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VERTICAL GROWTH ONLY WAYThe Haryana government is augmenting land resources for Gurgaon in the new master plan in an attempt to accommodate a projected spike in population by 2025. Despite being a parched region, Gurgaon has taken the lead in residential developmentemerging as the best option for both end users and also for investors. Realizing this well, Haryana government recently moved a plan to increase the residential area per acre to accommodate more people over the next 10-12 years - and there are reasons to do that. A recent National Capital Region Planning Board study has shown that the capital city of Delhi managed to see a downward trend in the population growth, particularly on account of migration, only because of people now finding space in the NCR cities. Because of its good track record of managing the law and order situation efficiently, Gurgaon has outscored its other competitors in around Delhi. Considering the trends of people still finding Gurgaon a better option, the district administration has proposed these positive changes. The proposals provided in the new draft Development Plan 2025 of Gurgaon-Manesar Urban Complex talk of preparing the city to cater to the needs of a projected population of 39.7 lakh. The earlier Master Plan for 2021 had projected to accommodate 37 lakh people. However, the ground reality is quite different. Rough estimates suggest that Gurgaon and Manesar put together have already crossed the 30-lakh mark. There is every probability that the population in the region will touch the 60-lakh mark by 2025. So, any amount of planning to increase residential area in the urban complexis a welcome step, though it might not be adequate to meet future requirements. As per the proposed revised plan, 37,314 hectares would come under the planned development instead of an earlier 37,069 hectares. It would include an area of 15,009 hectares for residential purposes against the earlier earmarked area 14,930 hectares for residential development. This means around 1,500 acres of additional area will come under residential use. Sources said that this additional land would be used for development of three major residential complexes and scores of group housing societies. For developing commercial, industrial, public utilities, special economic zone and defence land, the allocated area, however, will remain unchanged. As per the proposed plan, which is likely to be adopted and approved by the state government, 4,283 hectares of land would be earmarked for transport and communication facilities, while earlier it was 4,231 hectares for these services. A provision of 1,642 hectares of land would be made for public and semi-public use (institutional), which will slightly increase by 12 hectares. Earlier, 1,630 hectares were proposed for institutional areas. The area for open spaces has also been increased from 2,675 hectares to 2,828 hectares. Taking into account the rapid population growth in Haryana, the state government had revised the population density for urban complexes across the state last year. The draft development plan of Gurgaon would be prepared as per new guidelines, calculating the population density at 120 persons per acre as compared to 100 persons per acre earlier. The existing urban area is of 406 hectares while the rural areas occupy 428 hectares. The 2021 Development Plan comprised 41 controlled areas, sources said that but since the chief minister has ordered that all the sector roads in the forthcoming new residential sectorsto be developed by HUDA be interconnected, more land will be required. So, six more controlled areas have been added in Gurgaon, which have already been notified. Sources said that to accommodate more people, the city has to follow a vertical mode of development rather than the traditional plan of horizontal development. In the last decade, Gurgaon and Faridabad had become the most sought after residential destinations for those who were ready to shell out a little more to own a plot in the NCR. Though, even now, the HUDA has plans to auction plots in the new sectors, sources said that almost all the sectors would see the development of multistorey group-housing societies. "The development and plan to accommodate more people should also be supported by infrastructure augmentation. Water and electricity supply has to be upgraded. Only then can we can achieve sustainable development," said Bhawani Shankar Tripathy, a RWA activist. Courtesy by : Times Property Dtd : August 21, 2010
THE ROAD AHEADSHRI RAM SHAW charts the development of Gurgaon, which has for long been the cradle of private property developers and is also known as the IT city of Haryana, and analyses it future prospects for realty development Gurgaon, adjoining the national capital, has emerged as the largest realty hub in Haryanain the last two decades. The city has attracted some of the biggest names among MNCs, corporate and industrial houses. However, owning property in Gurgaon is set to become more expensive with the Municipal Corporation of Gurgaon (MCG) planning to impose property tax. On the other hand, property dealers and real estate agents in Gurgaon not registering themselves with the district administration will face penal action. But the good news is that recognizing the contribution made by the senior citizen in the development of the state, the Haryana Housing Board has provided 2% reservation in the allotment of houses for senior citizens who have attained the age of 60 years. Gurgaon, located in the National Capital Region, has for long been the cradle of private property developersand is also known as the IT city of Haryana. Rajesh Khullar, Municipal Commissioner of MCG, said the corporation expected to generate over Rs 100 crore annually in revenue by the imposition of the new tax. He added that the maximum rate of taxation had been decided as Rs 3 per square feet of the covered area or 2.5% of the annual rent for rented premises in residential areas and 5% for rented properties in commercial areas. The ob The local residents have demanded more clarity on the proposal to impose property tax from the state government. Colonel Raj Singla, president of Chamber of Udyog Vihar, said most of the dwelling areas in Gurgaon had been developed by agencies like Haryana Urban Development Authority (HUDA), Haryana State Industrial and Infrastructure Development Corporation (HSIIDC) and private developers like DLF and Unitech. He demanded that the area should be handed over to the municipal corporation before the implementation of any new tax, in the same way as the panchayats had handed over the land to the municipal corporation. The residents wanted to first ascertain the identity of the authority responsible for maintaining the area. The meeting of various RWAs from Gurgaon and the Haryana chief minister