THE DARK SIDE of the BLACK

Tuesday, January 1, 2019

December 2018 California-Nevada-Arizona-Utah

This is the reference sheet for myself and any traveller for the plan. Here is the layout.

Duration : December 22, 2018 - December 29, 2018

Day 1 (December 22) : Started from Fremont around 6:20 AM and reached Las Vegas by 8:30 PM. This was due to heavy traffic jam on interstate 5.
Checked into the Palms springs airbnb and had a nice sleep.

Day 2 (Dec 23) : First thing first, Make kids happy. Breakfast at Indian Masala and headed to Circus Circus Casino. Kids played plenty of games and won the toys. Watched couple of the circus performance at circus circus. Headed to LINQ high roller at LINQ casino and had a fantastic view of the glowing city from the high roller. Kids and big ones enjoyed the water rafting and roller coaster VR ride late in the evening.
Filled the tummies at Newyork Pizza. By the time we finished the pizza, Christmas show was performed by local folks and it was amazing.

Day 3(Dec 24) : Time for long drive. Drove to Hoover Dam and had lunch there on the top of the hill. Headed to West RIM of Grand Canyon. Parked the car at Hualapai ranch and took the Grand canyon shuttle. Enjoyed the views of the grand canyon and drove back to Vegas.

Day 4(Dec 25) : Second thing second, Make kids happy. Went to Mandalay Bay's Shark-Reef Aquarium. Kids loved it. Spent most of the day here and went to vegas strip and took some patel shots in and around multiple casinos. It was amazing to watch the Bellagio's water fountain late in the evening. Took the LIMO back to Paris Casino. Kids loved it. My son was not able to believe that it was a car.

Day 5(Dec 26) : Itchy Foot, time for long drive. Drove all the way to Zion National Park. Filled gas at Mevericks, It was freaking windy. Parked the car at park station #2 and took the free springdale city shuttle to Zion National park visitor center. From Zion National visitor center took the zion free shuttle. Zion national park allowed us to go only till Zion Lodge stop due to heavy snow. Got down at Zion lodge and did Emarald river trail hike. Headed back to Vegas.

Day 6(Dec 27): Checked out from the airbnb and headed to Speed Vegas. Drove Ferrari 488 GTB on the racing track for 5 laps. It was worth it. My 3.4 year old son was upset because, they did let him ride along with me. Checked into MGM grand Marquee suite later in the day. This was mind blowing. Ladies went to SPA and boys did the baby sitting.

Day7(Dec 28): Checked out MGM grand with heavy heart and headed to Death Valley. Took pit sopts at Zabriskie Point and bad water basin. Kids played enough in the sand dunes on the way to stovepipe village. Drove through the death valley and reached Bakersfield.

Day 8(Dec 29) : Headed back to home from Bakersfield. Reached home around 4:30. It was a mixed feeling. Happy to be home, sweet home. Sad that an amazing vacation came to an end so fast.

Total Miles : 1800
Cars : Honda Odyssey and Honda Pilot

Saturday, February 20, 2016

Sheer Driving Pleasure

My friend fell in love with my beloved ceevee, when I was moving to CA and it wasn't that hard for me to hand over the keys to him as I knew him from last 12 years and I knew he would take care of her very well. When I handed over the keys, not even a screw was loose in 5 year old dearly driver's 1.8L, 132BHP ceevee. Even after coming here, I made sure my friend is happy with her. :)

The hunt for new machine was ON since the day I arrived. I must admit that this place is ultimate heaven for petrol heads. One will be lured with options. Some of the cars who stole my heart at first sight were Dodge Charger, GM Camaro, and Ford Mustang GT350. Believe it or not, blue GT350 with black racing stripes with Shelby body kit is still my desktop's wallpaper. Every time I fell for these cars, It took me a good one minute to realize that, I am married and have two kids. My brain outright rejected them. Like everyone else, I also started looking for popular Toyota Camry and Honda Accord. Everyday I read about these two cars and searched enough on truecar, But all this was half-hearted .. so coudn't convince myself. Strange fact was subconsciously I spent the same time on BMW, MERC and Audi :( . This was not going anywhere, so had to narrow down on something.

Since the day I know automobile, I have always respected the machines which were built keeping driver and driving dynamics in mind and Since the day I know automobiles better and better, I kept on falling in love with the "ultimate driving machine" aka BMW.

The family man within me short listed Hyundai SantaFe Sport purely for space and driver within me said "it's gonna be BWM 328i, 4 cylinder, Twin Turbo".
The later won the battle and I had my girl on Valentine's weekend in 2016.

I got it from United Imports, and guys in united imports were great, though they refused to give me any discount.

Here is how I described here.

I named her Cheryl. She wears alpine white gown with black lingerie stitched using the RED thread. She wears 245/45/R18 Italian rubber on her heels made from Pirelli.
Her eyes with trademark corona rings are stretched a bit to meet the classic kidney shaped nose she has since her birth.She is curvy all over. She is not only beauty but also brainy and sporty too. Goes with Sport M-line packed vanity bag.
She copies her figure(trunk and tail lamps) from her big sister(5 series).
I can control her by my voice commands, just to get the feeling of me having the control over something in life. smile emoticoShe is very responsive(power on tap) with 8-speed auto box that is manufactured by ZF Friedrichshafen, Germany.
Seamlessly shifty with 2.0L under the hood, churning out 240 bhp and diesel like torque 320 Nm at mere @1250 rpm makes her unique.
The million dollar question, I was asked "KITNA DETI HAI" ..
I calculated it over last week and driving over 250 miles, it's been more than 25 MPG. Yes it is 25 MPG. This translates to the fact that operating cost of this girl per kilometer is actually cheaper than my civic in India(Do not forget gas is cheaper in US)
Took her to office everyday and over the week end drove her to Montery, (17 mile drive). It was awesome.

Some of her pics

Monday, December 8, 2014

The Power of Dreams

Way back in 2010, I lost my heart to a curvy girl. She was stunning and admired by me every time she passed by. Her eyes were not normal instead they were stretched a bit to give her a natural look of Yakshagana performer. It was a bliss to watch her after the perfect waxing job done. Every time I looked at her, I felt she a class. May be biased.. but taste is always subjective. Though my friends said she will be heavy on your vallet, the great MS excel showed the minor delta and signaled GREEN.Nod from Wifey was must to proceed and I always liked it to keep it transperant. So here it goes.

Me : I have to tell you something.
Wf : What ?
Me : How about over an ice cream at Corner House?
Wf : Fine .. But Only after the kiddo sleeps. ..Something Fishy ?? Huh ??
Me : Na na .. Just like that.
At Corner house and DBC on table
Me : I have fell in love with another lady ..
Wf : Not now and not again ... The one you have is already doing great..
Me : I agree .. But trust me the new one I fell for is amazing.
Wf : What's the problem with existing lady ?
Me : She is too old :(
Wf : How come all of sudden she become so old .... I remember you telling me she is pretty, a day before.
Me : I was forced to say .. :(

Silence for 5 mins and the hot chocolate sauce was getting colder and colder.

