Saturday, September 24, 2016

In India Employer needs to learn to pay as well as care for its employees ?



Its being 70 years of Independences but even today the concept of slavery still exists.

Leaving few companies in India most of the employers always wants to hire employees who can work with less income per day.
And most of  them try to increase profit by saving their employment cost.
The other reason for  employees slavery is bcoz of themselves, our education system  and family environment has always taught the same.
Well this will not help them to last longer anymore.

My view

Employer needs to think and enhance their pay grades on yearly basis , looking at the current situation.
This will help them  to make better profit as employees's happiness is directly proportional to their attitude towards work.
The reason this article is written here bcoz  this is one of the method I use for finding companies for investment.

Example for such companies in India are:
HUL ( Hindustan Unilever Limited )
ONGC (Oil and Natural Gas Corporation)
SBI ( State Bank Of India)
 and many more.............


Above three was in my mind so I have noted here , this doesn't mean I am recommending to buy shares for this companies.

Quote : When roots are strong enough doesn't matter how strong the wind blows my tree will be steady.

Friday, September 9, 2016

Why I don't believe in any analyst and TV shows ?




  • They always talk about sensex and index , which I never look at it while buying or selling stocks.
  • They keep changing their statements.
  • Will sensex or index falling means consumers will stop watching TV , movies , eating ? will consumers stop spending ?
  • They always try to predict the future value  of stocks or index . I don't believe in Prescience.
  • They never talk about product quality and its consumer base of companies . How can one know that the company's stock will  zoom without knowing its product and its consumer base.
  • If you really want to make money then stop believing on talks made on TV shows and stock analyst and start believing in yourself.
  • This formula will take time to work and when it starts working  all you need to do is sit tight to it.
  • Patience is the key to unlock the door for making big money.


Sunday, July 17, 2016

Why not to worry about Infosys and KPIT



Both companies had faced bad times and has overcome it.
Just management lowering earning guidelines doesn't mean they have lost their execution potential.
Such guidelines varies from quarter to quarter.

While having a discussion regarding this companies someone asked me their earning are lower than estimated which means the stock will not run as they are expecting.

I ask one simple question to them :

 Who  is given the earning estimate for this companies ? Analyst ? brokerage houses ? TV channels ?

Do you guys  really believe in Analyst ? Brokerage houses ? TV channels ?

Have you ever came across any Analyst ? Brokerage house ? TV channels ? apologizing when their estimate goes wrong ?

so ask yourself ? is it really something wrong within the companies ?

Apply the formula :  Buy when others fear and Sell when others are greedy.


Sunday, July 3, 2016

Art of Learning From People Around You



When we are born in this world all we know is emotions to express which is gifted to us.
There is one more gift that we are blessed with is "Art Of Learning".

Never Heard  about it ? Well Education never teaches us "Art Of Learning".

Why did I mentioned it as a gift ?
We start learning the language to express ourself same as the people around us, nobody teaches us.
We start behaving and following same as people around us.
But as we grow we never concentrate to use this blessed gift in our life.
This is where we all make mistake and join the running road.

The early we realize about it , life becomes more enjoyable bcoz  we are surrounded by people where each one has different thinking.

So what we all want to learn from others ?   Big Question ?  When you ask this question to yourself..
I know you will end up answering..as,  learn how others made money.
Yet another  mistake is made here ending  up on the same running road.

Till now its clear that "Art of Learning" exist in ourself and yes its gifted to all of us and we end up not using it or end up not using it  correctly .


The answer  is
"Learn how to chase your dream"  - Do you really have a dream which you need to chase  ? or you prefer to run on the same running road ?

"Learn how to stand up when you fall" - Do you take risk where you can fall ?

"Learn how to balance yourself on your feet" - Standing straight on your feet doesn't mean you have balanced your body on your feet.

"Learn how to do Time Management" - Do you end up saying you don't have time ?

"Learn how to enjoy Life" - Are you taking more sleep then being awake ?

"Learn how to burst stress" - Are you saying you are tired for the day ?

"Learn how to give value to people"  - Are you angry at others ? do you get angry even for minor mistakes ? Are you abusing people around you or at their  back ?

"Learn how to win people's heart"   - Does people never listen to you ?

"Learn how to keep your thinking ahead of you at the same time enjoy the present day ? - Do you end up saying it was bad day ?

"Learn how to avoid same mistakes" - Do you  repeat your mistakes ?

"Learn how to stop calculating Everything = Money ? - Do you ask people around you how much they earn ?

"Learn how to walk steadily on road ? - Are you in hurry all the time ?

"Learn how to smile when you sleep ? - Are you dreaming what will happen tomorrow all the time ?

the last most important

"Learn how to find fresh oxygen in your life"  - Do you get sick often ?

All this will help you to find companies which are running on same principle called "Art Of Learning" in your life as well as on stock exchange :).

Saturday, June 25, 2016

Short Story : End of Season Sale


Conversation between Lady and a Wise Gentlemen.


Lady : Lets go shopping  this weekend ?

Gentlemen : We did go last week .... and you bought all the stuff which are needed ? so whats new in this week ?

Lady : There is end of season sale we will get value products at  discount prices ... isn't it good to buy quality brands at cheaper price and save our money that we budget for buying this stuff ?

