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May the God gives You
12 Month of Happiness,
52 Weeks of Fun,
365 Days Success,
8760 Hours Good Health,
52600 Minutes Good Luck,
3153600 Seconds of Joy

Thank you very much  and

Happy New Year 2010

Consequently, the continuous trading session in both segments (Equity
and Equity Derivatives) will be from 9.00 a.m. to 3.30 pm on all
business days. There will be no change in timings of any other session
in both the segments. It is also clarified that the Block Deal window
timings in the Equity Segment of the exchange will be from 9.00 a.m.
to 9.35 a.m. There is no change in the timings of closing session,
Auction market.

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You can now access your Credit Information Report (CIR) directly from CIBIL. As you may be aware, your CIBIL CIR is a factual record of your credit payment history compiled from information received from credit grantors. The purpose is to help credit grantors make informed lending decisions - quickly and objectively, and enable faster processing of your credit applications to help provide you speedier access to credit at better terms.

You can request for a copy of your CIBIL CIR in three quick steps through Email, Mail or Fax:

Email: myreport@cibil.com

• 1. Email the CIR Request Form duly filled in
• 2. Mail self attested hardcopies of your latest Identity Proof¹and      Address Proof² documents and Fees³ to P.O.BOX 17, Millennium      Business Park, Navi Mumbai- 400710
• 3. Once CIBIL receives the documents and Fees³, your request will be      processed and copy of your CIR will be dispatched to you.

Letter: Address*

• 1. Write to CIBIL with the CIR Request Form duly filled in
• 2. Also mail self attested hardcopies of your Identity Proof¹ and latest     Address Proof² documents and Fees³ to P.O.BOX 17, Millennium     Business Park, Navi Mumbai- 400710
• 3. Once CIBIL receives the documents and Fees³, your request will be      processed and copy of your CIR will be dispatched to you.

Fax: 022-40789007

• 1. Fax CIBIL the CIR Request Form duly filled in
• 2. Mail self attested hardcopies of your Identity Proof¹ and latest      Address Proof² documents and Fees³ to P.O.Box 17, Millennium      Business Park, Navi Mumbai 400710
• 3. Once CIBIL receives the documents and Fees³, your request will be      processed and a copy of your CIR will be dispatched to you.

1. Valid Identity Proof: PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of      these Identity Proofs)

2. Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self      attested hard copy of any one of these Address Proofs)

3. Payment terms: Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery      charge) , in favour of Credit Information Bureau (India) Limited payable at Mumbai
     Please note that the fee once paid is non-refundable.

Download Request Form

CIBIL has no authorised agents. Please do not contact anyone other than CIBIL in order to gain access to a copy of your Credit Information Report.

Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIBIL CIR, if you require any explanation/clarification, you can email us at consumerqueries@cibil.com.

CIBIL is always at your service to assist you.

* Credit Information Bureau (India) Limited
P.O Box 17,
Millennium Business Park,
Navi Mumbai- 400710

All your correspondence to CIBIL must be sent through Indian Post only

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Based on the feedback received from different sections of India’s investment community, the country’s two main exchanges—BSE and NSE—have jointly agreed on Thursday to open the bourses for trading from 9am with effect from 4 January 2010.

The BSE in a statement said, “… it has been jointly decided by BSE and NSE that the revision of market open timing to 9 am shall be effective from January 4, 2010. In the interim, the current market open timing of 9:55 am shall continue.”

On Wednesday, the exchanges said the market would open at 9 am effective 18 December, an advancement of nearly an hour. The market closing time would continue to remain unchanged at 3:30 pm.

In October, market regulator Sebi allowed stock exchanges to fix trading timings between 9am and 5 pm.

he National Stock Exchange (NSE) on Wednesday evening announced it would pre-pone the market opening to 9am from Friday, from 9.52 earlier. Market closing, however, would remain the same — 3.30pm — the NSE said. Minutes after the NSE announcement, the BSE — not to be left behind — too said it would open the markets at 9am.

Source : NSE & BSE Press Releases

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Nirmal Bang has recently came out with a exhaustive research report on Indian Commodity market.  You can access the report here. Those interested in trading in commodity market may found the report very useful.

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Stock market some times behave like a mad man. Some good companies are punished for no reason. Some unworthy companies may give windfall gains due to manipulation. But these are for only short term. In the long run, market always reward real winners. Identifying and staying with these gems would definitely give windfall returns to the portfolio.

