Buying a new home in India can be an exhausting experience, both financially and emotionally. However, with the right guidance, one can overcome the hindrances involved. Here are six vital considerations for the first time home buyers that will help them prevent any feud or problems.
Decide your purpose – It is better to determine what you require from your property before purchasing it. Are you buying it to transform your rent money into mortgage payments, in order to avoid them go to waste? Or you are planning to purchase your dream home? Some people also invest in properties with a motive to give them on rent and make a sound income from the property every month. Zeroing down your objective will help you identify the property, area, and locality, as you will buy the property according to your need; whether you are looking for a condo, or a single-family house, or a multi-family building.
Get the feature list ready – Next is to make a checklist of the things you like and dislike. The property should fulfill your desires as much as possible. Your list must include basic desires such as easy connectivity to main roads, safe surroundings, and proper electric and water supply. Moving forth, you can also see if the smaller details match your taste like the bathroom layout and the kitchen décor.
Check for Home Loan – Before making any commitment, check how much loan are you eligible for. The bank or the lender should be willing to lend you the amount you require to purchase your dream property. However, it may happen that you think you can afford an INR one crore, but the bank considers you to be eligible for only seventy lakhs depending upon factors such as your salary, the number of other debts that you have taken, the stability of your job, etc.
Calculate Down Payment – Based on the loan you are eligible to receive from the bank, calculate how much money you can put in the down payment. Along with checking the property taxes in your nearby areas, have a look at the monthly installments you will have to pay. In addition, estimating the cost of maintenance and insurance is also advisable. Lastly, analyze the finishing cost of the property.
Finalize the property – Now comes the challenge of looking for the property. Identify the locality and properties that interest you and meet your requirements. You can consult your real estate agent for his opinion, check online listings, and ask your friends if they know of a property that fits your budget. Post finalizing the property; do remember to verify all the necessary legal documents, which will prevent you from a treachery. These documents must include the Title Deed, Commencement Certificate, building layout, Completion Certificate, and the Occupancy Certificate.
Send your proposal – Once you have inspected the home and you are completely satisfied with all the available amenities and infrastructure, you can decide on the amount you are prepared to shell out for that particular property. Consult your agent in this decision and ask him to make an offer to the seller. The seller should either agree with your offer or propose a counter-offer.
Once the cost is finalized, you should move forward to complete the paperwork and close the deal. The legal documentation involved in the purchase of a property is almost the same everywhere in the country, whether you buy a flat in Chennai or a villa in Bangalore.
A home is not just a place you live in, but it is about a place where you get peace, comfort, positive energy and it depicts your identity. Vastu means dwelling, which is a house for both humans and god. When we talk about Vastu Shastra for home it is based on different energies that is generated through atmosphere like cosmic energy, solar energy, lunar energy, thermal energy, wind energy, light energy etc.,
These energies need to be arranged properly to bring in prosperity, achievements and peace in life and at home. If your house is built with these principles, you will enjoy all the peace and happiness in your life.
Some of the easy Vastu Shastra for home tips that you can follow are
1.) Washing your Feet and Hands: Vastu Shastra in Hindi books say that it is all about attracting more and more positive energies. You can attract these energies by following simple things like washing your feet and hands once you come back home. Even more you can Light up the house when it is dark to get positive energy inside your house. Show incense sticks to the god and offer a small prayer every morning and in the evening to get rid of all evils.
2.) Keep the clutter away: Cleanliness is the key to positivity. Make sure you remove the clutter as much as possible. Discard the things that you think you haven’t utilized since past one year and will not use them again. Keep your home free of dust and keep everything neatly in your house. Clutter always ads to frustration and arguments among family members. A clean home always attracts more positivity.
3.) Keep house free from large number of sharp edges: Make sure you check the corners of your house carefully to ensure there are no open edges. Before you buy an apartment you should check if the home has sharp edges as they can attract negative energies. Also after you purchase a new home and get it furnished, make sure the furniture have rounded edges.
