Chennai House Rent Boom

Chennai house rent and sale price is hiked from 50% to 100% in the last 10 years. (2004 to 2014) Especially in south madras (Chennai).

India holding the largest middle class population in the world. But its metro cities seem to be not suitable for middle class dwelling. Cost of living in metro cities especially like IT hubs like Bangalore, Hyderabad, and Chennai are going beyond the purchasing power of middle class people. Chennai is slowly pushing the middle class people to out skirts of Chennai. You may be eliminated from Chennai anytime.

In western countries, particularly in American metros, more than 50% of the earning should go towards house rent. Now Chennai is racing with American cities in hiking house rent. Ultimately and as usual middle class people is going to suffer like any thing. They have to seek house in out of Chennai. Either low class or high class alone is going to live in Chennai.

Why this hike? Is there any way things will revert back to normal? After discussing with friends, Real Estate brokers, House owners, and investment consultants I like to figure out few issues.

First I would like to discuss about Housing Loans. Housing loans are thriving to professional especially to IT and medical professionals. Huge loan amount with 40% to 60% of the salary as to EMI for two decades is one of the reasons for hike in house selling price and house rent. If you purchase a house and paying EMI as 60% out of your salary then you will definitely increase your rent to meet out your EMI. EMI is an ‘indirect tax’ you pay to financial institution. Many people avail housing loan because; EMI is tax detectable source (TDS). When Government change EMI paid for housing loan like it is not a Tax Detectable Source (TDS), then house price and rent will be increased further.

Next is IT Boom and outsourcing success. Western and European money (currency) coming to India through software outsourcing. Most of the companies sky scrapping salary to its employees. They have more purchasing power than others. Because of this sectors House rent and price are increased. Moreover, 70% of IT employees are youngsters and not married. They do not have big family commitments. They form a group of 4 to 5, occupy a house and share the rent. Their monthly total income of the group will reach 2 to 3 lakhs(INR). For them rent is not a big issue. Since they are going to share rent, which is not an issue what ever it may be. This group’s paying power is more than a single man earning family. Single man earning family can not afford or what group of bachelors can afford. House owners are increasing the rent because of this high earning cum low committed group of bachelors. These bachelors will suffer by the house rent when they raise their independent family.

These IT boom and housing loan are main reasons for sky scrapping house rent. Soon Chennai may be a city of high earning youngsters (bachelors).

What about single man or couple earning families, especially those who are working in other than IT and medical sectors.

Government is not interfering into Rental boom like in English medium schools and college fee boom. Many house owners are not giving proper bill or receipt for the rent. At least Government should enforce the house owners to pay proper tax for the sky scrapping rental they demand.

Western currency especially American dollar coming to India through IT out sourcing is ultimately and indirectly going to financial institutions both Government and Private, and House owners of Indian metros and Real Estate industry. They will be prospering in the next decades more than other sector people.

Is there any way to bring back to normal or middle class comfort or at least stop it where it is now? Government should introduce a Rent ceiling act to regulate rent. It should collect the tax against the rent originally received.

If nothing happening to stop the sky scrapping rentals, then middle class will suffer like anything. Man kills another man. Civilization kills another civilization. Religion kills another religion. Caste kills another caste. Race kills another race. Now class kills another class: High class will kill middle class. There will be no class barrier after getting rid of other classes and keeping only one alive.

If you belong to middle class or middle income group, you may be eliminated from Chennai or Indian metro cities any time. Even the sky scrapping software salary is smaller than sky scrapping rentals.

Men from India leave their families in their villages or rural head quarters and go to Gulf countries and East Asian countries for earnings. Like that, Men have to come to Chennai or metro cities for earnings without their families.

TV Programs Vs Advertisements.

Today so many satellite TV Channels are thriving. But they are not entertainment media; they are actually an Advertisement media. They are Medium of Advertisements. They show programs in between Advertisement. The marketing race is well exploited by TV medium. The TV Programs loss their charm before the irresistible charm of advertisement. Many advertisements are more attractive than TV Programs.

