There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
Trend analysis of stock market since 2000 tokbinayakiya
This PPT of mine Project Report on Trend analysis of stock market since 2000-2017. Any body need this than contact Me through Gmail. Binayakiya@gmail.com
With ‘Buy Today Sell Tomorrow® (BTST® )’ you can get the incredible advantage of selling the stocks that you have bought on the previous day. That’s right, you no longer need to wait for the receipt of your shares into your demat account.
There are almost 7 types of SIPs in mutual funds which would help investors to grow their money with discipline. #TypesSIPmutualfunds #SIPMutualFunds
https://tinyurl.com/y4sa92lv
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
Trend analysis of stock market since 2000 tokbinayakiya
This PPT of mine Project Report on Trend analysis of stock market since 2000-2017. Any body need this than contact Me through Gmail. Binayakiya@gmail.com
With ‘Buy Today Sell Tomorrow® (BTST® )’ you can get the incredible advantage of selling the stocks that you have bought on the previous day. That’s right, you no longer need to wait for the receipt of your shares into your demat account.
There are almost 7 types of SIPs in mutual funds which would help investors to grow their money with discipline. #TypesSIPmutualfunds #SIPMutualFunds
https://tinyurl.com/y4sa92lv
Swiftnlift Announces wealth management advisors to look for in 2021Swiftnlift
Providing oversights and strategic management of every aspect of a person’s financial activity from asset management to financial planning, risk management to retirement planning.
Weekly cash report for 24th to 28th july 2017 by trade india researchTradeIndia Research
Daily Equity Cash Report By TradeIndia Research.We Are SEBI registerd investment advisor & providing Service Of Equity & Commodity market to our clients We are providing Accurate CallS , Tips Services.
Business opportunity to Build your career as LIC Agent.
You will be trained by Experts to make your career a grand success.
Go through the presentation and apply online or give us a call for appointment.
WE MAKE ORDINARY PEOPLE EARN EXTRAORDINARY WEALTH
The Film series 'E Go Better' was designed as an educative tool to enhance financial literacy among existing and potential clients of Microfinance Banks. The series is suited for screenings at workshops and trainings. The educative value of such screenings can be enhanced by discussions and Q&A sessions in-between the episodes. The Message Booklet contains suggestions and guidelines on how the educative messages of each episode can be highlighted effectively during these group discussions.
This is the inaugural issue of our newsletter. We at Seeman advisors thank you all for your trust & belief in our services.This new endeveour will help us in terms of better communications with ours customers.
This newsletter will provide you the educative stuffs and motivating stories to help you in taking informed investment decisions. This is private circulation by KCI Moneyline
Swiftnlift Announces wealth management advisors to look for in 2021Swiftnlift
Providing oversights and strategic management of every aspect of a person’s financial activity from asset management to financial planning, risk management to retirement planning.
Weekly cash report for 24th to 28th july 2017 by trade india researchTradeIndia Research
Daily Equity Cash Report By TradeIndia Research.We Are SEBI registerd investment advisor & providing Service Of Equity & Commodity market to our clients We are providing Accurate CallS , Tips Services.
Business opportunity to Build your career as LIC Agent.
You will be trained by Experts to make your career a grand success.
Go through the presentation and apply online or give us a call for appointment.
WE MAKE ORDINARY PEOPLE EARN EXTRAORDINARY WEALTH
The Film series 'E Go Better' was designed as an educative tool to enhance financial literacy among existing and potential clients of Microfinance Banks. The series is suited for screenings at workshops and trainings. The educative value of such screenings can be enhanced by discussions and Q&A sessions in-between the episodes. The Message Booklet contains suggestions and guidelines on how the educative messages of each episode can be highlighted effectively during these group discussions.
This is the inaugural issue of our newsletter. We at Seeman advisors thank you all for your trust & belief in our services.This new endeveour will help us in terms of better communications with ours customers.
This newsletter will provide you the educative stuffs and motivating stories to help you in taking informed investment decisions. This is private circulation by KCI Moneyline
A simple presentation which will help you understand the smarter way to investing through Goal-Based planning. It will help you understand the way to maximise returns at low risks.
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
Just the facts sept 2020
1. JUSTTHEFACT
Monthly Newsletter by Just Invest Online
VOLUME 03, 09/20SEP
Dear Readers,
First of all I would like to thank you all for your comments and feedbacks on the
inaugural issue of our Newsletter. In this issue we have kept the topics intact ,
as previous one, but tried to cover some interesting reads related to good
investing.
