Know 3 Ways How You Can Lose All of Your Money in the Stock Market!

No one invests in the stock market to lose money. Yet it often seems like the people who lose their shirts outnumber those who strike it rich. While there's no guaranteed way to prevent losing money in the market, recognizing these three common blunders can save your portfolio from a lot of pain.

Fear and greed are said to be the two emotions that drive most investing decisions, and following either of them can lead you to lose all of your money. While it's not easy to be devoid of all emotion when putting your money in the stock market, reining them in can help keep you from losing your shirt.

With that in mind, here are three common mistakes many investors make, both those new to investing as well as some old salts who have been through a few market cycles. Although there's no guarantee you won't suffer losses on a stock, recognizing these forced emotional errors can help you minimize the pain your portfolio experiences.

1. Day-trading (or even frequent trading)

Jumping in and out of stocks trying to time entry and exit points is a sure-fire way to lose your money, which is why you'll find there are few if any day-traders who have a long-term record of success.

There is a certain allure to the "easy money" that comes from buying and selling stocks as they twitch higher and lower, but in reality, it's a (small-f) fool's errand. It's hard enough to figure out what a stock will do five or 10 years down the road, let alone how it's going to react tomorrow or 15 minutes from now -- or three seconds from now! Yet day-traders are flitting from one position to the next, racking up transactional costs and hoping each trade wins.

It's just not easy to successfully make winning bets like that time after time. Yet beyond day-trading, even moving in and out of positions over days or weeks isn't any easier. It gives the impression that you know the precise time to buy in or sell out, but actually, you almost always miss the top or bottom, and a stock runs away from you.

There's a reason the most successful investors -- Buffett, Lynch, Klarman, and more -- are long-term buy-and-hold types. It doesn't mean they never sell, it's just that the times they do are few and far between. You'd be better off emulating their strategies than trying to time a stock.

2. Playing penny stocks

Along with buy-and-hold, the investing legends don't invest in penny stocks, and the reason is simple: It's because they are losing propositions. While here and there you may be able to find one company that makes good on its promise, the vast majority of times, you're going to wind up on the losing side of the coin toss.

There are a few reasons for this. Penny stocks are so tiny, they tend to be very thinly traded, which makes them ripe for manipulation. They also tend to be built on "ideas," but have few ways of achieving them. They tout they're turning themselves into the next Microsoft or Wal-Mart, but often, their promoters are just seizing on the latest hot idea -- lithium batteries, solar power, rare earth minerals, gold mining, etc. -- and they're trying to churn up interest in the stock to get the price to jump, so they can bail out and reap a windfall while you're left holding essentially worthless paper.

Sure, controlling thousands of shares for a relatively paltry investment is exciting, and if they only run up a few nickels in value, you've got a terrific score. Unfortunately, few penny stocks do that without being some pump-and-dump scheme. Ultimately, this isn't investing, but gambling, and the odds of winning are worse than going to a casino.

3. Using margin

Leveraging an investment by taking on debt in a bid to amplify a stock's return can be a powerful tool in the right hands, but like credit card debt that can quickly mire a person in a lifetime of servitude to paying it off, using margin is generally a losing bet.

It's not that margin is a complicated or sophisticated tool. It's actually very easy. Too easy, in fact. You're taking a loan out on the value of your portfolio and using the proceeds to buy stock. Yet because it is so easy to misuse, it should only be employed sparingly, if at all.

The problem is, in a rising market like the one we're currently enjoying, it's easy to think you're an investing genius, and all your picks will do well. Tapping into margin to enhance your returns is only good until the next nasty downturn, and then buying stocks on margin can become quite painful.

All it takes is just one stock you've margined to the max to drop in value -- and it doesn't even have to fall all that far -- and you can be faced with the dreaded margin call: Either put more money into your account immediately, or face having your portfolio sold off to make up the difference.

Debt can be good. A mortgage, for example, can be an appropriate use of debt. But taking out a second mortgage and using the funds to go gamble in Las Vegas would be a misuse, and that is essentially what buying stocks on margin is. Picking good stocks with good businesses that are trading at reasonable valuations, and then holding them through thick and thin, will usually provide you with superior returns so you don't need to finance your portfolio with dangerous debt.

When investing geniuses David and Tom Gardner have a stock tip, it can pay to listen. After all, the newsletter they have run for over a decade, the Motley Fool Stock Advisor, has tripled the market.

David and Tom just revealed what they believe are the ten best stocks for investors to buy right now...and Wal-Mart wasn't one of them! That's right -- they think these 10 stocks are even better buys.

