Right Property Investments After Demonetization

As the short-term effects of demonetization continue to play out, investors across India have begun contemplating which long-term moves may be the most beneficial to them. A disruptive event is often a great opportunity to rethink fundamentals, and this case is no different. The present moment is an apt time to evaluate and re calibrate one’s portfolio, especially in terms of property ownership.

It is widely expected that banks, newly flush with enormous deposits of rupees, will lower interest rates—which will in turn increase asset prices, including that of real estate. However, not all property markets are created equal. Neither, for that matter, are all property transactions. A solid grasp of the dynamics in play, including the effects of lower interest rates and reduced black money on the different types of property, will enable the savvy investor to profit from demonetization.

In India’s new-economy urban centers, which see a sturdy trend of white-collar, salaried employees purchasing property with cheques and bank loans, the sudden disappearance of 500- and 1000-rupee notes is unlikely to have a huge impact on real estate practices. In Bangalore, for example, it is estimated that only 5% of transactions for apartments in the mid-range segment of the market involve cash dealings. This is at enormous variance to more traditional cities (such as Mumbai and Delhi) or in the higher end segment of the market (properties exceeding one crore), where cash has passed from one hand to another far more freely. The implication for investors is that cities with a higher rate of new economy jobs are more stable and attractive, especially in the case of mid-range properties. Bangalore, with its size-able proportion of salaried professionals and mortgage-purchased properties, is the strongest example of such a city, followed by Pune and, to a lesser extent, Chennai. For assets with these favorable locations and price points, investors need not fret about demonetization softening demand—rather, they can expect reduced interest rates to boost demand.

With land transactions, the dynamics are somewhat different. There are scenarios in which land prices will rise and others in which they will fall. Vast parcels of land in and around major urban areas are typically purchased either by developers or by individuals with the deepest of pockets. For buyers accustomed to institutional financing—primarily the more reputable developers—the effect should be minimal; however, other parties, such as individuals with deep pockets who used to deploy cash, will be adversely affected and may temporarily have to sit on the sidelines. Thus, the demonetization is likely to benefit large developers vis-à-vis individual investors or smaller developers. In tier 2 or smaller cities, where there are few purchasers with access to institutional financing, demonetization could reduce property prices since all purchasers are likely to be affected.

Increased taxes and anchoring will add to the dynamic mix of factors affecting real estate after demonetization. The reduction in black money is, in effect, equivalent to an increase in the tax rates since the “tax-free” portion of transactions could diminish. As with any other industry, an increase in tax will work to increase the final price to the end user because sellers are anchored in the after-tax realization that they want. This increase in costs will be passed on to the final buyer in the form of higher property prices, particularly in the markets where demand is not affected by the demonetization.

The consequences of demonetization will create winners and losers in the real estate sector, depending on the property type, location, and price point. Investors should ideally park their money in mid-priced properties in the urban centers of India with the highest percentage of white-collar and new economy buyers. Conversely, investors should avoid properties that may not fare as well: properties in tier 2 cities, assets with high prices, and properties in the more traditional urban centers.

As demonetization creates a new normal in India, those who focus their property investments toward new-economy professionals can expect to come out as winners.

 

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New version of Deodorant: Cinthol Deo Stick!

L’emme go a little swanky via this post, post using the newly introduced “Revolutionary Cinthol Deo stick for Women”.

I just passed by my nearest retail shop nearly a month & half before & had a look at the shelf saying “Deo Sacrifice” which did entice me to have a look, use the product & pen it down. The best part which instantly hit me was the tagged price of just Rs69, which got it space into my purse directly.

Curious enough the first thing I did was going Online, searching of Cinthol Deo stick for Women & took the glance of the ad film modelled by Creativeland Asia. Just as curious the Retail Shoppe made me, so did the ad film made me somewhat amused…By breaking the barriers of Spray based deodorant, Cinthol “Sacrificed” highlighting the newspaper’s first pageJ . And the reason was, to become “Messiah” & cater to the needs of masses… Yes it is innovative indeed- the deo stick !

