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area watch: faridabad
Realty in the slow laneFaridabad, one of the promising destinations of the NCR region, has had a bitter-sweet run as far as the realty scene is concerned over the past one year. The property market here has been slack with prices remaining stagnant, while there has been ample supply in the residential segment.
Green
house
decor
trends
at home
with fENG SHUi
Light up your kitchen
tax
tips
PICK OF THE WEEK
REALTY GUIDE
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area watch: faridabad
Faridabad, one of the promising destinations of the NCR region, has had a bitter-sweet run as far as the realty scene is concerned over the past one year. The property market here has been slack with prices remaining stagnant, while there has been ample supply in the residential segment. As a realty destination, Faridabad has had its set of positives and negatives and those planning to invest or settle here need to keep both these perspectives in mind before parking their hard-earned money here. A fast-developing city of Haryana, Faridabad has huge potential for real estate growth on the lines of Gurgaon and Noida. It has locational advantage as it is just 25 km from the Connaught Place. This driving factor is working well for the city bringing a large number of big developers here. According to Devinder Gupta, Managing Director of realty advisory DGS Century 21, “The Neharpar area or the Greater Faridabad is an ideal place to invest. Though infrastructure is still not very great here at present, once the proposed infrastructure comes up this is going to be one of the better locations in the NCR. Among the sectors that have greater potential, Sectors 88 and 89 are in demand as these will be close to two upcoming highways.” Infrastructure boost The infrastructure projects that will help in development of Faridabad include the Taj Expressway, and a highway beginning from Kalindi Kunj and running parallel to Mathura Road that will bypass the city. According to an official of HUDA, “We are now focusing on the development of Faridabad. We are planning one new bypass for which we are acquiring land. People going towards Agra can now use this bypass to go through Surajkund and directly reach National Highway across Sectors 58, 59. We are also widening the existing bypass at Sector 37 at a cost of Rs 118 crore which will include the construction of one flyover.” Builders are upbeat about these developement plans. Sameer Jasuja, MD of PropEquity, says that Sector 75 near Agra canal is going to be the next commercial hub for Faridabad. According to an official of Ansal API, when Badarpur flyover will be complete, the access will be more comfortable and the plan of Metro reaching there in the future will bode well for the property market. The freight corridor in the vicinity and HSIIDC’s planned commercial hub nearby are further going to add up to the value of property here. “Infrastructural changes can be seen in terms of floating new sectors with a public and private sector partnership, setting up new institutional sectors, witnessing changes in the skyline by developing a new urban development policy, adding new high-tech electronic and communication units and IT Parks, and better road and transport facilities”, says Amit Vaidya, MD of Golden Estate. Prices and projects Faridabad has always been underpriced in spite of the geographical advantages it offers, being equidistant from Delhi, Gurgaon, and Noida and having fairly good connectivity. Big-time developers and builders like BPTP, Era, Landmarks, Omaxe, SRS, Puri Construction, MGH, Universal group, ORS Infrastructures, Iris Adobe Pvt Ltd, RPS, etc., have come up with mega projects here. But the king is BPTP. It possesses around 2,000 acres of land here. According to market watchers, Sectors 43 and 86 are becoming the preferred locations here. One can find various options from low-cost affordable flats to high-end luxury apartments and villas. According to Manish Ranjan of Suraj Realtors, “One can get two BHK flat in the city with various amenities like 24 hours security, power back-up, club facility, etc. There is also a demand for luxurious housing, and this demand has made many leading builders to provide luxurious housing options in Faridabad. Omaxe, Paranayam flats, BPTP and many big builders are offering luxury apartments in Faridabad. Though these are expensive, they cost much less when compared to those in cities like Noida and Gurgaon. You can buy three or four BHK flat with built-up area 2,250 sq feet from Rs 1 crore onwards.” According to Samir Jasuja, “Faridabad offers affordable to costly ready-to-move-in flats. Since two and three bedroom flats are more in demand, so there is sufficient supply of these here, especially in Sectors 82, 21, 19, 39, 46, etc. Service apartments are also in demand here and several builders have these in their kitty in areas like Sectors 29, 30, 31, 46, 47, 28, 39, 14, etc. Why it has lost to Noida and Gurgaon ? It is a well-known fact that Faridabad was among the most