Sunday, October 23, 2011

The office door that splits us

"There's a fine gentleman I know at work, he's soft spoken, well mannered & very courteous. He acknowledges people around him, never cuts them short & seems to give everyone their space. I saw him at the supermarket the other day, and though he looked the same, he seemed quite different. He was pushing his shopping cart through a crowd of people, was rude & I saw him shouting at the Billing clerk. I think he might have a Split | Personality!"

Sounds familiar? Ever observed someone you know at work, outside of the work environment, and felt they're different, more like the rest of the people. I have, many a times.

In India, there are two cultures at play in our daily lives.

One is the real culture that's out there on the street. The culture that's come about living with inadequacies for the population. Not enough space on the road. Not enough seats in School. Not enough space on the Bus. In a culture like that, it's Survival of the Fittest, with no regard to fellow men & women, They're simply Competition. In a culture like that, a human is simply Demand, and there's enough of it. In a country of over 1 billion, there's definitely no scarcity of people, and what's not scarce is often taken for granted.

The other culture is what the companies are importing from foreign shores, and individuals are adopting as they travel more & more. In that culture, people are well behaved, courteous, polite, acknowledge people, hold the door for them. Acts that exhibit selfishness are looked down upon. A kind of culture that comes out from abundance. There's enough for everyone, so there's no real reason to not treat fellows humans well.

Not to say that there's anything Right & Wrong about these, both are appropriate for their individual situations & settings. In the first culture, Push & Shove doesn't mean you bear ill intent for those on the receiving end, they are merely casualties of your selfishness, which is the popular way of life. On the other end, in the other culture, if someone holds open a door for me, it doesn't mean it's a heartfelt gesture. The gestures itself have become a norm in the society and a lot of times, are just followed for the sake of conformance.

The interesting thing is how living in india, we casually switch between these two cultures as we step in and out of our offices (and some other controlled environments). I might cut into someone's lane, honking, on the road, but hold the door for the same person as he walks into the office*. This creates a weird duality of behavior, where it becomes difficult to gauge intent from action.

* But not do that for an access controlled door to avoid unauthorized tailgating :P

Let's look at four (theoretical) behavior sets someone could exhibit outside & inside controlled environments.


#At WorkOutsideAnalysis
D-DDiscourteousDiscourteousProbably someone who doesn't believe in courtesy, or maybe in acts of courtesy that are done without meaning them. Someone very practical. Might get strange looks at work. 
C-DCourteousDiscourteousWhile in Rome, Do the romans ... Err, I mean Do as the romans do. Most commonly observed behavior amongst the 4 buckets. On the side of practicality & conformance. 
C-CCourteousCourteousThe idealist. A lot of people moving to India from West fall in this category. Gets strange looks outside work, and often people think he/she is going to pull some prank & might search for a hidden camera. Or, people might think it's someone gone Bonkers, or visiting from SatYug. Once the initial apprehension fades, the courtesy shown by these individuals is misused, abused & taken advantage of, in full measure. People in this category often decide to convert to C-D. Some get really pissed off and convert to D-D.
D-CDiscourteousCourteousIs a strange combination. Someone who loves fellow humans, but hates his Job & cowerkers. Individuals sometimes move into this bucket just before they are about to quit, or while serving their Notice period. Defiance!

Ok, so which bucket do I fall in? I'm not sharing that, you'll have to stalk me to figure that out.

This post just ends here. If you're looking for a logical conclusion or recommendation, I'm Sorry I have None. This is just about some things I've observed, and tried to analyze. No right & wrong, black & white here. Just shades of Grey that we can reflect on individually, so we understand ourselves better.

Friday, September 23, 2011

Why Positive Visualization doesn't work for me

My friend Vinay Vyasarao, on a hammock somewhere near Gurgaon
The Voice (thereafter referred to as V): Relaaaaaaaxxx!!! Imagine yourself in a hammock, in a forest, bird sounds, you're relaxed, reading a book. Let it be vivid, detailed, feel it, live it. Your favorite song is playing ...
Me (thereafter referred to as ... Me): Hey hey, wait a Min! What's it playing on? Do you have a Sound system?