Me : BTW.. this dress looks nice on you.
Wf : I know your intentions and the reason behind the praise ...
Me : Really .. I mean it. .. I will not forget to say the same thing everytime you wear it.
Wf : You have not wished me for last Bday .. and u think you will be able to remember this one .. ?
Me : There are exceptions to everything in this world ... Anyways forget it .. How about the new lady ?

Wf : Are you serious you will sell our beloved Zen (Vxi 2004)
Me : Not sure .. But I can make up my mind for that ..
Wf : Who is the new girl in your mind ??
Me : i20
Wf : Won't it be costly ?
Me : I will manage...Excel sheet speaks the green and works out good on car lease.
Wf : Education for Kiddo should be plannned..
Me : I know and there is a plan in place.

Silence for 2 mins. .. All the ice cream got over and couple of the flies were trying to suck the dripping chocolate suace off the bowl.

Me: Planning to Sell it to Maruthi True Value and he is giving me 1.7L
Wf : You have already spoken ??
Me : Sort of .. at last serivce. ..
Wf : When do we get the new car .. Any waiting period ?
Me : Sales guy told me within a week..
Wf : You have already spoken ???
Me : Sort of .. when I had been to the show room to enquiry for my friend.
Wf : How long does it take to process loan in your company ??
Me : 4-5 working days
Wf : You have already spoken ??
Me : Sort of ... When I went to collect the shipment ... It's near by.
Wf : You must have decided on colour too then ??
Me : I will leave it on you.

Eventually we ended up buying grey colour i20 magna in october 2010. I must tell you the curvy grey lady never ever disappointed me. She is always been my companion for 49,000 kilometers of my all terrain drive covering almost all the south indian states and Maharastra plus Goa.
I used to take her regularly to her beloved beauty parlors..(Trident or Advaith). I used to wish her "looking young" every time she walked out of the parlor.

Enough being said about my second love .. In 2014 October Car lease came to an end and I had two options .. Either continue to own this great lady OR try something better.

Petrol head kicked in and the later sounded the better and background search started. Read the below thread many many times with the same enthu and interest, to find out at least two new things every iteration. GTO has written it in such a beautiful way that anybody ( Including mass) will get tempted to change their mind. Thanks a lot for such a wonderful thread.

http://www.team-bhp.com/forum/buying-car/71707-article-best-used-enthusiast-cars-6-lakh-rupees-less.html and also read the below one

http://www.team-bhp.com/forum/buying-car/18859-article-how-buy-used-car-india.html

The requirements were fairly simple with reason stated against each.

1) Should have ABS and Airbags. - Missed in i20 due to magna.
2) Boot Space should be equal to or greater than my i20 (Practical 295L) - Do lot of long trip with my kiddo.
3) Steering should have proper feedback at high speeds. - This is one thing I always missed in my i20 EPS.
4) Interiors/Fit and Finish should be clean. - Expectations went up after spending good 4 years with my i20
5) Adequate power in the second gear - Missed in my underpowered/poorly tuned petrol i20.
7) Good AC - Air Condition wan't that effective when followed the manual (23 degree Cel) in my i20
6) Car should be good looking - Wifey's Requirement and I do not question "why" in such circumstances. :)

Below the the story of the entire process.

Bringing Head and Heart on the same page.

Heart was stolen by Honda Civic since it's inception on indian roads. I still remember the day I sold my soul to this beauty. Here it goes.

I was at Anil Kumble Circle, on the way to my office in M.G. Road Bangalore, on my black 150cc brand new Bajaj Pulsar.
The White Civic comes and stops on my left side. The blue illuminated Digital Speedo and the 2-tier layered dash made me glance her again, again and again. The driver's hand and head was obstacle to magnificent inner beauty and I was struggling a lot have clean view. The gentleman in the driver understood my intentions and leaned back and removed his hands from steering wheel. I just could not take my eyes off her. My thumb went up say thank you before I realized the signal turned green and the gentleman nodded his head.

In 2010, I did a lot of math to accommodate something which has boot.. However head and the heart never converged on the same page. New Civic was still a gorgeous 'princess sleeping' in the Devil's castle. Did not have the courage to fight five mountain's stand to become Master Roshi's student.
The financial obligations made me stay away from Honda show room till they started manufacturing Brio and Amaze and both the cars did not impress me much. No offense made to any owners.

Had chance to drive my friend's Honda City (V 2010 make) on our bachelor's trip to Mumbai in 2013 December. This trip made me lunge for honda engine. I really loved the racing dynamics and the highway stability of the car. This one trip really spinned my head to seriously think about Honda cars.

However I do not wanted to get baised and get into the used car market. Kept my mind and soul as clean as possible to make a note of pros and cons of everything I shortlist.

#1 Fait T-JET Linea : Fulfilled all my listed requirements except the sixth one. :( I should have put that as number one .. I am so much used to priority based preemptive schedulerthat, I apply "Lower the number Higher the priority" everywhere. Just forgot about priority inversion and LINEA was out.

#2 Ford Mondeo : I am a big fan of this car. The only reason I stayed away was reliability over the long term as I was planning keep the car for at least 4 years.

#3 Honda Civic : Fulfilled all the requirements including the wifey's sixth one. Well this was a general ask not being serious about buying or owning it. I keep asking about the likes and dislikes of all the cars generally.

Head and Heart converged on the same page. Three way hand shake done. Good to go for RX (Civic) and TX(i20).

The Persuade Process

Me : What do you think I should do ?? Should I transfer i20 to my name or sell it..?
Wf : You must have gone crazy .. New car again ??
Me : What again ?? .. It's been Fooooooour years.
Wf : Say it like 4. Not Foooooouur.
Me : Ok .. 4 years but don't you think it is still old given the fact that two facelift and an all new in the market already ?
Wf : No .. It still looks the brand new inside out.
Me : Agree .. No doubt on that. .. We have to change the battery now.
Wf : You are trading battery change for an car upgrade ??
Me: Not only battery .. Tyres/Wiper blades as well.. and there is some sort of noise from the engine bay.
Wf : Noise from when ?
Me : Yesterday afternoon. ..
Wf : We have committed for a flat and we are not selling our i20.
Me : Who said I am running away from that...What I am saying is we will monitor the progress of the project using Civic... :)
Wf : Civic ?? I remember you telling me it's heavy on the vallet.
Me: Yes it is the new one .. .. Not the used one :)
Wf : What's the deal... tell me .. What is running in your mind ?
Me : Sell i20 and put the delta and buy Civic. ..No loan nothing. .. Like GTO did.
Wf : Who is this GTO now?
Silence for 2 mins. .. Good that my mom interrupted this conversation to tell me that my car is still good.

