Finance · Goals · Habits · Investing · Learning · Stocks · Success · Wealth creation

ALPHA LEARNERS – Mentorship Program Jul-24

ALPHA Mentorship Art and Science of Investing (basics to advanced)

to make you Independent in stock markets

Make your journey faster in Stock market (by 3 to 4yrs) with ALPHA LEARNERS Mentorship program

Number of batches and batch size is very very limited considering live classes

A PROGRAM TO MAKE YOU LEARN AND EARN

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Free lifetime learning through a Whatsapp Community (apart from Program content) & Bonus Sessions

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

This is a program YOU CAN NOT AFFORD TO MISS

Be ready to WELCOME 2025 with Knowledge

Let 2024 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

FEEDBACK By ALPHA LEARNERS

ACT NOW for your Independence

CONTACT us

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

Deleveraging

Finance · Technology

Gen AI

Finance · Goals · Habits · Investing · Learning · Stocks · Success · Wealth creation

ALPHA LEARNERS – Mentorship program Apr-24

ALPHA Mentorship Art and Science of Investing (basics to advanced)

to make you Independent in stock markets

Make your journey faster in Stock market (by 3 to 4yrs) with ALPHA LEARNERS Mentorship program

Number of batches and batch size is very very limited considering live classes

A PROGRAM TO MAKE YOU LEARN AND EARN

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Free lifetime learning through a Whatsapp Community (apart from Program content) & Bonus Sessions

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

This is a program YOU CAN NOT AFFORD TO MISS

Have a Resolute NEW YEAR 2024

Let 2024 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

FEEDBACK By ALPHA LEARNERS

ACT NOW for your Independence

CONTACT us

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Technology

Flee Paytm !!

Finance · Investing

29 Institutions!!

29 Institutions!!
Finance · Technology

Home for Fintechs : India

Finance

Rise of the Debt

Source Moneycontrol
Finance · Goals · Habits · Investing · Learning · Stocks · Success · Wealth creation

ALPHA LEARNERS – Mentorship program Jan-24

ALPHA Mentorship Art and Science of Investing (basics to advanced)

to make you Independent in stock markets

Make your journey faster in Stock market (by 3 to 4yrs) with ALPHA LEARNERS Mentorship program

Number of batches and batch size is very very limited considering live classes

A PROGRAM TO MAKE YOU LEARN AND EARN

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Free lifetime learning through a Whatsapp Community (apart from Program content) & Bonus Sessions

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

This is a program YOU CAN NOT AFFORD TO MISS

Have a Resolute NEW YEAR 2024

Let 2024 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

FEEDBACK By ALPHA LEARNERS

EARLY BIRD DISCOUNTS if one Enrols before 25th DEC 2023

ACT NOW for your Independence

CONTACT us

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Asset allocation · ETF · Finance · Stock Markets

17 Qtrs ke baad

Finance · Goals · Habits · Investing · Learning · Stocks · Success · Wealth creation

ALPHA LEARNERS – Mentorship program Oct-23

With great pleasure and best wishes from all of you, we are delighted to launch new batch of

ALPHA Mentorship program

Art and Science of Investing (basics to advanced)

to make you Independent in stock markets

Make your journey faster in Stock market (by 3 to 4yrs) with ALPHA LEARNERS Mentorship program

Number of batches and batch size is very very limited considering live classes

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) and 2 years of handholding further, Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Free lifetime learning through a Whatsapp Community (apart from Program content)

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

This is a program YOU CAN NOT AFFORD TO MISS
LET THIS MONTH of 2023 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

FEEDBACK By ALPHA LEARNERS

ACT NOW for your Independence

CONTACT us

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Goals · Habits · Investing · Learning · Stocks · Success · Wealth creation

ALPHA LEARNERS – Mentorship program July-23

With great pleasure and best wishes from all of you, we are delighted to launch new batch of

ALPHA Mentorship program

Art and Science of Investing (basics to advanced)

to make you Independent in stock markets

AVAIL EARLY BIRD OFFER till 30th June23

Make your journey faster in Stock market (by 3 to 4yrs) with ALPHA LEARNERS Mentorship program

Number of batches and batch size is very very limited considering live classes

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) and 7 months of handholding further, Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Free lifetime learning through a Whatsapp Community (apart from Program content)

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

This is a program YOU CAN NOT AFFORD TO MISS
LET THIS MONTH of 2023 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

AVAIL EARLY BIRD OFFER (save 3000 bucks) till 30th June 2023

FEEDBACK By ALPHA LEARNERS

ACT NOW for your Independence

CONTACT us

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

NBFC and HFC borrowing mix

NBFC and HFC borrowing mix
Finance · Investing

What are you focused on!! Investing

Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program Jan-23

With great pleasure and best wishes from all of you, we are delighted to launch new batch of

ALPHA Mentorship program

Art and Science of Investing

to make you Independent in stock markets

AVAIL EARLY BIRD OFFER till 31stDec 2022

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) and 7 months of handholding further, Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and unique indicators including SMA, DMA, RSI, MACD, EMA, Trends, SL, , different time frames and some UNIQUE TECHNICAL INDICATORS NOT TAUGHT by ANYONE

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Bonus sessions on (apart from Program content)

Financial planning &

IPO

Free lifetime learning through a Community (apart from Program content)

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

4-5 months of teaching and mentoring
Can be extended based on queries, case studies

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS Last MONTH of 2022 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 31st Dec 2022

FEEDBACK By ALPHA LEARNERS

FEEDBACK from batches

ACT NOW for your Independence

CONTACT us

Number of batches and batch size is very very limited considering live classes

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program Aug-22

With great pleasure and best wishes from all of you, we are delighted to launch new batch of

ALPHA Mentorship program

Art and Science of Investing

to make you Independent in stock markets

AVAIL EARLY BIRD OFFER till 15th Aug 2022

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) and 7 months of handholding further, Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and indicators including RSI, MACD, STOC RSI, EMA, TEMA, DEMA, Trends, SL, Heiken Ashi candles, different time frames

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Bonus sessions on (apart from Program content)

Financial planning &

IPO

Free lifetime learning through a Community (apart from Program content)

Join like minded people to interact with on CHARTS, Domain KNOWLEDGE, Sector Expertise etc

4-5 months of teaching and mentoring
Can be extended based on queries, case studies

6-7 months of handholding

To clear doubts, correction of mistakes, independent walking in markets


10+ Assignments
Based on actual events happening in markets during the course


Case studies
Based on future growth understanding and pitfalls to avoid


Quizzes
To help you assess yourself whether you are progressing or not during the program

Presenting Stock idea by Learners to bridge the learning gap –this will be an approximate six month effort by all participants

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS INDEPENDENCE MONTH of 2022 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 15th Aug 2022

FEEDBACK By ALPHA LEARNERS

FEEDBACK from batches

ACT NOW for your Independence

CONTACT us

Number of batches and batch size is very very limited considering live classes

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Digital Trends · Disruption · Finance · Medium Term trend

Credit cards vs UPI

Business Line
Finance · Real estate · Stock Markets

FII Ownership below COVID Lows!!

