Day: July 20, 2017

Confused Between Renting & Buying? Here’s the Right Option

Rent or buy? – The question has troubled most of us at some point of our lives. It’s a tough question to answer since both renting and buying have their own advantages and disadvantages. Moreover, the choice between renting and buying depends on various variables such as your income and expenses, family profile, income stability and growth, financial outlook, future needs and plans, etc. Which city you are in also impacts the choice for renting or buying. Here team of did a survey and on the basis of collected facts sharing some key things to consider prior to making the decision for renting or buying.

Down payment vs. security deposit: When buying a home, you need to pay 10 to 20 percent of the property cost as down payment, while the remaining amount will be covered by your home loan. For example, if the property cost of a 2BHK apartment is 50 lakh, you will have to arrange around 10 lakh for down payment. You need to have adequate funds to arrange this large amount. Also, it would not be wise to empty out your entire bank balance for the down payment. You need to have at least 5 to 10 lakh left in your bank account after paying the down payment. On the other hand, if you choose to rent, you will have to pay anywhere between 1 to 2 lakh as security deposit for a 2BHK flat. However, the deposit amount will essentially be unproductive since you will not be getting any interest on it.


Income stability & growth: How secure do you think your job or profession is? If your income is stable and growth opportunities exist, you could consider buying over renting. If not, then it would be better to go for renting. When you buy a home and take a home loan, you have to pay Home Loan EMI every month. This is not a problem when your income is stable, but if anything goes wrong, things can get difficult. On the other hand, renting would not create such problems since you can always shift to a cheaper accommodation if you are facing financial issues.


Family profile: How many members are currently there in the family? Are you planning to start a family? More members would mean more expenses and it could affect your monthly budget. Choose to buy a home when you are sure that you will not be overburdened by new additions in the family. You need to be able to maintain your quality of life rather than just surviving through the Home Loan EMIs. A home loan is usually for 15 to 20 years, so it would not be a good idea to keep struggling for such long. Considering all other things equal, renting turns out to be cheaper in the short to medium term.


Future possibilities: Does your job or business require you to be on the move constantly? If so, then you could choose renting over buying. If not, then you can choose buying over renting, since it will be profitable in the long run. The rent you pay is basically an expense, but when you buy a home, it is an investment since the value of the property is consistently increasing. This would be applicable when you have finalized to settle down in a particular city.


New EPFO rules favor buying: EPFO (Employees’ Provident Fund Organization) subscribers can now withdraw up to 90% of their savings in EPF accounts to fund the purchase or construction of their house/flat or for buying land. Also, monthly PF (Provident Fund) contributions can be used for repayment of home loans. These new EPFO rules have tilted the balance in favor of buying a home. If you are an EPFO subscriber and if you have a substantial amount in your EPF account, you could consider buying over renting.


Continual reduction in home loan interest rates is also encouraging people to buy rather than rent. Home Loan interest rates used to hover around 10 to 11 percent in 2012-2013, but now they have come down substantially to around 8.5% in 2017. However, the choice between renting and buying will still depend on various variables described above and your specific needs. You need to keep these factors in mind prior to finalizing your decision for renting or buying.

Celebrate Monsoon with Gond Painting on Umbrella Workshop by ‘Baaya Design’

This monsoon ‘Baaya Design’ invites you to learn the latest interpretation of Gond and create your own painting in the ‘Gond Painting on Umbrella Workshop’. Gond is a decorative art form of painting from folk and tribal art, practiced by the Gondi people of Madhya Pradesh. Capture the magic of rains with splash of colors on your umbrella with vibrant depictions of the traditional art form. The workshop will entail waterproof Gond art color play, Gond painting references, Sprinklers, Rollers, brushes, a full size white umbrella with cover and expert guidance.

Date: 22nd July, 2017

Time: 1:30 pm to 5:00 pm

Price: 1200/- inclusive of all material

For registrations call: 022 24979463 Visit:

Baaya Design, Pratamesh Tower, Raghuvanshi Mills, Lower Parel, Mumbai – 400013

Happy Days, And How To Find Them Again

You are probably aware of the epidemic that is sweeping the world, that of depression and anxiety. You may know someone that struggles with one or both of these problems, or you may have to deal with them on a day today basis yourself? If so then you might what to check out the guide below that can suggest where you may be going wrong and what to do about it?