is finally bearing some fruit. The RWAs, under the umbrella of apex resident body Joint Action Forum of Residents' Association(Jafra), had met Haryana CM Bhupinder Singh Hooda in June on the issue of issuance of house tax assessment notices by MCG. Senior officials of the local bodies department have indicated that a specially constituted body of taxation department and others was seriously deliberating for introducing certain changes in the form of house tax calculations and other possible exemptions. The officials also indicated that those who have already deposited house tax based on the assessment notices would be benefited with, if at all any subsidy was announced later, and their amount would be adjusted against those benefits. The MCG has earmarked about 2.75 lakh properties of all types, including the self-occupied houses, for the purpose of issuing house tax assessment notices. Till date, about one lakh notices have been issued in Gurgaon and MCG hopes to net nearly Rs 350 crore in the form of house tax. According to a senior official of local bodies department, the Haryana Taxation Committee had been deliberating to bring in some changes in the calculation method. "During the one-hour meeting, the resident's association had appraised the Haryana CM about the concern of lakhs of people," said Colonel (Retd) Ratan Singh, the chairman of Jafra. And property dealers and real estate agents in Gurgaon who are not registering themselves with the district administration will face penal action. Gurgaon Deputy Commissioner Rajinder Kataria said officials have been asked to get shops and offices of property dealers and real estate agentsvideo graphed and photographed to know who all are operating in the district. All realty dealers have to register themselves under the Haryana Regulation of Property Dealers and Consultancy Act. "After the completion of the survey, those found indulging in property business without a valid licence would be issued notices under the act. The penal provisions might be imposed later on by the administration to enforce the act," Kataria said. The deputy commissioner, who is also, designated as collector under the act, said, "Anyone found indulging in property consultancy business without having a valid license will be liable to pay a fine ranging from Rs 50,000 to Rs 1 lakh." Kataria said that after repeated warnings from the Gurgaon administration, only a few property dealers had started applying for obtaining licence under the act. "Though the city is flooded with signboards of property dealers and builders, only a few are turning up to obtain a valid licence for property dealing." He added that for registration, a licence fee of Rs 25,000 had to be paid by an individual while in case of an organization, company or society, a fee of Rs 50,000 would be levied. The licence would be valid for a period of five years and would have to be renewed again after that for a fee ranging from Rs 5,000 to Rs 10,000. Recognizing the contribution made by senior citizens in the development of the state, the Haryana Housing Board has provided 2% reservation in the allotment of houses for senior citizens who have attained the age of 60 years. A spokesman of the board said that Housing Board, Haryana was the first housing board in the country to provide 33% reservation of the total houses and flats constructed by it for women applicants to improve their socio-economic status. The State Government has fr The official said that about 43 acres of land under various Municipal Committees of Rohtak, Ambala, Cheeka, Karnal and Pehowa had been identified where about 3,500 houses of different categories, mainly for lower strata of the society would be planned. The board had already purchased 18.75 acres of land at Sector 5, Hansi and six acres of land at Sector 1, Narnaul from HUDA, where about 1,222 houses of different categories would be constructed. The spokesman said that during this year, Housing Board, Haryana had launched housing schemes comprising 2,932 houses at industrial estates, Bawal and Barhi, Sector 4, Hisar; Sector 9, Bahadurgarh; Sector 19, Sirsa; Sector 4 & 5, Karnal and Sector 8, Jind. Construction work of 802 houses at Hisar, Karnal, Bawal and Barhi was in progress and construction of balance 2,130 houses would be started shortly as tenders for these works were under process. The construction of 3,085 houses at Rs 186.50 crore was in progress at Panchkula, Kurukshetra, Karnal, Hisar, Bhiwani, Sonipat, Gurgaon, Bawal, Barhi and Faridabad, he added. Courtesy by : Times Property Dtd : August 21, 2010
THE ROAD AHEADSHRI RAM SHAW charts the development of Gurgaon, which has for long been the cradle of private property developers and is also known as the IT city of Haryana, and analyses it future prospects for realty development Gurgaon, adjoining the national capital, has emerged as the largest realty hub in Haryanain the last two decades. The city has attracted some of the biggest names among MNCs, corporate and industrial houses. However, owning property in Gurgaon is set to become more expensive with the Municipal Corporation of Gurgaon (MCG) planning to impose property tax. On the other hand, property dealers and real estate agents in Gurgaon not registering themselves with the district administration will face penal action. But the good news is that recognizing the contribution made by the senior citizen in the development of the state, the Haryana Housing Board has provided 2% reservation in the allotment of houses for senior citizens who have attained the age of 60 years. Gurgaon, located in the National Capital Region, has for long been the cradle of private property developersand is also known as the IT city of Haryana. Rajesh Khullar, Municipal Commissioner of MCG, said the corporation expected to generate over Rs 100 crore annually in revenue by the imposition of the new tax. He added that the maximum rate of taxation had been decided as Rs 3 per square feet of the covered area or 2.5% of the annual rent for rented premises in residential areas and 5% for rented properties in commercial areas. The ob The local residents have demanded more clarity on the proposal to impose property tax from the state government. Colonel Raj Singla, president of Chamber of Udyog Vihar, said most of the dwelling areas in Gurgaon had been developed by agencies like Haryana Urban Development Authority (HUDA), Haryana State Industrial and Infrastructure Development Corporation (HSIIDC) and private developers like DLF and Unitech. He demanded that the area should be handed over to the municipal corporation before the implementation of any new tax, in the same way as the panchayats had handed over the land to the municipal corporation. The residents wanted to first ascertain the identity of the authority responsible for maintaining the area. The meeting of various RWAs from Gurgaon and the