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Deal with it

8 step guide to renting out your property

As a property owner, make sure you select the right people to inhabit the space when you eventually lease it out.
by The Editors | editor@themetrognome.in

If you are leasing out your property, you need to be very careful about letting it out to the right persons. Your tenants should not be allowed to default on rent and utilities payments, they cannot do anything illegal inside your property, and they cannot conduct themselves inappropriately. These are some things you will have to do as a property owner:

1. Settle all society dues for a year. You don’t use the property, but you still have to pay maintenance, water charges, any pending electricity and gas bills, parking charges, property tax, etc. Meet with the building’s accountant and find out how much you owe the society per month. If you are not able to make a trip to the building every month, it is better to write out a cheque with a lump sum amount and hand it over to the treasurer. Take a receipt for the same and ask the society to inform you in case of revised charges.

agreement2. Do a discreet background check. You will have to inform the society via a written letter that you wish to lease out your flat or shop for a certain number of months. You cannot lease out without the society’s permission to do so. When you find a potential candidate for your property, find out what the person does, where he or she works, how long they intend to use your property, how many people will reside in or use the space, etc. Enlist the help of a broker to carry out this step, but do not agree to lease out the property till you meet the candidate and are satisfied with him or her.

3. Ask for post-dated cheques. After you have informed the society that you have found a person for your house or office, introduce them to the building chairman and secretary. After this, be very clear on all the terms; what the security deposit will be, the monthly rental, the condition in which you expect the property to be handed back, which modification you will allow or get done inside the property, the system to settle utilities payments, etc. Insist on the person handing you a series of post-dated cheques – be alert the moment the person says they will pay you every month. Some tenants have been found to stop paying the rent and continuing to occupy the property. Also, do not agree to the tenant paying your rent via NEFT unless absolutely certain that they will do so.

4. Register the agreement. This is an important step, but many landlords do not insist on it because they don’t want to shell out the stamp duty and registration charges. However, registration of the house or office agreement makes the transaction legal and will absolve you of any wrongdoing in case the tenant uses your property mischievously. You and the tenant each get to keep the registered agreement.

5. Insist on police verification. This is the most important step. The mandatory police verification must happen for the new tenant because it is a certificate from the police station verifying the tenant’s credentials. This certificate must be included with your registered agreement copy.

6. Take immediate steps in case of indiscipline. Before the tenant starts using the property, give him or her a checklist of Dos and Don’ts. Insist on them maintaining decorum while using the property, and that their conduct should not reflect poorly on you. Remember that the building society is within its rights to ask you to vacate the tenant if their conduct is found reproachable. If you hear any complaints from the society about your tenant, remedy the situation at once.

7. Do not allow the tenant to change the main lock. A big red flag for any owner is the knowledge that the tenant wants to change the main fixed lock to the property. Do not allow this under any circumstances, because it suggests a malafide intention. For the tenant’s safety, allow them to use a detachable lock to use when they are not at home, and do not keep a copy of the key to this lock – in case a theft occurs in the property, the tenant should not be able to point a finger at you and declare that you may have carried out the theft.

8. Visit periodically. Your job as the owner is not complete just by doing the paperwork and collecting the rent. In the initial days, make it a point to visit the tenant for a chat after informing them of your arrival, and observe how they are using the property. If you find that any unauthorised repairs have been carried out without your permission, or if anything inside the flat or office is broken or damaged, tell the tenant that you will deduct the damages from the security deposit. Keep in touch with the society as well, to hear their account of the tenant’s behaviour.

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Deal with it

6 ways to identify a shopping addict

Here are surefire ways to identify a shopping addict and get them help before they are completely broke and depressed.
by Reyna Mathur

All of us know at least one person who is so addicted to shopping, he or she will not think twice before spending even when they are broke. Do you identify with this scenario: A young girl works in a private firm. In her spare time, she surfs shopping sites and keeps adding items to her virtual shopping cart. Not a single day passes without her buying something for herself, and when packages arrive at her home and office on a daily basis.

Then her credit card bills catch up on her. Soon, she buys many credit cards to settle the bills on the previous ones – and also to increase her spending power. The situation soon lands her in huge debt, but through it all, she still can’t stop shopping.

If this sounds familiar, you or someone you know is a shopping addict. It is a dangerous addiction that lands people in a severe financial crunch, but like other addictions, this one too compels the victim to give in to his or her constant urges to acquire the next object of their fancy. Unfortunately, most people don’t take this addiction seriously enough, and fail to see that it is a form of mental illness.

It is easy to tell when a person is a shopping addict.

1. Constantly wanting to buy things. All of us like to shop, but some people take it to another extreme level by buying something, big or small, every single day. If they pass by a store and see something on display that they like, they will buy it immediately without considering if they have enough money for it.

2. They are unable to rest till they buy what they want. There have been cases where shopping addicts have reported insomnia, anxiety and depression to their doctors and therapists, all brought on by their inability to buy something they really liked. They see it as a personal failure to be unable to gratify their own wishes, and this leads to feelings of inadequacy and unhappiness. In the West, there are support groups for people falling under this category, where people come together and share their fears and insecurities about themselves related to their finances. Many of them express a wish to get professional help after finally understanding that they are in the grip of an illness.

Shopping addicts3. They don’t much care how much something costs. All of us are fitted with an invisible ‘radar’ that alerts us when we are considering a purchase. The voice in our heads cautions us with questions like, ‘Can you afford this new TV? Shouldn’t you first pay off your maintenance bills before buying that dinner set?’ The difference with a shopping addict is that he or she can choose to ignore this radar at will, often leading them into a deep financial pit where they flounder but cannot come out of.

4. They are the biggest consumers of EMI spending. Many e-commerce sites have smartly tapped on to people’s tendency to purchase something expensive if there is a reasonable monthly EMI attached to it. A shopping addict will normally explore this option, because it means they can adopt the same principle and buy several more items that month.

5. They borrow money to go shopping. We are conditioned to spend only what we have in our pockets, so it goes against the grain to borrow money. However, most of us borrow money for sudden unavoidable expenses and we set targets to repay the money back as soon as we can. But a shopping addict, normally running short of money owing to his or her spending habits, has no qualms borrowing money to buy a new mobile phone or an expensive saree or even to go on a trip. There is a very high chance that the money will not be repaid on time, because the person will never have enough cash to pay back the loan in time.

6. They don’t use most of the things they buy. For a shopping addict, the thing is in acquiring the object of their affections, not necessarily in using it. With so many purchases piling up one over the other, it is little wonder that they get around to using even half the items that they buy so passionately.

(Pictures courtesy www.addictioncam.com, feinlawyer.com. Images are used for representational purpose only)

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Guest writer

Forced to donate by Jagannath Puri temple priests

A reader writes a letter about temple priests demanding large donations to perform the simplest of poojas and offer their blessings.

We have been introduced to our respective religions and Gods since childhood. As Hindus, we visit temples or Gurudwaras, join our hands in respect and gratitude, say our prayers and drop some money in the donation box before we leave.

Hindus have four prime pilgrimage destinations where we place our strongest faith and which we believe we should visit before we breathe our last. These comprise Badrinath in the North of India, Dwarka in the West, Puri in the East and Rameswaram in the South.

Puri travels…

I visited one of these places recently with my husband and mother-in-law. Located in Puri, near Bhubaneswar, Orissa, the Jagannath Puri temple has idols of Lord Jagannath, Goddess Subhadra and Lord Balabhadra. On an average, the temple sees hundreds of pilgrims every day. During my first and recent trip to Puri, I visited the temple twice.

The first day a panda (the local priest) greeted us at the entrance gate itself. He promised to guide us around the temple and help us with the puja and darshan. For this, he charged us Rs 51. First, we made our way to the counter in the temple complex where donations were accepted and entered in the account books. But we were surprised to see a rate card here! The price for the prasad ranged from Rs 251 to around Rs 30,000!

Despite being a strong believer in the Almighty, I did not support this idea – but since it was our first visit to one of the Char Dham temples, we went ahead with it. With a small cane basket as a prasad for around Rs 451, we proceeded towards the main temple building.

The grandeur of the temple was evident by the huge gates and the stone carvings that covered the walls. But sadly, these walls were not as you would imagine. Some of them were covered in greenish black fungus, so much so that the carvings could not be seen clearly.

…and then the travails

Being a pilgrimage destination of a high order, the temple is always crowded. Unfortunately, we did not find any queue or queue managers to mind the unruly crowd. As a result, people had to push their way ahead. Devotees were allowed to pray only from a certain distance from the main idols. A darshan in closer proximity required a VIP ticket. This time, we went in for the unpaid darshan.

