Thursday 24 November 2016

[www.keralites.net] I Just Wanted to Send You a Warm and Inviting Hug

 
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Posted by: Cool Kis <cooolkis@gmail.com>
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[www.keralites.net] Real Estate will boom again!

 

Real Estate will boom again!

Please read: The reasons why?

 

(Kindly spend 2 mins to read the below statements)

Last few days there has been a surge of messages from "Whatsapp Economists" with the simple theme that real estate prices will fall drastically due to Demonetisation, ie ban on Rs 500/Rs 1000 notes.

Here's a few Point Summary of what actual experts with business and economic logic say.

1. Demonetisation will flood the Banking system with funds driving down both interest rates on Deposits and Loans

2. If Interest rate on FD is just 5-6 % interest on Home Loans will come down to 7-8 % (since Banks keep an 2-3 per cent margin).

3. Historically at such Low interest rates Real Estate industry gets a massive boost as property becomes attractive to everyone: Buyers, Investors and even that invisible category called Businessmen/Professionals.

4. Even when prices are same, Apartments come within reach of Buyers due to lower EMI on Loans due to lower interest rate

5. Investors find Investing in property more attractive than earning a paltry 5-6 % on Bank Deposit as simply buying and renting out gives them more return. PLUS they create an asset and earn appreciation over a period of time PLUS they get income tax deductions

6. Shopkeepers, Retail Malls, Corporate Houses and even professionals like Doctors, Consultants, CAs jump in to buy property as they want preferred location and once that's gone they may never get that chance again. So, they buy at the first available opportunity instead of waiting for prices to fall.

7. Demonetisation will see the most money flowing in banking system from people in the unorganized / small scale sector: Farmers, Traders, Tailors, Hoteliers, Beauty shop owners, Tuition classes, small contractors, House Maids, Drivers, Security Guards etc. Crores of new people entering Banking system means that they will also be eligible to get bank loans and fulfil their dream of owning a house

8. Government will have money to invest in infrastructure as Banks will deploy lakhs of crores in Government Securities. With a few lakh crore at its disposal, Government can only boost funding to infrastructure schemes such as Smart City Mission, Swacch Bharat Mission, Housing for All etc which will in turn boost real estate too and make foreign investors invest in a fast developing country.

9. New Airport in town, better connectivity to National/State Highway,

Up-gradation in City Transport all lead to increase in demand and prices of properties in the city's

10. It is interesting to note that real estate prices show slower rise in countries which have a fully ready infrastructure like USA, UK, Japan etc. Whereas in a developing countries like India, there is a vast difference in prices in a City before and after creation of Infrastructure

Conclusion:

In the final analysis, recent developments such as passing of Real Estate Regulation Act, Demonetisation, Goods and Service Tax etc combined with Government focus on infrastructure will only serve as positive factors for growth of Real Estate industry

Factors of Real Estate Industry which get missed due to one-sided picture created by social media:

1. Real Estate Industry contributed 7 % to India's GDP.

2. Second Highest employer after Agriculture.

3. Real Estate Industry supports more than 140 allied industries from large ones such as Steel, Cement and Transport to cottage ones such as bamboo and rope making.

4. Real Estate Industry caters to the basic need of Shelter for every citizen.

5. As per Government of India, more than 90 per cent of demand for Real Estate Is in affordable and mid range category.

6. In era of mechanisation and automation, Real Estate is the only Industry which still continues to provide regular employment to millions of daily wage earners.

7. One of the only Industries which contributes large share of taxes at all levels of Government: Local Government, ie Municipal Corporations etc (Building permission charges), State Government (VAT and Stamp Duty), Central Government (Service Tax and Income Tax).

8. Investments such as equity shares, Commodities like Gold, Silver, Mutual Fund etc have seen large ups and downs. Real Estate is the only asset class which has given stable and constant one way growth over last
several decades.

9. Real Estate has both value in use and value as investment.

10. Real Estate investment is the best investment from a very long term angle as taxation happens only on sale and in case of reinvestment 100 % tax can be saved.

11. With Indian economy becoming increasingly urbanized, it is expected that more than 50 % of India's population will live in cities by next decade. This massive change in demographic and economic profile of the country will give big boost to real estate over.

 

 


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Posted by: Cool Kis <cooolkis@gmail.com>
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[www.keralites.net] Keep Music with You!

 

Keep Music with You!

Music can minister to minds diseased, pluck from the memory a rooted sorrow, raze out the written troubles of the brain, and with its sweet oblivious antidote, cleanse the full bosom of all perilous stuff that weighs upon the heart. # William Shakespeare

Listening to music heightens positive emotion and stimulate brain hormones that can make us feel good. Listening to music also lights up all areas of the brain—suggesting more widespread effects and potential uses for music.

Music has role in healing and cultural rituals, helping patients during post-surgery recovery or improving outcomes for any serious diseases. In some cases, music's positive impacts on health have been more powerful than medication.

Here are ways that music impacts our health and wellbeing.

Music reduces stress and anxiety
Music can prevent anxiety-induced increases in heart rate and systolic blood pressure, and decrease cortisol levels—all biological markers of stress. the stress reducing effects of music is more powerful than the effect of an orally-administered anxiolytic drug. The parental singing had the greatest impact on child and also reduced the stress of the parents who sang. Music has significant pain reduction and fewer depressive symptoms.
Person exposed to the soothing music had significantly greater increases in immunity. Music enjoyment elicits dopamine release, and dopamine release has been tied to motivation, which in turn is implicated in learning and memory.

The participants who listened to motivational music also said they felt better during their work out than other. When exercisers listened to music with a beat that was faster and synchronous with their movement, their bodies used up oxygen more efficiently.

"Music has the capacity to capture attention, lift spirits, generate emotion, change or regulate mood, evoke memories, increase work output, reduce inhibitions, and encourage rhythmic movement – all of which have potential applications in daily routine life."

DO KEEP MUSIC IN YOUR DAILY ROUTINE THIS WILL HAVE FAR BETTER LIVING.

 

 


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Posted by: Cool Kis <cooolkis@gmail.com>
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[www.keralites.net] These Foods Help to Cleanse Arteries For Optimum Health

 

More people die of heart disease than any other cause of death. A lot of these deaths are caused by what they're putting on their plates. This is because certain foods lead to plaque buildup in the arteries, blocking blood flow and increasing your chance for a heart attack, aneurysm or stroke. However, certain foods are actually artery-friendly and can prevent plaque from forming and causing blockage. Here are a few of them:

foods

foods

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Posted by: Cool Kis <cooolkis@gmail.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (1)

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[www.keralites.net] Imagine Jet-Setting the Globe in a Swanky Private Plane!

 

When it comes to luxury private jets these days, Gulfstream lead the way big time. Their latest offering, the G500 has come in a whole year ahead of schedule, and is probably the single biggest reason why the company has a $11.5 billion backlog of orders on their books.

 

Though the jet is actually capable of carrying 19 passengers when the need arises.

 

 


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Posted by: Cool Kis <cooolkis@gmail.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (1)

Have you tried the highest rated email app?
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