Haryana chief minister is finally bearing some fruit. The RWAs, under the umbrella of apex resident body Joint Action Forum of Residents' Association(Jafra), had met Haryana CM Bhupinder Singh Hooda in June on the issue of issuance of house tax assessment notices by MCG. Senior officials of the local bodies department have indicated that a specially constituted body of taxation department and others was seriously deliberating for introducing certain changes in the form of house tax calculations and other possible exemptions. The officials also indicated that those who have already deposited house tax based on the assessment notices would be benefited with, if at all any subsidy was announced later, and their amount would be adjusted against those benefits. The MCG has earmarked about 2.75 lakh properties of all types, including the self-occupied houses, for the purpose of issuing house tax assessment notices. Till date, about one lakh notices have been issued in Gurgaon and MCG hopes to net nearly Rs 350 crore in the form of house tax. According to a senior official of local bodies department, the Haryana Taxation Committee had been deliberating to bring in some changes in the calculation method. "During the one-hour meeting, the resident's association had appraised the Haryana CM about the concern of lakhs of people," said Colonel (Retd) Ratan Singh, the chairman of Jafra. And property dealers and real estate agents in Gurgaon who are not registering themselves with the district administration will face penal action. Gurgaon Deputy Commissioner Rajinder Kataria said officials have been asked to get shops and offices of property dealers and real estate agentsvideo graphed and photographed to know who all are operating in the district. All realty dealers have to register themselves under the Haryana Regulation of Property Dealers and Consultancy Act. "After the completion of the survey, those found indulging in property business without a valid licence would be issued notices under the act. The penal provisions might be imposed later on by the administration to enforce the act," Kataria said. The deputy commissioner, who is also, designated as collector under the act, said, "Anyone found indulging in property consultancy business without having a valid license will be liable to pay a fine ranging from Rs 50,000 to Rs 1 lakh." Kataria said that after repeated warnings from the Gurgaon administration, only a few property dealers had started applying for obtaining licence under the act. "Though the city is flooded with signboards of property dealers and builders, only a few are turning up to obtain a valid licence for property dealing." He added that for registration, a licence fee of Rs 25,000 had to be paid by an individual while in case of an organization, company or society, a fee of Rs 50,000 would be levied. The licence would be valid for a period of five years and would have to be renewed again after that for a fee ranging from Rs 5,000 to Rs 10,000. Recognizing the contribution made by senior citizens in the development of the state, the Haryana Housing Board has provided 2% reservation in the allotment of houses for senior citizens who have attained the age of 60 years. A spokesman of the board said that Housing Board, Haryana was the first housing board in the country to provide 33% reservation of the total houses and flats constructed by it for women applicants to improve their socio-economic status. The State Government has fr The official said that about 43 acres of land under various Municipal Committees of Rohtak, Ambala, Cheeka, Karnal and Pehowa had been identified where about 3,500 houses of different categories, mainly for lower strata of the society would be planned. The board had already purchased 18.75 acres of land at Sector 5, Hansi and six acres of land at Sector 1, Narnaul from HUDA, where about 1,222 houses of different categories would be constructed. The spokesman said that during this year, Housing Board, Haryana had launched housing schemes comprising 2,932 houses at industrial estates, Bawal and Barhi, Sector 4, Hisar; Sector 9, Bahadurgarh; Sector 19, Sirsa; Sector 4 & 5, Karnal and Sector 8, Jind. Construction work of 802 houses at Hisar, Karnal, Bawal and Barhi was in progress and construction of balance 2,130 houses would be started shortly as tenders for these works were under process. The construction of 3,085 houses at Rs 186.50 crore was in progress at Panchkula, Kurukshetra, Karnal, Hisar, Bhiwani, Sonipat, Gurgaon, Bawal, Barhi and Faridabad, he added. Courtesy by : Times Property Dtd : August 21, 2010
RAINWATER HARVESTING FOR APARTMENTS apartments, rainwater is filtered and harvested from the terrace roof area and channelled into an open well. Rainwater can also be filtered and let flow into a borewell through an indirect recharge pit. The cost of the project can be divided equally among the apartment owners. Considering that the project's lifecycle is over 50 years, it is a successful one since huge amount of water will be saved from going waste and adding to urban flooding. The water can be used for watering plants, washing vehicles as well as washing clothes and other utilities.
THE COMPANY WILL BE DEVELOPING A RESIDENTIAL-CUM-COM- MERCIAL UNIT OPPOSITE DELHI UNIVERSITY TO BEGIN WITH.K.K. Birla Group company Texmaco Ltd will soon make a foray into real estate development in the national capital. The company would be developing a residential-cum-commercial unit opposite Delhi University to begin with. Speaking to reporters after the company's annual general meeting on Thursday, Texmaco chairman Saroj Poddar said the Supreme Court had recently allowed Texmaco Ltd to develop onethird of a 31-acre plot opposite Delhi University. The said land earlier belonged to Birla Mills and had been engaged in a legal tangle for some time. The remaining two-thirds of the plot opposite the university would lie with Delhi Development Authority (DDA), the Delhi government's developmental agency, which will share half the revenue received from any development with the company. Poddar added that currently the finer aspects of the project are being studied with the DDA and would be finalised very soon. He also pointed out the futility of setting up more wagon making units in the country when the ones operated by the private sector are not used to their optimum capacity. It may be mentioned that Union Railway Minister Mamata Banerjee had announced setting up four wagon-making units while presenting the Railway Budget for 2010-11. Texmaco has recently demerged its core wagon making and steel foundry business to Texmaco Rail and Engineering Ltd retaining the real estate business with itself. The de-merged entity is planning to venture into a new business of setting up logistics for the Railways via foreign collaboration, Ramesh Maheshwari, executive vice chairman, said without giving any further details. Courtesy Hindustan times dtd 03-08-2010 For more information house for sale, homes for sale, houses on rent, rental house, rented property, apartment for sale, property on sale, flats in delhi, flats in Gurgaon, rental flats on sale log on to http://www.zameen-zaidad.com and http://www.propertycafeteria.com
