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Wednesday, August 31, 2011

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Tuesday, August 23, 2011

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Saturday, August 20, 2011

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Friday, August 19, 2011

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Jan Lokpal Boll Vs Existing Govt System ...

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Thursday, August 18, 2011

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subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
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in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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Get daily profit guranteed from intraday trading

We are the leading group in stock market of India
providing daily profit plans in intraday equity cash
and nifty futures.
subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
points in nifty futures.
in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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Get daily profit guranteed from intraday trading

We are the leading group in stock market of India
providing daily profit plans in intraday equity cash
and nifty futures.
subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
points in nifty futures.
in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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providing daily profit plans in intraday equity cash
and nifty futures.
subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
points in nifty futures.
in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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and nifty futures.
subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
points in nifty futures.
in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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providing daily profit plans in intraday equity cash
and nifty futures.
subscribe to any of the 2 packages for nominal fees
and get daily 5 to 10 % returns in cash and atleast 30 
points in nifty futures.
in equity cash only 2 calls are provided daily and 
in nifty sure shot package normally we provide 1 call but some times 2.
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Wednesday, August 17, 2011

5 Things Web Designers Must Not Forget Before Launching A New Site.

Ever since I started designing templates for blogger, I often forget few important stuffs in the process. However, over the years, I've developed the habit of having a checklist so that I don't miss out anything. Well, in this article, I'll be sharing some 5 common mistakes that most of the web designers like me tend to forget when launching their blog/website. So, if you are web designer, then I suggest you to include the points mentioned below on your checklist of tasks to be performed for your client's template.

1. Cross Browser Testing

When it comes to web designing, the first and foremost thing would be to analyze your website on different platforms/browsers. There are so many web browsers and we cannot assume that everyone uses the same. Making your design features and function browser compatible is very important which many web designers tend to forget including me. So, I suggest to use "Browsershots" to check for layout issues on different browsers.

2. Mobile Compatibility

If you still think majority of the people use pc/laptops to access your website and you leave the minority, well your completely wrong. Things have started to change… Everyone has a smart phone these days and they access sites using the same. People are well informed about the same. So, they demand for a mobile compatible site as well which means the work for a web designer has doubled up. However, tools likeMobilizer and Mobify shall be helpful to check and debug issues related to mobile compatibility.

3. 404 Error Page

Well, this one is quite off target when it comes to web designers like me because we don't have the access to setup a 404 page on blogger. However, when you design a theme for WordPress, it is very important that you setup a 404 page. Basically, a 404 page prevents broken links on your website. So, I suggest you to setup one if you do not possess – please, try to make it innovative if you are web designer:)

4. Site map and Meta Descriptions

This shall be associated with the SEO of your design. It is important that you setup proper meta description and keywords for individual articles on your blog so as to get the maximum possible hits from the search engines. Though blogs are blogger do not have this facility, they can still add the post titles as meta tags for each article just like I do on my blog. You might refer to the following article if you need to install one –Add Meta Tags To Individual Posts On Blogger .

Secondly, setting up a sitemap is vital. Adding a site map to your web site, probably on the root folder of your website, will help the web spiders crawl your web site faster which, in turn, would drive heavy amount of traffic from the search engines. I'm sure you know a lot more than what I do, about webmaster tools. If not, I suggest you to read the articles on SML based on site maps & web master tools – use the search tool at the top right.

5. Valid HTML with Favicon

Valid HTML simply refers to HTML validated by W3C. It's just to ensure proper readability and few say it adds to SEO as well. So, it's better you validate your design with the same. Last but not the least, a favicon which I often forget when I design sites for my client. Now that blogger has enabled this option by default on its dashboard, I don't forget the same and it's pretty easy to add one. basically, a favicon is a 16×16 or 32×32 icon which is displayed on your address bar to the left of your URL.