Me : What do you think which colour civic looks better ?
Wf : i20 grey
Me : mom How about the new car ??
Mom : Why do you need one .. This one is so good. .. and all have four tyres and can carry only 5 people.
Me : Yeah .. Both you said the same thing while selling zen four years back. What do you expect ?? The car should have 8 tyres and carry 15 of them.. huh ??

Silence for 1 minute...

Me : Tanvi (My daughter) which color car you want papa to buy beta?
Dtr : Pink .. :)

All started laughing.

Wf : So you have made up your mind and just completing the formalities..
Me : No ... not yet. But there is NO confusion in my mind at least ..
Wf : Both are one and the same.
Me : Not really .. What I mean is Either I am sticking to the old car OR buying the used one. Not the new car. No confusion on that.
Wf : So changing the tyres and battery ?
Me : Yes .. With the car itself .. Not separately ..
Wf : If it makes sense to you . ... Go ahead.
Me : Thanks ..

The deal is sealed. Good start is half the work done..:)

Hunting Process

First thing first checked with Honda Terrace and found no Civic. Started looking into team-bhp/OLX/quickr/carwale etc and started comparing them.
Saw couple of the cars across bangalore and they were ill maintained. Ruled them out in less than 30 minutes.
Some brokers showed me some good cars but I felt the ask was little more than the market price.

In the process of searching came across a beautiful black Skoda Superb, which was just a little over my budget. It was very tempting. Head won the battle over the heart.

Here the deal got sealed. One of the employee was flying to US and had to settle his CeeVee before the D-Day.
Ask for 1.8 V i-VTEC/Dec 2010/42K on Odometer/Second owner was 7.5L and I offered him 6.2L and deal got closed at 6.3L.
Checked with Dakshin Honda for the service history and insurance claim. Both were clean and Major 40K service was done.

The D-Day

I could barely sleep once I made up mind and we settled on the price. He handed over the keys to me in IndiraNagar RTO office.
First time I got into the driver's seat of the Civic. I was excited and nervous at the same time. Don't know how to explain that.

I wasn't really comfortable driving such a big car in the city for the first time and also had to remember all the time about the boot and it's width. Somehow managed to reach home.
Next week took her to parlour. The following were checked/changed.
1) Mineral Oil to Synthetic Oil
2) AC duct cleaning (again)
3) Check Engine Mount/Air and Oil Filter / Brake pads/ wheel alignment / Wiper blades etc. - All seemed fine and Honda certified it :)
4)OSRAM night breaker bulbs of same capacity .. but sharper beam.

Including wash and other normal checking costed me 7.1K on my vallet. This I felt reasonable.

Driving Experience so Far

Likes :

Though she is made for highway criusing, did not get a chance to take her out for a fresh breath. Did only one mysore trip in last three months.
She is very handy in overtaking.
She likes to be revved and redlined.
Awesome above 3K RPM.
She makes the cabin cool within 60 seconds.
Makes me smile every time I drive her ..
Her seats feels like someone is hugging you from the behind, so that you do not fall.
The engine noise. I really love it.

Dislikes:

Inadequate torque at lower rpm.
Little hard gearbox, though it is slot-keen.

With all being said .. I still owe an answer to the question "Kitna Deti Hai " ??
She needs a litre to drive me about 10.3 kilometer with all time windows rolled up keeping me cool inside the cabin.
Eveytime I drive her .. I fall in love with her.
I am taking her to Konkan side of Maharastra this december . Will keep you posted.

Friday, June 3, 2011

ಲೈಫು ಇಸ್ಥೆನೆ

ಕಂಪ್ಯೂಟರ್ ಅಲ್ಲಿ ಬೀ.ಈ. ಮುಗಿಸಿ
ಕ್ಯಾಮಪಸ್ ಅಲ್ಲಿ ಕೆಲಸಾ ಬಾಚಿ
ಸಾಫ್ಟ್ವೇರ್ ಕಂಪನಿ ಬಂದು ಸೇರ್ಕೋ .. ! ಲೈಫು ಇಸ್ತೇನೆ

ಊರಾಚೆಯಲಿ ಟ್ರೇನಿಂಗ ಮುಗಿಸಿ
ಕಾಪಿ ಹೊಡೆದು ಕೊಡು ಬರೆದು
ಓಡಿ ಬಂದು ಪ್ರಾಜೆಕ್ಟ್ ಸೇರ್ಕೋ .. !ಲೈಫು ಇಸ್ಥೆನೆ .. ಪಂಚರಂಗಿ ಪಾವಂ ಪಾವಂ

ಎರ್ರಾ ಬಿರ್ರಿ ತಿಂದು ತಿರಿಗಿ
ಗೂಗಲ್ ಹುಡುಕಿ ಮಾಡುಲ್ ಮುಗಿಸಿ
ಆನ್ ಸೈಟ್ ಅಂತಾ ಹೊರಗೆ ಹೋಗು .. !ಲೈಫು ಇಸ್ಥೆನೆ

ನಮ್ಮ ಮಂದಿ ಪಾಪದವರು ಸ್ವಲ್ಪ ಹಂಗೇನೆ
ಗೂಗಲ್ ಬ್ಲಾಕು ಮಾಡಿ ನೋಡು ಪ್ರಾಜೆಕ್ಟ್ ಗೋತಾನೆ ..

ಕ್ಲೈಂಟ್ ದು ಕಿರಿ ಕಿರಿ ಅಯ್ಯಯಪ್ಪೋ ..ಮ್ಯನೆಜೆರ್ ಕಾಟ್ ಸಾಕಪ್ಪೋ ..

ಹಗಲು ರಾತ್ರಿ ಕೆಲಸಾ ಮಾಡಿ
ಮೋಟೆಲ್ ಅಲ್ಲೇ ಅಡುಗೆ ಮಾಡಿ
ಸಂಡೇ ಮಾತ್ರ ಫೋನು ಮಾಡು .. !ಲೈಫು ಇಸ್ಥೆನೆ .. ಪಂಚರಂಗಿ ಪಾವಂ ಪಾವಂ

ಹಂಗು ಹಿಂಗು ಲೆಕ್ಕಾ ಹಾಕಿ
ಇಪ್ಪತ್ತು ಲಕ್ಷಾ ಸಾಲಾ ಮಾಡಿ
ಫ್ಲಾಟು ತೆಗೆದು ಬಡ್ಡಿ ಕಟ್ಟು .... !ಲೈಫು ಇಸ್ಥೆನೆ

ಎಕ್ಷ ಕುಎಸ್ ಮೀ ಸೈಡ್ ಪ್ಲೀಸ್ : ಸಾಲದಕ್ಕೆ ಪೆಟ್ರೋಲ್ ಕಾರ್ ಬೇರೆ .. ಪಂಚರಂಗಿ ಪಾವಂ ಪಾವಂ

Monday, June 28, 2010

Changing Font in Source Insight

Options - > Documents choose default in the combo box "Document Type"
And now change the font by clicking "Screen Fonts". Choose your favourite font and happy browsing.