Our panda guided us to an area where few other pandas were performing rituals to bless the devotees. We did this pooja – post which we were asked to donate around Rs 250. My husband gave me a puzzled look and gave Rs 101. The panda reluctantly settled for the amount. We then moved ahead – or were pushed ahead – by the crowd. Punched by some and hit in the stomach by the nudging elbow of a woman who was filled with so much devotion that she did not mind hurting fellow devotees, we reached the barrier where the prayers were offered. The pandas stood here in a line, we handed over our prasad basket to them and they blessed us. But this ‘blessing’ required another donation of Rs 101. It turns out that this is the fixed rate for donation here!

I also saw a man who stretched out his hand from the crowd, holding a wedding card for blessings. He was told to donate Rs 500 if he wanted the card to be accepted. I saw him pulling out a note of Rs 100 and stretching out his hand again only to be turned down because ‘it takes a fee to make your card reach the main idols’. I didn’t see what happened after this as we walked out of the temple building.

There were numerous smaller temples and shrines within the same complex. We went to one such temple, where another panda handed a small box of sindoor and two red bangles to me, as an offering to Goddess Lakshmi. I hesitated, as I hadn’t asked for it and didn’t know what to do. He said “Sirf bees rupaye (Only Rs 20)”. I took it. He gestured further into the temple, where another panda waited with a different pooja. He took these from us, prayed in our name and added a golden key. He touched the key to the idol’s feet and gave it to us. “500 rupaye,” he said.

We were at a loss of words . He said “Ye Lakshmi ke khazane ki chabi hai, isse aapke ghar mein Lakshmi aayegi.” We said it was too much. This angered the panda, he threatened us of the ill consequences – making us wonder if we were in a house of God. He took the key back from us at once, telling us we were disrespecting Goddess Lakshmi. Finally, he haggled for the price of the key and reduced it to Rs 100, explaining that it was for the pooja he did. Getting angrier and angrier at this systematic looting of devotees, I confess to feeling helpless in the hands of the practice that was going on for years inside the temple premises. It even shook my belief in God for a while – how could He let this happen if he really was still present there? I felt disheartened about visiting any more temples.

We then toured the complex for some time, and visited its museum, which had a lot of beautiful statues and setups that told different tales from the life of Lord Jagannath, Balabhadra and Goddess Subhadra.

Right outside the museum there was a small temple. Since it was almost closing time, the panda was about to shut its gates. We joined our hands standing outside the gates and prayed, but he opened the gates on seeing us and another couple. Completely unnerved by our earlier experience, we walked in but announced that we didn’t have any money. He just smiled and said, “Jitni aapki ichcha ho (Donate as much as you wish).”

We were happy to hear that we could actually donate as per our will, so we prayed and gave Rs 11, which he happily accepted. We felt humbled and bowed down to touch his feet. Maybe this was a way that God answered my questions, that I should not generalise my opinion from one to all.

Sent by Neha Madan, Delhi

(Picture courtesy www.go2india.in. Image is a file pic) 

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Wellness

5 exercises for excellent calf muscles

Ditch your power walks and zumba classes that exhaust you – do these five exercises for the most shapely calves ever.
by Beverley Lewis

You don’t need to spend hours at the gym trying to work on your calf muscles. You simply need to spend about 15 minutes exercising this muscle, three times a week to get shapely calves.

So without further ado, here are our top 5 calf workouts.

Double leg calf raiseThe double-leg calf raise. This particular exercise uses one’s body weight to strengthen and tone the gastrocnemius and soleus muscles or calf muscles.

Begin by standing next to a wall. This is to help you with balance.

Now place your feet hip-width apart. Next, press down onto the balls of both feet and raise your body upward, making sure that your abdominal muscles are pulled in tightly. Hold this position for a few seconds and then go back to the starting position. Do 3 sets of 12 repetitions each.

When you get fitter you can add different variations such as using a stepper and holding a dumbbell between your hands while performing this exercise.

Single-leg calf raises. Stand on one leg near a wall for balance with the other leg bent behind. Now, position your toes and the balls of your feet on an elevation like a stepper or a stair, making sure that your heels and arches are off the stepper or stair.

