MARGProperTies Blog

 

The other day I read flash news that an elderly couple were brutally murdered in their home, cold blooded. Times have changed and thugs have become merciless. In metro cities where both the parents work to meet their ends, it is Showtime for thugs and thieves.

Tech smart home makes you safe and you can keep an eye on your house from the your mobile. That is what we call the real deal for us. But how far would you go make a deal and how tech smart are you?

Tech smart gadgets

Gas leak detector:

Probably the most important device any home should have is, gas leak detector. It simply measures the ignitable gas leak and cries loud for your attention.

Light sensors:

The moment you walk into your bathroom, light switches on and stepping out of your bathroom switches off the light. This is pretty much nice to have. light sensor wash basin mirrors work can be installed to it more effective.

Power trackers:

You have a high tech car which talks to you about the tire pressure, petrol depth and checks your engine for oil. Power trackers exactly do the same for your home. They monitor the temperature of your home and appliance. It finds out excess energy consumption and tells you to optimize. Power tracker basically reduces the power consumed and that can mean a lot today.

Computerized thermostat:

Get ready to take a shower and switch on the AC before you get to your home. These thermostats with chips will set the all things good for you. It will get also get cut off at the predetermined temperature you set.

Burglar alarm:

We may have ignored this one; but this one as important as any other gadget. The central control panel gets activated when someone break into the house through the main door and windows. Motion sensors are more advanced features to detect even when a pin drops in your bedroom or hall.

CCTV connected to your mobile phone:

Many tech companies have come with remote viewing solutions. You can sit in your office and take a good look at your home or you can watch your baby sitter managing your kids

 Video door phone: 

Better to know who is ringing the door bell before you open it. Ranges of products are available in the market. But don’t compromise on the quality and get a quality burglar alarm.

These are some of the basic tech smart feature which one can install. Technology has affected and become a part of our life so much that gadgets have flooded the market and each day there is something better than the previous. Life is made easy for office goers.

Do you know any other tech smart feature share with us; drop you commments

 

ITS TRUE

The moment I read this news, I told to myself; it is another bollywood gimmicks. But it came out to be rather true. A die hard fan from Australia buys a piece of land in moon for SRK and gifts him every birthday. Oh! That is so sweet; not as sweet as the new Bourneville ad when the lady gets gobbled by the rather ugly plant for being very sweet.

I am still trying to finding my feet here. Buying a land in moon and maybe setting a house and rearing my grandchildren. That is kind of weird. But the question is? Can it be done and a family in Secundarabad has same idea. They have bought a land in moon and hoping to fly to moon. According to Rajiv Bagre, he has registered a 5 acre land in his name. He paid Rs 1400 an acre.

 

Who owns the moooon?

The point is; is it a scam or is it for real? No one holds a right to own a land in moon. There are international treatises which talk about usage of outer space and it is bit complicated. But use all the equations and algorithm and to my surprise no one country owns the moon. Read below

Taken from united space office for outer space affairs

Treaty on Principles Governing the Activities of States in the Exploration and Use of Outer Space, including the Moon and Other Celestial Bodies

The Outer Space Treaty was considered by the Legal Subcommittee in 1966 and agreement was reached in the General Assembly in the same year ( resolution 2222 (XXI). The Treaty was largely based on the Declaration of Legal Principles Governing the Activities of States in the Exploration and Use of Outer Space, which had been adopted by the General Assembly in its resolution 1962 (XVIII) in 1963, but added a few new provisions. The Treaty was opened for signature by the three depository Governments (the Russian Federation, the United Kingdom and the United States of America) in January 1967, and it entered into force in October 1967. The Outer Space Treaty provides the basic framework on international space law, including the following principles:

 

the exploration and use of outer space shall be carried out for the benefit and in the interests of all countries and shall be the province of all mankind;
outer space shall be free for exploration and use by all States;
outer space is not subject to national appropriation by claim of sovereignty, by means of use or occupation, or by any other means;
States shall not place nuclear weapons or other weapons of mass destruction in orbit or on celestial bodies or station them in outer space in any other manner;
the Moon and other celestial bodies shall be used exclusively for peaceful purposes;
astronauts shall be regarded as the envoys of mankind;
States shall be responsible for national space activities whether carried out by governmental or non-governmental entities;
States shall be liable for damage caused by their space objects; and
States shall avoid harmful contamination of space and celestial bodies.
To buy a land, contact these companies

Companies like Moon Estate ,Lunar Land and Lunar Registry have minted money by selling lands in moon and just like the any other real-estate market there are hot spots in moon which are in real demand and fetch higher prices.

Sea of Tranquility is number one in the list. Are the moon buyers some sort visionaries who can see things in the magic ball? Are they venture capitalist who for sure knows what they are doing? But for me this is really going beyond the possibility of reasoning and then they keep telling me hey! Keep calm! This will bear fruit; who knows!

 

Drop your comments I am going nuts

 

 

 

 

 

http://timesofindia.indiatimes.com/city/chennai/Watch-what-you-drink-Could-be-cupful-of-germs/articleshow/20566041.cms

Whether you live in the nerve centre of Chennai or in a locality on the outskirts, chances are you receive drinking watercontaminated with sewage.

Sewage seeps from the city’s old and battered drain network into drinking water lines in several parts of the city, especially older areas like Perambur and Kolathur, but civic agencies either lack the wherewithal to solve the problem or simply couldn’t care less. When they do take action, Chennai Metropolitan Water Supply and Sewerage Board (Metrowater) and Corporation of Chennai work at cross purposes, one undoing what the other does.

Residents say even lodging a complaint with Metrowater is a hassle. When officials are apprised of contamination, they are reluctant to take action. When they do find a solution, things return to square one within no time. Part of the problem is admittedly its size: Localities within the former limits of the corporation have a drainage network that was laid more than 50 years ago. Several areas require lines to be completely relaid, others need to be cleaned regularly. Most areas agglomerated in 2011 are not part of the drainage network.

Residents say Metrowater is clearly giving its responsibilities the go-by. “Whenever water pressure goes down, sewage enters water pipes,” said Lokabi Raman, a resident of Perambur. “Despite having a water connection, we are completely dependent on canned water.” People in Kolathur say the locality has been completely neglected by the authorities. Residents say they did not receive potable water for more than 20 days in May. Meanwhile, in T Nagar, residents are fighting a battle against blocked sewage lines. “Every alternate month, the lines get blocked and the sewage overflows and mixes with borewell water. Metrowater has failed to find a solution despite repeated complaints,” said Shanti Naik, a resident.

Builders in Chennai also face the same problem. it is very difficult to get a good sewage system.

 

You phone call, text message and face book account is being tapped while you just relax and have a private conversation with your friends and family in your bedroom. The whistle-blower from the National security agency who worked as a contractor and IT administrator has revealed it all.

This is just when we thought that US stands tall holding a flag of liberty and privacy. Say it again and you are wrong. The information collected runs in billions, and includes phone records and details from Facebook and Google account. The point is face book and Google is sitting on mountain of data and sharing it with the US government is not a big deal, but these corporations have denied the participation in PROJECT PRISM which does exactly the same.

We are living in age where data is shared and punching every word in the keyboard will make you vulnerable and impossible for the even the computer geek to keep a track of your private information when you share it on the net. You never know, a guy in US may send your girlfriend an e-card and funny you tube video as a birthday present before you do.

When I read the news, the Hollywood blockbuster movie” Enemy of the States” distinctly rolled in my mind. This is exactly the situation portrayed in the movie. Will smith loses everything in his life and he is torn apart. Every bit of information he shares is tracked and tapped making his life a living hell.

The Guardian reported that in March this year, the NSA recorded 6.3 billion pieces of intelligence from computer networks in India, placing it fifth on the list of most extensively monitored countries. National security agencies the secretive organisation which spies on both US and Non US citizens has data mining tool called boundless informant which collects information from all parts of the world.