Source: MSN/Money -The Motley Fool

Why People are Skeptical About Bitcoin, 5 Reasons!

(Bloomberg) -- Bitcoin’s astronomical rally has cryptocurrency bulls feeling vindicated. Not so fast, skeptics say.

Bitcoins As The Digital Currency Climbed To Highest Levels Since Early November
© Bloomberg/Bloomberg

The digital currency’s more than 100 percent surge in the past two months looks eerily familiar, argue the bears, pointing to November 2013, when the price quintupled in short order to top $1,000 for the first time. By Valentine’s Day it was worth around half that, and spent the better part of the next two years languishing below $500.

Then it absolutely exploded -- jumping more than $1,400 in two months. At its height last week, one bitcoin could buy about two ounces of gold. Its champions touted the arrival of blockchain into the mainstream, the coin’s underlying technology which they say can lift the poor out of poverty and make transactions more secure, inexpensive and efficient.

Reevaluation Time? © Bloomberg

But signs of a top have emerged, detractors warn. On May 25, bitcoin surged more than $300 to a record only to turn tail and close little changed. The $600 round trip was the biggest daily swing in its history. It then slumped 8 percent the next day. Bitcoin was down 1.5 percent to $2,255.50 as of 12:35 p.m. in New York. For bears, that kind of volatility shows the asset’s unreliability as a store of value.

Here are some other reasons why they warn caution is warranted:

Safety Questions

This month’s ransomware attacks serve as a reminder that bitcoin is still beloved by hackers and criminals because of its anonymity. The cryptocurrency plunged in 2014 after Tokyo-based Mt. Gox -- then the largest bitcoin exchange -- said it had been breached and then filed for bankruptcy. Its value sank again in August 2016 after hackers stole about $69 million from Hong Kong-based Bitfinex. The exchange has since repaid its customers.

Scaling Debate

The bitcoin community has been split for more than a year on how to upgrade its blockchain. The time and fees necessary to verify transactions have climbed to record highs, making it more difficult for businesses to use the currency as a means of payment. While bitcoin executives have said that 2017 might be the year the cryptocurrency really starts to scale, others aren’t so sure.

Last week, more than 50 companies signed a pact to speed up transactions, but ideological differences have prevented similar agreements -- like the one reached last year in Hong Kong -- from actually being implemented. The much-touted SegWit upgrade was also released in October, but only a third of the community has embraced it. If the latest proposal fails to gain traction and the deadlock continues, digital currency users may dump bitcoin in favor of alt-coins that offer better blockchains.

Rival Digital Currencies

As the surge sends the cryptocurrency world into a frenzy, it can be easy to lose sight of the bigger picture. While bitcoin’s value has increased more than 100 percent since the beginning of the year, its slice of the pie has shrunk as its digital cousins steal some of the spotlight. There are an estimated 700 rivals, according to Ron Quaranta, chairman of the Wall Street Blockchain Alliance.

Bitcoin dominated about half of the overall digital currency market as of Friday, down from around 85 percent in February, according to data from CoinMarketCap.com. Meanwhile, Ethereum’s share increased to about 20 percent. Some token fans aren’t sweating it though, as they say bitcoin’s potential demise doesn’t really matter as long as another digital currency takes hold.

Not Recognized By Governments

The general public doesn’t understand bitcoin, and many regulators still don’t either, which makes it tough to regulate. In 2015, New York started issuing controversial licenses to cryptocurrency companies, but only three had been issued as of mid-January, according to Coinbase, as many startups couldn’t afford the costs of applying.

In January, the Financial Industry Regulatory Authority asked the public for help identifying the potential risks of blockchain. Two months later, bitcoin plummeted after the U.S. Securities and Exchange Commission rejected a proposal by the Winklevoss twins for a publicly traded fund based on the digital currency.

In a report last week about blockchain in China, analysts at Sanford C. Bernstein wrote that while the technology could benefit Chinese banks, it’s unlikely to start a financial revolution.

"We believe blockchain application is more likely to be evolutionary rather than revolutionary in developing countries like China," the analysts said. "Aside from the conservative regulatory attitudes toward financial innovations, the constraint of confidentiality and performance of blockchain technology would make it best positioned to be enterprise-oriented rather than consumer-end."

Bubbles Burst

Whether it’s Holland’s tulip-bulb craze in the 17th century or the Internet-stock frenzy of the late 1990s, history shows that markets self correct. Speculative markets usually run out of steam at some point. Determining the trigger is always the hard part. Given the breathtaking run in bitcoin as of late, some say it’s tough to believe the oft-cited mantra that this time is different.