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Tuesday, August 16, 2011

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Monday, August 15, 2011

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Hindalco net profit jumps 21% in Q1

Hindalco, an Aditya Birla Group company, announced a 21% year-on-year jump in its net profit at Rs 644 crore for the quarter ended June 30, 2011 as against Rs 534 profit posted in the corresponding period in 2010. The company's net sales at Rs 6,031 crore in April-June 2011 quarter were 
up 16% from Rs 5,178 crore notched up in the same period last year. The increase comes despite flat volumes, as improved efficiency at the non-ferrous metals producer offset rising inflation and input costs.
"The results would have been better, but for the increased input costs (especially coal) and an appreciating rupee," it said in a statement.
In its outlook, Hindalco said that the environment in both aluminum and copper businesses has become very challenging due to volatile London Metal Exchange, spiralling energy and other costs and non-availability of coal.

Sunday, August 14, 2011

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Fixed-Income Bear-Market Strategies

One of the biggest risks to your retirement is facing a bear market during the early years after you stop working. If you must sell stocks in a falling market, you risk depleting your nest egg at exactly the moment you need it — leaving you with too little savings to cover your needs for your retirement.

More from Bankrate.com: 

• 7 Investment Strategies That Defy Downturn 

• U.S. Credit Rating slide: What It Means

• Fear of Losing Money Can Set Investors Back
If you withdraw regular amounts from your portfolio to cover your living expenses during a market downdraft, you must sell more shares at a lower price. It's essentially the reverse of dollar-cost averaging, which is what you did during the accumulation phase when you invested money at regular intervals. Dollar-cost averaging involves buying more shares when the market is down or fewer shares when it's up.

"You're liquidating a portion of the portfolio and locking in those negative returns and creating some very bad outcomes," says Stephen Horan, head of private wealth management for the CFA Institute and co-author of "The New Wealth Management."

"We call that sequence-of-return risk," he says.

In such a scenario, it's best to leave stocks alone to recover from the loss and to draw instead on the fixed-income portion of your portfolio. Retirement experts recommend employing one of the top five fixed-income strategies to ensure enough income in a bear market. Following are the pros and cons of each method.

CD ladder

A solid fixed-income strategy begins with calculating your bare-bones expenses and looking at what you will receive from Social Security and any defined-benefit pension. Next, choose a vehicle to ensure enough income each year to make up the difference.

One simple option is to design a CD ladder, such as a combination of one-, three- and five-year CDs, the principal amounts of which will cover your income needs in case stocks fall, says Rick Rodgers, a Certified Financial Planner in Lancaster, Pa. If thestock market is up, you can reinvest funds from the maturing CDs in higher-rate CDs rather than spending the principal.

"You're never going to make money in fixed income; that's not the purpose of it. After taxes and inflation, it's break-even at best," Rodgers says. This is particularly true in these times of low yields.

"When the market is going up, I am going to be overweighted in stocks so I will be selling some stocks and putting it into fixed income," says Rodgers. "It smooths out the ups and downs."

The downside of a CD ladder: low yields, no upside as the market fluctuates and continual effort to reinvest maturing CDs, says Lynn Mayabb, CFP, a senior managing adviser at BKD Wealth Advisors in the Kansas City, Mo., office.

Don't let CD penalties prevent you from withdrawing your cash early, though. Weigh the penalty against the potential gain or need, Mayabb says.

Bond ladder

If you're looking for a little higher yield, consider creating a ladder of bonds with sequential maturities. "Having that money come due on a regular basis eliminates the need to have a lot of money sitting in cash," Rodgers says.

The two key risks to investing in bonds are interest rates rising and credit quality declining. "We address both of those issues by laddering it. Each one of those bonds that makes up the bond ladder is different," he says.

It's a good idea to stick with highly rated bonds and stable companies, and be sure to monitor your picks for any decline in quality.

One danger of a bond ladder is that you can inadvertently shift the asset allocation of your portfolio if you don't manage carefully, Horan says. As the front of the ladder matures, the makeup of your investments shifts. On the plus side, you've guaranteed enough income for the critical first years of retirement, which "set the initial path" for your retirement portfolio, he says.

For an individual investor, a properly diversified bond ladder is likely to be too much work, says Carlo Panaccione, CFP and founder of the Navigation Group in Redwood City, Calif. A good financial planner can set this up for you, but you generally need a minimum of $100,000 to construct a properly diversified bond ladder.

