Saturday, July 2, 2011

8:23 AM

Get your papers in order before seeking a Home loan

Ramesh and Anitha have identified their dream house. The three-bedroom apartment is by a reputed builder, the people who are already living there are great, the amenities and hobby and children's classes are ideal for their daughter to grow in and for them to retire with.
Roopkumar has, after months ofwindow shopping and magazine browsing, identified the right diamond necklace for his wife on their wedding anniversary. However, the necklace costs a lakh over his budget.
Roger, on a one-week deputation to Singapore from his office in India, sees a magnificent digital camera at a steep discount in a mall. The item was not on his purchase list. But the camera which costs `40,000 on discount will cost nothing less than `65,000 in India. He does not want to miss the opportunity to make a killing on the purchase.
One solution for all
The one solution for all the scenes above is to get a loan. But is getting a loan so easy? Yes, it is. The question is - "Have you taken the right loan?" The right loan takes care of the following things:
1. Choosing the right type of loan
2. The processing time matches your needs
3. The interest rate is competitive
4. The EMI is affordable
How to get the best loan?
Anyone with the right background can get a good loan. However, it requires some planning and preparation. In the three scenarios above, the choice of the loan (the first step) is relatively easy. Ramesh and his wife need to go for a housing loan. Roopkumar can opt for a personal loan and Roger can swipe his card for his camera.
After choosing the loan type, to ensure that the best deal is got, one has to take care of the documentation. The better the document support for processing the loan, the better the loan terms offered by the bank/ financial institution.
Document check list for housing loans
For the Ramesh family, who are looking at their housing loan, the checklist will include the following:
1. Documents Provided by the Seller/Builder
a. Property documents
i. The purchase deed of the builder/ seller
ii. DTP approval for the site
iii. Building approval documents
iv. Draft copy of the sale deed (which is to be registered)
b. Encumbrance certificate
c. Pre-Approved loan form (if any)
2. Documents to be kept ready by Ramesh
a. Tax returns filing documents for Ramesh and Anitha for 2 years.
i. If salaried without other income, the Form 16 provided by the employer will do as the supporting document.
ii. If salaried with other income, too (like rental, share trading, interest from bank deposit, etc) then the supporting document for all will be required.
iii. If income is from business, then the audited tax filing and income calculation documents will be required.
1. Care should be taken here that the filing dates are at least 6 months apart. Two tax filings within a short period will activate warning radars for the loan processing officer, as the intention for the filing would have been to get the loan.
b. Loan Track (if any) from of all the previous / current loans
c. A lawyer opinion on the documents provided by the builder/ seller. Though the bank/lending institution will do their own legal due diligence, it is better to check with a lawyer before the loan processing, as sometimes one may find a legal problem leading to rejecting the property itself.
d. PAN card(s)
e. Cash / deposit proof for the margin money / down payment. A minimum 15 to 20% of the total cost of the house is expected to be contributed by the buyer/borrower. From financial health perspective; higher the down payment, the better it is - as the loan burden will be lesser.
Documents check list for personal loans
The documents required for Roopkumar for the personal loan for his wife's necklace are not much. Generally, a personal loan will be processed much faster than a housing loan. There are always exceptions to this rule though.
The documents that Roopkumar needs to keep ready are:
1. Income documents as mentioned earlier
2. Loan track from previous /existing loans
3. Address proof
4. ID proof
5. PAN card
Since the personal loan is an unsecured loan, the track from previous loans, the address and ID proof are also important.
Documents check list for credit card
Roger is in a different situation compared with Ramesh and Roopkumar, as his loan is pre-approved in the form of a credit card. He has only one item to check for before going for buying his camera. He only has to check whether he has the credit balance on his card for going ahead with the transaction.
Summary
Each loan has its own list of documents to get the better of it. The housing loan probably is the most demanding of them all. The credit card however is the one that requires the most amount of thought (though it requires practically no documentation to use one).
8:22 AM

Students entering top institutes have better chances of landing a job and paying up

Merit list can get you a discount on study loan
Students entering top institutes have better chances of landing a job and paying up


Getting through a reputed management institution might just get you a cheaper education loan as banks look to encourage meritorious students.
Public sector banks are offering education loans to students of top institutes in the country at rates up to 200 basis points, or two percentage points, below those charged on regular education loans.
Central Bank of India, which has an education loan book of around `1,680 crore, provides student loans at base rate plus 150-200 bps, while for students who get admission in a reputed college can get it at a discount of nearly 1% under its Cent Vidyarthi scheme.
"We want to encourage meritorious students and therefore this discounted rate," says Ram Sangapure, general manager - retail banking at Central Bank.
Most public sector banks have a list of 100-150 'reputed' institutions, which can be accessed on the respective websites of these lenders.
State Bank of India (SBI), another major player in the education loan business, presents a list of about 109 such institutions. The list is largely populated by domestic management, medical and technology institutions. SBI offers its "scholar loans" at an interest rate of 12% compared with 13-14.5% for regular student loans. "Students under the scholar loans scheme are also exempted from producing collateral security for loans up to `4 lakh," said V Murali, general manager at SBI.
The initiative sure helps deserving students, while for banks, the main attraction is a greater likelihood of repayment.
"Banks have no prejudices for or against a particular institute. Students who get through these particular institutes have a high probability of landing good jobs, which ensures the loans are repaid on time. So this should be looked at as more of a method to avoid risk," says Suresh Sadagopan who runs Ladder 7, a financial planning firm.
Sangapure of Central Bank echoes the sentiment. "These students get a 100% placement as soon as they step out of the campus. Thus, we do not need to worry about repayment of the loans. Besides, in our case, students have been very honest and have repaid the loan amounts within the stipulated time period.
Apart from these, loans are available at discounted rates to girl students and students belonging to scheduled cast, scheduled tribes and other backward communities.

