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East or West all directions are Best

10/1/2020 10:05:00 AM

The Backpack seems often light when we are accompanied by google map on long travels, doesn’t matter, where we go. Put your destination in the search box and the beautiful voice comes from your mobile, which leads you to a destination while you are having less information about direction. You enjoy your favorite music with a high-quality subwoofer during decoding the body language of a travel planner, a huge quantity of enthusiasm is found prowling around the man of the trip. No worries about a travel destination and the traveling wave is in the right flow. Feeling nostalgic, while traveling with google map, direction theory was so easy and so simple as now. In initial academic years, among other basic things, we learned about directions and found nothing which could be confused. In short, the Sun rises in the east and sets in the west, the north will be on your left side and the south will be on your right while facing sunrise. As far as, I remember, auspicious and inauspicious words were never a part of the direction chapter at all. Although google map and GPS digital direction guide arrival make our travel smooth and enthusiastic, but, when direction accompanied by the dwelling, it becomes even terrible. Clarity seems to fade. Will this direction be auspicious? Some are being dragged to superstition having much confusion over dream home facing. Hardcore money is going to be put on it. There are millions of people, who are prowling around the confusion over direction while laying foundation for a dream home. Among so many things, I am unable to understand why people are so much confused over the direction. Their deep belief in direction magic effects dragged them to superstition to some extent. People believe, by constructing a study room in a particular direction, their kid's study will be impacted in a positive manner, but I have a doubt into it. Many success stories have been written under the sky. Dr. Abdul Kalam belonged to a poor family, he had not a study room in a particular direction as I have read about him. Apart from Dr. Abdul Kalam, there are so many brilliant people who had broken this myth while studying under the sky and streetlight. However, it is extremely important to place each room in perfect direction by best use of natural resources. Here, google map and GPS will not work with solidarity but your R&D can give you a confident ray of hope.. Climatic conditions and optimum use of natural resources recommend you a direction for a dream home. Land with huge vegetation, thick walls and high ceiling can be a good choice for hot climate region. North facing home works like a catalyst into it. It will be best to consider sunlight preference for each room before finalizing the direction for a particular room. Unlike the hottest region, South Facing or East Facing will be a good choice for cold climatic regions. Moreover, both positions receive a huge amount of natural light which means, climate condition recommends you a direction. We cannot recommend a particular direction for several climatic conditions. Sunlight and air like any other natural resource should be firmly considered as stakeholders; optimum utilization of each natural resource will escape your home to be a bill factory. A natural resource like sunlight not only effects the inner environment of home, bill amount figures but it also affects your mental health too. Here, we will try to find out how sunlight and darkness affect our mental health. Sunlight and darkness help in the release of good hormones in our brain when we are exposed in certain amount of time. When we get our cells exposed to sunlight then it is thought to increase the release of a good hormone called serotonin in brain. Serotonin is associated with boosting mood and helping a person feel calm and focused. At night, darkness trigger the brain to make another hormone called melatonin. This hormone is responsible for helping you to get sound sleep. Overthinking is not only restricted to home construction but also in home décor. As India believes in some philosophies on home dwelling and home décor, other countries also do the same. Japan follows wabi sabi and china believes in feng shui. Behind all philosophies could have the same intentions, but the elements revolve around the philosophy are different. Vastu shastra revolve around five elements water, air, sky, fire and space and feng shui includes wood, fire, earth, metal and water. Which thing will be where? what kind of things should be brought to bring happiness? I think let the home décor follows your heart. It is a place where you find peace after a long day hustle bustle. The space, where you embrace your good or bad, it symbolizes you not other persona. Akshardham Temple Complex has 10 massive and beautiful gates. The layout of the gates was planned according to the ten principal directions described in Indian culture. The gates, entryways reflect the Vedic sentiment of inviting goodness from everywhere to all visitors. I found, spirituality is embracing all directions, sunshine and blowing wind like nature’s pop-ups reveal east or west all directions are “The Best”. Chandigarh

