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Who is Ravi Karan deekar?

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Who is Ravi Karan deekar?

Last updated: December 1 2016
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  • Re : Who is Ravi Karan deekar?

    rohit28...

    Congrates!!! on ur booking at Capital Tower...
    And you have got ur friends ( as you said WE have booked flats ) also...
    Guess you are done pretty much here...

    So JUST LEAVE this forum.
    Last edited by sunita.chhetri; April 14 2010, 02:39 PM.

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    • Re : Who is Ravi Karan deekar?

      Originally posted by piyushchamedia View Post
      I really think that buying is in my plan, but this is not the right time. Could you specify reasons explaining why this is the right time ?
      Buying a home, getting married and having or not having children are very personal decisions. Doctor, Pandit and real estate salesman can't tell you to go or not to go about it.

      Comment


      • Re : Who is Ravi Karan deekar?

        Thanks Ravi, but I believe buying a house is the same as buying a home.So, while marriage and children are personal decisons, buying into anything that is commodity - ,real estate,stocks is a economic decision that requires investment.

        Hence, maybe my question to you would be - economically, is it better to buy or rent in the current market ?

        Comment


        • Re : Who is Ravi Karan deekar?

          Originally posted by piyushchamedia View Post
          I believe buying a house is the same as buying a home.
          Buying a "HOME" involves preparing & planning for,

          economy - I want best for my family - am ready to put in more of my hard earned savings to see my wife and kids (if any) happy.

          convenience - Convenient for my family - (wherever possible) near to workplace, schools, market, medical facility.

          Stability - Are the surroundings suitable influence for my kid's - is it a friendly neighborhood? I want to see my kids grow, play, make friends - be in the best influence - make the most facility my money can afford.

          A "HOUSE" on the other hand is mostly about economy - best location at a reasonable price! (with an eye on the future prospects for a better ROI)

          My two cents - When in doubt - renting is the best option ... until you are prepared ( mentally, economically, stability wise ) - and then you take the plunge. Buying a HOME does require moolah, but that isn't the only dominating factor ... if it was only about money and the future returns, then one is probably not ready for a HOME yet ..
          Last edited by jason86; April 15 2010, 03:28 AM.

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          • Re : Who is Ravi Karan deekar?

            Completely agree for Jason86... mature at 24 :-)

            But dont agree for Ravi 4 buying a home is a personnel decision!!! its not & that too at these inflated rates.
            Why not a personnel decision ?? because -- You take home loan that improves bank profits >> improves goverment spending, you pay hell lot of taxes .. you are genuine customer to your goverment instead of someone who reduces their revenue (bpl,politians ,corrupt officials) .. you pay fot it-- its different that you get pissed in the process.

            If you pay black money component then you are working against your nation .. you are making harm to its growth & there are chances that it may be involved complete destructive activities.

            By purchasing a home you honor work done by peoples who work for that project, you have given them work & opportunity.

            So i dont think purchasing a home is a personnel reason.

            Why i say its inflated because its not justifiable to the ratio money is required to buy a home. Like a person who is capable of purchasing of mercedez cant purchase a flat in Mumbai & technically talking their is ratio which is in directly proportion to the earnings of peoples salary.

            In general in US 4times your annual salary should make you eligible to buy a home ( in proportion of your kind of work you do or you will buy in the class range in which you work like if you are a cleaner you are supposed to purchase a home that suits you .. Calculations below

            In Los Angeles a cleaner makes in an average 10$ per hour that makes 80$ per day & if you work for 25 days in month you make 2000$ per month that means 24000$ per year by our formula it requires 24000$ *4 that comes as 96000$ now if we check a home price in LosAngeles a good 1200sqft 2bhk is available for 75000$ (check this
            hxxp://losangeles.condo.com/PropertyDetails.aspx?ID=6922246 )

            Now consider same thing for mumbai cleaner 3000 per month 36000 annually 1.4 L for four years .. a 1 room kitcnen costs something like 6 lakhs in mumbai & thane region. Thats whooping 16.6 times , practically this ratio goes beyond 20times.

            If you make same kind of calculation for any profession & any metro city which is better than Mumbai, Thane & Pune you will come to same kind of results.

            So people staying Mumbai, Pune Thane are not humans or what ?? Why they need to pay this much .. are they supposed to kill themselves by overpaying to builder & work continuously for 20 years as like a slave for banks & builders???

