Satya's Weblog

Here is an article which categorize fragrance into four category and suggest each one should be used by certain women personality types.

Rashmi Sinha, Slideshare

Floral Fragrance:
This is meant for girlie girls. Those who wear delicate make-ups.

Woody perfumes:
The woody aroma is closely associated with cedarwood, sandalwood, patchouli, to name but a few with a signature that yields deep aromatic earthy rich notes. For women who are brave and who likes to stand out.

Oriental Perfumes:
For women who enjoy being bold.

Fruity perfumes:
Women who are full of life and energy.

Read in detail here -  Pick a fragrance for your personality

Here are few Smallcap stocks to load which are trading at low valuation and showing great growth too.

1) Manappuram finance; Rs 119
2) Satin creditcare;  Rs 293
3) Meghmani organics; Rs 60
4) Excel Ind; Rs 1196
5) NCL industries; Rs 140
6) Deccan Cement; Rs 415
7) GM breweries; Rs 610

This blog post is posted on Satya's Weblog in Value and Growth Stock.

NBFCs has faced cash crisis but many stocks are running due to better valuation and growth. Growth is high but cost of capital has increased recent time. Liquidity crisis is over. So, investors are utilizing the time. They are investing in well run companies.

Few experts are still talking about liquidity crisis and bad debt in the sector. But worst are past now. Growth in Microfinance is still there.

Check
Satin Creditcare (Rs 241), Manappuram Finance (Rs 112) and Muthoot Finance (Rs 537).

Manappuram Finance and Muthoot Finance are mainly into gold loan too which will help in bad market condition. Gold is going up and this will help both companies.

GM Breweries posted bad quarter in Dec, 2018. It was due to muted sales growth and higher raw material price. Sales growth was just 3%.
Now, after correction, this stock is looking to gain.

CMP: Rs 536

RoA is a ratio which are used in comparison with others. It is useful when you compare with businesses which are in similar business.
But, still there could be minimum value you want to see companies producing for its Assets!

I was looking at that and here is the number for Minimum Return On Asset you should look for!
Minimum Return On Asset should be 5% for a company. Again, remember it depends on sector to sector. and I reached at this number after Googling.

Return on Assets (RoA) = Net Income/Avg Total Assets

Wiki also mention 5% is the good number for RoA.

I have found this useful image on net on Ratio: