Monday Meditations 2: The Body-Connecting Meditation

We need to regularly connect with our body and understand what it needs and wants. This meditation is for connecting with your body.

It is done by “talking” to the body and asking the following questions. Pause to “listen” after you ask each question:

  • What can I do for you right now?
  • What would nourish you right now?
  • Is there something I need to do more for you?
  • Is there something I need to do less for you?
  • What am I keeping you from doing?

Listen to the answers that your body gives. Follow them. You will feel better.

Three Simple Experiments For A Positive Mind-Set

The following three experiments may change the way you live your life. Try them and see the impact.

TODAY: Do not complain to anyone for the next 24 hours about anything. If you catch yourself complaining, start again.

THIS WEEK: Do not gossip or entertain gossip about anyone, from anyone. If someone persists in attempting to gossip with you, you may ask them to stop, explain this experiment or walk away. If you catch yourself gossiping before the week is over, start again.

THIS MONTH: Do not criticise any member of the family, inner circle of friends or your team. You can make requests if you would like them to do things differently. But be honest to yourself as to whether it is a genuine request or a secret criticism.

Rationale behind the experiments:

1. The first one will end your propensity to complain and take responsibility for everything in which you are involved.
2. The second one will end the worst form of dialogue(gossip) which seeps your energy and leaves you drained. You will feel more positive and optimistic about everything.
3. The third one will stop you from putting the blame on others and develop teamwork, happiness and positivity in your team.

Saturday Stories 25: The Answering Of Prayers

In ancient India much store was set by the Vedic rites which were said to be so scientific in their application that when the sages prayed for rain there was never any drought. It is thus that a man set himself to pray, according to these rites, to the goddess of wealth, Lakshmi, begging her to make him rich.
He prayed to no effect for ten long years, after which period of time, he suddenly saw the illusory nature of wealth and adopted the life of a renunciate in the Himalayas.
He was sitting in meditation one day when he opened his eyes and saw before him an extraordinarily beautiful woman, all bright and shining as if she were made of gold.
“Who are you and what are you doing here?” he asked.“I am the goddess Lakshmi to whom you recited hymns for twelve years,” said the woman. “I have appeared to grant you your desire.”
“Ah, my dear goddess,” exclaimed the man, “I have since attained the bliss of meditation and lost my desire for wealth. You come too late. Tell me, why did you delay so long in coming?”
“To tell you the truth,” said the goddess, “Given the nature of those rites you so faithfully performed you had fully earned the wealth. But, in my love for you and my desire for your welfare, I held it back.”

If you had the choice, which would you choose: the granting of your petition or the grace to be peaceful whether it is granted or not?


How To Use The Coppock Indicator In Investing

The Coppock indicator was invented by Edwin Coppock, a US investment adviser. He designed the indicator to do only one thing.

This was to indicate when it was time to buy long-term holdings near the bottom of a bear market.

Before we look at the calculation and interpretation of the indicator, we should understand what Coppock was trying to do. Most investors come into the stock market in the closing stages of a bull market. They then suffer losses in the following bear market. Many take their losses at some point and swear off the stock market for life. A few learn the lesson and work at getting back into the market early in the next bull market, when risks are much lower.

Coppock pointed out that even a superficial look at long-term charts of stock markets will show that from time to time there are deep valleys, when it would have been perfect to buy. Beginners never do this, but some professionals calmly wait for these times and take advantage of them. Coppock made this point very strongly when he pointed out that most people buy on good news and sell on bad news. Our aim should be to buy early in bull markets with the professionals, not in the high-risk terminal phase of the bull market when rampant speculation sucks the punters into buying on greed and hope. Coppock designed his indicator for just this purpose.

Coppock described the calculation of the indicator and its use at some length in his paper Realistic Stock Market Speculation, which seems to have been last revised about 1967 and has long been out of print. The indicator was designed for the Dow Jones Industrial Average and is calculated monthly. It has been found to be useful for almost any stock market index.

The steps in its calculation are:

  • Calculate the percentage change between the index value at the end of the current month and its value 14 months earlier.
  • Calculate the percentage change between the index value at the end of the current month and its value 11 months earlier.
  • Total the two percentages.
  • Calculate a 10-month weighted moving average of the total of the two percentages.

Technically, the Coppock indicator is only a very specific form of the general indicator type known as a long-term momentum oscillator. In other words, it measures changes in the speed of price change in the stock market. Being an oscillator, the Coppock indicator will swing between positive and negative values.

