Shiftmoney Closure Analysis

Hello readers! Today I am going to discuss about the closure of ShiftMoney which is already discussed by other bloggers. But, I want to discuss my point of view and record this information in my blog for future reference.

We all know well that ShiftMoney is a high ROI risky Short term program with a well designed quality website with lot of cool stuff. ShiftMoney was started on 12-Oct-09 and closed on 28-Oct-09 just after the expiration of Plan B deposits which pays 150% after 15 days. This is one program which faced lot of troubles from day 1 itself. In spite of quality website, this program had very bad start. No big support in forum and people are asking lot of questions about the so called e-currency business. In addition to that it had Alertpay verification issue, website down time issue, SolidTrustPay verification issue, Certificate issue etc.,

In HYIP, your success depends on other people's failures. If all others are playing safe with a program then your success is also not guaranteed and you should try to come out as quick as possible. Especially a short term program cannot sustain too many bad signs, but this one had atleast one bad sign every alternative day. I invested 125$ (75$ AP and 50$ SP) on day 1 itself in Plan B which pays 150% after 15 days. I was confident that this program will sustain atleast for one cycle. But, within couple of days it got issues with Alertpay verification and I thought that I did a mistake by investing 125$ in this program. But, that 125$ is just 20% of my seed money which is actually a maximum that I invest in a program. I won't invest more than 20% of my seed money into any program irrespective of how much promising it is. I mostly invest 5 to 10% of my seed money in one program and I will consider to invest little more if it is doing good.

Now, let me take various issues related to this program and discuss that in detail. Following discussions are my perspective of this program closure.

First things First - Shiftmoney is a well planned SCAM by an intelligent admin who has very good experience in scamming. We should be really very careful with these smart admins. They know how to market the website and then scam the investors.

E-currency exchange business - This is really a new concept but it backfired the program badly. Alertpay won't allow exchangers without proper approval. So, they blocked there account immediately. They faced the same problem with SolidTrustpay too. These payment processor issues really affected the popularity of the program to great extend. But, I still can't understand why except me no one else got refund from alertpay till now. I got my refund within 3 days after raising the ticket to alertpay. But, at that time alertpay didn't even taken my ticket for processing. See the steps given below regarding my alertpay dispute,

STEP:1 [Oct-16]Bernard announced that Alertpay is discontinued and asked us to raise a dispute.

STEP:2 [Oct-16]I raised a dispute in Alertpay immediately after receiving the newsletter from admin

STEP:3 [Oct-19]I got full refund of 75$ to my alertpay account. I already published a proof for this in MMG.

STEP:4 [Oct-22]I got a mail from alertpay that my ticket is received and will take 15-30 business days to solve the dispute. If you want proof for this then contact me.

Now, my question. Why I got refund on Oct 19th itself if alertpay is seeing my ticket only on Oct 22nd? I suspect Bernard refunded my transaction because I own a blog. I found this suspicious only when doing closure analysis for this article. The important point here is - Bernard was still having access to his alertpay account at least till Oct 19th. Also a member of MMG contacted alertpay and confirmed that the account is not blocked. Then, why he didn't refund anyone? This explains that the motive is to scam soon and to not run the program for long time.

Why admin should discontinue alertpay if it is not actually blocked? Simple. It is very very difficult to withdraw funds from Alertpay. There should be lot of investments in Alertpay which admin could not withdraw. So, admin should have discontinued alertpay to force the investments on other payment processors.

Certificate of Incorporation - I am following this link (http://www.ifsc.gov.bz/notices.html) for last 1 year and I didn't give much importance to that. Are you seeing anything surprising in IFSC warning notices? We all know that hyips are mere game and the certificate of incorporation are all fake unless they have a link to verify it publically. So, this is actually not a big news for me. But, this added to the problems that Shiftmoney already has because this information is published on forums and some blogs.

IP Address series - I noticed the IP address range when doing DD for CorpoNano. I found that Shiftmoney, RoyalROI, Pexmofund and CorpoNano are having adjacent IP addresses. But at that time I didn't give much importance to that. When Zoundmute (mmg member) published that in Shiftmoney mmg forum, it made me to think more. Because unix-trust also got next number in that IP series. In hyip there is nothing wrong in investigation. We have to investigate more to find out the scammers. It is possible that one admin or group of admin is using a single hosting provider, ddos protection etc., and scamming the investors. I am not saying that the hosting provider is helping these scams. What I am saying is these scammers are comfortable with those hosting services and ddos protection which is a minute detail to trace these scam programs.

