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- Jesus answered, "The scripture says 'Man shall not live by bread alone, but by every word that proceeds from the mouth of God'."

31 Dec 2018

SHARE MARKET-• Buy Federal Bank; target of Rs 121: LKP Research

LKP Research is bullish on Federal Bank has recommended buy rating on the stock with a target price of Rs 121 in its research report dated December 24, 2018.
28 Dec, 2018 15:59


LKP Research's report on Federal Bank

Federal Bank has outgrown from the tag of old private sector bank by doing market share wins in businesses, acquiring customers rapidly, improvising processes & engagement levels with the clients, filling the service gaps, mending digital initiatives in line with private sector banks, building strong management bandwidth – to become at par with the other large private sector banks. However, this larger picture has been ignored in the chaos of NPA mess. Asset quality problems should also start to recede incrementally despite Kerala floods. In our view, once the dust settles on asset quality woes, the bank would get multiple re-rating. BUY with TP of 121, upside of 30%.


The current valuations of the bank offer decent upside. Currently, the bank is trading at 1.6x FY19e and 1.4x FY20e ABV. We give a BUY rating on the stock with the TP of 121 (discounting its FY20E ABV by 1.8x times).

30 Dec 2018

LIFE VALUES-Distinguishing Between Morality and Ethics

There is certainly a connection between morality (or morals) and ethics; dictionary definitions of one will usually reference the other.
However, there is an important distinction that needs to be considered in the debate about morals and ethics: The basis for ethics must be morals, not the other way around. Unless there is a strong and consistent moral base—founded on something substantial—ethics will be subject to convenience, vested interests and fudge factors. The underpinning for decent human conduct must be a consistent and easily understood code of morality.
The Chambers English Dictionary (1998 edition) highlights important distinctions between ethics and morals:

29 Dec 2018


Viaan Industries Ltd./(BSE listed Company and current price as on 28/12/2018 is Rs.10.90) signs strategic offline distribution deal with Chandigarh firm 
Viaan Industries Limited, formerly Hindusthan Safety Glass Industries Limited, is an India-based company, which is engaged in trading activities of consumer durable s and electronic items. Entrepreneur Raj Kundra and his celebrity wife Shilpa Shetty Kundra founded Viaan Industries Ltd in Mumbai, India. The Company has a strong and growing presence across the promising sunrise sectors of Entertainment, Gaming, Licensing & Animation. The Company’s vision is to drive a lifestyle change in masses through technology offerings. Their unique business offerings enable the stakeholders, distributors, and customers to be part of the Indian growth story.

Viaan Industries has signed a strategic distribution deal with B Square Global Inc., Chandigarh. 

Viaan Industries launched Game of Dot, a 'spot the ball' game of skill six months ago and it has organically grown month on month to become one of the top grossing real money games for the company. Game of Dot (G.O.D) is an easy to play, spot the ball game where all you have to do is register online, buy your dots package and mark the spot using your skills where you believe the ball is in the picture. Professionals judge the time-based competition and the closest dot to the judges chosen position wins. 
Viaan Industries was founded in Mumbai, India by renowned entrepreneur Raj Kundra and top celebrity Shilpa Shetty Kundra. The company has a strong and growing presence across the promising sunrise sectors of Entertainment (Gaming, Licensing, Animation), Health & Wellness

28 Dec 2018


Hi friends, please read the following heart touching quotes.

An old man took his mobile phone to a repair shop. Technician: nothing is wrong with this phone. Old man with tears in his eyes said: Then why don’t my children ever call me?

Don’t love too soon, Don’t trust too fast, Don’t judge too soon. Don’t quit too early, Don’t expect too high, Don’t talk too much.

Never regret, if it is good, it is wonderful, if it is bad, it is experience.

Standing alone is better than standing with people who hurt you.

Five rules to live a happier life have yourself, Do good, Always forgive, Harm no one, Be positive.

Work late to spend freely & work hard to live easy.

