Archive for November, 2017

name ceremony invitation card in marathi

name ceremony invitation card in marathi

name ceremony invitation card in marathi

1 comment - What do you think?  Posted by admin - November 18, 2017 at 11:40 am

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Is petroleum jelly not absorbed by our skin

Q Is petroleum jelly not absorbed by our skin? Does it form a barrier that doesn’t allow moisture to penetrate, making our skin drier than before?

A Not true. Our skin gets its moisture from the lower layers of your dermis deeper in skin not from the environment. We have a constant flow of moisture from the lower layers of the skin to the outer layer. This is called trans-epidermal water/moisture loss. Your outer most layers comprise cells that are filled with hydroscopic material called natural moisturising factor. These cells are cemented in place with a complex mixture of lipids. The cells and lipids hold on to some of this moisture coming from the lower layers to ensure the skin stays soft and pliable. In the course of your skin’s exposure to the environment such as dry air, sun, hot water, washing and the sun your skin loses these lipids. When this happens, the skin can no longer hold on to the moisture needed, from the lower layers, so it dries out. Petroleum jelly does not actually penetrate skin, it fills these lipid holes, reducing the moisture loss and allowing skin to once again hold on to the moisture coming from the lower layers, returning skin to a soft and supple state.

Be the first to comment - What do you think?  Posted by admin - November 16, 2017 at 10:44 am

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Skincare and pick the right emollient for extra hydration

Cold comfort

With the winter setting in, it’s time to up your skincare and pick the right emollient for extra hydration

Winter can play havoc for your skin. It’s a time to rethink your skin routine. Mumbai-based dermatologist Dr Saumya Shetty Hegde says, “In winter, you need to moisturise more. As the temperature drops, our skin is more likely to change or fluctuate abnormally with different humidity levels in autumn and winter months. The drier the air, the more moisture it sucks from your skin.”



Five ways petroleum jelly can up your skin game this winter

At night, soak your feet in warm water with some salt added to it. Towel-dry thoroughly and apply petroleum jelly. Wear clean cotton socks over it to lock in the moisture.

Use a little bit of petroleum jelly for your split ends and wash it off with shampoo after some time.

Mix petroleum jelly with sea salt. Apply it on your body after a bath. Interestingly, while applying, it acts as a scrub. Later, the salt gets dissolved and coats the skin as a long-lasting lotion.

Apply jelly to soothe embroidery rashes.

A quick application of petroleum jelly can slick eyebrow hair back and keep it in place all day for a neat look that perfectly frames your face.



Take one brief shower per day. Prolonged or frequent exposure to water or soap will cause more dryness. Avoid a bubble bath.

Avoid hot water.

Immediately post bath, within five minutes, when your skin is a little moist, apply the moisturiser.

Use a humidifier, when you turn the heat on in your homes.

Pick a lotion depending on your skin type. You need a heavier moisturiser in winter.

Be the first to comment - What do you think?  Posted by admin - at 10:41 am

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Buying an old property could be trickier than buying a new one. Here is a checklist to be kept in mind

Investing in a property or buying a property is no joke, as people put in their lifetime’s saving in it. While buying an old property, there are more than usual questions that are to be asked to oneself.

Here is a checklist that should be considered before buying an old property:

LEGALITY: Ensure that there are no other claimants to the property. Check whether the property has joint ownership, and if yes, ensure that all coowners have authorised the sale. Seeking the property titles along with original documents will help in knowing if the existing owner has bought the property on resale. In case, any of the documents from the chain of titles is not stamped as regulated, the banks might refuse to offer a loan for the purchase of a resale property. This is one of the most important points that is to be considered while doing any such transaction. Although it is extremely time-consuming, it’s still worth investing time into.

DUES, IF ANY: Ask yourself, is it a disputed property? One should make sure that the property is free of all legal dues at the time it is being sold in resale. Copy of the title documents including the sale deed in case it is a third of fourth resale in the name of the present seller should be sought.