We have witnessed the astronomical returns from the quality and the
expensive stocks have continued to perform well. Despite their higher
valuation,these stocks are on top of the chart for last 1, 2 and even three years..
Analyst and experts believe that, these same Nifty 500 stocks are likely to
continue their outperformance, underscoring India’s apparent preference for
quality over value.
I am sure you have learnt the art of good investing by way of SIP ( Systematic
Investment Plan) and using the features of SWP ( Systematic Withdrawal Plan) ,
as explained in our previous issue. Read some more inspiring stories and
interesting market Gyan in this issue,and invest right !
Best Wishes,
INSIDE
1 Investment Gyan
2 Case Story
3 Market
Indicators
4 Q & A
fromeditor'sdesk
Chetan Jain , Managing Partner,
Just Invest Online
2. Debt : Equity Ratio < 20%
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to
plan, you are planning to fail.”Finance is a very integral part of our lives. We work
hard all throughout, fulfilling wishes like buying a house, going on a dream vacation,
children’s marriage, child’s education and much more. But all the hard work will not
have any significance if one doesn’t make a proper Goal plan for their future. A
proper plan of investments Mix that will give good yields at proper time is a must for
everyone. We at Just Invest Online will help you in every step of executing your plan,
with safe & secure online investing platform. With over 15 years of existence in the
Financial industry, we have helped our clients in hassle free execution and easy to
track valuation tools. We have helped our clients in terms of incidental advice and
suitability test, to pick up right investment choices at the appropriate time. We at
Just Invest Online are thorough professionals and believe only in giving our best to
the client. That’s why, the team ensures to be in sync with the latest happenings of
the industry and updating the same to customer and also we ensure that our clients
have the ease to access their portfolio and are aware of the investments made in few
easy clicks.
Any questions related to investments ? Do you want to
get your Investment Suitability test done for free ? Do
you want to execute your financial plan through new
products or existing products ? Visit our website
www,jiol.in or E mail at info@justinvestonline.com
ORDER AT : +91 -98864 41717
Our Objective
To provide our customers of Just Invest
Online one of the best Online Platforms
(via Website and Mobile App) to Transact
and Manage their financial Portfolio and
at the same time to handhold our clients
to achieve their life goals with right
instruments and right product Mix,
3. TALK TO US AT : 12345677777
CHAPTER1
Investment Gyan - How to correct your Finances ?
If answer to any of the above question is 'No' - then you must correct that area by way of
more learning or proper help from your Investment Advisor.
We at JIO ( Just Invest Online) are here to execute any of your transactions at a click, and
offer you hassle free services
You can even mail us at : info@justinvestonline.com to get the appropriate learning
material related to each of the above 'Questions'
CONTD..
4. TALK TO US AT : 12345677777TALK TO US AT : +91 - 98864 41717
SEBI Issues New Rules For
Multi-cap Funds. What
Should The Investors Do?
On September 11th, the Securities and Exchange Board of India (SEBI) released a circular
which called for a material change in the portfolio structure of Multi-cap funds.
Multicap funds needed to have a minimum of 65% of their assets invested in equities at
any given time. This means the fund manager was free to decide how much of the scheme
assets were going to large-cap companies, mid-cap, and small-cap companies.
Here are the 2 New SEBI Rules For Multicap Funds :
Number 1: Minimum allocation to equities was increased from 65% to 75% This change
won’t have a major issue, because Multi cap funds are generally invested in equities most
time.
Number 2: Defined minimum allocation in each market capitalization. This means at least
25% each in large-cap companies, mid-caps, and small-cap companies.
As an impact of this new regulation, we expect a major shift of funds from Large cap Stocks
to Mid and Small Cap stocks.
The table shown below ( Source : ET) , will explain the clear position of few Multicap Funds
in India. This table in itself will explain you the reason, why there will be a windfall buying
actions in Small Cap stocks, after the SEBI notifications
5. Chapter 2 :
How Dhruv Created a
SMART Corpus for
his Daughter's Education ?
TALK TO US AT : +91 -98864 41717
This is a true story of Dhruv & Nisha ( names changed for privacy matter), who are a proud
parent of Drishti 19 Yrs , pursuing her Bachelors Degree in Mumbai. Dhruv & Nisha both are
working and has been investing through us since last 10 years
I still remember, when they approached me for investing their monthly savings towards the
education fund for Drishti, in the year 2010. Playing my role as a Goal Estimator, I asked them
their requirements . I asked them following questions :
1. Are you clear about the future education plan of Drishti ? I mean, do you have any plans
for her abroad education ?