Never take permanent decisions on temporary feelings.

Lovers are fantastic, best friends are awesome. But when both are the same persons then are no words to explaining.

Waiting is a sign of true love and patience. Any one can say I love you, but not everyone can wait and prove it is true.

The most hopeful word is “tomorrow “

GOOD LUCK                                                              see you later.

27 Dec 2018

Investors: Beware of your broker

If you leave too much money lying in your trading account or hand over your securities to brokers, there is always the risk that they could use it to trade in the markets.Experts tell Sanjay Kumar Singh how investors can protect their funds and securities from misuse.ration:
Biplab Sen (name changed on request), an Odisha-based investor, is one of those who has lost money due to a Gurgaon stockbroker defaulting on payouts to clients.
Sen had the first inkling of trouble when his trading terminal stopped working early in February.
When he called up the broker, he was told there were technical problems which would be resolved soon.
Despite a long wait and repeated phone calls, the terminal did not resume functioning, and later the broker too stopped responding.
Subsequently, the Bombay Stock Exchange declared the Gurgaon broker a defaulter.
The 90 clients of this broker that Das is in touch with have lost an estimated Rs 100 million (Rs 10 crore).
Total defaults are estimated at more than Rs 1 billion (Rs 100 crore).

26 Dec 2018


When I was around 17- God showed me that the boy I was engaged to was a homosexual and that he was in danger.  He showed exactly where he was-in a house of an older man.  I was able to go there and talk to the man’s mother and prevent any other young men from going there. 
When I was 18, I heard a voice tell me I had the gift of healing.  I did got to church, but I was not involved in any ministry of healing and the church I went to did not teach the gift of healing.  I was scared and not ready (and I felt confirmation that I was not ready until later in my life) 

25 Dec 2018

STOCK MARKET--5 Tips on How to Find Multi-bagger Stocks

He has prepared a checklist of various tools or methodologies which one can adopt in choosing stocks which have the potential to become next multi-baggers:
Checklist to finding multi-bagger stocks:
(1) Debt levels should be reasonable:
Check whether the book value is growing at the same rate as the EPS. If the EPS is growing at 30% p.a. then one should look at the debt and make sure that that is not growing at more than 30% p.a.
Ensure that the balance sheet is strong and the debt is less than, say 30% of the equity.
(2) Check the quarterly performance (revenue/EBITDA):
Check the quarterly performance of revenue, EBITDA and net profit. Revenue and EBITDA are the two components which reflect clear picture of the company’s operating performance in its segment. The operating performance of a company should reflect in its multiples; if the multiples are low and the company is outperforming at operating level, then the upside for the stock would be significant.
(3) Look for source of earnings of the company:
Instead of looking at the bare earnings, look for the “sources” of earnings of the company. If you find that the potential to grow the business is huge in the segment where the company is operating, then it is better to take position now.
Don’t focus too much on whether the stock is a large cap, mid cap, small cap or micro-cap. Instead, look at the scalability of the operations.
(4) Earnings per share (EPS) and price multiples:
Pay attention to the Basic Earnings Per Share (Basic EPS) and price multiples. The prices of the stocks change on the quarterly performance of basic EPS reported by the company. Investors should calculate the Trailing Twelve Months (TTM) basic EPS and revenue to calculate current Price to EPS (P/E) and Price to Sales (P/S) respectively.
If the company has started performing significantly well and its EPS is growing better than its stock price, then one could consider it a better chance for investments.
(5) Look for cues of capex, structural change from Quarterly presentations:
Investors should read and understand the quarterly presentations uploaded by the companies on their websites. Investors would get the recent announcements related to capital expenditure, structural changes in the company, other management decisions, etc.

