Things to look for while buying a property

When purchasing a flat, keep this checklist in mind. It will safeguard you against malpractices and irregularities

About the builder/promoter
1. How is the reputation of the promoter/builder?
2. Examine the number of buildings/project that the builder has completed in the past
3. How is the quality of the construction in respect of buildings completed by the builder/promoters?
4. Adequacy of the technical staff employed with the builder
5. How are his past dealings with the customers?

About the title deed

1. Has the builder shown to the flat purchaser relevant documents regarding title of plot on which the building is proposed to be constructed?
2. Is the title certificate from a reputed Solicitor/Advocate attached to the agreement?
3. Whether all information regarding the encumbrances is brought out clearly or is there vague reference to the encumbrances?
4. Is the extract of property register card or other revenue record of the land/plot on which the flats are going to be constructed attached to the agreement for sale?

Inspection of Plans/Drawing
1. Has the building got the approval of plans/drawing from the Municipal Authorities/Local Authority?
2. Has the builder shown to the flat purchaser the approved plans/drawing to the flat purchase?
3. Has the builder shown to the flat purchaser the copy of Commencement Certificate (C.C) and Intimation of Disapproval (I.O.D)?

Area and number of flats
1. Is the serial number of flat, floor at which it is located, name of building/wing distinctly indicated in the body of agreement?
2. Is the carpet area/built-up area of flat distinctly indicated in the body of agreement?
3. Is the dimensioned floor plan making the subject flat annexed to the agreement?

Amenities/Specification
1. Has the builder annexed with agreement a schedule of amenities/specifications (type of construction, flooring, doors, windows, sanitary and water supply, electrical fittings)?
2. Is the sale agreement in accordance with the conditions laid down by the urban land (Ceilings and Regulations) Authorities?

Nature, extent and description of common areas and facilities etc.
1. Does the agreement for sale describe distinctly the common areas and facilities (such as entrance hall, foyer of building, compound wall etc.) and limited common areas and facilities (landing in front of staircase etc?)Percentage /interest of flat purchaser in common areas and limited common areas/facilities?

Possession
1. Is the date by which possession of the flat is to be given specified in the agreement for sale?
2. Is there provision in the agreement for refund of the amounts due by the builder along with simple interest at the rate of 9 per cent per annum from the date of receipt by builder till the date of refund in the event of failure of the builder to give possession of the flat by stipulated date or mutually agreed extended date?

Mode of payment
1. Is the mode of payment of instalments distinctly mentioned in the agreement for sale?

Permission under Urban Land Ceiling and Regulation Act,1976
1. Has the builder obtained permission of the competent authority under Urban Land Ceiling and Regulation Act, 1976 for developing the land/plot on which proposed building is to be constructed?
2. Is the sale agreement in accordance with the conditions laid down by the Urban Land ceiling and Regulation authorities?

Outgoings
1. Has the builder mentioned in the agreement the amount payable by flat purchaser on taking possession in respect of legal charges, share money, application entrance fee of society and charges for formation and registration of the society and proportionate share of taxes and other charges?

Stamp duty and registration
1. Is the flat purchaser aware about the quantum of stamp duty payable by him at the time of execution of agreement?
2. Is the flat purchaser aware that the registration of agreement in respect of flat purchased from the builder is compulsory?
3. Is the flat purchaser aware of the amount of registration charges payable by him?
4. Is the flat purchaser aware of the fact that the time limit for registration agreement for sale is 4 months from the date of its execution?

Form no:37-I
1. Whether fitting of form no 37-I under chapter XX-C of the Income Tax is to be above is in the affirmative ,is the flat purchaser informed about the procedure for filling form no:37-I?
2. Is the flat purchaser aware of the implication of filling form no 37-I?

Permissible FSI
1. The Floor Space Index (FSI) is an important parameter you should know about.F S I=Total built-up area of your complex/Total area of the plot on which it is to be built. If the permissible FSI is exceeded, you as a flat-owner run the risk of demolition of the construction.


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Add new Rupee symbol to your computer

Government of India has recently announced Rupee symbol that was selected out of a contest conducted by finance ministry.

Foradian Technologies which is an Indian Software development company has come up with interim solution for using new rupee symbol in our computer. This is an interim solution in the sense that as New rupee symbol has no separate key in computer keyboard, a key which is sparingly used could be mapped for the Rupee symbol.

The Grave acent symbol (`) – the key just above “tab” button in your keyboard has been mapped for Rupee symbol in this interim solution.

