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Lord Jesus Christ Says...

I tell you the truth, it is hard for a rich man to enter the kingdom of heaven. Again I tell you, it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of heaven. Jesus Christ

31 Jul 2018

STOCK MARKET--Why Motilal Oswal Thinks It’s A Good Time To Buy Mid- And Small-Cap Stocks


There is more margin of safety in the mid- and small-cap stocks as opposed to the large caps right now. That’s according to Manish Sonthalia, head of equities at India’s largest wealth manager Motilal Oswal AMC.
The massive buying that’s happened in the large caps means they may go through a period of time correction. The selling in mid-cap and small-cap stocks is overdone.
The S&P BSE MidCap Index has fallen 13 percent so far this year, compared with a 7.8 percent rise in the larger-sized S&P BSE Sensex. The S&P SmallCap index has fared worse, falling over 16 percent in the same period.
Sonthalia said investors should focus on building a portfolio of mid-cap or small-cap stocks with a two- to three-year perspective.
“If one needs to have a serious alpha in their portfolio, they need to be in the midcap or small cap space.”

30 Jul 2018

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


·       
  "Expecting life to treat you well because you are a good person is like expecting an angry bull not to charge because you are a vegetarian." --Shari R. Barr
·         "View your life from your funeral: Looking back at your life experiences, what have you accomplished? What would you have wanted to accomplish but didn't? What were the happy moments? What were the sad? What would you do again, and what wouldn't you do?" --Victor Frankl
·         "Far better is it to dare mighty things, to win glorious triumphs--even though checkered by failure--than to rank with those poor spirits who neither enjoy much nor suffer much, because they live in a gray twilight that knows not victory nor defeat." --Theodore Roosevelt
·         "Boredom is the feeling that everything is a waste of time ... serenity, that nothing is." --Thomas Szasz
·         "To handle yourself, use your head; to handle others, use your heart." --Eleanor Roosevelt
·         "The mediocre teacher tells. The good teacher explains. The superior teacher demonstrates. The great teacher inspires." --William Arthur Ward

29 Jul 2018

STOCK MARKET--Which are fundamentally good 2-3 stocks for long-term investments?


First of all, congratulations for a very wise decision to invest for long term. Not many have such faith and commitment,.
India is definitely a strong growth story for the next 20–30 years at least.
With majority of the young population, open and global economy, political stability, India has huge huge growth potential, definitely a great place to park your investment for long term.
Assuming the time horizon of your investment to be 3–5 years, these are the stocks that are have strong fundamentals and growth potential.
ITC:
How many times have I mentioned this stock!!!
ITC is one of the largest FMCG companies in India, which has recently surpassed HUL in terms of market capitalization.

28 Jul 2018

STOCK MARKET-- QUESTION AND ANSWERS SIMPLIFIED--


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 :
The word derivative refers to a variable which has been derived from another variable. Thus derivatives have no value of their own as they derive their value from the value of some other assets which is known as underlying asset. They are specialized contracts which signify an agreement to buy or sell the underlying asset of the derivate up to a certain time in the future at a predetermined price. The value of the contract depends on the expiry period and also on the price of the underlying asset. For example – Derivative contract on crude oil depends on the price of crude oil.
3.      Question 3. What Are The Advantages Of Derivatives?
Answer :
o    Increased hedge for investors in cash market.
o    Enhance price discovery process.
o    Increases volume of transactions.
o    Lower transaction costs.
o    Increased liquidity for investors and growth of savings flowing into these markets.
o    Leads to faster execution of trades and arbitrage and hedge against risk.
4.      Question 4. What Are The Characteristics Of Government Securities Market?
Answer :
o    It is the largest segment of debt market in India.
o    It accounts for nearly 2/3rd of the issues in primary market.
o    It accounts for nearly 4/5th of the turnover in secondary market.
o    Issues are regulated by RBI under Public Debt Act.
o    These securities are issued through an auction mechanism.
o    Perspective investors are banks, insurance companies, mutual funds, trusts, provident funds etc.
o    These instruments can be traded in WDM segment of NSE which is fully automated screen based trading system.