Tuesday, May 25, 2010

Baz Luhrman's sunscreen

Enjoy the power and beauty of your youth. Oh, nevermind, you won't understand the power and
beauty of your youth until they've faded, but trust me in 20 years, you'll look back at photos of
yourself and recall in a way you can't grasp now how much possibility lay before you and how fabulous
you really looked. You are not as fat as you imagine.

Don't worry about the future, or worry, but know that worrying is as effective as trying to solve an algebra equation by chewing bubblegum.

The real troubles in your life are apt to be things that never crossed your worried mind: the kind that blindsides you at 4pm on some idle Tuesday.

Do one thing every day that scares you.

Sing.

Don't be reckless with other people's hearts; don't put up with people who are reckless with yours.

Floss.

Don't waste your time on jealousy. Sometimes you're ahead, sometimes you're behind. The race is long, and in the end, it's only with yourself.

Remember compliments you receive; forget the insults. (if you succeed in doing this, tell me how).

Keep your old love letters; throw away your old bank statements.

Stretch.

Don't feel guilty if you don't know what you want to do with your life. The most interesting people I know didn't know at 22 what they wanted to do with their lives; some of the most interesting 40 year olds I know still don't.

Get plenty of Calcium. Be kind to your knees -- you'll miss them when they're gone.

Maybe you'll marry, maybe you won't. Maybe you'll have children, maybe you won't. Maybe you'll divorce at 40; maybe you'll dance the funky chicken on your 75th wedding anniversary.

Whatever you do, don't congratulate yourself too much or berate yourself, either. Your choices are half chance, so are everybody else's.

Enjoy your body: use it every way you can. Don't be afraid of it or what other people think of it; it's the greatest instrument you'll ever own.

Dance...even if you have no where to do it but in your own living room.

Read the directions (even if you don't follow them).

Do not read beauty magazines; they will only make you feel ugly.

Get to know your parents; you never know when they'll be gone for good.

Be nice to your siblings: they're your best link to your past and the people most likely to stick with you in the future.

Understand that friends come and go, but what a precious few should hold on. Work hard to bridge the gaps and geography and lifestyle, because the older you get, the more you need the people you knew when you were young.

Live in New York City once, but leave before it makes you hard.

Live in Northern California once, but leave before it makes you soft.

Travel.

Accept certain inalienable truths: prices will rise, politicians will philander, you too will get old; and when you do, you'll fantasize that when you were young, prices were reasonable, politicians were noble, and children respected their elders.

Respect your elders.

Don't expect anyone else to support you. Maybe you have a trust fund, maybe you'll have a wealthy spouse, but you never know when either one might run out.

Don't mess too much with your hair or by the time you are 40, it will look 85.

Be careful whose advice you buy, but be patient with those who supply it. Advice is a form of nostalgia; dispensing it is a way of wishing the past from the disposal--wiping it off, painting over the ugly parts, and recycling it for more than it's worth.

But trust me, I'm the sunscreen.

http://www.youtube.com/watch?v=I5NAPZp2w-o

Wednesday, December 23, 2009

All Government Links

Monday, December 7, 2009

Do it yourself guide for BESCOM meter & deposit transfer

This I have copied from our office mailer. I wanted to share this with all. I owe a lot of thanks to Nitin.

For benefit of those owners who have not transferred name and deposits transfer to their name from previous owner/builder, here is the list and procedure to do same yourself.

List of Documents:

(1.) An application on plain paper addressed to Additional Executive Engineer. S7, BESCOM quoting RR number, previous owner and sale deed registration date.

(2.) NOC from previous owner for transfer addressed to AEE (As in 1.).

(3.) Power agreement (200 Rs) & indemnity bond (Rs 100) - Available at Gowri electrical at Kundalahalli Gate just before Silver line bakery). Ready proforma for applications in (1.) & (2.) are also available with him.

(4.) Sale deep copy - If original is there carry it otherwise get copy notarized or collect a paper from home loan vendor in this regard)

(5.) Field Report to be given by J.E. in BESCOM office on Ryan school road.

(6.) Khata Copy

(7.) Latest electricity bill

Transfer fee: Rs 100

Procedure:

1. Collect all above papers except (5.), punch & file in a hard folder. (This is required as BESCOM people will not do anything without it.)

2. Fill all details & go BESCOM office at Ryan school road. J.E. (Narayan swamy) will ask installed load (Bulbs+ fans+TV+ heater, fridge etc) .

It is possible that your installed load will exceed sanctioned load. So be careful while you mention installed load. Ensure that your stated load does not exceed your sanctioned load as mentioned in your current bill. This report scribbled on your application states that meter is working & total installed load is so much.

3. Take one witness's address & signature on documents in (3.)

4. Go to S7 BESCOM office near old airport and go to account officer ( A lady employee). She will check all papers & will direct you a clerk. Please carry originals for all submitted copies.

5. If all papers are right, you will be directed to pay Rs 100 as transfer fee.

6. You will be asked to come after 1 week (as a procedure ) to collect transfer paper. If there are multiple co-owners in property and you are getting meter & deposit transfer to one of the co-owners, other co-owners need to give a letter stating that they don't have any objection in transferring to other co-owner. This letter is addressed to AEE.

Note: AEE of S7 Bescom is One Mr Ravindra. He sits in same office. His cell number is available on bescom website. Meet him if you face any problem. Maximum time for transfer is 7 days after submitting all required papers.

Wednesday, October 7, 2009

One Line Flirt

Last Sunday I was going through the times life style column which was about the impressive lines for which girls fall for. The article was quite interesting for the flirty minds. It was all about how to make a girl to remember you by a single line statement. One of the all time popular statement which worked went like this "Apart from being beautiful, what do you do for living ?" and the another went like "Do you have the map ? I might get lost in your eyes".

I am sure the guy who made these statements is not software engineer :((. It is not fair to expect too. In case even if tries it out, I feel the following would come from his mouth.

# Do you have lenovo T60 charger, I can't afford to take my eyes off from your blue top wallpaper.

#Would you like to be my first instruction in my main() function of marriage ?

#Apart from being beautiful, do you write code too ??

#I want my daughter to inherit your beauty. Will you marry me ?

#I would like to include you as necessary header file in my life.c. Do you give the rights ?

