Tuesday, January 10, 2017

लगानी फाल्न हतार नगर्नुहोस्, हेर्नुहोस्, यस्ता छन् १० उत्कृष्ट कम्पनीमा तत्काल अर्बौँ लगानीको अवसर (आईपीओ, एफपीओ र लीलामीसमेत), कुन कम्पनीको अवस्था के र लगानी कति गर्ने त ?

आईपीओ तथा एफपीओमा त झनै ३ महिनासम्म पैसा स्टक रहन पुग्दछ तर लगानीकर्ताको स्टक पैसालाई कुनै पनि आकर्षक अवसरले कुर्दैन । त्यसैले कुनै पनि कम्पनीमा लगानी गर्दा धेरैपटक सोच्नुहोस् र बढीभन्दा बढी सूचना राख्नुहोस् ।

काठमाडौं । पछिल्लो समय पुँजीबजारमा सूचीकृत विभिन्न कम्पनीहरुमा लगानी गर्ने सुनौला अवसर सिर्जना भएका छन् । एनएलआईसीको एफपीओले बजार तताएको भए पनि त्यसबाहेक अन्य विभिन्न उत्कृष्ट कम्पनीहरुमा समेत लगानीका अवसर खुलेका छन् ।

अवसर १ :
नेपाल लाइफ इन्स्योरेन्स कम्पनीले आफ्नो ४ अर्ब ४१ करोड बराबरको अएफपीओ जारी गरेको छ । यसबारेमा थप हेर्नुहोस्

अवसर २ : 
सुनसरीको दुहवीमा प्रधान कार्यालय रहेको फरवार्ड कम्युनिटी माइक्रो फाइनान्सले ६ करोड बराबरको ६ लाख कित्ता आईपीओ जारी गरेको छ । माघ १२ देखि २३ गतेसम्म आईपीओ भर्न सकिने जनाएको सो माइक्रोफाइनान्सले न्यूनता ५० कित्ता र अधिकतम ३ हजार कित्तासम्मको आवेदन गर्न सकिने जनाएको छ । नबिल इन्भेष्टमेन्टलाई बिक्री प्रबन्धक तोकेको सो संस्थाले ६ लाख कित्ता शेयरमध्ये ३० हजार कर्मचारीलाई तथा थप ३० हजार म्युचल फण्डलाई छुट्याएकाले सर्वसाधारणले ५ लाख ४० जहार कित्तामात्रै प्राप्त गर्नेछन् ।



Source: nigarani

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

Monday, January 9, 2017

Gafla - Journey into Stock Market and Beyond!

This video is about 'Gafla', a Hindi Stock Market Movie that begins as a story of an ordinary young man Subodh in ordinary circumstances. It follows his journey into the stock markets and beyond. The film examines the issues of ethics and morality in this Machiavellian world defined by winners and losers rather than good and bad. It was one of Peter Bradshaw's top 10 picks at the London Film Festival 2006

Gafla is a 2006 Hindi film directed by Sameer Hanchate. It is a film inspired from the stock market scam of 1992 which mainly involved Harshad Mehta that rocked the Indian economy and changed lives of thousands forever.

Film was nominated for many awards and won third Cyprus International Film Festival, 2008, 'Aphrodite Medallion' for 'Best Script' (Sameer Hanchate, Rajiv Velicheti, Bijesh Jayarajan), RACE - V. Shantaram Awards 2007 -Best Debut Director (Sameer Hanchate).



Source: Junglee Film Club

Republished for Stock Market Awareness, Information and Knowledge!

How Much To Apply in NLIC FPO? (Allotment analysis)

Nepal Life Insurance Company Limited (NLIC) is floating its Further Public Offering (FPO) of 30,96,529 unit shares at Rs 1,425 (premium of Rs 1,325 added to the paid up value of Rs 100) worth Rs 4.41 arba from Poush 27, 2073.The offer is set to close on Magh 2, 2073 at the earliest.

Interested investors must apply for a minimum of 10 units of share amounting Rs 14,250 (10 units * Rs 1,425) and they can apply for up to 30,960 units of share amounting Rs 44,118,000 (30,960 units * Rs 1,425).


Source: sharesansar

Investors who bought NLIC at high prices after FPO announcement in distress; Whom to blame: the Company, Regulator, or Investors?