developed cities in the NCR till both Noida and Gurgaon overtook it in terms of infrastructure development. Even though it lacks the required infrastructure, and good transportation facilities, Faridabad is fast emerging as a playground for some of the most distinguished and prominent real estate developers, against stiff competition from neighbouring realty hot spots like Gurgaon and Noida-Greater Noida. Developers like BPTP, Puri Construction, KLJ Town Planners, RPS, SRS, Omaxe, etc., have launched housing projects here with some even in the process of delivering the units. Other realty majors like Assotech Ltd, Gardenia Group, and TDI are also planning to come up with integrated township projects here. The growth rate of population here has been very rapid during the past three decades; the NCR Regional Plan estimates that the city is likely to have a population of 21.3 lakh by 2021. Keeping this in mind, the town and country planning department of Haryana has prepared a 20-year development plan for the entire city, and HUDA is acquiring land for the developing sectors in Faridabad. “All this translates into a great opportunity for developers and builders to bring modern residential projects with all the lifestyle amenities to this place, as the demand for such products is gaining ground here”, says Pradeep Seth, CEO, RPS Group. The group already has commercial and residential projects in Faridabad and has recently launched a residential project in Sector 88, Greater Faridabad. Devinder Gupta says, “The prices of realty in Faridabad are stable and it is most unlikely that it will touch the sky as buyers of Delhi and other NCR towns think twice before investing here due to poor connecvity. It will take years for metro rail to reach Faridabad.” Sujata Sharma,who teaches in local Modern Vidhya Nikaten, says while poor infrastructure remains a hurdle for residents, power cuts, faulty drains and bad roads have made it difficult for industry to sustain growth. Till it is not improved, realty scene to remain stagnanat here, she adds. Infrastructure issues have severely hit the growth of realty and auto component industries. Rakesh Sharma, a teacher in Manav Rachna Educational Institutions says, “Bad roads often lead to massive traffic jams and lack of adequate power means the campus has to run on generator facilities. This of course means additional costs.” He tells us how students from other cities avoid taking admission in institutes here. “The overall exhausted resources do not pay us well in terms of total number of students from outside Faridabad. It largely affects our business. Also, if the infrastructure problem continues to persist then this might be a hindrance to the other upcoming projects here”, he says. On an optimistic note, however, Sameer Jasuja says, “There is not much infrastructure here but we can look at the example of area like Indirapuram, which used to be a neglected area few years back. The industrial city with about 300 large and 10,000 small-scale industries under its belt has always been under-priced. But now the situation is changing. It not only has swanky residential areas but a lot of commercial projects have also developed or are in various stages of progress.” Notwithstanding the fact that there are some doubts about the delivery time, there can’t be two opinions that a property in Faridabad will be a prized possession after four-five years.
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Green
house Winter annuals offer a range of flowers and their varieties but there are just a handful of summer annuals viz. Coreopsis Cosmos, Gaillardia (Blanket flower), Gomphrena (Bachelor button), Helianthus (Sunflower), Kochia (Burning bush), Portulaca (Moss rose), Rudbeckia, Vinka and Zinnia (Peter pan). If you don’t want your garden to lose its ‘flower power’ then ‘started seedlings’ are one of the easiest way to shift from winter to summer flowers. These come in plug trays containing as many as 50 grown seedlings which have already stated flowering. Started seedlings can be purchased from reputed nurseries and directly planted in flower beds after the bloom is over. However, for gardeners keen on having their own seedlings, it’s appropriate time to sow seeds which will take four-six weeks to be ready for transplanting and another four-six weeks to show colour. Fungal attack on seedlings can be prevented by drenching the nursery medium with 2 grams of Bavistin in one liter of water. The flower beds are prepared for replanting by applying 4 kg of FYM per sq m along with 60 grams of DAP. All the above-mentioned summer flowers can survive the harsh hot climate in this region and grow vigorously. However, in order to get a good effect in the flower beds, these need regular pinching and the removal of spend flowers. Pinching stops the growth on the main shoot and develops lateral shoots and later shoot form sub-lateral shoots. Pinching is done with your thumbnail and index finger to develop the plant into a bushy shape thereby controlling its height and also to prolong the flowering period.