Sophia Emotions, Technology and Japan virtual tour over less time frame

9/10/2020 6:31:00 PM

“Two minutes noodles” can understand better, how time is precious. As human is being busy, things have been transformed accordingly. Since sunrise to moon arrival, we try to make things easy so that time could be contained. We are not alone in life long drive, but we help each other to reach our destination. It is observed, the human being is curious since his birth and wants to know each and everything that is happening around. To save time, the news channels have started news hundred countdown, where you at least could grab entire news under “ho jao intelligent minto mai” idea. Subsequently, it also helps to sharp your rhyming couplet skill. “ho Jao intelligent minto mai” is one of among inspired rhyming couplet skill. Unlike news headlines, we got to know about our kid's adventures with explanation by our neighbors, as detail news after headlines, I agree with neighbors, some things should be presented in a terrible sprinkling manner. Neighbors are very good source of surveillance for kids as well as your entire family by their right “pair of binoculars”, their services are lifetime and absolute free. Even, without giving instructions, they look forward to provide their services. Apart from neighbors, whatsapp status, facebook and instagram post will let you know about their adventures. And in extreme cases hidden cameras will unfold their apocryphal tales made by them. There was a time where wives were spying on their beloved spouse by making frequent calls. Eavesdropping was also a trustworthy tool for them. It is sheer truth, Problems are the only source of Invention. Now vidio call helps your "Better Half" to be stressed out. But technology doing its work in an unbiased manner, and I hope a virtual reality and augmented reality will do justice equally. It is a very common thing in every element of technology, you can catch up on your target by sitting on well padded couch. In the previous year, some countries banned vedio calls over security reasons, however, later, govt had to permit VoIP apps with guidelines to be used. As a “ho jao intelligent minto mai” volunteer, instead of nicotine beverages, I believe to stir “Vita” powder in whole milk so that entire day I can do intelligent activities. Calling, pop out messages for clients, vedio calls and conferencing are among which we have to do frequently. And in Pandemic lockdown these digital tools proved that importance. Every person is always connected with their dreams emotionally. Where Sites visits for “ Dream Home” was done physically, it is done virtually now, It shows business intelligence. Although the final site visit has to be done by own over emotional perspective. Personally, I believe, all tasks should not be done digitally, for instance, home warming party is done by “Artificial Intelligence”. While written artificial intelligence, I remembered “Sophia” a social humanoid robot developed by Hong Kong-based company Hanson Robotics. Sophia was first turned on on February 14, 2016, and made her first public appearance at the South by Southwest Festival in mid-March 2016 in Austin, Texas, United States. Sophia is powered to display more than 50 facial expressions. Joy, grief, curiosity, confusion, contemplation, sorrow, frustration, among other feelings. The kind humanoid robot visited India for the first time in December 2017. She graced the stage at IIT- Bombay for about 20 minutes where it spoke about the growing intolerance in the world and advised the human race to be "kind" to fellow creatures. It is highly appreciable “Humanoid Robot” has emotions and her advise let me force to think we should express our emotions too with huge intelligence. As we Indians often give a sign of emotions once in a while. India is a culture enriched country. As a sign of respect, we reach down to touch the elder’s feet. “Namaste” is also the Indian form of greeting, to greet someone with a namaste, bring your hands together with palms touching in front of your chest gracefully. On the festival side, we ignite ghee lamp on “DIWALI” with gratitude and try to distribute self-made sweets instead of well-packed chocolates. However, to save our time, we cook “Two-minute noodles”, boiled or scrambled eggs, but in festivals, we believe to cook food by spending many hours to display mouth-watering traditional colorful culinary. In the technology era we love to click photos before eat and promptly post in various digital platforms to lure likes. And with in seconds inundated thumps up are on posted clicks. In some cases we call many to like post and sometimes we show anger to not give thumps up into post, vedio calls are often made too. During my “Virtual Japan Tour”, I preferred “Green Tea” not as a substitute for “Vita milk”. But, in order to feel a foreign tour in “Actual”. Green tea is undoubtedly the most popular tea in Japan. In my close inspection, I found, Japanese are quite shy and conservative as sort of Indians. Japanese greet each other by bowing. A deeper and longer bow indicates respect and while handshake, they practice to avoid eye contact as it is considered rude. It is good to exchange gifts with each other with both hands showing respect. One should be refuse a gift up to three times before finally accepting. On tour, meanwhile, some “Pop-Ups” made me laugh. I had to make sure, I tried to cover my mouth while laughing, as In Japan, covering mouth while laughing means not showing your exact reactions. Moreover, it helps to keep your emotions subtle and shy. This is also considered graceful for ladies in Japan. I will have to make sure, during my next virtual tour, I need to sit on an acupressure active chair instead of a well padded couch for not forgetting, I am not to “Actual” but to “Virtual tour". Chandigarh

Fitness fine kick over Dream home amenities

8/31/2020 6:01:00 PM

Since last many year’s, bizarre performances are often seen in parks, mostly, it is a picturesque view of morning and evening. Fiercely, people invent their own moves while seeing other one doing something with their nostrils or pumping heart by breathing out on colorful yoga mats. Dance without music consists of basic self made steps and giggling without any reason sounds scary sometimes, appears adventure channel is live on real television screen. Outside a park, bottle gourd & bitter gourd juices are sold over maverick trick. Fitness obsession is going all the way to physical and mental health. People are very aware of their mind and body. Everything is being seen under a fitness perspective, although bad visual feed impacts are being ignored sometimes irrespective of knowing visuals impact our mind. Electronic media is keen to broadcast fitness programs by giving “Miraculous Headlines” as exercises will be performed by experts. Often, It is likely outcome, many can harm each other during emulating experts while watching fitness programs, if we consider room measurements. Everyone needs a fine morning kick to make their day productive by doing exercise and watching horoscope. On the other hand, YouTube, Instagram, Facebook Twitter, etc are inundated with fitness goals. Video sharing sites introduce you to many people who would sometimes inculcate authenticity about video outcomes. Multiple asana photos are capable to tell you the whole story by photos sharing sites, simultaneously Ketogenic diet and Vegan diet are followed by many under media sources guidance and ready to switch another one to get the best results. It seems, way of presentation of everything has changed and things will absolutely be grilled until implementation. Rituals of welcoming guests have been changed over a period of time, There was a time when we were offered tea, coffee, or cold drink. Now, the beverages menu has been changed, green tea is included. If we chose tea, then the question arises, which milk will be added, almond milk, or holy cow milk. By choosing cow milk, we are asked to choose among toned milk, whole milk or skimmed. At once I got embarrassed when I had been given choice between sugar or stevia??? Then I realized, people are in a health marathon, and I still believe in baby steps. Without wasting any time, we start rubbing nails while talking to each other as it claims to reduce grey hair. These days, In our talk, health issues and their remedies are discussed and while offering lunch or dinner, we are introduced to recipes accompanying health benefits as things should be grilled and drilled so that conviction will be maintained while consuming. As the food is considered for maintaining health, other activities play a vital role too. Cycle, which had been apart in past, reunion, is seen these days. However, having a cycle for many are their helplessness. Cycling Track is being constructed along with roads. Now, Cycle seems, seen as a status symbol behind multiple health stories. People used to take multiple memberships of Yoga, jogging, swimming and gym activities among others which energize us for the whole day. As we got to know, it has become our part of life so while searching dream home, we give more importance to home amenities instead of other things. There was a time, when only home location matters a lot while making home- buying decisions, although it matters too now, over a fitness long-lasting wave, home amenities grab the attention of the home buyer to some extent. It could be quite good to have every facility at our doorstep instead scattered. Chandigarh