Cox&Kings is one of the gems. When Cox&Kings came out with IPO, we wrote   on 18.11.2009 “Comparing it’s position in the industry  and compelling valuation make us to recommend this IPO. Invest at CutOFF”.  On 08.12.2009, we came out with a list of stocks that worth investing. We included Cox&Kings in that list even before listing. See the first day performance.

Cox & Kings raised 6.10 billion rupees ($131 million) through its IPO. Its shares opened at 304.10 rupees--7.8% below its 330 rupees issue price--but staged a smart come back. Shares in the travel company finally closed at 426.05 rupees and over 16.95 million shares changed hands on the Bombay Stock Exchange.

We expect that the stock would double in the next two years. Hold.

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ICICI Foundation says that If you are an achiever and want to do something that will change the world around you, this programme is for you. It also claims that it is not just a training programme, this is a transformative experience. Focusing on personal coaching, mentorship, experiential modules, hands-on training, in addition to management training; this pioneering programme provides you with information, knowledge & more importantly - an insight into social dynamics.

Age & Qualification
If you are an achiever between 21 to 28 years of age and a graduate as on 1st July, 2010, you are eligible to apply.

Support Provided

A fixed monthly stipend of Rs. 12,000/- (during your tenure with the NGO)

Travel reimbursement by Tier III AC in train or equivalent.(programme related & further to approvals)

A medical insurance of Rs 1 Lakh per year.

Personalised coaching and mentorship provided to you through your entire tenure.

To maximise this personal transformative journey, iVolunteer will also facilitate analysing and managing your progress and areas of opportunity.

Post Fellowship Support: The alumni support services available for ICICI Fellows on successful completion of the programme will include career counselling, professional networking and tie ups with organisations seeking leadership talent.

Selection Process

ICICI Fellows is an exclusive programme targetted at the top youth talent in the country. All applicants for the programme will undergo a stringent selection process aimed to select the most talented young graduates with consistent past performance record, displaying leadership potential and a passion for India.
The selection process comprises :

Online Application: All candidates need to complete the Online Application Form on this website. The last date for applying is 30th January, 2010.

Preliminary Screening & Tele-interviews: Preliminary screening will be conducted based upon the information submitted in the application. Shortlisted candidates will be scheduled for a telephonic interview.

Assessment Days: Candidates finally shortlisted will need to attend an assessment day. The assessment day will be one whole day of activities, wherein the candidates will be assessed on their aptitude, leadership skills, commitment to the programme, ability to undergo the intensive modules and inclination towards nation-building. The assessment days focus closely on each candidate while subjecting them to a mix of individual and group activities under close observation of a group of trained and accomplished assessors.

The select few who emerge successful at the end of the selection process will be ready for the rigorous 2-year journey.

For more information, Please click here

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Here is a list of stocks that you  can consider for long-term investment.

1. 3i Infotech
2. ACC
3. Amara Raja Batteries
4. Apollo Hospitals
5. Asian Paints
6. Balrampur Chini
7. Bhariti Airtel
8. Biocon
9. Cairn
10. Cipla
11. Colgate- palmolive
12. Cox & Kings
13. Dabur
14. Engineers India
15. Exide Ind
16. GAIL
17. GMR Infra
18. Gujarat NRE
19. Hotel Leela
20. HUL
21. India Cements
22. Indian Hotels
23. ITC
24. JAIN Irrigations
25. Marico
26. Max India
27. Nestle
28. Polaris Software
29. Rolta India
30. Sintex Indus
31. SRF
32. SUN TV
33. Suzlon Energy
34. TATA Steel
35. TATA Tea
36. Zydus Wellness

As I am not personally inclined to invest in Reliance Group, I have avoided both the Reliance Group. If ethics is not a problem for you, you can consider, Reliance Ind and Reliance Communi for your investments.

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Sharekhan’s monthly news letter Value Guide with latest stocks recommendations is released to its customers.

