Sunday, 16 September 2012

want to take a loan just register


























Sunday, 17 June 2012

Returns more than G Sec with Safety .

Can a stock be valued cheaply than a bond? Or for that matter a Government bond? Looks unlikely, isn't it? After all, a good quality stock will continue to raise its earnings for many years into the future. But a bond has no such possibility. Its coupon payments will remain as similar five years down the line as they are today.
Thus, it goes without saying that stocks will continue to trade at lower yields than Govt bonds or in other words, will command a higher P/E.
However, as we all know, markets don't operate with robotic precision. A lot of times, stocks, even good quality ones, start to trade at prices that make them more attractive than Government bonds.
Clearly, what better opportunity for a value investor to fish in a sea of such stocks? Not only are these stocks good quality but they also have a margin of safety in the sense that they are available at lower or at par valuations of Government bonds.
In our view, stocks that are currently available at a P/E of 10 or less are the kind of stocks that could qualify for the criterion mentioned above. Why a P/E of 10? Well, a small Google search will tell us that a 10-year Indian Government bond currently trades at a yield of around 9%.
Thus, a stock with a P/E of 10 or less is the one that is trading lower than the bond. Besides, it is also important that the stock be of good quality i.e. have a D/E ratio of no more than 0.5 times so that the chances of the same going bankrupt or the stock turning into a value trap is minimized to the best extent possible.Check Debt Equity Ratio a Caution.




Catch The stocks in the Jan2012 list .review my picks you will find one of them as an multibagger.


Not to surprise it is GNFC a stock now ready for smart gains .Current Price is Rs.82/=  charts says buy above Rs.84 as on date. Buy for Smart Returns you will not see the stock again below Rs.80/= over the next five years.

Thursday, 5 April 2012

Tips for a Sign of a Multibagger stock

According to experts, following characteristic should be kept in mind while scouting for a multibagger:
1 Look for companies having lower equity base because lower the equity base higher would be the valuations and earnings per share (EPS).
2 Stocks where promoter's holding is higher, the free float is lower, so there are chances of prices jumping on the back of strong earnings.
3 Dig deep through information to recognise a substantially undervalued stock.
4 Stocks which are not much noticed by market can be potential multibaggers.
5 Investors should opt for companies with strong positive cash flows and robust business model.
6 The share price of the stock should not reflect its earnings growth. One should also take a note of availability of inherent liquidity in the stock.
7 While selecting companies, investors must always be cautious about the fact that selected company follows the required corporate governance norms.
8 The quality of the management and goodwill of the promoters should be considered.
9 One should try and  looking for multibaggers in high growth sectors , which are  in sync with the economy.
10 And overall you gut feeling to stay invested for a period of at least minimum of three to five years with the stock .will give you smart returns .

Wednesday, 15 February 2012

Liquid plus fund

Today I take an opportunity to introduce a beautiful product LIQUID PLUS FUND which is a best alternative
to your SAVING OR CURRENT ACCOUNT. Following are the features of LIQUID PLUS FUND.
 A mutual fund portfolio which provide very good investment avenue for short term parking
of money.
 Liquid plus fund invests in short term paper with maturity of 15 days to 6 months
 Returns are better than saving a/c and current a/c.
 More Tax Efficient than saving a/c, Dividend is Tax Free in the hands of Investor-
Dividend is distributed after deducting Dividend distribution tax of 14%
 Redemption is available with working hour, with direct credit facility
 Online platform is available to invest and redeem online
 Most important you can start a SIP IN LIQUID FUND for your EMIs & Monthly
expenses and redeem through SWP before your EMI dates.
OTHER ADVANTAGE:
· You receive ATM CARD and thus you can withdraw money from all VISA ATM.
· ATM CARD and any transaction through it is FREE OF COST.
· You can even invest and redeem in LIQUID fund through SMS or CALL
Find the returns of some liquid funds. Returns as on 13 JAN 2011on annualized basis.
We once again would like to thank you for your support and trust with us and hope that the same would
continue in the years to come. If you have any queries and wish to know more our services, please feel free

