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The Cosmos is in constant state of motion. It makes everything in the universe vibrate at its unique frequencies. When things of varying vibrations come within proximity, they gradually start to vibrate together at the same frequency. This is not metaphysics, it is physics.
Owing to the unique molecular structure of crystals, they exude healing synchronous vibrations that enhance physical, psychological, and spiritual healing. Although, science is yet to find the profound impact of crystals on our emotional well-being, alternative medicine, and interior sciences have been using them for thousands of years.
We would discuss here as to how to make the most of crystals, to create spaces that reverberate with good vibes (quite literally!).
Banish negativity from your door with Black Tourmaline.
Black tourmaline is quite popular for its purifying and protective metaphysical properties. If your mind is often clouded with negative, anxiety-inducing thoughts or your kids are plagued with nightmares, you know it is time to welcome the grounding energy of black tourmaline.
Best place to keep? Place a black tourmaline bunch at the entrance of your home. Hang it outside the door. Make sure to clean the door now and then with pure water and salt.
Invoke the power of love with Rose Quartz
Whether you are single, seeking self-love, want to reignite the love between you and your partner, or just maintain a happy relationship with your loved ones, rose quartz is worth a shot. The beautiful pink crystal which looks absolutely exquisite is believed to open the heart chakra releasing the power to love deeply and unconditionally.
Best place to keep? Always keep your rose quartz in pairs. It is best kept in the southwest direction of your bedroom to attract positive energy and healing. You can also place the crystal on each leg of your bed frame.
Create a bubble of relaxation with Amethyst
The royal tones of purple in an Amethyst Geode can brighten up the look of any space with its presence. Amethyst is connected to your crown chakra and is believed to invigorate your consciousness. Its high spiritual vibrations clarify the mind of negativity and promote relaxation. The third eye which is the repository of divine wisdom can be opened with amethyst.
Best place to keep? Place an eye-catching amethyst geode on your coffee table in the living room to create a calming aura. You can also place it with a pair of rose quartz crystals to balance the yin and yang energy of your home.
Citrine for the lazy crystal lovers
Citrine is one of the very few crystals that do not absorb negative energy, thus it does not require regular cleaning. Citrine, with its vivid play of orange, brown, and yellow tones, is believed to represent the earth element in Feng shui. The gorgeous crystal activates the sacral chakra and helps with manifestation. It attracts wealth and abundance into your home while releasing creative energy.
Best place to keep? Display the Merchant’s stone in the southeast direction of your home. You can also place it over cash boxes or boxes holding valuable to unleash the power of abundance.
We at Colonelz, is well versed with the impacts of crystals and their suitable placement to enhance your space, both in terms of vibrations and aesthetics. Want to give your home a positive makeover? We are just a call away!
www.colonelz.com
One may wish it away as much, but Covid is there to stay for some time. Might as well realign, readjust and make peace with this menace. The options and advise offered may sound mundane and simplistic; actually we want it to be so. Lets see some ideas that can be useful, without major investment of time money and effort.
The first step is to realign your spaces. The safest way to avoid Covid is to stay home and avoid contact with outsiders. Some of these are
The next new concept which has gained favours with most, is “WORK FROM HOME’’. This coupled with work at home, could be quite strenuous if you do not have the right layout. To cater to office work, the best option is to rearrange an area with in the house as your office, which could house your working table, chairs, PC/ Laptop and its peripherals, as also stationery etc. In case you did not have such a table- chair, it may be ergonomically important for you to procure one, as you may be spending long hours on it. An unsuitable seating may cause long term harm. You could even use the Dining table with due consideration that it should be viable to move the “office” during meal times.
Monotony & Boredom. Staying indoors often causes boredom and loss of interest. Some start feeling as if they have been home quarantined / arrested. One of the easiest way of bringing life to the existing set up is to change the existing layout by rearranging the furniture of different Spaces and intermingling them with each other. For example, the relocate the Bed Side tables to the Drawing room and vice-e-verse. Highlight one area of the room. It could be the area near the TV or the large Family painting or anything. In the kitchen you could make the window as the Focus.
