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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'."

30 Apr 2019

STOCK MARKET--The 8 Reasons People LOSE Money

1. You don’t understand how the stock market works.
Why walk when you can run?
If that’s your mentality, chances are that you never bothered to learn how the stock market really works, before you started trading.
How’s that working out for you?
Chances are, you’re losing more than you’re making.
Listen, I’m all for diving in and going for it. It’s important to have that bravery and, to a certain degree, that type of bravado.
But, if you really want to make consistent money in the stock market, you’re going to have to invest more time in learning stock trading rules, like these, before you’re going to see reliable returns. Take the time to learn how to trade stocks.
·         Learn about penny stocks.
·         Read all that you can.
All of the knowledge that you absorb will make you a better trader.
2. You don’t save.

29 Apr 2019

QUOTES--Some Quotes on Laziness/ read and enjoy.




28 Apr 2019

STOCK MARKET--How to do fundamental analysis on stocks?/read and understand.

Bottom of Form

How to do Fundamental Analysis on Stocks?
How to do fundamental analysis on stocks? Fundamental analysis of a stock is used to determine the health of a company. It’s recommended to do a proper fundamental analysis of the stock before investing if you are planning for long term investment.
Technical analysis is good to find the entry and exit time in a stock for Intraday or short term. You can book good profits using different technical indicators.
However, if you want to find a multi bagger stock to invest, then the fundamental analysis is the best tool that you can utilise.
To get multiple times return, you need to remain invested in a stock for long term. While the technical indicators will show you exit signs on short term downtrends, however you can remain invested in that stock if the company is fundamentally strong.
In such cases, you will be confident that the stock will grow and give good returns in the future. Short-term market fluctuations, external factors or mis-happenings won’t affect the fundamentals of the strong company in long term.
In this post, I am going to explain how to do fundamental analysis on stocks. Here, I will ellaborate few guidelines that if you follow with discipline, you can easily select fundamentally strong companies.

27 Apr 2019

QUOTES--31 Incredibly Sad Quotes That Will Give You Feelings

Sometimes you just want to feel the feels, embrace the saddness and just go with it. Below you will find the 20 saddest quotes that will make you cry found in YA books. Some of these quotes are sad because, well, they are just sad, but some of these are sad because you probably read the book and you know exactly which moment this quote comes from and now you’re sad thinking about it.
Don’t forget to have your Use In Case of Feels tissues nearby when reading through this list!

“Depression is like a heaviness that you can’t ever escape. It crushes down on you, making even the smallest things like tying your shoes or chewing on toast seem like a twenty-mile hike uphill. Depression is a part of you; it’s in your bones and your blood.”
― Jasmine Warga, My Heart and Other Black Holes

“I wanted to kill someone and I wanted to die and I wanted to run as far and as fast as I could because she was never coming back. She had fallen off the face of the earth and she was never coming back.”
― Melissa Kantor, Maybe One Day

“There’s death all around us. Everywhere we look. 1.8 people kill themselves every second. We just don’t pay attention. Until we do.”
― Cynthia Hand, The Last Time We Say Goodbye

“I guess that’s what saying good-bye is always like–like jumping off an edge. The worst part is making the choice to do it. Once you’re in the air, there’s nothing you can do but let go.”

― Lauren Oliver, Before I Fall

26 Apr 2019

STOCK MARKET--India Ratings Revises Granules India’s Outlook to Stable; Affirms ‘IND A+’

Instrument Type
Date of Issuance
Coupon Rate
Maturity Date
Size of Issue (million)
Rating Action
Term loans
July 2025
INR5,912.5 (increased from INR5,500)
IND A+/Stable
Affirmed; Outlook revised to Stable from Positive
Fund-based working capital limits

INR6,720 (increased from INR5,760)
IND A+/Stable/IND A1+
Affirmed; Outlook revised to Stable from Positive
Non-fund-based working capital limits

INR1,470 (increased from INR1,200)
Proposed fund-based working capital limits*

Provisional IND A+/Stable/Provisional IND A1+
Proposed non-fund-based working capital limits*

Provisional IND A1+

* The ratings are provisional and the final rating is contingent upon the receipt of final documents conforming to the information already received.

Analytical Approach: The agency continues to take a consolidated view of GIL and its wholly owned subsidiaries – Granules Pharmaceuticals Inc. (GPI), Granules USA Inc. (GUSA) ,  and Granules Europe Limited (GEL) - while arriving at the ratings.  Among them GPI is engaged in the manufacturing while GUI and GEL is engaged in the marketing of active pharmaceutical ingredients (API), intermediates and formulations.