One might also have difficulty in seeking a loan if the resale property is older than 10 years; Receipts of payments made to the developer and builder buyer agreement are needed; A possession letter from the developer to the original allottee is a must to buy a resale property; To find out the exact reason behind selling the property is extremely important.



Today, buying your own home is not only a basic need, but also brings along a sense of pride, achievement, freedom and security. Deciding to buy a home is one of the biggest steps one can take in life and, for most of us, it’ll be one of the biggest investment decisions. So, it’s imperative to make sure it is done wisely as there are many things to take into account when you buy a home. The most important thing is deciding what you want. This includes the kind of home you are looking for, its location, amenities, and surroundings among others.

Once sure, strive for a good credit rating as lenders will be more than happy to sanction you a loan if you show them a good credit history in terms of not being overburdened by credit card bills, mortgages and other loans. Club all your incomes (your spouse’s earnings, additional perks, rent, agricultural proceeds and any other revenue earned by your family) to move to a higher eligibility bracket and get the best deal.


Often, acquiring a home loan becomes a tedious task due to a lack of information and a bad credit history. Make sure you have no bad loans when you apply for one.


Buying one’s first property is not only an important financial decision, but also has a lot of emotional value. Therefore, choose wisely and invest well.


A broad list of documents required by Housing Finance Institutions (HFIs) is detailed below (it may vary depending on the creditor and background of the debtor).

INCOME DOCUMENTS: Income proof, salary certificate, IT returns, bank statements, etc;

PERSONAL DOCUMENTS: ID and age proofs like PAN card/ Aadhar card/ election card/ passport/ driving license, etc;

RESIDENCE PROOF: Residence proof like recent telephone bill/ electricity bill/ property tax receipt/ bank account passbook/ statement for the previous six months;

BUSINESS PROOF: Businessmen/ industrialists need to furnish business address proof.

WORK EXPERIENCE PROOF: Select banks clamp in a condition of the loan applicant possessing a given amount of experience in the current company;

LEGAL DOCUMENTS: There are many legal documents that need to be furnished to acquire home loan. Make sure you have all those handy;

A copy of the offer letter issued by the HFI;

Title documents of the property, which include: duly registered sale agreement; receipts of your own contribution; allotment letter; registration receipt; etc;

Land documents indicating ownership: possession letter; lease agreement; mortgage deed (if the HFI opts for a registered mortgage);

NOC from the developer, society or development authority;

Personal guarantees, if required;

Documents for alternate or additional security;

Post dated cheques for the EMIs, etc.


The Real Estate Regulation Act (RERA) will go a long way in protecting the rights of home-buyers

Purchasing a home is one of the major financial decisions that you take in your life. Hence, if you are planning to invest lifetime of your savings in real estate, then one of the most common advice one will get from experts is to be diligent while choosing a builder. Being diligent means taking notice of the builder’s previous projects, quality of service provided, compliance with the plan, etc.

But unfortunately, the real estate sector was plagued with fraudulent builders and fly-by-night operators, which led to many of the buyers being cheated and losing their hard-earned money. In fact, they used to indulge in malparactices and fool the buyers. All such activities led to the downfall of the realty sector with consequences being felt far and wide.

Instances of buyers being cheated had become rampant and were on the rise. In fact, builders promised to complete the project on time, but they delayed the construction even after making full and final payments. They even misrepresented the building plan with wrong measurements and usage of sub-standard materials – in addition to not providing agreed quality of products for construction while indulging in all sort of fraudulent activity.

All these instances led to a need of a real estate regulator in order to protect home-buyers and bring about transparency between realtors, real estate agents and buyers’ therefore; The Real Estate (Regulation and Development) Act, 2016 (RERA) was formulated by the government of India and every state had to implement it in full earnestness form May 1, 2017.