Thursday, 9 February 2012

Important Facts of Financial Planning

A financial planner or personal financial planner is a practising professional who helps people deal with various personal financial issues through proper planning, which includes: cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for business owners).
The work engaged in by this professional is commonly known as personal financial planning. In carrying out the planning function, he is guided by the financial planning process to create a financial plan; a detailed strategy tailored to a client's specific situation, for meeting a client's specific goals. The key defining aspect of what the financial planner does is that he considers all questions, information and advice as it impacts and is impacted by the entire financial and life situation of the client.

Objectives

People enlist the help of a financial planner because of the complexity of performing the following:
  • Finding direction and meaning in one's financial decisions;
  • Understanding how each financial decision affects other areas of finance; and
  • Adapting to life changes to feel more financially secure.
The best results of working with a comprehensive financial planner, from an individual client or family's perspective are:
  • To create the greatest probability that all financial goals (anything requiring both money and planning to achieve) are accomplished by the target date, and
  • To have a frequently-updated sensible plan that is proactive enough to accommodate any major unexpected financial event that could negatively affect the plan, and
  • To make intelligent financial choices along the way (whether to "buy or lease" whether to "refinance or pay-off" etc.).
Before working with a comprehensive financial planner, a client should establish that the planner is competent and worthy of trust, and will act in the client's interests rather than being primarily interested in selling the client financial products for his own benefit. As the relationship unfolds, an individual financial planning client's objective in working with a comprehensive financial planner is to clearly understand what needs to be done to implement the financial plan created for them. So, in many ways, a financial planner's step-by-step written implementation plan of action items, created after the plan is completed, has more value to many clients than the plan itself. The comprehensive written lifetime financial plan is a technical document utilized by the financial planner, the written implementation plan of action is just a few pages of action items required to implement the plan; a much more "usable" document to the client.


Step 1: Setting goals with the client This step (that is usually performed in conjunction with Step 2) is meant to identify where the client wants to go in terms of his finances and life.
Step 2: Gathering relevant information on the client This would include the qualitative and quantitative aspects of the client's financial and relevant non-financial situation.
Step 3: Analyzing the information The information gathered is analysed so that the client's situation is properly understood. This includes determining whether there are sufficient resources to reach the client's goals and what those resources are.
Step 4: Constructing a financial plan Based on the understanding of what the client wants in the future and his current financial status, a roadmap to the client goals is drawn to facilitate the achievements of those goals.
Step 5: Implementing the strategies in the plan Guided by the financial plan, the strategies outlined in the plan are implemented using the resources allocated for the purpose.
Step 6: Monitoring implementation and reviewing the plan The implementation process is closely monitored to ensure it stays in alignment to the client's goals. Periodic reviews are undertaken to check for misalignment and changes in the client's situation. If there is any significant change to the client's situation, the strategies and goals in the financial plan are revised accordingly.


Considerations

Personal financial planning is broadly defined as "a process of determining an individual's financial goals, purposes in life and life's priorities, and after considering his resources, risk profile and current lifestyle, to detail a balanced and realistic plan to meet those goals." The individual's goals are used as guideposts to map a course of action on 'what needs to be done' to reach those goals.
Alongside the data gathering exercise, the purpose of each goal is determined to ensure that the goal is meaningful in the context of the individual's situation. Through a process of careful analysis, these goals are subjected to a reality check by considering the individual's current and future resources available to achieve them. In the process, the constraints and obstacles to these goals are noted. The information will be used later to determine if there are sufficient resources available to get to these goals, and what other things need to be considered in the process. If the resources are insufficient or absent to meet any of the goals, the particular goal will be adjusted to a more realistic level or will be replaced with a new goal.
Planning often requires consideration of self-constraints in postponing some enjoyment today for the sake of the future. To be effective, the plan should consider the individual's current lifestyle so that the 'pain' in postponing current pleasures is bearable over the term of the plan. In times where current sacrifices are involved, the plan should help ensure that the pursuit of the goal will continue. A plan should consider the importance of each goal and should prioritize each goal. Many financial plans fail because these practical points were not sufficiently considered.