THE COMPANY WILL BE DEVELOPING A RESIDENTIAL-CUM-COM- MERCIAL UNIT OPPOSITE DELHI UNIVERSITY TO BEGIN WITH.K.K. Birla Group company Texmaco Ltd will soon make a foray into real estate development in the national capital. The company would be developing a residential-cum-commercial unit opposite Delhi University to begin with. Speaking to reporters after the company's annual general meeting on Thursday, Texmaco chairman Saroj Poddar said the Supreme Court had recently allowed Texmaco Ltd to develop onethird of a 31-acre plot opposite Delhi University. The said land earlier belonged to Birla Mills and had been engaged in a legal tangle for some time. The remaining two-thirds of the plot opposite the university would lie with Delhi Development Authority (DDA), the Delhi government's developmental agency, which will share half the revenue received from any development with the company. Poddar added that currently the finer aspects of the project are being studied with the DDA and would be finalised very soon. He also pointed out the futility of setting up more wagon making units in the country when the ones operated by the private sector are not used to their optimum capacity. It may be mentioned that Union Railway Minister Mamata Banerjee had announced setting up four wagon-making units while presenting the Railway Budget for 2010-11. Texmaco has recently demerged its core wagon making and steel foundry business to Texmaco Rail and Engineering Ltd retaining the real estate business with itself. The de-merged entity is planning to venture into a new business of setting up logistics for the Railways via foreign collaboration, Ramesh Maheshwari, executive vice chairman, said without giving any further details. Courtesy Hindustan times dtd 03-08-2010 For more information house for sale, homes for sale, houses on rent, rental house, rented property, apartment for sale, property on sale, flats in delhi, flats in Gurgaon, rental flats on sale log on to http://www.zameen-zaidad.com and http://www.propertycafeteria.com
PATEL ENGNEERING LTD. LAUNCHES NEW RESIDENTIAL APARTMENTS IN NOIDA EXTENSIONPatel Engineering Ltd.comes with new project named “Patel Neotown” in your city which is located at Noida Extension. They are providing the Residential Apartments according to your comfort. They offer two and three bedroom Apartmentsalong with various amenities such as Club, Swimming Pool, Party Lawn, Badminton & Basketball & Tennis Court, Cricket Practice Pitch etc. which are a part of the township. Patel Engineering Ltd.offer special Prices according to the type of booking:-
MAXHEIGHT TOWNSHIP & PROJRCT PVT. LTD. LAUNCHES NEW RESIDENTIAL APARTMENTS IN SONEPATMaxheight Township & Project Pvt. Ltd. launches project named “Maxheight Metroview” in your city which is located at Sonepat. They are providing the Residential Apartmentsaccording to your comfort. Maxheights offer two, three and four bedroom Apartments along with various amenities such as Swimming Pool, Club House, Gym, Jacuzzi, Pool for Children with Water Park, Lawn for common functions etc. at no extra cost. MaxheightMetroview, only 300 Meter away from KMP Express Highway from NH1 to NH2 just beside Ansal Baderwals Green Escape Group Housing on one side and proposed Delhi Metro Rail From way on other side. They offer special Prices according to the type of booking:-
Principles for a small houseAsmall house will look spacious and airy if simple principles of Vaastu are observed. This will also increase the happiness and wellbeing of the residents. If there is only one room in the house, it is advisable for the shape of the room to be square or rectangular Interior decoration of a square or rectangular room is easy to be done as per Vaastu It is auspicious to have the main door of the room on the left in a south-facing room and on the right side in the north-facing room The place of worship can be anywhere in the room. It is not necessary to make it in the north-east zone The bed should be kept in such a way that the headboard is in the south and the legs should be in the north while sleeping. It is believed to be beneficial for health If the bed has some storage space, then store only off-seasonal clothes in it A small bed can be kept beneath the bed for the children, which they can use as an extra bed The bed should be kept in such a way that it is used from both sides. It should never be along the wall. If the bed is along the wall from one side it disturbs the harmony between couples It is considered inauspicious to sleep with the legs pointing in the direction of the door There should not be any beam, loft or fan just above the bed. This increases mental tension. An overhead tank above the bedroomis also considered inauspicious Courtesy Times Property Dtd. July 16, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/And http://www.propertycafeteria.com
Decorating your balcony is simple and rewarding, says Rekha KavoorAgarden balcony, terrace or even a place to put a few plants, there are many ways to up the style quotient of such an area. With a little imagination, a verandah or balcony can become a striking feature of your home, drawing attention away from the interior of the house, and creating a feel of extra space. Balconies do not merely have to be restricted to a space for drying clothes. They can be designed to make a pleasant getaway for city dwellers in need of space and fresh air. Most of us, however, tend to ignore our verandahs or balconies while decorating the house. As a result the space becomes an ideal place for drying clothes or to keep knick-knacks in the corner. If the space is designed properly, your verandah or balcony can double as your private getaway. Generally it's a common perception to consider a balcony and verandah as the same. The difference is a balcony is an outside area attached to an inside room of a house, apartment, flat or other building. It is usually accessible from inside the house. Balconies are usually built in multi-storey buildings, to provide a small outdoor living area for units or apartmentsthat are above ground level. While decorating your verandah or balcony you must remember that it has access to three critical aspects - the sun, the wind and the rain. You ought to make sure while decorating it that it is functional so you can enjoy all the three natural elements without being affected by them i.e. without getting sunburn, feeling cold or getting wet. In a small space, every inch counts, so make sure you plan it well. Make sure the scale of the various built elements and