The Real Estate Bill was published in the Official Gazette on March 26, 2016 by the central government. And the bill may be considered as model law because ‘land’ being a state matter, the states are given flexibility to modify/add their own set of rules. While a majortiy of the states have notified the Act, the rest are in the process of implementation.

In fact, Maharashtra is among the first states to implement RERA and set-up a regulatory authority. And in the time to come, both buyers and developers will only benefit from this regulatory body as it will help regain the trust of the buyers back, which the market had lost due to fraudulent and inconsistent practices.


If you have been scouting for your dream abode, the 15th edition of the Times Property Home Fair 2017, held on 11-12th November 2017, at Hall 7 in Bombay Exhibition Center, NSE Complex, Goregaon east, Western Express Highway, is a great place to be. Showcasing the best home options from all over Mumbai, Virar, Thane and beyond, the expo is a onestop-shop where a plethora of properties will be displayed under one roof.

Over 100 leading developers are participating in the grand event, which will attract over 5,000 prospective buyers, over two days. By virtue of its strategic location to the international and domestic airports, excellent connectivity via the Western Express Highway, well-developed infrastructure, shopping and entertainment options, also the presence of many MNCs and corporate offices—the expo should be your one-stop destination.

With the change in the consumer behaviour pattern, this target audience is inclined to invest in property for personal usage or investment across various markets.

Also, leading developers will be displaying projects from the western suburbs, central suburbs, Pune, Thane, Vapi, Valsad, Khardi with many more banks and financial institutions offering lucrative funding options. Therefore, don’t miss this chance to own your dream abode and visit the show today!




Some real estate terms in practice could also confuse buyers. Here we simplify them for you.

CARPET AREA is the area within the walls of an apartment that is for the exclusive use of the buyer. Normally in large societies, with many common amenities, the carpet area could be as less as just 2/3rd of the built-up area.

BUILT-UP AREA includes the carpet area and thickness of external walls, internal walls, lobbies and corridors, basements, atriums, etc.


includes common amenities, such as the area of lift shafts, lobby, and corridor, proportionately divided among all flats. Common usable areas such as a swimming pool, garden and club house, may also be included. Per square foot rate quoted by the developer is typically applied on the super built-up area. BSP is Basic Sale Price of the apartment that the builder advertises and more often than not there are other add-on charges like PLC, floor charges, car parking, club charges, electricity connections, etc.

PLC is Preferential Location Charges that the apartment commands and normally parkfacing, pool-facing and other visually attractive views command better premium compared to less attractive views like road-facing apartments.

Be the first to comment - What do you think?  Posted by admin - at 10:20 am

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Creative Muvo 2c

Creative Muvo 2c

The Creative Muvo 2c is a mini Bluetooth speaker that sports a rubberised finish and carries an IP66 rating, which means it is resistant to dust and water splashes. It houses a single driver with a frequency response of 80Hz-20kHz, along with a passive radiator for bass. This speaker has a 3.5mm aux-in port for wired connections, a microSD slot for direct MP3 playback, a USB port to connect to a PC or Mac, and a mic for hands-free calls. Its Sound Blaster Connect app – available for Android and iOS – lets you control the Muvo 2c, switch between sources and connect two speakers for a wider soundstage. Besides, it packs in a 650mAh battery that is rated to last up to six hours on a single recharge. ₹4,999

Be the first to comment - What do you think?  Posted by admin - at 10:10 am

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Huawei Fit

Huawei Fit

The Huawei Fit boasts of a metal watch case, a Gorilla Glass 3 touchscreen and interchangeable wrist bands. Its IP68 certification means it is dustproof and can also be worn in the shower or to the pool. The dial houses an ambient light sensor and a heart rate sensor to give you real-time readings of your cardiac rhythm along with VO2max readings (volume of oxygen in the blood). It can also be configured to wake you up gently in the morning, sound an alert when you’re over-exerting yourself and display phone notifications. The device, when paired with its companion app for Android and iOS devices, allows you to maintain exercise routines, and even view sleep patterns. The Huawei Fit is rated to give up to 6 hours of service on a single charge of its battery. ₹9,999

Be the first to comment - What do you think?  Posted by admin - at 10:09 am

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10 reasons for the iPhone X


If you had to pick the one thing that differentiates the iPhone X from any other smartphone, it is its “edge-to-edge” 5.8-inch, 2436x1125px display that is capable of sharp text, crisp visuals, and colours that are near accurate, with very little artificial saturation.