# I need you by my side to share and care whenever I get "Segmentation Fault".

#Nothings in this universe gonna change my love for you, except my customer late night calls.

#Love is just not staring at each other but is looking at the same direction, I am ready to quit my job and join your company.

#You are my destiny, my desire. Let's live happily forever once this project gets over.

Poor guys..!

Friday, May 8, 2009

ITಯ ಅಂಬಾರಿ

ಆಧಾರ ನೀನೆ ನೀಡೊಂದು JOBuuu
ಬಂತೀಗಾ Recession ಗಾಳಿ
ಕಂಗಾಲು ಆದೆ, ಕೊಡಿಸೊಂದು ಕೆಲಸ
ಕನಸಲ್ಲಿ ಕಾಡು ದಾರಿ
ಕೊಟ್ಟಂತ ಕೆಲಸಾ, Fevicoliನಂತೆ
ಎಂದೂ ಜೊತೆಗಿರಲಿ .... ITಯ ಅಂಬಾರಿ

Thursday, April 2, 2009

ನಗಿಸಿ ನಗಿಸಿ ಇಡ್ತಾರೆ

ಸರೋಜಾ : ಏನ್ರಿ ಕಮಲಾ ನಿಮ್ಮ ಯಜಮಾನರು ತುಂಬಾ ನಗಿಸಿ ನಗಿಸಿ ಇಡ್ತಾರೆ.
ಕಮಲಾ : ಹೌದ .. ನನ್ನ ಇವತ್ತಿನ್ ವರೆಗೂ ಒಮ್ಮೆ ಕೂಡ ನಗಿಸಿ ನಗಿಸಿ ಇಟ್ಟಿಲ್ಲ ಕಣ್ರೀ
-- ಶೇಂಗಾ ಗ್ರೂಪ್

ಹೊಟ್ಟೆ ಪಾಡು

ಕಲ್ಲಪ್ಪ : ಏನಪಾ ಮಲ್ಲ್ಯ ನಿನ್ನ ಮಗಾ ಏನ್ ಮಾಡಾತಾನು ?
ಮಲ್ಲಪ್ಪ : ಏನ್ ಹೇಳೋದು ಲೇ ಊರಾಗ ಕಾಲಿ ಅದನೂ. ಹಂದಿಗೆ ಕಲ್ಲ ಎಸಿಕೊಂತ ತಿರಗ್ತಾನು.
ಕಲ್ಲಪ್ಪ : ಅಯ್ಯೋ ಪಾಪ . ಹೆಂಗ್ ಪಾ ಮತ್ತ ಹೊಟ್ಟೆ ಪಾಡ ?
ಮಲ್ಲಪ್ಪ : ನಾ ಇನ್ನ ದುಡಿತೆನು ಅಲ್ಲಪಾ ...
ಕಲ್ಲಪ್ಪ : ನಿಂದ ಅಲ್ಲ ಪಾ .. ಪಾಪ ಆ ಹಂದಿ ಗೊಲದು ...
-- ಗುಂಡಪಿ ಚ.ಅ.

Monday, August 11, 2008

The Bug and the Weekend

How can miss a chance to put a little blade, when I have opened this blog to scrub some crap, like always I do. Well.. Saturday morning I woke up at sharp 7.. trust me I did. I was in office at sharp 8:30 to look into some customer found bug. Started my as usual weekday life on week end too by logging in to gmail and Microsoft outlook. Opened the bug page. Stared the monitor with forcefully widened eyes and found that, the status of the bug was same. Nothing is been updated. I stared my code from different angels, it did not understand neither my feelings nor my emotions.

I was little lazy to check out the files and make changes and compile it and test. Frankly speaking I was not lazy, Instead I was told to think differently and also to fix the issue by thinking "out of the box". I tried a lot but neither my vi editor nor my VxWorks did not understand anything. Blamed linux for not having intelligence to understand the pain of the developer on Saturday. However made up mind to look at the code seriously to fix the issue. Started with entry point and traced the code till the exit, including all the functions. Everything looked fine. Traced again, still felt code should work. Felt that is why i am still a developer. Though of junking the bug, But tester had logs in which output was wrong. Junking option is ruled out.

The immediate thing flashed in my mind was " how about differing this bug" to next release. I felt happy as I got the best idea. I have a bad habit of taking coffee when I get such great ideas.. Went near coffee machine. To my surprise I met release manager and talked about this bug with her. After half an hour of discussion she convinced me that "It is a MUST FIX". All my dreams shattered. I felt like running away from this software. I cursed the tester for rising this bug on Friday evening.

Well it was 12:30, when I was back to my seat. Made a strong decision to trace the code line by line this time. To my surprise again all the lines looked perfectly fine. Felt testing the best job. Though of saying bye to this development job and saying Hi to testing job. But however I had to fix the issue, even if I decide to switch the job also. Went for lunch and on the way back to office after lunch made up my mind to at least put prints and see what is happening. When I came back and tried connecting to server, connection got timed out. Server was down for some migration. I cursed myself for wasting time from the morning. When I called up IT desk, I came to know that, servers will be down for 30 minutes. It was then I decided to do some "orkuting" and "youtubing". I lost myself in the world of little faces on the orkut and soccer videos of youtube. I only realized it was 5, when my friend called me to ask me whether I am joining to play cricket with them. I replied him that I am very very busy today as I have to fix some bug and I cant come. I went out for a coffee and returned at 5:45. Checked my mails again and had to leave for my marriage shopping and left the office.

I decided to come back to office on Sunday and work on it. Felt "Sunday and office" Naa!!!!!!!! Somehow I don't like this combination on Sunday morning. So started my day by skipping the breakfast and went to hotel straight for the lunch. It was a good day, though bug was running as a background process. With all this how can I resist myself "not to hate Monday morning"

Tuesday, June 3, 2008

One Night With Nature

"Feelings change But memories Don't ".

"One night with nature" is my first lazy outing I had so far. Well, even though it was a lazy outing I would say I cant forget this night. I would love to cherish those moments, probably when I sit with the same pals in some pub at my late forties.

Well, it was me, vinay(mamu), pradeep(reddy) and arif sipping a drought beer at Guzzler's Inn planned to go out of Blore on the coming week end. Guess what ! Four guys.. ....and discussion ended up with five destinations. We started with Jammu and ended up in Kanyakumari, still were not sure where to go. Couple of the days passed and guys remained silent as if nothing happened or discussed on the Friday evening. Somehow after forty odd mails got exchanged, we decided to gather to a common place and toss a coin to decide the destination :(. Later reddy's effort was enough to book the Home stay for us right in the middle of the thick forest and this decided our destination.