In order to balance yourself, place your hands on the wall. Lift one leg and place it against the leg which is on the stepper or stair.

Now begin raising your leg up and down. This particular exercise works the calf muscles. Do 15 repetitions and then switch legs.

Seated calf-raise. The seated calf raise exercise places emphasis on the soleus muscle, which consists of slow twitch muscle fibres. Begin by sitting on a boxSeated calf raise or a bench, making sure your feet are flat on the floor.

Now, flex your calves as high as possible before returning back to the starting position. Make sure to squeeze your calves at the peak extension of the movement, making sure that you perform this movement slowly, before returning to the starting position.

Walking and hiking. These are excellent calf-strengthening exercises, especially if you go uphill. Remember, the steeper the climb, the more strain on your calf muscles.

Swimming. This is another great exercise to get toned and shapely calves. This is because swimming works the calf muscles along with the rest of the legs muscles. Also, because it is low-impact, it’s a safe way to strengthen calf muscles, especially if you are overweight or are recovering from an injury.

Need more help? Watch this: 

(Pictures courtesy blitarweb.biz.id, www.fitstudio.com, terrafirmaadventures.com. Images are representational in nature)

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Wellness

Getting into the spirit of Ramadan

A Muslim explains the essence of Ramadan, why fasting purifies the body and soul – and how fasting helps us.
Abbas Gadhiaby Abbas Gadhia

The month of Ramadan is here again. Muslims all over the world celebrate its arrival by fasting from dawn to dusk in anticipation of purifying their bodies, minds and souls of filth and dirt. It is a sacred month dedicated to prayer, supplication, repentance, sacrifice, self-purification and spiritual wayfaring.

Fasting is not merely a Muslim ritual. Hinduism emphasises on fasting or Upavaas, which means to ‘stay near’ to God. Similarly, the greatest leaders of many religions fasted before they attained spiritual highs. In Jainism, it is learnt that Mahavira fasted before attaining Nirvana. In Buddhism, it is said that Buddha fasted before attaining enlightment. In Judaism, Moses or Prophet Musa fasted before he attained prophethood. In Christianity, the fasting of Jesus or Prophet Isa for 40 days established the practice of Lent. Finally, it was during the month of Ramadan that the Prophet Muhammad received his revelation while meditating during the ‘Night of Power’.

So, what has fasting or abstinence from food got to do with ideas such as purification, spiritual enlightment? Why is it that the phenomenon of fasting is so pervasive amongst so many cultures and religions?

What does fasting achieve?

Fasting is a form of liberation and freedom. The freedom from the slavery of sensory impulses such as food, drink and physical desires. The term for Muslim fasting or ‘Sawm’ also means making one’s self free. Although we might be pre-occupied with the idea of freedom, our daily lives are a reflection of self-indulgence and bondage to our selfish needs.

So what is the month of Ramadan? It represents a kind of self-discipline one needs to undertake to drive a positive change in his or herself. It represents the awareness of God and a hightened focus towards Him that one would attain when one is not preoccupied with mundane routines of food and drink and other sensory pleasures. By practicing self-discipline, one can control one’s desires, be strict with one’s self and and witness the spirit of sacrifice. Hunger and thirst, simply in obedience to a Divine order, does wonders in measuring the faith man has in God and helps him strenghthen it by putting it to a difficult test.

What Ramadan is about

One of the goals of the month of Ramadan is to develop an active awareness of God and a feeling of humility and thankfulness to Him. A simple example of this kind of active awareness would be one’s awareness of traffic on the road while driving a car while being constantly on the alert. However, a passive awareness would be like one’s awareness of the air around him, which is only realised occasionally and not thought of often. Training oneself for achieving this active awareness of God is perhaps one of the most important keys in attaining spirituality and the absence of distractions of food and drink help in such an exercise.

In the Quran, verse 2:182 says,

“O you who believe, fasting has been prescribed upon you as it has been prescribed upon those before you, so that you may attain God-Consciousness.”

Finally, here’s what the Prophet Muhammad himself says about some of the benefits of fasting in the month of Ramadan

“This is a month in which He (God) has invited you. You have been, in this month, selected as the recipients of the honors of Allah, the Merciful.”