• Aditya Birla Nuvo: Price target revised to Rs925
• Balrampur Chini Mills: Strong numbers in the offing
• BASF India: Price target revised to Rs390
• Bharat Electronics: Put on Hold
• Corporation Bank: Price target revised to Rs514
• Dhampur Sugar Mills: Results in line with expectations
• Genus Power Infrastructures: Suspend coverage
• Godrej Consumer Products: Upgraded to Buy
• Hindustan Unilever: Put on Hold
• ICICI Bank: Upgraded to Buy
• Indian Hotels Company: Revival in occupancies augurs well
• Infosys Technologies: Infosys BPO to acquire McCamish 
• ISMT: Margins below expectations
• Orbit Corporation: Put on Hold
• Orchid Chemicals & Pharmaceuticals: Put on Hold
• Patels Airtemp India: Better operating performance boosts profits
• Reliance Industries: Price target revised to Rs2,250
• Selan Exploration Technology: Price target revised to Rs360
• State Bank of India: Results largely inline; negative surprise on asset quality
• Subros: Q2 performance better than expected
• Sun Pharmaceutical Industries: Price target revised to Rs1,491
• Torrent Pharmaceuticals: Price target revised to Rs420
• Tourism Finance Corporation of India: Price target revised to Rs28
• UltraTech Cement: UltraTech-Samruddhi merger; swap ratio 4:7

For full report, Please click here.

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This is the first step in risk management and also the first step in building a sound financial plan for any individual. Once a person’s risks are covered, he can safely plan for his goals. If risks are not covered and he plans for his goals of life right away, then all of his savings accumulated to meet the goals will get wiped out if any untoward incident occurs.

What is contingency planning? How to go about it?

Contingency planning can well be termed as saving for a rainy day. It is planning for any emergency that might be lurking round the corner. A contingency fund or emergency fund has to be prepared to meet any emergency. Predicting how much would be enough for such situations is always difficult.

How to calculate a contingency plan?

Each one of us prepares a monthly budget wherein we list the items and the expenses against them. From the list of expenses, a person needs to distinguish them as mandatory expenses and voluntary expenses. Mandatory expenses are those that are supposed to be met ‘come what may’. EMIs, insurance premium, grocery and utility bills, etc fall under this category. Voluntary expenses are those which can be avoided during bad times. Going on a vacation, eating out or going for movies fall in this category.

Begin by preparing a cash flow statement. List all the  mandatory expenses. Break down mandatory expenses further into fixed mandatory expenses like loan EMIs, insurance premium, rent, etc and variable mandatory expenses like grocery expenses, transportation expenses, electricity bills, phone bills, etc. These are expenses which vary from month to month.
From the exemplary table, the yearly expenditure comes to Rs 3,53,072. Hence, the monthly expenditure equals Rs 29,423. The contingency or emergency fund should consist of amount equal to three months of a person’s mandatory expenses. Hence the amount a person needs to keep aside is Rs 88,269 (Rs 29,423*3).

Why consider three months?

Research has shown that generally three months are enough for an individual to come out of any catastrophe. If a person is retired then he needs to keep aside at least six months of mandatory expenses. So the above figure will come to Rs 1,76,538 (Rs 29,423*6). This amount definitely seems difficult to keep as contingency. This fund can be raised slowly. The fund should be bifurcated in the following manner: Cash In Hand: The amount to be set aside in cash is called as cash in hand. From the above example, the person should keep aside Rs 15,000 as cash in hand. Savings Account: A part of the fund should be kept in a savings account and should be easily accessible through an ATM. From the above example, Rs 20,000 should be
available in a person’s savings account at all time. Liquid Fund/ Bank Fixed Deposit: The balance amount in this case which is Rs 53,269 can either be invested in liquid funds or in a bank fixed deposit. Since a person can also earn returns, it will be safe and easily redeemable. If saving this amount seems difficult, begin by keeping aside small amounts every month. The above amount is for an emergency and not for daily needs. As and when one withdraws the amount from this fund, he must remember to replenish the fund.

INSURANCE PLANNING
Once the first step of contingency planning is covered, move on to the second step - insurance planning. It is the second step of a sound financial plan and risk management. Insurance is planning for any untoward incidents in an individual’s life. Remember to have a life insurance cover for the earning member of the family and a health insurance cover for every member of the family. Once the above two are in place, the risk is covered. A person cannot predict when a crisis might strike but he can at least prepare himself for such unforeseen events.