Alright, On saturday morning Vinay drove his OPTRA(magnum) all over the blore to pick everyone of us. It was 6:45 when we hit NICE road, the thrill started from here. Mamu made 2.0 engine to roar to point the needle on the speedometer to 188. It was an stunning experience for me. After the speed testing, we joined mysore road and were able to race it only up to 140 max on that road. However we managed to reach hotel Dasprakash in mysore for breakfast within two and half hours.

Trust me this is the best scrumptious, yummy breakfast I ever had while traveling. Reddy made sure that everybody had adequate quantity for their first meal of the day.

After everyone repleted, as usual arif started complaining about so called stomuch..... But this time looked like mamu was not much intersted to suggest him anything. It was the time to say bye to city of palaces. We maneuvered our car towards HUNSUR and at the deviation steered towards our left to reach GONIKOPPALU.This drive was awful as it was the gateway to the dense forest. From Gonikoppalu we drove to a village called T.Shettihalli. Even this drive was awesome as we had dense forest on both the side of the roads and AC was off in the car and windows were down. Mamu's car was driving him crazy and the cool breeze was driving all of crazy. When we just neared Rajiv Gandi National Park, the view of the lake between the bamboo trees made us half-baked. It was something like it looked as if it is very easy to reach the lake through the bamboo forest, But it was not that easy. Anyway we didn't get out of the car.

It was almost 1:30 when we finally hit our destination called "Mountain Mist Jungle Stay" located in KKR estate, which is right in the middle of the dense green forest.
One single house near the natural pond which is surrounded by the thick forest and around 35 km away from the place where one get see some people movement. It was a house totally detached from the world. Forget about mobile signal or TV , They did not even had a power connection.

Well all of us had a great lunch and admired nature by looking at the peak of the mountain located at the border of Karnataka and Kerala. Giving break for short period started playing the short pitch cricket. More often Reddy or Arif use to hit ball into the jungle and we spent more time in searching for ball rather in playing. Later we converted that short pitch into full pitch and started playing. This was the remarkable part of our outing. Boys played enough and sat

for round table conference in that small ground, the extended sides of which are encircled by forest. By the time coffee with bajji and sweets was served by aunt all of us were deep into the topic of "Improving Farmers life in India". The discussion ended up with the conclusion that "Retail is going to be biggest boom and hence invest".This is how we improved the life of farmers.

Finally the most awaited part of the outing took its charge as it was 8 o clock. Within no time everybody said "CHEERS" sitting in front of the camp fire arranged.
Though all our watches read the time as 8 o clock, it veritably was looking and feeling as if midnight is been passed already. I felt I am on top of heaven during this time. What else do u need ... Totally detached from the world, You are with the best pals, clear sky on your head, shuddery sounds from the forest, camp-fire, absence of your manager and most important "Chilled Beer" can in your hand. Spoke some nonsense for hours sipping the drought beer. Then realized the fact that its still 10 and we can not afford wait till breakfast. Hence headed for dinner.

After having delicious dinner, came back to the same spot and started arguing on "Software company Modeling and Policies". Poor engineers were not able to reach conclusion this time.
Hashed out about some crap for hours together and surrendered ourselves to sleep.

By the time I woke up in morning, Mamu, Arif and Reddy were enjoying the nature and Pranab was enjoying his sleep. Went for a walk in the jungle. When we went inside the smell of the decayed leaves with wet soils made us crazy. After a long walk boys returned to the nest and had a breakfast and drove back to mysore. We had our lunch in my house and headed to blore.

Overall it was a great experience, as we enjoyed every second of the trip.

The route
Bangalore <-> Mysore<->Hunsur Road <->GoniKoppal <-> T Shettigiri <->KKR Tea Estates
Contact to book the Estate : Ravi/Swathy
08274 317663 / 9449334801 / 9480556670

Wednesday, April 2, 2008

Ronaldo: The True Devil

Cristiano Ronaldo "has the world in front of him". The red devil fans are very eager to know "Can Ronaldo beat Denis Law's total of 46 set in 1963-64?? ".
This season being the best for ronaldo already has 34 goals against him. Ronaldo has another 12 games left in the current season, if he plays every match and Manchester United reach the Champions League final. Considering a goal per match this red devil will write his name in golden pages of the old tarfford heroes.

Myself being die hard fan for portugal winger, I feel he can even touch magical 50 this season. He curse himself if he gives rest to his feets on the ground. Runs like a white horse when he is away. Cuts the ball like a true red devil in the home. Even though he has a dream to play to spain before he says bye bye to soccer, he will be MANU's bull for long time.

Look at the way Alex Ferguson glorifies my football hero !! I just love reading it again and again.

When George played as a winger I don't think he ever stayed still. He roamed from side to side - he played on the right, the left and through the middle," The Sun quoted Ferguson, as saying.
"I've looked at Best's goals and a lot of Cristiano's are similar. He starts from wide positions before cutting inside. The boy's in tremendous form right now,"
And Ferguson also feels there are similarities between Ronaldo and another world great footballer - Diego Maradona.
"His form is absolutely fantastic, there is no end to where we think he can go,"

Though Red Devils started the season with most of the goals against them, Now they are on the top of EPL with 76 points. The way they played this season was just awesome. Lets see who will snatch the cup??

Tuesday, March 25, 2008

SUGGI - 2008 Tradition Continues

"Why do you Knock at the heaven's doors.... You are at the right place" ...Wondering what I am talking about OR Thinking this kid has gone mad now ??
No.. Not yet. It would have made sense by this time if u were part of RBDGTC family and would have enjoyed the yearly program called SUGGI.

Well... It was 22nd of March a cloudy Saturday in Bangalore. I was not able to see the blue sky, But on the same day I ended up enjoying with the "Band of Boys in Blue". It was almost 4 o clock when we three(Myself, Borgal and Girya) reached the hostel gate. Parked our bikes in hurry, and walked with curiosity to see how our juniors have arranged the farewell stage to honour their seniors. We all headed towards the "The Bell" function hall. I became standstill and speechless when I saw the suggi banner, Sri Totadappas photo in Rangoli and decoration of the stage. I uttered just Awesome, Excellent !!!

After hearing a moralistic speech from the morning, guys and gals were desperate to drift themselves to the most interesting part of the suggi called "Cultural Events".
I would call it as Talent Showcase Show rather than cultural event. Anyway who cares for the name ... Most of us think about the cognitive content.
Well..! it started with dance from "Taraa Taraa Taraa Nanna Taraa, Illi Yaaru Illa Kane Nanna Taraa", the magnificent dance from our junior. The way he danced for this song was just classic. And as usual you are bound to hear some screams from the crowd. Those screams, those comments and the group dance on the floor without caring what's happening on the stage was just great to watch.