Variants on bond ladders

"Sometimes a bond ladder doesn't always make sense, depending on what the yield curve looks like," Mayabb says. Often, the middle-term maturities tie up your cash longer but fail to reward you with higher rates.

Instead, she favors a barbell approach, in which you divide your money equally between short-term bonds and those with 10- to 15-year maturities, skipping intermediate-term bonds altogether. "Those are the sweeter spots for getting the rates."

Or consider laddering the coupon payments on a bond, rather than the bonds themselves, Horan says. For instance, if you need $50,000 each year, you could buy a five-year bond with a 5 percent coupon and $1 million face value. At the end of the five years, you'd get $1 million back.

It may be more efficient to find a single bond with the desired payment structure, rather than piecing together five different bonds in a laddered structure, he says.

As with a traditional bond ladder, these variants may also suffer from a lack of diversification and need to be monitored for credit quality, says Panaccione.

Floating-rate fund

If all this seems like too much work, consider investing in a floating-rate fund -- also called a bank-loan fund -- which holds a variety of bonds or bank loans with adjustable rates, giving you exposure to a range of credits. "In fixed income, you have to be realistic about how closely you're willing to watch" credit quality, Panaccione says. "If you're not willing to review things on a regular basis, don't buy individual bonds."

Unlike individual bonds, floating-rate funds have no maturity date, so you can lose principal if market fluctuations cause fixed-income investments to drop in value. "I don't like bond funds because they don't guarantee my principal," Rodgers says, while conceding that they can be a good choice in some cases. "For the individual investor who's not using an adviser, they should be using a bond fund."

Focus on the total return of your portfolio, rather than the rise or fall in a particular fund, says Anthony Valeri, CFA, a senior vice president and market strategist at LPL Financial in San Diego. Liquidity is an issue, since these bonds don't trade on an exchange. "If we have a recessionyou'll see price declines" in floating-rate funds, Valeri says.

Annuity

The classic strategy for ensuring a stream of income in retirement, of course, is purchasing an immediate annuity. This insurance product guarantees that you will receive a stream of payments for as long as you live.

The downside: You pay a premium for that guarantee and lose control of your assets forever.

"I've done annuities this year only because of clients demanding them," Panaccione says. The insurance companies are "probably investing in what you would've invested in and charging you a premium. Is that what you need to sleep at night? Then it's probably worth paying the premium."

If you're married, the question of an annuity becomes more complicated. You can buy a joint life and survivor annuity for a smaller payout, or opt for provisions that guarantee some portion of your payment goes to your spouse if you die. But it will cost you, Mayabb says.

By choosing an annuity, you lose the flexibility of changing your mind. "Once you annuitize, those assets are no longer yours," she says. "With a bond ladder, CD ladder or investment account, if something happens and you need $20,000, you go sell something."

Fixed-Income Bear-Market Strategies

One of the biggest risks to your retirement is facing a bear market during the early years after you stop working. If you must sell stocks in a falling market, you risk depleting your nest egg at exactly the moment you need it — leaving you with too little savings to cover your needs for your retirement.

More from Bankrate.com: 

• 7 Investment Strategies That Defy Downturn 

• U.S. Credit Rating slide: What It Means

• Fear of Losing Money Can Set Investors Back
If you withdraw regular amounts from your portfolio to cover your living expenses during a market downdraft, you must sell more shares at a lower price. It's essentially the reverse of dollar-cost averaging, which is what you did during the accumulation phase when you invested money at regular intervals. Dollar-cost averaging involves buying more shares when the market is down or fewer shares when it's up.

"You're liquidating a portion of the portfolio and locking in those negative returns and creating some very bad outcomes," says Stephen Horan, head of private wealth management for the CFA Institute and co-author of "The New Wealth Management."

"We call that sequence-of-return risk," he says.

In such a scenario, it's best to leave stocks alone to recover from the loss and to draw instead on the fixed-income portion of your portfolio. Retirement experts recommend employing one of the top five fixed-income strategies to ensure enough income in a bear market. Following are the pros and cons of each method.