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decor
trends Selecting the right designs, materials, colours, styles, etc., and balancing the cost factor is, no doubt, a Herculean task and in most of the cases buyers actually end up with something which is either not of good quality or is not in consonance with the space and style of their home. So buying readymade furniture involves lot of hassles as a vast range is available in the market right from imported furniture from China to branded furniture of international repute and it is difficult to decide which one to go for. Then there is an option to engage a qualified designer for making pieces to suit your needs, taste and preferences. Make the right decision The other advantage is that you become your own designer and decide on the dimensions and details of your furniture. For instance, you may see a wonderfully designed piece of furniture in a showroom but the design and colours are all wrong for your decor theme. The best option is to have the same custom-made in design and colours that suit your needs. You may decide to add more padding or a richer fabric to your living room furniture or have the size of the bed as per the available space in your bedroom. Readymade furniture is always mass produced and in mass produced furniture, one can’t be absolutely sure about quality. Sometimes it may appear to be wood but it is not. Imagine a beautiful, rich bedroom suite with foam pieces made to look like wood but is foam instead. Also, a cabinet maker who is making a tailormade piece will use strong dovetail joints, whereas a piece that comes from China may have glue and nailed pieces instead. This results in weaker drawer joints. The made-to-order process also takes care of dimensions and sizes of the houses, as dimensions of your space is another aspect which is crucial, especially when you have limited or large space. Actually, any piece of furniture can be adjusted in your small or large rooms if these are designed and custom-made for you in just the right dimensions, so that it fits perfectly and enhances your décor. One more advantage in opting for custom-made furniture is that you get opportunity to supervise the creation of your furniture too and this means that quality is assured to a greater extent. There is also a scope to add a personal touch to the furniture. In readymade furniture, since there are so many ways to make furniture appear beautiful on the outside, you might not always know what you are getting on the inside but when you get a customised piece, you can choose your wood, finish, design, etc. Custom-made also makes you the one and only in the world... when you hire a qualified designer to create a unique piece you, it is guaranteed that it will be something that you will find nowhere else. The designer can assist with ideas and when they are put with your ideas, you are certain to have a masterpiece. Top that with a few home accessories and your room will make a statement of your personality and the same designer would be able to assist you in planning and choosing these home accessories. Against this, readymade good quality or branded furniture, though may be equally or more costlier, has a limited choice from the range and would also be not unique to yourself. Tailor made furniture crafters can also make pieces to match items that you may already have so that they can blend flawlessly. In the process of opting for custom-made against readymade, you may face the issue of finding the right person whom you can assign the job. But these days there is a solution to these also available, as there are various reputed designers cum fabricators available to undertake turnkey or part projects. They will not only provide you a ‘design process’ after determining your wants and needs by having a face-to-face meeting with you to discuss issues such as, how the space will be used, and what preferences you have as well as your budget. The designer will also visit the space to take note on existing furnishings and equipment, as well as to identify the design problems and attributes of the space. After meeting with you the next step includes formulating a plan and estimating costs for the kind of furniture you need. The designers use computer-aided design to compensate for handmade sketches and show you possible design solutions in realistic views. Once the designer has completed a possible design, he or she will present it to you for making any revisions necessary and after the needed revisions, the process is started for fabricating the furniture pieces as per the designs selected by you. The designers would involve you at various stages to satisfy your curiosity about how the task is progressing and whether it is coming up as per the expectations and discussions you had with them. Going for designer furniture is a recent phenomenon and is fast picking up as people have started realising that the pleasure they get in going for furniture of their own choice not only reflects their own personality but also provides them a satisfying feeling of living where they enjoy. — The writer is a Panchkula-based interior designer and founder of Homeworks
Cost