Moving forward, when master of ceremonies announced "Next is group dance from band of girls" .. Our boys started screaming like a hell, Master could not help :)
The group dance was the perfect blend of songs from the movie JOGI.. It was an awesome performance. I liked the way our boys at the doors of the heaven responded to the performance. They cheered all the girls on the stage. I still remember one guy shouting his room number when one of the girl was asking the crowd "Ello Jogappa Ninna Aramane? " .. :) For every question in the song at least one boy had an instant answer ready. I enjoyed those the most. This dance was followed by "Modern Babruvahan" drama in the bar. It was simply fantastic.

After couple of such dances and skits, our guys started making and running the train without the track. The one thing I could not understand was "Train use to turn towards the right all the time, where girls were sitting :) .. I though right side track was probably closed for maintainance. The program was really coming to an end..

Guys and gals with no mood to return struggled a lot to make up their minds to return back. Before they headed to have the dinner, it was TRILOCHAN who asked all the final year students to gather on the stage. Trust me it was scene which filled my eyes with tears of joy.
All the final year students were on the stage .. Some were standing and some were sitting just to make photographer's job easy. When they made comfortable themselves with their positions and said cheese for couple of clicks, I was really in tears cherishing memories of my engineering days. I fall short of words if I try to glorify the moments which caressed my heart.

Finally the bell rang and all maneuvered towards the mess. After a loooooong time I had a chance to taste the best food. I was in hostel for couple more hours after dinner, as we had to practice the skit. All guys with their respective groups were talking about only one thing .. Guess what ??......... Yes you are right. :)

It was Sunday morning, I decided to move to hostel at 2 as alumni's slot was from 2:30 to 4. I could not resist myself, So I was in hostel by 12:30. All boys calmly listened to the moral speech by our hostel trustees till 3 :) ..and the roller coaster ride of fun called "cultural Events" was about to start. All boys were impatient.. and we alumin guys started preaching them importance of communication, interview techniques bla bla.. . The good part part was they listened to it .. Atleast did not shout back at us to stop :)

The second cultural day started with band of girls dancing for "Mauja hi mauja" from the movie 'Jab We Met".. This time guys did not make train as it is little old technique ... They started parade. Unfortunately this time also leader turned towards his left and stood in front of girls and respected them with Namaskara. After that the program was followed by some awesome skits like modern Mahabharat, Cricket demo and some beautiful dances like "Jinke Marinaa Jinke Marinna" etc.I would say it was very funny to see.... Totally I enjoyed my time there.

Thanks to all juniors for executing this year suggi in a wonderful way. Also I owe thanks to you guys for helping me to cherish my memories of "Best days of my Life".

Sunday, March 16, 2008

Few Liners For Fun -1

It's not the one which I felt like writing some crap as usual and sat down and wrote. It's just my attempt to recall my some of the best incidents I have come across and scrub them here absolutely for fun.
Though names have been changed, most of them have happened with me :)

It was Mr.Blinton on brigade road who stunned with amazing technology Indians use to park there cars right in middle of the road, which is both side covered with environment friendly green sheets.
He asked his driver "which company has executed this project"?.
Immediately driver said "Sir it is not company, its Kumarswamy's metro project and that is not parking lot.
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The federal government's Department of Transportation's cheif was on vacation in Bangalore, When he saw green signal started blinking at trinity circle, he got confused.
He asked the auto driver "I have never seen blinking green.. what does it stand for in traffic rules"?
Driver said "Sir Bhat it sayssss iss, if you guts you go" means "Power iddare Hogu anta saar" Aste.

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One day teacher asked in B'lore school "why do rest of the western countries feel Indians are adventurous?"
The boy in the last row uttered.. Because we cross the road from anywhere and everywhere :)
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Genius software engineer was returning to his native on Friday evening without reserving the bus ticket.
In the bus stop he searched his pocket to find something, that can be thrown from the window to confirm a seat for him.
When he got into the bus neither the seat was free nor his valet was there.
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Wednesday, February 27, 2008

A Domain Called GHOST

Mr. Gill Bates dead and due to the bugs he left in Bindows and the Bindows usres all over the world cursed his soul not to find rest. His soul was wondering in the IT world of ghosts, where they have only linux installed on everyones palmtop and notebooks. Not every soul is lucky enogh to get into such a secured domain.However Gill's soul made it.When Mr. Gill's soul got assigned an IPV6 address as a part of the first formality completion to be a a part of GHOST IT domain. As soon as Mr.Gill found IP address for himself, he attended New Souls Orientation(NSO) program. He was given "Senior software Soul" offer letter from the HOD of the Advanced Routing Technology business unit. When NSO started, he was hoping that at least someone will call him on the stage to address, But he ended up only in listening to them. He was the last one to go out the room as other souls left the program and attended the program remotely through telepresence or IPTV. He was stunned to see the development there.

When NSO got over, he asked for his cube, all the souls started laughing at him. IT support head soul explained him that wireless is enabled everywhere, and near lake and golf grounds there will be Wi-Fi connectivity too and also Wi-Max is expected to be in operation by this afternoon, Sonone requires a particular cube here.

Mr. Gill become speechless and started wondering if all these were there for My-Soft-Crew....... It was then he remembered his notebook had only linux installed and his is very dumb in it. Immediately he opened a case with IT support team requesting them install Bindows Pista on his notebook. Within fractions of seconds he got the reply like the following.
Dear Sir,

It is not like Your-Soft-Crew company, which takes minimum 48 hours to address the simple problem and give bullshit resolution to it, That is why you are reading this message so soon. We are proud to say that we do not support dual boot and even if we plan to do it the future defenitely it wont be any of the Bindows flavors like pista, badam, karjur etc in addition with linux.

Please note that you will be trained on linux with some fresher souls from tomorrow morning. If this does not answer your question please be feel to contact us on
3ffe:501:8:0:260:97ff:fe40:efab OR 3ffe:1900:4545:3:200:f8ff:fe21:67cf.

With Love,
IT support Team
GHOST Domain.

Mr.Gill Bates was in deep shit by now. Before he could finish this letter, there was one more message waiting to be read in his inbox. Stressed Gill somehow managed to open the mail and fainted. After knowing his poor knowledge in linux, Ghost domain soul CEO degraded him from Senior Software Soul to Software Soul Trainee.

Thursday, February 21, 2008

ಸರ್ವಿಸ್ ಕಂಪನಿ ಅಲ್ಲಿ ಕೆಲಸಾ ಬಿಟ್ಟು

It was last sunday I listened to the beautiful track "Gubbachhi Goodinalli" from Bindaas ..
I dont know why, I liked it very much and was murmring the same song for two to three days ..
When I use to forget the lyrics, I use to make my own sentences there just to follow the tune,.. Trust me the following remix is the result of my bad memory :)

ಸರ್ವಿಸ್ ಕಂಪನಿ ಅಲ್ಲಿ ಕೆಲಸಾ ಬಿಟ್ಟು
-----------------------------------------
Service company alli kelasa bitti
Iddiddu onsite Gella MooTe Katti
Inta nooru options yaaru tandoru ee IT ge Ye ye ..