Check here to Download the Font for new Rupee symbol released by Foradian Technologies

To install new Rupee font in your computer save the downloaded true type font file in to C:\Windows\fonts (Please note that C: is the default directory for Windows Opertating System Installation. If you have installed OS in some other directory, D: or E:, accordingly change the directory). You can also install the font file through Control Panel (control panel–>Appearance and Personalization–>Fonts)

After that open the word processor and go to insert symbol. There give auto correct option for grave ascent symbol.

Internet Jobs in India,I Earn Rs.2000 Per Day in Part Time," Smart, Easy & Tension Free

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Beware of China Eggs - Manufacturing fake eggs

In China there are fake schools and classes that teach a variety of blatant fraud technology, even eggs can be modulated by chemical materials, but also be able to fry cook, is currently the most popular False course..

Step 1 modulation of raw materials

Using 7 kinds of chemical materials, see pic below

Fake egg was made from calcium carbonate, starch, resin, gelatin, alum and other chemical products.

Step 2 egg production

Raw egg into the mold to 2 / 3 full, put calcium chloride, colouring die, the egg appears on the film been announced

The 'yolk' is shaped in the round mould. 'Magic water' containing calcium chloride is used

By adding a yellow pigment and become raw egg yolk

Step 3 fake egg shape

In the mold into 1 / 3 raw egg white, like the first package, like dumplings into the egg yolk, egg white into another, into the magic water, a shell eggs will come slowly. Naked egg shape to 1 hour to dry after washing with water, at shells ready.

Step 4

Sewing lines through the use of eggs, immersed in paraffin wax, calcium carbonate, such as modulation of the eggshell into a solution, repeated several times until the shell a little dry, immersion in cold water pumping line shape, this point, the egg has been put on a false cloak , You're done

Hard shells are formed by soaking in paraffin wax onto the egg, which are then left to dry


Oh yeah The Egg is ready.
The artificial egg shell is very fragile and break easily but who cares!! Look so real

Many small bubbles is formed during frying the egg but not many people can tell the difference. The egg look exactly the same, and the eggs taste better than real but you are adding to the statistic of food poisoning person.

Why make fake eggs ? Because of money. The cost of fake egg is only 0.55 Yuan/kg, while the true [WINDOWS-1252?]eggs’ market price is 5.6 Yuan/kg.

Cases of problem foods and food poisoning are widely reported in Mainland China over the last few years. In 2001, there were 185 cases of food poisoning, affecting about 15,715 people and causing 146 deaths. The cases doubled in 2002. In 2003, the number of reported cases was ten times more than that in 2001, and the number of people suffered was as high as 29,660, including 262 deaths Now In Sept 2008 Nearly 53,000 Chinese children sick from contaminated milk; 4 have died

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Must Know Facts About Your Mobile

1) Emergency number:
The Emergency Number worldwide for Mobile is 112. If you find yourself out of coverage area of your mobile network and there is an emergency, dial 112 and the mobile will search any existing network to establish the emergency number for you, and interestingly …this number 112 can be dialed even while the keypad is locked. Try it out.

2) Locked the keys in the car? Your car has remote keys?
You would have experienced this situation many a times. Good reason to own a cell phone:
If you happen to lock your keys in the car and the spare keys are home, call someone on your cell phone. Hold your cell phone about a foot from your car door and have the other person at your home press the unlock button, holding it near the phone on their end. Your car will unlock.Saves someone from having to drive your keys to you.Distance is no object. You could be hundreds of miles away, and if you can reach someone who has the other “remote” for your car, you can unlock the doors (or the trunk).Editor’s Note: *It works fine! We tried it out and it unlocked our car over a cell phone!”

3) Hidden Battery power
Imagine your cell battery is very low, You are expecting an important call and you don’t have a charger. Nokia instrument comes with reserve battery. To activate, press the keys *3370#Your cell will restart with this reserve power and the instrument will show 50% increase in battery. This reserve will get charged when you charge your cell next time.

4) How to disable a STOLEN mobile phone?
Have you lost your mobile or is it stolen?
Check your Mobile phone’s serial number, key in the following digits on your phone:* # 0 6 #
A 15 digit code will appear on the screen. This number is unique to your handset. Write it down and keep it somewhere safe. when your phone get stolen, you can phone your service provider and give them this code. They will then be able to block your handset so even if the thief changes the SIM card, your phone will be totally useless.
You probably won’t get your phone back, but at least you know that whoever stole it can’t use/sell it either.

