Absolutely amazing!

Beauty of Mathematics !!!!!!!

1 x 8 + 1 = 9
12 x 8 + 2 = 98
123 x 8 + 3 = 987
1234 x 8 + 4 = 9876
12345 x 8 + 5 = 98765
123456 x 8 + 6 = 987654
1234567 x 8 + 7 = 9876543
12345678 x 8 + 8 = 98765432
123456789 x 8 + 9 = 987654321

1 x 9 + 2 = 11
12 x 9 + 3 = 111
123 x 9 + 4 = 1111
1234 x 9 + 5 = 11111
12345 x 9 + 6 = 111111
123456 x 9 + 7 = 1111111
1234567 x 9 + 8 = 11111111
12345678 x 9 + 9 = 111111111
123456789 x 9 +10= 1111111111

9 x 9 + 7 = 88
98 x 9 + 6 = 888
987 x 9 + 5 = 8888
9876 x 9 + 4 = 88888
98765 x 9 + 3 = 888888
987654 x 9 + 2 = 8888888
9876543 x 9 + 1 = 88888888
98765432 x 9 + 0 = 888888888

Brilliant, isn't it?

And look at this symmetry:

1 x 1 = 1
11 x 11 = 121
111 x 111 = 12321
1111 x 1111 = 1234321
11111 x 11111 = 123454321
111111 x 111111 = 12345654321
1111111 x 1111111 = 1234567654321
11111111 x 11111111 = 123456787654321
111111111 x 111111111 = 12345678987654321

Cheers,

Kamal

*Year 2005 -2006 , Some of the well known builders  started the rates boom , flat which was at the cost of   Rs.900 Sq Ft  now became 2200 to 2800

Q: Are there any additional facilities ?

 --> N--o  Same Scheme/Area , Flat sold at 10 Lacks Now selling at 25 Lacks .

  Q: Why Property increased so High ?

--> IT people competition to buy sweet home ..

  Q: Who is going to Benfit from this Property Boom ?

--> Only Builders and some of the Politicians  

  Q: How is the Bank's support on Home Loans ?

--> Last Year , Bank gave the loan's at flexible mimimum rate,Now Banks has sufficient number of customers ,

  (Trap) Slowly Banker's increasing interst at % 0.5  every month .

  IT People Who bought house for 22 Lacks  for 20 Yrs , Now became 23 Yrs with raise of   0.5 %

  Q. How  some IT people can face the problems in Future ?

--> Companies are  Project Based , If  Projects are there then People will not be there .

  Q. IT salaries are high in Market , How much actually IT-people getting in Hand ?  

--> People, Who bought house of  22 Lacks to 40 Lacks   They need to pay EMI

    15,000 to 35,000  for 20 Yrs. If Bank keeps same interst rates .

     Suppose Salary is 35- 40 K  Per Month, 20K will be the EmI  

  Q. Is there any "Terms & Condition or Processes to increase rates" ?

  --> No , Depends on Buiders Greediness . Every builder follows the different strategies

      Builder sold one flat 1500 Per Sqft  in Morning and 1800 Per Sqft  in the Evening ,

    There are no records maitained ..

Q. Who made builders smart & greedy ?

  --> Fool IT people ..

No body is asking  , Flat was sold at 12 Lacks , Why now 24 Lacks ?

  Q. Is Corporation water & MESB available to all schemes ?

--> Some of the area don't have the Corporation water at all , People surviving on Water Tankers.

     ** MESB  .. Under Table ,can be managed easily .

  Q. What will be the condition If We are not able to Clear the Loan ?

-->  Depends on individual capabilities

Q. What wiil be the actual 'area of living' or carpet area if the builder proposes 1000 sft?

....> The actual carpet area will be 800-850 sft only. The common area is also included in the proposal.

        If two flats are in the same floor, then the builder cheats both the residents by collecting

  How do Builders cheat buyers? ... Let us see with a simple example

    Builder XXXX proposes a flat in a decent residential area.