Blending different finishes also give a feel of change. It is not necessary that furniture matches with other elements. In today’s times these are part of Art work. Try and add contrast and texture to a room. Metal, with wood, or linen or anything which your wild imagination can think of, could be mixed and matched.
Most house have a number of paintings and framed photographs, souvenirs, gifts and more. Take a look at their locations in the house and then go about relocating them in different places. There will be a sea change in the look and feel of each room. Compliment them with the various lamps you may be having in the house. The two will affect a great deal of beautification.
Color and Vibrance. The easiest way to add colour and change is the exploitation of your cushions, pillows and their brethren of different shapes & sizes. Add these of varying colours, designs, material, shapes and sizes and you would find your home to be differently coloured. Add with them the Rugs you own and the two will gel and glow.
Use Covid as a God sent opportunity to get back your house in shape. Spend some time removing the decade old unused clothes and toys and so on from your house. As per Vastu too, de-clutering and cleanliness is vital for good mental and physical health. Ensure there is enough circulation space and you do not keep banging into something or the other while moving in your house.
Lets make the best of the prevailing situation and enjoy the time at home. Minimal expenses in the effort would go a long way in seeing through 2020.
www.colonelz.com
Tough times need innovative ideas along with informed and well thought of decisions. The Pandemic apart from causing massive loss of lives has also put many households in financially difficult state- unsustainable for some. Indian job loss figure is close to 13-14 crore. For those who have lost their jobs or earnings, it is important to take stock and realign their strategy.
It is normally advisable to take a Home loan for buying properties for various reasons. As a resultant, most buyers use this option as can be seen from the data; about Rs 13 lakh crore of housing loans was outstanding as on January 31, 2020. Of this, majority are salaried people. Sadly, many have lost their jobs since the scourge of Covid commenced. Its extremely important to save one’s Life and Livelihood -Jaan & Jahan. So, what are the Options? In such trying times, it is not the best option to liquidate the loaned properties, as it would generally result in 10-12% loss on your investments. Hence, this should be the last option. So what are the other options available?
Like all Good times move on, so do bad times. It is extremely important to maintain one’s sanity and take decisions as suitable for you. For a particular individual, there may be some other ways also, so try and analyse your fund state and take a decision you feel is good for you.
www.colonelz.com
Wish you were Beer. Bars are the ultimate evening destination. Ambience of the Bar is a “Make or Break” for success of a Bar. Want it Vibrant, Smoggy, Drooling, Spanky or what? As with most commercial space, some of the 7 Ps of Marketing matter here too. Depending on the Place, ie, whether it is a High end Hotel or a Country side Bar, it needs to be designed. For that clientele, it should exude luxury, style, and comfort and be inviting, spacious, and serviceable, with desired seating space etc.
If you are also planning to revamp your Bar, do let us know, we will give you an experience unparalleled. Lets do it together.
www.colonelz.com
We discussed and analysed the most common / popular flooring options in Part I. It may not be necessary that the decision of the majority is the right one. So why not explore other options and see what suits our needs better. Most of these are neither run of the mill option, nor advised as a general option for all purposes. These are better used at specific place and space.
There are still more options, about which your designer may be able to guide you. We endeavored to cover the relevant and reasonable amount of information so that we are able to take Informed Decision while deciding on the the Floor which will Floor you for times to come.
www.colonelz.com
Making or renovating a house or a commercial space is a long drawn process, involving somewhat infinitude decisions. One of the multitudes of questions that perplex most to be homeowners / commercial space buyers, happens to be about the kind of flooring they need to settle for. The market is flooded with an overwhelming variety of options, which makes it even more difficult to choose the right flooring option for your space. In this Part, we shall be discussing the four most sought after flooring materials and their pros and cons so you can take a well-informed decision.