FII Ownership below COVID Lows!!
Businessline
Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program Apr-22

With great pleasure and best wishes from all of you, we are delighted to launch

ALPHA Mentorship program

ALPHA LEARNERS

Art and Science of Investing

to make you Independent in stock markets

AVAIL EARLY BIRD OFFER till 25th April 2022

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, Opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and indicators including RSI, MACD, STOC RSI, EMA, TEMA, DEMA, Trends, SL

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Concept of Futures and options

4 Bonus sessions (apart from Program content)

Mutual Funds

Financial planning

IPO and

Big money moves

3-4 months of teaching and mentoring
Can be extended based on queries, case studies

1-2 months of handholding

To clear doubts, correction of mistakes, independent walking in markets


10+ Assignments
Based on actual events happening in markets during the course


Case studies
Based on future growth understanding and pitfalls to avoid


Quizzes
To help you assess yourself whether you are progressing or not during the program

Presenting Stock idea by Learners to bridge the learning gap –this will be an approximate six month effort by all participants

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS NEW YEAR 2022 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 15th April 2022

FEEDBACK By Ongoing ALPHA LEARNERS

FEEDBACK from ongoing batches

ACT NOW for your Independence

FEEDBACK By Ongoing ALPHA LEARNERS

CONTACT us

Number of batches and batch size is very very limited considering live classes

Major part of this initiative will go towards orphan children education and food

Do make use of this opportunity and be part of bigger initiative

Connect with us to help genuine needy children

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program Jan22

With great pleasure and best wishes from all of you, we are delighted to launch

ALPHA Mentorship program

ALPHA LEARNERS

Art and Science of Investing

to make you Independent in stock markets

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run–like how to evaluate management, how to evaluate certain corporate actions, how to understand direction of company

Fundamental Quantitative concepts to substantiate what we have seen qualitatively, understanding ratios and numbers like margins and numbers like EBITDA, PAT, OPM, Financial Ratio, Valuation ratios PE, PB, PS, EVEBITDA, ROE, ROCE, Debt, equity and many other deep ratios to understand whether stock at right price or not

Learn about cost of capital, working capital cycle, inventory turnover, asset turnover, interest coverage, pledging(good or bad)

Why Dividend is good or bad

How long we can hold a stock or when to leave the stock

Capex, opex and how it impacts and when it impacts

Why certain high pe stocks keep on running and low pe stocks remain down

Red flags and green flags

Necessary Technical aspect to make our entry and exit better in stocks ,oscillators and indicators including RSI, MACD, STOC RSI, EMA, TEMA, DEMA, Trends, SL

Technical aspect and understanding of Price Volume action, candlestick patterns ( bullish, bearish, single, double, triple patterns)

Technical understanding of Targets from different patterns, How to look for patterns and when to look for which pattern

Resources to analyze faster to analyze more companies faster

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding–how to categorize moats, what is real moat, what is fake moat

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Reading Cash flows in simple way to understand where money is being moved in company

Reading Quarterly, half yearly, yearly results and interpreting them better

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Big money moves aspect to understand where money is moving

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Concept of Futures and options

4 Bonus sessions from experts (apart from Program content)

Mutual Funds

Financial planning

IPO and

Accumulation Distribution session

3-4 months of teaching and mentoring
Can be extended based on queries, case studies

1-2 months of handholding

To clear doubts, correction of mistakes, independent walking in markets


10+ Assignments
Based on actual events happening in markets during the course


Case studies
Based on future growth understanding and pitfalls to avoid


Quizzes
To help you assess yourself whether you are progressing or not during the program

Presenting Stock idea by Learners to bridge the learning gap

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS NEW YEAR 2022 be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 1st Jan 2022

FEEDBACK from ongoing batches

ACT NOW for your Independence

FEEDBACK By Ongoing ALPHA LEARNERS

CONTACT us

Number of batches and batch size is very very limited considering live classes

Major part of this initiative will go towards orphan children education and food

Do make use of this opportunity and be part of bigger initiative

Connect with us to help genuine needy children

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

Essential Cash Flow Tips for Small Business Owners

Guest Blogger : Michael

For more valuable financial resources, check out the Alpha Affairs website!

Cash flow issues sink small businesses every single day. If you’re not on top of your cash flow, future financial problems are inevitable. Learning about common cash flow issues and good financial management practices will ensure you don’t fall victim to the mistakes made by many other small business owners. Below, we share some great tips to help you establish good cash flow practices from day one!

Protect Your Personal Assets

Before concerning yourself with your business finances, make sure your personal financial health is in good standing. Many first-time entrepreneurs don’t think about the fact that their personal assets are at risk in the case of litigation or overdue business debts. Shield yourself from financial hardship by establishing your business as a separate legal entity.

One of the easiest ways to do this is to form an LLC. Besides shielding your personal assets, forming an LLC will also offer tax advantages that can further support your financial health. You can form an LLC online through formation services like ZenBusiness. Just make sure you review the rules and regulations around forming an LLC in your specific state before moving forward!

Speed Up Accounts Receivable

The faster you can get money coming in, the better. Collecting money owed to you by customers and clients will ensure you have the cash you need to pay your bills on time. Thankfully, there are many things you can do to speed up your accounts receivable. Consider asking clients for a deposit before starting work on a project. Invoice your clients as soon as the work is done. And make it as easy as possible for people to send you money by setting up digital payments. If your clients tend to wait a long time before paying their invoices, consider establishing late penalties or early payment discounts to incentivize them to pay faster.

Cut Your Ongoing Expenses

Many small business owners don’t start thinking about making expense cuts until they’re facing tough times. But to keep your cash flow strong, try to be mindful of your spending at all times. Always be on the lookout for ways to reduce your ongoing expenses, whether this means downgrading to a less expensive email service provider or reducing the size of your office and hiring remote employees. When cutting costs, don’t sacrifice the quality of your products or your customer service. As MoneyHighStreet explains, striving for high levels of customer satisfaction and encouraging repeat business is much more affordable than continuously looking for new customers.

Stabilize Cash Flow with a Line of Credit

Cash flow naturally fluctuates throughout the year. As consumer shopping behavior shifts with the seasons, it can be tough to keep up with your spending needs. For example, if you need to purchase extra inventory ahead of the holidays, you may be short on working capital for a while. This is where a line of credit can help you out. A line of credit will allow you to access cash quickly, so you can pay bills or purchase inventory when your cash flow slows down. Unlike traditional loans that require a long and drawn-out application process, lines of credit make money available whenever you need it.

Lines of credit are ideal for established businesses but may not be available for startups. According to ZDNet, most lenders will require that your business has been operating for at least 6 months and earns an annual income of $25,000 or more. You may have to rely on a personal line of credit until your business is established enough to qualify for its own.