27 Jul 2018

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


·       
  "There is only one thing more painful than learning from experience and that is not learning from experience." --Archibald MacLeish
·         "Once you do something you love, you never have to work again." --Willie Hill
·         "Anything in life that we don't accept will simply make trouble for us until we make peace with it." --Shakti Gawain
·         "The right way is not always the popular and easy way. Standing for right when it is unpopular is a true test of moral character." --Margaret Chase Smith
·         "Persons of high self-esteem are not driven to make themselves superior to others; they do not seek to prove their value by measuring themselves against a comparative standard. Their joy is being who they are, not in being better than someone else." --Nathaniel Branden
·         "Anxiety is the dizziness of freedom." --Soren Kierkegaard
·         "Do what you have always done and you'll get what you have always got." --Sue Knight
·         "The happiness of life is made up of the little charities of a kiss or smile, a kind look, a heartfelt compliment." --Samuel Taylor Coleridge
·         "We avoid the things that we're afraid of because we think there will be dire consequences if we confront them. But the truly dire consequences in our lives come from avoiding things that we need to learn about or discover." --Shakti Gawain

26 Jul 2018

SHARE MARKETPorinju says select mid cap shares will outperform likes of TCS, HUL, Bajaj Finance significantly--


​​​After days of continued pain, even as the midcap stocks show signs of rebound, ace investor Porinju Veliyath says that select small and midcap stocks will outperform the likes of HDFC, TCS, HUL and even Bajaj

According to Porinju, this is a time for mid caps and small caps.
After days of continued pain, even as the midcap stocks show signs of rebound, ace investor Porinju Veliyath says that select small and midcap stocks will outperform the likes of HDFC, HUL and even Bajaj Finance, stocks which have been in vogue of late. According to Porinju, this is a time for mid caps and small caps. “After this big fall I think this is the most exciting time when I look back in the last five years. Now is the time to really look into and load, some of the very selective of course. I don’t want to generalise too much. Selective mid and small caps- it is a wonderful time to pick with a very high margin of safety than the top quality stocks today,” Porinju Veliyath told in an interview to CNBC TV18, adding that these stocks will outperform the likes of  HDFC, HUL & Bajaj Finance by a significant margin.

25 Jul 2018

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


·        
"Success is getting what you want. Happiness is wanting what you get." --Dale Carnegie
·         "We can have peace if we let go of wanting to change the past and wanting to control the future." --Lester Levinson
·         "We make a living by what we get; we make a life by what we give." --Winston Churchill
·         "Money doesn't bring happiness and creativity. Your creativity and happiness bring money." --Sam Rosen
·         "Happiness is the experience of loving life. Being happy is being in love with that momentary experience. And love is looking at someone or even something and seeing the absolute best in him or her or it. Love is happiness with what you see. So love and happiness really are the same thing ... just expressed differently." --Robert McPhillips
·         "Everything that irritates us about others can lead us to an understanding of ourselves." --Carl Jung

23 Jul 2018

QUOTES--Family Quotes FROM DIFFERENT AUTHORS-

Learn to enjoy every minute of your life. Be happy now. Don't wait for something outside of yourself to make you happy in the future. Think how really precious is the time you have to spend, whether it's at work or with your family. Every minute should be enjoyed and savored. Earl Nightingale


Peace is the beauty of life. It is sunshine. It is the smile of a child, the love of a mother, the joy of a father, the togetherness of a family. It is the advancement of man, the victory of a just cause, the triumph of truth. Menachem Begin


At the end of the day, life is about being happy being who you are, and I feel like we are so blessed to have the support system and the best family to really just support each other no matter what we're going through. Kim Kardashian

22 Jul 2018

STOCK MARKET--What are the top 10 shares to invest in for the short term and long term?







Presently market is in different stage which we have never seen in last 10–15 years. Difference is Nifty and sensex are near all time high and they will make new all time high in few days but portfolios are at lows. Indices are rising and stocks are falling which is unusual for us and we have never seen this in past.
Reason is only large cap stocks like Reliance, Infy, TCS, HDFC Bank, HDFC Ltd, Kotak bank etc are performing while midcaps and other indices are near 52 week lows. 40 stocks out of Nifty 50 stocks are near 52 week low or not performing. When Nifty is rising, only few stocks are rising but when nifty is just correcting few points, mid caps, small caps and other sectors are falling like anything.

18 Jul 2018

SHARE MARKET--Stock Market Interview Questions & Answers for information.



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 :
The word derivative refers to a variable which has been derived from another variable. Thus derivatives have no value of their own as they derive their value from the value of some other assets which is known as underlying asset. They are specialized contracts which signify an agreement to buy or sell the underlying asset of the derivate up to a certain time in the future at a predetermined price. The value of the contract depends on the expiry period and also on the price of the underlying asset. For example – Derivative contract on crude oil depends on the price of crude oil.
3.      Question 3. What Are The Advantages Of Derivatives?
Answer :

17 Jul 2018

Success mantra!--IAS first ranker Divyadharshini shares her success mantra!