V: It's playing on your ipod, you're listening through the headphones.
Me: It gets sweaty. Can't we get a portable CD player or something? Would be interesting to hear music in a Jungle ambience.
V: Ok, we have music playing on a portable CD player.
Me: Does it have batteries, or do we have a power extension cable running through the forest?
V: Battery powered, Don't worry, Relax! Let's continue, your favorite song is playing...
Me: Hold on, I hope this CD player of your has a remote, getting off this hammock is not easy, you know.
V: Yes, it does, Don't worry!
Me: Does it have a USB slot?
V: What does THAT have to do with anything?
Me: Well, if it doesn't, I'll have to get off this hammock when the CD ends. How much can you cram into that Audio CD? 70-80mins tops?
V: Don't worry, we'll have someone change the CD when you ask
Me: Hey, I thought I was alone here, is there someone else too?
V: Yes, imagine there's someone with you.
Me: Hmmm, can I imagine anyone?
V: Yeah!
Me: Anyone!!??? You're sure?
V: Yes.
Me: Can it be a different person everytime I do this?
V: This is not about fantasizing, it's about Positive visualization, Dammit!!!
Me: Well, Take it easy Dude, isn't this supposed to be my Visualization? So I can visualize anything that motivates or relaxes me, right?
V: Ok, don't worry, Go on, Imagine anyone you want?
Me: Ok, Done (hmmm...Nice!!!)!
V: Just curious, who did you imagine?
Me: It's my vivid visual dude, and it has privacy features, so don't even try to peep!
V: Ok, Let's continue, your favorite song is playing...
Me: Right!
V: ... and you're totally at ease, Relaxed, no worries, none at all, totally in the present, no desires, none at all...
Me: Hey hey, hold on!!! Talking of desires, how about a chilled beer?
V: What?
Me: I'll feel more fulfilled if there's some beer too
V: Ok, you got it!
Me: Which one?
V: Which one do you want??
Me: Can you get me a chilled Kingfisher Ultra?
V: Sure, you got that!
Me: Where do I place the bottle between sips?
V: !!???
Me: I mean the chilled beer bottle is sweating condensed water and making everything wet, the book too, this is a library book BTW, and it's overdue. Now, it'll be overdue & Wet!
V: Ok, we'll get a small bench next to the hammock, you can place the bottle on it
Me: Cool, Thanks! Is there a chance I could get some Chips & fries with that?
V: Hmmm...Sure!
Me: Wait a minute, you said it's the jungle, How'll you get me fries?
V: Ok, IMAGINE this is a jungle area next to a resort, and that Resort has a kitchen
Me: Damn, why didn't you tell me first, we could order some chicken from the kitchen!
V: Ok, sure!
Me: And in that case, it might be better to get an amplifier, this portable CDP just doesn't cut it for this Jungle feel.
V: !!???
Me: We could place the speakers such that we have a wide sound stage. We'll stick to 2 speakers though.
V: Yeah.
Me: Let's play a CD and see how it sounds
V: Let's play Dire Straits, Yeah let's Rock it!
Me: Relax, take it easy ;)
V: :)?!
Me: Looks like the soundstage is not right, we need to toe in these speakers. Hey Voice & Deeps, could you give me a hand?
V: Deeps? Who's that?
Me: Deeps, Deepika, the person I imagined, she's a Bollywood actress, let's just say her degree of temperature is much higher than room temperature, and can scald!
V: Oooooh ... your visualization is turning out to be more interesting than I expected, I'm feeling it, living it...
Me: Hey hey, hold on, I got an Interrupt, it's from the Real world!!!
V: From who? What does it say?
Me: It's from my Boss, and it says "INTERRUPT_DREAM: Friday is a weekday, Why are you staring into space, STOP day dreaming during Meetings!!!"

Sunday, August 14, 2011

I have a tab in my browser

Tabs on browsers seem to be the norm these days. Looks to be a very useful feature, till you look closely. I think tabs have caused a major change in how we do things, and not all these changes are positive.

Very very long ago, there were browsers that allowed you to view just a single page. If you wanted to view a different page, you navigated away from the current page. Things had a logical start and end, you finished what you were doing and then moved on to something else. There was a lot of patience involved due to Dial-up modem speeds too.

