Investment Advice: Is It The Right Time To Invest In Mumbai?

Several media reports have recently claimed that the uber-famous Mumbai real estate market is headed for a crash, what with the rise of property prices and a sharp increase in the number of builders’ inventories.

But despite all the sluggish growth prospects, Mumbai, the economic capital of India still remains one of the hottest real estate investment destinations in India. Read on to know if investing in the ever-so-expensive Mumbai real estate is the right decision for you at present.

The Market is Expected to Grow

Yes. The Mumbai realty market is expected to grow as buyers’ sentiments seems to have been on the rise over the last few months. In fact the data revealed by the Inspector General of Registrations has suggested a market growth of 15% over the last few months of the current financial year, a massive growth when compared to the same period last year.

But don’t be surprised by the developments because it isn’t the government that has spurred the growth, the catalyst lies elsewhere. In actuality, the state government has done very little to reignite the business and turn the trend. The main reason for the upswing in the market, however, are the consumers.

You heard it right. It is the consumers. But how did this happen?

Well, for starters all the prospective investors who were waiting for ‘better times ’ and anticipating a price correction, have now realised that no such step is ever going to be taken. This is why investors have decided to buy property in India when the prices are still at their reach, rather than risk the prices reaching even dearer heights. One can safely say that investors have concluded that the better time to invest money is the present as the future remains rather uncertain with the prices still increasing slowly.

So, keeping this in mind, it would be the right time for you to invest in a property in Mumbai, which come with some limited period offers.

RBI’s Interest Rate Cut

Back in September, RBI Governor Raghuram Rajan took an unprecedented step. In that, he cut the base rate on loans by 50 basis points (bps). Following this move several banks too reduced their lending rates by up to 30-40 bps. Take for instance the case of State Bank Of India. The nationalized entity cut down the rates by 40 bps, which brought their rates from an effective 9.75% to 9.35%. ICICI Bank, on the other hand, reduced its rates by 35 bps from 9.9% to 9.55%.

However, these rates are not what they seem because the aforementioned rates only apply for existing customers while new loanees will have to shell out 10-20% bps more on interests.

Even though the banks have begun to take advantage of the latest RBI directive, the reduction of interest rates come as a welcome move for most of the aspiring, middle-class families who are dreaming about owning a house in metropolitan cities like Mumbai and others.

The interest rate cut is yet another factor which suggests that if you are planning to invest in Mumbai, you must probably go ahead with it.

To sum it up, the volatility of the Indian market always remains more or less the same, but between these volatile periods come brief moments of respite, which you can make the best of by investing in a property.

from http://monalisaofblogging.com/investment-advice-is-it-the-right-time-to-invest-in-mumbai

7 MUST-HAVE APPS FOR YOUR ANDROID SMARTPHONE

A smartphone is not considered very smart if it doesn’t have a set of apps that help you navigate seamlessly through your day. With Android being the #1 OS of choice across the globe, there are hundreds and hundreds of apps developed to cater to the various needs of the users. Listed below are a few of the Android apps that you absolutely MUST HAVE without doubt:

• Mobikwik

The shopping of today has its own twist; we now shop online, be it for clothes or even houses. If our shopping is done online, then what keeps us from having an online wallet? This is precisely what the Mobikwik app acts as: a virtual wallet. The user can pay their bills, buy food, book movie tickets, etc. online with this app. What’s more, they can even benefit from the various Mobikwik coupons that offer great cash backs or discounts on such purchases.

• Facebook

We’d be joking if we said that we don’t have time for ‘Facebooking’. We are social animals who need to know what’s happening with our friends, family, and colleagues even though if it is simply through their status updates. Facebook is a great social app that you must install in your smartphone.

• WhatsApp

This serves as a great app for free messaging and voice calling. You can share pictures, videos, contacts, and much more over the internet through this app at no cost. The user can make groups that include business associates, colleagues, friends, or family and keep in touch with everyone.

• Office 365

Once a Windows lover, always a Windows lover! If you have ever used the Microsoft Office package, you will very well know of its unlimited utility. One can design presentations, make spreadsheets, and make documents on the go with the Office 365 app. Its usefulness transcends all kinds of groups, be it students or professionals, everyone needs this app.