Friday, July 1, 2011

11:16 PM

Aamir Khan and Imran Khan on everything from mamu





A a f ( amir Khan Productions, which lagged off with Lagaan completed a decade. And its last three films -Peepli Live (2010), Dhobi Ghat (2011) and now Delhi Belly -have come with an `A' certificate, sparking off speculation that actor-producer Aamir, known for his `clean family entertainers', has switched tracks. He denies it, arguing that a creative person should have the freedom to make the kind of films he believes in. “And I'm a responsible producer. If a film is meant for adults, it should be censored accordingly. Dhobi Ghat was passed with a `U/A' certificate despite a few expletives, but I didn't want parents to come with their eight year olds for it. So I got it re-censored with an `A' certificate knowing that I was reducing my audience by half, perhaps a first in Hindi cinema,“ Aamir informs.
On Delhi Belly, both the censors and he amicably agreed on an `A' certificate, with both parties not comfortable with kids under 18 viewing it.
“My son Junaid can see it but my daughter Ira will have to wait till she's 18,“ he says, pointing out that while other producers tuck away the `A' in a corner, the Delhi Belly print ads have `Adults Only' written prominently across.
The film has `potty' humour, explicit sex scenes, cuss words and a controversial chartbuster, `Bhaag DK Bose...', supposedly inspired by Dolly Bindra's `gaalis' on Bigg Boss. “Yeah it does,“ agrees Aamir, “but there's not that much of `potty', no skin show, some expletives and definitely no Dolly. I'm told she was on some show but I don't watch much TV.“
Imran, one of the lead actors, endorses that and says that within minutes of hearing the song, he knew it would be a “huge hit“ and spark off a “huge controversy“ too.
He reasons, “Anything associated with youth culture that is cool and new-wave has ignited protests, whether it was Elvis and his pelvic thrusts or rock music and its free-love mantra. I wasn't surprised by the attacks on Aamir and the film, but our youthful target audience has connected with the song and the film.“









Aamir Khan and Imran Khan on everything from mamu's best production to bhanja's first haircut, from the 26/7 deluge to item numbers. And sh*t happens!
Sh*t happens... Who came up with the tag line?
AAMIR: I did. Akshat (writer Akshat Verma) had come up with a couple too...
IMRAN: `Sometimes fate is a bad plate of chicken...' There was also a Delhi Belly graphic against a brown paper backdrop shaped like a stomach.
AAMIR: And one that went, `Orange juice+ chicken will Sh*t happened to me when Imran asked me to produce Jaane Tu... for him.
never taste the same again!' They were all funny and clever, but you need to see the film for them to make sense. On the poster, you need a tagline that connects with the audience instantly. A line that conveys something crazy happening out of the blue, outside of your control, and turning lives topsyturvy. And that's how `Sh*t happens' happened!' IMRAN: (Chuckles) I thought it was awesome but since I've started promoting Delhi Belly, I've had to field questions like, “To yeh sh*t kya hai? (So what's this sh*t?)“ When did `sh*t happen' to you?
AAMIR: (With a twinkle) When Imran came to me with Jaane Tu... Ya Jaane Na (2008) and told me, “Mamu, I want you to produce this film for me.“ IMRAN: I didn't come to you, you did! AAMIR: (Laughs) It was a joke! IMRAN: Actually, I called to ask you to introduce me to your producer, UTV.
AAMIR: (Surprised): UTV? IMRAN: Yeah, Rang De Basanti (2006) promos had just come out. After looking at them, Abbas (director Abbas Tyrewala) and I thought maybe they'd be interested in our script. (Grins) Mamu, you are losing your memory in your old age.
AAMIR: On a more serious note, I'd say sh*t happened to me during the deluge of July 26, 2005. I was in an office in Lower Parel, supposed to catch a flight that night. My bags were in the car. I drove towards the airport and was stuck on the road for seven hours.
IMRAN: My house is on Pali Hill and the water flows downhill. So though the phone lines were jammed and the cable TV went off, I had no idea till I read the papers the next day. Otherwise, sh*t happens everyday as I go out dousing all kinds of fires.
Would you say that the projected `cold war' with Ranbir Kapoor was one of them?
IMRAN: (Shrugs) That was just The most bizarre gossip? That I was married to Preity Zinta, a couple of years after DCH. a blimp on the radar. Ranbir watched Delhi Belly the other day. There's no cold war.
What about you, Aamir? What's the most bizarre gossip you've heard about yourself?
AAMIR: That I was married to Preity Zinta. This was when I was separated from Reena (his first wife). Dil Chahta Hai had come out in 2001.
This was a couple of years after that! Aamir, Akshat had tried in vain to get an appointment with you and finally left the script at home.
Had your wife Kiran (Rao) not picked this one up randomly and started reading, would Delhi Belly have been made?
AAMIR: I don't think so.
(Smiles) I guess that's another instance of `sh*t happens'.
Imran, what was your reaction to the script? Like Kiran, did you also laugh your guts out?
IMRAN: For me, it was a dream come true. I remember the first time I saw Guy Ritchie's 1998 movie, Lock Stock And Two Smoking Barrels. My first reaction was, “Oh sh*t, do they make movies like this too?“ After that, my best friend, Sahil and I watched My parents always gave me plenty of rope so I didn't need to hang myself.
the movie once a month. I wished I could be part of one such movie. But the tricky part is that it is an intrinsically London film. You can't take it out of there. Akshat has got the style and tone right and yet written an organic Indian story.
AAMIR: I enjoyed Lock Stock And Two Smoking Barrels, but it didn't have any `Oh sh*t!' moments for me.
IMRAN: It's a crime caper with blood and gore, people die...
And yet, it's still funny.
AAMIR: Our film is not that violent. But yes, it has the crime element and the humour.
Imran, what's the most rebellious thing you've ever done?
IMRAN: My parents always gave me plenty of rope so I didn't need to hang myself.
AAMIR: There were no rules for him to break. But Faisal, my sisters, Nikhat and Farhad, and I had lots set for us. No parties for the girls and that meant we'd say we wouldn't go either. And a midnight deadline.
IMRAN: That's pretty reasonable for back then.
AAMIR: (Laughs) The party was on the building's terrace.
IMRAN: My mom (Nuzhat) never let me ride a bike. The opportunity came up once.
But when I told the director that I didn't know how to drive one but could learn, he said, “There's no time, we'll change the script!“ AAMIR: Reena, Kiran and I have never put any restrictions on my kids, Junaid and Ira, who are very responsible. I only want to be in the loop about what is happening in their lives.
Aamir, your earliest memory of Imran?
AAMIR: Taking him for his first haircut. He was four, his mom was out of town. I told the barber to give him a clean shave. (Grins) He was sitting with his head down and only looked into the mirror after half his hair was gone. And instantly started crying, wouldn't stop! His head as smooth as an egg. Nuzhat returned after a few days and cried out, “What have you done to my boy?“ I told her I had got him a haircut! Imran, what's your earliest memory of mamu?
IMRAN: I was on this Mall Road set of Jo Jeeta Wohi Sikander (1992) at Film City, in costume and make-up, ready to face the camera.
Mamu took one look at my garishly made-up face and said, “Terrible!“ He then wiped off all the paint and re-did the make-up himself.
Aamir you were supposed to do Kunal Kapoor's role in the film?
AAMIR: I wanted to, but couldn't afford to put on so much Imran has shown huge growth as an actor since Jaane Tu...
Ya Jaane Na. His best performance yet is in Delhi Belly.
weight and then lose it all.
IMRAN: I keep trying to imagine mamu in the role, but Kunal has inhabited it so well that it's difficult.
AAMIR: There's a Tom Cruise film in which he's unrecognisable. Fat, hairy producer...
IMRAN: Tropic Thunder! AAMIR: (Smiles) Now see if you can imagine me in Delhi Belly?
IMRAN: Tom breaks into a jig while the end credits are rolling. His film is winning Oscars and he does this hiphop dance... Hairy arms, pelvic thrusts and `ganda sa' (dirty) steps. Fantastic! Aamir has done an item number for Delhi Belly, enjoyed it?
AAMIR: Yeah, it was cool... I've done some weird stuff, but this was one of the weirdest. What's your favourite item song?
IMRAN: `Munni badnaam hui...'(Dabangg, 2010). Without humour, a song like that could turn sleazy.
AAMIR: `Choli ke peechey kya hai...' (Khal Nayak, 1993).
Aamir, what's the one thing about Imran that you envy?
AAMIR: His height, I wish I were taller.
IMRAN: I envy mamu's innate understanding of cinema. He can pick a random shot and tell you it would be better at this point in the story. Wow! I've done some weird stuff, but this song was the weirdest! Hairy arms, pelvic thrusts and `ganda sa' (dirty) steps...
How would you rate Aamir as a producer on a scale of 10?
IMRAN: A straight 10! Aamir, how would you rate Imran as an actor?
AAMIR: 8/10. I'm not generous with marks, but Imran has shown a huge growth as an actor since Jaane Tu... Ya Jaane Na. I see more ease and confidence now. And I'm hoping and assuming that the improvement goes beyond this, so I can give him those two extra points soon. His best act yet is in Delhi Belly.
IMRAN: And mamu's was 3 Idiots (2009).
And from the Aamir Khan Productions repertoire over the last decade, take your pick...
IMRAN: Taare Zameen Par (2007) (TZP). It was so real, stripped down to bare bones, while the other movies, whether Lagaan (2001) or Jaane Tu... Ya Jaane Na, had a sense of cinema. I guess it had to do with the fact that it was Darsheel (Safary) and not Aamir who was the hero, a little boy from a middleclass family.
AAMIR: I agree with Imran. All my films in a two decade-plus career have been creatively different, but TZP was the only one that changed lives across the country. It changed the way parents looked at their kids and how children perceived themselves. It altered the perception of the education system and the equation in a parentchild relationship.
IMRAN: I remember once I was at an airport when this guy came running up to me and told me that he'd heard I was an actor and related to Aamir Khan. When I confirmed this, he pulled out a bunch of paper napkins from his pocket.
AAMIR: Napkins?
IMRAN: Yeah, he said that Taare Zameen Par was his story so he had scribbled his thoughts on the film on the napkins in the form of a letter and wanted me to pass it on to you.
AAMIR: Where is it?
IMRAN: I passed it on to one of your assistants. Maybe it's in a pile somewhere.
AAMIR: Must search for it, we might just find another gem like Akshat's Delhi Belly script. Sh*t happens! Mamu's best act was 3 Idiots
11:10 PM