            I just few days back a merchant navy officer killed his wife & girl due to he couldnt repay money he bought from his friends to purchase a flat. If you will turn pages of history there are many incidents like that why because of flat ??? you need to think of that level also.



            So saying that all time is right for purchase isnt correct like all that shines isn't

            Tip: Doesnt want hurt anyone just to present my views

            Comment


            • Re : Who is Ravi Karan deekar?

              Originally posted by jason86 View Post
              Buying a "HOME" involves preparing & planning for,

              economy - I want best for my family - am ready to put in more of my hard earned savings to see my wife and kids (if any) happy.

              convenience - Convenient for my family - (wherever possible) near to workplace, schools, market, medical facility.

              Stability - Are the surroundings suitable influence for my kid's - is it a friendly neighborhood? I want to see my kids grow, play, make friends - be in the best influence - make the most facility my money can afford.

              A "HOUSE" on the other hand is mostly about economy - best location at a reasonable price! (with an eye on the future prospects for a better ROI)

              My two cents - When in doubt - renting is the best option ... until you are prepared ( mentally, economically, stability wise ) - and then you take the plunge. Buying a HOME does require moolah, but that isn't the only dominating factor ... if it was only about money and the future returns, then one is probably not ready for a HOME yet ..
              Well Said! Thanks!!

              Comment


              • Re : Who is Ravi Karan deekar?

                Originally posted by piyushchamedia View Post
                Thanks Ravi, but I believe buying a house is the same as buying a home.So, while marriage and children are personal decisons, buying into anything that is commodity - ,real estate,stocks is a economic decision that requires investment.

                Hence, maybe my question to you would be - economically, is it better to buy or rent in the current market ?
                As per the current government policies if you are earning between 1.6 lakhs to 5 lakhs per annum, you are supposed to be a good consumer and spend money left in your pocket for purchasing products which will boost the GDP.

                Renting makes more money available to consume. So, if you want to become a good consumer you should rent.

                However, if you believe in creating assets and increasing your personal worth you should invest in yourself - buy a home for your family.

                Comment


                • Re : Who is Ravi Karan deekar?

                  I strongly disagree.
                  When you buy a home on 80-85% loan, its bank who creates asset and not you. You created a huge debt on urself under speculation that you will earn more out of it than the interest paid. If home price does not increase significantly (more than 10% a year) then your debt does not perform.

                  If you want to create asset, invest in yourself. Invest in acquiring skills, any higher education, buy electronics and gadgets and spend on long vacations. This way you will built a happy family and valuable 'you'. Invest in self not house.

                  Originally posted by ravikarandeekar View Post
                  However, if you believe in creating assets and increasing your personal worth you should invest in yourself - buy a home for your family.

                  Comment


                  • Re : Who is Ravi Karan deekar?

                    Originally posted by ravikarandeekar View Post
                    As per the current government policies if you are earning between 1.6 lakhs to 5 lakhs per annum, you are supposed to be a good consumer and spend money left in your pocket for purchasing products which will boost the GDP.

                    Renting makes more money available to consume. So, if you want to become a good consumer you should rent.

                    However, if you believe in creating assets and increasing your personal worth you should invest in yourself - buy a home for your family.
                    Hi RK. A Home is an asset only if you can afford to purchase it outright. Till such time to are paying off the loan amount it remains a liability. Unfortunately because of the real estate prices there is no other option but to take recourse to a loan. You should advise your builder colleagues to keep prices fixed for a year & keep them in line with the salaries that people are earning.

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                    • Re : Who is Ravi Karan deekar?

                      Rightly said. Stay rental till market comes to a reasonable levels. Till then enjoy the other things in life which are also equally important.

                      I prefer staying on rent in current circumstances, than buy a house on loan and be worried about my job and how can I repay my loan or how can I make more money.

                      After all some "intelligent" people have invested in buying the houses in which I will be staying on rent. . Let them worry about the appreciation of their property/investment's worth.

                      Originally posted by aditi sharma View Post
                      I strongly disagree.
                      When you buy a home on 80-85% loan, its bank who creates asset and not you. You created a huge debt on urself under speculation that you will earn more out of it than the interest paid. If home price does not increase significantly (more than 10% a year) then your debt does not perform.

                      If you want to create asset, invest in yourself. Invest in acquiring skills, any higher education, buy electronics and gadgets and spend on long vacations. This way you will built a happy family and valuable 'you'. Invest in self not house.

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