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Monday, 30 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ Fishing
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Friday, 27 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ S & S - morning thought
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Thursday, 26 April 2018
Re: [ ::: ♥Keep_Mailing♥ ::: ]™ Rare photos of our world
many thnx
2018-04-26 10:47 GMT+02:00 'DR. MAHESH' via Keep_Mailing <keep_mailing@googlegroups.com>:
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Subject: Rare photos of our world---A great photo collection...
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• • • •
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Re: [ ::: ♥Keep_Mailing♥ ::: ]™ Rare photos of our world
Marvelous. Thanks for sharing in the group.
P. RANGAMANNAR
On Thu, Apr 26, 2018 at 2:17 PM, 'DR. MAHESH' via Keep_Mailing <keep_mailing@googlegroups.com> wrote:
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Subject: Rare photos of our world---A great photo collection...
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P.RANGAMANNAR
9, Sai Moreshwar Luxuria,
9, Sai Moreshwar Luxuria,
Near Sanjivani International School,
Plot No.74, Sector 18, Kharghar,
Navi Mumbai - 410210
(M) 9820713899
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[ ::: ♥Keep_Mailing♥ ::: ]™ Rare photos of our world
Subject: Rare photos of our world---A great photo collection...
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[ ::: ♥Keep_Mailing♥ ::: ]™ King Penguins on South Georgia Island
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Wednesday, 25 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ 19 Important Tips For Property/Apartment Purchasing - Investment Guide
By JunaidTahir
Buying property is not something you do every month or every year hence being vigilant prior to making purchasing decision is very important.
Whether you are considering an apartment for your own living or investing your money to make some passive rental income, a careful approach will lead to more satisfying experience and better value for money outcome. Thinking on the same lines, below Property Investment Guide has been prepared containing 19 aspects for your consideration.
1- Cost Analysis
The foremost important question! Before making your mind for a specific property, check market price for similar properties from local agents (minimum 3) or respective market portal/website. Consider that fact that local agent and online property portals will quote the same price for the highly sophisticated/educated societies whereas for emerging countries or less-educated countries, asking price mentioned on website is usually 10-15% higher than the actual market price. Know the right numbers with thorough search.
2- Built-Up Area Vs Carpet Area
Remember, construction area and livable areas are different. Construction Area or Built-up Area (BUA) is actual used area of an apartment. Built up Area is the carpet area plus the thickness of outer walls and the balcony. Some apartments/houses might have large balconies which may not prefer specially for hot climate countries.
3- Cost per Square Foot
Cost per square foot can give you a quick idea about your investment Vs Size. Posh areas would have higher cost per square foot. Most of the mature websites/portals usually show this value automatically. Check the cost per square feet value for similar apartments for quick comparison.
4- Annual maintenance cost
If you are purchasing the unit/house for investment, remember the fact that your take-home income is after the payment of maintenance cost. Maintenance cost are usually calculated on per-square feet basis. In some buildings, maintenance cost is paid by tenant to the building management whereas for other countries, the owner is required to pay the maintenance charges (Monthly or Quarterly). Check who will be paying maintenance charges and how much.
5- Currently rented? If not, why not?
Many investors prefer to purchase the unit/house which is already rented because they know how much they are going to earn out of it and also they want to start their income as soon as apartment is purchased. If the unit you plan to purchase is not rented, try to find out the reason. Probably, the building is not in-demand in the vicinity or tenants have more new buildings available in the community or the building has maintenance issues etc. Speak to the tenants and find out!
6- If Rented What is ROI?
Your Return on Investment ROI = (Annual Rent – Annual Maintenance Charges)/Total Investment
For example: you purchased an apartment in $600000 having annual maintenance cost of $10,000. If the annual rent is $50,000 then the ROI = (50000-10000)/600000 = 6.7%.
Each property market has different ROIs. On a general note try to invest where ROI is 7% or more.
7- Closed Kitchen Vs Open Kitchen
Consider the most-likely nationality of the tenants of the area. European/American tenants usually prefer open kitchen setup whereas Asian wives mostly prefer closed kitchens to manage their large crockery. Since you want to be a good investor, always consider end-user perspective else not a lot of tenants would be interested taking your unit on rent.
8- Balcony Availability
Most of the tenants would prefer the apartments with balcony for evening chit-chat, for drying their clothes or for simply placing kids cycle or other stuff. Depending upon the type of community (congested community vs wide area community or nice-view community) the size of the balcony also matters.
9- Free hold vs 99 year lease
If you are expat or investing in another country, always check the land/apartment ownership rules. In some countries the ownership is granted for 99 years from the date of construction. Although you are not going to live this much, but at the time of selling the unit, the new buyer might prefer buying free-hold property. None the less, 99-year lease will also be sold out sooner or later because human psychology is different for everyone!
10- Builder Repute
Always prefer to buy an apartment which was built by reliable builder. Check the reputation of the builder prior to making buying decision. Don't just go for the outlook of the construction. All that glitters is not gold. It's quite easy to make a poor-quality building look awesome. Beware of dodgy builders. Don't get deceived. This article appeared on DailyTenMinutes.com originally.