Service company alli kelasa bitti Kelasa bitti !!

Bere company calluuu
Offerina Jotegeeee
Nodida aa kshanaa
Shuruvayithu ramayana aa

Bidisittu offer mundeee
Nodida aa galigeee
Yochane madade
Paper na hakideee ...

IT vondu, sambala sindu
Ellarigu Endendigu ye ye

Service company alli kelasa bitti
Iddiddu onsite gella moote katti
Inta nooru options yaaru tandoruu ee IT ge Ye ye ..

Nanna CV mele
Hosa company hesaru
Ellaruu Andaru
Settlu nivibbaru

Noraru problem listu
Nanagagiye kottaru
Madalu aagadu
IT ye antadu ....

IT seri sambala dari
Hideve endidigu .. ye ye

Service company alli kelasa bitti
Iddiddu onsite gella moote katti
Inta nooru aashe yaaru tandoru ee IT ge Ye ye ..

Sunday, January 6, 2008

Home Loan Demystified

The age of desiring to own a house is rapidly coming down now a days. For our previous generation making a house of their dream was their life time compilation.They bough their house when they were close to retirement.The young generation would like to own a house before they cross their thirties. This mentality is the results of high earning capability and bank loan availability. Even though most of us know, bank loan for house is the one way to dream a dream house and save large amount of tax, many are still in confusion with certain things. I have tried my best to clear it. I owe thanks to Times Property.

To make this mystery a little clear, let me divide this into two sections.
i) Home loan fundamentals
ii) Tax Benefits over it.

Home Loan Fundamentals

The first basic we need to know is we own a home, while still repaying the loan. This is the kind of the loan, which is as good as investment, which lets you own an asset that has multiplied manifolds in its value. You end up paying manifolds return in the form of interest for the amount you bough the loan. But at least it's works out as savings at the end, which wouldn’t have been possible if you were tried to accumulate it.

Now coming to the point banks gives the loan for constructing a new home or buying already constructed home/flat or residential plots. Even banks re-finance the existing home loans. The amount that one can avail depends upon their salary, age, educational qualifications, history of any loan availed before from the same bank or other banks. One can club his earning with any of the family member (spouse, father, mother, brother) to avail more loan. Typically bank lends the money for which EMI outflow is 30 to 50 percent of your salary. I feel personally to make EMI's which works out to be 40% of the take home salary to avoid the burden at any point of time.

Now question arises is what this EMI at all ?? Well, EMI stands for Equated Monthly Installment. EMI is sum of the principal and interest amount that borrower pays towards the bank on monthly basis for the amount he has barrowed from the bank. EMI repayments commence when u take a full disbursement of the loan amount. Pending final amount disbursement, barrowers only pay interest on the amount disbursed. This is called pre-EMI. During initial years of the repayment barrower ends up paying huge interest amount and less principal. As the years goes by the case will get reversed.

Now coming to types of interest rates, banks offer three flavors of interest rates floating, fixed and hybrid. In case of floating rates interest rates fluctuates with the pre-vailing market rates. Barrowers who offer the floating rate should make their mind ready to pay more if market goes up and enjoy the low interest rate if its goes down. On the other hand fixed rate remains same for the entire tenure of the loan, But very less banks offers this. Most of the banks offers you the fixed rate only for short tenure. Meaning, let us say bank offers fixed interest rate for 5 years. They reset the interest rate after 5 years. Along with these two the third flavor is more flexible even though less popular. In case of hybrid rates, bank gives you options to lock certain amount for fixed rate and lock the remaining for floating rate. Usually good to opt for this, locking 50% for floating and remaining 50% for fixed. :)

Even though there are many EMI calculators available on the net. I am just letting u know, using what formula it is calculated.

EMI = (L*I) * {(1+I)^N/((1+I)^N-1)}

Where, L = Loan Amount
I = Interest rate (rate per anum divided by 12)
^ = to the power of
N = Loan period in months

You can also use online calculator from here. http://www.hdfc.com/calculator/emical.asp

Tax Benefits over it

This is the most interesting and confusing part of the home loan. To state in a simple sentence barrower can avail tax benefits on both principal and interest components. The repayment made on the principal amount from the barrower can be claimed under section 80C. The maximum amount that can be claimed under this section is Rs 1 lakh. Apart from the principal amount repaid this limit includes provident fund from the employee side, public PF, LIC premium, equity linked saving schemes of MFs investments, infrastructure bonds, pension plans etc. The repayment made on the interest component can avail the tax benefits under section 24. The maximum limit here is 1.5 lacks. There are no other components under this section as there were few for 80C. However this limit of 1.5 lacks is only for self occupied property.

So let us take an example to understand this better. Assume Gundapi total taxable income is 5 lacks. he can claim 1.5 lacks under section 24, which is the interest component of the laon for a year. Thus leaving 3.5 lacks as taxable income now. Assuming his contribution for PF from his salary is 50K, and his LIC premium per year is 25K, concluding both he can claim for 75K under section 80C. Now he can claim only 25K under section 80C as the repayment made for principal amount, even though he has made more than 25K as repayment towards principal.

The first house with tax benefits from under section 80C and under section 24 is viewed as the self occupied property. One can avail tax benefits on both the principal amount as well as interest amount on this. However if you invest in second house, it is not treated as the first one for tax benefits. The second property is treated as it is rented out. So homeowners can not claim the principal amount for tax benefits under section 80C. However there is no upper limit for claiming for the tax benefits under 24C. Meaning for second property one can claim the full amount which is repaid to the bank as the interest component.

For example, If one already owns a home(self occupied) for which he has home loan and availing tax benefits of 25K under section 80C and 1.5lakh under section 24.
If he wish to go for second property with home loan, he can still avail tax benefits over it too. Assuming he pays 2 lacks as principal amount, and 2.5 lacks interest in a year. For that year he can not claim any amount under section 80C. However he can avail tax benefits on complete 2.5laks under section 24.

Probably this information did not increase the confusion :) .. Still there are things to be written about the tax implications over the property, and POA.

Tax implications meaning What if I sell out my property after 2 years or after 5 years ?? etc. I will discuss about it in my next blog.

Anyway Bangalore is growing like anything in all the directions. Currently not many developments are seen on Bangalore west. However Master plan 2015 is been designed to develop IT sector along mysore road. So even though many says real estate prices are going down, this applies to the areas where there are excess. Even though rates have gone down, they are still not yet reachable to common man. However I feel this is the correct time to buy a property in Bangalore.

Happy Tax savings :)