Gentlemen : That  budget its already spend last week...  I have to manage money wisely else you will end up spending all  that we have saved.

Lady : OK just give me few bucks so I can buy this branded bag which is  currently running at  flat 60% off else someone will pick the bag and I wont get the opportunity to buy such a bag at such a cheaper rate.

Gentlemen : You already have a bag, isn't it good enough ? why you want to add one more in your list ? what will you do with two bags ? since you will carry one at a time.

Lady : So in future when we go for outing it will be so much useful. Remember last time we had to borrow a bag while planning the trip.

Gentlemen : Okay odkies you won. Take my card to swipe but remember to buy top quality bag which will last longer else you will end up buying another one soon.

Lady : Thank you !! You have such a great common sense to understand me.



They went together to shop.



Gentlemen : hmm.... When we go home I will check how great common sense you have while answering my queries.

Lady : Done shopping. I am so so happy. Lets go home.



Arrived at home.


Gentlemen : Let's have a cup of tea to relax and enjoy the weather.

Lady : Here is the tea time. So you wanted to ask something to me ?

Gentlemen : Oh! yes . I am planning to buy some share of a company called XYZ as a investment for our future. What's your view on this ? currently its running at a discount price.

Lady : Are you nut ? Look at the market its going down everyday. You will end up making losses.

Gentlemen : Its  one of the finest people who are running this XYZ company and I know it will shine in future and will stand still in this volatile market.

Lady : I don't agree . Why don't you understand ? Put it in fix deposit and when the market recovers then you should buy this shares.

Gentlemen : See you also have a great  common sense but you are not using it correctly.

Lady : Angrily.. what do you mean ?

Gentlemen : I just applied the same formula of End Of Season sale which you just did few hours ago for buying the new bag which will be useful for future outing.

Lady : But that's a different  story . What common between the two ?

Gentlemen : Smiling.... Common Sense is common between the two, so you mentioned that market will recover in future and you are confident  ? right ?

Lady : Yes I did.

Gentlemen : So if I know that the market will recover in future , buying shares at such a discount price will make more profit.

Lady : But don't you calculate the risk factor here ?

Gentlemen : I have already calculated the risk by allowing you to swipe my card for the bag and made your day as outcome.

Lady : Started laughing..... Men will be Men.

Gentlemen :  And you have a great common sense :)

Sunday, May 8, 2016

COMMON SENSE - The Big Gainer Investments


sharing my view


Why people fail to make big  money in Stock Market ?
Why people complain when their investment doesn't get appreciated ?
How a common man becomes better investor then qualified financial analyst ?

The answer is directly proportional to human thinking called as common sense.

Some people have it as a gift and the people who doesn't have it, they can gift it them-self.

Want to know how to build common sense while doing investments ? its very simple approach....

start applying common sense in your personal life or work which you do day-to-day basis  and see how well it gets improved.

If this improvement is sensed by you... you will automatically apply it while doing your investments.

Sunday, March 27, 2016

VIEW ON E-COMMERCE COMPANIES



With the new IPO in the market infibeam  which operates online shopping site: www.infibeam.com

I would like to share my view point.

Most of E-Commerce companies which are listed or unlisted in this sector or E-Commerce service sector  are only focusing on gaining market share which means just working on sales.

Selling with negative profit which will not last long in any business.

Below is the category which I always apply to invest in IPO.

1) Is the 30 %  or more than this of IPO's  money used for payment of its debt  - I Avoid such companies.

2) Is the money used for just expansion of its business  ? if yes I apply below filter

a) Is the  expansion plan of the business on aggressive mode by promoters ? if yes - I Avoid such companies.

simple maths :When you are running fast  just in case  you fall down the probability to get up and run again  is less whereas if you are walking and just in case you fall down the probability to get up and walk again is more.  

b) Whats the profitability of the business Annually ? if negative - I Avoid such companies.


If I take one of the most popular company Flipkart , my gut feeling is  the way its operating and raising money from  investors very soon it will  move to the  road where it has to look for a buyer  for  its business.

so don't get carried away with the name of E-Commerce.

Saturday, February 13, 2016

VIEW ON RECENT MARKET INDEX CORRECTION IN INDIA



Market correction has nothing to do company's execution. What does this means ?

It Means invest in company's which are still performing the growth for glory.Never invest in company looking at market performance, always look at company's execution direction.

Never get carried away by words spoken on TV channel by analyst  or newspaper articles.

Let's take an example of State bank of India (SBI) .

Will people stop earning their livelihood  ?

Will people stop going to bank to deposit money , when market moves into negative  ?

Yes SBI has issue with NPA which keeps on growing day by day . But that doesn't mean government will keep their eyes close.

Things will change with TIME, similar to our thinking which changes with time.

So how to invest in such a scenarios ?

Ans: Invest in staggered manner  - SIP mode.

Apply Buffett's  rule which is simple but difficult to implement for lot of people. 
But the person who applies  this shine's out.

"Buy when others fear and Sell when others are greedy."

There are different ways of making money in stock market.
example trading / timing the market while buying and selling listed entities. It just depends on person to person which they are good at with.

The Rule which I follow I have shared with an example.