Source: MSN/Money -Bloomberg

Why every investor should hold dividend stocks!

Video by CNBC

A company dividend is one of the cornerstones of capitalism. When a company is cash-flow positive for a reasonable length of time, it gives management an opportunity to reward shareholders for their loyalty in the form of a dividend.

Some investors may wonder why investing in dividend stocks is often considered an essential part of holding a long-term diversified portfolio. After all, is receiving a few cents per share really much to get excited about? Investing in dividend stocks goes way beyond just the dividend element of the company.

"Dividend-paying stocks can be an important component in an investor's portfolio, providing income, the potential for appreciation and diversification benefits that may reduce portfolio volatility," says Dan Kern, chief investment officer and president of Advisor Partners, an asset management firm in Walnut Creek, California.

It's that potential for price appreciation that can sometimes be lost on investors who only concentrate on seeking dividends. Yet the reason dividends are being paid is because a company's earnings can support it, which in turn means the company's stock price likely has been rising over time.

Kern also points out the importance of dividend stocks for retired investors. "They face the dual challenges of low interest rates and longer life expectancies. Dividend stocks can help with both challenges by providing a mix of income and capital appreciation," Kern says.

Kern also cautions against the trap many income investors fall into: buying stocks just because the dividend yield is high. "Too many investors flock to high-yielding stocks with dividends that may not be sustainable. We think a focus on sustainable dividends across sectors is the more effective approach to dividend investing," Kern says.

And yet sustainable dividend stocks generally don't boast very high payouts. What does a company signal when it pays a more modest dividend?

"We are in a generational low-yielding environment," says Linda Duessel, senior equity strategist at Federated Investors in Pittsburgh. "To simply seek high-yielding stocks could lead you to invest in riskier companies. We like quality high yield."

Steve Berg, CFO of O.penVAPE and a former managing director at Wells Fargo and UBS, points out what a more modest dividend may signal about a company. "A low payout could indicate the company's decision to retain more capital toward business development instead of stockholder payout, which could lead to future growth. As for the dividend itself, every percentage counts, and 4 percent still offers a spread nearly twice what is available on 10-year U.S. Treasury rates," Berg says.

Once an investor is paid a dividend, he is left with an interesting choice. Should he take the money and run, or reinvest the dividend back into the company's stock, or into some other stock? Much depends on why the investor chose the dividend stock in the first place.

"It's not always desirable to reinvest dividends," Kern says. "In many cases, clients rely on the dividend income for personal financial purposes. In other cases, it may make sense to redeploy dividend payments into portions of the portfolio that are underweight relative to the investor's target allocation. Part of the beauty of dividends is the flexibility they provide to the investor."

Duessel says it depends on whether the investor needs the cash. Retired investors often rely on dividends to supplement their income. "Perhaps you need cash, and in that case, you may not want to reinvest. If not, however, reinvesting dividends and owning shares of successful companies is a great way to build wealth over the long term," Duessel says.

Berg offers caution on reinvesting dividends: "It is not in your best interest if you're not overly optimistic about the company's future performance. While this doesn't equate to withdrawing investment from a company, the reinvestment of dividends should be reserved for when you have a specific reason for doing so beyond its convenience."

There's also the question of reinvesting dividends if a company is too successful. Many times, a company's share prices may have soared far beyond what the stock's intrinsic value truly is, or it may be relatively expensive compared with its peers or the market. So what sectors currently seem to offer stocks that are not overvalued and which also pay dividends?

Kern likes the financial sector. "Banks have made meaningful progress repairing their balance sheets and are benefiting from moderately improved economic conditions. Current valuations appear reasonable given the outlook for interest rates and the economy. We're less optimistic about sectors such as telecommunications and utilities, which both face challenges sustaining the current level of dividend payments," Kern says.

But Duessel says utilities are strong dividend stocks. "We currently also favor sectors that are less cyclical, such as utilities, which can serve as a helpful 'bond surrogate' for investors," Duessel says. However, she also says there is compelling value in technology.

Berg suggests looking at consumer discretionary stocks, which have seen improvement as the economy has improved, and consumers spend more money on items that go beyond basic household staples.

Of all the dividend stocks in the market, the ones that often get the most attention are the so-called "dividend aristocrats." Many managers place a lot of faith in these companies, as they have increased their dividend every year for at least 25 consecutive years.