Slower-than-expected Deleveraging: The Outlook revision reflects GIL’s lower-than-expected deleveraging through FY18 and Ind-Ra’s expectation of net debt/operating EBITDA (net leverage) remaining above 2.0x over FY19-FY20. The annualised ratio stood at 2.92x in 1HFY19 (FY18: 3.13x; FY17: 2.02x) as against the agency’s expectations of 1.5x in FY19. The net leverage deteriorated in FY18 because of lower operating profitability (FY18: INR2.78 billion; FY17: INR3.04 billion) due to higher raw material prices, increased R&D spends, high fixed costs from newly commissioned capacities, and lower realisations due to higher domestic sales.

GIL passed on the rise in raw material prices and diversified the supplier base in1HFY19. Revenue and EBITDA generation from the capacity additions has commenced, and site variation approvals for exports to regulated markets are awaited. In 1HFY19, GIL’s revenue rose 34.3% yoy to INR10.34 billion and EBITDA increased 13.2% yoy to INR1.73 billion while EBITDA margins stabilised at 16.7% (1HFY18: 19.9%; FY18: 16.5%). Also, realisation for ibuprofen increased because of higher selling prices and supply security from the company’s joint ventures.

While GIL’s management has guided for a stable debt profile (1HFY19: INR11.23 billion; FY19: INR9.8 billion) over the near to medium term, Ind-Ra expects GIL’s operating profitability to improve modestly over 2HFY19-FY20 on the back of positive operative leverage from the improving utilisation of expanded active pharmaceutical ingredients (FY18: 66.2%; FY17: 62.2%) and pre-formulation ingredients capacities (55.9%; 57.2%). This will be supported by a sustained demand for existing products and new product launches in regulated geographies, and envisaged cost savings from improved sourcing.

25 Apr 2019

QUOTES--25 Fun and Helpful Quotations About the Human Mind-

       These short quotes about the mind may inspire you to change yours!

Here are my current favorite quotes about the mind, loosely organized into categories, with the occasional editorial comment:
The Wildness of the Mind
“The mind of man is capable of anything.” --Joseph Conrad
“The mind has a mind of its own.” --Old saying
"The mind is its own place and in itself, can make a Heaven of Hell, a Hell of Heaven."   --John Milton 
"(Sometime) you will come face to face with the sudden and shocking realization that you are completely crazy. Your mind is a shrieking, gibbering madhouse on wheels barreling pell-mell down the hill, utterly out of control and hopeless. No problem. You are not crazier than you were yesterday. It has always been this way and you never noticed."  --Henepola Gunaratana

24 Apr 2019

STOCK MARKET--How election years affect the stock market/read and understand.

(Any opinions expressed here are those of the author and not of Thomson Reuters)

The ongoing stock market rally has been primarily supported by foreign investors. The rupee also rose to a near three-month high against the dollar on Friday.

It is rather unusual for the Indian market to jump in pre-election months, particularly after 1996 when coalitions became the new political strategy to make up for shortfalls in parliamentary majority. In most election years, the market had actually fallen just before the elections – in 2004, by more than 10 percent.
There are reasons why the Sensex is behaving differently now.
The market has its own fears and hopes. First, the market detests uncertainty, which is at its peak in coalition times with regional parties vying for power.
Second, the market would like the communist parties to be drowned in political backwaters. Though a few regional parties want to assert their right to influence the government at the centre, the Bharatiya Janata Party (BJP) can still command a good number of seats from the states that it already rules as well as others. This has generated some confidence in investors who are looking to make some quick gains.
That confidence may have come partly from opinion surveys announced recently. Most of them forecast that the BJP may capture more seats than the Congress did in 2009 and be in a good position to form the government with support from old and new friends. If that happens, how will the market respond to the political change?
Well, the BJP-led National Democratic Alliance had come to power in 1999. At the time, the market responded well in the three months before the elections (the Sensex jumped nearly 17 percent) as also in the three months following the elections (the Sensex jumped another 6.4 percent). But the euphoria did not last long. In the one year after the elections, the Sensex dropped 13 percent.
The market trend was different in 2004 when a Congress-led coalition formed the government. That is because it had to rely on the communist parties to remain in power. In the first three months, the Sensex was down 6 percent, though over the year it was up 16 percent.

23 Apr 2019

Share market--How do I find fundamentally strong and a bit smaller companies to invest in the Indian stock market?

                 "It is far better to buy a wonderful company at a fair
                  price than a fair company at a wonderful price.”
                                                         -by WARREN BUFFET
1.Why undervalued stocks can be best investment??
Undervalued stocks can outperform more popular stocks because they don’t have the built-in premium that current big-hitters have.For example, a popular stock has already had its major run-up, and will most likely do little more only than with the general market. If the market rises by 10% in a given year, the stock may rise by only 10% or 15%.But An undervalued stock has greater potential to perform better, because it can increase in price substantially simply as a result of reaching the common valuations in its sector.Anundervalued stock can rise by 50% or more in a single year once it becomes “discovered” by the general market.
2.How to find the Undervalued Stocks??