furnishings is appropriate to the size of your overall space. Use 'la Since verandahs are open on three sides and walled on one side, you have the advantage of getting as much natural light as possible. For the nights, you can use small lamps or niches or electronic diffused lamps. You can also place a small coffee table and an armchair or a rocking chair to enjoy your evening. Furniture Space permitting, furniture could also be coordinated for the outdoorsy look. There are the space-saving folding stools and chairs that could serve double duty inside as well as outside. A garden swing is, of course, the most preferred piece of furniture for those who have the space. Hammocks can be strung up on a need-to-use basis, giving the whole 'laidback' feel to your verandah or garden. If your balcony is large enough one can also recreate a miniature garden by placing synthetic grass and potted plants in a corner. But ensure that the space is not cluttered with too many potted plants and see to it there is an outlet for water to flow smoothly to avoid any sort of leakages. Alternatively, a small balcony in a smaller apartmentcan serve as a playroom for kids, or a quiet place to meditate, a study (if well protected from the dust, sun and rain) or a dressing room (if covered with opaque glass), a store room or a private lounge! So all you need to do is to let your creativity run free. Courtesy Times Property Dtd. July 16, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/And http://www.propertycafeteria.com
Property repossessions and mortgage arrears in UK fall in first quarter of 2010London : Property repossessions and mortgagearrears in UK fall in first quarter of 2010Arrears and repossessions in the UK are down but there is still vulnerability in the system as the property market remains fragile, experts are warning. The latest figures from the Council of Mortgage Lenders show that repossessions and mortgages entering arrears both fell in the first quarter of the year. However, the CML warned that this was no cause to complacency as a large number of households are ‘just coping’ and are vulnerable to any further shocks arising from the current economic uncertainty. Repossessions fell from 10,600 in the previous quarter to 9,800 in the first three months of 2010. As a proportion of all mortgages, repossessions accounted for 0.09%. The total proportion of loans with arrears equivalent to 2.5% or more of the mortgage balance was 2.38%, down from 2.52% in the previous quarter. And the number of loansin arrears fell from 196,400 at the end of 2009 to 186,300. ‘With all eyes on the new government and what steps it will take to address the fiscal deficit, we cannot emphasise too strongly the importance of continuing to fund the support mechanisms that are proving effective in containing mortgage arrears and repossessions,’ said CML director general Michael Coogan. ‘The fall was more marked in the lower arrears bands than among those with more substantial arrears, where the reduction was only very modest. This suggests that low interest rates and relatively stable employment have been helping to prevent new households falling into difficulty, but that many households with more entrenched problems are still struggling to restore their financial position and repay arrears. This debt overhang will require careful management over an extended period,’ he explained. ‘We hope and expect to be able to revise down our 53,000 forecast for repossessions in 2010, but we are acutely conscious of the beneficial influence that low interest rates and the package of support have played so far. The dampening effects on households and the wider housing market that fiscal tightening is likely to exert are still to be felt, but it should be a key priority to support borrowers most in need and maintain funding for the government’s housing policies,’ he added. The Royal Institution of Chartered Surveyors said it expects the number of repossessions in 2020 not to exceed 45,000. Chief economist Simon Rubinsohn said that a combination of low interest rates, early signs of economic recovery, an understanding attitude from lenders and the raft of measures introduced by the government have resulted in the decline in the number of repossessions. ‘Just as significant and welcome are the indications that this trend will continue to improve over the coming quarter. Claims issued, the initial stage of the repossession process, stood at just 18,500 which compares with a recent peak of almost 40,000 in the first quarter of 2008. There was also a further fall in the number of claims leading to an order. They are now barely 50% of where they were in the final three months of 2008,’ said Rubinsohn. ‘It is of course too soon to claim that the worst of the repossession news is now in the past. The prospect of a significant fiscal squeeze will take its toll on homeowners and it is improbable that interest rates can remain at 0.5% indefinitely. That said, the private sector is slowly gaining traction and should begin adding jobs over the coming year,’ he added For more log on to http://www.zameen-zaidad.com
THE STOREY GETS BIGGERPRIOR TO kick-starting redevelopment, the society should have paid appropriate stamp duty and registration DEVELOPERS ENTER into an agreement with the residents to merely develop the land. They don't own the land. THE SOCIETY should have a valid conveyance deed of land and building in its favour. ONCE THE society members’ consent is obtained, the society should submit the copy of the conveyance deed, certified copies of the property registration card, the latest electricity bill, water bill, municipal tax bill, etc to the developer. It should contain technical details such as the number of open car parking space, stilt car parking and closed parking allotted to existing society members. THE DEVELOPMENT agreement should spell out the broad specifications and amenities to be offered in the new building. THE AGREEMENT should mention the schedule of payments, tentative date for vacating the flats, the time period for completion etc. The old building by the members shall be linked with the plans being approved by the authority concerned. It should contain a penalty clause if the developer fails to meet the deadline. Courtesy By: The Economic Times Dtd: July 6, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
