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Practical Explanation ( For Example ) :- `1st of all can you tell me every single seconds detail from that time when you born ?? ( i need every seconds detail ?? that what- what you have thought and done on every single second )

can you tell me every single detail of your `1 cheapest Minute Or your whole hour, day, week, month, year or your whole life ??

if you are not able to tell me about this life then what proof do you have that you didn't forget your past ? and that you will not forget this present life in the future ?

that is Fact that Supreme Lord Krishna exists but we posses no such intelligence to understand him.
there is also next life. and i already proved you that no scientist, no politician, no so-called intelligent man in this world is able to understand this Truth. cuz they are imagining. and you cannot imagine what is god, who is god, what is after life etc.
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for example :Your father existed before your birth. you cannot say that before your birth your father don,t exists.

So you have to ask from mother, "Who is my father?" And if she says, "This gentleman is your father," then it is all right. It is easy.
Otherwise, if you makes research, "Who is my father?" go on searching for life; you'll never find your father.

( now maybe...maybe you will say that i will search my father from D.N.A, or i will prove it by photo's, or many other thing's which i will get from my mother and prove it that who is my Real father.{ So you have to believe the authority. who is that authority ? she is your mother. you cannot claim of any photo's, D.N.A or many other things without authority ( or ur mother ).

if you will show D.N.A, photo's, and many other proofs from other women then your mother. then what is use of those proofs ??} )

same you have to follow real authority. "Whatever You have spoken, I accept it," Then there is no difficulty. And You are accepted by Devala, Narada, Vyasa, and You are speaking Yourself, and later on, all the acaryas have accepted. Then I'll follow.
I'll have to follow great personalities. The same reason mother says, this gentleman is my father. That's all. Finish business. Where is the necessity of making research? All authorities accept Krsna, the Supreme Personality of Godhead. You accept it; then your searching after God is finished.

Why should you waste your time?
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all that is you need is to hear from authority ( same like mother ). and i heard this truth from authority " Srila Prabhupada " he is my spiritual master.
im not talking these all things from my own.
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in this world no `1 can be Peace full. this is all along Fact.

cuz we all are suffering in this world 4 Problems which are Disease, Old age, Death, and Birth after Birth.

tell me are you really happy ?? you can,t be happy if you will ignore these 4 main problem. then still you will be Forced by Nature.
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if you really want to be happy then follow these 6 Things which are No illicit s.ex, No g.ambling, No d.rugs ( No tea & coffee ), No meat-eating ( No onion & garlic's )

5th thing is whatever you eat `1st offer it to Supreme Lord Krishna. ( if you know it what is Guru parama-para then offer them food not direct Supreme Lord Krishna )

and 6th " Main Thing " is you have to Chant " hare krishna hare krishna krishna krishna hare hare hare rama hare rama rama rama hare hare ".
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If your not able to follow these 4 things no illicit s.ex, no g.ambling, no d.rugs, no meat-eating then don,t worry but chanting of this holy name ( Hare Krishna Maha-Mantra ) is very-very and very important.

Chant " hare krishna hare krishna krishna krishna hare hare hare rama hare rama rama rama hare hare " and be happy.

if you still don,t believe on me then chant any other name for 5 Min's and chant this holy name for 5 Min's and you will see effect. i promise you it works And chanting at least 16 rounds ( each round of 108 beads ) of the Hare Krishna maha-mantra daily.
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Here is no Question of Holy Books quotes, Personal Experiences, Faith or Belief. i accept that Sometimes Faith is also Blind. Here is already Practical explanation which already proved that every`1 else in this world is nothing more then Busy Foolish and totally idiot.
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Source(s):
every `1 is already Blind in this world and if you will follow another Blind then you both will fall in hole. so try to follow that person who have Spiritual Eyes who can Guide you on Actual Right Path. ( my Authority & Guide is my Spiritual Master " Srila Prabhupada " )
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if you want to see Actual Purpose of human life then see this link : ( triple w ( d . o . t ) asitis ( d . o . t ) c . o . m  {Bookmark it })
read it complete. ( i promise only readers of this book that they { he/she } will get every single answer which they want to know about why im in this material world, who im, what will happen after this life, what is best thing which will make Human Life Perfect, and what is perfection of Human Life. ) purpose of human life is not to live like animal cuz every`1 at present time doing 4 thing which are sleeping, eating, s.ex & fear. purpose of human life is to become freed from Birth after birth, Old Age, Disease, and Death.
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Equity Investments, Fundamental Research and Sectors Review / Nifty FY 2024 2025 EPS
« Last post by resh on January 16, 2024, 08:23:16 PM »
Here are the Nifty FY 2024 2025 EPS Estimates from various research houses.