I also found that most of the scammers are using Koddos ddos protection. This may be a co-incidence but RoyalROI, PexmoFund, Metualis, forex-monk are all used Koddos ddos protection. It is not clear which DDOS protection was used by Shiftmoney and foxiver scams. All these programs are top scam programs of 2009!!!

Why all of a sudden Shiftmoney closed the website and ran away? No, most of you are thinking that Shiftmoney closure is sudden and unplanned. But, I am seeing this as a well planned one. Admin announced 5% bonus to LR deposits to collect some nice funds to his LR account before disappear. Also, admin knows that it is difficult to get deposits after all these bad signs. There is not much positive posts on forums too. In addition to all these IFSC issued warning for this program and it is displayed on forums and blogs. I am sure Bernard can't answer to this and decided to scam immediately.

What we learnt by following this program?

• Admins can say whatever they want to build trust in forums and to scam new bies. Here admin claimed that ecurrency exchange as a real business and showed that he is very serious about his program. But, the fact is he is very serious to get lot of investments so that he can scam big amount
• In my perspective admin played a big drama about the alertpay issue. Still my alertpay ticket for refund is in OPEN status. Alertpay usually closed the ticket right after the refund. If alertpay issued refund to me then why they didn't close the ticket till now?
• Smart admins are really very dangerous to the hyip arena. They have dedicated server, SSL, DDOS protection etc., But, finally they will scam you even before the end of first cycle. It is really very difficult to find out these scam programs. Next time, they will change the hosting service, ddos etc., to scam us. Diversifying is the only key to minimize the risk
• Bernard and Felix are two fictional characters created by the scammer. I guess both these guys are that same scammer
• A program which is heavily marketing from day 1 onwards means that the admin is using the previously scammed money to advertise. We should be aware of this in future.

It is better to not invest in any short term programs for next 2 months. Be careful and take very calculative risks as the upcoming festival season is very bad for hyip and autosurf programs.

Moneycare Review & News updates

Hi guys! Hope everyone is taking calculative risks to earn nice profit. I personally feel like long term hyip programs are less interesting and short term hyip programs are more risky. I need something in between which is both profitable and comparatively less risky. That's when medium term programs will come into picture. I love to play medium term programs. Especially I enjoyed playing Novalex finance this year. I was in profit in Novalex finance which paid 200% total returns in 50 days. Now, I got a program to review which has almost similar plans like Novalex finance - MoneyCare.

Moneycare is one amazing medium term program which is paying for last two months. It started on August 26th and already completed the first cycle. As per my analysis, this program still have lot of scope to grow and it is growing. Recently admin launched advertisement campaigns in all reputed forums and monitors which boosted the alexa rank for this program. Some good features this program has are - Dedicated server, DDOS protection by ddosWiz, SSL encryption, Comodo identity assurance seal, automatic payment, domain registered till 2019 in case if this matters to you. Now, let me explain various features in this program...

Plans - Moneycare offers 6 plans, but believe me it is not as complex as it sounds. You can broadly classify these 6 plans into 2 plans - Daily & Weekly. Then, the amount you want to invest determines your daily or weekly interest rates. Let us first discuss the daily plan. If you invest between $20 and $200 then you will get 2% daily interest for 50 business days with your principal returned at the end of 50th day. This gives you a total returns of 200% which means your money is doubled. If you wish to invest between $201 and $2,000 then you will get 2.25% daily interest for 50 business days with your principal returned at the end of 50th day. This gives a total returns of 225% which is 25% more than the previous plan. If you are ready to risk $2,001 to $20,000 then you will get 3% daily interest payment for 50 business days which gives you 250% total returns including your principal.

Let's see how much you can earn in weekly plans. If you invest between $20 and $200 then you will get 12% weekly interest payment for 10 weeks which gives a total return of 220% including your principal which is returned at the end of the term. If you are ready to invest between $201 and $2,000 then you will get 15% weekly interest payment for 10 weeks which is whooping 250% total return including your principal. Finally, if you wish to invest between $2,001 and $20,000 then you will get 18% weekly for 10 weeks which gives a total return of 280%!!!!