Maintenance of rented propertyThe issue of maintenance of rented premisesdepends a lot on the terms and conditions agreed upon between the parties and laid down in the lease agreement. The Rent Control Acts of various States also provide some guidance on this. According to these Acts, the landlord has a duty to keep the premises in good condition. Every landlord is bound to keep the premises in good and tenantable repairs. If the landlord neglects or fails to undertake any repairs which he is bound to undertake, within a reasonable time after notice in writing, the tenant may undertake the repairs himself and deduct the expenses on such repairs from the rent to recover them from the landlord. This is subject to the condition that the amount so deducted or recoverable in any year does not exceed one-twelfth of the rent payable by the tenant for that year. It is the responsibility of the landlord to ensure that the tenanted premises are habitable and safe. If need be, he should ensure that adequate repairs are undertaken to ensure this. In case the landlord is unable to do so or is unwilling to do so, the tenant may undertake these repairs. He needs to give proper notice to the landlord about this, specifically mentioning the nature of problems, the nature of inconvenience caused, the nature of safety hazards, and the necessary steps required to correct the problem. Moreover, it should be specifically mentioned that in case the landlord fails to undertake the repairs within the specified time, the tenant will have them done and will be eligible to recover the amount spent from the landlord. However, it should be noted that this would cover only repairs which are essential and urgent. It would not cover circumstances wherein the tenant wants some alterations or additions for his convenience. The essential test is if the repairs are needed to keep the premises safe, habitable and usable. In case any repairs are to be undertaken, without which the premises are not habitable or usable except with undue inconvenience, and the landlord neglects or fails to undertake them after notice in writing, the tenant may apply to the controller under the Rent Acts for permissionto undertake the repairs himself. He may submit to the controller an estimate of the costs of such repairs. If any repairs not covered by the amount are necessary in the opinion of the controller, and the tenant agrees to bear the excess cost himself, the controller may permit the tenant to undertake the repairs. Courtesy by: Times PropertyDtd: July 3, 2010
Mahindra Lifespaces In Talks With Karnataka Govt For 250-Acre SEZ Near Bangalore International AirportMAHINDRA & Mahindra (M&M), the diversified business group, plans to set up a 250-acre special economic zone (SEZ)catering to the aerospace sector near Bangalore International Airport. The M&M group has shown interest in setting up the SEZ, which is going to be built under a public-private partnership (PPP) model, said a state government official. Besides M&M, other companies have also put in evinced interest in aerospace SEZ, but their names could not be ascertained. “Mahindra Lifespaces, the infrastructure and real estate arm of the $7.1-billion Mahindra Group, is in preliminary dialogue with the Karnataka government for developing the aerospace SEZ,” said Anita Arjundas, CEO, real estate sector, Mahindra & Mahindra. “The company has strong experience in this kind of industrial development zones being the pioneer in the space with its Mahindra World City at Chennai and Jaipur.” M&M, which recently forayed into the aviation sector with the acquisition of two companies in Australia to manufacture aircraft, recently opened a component-making facility at Malur, on the outskirts of Bangalore. The Karnataka government plans to set up second SEZ focused on the aviation sector. The first facility in Belgaum is an aerospace engineering and manufacturing SEZ by QuEST Global. According to the official, the state government has already identified close to 1,200 acres for setting up aerospace SEZ at Devanahalli and it is estimated that each company would require a minimum of 250 acres to set up their facility. The Karnataka government, during the recently concluded global investorsmeet (GIM), signed MoUs with a couple of companies planning to invest in the aerospace sector at the SEZ in Devanahalli. BEML is planning a Rs 316-crore facility in the designated zone to provide design & manufacturing services in aircraft components, sub-assemblies and MRO activities. Dynamatic Technologies plans to invest Rs 465 crore to set up aerospace component unit and Starracheckert Machine Tools also plans to invest 127 crore for the same. The Karnataka government is expecting the aviation sector to be one of the state’s key industries. The eco-system of public sector units engaged in aircraft manufacturing & development, large number of IT companies and presence of precision equipment manufacturers makes the state an attractive destination for aviation companies. Courtesy by: The Economic Times Dtd: July 3, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
Mumbai residents paid Rs 4-5cr for their flatsIn a bonanza for residents of a Khar housing society, a builder has been buying off their mid-sized flats, paying each family between Rs 4 crore and Rs 5.5 crore. Mumbai-based Parinee Developers claims to have shelled out between RS 4 crore to RS 4.5 crore for a one-BHK flat and RS 5 crore to Rs 5.5 crore for a two and-a-a-half-BHK in the three decade-old Bharatiya Bhavan Cooperative Housing Society, which is located at the corner of 17th Road in Khar (west). Parinee plans to demolish the buildings and set up a high-end residential tower. However, there is a word of caution from real estate experts. They warn these huge amounts may send wrong signals in the redevelopment market, unnecessarily create hype and raise expectations of other housing societies in the area. However, Parinee said it is paying this astronomical price only because the society has utilized barely 40% of its floor space index(FSI). The developer has already bought out 20 of the 37 flats in the society and said it is negotiating with the remaining owners. “We are the finalizing the purchase of the remaining 17 flats. Our acquisition cost for all the flats is around Rs 200 crore,” said a spoke-person for the developer. The society comprising six building, each ground plus two floors, is spread over an area of 5,570 square and car parking. The one-BHKs have a carpet area of between 580 to 625 sq ft while the two BHKs are between 800 to 900 sq ft in size. Courtesy: Times of India Dtd: June 22, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