YOUR HANDYGUIDE TO THE BEST OF THE WEEK






 If you know about an event in the city, share it at ht.cafe@gmail.com SHOP Search Friday Lee offers upto 50 per cent discount on all menswear and women's wear, with offers like buy two and get two free on tops. At all Lee stores.
Saturday Rajesh Pratap Singh announces the beginning of their sale, ending on July 10. Rush to grab the best deal till the stocks last. At the Courtyard, Colaba.
Sunday Make-up brand Inglot launches offers MUST like buy three, get one free on their range of colour cosmetics. At the BUY stores at G7 Mall, Andheri and Infiniti Mall, Malad.
Monday Tribhovandas Bhimji Zaveri launches jewellery for men under the brand name The Gentlemen's Collection. Available in gold and diamonds under four categories -daily wear, formal wear, festival wear and club wear. At TBZ stores across the city.
Tuesday Puma sale offers customers up to 50 per cent off on jackets, sweatshirts, sneakers and more. Offer on till July 31 at all Puma exclusive outlets.
Wednesday Designer Kunal Rawal launches his monsoon collection of windcheaters with cotton jersey lining with zipper hoods and adjustable straps and flip-flops. At Kunal Rawal Studio, Juhu. EVENTS Search Friday MUST Catch comedians Rob Deering, Roger Monkhouse and Andre WATCH Vincent perform at The Comedy Store, Palladium, on July 1 and 3, at 8.30 pm. Call 43485000 Saturday Attend photo exhibition, Missing Compass, at the PL Deshpande Art Gallery, Prabhadevi. The stills displayed at the exhibition showcase a journey of cultures stumbled upon and memories of a road less travelled. On till July 12.
Sunday Akvarious Productions presents Super 8, a collection of eight compact contemporary comedies. At the Comedy Store, Palladium, at 6 pm. Entry: R 400. Call 43485000.
Monday Head to Café Goa, Linking Road, Bandra (West), for Monday Night Slam. Random audience members judge poets, as they compete against their peers for prize money and bragging rights for a month.
Wednesday Shailbhramar, a well-known mountaineering club from Mumbai is organising its 7th Mountaineering Film Festival. Submissions on for films, presentations and documentaries on mountaineering and nature to be screened at the festival. Call 09987099176 for details. ART Search Friday And it is Love, paintings by Poonam Agarwal are on display at Museum Art Gallery, Kala Ghoda.
Last two days left.
Saturday Magic Realism, an exhibition of tribal art from Madhya Pradesh is on display at Gallery Svenska, Andheri till July 31.
Sunday MUST Director Waman Kendre is launching his play in three languages on the SEE same day at NCPA Experimental Theatre. Watch the Marathi version ­ Priya Bawri at 2 pm, Hindi version ­ Mohe Piya at 4.30 pm and English version ­ O My Love at 7 pm.
Watch Arms and the Man, an English play by the Motley Theatre Group, directed by Naseeruddin Shah at 7 pm, Tata Theatre, Nariman Point.
Gujarati play Korat will premiere at 8 pm, Bhavans Auditorium, Chowpatty. It is the story of a layman living in Surat, who questions whether law is greater than humanity.
Monday A solo exhibition by Michelle Roy will be on display at The Art Loft, Bandra (W) till July 5.
Tuesday View works by TM Aziz, Babu Xavier and Ramesh Gorjala at Tulika Arts Gallery, Lower Parel till July 16. The paintings can also be viewed at www.tulikaartsgallery.com. FOOD Search Friday MUST Zenzi, Bandra introduces a delectable fare of sushi in their menu, also availEAT able in vegetarian, the dishes are priced between Rs 300 and Rs 400.
Call 022 66430670.
Saturday A website dealface.com introduces a special treat for all foodies in the form of special platters with oriental and continental delicacies. Log on and head to Cool Chef Café, Worli.
Sunday This Sunday, make sure you enjoy a lazy brunch at Blue Frog, with this delectable spread of continental dishes. An acoustic singer-songwriter makes sure your wine goes down right. Call 61585858 for reservations.
Monday If you have a sweet tooth, indulge in at this low-cost dessert café, Nashta Chai, with all desserts priced under R 60. Call 66158888.
Tuesday Sanchos, Khar introduces new Tacos. With options of corn or wheat flour shells, they are wholly served with salsa, lettuce and yummy re fried beans. Call 67094455.
Wednesday Souk, Taj Mahal Palace, Colaba is hosting a weeklong pita festival, called Pita Fil. Call 66653366. CLUBS Search Friday DJ Manjo performs at Aurus tonight. He'll spin across genres. Expect everything from beatbreak, house, dubstep to jazz.
Saturday Ma Faiza performs at Q night, to mark the second anniversary of Section 377, along with artistes from the LGBT community. At Blue Frog, Lower Parel. Entry R 500.
Sunday Keyboardist Abhijit Pohankar jazzes up the scene with his fusion band, Soundz of India. Catch him performing at Blue Frog, Lower Parel. Entry for R 300. Wednesday DJ Henson sets the roof on fire with his mix of popular dance hits at Gadda da Vida, Novotel, Juhu.
Thursday Frenchman Titi Robin launches his new album that features his collaboration with Indian artistes at Blue Frog, Lower Parel.
Friday Bonobo, Bandra presents bass-heavy night, Woble with DJ Uri, Breed Bass, Pravvy Prav and MC PRIT from UK. Dock now.