• mSecure

The dependence on our gadgets increasing day by day, we are finding it extremely difficult to remember the passwords and login details of our various online accounts. This is where an app like mSecure helps. You can store all your passwords and other details on this app securely. The app also helps you to generate a strong password. It also has a self destruct feature as additional security in case of theft.

• Evernote

The most popular note taker across all platforms! The app syncs your notes across all your devices, helping you with quick access. You can make grocery lists, write the minutes of a meeting, or even plan a whole presentation using Evernote as it allows you to use pictures too!

• Expedia

This is a travel planner, right at your fingertips! One can book flights, rent a car, or even book a hotel room right from the app. It also allows you to view events in a particular destination and even book tickets for it! With this app, all your travel details are with you in one place.

Now that you know how to get the best out of your Android Smartphone, start all your days on a productive note!

from http://monalisaofblogging.com/7-must-have-apps-for-your-android-smartphone

Summer Boho Chic Style

For more than 200 years bohemian style has been an exotic alternative to widely accepted fashion trends of that certain period. It was always linked with writers, artists and intellectuals, because of its dreaminess, uniqueness and possibility to experiment and create something your very own. This style incorporates historical costumes and various ethnic clothing. Today, it is mostly associated with summer fashion, because of its colorful patterns and loose cuts. The bohemian cocktail of hippy, vintage, casual, oriental and ethnic styles is actually the perfect thing to wear every summer regardless of the current trends. You simply cannot go wrong with boho. Let us see how does bohemian style influence our trendy outfits, how to wear it and why to love it.

For the Love of Mother Earth

Since bohemian style is connected with hippy movement, it is easy to understand why loving and caring for earth matters. That means that the materials being used for making boho clothes must be organic and made with respect for the environment. The fabrics that are usually used are jeans, cotton, chiffon, linen, artificial fur and leather. The colors also must not be contrary to the ones found in nature surroundings. That is why the most popular are earthy tones. As for the patterns, floral and ethnic inspired ones are the best to express the mutual relationship of bohemian style and nature.

Loving the Freedom

Bohemian style is all about freedom and feeling good in your skin. Its loose and pleasant cuts reflect that in the best way possible. You will not find any curves embracing dress in bohemian outfits, and that is ok. After all, it is summer, besides the sun kissing your skin, you do not need any tight fabric to do that as well. There is a specific feel of freedom even when it comes to hairstyling. Effortless beach waves in your hair and maybe some simple braid are enough to achieve the ultimate boho-chic. You should not go overboard with makeup too, and whenever you feel like it, go with completely bare face. Shoes should be flat and extremely comfortable to enable the “bohemista” to run freely.

Putting the Boho into Your Style

There are some basic clothing pieces that will help you incorporate bohemian trend into your own style. Loose white shirt and a pair of washed out jeans are something that you probably already own, you just need to get in the boho feel, and it will be perfect. Get ready for the next summer season by getting some of the pieces you do not already own on fall and winter sales. Buy a crochet swimsuit or opt for Aztec or African prints, when you visit a boho inspired swimwear sale. Beach kaftans are also a must. Maxi skirts and dresses in earthy tones should be the very next thing that will find its place in your next-summer wardrobe. Add some fringes, flowers and ethnic fashion inspired prints into your everyday summer style.

There is No Boho without Accessories

Boho is especially known for the richness of accessorizing. Multiple necklaces and bracelets are not even optional, they are a must. Because the very style, as we know it today, draws its inspiration mostly from the 70s, you cannot be wrong with jewelry inspired by this decade. The most important thing is that it should be unique and inspired by nature: natural stones, silver, dark gold, leather, etc. Layered chains are an ideal addition for every boho outfit and feathery and dream-catcher inspired pieces will add a dreamy note to it. Other accessories are also welcomed. Wide leather belts, floppy hats, slouchy boots, fringed bags, slouchy hobo bags, distressed leggings, thin headbands worn across the forehead will make you a true boho-chic girl.