5) Be careful while using your mobile phone
When you try to call someone through mobile phone,don’t put your mobile closer to your ears until the recipient answers. Because directly after dialling, the mobile phone would use it’s maximum signalling power, which is: 2 watts = 33dbi, Plz Be Careful, Message as received (Save your brain)
Please use left ear while using cell (mobile), because if you use the right one it will affect brain directly. This is a true fact.

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Auto Rickshaw Complaints

Hi Bangaloreans,
I got this info from a friend. It will be nice if you can share with others.

You are in a hurry to catch the train. You pack all your stuff and frantically run out in the hope of catching an auto. You come out and see 5 autos standing at the corner. You thank God and ask them - "Majestic chaloge kya??” The Answer is "Rs 200 hoga!!”. "Kya?? It just cost Rs 100 till Majestic". "Bahut rush hai sir!!". You move on to the next auto, to try your luck and surprisingly, you have the same conversation "Bahut rush hai sir!!". Finally you give up and bargain the price to Rs 170 and hope you don't miss your train.

Sounds more than familiar??
You stand on the road and keep on asking the passing autos for a ride to your destination - if it's not your day, the autos will not even bother to stop; if you're a bit lucky they might actually slow down to hear your destination's name and think for a second (i always wonder if they are calculating their net profit) and then speed away. However if you are luckier, the auto guy might quote an exorbitant price and then speed away. But if it's your extremely lucky hour of the day, you might end up getting an auto which is ready to take you to the destination at meter price.In my six years of existence in Bengaluru, these experiences have been really instrumental in teaching me great virtues - Patience and Tolerance. But at what price??? exorbitant rates, extremely rude behavior and what not ......After years of feeling used, i set out to find the answer for this misery - was there no government system that could bring these auto guys to justice? As a citizen, how can i express my concern?

This search took me to the Koramangala RTO office (BDA complex) and to my surprise i found that there did exist a government system which i believe 99.99% of Bengaluru is unaware of !! the System.
Note the vehicle number (KA-XX-YY-ZZZZ) and email the details to transcom@kar.nic.in. Based on the prefix XX (for example KA-01), complaint will be sent to one of the ten RTO offices in Bangalore and adjacent taluk areas.Alternatively, one can also call these offices at the number given below based on the vehicle number prefix and directly lodge a complaint.Vehicle Prefix (KA-XX) Bangalore location Phone number
KA-01 Koramangala 080-25533525
KA-02 Rajajinagar 080-23324104
KA-03 Indiranagar 080-25254310
KA-04 Yeshwantpur 080-23376039
KA-05 Jayanagar 080-26630989
KA-41 Gyanabharthi 080-28602833
KA-50 Yelahanka 080-28561366
KA-51 Electronic City 080-25735522
KA-52 NeelaMangala 08234-285598
KA-53 KR Puram 080-25617951

Once the complaint is received at the corresponding office, a notice is issued to the address of the vehicle’s registered owner, requiring him/her to turn up at the RTO office within 7 working days. Every RTO has about 10 IMV’s (Inspector of Motor Vehicles) who seize the vehicles which don’t report to the RTO.The penalty levied from the auto-waalas is Rs.100 under section 200.

The various offences among others for which one can lodge a complaint
Refusal to come to destination (Any destination!!!)
Demanding excess fare
Using rough language
Cheat the public, for e.g. taking longer routes.
Faulty Meter
There is also a helpline number - 080-22353785 available Monday – Saturday from 10:00 am - 5:30 pm on which one can call to lodge complaints.The numbers speak for itselfI was shocked when I found that the Koramangala RTO office received only 5 complaints a month. With over 1,00,000 autos plying on Bangalore roads, shouldn’t it be like 5 complaints a minute?What’s wrong with the system?

Lack of Awareness among the Bangalore citizens
The system is inefficient in data gathering- emails or phone calls cannot be stored and processed properly, leading to ineffective use of these complaint data.
Converting these complaints into notices issued to vehicle owners is still a manual process
Limited government officials to handle

So, will our impatience always have to take a backseat? Can something be done to improve/compliment the system to make it more effective? Will we get a better platform to
raise our voices democratically?

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Stress Management

All stress isn’t bad. Stress can initiate change, help us focus on the task at hand, and in some cases even save our lives. Yet, when stress builds up, it can result in the opposites— and cause us to spin our wheels, keep us from concentrating, and cause bodily injury and even loss of life.
The first tip in managing stress is to recognize your stressors. The next step is to put each of them in their place. The following stress management tips, based on some old and some new adages, can help you do just that!