CD ladder

A solid fixed-income strategy begins with calculating your bare-bones expenses and looking at what you will receive from Social Security and any defined-benefit pension. Next, choose a vehicle to ensure enough income each year to make up the difference.

One simple option is to design a CD ladder, such as a combination of one-, three- and five-year CDs, the principal amounts of which will cover your income needs in case stocks fall, says Rick Rodgers, a Certified Financial Planner in Lancaster, Pa. If thestock market is up, you can reinvest funds from the maturing CDs in higher-rate CDs rather than spending the principal.

"You're never going to make money in fixed income; that's not the purpose of it. After taxes and inflation, it's break-even at best," Rodgers says. This is particularly true in these times of low yields.

"When the market is going up, I am going to be overweighted in stocks so I will be selling some stocks and putting it into fixed income," says Rodgers. "It smooths out the ups and downs."

The downside of a CD ladder: low yields, no upside as the market fluctuates and continual effort to reinvest maturing CDs, says Lynn Mayabb, CFP, a senior managing adviser at BKD Wealth Advisors in the Kansas City, Mo., office.

Don't let CD penalties prevent you from withdrawing your cash early, though. Weigh the penalty against the potential gain or need, Mayabb says.

Bond ladder

If you're looking for a little higher yield, consider creating a ladder of bonds with sequential maturities. "Having that money come due on a regular basis eliminates the need to have a lot of money sitting in cash," Rodgers says.

The two key risks to investing in bonds are interest rates rising and credit quality declining. "We address both of those issues by laddering it. Each one of those bonds that makes up the bond ladder is different," he says.

It's a good idea to stick with highly rated bonds and stable companies, and be sure to monitor your picks for any decline in quality.

One danger of a bond ladder is that you can inadvertently shift the asset allocation of your portfolio if you don't manage carefully, Horan says. As the front of the ladder matures, the makeup of your investments shifts. On the plus side, you've guaranteed enough income for the critical first years of retirement, which "set the initial path" for your retirement portfolio, he says.

For an individual investor, a properly diversified bond ladder is likely to be too much work, says Carlo Panaccione, CFP and founder of the Navigation Group in Redwood City, Calif. A good financial planner can set this up for you, but you generally need a minimum of $100,000 to construct a properly diversified bond ladder.

Variants on bond ladders

"Sometimes a bond ladder doesn't always make sense, depending on what the yield curve looks like," Mayabb says. Often, the middle-term maturities tie up your cash longer but fail to reward you with higher rates.

Instead, she favors a barbell approach, in which you divide your money equally between short-term bonds and those with 10- to 15-year maturities, skipping intermediate-term bonds altogether. "Those are the sweeter spots for getting the rates."

Or consider laddering the coupon payments on a bond, rather than the bonds themselves, Horan says. For instance, if you need $50,000 each year, you could buy a five-year bond with a 5 percent coupon and $1 million face value. At the end of the five years, you'd get $1 million back.

It may be more efficient to find a single bond with the desired payment structure, rather than piecing together five different bonds in a laddered structure, he says.

As with a traditional bond ladder, these variants may also suffer from a lack of diversification and need to be monitored for credit quality, says Panaccione.

Floating-rate fund

If all this seems like too much work, consider investing in a floating-rate fund -- also called a bank-loan fund -- which holds a variety of bonds or bank loans with adjustable rates, giving you exposure to a range of credits. "In fixed income, you have to be realistic about how closely you're willing to watch" credit quality, Panaccione says. "If you're not willing to review things on a regular basis, don't buy individual bonds."

Unlike individual bonds, floating-rate funds have no maturity date, so you can lose principal if market fluctuations cause fixed-income investments to drop in value. "I don't like bond funds because they don't guarantee my principal," Rodgers says, while conceding that they can be a good choice in some cases. "For the individual investor who's not using an adviser, they should be using a bond fund."