   Rate ( Unit Price ) - Rs. 3500 sft.

   Registration          - Rs. 40 per sft.

   EB and drainage  -  Rs. 50,000

   Covered Car park  -  Rs. 1,25,000

   Corpus fund         -   Rs. 50000.

For a 1000 sft flat ( 850 sft carpet area ), the approximate cost will be Rs.37,65,000. In the same plot area ( measuring 2 grounds) the builder would have constructed 8 or 10 flats.

Let us see how a builder earns his profit

Total sales for the builder - 37, 65,000 *10 = 3, 76, 50000 ( 3.76 crores)

Cost of the land               -  Rs. 40 laks per ground

1) Total cost of the land                       - 80 lakhs for two ground     -------   A

Total builtup area for 10 flats                - 10*1000 sft  = 10,000 sft

Construction cost per sft ( for normal specification) = Rs. 900 per sft

2) Total construction cost                           - 10,000 * 900 =  Rs. 90,00,000     -------------- B

3) Other expenses for the builder                - Rs. 20 per sft  = Rs. 2,00,000      ................. C

Total expenses for the builder  =  A+ B+C

                                                 =  Rs. 80,00,000 + Rs.90,00,000 + Rs. 2,00,00

                                                 =  Rs. 1,72,00,000 ( 1.72 crores approx)

Total Sales                               = Rs. 3.76 crores - Rs. 1.72 crores

Total profit of the builder          =  Rs. 2.04 crores.

Let us see the share of each resident

1. Cost of land  = Divided share among the other 10 residents

                        = Rs. 80,00,000 / 10

                         = Rs. 8,00,000

2. Construction cost = Rs. 900 * 1000

                                = Rs. 9,00,000

3. Other expenses   = Rs. 2,00,000 ( approx)

  Total                     = Rs. 19,00,000 ( Nineteen lakhs)

The total share for each resident is Rs. 19,00,000 ( Nineteen lakhs only )

but he pays Rs. 37.5 laks for the flat.

Q. How  We can stop Builders -Property Boom ?

         1) IT People  should stop buying flats for  atleast next 1-2 Yrs .

     2) Onces rates are reasonable , With some legal process get the Booking .

     3) Check Facilities, Convince, Road Approach, schools & Mainly co-operation water

     4)  Ask Questions  If I buy 1/2 BHK at 12 to 30 Lacks , Do I get reasale value in future?

     5) Today you are capable for paying 1000 -3000 maintains per month ? Will will be the same case

         after 20-30yrs after  retirement .

    6) In All, Don't stretch more  to get the more & more loans other wise it will create unnecessary  

         pressure and tension .

     7) Read the above mentioned calculation carefully, when you are about to buy a flat pls keep this in mind.

Please read this carefully......Send it to all you know...     ...Act quickly.....Save them from debts.......We can stop the inflation....

Bye,

Kamal

No one will GET second chance to impress....

Very Impressive Questions and Answers..... ...Think of your answers before checking the actual one....... 

Hi, 

May this Diwali bring Peace, Joy & Happiness.
Wishing you & your family a very Happy and Prosperous Diwali.  

 Kamal Sharma

The paradox of our time in history is that we have taller buildings but shorter tempers, wider Freeways , but narrower viewpoints. We spend more, but have less, we buy more, but enjoy less. We have bigger houses and smaller families, more conveniences, but less time. We have more degrees but less sense, more knowledge, but less judgment, more experts, yet more problems, more medicine, but less wellness.

We drink too much, smoke too much, spend too recklessly, laugh too little, drive too fast, get too angry, stay up too late, get up too tired, read too little, watch TV too much , and pray too seldom.

We have multiplied our possessions, but reduced our values. We talk too much, love too seldom, and hate too often.

We've learned how to make a living, but not a life. We've added years to life not life to years. We've been all the way to the moon and back, but have trouble crossing the street to meet a new neighbor. We conquered outer space but not inner space. We've done larger things, but not better things.

