Sunday, September 6, 2015

Things borrower must know about Pre Closing Home loan

Most people tend to take a home loan for 15 to 20 years as this usually offers the lowest home loan interest rates. Now to prepay the loan, you have to pay in Equated Monthly Installments (EMI) for the scheduled duration. However, if you wish to save on the interest, then pre closing your loan is a great option. So what does this mean? In simple words, it is to repay the entire remaining loan amount in one single payment. Once this is done, your property will then be debt-free! Now a days you can apply online for a home loan and get it easily. However, the process of pre-closure is not that simple. This article will help you understand important terminologies and some smart ways to close your home loan correctly, so that you won’t face any problems in the future. Important Terminology- The No Objection Certificate (NO) is given to you by the financial institution, and it states that the lender does not have any more interest in the property. – A lien is a transaction that was registered in the Registrar’s office when you had taken the home loan. This document prevents you from having the freedom to sell your property. The lender insists on this document only if they doubt the borrower’s credibility. - Credit Information Bureau (India) Limited (CIBIL) keeps a record of your payments pertaining to credit cards and loans. The higher your score, the easier it will become for you to secure loans in the future. – Encumbrance certificate (EC) is a written record of each and every financial transactions that have been performed on your house. Procedure to Pre-close a Home Loan The following steps will show you how to pre close a home loan. 1. If you have decided to pre close a home loan, then you have to inform the financial firm in writing. Mention the date by which you wish to make the payment. Request the lender to inform you of the outstanding amount, including the interest. Bajaj Finserv provides an online Home Loan Foreclosure calculator so that you can do your own calculations as well. 2. Once the company responds, you can make your prepayment. 3. It is now the lender’s responsibility to give back all the original documents that you had submitted when taking the loan. Before signing on the acknowledgement, make sure that you have received everything. 4. The company will now issue a No Objection Certificate to you. 5. In case a lien had been created, you and a bank official will have to go to the Registrar’s office together and have it terminated. 6. Now apply for a new Encumbrance Certificate at the Registrar’s Office. The updated EC should reflect that your loan has been completely repaid. 7. Many a time, lenders don’t inform CIBIL of your prepayment. If this happens with you, contact the financial firm and get your score updated. These seven steps are critical in completing your home loan prepayment procedure. Make sure you follow them correctly! Here Are some Tips to Pre Close a Home Loan! 1. Many banks charge a penalty for prepayment. When you take a home loan, read the terms and conditions carefully so that you choose the right borrower! With a trusted company like Bajaj Finserv, you can enjoy Zero Foreclosure Charges. 2. When taking a loan, ask the lender for an acknowledgement of all the documents that you have submitted. At the time of repayment, this will help you to figure out if there are any missing documents. Even better, you Access your Documents Online through the Bajaj Finserv customer portal.

Saturday, October 25, 2014

Celebrating Market or Festivals

Now a days celebrating or enjoying festivals are defined or measured with the buying or purchasing capacity of an individual or the family. Like Diwali means buying lots of electronic gadgets, costly utensils, purchasing gifts for friends, relatives and family members. The more one buys means the more one can enjoy and celebrate. The values of the families is prioritized least. For example if you ask some one before Diwali or any other big festival that how he or she is planning to celebrate this festival this time the answer would be that he would purchase a new car, house, blah.. blah.. Of course we do this for our family but we don't talk about togetherness or enjoying moments with the family or doing something for the social cause. A few days back my friend told me the incidence when his child insists him to purchase iPad for him this Diwali, and when he denied then the kid warn him that he will neither celebrate Diwali nor let him enjoy or celebrate the Diwali (ha.. ha..) I remembered the earlier days when we demand for crackers and sweets and sometimes for new clothes during these festivals. but now the time has changed forever. Now market have taken the axel in it's hand and it decides the way we should enjoy and celebrate our festivals. Lets take an example of New Year, although it's just an end of an year and beginning of a new year, as a matter of fact it is just a change of a date in the calendar. but see how market create a cluster and cloud over our eyes that we celebrate or enjoyed it as if we have added one more year to our life or we have achieved some thing wonderful. And it is not a secret that how this illusion and cluster of imaginative clouds are spread over the heads and minds of our society is spread. Market does it through advertising and marketing. We should understand this and make a habit to save for the future rather then just spending and try to buy even that we didn't need, and should understand that Market is for Us and we are not for the Market.
Mayank Nagar

Tuesday, December 31, 2013

Covering Index

Covering Index
The query we’ve chosen to optimize gives us the opportunity to explore a special kind of index, the covering index. A covering index is one that contains all the columns referenced in the query for a single table. We will demonstrate just how useful this can be.