Many times I feel why are advertisement disturbed by TV Programs. We should have separate channels for TV Programs and Advertisements. What we want to enjoy, we can do it without disturbance and lack of continuity.

Media thinks that public sees advertisement for the sake of seeing TV Programs. We should change their belief. There are two methods. We should not buy the products, which are advertised during TV programs. We should not see the TV programs which are more or less a black mark for beautiful attractive advertisement. Then the media can realise the public interest.

Nowadays advertisements have everything. Even two hours movie cannot inspire the sprit, which can be easily inspired by advertisement. We have to accept it as new form of ART and enjoy it separately.

Job change due to Consultancy

Job changing is also happening due to consultancy screwing. Highly profiting business is head hunting.

When you do not have an intention to change or you like to continue in the current company, you will receive consultancy calls like anything. If you are skilled and potential candidate and you are in booming and growing industry, then you may receive 3 to 5 consultancy calls per day. If your resume is short listed by the client of the consultancy then you are hot.

A female with a charming voice or a male with a highly professional and cordial voice will contact over your mobile phone. They will tell that their Prestigious client has a vacancy which best suit your profile. Prestigious client will pay more than what is your CTC (Cost to Company) and etc. If you listen their pitching and get oscillated slightly, you will be tossed like anything.

When you attend the interview with their prestigious client, you will find which may be smaller than your current company.

If you are in India and in software industry, you will be told that an American or Canadian or Australian or any foreign client is waiting for you to conduct the interview. H/She liked your resume very much. Moreover H/She will be catching the flight by today or tomorrow evening. So you suppose to attend the interview as early as possible, otherwise you will miss a Golden Opportunity.

If you attend the interview in hurry burry (get permission from current office by telling a lie), you will be received by a typical Indian, who is with full of ego and high handed behavior as Interviewer. He will have fleeting glance over your resume. Then he will ask the traditional question, Tell about yourself. Though your resume has important things about you, you have to answer this question.

I do not join the company, who asked the traditional question, which is not any way helpful if you are a technical person. Within a week, the prestigious client of your consultancy will contact you directly. The consultancy will be skipped.

One time, a consultancy call was pitching about a CMM level company. I asked is it possible to get 100% hike from my current CTC. Consultancy said it will discuss with the company. Then they contacted me again and said that salary was not an issue. When I attend the interview that CMM level company, said my current CTC is beyond their budget.

CMM Level and big MNCs are numerous like petty shop or tea shops nowadays.

If you are in dilemma when replying to consultancy in the first call, there are chances you may change the job without your interest.

Changing the company for 10 to 30 percent hike is not good in case you are already settle down in your current company.

Their next strategy is making you attend the interview is, make yourself committed. They snatch the word from your mouth and convey that they have informed and confirmed to their client. So if you fail to attend interview you may have guilty feeling. So you will attend the interview to keep your word.

Consultancy is also one of the reasons for salary hike. They always tell you that you will get more than current CTC. It is very rare you move to another company without change in pay.

Quick job hopping is not good for both you and your employers. If you everything going well, stay in a company for minimum one year and maximum 2 to 3 years. But do not continue for more than 3 years in the same company. This is not good for both you and your employer.

Do not be scapegoat for consultancy enticement. Unless you personally decide to move to another company never listen consultancy pitching. Ignore at the first call.

Consultancy is charging you it is not because you are skilled and qualified. It is because your industry is good. There may be a booming or great demand. It is seller’s market – Employee’s market.

If you industry is not good then you have to chase consultancy. I remember that few years back, I charged consultancies; even I paid to register with them. They will conduct a mock interview too. That time was buyer’s market – employer’s market. Now things changed, main reason is industry is good and growing. Soon you may be paid to attend interviews.

You dodge consultancy or consultancy dodge you, nothing depends on you or consultancy. It is the market decides everything. Your experience, skill, and everything will be counted if your industry is good.

Peerkangai Thuvayal

Please find a very simple Recipe made with Peerkangai.
Many people will not like this vegetable, but if u follow this way of doing, i will assure u will do it again and again.
This could be taken with Rice or Chappathi or Dosa or Idly.