11- Community Services at walking distance?
Community services are very important aspect of any living. You don't want to purchase a fantastic apartment with all the great feature but do not have schools, markets, parks, pray areas, banks and hospitals nearby. Such a waste of investment !
12- Security, Gym, Pool availability
In-building features are equally important. Many tenants prefer to stay in buildings having gyms and sauna. If the family has kids, they will love having kids play area and pool. Also check the security features of building such as physical appearance of guard, wireless remote based car parking entry and CCTV in lobby, common area and parking.
13- Car Parking included?
Check how many car parking are being provided. Are parking slot shaded/covered? You would not like to park your car outside the building which is prone to dust, sun and even stealing.
14- Built-in Wardrobes?
Some architects consider providing built-in wardrobes. This is to facilitate the tenants to move to the apartment without much hassle of being new cupboards. This is definitely an ad-on you should consider.
15- Number of Washrooms? Extra Store Room? Maid Room?
Extra rooms are definitely a plus however with large apartment space, the investment will also be higher. If you are buying for your own, do your need vs wants analysis and make decision based on your buying capacity.
16- Take Your lady:
Sorry, I am writing this recommendation at number 16, whereas it should be one of the top considerations. Highly recommended to take your wife, daughter, mother, sister to see the apartment because females have that strong critical aesthetic sense which males simply don't possess. They will surprise you by looking into the nitty gritty of interior designing aspect.
17- Agent Reliability and Legitimacy
Remember, agents work to get commission. Be strict, logical and analytical when dealing with agents. Agents are simply sales person trying to sell a product which means you may become their victim if not being careful. Verify agents credibility by checking his (and his company's) repute, asking for his legal identity, visiting their office and checking his LinkedIn profile. Never pay anything (cash or cheque) without proper legal documentation. Read this article 10 Qualities of Good Real Estate Agent
18- Cash vs Mortgage
Personally I do not recommend mortgage approach. Firstly, you do not have clear understanding about your rate of return on investment since you have to pay monthly charges for many years of your life. Secondly, having a liability of returning massive amount of loan causes psychological pressure. I know many people who have lost their peace, got sick and deteriorated relationships due to loan stress. Think twice before you take any decision involving financial liabilities.
19- On-Plan vs Off Plan
Generally speaking off-plan investment generates more profit however it requires careful ROI calculations and good understanding of future-cost-analysis of the property. While doing the analysis you need to consider:
- Currency depreciation factor (especially if you are a foreigner and investing in emerging countries where currency value depreciates drastically),
- Revenue which you could have earned if not invested in off-plan.
- Assurance from the builder on whether the forecasted completion date will be ensured. If not what compensation will be given to you? What are your rights as an investor and how the legal entity of land department is protecting you.
- Check the financial status of the building company. Seek guidance from local agents or real estate companies.
- Consider taking legal counselling before you sign the deal for off-plan
- What are the exact deliverables of the off-plan property (furniture details, tiles finishing, paint type etc. Check all of the features which are mentioned in this article above. All deliverables should be written in the contract.
Final words:
I hope these points will help making your property purchasing decision easy. If you have any other recommendation for this guide, please do share.
Please drop me email if you want to have excel based Return On Investment ROI analysis file and excel based check list so you can compare multiple properties for making any decision.
#PropertyInvesmentGuide #dailytenminutes #JunaidTahir #PropertyCheckList
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Tuesday, 24 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ When God Gives...
Trust in God for He will provide you with much more good things in life
Once A Boy Went To A Shop With His Mother.
The Shop Keeper Looked At The Small Cute Child And Showed Him A Bottle With Sweets
And Said
" Dear Child..... You Can Take The Sweets...
But The Child Didn't Take. The Shop Keeper Was Surprised..
Such A Small Child He is And Why is He Not Taking The Sweets From The Bottle.
Again He Said Take The Sweets.... Now The Mother Also Heard That And Said..
Take The Sweets Dear..
Yet He Didn't Take...
The Shopkeeper Seeing The Child Not Taking The Sweets...
He Himself Took The Sweets And Gave To The Child.
The Child Was Happy To Get Two Hands Full Of Sweets...... ......
While Returning Home The Mother Asked The child...
Why Didn't You Take The Sweets, when The Shop Keeper Told You To Take?..
Child Replied...
Mom! My Hands Are Very Small And If I Take The Sweets I Can Only Take Few..
But Now You See When Uncle Gave With His Big Hands....
How Many More Sweets I Got!
Moral:-
When We Take We May Get Little But When God Gives...
He Gives Us More Beyond Our Expectations. ..
More Than What We Can Hold..!!!!!! !!!
The Shop Keeper Looked At The Small Cute Child And Showed Him A Bottle With Sweets
And Said
" Dear Child..... You Can Take The Sweets...
But The Child Didn't Take. The Shop Keeper Was Surprised..
Such A Small Child He is And Why is He Not Taking The Sweets From The Bottle.
Again He Said Take The Sweets.... Now The Mother Also Heard That And Said..
Take The Sweets Dear..