Duessel is high on technology as being the source for future dividend aristocrats. "The technology sector currently is the place to find names of large-cap companies that are raising dividends. These are companies that are sitting on a lot of cash and have eschewed dividends for decades, so the sector is ripe with dividend opportunities," Duessel says.

Source: MSN/Money -2017 U.S. News & World Report

सेयर बजारको कथा : बाँदर अनि बाख्रा

नामपुर गाउँका किसान बाँदरको अनियन्त्रित कृयाकलापबाट हैरान थिए । गाउँको फाँटमा कहिलेकाँही ठुलो संख्यामा किसानहरु भेला हुन्थे । अनि कसरी किसानी गरेको अन्नपात बाँदरबाट जोगाएर धेरै पैसा कमाउन सकिन्छ भन्ने बिषयमा घनिभुत छलफल गर्थे । तर परम्परागत खेतीले को पो धनी हुन सक्थ्यो र ! उनीहरुको छलफल औपचारिकतामा मात्र सिमित हुन्थ्यो । ..

मकैबाली गोडमेल गरे पछि फेरि गाउँमा किसानहरुको भेला भयो ।

‘हैन यी बाँदर किन्ने मान्छे आए पनि हुन्थ्यो नि ।’ इन्द्रले पीडा पोख्यो ।

‘के भन्छ यो ? बाँदर पनि कसैले किन्छ ? लौ बाँदर किन्ने कोही आयो नै भने पनि हामीले गर्ने चैं के ?’ दिलेन्द्रले इन्द्रलाई प्रतिप्रश्न गर्यो ।

‘हैन बाँदरको बारेमा तलको बजाराँ खुलेको एउटा के नाम त्यो .... कम्पनी छ नि त्यसले सोधिखोजी गरिरहेको थियो है । कुरो के रहेछ बुझ्न पो जाने होलां, केही उपाय निस्किन्छ कि ।’ श्याम बोल्यो ।

‘हजुर हामी यो कम्पनीको प्रमुख दिनेश सरलाई भेट्न आएका ।’ - हुल बाँधिएर गएका किसान मध्येको श्यामले गाउँ नजिकको बजार क्षेत्रमा रहेको कम्पनीको रिसेप्सनमा बसेकी गोरी युवती (देविका) लाई जिज्ञासा राख्यो ।

‘एकछिन पर्खिनुहोस है, म सरलाई तपाईहरु आउनु भएको कुरा सुनाउँछु ।’

-‘हवस, हामी यहि पर्खिन्छौं ।’

‘तपाईहरुलाई सरले भित्र बोलाउनु भएको छ ।’ युवतीले गाउँले किसानको नेतृत्व गरिरहेको श्यामलाई भन्छे ।

'नमस्ते सर ।’ केही भित्र पसेर एउटा तला माथि चढे पछि बाँया तर्फको सुविधासम्पन्न कोठामा पुगेर सबैले सामुहिक रुपमा दिनेश साहुलाई नमस्ते ठोक्छन् ।

‘नमस्ते नमस्ते, आराम हुनुहुन्छ ?’

‘हजुर आराम छौं ।’

‘तपाईको नाम इन्द्रबहादुर हैन ? अस्ति पर टारमा बाँदर लखेट्दै गरेको बेला भेट भएको थियो नि ।’ दिनेश साहुले सोधे ।

‘हो हजुर । हजुरहरुसंग सानो सहयोग माग्न पो आएका हामी त ।’ इन्द्रले जवाफसंगै सहयोग माग्यो ।

‘कस्तो सहयोग ?'

‘मकैबाली जोगाउन हम्मे हम्मे पर्यो । लौन हाम्रो आम्दानी कसरी जोगाउने होला ?’ खचाखच भरिएको कोठाको कुनामा भित्तापट्टि भुँईमा टुसुक्क बसेको दिलेन्द्रले आफ्नो अघिल्तिर रहेको भिडभन्दा अगाडी बडेमानको कुर्सीमा बसेको दिनेश साहुलाई समस्या पोख्यो ।

कुर्सी अलिकति घुमाउँदै दिनेश साहुले भने 'हामीलाई एउटा बिदेशी औषधी कम्पनीले बाँदरमा औषधीको परीक्षण गर्न ठूलो संख्यामा बाँदर माग गरेको छ । तपाईहरु दिनसक्नुहुन्छ त ?'