Ingrediants :
1.Peerkanghai – 3 Medium Sized
2.Green Chilly (Pacha Milagai)- 3 Or as Required
3.Garlic Pods (Poondu)- 4-5 Pods
4.Sesame Seeds Powdered (Ellu Powder)- Half Handful
5.Corriander Leaves.
6.Tamarind – 25 Paise Size.

Step 1 : Pour Oil in a pan and heat it.
Step 2 : Put the Green Chillies and Peerkangai Pieces (Peel the Peerkangahai and cut into small Pieces).
Leave it to boil by closing with a lid and also stir it in between. Once it has boiled. Keep it aside for sometime so that it becomes cool.
Step 3: Put Garlic, Tamarind,Ellu Powder (If Powder is not there, please fry the ellu and put it), Corriander Leaves, Salt as required and the above boiled peerkanghai. Grind it all to a fine paste.

The Dish is ready.
The same could be done with other vegetable Surakhai also.
Such vegetables helps in reducing body fat and very good for health.

Request you to rate this recipe in aspects like tase, method of doing, was it explanatory enough to cook.
Thank you.

Good and Bad of Career

Every man in this world must earn for their bread and butter. We should work or do something to meet out our needs. Depending upon the educational or skill set we earn. The modern world called it as ‘Career’. Every one should have a career, whether your pay cheque is for $1 or $100000 or more. You may be a manager at MNC or house keeping staff in a MNC, everything is career.

Our life style has two boundaries. Before starting a career and after starting a career.

Before starting a career we are free birds. Read the books we like, roamed anywhere at anytime. Chatting, laughing with our friends. Day or night has no restriction for our enjoyment. We have lot of games. We play many indoor and outdoor games. No hesitation, no fear. Mind is not obsessed with anything. No need to think about what is next. See all the movies. Watch or enjoy the beauties of girls in our sphere. Lots of bear parties. Those who are interested in particular game or activity, dedicate their whole time for it.

It is a state of consciousness, where your mind is free from time restriction, no fear about failure. Mind is highly energetic. No tension. It is a life with out commitment. You can move, turn, and change any way you like. You have full freedom and power in driving your life.

When the evil hands of career trapped you, first thing you lost is your freedom. You are forced to read book related to improve your career. Second thing you loose your friends. Career throws the friends to different corner of the world. I remember my father searched and meet his village, school, college friends after his retirement. Once you are caught by career you will loose your contacts with your friends slowly.

Then you loose your ownership to your time. Something or somebody will be the owner of your time. Whatever may be your pay cheque, what level of (high profile or low profile) designation you have, the core activity of your career is selling the time. Without selling your time you can not enroll into a career.

Your interest is coffined. Whether you like or do not like you have to do the responsibilities piled on your head. You loose the freedom to say No when you like to say no.

You can choose your friend but you can not choose your colleague, you have to adjust with your colleagues.

Fun and play or games are completely removed from your life. It is very rare to find people who are playing the games which they played in their teen ages or before trapped by career. You do not have time and you do not have teammates to join with you. Everybody is in shortage of time and running on heels for the sake of career. All the pleasures of youth are gone.

Career does not like the free mind. It keeps filling the mind with targets. It will obsess you with the ‘next thing’ to be done. What is next is always hooking your head. The job consciousness is forcibly stuffed in you head. You can not de-stuff it even after your retirement, since you will not have anything to fill other than your career.

Career sees you as a resource. You are a resource to execute some task or to be utilized. You are committed to career.

The tyrant career keeps you as its slave. But look at your children or any dependents you have, especially who are in their pre-career stage. They enjoy their life because of you. You have mortgaged yourself for them. They live to the full spirit like how you lived when your father or guardian surrender to career. You enjoyed your youth because your parent surrendered to career. Now, its your turn for the sake of your children or dependents.

Have Involvement to Succeed in your Office

Involvement is one of the important attitudes for success.

When people are required to work as team, only those who are getting involved will inspire and lead others. If more number of individuals get involved in a team then it will out perform the opposition.