Then, not so long ago, there came a feature for launching multiple browser windows to do concurrent things. That allowed you to do more, but subconsciously, you were wary of launching too many windows. Websites that launched popup windows were seen with contempt. It cluttered your desktop, slowed things down & you were still constrained by the bandwidth available. You could start a couple of things together and get them done, but the number of things/windows were still manageable to keep track of.

Then came Tabs. Like one of the English meaning of the word Tab (a running account for items or services rendered), it allows you to open multiple working windows within a window and continue a "flow of actions" on each. With more bandwidth and less desktop clutter, it provided an easy way of doing concurrent things. You could even have multiple windows and multiple tabs on each. Browsers got the capability to "remember" the windows & tabs if was terminated abnormally, and Operating Systems already had a Standby feature where you didn't have to close application and shutdown the computer. With this convenience, it became effortless to start new things, so one didn't have to give it much thought. But the time taken to complete those series of steps became longer. A lot of times, tabs remained open for days & weeks on end, waiting for a reading or action ... some sort of logical end. The user, on the other hand, got a sense of progress, when they opened a tab for something, thinking they will get to it. With no limit of the number of tabs and windows, the user is limited by the multi-tasking capability of his/her mind. Realistically, tabs cause a 100 open things, with no pressure to get them to logical closure. It's the perfect tool to fuel procrastination. Unless Tabs are used with self-discipline, I think they hamper productivity, not aid it. Just some Food for Thought!

Would love to hear other people's thoughts on Tabs, please do comment if you're reading this. How's your experience been? Do you often have 100 open tabs? How do you deal with it?

[Tip:] I find it useful to go over my open Windows & Tabs at the end of the week, if not daily (ideal). The act of clearing your tabs, closing the browser, and shutting down the machine helps close the loop on things, and keep a check on the low-effort tasks that you might be carrying for no reason.

Tuesday, August 09, 2011

Buying an apartment in Bangalore

Have been thinking of writing this up for some time now, as a logical companion to my "Renting a house in Bangalore" post. These are some questions I had, when I decided to explore buying an apartment. I hope these would be useful for someone in a similar situation. An entire book can be written on this topic, I don't intend to be that comprehensive. So, I'll just model this post as an FAQ, to keep it crisp.

Disclaimer (upfront): This is based on my experience, and at the end of the day, it's just my opinion. I'm not a lawyer & I don't claim it's 100% legally accurate, so please do your due diligence. It's not going to cover all possible cases, because I don't have experience of all possible cases. Caveat Emptor!

Q. What is the scenario you have experience on?

A. Buying an apartment, not a house. From a seller (resale), not from Builder. Ready to move in, not under-construction. Some processes/documents could be common though. This is for Bangalore (India), I'm not sure of processes in other cities.

Q. What's the high-level process of buying a home?

A. Here's a 30,000 ft view of the typical process:
  • Choose a property
  • Indication of interest: Pay a token amount
  • Get copy of property papers from Seller
  • Get property papers verified by a lawyer
  • Negotiate price, Sign a Sale agreement, Pay an advance
  • Approach bank for Loan, pay fee, get approval
  • Sign Sale Deed, Register it, Pay seller (with Bank's help), take possession of house
  • Bank takes Sale Deed, provides you a copy

Q. What's the high-level cost breakup?

A. Here are some heads to consider:
  • Base price
  • Stamp duty
  • Registration charges
  • Brokerage, if an Agent is involved
  • Bank legal & processing charges, including Stamp duty for agreement
  • Khatha transfer fees
  • Residents Association membership transfer fees, if applicable
  • Renovation costs, if applicable
  • Monthly maintenance charges (recurring monthly/quarterly)
  • Property Tax (recurring annually)
  • Loan EMI (recurring monthly)

Q. Do I need to get papers verified from a lawyer? Wouldn't the bank do it before approving the loan?

A. You don't have to, but it's strongly recommended. Reason: you're buying the home, you should be aware of risks, if any. Bank does run some checks before lending money, but the liability is yours. You can ask your lawyer to provide a written report that lists all documents, with key dates, and calls out what's missing. This report is quite useful as a lot of property papers are in local language (Kannada). A written report does cost more than a verbal report.