Here is our example query:

USE AdventureWorks;
SELECT ss.Name, COUNT(*) as OrderCount, SUM(sd.LineTotal) as TotalPurchases
FROM Sales.SalesOrderDetail sd
JOIN Sales.SalesOrderHeader sh on sd.SalesOrderID = sh.SalesOrderID
JOIN Sales.Customer sc on sh.CustomerID = sc.CustomerID
JOIN Production.Product p on sd.ProductID = p.ProductID
LEFT JOIN Sales.Store ss on sc.CustomerID = ss.CustomerID
WHERE ss.Name is not null
-- and sd.SpecialOfferID = 13
GROUP BY ss.Name
ORDER BY SUM(sd.LineTotal) desc
This query joins on several tables but almost all of the cost of the query is in the full scan on the largest table, SalesOrderDetail, at a cost of 1175 page reads. the query returns 633 rows. (We find this information in the Messages tab of the query window in Management Studio after setting STATISTICS IO ON.) When we examine the query, there seems to be no way to reduce the cost of the table scan through indexing. In this query, SalesOrderDetail is joined on the SalesHeaderId and ProductID columns, but those columns are already indexed. The only other place that an index might improve things is on a column in the WHERE clause, but there are no search arguments in the where clause that apply to this table. The only search argument is on the Sales.Store table. There is no obvious column that we can index to improve the performance on SalesOrderDetail.
But notice that there are only three columns from SalesOrderDetail referenced in this query. They are SalesOrderID, ProductID and LineTotal. If we create an index that includes all those columns it is said to “cover the query”. That means that the query engine can get all the data it needs from the index without touching the table at all. This can lead to performance improvements that range from moderate to absolutely amazing.
CREATE NONCLUSTERED INDEX nc_cover on Sales.SalesOrderDetail(productid) INCLUDE (linetotal) Notice that we use the INCLUDE clause to add the LineTotal column to this index. INCLUDE was a new feature of the CREATE INDEX statement in SQL 2005. It allows us to include columns that are not keys without incurring the substantial cost of adding more key values to the index. Columns that have no value for filtering, joining or ordering results can be added to the index at lower cost than simply naming them in the traditional CREATE INDEX syntax.
You might also notice that we have not mentioned SalesOrderID in this CREATE INDEX statement. How can this be a covering index if we leave out a column that is used in the query? The answer is that we have not left it out.
In a table having a clustered index, all nonclustered indexes include the clustering key. SalesOrderID is in the clustering key, therefore it is automatically added to any nonclustered index we create. There is no need to explicitly name it. When we create this index, the cost of accessing SalesOrderDetail drops from 1175 data pages to 486 pages. This is not an earthshaking improvement, but it does illustrate the principle we are discussing.