Maintaining healthy cash flow is key to the long-term success of your business. Make sure you always have the working capital you need to pay the bills and your business is sure to thrive! Taking steps to cut your costs, speed up your accounts receivable, and stabilize your cash flow will go a long way towards securing your financial future.

Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program OCT

With great pleasure and best wishes from all of you, we are delighted to launch

ALPHA Mentorship program

ALPHA LEARNERS

Art and Science of Investing

to make you Independent in stock markets

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run

Fundamental Quantitative concepts to substantiate what we have seen qualitatively

Necessary Technical aspect to make our entry and exit better in stocks

Resources to analyze faster to analyze more companies faster

Big money moves aspect to understand where money is moving

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary and derivatives market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Concept of Futures and options

4 Bonus sessions from experts (apart from Program content)

Mutual Funds

Financial planning

IPO and

a SURPISE session

3 months of teaching and mentoring
Can be extended based on queries, case studies

2 months of handholding

To clear doubts, correction of mistakes, independent walking in markets


12 Assignments
Based on actual events happening in markets during the course


Case studies
Based on future growth understanding and pitfalls to avoid


Quizzes
To help you assess yourself whether you are progressing or not during the program

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS INDEPENDENCE MONTH be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 30th Sep 2021

FEEDBACK from ongoing batches

ACT NOW for your Independence

CONTACT us

Number of batches and batch size is very very limited considering live classes

Major part of this initiative will go towards orphan children education and food

Do make use of this opportunity and be part of bigger initiative

Connect with us to help genuine needy children

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Goals · Investing · Learning · Stocks · Success · Uncategorized · Wealth creation

ALPHA LEARNERS – Mentorship program

With great pleasure and best wishes from all of you, we are delighted to launch

ALPHA Mentorship program

ALPHA LEARNERS

Art and Science of Investing

to make you Independent in stock markets

A PROGRAM TO MAKE YOU LEARN AND EARN

This is a unique live program for approx. 5 months (on weekends) Where one can learn necessary

Fundamental Qualitative concepts to understand the things which create wealth in long run

Fundamental Quantitative concepts to substantiate what we have seen qualitatively

Necessary Technical aspect to make our entry and exit better in stocks

Resources to analyze faster to analyze more companies faster

Big money moves aspect to understand where money is moving

Understand Contrarian, Cyclical, Value and Growth investing

Bucket and GRADE Framework

Business Moats understanding

Exit Strategies in stocks

Reading Balances sheet in simple way to analyze results and issues to make quick exits or to do pyramiding after results

Tricks and Checklist for faster analysis of Annual Reports to help us all understand whether to deep dive or not

Conf-call understanding, Transcripts Concepts and Tricks to understand faster

Concepts and tricks on various intricacies in stock market

Understanding about primary, secondary and derivatives market

Also get a KNOWHOW on

Checklist for stocks to identify red flags faster

Checklist for deep dive into selected stocks

How to build Portfolio for Short term

How to build Portfolio for Long term

How to find Multi bagger stocks

How to avoid pitfalls in market

When to exit stocks

Concept of Futures and options

4 Bonus sessions from experts (apart from Program content)

Mutual Funds

Financial planning

IPO and

a SURPISE session

3 months of teaching and mentoring
Can be extended based on queries, case studies

2 months of handholding

To clear doubts, correction of mistakes, independent walking in markets


12 Assignments
Based on actual events happening in markets during the course


Case studies
Based on future growth understanding and pitfalls to avoid


Quizzes
To help you assess yourself whether you are progressing or not during the program

This is a program YOU CAN NOT AFFORD TO MISS


LET THIS INDEPENDENCE MONTH be the start of your journey towards INDEPENDENCE IN STOCK MARKETS

ACT NOW for your Independence

CONTACT us

AVAIL EARLY BIRD OFFER till 31st Aug 2021

ACT NOW for your Independence

CONTACT us

Number of batches and batch size is very very limited considering live classes

Major part of this initiative will go towards orphan children education and food

Do make use of this opportunity and be part of bigger initiative

Connect with us to help genuine needy children

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

Traditional vs DeFi

TRADITIONAL VS DEFI
Source : VAK
Finance · Learning

DEX : DeFI ecosystem

DEX : DEFI ECOSYSTEM
Finance · Learning · Wealth creation · Wealth destruction

Coffee Can and 21% CAGR for 20 years!!

Source : Tijori
Finance

Hidden dangers of buying individual stocks

HIDDEN DANGERS OF BUYING INDIVIDUAL STOCKS
Source : Nick

Finance · Stock Markets

Accredited Investors Tag: Coming soon

ACCREDITED INVESTORS TAG: COMING SOON
Business Line
Bonds · Finance · Interest Rate NCD · Investing · Mutual Funds · Stock Markets · Wealth creation · Wealth destruction

Investments in 2020 : Are you on track?

Investors, depositors, bitcoin holders, precious metals and indian equities
source Business line
Finance · Goals · Habits · Wealth creation · Wealth destruction

Investor Dilemma : Nash Equilibrium

Nobel prize winning economist John Nash created the pay off matric for prisoner’s dilemma.

Focusing on Nash equilibrium is important for best desirable outcomes

Prisoner Dilemma
Source Value research

Investor Dilemma
Source Value research

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

Compound interest Waiver: Eligibility and benefits

COMPOUND INTEREST WAIVER: ELIGIBILITY AND BENEFITS
Source : Business Line
Economy · Finance · Stock Markets · Stocks

SBI CARDS : What’s Unfolding

Q2 FY21 results fo SBI cards are out and does not look great on few fronts although long term story seems intact as of now

Few snaps from SBI recent investor presentation where we can see the lagging part from company as compared to previous year FY20

SBI Cards : Declining portfolio growth, SBI Cards : Increasing NPA , SBI Cards : Declining PAT

SBI Cards : Declining portfolio growth
SBI Cards : Declining PAT
SBI Cards : Increasing NPA

Looks better to wait for right entry price : NOT a RECOMMENDATION

Finance

Financial Basics : RBI tweaking Risk Weights

FINANCIAL BASICS : RBI TWEAKING RISK WEIGHTS to make home loans cheaper
Source : Business line
Finance

Financial Basics : Joint holders addition or removal

Source : Hindu Business line
Emergency funds · EMI · Finance · Loans · Wealth creation · Wealth destruction

Borrowing against Investments : Beware or Be Aware

In times of trouble, lot of avenues available to monetize your investments and borrow against them.

You need to be aware of what is available and at what rate? Kind of repayment flexibility available. Read more

BORROWING AGAINST INVESTMENTS : BEWARE OR BE AWARE
Business lIne

Digital Trends · Finance · Learning · Stocks

UPI payments : BE AWARE

UPI payments being charged beyond 20 transactions/month
Business line

Finance · Investing · Learning · Stock Markets · Stocks

Understand few ratios

Three common ratios ( D/E), (Debt Service Coverage ratio) and (Interest service coverage ratio) represented in annual report and discussed at various places in quarterly results of many companies.