We've cleaned up the air, but polluted the soul. We've conquered the atom, but not our prejudice. We write more, but learn less. We plan more, but accomplish less. We've learned to rush, but not to wait. We build more computers to hold more information, to produce more copies than ever, but we communicate less and less.

These are the times of fast foods and slow digestion, big men and small character, steep profits and shallow relationships. These are the days of two incomes but more divorce, fancier houses, but broken homes. These are days of quick trips, disposable diapers, throw-away morality, one night stands, overweight bodies, and pills that do everything from cheer, to quiet, to kill. It is a time when there is much in the showroom window and nothing in the stockroom. A time when technology can bring this letter to you, and a time when you can choose either to share this insight, or to just hit delete...

Remember; spend some time with your loved ones, because they are not going to be around forever.
Remember, say a kind word to someone who looks up to you in awe, because that little person soon will grow up and leave your side.

Remember, to give a warm hug to the one next to you, because that is the only treasure you can give with your heart and it doesn't cost a cent.

Remember, to say, 'I love you' to your partner and your loved ones, but most of all mean it. A kiss and an embrace will mend hurt when it comes from deep inside of you.

Remember to hold hands and cherish the moment for someday that person will not be there again.

Give time to love, give time to speak! And give time to share the precious thoughts in your mind.

AND ALWAYS REMEMBER:

Life is not measured by the number of breaths we take, but by the moments that take our breath away.

Keep Smiling,

Kamal

Stronger Rupee = Stronger India
 
 
Let me ask a question first.
 
 
What type of economic strength is preferable to India?
A) A strong Indian economy fueled by its cheap labor due to a weaker
rupee against dollar, where the Indians end up working in shifts, late
nights, whole nights and what not... only doing low profile jobs which
foreign companies want to offload to India, so that they can concentrate
on high end works and become even better. For instance in IT field,
providing BPO services, support and maintenance work for products...
 
 
OR
 
 
B) A strong Indian economy fueled by its strong innovations and
products, no matter whether the rupee is strong or weak against dollar..
where Indians work only in regular office hours of 9 to 6, developing
cutting edge technologies and solutions, selling our world class
products both inside and outside India. For instance in IT field,
imagine operating systems, compilers, databases etc all coming out of
India..
 
 
I do not deny the fact that the IT boom in India came to a large extent
because of (A). Well and good, we have had the benefits of our cost
being cheap in western markets due to a weak rupee against dollar.. We
have had our share because of this advantage in the past 2 decades..
 
 
But at the same time doesn't it make sense to move towards (B), instead
of crying foul against rupee becoming stronger against dollar?
 
 
What a pity! Indian IT companies are feeling bad because rupee is
becoming stronger against dollar! Reason, their profits will go down
when the value of rupee is stronger, as every single dollar that comes
into their account now means lesser rupee than earlier..(if for instance
earlier they used to get 47 rupees for every dollar that comes in, but
today its less than 40!)
 
 
But isn't this a matter of celebration? Our rupee is gaining importance
internationally and is becoming stronger again.. How many of us know
that in 1947 when India got independence 1 Rupee was 1.2 US dollars?
 
 
These Indian IT companies instead of relying on a weaker rupee for their
profit should now look at coming out with innovative products and
technical solutions. What have these companies done in the arena of core
system products? Why don't we have any operating systems, compilers,
database systems, development platforms etc coming out of India? Why
don't we develop tools like photoshop or flash? We have talent, but they
all are working in American companies on these products.. Cannot our
Indian IT companies setup at least small teams to develop such products?
 
 
Instead they are planning to make their employees work on saturdays too
!
So that their profits can increase due to extra hours the employees put
in.. As if India doesnt have any other option other than cheap labour,
workaholic labor!! Are there no brains in India who can setup companies
developing products and make money just by printing out more serial
numbers and burning their product DVDs?
 