IN her first attempt, this 24-year old law graduate from the School of Excellence in Law, Chennai couldn't clear the UPSC Civil Services Preliminary but in her second attempt, she emerged the first ranker! Daughter of V Shanmugam, a customs consultant and homemaker S. Padmavathy, Divyadharshini was working at SBI for the past six months. She shares her journey.  


Name
: Divyadharshini Shanmugam
Rank:  1
Exam: Civil Service Exam 2010

Q.How did you hear the good news?   
A.I was in office when the results were declared, and a friend informed me of the results. It came as a shock! At first I did not believe but it but confirmed it through my brother. It took a while to realise that it was not a dream.

Q.Who is the inspiration behind your success?
A. My mentor Prabhakaran sir (Director of Prabhas IAS Academy) and my parents. All have given me ample confidence, motivation and have placed belief in me.

16 Jul 2018

SHARE MARKET--What are the fundamentally good stocks for long run?



1. Maruti Suzuki (HC - High Conviction) - Value Migration from 2 wheelers to 4 wheelers.

2. HDFC Bank (HC) - Value Migration from Public Sector Banks to Private Sector Banks.
3. Kotak Mahindra (HC) - Value Migration from Public Sector Banks to Private Sector Banks.
4. United Spirits - Addiction to alcohol and more young population is there in India.
5. Kajaria Ceramics - Market leader and boom in housing.
6. Pidilite Industries - Market leader and boom in housing.
7. Symphony - Consumer facing company.
8. Bluestar - Consumer facing company.

15 Jul 2018

Interviews-- TOP 19 Tricky Questions asked in IAS Exam and UPSC Interview



TOP 19 Tricky Questions asked in IAS Exam AND UPSC INTERVIEW
This is the list of Top Tricky Questions asked in IAS Exam during the time of Interviews. These questions are asked by many aspirants and candidates. Must read and get some idea.
·         QUESTION 1: If I go away with your sister, what would you do?
·         ANSWER:  For my sister, I cannot find as the right bridesmaid as you.
·         QUESTION 2: Adarsh and Anupam two twins born in May, but their birthday is in June | How is that possible?
·         ANSWER: May is a place name.
·         QUESTION 3: If you got up in the morning and will come to know that you are pregnant then what will you do first?
·         ANSWER: I’ll be euphoric and to go first foremost husband will share this news.

14 Jul 2018

SHARE MARKET-- Which are some undervalued multibagger stocks to buy in July 2018?



A common dream of our society is how to become rich. Sincere persons set a target to be achieved in upcoming 20 years. I am 28 years old and have set up a target to earn Rs. 5 crore INR in the next 22 years with a lump sum investment of Rs. 7 lack. To achieve the target I need to invest in such companies which yield 22% CAGR. Before investing one should be done the fundamental analysis of the companies. One should be sure whether the company will be able to give that huge return in long-term perspective. There are many points to check on the basis of which you can make an investment in various companies like Debt: Net Worth ratio,Compounded sales Growth,Profit after Tax (PAT) growth, Return on Equity etc.
Pidilite Industries- Incorporated in the year 1969. It is a Large Cap company (having a market cap of Rs 54383.95 Crore) operates in the Chemicals sector. Pidilite Industries is an Indian-based adhesive manufacturing company. It also sells art material, construction chemicals, and other industrial chemicals. Pidilite produces some famous products like“Fevicol”, "Fevikwik", “Dr.Fixit”, “M-seal”, “Roff”, “Cyclo”, “Hobby Ideas”, “Acron”, and “Ranipal”. Here is the detailed fundamental analysis of Pidilite Industries.

13 Jul 2018

GENERAL KNOWLEDGE-- BANK PO, IBPS, UNION PUBLIC SERVICE ETC-


GST - Expected Questions on Goods & Services Tax (GST Bill) l MCQ for upsc ssc bank railway
GST - Expected Questions on Goods & Services Tax (GST Bill) l MCQ for upsc ssc bank railway.

Hello Readers, In this post we are sharing MCQs on Goods and Services Tax (GST) -2. These all Important MCQ related to GST most important for UPSC, CGL, SSC, RAILWAYS ,PSUs and all state level competitive Exams.