These numbers, if not given, can also be calculated if few details are looked into the report carefully

Debt to equity ratio, Interest service coverage ratio

Finance · Stocks · Twitterfeed

DUE DILIGENCE AFTER BUYING? WHY?

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Stock Markets · Stocks · SWOT

SWOT Analysis : DHANUKA

This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.

SWOT means

S – Strength of a company

W- Weakness of a company

O- Opportunities available for a company

T – Threats for a company

Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.

 Also ReadSWOT- Parag Milk Foods

Also ReadSWOT- SBI CARDS

SWOT : Dhanuka Agritech
SWOT : Dhanuka Agritech

Also Read – New to Stock Market : Part 1 : As Investor or Trader?

Also Read Invest in stock markets only if

SWOT : Dhanuka Agritech
SWOT : Dhanuka Agritech

Investing is buying right stocks with right allocation at right price at opportune time with exit strategy in place Experience counts!!

Lets invest!!

Join our Equity booster plan at very nominal fees get in touch https://wa.me/919740311223?text=interestedinequityboosterplan

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Habits · Hookup · Inspirational · Investing · Learning · Mega trends · Photography · Stocks

Weekend HookUp: June 13, 2020

Weekend HookUp: 13 June, 2020

Daily habits which drains you; Naturals icecream; Leadership and Megatrends; Photography

Daily Habits: 10 Daily habits that drain your energy (Deeph)

Naturals: Ice-cream and summer of COVID-19 (BQ)

Leadership: Mega-trends and leadership : value investing (Youtube)

Photography: Free Software a photographer inside you needs (Lights)

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · History · Hookup · Inspirational · Investing · Learning · Stocks

Weekend HookUp: June 06, 2020

Weekend HookUp: 06 June, 2020

Flexible EMI repayment; PVR losses; How to disagree; What we can do to help while volunteering; Kerala’s Rubber Man

MOVIES: PVR Our losses are mounting (Forbes)

Finance: Flexible EMI repayment options may burn hole (Mint)

Leadership: How to disagree respectfully(Magneticspeaking)

Volunteering, Activism: What we can do to help : First Steps in activism (Medium)

Rubberman: JJ Murphy Kerala’s rubber man (LHI)

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Stock Markets

Stop falling to SIP propaganda if..!!

Should we stop our SIP
Source : Subramoney

Read full article at we have all stopped our SIP

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Health · Hookup · Life · Stock Markets · Travel

Weekend HookUp: April 18, 2020

Weekend HookUp: 18 April, 2020

Life: 12 step strategies (Forge)

Economy: Dharavi Economy goes down the tubes (Livemint)

Travel Industry: How travel industry is impacted (Forbes)

Health in Lock-down : Parents and Kids exercise (Superman mode) (Youtube)

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Stock Markets · Stocks · SWOT

SWOT Analysis : SBI Cards

This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.

SWOT means

S – Strength of a company

W- Weakness of a company

O- Opportunities available for a company

T – Threats for a company

Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.

 Also ReadSWOT- Parag Milk Foods

Also Read – New to Stock Market : Part 1 : As Investor or Trader?

Also Read Invest in stock markets only if

SWOT ANALYSIS : SBI CARDS STRENGTH AND OPPORTUNITIES
SWOT Analysis : SBI CARDS Strength and Opportunities
SWOT ANALYSIS : SBI CARDS WEAKNESS,THREATS AND WATCH OUT THINGS
SWOT ANALYSIS : SBI CARDS Weakness,Threats AND Watch OUT things

Also ReadSWOT- Dhanuka

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Wealth creation

Guide to navigate tough times financially

Conserve Bank Balance and hold cash as much as possible. Keep expenses at minimum

Prepare mentally for a pay cut or a job loss or bench job with reduced pay. Use that time to improve your skill set and come out mentally stronger. Don’t hesitate to seek help from experienced people

Avoid borrowing even from friends or relatives. Switch to debit card for optimum spending.

In case unable to pay credit card dues, opt for moratorium or switch your credit card dues to personal loans (available at lower interest rates)

Make a mental list of assets which can be liquidated if required and decide the order of liquidation in case of mishap. It can be gold, equity funds, artwork etc. Remember these material things can again be bought in Good Times. These are the times when your life your precious one’s life & well being is most important.

Keep looking for opportunities in your job and life which can spring up in this time of crisis.

Discount extreme theories of pessimism and optimism. Keep your head cool and high with confidence.

Keep helping people in need during the crisis. Social bonds created during this time will last longer

Stay Safe,Follow Social distancing and remember prevention is better than cure

Also Read :

You should not invest in Stock Market

You should invest in Stock Market

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Health · Hookup · Life · Stock Markets · Wealth creation

Weekend HookUp: March 29, 2020

Weekend HookUp: 29 March, 2020

Life: The 1 Percent Rule (James Clear)

Investment: Unknown man became Billionaire from one Idea (Ridgewood)

Psychology : Investment Quotes (DollarsandData)

Health: Sugar : The Bitter Truth (Youtube)

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Hookup · IPO · Stock Markets · Stocks

SBI Cards IPO listing – What to do on listing day and further

Disclaimer : This is my view point and can be biased or totally wrong. Please consult your financial adviser before acting on the strategies discussed below. Any losses originating out of same is your sole responsibility. Article assumes reader has basic knowledge of markets/IPO and it’s associated risks.

Read on SBI cards Business Strengths, Oppurtunities, Weakness, Threats in the post SBI CARDS IPO. We will discuss in this post on what could be an investor strategy once its listed on 16th Mar20.

Since Market scenario has turned bad as compared to IPO subscribe days, its better to be prudent in investing. Just pulling back line from old article on subscription strategy, the longer term strategy will remain as such

One can subscribe to SBI cards IPO if one can hold the shares for 3 to 5 years and looking for long term gains

Note taken from earlier post on subscribe or not : SBI CARDS IPO.

Case 1. No Allocation happened in IPO

This could very well turn out to be a blessing in disguise as you have money available to put in stock market. Whereas others are finding it challenging to arrange money to buy stocks available at cheap valuations after a drastic fall, you are spoilt of choices.

Action 1–> Keep some money ready for SBI cards and allocate rest amount to buy other quality stocks in market

Action 2–> If Listing happens at premium of +15-25% IPO price, you need not to do anything. Wait for correction in stock price before initiating your position

Action 3–> If Listing happens at +/- 5% of IPO price, you need not to do anything. Wait for correction in stock price before initiating your position

Action 4–> If Listing happens at -20% of IPO price or share price moves down 20% from IPO price ( approx 600 Rs), you can initiate buying and can put 33% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.

Case 2. You got 1-2 lots allotted in IPO

Action 1–> Sell all allotted shares of SBI cards if listed at 20-25% premium to IPO price and wait for re-entry

Action 2–> If Listing happens at +/- 5% of IPO price, you need not to do anything and wait for further correction before averaging down your price

Action 3–> If Listing happens at -20% of IPO price or share price moves down 20% from IPO price ( approx 600 Rs), you can initiate buying and can put 25% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.