Adventure of Tenants Around Planet

8/20/2020 4:47:00 PM

Animatedly grin while unlocking a new door, a new normal phase is about to begin, seems happiness is standing outside specially to welcome just next to the main door as despondency has been thrown before the ride to the arrived destination, history is witness, often, fresher’s have always been special at that moment. The “Warrior” named tenant has rented house cleaned, inculcating, tranquility will be maintained. Unfortunately, some dreams never to be a reality, agree, some obstacles can be less if landowner residing somewhere, but in the month-end these uninvited guest has to appear in your door accompanying do’s and don’t, Meanwhile, other tenants are trying to please uninvited guest to persuade their demands by throwing surprises, But they don’t know these people are not ready to give even concession on rent during corona lockdown period, rather they don’t want to know about “wave-off”, inhumanity, but this is the ground reality about landowners, agree exception could be somewhere but not all lucky to have them. Landlord inhumanity stories have been broadcasting on TV screens since covid-19 lockdown, it is the consequence of supposing rental property is their own. Relationships, that had been flourished before corona, seems were breaking in a pandemic. Bhabhi ji and bhaiya ji are prevailing among others. Culinary exchange ritual, prevailed as a love token, suddenly had been stopped, looking at prospective rental issues nor for corona spread, reflects the split personality of a human being. Tenant aka “warrior” wondered about a situation, irrespective of huge housing hunt and R&D, they invented this suitable one and now, corona became successful to make things worse by breaking their relationship with their matched ones. somewhere, was being seen this situation over astrology perspective. Both Paying guests and tenant seem riders of the same destination, on close inspection we found paying guests are tolerant more than a tenant. They have to share the same space with two and somewhere three. Paying guests have to share a kitchen and even a washroom. The bathing pioneer is seen as a warrior. Since their hunt is started by morning and continue till night napping as they fail to get sound sleep due to roommates whispering. Here, smartphones became a weapon to create clutter around the accommodation. Their domestic fights pop out as Line of Control issues and suddenly that issues become successful to bloom political parties in the same constituency. This means you cannot become contemporary “Arjun”, the divine soul popular for his focus. Calling it hell on earth will not go wrong and who they experienced it, will agree with solidarity. Unlike housing hunt and R&D they comfortable to shift frequently, and end up with their bad stars. Spending life as a tenant is going to be adventures, you have to meet with different issues on a daily basis and sudden rent hike is work like catalyst into it. While coming home from professional chores aunty ji always grabbed, irrespective of tread on toes, “Many are prowling around, and asked me about rent, so much demand”. Remaining talk always on phone, “use water under urgency”. It is the place where maintenance is never ended, deep down, retorting is prohibited on apocryphal tales. Day begins with grabbing wire for drying cloth under the sun to car parking tug, competitions are flourished since sunrise. In extreme cases, the alarm is put down before buzz. If you believe in revital benefits, you should definitely take it, to be active in the whole day. Tolerance, Cold War, and hypocrisy are prevalent tools to be a long-lasting tenant. Living being tenant, life seems untold. In fact, life cannot be dragged, rather to live in our terms. By the September month, festivals are about to begin and enthusiasm is on the peak. In most of the cases, Festivals are inexpressive for tenants. Often, “Apna Ghar” is remembered in festival vibes. Having boundaries, preparations are often rather shallow, and incomplete emotions ruin the celebration to some extent. The Audience is often enjoyed the adventures of stars but fiercely leaps to the next channel on television while feeling irritated. Many banks and National Housing Banks are offering lucrative interest rates towards housing loans and Govt. “Housing For All” component would make the dream home true. Chandigarh

Filter Selfie Camera is Inspirational too, but behind the Camera intention matters a lot

8/6/2020 4:31:00 PM

Beyond self-centered, hypocrisy is blooming around creation. Residing in “Matlabpur” since many years, we have been dragged far away willingly from where we belong to. We firmly recommend hill stations but residing in a plain crowded city is our choice. Social and electronic media scream plastic ban, pollution control, sapling, water conservation, selfies along with aloevera & flaunts food wastage. Suddenly, while stepping down in real world, absence of plastic, thrown us far away from our comfort zone. we have not been offended by multiple number plates over pollution. Junk food craving forget aloevera benefits, wedding and birthday parties are ruling over food wastage, so much confusion. Breathing exercises and Higher Air quality Index are behaving like rivals. Simultaneously high demand of masks and yoga mats market is on a high swing. Even masks are available with color contrast, promptly finding something creative even in “worst” is in the DNA of human being. India was the 5 most polluted country in 2019, with Ghaziabad in the National Capital Region ranked as the most polluted city in the world, according to a global compilation of PM 2.5 particulate pollution data by IQ Air, a company that primarily works on air filtration. Since the last decades, numerous environmental issues have been prowling around the globe. Tv flickering screen often making headlines about carbon dioxide emission and glaciers melting among prevailing domestic and political stories. And somewhere, these technical terms fail to give them good TRP. Meanwhile, many campaigns trend on social media platforms with hash tag. It is the question of the hour, so many initiatives are being carried out through electronic & social media, but nature devastating health tells us a different story, time to remove malware named “hypocrisy”. Fictitious Superheroes practice to hide themselves along with good deed and subsequently, they are inspirational too with their character. It is indeed inspirational to contribute after the environment with a filter selfie camera, but behind the camera, intentions matters a lot. However, it could be result oriented. There is a blame game since creation. Most of an environmental disaster is the consequence of human self-centered activities, but whenever nature fiercely reacts and we set to be surprised. In most of the cases desire dominates need, when we need only source of transport but our desire of many. It doesn’t mean irrespective of sound financial potential, we should stick to public transport. Moreover fictitious Aladdin magical floral carpet will also not be worked. There is a need to make equilibrium between desire and need in wake of the environment. Time alarms to take environmental issues on surveillance, not for just name sake. Parlors conclude lifestyle, but oxygen Parlor sounds worst, seems artificial and mechanical live with a plastic body, to be called nightmare, would not wrong. Some things should be manufactured under nature monopoly. Heavy downpour, lowest rainfall or never rained are on one side and its effects on another. Since many relief aid and packages are given to affected areas but why nature is being biased towards its own creation. As nature sources always tend to being unbiased. Urbanization, industrialization and globalization revolution creates smart cities, generating jobs, infrastructure, improves export. Country enjoys its upward graph. Caricature should never be on evolution. Contrary, to focus on some environment friendly practices. Include residential green building, concludes designing and constructing homes that use energy, water and materials efficiently. It claims to reduced impact on physical environment and promotes a healthy indoor environment. To be called mumbaikars, delhians and chandigarhians promote feel good factor. Who resides here, and no doubt, these cities demonstrate enough splendid monuments, social amenities. Many people became opulent by its location potential. Chandigarh is seen as a job hub, IT city, medi city and Bio Tecchnology park. These are emerging as opportunities for country talent. By developing surrounding states we can control the migration ratio. Himachalians and Uttaranchalkars many states will be emerging as existing with enough location potential. That will grab the attention of many as do Mumbai, Delhi & Chandigarh among others. Where, we were banging our head over climate issues. Corona was set to spread. Now, the entire globe seems warrior. However, some have left things on supreme power by not carrying corona protection gadgets. Irrespective of the corona disaster, astonishingly, both believers look at each other through an intellectual lens. Meanwhile, social distancing leads goosebumps among window seat lovers in public transport, and hope of live is being seen as a life support machine in between “Tug of vaccine”. Corporate is opened with guidelines, Shopping has been served under sanitization downpour. Seems, perfect place if we feel unhygienic during a pandemic. Other essential activities were being carried on since lockdown. News are spread, cinema’s, gym and other activities are about to open consisting some guidelines with coming to unlock. Seeing the pandemic catastrophe with crystal clear lenses, some have themselves ready with a to- do list. Unlock should be seen as new normal, should not be seen as without corona till at least vaccine arrival. Chandigarh