That is a bad news for everyone. In the near future the NSA will up the ante and may look deep in our private life.

US Snooping is making me feel rather helpless here!

 

 

 

 

Pick up news paper or search the news on the net, you will bend your mind and ask; what the hell does bank rate, CRR, SLR means? and why on earth I should be bothered about it; man, this stuff is not for me, but for the financial nerd who loves tongue twisters. Think again mate, these terms surely will burn your pocket or let me rephrase it, it surely affects the money you save.

The main function of a RBI is controlling the inflation by controlling the money flow in the economy and in layman term, the money with the public. As the prices are shooting up and making the life worse for us, RBI enter likes a dragon and tries to control the situation with its fiery measures.

The two methods used are:

Quantitative methods and qualitative methods

Lets us start with quantitative methods

Bank Rate:

It is the favorite servant for RBI. Simply put, it is rate at which RBI provides loan for the commercial banks. Now let us say that the money supply is very fluid in the economy and everyone wants to buy a house. The demand increases and then inflation shoot ups. The RBI will increase the banks rate and makes difficult for the banks to get loan from RBI. In turn commercial banks make the interest rate on loan heavy and control the flow of money

Cash Reserve Ratio:

Another servant of the RBI which is frequently used to check the flow of money. Every bank should deposit a certain amount with the RBI. Let us say that bank has 100 Rs with it, and if the cash reserve ratio is 6% then bank has to give the RBI 6 Rs and rest of the 94 Rs it can use for operations. So when the money flow is very high which may lead to inflation, then CRR is increased making the money dear for the bank and lending to the public become bit difficult

Statutory liquid ratio:

Every bank has to maintain minimum portion of their asset in the form of cash, gold and approved securities at the close of the daily business operation.RBI uses this instrument to keep a check on the money supply. As the ratio increases then, it becomes difficult to pump money into the economy

 Repo rate and reverse repo rate:

Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks against securities. When the repo rate increases borrowing from RBI becomes more expensive.  Therefore, we can say that in case, RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate; similarly, if it wants to make it cheaper for banks to borrow money, it reduces the repo rate

Reverse Repo Rate

Reverse Repo rate is the rate at which banks park their short-term excess liquidity with the RBI.  The banks use this tool when they feel that they are stuck with excess funds and are not able to invest anywhere for reasonable returns.     An increase in the reverse repo rate means that the RBI is ready to borrow money from the banks at a higher rate of interest. As a result, banks would prefer to keep more and more surplus funds with RBI

 

QUALITATIVE METHODS:

Moral suasion:

It means making request and persuading the banks to refrain from providing loans to speculative and non essential purpose. RBI sends feeders to the commercial banks to get their cooperation to control inflation and other purpose. It is a sweet way to doing things, isn’t?

Margin requirements or Credit Rationing:

Banks provide loans against security. Let us take an example. The value of the security is Rs 15000 and bank provides loan for Rs 12000. This is called margin requirements. The RBI has the power to increase the margin requirements and loan available is just Rs 10000 now, increasing the margin amount to Rs 5000. This is mainly done to discourage speculative trading and reduce the money flow to this area.

Consumer credit control:

There is great demand for consumer durable s like TV, fridge, AC, washing machine which tends to pull the price up. So when the inflation is high then RBI increases the down payment and reduces the number of installment making it costly for the consumers. This discourages the consumer going in frenzy mode of shopping.

Direct action:

When any commercial banks does not give a damn about the central bank that is the RBI, then RBI puts the stick into action.

It puts a penalizing interest above the normal rate of interest upon the defaulting bank

It refuses to discount bills of exchange for banks which do not follow normal banking operation

So the next time you come across these words in the internet or the newspaper, take a deeper look into the news and understand what RBI is going to do, to keep a check on the inflation

 

Happy Shopping and careful spending !!