Points to ponder:
An analysis:
Why & why not:
The climatic and weather conditions, are instrumental in deciding our flooring options to a great deal. In Scandinavian or Siberian region any floor which gives a psychological warm feeling may be more suitable; wooden / carpet flooring could be a preferred option. In Sub Saharan deserts or Middle East, marble or stone may be preferred. There are many other options, which your designer may guide you to use. We shall be covering other options in Part II.
There are other not that popular options too, which your designer my guide you to use. So, if you were wondering which is better tiles or marble flooring or wooden for your residential building services, then make a decision based on these factors above and your daily lifestyle.
www.colonelz.com
Making or renovating a house or a commercial space is a long drawn process, involving somewhat infinitude decisions. One of the multitudes of questions that perplex most to be homeowners / commercial space buyers, happens to be about the kind of flooring they need to settle for. The market is flooded with an overwhelming variety of options, which makes it even more difficult to choose the right flooring option for your space. So, here is a breakdown of the popular options, with details of four most sought after flooring materials and their pros and cons so you can take a well-informed decision.
Points to ponder:
An analysis:
Why & why not:
There are other not that popular options too, which your designer my guide you to use. So, if you were wondering which is better tiles or marble flooring or wooden for your residential building services, then make a decision based on these factors above and your daily lifestyle.
www.colonelz.com
In the good old days, one did not have the luxuries available due to modernisation, ie, automation and availability of numerous devices to make our lives more comfortable and enjoyable, specially after a day’s hard work. It was so easy to decide the plan for your interiors for bedroom. With the availability of mind boggling options, many at exorbitant costs, it makes wise sense to take the help of specialists to design your bedroom, ensuring every penny is well utilised. Planning to do it all on your own reminds me of the old adage -’Penny wise pound foolish’.
Let us consider what all ingredients are there in a bedroom of today, which are required to be planned for. The first and foremost is the Bed & the side table, their size, location & what fits to the size of the bedroom. Thereafter come numerous items listed one by one.
Bedside lights, Electrical & power points, for routine and heavy appliances; No and amount of lights, Cove lights, Night lights, their luminosity, location and more.
All lights and electrical equipment today can be automated. Does it suit you- the idea & the cost?
How to handle the curtain rods, ie with false ceiling, or rods, type of drapes suitable for you, blinds, sheers etc.
Handling of walls by texture paint, wall moulding, panelling, wall papers etc.
Furniture like chaise, lounge chair with foot stool etc.
TV Unit, whether wall mount, free standing like a console table or a mix or something with a storage.
AC & Room heater location, their power supply arrangements; what if for some reason water drips from the AC- how to handle it?
Do you want a Nook with a mini bar or a coffee maker? Space for your laptop/ Ipad and associated seating?
Handling the Windows, doors & head side of the bed.
Wardrobe- gents & ladies as also overhead storage, shoe storage etc
Painting / decoratives /furnishings.
As is evident from the above, if not Herculean, it surely is a Good designer’s task to handle all aspects and reach at an optimal solution;- economically, aesthetically, functionally & in terms of maintenance. Some consider Designing cost as a drain. However, you actually save on costs by using the services of a Good Interior Designer in interiors for bedroom. As experts, apart from ensuring a beautiful end state of the space, Designers economically optimise the material usage and guide you, along with suitable advise on reducing costs. So, if you want to get best value for money and a dream space, go ahead and get your bedroom designed to your taste & as per your cost.
Drawing room are generally the Show window of a house. We want it to be aesthetically designed, while giving a comfortable homely feel. A Drawing room needs numerous aspects to be cohesively considered and located in the right place and size so as to give it an elegant look. There are numerous elements which need to be cohesively aestheticised to bring out your dream.
Going through the above text we can visualise that it would be a very sound decision to utilize the Services of Specialists to do up our Drawing room. Lets join hands to fructify your Dream Drawing room.