22 Apr 2019

QUOTES--21 of the Most Inspirational Quotes

21 of the Most Inspirational Quotes
If you look closely, you’ll notice the energy of inspiration is all around. From the rising sun to a placid lake on a warm summer night; from our favorite books to our own reflections, the places and things from which we can draw inspiration are infinite. And the best part is that every day is a chance to capture this energy—to seek out all of life’s possibilities.
As you aspire to do great things, use these uplifting quotes for inspiration to be all you can be.
 /famous authers

1. “Keep your face always toward the sunshine—and shadows will fall behind you.” —Walt Whitman

2. “It is always the simple that produces the marvelous.” —Amelia Barr

3. “The world is full of magical things patiently waiting for our wits to grow sharper.” —Bertrand Russell

4. “Let us make our future now, and let us make our dreams tomorrow’s reality.” —Malala Yousafzai

21 Apr 2019

EASTER QUOTES--22 Easter Bible Verses on the Resurrection of Christ/read and think-

Celebrate Easter Sunday with these Easter Bible verses. The most festive day of the Holy Week, we celebrate the resurrection of Christ, the rebirth of hope, and the promise of eternal life. Make this day holy by reading these Easter bible verses.
 “Jesus said to her, “I am the resurrection and the life. He who believes in me will live, even though he dies; and whoever lives and believes in me will never die.” -John 11:25-26
“The Christ will suffer and rise from the dead on the third day, and repentance and forgiveness of sins will be preached in his name.” -Luke 24:46-47
 “He was delivered up for our trespasses and raised for our justification.” -Romans 4:25

SHARE MARKET--Which penny stock will you suggest in BSE, strongly to hold for an year or two and why?

According to me a very good penny stock listed on BSE is: Birla Precision Technology
Birla Precision Technologies Ltd (BPT) the erstwhile Birla Kennametal Ltd was established in 1986, as a joint venture company between YBG and Kennametal Inc, USA In July 2007. YBG acquired the stake of Kennametal in the JV consequent upon which Birla Kennametal was renamed as “Birla Precision Technologies” (BPT). BPT continues to be a primary vendor of Kennametal worldwide –USA, Germany and APAC supplying rotating tool holders in AT3 class. Besides, BPT also exports in a large way to other major customers in the USA, Europe and in recent times to the Far East including China.
From previous 5 quarters the company has posted continuous increase in profits. The profit is expected to rise even for this quarter. One very important point regarding the profit has been that it has been generated through the operational business of company, not through other subsidiary companies. The revenue generation of the company has also been good.
The profit generation of a company tells about the ongoing business of the company. And as it has been stable it somewhat assures us for good future performance.
The debt to equity ratio has been kept on decreasing which is a positive for the company. And for a stock becoming a multibagger, the debts have a very essential role to play.
All the customers of the company are recognised names of their respective fields.
The stock is currently trading around 18rupees, while the book value of the stock is 19 rupees. This implies the stock is currently trading below its intrinsic value.
This company belongs to the BIRLA group. And it is a very renowed business house. As the other businesses of the group are booming up, it shows the ability of group to excel in different fields.

20 Apr 2019

EASTER GREETINGS--Great Religious Easter Card Sayings

Easter is an important holiday celebrating the resurrection of the King. As written in the New Testament of the Christian Bible, Jesus had risen when his tomb was found empty. To help pay honor to this day and bless your brothers and sisters of faith, here is a look at some great religious Easter card sayings that capture the true meaning of this holiday.
“Blessed are the people who experience the presence of Christ in their lives. Live to be a life to others as well. Have a blessed Easter.”
“Christ’s resurrection offers a promise of renewed life. Go out and spread the good news for Christ has risen.”
“Easter blessings for a holiday that shines with wonder and is filled with love. Happy Easter.”
“Easter Blessings For You My prayer is that each day of your life be a testimony of God’s love and power. Happy Easter.”
“Easter is a good time to enjoy all of your many meaningful blessings: family, friends, Jesus, and of course chocolate molded into tasty bunnies.”
“Easter is a time of new life for all that we celebrate at this time of the year.”
“Easter is a time of reflection and a time to recognize the miracles that God has brought into our lives. My prayer is that you have the opportunity to experience His greatest miracle of all His eternal love. Happy Easter.”
“Easter is a time when the Lord showers his endless blessings to the faithful. Keep the faith and rejoice in the name of the Lord. Wish you and your family a Happy Easter.”
“Easter reminds us how God has been good to us. He gave His own precious son to save us from our sins. Lets return the favor by sharing our blessings to others.”