Technology Avatar Electronic and Digital Revolution as "Chirag"

7/24/2020 5:57:00 PM

Over a time, cathode ray tube turned to color LED, heavy computers become light and mobile has replaced heavy wired land lines, not surprisingly, more magical things are about to come. Technology has changed our approach. In technology Era, it has been easy to be on screen, Android screen Stars are twinkling by throwing their talent at social media platforms, It is a creative and economical way to put talent in the digital world. Earlier, many had to give auditions, screen tests and to do formalities to be an entertainer, but now it has become easier, with technology up gradation. Your approach for followers became sort of smart. You Tube, Instagram, Twitter and Facebook are very few instances of social media, which are trending among Millennials, Generation Z and less in Generation X. If you don't want to be exhausted while finding these websites in search engines, just install a desired app, sign it up and you reach about target audiences will be guaranteed, if you have enough talent ingredient. It has been seen that, talent is emanating on emerging digital platforms, whether dancer, singer, poet, bloggers, web developer, graphic-designer or other talent demonstrator, you can be a benchmark in your field by putting your best in related platforms. These platforms have been emerging as a handsome income source and informative too, since few years, with increasing followers and views your income could be increased. Nothing would be, which you could not search for it, yes, authenticity could be an issue which can make search results less trust worthy, but your intellectual can help you to find and pick relevant search results. Every advantage often has demerit and it depends on us how and why we use them. With the technology rush, it is seen, our youth is prowling around it badly, and calling them technology addict will not be wrong. Among internet users, some netizens are just putting themselves in that platforms worthlessly. They often use to imitate like actors, it is good, if you are evolving as an artist, but the question arises, do you "ALL" want to be an actor or just end up your precious day as spoiled and exhausted, where, this moment their focus should be on academics or on their career goals. It will be healthy to boost your happiness hormones or to be entertained for a while, but practiced in the whole day could make your life curse, so everyone should have to take the responsibility for themselves that how much they should be indulged in digital platforms and of course their Parents too should be on high alert while giving them digital gadgets. Technology has a profound impact globally, almost every sector activity drives directly or indirectly digitally and this is the need of the hour for being alive in the market. Globally, Among countries, there is competition to be on top or even pioneer in every field whether it is electronics, defense or pharma, to be the inventor of Covid-19 vaccines is the current instance of being pioneers, this is all happening around the existence of science and technology. In India, many startups are successful by holding hands with technology. For a few years, the digital wave has been seen around us. School, colleges, hospitals, banks, industries etc. are all indulging in the digital world over the period of time. Just one click and your food will be at your door, cab will be ready to bring you and your visual tour of your dream home will be on your computer screen or on your mobile phone by just one single click, subsequently if we look down on augmented reality &virtual reality, you should not pinching off yourself to realize, this is happening in reality, it's experience has been given by enormous media houses, movies and even in android apps. It is such a magical experience, we see and feel while watching that stuff, means of adding digital elements in the real world, we can see a different world of same scene, even you can feel the roller coaster experience while sitting on your couch, feeling real environment in a virtual world by just using the technology is just a victory in Pandemic lockdown. Except a few, every sector activities have been continued during lockdown through Technology existence, but in between, technology wave, we should not forget if technology is Chirag, the human being is Aladdin, who are the prevailing character among Millennials. Things that seemed to be science fiction earlier, it has become a reality now. Since, the human being is the only fulcrum of the digital world, acknowledging technology as the latest version of "Alladin ka Chirag" will not be wrong. According to Latest Statistics there will be 907 million internet users in India until 2023, and this data indicates enough possibilities for opportunity seekers. It seems the best time for India's talent to becoming Tech wizard, I hope, efforts will continue forever by founding new invention and discovery which has been seen as a catalyst for economic growth. Chandigarh

