Low Budget Flats are the new found love of builders. Even reputed builders have created sub-brand or subsidiary to market Low Budget Flats. It is a matter of survival for real estate sector. The sector is going through a very bad phase and struggling to survive. Low budget flats should not be mistaken with Affordable Housing. Typically Affordable Housing and Low Budget Flats are used interchangeably. It is not true. Affordable housing is an entirely different concept. These houses are reasonably priced to bring affordability factor for low-income group. It is more of government initiative and ... Read More
Buying a Property from Builder – Beware of 5 Common Traps
I am buying a property from builder; please tell me how to proceed. This query must be sounding very familiar to those buyers who bought the property from the builder. Typically, the buyers put a lot of emphasis on points after finalizing the property/project. What about pre-sales interaction with the builder or his sales team?. Pre-Sales is also very crucial phase, and most of the buyers are unknowingly get trapped. In my post, Sample Flat - Trap from Builder i discussed one such significant factor of pre-sales. If you are buying a property from builder, then you have to be cautious at every ... Read More
Why Retail Investors Lose Money in the Stock Market
If i ask Retail Investors, How many of you lost money in the stock market?. I can guarantee that out of ten retail investors; eight will say YES. In my opinion, Rest Two are lucky enough to invest in RIGHT STOCKS :). The experience of my readers is quite shocking sometimes. Here i would like to clarify that i am counting Retail Investors who generated returns less that FD returns as a loss to the investor. For simplicity purpose, i will quote the examples of Mutual Funds that is perceived to be safest by the Retail Investors. During one of the discussion, i cited the example of few stocks, and ... Read More
Buying a Joint Property with Parents – 5 Important Points
I am buying a Joint Property with Parents, what all points i should take care. I was in a fix what to say and what not to say :). It's hard to answer such queries of my clients. Buying a Joint Property with Parents is quite an emotional decision for a buyer. As a consultant, i have to be extra cautious in selection of words to answer these queries. Despite being extra careful, sometimes the client gets hurt. The biggest problem in India is that people are not open to discussing inheritance and emotional issues. The buyer becomes too sensitive to discuss such topics in a professional way. As a ... Read More
Credit History – How I am Responsible for My Low CIBIL Score
CIBIL Report is the bible of a credit history of an individual. Through my blog, i have published large no of posts on CIBIL Score. I try to cover all the practical aspects of Credit History. On the web, you may find large no of posts on theoretical aspects that does not have much relevance in my opinion. In my post, How financial institutions Kill CIBIL Score? i shared how financial institutions could kill your score. Not many borrowers are aware that sometimes they are also indirectly responsible for low CIBIL Score. I hope you have heard the word Self Destruction. It is self-inflicted acts ... Read More
Income Tax Investment Proof Submission – Avoid 5 Mistakes
For salaried employees, it is the time of the year to submit Income Tax Investment Proof. I know that we don't like this exercise as it is tedious depending on length and breadth of investments. In this post, i will not discuss nitty gritty of tax savings or whether you availed all the deductions or not. This post will discuss being a salaried taxpayer what all points to check or taken care of to avoid mistakes before submission of Income Tax Investment Proof. Always remember that your employer is only responsible for TDS deduction based on your Income Tax Investment Proof submission. The ... Read More
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