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home with fENG SHUi Feng Shui for interiors is concerned with the flow of chi inside the home, the arrangement of rooms, their shapes, the flow of traffic within, and the way furniture is placed in relation to door, windows, staircase and toilets. All of this affects the quality of the energy of the home. Interiors should, thus, be designed, organised, and arranged carefully taking into consideration the implications that these will have for the Feng Shui of one’s immediate living space. Here are some general guidelines that you can keep in mind: The layout of rooms Irrespective of the shape of your house or apartment, the inner half and outer half of the home are determined by the location of the main door. The outer half is the front of the house where you should not locate your private rooms, the inner half is the back part of the house. When designing your layout and allocating rooms, take account of some general guidelines: — The writer is a Panchkula-based Feng Shui, Vaastu and art consultant and founder of Artizen’s
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Task lighting It provides lighting for the basic tasks of kitchen like chopping and cooking food. If there is adequate light in the tasks’ area then there is not much eye-straining. Furthermore, bright lights can make the time spent in kitchen interesting. You should place the tasks lights above the chopping area, gas stove and sink. Accent or prominent lighting This second option is for providing depth to the kitchen. It is used at the times when there is not much of activity happening in the kitchen and it provides a relaxed aura to the area. It is used in kitchen cabinets that display the expensive and attractive glassware and crockery items. There are a lot of other lighting options available, for instance, decorative lighting; however, looking at the requirements of Indian homes and homeowners, task lighting and prominent lightings are the ones that serve all the purposes of a kitchen and also brings eye-catching results. — Inputs courtesy MakaanIQ
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tax
tips Q. I have a house property on loan which I plan to rent out. I am working in a private company where our finance manager agrees that I can have a tax benefit of interest paid more than Rs 1.5 lakh but he insists that as an employer he can’t deduct more than Rs 1.5 lakh. What are your comments, is there any restriction for an employer? — tanveer
Value of agricultural land in visa application Q. In investor visa applications agriculturists have to report five years’ financial accounts and out of these five years two should be audited by a CA. So in first balance sheet e.g. in March 31 closing which amount should be reported as the correct value of agricultural land and also in further four years. We have already drawn some balance sheets in which agricultural land value is appreciated year by year taking approximate percentage of 5 per cent. Is it viable to appreciate land value year by year? Because if we think practically then the value of agricultural land is increasing fast. So the land which we have purchased 10 years ago has a much higher value at present. So please sort out my query which value should be shown in the balance sheet of an agriculturist in his five-year financial statement which we have to submit to the embassy department. — sameer chawla A.The balance sheet should reflect the agricultural land at the historical cost. However, it is possible to revalue the agricultural land in the latest balance sheet by taking into account fair value thereof. The amount of difference between the historical cost and the fair value should be credited a Revaluation Reserve so as to indicate clearly on the face of balance sheet that the agricultural land has been revalued. The balance sheet should also disclose the method adopted for such revaluation. Can my brother seek IT refund? Q.My brother is a Haryana government employee. His total emoluments are approximately Rs 25,000 per month. We got a new house constructed last year, which is registered in my mother’s name. For the construction we got a loan of Rs 8 lakh sanctioned for a 12-year term from OBC. The loan was issued against guarantee of my brother’s job and a joint account of my brother and mother was opened for the said purpose. Kindly let me know if my brother is entitled to tax relief on account of loan repayment to bank. He is currently paying EMIs and has paid IT of neary Rs 11000 for the current financial year. If entitled for tax benefit, can he seek a refund of the tax paid by him? — rakesh mehra A.In computing the total income of an assessee, being an individual or a Hindu Undivided Family, deduction is allowable under Section 80C of the Act, for any sum paid towards the repayment of amount borrowed by the assessee from specified sources for the purchase or construction of a residential house property, the income from which is chargeable to tax under the head “income from house property” (or which would, if it had not been used for assessee’s own residence, have been chargeable to tax under that head). The provisions as contained in Section 80C of the Income-tax Act 1961 (The Act) indicate that residential house purchased or constructed with the borrowed funds should be in the name of the assessee so as to enable such an assessee to claim a deduction from total income under the provisions of the said section. In my view, therefore, it may be difficult for your brother to claim deduction in respect of EMIs towards the repayment of principal amount of loan borrowed for the purchase of house owned by your mother. Can I claim HRA as well as home loan rebate ? Q. I had purchased a house in Mohali and taken a home loan against it. I am currently working in Mohali while my wife’s workplace is Ropar which is approximately 50 km from my workplace. We have taken a house in Ropar on rent and I commute daily from Ropar to my workplace in