Saturday, June 25, 2011

8:29 PM

Jobs Available संधी रोजगाराची खात्री नोकरीची

औरंगाबादेतील वाल्मी संस्थेत सहयोगी प्राध्यापकाच्या ४ जागा
औरंगाबाद येथील जल व भूमी व्यवस्थापन संस्थेत (वाल्मी) सहयोगी प्राध्यापक (४ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख २० जुलै २०११ आहे. यासंबंधीची सविस्तर जाहिरात www.walmi.org या संकेतस्थळावर उपलब्ध आहे.

पंजाब नॅशनल बँकेत ५८१ जागा
पंजाब नॅशनल बँकेत मुख्य व्यवस्थापक-माहिती तंत्रज्ञान (१ जागा), वरिष्ठ व्यवस्थापक-विपणन (१० जागा), व्यवस्थापक-क्रेडिट (११५ जागा), व्यवस्थापक-सुरक्षा (२० जागा), व्यवस्थापक-विपणन (४७ जागा), व्यवस्थापक-अर्थ (४ जागा), उपव्यवस्थापक-माहिती तंत्रज्ञान (२०२ जागा), विपणन अधिकारी (१०४ जागा), अग्निशमन अधिकारी (२ जागा), मनुष्यबळ विकास अधिकारी (२० जागा), डाटा ॲनालिसिस (५ जागा), हिंदी अधिकारी (५१ जागा) ही पदे भरण्यात येणार आहेत. ऑनलाईन अर्ज करण्याची शेवटची तारीख १५ जुलै २०११ आहे. यासंबंधी सविस्तर माहिती व अर्ज www.pnbindia.in या संकेतस्थळावर उपलब्ध आहे.

मुंबईतील माझगाव डॉक लिमिटेडमध्ये ५८६ जागा
मुंबईतील माझगाव डॉक लिमिटेडमध्ये विविध ट्रेडमधील कुशल -निमकुशल इंडस्ट्रियल ऑपरेटिव्हज (५८६ जागा) हे पद कंत्राटी तत्त्वावर भरण्यात येणार आहे. या पदासाठी थेट मुलाखती दि. ५ जुलै २०११ ते २१ जुलै २०११ या कालावधीत होणार आहेत. यासंबंधीची सविस्तर जाहिरात दै. लोकसत्तामध्ये दि. २३ जून २०११ या दिवशी प्रसिद्ध झाली आहे. अधिक माहिती www.mazagondock.gov.in या संकेतस्थळावर उपलब्ध आहे.

चेन्नई येथील हेडक्वॉर्टर कोस्ट गार्ड रिजन (ईस्ट) मध्ये २३ जागा
चेन्नई येथील हेडक्वॉर्टर कोस्ट गार्ड रिजन (ईस्ट) मध्ये स्टोअर किपर (१ जागा), असिस्टंट स्टोअर किपर (३ जागा), इंजिन चालक (२ जागा), एमटी फिटर (२ जागा), आयसीई फिटर (६ जागा), इलेक्ट्रिकल फिटर (१ जागा), शिप फिटर (२ जागा), मेकॅनिस्ट (२ जागा), इन्स्ट्रुमेंट फिटर (२ जागा), वेल्डर (२ जागा) ही पदे भरण्यात येणार भरण्यात येणार आहे. या पदांसाठी अर्ज जाहिरात प्रसिद्ध झाल्यापासून ४५ दिवसांत करावे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजच्या ११-१७ जून २०११च्या अंकात आली आहे.


सशस्त्र सीमा दलाच्या पॅरा मेडिकल स्टाफमध्ये २३३ जागा
सशस्त्र सीमा दलाच्या पॅरा मेडिकल स्टाफमध्ये स्टाफ नर्स (४५ जागा), एएसआय-फार्मासिस्ट (२ जागा), एएसआय- फिजिओथेरपिस्ट (३ जागा), एएसआय-ऑपरेशन थेटर टेक्निशियन (३ जागा), एएसआय-डेंटल टेक्निशियन (३ जागा), हेडकॉन्स्टेबल-स्टुअर्ड (३ जागा), कॉन्स्टेबल-लॅब असिस्टंट (३६ जागा), कॉन्स्टेबल-नर्सिंग ऑर्डर्ली (१२० जागा), कॉन्स्टेबल- आया (९ जागा), कॉन्स्टेबल-मसाजची (६ जागा), कॉन्स्टेबल-टेबल बॉय (३ जागा) ही पदे भरण्यात येणार आहेत. अर्ज पाठविण्याची शेवटची तारीख २० जुलै २०११ आहे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजच्या ११-१७ जून २०११च्या अंकात आली आहे.