Thanks to Nirmal Bang Beyond the Market

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The IMEI (International Mobile Equipment Identity) number is on all GSM and UMTS mobile phones. But your China mobile may bear no IMEI or fake IMEI number. To check the originality of your IMEI number, first you need to find the IMEI number. Indian Government is planning to ban these type of mobiles.

Steps for finding IMEI number

1. Ensure your phone is powered on.
2. Return to the "idle" screen, or your "desktop". If you were in the middle of a call, end it, and clear any numbers you pressed while making that call.
3. Press the following keys one by one: * # 0 6 #
4. As you press on the last #, a number will appear with the title, IMEI number, or similar.

How to check authenticity of your IMEI Number?

Visit this link http://www.numberingplans.com/?page=analysis&sub=imeinr and you can check the information about your your IMEI number.

Through SMS

To verify the IMEI number one can send a message “IMEI to 53232
For eg, IMEI 351869910223340 to 53232
Message displayed for correct IMEI – Success!!
Message displayed for incorrect IMEI – Alert!!! Invalid IMEI

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Why Study Abroad?
Dr.MM Dwyer and CK Peters in their article “The Benefits of Study abroad” have confirmed significant gains that quantifiable in percent terms.
Personal Growth
Increased self-confidence
Served as a catalyst for increased maturity
Has had a lasting impact on world view
Academic Commitment
Enhanced interest in academic study
Influenced subsequent educational experiences
Reinforced commitment to foreign language study
Intercultural Development
Helped me better understand my own cultural values and biases
Influenced me to seek out a greater diversity of friends
Continues to influence interactions with people from different cultures
Career development
Acquired skill sets that influenced career path
Ignited an interest in a career direction pursued after the experience
Source: www.transitionsabroad.com

Fact

2009 CGS International Graduate Admissions Survey, Phase III: Final Applications and Initial Offers of Admission consisted of all 504 U.S. colleges and universities survey results reveal that offers of admission to prospective graduate students from India fell 14% in 2009, following a 2% decline in 2008, and increases of 9% in 2007 and 26% in 2006 but offers of admission to prospective students from China continued to increase in 2009, with a 17% gain; this is the fourth consecutive year of double-digit growth.
Interpretation
Indian students are finding it difficult to get admitted in US colleges
Significant budgetary shortfall for US universities
Lack of Focused preparation towards US colleges
Lack of Availability of Scholarships
Lack of Guidance for the students
What we are offering?
A prestigious graduate scholarship namely “TATA FELLOWS” to study abroad for VETERINARY, AGRICULTURE AND ALLIED FIELD students. For Details contact me.
sureshd@sathguru.com

Source : Email received from my friend Dr.D. Suresh

1. Select Enable next to Offline Gmail.
2. Click Save Changes.
3. After your browser reloads, you'll see a new "Offline" link in the upper righthand corner of the Gmail page, next to your username. Click this link to start the offline set up process and download Gears if you don't already have it.

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Max India
Cluster: Emerging Star
Recommendation: Buy
Price target: Rs295
Current market price: Rs212
Value Maximiser

Key points

• A unique investment proposition: Max India is a unique investment opportunity providing direct exposure to two sunrise industries of insurance and healthcare services. Max New York Life (MNYL), its life insurance subsidiary, is among the leading private sector players, has gained the critical mass and enjoy some of the best operating parameters.

• Insurance?the key value contributor: MNYL, a 74:26 JV between Max India and New York Life, is the seventh largest insurance player with a market share of 5.2% and an extremely healthy NBAP margin of 21% (in FY2009). It is differentiated from its peers by its focus on traditional products, relatively low dependence on ULIPs, a highly productive agency network and high persistency rates. In our SOTP valuation of Max India, MNYL contributes Rs263 a share based on the appraisal value method.

• Healthcare?aggressive expansion plans: Max Healthcare has presence across the healthcare delivery value chain, addressing the primary, secondary and tertiary care needs of patients. The company plans to increase its capacity to around 1,800 beds by 2011. We value the healthcare business of Max India based on the EV/EBITDA method and the business contributes Rs20 a share to our SOTP valuation.

• Other business?aids cash flow: Max India also has a biaxially oriented polypropylene (BOPP) facility running at full capacity of 29,000TPA. It is in the process of expanding its production capacity for BOPP films to 49,000TPA by the end of the next financial year. The specialty product business contributes Rs12 a share to our SOTP valuation, based on the price-to-sales ratio valuation method.

