Showing posts with label niharika agarwal haldiram/haldirams. Show all posts
Showing posts with label niharika agarwal haldiram/haldirams. Show all posts

Saturday, 10 August 2013

The Katha-Upanishad refers to material manifestation as

"A tree standing on the ground of material nature, bearing two types of fruit: sweet and sour, symbolic of happiness and distress. Its roots go in three direction represented by goodness, passion and ignorance. The first bird is the localized aspect Niharika Agarwal Haldiram of the Supreme One, referred to as Päramätmä the divine spirit, the Entity who needs neither food nor drink. The other bird representing the mortal, has to select his food from the offerings of the tree: a choice between distress and happiness. Sometimes he eats the fruits of happiness and sometimes the fruit of distress. Having eaten the fruit, he expands along the three directions of the roots, the modes of material existence, namely, goodness, passion and ignorance."

This individual growth is what makes two mortals dissimilar. Growth is strongly connected with past karma and guidance upbringing. The realities of life have different meanings for each individual. Why does a stable and rewarding professional relationship become distant? Why does the accommodating boss turn into a difficult task master? Niharika Agarwal Haldiram Why does the team lose spirit for no apparent reason?

There is no end to such questions, but all the answers can be found if the map of growth can be analyzed. Unfortunately, this is an impossible task for mortals. However, this growth can be monitored by our own efforts and choices and Astrology can be the guide that shows us our very basic instinctive tendencies. Planets and their positions give our respective Ascendants and Moon signs, along with other planetary positions. This doctrine can be a Niharika Agarwal Haldiram very useful friend philosopher and guide, provided we are open to accept what it shows, provided we are ready to go beyond the predictive elements.

The most important aspect of Astrology is that it shows you the mirror image of your Karmic journey. What one has to understand is that there is no black and white, no good or bad in a horoscope,each horoscope is misaligned somewhere, that is why the person is born.

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The significance of the 10th house takes us to the realm of career and status in life. It displays fundamental possibilities. The 10th is a Kendra and as such, any planet located here will be prominent, powerful, and influential all through life. As this is an upachaya house (attributes that grow with time and effort), any possibility indicated by an occupying planet will Niharika Agarwal Haldiram grow in strength as life progresses. This in effect also gives great strength in overcoming all kinds of obstacles.

The house indicates our ambition, status, profession, father, fame, recognition, foreign travels or affairs, political power, authority and many others. But very importantly, it signifies our determination, self-reliance and patience. The 10th house reveals holy pilgrimages, as well as good and charitable deeds, compassion, etc. Father's reputation is also signified by this house.

A strong 10th house will give the person a position of power in career and fame.

Different planets may fare in a very unique manner in this house, irrespective of their lordship. Let us see how they fare and Niharika Agarwal Haldiram how it affects our career or 10 th house significations in general.

I will start with the Sun, as it is the most important of all planets.

The Sun is a great planet, but it is a natural malefic. All malefics thrive in an 'upachaya' house so by the virtue of this tendency, Sun does well when located in the 10th house. Sun in the 10th house is an excellent placement for career Niharika Agarwal Haldiram and the person may get success in all undertakings. The Sun is the significator of the 10th and hence gets dik bala, or directional strength, when located here.

Astrologers often conclude that it is its best position in the horoscope. The person is career-minded and easily rises to a position of authority in his chosen profession. Fame and popularity are associated with this signature and these yield great power. As Sun aspects the 4th house, there may be difficulties in relationship with the mother due to this, Niharika Agarwal Haldiram but wealth is favored and a beneficial relationship with the father, who may be wealthy and prosperous, is also indicated.

Friday, 19 July 2013

The most common mistake that many beginning real estate investors make is that they pay too much for property. Fact is overpaying for property is often cited as the number one reason why so many newcomers fail to make it as profitable real estate investors. That's because most beginning real estate investors are woefully undercapitalized, and they don't have the deep pockets that are needed to subsidize their overpriced real estate investments.