CLSA - Rs 1,090
Kotak Institutional Equity - Rs 1,089
Motilal Oswal - Rs 1,100
ICCICI Direct  - Rs 1,100 and Rs 1,250 fro FY 2025-26
IIFL Equity Research - Rs 1,073
Axis Securities - Rs 1,060 and Rs 1,187 for FY 2025-26
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Here is Historical Fixed Deposit Interest Rates offered by SBI and other PSU Banks for a period of 12 Months in India.

1975-76   8
1976-77   8
1977-78   6
1978-79   6
1979-80   7
1980-81   7.50-8.50
1981-82   8.00-9.00
1982-83   8.00-9.00
1983-84   8.00-9.00
1984-85   8.00-9.00
1985-86   8.50-9.00
1986-87   8.50-9.00
1987-88   9.00-10.00
1988-89   9.00-10.00
1989-90   9.00-10.00
1990-91   9.00-10.00
1991-92   12
1992-93   11
1993-94   10
1994-95   11
1995-96   12
1996-97   11.00-12.00
1997-98   10.50-11.00
1998-99   9.00-11.00
1999-00   8.50-9.50
2000-01   8.50-9.50
2001-02   7.50-8.50
2002-03   4.25-6.00
2003-04   4.00-5.25
2004-05   5.25-5.50
2005-06   6.00-6.50
2006-07   7.50-9.00
2007-08   8.25-8.75
2008-09   8.00-8.75
2009-10   6.00-7.00
2010-11   6.75-7.25
2011-12   7.5-8.25
2012-13   8.0
2013-14   7.25-8.0
2014-15   8.0-7.4
2015-16   7.4-6.8
2016-17   6.8-6.25
2017-18   6.25-6
2018-19   6-6.4
2019-20   6-4.5
2020-21   4.5-4
2021-22   4.0
2022-23   4.0-7.25

The above rates are for all Individuals and Senior Citizens get 0.5% higher than the rates mentioned above.
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Mutual Funds in India / Mid + Small Cap - Active Funds
« Last post by resh on April 08, 2023, 05:12:35 PM »
When choosing Mid & Small Cap Funds, it is better to go with Actively Managed Funds than their respective Index ETFs. Reason being lesser correction during broader market correction / down years.

Track Record: At least 6 to 8 years.

AUM: Should be healthy at least Rs 100 Crore for every year of its operation and must have strong SIP Flow (Mostly known by the fact of increasing AUM )

Quartile Ranking For how many quarters the Fund has stayed in Top Quartile of Returns when compared to Peers.

Out-performance Vs Benchmark Look how long it has been above the benchmark on Rolling Returns Parameter. Outperformance must be at least 65% of the time.

Volatility is measure of fluctuation of funds NAV with all else being equal. High Volatility mean High Reward but expect Steep Loss when it is not in your favor. Typically expressed as Beta of the MF. If beta >  1, the fund is more volatile than the benchmark. If beta < 1, it is less volatile

Standard Deviation Use this and broadly get to know the range of future returns.

Now using these Parameters let me find out the good ones for self investment.


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Sensex and Nifty Company Analysis / Re: Nifty FY 2023-24 EPS
« Last post by resh on February 24, 2023, 08:57:14 PM »
Kotak Institutional Equities Expect Nifty EPS as under
FY 23 Rs 806
FY 24 Rs 923
FY 25 Rs 1,074

Axis Securities Expect Nifty EPS as under
FY 23 Rs 817
FY 24 Rs 930
FY 25 Rs 1,049

ICICI Direct Research Expects Nifty EPS as under
FY 23 Rs 800
FY 24 Rs 950
FY 25 Rs 1,080

If US Markets Trade at a P/E of 20 Yield as on the date of writing this post https://www.wsj.com/market-data/stocks/peyields
Indian NIFTY should also trade at 20 12 months Forward P/E.