Q.1. The Number of Digits in the PAN based GSTIN registration Number will be:
(A) 10 Digits
(B) 12 Digits
(C) 14 Digits
(D) 15 Digits


Q.2. The Issuance of the Invoice or Receipt of Payment is known as :
(A) Actual Tax Point
(B) Basic Tax Point
(C) Either of the above
(D) None of the Above

Q.3. What will be the Amount of TDS in GST?
(A) Full Tax Amount
(B) SGST Tax Only
(C) CGST Tax Only
(D) 1% of the Payment

Q.4. The Tax Collected by E-Commerce Operators from the actual Suppliers of Goods is
termed as:
(A) TDS
(B) TCS
(C) Service tax
(D) All of the Above

Q.5. The filing of Monthly Returns in GST will be:
(A) At a stretch
(B) Two Phases
(C) Three Phases
(D) Four Phases

Q.6. The number of Return to be filed by a Casual Trader
(A) GSTR-1 Only
(B) GSTR-2 Only
(C) Both GSTR-1 and 2
(D) GSTR-1, 2, and 3

Q.7. The basic nature of assessment in GST will be:
(A) Self assessment
(B) Provisional Assessment
(C) Best Judgment Assessment
(D) Protective Assessment

Q.8. The Special Audit report is to be submitted normally within a period of :
(A) 30 days
(B) 60 days
(C) 90 Days
(D) 180 days

Q.9. What is a serious case in GST?
(A) Disputed Tax of and above 25 Lakhs
(B) Disputed Tax of and above 50 Lakhs
(C) Disputed Tax of and above 25 Crores
(D) Disputed Tax of and above 25 Crores

Q.10. Who will be the final fact finding authority in a tax case?
(A) FAA
(B) Tribunal
(C) HC
(D) SC


Answer Key:
1. d
2. a
3. d
4. b
5. c
6. d
7. a
8. c
9. c
10. b


10 Very Important GK Questions for Must for Every Competitive Exams
Q.No. 1. What is the full form of term 'GST'- Good and Services Tax


Q.No. 2. The GST is proposed to be implemented simultaneously in the whole of India by the Central Government- 1st July 2017

Q. No. 3. Who is the new chairperson of the State Bank of India (SBI) - Arundhati Bhattacharya

Q. No. 4. Who is the first woman to be appointed Chairman of the State Bank of India (SBI) - Arundhati Bhattacharya

Q. No. 5. Institute of Banking Personnel Selection (IBPS) founded in - 1975

Q. No. 6. Often we keep reading about 'JIO' in newspapers, what it is - LTE mobile network operator

Q. No. 7. In mobile technology term '4G' stand for - a mobile communications standard/fourth generation of mobile phone

12 Jul 2018

SHARE MARKET--What is the best stock of the IT sector for a long-term investment in India?


     KELLTON TECH SOLUTIONS LTD 

ABOUT-:
Incorporated in 1993 as VMF Soft Tech, Kellton Tech Solutions (KTS) is a CMMi Level 5 and ISO 9001:2008 certified global leader in digital transformation, propelling businesses into their future by transforming the way they operate.
The US-based serial entrepreneurs Niranjan Chintam and Krishna Chintam took over city-based VMF Soft Tech Ltd. in 2009 and renamed it to Kellton Tech.
Kellton Tech has, since then, expanded their business portfolio following an organic and inorganic path by making acquisitions in the US and India
Kellton Tech Solutions Ltd. (KTSL) an an Indian information technology and outsourcing company headquartered in Hyderabad, India with offices in United States and Europe.The company reported net revenues of 7.8 billion and has more than 1400 employees with 350 clients with around 278 in USA, 6 in EU, 58 in India and rest in others spread across verticals such as BFSI, travel, e-commerce, manufacturing, logistics, healthcare and others.

11 Jul 2018

QUOTES--Happily Positive Thoughts for the Day



25. It’s exhausting to fight a war inside your head every single day.

.26. If you want to achieve greatness stop asking for permission.
27. There are only two ways to live your life. One is as though nothing is a miracle.
28. I haven’t failed. I’ve just found 10,000 ways that won’t work.
29. It is not the strongest of the species that survives, nor the most intelligent…
30. Your attitude, not your aptitude, determines your altitude.
31. Life isn’t about falling it’s about getting back up every time you fall.
.32. Thank you for helping me build my life.

10 Jul 2018

STOCK MARKET-- What are some good stocks to invest in right now?


Hello traders and investors. This is an answer from the research of a well equipped and experienced analysts, who have helped and guided their clients to generate wealth in both intraday and long term. Cont details are in profile.
So, best stocks to invest in for a time period of 2–4 years, considering all the parameters such as value investors choose these two tools to select stocks for investment price to earning ratio and price to book value ratio.
But, remember low EPS (price to earning ratio) doesn't means that the stock is worth investing. Infact it could be a price trap. So, instead of detailing the fundamentals we would simply list the stocks and their future prospect.
1.       Pharma Sector:- Sunpharma, the only stock in the pharmaceutical sector that looks promising. Returns are not not expected to be

9 Jul 2018

QUOTES--wonders Quotes