यवतमाळ जिल्हाधिकारी कार्यालयात तलाठीच्या २१ जागा
यवतमाळ जिल्हाधिकारी कार्यालयात तलाठी (५५ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख २ जुलै २०११ आहे. सविस्तर जाहिरात दै. देशोन्नतीमध्ये दि. १८ जून २०११ रोजी प्रसिद्ध झाली आहे. संबंधीची सविस्तर माहिती http://ese.mah.nic.in/ या संकेतस्थळावर उपलब्ध आहे.

केंद्रीय जलसंपदा मंत्रालयात ८ जागा
केंद्रीय जलसंपदा मंत्रालयात ॲसेसोर (२ जागा), प्रधान खासगी सचिव (२ जागा), खासगी सचिव (१ जागा), सहायक (२ जागा), उच्चस्तर लिपिक (१ जागा) ही पदे भरण्यात येणार आहेत. या पदांसाठी अर्ज जाहिरात प्रसिद्ध झाल्यापासून ६० दिवसांत करावे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजच्या ११-१७ जून २०११च्या अंकात आली आहे.

बेस्टमध्ये कनिष्ठ स्वच्छकच्या ३५७ जागा
बृहन्मुंबई विद्युत पुरवठा आणि परिवहन उपक्रमात (बेस्ट) कनिष्ठ स्वच्छक (३५७ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख १४ जुलै २०११ आहे. यासंबंधीची सविस्तर जाहिरात दै. लोकमतमध्ये दि. १५ जून २०११ रोजी प्रसिद्ध झाली आहे. अधिक माहिती www.bestundertaking.com या संकेतस्थळावर उपलब्ध आहे.

बेस्टमध्ये अभियंत्यासाठी ३६ जागा
बृहन्मुंबई विद्युत पुरवठा आणि परिवहन उपक्रमात (बेस्ट) उप अभियंता (१५), चार्ज अभियंता (२१ जागा) ही पदे भरण्यात येणार आहेत. अर्ज करण्याची शेवटची तारीख २४ जून २०११ आहे. यासंबंधीची अधिक माहिती www.bestundertaking.com या संकेतस्थळावर उपलब्ध आहे.

एमपीएससीमार्फत कृषी सेवेतील ४०४ जागांसाठी भरती
महाराष्ट्र लोकसेवा आयोगामार्फत महाराष्ट्र कृषी सेवा (पूर्व) परीक्षेची घोषणा करण्यात आली आहे. या अंतर्गत महाराष्ट्र कृषी सेवा गट अ (४० जागा), महाराष्ट्र कृषी सेवा गट ब (१२८ जागा), महाराष्ट्र कृषि सेवा गट ब-कनिष्ठ (२३६ जागा) ही पदे भरण्यात येणार आहेत. ऑनलाईन अर्ज करण्याची शेवटची तारीख ६ जुलै २०११ आहे. यासंबंधीची जाहिरात दै. लोकसत्तामध्ये दि. १८ जून २०११ रोजी प्रसिद्ध झाली आहे. अर्ज व अधिक माहिती www.mpsc.gov.in व www.mpsconline.gov.in या संकेतस्थळावर उपलब्ध आहे.

रत्नागिरी जिल्हा परिषदेत कनिष्ठ अभियंत्याच्या ११४ जागा
रत्नागिरी जिल्हा परिषदेत कनिष्ठ अभियंता (११४ जागा) हे पद कंत्राटी पद्धतीने भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख ४ जुलै २०११ आहे. यासंबंधीची जाहिरात दै. लोकसत्तामध्ये दि. १८ जून २०११ रोजी प्रसिद्ध झाली आहे.

मुंबई उपनगर जिल्ह्यात तलाठी पदाच्या ७ जागा
मुंबई उपनगर जिल्ह्यातील उपविभागीय अधिकारी यांच्या आस्थापनेवरील तलाठी (७ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख ४ जुलै २०११ आहे. यासंबंधीची सविस्तर जाहिरात दै. सामनामध्ये दि. १८ जून २०११ रोजी प्रसिद्ध झाली आहे. अधिक माहिती www.mumbaisuburban.gov.in या संकेतस्थळावर उपलब्ध आहे.

इंडो तिबेटन बॉर्डर पोलीस फोर्समध्ये ६५३ जागा
इंडो तिबेटन बॉर्डर पोलीस फोर्समध्ये कॉन्स्टेबल/पायोनियर (२०२ जागा), कॉन्स्टेबल-ट्रेडसमन (४५१ जागा) ही पदे भरण्यात येणार आहेत. अर्ज करण्याची शेवटची तारीख १६ जुलै २०११ आहे. यासंबंधीची जाहिरात महाराष्ट्र टाइम्समध्ये दि. १० जून २०११ रोजी प्रसिद्ध झाली आहे. अधिक माहिती www.itbp.gov.in या संकेतस्थळावर उपलब्ध आहे.

महाराष्ट्र विद्युत नियामक आयोगात २१ जागा
महाराष्ट्र विद्युत नियामक आयोगात कार्यकारी संचालक (१ जागा), संचालक-प्रशासन व वित्त (१ जागा), संचालक- विद्युत अभियांत्रिकी (१ जागा), संचालक-वीज दर (१ जागा), संचालक-विधी (१ जागा), उपसंचालक-प्रशासन व वित्त (४ जागा), उपसंचालक-तांत्रिक (८ जागा), उपसंचालक-विधी (४ जागा) ही पदे भरण्यात येणार आहेत. अर्ज १ ऑगस्ट २०११ पूर्वी पाठवावेत. अधिक माहिती www.mercindia.org.in या संकेतस्थळावर उपलब्ध आहे. यासंबंधीची जाहिरात दै. सकाळ, लोकमत व लोकसत्तामध्ये दि. १५ जून २०११ रोजी प्रसिद्ध झाली आहे.

भारतीय तटरक्षक दलात नाविक पदाच्या ५२ जागा
भारतीय तटरक्षक दलात नाविक-जनरल ड्युटी (५२ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख ८ जुलै २०११ आहे. यासंबंधीची अधिक माहिती www.indiancoastguard.nic.in. या संकेतस्थळावर उपलब्ध आहे.

भारतीय तटरक्षक दलात सहायक कमांडंट पदासाठी भरती
भारतीय तटरक्षक दलात सहायक कमांडंट हे पद भरण्यात येणार आहे. या पदासाठीची थेट नोंदणी व प्राथमिक निवड देशातील मुंबई, चेन्नई, कोलकत्ता, नोएडा या केंद्रांवर होणार आहे. ही नोंदणी व प्राथमिक निवड ही दि. २४ जून ते ६ जुलै २०११ या कालावधीत वरील केंद्रावर होणार आहे. अर्ज व अधिक माहिती www.indiancoastguard.nic.in. या संकेतस्थळावर उपलब्ध आहे.