Q. How much do lawyers charge for verifying papers?

A. It varies, depending on whether its a house or an apartment or a land, new or resale. Also varies from lawyer to lawyer.

TIP: For new apartments, most (if not all) set of papers are common for all units in the complex. So, you could get in touch with other interested buyers, and share the lawyer fees.

Q. Is there a standard list of documents required for an apartment?

A. The most frequent question amongst the FAQs! No, I found many different checklists on the internet, for lands, apartments & houses. Finally went with the checklist provided by the lawyer I consulted. It was quite comprehensive, and practically, not all of the papers in the list were available. Not all of the papers were applicable too. But, it was a good list to start with.

A lawyer would know best, which documents are important. And lawyers would be aware of the applicable rules/laws. So, it's recommended that you consult a lawyer & ask for a checklist. Depending on how important a document is, your lawyer might indicate whether it's required before signing sale agreement, before Registration or just a Nice to Have. If he/she doesn't mention it, do ask. It's confusing just picking up a checklist from someplace and going with it, as not all documents are equally important. There's a chance you might ignore an important document, or let a deal fall through for lack of a less important document.

So, I won't mention the list here, but here's a categorization of the nature of documents you can expect in the checklist.

  1. Documents related to agreement/arrangement between the land owner & builder (examples: Construction Agreement, General power of attorney, Joint development agreement etc.)
  2. Document relating to sanctions by Governments bodies (examples: sanctioned plan, layout map, approvals from NHAI/AAI, BESCOM, BWSSB, work commencement certificate, completion certificate, occupancy certificate etc.)
  3. Ownership documents: indicating chain of owners & current owner for apartment (example: Khatha, Encumbrance certificate, BESCOM bill, Sale Deed, tax receipts, any backing documents for Parking etc.)
  4. NOCs for Sale (examples; NOC from Residents welfare association mentioning No Dues & any fees you'll be expected to pay, NOC from Seller to Bank incase of mortgage)
  5. Documents related to Land (examples: Mother deed, Survey documents, conversion documents incase of agricultural land)
  6. Ownership documents for land (examples: Sale deeds, Khatha, encumbrance certificate, tax receipts)
  7. Documents relating to Builder's company
  8. Documents supporting any special cases (example: any minor claims, pending cases, ownership change by gift/partition/will/death certificates etc.)

For the documents relating to land, it's good to go back 30 years. It's important to keep in mind though, that these checklists are non-standard, & seller might not have all documents ready. For some, he/she might have to go back to builder, so be patient & considerate to see the deal through.

Also, for documents where a seller has physical possession of original documents, it's a good idea to have your lawyer accompany you to seller/builder & inspect the originals.

Q. Why is a Sale Agreement needed? Is there a standard format for it?

A. A Sale agreement is a formal agreement between the buyer and seller on the terms and conditions they agree upon for selling/buying a property. There are standard formats available online, but I recommend using them only as a starting template. It's good to document everything that you've agreed upon. Ideally, there should be no verbal clauses that are not contained in this document. A bank typically asks for the copy of the Sale agreement when you approach it for a loan, and the original before disbursement. Here are some things that this agreement typically contain:
  1. Names and addresses of buyer & sellers
  2. Address of Property
  3. Details of property, like Khatha numbers, super built-up area, built-up area, common area, parking spaces included, undivided share of land
  4. Mention any change in ownership between original owners and current owners
  5. Price agreed upon (Base), not including Registration and stamp duty
  6. Assumptions of sale: state things like all taxes are paid, the seller is legal owner, there are no legal cases pending, seller hasn't entered into agreement with any other buyer etc.
  7. Advance paid, along with mode of payment (Cheque/DD details)
  8. List of documents that the seller needs to provide to the buyer, with due date
  9. Maximum time by which sale must be completed, failing which the agreement would become null and void and seller would have to return the advance paid by buyer. Factor in the time it'll take for seller to provide all documents and time it'll take for buyer to get the loan approved.
  10. Any other Exit clauses

Q. Do I have to take loan from the same bank that the seller has a loan with?

A. No, but if your loan is with a different bank, it often leads to the following Catch-22 situation: Seller's bank won't part with the original papers/sale deed till the seller's loan is Paid. The process could take a day or two. Buyer's bank will ask for papers at the time of disbursement. In this situation, either buyer has to come up with the funds to payback loan & get Sale Deed released, or one of the banks has to agree to break the deadlock.