Focus on the total return of your portfolio, rather than the rise or fall in a particular fund, says Anthony Valeri, CFA, a senior vice president and market strategist at LPL Financial in San Diego. Liquidity is an issue, since these bonds don't trade on an exchange. "If we have a recessionyou'll see price declines" in floating-rate funds, Valeri says.

Annuity

The classic strategy for ensuring a stream of income in retirement, of course, is purchasing an immediate annuity. This insurance product guarantees that you will receive a stream of payments for as long as you live.

The downside: You pay a premium for that guarantee and lose control of your assets forever.

"I've done annuities this year only because of clients demanding them," Panaccione says. The insurance companies are "probably investing in what you would've invested in and charging you a premium. Is that what you need to sleep at night? Then it's probably worth paying the premium."

If you're married, the question of an annuity becomes more complicated. You can buy a joint life and survivor annuity for a smaller payout, or opt for provisions that guarantee some portion of your payment goes to your spouse if you die. But it will cost you, Mayabb says.

By choosing an annuity, you lose the flexibility of changing your mind. "Once you annuitize, those assets are no longer yours," she says. "With a bond ladder, CD ladder or investment account, if something happens and you need $20,000, you go sell something."

What to buy your sweetheart for her happiness | www.ibibz.com

Coming up with the perfect Christmas present for your significant other can be daunting, especially when you've been dating such a short time that you're not quite familiar with the eccentricities of his or her music taste but you still want to impress with an unexpectedly thoughtful and insightful gift that will buy you a few more weeks, at least.

Flowers and chocolates, a la Valentine's Day, are very sweet, but they pretty much prove you don't know your honey at all, unless she's super into exotic buds or something. If you don't happen to be dating a horticulturist, don't go this route. Here's a quick-and-dirty list of our top picks for new couples:

A book -- Unless your lover is an English major, you probably can't go wrong with a classic that has something to do with romance. Go with "The Unbearable Lightness of Being" or "Love in Time of Cholera." It gives you the perfect chance to hint at your deeper, tortured, artistic side, and you get to write a sappy inscription. (Hint: If you haven't read the book, stay away from comparing you and your sweetie to the characters. Fiction authors are not to be trusted with your relationship.)

A soulful hits compilation -- Even if it's not his style, no one is going to balk at a sexy collection of slow-danceable love songs (at least not to your face). It gives the two of you a chance to get close, and if the cheese factor is over the top, y'all can laugh about it together and then put on something good.

Massage oil -- Ok, you might want to be careful with this one, but if you play your cards right, it's a great gift. If you're ready to take things to the next level, it implies that it's time to get physical. If you're not, this present can come off as a little presumptuous, but you can always backtrack and offer up a neck-and-shoulder massage to smooth things over.

No matter what gift you go with, the fact that you're putting some effort into it bodes well for the  future of your union. Don't be afraid to dive in and find something your new love will really like -- just take our advice and stay away from gift cards!

Saturday, August 13, 2011

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Friday, August 12, 2011

COMMODITY,MCX TRADING TIPS

GET DAILY 5 TO 10 % ASSURED PROFIT FROM JUST 2 INTRADAY CALLS,SUBSCRIBE TO INTRADAY BLASTER PACKAGE,OR GET AT LEAST 20 POINTS ASSURED DAILY FROM JUST I CALL IN NIFTY FUTURES,SUBSCRIBE TO NIFTY SURE SHOT PACKAGE.For More Details Mail:- info@tradetoprofit.in, admin@tradetoprofit.in call : +91-9990323428,9910664620.
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COMMODITY-DAILY

DETAILS:-

1-TIPS ARE PROVIDED FROM METAL AND ENERGY SEGMENT 
2-DAILY 1-2 CALLS ARE PROVIDED 
3-FULL FOLLOW UP CALLS TILL OPEN POSITIONS 
4-ACCURACY= 90 %

