India Post is a perfect comeback story. During late 90's when private courier companies entered Indian Market, they broke the monopoly of India Post. The USP of Courier companies was Timely & Fast delivery and Better Service. The India post was written off as Poor Man's Courier during late 90's. The history repeats itself and India Post is back with a bang delivering value to customer. I did lot of study on this topic and off-record spoke to executives of private courier companies. The common conclusion is that gradually courier companies are losing business to India Post. In last 20 ... Read More
Possession Linked Payment Plan
In my previous post i discussed Why Under Construction Projects get Delayed? In continuation of same, lets find out how Possession Linked Payment Plan help to reduce the risk of project delay. Currently the most popular payment plan for property purchase is Construction Linked Payment Plan in which certain % of payment is released as the project progress i.e. at every stage of construction. Construction Linked Payment Plan is mutually beneficial for both buyer and the builder. In my opinion, It favor builder as 90% payment is released when super structure is ready. Possession Linked Payment ... Read More
Why Under Construction Projects get Delayed?
The biggest worry of any buyer in Under Construction Project is delay in Possession of flat. Lets take the case of one of my reader Mr. Rupesh Shah from Ahmedabad who sought my advice in this regard. He booked a flat in 2008 from very reputed builder in Ahmedabad. Builder promised possession of flat by 2010, when Mr. Shah was planning to get married with his childhood love. The couple wanted to start their new life in new house. In 2014, the couple is blessed with 2nd child but still they are awaiting possession of their dream house. Mr. Shah's case is not an isolated case but very common ... Read More
How to file RTI Application to BESCOM
RTI is most potent tool in the hands of citizens to bring transparency in the system. Any Citizen of India can file RTI application and seek information from Public Authorities. Recently the Resident Welfare Association of my complex proposed the collection of huge amount for replacement of Transformer oil of Electricity transformers installed in the society. This proposal was put across in special GBM and was approved with majority vote except few residents who opposed it. Based on my knowledge, I put across following key points against the proposal 1. It is the responsibility of state ... Read More
Convert Physical Insurance Policy to e-insurance
e-insurance is one of the most revolutionary step taken by IRDA (Insurance Regulator and Development Authority). In recent past, Insurance sector has undergone many changes. e-insurance is one such step for the benefit of customers. After Stocks, Mutual Funds, Bonds, NCD's, ETF's, Derivatives etc now you can store Physical Insurance Policy in paperless Electronic format also known as e-insurance or Electronic insurance. IRDA has issued licenses to five insurance repositories. These insurance repositories are authorized to digitise Physical Insurance Policy to e-insurance & store ... Read More
25 Kg Weight Loss in 6 Months
Weight Loss is one of the most searched topic on internet. Obesity is the root cause of majority of lifestyle related diseases & other serious medical conditions. 6 months back, i hit a century (106*) not in cricket but in body weight. It was an alarm bell as i started facing other Health Issues due to obesity. I was a big time foodie contributing to the high profits of Soft Drink, Pizza, Burger & FMCG companies. In my opinion if you eat food like a Medicine at young age than you need not to eat Medicines like Food at old age (Food for thought). At the same time, I strongly recommend ... Read More
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