बेस्टमध्ये वाहनचालकांच्या १५१८ जागा
बृहन्मुंबई विद्युत पुरवठा आणि परिवहन उपक्रमात (बेस्ट) इतर मागासवर्गीयांसाठी विशेष भरती मोहिमेअंतर्गत कनिष्ठ बस चालक (१५१८ जागा) हे पद भरण्यात येणार आहे. अर्ज करण्याची शेवटची तारीख ५ जुलै २०११ आहे. यासंबंधीची जाहिरात दै. सकाळ, लोकमतमध्ये दि. १५ जून २०११ रोजी प्रसिद्ध झाली आहे.

बृहन्मुंबई महानगरपालिकेत सहायक कायदा अधिकारीच्या ४२ जागा
बृहन्मुंबई महानगरपालिकेत सहायक कायदा अधिकारी (४२ जागा) हे पद भरण्यात येणार आहे. या पदासाठी थेट मुलाखती दि. २८ जून २०११ ते १ जुलै २०११ या कालावधीत होणार आहेत. यासंबंधीची जाहिरात दै. सकाळ, लोकमतमध्ये दि. १५ जून २०११ रोजी प्रसिद्ध झाली आहे.

भारतीय स्टेट बँकेत प्रोबेशनरी ऑफिसरच्या ४९८७ जागा
भारतीय स्टेट बँकेत स्पेशालिस्ट ऑफिसर केडरमध्ये व्यवस्थापक-विधी (१६ जागा), व्यवस्थापक-इकॉनॉमिस्ट (२ जागा), उपव्यवस्थापक-इकॉनॉमिस्ट (२ जागा), उपव्यवस्थापक-सुरक्षा (३० जागा), सहायक व्यवस्थापक-सिस्टिम (१०० जागा), सहायक व्यवस्थापक-विधी (१५ जागा जागा), स्थायी अर्धवेळ वैद्यकीय अधिकारी (४१ जागा) ही पदे भरण्यात येणार आहे. या पदासाठी ऑनलाईन अर्ज करण्याची शेवटची तारीख ३० जून २०११ आहे. अधिक माहिती http://www.sbi.co.in या संकेतस्थळावर उपलब्ध आहे.

मुंबईतील गर्व्हनमेंट मिंटमध्ये ५० जागा
मुंबईतील गर्व्हनमेंट मिंटमध्ये फिटर (२९ जागा), इलेक्ट्रिशियन (१० जागा), टर्नर/मेकॅनिस्ट (६ जागा), पेंटर (१ जागा), सुतार (२ जागा), प्लंबर (१ जागा), वेल्डर (१ जागा) ही पदे भरण्यात येणार आहेत. अर्ज जाहिरात प्रसिद्ध झाल्यापासून २१ दिवसाच्या आत करावे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये ४-१० जून २०११च्या अंकात प्रसिद्ध झाली आहे.

राहुरी येथील महात्मा फुले कृषी विद्यापीठात ३२ जागा
राहुरी येथील महात्मा फुले कृषी विद्यापीठात वरिष्ठ संशोधन सहायक (२२ जागा), कार्यालय अधिक्षक (७ जागा), लघुलेखक उच्चश्रेणी-इंग्रजी (१ जागा), लघुलेखक उच्चश्रेणी-मराठी (२ जागा) ही पदे भरण्यात येणार आहेत. अर्ज सादर करण्याची शेवटची तारीख ३० जून २०११ आहे. यासंबंधीची अधिक माहिती http://www.intranet.maharashtra.gov.in/ या संकेतस्थळावर उपलब्ध आहे.

हिंदुस्थान एरोनॉटिक्स लिमिटेडमध्ये ७१ जागा
हिंदुस्थान एरोनॉटिक्स लिमिटेडमध्ये प्रशिक्षणार्थी पदविकाधारक-मेकॅनिक (६० जागा), पदविकाधारक-इलेक्ट्रिकल (५ जागा), प्रशिक्षणार्थी फार्मासिस्ट (२ जागा), प्रशिक्षणार्थी नर्स (४ जागा) ही पदे भरण्यात येणार आहेत. अर्ज करण्याची शेवटची तारीख २५ जून २०११ आहे. यासंबंधीची अधिक माहिती http://ese.mah.nic.in या संकेतस्थळावर उपलब्ध आहे.

वरणगाव ऑर्डनन्स फॅक्टरीत बॉयलर अटेंडंटच्या २ जागा
महाराष्ट्रातील वरणगाव येथील ऑर्डनन्स फॅक्टरीत बॉयलर अटेंडंट (२ जागा) हे पद भरण्यात येणार आहे. अर्ज जाहिरात प्रसिद्ध झाल्यापासून २१ दिवसाच्या आत करावेत. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये २८ मे - ३ जून २०११च्या अंकात प्रसिद्ध झाली आहे.

भारतीय स्टेट बँकेत प्रोबेशनरी ऑफिसरच्या ४९८७ जागा
भारतीय स्टेट बँकेत तसेच त्याच्या सहयोगी बँकांमध्ये प्रोबेशनरी ऑफिसर (४९८७ जागा) हे पद भरण्यात येणार आहे. या पदासाठी ऑनलाईन अर्ज करण्याची शेवटची तारीख २५ जून २०११ आहे. अधिक माहिती http://www.sbi.co.in या संकेतस्थळावर उपलब्ध आहे.

भारत प्रतिभूती मुद्रण तथा मुद्रा निर्माण महामंडळात ४५ जागा
भारत सरकारच्या भारत प्रतिभूती मुद्रण तथा मुद्रा निर्माण महामंडळात उपमहाव्यवस्थापक-मार्केटिंग (१ जागा), व्यवस्थापक-तांत्रिक (३ जागा), उपव्यवस्थापक -पेपर (१ जागा), उपव्यवस्थापक -तांत्रिक (२ जागा), उप व्यवस्थापक-इंक फॅक्टरी (१ जागा), उपव्यवस्थापक-क्वॉलिटी एशुरन्स (२ जागा), उपव्यवस्थापक-एचआर (५ जागा), उपव्यवस्थापक-वित्त व लेखा (५ जागा), उपव्यवस्थापक-आयटी (२ जागा), उपव्यवस्थापक-मटेरियल (४ जागा), मटेरियल ऑफिसर (६ जागा), आयटी अधिकारी (८ जागा), एक्झिक्युटिव्ह असिस्टंट (१ जागा), कनिष्ठ सेक्रेटरी (४ जागा) ही पदे भरण्यात येणार आहेत. अर्ज जाहिरात प्रसिद्ध झाल्यापासून २१ दिवसाच्या आत करावेत. सविस्तर माहिती www.spmcil.com या संकेतस्थळावर उपलब्ध आहे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये २८ मे - ३ जून २०११च्या अंकात प्रसिद्ध झाली आहे.