For many neophyte investors, paying too much for their first investment property usually proves to be a very costly and fatal mistake, and marks the beginning of the end of their foray into real estate. That's why it's imperative that you learn how to accurately estimate the current market value of potential investment properties! As far as I'm concerned, it's the single most important aspect of the entire real estate investment business!
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A Fast $15,000 Profit for Knowing the Value of a Condemned House

I once bought a real estate option on a filthy, neglected, run-down, but structurally sound house in a neighborhood-in-transition in Winter Park, Florida, a suburb of Orlando, that had been condemned for building, safety, health and fire code violations. This place looked like something right out of downtown Baghdad, Iraq! It had what code enforcement inspectors commonly refer to as accumulations of every type of debris, garbage and junk known to mankind! The property's owner lived in Westerville, Ohio, and wanted the steady stream of threatening letters from the Winter Park Code Enforcement Board to stop.
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I had done my homework, and knew the property was worth at least $110,000 after it was cleaned up. I ended up paying $500 for a one-year option to purchase the house for $75,000. It cost me $2000 to have all of the accumulations removed from the property, and the house, driveway and walkways pressure washed. Three weeks later, I sold my real estate option agreement for a $15,000 profit! This never would have happened if I had been clueless about how to estimate property values. Since I had an accurate estimate as to how much the property was worth in its current condition, I was able to negotiate a below market purchase price that was based on the property's filthy, neglected, run-down non-marketable condition, and not on how much it might have been worth after it had been cleaned up.
records are available online.

The Definition of Market Value

The Appraisal Foundation's Uniform Standards of Professional Appraisal Practice, defines market value as: "The most probable price a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the sale price isn't affected by undue stimulus.”

The Difference Between Assessed Value and Appraised Value

The difference between a property's tax-assessed value and its appraised value is as follows:

1. Tax Assessed Value: Tax-assessed value is the value established by the local taxing authority for a parcel of land and the improvements placed upon the land for property tax purposes. For example, in Florida, owner-occupied single-family houses are generally assessed at around seventy percent of their fair market value by county property appraisers.

2. Appraised Value: Appraised value is the value estimate given to a property by a licensed property appraiser using accepted appraisal methods for the type of property being appraised. For example, the accepted appraisal method to accurately estimate the fair market value for an owner-occupied single-family house is the comparison sales method where a property's value is based on the recent sale of comparable properties within the same area.

The Three Common Methods Used to Estimate Property Values

The three most common methods used by property appraisers to estimate property values are the:

1. Comparison Sales Method: The comparison sales method bases a property's value on the recent sale prices of properties that are within the same area and comparable in size, quality, amenities and features.

2. Income Method: The income method is used to estimate the value of an income producing property based on the net income the property produces.

3. Replacement Cost Method: The replacement cost method is based on what it would cost to replace the improvements on property using similar construction materials and construction methods.

The Comparison Sales Method of Estimating a Property's Value

The comparison sales method of estimating a property's value is based on the recent sale prices of properties within the same area that are comparable in size, amenities and features. In order to be accurate, sale price adjustments must be made for comparable properties that have been sold at unrealistically low prices or on overly favorable financial terms not readily available to the buying public.

The Income Method of Estimating a Property's Value

The income method is used to estimate the value of an income producing property based on the net income the property produces. Under the income method value is calculated using a:

1. Capitalization Rate. The capitalization rate, or cap rate, is calculated by dividing a property's annual net operating income by its purchase price.

2. Gross Rent Multiplier. The gross rent multiplier, or GRM, is calculated by dividing the purchase price by the property's monthly gross operating income.

Watch Out for Owners Using Fuzzy Math

A word to the wise: when you read a property's income and expense statement, you should always go under the assumption that the owner is probably practicing fuzzy math by fudging on the numbers, and telling little white lies to back them up. Also, use a monthly income and expense analysis worksheet like the sample copy below, to cross-check everything that's listed on a property's income and expense statement in order to reconcile the statement with receipts and tax returns against what's shown on:

1. Schedule E (Supplemental Income and Loss) of the owner's latest federal income tax return.

2. The property's latest annual tax assessment income and expense statement on file at the county property appraiser or assessor's office.

3. All of the rental agreements for the past year.

4. Water, sewage, solid waste, gas and electric bills for the past year.

5. Repair and capital improvement bills for the past year.

The Replacement Cost Method of Estimating a Property's Value

The replacement cost method of estimating a property's value is based on the cost of replacing the improvements on the property minus the cost of the land to estimate a property's value. Replacement costs are calculated on a per square foot basis by dividing the total number of square feet in the building by the per square foot construction cost. For example, a two thousand square foot convenience store that cost $375,000 to build would have a replacement cost of $187.50 per square foot, $375,000 divided by 2000.