Now coming to the actual product:

It is a cream based deodorant, which simply asks one to squeeze modest amount of cream out of the tube & spread it across the body…its use after bath made its effect stronger & the fragrance remained thrice more than rest of the deodorants. It has a much better & long lasting fragrance compared and the best part, no stain on clothes; it is also gentle on skin & yes a small stick easily fitting in the pocket, so just carry & enjoy the fragrance.

One can also opt from the available fragrance choices -3 for Women & 3 for Men!

Have a look at one of the variants available:

OZiva protein & Herbs – Indian Women’s Magic Masala!

Professional.. Home maker…Mother…Wife… Always in a fray to cook the loved dishes for Family & kids! Spare time is for Kids ! Then where is “Me time”? The time to take care of your health ,to do things you enjoy ,I’m sure this would be the story of 80-90% Indian women hidden under the responsibility of work & home being taken care of happily.

While this spirit definitely needs to be saluted but then we ourselves need to be strong enough to take care of our family’s happily & be the idol fitness role model. This very well demands special attention on the food we intake & the nutrition we get out of it!

Let me just throw light on a survey – “Protein consumption in the diets of adult Indians, conducted by IMRB ,which stated that :

    • The Protein Consumption in the Diet of Adult Indians Survey, a multi-city survey, which was conducted by IM70% of Indian women are deficient in protein intake
    • 9 out of 10 Indians consumed less than the required quantity of proteins daily
    • 91% 9191mdlsjdksjfkdhf91% vegetarians & 85% Non vegetarians were deficient
    • 80% 80o88jkj80% of 80% Indian diets are Protein deficient

Why are we debating on Protein intake? 

Most of our diets in India are heavily bent towards the carbohydrates, thus creating a big dent on the daily protein intake. Proteins are the basic building blocks for strengthening muscles, building immunity, to overcome fatigue, healthy hair & nails.

Its deficiency leads to weakness, fatigue ,hair fall, slow processing of signals by brain ,higher fat% & that is the start of disease-prone body.

Yet in India people have the notion that Protein intake is more important for people with extra physical exercise as in bodybuilders ,sports players but they fail to understand that an average person’s need is 1gm/Kg of the bodyweight that too daily.

While in today’s scenario & especially for Vegetarians, food with proteins are very limited – Milk ,Green vegetables ,pulses (While the actual benefit of nutrition content in today’s packed milk & green veggies full of pesticides is uncertain ,so the options are very less to cover up the deficiency).

Further the lifestyle has led to most of looking out for some “Magic Masala” that would help us re-gain the fitness & ensure that our body gets the desired nutrients.

That is when I came across OZiva.

Most of the protein supplements available in the retail stores have very less protein content – less than 10gms per scoop. OZiva Protein & Herbs provides almost 3 times the amount of protein when compared – making it far more convenient to meet the daily protein requirement.

oziva3

Sharing what I found about them from their website –

At OZIVA we aim at solving the basic challenge faced by many people – the lack of nutrition. We have worked with nutritionists and researchers to develop the perfect, nutrition-rich products ranging from well-rounded meal replacements to high protein blends, to help tackle the problems like irregular meal timings, faulty food choices, to combat the stress of a fast-paced life among other problems that are now a part of everyone’s life.”

Our ayurvedic herbs and nutrient components are selected with care maintaining highest quality, thus eliminating the risk of adulteration and alteration of the total nutritional value.

oziva

So whats so special about OZiva Protein & Herbs ?

  1. Wholesome Protein Rich Breakfast Shake – It is easily one of the healthy and wholesome protein rich food option that one can have for breakfast. It gives more than 30 gm of protein per scoop when taken with milk.
  2. Blended with Ayurvedic Herbs Specially for Women – The protein is enriched with an ayurvedic herbal blend that is something to watch out for! With the choicest herbs specific to women, ranging from Shatavari (for hormonal balance and vitality), Tulsi (for its purification properties: boosts hair health and even, clear skin tone), and Green Tea Extract (powerhouse of antioxidants to help you burn all that extra flab!) and not only that, but also the goodness of Omega 3 (traced from plant sources to suit vegetarian and jain preferences), this product stands as an impressive choice for everyone .
  3. It’s Yummy – With its easy mixing ability and delicious chocolate flavour, it can be easily blended with absolutely anything- be it, dark chocolate or oats or fruits or even nuts. The result is deliciously indulgent yet healthy shake.
  4. Time saving: Jus 5mins & it’s ready! Perfect on-the-go option when one is running short on time and needs a quick fix for a healthy meal!
  5. Low in Sugar – Most importantly, Protein & Herbs shake is low in sugar and yet tastes amazing! If you are trying to watch out your fat% and food habits, this shake will help you be on the right health track.
  6. Free Diet Consultation – The diet consultation is absolutely free with the product.oziva2

Why not read more about the product @ OZiva website (Click Here) or Amazon or speak to their nutritionist at 9769298556.