स्टाफ सिलेक्शन कमिशनमार्फत १८८२ जागांसाठी भरती
भारत सरकारच्या कर्मचारी निवड समितीतर्फे (स्टाफ सिलेक्शन कमिशन) केंद्रीय पोलीस दलातील उपनिरीक्षक (११०४ जागा), सहायक उपनिरीक्षक (६७८ जागा), इंटलिजंट ऑफिसर (१०० जागा) ही पदे भरण्यात येणार आहेत. अर्ज करण्याची शेवटची तारीख २४ जून २०११ आहे. सविस्तर माहिती http://ssc.nic.in या संकेतस्थळावर उपलब्ध आहे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये २८ मे - ३ जून २०११च्या अंकात प्रसिद्ध झाली आहे.

नाशिक येथील इंडिया सिक्युरिटी प्रेसमध्ये २३ जागा
नाशिक येथील इंडिया सिक्युरिटी प्रेसमध्ये सहायक कार्य अभियंता (९ जागा), सहायक पर्यवेक्षक (१४ जागा) ही पदे भरण्यात येणार आहेत. अर्ज जाहिरात प्रसिद्ध झाल्यापासून २१ दिवसाच्या आत करावेत. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये २८ मे - ३ जून २०११च्या अंकात प्रसिद्ध झाली आहे.

भारतीय रिझर्व्ह बँकेत संशोधन अधिकारीच्या १३ जागा
भारतीय रिझर्व्ह बँकेत संशोधन अधिकारी (१३ जागा) हे पद भरण्यात येणार आहे. ऑनलाईन अर्ज करण्याची शेवटची तारीख २७ जून २०११ आहे. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये २८ मे - ३ जून २०११च्या अंकात प्रसिद्ध झाली आहे. या संबंधीची सविस्तर माहिती http://.onlinedr.rbi.org.in या संकेतस्थळावर उपलब्ध आहे.

सीमा सुरक्षा दलाच्या पॅरा मेडिकल स्टाफमध्ये ११२ जागा
सीमा सुरक्षा दलात पॅरा मेडिकल स्टाफमध्ये उपनिरीक्षक-स्टाफ नर्स (१८ जागा), सहायक पोलीस उपनिरीक्षक-फार्मासिस्ट (३६ जागा), सहायक पोलीस उपनिरीक्षक-ओटी टेक्निशियन (९ जागा), सहायक पोलीस उपनिरीक्षक-फिजिओथेरपिस्ट (१ जागा), हेडकॉन्स्टेबल-स्टुअर्ड (३ जागा), हेडकॉन्स्टेबल-ज्यु. एक्स रे टेक्निशियन (१ जागा), हेडकॉन्स्टेबल-एएनएम नर्स (४ जागा), हेडकॉन्स्टेबल-पॅरामेडिक (१६ जागा), कॉन्स्टेबल-मसालची (१२ जागा), शिपाई (१ जागा), टेबल बॉय (९ जागा) ही पदे भरण्यात येणार आहेत. अर्ज ४० दिवसांच्या आत करावेत. यासंबंधीची जाहिरात एम्प्लॉयमेंट न्यूजमध्ये १४मे - २० मे २०११च्या अंकात प्रसिद्ध झाली आहे. अधिक माहिती www.bsf.nic.in या संकेतस्थळावर उपलब्ध आहे.

मुंबईतील आरोहण मुख्यालयात ४७ जागा
मुंबईतील आरोहण मुख्यालयात स्टेनो (२ जागा), कनिष्ठस्तर लिपिक (२२ जागा), टेली क्लार्क (२० जागा), कुक (१ जागा), स्टोअर किपर (१ जागा), पेंटर (१ जागा) ही पदे भरण्यात येणार आहेत. अर्ज करण्याची शेवटची तारीख ३० जून २०११ पर्यंत आहे. यासंबंधीची सविस्तर जाहिरात दै. नवभारतमध्ये दि. २१ मार्च २०११ रोजी प्रसिद्ध झाली आहे.
8:15 PM

Casual collection Gold Diamond Rings Images



Rings, Gili, Diamond Ring IRL787 , 4.219 , 49 , 0.355

Diamond Ring IRL787

 

Rings, Gili, Diamond Ring GRL459 , 4.035 , 23 , 0.205

Diamond Ring GRL459

Rings, Gili, Diamond Ring GRL361 , 2.415 , 12 , 0.151

Diamond Ring GRL361

Rings, Gili, Diamond Ring PRL054 , 2.505 , 27 , 0.16

Diamond Ring PRL054

Rings, Gili, Diamond Ring IRL788 , 2.923 , 35 , 0.292

Diamond Ring IRL788

Rings, Gili, Diamond Ring IRL812 , 2.886 , 17 , 0.101

Diamond Ring IRL812

Rings, Gili, Diamond Ring LRL217 , 2.024 , 26 , 0.149

Diamond Ring LRL217

Rings, Gili, Diamond Ring GRL406 , 2.221 , 3 , 0.045

Diamond Ring GRL406

 

 

 

 

 

 

Friday, June 24, 2011

8:37 PM

Know what you're getting into as a loan guarantor

What if you are approached by a close friend to become their loan guarantor? Would you say yes without a question or would you analyse the situation objectively before making your decision. In money matters objectivity is critical, so we would advise you to opt for the latter. Read on to know more about being a loan guarantor and why you should think twice!
Is being a loan guarantor such a big deal?

When you are a loan guarantor for an individual's loan, it means that you agree to be responsible for the repayment of another individual's debt in case of a default. It implies you are equally responsible for paying off the loan!