Pandemic Covid-19 Lockdown and buying RERA Projects

7/13/2020 3:23:00 PM

It seems Pandemic Covid-19 will not stop until its vaccine found and now we have left with prevention only which can help us to survive pandemic.It is creating catastrophe globally.Covid-19 and Lockdown have changed people's prospective towards their life.Pandemic Covid-19 has succeeded to stressed out on social Infrastructure,Among other social infrastructure,Huge health infrastructure should also be seen as important,as it has a huge impact on our economic growth.Covid-19 proves practically how citizen's good health bridging the gap between Country's economy and its growth. During the pandemic,people's different faces have been seen, tenants and paying guests were being harassed by landlords, Reports said.Corona spread was becoming dangerous and misconceptions over pandemic and other rental issues were forcing landlords but to evacuate rented accommodation. Where some were doing inhumanity meanwhile, many volunteers came to help others to provide covid -19 safety gadgets and many were came to feed hungry.Animals too were not deprived from humanity. The days of lock down seem worse when the house is not even yours.Pandemic Covid-19 Lockdown forced us to think about our own home,where,we can take care of our self and our loved ones by giving them hygienic place called home and let our family corona free. Owning Home is everyone dream and Covid-19 spread has been succeeded to convert dream into the need of the hour.In india ,residential demand is on boom and NRIs real estate demand kept pace in their home town,Reports said. Home is a peaceful and secured place, where we feel comfortable and enthusiastic.We can do what we want to do.In your own home, you are the only who can make and break the rule, nobody can instruct you to do this and that,However, EMIs are being paid, if you take home loan,But it will not disturb your mental peace because EMIs are giving you ownership and once EMI finishes it will become your tangible asset.Means you can enjoy your asset since buying your dream home.Fortunately, RERA and PMAY are two among other are working like demand booster to encourage residential demand, and low interest home loan is working like catalyst into it. RERA empowers buyer.Earlier,buyer's property buying decision was hit in the absence of RERA but now seeing in upward trend in residential property. It seems RERA has been successful to bring confidence in residential market even in pandemic corona virus lockdown. What is RERA? RERA stands for Real Estate Regulatory Authority.It aims protecting the interest of property buyer in real estate sector and to establish an arbitrating mechanism for speedy dispute redressal. Project delivery delays, property pricing, quality of construction, title and other changes are the issues which RERA regulates and addresses the issues in an efficient and transparent manner. RERA empowers both Builder or Developer and Buyer, as most of the things were favoring Builder. RERA brought many norms that will protect buyers from unfair builders malpractices. Takeaways of RERA Standardized Carpet Area Earlier the carpet area on which the property price calculated was not defined.Every builder/developer had their own method of calculation of the carpet area.Means for the same property the builder would calculate the carpet area of 1400 sq ft and the other would calculate the carpet area of 1500 sqft ,Hence there was no parity in carpet area in the absence of RERA.However,this has now been defined by the RERA Act,and the same formula would be applied by all builders/developers for the calculation of the carpet area. Subsequently, it will impact property prices as price calculates on the basis of the property carpet area.Builders compute the price of the property as follows: Cost of the property=Carpet Area x Rate per sq ft Rate of Interest on default Earlier,In case of default on payment by the buyer ,the interest to be paid by the builder to builder was higher on the contrary if builder delays the possession of property ,the interest to be paid by the builder to the buyer was less.Means there was no parity in the interest to be paid for both parties.RERA defines the interest to be paid by both parties will be the same for both parties.RERA has been successful to bridge the gap between two. Reduces the Risk of Builder Insolvency/Bankruptcy Usually A builder has many projects to be built which have to build simultaneously. Earlier,Builders were free to divert the fund raised from Project A to fund the construction of project B. Now,This would not be possible as RERA defines norms which help to reduce the risk of Builder Insolvency .According to RERA,the builder is liable to deposit 70% of the amount realized in for the project in a separate bank account.Builder can withdraw from such account only on the basis of completion of project,which will be certified by a civil engineer,architect and a chartered accountant in practice. Compensation over False Promises RERA empowers buyers, If there is mismatch over builder commitments and actual property, the buyer has an option to withdraw from the property, RERA ,buyer is entitled to full refund of the amount paid as advance or otherwise along with interest and claim compensation. Right to information The buyer will be entitled to have all the information related to the property,layout plan,execution plan,stage wise completion status etc. Pradhan Mantri Awas Yojana: Having own home is a dream of everyone,unfortunately,some are deprived to fulfill this dream,among so many reasons,financial issue impacted the most of home buying decisions.Fortunately Pradhan Mantri Awas Yojana give a hope over it and many have been benefited from Awas Yojana. Chandigarh

Pandemic COVID-19 effects and changing market trends

7/3/2020 10:34:00 AM

COVID-19 is spreading across the globe and unfortunately it became dangerous right now. World Economy is facing its worse impact although medicine or vaccine found news give some relief to many of us. While Pharmaceutical companies are finding its medicinal solution, people are busy to take care of themselves by boosting their immune system. Currently health food companies are engaged to advertise their products as immunity booster. In the same way sanitizer,soap,antiseptic liquids,hygiene and sanitation market Segment are on boom mode.Real Estate is one among others which placed itself from the negative economic impact. Very well said "Victory comes from finding opportunities in problems". Shelter is an important ingredient of safely and Security. Lockdown made us realized us how home protect us from invisible virus. Many reports claimed rising residential demand.It is pleasure to be a home owner these days, as in Covid-19 days tenants and paying guests faced many problems said news sources.Ownership Title makes us feel Independent and confident and but obvious secure and safe. STAYHOME word is trending in our life right now and it is important for safety prospective. Covid-19 spreading is going to be dangerous simultaneously It has changed people prospective towards life supporting elements of life,Now people demand home with home office,Green Buildings demand is trending these days as it is much capable to reduce impact on physical environment and promote a healthy indoor environment for Residents. The culture of India refers collectively to the thousands of distinct and unique cultures of all religions and communities present in India. India's languages, religions, dance, music, architecture, food and customs differ from place to place within the country. India food and Spices promote health and fitness and COVID-19 days realized this many of us practically and properly.Medicial properties and immunity booster enriched Indian spices are also capable to add mouth watering taste in Indian cuisine. Fast food and junk food addicted indians have no other option but to eat only homemade food these days.In between unavailability of COVID-19 medicine and Vaccine Indian spices and home made stuff are working like life guards against Pandemic.Home Hygiene is the other important thing which we have to do these days. In Pandemic lockdown we spent quality time with our family, and it helped us to reconnect with our loved ones.We had enough time to spend with them.In COVID-19 Lockdown days many good habits we have practiced and we hope it to be continue for lifetime. Chandigarh