4.) Furnish your bedroom (enhance your relationship): Use soothing colours while you are doing the interiors of your bedroom. Soft furnishings and soothing colours for painting walls can enhance your relationships. You can keep some happy pictures of your relationship as it builds your relationship stronger. Make sure the bed is not placed right in front of the mirror and it attracts bad dreams.
5.) Use salt to get rid of negative energy: Salt is indeed a healer. You can use keep salt in bowls and place these bowls in corners of your home to eliminate negative energy.
6.) Wind Chimes: Use wind chimes as the bells that tinkle can break negative energy and help shower positive energy in the house.
7.) Swastik: – According to Indian Vastu Shastra using Swastik the holy symbol in your house can help gain wealth and prosperity. You can draw Swastik symbol and OM on the outer side of your home. So simply embed Swastik sign to bring prosperity into your like and home.
In some point of our life we all have done marketing at different time phase. Like in school we sell coupons to neighbors and family for school fete or for Red Cross seminars. And in college we help promote our friend new business in campus. All this is part of marketing or direct selling. MLM is no different, it is network marketing in which you make a chain of numbers of people under you. Let us understand this below:
As you can see in above diagram, you stay at top as leader and below build your own team. You motivate and expect your team as salespeople to sell products directly to consumers by means of relationship referrals and word of mouth marketing. In MLM marketing there is good amount of profit of margin which is possible only because of no retailer or distributor involvement. This entire bulk profit is shared among chain in predefined percentage. Below we have listed top 10 MLM companies in India.
1.) Amway – is one of the first company in India that projected ‘Direct Selling‘ concept in 90’s. In short, its the biggest and very popular name in the field of MLM . It was founded by Mr. Richard DeVos & Jay Van Andel in year 01/01/1959. It gave thousand of people side business as well as part time job opportunity. Some got it so well that they quit their permanent job and started earning 6 figure income in short span of time. Till date, more than 1.5 million ABO (Amway Business Owners) and prospects have joined Amway just in India.
2.) Tupperware – is second largest MLM concept company that projects direct selling of their products through members in India. Company was started by Mr. Earl Silas Tupper in 1948. Tupperware is just about leak proof ‘Plastic Containers’. And remarkably it got so famous that it is now listed under fortune 500 company. Their Head Office is in Gurgaon, India. Their main target are housewife and career women to accomplish selling task.
3.) Avon – Started selling beauty products for women through direct marketing. Within few years, company was considered as world most admire beauty case products for women, and listed in fortune 500 company as Direct Selling Company dedicated only to Women. It was founded by Ms Sheri McCoy in year 01/01/1886 from New York, U.S.A. Their main office is in Gurgaon, India.
4.) Modicare – is first Indian company to bring MLM concept in year 1996. It was founded by Mr. Samir Modi and in short time it became the biggest direct selling boom business opportunity for many Indian. They have large network today with somewhat 2.5 lakh members with widest range of products as compare to other network marketing companies. You can Join Modicare Here by entering Sponsor MCA No: 88539856.
5.) Oriflame – is another beauty product company which was founded in year 1967 in Sweden by two brothers Jonas af Jochnick and Robert af Jochnick. Its a leading cosmetic brand of the world believes in the core of direct selling. They are developing new beauty business center across India and inspiring programmes that help to develop their own business.
6.) Forever Living – is a privately owned multi-level marketing (MLM) company based in Arizona, which manufactures and sells aloe vera based drinks, nutritional supplements, bee-derived cosmetics and personal care products. The company was founded in 1978 by CEO Rex Maughan. In India, they came in early 2000’s and with their strong presence they captured the territory by Multi-Level marketing technique.
7.) Herballife – Its a global nutrition company that has helped people pursue a healthy & active life since 1980. Nutrition, weight-management and personal care are some of there exclusively products market by more than 2.3 million independent Associates in more than 90 countries including India. Herballife was founded by Mark Hughes, and in India Ajay Khanna head the company.
8.) Tiens – or Tianshi wasfounded in 1995 by Mr. Li Jinyuan in Tianjin China. In march, 1997 they began opearting into the international market. Tiens Group has set up branches in 110 countries Including India. There products comprising of health food, health care appliances, skincare applications and even household products.