The good example is cricket match. Eleven people in a team. Two teams have to combat. All the eleven guys are not performing well up to their ability. All players in a team will not be satisfied with their performance. Even some may not have chance to play. Even they win or loose some are satisfied and many are not satisfied. Cricket is the only game where all the guys playing in a match can not be happy or satisfied even they won. Those who are batted well or bowled well and lead the team to victory will be happy; others who did not bat or bowl well will not be happy even their team wins, may be acting or managing as being happy.

If you play the game (cricket) you can realize it. If you bat well, but your team lost, still you will be happy by your individual performance. Your team wins but you did not bat well, then you will be disappointed personally. This is applicable from street cricket to International cricket.

Involvement is the main factor for individual performance and satisfaction while working in team. Depending upon the level of involvement your chances of performing well will get increased. More involvement leads to more performance.

Any type of team-work from software development to war fare need involvement from its collection of individuals to succeed. Involvers contribute more; get more credits then those who are not involved. Involvers get more return, benefits, fame than ‘Un-involvers’. Involvers move to front, un-involvers pushed behind

All the people who have interest are not given equal opportunity to get involved. From cricket to software development and from politics to war fare opportunity to grow is in-equal. People who have influence and management support and able to express ‘themselves’ are given the opportunity first. Some time they steal the opportunity of others. Rarely opportunity is left open to people who are skilled but inferior in ‘politics’ after superior people failed to perform well.

Even you get the opportunity to involve, you have skills but you must have good time, positive mindset, above all God’s grace. Involvement, Opportunity, skill, and ‘timing’ all should work in a sequence.

In the above features involvement is the most important thing. Those who are trying to involve alone get the opportunity or snatch the opportunity or create opportunity. For others opportunity will be given when ‘not used’. Even you have God’s grace but you are not involving then no way to utilize God’s grace.

Your quest to grap the opportunity to get involved is very important to succeed any where and every where. If you hesitate or wait for your turn, then if involvers failed by their bad time, then you will be given the ‘unused’ or ‘forced’ opportunity. But it is very rare, because the hunger of an involver is more intense than non-involvers.

So involve with a positive mindset that you will perform well and succeed and grab the first opportunity to succeed.

Surrendering to God reduce Stress and Fear

Surrendering to God reduce Stress and Fear

After developing an attitude of surrendering to God, I feel comfortable. My stress and fear level reduced. Soon it will be completely removed.

I was searching for people, incidents, works which give stress and tension to me. But later on I realized stress and fear in not outside. There are inside me. It is an attitude and personification problem. We do not have control over outside things. But we can control how we react. Our wrong responses are main reason for stress.

Every human has his/her own value system to life. Our value system, faith, belief everything matters. If your fundamental value system is wrong then you are prone to stress.

Surrendering to God is the best way to solve problems which gives your stress. If you are able to solve, it will not be a stress to you. It is a stress because; it is beyond your control. Even you juice your brain you can not do anything for things beyond your control. Developing an attitude of surrendering to God has great result in getting rid of stress and fear.

Live without any Fear

Live without any Fear

Live without any Fear. Fear is like a Break to a vehicle. Courage is an accelerator to a vehicle. Do not keep pressing the break then vehicle can not move. At the same time you cannot drive without applying accelerator. Both break and accelerator must be needed to drive a vehicle.

Whether you fear or do not fear, nothing is in your control. Universe will go on its own way, whether you fear or not. Fear is a state of mind or negative conscious which expects only negative. Life is full of uncertainties. Nothing is permanent. Everything including the world is perishable. You can not stop anything. You can not make anything. Have an attitude of let them go is best way to deal the life.

When we have fear our dreams, our speech, our action, and our behaviors are in a different manner than if we do not have fear. Fear stops you live happily. Certain fears are foolish; fear for death, fear for illness, fear for failures are stupid fears. When death, decease, failure come no one can stop it. You do not need to fear for such things, which you do not have control over them.

You can feel the difference when you act with fear and act without fear.