Sunday, December 29, 2013

10 Things To Treat Acidity

10 things to treat acidity and its recurrence at bay:
Bananas: Are high in potassium which is an alkalizing mineral that has a high pH value. The higher the pH value, the lower the acidity, which is why the banana is a formidable antidote to acidity. They also have a component that makes the stomach lining produce more mucous. This mucous protects the inner lining of the stomach, reducing the damage caused due to acidity. It is high in fibre content, which helps speed along digestion thus reducing the further recurrence of acidity. To make this remedy even more effective try and eat overripe bananas during an attack of acidity. They have higher amounts of potassium making it even more effective. Read about the health benefits of bananas.
Tulsi: Has compounds that make it an effective digestive agent. It stimulates the stomach to produce more mucous and has potent anti-ulcer properties. It also reduces the effect of peptic acids in the stomach thereby preventing excessive acidity. They also reduce gas formation. Eat five to six basil leaves after your meal to get instant relief. Read about the health benefits of tulsi.
Cold milk: Milk has a high amount of calcium that helps it prevent acid build up and absorbs the excess acid produced thereby reducing the symptoms and the fact that it is cold provides instant relief from the burning sensation one feels during acid reflux. It is essential that one has this cold and without any additives like sugar. Mix it with a spoon of ghee to make the remedy even more effective.
Saunf: Called fennel in English and popularly used as a mouth freshener, saunf has many hidden benefits. Among them are aiding digestion reliving constipation. Rich in volatile oils containing flavanoids, plamitic acid and many others, it is known to have very potent anti-ulcer properties. Apart from that it acts as a coolant for the lining of the stomach helping it to heal faster. In fact, this is why saunf is served after meals at restaurants. In case you’ve a sudden bout of acidity, boil a few seeds in water and leave overnight, drink this water when you feel uneasy.
Jeera: It has properties that stimulate the production of saliva which helps in better digestion, improves metabolism and relieves gas and other gastric troubles. In Ayurvedic traditions, it’s believed to have a calming effect on irritated stomach nerves and helps in healing ulcers formed due to acid secretion. One can either chew on it to relieve acidity or a better method is to boil it in water and drink the water when it has cooled down.
Clove: It is a natural carmitive and helps improve peristalisis (the movement of food down the stomach) and also increase the production of saliva. It has a pungent taste when bitten into, and the taste buds react to this taste and secrete excess saliva, which in turn aids digestion. In case you’re suffering from acidity, bite a clove once so that the juice is released and then keep it in the mouth. The slowly escaping juice will immediately lower acid reflux and give you some relief.
Elaichi: In Ayurvedic traditions, cardamom is believed to be one food that balances all three doshas – kapha, pitta and vata. It is known to stimulate digestion and relieve people of stomach spasms. It soothes the mucous lining of the stomach helping it ward off the effects of excess acid produced in the stomach. Due to its sweet taste and slight cooling effect it also relieves the burning sensation associated with acidity. To relieve acidity crust two pods of cardamom (with or without the skin), boil the powder in water and drink the cooled juice for instant relief.
Mint leaves or pudina: These leaves have been used for ages as a mouth freshener and also for garnishing for various foods. This humble leaf has amazing properties that make it just the medicine to treat acidity. It also lowers the acid content of the stomach and improves digestion. Plus its cool effect helps to reduce the pain and burning associated with acid reflux. If you feel an attack coming on chop some mint leaves, add them to a pot of boiling water and drink this water after it cools.
Ginger: A regular ingredient in most Indian households, ginger improves absorption and assimilation of essential nutrients and aids in digestion. It also helps break down the proteins in your food. Ginger protects your stomach against ulcers by promoting mucus secretion thereby reducing the effect of the acid on the stomach. You can chew a piece of ginger for relief. If you find that too pungent, you can try boiling it in water and drinking the decoction. Another remedy is that you can crush ginger, mix it with a small piece of jaggery and keeping sucking on it allowing the juice to slowly reach the stomach. Read about the health benefits of ginger.
Amla: Is a kapha and pitta pacifier apart from having high amounts of vitamin C that helps in healing the injured stomach lining and oesophagus. Have one teaspoon of amla powder twice a day to help keep acidity way. Read about the health benefits of amla. So the next time you feel like you might suffer from a bout of acidity, ditch that bottle of antacid, and try some effective home remedies instead, after all they’ve been around for centuries Take Care Thanks for Reading Mayank Nagar

Tuesday, July 7, 2009

HttpWebRequest & WebRequest in WebServices

protected void btnWebRequest_Click(object sender, EventArgs e)
//string xmlfile;
//xmlfile = Request.Params["xmlfile"];
//if (xmlfile == null)
// xmlfile = "uddi.xml";
//HttpSOAPRequest(xmlfile, null);
//string xmlfile = "uddi.xml";
string xmlfile = "myRequest.xml";

HttpSOAPRequest(xmlfile, null);


void HttpSOAPRequest(String xmlfile, string proxy)
XmlDocument doc = new XmlDocument();
doc.Load(@"D:\Applications\FridViewManipulation\" + xmlfile);
// HttpWebRequest req = (HttpWebRequest)WebRequest.Create("");
HttpWebRequest req = (HttpWebRequest)WebRequest.Create("http://localhost:1709/FridViewManipulation/WebService.asmx");
if (proxy != null) req.Proxy = new WebProxy(proxy, true);
// if SOAPAction header is required, add it here...
//req.Headers.Add("SOAPAction", "\"\"");
req.Headers.Add("SOAPAction", "");
req.ContentType = "text/xml;charset=\"utf-8\"";
req.Accept = "text/xml";
req.Method = "POST";
Stream stm = req.GetRequestStream();
WebResponse resp = req.GetResponse();
stm = resp.GetResponseStream();
StreamReader r = new StreamReader(stm);
// process SOAP return doc here. For now, we'll just send the XML out to the browser ...
// Response.Write(r.ReadToEnd());
dvResponse.InnerHtml = r.ReadToEnd();



Tuesday, June 16, 2009

Test to Find Adulteration in Milk, Ghee etc.