9.) Elken – is the leading direct selling companies in Malaysia, which was establishment in 1995. Now, they have established a stronghold in nine other countries in the Asia Pacific region, namely Hong Kong, Taiwan, Vietnam, Cambodia, Philippines, India, Thailand, Indonesia, Brunei and Singapore. Their Products are related to Lingerie, Cosmetic, Skincare, Herbal, Cosmo Food and Personal Care.
10.) Altos – was started from Ludhiana city in India. Intially, they had only 7 healthcare products in year 2000 and now a true Indian MLM Direct Selling Company with range of around 150 Product. Their product categories includes Personal Care, Health Care, Hair Care, FMCG, Agriculture Aid, Aroma Natural Beauty, Home Care and skin treatment .
In India, MLM business revenues is more than 4500 Crores fiscal year 20015-2016, based on the IDSA (Indian Direct Selling Association) report. IDSA is an organization put together by some top MLM companies in India concerning to the core issues related towards MLM business and future consumers within the industry.
The word ‘Gurbani’ is a Sikh term which purely means the ‘Words of Guru’ inscripted as divine teachings in Shri Guru Granth Sahibji or Adi Granth (sacred textbook of Sikhism). Gurbani focus and enlightens Guru/Master blessing towards disciple in showing him right course in knowing GOD and His wonderful creation. The importance here is to unconditionally surrender oneself to Guru and follows His teachings lifelong. Gurbani reveals some harsh truth about our existence and purpose on this earth, which we all have ignored or not aware off. One who follows Guru and His teaching is one out of millions, and that one person knows exactly about His creation (rest we all have our own imagination & explanation).
Gurbani is explained in form of Shabad Kirtan, which is sung by Kirtani or Raagees. Some of the famous Kirtani are Bhai Harjinder Singh Ji, Bhai Maninder Singh Ji, Bhai Harbans Singh, Bhai Chamanjeet Singh, Bhai Manpreet Singh, Bhai Ravinder Singh, Bhai Balwinder Singh and Bhai Davinder Singh Sodhi, etc. All of them have sung beautiful Gurbani hymns. Below we have listed 35 most popular and greatest collection of Gurbani Shabad. You can listen and even download Gurbani Shabad Kirtan from below.
1.) Satnam Shri WaheGuru
This beautiful Gurbani is sung by Bollywood playback singer Sukhwinder Singh. Download Link Below.
Introduction: Aadhaar Card is primarily scheme implemented by central government agency UIDAI “Unique Identification Authority of India” which store key information and some important demographic data of every single citizen of our country. For example, it uses bio-metric identification system in which Individual figure prints are recorded and stored. This makes it special in comparison to other National Identification Cards. Each applicant (inhabitant) is given a 12-digit unique identity number called Aadhaar Number. And with this number government can easily identify and trace personal information, whether in case of Police investigation, to give LPG Subsidy or to execute any Bank scheme, like Jan Dhan Yojana. As a citizen the benefits of Aadhaar Card are:
You can use it as Sole Identification Proof for services like Passport, Banking Account, Ration card, mobile phone connections, and so on (simply carrying just one ID).
Not easy to create Fake ID with your unique Aadhar Number for use in Public or Private sector.
This card offers all sort of opportunity to gain services provided by the Central/State Government or by Private Sector.
Now, if you want to Download Aadhaar Card and is not sure how to do it, then no worries we will help you download it in simple and step by step instruction. But first, it’s also important to understand that anyone can smartly download your duplicate Aadhaar card if you are not alert. So here, always take care of your mobile or email address and be tentative. Don’t let it be open for long or share casually. Below we have listed 10 very easy steps to download your lost or duplicate Aadhaar Card.
Real-estate industry plays a vital role in any nation’s growth and economic development and this industry is thriving day by day. Immovable property has developed as a major area of business today involving specialized services such as investment and marketing in different areas like residential or commercial. Principally, building expertise with scientific methods and principles are usually applied to solve different construction problems such as erections, maintenance and research work. And building a home is not at all a facile and naive job, rather it requires a very systematic plan and strategy from builders who have some adequate knowledge regarding material, structure, environment, machinery and financial resources so that they can embrace their clients with some high-quality products.
