in equities alone isn’t enough, investing in the right company at the right time is even more important.
Good luck-- I have in my portfolio in the following shares for minimum 10 years. genus paper and boards(RS.12/50), confidence petrolium india ltd( Rs.29/-),Jiyo ecoproducts(Rs.111/-)--interested persons try.

27 Mar 2018



Endless stretches of backwaters and palm-fringed emerald islets are the unique features of this low-lying vista in central Kerala. Vast stretches of green paddy fields criss crossed by canals and dotted by occasional islands of coconut groves, Kuttanad is the granary of Kerala where most of its rice is grown. Many parts of Kuttanad are some 4 to 10 feet below sea level. Four major rivers of Kerala, the Pamba, Achankovil, Meenachil and Manimala rivers, flow into Kuttanad. Discover the beauty of Kuttanad on a houseboat ride through the enchanting backwaters and canals of Kuttanad.
Getting there
By rail:
Alappuzha is the nearest railway station.
By air:
Cochin International Airport, about 85 km from Alappuzha, is the nearest airport.

26 Mar 2018

SHARE MARKET--5 Financial Ratios You Should Use To Become A Smart Investor + 5 shares in these category for investment.

For an average investor, analyzing financial statements could be a nightmare if one does not have basic accounting knowledge. So how can an average investor analyze financial statements of a company? This is where financial ratios come to the rescue. Financial ratios are data derived from the financial statements of a company (such as Balance Sheets, Profit and Loss Statement, and cash flow statements) and are presented as ratios, percentages and per share data. Financial ratios are easier to understand, simple to calculate and make comparisons of two companies easy.

Financial Ratios are divided in various categories such as profitability ratios, liquidity ratios, management efficiency ratios etc (To learn about types of financial ratios please read: Types of financial ratios and what they mean). Although there are many financial ratios in each category, being smart investors, you should use few, but most important financial ratios to analyze fundamentals of a company:
“Financial ratios can be an important tool for investors to measure progress of a company toward reaching their goals”
Basic EPS:
While analyzing a stock, first question you must ask is “How much does the company earn?” You can easily get that data in Company’s profit and loss statement. So why should you look at EPS and not Earnings? What Earnings data does not tell you is how much a company is earning on each share. EPS gives you the quality of earning by dividing company’s earnings on each share, a company with good earnings may be earning less on per share basis but a company with low earnings may be have high earning on per share basis.
Basic EPS is financial indicator which measures the total earning of a company on per share basis. In other words, Basic EPS measures how much the company earns on each share. It is calculated by dividing net income by total number of outstanding shares of the company. High EPS is an indication of healthy profits, a sign that company is doing well in its business. An investor should look for consistency and growth in EPS for at least 5-10 years, if the EPS growth is stagnant or is inconsistent, then you should be cautious.

25 Mar 2018

QUOTES-- motivational quotes --Need a quick dose of inspiration? Need a quick surge in motivation? You'll definitely find it here .

 ·         "All progress takes place outside the comfort zone." --Michael John Bobak
·         "You may only succeed if you desire succeeding; you may only fail if you do not mind failing." --Philippos
·         "Courage is resistance to fear, mastery of fear--not absence of fear." --Mark Twain
·         "Only put off until tomorrow what you are willing to die having left undone." --Pablo Picasso
·         "We become what we think about most of the time, and that's the strangest secret." --Earl Nightingale
·         "The only place where success comes before work is in the dictionary." --Vidal Sassoon
·         "Though no one can go back and make a brand-new start, anyone can start from now and make a brand new ending." --Carl Bard
·         "I find that when you have a real interest in life and a curious life, that sleep is not the most important thing." --Martha Stewart
·         "Twenty years from now, you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover." --Mark Twain
·         "The first step toward success is taken when you refuse to be a captive of the environment in which you first find yourself." --Mark Caine
·         "Whenever you find yourself on the side of the majority, it is time to pause and reflect." --Mark Twain
·         "The successful warrior is the average man, with laserlike focus." --Bruce Lee
·         "Keep on going, and the chances are that you will stumble on something, perhaps when you are least expecting it. I have never heard of anyone ever stumbling on something sitting down." --Charles F. Kettering
·         "If you genuinely want something, don't wait for it--teach yourself to be impatient." --Gurbaksh Chahal
·         "You can't connect the dots looking forward; you can only connect them looking backward. So you have to trust that the dots will somehow connect in your future. You have to trust in something--your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life." --Steve Jobs

24 Mar 2018

STOCK MARKET--Why do some stocks not have circuit limits (e.g. RCOM rising 32% in a day)?

