buyers beware

First of all a warm welcome to the buyer community. Whomever you might be an investment property buyer, first time buyer, key home buyer,  second time buyer, or cash buyer some basic rules you should follow in property buying as well as know some tricks to tackle the market, vendors & the like.

The government of each place specifies in its website , offices, & through news portals do's & don'ts for the buyers information. It is the buyers responsibility to be aware & informative. Ignorance is no excuse where you spend in lakhs & crores. Whether you earn in lakhs per month or year decision making regarding the area, size of the property might differ otherwise almost all the properties needs the same attention.

According to Bangalore whether within city limits or future expanding city (outskirts) there are authorities to help you out. Its solely the buyers responsibility to gather information. Just googling cannot help much with local information, a friendly chat with office colleagues, neighbors, shop keepers on the first run will fetch you valuable information. Before going to a builder collect all information & ensure his credibility, property management style, number of properties he's holding etc.


BMRDA
http://bmrda.kar.nic.in/

The BMRDA website gives out a valuable information with respect to regions that come under rural development.

The Bangalore Metropolitan Region Development Authority(BMRDA) Act is anAct to provide for the established of an authority for the purpose of planning, co-ordinating and supervising the proper and orderly development of the areas with the Bangalore Metropolitan Region and to provide for matters connected therewith. Whereas it is expedient to provide for the establishment of an authority for the purposes of planning, co-ordinating and supervising the proper and orderly development of the area within the Bangalore Metropolitan Region and to provide for matters connected therein.  

CONDITIONS FOR APPROVAL OF LAYOUT: 1. The approval of layout is valid for 2 years duration. If the layout development is not complete in 2 years time, the approval needs to be renewed before the validity is expired. 2. Under site release regulation, on completion of civil works like asphalting of road, under ground drainage, storm water drainage, drinking water, electrification, Authority will inspect the layout and if found satisfactory the sites vested with Authority(40%) will be released for registration. 3. The park, road, civic amenities sites, under ground drainage, water and electricity needs to be developed on priority basis within 18 months or else the layout approval may be revoked without prior notice. 4. Sewage treatment plant will have to be established at appropriate location conforming to Karnataka State Pollution Control Board guidelines. 5. A license issued under Karnataka Gram Panchayat Act / Karnataka Municipality Act is essential before execution of development work. 6. Changes in the approved layout are not permissible without prior approval from Authority. 7. Any existing tree or vegetation to be conserved to the extent possible and new plants to be grown in the either sides of streets and park. 8. Building in the approved layout shall compulsorily adapt Rain Water Harvesting and steps should be taken for augmentation of ground water at layout level. 9. The roads, parks are to be developed and maintained, while civic amenity sites are to be protected against encroachment till such time Authority may deem necessary. 10. Approach to adjoining land or pieces of land within layout but not part of it should be guaranteed. 11. The layout approval is technical in nature; it shall not be used to prove ownership and any other right on the land. 12. The Authority is not responsible for any civil dispute relating to the land. 13. If any information or records provided to Authority for approval turns out to be fake, the approval is immediately revoked. 14. Advertisement for marketing of the plots in the layout should compulsorily mention approval no. and date. 15. Footpath has to be built on both sides of road to facilitate pedestrian movement. 16. If any of the above conditions are violated, the approval is revoked with immediate effect without prior notice.

Once again a SILVER car

Congratulations coming up every way for once again a new silver car. Car was a luxury in India once but now a mandatory vehicle unlike two wheeler for a family of four like any other country. This is our second car a much needed one even though i didn't have little interest, it is for my son. Sriram cried when we sold the HYUNDAI ELANTRA in Denver, had to be consoled by husband's dearest friends for 2 days then a pick-up & drop-off in his favorite "big car". But he kept up in mind & heart about losing that car until the new car just arrived on our door front. He did not see first, it was Athirsta who did a opening ceremony with a cry (girls don't speak when they are excited) got scared didn't know how to react. Then came our super hero running to the front porch to see the car with twinkling eyes & a wide opened jaw. oh my god this is awesome dad but why a silver car once again was his question going around. He cried to his friend Biddu come see my new big car. The next one month he told stories about the acquisition of his new big car Suzuki Swift VXI the "S" car that's how he fondly says.