Mohali. My wife is not claiming any HRA and I have not rented out my house in
Mohali. My query is:
A.The Section 10(13A) of the Income-tax Act 1961 (The Act) provides for an exemption to the extent prescribed, in respect of any special allowance granted to an assessee by his employer to meet expenditure actually incurred on payment of rent for residential accommodation occupied by the assessee. Exemption is not allowable in case the residential accommodation occupied by the assessee is owned by him or the assessee has not actually incurred expenditure on payment of rent in respect of the residential accommodation occupied by him. Therefore, in case the house rent in respect of the accommodation occupied at Ropar is paid by you, you would be entitled to claim the exemption in respect of house rent allowance subject, however, to the prescribed limit. Deduction in respect of repayment towards the amount borrowed for purchase of a residential house is allowable under Section 80C of the Act within the overall limit of Rs 1,00,000. You would be entitled to claim such deduction within the aforesaid limit as also the exemption in respect of house rent subject to the conditions referred herein above. Tax liability on sale of agri land Q.I had purchased land in a village in Himachal Pradesh in July 2001 for Rs 2 lakh. In addition to the cost of the land, I had paid Rs 24000 as registration charges. The same land was sold for Rs 9 lakh in April 2012. The land in question was situated in a village but within 5 km of municipal committee limits. The population of this municipal committee is 4,366 only. The title of land as per revenue records of HP is Khadetar (land from where Grass for pet animals like cow is obtained as fodder). I want to know whether income from such land sale is taxable? — v.k. bhardwaj
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PICK OF THE WEEK
Price:
Rs 1,85,000 onwards
Flooring solutions Price:
Rs 175/sq-ft.
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REALTY GUIDE
Q.This is in reference to lead report ‘Penalty pain’ regarding delay in registry of property published on February 16 . I request you to guide the residents of Shourya Greens Apartments, Surya Enclave in Jalandhar, who are living for years without registration after getting the possession of their flats because the builder has failed to obtain even part completion of the project. Residents are desperate to get the Conveyance Deed to get ownership, inheritance and transfer rights of the property. Please clarify whether it will affect the residents under delayed penalty clause for no fault of theirs? — a reader A.The article referred to by you talked about property in Haryana. However, your query is regarding Jalandar in Punjab. The related laws in Punjab and Haryana are entirely different. First of all we have to see whether Surya Enclave comes under Municipal Committee, Municipal Coroporation or Improvement Trust. And who is the competent authority, under whose jurisdiction Surya Enclave and Nitishree Infrastructure came under. Also know about which authority is maintaining basic infrastructure like water supply, sewerage disposal, and maintenance of roads. The law governing this matter is Punjab Apartments & Property Regulation Act,1995. Under Section 14 of this Act: Occupation and Completion certificate: (1) (ii) It is the responsibility of promoter in the case of colony to obtain completion certificate from the competent authority to effect that the development works have been completed in all the respects as per terms and conditions of license granted to him under section 5. Section 15: Promoter to execute document: After obtaining completion certificate under Section 14,promoter will execute the conveyance deed of the plot within 3 months from completion of sold plot individually but not of unsold. Section 16: Enforcement of Registration of Conveyance (3 ) if the promoter fails to execute a written agreement of sale as required by Section 6,or fails to execute the conveyance deed of plot and other relevant documents as specified in sub section (1), within three months, the competent authority may either on a complaint or suo moto, impose for each plot or apartment for which there is a default a penalty up to a maximum of five per cent of the price of the plot or the apartment or five thousand rupees, whichever is greater, and further minimum penalty for each plot or apartment of Rs 100 for each day for which the default continues, and the penalty may be recovered as an arrears of land revenue.