The signal for long-term investors to begin buying is when the indicator turns up when it has fallen below the zero line. In other words, the signal is when it becomes less negative than it has been. This is shown in the figure below:

Coppock indicator signal

You can calculate the Coppock Indicator for any broad stock market index using this excel workbook: Coppock Indicator. In this worksheet, I have also calculated the Coppock indicator for Sensex. You can see the exact buy points the Coppock Indicator would have suggested in the excel sheet as well on the figure below. So you can see, it works quite well.

Sensex Coppock Indicator


Experience has shown that the Coppock indicator can give a signal a few months earlier than the exact bottom of the bear market. It can also give a signal a few months later than the exact bottom. It was never intended to be a precise timing indicator to pick the bottom of the market cycle. Instead, it was only designed to indicate a period of low risk when long-term investors might start buying. Therefore, it is one more tool that we can use to help us identify the level of risk as input for our strategy for deciding what proportion of our capital should be invested in stocks.

Coppock’s strategy for signals on his indicator was to start buying strong stocks for long-term appreciation, not for short-term speculation. Strong stocks are stocks that are trending up. They will have moved out of a downtrend or of a sideways price pattern by rising above a significant peak on their charts. If we cannot find any of these stock charts, then the signal may be premature and we should wait until they appear. Following Coppock’s advice to buy stocks that are trending upwards should not be disastrous. These stocks could well be the leaders of the next bull market. However, if any of their upward trends fail by dropping below a significant trough on their charts that will signal us to execute our sell stop.

While the Coppock indicator has a very good record, it is not infallible. Coppock was quite clear that all methods may at times fail in some markets. Thus, he believed that different methods must be used in parallel as a means of reducing risk.

Being able to see which signals were premature and which were well-timed in hindsight is of little use. What is important is the action we take from signals when they occur. My view is that investors should have acted on them by looking to buy uptrending stocks. If there were uptrending stocks, then the signal really was early. However, if it were possible to find some strong stocks, an investor ought to have begun building positions in those stocks. If some had weakened and hit sell stop levels, they would have been sold. 

When some people see this evidence, they fall in love with the Coppock indicator. They then try to use it for everything. A common question is whether it will work for sector indexes and for individual stocks. Also, some beginners ask whether the Coppock indicator can be used for selling signals as well. The answer is there is no research.

The Coppock indicator is not magic. It is simply a specifically optimised long-term momentum oscillator, which was created for one purpose. Also, timing the buying of individual stocks is quite a different problem to assessing general market risk. The technical analyst toolbox contains many other methods, which may be even better than the Coppock indicator in these situations.

When using technical analysis, it is important to always understand how the various indicators work. Most of the time, they can be used fairly mechanically. However, at critical times they may pose challenges that require us to understand how a situation may be different to normal. The Coppock indicator generally gives good, clear signals when bear markets unfold steeply without large prolonged rallies. But there have been occasions when a bear market has taken rather longer than normal and descended rather more slowly and unevenly. When this happens, there is a risk that the Coppock indicator may give several premature signals before the final bottom is reached.

So this is how the Coppock Indicator should be used for investing. I hope you find it useful.

-inspired by Colin Nicholson


53 Simple Thoughts That Will Change Your Life

These simple thoughts culled from various sources have the ability to inspire and change you life. Read them and apply them.

Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbour. Catch the trade winds in your sails. Explore. Dream. Discover. – Mark Twain.

Always bear in mind that your own resolution to succeed is more important than any other thing. – Abraham Lincoln.

One of the secrets of success is to refuse to let temporary setbacks defeat us. – Mary Kay

The greater thing in this world is not so much where we stand as in what direction we are going. – Oliver Wendell Holmes.

Be not careless in deeds, nor confused in words, nor rambling in thought. – Marcus Aurelius.

Have something to say, and say it as clearly as you can. That is the only secret of style. – Matthew Arnold.

Yesterday is gone. Tomorrow has not yet come. We have only today. Let us begin. – Mother Teresa.

Finish each day and be done with it. You have done what you could. Some blunders and absurdities no doubt crept in; forget them as soon as you can. Tomorrow is a new day; begin it well and serenely and with too high a spirit to be cumbered with your old nonsense. – Ralph Waldo Emerson.

Man must cease attributing his problems to his environment, and learn again to exercise his will and personal responsibility. –  Albert Schweitzer.

If you want the rainbow, you’ve got to put up with the rain. – Jimmy Durante.

After one has discovered what he is called for, he should set out to do it with all of the power he has in his system. – Martin Luther King, Jr.