Adapt the bohemian style to your own preferences. After all, it is meant to be personal, unique and experimented with. Enjoy its freedom on the summer sun.

from http://monalisaofblogging.com/summer-boho-chic-style

IT Professionals and Mobile Telemetry

Telemetry is a fully automated state-of-the-art communication system that entails data collection and measurements without requiring physical presence of any person. This simply means that telemetry system could aid you in taking measurements of a host of activities, elements and processes without necessitating any sort of human contact.

Businesses today are increasingly embracing this technology since it is boosting their efficiency and productivity. Meteorological Agencies, Law Enforcement Agencies, Disaster Management Agencies are some of the chief users of wireless telemetry. This technology helps to transmit data wirelessly across huge distances.

Your job as an IT specialist necessitates interaction with all kinds of people, diverse technological problems and various levels of knowhow. There are several people who seem to be happy with the limited knowledge and little understanding of technology.  This is the primary reason why you are very much in business. IT specialists would be unemployed if everyone had a sound knowledge and understanding of the technologies that are being used by them.

Advanced technologies such as mobile telemetry are relatively new and still gaining and growing in popularity. Solving issues related to telemetry is a specialized task and you cannot expect everyone to do it. Training and sound knowledge in IT helps you to solve these telemetry issues.

Jobs for IT Professionals

The job scenario for IT specialists has not been very encouraging as the numbers of IT jobs that are being generated are not sufficient to accommodate all the students graduating successfully post training in IT. There has been a shortfall in employment opportunities. Although this is true, the fact remains that there are several fields within the IT sector that IT students deliberately are staying away from or have not thought of trying out yet. Fields such as wireless telemetry have not got the desired attention as very few people are offering these services.

Technology which is effective in enhancing the capability of business managers for monitoring their activities seems to be quite limited. However, technology is progressing worldwide. Some technologies currently exist that would aid business people to monitor their businesses. This is exactly what Mobile or wireless telemetry seems to be all about. This is undoubtedly, one of the finest and most challenging jobs one could aspire for in the IT sector.

You would be assisting businesses to come up with communication systems for effective monitoring. IT specialists today are able to assist business owners to stay abreast with all the developments in their businesses sitting at any remote location across the globe. For this, the business owners would be requiring a device for receiving information. It makes work simpler or easier for businesses.

Why Businesses are Opting for Telemetry

The remote monitoring feature of telemetry seems attractive to all business owners. Often business owners need to measure things, but they neither have time nor patience to do that manually. Telemetry comes to the picture now. You simply need to set up the telemetry system precisely as per the specific requirements of your business. This is exactly where the IT professionals step in for helping you out.

Focus on accuracy of measurements. Once the telemetry system is installed perfectly, all business owners could depend on the accuracy and reliability of the telemetry system. There would be no room for any errors anymore.

If you are proficient while using your IT knowledge and skills, then it would be really easy for you to install telemetry systems. Easy installation is one of the primary reasons why businesses today are embracing telemetry. They are on the lookout for smart IT specialists, who would be able to offer reliable, fast and really affordable services.

from http://monalisaofblogging.com/it-professionals-and-mobile-telemetry

Things you don’t know about Italian Food, Culture and Aqua Regale

When you think of exceptional history sites and a cultural places Italy may come to your mind first. Leaning tower of Pisa, known worldwide for its unintended tilt, The Colosseum and many other famous historical sites build up the fame of Italy. Along with historical sites Italy is a country with superb infrastructure, geography, demographics and climate. Italy is considered a birthplace of the Western civilization and a cultural superpower. Italy was home to many well-known and influential civilizations, including the Etruscans, Samnites, Phoenicians, Greeks, and the Romans. For more than two thousand years Italy experienced migrations, invasions and was divided into many independent states until 1861 when it became a nation state. Despite the political and social isolation of these regions, Italy’s contributions to the cultural and historical heritage of Europe and the world remain boundless. The famous elements of Italian culture are its art, music, fashion, and iconic food. Italy was the birthplace of opera.