Important Tests
Test for detection of urea in Milk

1. Urea is generally added in the preparation of synthetic milk to raise the SNF value.

Five ml of milk is mixed well with 5 ml paradimethyl amino benzaldehyde (16%). If the solution turns yellow in colour, then the given sample of milk is added with urea.

2. Take 5 ml of milk in a test tube and add 0.2 ml of urease (20 mg / ml). Shake well at room temperature and then add 0.1 ml of bromothymol blue solution (0.5%). Appearance of blue colour after 10-15 min indicates the adulteration milk with urea.

Test for detection of starch

Addition of starch also increases the SNF content of milk. Apart from the starch, wheat flour, arrowroot, rice flour are also added.

How to detect?

Take 3 ml milk in a test tube and boil it thoroughly. Then milk is cooled to room temperature and added with 2 to 3 drops of 1% iodine solution. Change of colour to blue indicates that the milk is adulterated with starch.

Test for detection of formalin

Formalin (40%) is poisonous though it can preserve milk for a long time.
How to detect?

Take 10 ml of milk in test tube and 5 ml of conc. sulphuric acid is added on the sides of the test tube with out shaking. If a violet or blue ring appears at the intersection of the two layers, then it shows the presence of formalin.

Detection of Neutralizers in milk

1) Rosalic acid test (Soda Test)

In milk neutralizers like hydrated lime, sodium hydroxide, sodium carbonate or sodium bicarbonate are added which are generally prohibited.

How to detect?

Take 5 ml of milk in a test tube and add 5 ml alcohol followed by 4-5 drops of rosalic acid. If the colour of milk changes to pinkish red, then it is inferred that the milk is adulterated with sodium carbonate / sodium bicarbonate and hence unfit for human consumption.

This test will be effective only if the neutralizers are present in milk. If the added neutralizers are nullified by the developed acidity, then this test will be negative. In that case, the alkaline condition of the milk for the presence of soda ash has to be estimated.

How to proceed?

2) Take 20 ml of milk in a silica crucible and then the water is evaporated and the contents are burnt in a muffle furnace. The ash is dispersed in 10 ml distilled water and it is titrated against decinormal (N/10) hydrochloric acid using phenolphthalein as an indicator. If the titre value exceeds 1.2 ml, then it is construed that the milk is adulterated with neutralizers.


Tests to detect adulteration in ghee

1. Butyrorefractometer reading

Properly filtered ghee whose temperature is around 40°C is taken; 2-3 drops of it are poured in to the butyrorefractometer by the side of the glass rod. Now the reading is noted by the scale placed above the meter. Care has to be exercised to maintain the temperature of water that is flowing over the thermometer to be at 40°C. If the temperature deviates, then the results obtained may not be accurate.

2. Baudoin Test (Detection of adulteration of ghee with vanaspathi)

As per the prevention of food adulteration act, it has been made mandatory to add 5% sesame oil to vanaspathi in order to detect the presence of vanaspathi in ghee through Baudoin test. The principle behind the test is development of permanent crimson red colour with furfural in the presence of concentrated hydrochloric acid in ghee adulterated with vanaspathi.

How to detect?

Take 5 g of molten filtered ghee in a test tube and add 5 ml of concentrated hydrochloric acid and 0.1 ml furfural solution in alcohol (2%) and mix the contents thoroughly and it is allowed to remain undisturbed for 10 min. Development of crimson red colour shows that the ghee is adulterated with vanaspathi.

3. Detection of mineral oil in ghee

About 2 g of ghee is saponified with 25 ml of 50% alcoholic potassium hydroxide for one hour. Then the saponified content is transferred to a beaker containing 100 ml of water. Development of turbidity indicates the adulteration of mineral oil in ghee.