The front and the rear of the iPhone X is made up of reinforced glass, while the band that makes up its sides is fabricated out of “surgical-grade” stainless steel for added strength. The device carries an IP67 rating which means it is resistant to dust and can withstand immersion in up to one metre of water for 30 minutes. True to its rating, the device easily survives a dunk in H2O, and it’s safe to say that a walk in the rain will not put it out of commission either.

The iPhone X feels solid, but we would still recommend a case to protect its screen and rear glass panel against accidental falls.


The glass back of the iPhone X includes an embedded charging system, known as Qi, that lets you juice up the device’s battery by simply placing it on charging surfaces or mats. At present, you will have to make do with wireless chargers from brands like Belkin, Samsung and Mophie. Apple plans to launch its proprietary fast-charging ‘AirPower mat’ only in 2018.

Qi chargers work with the protective cases that Apple retails themselves, and almost any cover that’s not too thick and which does not include metal in its fabrication. Still, we recommend you err on the side of caution, and opt for an iPhone cover/casing that’s tried and tested.


The iPhone X is powered by Apple’s new A11 Bionic chip. Its CPU comprises two “performance cores” and four “high-efficiency cores”, while its three-core GPU is fine-tuned to handle 3D games as well as Augmented Reality (AR) applications. Apple says its new CPU can harness all six cores simultaneously whenever applications demand extra processing power. This is a clear improvement over last year’s quadcore A10 Fusion chip where only two cores could be active at any given point of time.

The A11 also features a new dual-core neural engine that is built for machine learning, and it is this artificial intelligence that powers new features such as Face ID and Animoji.

In benchmark tests, the iPhone X outclassed last year’s iPhone 7 and 7 Plus, and also bested the scores posted by each and every Android handset we’ve tested this year, including the OnePlus 5 and the Samsung Galaxy Note 8. The iPhone 8 is the only device that out-performed this handset.

As far as real-world use is concerned, it is safe to assume that if the iPhone X cannot handle any task, no other smartphone would be able to either.


The iPhone X does away with a fingerprint reader, and instead uses facial recognition to unlock the device. To achieve this, the handset is equipped with Apple’s proprietary TrueDepth camera system. This comprises a Dot Projector, Infrared Camera and Flood Illuminator.

The Dot Projector casts more than 30,000 invisible dots on a user’s face to build an encrypted facial map that’s stored only on the device. Subsequently, every time a user tries to unlock the handset, the infrared camera captures this facial geometry and sends it to the A11 Bionic chip to confirm a match. The Flood Illuminator allows the TrueDepth System to identify a user even in the dark.

Since Face ID also captures depth information, the iPhone X cannot be unlocked with a photograph. It also recognises if the user’s eyes are open and looking towards the device to prevent someone from unlocking the device when you are asleep. The technology uses the neural engine to automatically recognise changes—such as makeup or a beard—in your appearance.

As an additional failsafe, Face ID allows only five unsuccessful match attempts before it requires you to enter the backup PIN you created at the time of setup. Face ID works consistently to unlock the device, even in pitch darkness. It is also designed to work with hats, glasses, contact lens and some tinted sunglasses. Apple says this technology is approximately 20 times more secure than its fingerprint-based Touch ID.


It’s hardly been a week since the iPhone X has hit markets, and already Animojis are a rage all over the internet. The TrueDepth camera system – when coupled with the processing muscle in this handset – captures and analyses over 50 facial muscle movements to create a dozen different animated emojis such as a bunny, fox, puppy, rooster, and unicorn.

