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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 Mar 2019


                                NATIONAL ALUMINIUM COMPANY LTD.
 See and read the forum clients remarks on NALCO  on 31/3/2019. US China trade talk very positive statement is come out from both countries.. Final & positive result will come next week.. Next meeting date 3rd april... In this very positive note Monday ll show all metal sector. Minimum 10-12% upside in hindalco within 2-3days.massive upside is pending in metal stock. Hold long & buy for great returns.

Following the optimism of US-China talks, metal counters have shown some handsome gains with Nifty Metal jumping over 2 percent led by gains from Jindal Steel & Power which jumped close to 10 percent after spurt in volume by more than 2.87 times. This was followed by Hindalco Industries, JSW Steel, NALCO, SAIL and Tata Steel.

NALCO keen on Jerrela block of bauxite mines. The two mines are estimated to have 70 to 80 million tonne of reserves. NALCO Chairman and Mag Director T.K. Chand told The Hindu that they had requested the Centre to allot them Jerrela block. The block has huge reserves of high-grade bauxite ore. The company is all set to increase its net profit to the level of ₹1,700 crore during current financial year ending on March 31. During the next two years, its business plan speaks of taking the level of net profit to more than ₹2,000 crore 

Following the optimism of US-China talks, metal counters have shown some handsome gains with Nifty Metal jumping over 2 percent led by gains from Jindal Steel & Power which jumped close to 10 percent after spurt in volume by more than 2.87 times. This was followed by Hindalco Industries, JSW Steel, NALCO, SAIL and Tata Steel. The S&P BSE Metal also added couple of precent led by JSPL, SAIL, NALCO, NMDC, Vedanta, Tata Steel, JSW Steel, Hindalco and Hindustan Zinc.

30 Mar 2019

SHARE MARKET--A PROMISING BANK FOR LONG TERM--Buy IDFC First Bank; target of Rs 57: Prabhudas Lilladher

Prabhudas Lilladher is bullish on IDFC First Bank has recommended buy rating on the stock with a target price of Rs 57 in its research report dated February 06, 2019.
Broker Research

Prabhudas Lilladher's research report on IDFC First Bank

IDFCFB's financial performance post-merger saw hit on earnings on back of creation of goodwill from merger, adjusting to the one-time exceptional item PAT was Rs1.53bn. Operationally, margins saw improvement benefitting from erstwhile CAFL's high yielding book but cost of funding was slightly up on back of shoring of deposits. Combined loan assets stood at Rs1046.6bn with retail assets share at 35% and non-retail assets at 54% with growth in focus segments of retail & corporate and drawing down infra loan assets. Bank's loan book with retail loans mix will likely increase to ~50% in next 3 years and 70% in 5-6 years and only selective bets in corporate loans. Bank will see strong shore up in deposits from increased network presence and existing retail franchise with high focus on retail deposits which will also bring down C-D ratio to sustainable levels and lower high cost borrowing.

29 Mar 2019


One of the first miracles in my life was when I was just 11 year's old, when 
my mother picked me up from school, my father was with her. My mother was 
crying a little, so I asked her why?  She then told me that she had terminal
 cancer.  What is cancer, I said she then told me.  Watching her go down hill
 for the first six months, she began teaching me how to get my younger sister's 
ready for school, guided me in how to cook for the family.  We all would gather
 around and pray each night for a miracle. My mother was searching to find 
someone to come and anoint her.  She found that church, and they came out
 and anointed her. Each day she began getting better and better.  Well, that 
was 50 years ago and she's still telling me what to do! 

28 Mar 2019

STOCK MARKET--Benjamin Graham’s Seven Criteria for Picking Value Stocks Iin India--

Below are 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.
Criteria four is simple: Find companies with positive earnings per share growth during the past five years with no earnings deficits. Earnings need to be higher in the most recent year than five years ago. Avoiding companies with earnings deficits during the past five years will help you stay clear of high-risk companies.
Invest in companies with price to earnings per share (P/E) ratios of 9.0 or less. Look for companies that are selling at bargain prices. Finding companies with low P/Es usually eliminates high growth companies, which should be evaluated using growth investing techniques.