 
If Indian companies continue to depend on its weak currency, then how
would Indian economy survive in a world where all currencies have equal
value?
Survival of the fittest.. Only greater innovation can help us in that
case..
 
 
We need to have knowledge and technological advantage if India wants to
become a superpower, not low cost based cheap labor advantage! Let the
Chinese do it..
 
 
I hope that rupee becomes more and more stronger so that Indians are
forced to use their brains and come up with innovative products and next
generation technologies, than to provide low end services...
 
 
We need to create a situation where other countries line up to buy our
F-16s, to buy our operating systems, to buy our mobile phones and
I-pods, to buy our Boeing, to buy our Mercedes...
 
 
A stronger rupee means we can easily afford foreign trips! This is what
I wrote in one of my earlier blogs.
 
 
"A stronger rupee means Indians can buy things anywhere in the world on
par with developed economies! We dont have to spend crores of rupees
then to buy a Boeing! We don't have to pay tens of thousands of rupees
for international air travels! A stronger rupee means greater
international exposure! There wont be a difference between buying a
Maruti and buying a Mercedes! One can go on a trip to the Grand Canyon
just like the way one goes to Ladakh or Nepal ! How do you think
american citizens are able to tour all over the world? Because they earn
more? No. But because their currency USD is stronger.. and this is where
a strong rupee will lead us to!..."

An American decided to write a book about famous churches around the
> >      World.
> >
> >
> >
> >      So he bought a plane ticket and took a trip to China .
> >
> >
> >
> >      On his first day he was inside a church taking photographs
when he
> >      Noticed a golden telephone mounted on the wall with a sign
that
>read
> >      "$10,000 per call".
> >
> >
> >
> >      The American, being intrigued, asked a priest who was
strolling by
> > what
> >      The telephone was used for.
> >
> >
> >
> >      The priest replied that it was a direct line to heaven and
that for
> >      $10,000 you could talk to
>God.
> >
> >
> >
> >      The American thanked the priest and went along his way.
> >
> >
> >
> >      Next stop was in Japan . There, at a very large cathedral, he
saw
>the
> >      Same golden telephone with the same sign under it.
> >
> >
> >
> >      He wondered if this was the same kind of telephone he saw in
China
> > and
> >      He asked a nearby nun what its purpose was.
> >
> >
> >
> >      She told him that it was a direct line to heaven and that for
>$10,000
> >      He
> >      Could talk to God.
> >
> >
> >
> >      "O.K., thank you," said the American.
> >
> >
> >
> >      He then traveled to Pakistan ,
>Srilanka , Russia , Germany and France
> > .
> >
> >
> >
> >      In every church he saw the same golden telephone with the same
> > "$10,000
> >      Per call" sign under it.
> >      The American, upon leaving Vermont decided to travel to up to
India
> > to
> >      See if Indians had the same phone.
> >
> >
> >
> >      He arrived in India , and again, in the first church he
entered,
> > there
> >      Was the same golden telephone, but this time the sign under it
read
> >      "One
> >      Rupee per call."
> >
> >
> >
> >      The American was surprised so he asked the priest about the
sign.
> >      "Father, I've traveled all over World
>and I've seen this same golden
> >      Telephone in many churches. I'm told that it is a direct line
to
> >      Heaven,
> >      But in the US the price was $10,000 per call.
> >
> >
> >
> >      Why is it so cheap here?"
> >
> >
> >
> >      Readers, it is your turn........Think ......before you scroll
>down...
> >
> >
> >
> >      ..................
> >      ..........................................................
> >
> >
> >
> >      ............................................
> >
> >
> >
> >    
> ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >    
> ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >      ......................................................
> >
> >
> >
> >
> >      The priest smiled and answered, "You're in India now, Son -
it's a
> >    
> Local
> >      Call".
> >      This is the only heaven on the Earth.
> >
> >
> >
> >      KEEP SMILING
> >
Bye,

Kamal