This means you can record 10-second voice messages that are played back instantly using these 3D characters that lip-sync to whatever you’re saying.

Animoji messages can be played back on any handset, but, of course, you can only create these on the iPhone X.


The cameras on the iPhone X are one of the best on smartphones today. They capture colours that are true to life, without any over saturation. Besides, their high-dynamic range even picks up the darkest areas in a scene with great details. You also get a Portrait mode for images with a wonderful depth-of-field effect. Plus, there is no denying that the video captures on this new Apple handset—with crisp audio capture—is the best in class; enough to allow you to shoot hi-res YouTube videos, and even amateur 4K movies without investing in high-end camera equipment.

The iPhone X now comes with a ‘Portrait Lighting’ feature. This mode is possible because of the handset’s dual rear shooters, and its TrueDepth camera at the front. It allows you to apply five lighting effects to your portraits: ‘Natural’ where the subject’s face is in sharp focus against a blurred background, ‘Studio’ for a brightly lit-up subject, ‘Contour’ for dramatic highlights and lowlights, ‘Stage’ where the subject is spot-lit against a black background, and ‘Stage mono’ which is similar to Stage, but in B&W.

So whether you want to shoot panorama photos; slow motion, time-lapse, Full HD, or 4K videos—along with image stabilisation and even zoom—all your needs will be met with the iPhone X. Besides, this device will even let you edit these high-resolution photos and videos without any stutter, thanks to its powerful A11 Bionic chip.


The iPhone X is future-proof. With the new iOS 11 operating system, developers are provided with tools—known as ARKit—that will allow them to build augmented reality apps. Users can expect to see educational content, multimedia entertainment, measuring tools, 3D scanners and even games that will leverage on this technology where digital objects and information are blended with the environment around you to create a more immersive experience.


The iPhone X comes with preinstalled apps such as Weather (for daily and weekly forecasts), Notes and Voice Memos (for quick scribbles and musings), Calendar and Reminders (to add tasks and set schedules), Health (to monitor your physical wellbeing), GarageBand (to compose music), Keynote (for presentations), Numbers (for spreadsheets), Pages (to create documents), iMovie(for movieediting on the fly), iTunes Store (for movies and music), and iTunes U (for educational content).

Apple has also baked QR coderecognition into the camera app, so now you can point the device at a code, and you will see a context sensitive popup that will offer to open a web page in Safari, or add phone numbers and emails to your contacts.

OS 11 now also comes with a new ‘Do Not Disturb’ mode that detects when you are driving, and sends customised responses to the people you specify. You can easily disable this mode from the DND pop up if you are not at the wheel yourself.

And, of course, Siri, Apple’s digital voice-based assistant works well with Indian accents and can be used to access apps, initiate searches, and even play music with simple voice commands.

Besides, the App Store has now been completely redesigned to help users find new and relevant apps. A new ‘Today’ tab highlights “best new apps”, while tabs for ‘Apps’ and ‘Games’ feature picks by Apple’s app editors as well as chart toppers.


There is no home button on the iPhone X, which is why Apple has introduced new control gestures. Some of these include…

Raise the device and look at it to unlock with Face ID

Swipe from the top right corner to access the Control Centre, which reveals quick access to network settings (airplane mode, Wi-Fi and Bluetooth), display brightness, night mode, camera and flashlight.

Swipe from the bottom edge to access the home screen.

From an open app, swipe up from the bottom edge and hold to access the App Switcher. Long press on the windows that appear to access the option to close open apps.

Press and hold the right-side button to ask Siri a question.

Simultaneously press and quickly release the right-side button and volume-up button to take a screen shot.

Press and hold the side button and either volume button to turn off the iPhone.

Be the first to comment - What do you think?  Posted by admin - at 10:07 am

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