The construction industry in Kerala is simply recommendable and it plays a pivotal role in Kerala’s economic growth and development. Kerala is crammed with many residential and commercial complexes which are developed by some of the highly skilled real estate builders in Kerala.
Below, we have 10 most popular real estate builders in Kerala.
1.) TBPL: This is one of the prodigious real estate developers in Kerala. With their vast experience and creativity, they have already created a unique niche in the construction industry. Er K A Padmakumar is the present Managing director of the company. Some of their prestigious ongoing projects are TBPL Vaigai, TBPL Osum, Candela etc. The company is staffed with experienced engineers, trained workmen, and committed administrative staff.
2.) Q developers: This is another pre-eminent real estate builders in Kerala. The company’s head office is situated at Kozhikode which is another favourite place for the builders and developers. The company was the brainchild of two young entrepreneurs who have an envisioned to create some quality and luxurious homes for their customers. Their ongoing projects are Q1 Signature villas at Palazhi and much more. Their sagacious and pedantic team members are always trying to deliver their customers with homes that they desire.
3.) PVS builders: The company is basically a division of KTC group and this is another prominent builder in Kerala. The company was founded in the year 1991 with an aim that they will provide a wide range of luxurious apartments and villas to the habitats of Kerala. By using latest technologies and trendiest tools, they are trying to build some luxurious projects both in residential and commercial sectors. Some of their esteemed ongoing projects are PVS platinum, PVS green valley, PVS Emerald etc.
4.) Cheloor builders: This is a public limited company which is passionately serving their customers more than 20 years. The company was founded by Shri Ravi Cheloor who himself is a well-known personality in the construction industry. Apart from developing residential apartments and commercial projects, they also developed movie houses, plantations, Film industry etc. Very soon, they will enter Tourism resorts and Medical tourism. Currently, the company is led by under the supervision of Dr Ramdas Cheloor.
5.) Hilife builders: Hilife is a very familiar name to the residents of Kerala. The company is jam-packed with some highly qualified professionals who are trying to maintain its high standards in quality construction, timely delivery and customer satisfaction. The present Managing Director of the company is Mr Cherian John who is into this professional for last 20 years. Their newly launched project is Hilife Capitol (Thrissur) which is engrossed with all modern amenities.
6.) ABAD builders: This is another eminent real estate builders in Kerala. From 1985 they are into this industry and are passionately building homes and apartments that strike the perfect balance of being environmentally friendly, cosmopolitan and comfortable. Their ongoing projects are Springfield, Knights bridge, Golden Oak and much more.
7.) Asset Homes: This is another reputed Kerala builder and now they are in the process of completing their 25 th projects. Their ongoing projects are HK hallmark super luxury apartments, Patio luxury apartments, Picasso Palette apartments etc. From last 9 years, they are in the business of development and construction of domicile complexes across Kerala.
8.) Heera Group: Though they are a very established builder in Goa, but now they are actively working in Kerala. Over the past few years, the company is unwaveringly serving their customers and is very much committed to delivering products of the highest quality so that customers get enthralled by seeing their products. Their ongoing projects are Heera Windfaire, Heera Breeze and much more.
9.) Melonwood Homes: Melonwood Homes is one of the promising builders in Kerala. Their erudite team members are highly knowledgeable and offer some of the unmatchable design and quality products to their customers. With twenty years of experience in the field of construction across the state, they have carved a niche for themselves in the sector. Their ongoing projects are Melonwood Green and Melonwood Rejoyz.
10.) Infra housing: Infra housing is one of the influential builders in Kerala. The company owns a client base of over 1000 customers and 15 completed projects. All of their homes are highly affordable by the customers and they welcome their customers with some of the best prices which their competitors perhaps are unable to do. Their ongoing projects are Infra Pinnacle, Infra prosper, Infra Futura etc.
Apart from all of the above-mentioned builders, there are many builders in Kerala who are vehemently serving their customers.
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