27 Mar 2019


            KMC Speciality Hospitals (India) Limited 

is a healthcare services and pharmacy company. The Company is engaged in providing medical and healthcare services. It offers a range of services through its departments and care centers, which include Cardiac Science, which treats the disorders of the heart, including diagnosis and treatment of congenital heart irregularities, coronary artery diseases, heart failure and valvular heart diseases, and electrophysiology; Gastroenterology, which provides intestinal medicine and surgery that includes transplants; Geriatrics, which provides treatment for social and psychological problems along with age related medical problems; Nephrology and Urology Science, which provides total renal care to the patient; Orthopedics, which provides treatment for different parts of the musculoskeletal system, the bones, joints, muscles, tendons and ligaments, and Pediatrics, which provides total care and revival to neonates, babies, toddlers and children. current price is 15.70 debt free coy. promotor holding is 75%. Expect good capital appreciation.

26 Mar 2019


Keep on loving one another as Christian brothers.  Remember to welcome strangers in your homes.  There were some who  did that and welcomed angels without knowing it.  Remember those who are in prison as though you were in prison with them.  Remember those who are suffering , as though you were suffering as they are.  Marriage is to be honoured by all, and husbands and wives must be faithful to each other.  God will judge those who are immoral and those who commit adultery.  Keep your lives free from the love of money, and be satisfied with what you have.  For God has said, “ I will never leave you; I will never abandon you.” Let us be bold, then, and say,  “The Lord is my helper,  I will not be afraid.  What can anyone do to me? “                    (Bible)

Read through these Inspirational Christian quotes today and add some of your favorites to the comments.  This list will include Christian quotes about hope, love, obedience, God, life and much more. The quotes come from C.S. Lewis, The Holy Bible and other famous Christians. Enjoy!

God loves each of us as if there were only one of us”- Augustine

He is no fool who gives what he cannot keep, to gain what he cannot lose. ~ Jim Elliot

“The will of God will not take us where the grace of God cannot sustain us.”― Billy Graham

“I used to ask God to help me. Then I asked if I might help Him. I ended up by asking 

God to do His work though me.” – Hudson Taylor

If God is your partner, make your plans BIG!- D.L. Moody

25 Mar 2019


Hi Friends,    Please read the following positive,  inspirational and funny quotes.

When I am SINGLE,  all I see are couples being happy.  When I am DATING someone, all I see are singles being happy.

I hate it when couples have a little fight and then change their Face Book status to single.   I fight with my parents, and don’t change my status to orphan.

My Mom said follow your dreams, so I went back to bed.

The difference between school and life:  In school, you are taught a lesson and then given a test.  In life, you are given a test that teaches you a lesson.

My brain is like the Bermuda Triangle.  Information goes in and then it is never found again.
It is funny how when I am loud, people tell me to be quiet, but when I am quiet, people ask me what is wrong with me.

Don’t break anybody’s heart, they have only one.  Break their bones, they have 206.

Marriage is a relationship in which one is always right and the other is the  husband.

Yellow, Blue, Orange,  Black and Green .   Purple Yellow Red  Orange Green Black Blue Red Purple Green Blue  Orange.

I gave my father Rs.1000 /- and said , buy yourself something that will make your life easier.  So he went out and bought a present for my mother.

Always borrow money from a pessimist.  He won’t expect it back.

Three most difficult things to do in the world.:  1. You can’t count your hair.  2.  You can’t wash your eyes  with soap.  3.  You can’t breathe when your tongue is out.   Now please put your tongue back inside.