At vellore when grandma asked would you give me your car so that i can come to your house, he said i will buy you a new electric car grandma that doesn't need petrol, will drive fast, poor grandma was puzzled for a minute thought he was fooling her with the toy car. Sriram was very clear in his thoughts is learning everything about cars said electric cars are big cars like the swift you & grandpa can sit inside comfortably & ride to Bangalore. Sometimes his uncles used to make deal for the car key if he finished his meal.

Now sriram had grown up to change gear in his silver car, knows to operate the music system, wipers off & on etc at times even the hand break. Luckily he doesn't know yet to start the engine. but there is a list of cars he would like to buy in near future blue car his favorite color like his dad's, then a red car and a very big car , oh ya a race car too. Is that why he asked for a lightning McQueen race car cake for his birthday? may be ya it pondered his mind over for 6 months.

welcome 2012

hello friends & unknown readers

may this new year shower you all with good health,
wealth & prosperity.

All of us has welcomed the new year with usual cheer
unusual resolutions, lots of faith & courage to achieve the
goals.

please nature may there exist peace on earth
so the world will be a beautiful place to live in
as it has always.....

Srirams national anthem

Am so happy indeed proud that my son sang the Indian national anthem for the first time. Even though he sang with some mistakes I excuse him considering his age (4). He started learning the song from his school book to sing right and also learned to stand in attention , salute, & say JaiHind. I will be this happy when he sings American national anthem as he is an American National.

harmful chemicals used in personal care products

Healthline provides a list of eight such chemicals you should never use . These are commonly found in skin care and hair care products.

• Propylene Glycol: Propylene glycol is obtained from petrochemicals and is added in numerous skin care creams and lotions as an emulsifying agent. It makes the skin look smooth; however, it speeds up aging of the skin. It also causes irritation and contact dermatitis.
• Sodium Lauryl Sulfate (SLS): SLS acts as a surfactant, degreaser, and emulsifier and is used in numerous foaming personal care products such as soaps, shampoos, body wash products, face cleansers, shaving cream, etc. This detergent affects the eyes and delays their healing time. It can be absorbed by the skin surface and gets accumulated in your body organs. When used in products containing nitrogen-based raw materials, it forms carcinogenic nitrates, which are known to cause irritation to the eye and skin.
• Fragrance: Artificial fragrance can cause numerous health problems including headaches, lung problems, skin irritation and dizziness.
• Mineral Oil: Mineral oils are obtained from petroleum products and can cause skin irritations. They block skin pores, which restricts movement of nutrients and waste matter from the cells.
• Parabens (Propyl, Methyl, Butyl, or Ethyl):Parabens are used as preservatives in numerous skin care and hair care products. They are highly toxic and cause allergic and skin reactions.
• Imidazolidinyl and Diazolidinyl Urea: These are also used as preservative and are known for causing contact dermatitis.
• Synthetic Colors: Synthetic colors should be avoided as they are allergic to the skin.
• Triethanolamine (TEA): TEA is used to adjust the pH of the cosmetics. It causes various allergic reactions including eye problems, and dryness of hair and skin.
• Sodium Fluoride-- The fluoride that is added to drinking water is hydrofluoric acid. This is a compound of fluorine, which is actually a chemical byproduct of aluminum, steel, cement, phosphate, and other assorted ingredients. Fluoride in this form has no nutritional value and is one of the most caustic industrial chemicals. Fluoride is also an active ingredient in rat and cockroach poisons.
  
• Mineral Oil, Petrolatum and Coal Tar-- Used in many moisturizing products. Mineral oil is a petroleum by-product that interferes with skin's ability to eliminate toxins. Because of this it promotes acne and other skin disorders. Mineral oil has also been associated with premature aging. Any product that contains mineral oil may be contaminated with cancer causing Polycyclic Aromatic Hydrocarbons.
  
• Cocoamide DEA, diethanolamine, TEA, triethanolamine, MEA-- Used as a shampoo thickener and foam stabilizer. According to the MSDS for Cocoamide DEA, this chemical is harmful if swallowed or inhaled and contact with skin, eyes, and clothing should be avoided.
• .... to be continued as the list is growing 
• there is no regulatory like FDA for cosmetics or personal care products....