‘सर हामी तयार छौं ।’

मकै पनि जोगिने बाँदर समातेर ल्याँउँदा आम्दानी पनि हुने भएपछि किसानहरु हौसिनु स्वभाविक थियो ।

'हामीलाई चाहिएको बाँदर ल्याइदिनु हुन्छ भने एउटा बाँदरको १ हजार रुपैंया दिन्छौं । अब बाँदर पनि सकिने, तपाईहरुको आम्दानी पनि हुने अनि मकैबाली पनि जोगिने ।’ दिनेश साहुले सबै किसानलाई आश्वास्त पार्न खोजे ।

‘हामीले बाँदर बेच्ने रे ? अनि तपाईको कम्पनीले किन्ने ?’ अचम्म मान्दै श्यामले थप जिज्ञासा राख्यो ।

भुँईमा बसेको भिडको मध्य भागबाट फेरि दिनेश साहु बसेको कुर्सीमा हेर्दै रामबीरले थप्यो ‘बाँदर मुला जति पनि छन नि गाउँमा, तपाईले किन्ने पक्का हो भने हामी जति पनि बाँदर ल्याउन सक्छौं सर, हामीलाई पैसा कमाउनु छ ।’

रामबीरको आवाज बन्द नहुँदै सबैको मुखबाट सामुहिक आवाज निस्कियो

‘हो सर हामी तपाईलाई बाँदर बेच्न तयार छौं ।’

गाउँलेहरु बाँदर खोज्न जंगल पसे, पाँसो थापे, कसैको पाँसोमा दुई दुई वटा बाँदर पर्यो । बाँदर समात्ने क्रममा हर्कको हातमा बाँदरले टोकिदियो पनि ।

५२ जना गाउँलेले ७० वटा बांदर बन्द ट्रकमा लादेर दिनेश साहुको कम्पनीसम्म पुर्याएर एकमुष्ट रकम बुझे ।

बाँदर बेचेको अबसरमा गाउँमा ठूलो भोज चल्यो । यस अघि एक बोतल खानेले दुई, तीन बोतल समेत रित्याए । गरिबीको चक्र न हो, सबैका गोजी रित्तिए ।

क्रमश:

*** *** *** *** *** तल क्लिक गर्नुस । *** *** *** *** ***

Buy And Hold: Be An Investing Expert Like Warren Buffett

Warren Buffett made the buy-and-hold strategy famous in investing. And while some investors in today's fast-moving markets believe the technique is outdated and no longer useful, the data tells another story. The investment company run by Buffett, Berkshire Hathaway (BRK.A, BRK.B), still acquires stocks using a long-term philosophy to buy and hold stocks.

There's no indication that the strategy has stopped working: Berkshire's stock price has soared 131 percent in the last 10 years, doubling the 65 percent return of the Standard & Poor's 500 index.

It's not easy, but if you follow the following nine steps you can buy and hold stocks, too.

NEXT: 1. Study the best.

Source: MSN Money

Unlocking Secrets Of Rich: ONE Thing That RICH People Buy That Poor and ...

This intriguing narrative text video is over 700,000 views and counting on YOUTUBE, and it's not at all what you think... Keep an open mind, you are about to be very surprised...your life won't be same again!

It’s so simple but so important that when I finally understood it, it changed my life forever. 

I'm going to open your eyes and show you exactly what I mean, and you’ll see why the rich get richer, the poor get poorer, and the middle class are getting squeezed out.

The wealthy buy ASSETS. These assets pay them money, which they use to buy MORE assets which makes them MORE money. The ASSETS make them money instead of their TIME.

• The poor by STUFF
• The middle class buy LIABILITIES 
• The wealthy buy ASSETS

Preferably businesses that PAY YOU money then take that money and buy another asset that produces more money.

Republished for Awareness, Information and Knowledge!

Source: youcantmissthis

Short Movie: Ambani -The Investor

Ambani -The investor, an award winning short hindi movie, based on a story of a boys who belongs to middle class family with his father addicted of alcohol. One day, he decide to do something for his family. He learns new things when he invests his time and money in the market. Let's learn from him how to Invest and how to create an opportunity, "Never wait for an opportunity, Create an Opportunity".

It is a brilliant truly inspirational movie that depicts a great persistence, desire, and an ‘eye’ to create an opportunity at any times.

This video is about a young boy who is inexperienced, fresh and the one with is a budding idea. But the boy instead of criticizing and mourning over the sorrow of his limited options choose to take a stand, a stand against all odds, a stand by aiming at the resources he is bestowed with. The resources are limited but not the options. The boy chooses to be an entrepreneur.

Every entrepreneur must watch this movie!

Source: Vishnuvaishnava

Republished for Inspiration, Motivation and Learning!

Movie for Teenagers to Start Saving Early!