Now, if you ask me, I prefer to invest in weekly plans when compared to daily plans. Why? Because they are more profitable and I don't think that weekly plans are risky when compared to daily plans. Getting payment once in a week is absolutely fine for me. Let's say you want to invest 250$ in moneycare program. If you invest that 250$ in daily plan then you will get $562.5 total returns (225%) whereas on the other hand if you invest it on weekly plan then you will get $625 total returns (250%). To get the same 250% in daily plan, you have to invest more than $2,000. This is just my personal opinion. You are very welcome to choose your own favorite plan.

All daily interest payments are made around 10 am EST monday-friday. Weekly payments are made once a week at 10 am EST. Sometimes, the weekly payments are made in week ends also. If you join the program in weekend and you selected weekly plan then you will get payouts on weekends. All payments are automatic to the payment processor in which you invested. So, don't worry about requesting payments. No compounding is allowed.

Payment options - Moneycare accepts Liberty reserve, Perfect Money, Strict pay, ECUMoney, Global Digital pay and C-Gold. I believe that admin added all required processors for a hyip program. There are no deposit or withdrawal fee in moneycare.

Security - Moneycare is hosted on a dedicated server with DDOS protection by DdosWiz. Admin took a good decision and bought SSL encryption for payment transactions. It is must because the program is not using any script at all. Comodo verified the identity of the website. You can check out the comodo seal in the home page. For your satisfaction, you can compare the address in the Comodo seal and the registrant address in whois database. I already did the comparison and everything looks identical.

Design/Content - Design is simple and professional. No need to speak much about the usability because no script is used. But, whatever information we have in the site are very easy to access and navigations are very user friendly. I feel that FAQ page has really less questions answered. Looks like admin is not interested to copy & paste the usual questions like Can I lose money? etc.,

Coming to the content of the site, as usual this program is also claiming that it generates profit from forex market. They explained something called principal-protected investments where they will invest only 20% of our principal in forex and remaining 80% are invested in safe investments like bank CDs. It's really funny to read different concepts that admins are introducing to attract the investors. I have no plans to believe these. Do you

They do have the certificate of incorporation if you are interested. You can check various company documents in the contact us page. Moneycare claims that they are registered in Belize. Now-a-days lot of hyips are claiming to be registered in Belize. I won't usually believe this until they have a link to verify the company info in a public site.

Support System - Moneycare has a really simple contact form using which you can contact the admin. No live chat or proper ticketing system available here. Little disappointing. I raised a ticket and I got reply in 12 hours which is not bad. If you want to send direct email to admin then send it to support@moneycare.bz.

Points to Note-

• Whooping 10% referral commission!!!
• Medium term plans almost like Novalex finance
• Automatic withdrawal to your payment processor account
• Claims to be registered in Belize

Quality Factors:

I analyse all the programs in depth and rate them using various quality factors. I believe this is the honest way to rate any program. Once program is rated, I will keep watching the popularity of the program using various tools and the rating is updated accordingly. Keep an eye onprogram details page for latest rating for any program.

Quality Factor	Rating
Is it a sustainable investment plan? (High 6)	4.00
How is the design and usability of the site? (High 4)	4.25
Is the content of the site is original? (High 4)	4.50
Is the site launched in hurry with issues? (more points if NO - High 4)	4.00
Is it on a dedicated server? (High 7)	7.00
Does it have DDOS protection? (High 8)	8.00
How is the security of the program? (High 10)	10.00
How good is the script used by the program?	NA
How is the up-time of the program website? (High 5)	5.00
Does it accept more payment processors? (High 4)	5.00
Does the program has it's own forum? (High 2)	0.00
Does the program has proper support ticket system? (High 4)	2.50
How fast and how good the support team answers the ticket? (High 5)	5.00
How is the admin marketing the site? (High 5)	4.50
How about the website traffic ranking in alexa? (High 5)	4.25
The X Factor (Hidden) (High 6)	4.00
The Y Factor (Hidden) (High 5)	3.50
The Z Factor (Hidden) (High 5)	4.00
Is admin already a member of any forums and how long? (High 3)	0.00
Is admin/any support team member active in any forums? (High 2)	0.00
How is the opening response in forums? (High 6)	4.00
Any spam mails for this program? (more points if NO) (High 5)	5.00
Average rating	4.21

News Updates:

As I mentioned in my post here, UnixTrust scammed all the investors without even paying for first cycle expiry. It payed only for those who invested very less amount and to monitors. I hope at least my readers are not scammed by this program. I will continue to warn if I feel confident that some program is going to scam.