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Realty bites Realty firm TDI Infrastructure said it has raised Rs 110 crore from private equity firm Kotak Realty Fund for the development of its 29-acre housing project at Kundli in Haryana.
“We are coming up with a 29-acre group housing project in our 1,250 acre integrated township in Kundli, Sonepat. Kotak Realty Fund has invested Rs 110 crore in this project,” TDI Infrastructure Managing Director Kamal Taneja said. The fund would be used on the development of this project, he added. Taneja declined to disclose the stake it has sold to Kotak Realty Fund in the group housing project. The project would be launched next month at a price of about Rs 4,000 per sq ft, he said. “This is the first private equity funding in our realty projects,” he said, adding that the project would be designed by London-based architect HOK. On the township, Taneja said the company has already delivered 1,800 apartments, and the possession of another 1,200 flats would be given to customers by end of this year. TDI is also developing a school, 150-bed super speciality hospital and shopping mall in the township. Besides Kundli, the company has projects in Chandigarh, Panipat, Mohali, Jalandhar, Moradabad and Agra. It is building six townships, spread over an area of 2,480 acres, at Kundli, Panipat, Mohali-I and-II, Meerut and Moradabad. — PTI
International Financial Services Centre at Gift City Gujarat government’s ambitious project Gujarat International Finance Tec-City (GIFT City) is well on its way to develop India’s first International Financial Services Centre (IFSC) after Chief Minister Narendra Modi inaugurated the state’s tallest tower GIFT One in Gandhinagar, recently. The commissioning of this tower is the first major milestone towards making GIFT the country’s first IFSC. The construction of twenty-nine floor tower with built-up area of 7 lakh sq ft started has been completed in a record one and half year’s time. Companies that have booked their space in the first tower are expected to begin operations from April 2013 onwards. The second tower which will be commissioned in May will see office operations beginning from July 2013. A total investment of around Rs 1000 crore has been made in setting up these two towers. Elaborating on the main goal behind setting up this project, RK Jha, Director-In Charge, Gujarat International Finance Tech-City Company Ltd. said, “Creating A Global Financial Hub in India is imperative for economic growth which will help to bring in more jobs and create more business. An IFSC would help India achieve this objective and at the same time it would put India in the map of Global Financial Hubs. The overall cost for development of world class infrastructure at GIFT City would be Rs 10,000 crore.” Financial Technologies Knowledge Management Company Ltd (FTKMCL) would be investing Rs 50 crore for developing a training centre for financial services, the Institute of Cost Accounts of India will also be investing Rs 50 crore for development of a centre of excellence, and around Rs 20 crore will be invested by Narsee Monjee Education Trust for setting up a school at GIFT City. Gold Souk to invest 1,000 cr Real estate conglomerate Gold Souk Group is all set to strengthen its presence in the National Capital Region by investing Rs 1,000 crore over the next three years. Detailing the Group’s plans Ashish Gupta (VC & JMD) said their business development team is actively evaluating joint ventures/ collaborations/ land tie-ups in the NCR market for mixed use developments encompassing townships, group housing, etc. Gold Souk Group is aggressive with its plan for expansion in the coming years. Within real estate sector, in the next five years the group would be focusing on Delhi/NCR region besides carrying on/completing its projects in other states like Haryana, Punjab, Rajasthan, Kerala, Tamil Nadu and Madhya Pradesh. Most of the company’s projects in these states will be completed within two years. With existing underconstruction projects on schedule, the Group will now make its presence felt in the NCR market with existing good amount of land bank and new land purchases. The company plans to invest around Rs 1,000 crore in the next three years in developing residential projects in the NCR region. The company will launch multiple projects depending upon the location and the demand in those areas.
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As the temperatures start soaring, the winter annuals start losing their hues and fade, making the time ripe for flower lovers to prepare their gardens for summer. The rising temperature and end of winter season sees the formation of seeds in most winter flowers as these lose their staying power. Therefore, now it is time to gear up for summer flowers.
