Why to pick luxury floors as homes over semi furnished floors

Choosing or constructing your own home in any place involves a lot of though process, labour, money and time management making it a very demanding exercise. There are a number of considerations which need to be taken into account when picking your home. The choices are so vast and varied that it can be a very confusing issue.

The concept of a Home has changed drastically over the last few centuries. Ever since times immortal owning a house was a dream for any person who had started out in life with a new family. Initially home or a house was considered to be simply four walls and a roof. With the changing times as life developed more and more comfort factors kept coming in. As science and life progressed the body became used to the idea of using science and technology to make their life more comfortable.

In the twentieth century science and technology has advanced to a stage where every persons dream home has become as advanced and elaborate as their own dreams are. We are living in an age where our dreams have become bigger and more expensive. Most of the people these days dream of a house where they have every modern facility at their disposal like air conditioning, washing machines, modular kitchens, modern bathrooms, refrigerators, ovens and cooking ranges, lifts, fans, fancy fittings etc so as not only to have the use of these comforts but also to be considered by others to be living in the upper strata of society or the so called rich and mighty.

Building such a house in modern times has become more and more expensive. The reason for this is the basic cost of land having gone up phenomenally. That is why there has been an increase in the multi storey projects and the concept has gained more popularity.

The Luxury floors also fall in this category of multi storey concept. The land cost is divided iamongst he number of floors one builds which means a tremendous saving of cost. This makes your task easier of building an independent house where you can include all the facilities for living a luxurious life at a fraction of the cost it would take you if you had to purchase your own land and build a luxury house of your dreams.

A luxury floor is a more complete option for your own luxury house. A builder purchases a piece of land and just like a large construction company builds a multi storey house. Each an independent unit. Then he includes all the best facilties and gadgets he can purchase like air conditioners, fans , fancy lighting, modern modular kitchen, fancy sanitary ware, modern kitchen and living space gadgets like fans , geysers, cooking range, air purifiers , ovens, dish washers etc He completes the house as per his own choice and selection. Unfortunately not every person has a similar taste to you or to each other. So it can sometimes become challenging to pick an independent floor of your choice as per your own taste. However a luxury floor even then is a better choice than a semi furnished one as the purchase of items in bulk instead of one or two cuts down the costs too. It makes more sense to spend just some time on looking around at the various options for luxury floors available and pick one of your choice and then just shift in with your bag and baggage. Settle down and then just start out on a new life.

Upstox vs Zerodha vs Groww: Compare them!!

Comparing brokers is very important while choosing your stockbroker. Upstox, Zerodha, and Groww are some of those stockbrokers that are always on the top of the list. Moreover, in this article, we have explained each of them in brief with a comparison. But first, you need to know some factors to make your decision better. There are several factors that you need to consider before choosing your stockbroker:

Brokerage
The most important factor for your consideration should be brokerage that is taken by the broker. Moreover, lower the better but never compromise with the quality. The brokerage should be compared as per the similar facilities provided. A proper analysis should be done rather than having an opportunity cost after the wrong decision.

App Interface
The user interface plays an important role in finding the right stockbroker. Additionally, a poor interface can create a lot of problems, and every second matter while trading. You cannot afford to even waste a second in trying to fix technical issues. So select a broker with the best app interface that makes your process faster and easier.

Purpose of investment
You should know the purpose of the investment you need a stockbroker for. Moreover, figure if it is for short-term or intraday, medium-term or long-term investors. Knowing the purpose will make you one step closer to the decision for the choice of the stockbroker.

What is Upstox?
Upstox is a trading platform that is offered by the RKSV which is a type of discount broker. It is a very popular platform that offers trading services at MCX, BSE, and MSE. Moreover, services like trading on commodity, equity, and currency derivatives. It is built on an Omnysis Nest Order Management system (OMS). Additionally, the customers can have its free app for smooth trading.

It provides low-cost brokering services that provide opportunities at amazing prices. In addition to that the trading account and Equity delivery are free of cost. Upstox is a safe, trusted, and legit broker that is based in Mumbai.

What is Zerodha?
Zerodha is a Broking platform that is the top broker in India. The most attractive part of using Zerodha is its low charges and accurate services. Moreover, it is a financial services company in India that is a member of NSE, MCX, and BSE. Furthermore, it was founded back in the year 2010 and since then it has been a helpful broker. It is a discount broker that provides online trading services to its customers that are of satisfactory levels. Moreover, it uses the best technology to serve its clients.

What is Groww?
Like Upstox and Zerodha, Groww is also an India-based platform for online Investment. In addition to that Groww allows its customers to open an e-account for transacting in stocks and mutual funds. Investing in mutual funds is very safe and easy on Groww. All the personal and sensitive information is encrypted to protect your privacy. Moreover, every transaction by Groww is done via BSE from and to AMC.