24 Mar 2019

STOCK MARKET--Multibagger Stocks For 2019/read and try it--

Textile Sector On An Upswing
The textile sector of India is one of the oldest sectors of the economy. The sector has witnessed a hard time post demonetization and GST transition phases. However, post enough correction in the stocks, sector seems to be much more attractive. With the government's supportive policies and favourable demand scenario, the sector is expected to create many multibaggers. Here are some of the key pointer which could emerge this sector as a gem.
1. The rising domestic demand environment remains one of the key factors for the robust future of the textile sector. The Strong rise in the private consumption expenditure would aid the industry in FY19.
2. An 11% increase in cotton crop production coupled with the rising acreage at 19% is expected to moderate the cotton prices in the upcoming year. In the near terms, the industry has faced cotton pricing hurdles due to pink bollworm issue. The softening of cotton prices would ultimately aid the operating margins.
3. The government of India has raised the basic customs duty from 10 to 20% on almost 500+ textile products. The move is expected to boost Make in India and indigenous production.
4. Textile exports are also expected to see a robust growth in the upcoming years. The rupees depreciation remains the key reason behind the export growth. Moreover, the government's progressive policies to promote exports are expected to bode well ahead.
Stocks to watch - GHCLVardhman Textiles
Why GHCL And Vardhman Textiles?
1) Key Highlights
GHCLs Q3FY19 revenue grew 21% yoy to Rs8.70bn (Emkay estimate: Rs8.06bn), driven by 11.5% yoy growth in Soda-ash and 42% yoy growth in the Textile segment which was largely driven by capacity expansion and realization improvement in the spinning business. EBITDA stood at Rs2.05bn, up 49% yoy on stable performance in the Soda-Ash segment and the Textile segments turnaround. EBITDA margin expanded 439bps yoy to 23.6%, driven by a price hike in Soda-Ash and better utilization in Textiles. PAT rose 44% yoy to Rs1.02bn. Interest cost stood at Rs272mn, down 21% qoq and 3.4% yoy, while depreciation increased 14% yoy to Rs289mn due to the commissioning of newer capacities. The silver linings during the quarter were the sequential turnaround in Home Textiles EBITDA, stable Soda-ash pricing outlook, and tight soda-ash supply situation globally.
2) Inorganic Chemicals realization and growth outlook remains firm
Inorganic Chemicals business revenue grew 11.5% yoy to Rs5.48bn, driven by better realizations. Volumes were down 1% yoy to 2.30 lakh MT, while overall realization increased 13% yoy and 8% qoq on a price hike. The next round of capacity addition in Soda ash should come at the end of Q4FY19. We expect Soda-ash revenue to grow 10% yoy and 7% yoy in FY20/FY21E.

23 Mar 2019

QUOTES--EMOTION SAYINGS AND QUOTES for reading and enjoyment-

Below you will find our collection of inspirational, wise, and humorous old emotion quotes, emotion sayings, and emotion proverbs, collected over the years from a variety of sources.
The best and most beautiful things in the world cannot be seen or even touched. They must be felt with the heart.
Helen Keller
I don't want to be at the mercy of my emotions. I want to use them, to enjoy them, and to dominate them.
Oscar Wilde
One thing you can't hide - is when you're crippled inside.
John Lennon
Your emotions are the slaves to your thoughts, and you are the slave to your emotions.
Elizabeth Gilbert
The world is a tragedy to those who feel, but a comedy to those who think.
Horace Walpole
We all live at the mercy of our emotions. Our emotions influence and shape our desires, thoughts and behaviors and above all our destiny.
Dr T.P.Chia
Never apologize for being sensitive or emotional. It's a sign that you have a big heart, and that you aren't afraid to let others see it. Showing your emotions is a sign of strength.
Brigitte Nicole
I have learned now that while those who speak about one's miseries usually hurt, those who keep silence hurt more.
C.S. Lewis

22 Mar 2019


91. NAV: Net Asset Value
92. NBFCs: Non-banking Finance Companies
93. NCAER: National Council of Applied Economic Research
94. NDC: National Development Council
95. NDDB: National Dairy Development Board
96. NDP: Net Domestic Product
97. NELP: New Exploration Licensing Policy
98. NGOs: Non-Government Organizations
99. NHAI: National Highway Authority of India Ltd.
100. NHB: National Housing Bank
101. NHPC: National Hydel Power Corporation
102. NLM: National Literacy Mission
103. NPAs: Non-performing Assets
104. NREP: National Rural Employment Programme
105. NREGS: National Rural Employment Guarantee Scheme
106. NSIC: National Small-scale Industries Corporation
107. NSSO: National Sample Survey Organization
108. OCBs: Overseas Corporation Bodies
109. OECD: Organization for Economic Cooperation and Development
110. OPEC: Organization of Petroleum Exporting Countries
111. OTCEI: Over the Counter Exchange of India
112. PBT: Profit Before Tax
113. PDS: Public Distribution System
114. PFC: Power Finance Corporation
115. PHDCCI: Punjab, Haryana and Delhi Chamber of Commerce and Industry

21 Mar 2019

STOCK MARKET--Which stock is safe and good to buy which will give 15-20% in 1 year?