A huge diaspora of Indians settled abroad, for various reasons ranging from house for parents, to investment option; invest in Residential properties in India. The procedures, taxation etc for a NRI are different from those applicable to a Resident Indian.
Compared to most foreign markets, Indian real estate offers better investment opportunity for Non Resident Indians (NRIs). NRIs who do not have enough funds, could buy properties in India, by taking home loans. Obviously, the home loan rules are different for NRIs and resident Indians. So it is better to know the rules before delving into it. Hence, it is important to know the crucial differences. Normally, the rates are a bit higher and the eligibility a bit lower, when compared to that for a Resident Indian. It is always advisable to get the loan approval first and then decide on the property you want to buy.
The IT Act & FEMA has laid down criteria to be categorized as a NRIs. NRI is legally defined under the Income Tax Act, 1961 and the Foreign Exchange Management Act, 1999 (FEMA) for applicability of respective laws. NRI is defined under FEMA as a person resident outside India who is either a citizen of India or is a Person of Indian Origin (PIO). The income generated in India is taxable in India & those earned abroad, are not taxed in India.
Qualifying Criteria for Home Loan.Coming to Home loans- a NRI can apply for it, provided he meets the eligibility criteria. Age should be above 18 years; banks decide the upper limit. 60 yrs is the upper limit in most cases. The loan tenure could be even 5 years, to max up to 30 years. Normally, one should have had a work experience of at least 2 years abroad. The loan amount depends on the repayment capabilities. Most of these vary from Bank to Bank, including the Interest rates and the processing fees.
Documentation. Some of the documents which you need to furnish are, Full passport along with work visa copy; Employer ID Card; Passport photos; Work Permit; Employment Contract; Residence proof abroad; Salary slips; PAN Card; loan application form duly filled and so on. Again, it depends on the Bank.
Repayment of Loan. Options for repayment could be transfer money through bank; have an ECS Mandate; issue PD(Post Dated) cheques etc. Ideally, the cheque / transfer should be from the Loanee’s account.
Power of Attorney (PoA). For document signature and processing etc, the NRI can execute a PoA, which is generally valid for 30 days. It ceases in case of the Principal’s demise. The POA needs to be duly stamped as per applicable stamp duty in India and duly notarized within 3 months of NRIs arrival in India.
Finances & Applicability of Taxes. As the NRI earns in Forex, there will be variation in his earnings in Rupee terms, which should be kept in mind for repaying loan. His earnings abroad would continue t be taxed as per that country’s law and his investment in property, as also loan repayment would be subject to Indian Taxation laws. NRIs are eligible to tax deduction on interest paid and loan repayment on home loan if he is NRI as per the income tax definition and files income tax returns in India. Eligibility of deduction etc under various sections hold good. So owning a property needs considering all the above, to come to the real cost of ownership for the property.
Home Loan from Foreign Banks. Being a NRI in countries which have banks in India, could be used to advantage. Most Western countries have much lower Interest rates for loans. It could therefore be extremely valuable to exploit this option too.
Being a NRI gives you the added advantage of choosing the option of buying a property in India, or the country of residence. In case one has friends and relatives who could look after your property in India, investing in Real Estate is always a good option in India. Suffice to say that the Indian population density is high and everyone wishes to own a house. Hence, for quite some time to come, investment in property in India will be a viable fruitful option. Why miss it if you are a NRI?
Predicting resolution from Corona virus and effects of it on any sector, is as hazardous a guess as any. Many experts of Real Estate Sector are advocating that the rates are likely to go up as Loans would become cheaper etc. There is another set of analyst who expect that the rates may inch upwards.
If we analyse it, many aspects emerge. Lets deal with them one by one.
To sum up, even though the government has extended the benefits offered under Section 80EEA till March 2021 and may be further extended to support the Real Estate Sector, there may not be any quantum shift in the current scenario. There would be some fluctuations, but any drastic chane may not be coming.