It’s a sincere option to take us to a better life with more fun & zeal for life!

Do try out free diet consultation & get to know the importance of nutrition!

Your health ,your life ,matters to loved ones! Give them this gift for happiness!

All of Reliance JIO surge

SO the BIG Brother has retuned back ! The plans to shake the telecom industry has banged millions of doors!! Digital India , 4G LTE ,Data revolution ,PM endorsing JIO, FREE VOICE Calls ,”BIG CAT -DOG” fights amongst the industry ..

What the hell is going on from past 10 days, what’s the rampage all about? Chill on!! Here comes a detail beginning of a “form of CASE STUDY” (but in continuation wrt the future of JIO) .

Sneak from the past:

Reliance has always been into most of the money making business, believing in horizontal expansion! It was in Dec 2002 when Reliance Infocomm (by Mukesh Ambani) launched their Pan India CDMA service (22 Circles) in India under the deemed leadership of Late. Dhirubhai Ambani(whose dream of digitization was nurtured but he couldn’t acknowledge the launch due to his demise in July 2002).

Within 6 months of their launch ,a tremor occurred in the name of “Monsoon Hungama”, on July1 ,wherein Instant multimedia mobile phone and connection was being offered for just Rs 501.

This actually created a hungama & it set a record of acquiring over one million customers in just 10 days! (A report from Pune quoted “this scheme continued to draw crowds, even when half –a million people had signed for this scheme in a week .From collegians to riksha wallah’s to carpenters ,all could be seen outside their stores to “Go mobile” , “The 501 HYPE” …See the Frame ,today is the same “THE FREE VOICE & DATA HYPE”:)

Well , post this there was no turning back for Reliance Infocomm ,but the family feud led to the division of Reliance umpire & exit of Mukesh Ambani from telecom , a venture which he had started & revolutionized the industry with cheap tariff & handsets ! But he was forced by the non-compete clause in their agreement (between the brothers) ,which refrained him for this long to re-enter & jolt up the industry & throw a wind of digitization in India. This clause ended in 2010 & then Mukesh Ambani surged back in highly planned manner.

He bought 95% stake in “Infotel broadband” for Rs 4800Cr which won major 4G Broadband spectrum in all 22 circles in 2010 Spectrum auctions , thereby marking his BIG entry back into Telecom!

And ,why not ,with a massive PAT on RIL ,he had enough to invest in a leading technology which had already begun around the world from 2009 (LTE services first launched publicly in Oslo in 2009 & then in 2010/2011 LTE had spread across the world’s leading countries ,along with LTE handsets (Samsung Galaxy Induge 1st LTE Smart Phone in 2011)

Now what this LTE is all about?

Not planning to pen down a “technology purview”, but trying to enable the layman understanding!

There are many types of cellular services, Cellular network/telephony is a radio-based technology wherein radio waves are the electromagnetic waves that antennas propagate.

 Cellular Network/telephony has been described in terms of generations:

0G:Briefcase-size mobile radio telephones

1G: Analog cellular telephony, introduced in 1980’s, with speed upto 2.4Kbps

      • Poor Voice quality ,poor Battery Life ,large phone sizes ,No security

2G: Digital cellular telephony: 2G was coined as GSM ,a European standard deployed in the early 1990’s , avg. data download rate :65kbps

2G GSM can provide services as

      • Voice calls
      • SMS ,MMS ,Picture messages
      • 2G was unable to handle complex Data ,hence evolved 2.5G

2.5G: Technology between 2G & 3G (2G with GPRS) , avg. data download rate : 65-144kbps

      • GPRS – IP-based packet data transmission
      • Users can “simultaneously” make calls and send data (browsing ,audio, video messages)
      • Send Receive E-Mail
      • All text messages are digitally encrypted But again it set a limitation wrt good quality Video’s ,games which resulted in further advancement.