Looking at the current market scenario, You can invest in
1. Ashok Leyland,
2. Mahindra & Mahindra,
3. First source solutions limited,
4. KPIT technologies Limited,
5. Tata Consultancy Services Limited,
6. Radico Khaitan,
7. Larsen and tourbo Limited,
8. Jubiliant Foodwork
9. ITC

20 Mar 2019

LIFE- Five websites you MUST check every day These sites will teach you something new and useful in less than 30 minutes

 Often, the big World Wide Web enchants us into unchartered domains.
More often than not, we end up on sites we did not intend to visit in the first place and then lose track of time.
We lose track of time jumping from one Facebook post to another. If that ever happens to you, know that you are not alone.
Almost all of us have been a victim of this phenomenon at some time.
While web-surfing has its fair share of advantages and disadvantages, it is very likely for one to digress from their original intention and end up wasting precious time.
If you can relate to this, then this article is for you.
Here's a list of websites that can teach you something useful in less than 30 minutes.

19 Mar 2019

STOCK MARKET--Sensex, SS2 and Modi. Are all three winners?/Read and understand.

Normally, the stock market gets nervous whenever there is a war-like situation. But not this time. More stocks have advanced as compared to the declining stocks since 14th Feb when the Fedayeen attack on CRPF in Pulwama killed 40 jawans. From BSE 500, only 83 stocks are trading at levels lower than those on 14th Feb. How one can explain this movement?

Normally, the stock market gets nervous whenever there is a war-like situation. But not this time. More stocks have advanced as compared to the declining stocks since 14th Feb when the Fedayeen attack on CRPF in Pulwama killed 40 jawans. From BSE 500, only 83 stocks are trading at levels lower than those on 14th Feb. How one can explain this movement?
Likely strong mandate for Modi
The stock market was fearing a fractured mandate in the coming general elections. That’s what pre-election surveys suggested. The market was concerned that a coalition government may not be able to push reforms, impacting long-term growth trajectory of the economy.
After the Pulwama attack, the way Modi government handled the situation suggests that Modi’s popularity is on the rise again. People now believe that the Modi government is walking the talk. It was the first time in many decades that Indian planes went inside Pakistan to carry out Surgical Strike 2 (SS2) on the terrorist camp. This has improved the sentiments as it showed that India is a strong country which would give a befitting reply to the terrorists’ dastardly attacks on Indian soil and that it is no longer a sitting duck.

18 Mar 2019


As your body clock strikes 60, a brand new phase of your life begins.
The monotony of work and the paucity of time completely vanish. Instead, what you are left with is a better understanding and a greater experience of how the world truly functions. In order to adapt to these changing realities, keeping yourself fit and agile and financially independent is highly essential.
The good news is that the Indian Government can help you throughout this extremely crucial stage. It has designed multiple strategies to provide you with a huge variety of benefits that can make your life much easier and simpler.
Here are a few perks and privileges that you can avail once you cross the threshold of middle-age and step into the cherished category of senior citizenship:
Financial Benefits

For the purpose of filing income tax returns, the IT department classifies elderly people into two categories:
-Above 60 - Senior Citizens
- Above 80 - Very Senior Citizens
In case of senior citizens, an income up to Rs. 3,00,000 is tax exempt. Anything above this amount would be taxed at standard rates, i.e., Rs. 3-5 lakh - 10%, Rs. 5-10 lakh - 20%, and Rs. 10 lakh and above - 30%. However, in case of very senior citizens, the exemption limit has been relaxed further. They don't have to pay any tax for an income up to Rs. 5,00,000.
Social Benefits

17 Mar 2019

Economic abbrevations / full form of abbeviations in banking and Economics/ read and syudy it

Here is the selective and important economics and banking Abbreviations for Bank Exams. These abbreviations have been asked in competitive exams and there are chances to ask again in competitive exams. So these abbreviations are for your practice. 
Important Economics Abbreviations

1.ABD: Asian Development Bank
2. ADR: American Depository Receipts
3. AGMARK: Agricultural Marketing Department
4. AITUC: All-India Trade Union Congress
5. AMCs: Asset Management Companies
6. APM: Administered Pricing Mechanism
7. ARF: Asset Reconstruction Fund
8. ASSOCHAM: Associated Chamber of Commerce and Industry
9. BIFR: Board of Industrial and Financial Reconstruction
10. BIMARU states: Bihar, Madhya Pradesh, Rajasthan and UP
11. BOP: Balance of Payment
12. BPL: Below Poverty Line
13. BSE: Bombay Stock Exchange
14. CAC: Capital Account Convertibility
15. CAD: Current Account Deficit
16. CAG: Comptroller and Auditor General
17. CBR: Crude Birth Rate
18. CCBs: Central Cooperative Banks
19. CII: Confederation of Indian Industry
20. CIS: Commonwealth of Independent States
21. CMIE:  Centre for Monitoring Indian Economy
22. COFEPOSA: Conservation of Foreign Exchange and Prevention of Smuggling Activities