The right word may be effective, but no word was ever as effective as a rightly timed pause. – Mark Twain.

The man who removes a mountain begins by carrying away small stones. – A Chinese proverb.

Do or do not, there is no try. – Yoda.

Our doubts are our traitors, and make us lose the good we oft might win, by fearing to attempt. – William Shakespeare.

The last of the human freedoms – to choose one’s attitude in any given set of circumstances, to choose one’s own way. – Victor Frankl.

It does not matter how slowly you go, as long as you do not stop. – Confucius.

All you have to do is look straight and see the road, and when you see it, don’t sit looking at it – walk. – Ayn Rand

Energy and persistence conquer all things. – Benjamin Franklin.

Simplicity is the ultimate sophistication. – Leonardo da Vinci.

Most people never run far enough on their first wind to find out if they’ve got a second. Give your dreams all you’ve got and you’ll be amazed at the energy that comes out of you. – William James.

Act as if what you do makes a difference. It does. – William James.

Nothing will be ever attempted if all possible objections must be overcome. – Samuel Johnson.

It isn’t the mountain ahead that wears you out -it’s the grain of sand in your shoe. – Robert Service.

It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change. – Charles Darwin

The problems of this world cannot be possibly solved by sceptics or cynics whose horizons are limited by obvious realities. We need men who can dream of things that never were. – John. F. Kennedy.

Do not spoil what you have by desiring what you have not; remember that what you now have was once among the things you only hoped for. – Epicurus.

Nothing is a waste of time if you use the experience wisely. –  Auguste Rodin.

Everything that irritates us about others can lead us to an understanding of ourselves. – Carl Jung.

The more efficient a force, the more silent and the more subtle it is. – Mahatma Gandhi.

The fishermen know that the sea is dangerous and the storm terrible, but they have never found these dangers sufficient reason for remaining ashore. – Vincent van Gogh.

Treat people as if they were what they ought to be, and you help them to become what they are capable of being. Johann Wolfgang von Goethe.

The soul is dyed the colour of its thoughts. Think only on those things that are in line with your principles and can bear the light of the day. The content of your character is your choice. Day by day, what you do is what you become. – Heraclitus.

Waste not fresh tears over old griefs? – Euripedes.

In everyone’s life, at some time, our inner fire goes out. It is then burst into flame by an encounter with another human being. We should all be thankful for those people who rekindle the inner spirit. – Albert Schweitzer.

Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen. – Winston Churchill.

You will become as small as your controlling desire; as great as your dominant aspiration. – James Allen.

All of man’s problems derive from our inability to sit quietly in a room and do nothing. – Friedrich Nietszche.

I expect to pass through this world but once. Any good therefore that I can do, or any kindness that I can show to any fellow creature, let me do it now. Let me not defer or neglect it, for I shall not pass this way gain. – William Penn.

If you want to know your past – look into your present conditions. If you want to know your future – look into your present actions. – A Chinese proverb.

The starting point of all achievement is desire. Keep this constantly in mind. Weak desires bring weak results, just as a small amount of fire makes a small amount of heat. – Napolean Hill.

The secret of getting ahead is getting started. the secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and then starting on the first one. – Mark Twain.

Experience is not what happens to you. Experience is what you DO with what happens to you. – Aldous Huxley.

The road to happiness lies in tow simple principles: find what it is that interests you and that you can do well, and when you find it put your whole soul into it – every bit of energy and ambition and natural ability that you have. – John D. Rockefeller III.

We cannot change anything until we accept it. – Carl Jung.

Don’t judge each day by the harvest you reap, but by the seeds you plant. – Robert Louis Stevenson.

Be careful the environment you choose for it will shape you; be careful the friends you choose for you will become like them.- W. Clement Stone.

You are today where your thoughts have brought you; you will be tomorrow where your thoughts take you. – James Allen.

Our self-image and our habits tend to go together. Change one and you will automatically change the other. – Dr. Maxwell Maltz.

If you always live with those who are lame, you will yourself learn to limp. – Latin proverb.

Pleasure in the job puts perfection in the work. – Aristotle.

Trust yourself. You know more than you think you do. – Benjamin Spock.

What we think, we become. – Buddha.

Ten Lessons For Being Really Rich

1. What you see is what you believe. In truth, the universe was created in utter abundance, even extravagance. It is we who create most of the limitations. For every limitation that you can imagine, in reality, there is something beyond it. But most of us focus on these limitations and hence we, like almost the whole world are asleep- everyone you know, everyone you see, everyone who you talk to. Only a few people are awake and they live in constant total amazement. Like for example, we do work because of the money it gives us. Yes, that is needed, but if all you are receiving for your work is money, you are being grossly underpaid. But if you choose a job you love, you’ll never have to work another day in your life. Then you will see that there is more available than what you have been settling for and will start to notice signs of enoughness in and around yourself.