• Valuation?price target of Rs295: Apart from the above mentioned business, the company is looking at investing and building other businesses, including clinical research and general insurance, that would add to its valuations in the coming years. Moreover, the possible hike in the foreign direct investment (FDI) limit for the insurance companies and the expected public offerings by the private insurance players are two likely triggers for the re-rating of the stock. We initiate coverage on Max India with a Buy rating and a price target of Rs295.

For Full Report, Please Click here

Source : Sharekhan Research Report

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Crimes are increasing day by day. Cyber crimes are also increasing with the advancement of new age technologies. For easy and convenient lodging of complaints, Tamil Nadu Police has designed a website. To lodge a complaint, Please Click here.    Women can also lodge cyber crimes through phone by calling 1091 ( Chennai).

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We once again reiterate that the investors should exit from Indian Telecom stocks. To quote from our post  published on 05.10.2009  ( Very next day Telecom stocks started tumbling)

“First time in the history of Indian Telecom sector, ARU (Average Revenue per User) falls below Rs.200. Voice services are no longer remunerative. Number portability would put more pressure on profitability on existing players. 3G services may not see the day light in the near future. Raja may not be the King in this time. TRAI may advice all the players to offer “ per second billing” to it’s customers. This alone shave 20% of voice call profitability. This time lobbying may not help one or two companies alone or rescue laggards.

We advice long-term investors  to exit Indian Telecom stocks including Bharathi and RCOM. Difficult times ahead.”

Number portability would be come in to force  from January 2010 and the cost to the subscriber is only Rs.19. We expect lot of churning in the highly lucrative “Post Paid” segment. This would again put huge pressure on margins. Already “roaming charges” started to tumble. There are news that TRAI is going to regulate “SMS” charges. Telecom companies are literally cheating customers and deriving super-normal profit that too with out paying any licence fees. This would soon going to end. If BSNL goes ahead with 30paisa/video (3G calls) calls, Telcom operator may not get windfall profits from 3G also. Next few years would be very difficult even for cash positive Bharati. Damage is already done. Exit all Telecom stocks. Bargain hunting in the Telecom space may be injurious to your wealth.

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BUY Cipla Ltd

Start Price: 322.55  |  Target: 345.00  |  Last Trade: 322.50  

BUY Vijaya Bank

Start Price: 55.00  |  Target: 59.00  |  Last Trade: 54.95  |

Above are my latest stock recommendations published in Stockezy. They are delivery picks valid for one month.

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We covered highly useful online Personal Finance Manager Perfios, here and here. Recently this service adds following new features.

Note : Perfios team also launched MyClients – A product specifically developed to help wealth managers manage their clients’ portfolios better.

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SEBI has banned entry load in Mutual Funds. Media reports suggested that Mutual Fund Advisers and intermediaries are unwilling to serve new customers in the post “No Entry Load” scenario.  Even reputed online brokerages like Religare started to charge the online MF transactions. In this changed situation this post attempts to explain some free and convenient options to invest in various Mutual Funds.

How to choose best Mutual Fund Schemes?

Previously you might have relied on the “MF Agent” turned Advisors who have huge conflict of interest. Naturally he advice you New Fund Offers and the schemes that pay higher commission to him irrespective of your need. In this internet era, you can find reliable advices in some reputed sites like value research online. You can also consult print magazines like Outlook Money, The Hindu Business Line, etc.,  We recommend that you can consult all the above three to make sensible investment decisions.

How to invest online?

Almost all the online stock brokers offering facilities to invest online after initial one time registration and paper work. The chosen intermediary should be large, reputed, offer online fund transfer facility from number of banks, tie-up with large number of fund houses, research facility and allow investment with out any extra charges.

We choose following two online brokers which satisfy all the above conditions.

1 India Infoline

2 Sharekhan 

Sharekhan even allows you online SIP facility.

Readers can add their ideas in the comments section.

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Microsoft today released it’s Beta version of office suite.