Monday, 6 February 2012

where is the money going

Find yourself with no savings at the end of the month? This sheet will give you a clear idea on the source of your income and the method in which it gets spent. Use this to tackle your costs more methodically. Enter either the monthly amount or the annual one. Once done, the other will be automatically calculated. Income Monthly Annual Post-tax salary Spouse's income Investment income Rental income Other income Total Income Expenses Monthly Annual Household Expenses Grocery Medical House help Laundry Basic ammenities (electricity, water, gas) Phone Mobile Transportation Cable Lifestyle Expenses Books Newspapers Clothing Personal care Entertainment Travel Holiday Eating out Club/ Gym membership Fixed Expenses House rent Children's fees Home loan Auto Loan Instalment Other Loan Instalment Insurance Premium Miscellaneous Expenses Household gadgets White goods Festivals Family obligations Other Total Expenses

Sunday, 22 January 2012

Indicators of Technical Analysis

These are the terms you should know for beginners in Market .Invest some money  and time in technical analysis study before trading in stocks.

1)Types of Charts
Lets take a look at the three most popular types of charts:
1. Line chart
2. Bar chart
3. Candlestick chart

2 )Support and Resistance

3) Volume of Stock


4 )Moving Averages ; EMA: SMA: DMA

5) There are three types of Oscillators:
A. Price oscillators
B. Volume oscillators
C. Breadth oscillators

6) Divergence
Divergence is basically price action measured in relationship to an oscillator indicator. It doesn't really
matter what type of oscillator you use. You can use RSI, Stochastic, MACD, ADX etc. The great thing
about divergences is that you can use them as a leading indicator and after some practice, it’s not too
difficult to spot.
When traded properly, you can be consistently profitable with divergences. The best thing about
divergences is that since you’re usually buying near the bottom or selling near the top, your risk on your
trades are very small relative to your potential reward.

Happy investing .

Sunday, 15 January 2012

Medicaps a Safe bet a hidden gems

Medi-Caps Limited flagship company of Medi-Caps Group, is one of the largest manufacturer of empty hard gelatin capsules in terms of manufacturing capacity as well as market capitalization in India, incorporated in 1986, Medi-Caps Limited entered the highly competitive market with a team of dedicated professionals, duly supported by competent individuals in every aspect of operation.

At Medi-Caps Limited a philosophy of growth has been consistently upheld with good business practices. Clear focus, excellent infrastructure, a powerful quality policy and a well defined management information system have helped the company to achieve consistent growth.

Our product range comprises of six sizes ranging from 00,0el, 0, 1el, 1,2,3,4 in more than 1000 shades, the same is increasing as rapidly as Pharma Industry itself.

Today we offer printing features that are best in the industry. Medi-Caps Limited has pioneered many advanced features in product development such as "Pearlz Capsules" (Metallic Colored) as well as Python Printing & Li-Fill Caps.

Medi-Caps Limited continuously strives to offer its customers excellent product, technical advice to their customers both in India as well as abroad.

 
Price Data for Medi-Caps on 13-01-2009
No Data Available

BSE   NSE 

 Open Price Rs.28.20  -- 

 High Price Rs.30.65  -- 

 Low Price Rs.28.20  -- 

 Close Price Rs.30.65  -- 

 Volume 300  -- 

Assuming that you bought this stock at the closing price on 13-01-2009 on the BSE, your gain today is 66.39%




Today the price is around Rs.50/= a stock to accumulate for a tune of Rs.1000/= on the nexr 10 yeats.
Market Cap 15.84 cr
Dividend 15.00%
EPS (TTM) 11.59
PE 4.38
Book Value 189.75
Face Value 10.00
Market Lot 1.00

Market Value of Investment held by compnay in mutual funds is valued at Rs.16.00 crores a cheap stock to accumulate .a low floating stock in the stock is a problem but real long term can bet on this counter fir fancy returns.