15 Mar 2019


1.      Prioritize God in your schedule. Make time for God. Spend daily time in the Word. Even Jesus prioritized spending time with God. “Immediately Jesus made his disciples get into the boat and go on ahead of him to Bethsaida, while he dismissed the crowd. After leaving them, he went up on a mountainside to pray.” Mark 6:45-46.
2.      Preach the gospel to YOURSELF. As humans, we are forgetful and need to hear the gospel over and over again. Share the gospel with yourself as you drive in the car or in the mirror as you get ready in the morning. The more you repeat the redeeming story of Christ, the more the story will be ingrained into your mind.
3.      Find a new devotional book. It is important to connect with others and read scripture together. Can you think of a friend who would love to start a new devotional book with you?

14 Mar 2019

SHARE MARKET--What is the best investing advice you have received?

I was like everyone investing in small saving funds since I was too busy at my work (excuse!!!!). I always wanted to be unique in everything I do. Finding no time I started my first investment into buying a flat when I was 23. Banks rejected my loan application since I was very young. My dad signed the agreement to get me a loan.
I started paying my EMi and added another one. I repaid the emi for 7 years and I realized I did not earn any on the investment.
I then met with a group of people who were in real estate and making good returns. They quit their job and were literally enjoying their life. I was little surprised but finally I understood the secret of investment.
There is something like pre pre launch offer in property investment. This means you would be part of land that is offered to the builder for development after 4 years. These guys were pooling land and were offering this to builders and are getting the land owner share of flats. They either sell these or hold for rental income

13 Mar 2019

FINANCIAL MANAGEMENT--List of Important Abbreviations used in Banking Industry/read and study-

Banking and Financial Abbreviations are commonly asked all banking and related exams like SBI PO, IBPS PO/Clerk, IBPS RRB, RBI Grade B/Assistant, IPPB, LIC, UIIC, OICL, NICL, NIACL, etc.
We are sharing a list of important Abbreviations which will be useful for the upcoming Exams.

List of Important Abbreviations used in Banking and Finance Industry:
Full Form
Aadhaar Payment Bridge System
Automated Clearing System
Automated Data Flow
Aadhaar Enabled Payments Switch
Asset Liability Management
Anti-Money Laundering
Audit and Risk Monitoring Mechanism
Adjusted Net Bank Credit
Aadhaar Payment Bridge System
Asset Reconstruction Companies
Applications Supported Bank Accounts
Associated Chambers of Commerce and Industry of India
Automated Teller Machine
Basel Committee on Banking Supervision
Bharat Broadband Network Limited
Bharat Bill Payment System
Bharat Bill Payment Central Unit
Bharat Bill Payment Operating Unit
Business Correspondent
Basel Committee on Banking Supervision
Banking Codes and Standards Board of India
Bharat Interface for Money
Bank for International Settlements
Bill of Exchange
Balance of Payments
Basic Savings Bank Deposit Account
Basic Statistical Returns
Current Account Deficit
Capital Adequacy Ratio
Credit Analysis and Research Limited
Current and Savings Accounts
Collateralized Bank Lending Obligations
Core Banking Solution
Cash Credit Limit
Corporate Debt Restructuring
Credit Default Swap
Clearing House Interface
Credit Information Bureau of India Limited
Card Not Present transaction
Consumer Price Index
Capital To Risk Weighted Asset Ratio
Credit Rating Information Services Of India
Cash Reserve Ratio
Corporate Social Responsibility
Card Verification Value
Debt Recovery Appellate Tribunal
Differential Rate Of Interest
Double Taxation Avoidance Agreement
External Commercial Borrowings
Electronic Clearing System
Express Cheque Clearing System
Export Development Fund
Electronic Data Interchange
Exchange Earners’ Foreign Currency
Electronic Funds Transfer At Point Of Sale
Equity Linked Saving Scheme
Equated Monthly Instalments