The Italian fashion industry is one of the country’s most important manufacturing sectors. The majority of the older Italian couturiers are based in Rome. However, Milan is seen as the fashion capital of Italy because many well-known designers are based there and it is the venue for the Italian designer collections. Many of Italy’s top fashion designers have boutiques that can be found around the world. Among the best-known and most exclusive names are Armani, Benetton, Fendi, Gucci, Versace, and Prada. The art of sculpture in the Italian peninsula has its roots in ancient times. During the Middle Ages, large sculpture was largely religious. Now they showcase in Italian museums as a presentation of Italian art and culture. The history and development of art in Western culture is grounded in hundreds of years of Italian history. In Ancient Rome, Italy was the centre for art and architecture. The Mona Lisa by Leonardo da Vinci is possibly one of the most famous and iconic examples of Italian art. Few would doubt the importance of food to Italian national and cultural identity. Food is widely recognized to be a fundamental part of what it means to be Italian. National signature dishes which actually originated in the Italian cities, regions, or localities provide many proud Italians with a cause for national celebration. Italian food also constitutes a key feature of global food culture. The development of international food chains selling pizza or pasta ensures that people across the globe recognize Italy as one of the world’s great food nations.

Italy is a cultural and ever loving place where the people are satisfied and delighted by the facilities provided. Along with great foods Italy is a hygienic country where people require only safe and clean drinking water. Acqua Regale is a well known and mostly bought mineral water bottled product around the globe. We build trust and satisfaction of consumers. Acqua Regale is sold to families who are willing to live a safe healthy life by purchasing one of the world’s best mineral water bottles. This not only provides them with satisfaction but also with great customer value.

from http://monalisaofblogging.com/things-you-dont-know-about-italian-food-culture-and-aqua-regale

Golden Rules for Successful Electronic Music Production

Whether you are a newbie or a veteran in the production of electronic music, keeping in mind the following golden rules will help you to create standout music arrangements that your audience will simply adore. Remember to take an independent view as it is not necessary that all the tips will work well for you.

Making Edits Can Be a Great Start to Electronic Music Production

Making edits is essentially all about rearranging all your favorite music tracks and switching up the song structure order. You could try to make the sound crazier by cutting out a few of the beats and notes and move into executing mash-ups. This is essentially a process of merging two tracks into one in which the melody of one track is put over the beats of another to create a unique-sounding track that is familiar yet enticingly exotic. The process of doing mash-up will make you also more familiar with concepts of EQ and compression as well as that of musical element blending. One of the most common mash-ups is executed by taking a track and arranging a cappella over it.

For Successful Electronic Music Production Use a Professional Kick-Drum Track

The foundation of a loud and well-mixed dance track is the kick-drum and unless you can master that, your mixed tracks will lack the punch they should ideally have. To ensure that you are doing things right and have picked one that sounds adequately heavy, take an existing track and make a sample from it. Using an existing track gives you the confidence that it has been professionally mixed and mastered. Whatever element you choose to layer on it will definitely kick ass.

Time to Masterchain – The Key to Effective Electronic Music Production

To ensure that your tracks sound fat and have a volume level that is decently professional, you should always attempt to start your electronic music production with the masterchain on at full. Essentially masterchains are the master-output plug-ins used to make the sound track loud and fat. It is advisable to use a compressor as well as a limiter; there are many producers that use five or six compressors in their masterchains but you need to tinker around and find out what you are comfortable with and what produces the fattest sound output. All you need is to ensure that there is no distortion and you are able to maintain the dynamics of the track.

Track Referencing Is a Must for Effective Electronic Music Production

To judge the quality of the tracks you are mixing, it is very important that you possess tracks that have been professionally mixed for mirroring. This is because unless you are in a position to compare the quality of your tracks with the ones professionally executed, you will never be able to find out what your track lacks. The best way of comparing is to keep on switching between your track and the reference track. This referencing is important because as you know professional tracks sound good in all circumstances and if your track is similar as far as equalization and loudness is concerned, you can be confident that it would also pass muster and will sound great on whatever system it is playing back on.