Take a Deep Breath and Count to Ten—Taking a deep breath or two adds oxygen to your system, which almost instantly helps you relax. In addition, taking a moment to step back can help you maintain your composure, which in the long run, is what you need to work rationally through a stressful situation.

Start with “take a deep breath” and…
Count to ten (or more or less as the situation warrants!) Stand up and stretch. Remember relaxation is the opposite of stress. Stand up and smile. Try it! You’ll feel better! Take a short walk. If you’re at work, take a bathroom break or get a glass of water. Do something that changes your focus. When you come back to the problem, chances are it won’t seem nearly as insurmountable. In the book Gone With the Wind, Scarlett O’hara says, “I can't think about that right now. If I do, I'll go crazy. I'll think about that tomorrow.” Good advice! Stop and Smell the Roses—“Things happen” and sometimes “bad things happen to good people”. If we let them, stressful events can build up, wall us in, and eventually stop us from enjoying the good things in life. Take the time. Too often we put the pleasantries of life on the back burner, telling ourselves we don’t “have time” or can’t “make time” for them. However, actually, time is the only thing we do completely own. While we can’t “make” a day that’s longer than 24 hours, each of us starts the day with exactly that amount of time. Take a part of your time to recognize the good things in your life. Sleep on it. Every coin has two sides and every issue has both pros and cons. List them both then put the list away and take a second look tomorrow. Sometimes “sleeping on” a situation changes the minuses to pluses. Every cloud has a silver lining. After all, rain makes things grow! Ben Franklin found good in a bolt of lightning. Find the good in your stressful situation by listing the negative surges and determining what it will take to make them into positive charges! “A Man's Got to Know His Limitations—”Knowing yourself and your limits may be the most important way to manage stress effectively. Dare to say no. One more little thing may be the “straw that breaks the camel’s back”. It’s okay to say “No”, “I can’t”, or “Later”. Acquit yourself. Sometimes events really are out of control and you really are “Not Guilty”. Quit blaming yourself. Be pro-active in finding peace. Those who unsuccessfully use the crutches of drugs and/or alcohol to alleviate stress often find themselves in a twelve-step program like A.A. where one of the mainstays is the Serenity Prayer: “God grant me the Serenity to accept the things I cannot change; The Courage to change the things I can; and the Wisdom to know the difference.”

When you need help, get help. Even Atlas couldn’t bear the weight of the world on his shoulders forever. Whether you need help from kids or spouse in hauling groceries into the house, help from a colleague to solve a work-related problem, or professional help to find the causes of and effectively manage your stress, getting the help you need is in itself a major stress management tip! Other Tips Get a good night's rest. Eat healthily. Listen to your favorite music. Exercise, participate in a sport or engage in fun activity. Plan out your time and prioritize. Talk to a friend about your problems, don't hold it in. Get a massage. Take a nap. Take a warm bath. Read a book or watch TV.

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Effect of stress

The effects of stress can dramatically impact our lives for better… or worse.
That extra rush of adrenalin, released during acute stress gives us a needed burst of speed when we flee from danger or an extra surge of power when we decide to stand and fight. However, when we fail to release stress by coping with life’s situations, it builds up until we either explode or collapse.

The consequences of stress can cause specific disorders in both mind and body. In addition to raising levels of the stress hormones, adrenaline and corticosterone (lately much talked about as cortisol), a build up of stress can cause headaches, digestive problems, eating disorders, insomnia, fatigue, and lower our resistance to other illnesses like colds and flu.

When we are deluged by a sequence of stressful situations, our bodies don’t have time to adjust and our minds don’t have to make the decisions necessary to deal with stress in a healthy manner. This is episodic stress. Over time, unrelieved stress, like episodic stress, can result in increased heart rate, respiration, and blood pressure, which in turn put undue stress on bodily organs such as the heart and lungs. Eventually our body gives up the fight; unable to flee from our problems we develop more significant problems like heart disease, high blood pressure, stroke, and other illnesses.

Emotionally, stress can near literally burn us out. Long-term stress becomes chronic stress. Stress becomes inconspicuous, hiding behind feelings of hopelessness, constant anxiety, depression, and in severe cases serious mental aberrations such as paranoia and delusions. Of course, the worst-case consequence of stress is suicide.

Just as each individual differs from the next in his or her responses, there is no set limit as to how much stress each of us can endure. Each of us seems to be endowed with our own stress “thermometer”. When the mercury rises or plummets, in order to stay healthy we need to have a planned strategy to manage stress. Knowing and using a few stress management tips can make all the difference in the consequences of stress.

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