Yet He Didn't Take...
The Shopkeeper Seeing The Child Not Taking The Sweets...
He Himself Took The Sweets And Gave To The Child.
The Child Was Happy To Get Two Hands Full Of Sweets...... ......
While Returning Home The Mother Asked The child...
Why Didn't You Take The Sweets, when The Shop Keeper Told You To Take?..
Child Replied...
Mom! My Hands Are Very Small And If I Take The Sweets I Can Only Take Few..
But Now You See When Uncle Gave With His Big Hands....
How Many More Sweets I Got!
Moral:-
When We Take We May Get Little But When God Gives...
He Gives Us More Beyond Our Expectations. ..
More Than What We Can Hold..!!!!!! !!!
[ ::: ♥Keep_Mailing♥ ::: ]™ Who would like to trespass on this island?
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[ ::: ♥Keep_Mailing♥ ::: ]™ Smile with joy
About a year ago, I saw an ad for Costco's giant 93 inch teddy bear and knew I had to buy it for my girlfriend. After purchasing it and playing with it for a while I had the idea to create an instagram page for the bear, to document our adventures and pose the bear in funny and creative ways. My girlfriend and I named the bear Boone and have been sharing photos of him ever since.
We hope to spread smiles across the world with Boone :)
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Monday, 23 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ Which month were you born in?
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Saturday, 21 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ DENTIST
A Sindhi went to a dentist for tooth extraction but first enquired about the cost. Dentist said Rs 1200, the Sindhi thought that was too much.
After some thought, he asked about cheaper methods. The dentist said, "Yes, it can be done without anesthesia and will cost only Rs 300, but it would be very very painful."
Sindhi said, "OK Doc, let's do it without anesthesia."
The dentist removed the tooth without anesthesia. During the entire procedure, the Sindhi sat quietly, even smiling a little.
The dentist was not only surprised but was quite impressed and said, "I have never seen such a brave patient. I don't even want my fees, here take Rs 500 as a reward instead, you've taught me such a powerful lesson today about mastering one's pain!!!"
In the evening he met his fellow dentists and told everyone about this amazing Sindhi patient. One doctor jumped up and shouted, "That ×%#@ Sindhi first came to me, I gave him anesthesia and asked him to wait outside for half an hour! After half an hour when I called for him, he had left!!
After some thought, he asked about cheaper methods. The dentist said, "Yes, it can be done without anesthesia and will cost only Rs 300, but it would be very very painful."
Sindhi said, "OK Doc, let's do it without anesthesia."
The dentist removed the tooth without anesthesia. During the entire procedure, the Sindhi sat quietly, even smiling a little.
The dentist was not only surprised but was quite impressed and said, "I have never seen such a brave patient. I don't even want my fees, here take Rs 500 as a reward instead, you've taught me such a powerful lesson today about mastering one's pain!!!"
In the evening he met his fellow dentists and told everyone about this amazing Sindhi patient. One doctor jumped up and shouted, "That ×%#@ Sindhi first came to me, I gave him anesthesia and asked him to wait outside for half an hour! After half an hour when I called for him, he had left!!
Friday, 20 April 2018
[ ::: ♥Keep_Mailing♥ ::: ]™ How to Build Trust to Enrich Relationships
How to Build Trust to enrich relationships
During my recent training on Management, the course of discussion slightly moved to the subject of Building Trust. Our trainer (my mentor as well) draw our attention to some important aspects of building trust. Since the idea of writing this article was originated during the training so I dedicate this article to my teacher, Georgie Collis, as she sowed the seed in my brain to produce this article.
So, before we go in to the details on how to develop trust, let us understand what Trust is. Trust is the permanent certainty and confident expectation from someone for something. Lack of trust might lead to shattered relations so Trust is the most critical ingredient for strong relationship; the relation which can either be between Husband-Wife, Boss-Employee, Father-Son, Brother-Sister, supplier-customer and so on.
Here are some recommended behaviors which you need to demonstrate in order to develop trust:
1- Being Responsible: ensure you are performing your day-to-day responsibilities and meeting the short-term and long term expectations by your dependents.
2- Listen: Listen, Listen, Listen. God has given you two ears and one tongue so you listen more and speak less. Effective Listening is a skill; develop this habit. Google it today and learn.
3- Being Truthful: Be honest and fair. Don't deceive someone. Remember the fact that building trust is tough but it takes seconds to have scratches-in-the-jewel which usually is very hard to recover.
4- Keeping Promise: your promise is your commitment with someone to do something, so don't break at any cost. In case you couldn't meet your promise, there is always a door for dialogue for re-consideration of things. In case of dialogues be fair, be truthful and be open. Confess the short comings on your end.
5- Consistent behavior: the ever changing attitude is an indication of your non-predictive personality which is an anti-trust drive. So be consistent in what you speak and what you do.
6- Apologizing behavior: Sorry is the best medicine in healing relationship complications. In fact, Sorry and Thanks are the two golden words which my Kindergarten going son has refreshed for me. Use them often and you will see massive improvements in your daily life.
What are your suggestions to develop Trust?
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