Securities Board of Nepal (SEBON) has recently given final approval to Nepal Life Insurance Company (NLIC) to float 30.96 lakh units Further Public Offering (FPO) shares. The Board has approved NLIC to issue FPO at Rs 1,425 (premium of Rs 1,325 added to the paid up value of Rs 100). After issuing FPO with premium of Rs 1,325, NLIC will be able to add Rs 4.10 arba in its reserve and surplus account.

Previously in June, 2016 NLIC BOD’s had decided to issue FPO at Rs 2,951 per share but it was later stopped by SEBON due to unclear rules regarding fixation of FPO price. On an expectation of high FPO price, market price of NLIC shoot up as high as Rs 4,936 in NEPSE. If NLIC was allowed to issue FPO at Rs 2,951 that time, Rs 8.82 arba could have been collected in the premium amount.


Source: sharesansar

Thursday, January 5, 2017

नेपाल लाईफ ईन्सुरेन्स (NLIC) को एफपिओ (FPO) मा मेरो टिप्पणि !


मुलुकको अग्रणी जीवन बिमा कम्पनीले अंकित मुल्य १०० मा १३२५ प्रीमियम थप गरी १४२५ का दरले यही पौष २७ गतेबाट FPO जारी गर्दैछ। धेरै नयाँ लगानिकर्ता मित्रहरुले यसबारे मलाई ब्याक्तिगत रुपमा साथै बिभिन्न फोरमहरुमा पनि जिज्ञासा राखेको पाएँ । मनमा लागेको कुरा लेख्दैछुँ ।

केहि महिना अघि NLIC को बजार मुल्य ४००० माथि रहेको समयमा नेपाल लाईफले अंकित मुल्य १०० मा २८५१ प्रीमियम थप गरी FPO जारी गर्ने भन्ने सुचना बाहिर ल्यायो । यससँगै यसको बजार मूल्य आकासिएर झण्डै ५००० छुन पुगेको थियो । यस लगत्तै धीतोपत्र बोर्डको कारवाहीमा परेको NLIC को FPO मुल्य निर्धारणका लागी आधारहरु चाहिने र बजार मुल्यलाईमात्र आधार मानेर FPO को मुल्य निर्धारण नहुने भनी लामो समयसम्म सो प्रकृया स्थगित गर्‍यो । यसबाट उक्त कम्पनीको बजार मुल्यमा नकारात्मक असार पर्न थाल्यो FPO कै कुरा ले ४९०० पुगेको NLIC अहिले साँच्चै FPO आउने बेलामाचाहिं २६०० मा आईपुगेको छ ।

दोश्रो बजारमा जोखिम लिन नचाहने , बचत खातामा रकम राख्ने , बैंक बित्तिय सँस्थाबाट 'ओडि' प्रयोग गरीरहेका, बजार प्रवेश गर्ने बाटो खोजी रहेकाहरुको लागी लगानीको लागी यो एउटा उपयुक्त बिकल्प हुनसक्छ।

हुन त पछिल्लो समय FPO ले एउटा विकृतिकै रुप लिएको पाईन्छ । कतिपय कम्पनीले कमाई गर्ने भाँडोकै रुपमा लिएको पाईन्छ FPO लाई लिने गरेका छन् । आफ्नो नियमित कारोबार बढाएर नाफा बढाउनु कता हो कता FPO निकालेर सँचिती बढाउने सोचलाई "काम कुरा एकातिर कुम्लो बोकी ठिमीतिर" भन्ने उखानसँग दाँज्दा फरक नपर्ला ।

NLIC को हकमा भन्ने हो भने यो एउटा निरन्तर राम्रो ब्यापार गरिरहेको , नाफा बढाईरहेको , लगानिकर्ताप्रति उत्तरदायी, निरन्तर आकार्षक प्रतिफल प्रदान गरीरहेको कम्पनी हो । एउटा भनाईनै छ कि "झुर कम्पनीले दिने बोनस भन्दा त राम्रो कम्पनी दिने हकप्रद कयौं गुना राम्रो हुन्छ !" संस्थापक र साधारणको सेयर संरचना नियम अनुसार मिलाउन पहिलेदेखिनै FPO लाई आफ्नो योजनामा राखेको NLIC को हकमा भने अहिलेको FPO निश्काशनलाई सामान्यनै मान्नुपर्छ । 