NRI real estate investment FAQ

5/26/2020 6:08:00 PM

"1.       Who is a NRI? NRI is a citizen of india, who is holding an indian passport and temporarily residing abroad for employment residence, education or any other purpose or stays abroad under circumstances indicating an intention for an uncertain duration of stay abroad is a non-resident. Non-resident foreign citizens of Indian Origin are treated at par with Non Resident Indian (NRIs). 2.       Who is a PIO? A Person of indian origin who is a citizen of another country, holds passport of another country  and is not being a citizen of Pakistan,Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan. (a)   He/She at any time, held a Indian passport, or (b)   Self or either parents, grandparents, great grandparents or spouse was a citizen of India by virtue of the Constitution of India or the Citizenship Act, 1955 (57 of 1955). 3.Who is an OCI? (a) Any person of full age and capacity: (i) Who is a citizen of another country and holds passport of another country but was a citizen of India at the time of, or at any time after, the commencement of the constitution, or (ii) Who is a citizen of another country, but was eligible to become a citizen of India at the time of the commencement of the constitution, or                                                                                                                                   (iii) Who is a citizen of another country,and holds passport of another country but belongs to a territory that became part of India after the 15th Day of August, 1947. (iv) Who is a child of such a citizen, or                                                                                                                                    (b) A person, who is minor child of a person mentioned in clause (a) Provided that no person, who is or had been a citizen of Pakistan, Bangladesh shall be eligible for registration as an Overseas Citizen of India. 4.General Documents required for buying property Pan card  OCI/PIO card (In case of OCI/PIO) Passport (In case of NRI) Passport size photographs Address proof 5.Which categories can purchase immovable property in India?   Under the general permission of RBI, the following categories can purchase immovable property in India:                                                                                                                                                                                                a) Non-Resident Indian                                                                                                                                                               b)Person of indian origin                                                                                                                                                             c)Overseas citizenship of india The general permission, however, covers only purchase of residential and commercial property, and not for purchase agricultural land/plantation property/farm house in India, such proposals will require specific approval. 5)Can a NRI/PIO acquire agricultural land/plantation property/farm house in India? Since general permission is not giving permission to NRI/PIO to acquire agricultural land/plantation property/farm house in India, such kind of proposals will require specific approval of Reserve Bank and the proposals are considered in consultation with the Government of India. 6)What is the Tax treatment for income generated from property selling or renting in india for NRI/ PIO/OCI? The acquisition of property does not attract income tax. However, any income accruing from the ownership of it, in the form of rent (if it is let out)/annual value of the house (if is not let out and it is not the only residential property owned by that person in India) and/or capital gains (short term or long term) arising on the sale of this house or part thereof is taxable in the hands of the owner. 7). Do NRI/PIO/OCI have to file return in India for rental income from property in india and Capital Gains Tax? The Government of India has granted general permission to NRI/PIO/OCI to buy property in India.These categories do not have to pay tax on mere acquiring property in india, but if they are selling this property, the profit on sale will be subject to capital gains.The gain can be short term capital gain or long term capital gain.If the property held for less than or equal to 3 years after taking actual possession then the gains would be short term capital gains, which are to be included in their total income as tax as per the normal slab rates shall be payable and if the property held for more then 3 years then the resultant gain would be long term capital gains subject to 20% tax plus applicable cess.Property Rental income is taxable in India, and they will have to obtain a PAN and file return of income if they rented this property. 8)How does the Double Taxation Avoidance Agreement work in the context of tax on income and Capital Gains tax paid in India by NRI? India has DTAA’s with several countries which give a favorable tax treatment in respect of certain heads of income. However, in case of sale of immovable property, the DTAA with most countries provide that the capital gains will be taxed in the country where the immovable property is situated. Hence, the non-resident will be subject to tax in India on the capital gains which arise on the sale of immovable property in India. Letting of immovable property in India would be taxed in India under most tax treaties in view of the fact that the property is situated in India. 9)How does Double Taxation Avoidance Agreement work in the context of CGT paid in India on the foreign tax treatment? In case the non-resident pays any tax on capital gains arising in India, he would normally be able to obtain a tax credit in respect of the taxes paid in India in the home country, because the income in India would also be included in the country of tax residence. The amount of the tax credit as also the basis of computing the tax credit that can be claimed are specified in the respective country’s DTAA and is also dependent on the laws of the home country where the tax payer is a tax resident. 10)What are the rules governing the repatriation of the proceeds of sale of immovable properties by NRI/PIO as prescribed by the Reserve Bank of India? (a)  If the property was acquired out of foreign exchange sources i.e. remitted through normal banking channels/by debit to NRE/FCNR(B) account, the amount to be repatriated should not exceed the amount paid for the property: (i) In foreign exchange received through normal banking channel or (ii) By debit to NRE account (foreign currency equivalent, as on the date of payment) or debit to FCNR(B) account. Repatriation of sale proceeds of residential property purchased by NRI’s/PIO’s out of foreign exchange is restricted to not more than two such properties. Capital gains, if any, may be credited to the NRO account from where the NRI’s/PIO’s may repatriate an amount up to USD one million, per financial year, as discussed below. (b)  If the property was acquired out of Rupee sources, NRI/PIO may remit an amount up to USD one million, per financial year, out of the balances held in the NRO account (inclusive of sale proceeds of assets acquired by way of inheritance or settlement), for all the bonafide purposes to the satisfaction of the Authorized Dealer bank and subject to tax compliance. The NRI/PIO may use this facility to remit capital gains, where the acquisition of the subject property was made by funds sourced by remittance through normal banking channels/by debit to NRE/FCNR(B) account. 11) Is the rental income from acquired property in india is repatriable and what are the RBI rules? Being a current account transaction,a rental income,  is repatriable, subject to the appropriate deduction of tax and the certification thereof by a Chartered Accountant in practice. Repatriation of sale proceeds is subject to certain conditions. The amount of repatriation cannot exceed the amount paid for acquisition of the immovable property in foreign exchange. BrickAcres Real Estate Services Chandigarh ( UT) www.brickacres.in https://www.facebook.com/brickacres.in https://www.twitter.com/brickacresin " Chandigarh