Action 4–> Buy 50% or more of money kept aside if share price moves down 40% from IPO price ( approx 450 Rs).

Case 3. You got 5 or more lots allotted in IPO

Action 1–> Sell all allotted shares of SBI cards if listed at 15-20% premium to IPO price and wait for re-entry.

Action 2–> If Listing happens at +/- 5% of IPO price, you need not to do anything and wait for further correction before averaging down your price.

Action 3–> If Listing happens at -25% of IPO price or share price moves down 25% from IPO price ( approx 530 Rs), you can initiate your further buying and can put 20% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.

Action 4–> Buy 50% or more of money kept aside if share price moves down 50% from IPO price ( approx 375 Rs).

Things to watch out for in coming years to stay invested or move out

Slowing economy may led to lot of defaults. NPA % is sure thing to watch out for

Rich Valuations at IPO time may take longer time to deliver mutlibagger returns and if any quarter results are not as good as expected, these rich valuations may play havoc

Emergence of new player to snatch market share. Keep watch out for AXIS Bank and ICICI Bank market share vs SBI Cards market share

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Hookup · IPO · Stock Markets · Stocks

IPO Hookup: SBI Cards – Subscribe or not ?

Subscribe SBI CARDS IPO or not ?

Few things on SBI CARDS IPO to help you decide whether to go ahead with subscribing for IPO or not.

Strength/Oppurtunities

Healthy Balance sheet

Strong parentage backup (subsidiary of SBI)

Second largest credit card issuer in India with 18%

Low credit card penetration in India ( @ 3% only) . Developed markets have this ratio @300%

Largest co-brand credit card issuer, having partnerships with several major players.

Will become the only listed company in India in this space.

Weakness/Threats

Fast usage of UPI interfaces may led to increased competition

Fast usage of mobile wallets may led to decline of credit card users or slow penetration into new user base

Unsecured credit may lead to high NPA

High Valuations

Subscribe or not?

One can subscribe to SBI cards IPO if one can hold the shares for 3 to 5 years and looking for long term gains

Things to watch out for in coming years to stay invested or move out

Slowing economy may led to lot of defaults. NPA % is sure thing to watch out for

Rich Valuations at IPO time may take longer time to deliver mutlibagger returns and if any quarter results are not as good as expected, these rich valuations may play havoc

Emergence of new player to snatch market share. Keep watch out for AXIS Bank and ICICI Bank market share vs SBI Cards market share

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Stock Markets · Twitterfeed · Uncategorized

Dilemma : Remain invested or hold cash in stock market

A dilemma every investor face : To remain invested in market or be fearful and cash out.

NO doubt, abundance of cash will allow you lot more investment flexibility than other people in market, more so in such volatile times or bloodbath in share market. But for that, you have to pass so many good looking (but not good) opportunities when markets are going up to preserve your cash.

Cash is King in stock market

On the other hand, if you are fully cash out in times of fear, you will miss the amazing wealth creation journey as shown below

Remain invested in market

So these two tweets shows exactly the dilemma one faces. As John Keynes quoted long time back –“Markets can remain irrational longer than you can remain solvent

Markets can remain irrational for longer times
Markets can remain irrational for longer times

So the key here is to have correct portfolio allocation.

You should know which opportunities to let pass by. That can only happen when you don’t work on tips but study the business (ok, i mean share) in which you are going to invest.

If you can’t understand Balance sheet or cash flows, no problem.

As long as its not a penny stock chosen by you, you can just start with a basic google search about management integrity or business viability as a macro picture and things will start to appear. Take help to understand bigger picture of business. Understand the parameters for different kind of business. Is it cash guzzler or work on leverage? Is it a high margin business or high volume business?

So if your basic search, sanity checks on company itself shows you own a dud investment, be fearful and cash out. Deploy that cash to buy quality stocks further. Not only it will avoid to push more cash from your pocket but also trim your future losses.

So the cash you generally deploy for below par investments can be saved by doing some basic sanity checks on a company and that cash can be really useful in bloodbath in share market. You will get good companies at prices which will be seen as missed opportunity by people who don’t have cash.

Before i leave you to ponder on further details about the companies, do remember

A great company may not be a great investment!!

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance

BANKWISE ATM/POS/CARD STATISTICS till Dec’19

https://rbidocs.rbi.org.in/rdocs/ATM/PDFs/ATMCS122019503EA32B5C4A44519E548866B04FB926.PDF

Finance · Wealth creation

Berkshire Hathway 2019 (latest) & 2018 Annual Letters

https://www.berkshirehathaway.com/letters/2019ltr.pdf

https://www.berkshirehathaway.com/letters/2018ltr.pdf

Also Read :

You should invest in Stock Market

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Finance · Wealth creation

Avoid 10 Basic Mistakes in Journey of Wealth Creation

Avoid putting all eggs in one basket

Avoid Ponzi schemes e.g. Emu farms, Speak Asia, Tulip Bulbs etc

Avoid buying under construction property as much as you can

Avoid buying second house/flat for renting purpose only

Avoid liabilities and build assets first e.g. buying home should come first and buying a car second

Avoid Mixing Investment and Insurance e.g. ULIPS or Life endowment policies

Avoid spending first and saving later

Avoid credit card amount rollovers to next billing cycle

Avoid investing on tips

Avoid having short term horizon for your investments

Also Read :

You should not invest in Stock Market

You should invest in Stock Market

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Automobiles · Finance · Health · Hookup · Stock Markets · Stocks · Travel

Weekend HookUp: February 9, 2020

Weekend HookUp: 9 February, 2020

Stocks: Blue Chips with almost zero returns in a decade (NT)

Travel: Agra Beyond Taj (Livehistoryindia)

Auto: 10 worst Indian Cars of a decade (TeamBHP)

Health: Ideal level for Ketosis (Livingwellwithketo)

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Emergency funds · Finance · Goal Based Investing · Stock Markets · Wealth creation

Want to Start investing in Stock Market

As lot of people keep asking me regarding the specific financial advice when entering a stock market, this quick-read article gives you some pointers before you jump into stock markets

Start Early

Start NOW
Start NOW
  • Best advice anyone can give to you is to Start Early and Early means NOW
  • Whether you are earning 5k/month or 5lac/month, you need to start asap.
  • Only when you start early, you can finish or reach your goal early
Finish Early
Finish early

Emergency Fund

Emergency fund is a lifeline
Emergency fund is a lifeline
  • A must step!! Build an emergency fund equivalent to 3-6 months expenses
  • Understand the importance of emergency fund. There is no second thought about it.
  • Always maintain the emergency fund and review it on yearly basis.
  • Increase the emergency fund every year

Read in detail : Emergency funds

Buy Life Insurance & Health Insurance

  • These two insurances should be in addition to any insurance cover your employer provides.
  • Buy an appropriate term policy life cover (minimum 25 times of annual income)
  • Buy an adequate health insurance (minimum 20 lacs)

Also Read : You should invest in Stock Market if

Also Read : You should not invest in Stock Market if

Become Debt free

  • Apart from home loan, there should not be any debt.
  • Clear off your credit card debts, gold loans, car loans.