Vascon can bank on new projectsVASCON Engineers has been trading range-bound since its listing early this year and has not been able to beat the market. In the past one-week, ET Realty index and BSE Realty gained 5% and 4%, respectively, while the Vascon stock climbed just about 2%. Over the past five months, Vascon’s performance on bourses has not been a great one either. For instance, it was down 7% in the past three months, the stock was down 12%. Vascon is present in western and southern regions. It recently launched a couple of residential projects, after its IPO and has received a good response to the same. Selling at an average price of Rs 3,500 per sq ft in locations like Nashik, Pune and Coimbatore, the company has clocked a lot of presales. It has also bagged some new EPC contracts and currently its order book stands at Rs 3,500 crore. The company’s average size of EPC contracts has increased to Rs 60 crore from Rs 30 crore. Thus, even with a small number of orders, the company is expected to do well. As the company follows the project completion method, EPC will form a major proportion of the overall revenue of the company. For the year ended March ’10, the ratio for real estate and EPC in total revenue was 20% and 80%, respectively, and for 2011, it is expected to be 30% and 70%, respectively. Out of RS 115-crore funds raised, the company has repaid Rs 40 crore of loan and the balance is being utilized as per the issue ob The company’s net sales increased 47% for the year ended March 31, ’10 at Rs 738 crore compared to Rs 502 crore clocked last year. The Pune-based builder has been able to cut down its operational expenses, thus, boosting EBIDTA margins by 70 basis points to 11.6% in the current year. Net profit margins have just doubled for the same period and are now at 7% at RS 53 crore. Tax outflow was high on account of certain regulatory provisioning being done. Going forward, the company expects to maintain its current growth rate, despite having a high base. At an annual EPS of Rs 6.71 and current price of Rs 135.2, the company is valued at 20 times its earnings. It can’t be compared to standalone contracting companies, as it has a significant exposure to realty as well. Thus, at the current level, investors can look at entering the stock. Courtesy By: The Economic Times Dtd: June 29, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
ENSURE A GOOD RENTAL BEFORE A SECOND HOME LOANServicing two EMIs will substantially reduce tax benefits on second flat The rise in disposable income of the salaried has prompted bankers to aggressively sell them several of their products, like credit cards and personal loans. And, now, they are approaching them to give loans for second homes. According to reports, the country’s largest bank, State Bank of India, is wooing existing home owners with a good repayment record with a second home loan. The target age: 35 and above. The reasoning being that many of these customers have already purchased a first home and could be willing to upgrade. Or, purchase a second one as an investment. “Only existing customers with a very good loan repayment record have been approached. Since their salaries have risen substantially, they will be easily able to service a second loan. And credit cards to such customers,” said an SBI official. Advantage: While a home buyer gets tax benefits up to Rs 1.5 lakh interest payments on a first home loan, there is no limit on a second home laon. So, the entire interest payout is tax free. Precautions But while it does make sense in purchasing a second home, most financial planners would advise that it’s best not to put too much stress on one’s finances. Ideally, do not take a second home loan until you have repaid the first one or reduced it substantially. Experts say it is important to maintain a healthy EMI(equated monthly installment) to salary ratio, not more than 40-50 per cent. Otherwise, your other expenses might be adversely impacted and hurt your saving ability. Pankaj Mathpal, a certified financial planner, said while upgrading a first home could be good option, a second property may eat into a person’s savings. Unlike buying a second property, upgrading a property is easier, as it would involve a lower cost, since the bulk of the capital is likely to come from the first property. A loan over and above this would help ease matters. For example, if one had purchased a property of Rs 20 lakh around 10 years earlier, the price would have most likely reached Rs 30-35 lakh. Also, the major chunk of the loan would have been repaid. Purchasing a second property worth Rs 60 lakh would imply that 50 per cent of the money can be paid from the purchase of property. The rest of the amount can be raised through a loan. The bank, in this situation, will add the outstanding amount of the first laon with the new loan. The equated monthly installment will also increase, but not substantially. Check the return But if you are purchasing a second home, it is important to identify areas where a good rent is possible. This will ensure the burden on salary is reduced substantially. “Through buying real estate for the purpose of investing is a good idea and it is a good time to buy, as prices have still not peaked in many places, be cautious about the area you choose and your loan repayment capability,” warms Anil Rego, CEO, Right Horizons, a financial advisory firm. In fact, if you really want to invest in property, but it is a strain on your finances, go for a smaller property like a one-room and kitchen in a good area that will fetch a decent rental. The important thing is to remember that real estate prices may stagnate some-times. And, the return on acquisition, especially to satisfy investment needs has to justify the strain on finances. Courtesy: BS Dtd: June 24, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
Housing finance companies increased share of mortgages last yearHousing finance companies (HFCs) grew their mortgage portfolios at a faster rate than banks in the year up to March 31, thereby increasing their market share to 31 per cent, according to a study by Icra. According to its estimates, the total housing credit outstanding in India as on March 31 was Rs 4,31,300 crore, as on March 31,2009, growth of 13 per cent. The housing loan portfolios of HFCs as a whole reported a growth of 31 per cent during 2009-10, higher than the 10 per cent growth reported by commercial banks. With that, the share of HFCs in the mortgage market increased to 31 per cent as on March 31, from 29 per cent as on March 31, 2009. Vibha Batra, Senior Vice President and Co-Head, Financial, Sector Ratings, said, “HFCs continue to maintain superior asset quality vis-à-vis public sector banks (PSBs). The top five PSBs had a gross non-performing (NPA) percentage of 2.6 per cent in their housing finance book a on March 31, against which HFCs had 0.9 per cent. Credit provisions were low for HFCs at 0.07 per cent of average advances during 2009-10.” HDFC, State Bank of India (SBI), ICICI Bank and LIC Housing Finance (LIC HFL) dominate the domestic mortgage, together accounting for 55 per cent of the total housing credit in India as of March 31, the report said. Credit growth in the Indian mortgage finance market improved to 13 per cent in 2009-10 from 10 per cent in the previous financial year. This was party on the strength of an improved operating environment and expectations of appreciation in property prices and partly on account of the attractive interest rate schemes offered by both banks and HFCs. The “8 per cent home loan scheme” that was initially launched by State Bank of India in August 2009 to benefit home buyers during the festive season forced other lenders to launch similar products. While most withdrew the scheme by March some large pla Courtesy by BS dtd: June 17, 2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