24 Dec 2018


1. They welcome change
Mentally tough people don't hesitate to embrace change.
They welcome it with positivity and optimism. The worst thing that can happen to you is not having any change.
Many times, change can be an opportunity to step up in life.
When you are doing the same thing over and over again, the results won't be any different. You should be willing to adapt to change with an open mind.
2. They say NO with confidence

23 Dec 2018



Hello Friends,

I have come across a company called CONFIDENCE Petroleum. The company has significant presence in the LPG/CNG Energy. The company has primarily dealing in four sectors:

1: CYLINDER MANUFACTURING (core business):

Function: From more than last two decades with cylinder manufacturing as its core activity. Launched a new type of product in the name of go gas elite.

Features of go gas elite: BLAST PROOF, LIGHT WEIGHT (about half of weight than metal cylinders) , Translucent Visibility, Elegant Design,EASY handling etc.
Major clients: PSU like Indian Oil, Hindustan petroleum, Bharat petroleum and Private players.

Capacity of manufacturing: Company has 15 manufacturing facility at various locations in India like Nagpur(4 units in this region),Mumbai, Gujrat, Hyderabad, Jalpaigudi, Baazpur, Jharkhand . Cylinder manufacturing capacity of the group is 5 million cylinders per annum

2: Auto LPG Dispensing Station (ALDS):In the name of GO Gas Auto LPG Stations
Function: Auto LPG Dispensing Station. Today GO Gas Auto LPG Stations are available in Maharashtra, Karnataka, Tamil Nadu, Telangana, Andhra Pradesh, Gujrat, Rajasthan, West Bengal, Madhya Pradesh, Uttar Pradesh

3: BOTTLING: India’s largest Private Sector LPG bottler in India.

Major clients: Actively providing Bottling assistance to Oil major PSUs Indian Oil, Bharat Petroleum, Indian oil etc.

Capacity/PLANTS: 58 POTILLING PLANTS in 19 states .

4: Packed Cylinder Division:
Franchise model: Also they are inviting people to open their own gas agency under the name of Go Gas (350 dealers available in India)
Note: Not posted anything on financials of the company as I m new in investing and researching on that front . Not invested.

Please share ur views.

If anything I have written wrong please correct me.

Thanks and regards

22 Dec 2018


Hi Friends,  Please read and enjoy each quotes.  But please read and re-read till the intent gets into your mind and heart.

1.        When you are invited, go and sit down at the lowest place, so that when your host comes, he may say to you, “Friend, move up higher” then you will be honored  in the presence of all who sit at the table with you.  2. Do to others as you would have them do to you.  3.  For each tree is known by its own fruit.  Figs are not gathered from thorns, nor are grapes picked from a bramble bush.  4. Pay attention to how you listen, for to those who have, more will be given; and from those who do not have, even what they seem to have will be taken away.  5. A soft answer turns away wrath, but a harsh word stirs up anger.  6. The tongue of the wise dispenses knowledge but the mouths of fools pour out folly.

21 Dec 2018

STOCK MARKET--Financial Ratio Analysis that Every Stock Investor Should Know:

    1. Earnings Per Share (EPS) – Increasing for last 5 years
    2. Price to Earnings Ratio (P/E) – Low compared to companies in the same industry
    3. Price to Book Ratio (P/B) – Low compared companies in the same industry
    4. Debt to Equity Ratio – Should be less than 1 (Preferably debt<0.5 or Zero-Debt)
    5. Return on Equity (ROE) – Should be greater than 20%
    6. Price to Sales Ratio (P/S) – Smaller value is preferred
    7. Current Ratio – Should be greater than 1
    8. Dividend – Increasing for the last 5 years
1.       Earnings Per Share (EPS):

20 Dec 2018

STOCK MARKET--Rico Auto Industries Ltd | Long Term Recommendation by a Broker.

Rico Auto Industries Ltd (RAIL)(price Rs.74.20) is a key manufacturer of ferrous and aluminum casting and machining components used in the automotive space. RAIL manufactures over 400 components and is the sole supplier of these for the various models across
leading automobile OEMs in the Indian and international markets. Currently, BMW, Renault, Maruti Suzuki, Hero Moto Corp and Cummins are RAIL’s marquee clients. During FY15, the company fell on rough times, mainly due to the split of the Honda-Hero Group tie-up that impacted both top line and profitability. During the past few years, RAIL transformed from a two-wheeler (2W) component manufacturer into a diversified casting and machining component provider across different sectors. It also underwent significant process restructuring that improved its profitability.