Are you trying to hard?

Firstly, a lot of anxiety and related depression relates from trying too hard. “But wait,” you say, “Good things come to those who work hard and go above and beyond the call of duty, right?” Well, is that really the case, even in your own experience?

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I’m not recommending being permanent lazy, but it’s good to be balanced in life, and if you are always trying so hard to control outer conditions then not only will this feed into your sense of anxiety, but also make you tired all the time.

Sometimes this great need to work so hard at being approved of by others suggest that there is an issue with ourselves that we need to turn inwards to address. So back off a little and see if that improve things for you.

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Are your expectations off?

Another thing that might be contributing to your anxiety or depression is your expectations. The way we want things to be isn’t often the way that they truly are. This can apply to our relationships, our work, our finances, pretty much everything really.

The problem is the higher your expectations are, the larger space you leave for disappointment when the reality of the world inevitability doesn’t match up to what you were expecting. Of course, that doesn’t mean you shouldn’t expect good things for yourself or to be treated with respect and kindness. Instead, it points to the value of being more flexible with your expectations and achieving the clarity to live with things are they are, not as they might be.

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Is there an underlying condition?

Anxiety and depression are medical conditions, and if you have been expanding them for longer than two weeks, you will need to go and see your medical professional for some advice on treatment.

Also, it can really help to make an appointment with a qualified psychologist to get your condition investigated further. This is because there is more than one type of anxiety disorder and more than one type of depression, and the treatments are not all the same for each. So it can really pay off in terms of your recovery to know what you’re dealing with.

Are you kind to yourself?


Lastly, a contributing factor to anxiety and depressive disorders can be how we treat ourselves. Stop and listen to the thoughts parading around you mind for a second. Would you speak to anyone else that way? Probably not, and if you did they would likely leave. So why do we do it to ourselves?  

Well, it’s mostly because we aren’t taught how to differentiate between thoughts and the meaning of those thoughts. This is something that both meditation and CBT can help you do. Which makes them something worth exploring in your quest for recovery.








4 Unexpected Health Issues That Can Arise When Starting A New Fitness Plan


Starting a new fitness plan is one of the more exciting times of the year. Taking control over the direction your life is going is beneficial no matter who you are, and can help you feel on top of your destiny. A new fitness plan can be the bedrock of all of this, because a fitness regime is much more than a fitness regime.

Working to a schedule of improving your body sets you on a schedule, a routine, and allows you to keep disciplined within those parameters. A scary job interview feels like nothing when you have lifted weights in the morning, because you have already made the effort to combat adversity that day. Who could stop you from there? It’s important to understand just how powerful this can be, because realizing it will allow you to stay focused in the times you’d much rather quit.

Improving your fitness level is one of the most beneficial gifts you can give to yourself. Sometimes though, it’s not a cover-all solution. Sometimes, new health issues can arise due to focussing obsessively on working out and changing your lifestyle. Progressing in your health and fitness is always worth it, but it pays to be aware of the following unexpected issues that can arise – and how to deal with them.

Swimmer’s Ear

Swimmer’s ear is a nasty condition that is usually brought on by repeated wet/warm conditions in your ear. If you have bacteria entering your ear through some form, such as dirty showering facilities, dropping your headphones on the floor and then plugging them into your ear, or simply not tying your sweaty and greasy hair back during a hard cardio session, you might become a victim of swimmer’s ear.

Swimmer’s ear is similar to an ear infection, and should be checked out by your doctor immediately. The reason that achieved its moniker is that swimmers are the most likely to get it, thanks to the aquatic nature of their sport. It can be relatively painful and completely shut off your ability to hear in that ear as it swells. This can throw you off for a couple days. Not only will the ear itch from the inside, but you won’t be able to touch it without intense physical pain.