Example: You save some percentage of your current salary as a security to future. This is because of the fear of uncertainty about the future. But God comes to you and confirms that no need to fear about future. Your economy will be prosperous and you will have consistent income for the next hundred years. Then will you save money from your salary or spend fully. Those who have ‘fear of future’ save money for future. Remember you do not have control over next second.

How do kill the fear? Action cures fear. If you fear for driving, keep driving is the only way to cure the driving phobia. When you have fear of death strongly believe or keep saying mentally as you will live long, when fear of decease comes keep saying mentally as you will live healthy. When fear of failure comes, keep saying you will win. A positive pep talk or thought have great impact. Counter your fear with courage. Stop the negative by positive.

Fear is not out side, it is in the thoughts. It is the thoughts which maintain the fear as cauldron. If you change your thoughts, fear will disappear. If you fill your head with courage, you show courage. If you fill your head with romance, you reflect romance. If you fill your head with fear, you reflect fear. But whatever you reflect, life goes on its own way. Life does not bother what you stuff in your head. So it is better to fill the head with tranquility. Fill the head with a sense of well being.

I am a victim of Real Estate boom happened in Chennai

I am a victim of real restate boom happened between 2003 to 2010. I determined not to go for loan to buy a home. My determination got broken when real estate boom was in peek in 2010.

I was obsessed when relatives bought home. I decided to buy a home through loan. The obsession to buy a house in 2010 was beyond resistance.

I got a pre-approved home loan from Axis bank. I saw various advertisement related flats. Visited various flats nearly 40 to 50 kms from my current home. For my budget flats were available at such distance only.

My budget was 20 lakhs.

I managed to find a flat 30 kms away from my current home – saligramam. A flat 30 kms away which met my budget.

With loan and pledging jewels for down payment, I purchased flat in 2011. There were few flats and shops in that area in 2011. Now there are countless flats and shops in 2019.

After purchasing the flat, I shifted to that flat. My wife and kids were not able to live there. Within one month, we shifted back to Saligramam. I had to pay the Housing loan EMI and rent. I paid both emi and rent for 7 years.

For the society, I purchased a home. Actually I purchased a home loan, not home. I need to close the loan in order to own the home. Till then home is pledged with Axis bank.

In 2018, I pre-closed my loan by luck. I got good severance package from my employer. I closed my loan with severance package i received.

Now, I want to sell my home. Becauae, I never going to live im my home, because we comfortably settled in Saligramam. We dont have the amenities of Saligramam in West Tambaram.

There is no buyers now. I reduced the price to same price as how much i bought. Interest and principle i paid in seven years are loss to me. Market price has not grown upto realise interest paid towards home loan. I supposed to sell my flat for 28 lakhs to cover the interest paid, but i have quoted 20 lakhs to broker – actual price i bought the flat.

There were many unsold new flats in West Tambaram, so buyers has not shown interest in my flat though i reduced price to damn cheap.

I am not in urge to sell my flat, I am waiting patiently.

Good thing is I spent 20 lakhs to buy the flat. If i had gone for 40 lakhs or more then my situation would be miserable now. I would not be able to close my loan with severance package if i loan amount goes beyond 25 lakhs.

Right now, I am without any debt, I own a home for name sake – pride factor only, not living in own house, living in a rented home. My emi, interest, principal I paid towards my home loan is a loss to me, which will come around 8 lakhs.

Due to real estate boom, I lost eight lakhs, and I own a hard to sell asset, had tension to pay the EMIs without failing single due.

Copper Kitchen Saligramam Customer Review.

I reside in Saligramam and my family is regular customer of Copper Kitchen located at Saligramam. Here I share our experience with Copper Kitchen.

We have been visiting and placing orders over telephone since 2015. It has been more than 4 years we consume from Copper kitchen. Mostly we place home delivery orders. Seldom visit restaurant.

Our favorite orders would be Naan, Panneer butter masala, schezhwan fried rice, noodles, Thandoodari chicken.

Taste is subjective. We like it.

Pricing is costly, which i feel.

One time, we are not satisfied with the taste of an item, and we complaint the same to the restaurant. In our next order, they offered a food item without charge (free) as compensation for the previous order where we made complaint.