MindPowerSurf - This progrm is ON HOLD status as requested by the admin. Starting a new program is really a very bad move by the admin mircea. I am sure that mindpowersurf is not going to recover from this trap. This program doesn't last for two cycle fully. I expected it to last for atleast two cycles. Looks like autosurf programs are not going to recover at all. If a 14x10 surf program cannot last even for two cycles then I don't think we see a recovery in near future. I don't know how many percent the admin took as profit. But, I am sure putting a program on hold and starting another program is very very bad idea and I am not going to join in the new program.

ShiftMoney - This program is always in news due to some reasons. Yesterday this program got into some problem with its SolidTrustPay account. It looks like STP is asking more documents for proof and admin is sending it today. One good news is, admin promised that STP will be available soon for investment after the approval. Admin refunded all the deposits which are made yesterday using STP. Some actions by this admin are too promising that he really want to continue this program for long term. I am really watching closely how well this admin is managing this program. Now, Shiftmoney crossed 900 member count. Growth is actually slow when you compare a usual short term program. May be investors are cautious because of the upcoming festival season.

IncoForex - IncoForex website is working fine after DDOS attack. But, banners are still not working for me. I guess all monitors are also having this same issue. I have decided to reduce the rating for Incoforex from 4.31 to 4.25 due to the downtime last week.

All other programs are performing well and they are not in news today.

TopFinancial Review & News Updates

Hi guys! Hope everyone is enjoying the weekend. I analysed 4 to 5 hyip programs in last two days and finally decided to review this one. I have couple of programs in my queue, but I am still testing them. I will review once I am fully confident about those programs. If you are a new reader then you should know that I am reviewing only top quality programs in my blog. Check my program details page for up to date rating for all programs. For now, let's jump into today's review....

TopFinancial is a long-term quality hyip program which I am following from day 1 onwards. We already have lot of quality long-term programs like GNI, Panamoney, Genius funds, Infinitiva etc., But, we cannot compare this one with those well established programs. Instead, I feel that IncoForex & CSMFinance are going to give tough competition for TopFinancial. TopFinancial is already well prepared for the competition with Dedicated server, DDOS protection, SSL encryption, Comodo Trust logo, Custom made script, sustainable plans, advanced compounding option, 3-level referral program etc., Let's discuss this program in depth....

Plans - TopFinancial program has three plans called as Level 1, Level 2 and Level 3. Level 1 is for investments between 10$ and 999$ which gives a variable interest rate of 1.1 to 1.4% daily for 210 business days. Yes, you read it correct. It's 210 business days. Excluding the US official holidays, every month has around 20 business days. So, it will take 10.5 months approximately for your investment to expire. This term is little high when compared to most of the other long term programs. I know couple of investors who are hesitating to invest by seeing this long term. In my point of view, this website has all good quality features and my due diligence is very positive about this program. So, I won't bother if my principal is locked for 210 business days.

Level 2 is for investments from 1000$ which gives a fixed interest rate of 1.8% daily for the same 210 business days. Finally, Level 3 is for investments from $10,000 which gives a fixed interest rate of 2.1% daily for 210 business days. All plans do return the principal at the end of the term. I once again remind you that interest are paid only on US business days. US has 10 official holidays, so you won't get interest for those days too.

Compounding - TopFinancial offers compounding in increment of 10% like 10, 20, 30 etc., upto 100%. IMPORTANT - After you made the deposit please do check your compounding %. Compounding is set to 100% by default. You may want to change it back to any other % you like. I can't understand why compounding is set to 100% by default. It should be 0%. But, investors can change the compounding any number of times after the deposit. I have set my compounding as 30% for this program.

Advanced Compounding - This is a unique feature available in TopFinancial. Using advanced compounding, you can lock your compounding to 100% for a pre-determined number of days. By doing that, you will get Extra interest rate irrespective of your plan. For example: If you lock your compounding for 30 days then you will get 0.1% extra interest daily. Your compounding is set to 100% on these 30 days and you won't be able to change it back. See the table below to find out the extra rate for various locked duration.