Sunday, 2 June 2013



After an exhausting 18hour flight, with 2 stopovers (never again!) we finally arrived in Phuket at 11.30pm. We met Meera at the airport and took a taxi to our hotel - Jinta Andaman, and then completely knocked out. The manager, Chep is really nice and soo helpful, and the place is clean and comfortable!
We went elephant trekking on our first day, which was really fun! Later in the day we went
to Karon Beach to see the sunset.On the second day (16/4/11) we travelled to Koh Phangan for the Full moon party stayed there and then returned to phuket on 20th April. We stayed at the Jinta Andaman hotel
again.The journey back from Koh Phangan to Phuket lasted 15 hours!! Back in Phuket we decided to do some sightseeing. We went to see the Big Buddha which is 45m high and situated at the top of a large hill. (In thailand, their Buddha statures tend to be really big)We then went to see the Wat chalong temple, although we got there after the sunset so we couldn't really see it all too well.Ok, so i'm sure you have figured out by now that i'm not much of a writer (lol), so for more information you can just read meera's blog (meerastravels.blogspot.com). I'm just too lazy to write up stuff, so you will just get a basic idea of what we do. :)
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We went on a day trip to Phi Phi island. The tour also consisted of seeing a few other islands including Maya Bay (where "The beach" movie was filmed) which was amazing..the sand was soo white and soft!
Then we went to a few other islands, which i can't remember the names of lol.
I wasn't actually feeling too well during this trip, especially whilst we were at Maya Bay, so I didn't really get to enjoy it all too much. (i think it was sea sickness)Later on we went snorkelling at Khai island, which was scary at first but then i got the hang of it. It was pretty amazing, I saw many fishes including "nemo" fishes.

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Monday, 20 May 2013

Real Estate Contracts

Real estate contracts are created to focus on the legally binding aspects of the real estate transaction. The good news is real estate contracts come pre-printed for your use.

Real Estate Contracts

Many people are confused by real estate forms versus real estate contracts. The term real estate forms cover a wide variety of things including real estate contracts. In addition to contracts, however, forms also include everything from escrow instructions to walk through checklists. 

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With real estate contracts, a buyer and seller are getting to the heart of the matter. A contract is a binding agreement where each party agrees to provide consideration for the other party doing something. In the case of the buyer, he or she agrees to pay money on a specified date in exchange for the title to the property in question. As you might guess, the seller agrees to transfer title upon receipt of said funds. This is how real estate contracts work when boiled down to their basic function.

Real estate contracts also cover more than the basic funds and title transfer. The contract should include representations from the seller that they are transferring "good title" to the property, to wit, they actually own the property and no outstanding debts are recorded against it such as lawsuits. Other conditions that can arise include things such the transaction being conditioned upon the buyer obtaining financing, the completion of a home inspection, certain assets being left with the property such as furniture and the deposit of an earnest money deposit by the buyer to show he or she is serious.

As you know, owning real estate is part of the American Dream. One characteristic of this dream is the fact that people have been buying and selling real estate for hundreds of years. Given this history, it is not particularly surprising that real estate contracts have evolved into pre-printed forms. In fact, these are the very forms being used by real estate agents! 

In most situations, you can go ahead and use pre-printed real estate contracts without any problem. If there is something out of the norm with what you are buying or selling, however, you may want to use a real estate lawyer to handle the transaction. Obviously, that is going to cost a bit more!
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The decision to buy a home is often dependent upon the first impression of the buyer. Staging a home for sale is one way to make sure that first impression is a great one.
Staging a Home for Sale

Imagine you have always wanted to work in a particular job for a particular company. After years of education, you have finally received an interview for the position. How are you going to present yourself at the interview? Are you going to wear jeans? A t-shirt? Of course, not. You are going to get out your best professional outfit, go get a haircut and so on. Why? You want to make the best first impression available.

Selling a home is no different that going for a job interview or a first date. You must spiff up your home so it makes a great impression on potential buyers. For many buyers, the decision to purchase a home is an emotional one. Recognizing this fact, you want to make it love at first site. This issue is so important that an entire industry has evolved to help you do so.
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The home staging industry is exactly what it sounds like. A person comes in and reviews your home from an objective perspective. They will then reorganize the home to make it more buyer friendly. They often will ask you to leave before doing this so they can get the job done without objections.

You must let a home staging professional do their job. They are going to help sell your home. They will organize the home in a manner that facilitates this. You, on the other hand, have organized the home in a manner that makes it livable for you. The two goals are very different and you must realize as much.

Once you make the decision to sell a home, your personal tastes are no longer relevant. You will suffer less if you can come to grips with the fact the home is emotionally no longer yours the moment you decide to sell, not when escrow closes. From the moment you make that decision, the property is no longer where you live. It is an asset to be sold for as much money as possible and as fast as possible. You must learn to let go.
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Home staging is a relatively knew professional service. If it is available in your area, you would be wise to give it a try.