Here’s what you need to have*:

• Internet access (to download Office Professional Plus 2010 Beta and get updates)
• A PC with these minimum recommended specifications:
  • 500 MHz 32-bit or 64-bit processor or higher
  • 256 MB of system memory or more
  • 3 GB of available disk space
  • 1024x768 or higher resolution monitor
  • DVD-R/W Drive
• Supported Operating Systems:
  • Windows XP with Service Pack (SP) 3 (32-bit)
  • Windows Vista with SP1 (32-bit or 64-bit)
  • Windows Server 2003 R2 (32-bit or 64-bit)
  • Windows Server 2008 with SP2 (32-bit or 64-bit)
  • Windows 7 (32-bit or 64-bit)

*Please note these specifications could change.

Get the download

After registering, you will be able to select the version (we recommend 32-bit which runs great on both 32-bit and 64-bit versions of Windows) and your software language. Downloading the Office Professional Plus 2010 Beta could take an hour or more. The exact time will depend on your provider, bandwidth, and traffic. The good news is that once you start the download, you won't have to answer any more questions – you can walk away while it finishes. If your download gets interrupted, it will restart where it left off.

Once the download is complete, launch the downloaded file and follow the set up instructions.

You can download the software from here

It may take upto 1 hour to download approx.700MB file. It may take another 30mins to install.

Please note that Google calendar sync in not working with Outlook2010 Beta.

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Investors should use this opportunity to watch out for the banking, pharma and tyre sectors as they look attractive. Stocks that look good for investment and which can be bought at the current prices and on declines are State Bank Of India (SBI) (LTP: Rs 2,204), Torrent Power Ltd (LTP: Rs 339), Gujarat State Petronet Ltd (GSPL) (LTP: Rs 89), Bharat Electronics Ltd (LTP: Rs 1,608), Dr Reddys Laboratories Ltd (LTP: Rs 1,067) Aurobindo Pharma Ltd (LTP: Rs 818) Lakshmi Machine Works Ltd (LMW) (LTP: Rs 1,406), JK Tyre & Industries Ltd (LTP: Rs 161) and Apollo Tyres Ltd (LTP: Rs 54).

For full report, Please click here.

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Yahoo systematically shutting down it’s services. The list includes Geocities, Briefcase and 360. The latest causality.  Yahoo Go! It’s mobile application.

Dear Yahoo! Go user,

Yahoo! Go will be discontinued on January 12, 2010, at 12:00 a.m. PST, so that we may focus on simplifying and enhancing your future mobile Web experiences. After this date, you will no longer be able to use Yahoo! Go 2.0 or 3.0 from your mobile phone.

We encourage you to visit the new mobile homepage from your mobile browser to access an even richer, more personalized Yahoo! experience.

We appreciate your support and thank you for using Yahoo! Mobile services.

For more information and customer support, please visit the help center from your PC.

The Yahoo! Mobile team

One day they may close Yahoo Mail and merge it with Windows Live Mail.

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Issue details
Issue opens : November 18, 2009
Issue closes : November 20, 2009
Issue size : Rs584.5 crore to Rs610.4 crore
Offer size : 1.85 crore shares, forming29.4% of post-issue shares
Face value : Rs10
Price band : Rs316-330 per share

Cox and Kings Ltd (CKIL) is coming out with the public issue of 1.85 crore shares. Of the total issue, the offer for the sale of shares by the existing stakeholders (including Lehman Brothers Opportunity, Deutsche Securities Mauritius and Merrill Lynch Capital Markets Espana, SA, SV) constitutes around 30 lakh shares. The remaining fresh issue of 1.55 crore shares would help the company to raise Rs488.2 crore to Rs510 crore (at the lower and the upper end of the price band respectively).

At the lower end and at the upper end of the price band CKIL is discounting its trailing 12-month earnings per share (EPS; based on pre-IPO equity capital) estimate by ~17.1x and ~17.9x respectively compared with 48.5x for its closest Indian peer, Thomas Cook (India).

Comparing it’s position in the industry  and compelling valuation make us to recommend this IPO. Invest at CutOFF.

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As part of our ongoing rollout of the NEW TypePad Typepad has pleased to announce  new social blogging features and the launch of TypePad Micro: a completely free level of TypePad focused on easy sharing of text, photos, and videos.

A new form of blogging is emerging — somewhere between the status updates of Facebook and Twitter and the full-length posts of classic blogs — focused on being easy, fun, and connected. Think of this middle category as a bridge between blogs and social networks, tapping into the connectedness of networks with the freedom, control, and independence of blogs.

To create your Free A/c, Please Click here.