Good Electronic Music Production Means Not Getting Stuck In a Loop

However passionate you might be about music production, you should always give yourself time to clear your brain and your eardrums by taking short breaks every now and then. Have a snack or a drink, go to the washroom, splash water on your face or do whatever you need to do to that will allow you to refocus on the job.

from http://monalisaofblogging.com/golden-rules-for-successful-electronic-music-production

Technical Analysis And The Changing Market Conditions By XFR Financial Ltd

Forex market offers much potential of making significant gains to traders who enter the market at the right time. On utilizing technical analysis, you can conveniently know the market trends by watching a couple of charts along with other indicators that can assist you to understand when helpful trends may emerge and till what time you may expect a particular trend to continue in forex market. Forex trading involves a massive market with numerous upward or downward trends and the duration for which they last may be long or short. That’s where technical analysis from XFR Financial Ltd comes handy in recognizing every movement and thus making predictions, based on those.

Technical Analysis & Tools

Beginners to forex trading a well professional traders can benefit on using technical analysis plus technical tools as profitable trading of forex is not limited to just selling and buying of various currencies. This kind of trading involves a lot more and needs adequate and apt understanding of market conditions for making correct predictions as per the past trends.

Impact of incessantly changing market conditions

You should appreciate that technical analysis plus indicators simply provide a high likelihood of movements in forex market while you are trading. Nevertheless, you just can’t rely on these totally. For becoming a successful trader, it is imperative to use maximum possible number of technical indicators. You should be able to formulate your own policies, depending on your analysis of various indicators.  Professionals patronizing XFR Financial Ltd analyze different kinds of trends such as the key trend, transitional and short term trends for making their trades.

Technical Indicators & Their Significance At XFR Financial Ltd

Since forex market keeps changing at all times, you need to have an open policy while using technical indicators. Since the market conditions keep changing, you would require a changeable arrangement of technical indicators to forecast the most likely state of affairs in the forthcoming future with regard to prices of currencies. In case the markets move favorably, as per your expectation, you should consider continuing in the market for maximizing your benefits. On the contrary, if you are not lucky, with the market turning unfavorable for you, as a smart trader you should seize whatever profit is possible and leave that trade.  Likewise when the market is rather dull, and not making any significant movement, it is worthwhile not to think on the lines of making any big move till   market conditions change.

Traders need to be attentive at all time and be informed of the changing market conditions. They should be prepared to utilize maximum possible number of technical indicators to remain in touch with ongoing market developments.  You’ll surely find these helpful in occupying a place among the efficient traders of XFR Financial Ltd. Those who continue sticking to a given set of specified technical indicators for carrying their technical analysis and don’t consider it necessary to make changes as per existing market conditions may not become successful many a time, making it essential for them to use diverse indicators.

from http://monalisaofblogging.com/technical-analysis-and-the-changing-market-conditions-by-xfr-financial-ltd

This Cardboard Standing Desk Is Portable, Cheap and Awesome

Standings desks are jumping more into office space these days. Some researchers say that it’s good for health to take some time out for standing, as prolonged sitting can be very dangerous for your health. Advocates of a healthy lifestyle prefer the standing desk bandwagon, but for the groggy ones, it’s just another of the stupid schemes that want them to move from their place.

New Zealand based company Refold has made a $250 foldable/portable desk out of cardboard, almost. It has handle that can be used to carry it around. The desk is portable, foldable and recyclable. Initially I thought that the price tag might be too high, but if you compare prices with steel and wood desks, they can cost up to $1000.

Assembling the desk can be done by simply locking different pieces into the slots on the cardboard. The cardboard is 0.2-inches thick so it provides ample strength to hold every kind of stuff on it. According to the company, the desk can easily up to 187 pounds. The life of the desk is provided to be 2-3 year, which again, is fine with the low price tag of the table.

There are three sizes available. Large is 3.61 feet; medium is 3.45 feet and the smallest one is 3.28 feet high.

The total weight of the desk is roughly 14 pounds. If you want to transport the desk, you can simply fold it instantaneously. The desk has dimensions of 43 x 26 x 3.3 inches.

Refold is an inexpensive and easy standing desk solution. You can also buy the waterproof top separately for $90 or as a deal for $300.  Something like a cardboard stand can’t really replace a tabletop desk, but it’s worth saving hundreds of dollars for a little compromise.

from http://monalisaofblogging.com/this-cardboard-standing-desk-is-portable-cheap-and-awesome