This situation gets eased if you go to the same bank that the seller has a loan with. In that case, seller provides NOC to the bank to process your loan on the same property, clear his loan using part of your disbursement, and transfer papers from his account to buyer's account

Q. In case of loan with the same bank, how do I make sure that the original sale deed is indeed transferred under my account?

A. After a month of disbursement, you can request the bank to provide a signed & stamped copy of the original Sale deed. Banks provide such copies on request. If you get the copy, the bank was able to retrieve the original for your loan account. Hope there's no else here.

Q. After registering the property, what other papers would I need to get in order?

A. Apply for Khatha transfer, BESCOM meter transfer in your name. Get Apartment association membership transferred in your name.

Q. Compared to renting, what are the factors to check while buying?

A. A lot of things are common. The key difference being: there are some things that can be changed easily, and some can't be. Things that can be easily changed can be ignored when you're buying. Anyways, here are some important things I recommend checking:
  • Woodwork present? Is it good enough to retain, or will you have to re-do? Factor in costs.
  • Availability of water supply
  • Power backup, check if it's minimal or partial or full
  • Reserved parking. Open or closed?
  • Association membership transfer charges, factor in costs
  • Monthly maintenance charges, factor in costs
  • Condition of doors
  • Check if there's any seepage present, this could be a deal breaker
  • Check for any major structural deviations from apartment plan
  • Natural lighting in apartment
  • Vastu compliance, if applicable
  • Check for recent sales in the apartment complex to get an idea of baseline rates. Mark up/down based on condition of apartment.
  • Security in area
  • Factor in all renovation costs into the price and evaluate if the price is still good.
  • Check water pressure.
  • Check condition of bathroom and kitchen fitments
  • Check for any termites around woodwork & kitchen sink
  • Get an feel of the kind of crowd in apartment complex
  • Visit the apartment at least twice, once during day time and other in the evening, take notes (unless you have a photographic memory)
  • Ask yourself: Does it feel good? Do you see yourself happily living there? There are some intangible things that the mind cannot measure but the heart can feel. Listen to the voice inside!

Q. Any other tips before moving-in

A. It's easier to get renovation and painting completed before you move in. Keep some spare paint and brushes to touch-up, in case shifting causes some marks on walls.

Also good to get pesticide/insecticide treatment done before your stuff moves in.

Hope this is helpful ... All the Best!

[Trivia: This post comes 953 days after my last post, I thought of waiting till 1000 days but couldn't]

Thursday, January 01, 2009

Best wishes for 2009

As we start this new year, if there's one word that comes to my mind, its "Hope".

Hope that the world would come out of the chaos into greens of harmony ...
Hope that we'll, once again, feel safe when we step out of our homes ...
Hope that the world would learn its lessons & realize the perils of short-term artificial Boom ...
Hope that people will embrace contentment and resist greed ...
Hope that these times will leave us wiser & tougher, wiser to know better & tougher to withstand what couldn't have been avoided anyways ...
Hope that we'll value good health & the love of friends & family ...
Hope that we'll be able to give back to the society, to those who aren't as fortunate as us ...
Hope that when we see injustice done, we'll have courage to stand up to it at the opportune moment ...
Hope that we'll be less gullible but still hopeful ...
Hope that we'll uphold our morals & will be able to look ourselves in the eyes ...
Hope we'll able to live by our own morals, and not by those thrust upon us ...
Hope we won't do to others what we don't want to be done to us ...
Hope we'll be able to give a benefit of doubt to others, like we give to ourselves ...
Hope we'll be able to forgive and move on, with lesser weight ...
Hope that we'll be able to handle the money or lack of it, & still be at peace ...
Hope we have the appetite when we sit down to eat ...
Hope for a peaceful sleep ...
... and Hope that we'll look forward to the day when we wake up each day!

I actually Hope for a perfect world, but if that's going to take too long in the making ...
... For the meantime, I hope for the Ability to handle the ups and down of an imperfect world!

Best wishes for 2009!

Cheers
Manik