New Era in India with bringing of fresh Rs 500 & 2000 currency notes

11/19/2019 6:47:00 PM

"The Govt. Of India yesterday 8th Nov2016 has ignite the flame to flatter the future of all Indians.With this new move the govt has clearly give the message to common man that India is now moving towards cashless transactions whether it is a matter to buy a small matchbox or to buy a LPG cylinder for home or just pay your LPG monthly bill digitally.It added more value to few private e-commerce platforms those have already started building confidence inside the consumer mind to see another alternative of bank ATM card.With this bold move of Govt the rumors are every where that what will happen to Indian Economy, Will specific product  like Stock Exchange, Gold, Real Estate etc will perform well in the absence of black money. In a laymen sense we can expect the things will move ahead in the same way as rumors are, but there can or we say exist another side of coin too. If we see the last three to four years of Indian real estate primary market on ground the chunk of black money was negligible. Due to the buying of investors held in the previous bull run for year  2009-2012 the market price for their assets are not even some time able to sell off on purchased price.Due to existence of end user demand in majority the sellers are managing to accept their short/long term gains through banking.The secondary market in undergoing or recently developed townships hope fully shall not face any major heat of Govt. this move as the margin of long/short term gains are very less. Further the investors those are holding properties in anticipation of better price in the near future will remain peace because of long vision where as current seller may adjust comfortably towards the acceptance of new move to keep the end user demand fulfilled in the near future. Most of Builders all around the country have been fighting since that with Low residential housing sale, Huge inventory , Slow construction phase, liquidity crunch,increasing Debt etc. As expected the selling pressure on the builders those are keeping huge inventory with the support of black money will face heat, but parallel to this Builder working from last few decades in providing good habitation to this country will have opportunity to regain the confidence of customer to large extent. One more addition to this will be the increased liquidity of Banks with this currency demonetization.With these Lakhs of crore deposits the financial strength of banks for lending will be increased and  may soon reflect in the form of reduce lending rate for Home loan etc. As per Economic parameters we know, the reduced home loan rate will ignite end user demand for Homes to fulfill  one major goal of their life.Reduced home loan rates enhance the capability of buyers to stretch  their loan with nominal change in their paying capacity. More over the real estate market is going to be very transparent for players those are practicing cheque & paper transaction in order to keep books of account healthy for buyer and seller. The upcoming enforcement of real estate act by Union govt and RERA presence in all part of country by April 2017 will be the backbone for real estate market to keep stand in front of consumer sentiments for sector. Once again the changing law and polices in country like India. in a surprise and positive manner  keep the finger cross for hoping such more good decision in near future. " Chandigarh

Union Budget 2017 Key Highlights of Real Estate Sector

2/4/2017 6:49:00 PM

"In Union Budget 2017 speech Finance Minister Arun Jaitley  fulfilled one of the major demand of real estate sector, Affordable housing will be given infrastructure status which is likely to result in increased participation from private players.This announcement can help this sector to boost in many way, Simultaneously it will attract investment to the sector.Infrastucture status to affordable housing will act as a catalyst to meet the objectives of pradhan mantri yojana housing for all by 2022. In the union budget 2017 Govt tried to fullfilled all demands what the sectors need to contribute to the economy.Union budget 2017 speech Finance minister Arun Jaitley announced  National Housing Bank will refinance individual loans worth Rs 20,000 crore in the year of 2017-2018.The housing sector alone contributes 5-6 per cent to the country's Gross Domestic Product (GDP).Here, some key highlights of union budget 2017 for real estate sector.a Union Budget 2017 Key Highlights of Real Estate Sector Affordable housing have been given Infrastructure status By 2019 1 crore rural houses will be created Pradhan Mantri Awas Yojana housing for all by 2022 to get Rs 23,000 crore National Housing Bank will refinance individual loans worth Rs 20,000 crore. Developers to get tax relief on unsold stock as liability to pay capital gains,It will arise only in the year a project is completed Instead of Built up area of 30 and 60 sq meters, the carpet area of 30 and 60 sq meters will be applicable for affordable housing Holding period for long term capital gains tax for immovable property reduced from 3 years to 2 years Tax break of 1 year post receipt of the completion certificate, for the unsold stock Rs 2.41 lakh crore has been allocated to boosting infrastructure for transportation Indra Awaas Yojana will be extended to 600 districts Allocation for National Highways to be at Rs 64,000 crore Indexation for capital gains shifted from 01-04-81 to 01-04-2001 Above 3 lakh cash transaction to be stopped. Chandigarh

Demonetization:The Tremendous Unlocking opportunity for Real Estate Sector

12/20/2016 5:06:00 PM

"Views of Noted Economists, Chartered Accountants, Investment Gurus and Finance experts on Effect of Demonetization and other recent developments on Real Estate. Last few days there has been a surge of messages from ""Whatsapp Economists"" with the simple theme that real estate prices will fall drastically due to Demonetization ie ban on Rs 500/Rs 1000 notes. Here's a 10 Point Summary of what actual experts with business and economic logic say: Demonetization will flood the Banking system with funds driving down both interest rates on Deposits and Loans If Interest rate on FD is just 5-6 % interest on Home Loans will come down to 7-8 % (since Banks keep an 2-3 per cent margin). (Banks already indicated the same) Historically at such Low interest rates Real Estate industry gets a massive boost as property becomes attractive to everyone: Buyers, Investors and even that invisible category called Businessmen/Professionals. Even when prices are same, Apartments come within reach of Buyers due to lower EMI on Loans due to lower interest rate Investors find Investing in property more attractive than earning a paltry 5-6 % on Bank Deposit as simply buying and renting out gives them more return. PLUS they create an asset and earn appreciation over a period of time PLUS they get income tax deductions Shopkeepers, Retail Malls, Corporate Houses and even professionals like Doctors, Consultants, CAs jump in to buy property as they want preferred location and once that's gone they may never get that chance again. So, they buy at the first available opportunity instead of waiting for prices to fall. Demonetization will see the most money flowing in banking system from people in the unorganized / small scale sector: Farmers, Traders, Tailors, Hoteliers, Beauty shop owners, Tuition classes, small contractors, House Maids, Drivers, Security Guards etc. Crores of new people entering Banking system means that they will also be eligible to get bank loans and fulfill their dream of owning a house Government will have money to invest in infrastructure as Banks will deploy lakhs of crores in Government Securities. With a few lakh crore at its disposal, Government can only boost funding to infrastructure schemes such as Smart City Mission, Swacch Bharat Mission, Housing for All etc. New Airport in town, better connectivity to National/State Highway, Up gradation in City Transport all lead to increase in demand and prices of properties in the city It is interesting to note that real estate prices show slower rise in countries which have a fully ready infrastructure like USA, UK, Japan etc. Whereas in a developing countries like India, there is a vast difference in prices in a City before and after creation of Infrastructure   Conclusion: In the final analysis, recent developments such as passing of Real Estate Regulation Act, Demonetization, Goods and Service Tax etc combined with Government focus on infrastructure will only serve as positive factors for growth of Real Estate industry Factors of Real Estate Industry which get missed due to one-sided picture created by social media:  Real Estate Industry contributed 7 % to India's GDP. Second Highest employer after Agriculture. Real Estate Industry supports more than 140 allied industries from large ones such as Steel, Cement and Transport to cottage ones such as bamboo and rope making. Real Estate Industry caters to the basic need of Shelter for every citizen. As per Government of India, more than 90 per cent of demand for Real Estate Is in affordable and mid range category. In era of mechanization and automation, Real Estate is the only Industry which still continues to provide regular employment to millions of daily wage earners. One of the only Industries which contributes large share of taxes at all levels of Government: Local Government ie Municipal Corporations etc (Building permission charges), State Government (VAT and Stamp Duty), Central Government (Service Tax and Income Tax). Investments such as equity shares, Commodities like Gold, Silver, Mutual Fund etc have seen large ups and downs. Real Estate is the only asset class which has given stable and constant one way growth over last several decades. Real Estate has both value in use and value as investment. Real Estate investment is the best investment from a very long term angle as taxation happens only on sale and in case of reinvestment 100 pc tax can be saved. With Indian economy becoming increasingly urbanized, it is expected that more than 50 pc of India's population will live in cities by next decade. This massive change in demographic and economic profile of the country will give big boost to real estate over the 5-10 year horizon. Demonetisation good for growth, present problem to be over soon: Adi Godrej, Chairman, Godrej Group  http://economictimes.indiatimes.com/markets/expert-view/demonetisation-good-for-growth-present-problem-to-be-over-soon-adi-godrej-chairman- godrej-group/articleshow/55432068.cms " Chandigarh