Establish a household budget

  • Maintain an elaborate budget with expenses under different heads
  • Don’t run away from noting down every single expense ( every rupee for that matter)
  • Keep %age of money for stock market investment and %age of money for other asset classes
  • Follow Save first, spend later approach.

Follow Goal based investing

  • Split your saving across different and appropriate set of investments
  • Park your money in Fixed deposits, Recurring deposits, liquid funds, debt funds, gold.
  • Start investing in Stocks and mutual funds when you are done with above steps
Goal Based Investing
Goal Based Investing

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Emergency funds · Finance · Stock Markets · Wealth creation

Emergency funds : First step in personal finance and gateway to wealth creation

Importance & need of emergency funds

Emergency fund is money which comes to your rescue when something unexpected pops up in our daily routine. One needs an emergency fund as life is very unpredictable. Something that can go wrong will eventually go wrong at wrong time.

Just think of emergency fund as a lifeline thrown at you when you are drowning and this article is about creating that lifeline yourself

Treat emergency fund as a Lifeline
Treat emergency fund as a Lifeline

One may need to travel unexpectedly (we all know how much bomb a ticket costs at last minute) or there could be medical emergency (Generally Life insurance or medical insurance will work for this but by the time insurance claim comes to you, you need to survive yourself and family and pay hospital bills) You need funds for that.

Or worse if you are working in an industry where jobs are not secure and layoffs are frequent, such a fund becomes mandatory.

You wouldn’t be forced to reach out to family or your so called friends for help and further You also wouldn’t have to accept the first job offer that lands on your plate in such a scenario

Need of emergency fund
Need of emergency fund

How much to keep aside for emergency funds

Basic Thumb rule is to have minimum of 3 months and maximum of 12 months of expenses as your emergency funds. e.g, if your monthly income is Rs. 50000 and you spend Rs 45000 month on an average and save 5000 Rs per month then you should have minimum 45000*3 =135000 as your emergency fund.

  • Minimum of 3 month expenses in highly liquid form (365*24*7)
  • Minimum of 3 month expenses in fast-accessible liquid form (T+1 days)
  • Approximate 3 month expenses in easily accessible liquid form (T+3 days)
  • Approximate 3 month expenses to be put aside in somewhat inaccessible liquid form e.g. 9 month fixed deposit or 1 year fixed deposit

Best way to calculate emergency fund

  • Monthly Expenses should cover Home EMI, personal loans, car loan installments, household expenses, school fees, grocery bills, phone bills, personal grooming expenses etc.
  • Best way to arrive at monthly expenditure is to divide yearly expenditure by 12. This is only possible if you know your yearly expenditure by having household budget and maintain every single expense in that.
  • Second best way is to add all major expenses in a year and divide by 10 (instead of 12) to arrive at approximate monthly expense.
  • To hedge against inflation, multiply this emergency fund by 1.1 to arrive at real number assuming a 10% inflation in education, travel & medical fields

Review of emergency funds

  • Review it on yearly basis
  • Keep adding some money to emergency fund based on increased expenses
  • Adjust for inflation and add funds accordingly
  • Foresee any emergency in next few months and add funds

Where to keep emergency funds and accessibility time

Asset%age of emergency fundStorage modeHow to
access
Accessibility
days
Cash15 % Safe vault at homeDirect365*24*7
Liquid Bank Balance50% FD/RD/Saving account Cheque/NEFT/
IMPS/UPI
365*24*7 to T+(1 to 2) working days
Debt Mutual Funds30% Ultra short duration funds, liquid fundsDemat account/
Cheque/
NEFT
T+(1 to 2) working days
Goldnot more than 5-10% Safe vault at homeSell to JewelerJeweler working hours
Other avenues which can be used How much % to use in case of emergencyHow to useAdvantageDisadvantage
Credit card25% Make a habit to not cross 75% of allocated limit. Reserve 25% of credit card limit as emergency fund usageIt will give you 20-40 days to arrange funds from other resources.
Debt trap
Real estate Neither recommended nor preferred Additional plot/flat can be used to serve this purposeHuge amount will be availableHighly illiquid. May be sold at high discount to market in emergency and may take months
Stocks/
equity Mutual funds
Neither recommended nor preferred Sell in marketEmergency funds may grow fasterMay be sold at high discount to market in emergency. T+3 working days to access funds
Emergency funds : Different assets and modes to access

Also Read :

You should not invest in Stock Market

You should invest in Stock Market

Gateway to Wealth creation

You can safely assume the emergency fund as gateway to wealth creation. Until you pass this gateway, dont dare to think of entering stock market.

The point i want to bring to your attention is — if you have build up emergency fund and saved enough money further (approximate 2 year expenses) in bank account then such a huge money can give you access to new opportunities in stock market.

Let’s say the economy crashes and potential layoff’s are round the corner and eventually stock market crashes and asset prices are below their intrinsic values. In such a scenario, instead of selling your stocks at penny prices, you would have enough disposable money to take advantage of stock market and build up new positions without fear.

Do keep in mind that Stock market is a risky place and there could be times where the market is down for quite a long time and you do not want to sell your securities at highly discounted rate, this kind of emergency fund may help you to pass through such bad times without worrying about any unforeseen risks in your daily life.

Last but not the least You need to have more than few of the personal qualities to succeed e.g.

  • Always maintain the emergency fund and review it on yearly basis.
  • Increase the emergency fund every year
  • You have willingness to admit to mistakes and flexible to change your views.
  • You do not panic frequently at home/office
  • You can deal with uncertainty with ease
  • You have disciplined approach and follow process instead of gut feelings in decision making
  • You are self reliant and willing to do an independent research

In case you have any questions/ queries, please feel free to reach me through Contact Form

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Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Automobiles · Finance · Health · Hookup · Stock Markets · Stocks

Weekend HookUp: February 1, 2020

Weekend HookUp: 1 February, 2020

Stocks: Algorithmic trading (Mint)

Stocks: Fearless : Microcaps (MCC)

Auto: Honda City 2020 (ICN)

Health: Vitamin D deficiency & related Illness (Health)

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Automobiles · Finance · Health · Hookup · Startups · Stock Markets · Stocks

Weekend HookUp: January 25, 2020

Weekend HookUp: 25 January, 2020

Stocks: Pay Attention to road stocks (OB)

Startups : Byju-to-Swiggy-Unicorn race (BS)

Auto: Tata Gravitas (ICN)

Diet: Intermittent Fasting benfits (Health)

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Finance · Fitness · Health · Twitterfeed

Start Small and make it big

Finance · Holidays · Hookup · Travel

Weekend HookUp: January 11, 2020

Weekend HookUp: 11 January, 2020

Startups: It pays to be in Bengaluru (Mint)

ITR Forms : New ITR forms for FY20-21 (Mint)

Retirement : 12 steps before retirement (Subramoney)

Travel : Backpacker’s paradise Araku Valley (Araku)

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Finance · Stock Markets · Stocks

You should invest in Stock Market if

You can afford to lose money without that loss having any affect on your and your family daily life in the foreseeable future.