2. How much money would you require( assuming Drishti is of 18 Yrs today ) ? Do you need a
lumpsum amount or a regular cash flow to sustain her education expenses ?
ANSWERS PROVIDED BY THE PARENTS :
They were very clear that they had no plan for abroad
education as Drishti was their only child. As per their fund
requirements, they were willing to achieve a regular cash
flow stream for Drishti when she would attain the age of 19
yrs. As per their estimate they desired for a monthly Income
of approximately Rs 10000 per month from the year 2020.
The parents were ready to allocate Rs 10000 per month for
this purpose
CONTD..
6. INCIDENTAL ADVICE PROVIDED BY US :
Since both Dhruv and Nisha were a working parent and
young , the calculation put them in an ‘Aggressive
Investor category’ . Hence we suggested them an
investment plan which could grow to a level so as to give
them a fixed cash flow of Rs 10000 per month !
They invested in a Value Fund called – ICICI Prudential
Discovery Fund through a monthly SIP of Rs 10000 per
month , starting from 13th Sept 2010.
Let us see the actual growth of their Capital as on 1st
September 2020 :
CONTD..
7. TALK TO US AT : +91 -98864 41717
This month onwards, Dhruv & Nisha is going to stop this SIP and switch all their proceeds in a
less riskier and a dynamic asset allocation fund – ICICI Prudential Balanced Advantage Fund.
Further , they have opted for a monthly withdrawal of Rs 700 per lac per month i.e @8.4% per
annum. So on the total capital of Rs 22 lacs they will be now getting Rs 15,400 per month (
much more than what they desired)
We at JIO is happy to share this story of disciplined savings and SMARTER investments by this
young couple. Today Drishti is pursuing her career a Mumbai and living with her parents;
parents are happy that they are free from any financial burden due to Drishti’s higher
education. Drishti can now use the capital anytime, when she gets to the job or when she gets
married or when she wish to acquire any asset later in her age.
We salute to this SMART parent for their patience and discipline to run their SIP.
Note : The fund performance shown in the story are real and used for the presentation
purpose only. There is no guarantee that the past performance will be repeated in
future also. We do not directly or indirectly recommend any scheme through this story
but want our readers to get inspired through the actual numbers. You are advised to
talk to us for suitability match, before going for any particular investments
C o n t a c t u s a t :
info@justinvestonline.com o r c a l l
a t 98864 41717 t o o r d e r f o r a n y o f
t h e S I P r e l a t e d i n v e s t m e n t s - w e
d o n ' t c h a r g e a n y f e e s !
D i s c l o s u r e s : W e a r e r e g i s t e r e d
d i s t r i b u t o r o f v a r i o u s M u t u a l F u n d
a n d I n s u r a n c e p r o d u c t s . O n e s h o u l d
n o t e t h a t p a s t p e r f o r m a n c e o f a n y
s c h e m e i s n o t t h e g u a r a n t e e o f i t s
f u t u r e p e r f o r m a n c e
10. Q&ACORNER
Q : How can I start investing in a Mutual Fund
Scheme, if I know my Risk appetite and scheme
catgeory ? How do you help in this ?
Questions Posted on our Social Media
FB/justinvest | Linkedien/justinvest
98864 41717
info @justinvestonline.com
www.jiol.in
App : justinvestonline
You can invest in Mutual Funds by simply calling us
at 9886441717 or E mail us at :
info@justinvestonline.com. Our team will assist you
in creating a one time MF trading account, online.
After completing this one time process of
Onboarding, you can easily start investing yourself
via our mobile app or website. You can even place
your orders on phone. You must know here that
there are fixed trading time for Mutual Fund units,
which varies from asset to asset; like for Liquid funds
we have a cutoff time of 11 am while for Equity funds
we have a cutoff time of 1 pm
Q : What can be my investment value if I invest
Rs 2000 per month for 20 Yrs ?
You have not mentioned anything about your Risk
appetite here, hence I am simply presenting the
calculation based upon an assumed ROI of 12% p.a
across various periods. Please check the table on the
right side of this page
I must congratulate you on this great initiative to
share informations and insights on key
investment subject through your News letter DO
you charge anything for the subscription ?
Vivek, Nasik
JTF : Thanks for your appreciation . No sir, we don't
charge anything for this . This is strictly for private
circulations only. You just need to be on our mailing
list to get the regular copies of our publications