FAQs-Pradhan Mantri Awas Yojana

2/25/2016 6:52:00 PM

"What is Pradhan Mantri Awas Yojana (PMAY) Credit Linked Subsidy Scheme? Credit Linked Subsidy scheme implemented as a Central sector scheme,It is launched by our honourable Prime Minister Shri Narendra Modi for urban poor  Economically weaker section (EWS) and Low income group (LIG).In Prime minister latest announcement the neo middle class and the middle class categories have been added in the Pradhan Mantri Awaas Yojana in urban areas and one scheme for rural areas. The beneficiary would be eligible for interest subsidy for acquisition and construction of house.It is also available for new construction and addition of rooms, kitchen, toilet etc. to existing dwellings as incremental housing. Who can avail Credit Linked Subsidy Scheme? A beneficiary is defined as: A family comprising of husband, wife and unmarried children Beneficiary should not own a pucca house either in their name or in the name of any member of their family in any part of India to receive central assistance under the Mission Meeting income criteria defined under the scheme What is the applicable interest subsidy and the loan amount? The neo middle class and the middle class categories have been added in the Pradhan Mantri Awaas Yojana in urban areas.Housing loans of up to Rs 9 lakh and Rs 12 lakh will now get interest subvention of 4 per cent and 3 per cent, respectively, in 2017. Another scheme is being put in place for the neo middle and middle class in rural areas,interest subvention of 3 per cent on Up to 2 lakh rupees loan taken in 2017, for new housing, or extension of housing in rural areas. How will beneficiary receive the interest subsidy benefit? Housing and urban development corporation and National Housing Bank identified as Central Nodal Agencies (CNAs) to channelize this subsidy to the lending institutions and for monitoring the progress of this component. Housing Finance Companies and other such institutions would be eligible for an interest subsidy.The bank will claim subsidy benefit for eligible borrowers from National Housing Bank (NHB).The NHB will conduct a due diligence to exclude claims where customer has submitted multiple request. For all eligible borrowers, the subsidy amount would be paid to the Bank. Once the bank receives the interest subsidy, it will be credited upfront to the Loan Account. What is the size of dwelling units under Credit Linked Subsidy Scheme? The carpet area of houses being constructed under this component of the mission should be upto 30 square metres and 60 square metres for EWS and LIG, respectively in order to avail of this credit linked subsidy. The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs. 9 lakh only. Chandigarh

A Potential Destination to Invest in Real Estate Baddi Brotiwala Nalagarh Industrial Zone

2/17/2012 5:00:00 PM

"A worth in real estate investment associated with the potential of that area to pay returns in terms of Appreciation and rental. Property price always based on the current status and new up comings for any area.Baddi an industrial area of Himachal Pradesh also emerging as a new destination for real estate investment as area has already developed into a industrial house for Big Indian Players of Pharma,FMCG Textile,Biotechnology,Packaging,Informational technology and Electronics etc those contributing towards the witness growth of industrial area. As on 31/03/2013 BBN has received the investment of INR 8116.08 Cr with the registration of 3796 small, medium and large scale units, In which Aprox INR 5031.96Cr has contributed by Medium & Large scale industry. In the last 5 Years Govt has approved projects of worth more than INR 4500 Cr & Expansion of existing projects worth more than INR 1000 Cr. Recently Govt added two more lime stone to its basket by approving investment proposal INR 550 Cr of United Biotech Pvt. Ltd along with Ranbaxy propose to invest INR 84.70 Cr with the Employment potential of 272 people in Baddi. As the area is developed well in terms of industry and still Medium & Large Scale Industries already approved worth more than INR 8000 Cr yet to start its production, the demand for well planned residential and administrative zone comes into play and witness by the Govt. recent activities of appoint a separate IAS officer for Baddi,New modalities with Haryana Govt would work out for the rail link from Surajpur to Baddi,Four lane road from Chandigarh to Badidi,Center Aid of INR 65 Cr to carry out project, Foundation stone for new Tehsil,Shifting State Pollution Control Board to Baddi & so Many etc. activities. Having look on all these facts, One can prudently analyze the growth scenario of BBN area where Half of India’s Pharmaceutical production mainly formulation would be originated." Chandigarh