Days Set	Extra Rate
30-59	0.1% per business day
60-89	0.2% per business day
90-119	0.3% per business day
120-149	0.4% per business day
150-179	0.5% per business day
180-210	0.6% per business day

Some points to be noted regarding advanced compounding options,

• Advanced compounding always sets your compounding to 100%. You cannot have advanced compounding with 50% or any other compounding %
• If you manually set your compounding to 100% in compounding page then you won't get the extra interest rate. But, you have the freedom to change the compounding any time you want. If you want extra interest then use Days set option in the compounding page. Enter the number of days you want to set the compounding to 100% and you will be all set.
• Minimum number of lock in days required for advanced option is 30 business days and obviously maximum is 210 business days.

In TopFinancial, you will be automatically upgraded to the next level when your principal reached the minimum for that level. Assume that you invested 900$ in Level 1 with 100% compounding. Then in just couple of weeks your principal will reach 1000$ and you account will be upgraded to Level 2 automatically. Then, you will enjoy getting a fixed rate of 1.8% instead of variable 1.1 to 1.4% rate.

Payment Options - TopFinancial accepts only Liberty Reserve and Bank wire deposits now. This is really very limited payment options. I contacted admin regarding this and admin promised to add SolidTrustPay and Perfect Money very soon. I suggest admin to consider adding Strictpay option too. As far as I know, most hyip players are using LR, PM and SP payment options. So, it would be nice to see Strictpay included. I don't have any information on Bankwire deposits. You need to raise a ticket to admin to get the bank wire details in case if you are interested to use.

Security - TopFinancial is hosted on a dedicated server. Website is having 256 bit SSL encryption and Comodo verification logo with identity assurance upto $1,000,000. Regarding DDOS protection, some monitors are saying that website is ddos protected but some are saying that it is not protected. So, I contacted admin to get a clarification on this. Here is the reply from admin,

We are using our own unique anti-DDoS protection setup. So far it has never failed. In addition to that, we have an agreement with one of the leading anti-DDoS protection providers. Should we encounter a serious DDoS attack on our website, they will implement their protection at once.

If you ask me, I won't take this serious as long as website is having 100% uptime. So, I decided to consider TopFinancial as DDOS protected website. TopFinancial is using custom made script which is really very cool. But, I believe adding turing code in login and having a withdrawal password will give extra protection from hackers. That will make this script as a perfect hyip script.

Design/Content - Design is very simple and pleasing. Website is very readable with high usability. Though the script is custom made, navigations are very simple to understand even for a new bie investor. I like the calculator they have in the website. It gives detailed information about your daily interest rate and amount added to your principal. You can check it out in there website. If you want a simple calculator then you can try my hyip calculator here. I don't know why they have Registration link even after the login. May be programmer need to fix this.

According to website, TopFinancial is an online unit of Hassel Trading company which is incorporated on 1996 itself. TopFinancial domain is created on 16-Dec-1996 and it expires on 14-Dec-2012. The domain is last updated on 05-Apr-2009. So, they might have bought this domain from some other person on this year April. But, I am not sure. They do have an address of incorporation which you can check by placing your mouse over the comodo logo or in whois record. Incorporation documents are not available to the public. If you are interested in seeing the document then you can send an email to support@topfinancial.com. They might provide you the documents. As usual, they are claiming that the profit is generated from forex market. It is up to you guys to decide whether to believe this or not.

Support System - If you need support from admin then you may contact using Live chat, by Phone or via Support form in the website. You can also send an email to support@topfinancial.com because the support form is doing only that. Actually Live chat and Phone support are added very recently to the website. Admin doesn't seems to be active in any forums but you can chat with admin using live chat. Phone support is available between 9am to 5pm EST Monday through Friday. Check the contact us page for the phone number. Admin is replying to tickets in 4 to 5 hours which is good.

My Investment - I am not a big investor like most of you. My policy is to Invest Less and to play smart so that I can earn for long time. I invested 20 bucks with 30% compounding. If you see my investments in various programs (see program details page) then you can easily understand that I am a real investor and not a paid posted like most monitors/blogs. So, you will get real honest information from my reviews and news.