Buying new furniture for your home! You are in a real fix as it always requires a lot of thought and planning. The foremost consideration relates to choosing between readymade and made-to-order (customised) furniture. The inclination always is to opt for readymade furniture, but the mind boggling range of designs and materials is enough to confuse even a sufficiently experienced buyer. The problem is just not limited ‘to buy or not to buy’ but is about which one to buy and how much to buy.
Q.This is in reference to lead report ‘Penalty pain’ regarding delay in registry of property published on February 16 . I request you to guide the residents of Shourya Greens Apartments, Surya Enclave in Jalandhar, who are living for years without registration after getting the possession of their flats because the builder has failed to obtain even part completion of the project. Residents are desperate to get the Conveyance Deed to get ownership, inheritance and transfer rights of the property. Please clarify whether it will affect the residents under delayed penalty clause for no fault of theirs? — a reader
As the temperatures start soaring, the winter annuals start losing their hues and fade, making the time ripe for flower lovers to prepare their gardens for summer. The rising temperature and end of winter season sees the formation of seeds in most winter flowers as these lose their staying power. Therefore, now it is time to gear up for summer flowers.
In Zinnia and Vinca new varieties and hybrids have been developed for better appearance in the flower beds but these varieties are highly sensitive to water logging. To mention, Zinnia perfusion comes with small flower in attractive colours and continues to grow and produce flowers till November.
Buying new furniture for your home! You are in a real fix as it always requires a lot of thought and planning. The foremost consideration relates to choosing between readymade and made-to-order (customised) furniture. The inclination always is to opt for readymade furniture, but the mind boggling range of designs and materials is enough to confuse even a sufficiently experienced buyer. The problem is just not limited ‘to buy or not to buy’ but is about which one to buy and how much to buy.
When you opt for custom-made furniture, it helps you keep your lifestyle in mind and consider the environment you are living in, as your furniture has to be not only comfortable and practical but should also coordinate with the overall ambience of the room for which it is being designed. 
The Feng Shui of interiors is as important as that of the external environment. It is no good having excellent external Feng Shui if inside of the home suffers from stagnant Chi and residents have to endure an unbalanced flow of energy everyday.
fact
sheet
Lighting in kitchen is different from other rooms in the house, because kitchen lighting needs cannot be met by one source only. Lighting in the kitchen is not only necessary from the visual point of view but is essential from functional point of view as well.
A. Under Section 192(2B) of the Income-tax Act 1961 (The Act), if an assessee receives any income chargeable under the head “salaries” and in addition, any income chargeable under any other head of income for the same financial year, he may send to the person responsible for making payment of salary and deduction of tax at source, the particulars of: 
A.On the basis of the facts given in the query, the agricultural land situated within 5 km from municipal committee having a population of less than 10,000 should not be covered within the term ‘capital asset’ as defined in Section 2(14) of the Act and therefore the capital gain arising on the sale of such land should not be taxable. However, it would be advisable to examine the notification No. SO 10(E)
dt. 6.1.94 as amended by Notification No. SO 1302 dt. 28.12.1999 issued by the Government of India having regard to the extent,
and scope for, urbanisation of that area and other relevant consideration. In case the said notification does not cover the relevant area of the state of Himachal Pradesh then no tax should be leviable on the gain arising on the sale of such agricultural land.
If you want to add a traditional touch to your home then check out the Ethnic Kraft’s new range of wooden swings. The exquisite range comes in teak wood and has intricate designs and carvings. They are made by dexterous craftsmen of Rajasthan in teakwood and especially designed to cater to aesthetic tastes of people and the aficionados of timeless masterpieces. The pleasing designs of the swings are available in myriad colours, textures, shapes and sizes.
Sweden-based company Pergo has recently launched its Domestic Extra Collection for flooring. Designed to handle domestic areas with moderate wear, it is ideal to handle the wear and tear that happens in our homes. The new range of laminate floorings comes in a wide range of decors and designs and a 20-year residential guarantee. It is made out from PerfectFold, which makes the installation process of the laminate floor so easy that even we could easily install it in our homes and other places. The planks for the Pergo Domestic Extra collection are available in a wide range of formats which are 1200X200mm, 1200X140mm, 1200X300mm.