So, should I never be a loan guarantor?
When you provide guarantee for another individual's debt, it definitely comes with its risks!
A key deciding factor will be to gauge the borrower's financial capability to pay off the loan. You also need to evaluate objectively whether the borrower can honour such a commitment and not leave you to face the lone battle of paying up their dues in case of a default.
If you are confident on both these counts, then you can opt to become a guarantor, but not before you completely read and agree to the terms and conditions put forth by the bank in their agreement.
Am I being approached because the applicant has a bad credit history?
While the lack of a good credit record (past repayment track record of previous loans, credit card payments etc.) could be a possible reason for a bank to ask for a loan guarantor, this may not always be the case. It could be based on other reasons such as:
l The borrower has a transferable job,
l He has a job that involves frequent overseas travel
l Or the loan is applied at a place other than the applicant's permanent address etc.
If I choose to become a loan guarantor and the borrower is unable to repay, then what happens?
When you sign on the dotted line and agree to become a guarantor, you are legally bound to pay off the debts if the borrower defaults. If the borrower does default, then:
l The bank will approach you for clearing the debts
l Personal assets such as bank accounts, cash as well as property could be claimed (except for provident fund and agricultural land which cannot be attached under any court decree) and you could turn bankrupt
l Your credit standing will get affected and the chances of you getting a loan in the future would be slim.
Why should my chances of getting a loan in future be affected, when I did not take the loan?
It does not matter! Most banks and financial institutions look at the loan that you are a guarantor for, as a loan that you hold. They will therefore deduct that much amount from your loan eligibility.
If I agree to become a guarantor, what are the aspects I should look out for?
l The bank or lending institution is asking for a guarantor as a means to protect itself from a possible default and have the means to recover the money it is lending. Be aware that the bank can file a case against you and lay a claim to your assets for loan recovery.
l It all boils down to what the contract binding you to be the loan guarantor dictates. Hence, check whether the contract indicates the amount you are guaranteeing, make sure it does not exceed a specified limit that is agreed upon between you and the bank, else there might arise a situation where you will have to repay the entire loan in instances where the credit limit is increased on the initial loan borrowed.
l The terms and conditions should be clear and precise. Also, you need to make sure there are enough safety clauses in place that ensures you are protected to some extent against certain eventualities. For instance, the notice period that is available before the bank approaches you in case of a default should be clearly specified. Also, make sure you are not held liable if the original loan agreement is changed at a future point in time without you being aware of it.
8:36 PM

Even NRIs should file returns to avoid ambiguity

I am an NRI, who had the following income in India in AY 11-12 (FY 10-11):
1. Interest income in NRO and NRE bank accounts- TDS deducted.
2. Dividend income into NRO account: No tax liability.
3. Inherited family house sold in August 2010, where my share was around `9 lakh. The house was inherited in 2005 and the total sale consideration was `27 lakh. The proceeds have been reinvested in another residential house. Am I obligated to file a return of income in India? — R Singh
The law is that if your income in India (before claiming any deductions) is more than `160,000 (for FY 10-11), then you need to file your tax return. Here, by income we mean taxable income (excludes tax-free incomes like NRE interest, long-term capital gains on equity etc.) Your income, especially on account of the capital gains, could be over the above figure. Though you have invested in another property thereby perhaps making the tax liability nil, nonetheless, the gross income (before deduction) if above `160,000, tax return filing becomes mandatory. Some experts would argue that Sec. 54 (exemption on account of buying new property) is an exemption and not a deduction. Therefore, gross income is below the limit. The ITO may or may not agree with this. Therefore, we would suggest filing a return (with nil tax) in any case so as to avoid any ambiguity.
8:31 PM

Now, character certificates must for mumbai maids

Now, character certificates must for maids

Your hunt for a maid to do your household chores just got more difficult. According to a new police initiative, maids or domestic helps will now be required to get 'character certificates' before they are hired.
The special branch and local police stations will verify the antecedents of the domestic helps, especially to check whether they have previous criminal records. Officials added that those employers who do not follow the orders and hire domestic helps without police verification and character certificates will be booked as per the law.
"This will help bring down the crime rate," said deputy commissioner of police Pratap Dighavkar. The officials said that the initiative would be useful especially in cases in which the maids come from outside the city. It is usually difficult to trace such offenders if they run away after committing the crime.
"Several sectors — including aviation, hospitality, and shipping — demand character certificates from their employees before joining. In some cases, the same has to be done every year," said another police official.
The police have decided to take this initiative after a spate of thefts, housebreaking incidents and robberies took place in the last few months across the city. The investigation in most such cases revealed that the household helpers were behind the crime. However, the investigation also came to a standstill in many cases because of the non-availability of information about the accused domestic helps. In some cases, even if the information was available and submitted to the police station concerned, it turned out to be untrue.
Police sources said that in the name of police verification of servants, officials have merely been storing CVs and photographs of the domestic helps. The police verification has so far not required them to get character certificates from the police stations under whose jurisdictions the domestic helps resided.
8:22 PM

Sion, Mumbai area has excellent 24x7 connectivity

‘Sion has excellent 24x7 connectivity’
The area as a residential destination and highlights the facilities that it offers

Sion as a residential destination
If I have to rate Sion as a residential destination, out of 10 it would rate 7 points, considering all the aspects like living standards and commuting facilities available like auto-rickshaws, taxis, trains, buses, etc. Also, it is a centralised location that connects to all areas of Mumbai. There is hardly any power cut - in my 31 years of life I have hardly seen any power cut imposed. There is no water logging in rains either.

The connectivity that Sion offers
I have multiple options comprising Sion station for central line, Kings Circle station for harbor line and connecting to the western line as well along with GTB Nagar Station for harbor line. Auto rickshaws are available for the western and central suburbs.
Taxis and Cool Cabs are readily available for going to all areas of Mumbai city. Both taxis and auto rickshaws are available 24x7.
Many buses have their start point from here, which connects to all the areas of Mumbai, out of which few of the buses work 24 x 7.

The entertainment options available
We have the Cinemax multiplex at Sion Circle, a number of restaurants like Hanuman, Ramdev, Shabri, Peninsula, Nutan, eateries like Gurukripa, Subway, Dominoes, etc.

Educational institutions
There is the Little Angels High School, S.I.E.S College (Arts, Science & Commerce), at a distance of just 15 minutes from Sion there are Shishuvan School, Podar Collage, Ruia College.

Shopping options
Not many of the apparel brands have set up dedicated outlets here but we have the Loot Store where many brands are available, like Allen Solly, Van Heusen, there is the Cambridge Store… for other brands we either go to Dadar or Bandra as all these places can be reached within 15 to 20 minutes from Sion. There are big organized retail outlets like Reliance Fresh and Sahakari Bhandar at Kings Circle

Medical facilities
There are 8 to 10 medical shops, which are open 24 hours day and night. We have Sion Hospital, Kikabhai Hospital, Lion Tarachand Hospital, several Maternity and Nursing Homes also.

Residential options
There are plenty of options to choose from; new skyscrapers are coming up on a regular basis. Sion is also due for more redevelopment soon.

Office spaces
There is plenty of office space is available, a new glass façade structure has come up at Sion Circle and it is developing like a commercial office for small business as well as a residential hub.

Basic advantages

It is a much centralised location, from where it is easy to reach any part of Mumbai or outstation as we get all the transport we need on a 24 x 7 basis. Sion is a good place to reside and raise a family because of its peaceful environment, overall quality of life and above all, it's relaxing, easy paced and peaceful ambience.