One Idiot – An IDFC Foundation Initiative to educate the youth of India to be financially independent. Directed by Amol Gupte, One Idiot is an initiative by the IDFC Foundation.

This Short movie will definitely blow your mind, your way of looking at “Money” and “Wealth”. It teaches how One can become Wealthier with some simple rules !! It’s simply awesome!

If you buy things that you don’t need, one day you will have to sell things that you do need,” Bhargav Krishna, the protagonist of the movie One Idiot, quotes Warren Buffet, when explaining money management to his teenager neighbors in the society he lives.

Directed by Amol Gupte of Stanley ka Dabba fame, One Idiot is an initiative by the IDFC Foundation to educate the youth of India to be financially independent. The movie was launched on 23 November in Mithibai College, Mumbai. By next week, the movie will also be shown in JJ College of Arts, Mumbai. Eventually, the foundation aims to cover 25-30 colleges across the country.

Krishna, who is cast in his real name on the screen, equates independence with “dignity” and “security” and exhorts teenagers to start investing early.

Uncle Bugs and the “idiot”, as he is called by society kids, Krishna portrays the quintessential miser, who haggles with the vegetable vendor for every rupee and has been wearing the same rubber slippers for over three years now. Though a laughing stock for the society’s teenagers and other residents, he is a favourite with one of the young ones, Chota, played by Naman Jain, who was seen earlier in Chillar Party. Chota not only relishes Uncle Bugs’ lavish lunch every Sunday, but also takes a lesson or two on how to save and make one’s money grow.

And that’s where we get to peep into the other part of Krishna’s life. The little one gives it away when he tells his elder brother Prashant that he would be able to pay for his and his girlfriend’s expensive tickets to a show as he had accumulated about Rs62,000 by investing the lump sums he got from relatives and friends and saving from his pocket money through systematic investment plans. Stumped, Prashant asks him how and Chota relates to him the financial knowledge he has acquired from Uncle Bugs and reveals his real worth, Rs100 crore, and that’s how the story spreads. So Uncle Bugs has a surplus to send his wife and son for an art appreciation course and indulge in his interests—music and cooking. All because he started saving systematically ever since he was a teenager himself and planned his finances all through.

This comes as a contrast to Prashant and Chota’s parents, played by Raymon Singh and Rahul Singh, seen struggling between credit card bills, monthly instalments and expensive aspirations, earlier in the film.

The movie is strewn with real-time interviews from teenagers which clearly showcase the unawareness and unwillingness of the youth to save and invest.

The movie gives the right basic financial messages: start saving early, do systematic investing in mutual funds, buy insurance only when you need it and don’t bundle it with investment, have an asset allocation between equity and debt and so on. Watch it now at https://youtu.be/qrjc5aLe7oI

Source: LiveMint

DAULAT - 2015 | Award Winning Short Film

As the word suggests “DAULAT”, the film is contradicting to the word’s meaning. This award winning short clip leaves a strong message on the one who is watching. There are two perceptions portrayed; one negative impression and one with positive. Personally, how do you like this clip? 

DAULAT is about a frustrated family and their dismay with their father’s income. and the sacrifices they have to make due to their financial conditions. To tackle this issue, the father decides to take the matter in his own hands. The parents cast look young and are unable to justify their dire situation, the performance however is good.

Source: ReelLife Projects

One Bedroom Flat: A Software Engineer's Life - A Bitter Reality!

As the dream of most parents, I had acquired a degree in Software Engineer and joined a company based in USA, the land of braves and opportunity. When I arrived in the USA, it was as if a dream had come true.

Here at last I was in the place where I want to be. I decided I would be staying in this country for about Five years in which time I would have earned enough money to settle down in India. 

My father was a government employee and after his retirement, the only asset he could acquire was a decent one bedroom flat. I wanted to do some thing more than him. I started feeling homesick and lonely as the time passed. I used to call home and speak to my parents every week using cheap international phone cards. Two years passed, two years of Burgers at McDonald's and pizzas and discos and 2 years watching the foreign exchange rate getting happy whenever the Rupee value went down. 

Finally I decided to get married. Told my parents that I have only 10 days of holidays and everything must be done within these 10 days. I got my ticket booked in the cheapest flight. Was jubilant and was actually enjoying hopping for gifts for all my friends back home. If I miss anyone then there will be talks. After reaching home I spent home one week going through all the photographs of girls and as the time was getting shorter I was forced to select one candidate. In-laws told me, to my surprise, that I would have to get married in 2-3 days, as I will not get anymore holidays. After the marriage, it was time to return to USA, after giving some money to my parents and telling the neighbors to look after them, we returned to USA. 

