Bloggarithm

Healthcare:  No debt stocks:  Bayer crop science - liked Alembic Cupid - liked Caplin point - liked - 8 Eris - liked - 8 Low P/E: Mangalam drugs Kopran Cupid Vivimed Food Processing:  Freshtrop fruits Manpasand beverages 1. Profits in Mar and June Q only. Zydus wellness 1. 40+ Net margin Tasty bite eatables Hindustan foods Sector - Construction  Highly debt-ridden sector(except few industries) Industries 1. Cement and asbestos products:  Everest industries: Building products i. Roofs ii) Boards and panels Steel buildings - Improved revenue - Op profit increased (almost same op margin) - net profit and net profit margin are increased - Demonetisation affected them. - Lost a few clients as they were not able to pass the benefits to them when steel prices dropped. Rain industries: - Reduced cost/expenditure leads to improved op profit. - Op margins improved a lot. (2'14 to 2'17 - 10 to 21) - No change in debt levels. (0.58 to 6.93) - Net profit margins improved. *N...

Even before my cfa prep there were a few things that I had already done.  1. I did 2 NCFM courses.   2. I learned about Markets and 3 fin statements in Zerodha varsity(free).  If you have a little knowledge it will help but it's not really mandatory, you can directly jump into CFA too.   My sources for preparation: 1. CFA curriculum 2. Schweser books 3. Mark Meldrum Youtube channel (Mostly I followed him for my prep strategy). 4. Google :P  My preparation: I started my prep in May 2019 and completed the whole syllabus in around 3-4 months except maybe 15-20% which I felt tough or boring. It was more like more like going through the entire syllabus and practicing questions. It's important to complete the syllabus. (After that I spent more time on CAT and less time on CFA)   After CAT, I completed the leftover syllabus and revised everything. Took a few mocks. Finally gave the exam on Dec 7, 2019.  A few important points:  1. Complete...

Zodiac Snow piercer  Wiplash  The invitation  The babadook  10 Sci-fi by Cinefix:  A space odyssey  Stalker  Eternal .. u know   Metropolis  Prestige  Planet of apes 1968 Her  Contact  Children of men  Snowpiercer  Total movies mentioned in the video {10 Cloverfield Lane 12 Monkeys 1984 2001: A Space Odyssey A Clockwork Orange A.I. Abre los Ojos Abyss, The Akira Alien Alphaville Altered States Andromeda Strain, The Another Earth Arrival Attack the Block Blade Runner Brazil Children of Men Close Encounters of the Third Kind Contact Contagion Dark City Dawn of the Planet of the Apes Day the Earth Stood Still, The District 9 E.T. Eternal Sunshine of the Spotless Mind Ex Machina eXistenZ Fahrenheit 451 Frankenstein Gattaca Ghost in the Shell Gojira Her Host, The Invasion of the Body Snatchers Iron Giant, The Logan’s Run Melancholia Men in Black Metropolis Moon Pi Repo Man...

We tend to think and pursue life as a step function. Especially the outsiders(everyone except you) think your life is a step function. They don't see the ups and downs in your daily life. They can only look at the results. When you achieve something it's a sudden up for them. You are suddenly a different person to them. Whereas you haven't changed almost anything. It's a continuous process. It's like a Y=X graph. It can never be a step function. - Bhanu 

"It is too dark", he said. "Of course it is, we are not looking for the sun here", I told my friend. "If you waste our time we won't reach our home in time." I minded him. My friend Robin and I came here to know the hidden secret in this old bungalow, as almost since I was ten no one was ever dared to come here. But I did it now and I am feeling proud of me. That was a big three bungalow which was located almost thirteen Kilometres away from the city. We have been questing here for more than 2 hours still didn't see anything mystical. "Rob! Rob! Rob!" Robin shouted at me. I rushed there and we saw a person who is sitting in the middle of the room and studying or praying with a book on the table. Robin was shivering and frightened but we slowly entered into that large room and slowly approaching. Meanwhile, the doors were closed automatically and he suddenly turned back and boom...... "Wake up Rob, wake up If u don't wak...

1. Our life is all about connecting several key incidents/moments. Few are controllable and few are not. What is destiny? An incident of a moment had to happen in your life no matter what you do before that. So, that's your destiny to come to this incident or moment. So, what to do with destiny now? Once you realize your destiny you can start making decisions without much thinking until you arrive at your destiny. When can you realize then? You can realize something is your destiny after the incident had happened or before it had happened. After realization: All the things happened in your life would now make sense to you. You realize all were leading you to one thing. You can understand the importance of the moment now. Before realization: If you can somehow able to figure out your future destiny you no longer bother about the other decisions. No matter what you do you are gonna end up meeting that. But, if you were wrong then you are screwed all over. Exp...

P/L:  Revenue:  Premium income Investment income Fee income Expenses: Benefits or Claims paid to the customers. Increase in reserves for future benefits or claims. (Money kept aside for claims which have been reported but not settled) Interest expenses on borrowed money(in case there is any) Balance Sheet:  For insurance companies, balance sheets show: Assets, which typically include: • Cash • Investments • Fixed assets (property and equipment) • Assets held in separate accounts (assets that are managed by the insurance company but belong to customers) • Deferred policy acquisitions costs (DAC) • These are costs that a life insurance company has incurred to acquire (or issue) new insurance and investment contracts • These costs are deferred and amortized over the life of the related insurance or investment contract • These are amortized over time in recognition of the fact that acquisition costs (e.g., sales commissions) represent a signifi...

If u r happy with what you have how will u move forward from the present situation? We have been told to be happy with what we have. And that money won't give u happiness and it's not about materialistic things. This is actually true without this the majority of people in the whole world would be unhappy and sad. Because not everyone is rich in the world. We have income disparity and we will always have it. And I say the above statement is one of the main reasons for this. We know 2% of the top rich possess most of the money. If u don't follow the above statement the rest of 98% will be unhappy and sad about their lives. When u want to achieve something or do something good for the world with an expectation of monetary benefits. U will start doing it and then u will fail sometimes and u always hear the noise around saying be happy with what u have. (Obviously, they won't tell u to stop pursuing your dreams. They directly saying don't get better in your life ...