3G: High-speed digital cellular telephony (including video telephony) , avg.data download rate :20Mbps (highly ideal situation)

      • Enables use of Video calls ,GPS ,Mobile television with better bandwidth & increased speed
      • Drawbacks were :
      • Complex infrastructure for 3G ,enhancing the costs
      • High bandwidth requirements

4G: IP-based “anytime, anywhere” voice, data, and multimedia telephony at faster data rates than 3G , data download rate :100Mbps -1Gbps (highly ideal situation)

The basic difference between 3G &4G is just the Data transmission speed, Signal quality.

So now where does this LTE lies ? Commonly marketed as 4G LTE , actually none of the operators across the world have met the set speed of 1Gbps by ITU-R ,since those speeds were unheard off in a practical world with so many parameters into account for irrespective of the money tech cos. had put into.

A rapid increase of mobile data usage and emergence of new applications such as MMOG (Multimedia Online Gaming), mobile TV, Web 2.0, streaming contents had motivated the 3rd Generation Partnership Project (3GPP) to work on the Long-Term Evolution (LTE) on the way towards fourth-generation mobile (True 4G).

Hence the regulator coded the term LTE, a technology that could be labeled as 4G if it provided significant improvement over 3G & as of now LTE is the fastest wireless network available across the world (with data Rate as 100Mbps download & 50Mbps Upload)

LTE stands for Long Term Evolution and it was started as a project in 2004 by telecommunication body known as the Third Generation Partnership Project (3GPP),in short it is next generation of Mobile Broadband technology.

Advantages:

  • It brings up to 50 times performance improvement and much better spectral efficiency to cellular networks ,simple architecture (hence Cost effective)
  • Ideal technology to support high data rates in both downlink & Uplink for the services such as voice over IP (VOIP), streaming multimedia, videoconferencing.
  • Very low Latency : Time required to connect to a network is just 10 milliseconds (don’t fall in for call drops in JIO ,that’s a separate issue)
  • LTE is designed with a scalable carrier bandwidth from 1.4 MHz up to 20 MHz ,which bandwidth is used depends on the frequency band and the amount of spectrum available with a network operator

Packet switching or Circuit switching:

2G /3G technologies used circuit switching in which the connection (call/file transfer) is established directly to the target via the network, which makes it a faster connection.

LTE uses Packet switching with its all IP network, in which the information is broken into small packets which travel through the most efficient path & get transmitted.

Eg. Quoting the difference for understanding:

Circuit switching: Word “Technology” is to be transmitted ,complete word will flow ,in case a node is lost /drops off the connection ,one needs to reconnect .

Packet switching : “Technology” word will be transmitted as say – Tech – No-Lo –Gy ,so if the node drops off here (at Tech end suppose) ,second packet –“No” will search different path & the user may at the end hear : Nology ,but one will not need to re-connect.

Another important point is voice calls in GSM, UMTS and CDMA2000 are circuit switched, so with the adoption of LTE, carriers will have to re-engineer their voice call network, so the approaches are :

  1. VoLTE : Voice over LTE as in Skype or Whats app calls ,but it takes away the Data & prone to less battery life ,RJIO uses VoLTE which perfectly works well with other mobile operators networks.
  2. Circuit-switched fallback (CSFB) : LTE just provides data services, and when a voice call is to be initiated or received, it will fall back to the circuit-switched domain. When using this solution, operators just need to upgrade the MSC .
  3. Simultaneous voice and LTE (SVLTE) : In this approach, the handset works simultaneously in the LTE –Packet switching mode and circuit switched modes, with the LTE mode providing data services and the circuit switched mode providing the voice service. This is a solution solely based on the handset, which does not have special requirements on the network and does not require the deployment of IMS either. The disadvantage of this solution is that the phone can become expensive with high power consumption.

Read more at   https://jhilmilbhansali.wordpress.com/2016/09/13/established-biggies-vs-jio/      for Indian Biggies vs Jio ,Plan & Pricing comparison