Any stock which is part of the futures and options segment has no circuit limits. All others have.
It is assumed that stocks which are part of the futures and options segment are the most traded or widely researched stocks so people trading or investing in these stocks know what they are getting into.
Secondly, shorting of these stocks is possible by being in futures and options segment. So any person can create a hedge for his holding or create multiple strategies for playing on the downside right from creating naked shorts in futures or buying puts etc. So price discovery for these stocks is fair and cant be controlled by a single set of investors.
Hope I answered your query.

23 Mar 2018

SHARE MARKET--Which Indian stocks are best to buy for the next 2-3 years in 2018?

Kellton Tech is the 10-year-old company which is CMMI Level 5 Certified and deals as a next-generation technology company. It helps in shaping the customer’s digital transformation journey and revolutionizing the way they do business. They have the business in North America, Europe, and India.
It provides various services in the field of Information Technology:
Digital transformation and Connections:
Kellton Tech has rich experience in providing end-to-end digital transformation services for restructuring and remodeling business processes.
SAP solution:
Kellton Tech provides best-in-class services including implementation, upgradation, consultation, application management services, and support related to the SAP technologies.
Kellton Tech is a market leader in developing customer-centric business models through the Internet of Things, Social, Mobile, Analytics, and Cloud solutions.

22 Mar 2018


"The best time to plant a tree was 20 years ago. The second best time is now." --Chinese proverb
·         "If you set your goals ridiculously high and it's a failure, you will fail above everyone else's success." --James Cameron
·         "Success usually comes to those who are too busy to be looking for it." --Henry David Thoreau
·         "If you are not willing to risk the usual, you will have to settle for the ordinary." --Jim Rohn
·         "Stop chasing the money and start chasing the passion." --Tony Hsieh
·         "All our dreams can come true if we have the courage to pursue them." --Walt Disney
·         "If you are willing to do more than you are paid to do, eventually you will be paid to do more than you do." --Anonymous
·         "Success is walking from failure to failure with no loss of enthusiasm." --Winston Churchill
·         "Whenever you see a successful person, you only see the public glories, never the private sacrifices to reach them." --Vaibhav Shah
·         "Opportunities don't happen. You create them." --Chris Grosser

21 Mar 2018


                   JHS Svendgaard Laboratories Ltd :
JHS Svendgaard Laboratories Ltd is a leading dental and oral healthcare company. The company is involved primarily into contract manufacturing for many top brands such as Patanjali, Dabur, Himalaya, Amway and many more in the oral care space. It also manufactures its own brands Aquawhite both in toothpaste and toothbrushes, which are marketed separately as well as exported.
Reason to invest
·         JHS Svendgaard Laboratories Ltd (JHS) has transcend from loss to profit after 6 years. JHS has recovered well after its product portfolio growth with top Indian FMCG brand companies in last 2 years.
The company has reported total revenues of Rs.105.48 Cr. up by 5.39%. EBIDTA is up 68% at Rs.12.04 Cr. and the PAT at Rs.21.98 Cr.
JHS is also engaged further in aggressive capacity creation and is investing heavily in the capital equipment(s), almost to the tune of Rs.30 Cr. towards setting up additional manufacturing unit and equipment, with the objective of creating a future-ready company by July’2017.

20 Mar 2018

SHARE MARKET--Which is best sector to invest in the stock market in 2018?

The next leg of rally would be in following 5 sectors.Please go through the fundamentals and select your shares for investment.
Pic Courtesy: Google Images
1.       FMCG ( Dabur, Jyothy Laboratories, Sanwaria Consumer, Marico )
2.      Pharma ( Aurobindo Pharma, Dr Reddy, Lupin, Strides Shasun )
3.      Cement (Sanghi Industries, Shiva Cement)
4.      Agriculture and Allied industries (Drip irrigation, Rotors and Pumps Fertilizers) Kirloskar, Jain Irrigation, RCF, L, Zuari Agro, Shakti Pumps
5.      IT (companies aligned towards digital, AI and blockchain ) Kellton Technologies, Lycos Internet , Mindtree and TCS
To all of you are still bullish on Infra sector the rally to me seems over book whatever profits you have managed especially the ones that are focused towards luxury housing.
Wish you good luck.