You do not need money in immediate future (means within 2-3 years) e.g.

You decided to diversify your income streams.

You decided to get out of losing your savings from inflation

You are not fortunate to have a windfall family inheritance to live off.

You know stock market is a risky place and can differentiate between investing, trading and speculating. Read more in

You are aware that in long run, Equity investing is the best investment theme as compared to GOLD, FD, CD, BONDS, REAL ESTATE

Last but not the least You have more than few of the personal qualities needed to succeed e.g.

  • You are patient and have a common sense
  • You can detach yourself from the owned assets/liabilities
  • You have willingness to admit to mistakes and flexible to change your views.
  • You do not panic frequently at home/office
  • You can deal with uncertainty with ease
  • You have disciplined approach and follow process instead of gut feelings in decision making
  • You are self reliant and willing to do an independent research

Also Read : You should not invest in Stock Market if

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

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Finance · Stock Markets · Stocks

You should not invest in Stock Market if

You need money in immediate future (means within 2-3 years) e.g.

  • You are planning to do higher studies in near future
  • You need to pay for your college education soon
  • You are aware that one of your immediate family members or yourself have to undergo surgery soon
  • You need to close a loan soon
  • You are saving for down payment to buy a house soon

You decided to live on fixed income e.g.

  • You are an older person who needs to live in the comfort of fixed income
  • You are a young person who don’t want to work and live off of a fixed income from a windfall family inheritance

You do not have control over your emotional behavior e.g.

  • You can not detach yourself from the owned assets/liabilities
  • You are not able to admit mistakes
  • You panic frequently at home/office
  • You can not make decisions without complete information
  • You are too adamant to change your views
  • You mostly go by your gut feelings

Also Read : You should invest in Stock Market if

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Finance · Mutual Funds · Stock Markets · Stocks

Mutual Fund Stock Buys in Nov 2019

Mutual Fund betting Big on Big Stock Companies

Mutual Fund get into buying mode and betting Big on Big Stock Companies
Source : ET

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Finance · Gadgets · Hookup · Telecom

Hookup: December 15, 2019

HookUp: 15 December, 2019

Gadget Canon EOS ; Mobile Number Portability ; Aadhar Pan Linking;

Telecom : Eligibility for Mobile Number Portability (Mint)

Gadget: Canon EOS 90D (Gadgetsnow)

Finance / Tax: Aadhar Pan Linking mandatory (Mint)

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Diabetes · Finance · Health · Holidays · Hookup

Hookup: December 13, 2019

HookUp: 13 December, 2019

Type 2 Diabetes ; Trading Holidays in 2020 ; Investing on different planet;

Trading Holidays : BSE trading holidays in 2020 (BSE)

Investing: HDFC AMC : Are we on different planet (RC)

Health: Type 2 Diabetes : 7 foods that spike blood sugar (Everydayhealth)

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Finance · Stock Markets · Stocks · SWOT

SWOT Analysis : Force Motors Ltd

This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.

SWOT means

S – Strength of a company

W- Weakness of a company

O- Opportunities available for a company

T – Threats for a company

Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.

 Also ReadSWOT- Parag Milk Foods

Also Read – New to Stock Market : Part 1 : As Investor or Trader?

SWOT : Force Motors
SWOT : Force Motors

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Finance · Stock Markets · Stocks

Hospital Stocks Dose : Came to rescue as safe bets amid uncertain times

Hospital stocks

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Biking · Finance · Hookup · Life

Hookup: December 11, 2019

HookUp: 11 December, 2019

Finance; Biking; Life

Life: Irritated is a choice (Seth Godin)

Biking: Electric Bike (OB)

Finance: Millennial’s New Debt trap (Mint)

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Finance · Stock Markets · Stocks · SWOT

SWOT Analysis : NRB Bearings Ltd

This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.

SWOT means

S – Strength of a company

W- Weakness of a company

O- Opportunities available for a company

T – Threats for a company

Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.

 Also ReadSWOT- Parag Milk Foods

Also Read – New to Stock Market : Part 1 : As Investor or Trader?

SWOT : NRB Bearings
SWOT : NRB Bearings

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Finance · Hookup · IPO · Stock Markets · Stocks

IPO Hookup: Ujjivan Small Finance Bank – Subscribe or not ?

Subscribe Ujjivan Small Finance Bank IPO or not ?

Few Links on Ujjivan small finance Bank’s IPO to help you decide whether to go ahead with subscribing for IPO or not.

RBI Flags Concerns — BQ

Strong Fundamentals — ET

President speaks on Ujjivan SFB Strategy – FE

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Brokerage firms · Finance · Stock Markets

Karvy Mess : What Karvy Did and what you should do

If you have a Demat account with Karvy Stock Broking, you should immediately do two things before understanding in details what’s happening

Step 1: In case of idle fund, Transfer the amount in Karvy Demat account to your bank immediately

Step 2: In case of any underlying securities in Karvy account.

Open a Demat account with another broking firm and apply for transfer of securities. May be slow long process but one of the best things to do.

Then go to the below links to understand what’s happening and take further action

Karvy (BT)

Karvy (Mint)

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Finance · Hookup · IPO · Stock Markets · Stocks

IPO Hookup: CSB Bank – Subscribe or not ?

Subscribe CSB IPO or not ?

Few Links on CSB Bank’s IPO to help you decide whether to go ahead with subscribing for IPO or not.

CSB Bank IPO Opens — Mint

What Analyst Say for CSB Bank IPO — BS

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Finance

Financial Lessons from Maharashtra

Financial Lessons

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Finance · Twitterfeed

Buy from Passive Income: not from Paycheck

Live Life to Fullest

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Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

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Finance · Stocks · SWOT

SWOT Analysis : Parag Milk Foods

This is first in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.

SWOT means

S – Strength of a company

W- Weakness of a company

O- Opportunities available for a company

T – Threats for a company

Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.

Also Read – 

New to Stock Market : Part 1 : As Investor or Trader?

SWOT: NRB Bearings

SWOT: FORCE MOTORS

SWOT : Parag Milk foods
SWOT : Parag Milk foods

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

Finance · Stocks

New to Stock Market : Part 2 : As Investor or Trader or S ?

Just to remind you in case you forgot, previous article has a question (kinda, open book question) on whether you are entering the stock market as Investor or Trader?

Investor or Trader

Close your eyes and say loudly what you have chosen.

What did you hear? An Investor? Or Trader? Still confused?