My wife enjoyed this country for about two months and then she started feeling lonely. The frequency of calling India increased to twice in a week sometimes 3 times a week. Our savings started diminishing. After two more years we started to have kids. Two lovely kids, a boy and a girl, were gifted to us by the almighty. Every time I spoke to my parents, they asked me to come to India so that they can see their grand-children. Every year I decide to go to India. But part work part monetary conditions prevented it. 

Years went by and visiting India was a distant dream. Then suddenly one day I got a message that my parents were seriously sick. I tried but I couldn't get any holidays and thus could not go to India. The next message I got was my parents were passed away and as there was no one to do the last rights the society members had done whatever they could. I was depressed. My parents were passed away without seeing their grand children. 

After couple more years passed away, much to my children's dislike and my wife's joy we returned to India to settle down. I started to look for a suitable property, but to my dismay my savings were short and the property prices had gone up during all these years. I had to return to the USA. 

My wife refused to come back with me and my children refused to stay in India. My 2 children and I returned to USA after promising my wife I would be back for good after two years. 

Time passed by, my daughter decided to get married to an American and my son was happy living in USA. I decided that had enough and wound-up every thing and returned to India. I had just enough money to buy a decent 2 bedroom flat in a well-developed locality. Now I am 60 years old and the only time I go out of the flat is for the routine visit to the nearby temple. My faithful wife has also left me and gone to the holy abode. 

Sometimes I wondered was it worth all this? My father, even after staying in India, had a house to his name and I too have the same nothing more. I lost my parents and children for just ONE EXTRA BEDROOM. 

Looking out from the window I see a lot of children dancing. This damned cable TV has spoiled our new generation and these children are losing their values and culture because of it. I get occasional cards from my children asking I am alright. Well at least they remember me. Now perhaps after I die it will be the neighbors again who will be performing my last rights, God Bless them. But the question still remains 'was all this worth it?'

Source: Internet

10 Steps to Becoming a Stock Market Millionaire !

Investing in the stock market is a way to make more than just a little extra cash. In fact, with the right approach and the right skills, investing even a little in the stock market can put you on the road to earning millions. Becoming a stock market millionaire isn’t an easy task and it isn’t a feat that will happen overnight, but it is possible as proven by several of my students like Tim G. and Michael G. If you want to become a stock market millionaire then here are 10 of the most proven tips to reaching your goals, and the earnings you have always wanted.

Read more: 10 Steps to Becoming a Stock Market Millionaire !

Video source: Timothy Sykes

तपाई पनि सेयरको लगानीकर्ता हो ? पढ्नुहोस् बजारको घटबढले तपाईमा पार्ने असर !

काठमाण्डौं । हाम्रो सेयर बजारमा दैनिक रुपमा उतार चढाव आइरहेकोछ । १२ सयमा रहेको नेप्सेले १८ सय कट्यो र अहिले फेरि १६ सय छुने तल छर्ने १४ सय पुग्ने फेरि फर्किने गरिरहेकोछ । यस्तो बेलामा सेयरको उतार चढावसँगै हाम्रो जिन्दगीमा पनि उतार चढाव भइरहेको हुन्छ ।

Read more: तपाई पनि सेयरको लगानीकर्ता हो ? पढ्नुहोस् बजारको घटबढले तपाईमा पार्ने असर !

Source: arthatantra

Share Update Nepal - Tutorial I

This text animated video shows basics of Nepal Stock Exchange (NEPSE) the one and only stock exchange in Nepal. it was established on 1993 and list over 235 companies.

Details: NEPSE

Source: You Tube Video

Republished for Information, Knowledge & Awareness!

विश्वका १० सफल लगानीकर्ताको लगानी मन्त्र ।

काठमाण्डौ । विश्वको आर्थिक वा राजनीतिक कारण राम्रो होस् या खराब, केही व्यक्तिहरुलाई यसले कुनै असर गर्दैन । त्यस्ता व्यक्ति विश्वका सफल लगानीकर्ता हुन्, जो परिस्थिति अनुसार आफ्नो लगानी रणनीति समेत परिवर्तन गर्न माहिर छन् र दैनिक करोडौं रुपैयाँ कमाइरहेका छन् । यी व्यक्ति सेयर बजार, रियल स्टेट लगायत संभावित सबै क्षेत्रमा लगानी गरिरहेका हुन्छन् । यी व्यक्तिलाई कमाउनका लागि विभिन्न देशको सीमा नियमले समेत छेक्दैन । यी व्यक्तिहरुले सेयर बजारमै लगानी गरेर पनि अरबौंको साम्राज्य तयार गरिसकेका छन् । हामी आज तपाईंलाई विश्वका यस्तै १० टप र सफल लगानीकर्ताको सफलताको मन्त्र बताउन गइरहेका छौ, जसलाई मनन् गरेर तपाईंले पनि धेरै कमाउन सक्नुहुन्छ ।