18 Mar 2018


Cognitive psychology tells us that the unaided human mind is vulnerable to many fallacies and illusions because of its reliance on its memory for vivid anecdotes rather than systematic statistics.     
Steven Pinker
The purpose of psychology is to give us a completely different idea of the things we know best.     
Paul Valery
Psychology keeps trying to vindicate human nature. History keeps undermining the effort.
Mason Cooley
The chief difficulty for those who begin the study of scientific psychology is that all men indulge in popular psychology.     
Karl Friedrich Munzinger
A large part of the popularity and persuasiveness of psychology comes from its being a sublimated spiritualism: a secular, ostensibly scientific way of affirming the primacy of spirit over matter.     
Susan Sontag

The separation of psychology from the premises of biology is purely artificial, because the human psyche lives in indissoluble union with the body.     
Carl Jung
The brain is wider than the sky.
Emily Dickinson
Great spirits have often overcome violent opposition from mediocre minds.
Albert Einstein
The greatest discovery of my generation is that human beings can alter their lives by altering their attitudes of mind.     
William James
The happiness of of your life depends upon the quality of your thoughts.
Marcus Aurelius

17 Mar 2018


         NeoBux - highest paying for Crowdflower tasks

I came across NeoBux while searching for the site that paid the most for Crowdflower tasks.

NeoBux pays more (a lot more) for Crowdflower tasks than any other site*.

Example: the popular Casino tasks ("Answer a few questions about a website"), which pay just under 4 cents each on Swagbucks, and just under 5 cents each on CantBeatFree, pay 9 cents on Neobux (8 cents plus automatic bonus of 12% for each $1 of completed tasks).

That means if you do 15 casino tasks per day, in a month you make $16.65 (£10.60) on Swagbucks (based on Amazon vouchers), $21.82 (£13.89) on CantBeatFree (Paypal, based on being a VIP member), but with NeoBux doing those same tasks will get you $40 (£25.47) (Paypal).

There are other ways to earn on Neobux, eg. completing offers, but I focus mostly on Crowdflower tasks. I also click the ads, not because of what they pay ($0.001 per click), but because there's a chance of winning NeoPoints, which can be used to purchase a Golden membership (this increases your Crowdflower task payout by another 12%, and the click value for adverts to $0.01).

Note that some CrowdFlower tasks are not available on NeoBux, but are on other GPT sites. However, the aforementioned "Casino" tasks ARE available on NeoBux, and they alone will give you $40 a month if you do just 15 every day (I usually manage 20, sometimes a couple more than that).

16 Mar 2018

QUOTES--20 Inspirational Quotes Of Stephen Hawking Everyone Should Read

Stephen Hawking’s life is remarkable in many ways. Firstly, because he is a brilliant physicist and has made groundbreaking discoveries regarding the cosmos, black holes and other unexplored aspects of the universe we live in. Secondly, he has survived motor neurone disease (ALS) which was diagnosed when he was 21 years old. He was told he had a few years to live and now, at the age of 73, he is still alive and as mentally active as ever. He has been immobilized since his twenties and then lost the power of speech which means that he now speaks via a computerized synthesizer.
Here are some lesser known facts about Stephen Hawking you may not be aware of. He was born on Jan 8th in 1942 which was the 300th anniversary of the death of Galileo. At school, he only managed to get average grades. He was curious about how clocks worked and regularly took them to pieces but was not very good at reassembling them!
His studies at Oxford were disturbed by his rowing practice which occupied six afternoons a week. He was the coxswain who steered the boat and kept the rowers safe. The only problem was that his studies suffered and he admitted that he had to cut some corners to pass his exams!
His studies and research brought him countless and prizes. It is interesting to know that he held the Lucasian Chair of Mathematics at the University of Cambridge for 30 years. Isaac Newton held the same position way back in 1669.
Hawking’s relationship with his wife Jane is movingly portrayed in the film The Theory of Everything.   When asked what he thought of the film, Hawking replied that there was not enough science in it while his ex wife thought that there was not enough emotion.