I appreciate if you are almost cursing me. To me that means you are thinking!! I really want you to revisit the feeling again at closure of article and I hope wisdom dawns on you by that time 😊

You have been told/heard from so many known/unknowns that making money in stock market is simple (even government thinks so, hence long-term taxation introduced sometime back). And here is someone coercing you to choose a domain out of the two. Why?

Because unfortunately, the bigger world out there is different and looks something like this

Who’s S?

S believes in easy things & easy money. S need tips from people, from TV, from friends, from everywhere. Basically, most of us are S. We are in constant lookout for some hints/tips where money can be made. Any relevant names for S? Correct, S is a speculator. Period.

Now you know why one after another Ponzi scheme work and fool people. Its nothing but the lure of easy money.

Also read : New to Stock Market : Part 1 : As Investor or Trader?

Speculators are so much big in numbers that one can safely assume that they will be omnipresent. Below I try to show you the approximate pie area occupied by Speculators as compared to Investors & Traders

Don’t tell me World is not fair!!

Approximate %age of Speculators, Investors and Traders in Market

I can envisage a shocking realization for most of you.

Does above realization reduce our chances of making money or does it make it riskier?

No, in fact this many numbers of Speculators will make stock markets inefficient meaning Investors & Traders with right systems in place can make use of stupidity of large number of people to make money.

You see at times unfair world is advantageous!!

One can safely assume the swapped positions for speculators & investors/traders in above pie chart in terms of probability of making money. Let’s try to see the point rather than estimating accurate probability.

Approximate probability of money Investors, Traders or Speculators make

So, what you and I can do

1st step is to realize that there exists a big speculator in us and we will NOT FEED him.

Remember for once and all, Speculating and gaining money from market is as good as playing in Casino and hitting a Jackpot. Yes, people get lucky in casino and so are people in stock market by speculating. But unfortunately, how many will remain rich, that’s a question to answer before proceeding further.

The house wins in casino and investor, traders , brokerage houses wins in stock market. Only Once in a while speculator wins in casino and stock market.

One can still argue that probability of making money with speculation is not zero and we need only one stock to click despite many bets being failure. I don’t deny that tiniest possibility but do stick a note on your ego/laptop/mobile

undefined Speculation will destroy my wealth unless I’m super lucky

By speculating not only you can lose your money but might also put your survival at risk. I just don’t want to talk about the hit on your confidence levels in other fields as well as a side effect. I hope I have made my point clear and that is

Don’t tread the path of speculation

Wait!! You still did not the got the answer whether you choose the right domain!!

You can choose to be an investor or as a trader. Nothing wrong or right about it. Both are separate ways of making money and requires different skill set.

Investing requires you to understand the industry, company, its balance sheets, quality of management and a bit more.

On the other hand, trading requires you to be converse of the technical tools and a better control over your emotions apart from many other things.

In both cases, you need to do your homework well before putting your hard-earned money. Rewards are worth of effort being put and so are the risks on downside.

You must make sure that right systems are in place to reach the data point you need to make decisions.

Let’s begin with (newly) dawned wisdom and start rewarding ourselves.

What are the further steps? Let’s seek answers in next article

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Finance

Profit = Money?

Never get confused about the facts that it is most certainly possible for a firm to make :

Huge profit but still don’t have money.

Huge losses but still have lot of money

Then what one should look for

A firm making huge profit and have lots of money could be one of the starting point

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Finance · Twitterfeed

Debt: Disastrous Version

Finance

Getting Ready for Stock Market

Publishing Soon, Do pay a revisit in few days

Finance · Stocks

New to Stock Market : Part 1 : As Investor or Trader?

8-10 min read

Target Audience – Beginner

Before I congratulate you on taking a plunge in stock market, I must ask you
Are you ready to lose your invested money in one heap and start again and never breathe a word (not literally) about your loss?
If you hear yourself saying NO, please understand you are still NOT Ready for stock markets
If you heard YES, read further!!

Time is to congratulate yourself on the idea that you finally took a decision to venture into stock market. You have crossed a huge barrier which restricts millions of people to potentially earn more money.



Congratulations aside, Don’t just leave your job/studies by getting too excited about the idea of earning more money and jumping into stock market full time.
The idea of jumping full time into stock market has destroyed many people as compared to enriching few of them
Before you say b**ls**t, No, I’m not saying that you shouldn’t do it full time. Go through one full bull and bear cycle before considering it seriously.
The full journey will give you insights which no Book, Blog or a person can. The journey is unique and you have to develop your own strategy to master the markets
What i can do for you. I can help you through this journey when doubts creep in and you need a bit of hand-holding.
So whats the starting point? Get on-board and lets start the journey

By definition trader is the person who is engaged into buying or selling goods, currency or shares
So who is investor then-
By definition — a person that puts money into financial schemes, property, etc. with the expectation of achieving a profit.
Its pretty confusing and it seems both terms are interchangeable.
Ok, Ok , have you said, its about shareholding duration.
If a person buys or sells a share within a year, a month or a day, he is referred as trader. Investor is someone who keeps share for more than a year before he sells it.
So its partially true but largely false.
Before you kill me, Lets come to the point and see from the viewpoint of stock markets.
Broadly a person who is engaged in selling and buying shares based on technical data is called Trader while a person who is engaged in buying and selling shares based on fundamental data is called Investor.

Since technicals (moving average, candlestick etc) of a stock can change on daily, weekly and monthly basis and so on, hence the underlying assumption on which shares are bought remains valid for a shorter time period. Accordingly the person is engaged in buying and selling too frequently.

On the other hand, Fundamentals (earning, profit, cash flow etc) of a company change slowly over a period of time. A company can not become bad or good overnight or on weekly basis. e.g. it took Infosys 20 yrs to become overnight success story!!

Who’s best among Investor or Trader?
Both are best in their field and there is nothing wrong if you choose yourself as a trader or investor. But for the sake of increasing the probability of success in stock market, choose your domain and stick to it for a considerable period of time to hone your skills and make money.
Stock market is not a place for weak hearts anyway.

Closely look around among your peers, family, relatives, friends. There is a high probability that you are influenced by one of those saying that he’s milking the money in stock market and there is no better time for you to jump in. Did he tell you about losses he has made? NO?
Pretty high chances he’s a trader. I can put my neck on line for same.
Everyone has made losses whether investor or trader. Stick it on your wall and curse this fact.
Should you try first trading or investing? Its up-to you, Who am I to tell you or for that matter anyone!! Its your money!!

Being an investor increases your chances of success in longer run. It’s a low risk and high reward game as compared to trading which is a very high risk, very high reward game.
Trading involves overcoming your emotional behavior on real time basis and many of us fail at it (more on this in upcoming blogs) while investing gives you bit of time to take decisions rationally. No guarantee that you may pass 🙂
So ponder for a while to choose your domain first before jumping to a new article on stock market.
Also Read : Investor or Trader or S

In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.

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In case you have any questions/ queries, please feel free to reach me through Contact Form

Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.

Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.