Tuesday, 10 January 2012

TCIL is today the largest indigenous producer of tin coated and tin free steel sheets in India, enjoying 35-40% market share and undoubtedly the industry leader for more than 90 years. The company exports about 20-25% of its production directly to end-users (can-makers) and its products are well accepted in the markets of SE Asia, Middle East and some developed countries in Europe.
Headquartered in Kolkata, the Company’s Works is located at Jamshedpur, Jharkhand. There are presently 11 offices in India and a distribution network with 16 stocking points.
View Of TCIL
 



TCIL Works, situated at Golmuri, Jamshedpur has presently two Electrolytic Tinning Lines (ETLs) and Cold Rolling Mills (CRMs)
The Company is in the business of manufacturing and supplying reliable, cost-effective, value-added tin mill products. It manufactures various grades of electrolytic tinplates, tin-free steel sheets and Full Hard Cold Rolled Sheets (FHCR) used for metal packaging. 

Current Price of Rs.40/= .Valuation are attractive and sector is good as far as sales are concerned .It enjoys a monopoly in india. A cheapest stock from Tata group company . A chance to accumulate for long term a potential multibeggar Stock .Fair value of stock in any value  thoery stands at Rs.80/= on a minimum side. 


Market Cap 419.72 cr
Dividend 12.00%
EPS (TTM) 1.65
PE 24.30
Book Value 33.62
Face Value 10.00
Market Lot 1.00   

Saturday, 7 January 2012

Financial Planning a basic 80% returns comes from 20% planning

What is Financial Planning?
Financial planning is a scientific process to ensure that right amount of money is available at the right time to fulfill all the financial goals of the individual.”
Financial planning helps you to:
  • Define Short and Long term goals
  • Assess you current financial situation and commitments
  • Decide where you want to be in future
  • Identify realistic strategies to achieve goals
  • Put your plan into Action
  • Monitor progress
A true financial plan does not focus on one aspect or product, but instead seeks to take all the areas of planning into consideration when making financial decisions. It includes,
  • Cash Management
  • Tax Planning
  • Risk Planning
  • Investment Planning
  • Retirement Planning
  • Estate Planning
And planning all these aspects is not enough in itself, because even if they are properly planned but not thoroughly managed they will loose their importance, So proper planning and management of each of these aspects makes a complete financial planning possible.
Many times there arises a question, " Why Financial Planning"?
Anyone who has financial goals to achieve, needs financial planning. Financial Planning can help to achieve both greater wealth and security. Inadequate or improper planning can be financially disastrous. Any sudden loss can wipe out accumulated wealth; insufficient savings for retirement can force a undesirable lifestyle and/or postponement of retirement; and improper tax planning can result in paying more than the necessary taxes.
But what are the few important reasons that stop people from planning…
  • They feel they don’t have enough money to plan
  • They think they are too young or old to start planning
  • They are not ready to think about the bitter side of life, death, accident, illness…
  • They keep on Procrastinating
But now with our fully integrated end-to-end service model we offer solutions that will enable you to meet the challenges of fulfilling your investment goals, fortify your own dreams and transform them into reality.
Financial Planning is often thought to be very expensive, but the real thing is exactly the opposite. NOT doing Financial Planning will eventually prove to be more expensive.The fact is financial planning is quite simple if done systematically.”

Pillars of Investments , Pyramid no 1

Life & Health Insurance




Life insurance
You will do anything for the ones you love.Thinking about why you need life insurance can be an emotional and stressful task. However, life insurance is one of the most responsible decisions you can make to help ensure that your spouse, children or other loved ones can continue to enjoy the quality of the life they deserve. Life is unpredictable.
So it is important to ensure that your family and loved ones are taken care of financially in case something should happen to you. This is where life insurance comes in.It can provide some financial peace of mind if the worst were to happen.