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India Stocks and Shares / New Topic
« Last post by montech on January 27, 2023, 10:58:15 AM »
Hi I'm new here.
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Mutual Funds in India / Quant Style Investing
« Last post by resh on January 19, 2023, 09:07:33 PM »
Quant MF came into existence in 2018 with takeover of Escorts MF by Quant Capital. It is surprising Quant Group was owned by Reliance which already had Reliance Nippon AMC.

1. MultiCap -  Quant Active Fund - 1,2,3,4,5 - All time frame SIP- Top Performing.
2. FlexiCap - Quant FlexiCap - 1,2,3,4,5 - All time frame SIP- Top Performing.
3. MidCap - Quant MidCap - 1,2,3,4,5 - All time frame SIP- Top Performing.
4. Focused - Quant Focused - 1,2,3,4,5 - All time frame SIP- In Top 5, Not the TOP Performing for 1 & 2 Years.
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Mutual Funds in India / Re: Conservative Hybrid Debt Vs Fixed Deposit
« Last post by resh on December 25, 2022, 09:17:31 AM »
Investors can take advantage of 4 Indexations where the holding period will be slightly higher than 3 years but the investment is held across 5 financial years.

This can be achieved by investing towards the end of the financial year (between Jan 1st and March 31st of 2023) and has to be redeemed after April-01-2026.

In such a scenario, Indexed Cost of Acquisition will be adjusted for 4 years.
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Indian Economy, Macro, RBI Policies / Trust Creation for Family Investments
« Last post by resh on December 25, 2022, 08:56:56 AM »
Some Large HNI Investors create a irrevocable discretionary trust where the Husband and Wife are the Trustee and Children  the Beneficiaries.  The purpose of the trust is to grow the wealth by way of investments across instruments and also towards welfare of the beneficiaries. You ensure that (1) in case of any legal claim on Husband / Wife in personal capacity the assets in the name of the trust cannot be attached (2) just in case the erstwhile estate tax (inheritance tax) comes back this would provide some benefit

The Trustee cannot be a beneficiary. The period of the trust is to be specified. Trust is to be registered at the sub registrar office.

The property, shares or investments continue to remain in the name of the trust  - not in the name of beneficiaries.  However, you can set up a regular payout to beneficiaries or one off since the trust is a discretionary one. As and when the trust is closed down, the assets held will be distributed to beneficiaries detailed in the trust agreement.  In fact from taxation point of view

Cash Infusion - Once funds (cash/shares/property) moves into Trust - it is owned by the Trust and the trustee has no relationship excepting being a guardian of the assets.

Trustee cannot utilize any proceeds from the Trust except a reasonable compensation by way of being the Trustee.  The payouts to various beneficiaries is at discretion as the name suggests  - it is a discretionary trust.

Taxation - No clubbing.  Trust is an independent entity with its own PAN and hence handles any taxation on its own. Once the beneficiaries receive any thing from the trust, the resulting taxation would be borne by the individual beneficiaries as applicable.

Disadvantages Trust would be less effective as long term capital gains from share sales cannot be used for purchase of property - the section is unavailable as and when you file tax for the trust.  This is a grey area and once needs to take the legal route. 
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Trading Ideas / Brokers Provide API Algo Trading India ?
« Last post by resh on December 25, 2022, 08:39:44 AM »
Which Brokers Provide API for Algo / Automated Trading India ?

1. Zerodha - https://kite.trade/
2. Fyers - https://fyers.in/api/
3. IIFL - https://api.iiflsecurities.com/
4. https://api.dhan.co/#/
5. Finvisa - https://shoonya.com/api-documentation
6. Prostocks - https://www.prostocks.com/prostocks-star-api.html
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