Home loan interest gets benefitHome loantakers can rejoice. The revised discussion paper on the Direct Tax Code (DTC) has proposed to continue with the existing system of deducting interest payment (up to Rs 1.5 lakh) against home loan from total income before calculating the tax liability. The discussion paper released on August 2009 had proposed to do away with all the exemptions, including the tax benefit on interest payment against home loan. This, if implemented, could discourage home buyers. However, the department had also increased the exemption limit to Rs 3 lakh from the present level of Rs 1.1 lakh against investmentsin select instruments like PPF, pension funds and life insurance schemes. The Rs 1.5 lakh interest benefit against home loan will be included under 3 lakh ceiling. In the DTC, the government had earlier argued that as the exemption limit against investments has been increased, taxpayers will not be affected if benefit on interest payment against home loan is withdrawn. However, the withdrawal attracted a lot of criticism. And the government finally decided to get back to the earlier system. Even if the interest payment against home loan is not treated as a separate category and will be the part of the exemption limit of Rs 3 lakh, taxpayers will still benefit. According to the original DTC proposal, interest payment against home loanwas not allowed for deduction from the income. As many middle-income taxpayers will find it difficult to exhaust the 3 lakh ceiling, inclusion of interest payment of Rs 1.5 lakh in the total exemption limit will be beneficial. According to experts, government should continue with the deduction against interest payment on home loan as a separate category, considering contribution of the housing sector to the gross domestic product. Courtesy TOI dtd: 16/06/2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/And http://www.propertycafeteria.com
Ashberry Homes in AmritsarSouth Asian Real Estate, a foreign private-equity fund and a fully integrated investment and development company based in Cyprus and owned by UK- based Duet Group, has joined hands with Amritsar-based Impact Projects to launch Crescent ParC. The township will be spread over 104 acres on the Amritsar bypass. The project is barely 10 minutes drive from the Golden Temple via the elevated highway. Ashberry Homes has 276 residential units which include one-, two- and three-bedroom apartments in the ground+4and shift+4 formats. Courtesy Ht estate Dtd: 12/06/2010 For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in Amritsar, property for sale in Amritsar, apartments for sale in Amritsar, flats for sale in Amritsar homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in Amritsar, residence in gurgaon, flats for rent in gurgaon Log in tohttp://www.zameen-zaidad.com/ And http://www.propertycafeteria.com
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Previous Posts  VERTICAL GROWTH ONLY WAY, posted September 1st, 2010 THE ROAD AHEAD, posted September 1st, 2010 THE ROAD AHEAD, posted September 1st, 2010 RAINWATER HARVESTING FOR APARTMENTS, posted August 16th, 2010 THE COMPANY WILL BE DEVELOPING A RESIDENTIAL-***-COM- MERCIAL UNIT OPPOSITE DELHI UNIVERSITY TO BEGIN WITH., posted August 16th, 2010 THE COMPANY WILL BE DEVELOPING A RESIDENTIAL-***-COM- MERCIAL UNIT OPPOSITE DELHI UNIVERSITY TO BEGIN WITH., posted August 16th, 2010 PATEL ENGNEERING LTD. LAUNCHES NEW RESIDENTIAL APARTMENTS IN NOIDA EXTENSION, posted August 11th, 2010 MAXHEIGHT TOWNSHIP & PROJRCT PVT. LTD. LAUNCHES NEW RESIDENTIAL APARTMENTS IN SONEPAT, posted August 11th, 2010 Principles for a small house, posted August 3rd, 2010 Decorating your balcony is simple and rewarding, says Rekha Kavoor, posted August 3rd, 2010 Property repossessions and mortgage arrears in UK fall in first quarter of 2010, posted July 18th, 2010 THE STOREY GETS BIGGER, posted July 18th, 2010 Maintenance of rented property, posted July 12th, 2010 Mahindra Lifespaces In Talks With Karnataka Govt For 250-Acre SEZ Near Bangalore International Airport, posted July 12th, 2010 Mumbai residents paid Rs 4-5cr for their flats, posted July 6th, 2010 Vascon can bank on new projects, posted July 6th, 2010 ENSURE A GOOD RENTAL BEFORE A SECOND HOME LOAN, posted June 28th, 2010 Housing finance companies increased share of mortgages last year, posted June 28th, 2010 Home loan interest gets benefit, posted June 17th, 2010 Ashberry Homes in Amritsar, posted June 17th, 2010 Relief for property buyers, posted May 25th, 2010 The expansion in funding options has opened up vast windows of opportunity for the real estate sector, posted May 25th, 2010 Home Loans problems solutions, posted May 23rd, 2010 How Importance of insurance for your home, posted May 23rd, 2010 DLF to sell Aman Resorts, posted May 21st, 2010 HNIs queue up to tap housing mkt, posted May 21st, 2010 Funding fundas in real estate firm, posted May 16th, 2010 DDA is offering 8,000 flats for draw in June while another 7,000 flats are in various stages of construction all over the NCR, posted May 16th, 2010 Home loans Helping you realise your dreams, posted May 6th, 2010 An emerging real estate destination, posted May 6th, 2010 Jaypee Greens is launching the Kingswood Oriental, posted April 21st, 2010 Affordable homes, posted April 21st, 2010 Unitech appoints E&Y for demerger plan, posted April 14th, 2010 Emaar MGM may launch IPO in next 90 days, posted April 14th, 2010 The inverted effect of real estate on different city, posted April 8th, 2010 Mumbai flat fetches Rs 36cr, posted April 8th, 2010 ASHIANA TO INVEST RS 120 CRORE 3 FOUR-STAR CATEGORY HOTELS IN BHIWADI, JODHPUR, AND JAMSEDPUR, posted April 5th, 2010 Time to pick a home loan scheme, posted April 5th, 2010 RESIDENCE IN BANGALORE, posted March 30th, 2010 RESIDENCE IN CHENNAI, posted March 30th, 2010 BE AWARE ABOUT THE RIGHT OF REDEMPTION, posted March 20th, 2010 BUDGET BLUES FOR THE REALTY SECTOR, posted March 20th, 2010 ILD Trade Center, Commercial Office Space for sale in gurgaon sec 47, posted March 17th, 2010 Raheja Atlantis, 4 bedroom Duplex Apartments for sale, posted March 17th, 2010 BPTP PLANS RS 1,500 CR IPO IN EARLY 2010-11, posted March 12th, 2010 AB RETAIL TO ROPE IN INVESTOR, posted March 12th, 2010 Budget blues for realty, posted March 9th, 2010 Are developers following building codes?, posted March 9th, 2010 DLF CONVERTS MUMBAI MALL PROJECT INTO RESIDENTIAL ONE, posted March 6th, 2010 FOREIGN DEBT STILL SEEPING INTO REALTY, posted March 6th, 2010Blogroll Here are some friends' blogs... Help
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