2. You shrink your world when you think and talk small. When the rest of the world agrees with you, because, like you they also think and talk small, it gets even smaller. Then we become bound by our small cages like caged birds and start to find strange comfort in living tiny lives, and resist change even if it will help us. This is because of fear and withholding and not lack. But we have to remember, that it is not a small world, after all. Remember, great thinkers have always received violent opposition from mediocre minds. There are those who say it can’t be done but if you look carefully, there are people who are doing those things. So do not focus on the negative things around you. Make a list of stuff you would do if you were not afraid. Keep your mouth shut when you feel like complaining about the economy, weather, politics or for that matter, anything.

3. Do not limit life to your beliefs. Expand your beliefs to allow for all that life has to offer. Because if you do what you have always done, you will always get what you have always gotten. But truly successful people pay more attention to their own visions and goals that to the history or opinions of others. Laugh and enjoy life and the things that life gives. Look at your beliefs and expectations and make sure they are positive. If not, change them and you will see your situation changes. You may have inherited your beliefs from your parents and authority figures but you can always reprogram your mind. Remember that you are in charge of your mind.

4. Life is a succession of moments. To live each one is to succeed. Quality and integrity are the best advertising. If you take good care of people, life will take good care of you. Every interaction is an opportunity to practice human connection. If you make these things a habit, excellence is what you will achieve.

5. Remember to enjoy every moment, no matter what.

6. Money is a current of energy that becomes good or evil depending on how you think of it and use it. Know that you have the power to generate wealth, then you will not need to force or withhold it from others. The only money worth having is that which is given and received with joy and choice. But do not get caught in the rat race because the trouble is that even if you win, you are still a rat. So before you climb the ladder of success, be sure you have set it against the right wall.

7. You can make anything out of anything. If you can’t change a situation, you can reframe it in your mind so that it works in your favour. No single person or company is the source of my good. For a web begun, God sends thread. So remember, that your source is infinite and it can find you in ways that you haven’t even thought of. So relax and follow your intuition-ease is a more effective success attitude than struggle.

8. Happiness is not something that happens to you. It’s an attitude you cultivate. If you feel rich, you are. There are lots of riches beside money. You may want more and that is healthy and natural. But just don’t forget to enjoy what you have. You can always be rich now. The secret is to live as if everything is a miracle.

9. Life is guided by an intelligence that matches people with the things they need. There is a part of you that is clear and strong, even when other parts are not. In a crisis, my best move is to let that part lead. Somehow everything works out. There is no point in worrying because  it does not get you anywhere else. Trust yourself and fear nothing in life.

10.Do things with passion and a whole heart as you can never retire from life. Chase your passion, not your pension. Let the beauty we love be what we do. Before you die, dare to walk the wildest unknown way. You have to walk in your shoes, not in someone elses’. Enjoy people you love as if it is the last time you will see them. Know what you prefer and do that.

notes from the book, ” How good can it get? by Alan Cohen”

Monday Meditations 1: The Five Sentence Releasing Meditation

This meditation is particularly useful after a stressful day or situation. This will enable you to release tension and relax. The entire meditation is made up of these five sentences:






Minute 1: With each inhalation/exhalation do the following-

  • Inhale: Slow
  • Exhale: Down

Minute 2: With each inhalation/exhalation do the following-

  • Inhale: Slow
  • Exhale: Down.
  • Inhale: Be
  • Exhale: Still

Minute 3: With each inhalation/exhalation do the following-

  • Inhale: Slow
  • Exhale: Down.
  • Inhale: Be
  • Exhale: Still
  • Inhale: Letting
  • Exhale: Go

Minute 4: With each inhalation/exhalation do the following-

  • Inhale: Slow
  • Exhale: Down.
  • Inhale: Be
  • Exhale: Still
  • Inhale: Letting
  • Exhale: Go
  • Inhale: Feeling
  • Exhale: Calm

Minute 5: With each inhalation/exhalation do the following-

  • Inhale: Slow
  • Exhale: Down.
  • Inhale: Be
  • Exhale: Still
  • Inhale: Letting
  • Exhale: Go
  • Inhale: Feeling
  • Exhale: Calm
  • Inhale: Choosing
  • Exhale: Joy.