In another narration, he is said to have said:

“Whosoever observes fasting during Holy month of Ramadhan while maintaining silence and preventing his ears, eyes, tongue, sexual organs, and other body parts from lying, backbiting, and other forbidden acts, with the intention of achieving God’s Nearness, God-Almighty will bestow upon him His nearness, so that he will become a companion of Prophet Abraham (a.s.), God’s chosen friend.”

And in another narration, he is said to have said,

 “Whoever fasts the month of Ramadan, obeying all of its limitations and guarding himself against what is forbidden, has in fact atoned for any sins he committed before it.”

So, indeed a true joyful Eid, which is a celebration of the Muslims’ successful fasting season, is felt by those who have attained the mercy and the forgiveness of God. A successful Eid is not the new found freedom to eat and drink again, but it is a celebration of gaining a heightened proximity with God.

Abbas Gadhia is a software developer who lives in Pune. His interests lie in spirituality, alternative medicine and software.

(Picture courtesy www.news1130.com. Image used for representational purpose only)

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Deal with it

Hurrah for separate Investigation Units in police stations

Praja Foundation reviews the implications of the new order which stipulates that all police stations will have one Investiation Unit.
by Praja Foundation, Mumbai

Congratulations to Mr Sanjeev Dayal, Maharashtra’s Director General of Police for the long awaited announcement to separate Investigation Units (IUs) from law and order police. The Standing Order No. 24 of 2015, which follows the Supreme Court directive, means that IU officers and constables will not be assigned to duties under any other category of investigation and will be exempt from extraction for law and order duties as well.

The order stipulates that all the police stations and district police will have at least one IU; numbers will increase depending on the average number of serious cases registered over three years. According to Dayal’s order, which will come into effect on July 1, 2015, each IU will investigate a maximum 15 cases a year. According to the Director General’s order officers in charge of the investigation wing will supervise the investigating as well as pairavi units, who follow up on the cases being tried in court. The order also mentions that that women police officers and constables will aid IUs. There is a stipulation that Mumbai needs 691 personnel for investigation, pairavi and women units; and these will be chosen from already existing personnel in the police force. There are also provisions for a fixed tenure for IUs with fully equipped legal, forensic, scientific and technological resources.

Praja has been consistently taking up the issue of separation of investigation and law and order personnel in its White Papers on the issue Law and Order and Policing in Mumbai. According to Nitai Mehta, Managing Trustee, Praja Foundation, “One of the urgent steps to address the issue of lack of IUs has been laid out by the Supreme Court directives on Police Reform in the Prakash Singh case of 2006, i.e. the separation of investigation from law and order. According to experts, this does not even require a legislative intervention. Even the office of the Police Commissioner or the Home Minister of the State has the power to introduce this much-needed change in the policing policy of the city, and perhaps the state as well.”

The gap between sanctioned and available IOs (Investigating Officers) needs to be bridged; a total of 4,301 IOs are sanctioned, but only 2,904 are working, a gap of 32 per cent! Although this gap has reduced from 50 per cent in 2013; total of 1,397 officers are still needed to bridge the gap completely. Due to this gap, investigations have not been conducted in an organised manner. Mhaske contends, “A study of acquitted cases shows that the chief reason for acquittal has been ‘lack of evidence’. This, in turn, showcases the performance of the IO, the public prosecutor and the lack of coordination between the two.”

Praja’s crime White Papers also present some startling data regarding conviction rates in criminal cases. Milind Mhaske, Project Director, Praja Foundation says, “Conviction rates in Class II serious offences (cases involving bodily harm, murder, rape, grievous hurt, kidnapping, abduction etc.) has been an abysmal 8 per cent in 2013 – 92 per cent of those charge-sheeted have got away scot-free! Overall, the conviction rate remains at a low 22 per cent”. To maintain law and order in the city, it is imperative that these figures rise.

Low conviction rates lead to thriving crime and, consequently, an unsafe city. These figures highlight the lack of IOs in the city. Mehta says, “Understaffing and multiplicity of tasks in the Mumbai Police Force is compromising investigation and there by leading to low conviction rates. A fully manned force will mean that the officers handling criminal cases will focus solely on these investigations, rather than being called on to man roadblocks and performing bandobast duties. Consequently, cases that make their way to the courts will be watertight and there will be an assurance that the guilty will be convicted”.

(Picture courtesy www.mahapolice.gov.in. Image is used for representational purpose only)

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