What is Life Insurance?
Life insurance offers a way to replace the loss of income that occurs when someone dies. Life insurance is insurance for you and your family's peace of mind. With a life insurance policy in place, you can:
  • Provide security to your family
  • Protect your home mortgage, loans, credit card borrowings etc.
  • Provide finance to your loved ones to achieve their goals in your absence
  • Ensure that your family is able to maintain their lifestyle, no matter what happens
  • Take care of your estate planning needs
  • Look at other retirement saving/investment vehicles
Health Insurance
Although health insurance can not prevent a serious injury or illness, it can help you maintain financial stability.
A serious injury, disability or critical illness can impact a person's emotional well-being and financial security. And while it can be difficult to think about these things, you will make a smart decision by planning for the unexpected now.
Health insurance is required when an individual is ill or requires medical checkups. It can prevent the patient from being expected to pay out of pocket expenses towards medical bills because they do not have any health insurance. Without health insurance, one may even not be able to afford expensive medical services when needed.
Health insurance can help you and your loved ones to maintain the same lifestyle. It can pay the bills, secure better health care and allow you to focus on what's important—recovery.
Following are some of the benefits for why you should have a Health Insurance:-
  • Helps protect your income - Disability Income Protection Insurance
  • Provides a monthly benefit to help maintain financial stability while you recover from a disability.
  • Long-Term Care Insurance
  • Provides a daily benefit to help you offset the cost of care administered in a long-term care facility or at home.
  • Critical Illness Insurance
  • Provides a lump-sum payment to be used in case of contingency
  • Hospital Cash Plan
  • Provides a daily allowance to help you pay during your hospital stay

Friday, 6 January 2012

Research Overview and Strategy

There are five reasons to pick a stock. Growth,High Entry Barrier in the Sector,Change that will i for see as positive.and the value combined with some growth sign and a margin of safety in the sector.


You will find almost all straits in the stocks i have picked so far these is to give idea of my overall investment philosophy.This is all to guide your investment based Ideas for long term cheery picks



Good life is my mission




G = Get

0 = out

0 = of

D = Debt.




L= Live

I = I

F = For.

E =Ever





Thursday, 5 January 2012

Buy Escorts a Value buy at Rs.66/= .Book Value of Rs.170/= plus and at an very attractive valuation the debt equity ratio is comfortable only squueze in margins is there is temporary in nature will rise a sure shot multibeggar again buy on declines and accumulate. A Value pick in auto sector and multibeggar stock will lot of hidden assets .value market cap below one times of annual sale.Good products in each segment.attractive p.e of 6 . and forward pe of 8 in 2013 and 5 in 2014 make and attractive.

Sales 3211.00 cr
Market Cap 704.47 cr
Dividend 15.00%
EPS (TTM) 11.37
PE 5.87
Book Value 170.12
Face Value 10.00
Market Lot 1.00

Sunday, 1 January 2012

Sure shot gains for smart returns

Value Investing ; jan2012 Values picks from Ketan  Shah

Stock recommended are extremely cheap stocks  and value buys for investment for 400 % to 800% gain in ten years time.

NHPC

Rolta

RCF

Can bank home finance

IFCI

GNFC

Varun shipping

Medicaps













Earnings Disclaimer: Every effort has been made to accurately represent this product and it's potential. Even though this industry is one of the few where one can write their own check in terms of earnings, there is no guarantee that you will earn any money using the techniques and ideas in these materials. Examples in these materials are not to be taken as a promise or guarantee of earnings. Earning potential is entirely dependent on the person using our product, ideas, techniques and the effort put forth. We do not purport this as a "get rich scheme", and nor should you view it as such. Any and all forward looking statements here or on any of our sales material are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else's, in fact no guarantees are made that you will achieve any results from our ideas and techniques. Results vary, and as with any money-making opportunity, you could make more or less. Success in ANY money-making opportunity is a result of hard work, time and a variety of other factors. No express or implied guarantees of income are made by me nor mysharedpage or page owner