  • TIPS ARE PROVIDED BY SMS AND ALSO ON YAHOO MASSANGER SERVICE.
  • PREMIUM SMS SERVICE THAT IS GURANTEE OF INTIME DELIVERY OF EVERY TIPS. (WITHIN 6 SECONDS)
  • ALL TIPS ARE PROVIDED DURING LIVE MARKET HOURS.
  • PROPER ENTRY EXIT STOPLOSS  MESSAGES ARE PROVIDED TILL OPEN POSITIONS.
  • MORE THAN 90 % ASSURED ACCURACY.
  • 1 TARGET AND 1 STOPLOSS IS PROVIDED (NO PART PROFIT BOOKING SYSTEM)
  • 1 TIME ENTRY AND 1 TIME TOTAL EXIT CALLS ARE PROVIDED
  • WE DON'T RECOMMEND CAPITAL REQUIRED,BUT YOU SHOULD INVEST SUCH AMOUNT THAT CAN BE EASILY EXITTED.
  • WE DON'T RECOMMEND OVERTRADING
  • CALL FORMAT EXAMPLE - BUY SCRIPNAME AT 100 TARGET 110 SL 98
  • IN CASE OF THE PACKAGE WHERE 2 CALLS ARE PROVIDED BOTH CALL MAY REMAIN OPEN AT A SINGLE POINT OF TIME.
  • MAXIMUM 2 CALLS WILL REMAIN OPEN AT A SINGLE POINT OF TIME.


PRICING:-

(a)5 DAYS TRIAL    RS 1000 
(b)1 MONTHS         RS 4000 
(c)3 MONTHS         RS 11000 
(c)6 MONTHS         RS 21000 
(c)12 MONTHS       RS 40,000

Contact Us

Commodity trading tips.

GET DAILY 5 TO 10 % ASSURED PROFIT FROM JUST 2 INTRADAY CALLS,SUBSCRIBE TO INTRADAY BLASTER PACKAGE,OR GET AT LEAST 20 POINTS ASSURED DAILY FROM JUST I CALL IN NIFTY FUTURES,SUBSCRIBE TO NIFTY SURE SHOT PACKAGE.For More Details Mail:- info@tradetoprofit.in, admin@tradetoprofit.in call : +91-9990323428,9910664620.
free stock tips,free share tips, bse tips

COMMODITY-DAILY

DETAILS:-

1-TIPS ARE PROVIDED FROM METAL AND ENERGY SEGMENT 
2-DAILY 1-2 CALLS ARE PROVIDED 
3-FULL FOLLOW UP CALLS TILL OPEN POSITIONS 
4-ACCURACY= 90 %

  • TIPS ARE PROVIDED BY SMS AND ALSO ON YAHOO MASSANGER SERVICE.
  • PREMIUM SMS SERVICE THAT IS GURANTEE OF INTIME DELIVERY OF EVERY TIPS. (WITHIN 6 SECONDS)
  • ALL TIPS ARE PROVIDED DURING LIVE MARKET HOURS.
  • PROPER ENTRY EXIT STOPLOSS  MESSAGES ARE PROVIDED TILL OPEN POSITIONS.
  • MORE THAN 90 % ASSURED ACCURACY.
  • 1 TARGET AND 1 STOPLOSS IS PROVIDED (NO PART PROFIT BOOKING SYSTEM)
  • 1 TIME ENTRY AND 1 TIME TOTAL EXIT CALLS ARE PROVIDED
  • WE DON'T RECOMMEND CAPITAL REQUIRED,BUT YOU SHOULD INVEST SUCH AMOUNT THAT CAN BE EASILY EXITTED.
  • WE DON'T RECOMMEND OVERTRADING
  • CALL FORMAT EXAMPLE - BUY SCRIPNAME AT 100 TARGET 110 SL 98
  • IN CASE OF THE PACKAGE WHERE 2 CALLS ARE PROVIDED BOTH CALL MAY REMAIN OPEN AT A SINGLE POINT OF TIME.
  • MAXIMUM 2 CALLS WILL REMAIN OPEN AT A SINGLE POINT OF TIME.


PRICING:-

(a)5 DAYS TRIAL    RS 1000 
(b)1 MONTHS         RS 4000 
(c)3 MONTHS         RS 11000 
(c)6 MONTHS         RS 21000 
(c)12 MONTHS       RS 40,000

Contact Us

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