To counteract this, purchase (with your doctor’s recommendation,) some over-the-counter ear spray that helps neutralize the PH in your ear, and helps it stay conducive to fighting the bacteria there. Luckily, over the course of a few weeks, the medicine should work as intended and complete reverse the malady. You’ll surely be much more careful about your exercise hygiene in future.

Torn Callus

Weightlifters have enough to deal with. In a given session they have to adhere to many safety standards. Lifting the barbell over the mid foot, making sure that balance is achieved and that the weight is just heavy enough to make strength process, but just light enough to be safely handled are a few examples of this. Not only that, but the most insidious enemy of the weight room is torn calluses.

This isn’t to decry the importance of calluses in the first place. Calluses are natural skin developments that occur to counteract a form of stress. Lifting a heavy barbell is most definitely a form of stress, so calluses that develop are necessary for lifting those loads safely, and so the skin doesn’t get damaged. Sometimes though, this can work counter to what is intended.

A lifter who places the barbell in their hand in an incorrect place, which is common for novice and intermediate lifters alike, will eventually have the barbell scrape down their hand at heavy enough pull loads such as chin-ups or deadlifts. This creates a jamming ‘wedge’ in the hands as the bar travels. This can lead to the bar tearing the skin of the hand open. This is a nasty to witness, horrible to experience pain that will take you out of any exercise or hand usage for however long it takes to heal. Not only will this be absolutely terrible to experience, but it will completely make you lose all of your progress made in that last month.

To prevent this, make sure that you place the bar on the callus’ that have developed just on the line under your fingers. Aim to grip the bar from there, and it will prevent the barbell from traveling down your hand when unintended because it will already be in the ‘end position.’ If you grip the bar in the middle of your palm, it will drag down to the end position and create the problem if you’re unlucky.

To further guard against this, make sure you are using chalk during your heavy lifts. This will help your grip immensely during those massive lifts.

Foot Diseases

Runners, rowers and swimmers alike are all likely to gain a foot infection, a bunion or some form of painful foot malady over their time traversing their exercise duty in sweaty footwear, or walking on sweaty, dirty flooring. This is much more common than you might original assume. How often do you think about your foot health? How often do you maintain your feet past washing them in the shower and trimming the nails on occasion?

To help counteract these issues, make sure that you see the best foot doctors in your area, and also wear breathable, clean footwear. Remember, while it’s cost effective to keep wearing the same shoes for your exercise for years on end, you will be sweating into these often. Replace often, or at the very least wash your footwear every fortnight to a month. Look after your feet, and they will look after you.


Overtraining is a very real phenomenon that occurs when someone ignores the fact they are otherwise untrained, and fuelled by a desire to ‘be the best’ as many motivational and disciplinary popular slogans will tell them, they’ll throw themselves into a training regime vastly more difficult than that they can currently handle. This will eventually lead to overtraining, a very real phenomenon when the body physically cannot recover in the time between workouts. This will lead to exhaustion and maybe even depression. This exhaustion is different to general exhaustion. This will be a real, deep and pervasive feeling of lethargy that is difficult to combat unless you get plenty of rest.

Novices are usually better at recovering than those who are well trained, but ONLY if the programming is correct. If you’re starting on a running program, consider starting Couch 2 5K – the popular running program designed to keep a novice able to complete each session, even if they have started as a couch potato. For weightlifting, consider a beginners program like Starting Strength or Stronglifts 5×5. These programs have been specifically designed for exercise utility and recovery time to squeeze the best ‘noob gains’ from a beginner, and this can result in some amazing progress that completely helps you avoid overtraining.

Over time, as your body adapts to stress, you can consider adding more volume or variety of exercises to your workouts. For example, a runner, once he has achieved 5k, might consider skipping rope or rowing before and after his workout. A weightlifter might consider adding barbell curls to encourage the coveted ‘strong arms.’ Find what works for you, and continually update your program as your stress adaption increases. You’ll find that you’ll have built the best foundations for the newly added exercises if you do.

Keeping on top of a positive health training regime is the most important thing you can do for your health, happiness, positivity and general life enjoyment. However, if you are affected with some of the previous maladies, enact the solutions suggested, and you’ll be well on your way to becoming that super-man or woman you originally intended.




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