Points to Note:

• 3 Level referral commission - 6% for your direct referrals and 2% for second level and 1% for third level.
• Custom made script, SSL, DDOS protection, Comodo verification logo, sustainable plans
• 0.25$ minimum withdrawal
• Withdrawals are not automated and it may take upto 24 hours to receive but mostly in few hours
• STP and PM payment options will be added soon
• Admin recently launched a big advertisement campaign in reputed forums and monitors

Quality Factors:

I analyse all the programs in depth and rate them using various quality factors. I believe this is the honest way to rate any program. Once program is rated, I will keep watching the popularity of the program using various tools and the rating is updated accordingly. Keep an eye on program details page for latest rating for any program.

Quality Factor	Rating
Is it a sustainable investment plan? (High 6)	5.50
How is the design and usability of the site? (High 4)	4.00
Is the content of the site is original? (High 4)	4.00
Is the site launched in hurry with issues? (more points if NO - High 4)	4.00
Is it on a dedicated server? (High 7)	7.00
Does it have DDOS protection? (High 8)	6.50
How is the security of the program? (High 10)	10.00
How good is the script used by the program? (High 10)	8.50
How is the up-time of the program website? (High 5)	5.00
Does it accept more payment processors? (High 4)	2.00
Does the program has it's own forum? (High 2)	0.00
Does the program has proper support ticket system? (High 4)	3.25
How fast and how good the support team answers the ticket? (High 5)	5.00
How is the admin marketing the site? (High 5)	4.50
How about the website traffic ranking in alexa? (High 5)	3.25
The X Factor (Hidden) (High 6)	3.50
The Y Factor (Hidden) (High 5)	3.75
The Z Factor (Hidden) (High 5)	4.00
Is admin already a member of any forums and how long? (High 3)	0.00
Is admin/any support team member active in any forums? (High 2)	0.00
How is the opening response in forums? (High 6)	3.50
Any spam mails for this program? (more points if NO) (High 5)	5.00
Average rating	4.19

News Updates:

MindPowerSurf - Admin of MindPowerSurf program (reviewed here) Mircea started a hyip program called 14dailyinvest. I don't know why admin started another program when already maintaining mindpowersurf. This will result in too much of work and difficult to manage. MindPowerSurf is about to complete its second cycle and I afraid many investors will take this move as bad sign. In hyip it is very important to know what all other investors are thinking about a program. So, I decided to bring down the rating for MindPowerSurf from 3.96 to 3.61. Basically, I took this as a bad sign that's why you are seeing a big drop in the rating. Though everyone is payed, the payments are now delayed little bit. Admin said that she has some problem with ISP provider which is causing the payment delays. I am closely watching the progress of mindpowersurf.

IncoForex - IncoForex was under massive DDOS attack yesterday. Website was offline for sometime. Eventually, Draganora successfully mitigated the attack and website was back up to peed again. It looks like some members of incoforex are getting spam mails with advertisement link by the name of IncoForex. So far, I didn't get any spam like this. Admin of incoforex requested to not open those emails. See the update below from admin,

We never send any spam. If you receive advertising message from address on our site ignore it and never visit site is advertising. We hope on your understanding. All spammers are blocking immediately in our system.

These emails are sending by our unhonest competitors trying to disable our domain!

Thank you for understanding and cooperation. Please ignore all emails. We don't send even our company's news to the our customers e-mails.

Incoforex do have a good news for you. It looks like admin of IncoForex tested a new trading strategy for last seven months. It is going to be implemented in next 3 month which will improve the daily profit percentage. Anyway, I will be happy if daily percentage increases because currently the percentages are low. There is no change in the rating for this program.

ShiftMoney - This program already paid for the expired upgrades in Plan A. In few days, my upgrade on Plan B is going to get expired. Shiftmoney's this week promoton is for deposits on Liberty reserve payment processor. You will get 5% bonus if you deposit in LR. But, remember you have to request your bonus using claim bonus link in the website. Admin is sending updates daily to motivate the investors. Currently Shiftmoney has 750 members by the time of writing this news update. No change in the rating of Shiftmoney program.

BlitzInvestment - The advertisement campaign recently launched by this admin is working out well. After the recent advertisement campaign the alexa ranking for this program is very attractive. Now, I have more confidence that this program will last for another cycle atleast. As I always say, marketing is very important for the success of a program. That's why I am monitoring the popularity of a program using various tools to find out whether it is safe to invest or not. Anyway, I have to increase the rating of this program from 3.96 to 4.05.

All other programs are not in news today. You can check out the daily hot news in the news ticker which is shown just above the header of my blog. See the image below to understand where it is exactly shown,