Monday, December 28, 2009
Slang Hindi phrases used by Dev and QA
Saturday, December 26, 2009
Borivali Khadi Fest 2009-10
Friday, December 25, 2009
Merry X'Mas
Saturday, November 21, 2009
Star Majha's Blog Majha Results
Top three
अनिकेत समुद्र http://manatale.wordpress.com
नीरजा पटवर्धन http://aatalyaasahitmaanoos.blogspot.com
दिपक शिंदे http://bhunga.blogspot.com
Consolation blogs
हरिप्रसाद भालेराव http://www.chhota-don.blogspot.com
देवदत्त गाणार http://maajhianudini.blogspot.com
मेधा सकपाळ http://medhasakpal.wordpress.com
सलील चौधरी http://www.netbhet.com
प्रमोद देव http://purvaanubhava.blogspot.com
राज कुमार जैन http://rajkiranjain.blogspot.com
मिनानाथ धसके http://minanath.blogspot.com
विजयसिंह होलाम http://policenama.blogspot.com
दिपक कुलकर्णी http://aschkaahitri.blogspot.com
आनंद घारे http://anandghan.blogspot.com
Congrax to all the winners and thanks to Star Majha for such events which promote Marathi.
I have moved all my marathi related posts to a new dedicated to Marathi blog here.
Please feel free to visit this new blog of mine and keep your suggestions and comments coming.
Wednesday, November 11, 2009
Rodeo & Me
Its me and my Rodeo....
I only have a Learning driving liscence. In the 30 day driving class I have attanded only 11 sessions and friday I am going to get Liscence...
Here it is....
Today I left for office early in the morning at 9:10 sharp. It was raining heavily...My mobile did not work...I put on my new Jacket which I bought on Sunday and picked my Rodeo...(Route :- Sion Eastern Expressway to Vikhroli and then Powai - my office).
I was bit scared first and was driving very slow in the rain..., as these are my Baby's Day Out with my Rodeo. I reached Godrej Compound signal @ ghatkopar...then..there were 4 bikers standing next to me on the signal...Guess who goes first....when the signal is green...0-40 in 3-4 seconds...I saw the reading on the digital meter 55 kmph...at 55 KmPH in that rain...each droplet is like bullets slapping you....and wind speed (i dont know how to calculate it..) believe me its like somebody is pushing you really hard backwards....at somepoint you feel its all stopped and see the meter @56 kmph..
Now, you all wonder why take such risk in rainly season (I know u all care for me)and that too when it was pouring down... Come on...
It is the eastern express highway...10 lane road...I was on that lone signal...I couldn't see a bee on the road..(obviously bees dont come out in rainy season)...
All you people get yourself a vehicle...its fun....
I reached office and I am totally wet believe me TOTALLY..500 rs. new Jacket is worthless...
--ur Tilak
Tuesday, October 20, 2009
Thankyou Saab
Friday, March 6, 2009
Real Estate World
# Brokers : The most dirtiest fish in the pond. I couldnt even find a single genuine estate agent in two years. Now-a-days every bunty bubbly wants to become an estate agent. They know how to sell a property of 5lacs to 10lacs. They will show you all possible gud things about the property, half of the features of the property they are showing are not even known by the property owner.... Yeah a bluff!! They wont hide the demerits of any property but they will present the merits in such a manner that u will completely forget the down points. These guys now-a-days own a license of estate agentship.
>> check the genuinness of that person.
>> findout the marketvalue of that property. if you find it lower than what the broker has told u then All the best! u have found a greedy broker. Ideally, the brokers increase the value from 5% to 10%.
>> ask him whether he knows everything about the property registration tasks and formalities to complete.. @ the Registrar office.
>> For paper work, never ever go to an advocate where the property agent suggests u. Instead find some gud advocate, ask ur frnz, relatives, etc.
>> The market value of any property can be found out from any advocate. There are many clauses, and the value depends on the area, location, the building premise, whether the apartment has a lift, a playground.
>> make things clear about the brokerage charges (%) before he opens his cards in front of u.
# Banks and Finance Companies :
>> look for a good agent who can complete the bank formalities for u.
>> In case of public sector banks like SBI and Maha bank, you will get pissed off by the regular visits and insufficient details provided by the loan managers and Service managers. Everytime you visit the bank with ur file you will be asked to bring some new document.
>> In private sector banks, the loan related work is given to the agents who work on commission basis + %age from the customer. The agent is the one who does all the dirty work for u and all settlement related advices if any of ur documents are pending/ missing.
>> Rate Of Interest(ROI) depends on the PLR of each bank. There are various interest types as well.
$$ Fixed :- The ROI will remain constant throughout your loan period. It is slightly maybe 2% to 3% higher than current ROI according to the PLR
$$ Flexi-Fixed :- The ROI will be fixed for a specific period of time and then will change after intervals. Say for ex : Fixed for 3 yrs and then again change according to the PLR and fix for next 3yrs and so on..
$$ Floating/Flexible : The ROI will change according the PLR.
# Documents normally required for a house loan :
>>Personal
$$ Last 3 months salary slips.
$$ Income Tax Form-16 for last 2/3 years.
$$ Last 6 months bank account statement (primarily the one with ur salary account)
$$ PAN No. (Permanent Account Number)
$$ Company Identification Number (In case of pvt sector companies)
$$ Appointment Letter
$$ Employment Certificate on your company letter head.
$$ Residential Address Proof :- Electricity bill, telephone bill, bank pass book zerox, etc
$$ if in case u stay in a rented house most of the banks provide an affidavit which you have to get stamped from any bank which provides franking facility and then get it notarized from any advocate.
>> Related to property
$$ Sale Agreement duly registered from Registrar Office.
$$ If its a re-sale property, then prevailing agreements right from the builder to the current owner of the property. (Chain Agreements)
$$ If the society/apartment is registered then Society NOC certificate.
$$ Tax -Receipts and Maintenance receipts.
$$ Property Card which can be occupied from the Society.
$$ Occupancy certificate of the property, this can be occupied from the Society. Its the duty of the construction company to obtain the occupancy certificate from the Municipal office.
$$ Share certificates (for all owners of that property till date.) Apart from this, there are few other documents which can prove your trustworthiness and eligibility to the bank
$$ Qualification certificate : If you are post graduate or Ph.D. then you can even bargain with the loan manager on the basis of your degree.
$$ Tangible Assets like Gold, Vehicles, Real estate, etc.
$$ Intangible Assets like Insurance policies, Mutual funds or any other investments.
# Every bank charges processing fee for your loan application. It depends on slab. I mean for
every 10lacs the processing fee vary.
$$ Upto 10 lacs => Rs.5060/=
$$ Upto 20 lacs => Rs.6742/= and so on..
# Advocates/Lawyers :
>> Find a good lawyer who can complete all the registration related work for you.
>> Before buying any property you can even go to your lawyer and ask him to evaluate the cost of the property.
>> Builtup Area : Total area before the construction is done. It includes the total area which the flat has occupied.
>> Super Builtup Area : Builtup Area + corridor and lobby
>> Carpet Area : Actual area available for use once the flat is ready for possession.
Will keep on updating this post as and when things progresses... and as i find more information.. :)