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Condominiums are traditionally the most volatile of real estate investments. Ask anyone who bought condos in the 1970s or 1980s (or in 2005-2007) and they’ll show you the financial scars on their backs.

Condos have made a strong comeback in recent years because of the popularity of purchasing second homes, particularly in resort areas. Whether this trend will continue is uncertain, but keep in mind that condos are generally a tougher sell in most areas than single-family homes. And because condominiums involve a homeowner’s association, you’ll have to deal with management issues, rules, and costs that may be out of your control.

When buying condos consider your prospective tenant or buyer when you resell. Is this priced so high that your pool of buyers is limited? It may be in the median price or below, but how many people live in one-bedroom condos? Is the development so old that the HOA (homeowner’s association) dues are high and will continue to rise as the development ages and needs repairs?
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For the most part, condos tend to fit into two categories – rentable and livable. Cheap condos that rent well often don’t appreciate much in value. You can get away with buying a $50,000 condo and renting it for $500/month forever. In 20 years, it may barely have appreciated above inflation. A different condo near downtown or the beach may rent for negative cash flow and appreciate 10 – 15% per year. On short, the normal formulas that apply to single-family homes aren’t as consistent with condos, which is why investors need to approach condos with extreme caution.
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Look for Limitations when Buying Condos

Be aware that some homeowners association rules restrict the rental of units, so make sure you check the limitations before you purchase a condo that you plan to rent. Also, many lenders have limitations on financing condos, such as a requirement that a certain percentage of the units be occupied by owners.

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Thursday, 16 May 2013

You've located the property that you are potentially interested in purchasing, have looked at it, and determined that it meets your basic investing goals. Before you pat yourself on the back for a job well done, you need to establish its value to avoid potential financial disaster. If you take the word of the seller or the county tax rolls to establish its value, you could lose your shirt, especially in a real estate market that has seen values drop by tens of thousands of dollars within a matter of months.

Depending upon the kind of investor you are you'll utilize one of the three methods of establishing the value of a property. They are:

Comparable Sales – If you're investing in primarily single-family or multifamily properties with fewer than five units, by far the most popular method of establishing value is the comparable sales method. This method consists of locating recently sold properties that are substantially similar to the one you are considering purchasing and are located in the same general vicinity. A skilled appraiser typically has many years of experience in determining value, but you can do the same thing either by going to your county courthouse and compiling the information yourself or by working with a realtor who might be willing to provide these figures to you. You can also get a rough estimate of values in many areas by utilizing an on-line resource such as Zillow.com. Once you have your comparable sales figures you’ll need to compensate for any differences, such as the lack of a garage, fireplace, or even a swimming pool. In order to compensate for the differences in square footage of your subject properties, you can divide the sales prices by the square footage of living space to come up with a cost per square foot.
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Replacement Cost – While not nearly as popular as the Comparable Sales method, another way of determining the value of a property is by estimating what it would cost to re-create the same property in the same area. You would need to determine building costs, the cost of materials, and also make allowances for depreciation of the property so that it is substantially similar to the property you are considering purchasing. If you're experienced at estimating building costs accurately and are aware of the current cost of building materials and supplies, the replacement cost method may be one which you will want to utilize. However, it isn't utilized very frequently. If the Replacement Cost method is one that you'd like to use to determine value, you could very quickly arrive at a figure by contacting a local contractor and asking them how much they would charge you by the square foot to build a home in the area of your subject property. Don’t forget to factor in depreciation to match the condition of your subject property.

Income Valuation Method – The third method of determining the value of a property is to use the Income Valuation Method, sometimes referred to as the Net Income Approach. This method is used to determine the market value of a commercial property or a residential property with more than five units. It’s a relatively simple process. First, determine what the gross income is for the property and then subtract all expenses, including debt service on an annualized basis. Multiply that figure by a factor of ten. The resulting number is about what your property is worth. What’s nice about this sort of property is you can increase its value simply by increasing its net income, reducing operating expenses, or both.

Once you’re able to determine the value of a property you can write an intelligent offer that doesn’t cause you to run the risk of overpaying for a property. Remember, though, that real estate prices are extremely volatile right now, so make sure any properties you use for comparative purposes are recent sales figures. If you have accurate numbers, you can write impactful, precise bids that stand a greater chance of being accepted and allowing you to turn average returns into explosive profits.