19 Dec 2018


Are you a person with a degree in finances and accounts? Are you a person with experience in stock exchange then read the following question and answers. Stock Market, Equity Market or Share Market is the aggregation of buyers and sellers of stocks (called shares) which represent ownership claims on business, stock exchanges list shares of common equity as well as other security types like corporate bonds and convertible bonds. It is an institution where humans and computers buy and sell shares of companies. In order to be apart of the stock selling or trading the foremost condition is the person should have a demat account. So grab an opportunity to work as Field Sales Manager, Executive, Management Analyst and so on by looking into Stock Market job interview question and answers given.
                   Stock Market Interview Questions
1.      Question 1. What Do You Understand By Securities Market? What Are The Different Types Of Securities Market?
Answer :
Security market is a market where securities are issued and traded. It is the market for different types of securities namely: Debt, Equity and Derivatives.
Debt market is further divided into three parts:
o    Government securities market
o    Money market
o    Corporate Debt market
Equity market is divided into two parts:
o    Primary market
o    Secondary market
Derivatives market is also divided into two parts:
o    Options market
o    Futures market
2.      Question 2. What Do You Mean By Derivatives? Give An Example.
Answer :

18 Dec 2018

STOCK MARKET--• Broker recommendation--Buy RITES; target of Rs 432{current price rs.288}

RITES Limited is a wholly owned Government Company, a Miniratna enterprise. It is a leading player in the transport consultancy and engineering sector in India with diversified services and geographical reach. Rites offers services in transport infrastructure consultancy and engineering services consisting of conducting techno-economic feasibility studies and preparation of detailed project reports, design engineering activities, procurement assistance, project management activities, quality assurance, inspection, training, construction supervision, materials system management, transaction advisory and commissioning support including operation and maintenance


Hence we believe that the Rites stock should be purchased at the current price for a price target of around Rs 432 over the next 18 months.

17 Dec 2018


                               Moving Averages

One of the widely used tools is the 200-day moving average. You simply have to plot the 200-day moving average on the price chart. When the price of the stock rises above the moving average line, it's a buy signal, and when the price falls below the moving average line, it is a sell signal. One can also look the 50-day moving average or the 10-day moving average. Trading is a game of probability. So, you have to arrive at your own methods to decide which parameters suit you the best. In the graph, Moving Averages, you can see the Sensex movement compared to the 200-day moving average of the Sensex. The brown line is the moving average line. In February, the line went above the price bars and the Sensex started falling. When the 200-day moving average fell below the price bars in April, the markets started going up. In the graphic, the Sensex is below the moving average, indicating bearishness. But this is just one parameter.

16 Dec 2018

QUOTES--Jesus’ 46 Parables in Chronological Order Christian Bible Study

15 Dec 2018



This details collected through an interview with company officials and spot company details.
Shivalik Bimetal Controls Limited is in the business of joining materials through different methods such as diffusion bonding, cladding, electron beam welding, solder re-flow and resistance welding. They can manufacture multi-gauge and multi-material strips. They primarily manufacture Shunts and Bimetals since 1985.