एउटा चाखलाग्दो कुरा के छ भने NLIC को ५२ हप्ताको अधितकम र न्युनतम मुल्यलाई हेर्ने हो भने ४९३६ अधिकतम मुल्य थियो र न्युनतम मुल्य भने २५९५ रहेको छ । जुन हिजोको कारोबार मुल्य थियो । दोश्रो बजारमा कारोबार गर्नेहरुका लागी पनि यो एउटा सुनौलो अवसर हो । हिजो मुल्य उचालिएर ४००० नाघेको दिनमा NLUC को सेयर खरिद गर्नेहरुको लागी अहिलेको बजार मुल्य एभरेज गराउनको लागि राम्रो अवसर हुनेछ। अहिले NLIC मुल्य तल झर्नुको कारण २६०० मा बिक्री गरेर १४२५ मा किन्ने सोच हुनसक्छ धेरैको। तर हामिले यो कुरा बुझौं कि २६०० मा बेचेको १०० कित्ताले भोली १० कित्ता दिने कुनै ज्ञारेण्टी छ र? 

जसरि IPO , FPO को क्रममा बजारमा बिक्री चाप बढ्छ अनि बजार घट्छ त्यसै गरी उक्त रकम बजार फर्कंदा बजारमा खरिद चाप बढ्छ अनि मुल्य उकासिने निश्चितनै छ । हाल २ अर्ब १६ करोड चुक्ता पुँजी रहेको NLIC ले अहिले करिव ३१ लाख कित्ता FPO जारी गरेपछीको पुँजी भने करिव २ अर्व ४७ करोड पुग्नेछ भने रिजर्व भने ६ अर्व ३७ करोड पुग्ने कम्पनीले प्रकाशित गरेको आव्हान पत्रमा उल्लेख छ। जसबाट लगानिकर्ताले भोलीका दिनमा राम्रै बोनस पाउने आशा गर्न सकिन्छ !

के हिसाबले आवेदन दिने?
५० हजार भन्दा मुनी साना लगानिकर्ता अनि त्यस माथी ठुला मानिन्छ हाम्रो बजारमा। बाँडफाँडमा ठुला र सानाको अनुपात पनि निकै फरक हुन्छ । तसर्थ अहिलेको FPO लगानी सन्दर्भमा मेरो सुझाव चाहिं सकेसम्म आफ्ना परिवार सदश्य धेरैको नाम ५०००० मुनी आवेदन दिनुस् जसअनुसार ३० कित्ता × १४२५ = ४२७५० /- अनि बाँकी ठुलो समुहबाट एक जनाको नाममा अवेदन दिनुस् ।

अहिलेको तरलता अभावमा ४ अर्व १० करोडको NLIC FPO मा १० गुना आवेदन पर्दा पनि ४० अर्ब माथी पर्ने सोच्न सकिन्छ , अहिलेको LIQUIDITY CRISIS अवस्थामा जुन ठुलै कुरा हो ! 

ब्याक्तिगत प्रक्षेपणको कुरा गर्ने हो भने मेरो बिचारमा NLIC FPO मा सानाले १४% अनि ठुला ले ६% को हाराहारीमा सेयर प्राप्त गर्नेछन्! 

HAPPY INVESTING!

Source: arthasarokar

Wednesday, January 4, 2017

नेपाल लाइफ इन्स्योरेन्सको महत्त्वाकांक्षी एफपीओ, एफपीओमा पैसा हाल्नुअघि ध्यान दिनै पर्ने यी ४ कुराहरु ।

केही समयअघि नेपाल इन्भेष्टबैंकले ६०१ रुपैयाँको दरमा एफपीओ जारी गरेको थियो । त्यतिबेला करिब ११ सय शेयर मूल्य रहेको बैंकको शेयर मूल्य एपपीओपछि ९ सयमा झरेको थियो भने अहिले बैंकको शेयर मूल्य ७ सय हाराहारीमा चलिरहेको छ ।

काठमाडौं । जीवन बीमाको क्षेत्रमा आफ्नो अलग्गै पहिचान बनाइसकेको नेपाल लाइफ इस्योरेन्स कम्पनीले एफपीओ जारी गरेपछि अहिले पुँजीबजारको ध्यान त्यतै मोडिएको छ । पुँजीबजारमा २ हजार ७ सय हाराहारीमा कारोबार गरिरहेको कम्पनीले १ हजार ४ सय २५ रुपैयाँमा एफपीओ जारी गरेपछि लगानीकर्ता आँखा चिम्लेर एफपीओका लागि लागेका छन् ।


Source: nigarani

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