Read more: विश्वका १० सफल लगानीकर्ताको लगानी मन्त्र ।

investment tips

Source: bizshala

सेयर बजार घटेको बेला कुन बाणिज्य बैंकको सेयर किन्नु सबैभन्दा सुरक्षित ? ( २८ बैंकको तुलनासहित)

सेयर बजार घटेर आतंक मच्चिएको बेला हिम्मत गरेर सस्तो तर राम्रो कम्पनीको सेयरमा दीर्घकालीन लगानी गर्नेले नै भबिष्यमा राम्रो फाईदा लिनसक्ने छन् । घटेको बजारबाट फाईदा लिन चाहनेहरुलाई सघाउन मेरो लगानी डटकमले २८ बाणिज्य बैंकहरुको तुलनात्मक अबस्था प्रस्तुत गरेको छ । बजार घटाईको हल्लाबाट आतंकित हुन छाडेर अब वास्तविक अबस्थातिर फर्कनुहोस् ।

Read more: सेयर बजार घटेको बेला कुन बाणिज्य बैंकको सेयर किन्नु सबैभन्दा सुरक्षित ? ( २८ बैंकको तुलनासहित)

Source: merolagani

पूँजीबजारमा फेरि किन गयो पहिरो ?

काठमाण्डौ । साताको पहिलो कारोबार दिन नै उच्च अंकले गिरावट भई पहिरोको सामना गरेको बजार सोमबार सुधारिए पनि मंगलबार पुनः पुरानै लयमा फर्किएको छ ।

आइतबार ५३ अंकले पहिरो गएको पूँजीबजार सोमबार एक अंकले सुधार भए पनि मंगलबार पुनः दोहोरो अंकले तल झरेको हो ।

Read more: पूँजीबजारमा फेरि किन गयो पहिरो ?

bearish market

Source: bizshala

‘१०/१२ प्रतिशत बजार घट्दा आकाश पाताल नै खसेजस्तो गर्नु हुँदैन’ ।

धेरै मान्छेहरु के सोच्छन भने आज पैसा हाल्यो भने भोलि पैसा फलिहाल्छ । तर त्यो हैन किनकि यसको नाम नै पुँजी बजार हो पुँजी बनाउन त समय लाग्छ नि । तर निराश भइहाल्नु पर्ने स्थिति आएको छैन ।

इन्भेष्टर्स फोरम जुन रुपमा अगाडी बढ्नु पर्ने हो, त्यो अनुसार नभएको आरोप लाग्ने गरेको छ । यो फोरम व्यक्तिगत रुपमा अगाडी बढ्न मात्र प्रयोग भयो भन्ने पनि छन्, के भन्नु हुन्छ ?

Read more: ‘१०/१२ प्रतिशत बजार घट्दा आकाश पाताल नै खसेजस्तो गर्नु हुँदैन’ ।

डा. आत्मराम घिमिरे, अध्यक्ष, इन्भेष्टर्स फोरम

Source: aarthiknews

BUBBLES - THE STOCK MARKET

This video animation explains how the stock market bubbles.

Source: Peter j. Cascone




Source: Peter j. Cascone

PP Waterballs: Must Watch Bubble Share Market

his video clip is a heart touching must watch comedy base on how pp waterballs over price and bubble share market.



Source: Bhavik

पूँजीबजारमा ग्रिन सिग्नल, पैसा छापे दुई माइक्रो फाइनान्सले ।

काठमाण्डौ । तिहार सकिएलगत्तै पूँजीबजारले ग्रिन सिग्नल देखाएको छ । 

दशैं र तिहारको अवधिमा अधिकांश समय ओरालो लागेर लगानीकर्तालाई निराश बनाएको बजारले बिहीबार भने उकालो यात्रा तय गरेको हो । 

बिहीबार नेप्से परिसूचक २.५ अंकले बढेर १७६२.२१ अंकको उचाईमा पुगेको हो ।

Read more: पूँजीबजारमा ग्रिन सिग्नल, पैसा छापे दुई माइक्रो फाइनान्सले ।

Nepse Up

Source: bizshala