Thermostatic Bimetals: A strip consists of two or more layers of different alloys firmly bonded together. One layer of alloy having higher coefficient of thermal expansion compared to other layer. So when heated, alloys of different materials would expand to different lengths and would change the curvature of the strip without causing any damage to the bonding. This simple property can be used in many electrical applications where 1) Temperature Indication is needed; 2) Control of any parameter against temperature is required; 3) Where compensation in circuitry is required in adjustment to ambient temperature; 4) In application where heat is converted to mechanical energy. There are umpteen applications of Bimetals in electrical equipments like Circuit Breakers, Overload Relays, Energy Regulators, Light Flashers, Automatic Fuses, Pressure Gauges, Electric Iron, Coffee makers, Washing Machine, Baking Oven, Refrigerator, Water Heater, Fluorescent Light Starters and many similar areas. In Automotive, it’s used in Exhaust manifold Controls, Turn Indicator, Oil Pressure Gauges, Circuit Breakers, Oil Cooling Regulator etc. Quality Bimetal Strips are made of “Kanthal” Alloys and other specialized alloys as per requirement. “Kanthal” is the trademark of Iron Chromium Aluminium alloys made for wide range of Resistance and High Temperature Applications. Kanthal is the product of Sandvik group and made with specific heating technology provided by Sandvik. Shivalik has the Furnace bought from Kanthal - Sandvik which they purchased in 2010 when Sandvik sold one unit second hand. May visit 5 for more details about the product and technology. It is pertinent to note that Shivalik uses Hot Bonding Process as compared to most volume based Bimetal manufacturer who produce it by Cold Bonding Process. Advantage of Hot Bonding is long coil of material without welding and high bond integrity. Cold bonding needs subsequent sintering process to remove oxides and other impurities from metal interfaces to improve quality of bonding. It is unsuitable for critical high temperature applications.

14 Dec 2018

SHARE MARKET--7 Secrets To Day Trading Success

Why you need to know these exposed day trading secrets – every day the markets offer a multitude of opportunities to generate profits. However, only a small minority consistently manage to do so. What is this ‘in-crowd’ doing that the rest of the market is not? Perhaps they are utilising the best, but often not so well-known methods and resources. Fortunately, the day trading secrets below may reveal some of those invaluable tricks.
1. Knowledge Is Power
With instant communication, an event the other side of the world can quickly affect your market. As a result, having access to reliable news sources is more important than ever. However, some resources go above and beyond reporting breaking news. They also offer in-depth insight and commentary. All of which may enhance your ability to predict future price movement.
So, one of the best-kept secrets of day trading is Financial Juice. Once you have signed up for a free user account, live news will be audibly read out as it breaks. Making staying up to date with events that may impact your market straightforward and effortless. This all makes it one of the best day trading secrets to be revealed.
However, if you’re looking for additional commentary and insight, you may want to consider several other of the top options currently available:

13 Dec 2018

STOCK MARKET-Benjamin Graham’s seven time-tested criteria to identify strong value stocks.

           Benjamin Graham Value Stock Criteria List:


Look for a quality rating that is average or better. You don’t need to find the best quality companies–average or better is fine. Benjamin Graham recommended using Standard & Poor’s rating system and required companies to have an S&P Earnings and Dividend Rating of B or better. The S&P rating system ranges from D to A+. Stick to stocks with ratings of B+ or better, just to be on the safe side.

Benjamin Graham advised buying companies with Total Debt to Current Asset ratios of less than 1.10. In value investing it is important at all times to invest in companies with a low debt load. Total Debt to Current Asset ratios can be found in data supplied by Standard & Poor’s, Value Line, and many other services.

Check the Current Ratio (current assets divided by current liabilities) to find companies with ratios over 1.50. This is a common ratio provided by many investment services.

12 Dec 2018

e style- 8 Important Lessons Everyone Should Keep Learning For Better Lifelif

I am yet to meet anyone who wanted the best out of life but was keen to make changes. This is not to say such persons don’t exist, they do. The point here is that to get better in one area or the other in life, you need changes and there are accompanying lessons that makes it happen. Many have battled the fear of failure; others have an uphill to climb because they lack self-belief.
Irrespective of what challenges you have, these 8 important lessons for a better life could prove more helpful than you think. While it is advisable not to get wrapped up in swaddles of preconceptions and misconceptions, you need to be open-minded to receive fresh insight in any area of life and here is how you can do this;

1.       Handling Mistakes