Comparison between Upstox, Zerodha, and Groww
Here is a detailed comparison of Upstox vs Zerodha vs Groww that will help you for better decision and analysis.

Head points

Groww

Upstox

Zerodha

Account Opening Charges:

The one-time charge for an Opening trading account and Demat account.

It is Rs. 0 on Groww. (Limited Period Offer of Rs. 200)

Rs. 0

For trades in F&O, Currency and Equity: Rs. 200 and Rs. 300 if any commodity added

Account maintenance Charges (AMC):

Charged to manage your account

Rs. 75 plus GST that is charged quarterly. (Rs. 300 per Year)

Rs. 150 per year plus GST

Equity Delivery:

Rs. 0

Equity Intraday:

0.03% or Rs.20 per executed order, whichever is less

Transaction Charges:

Charged by the stock exchange for trading

0.00325% by NSE and 0.003% by BSE for every order (both buy and sell)

0.00325% by NSE for both buy and sell, BSE charges vary according to the scrip group

It is the same for delivery and intraday.

NSE: 0.00325%

BSE: 0.003%

Brokerage:

Charged by the broker in order to execute the order (both buy and sell)

Equity Delivery:

Rs. 0

Equity Intraday: 0.05% of the turnover, (maximum Rs. 20) per order executed.

Equity Delivery:

Rs. 0

Equity Intraday: 0.05% or Rs. 20 per executed order whichever is less

Equity Delivery:

Rs. 0

Equity Intraday:

0.03% or Rs.20 per executed order, whichever is less

Commodities/ Securities Transaction Tax:

It is charged by the government when you transact over the exchange

Equity Delivery:

0.1% of the order amount

Equity Intraday:

0.025% of the order amount

Delivery:

0.1% on buy and sell

Intraday:

0.025% on sell only

Delivery:

0.1% on buy and sell

Intraday:

0.025% on sell only

Payment Gateway Charges:

Charged to deposit money

Rs. 0

None

Rs. 9 Plus GST

Stamp Duty:

Charged by the government for contract note as stamp duty

Different for each state, the Maximum is 0.018%

0.015% on the buy

0.015% on buy or Rs.1500 per crore on buy

Depository Participant Charges:

Charged by the Depository participants for debiting the stock from Demat account

Buy Order:

No Charges

Sell Order:

Rs. 8 + Rs. 5.50+ GST per ISIN per day on the Groww platform irrespective of the quantity sold.

Delivery: Rs. Rs. 18.5/ scrip per day that is only on sell.

Intraday:

No Charges

Rs. 13.5 + GST per scrip is debited on that day from the trading account when sell take place.

GST

18% whenever applicable

18% (on transaction + demat charges + brokerage)

18% (on transaction charges + brokerage)

Clearing Charges

Zero

None

0.0002% on turnover

Conclusion
We have discussed some factors like purpose of investment, brokerage, app interface, etc that can help you for a better selection of stockbroker. All three (that is Upstox, Zerodha, and Groww) stockbrokers were explained in brief that will give a clear idea about the background. Moreover, the comparison table that is provided almost covers every point for comparison. Now choose the stockbroker that suits best according to your requirements and with the best features.

How to Prepare for CLAT PG

CLAT PG is an educational entrance exam that stands for Common-Law Admission Test for Postgraduate that is conducted in India in a centralized form. Moreover, it helps the candidates to get admission or entry in numerous PG courses that are offered in 21 National Law Universities in India for the course of LLM. Additionally, the CLAT exam was conducted online in 2020 and the level of difficulty was moderate.

Latest Updates
January 6, 2021: The examination for CLAT-PG 2021 was postponed and rescheduled to June 13, 2021. Moreover, this postponement was due to a clash of CLAT and CBSE Board Exams.
January 1, 2021: The application form for CLAT PG was released on January 1, 2021. Students can enroll for examination still March 31, 2021.
What is the Pattern for CLAT PG?
The CLAT-PG 2021 Exam consists of 150 marks objective questions. You should always go through the exam pattern before appearing and preparing for CLAT-PG. Additional information about the exam is given in the table below:

Total Marks

150

Duration of Examination

2 hours

Mode of Examination

Online

Type of Questions

MCQ

Marking Scheme

Positive 1 mark for each correct answer,

Negative 0.25 mark for every wrong answer.

Marks Distribution Table
Subject Areas

Marks

MCQs

100

Subjective Questions (There will be 2 Essay type questions each of 25 marks and you have to write 800 words per Essay type question)

50 (2 questions each of 25 marks. 2 x 25=50 marks)

Preparation Tips for CLAT-PG
If you are a CLAT-PG aspirant you might be tensed about the upcoming June 2021 Examination. Now, to know some of the amazing tips for preparing for CLAT-PG you got to the right page. Moreover, it is a test of critical reading with analytical skills that might not require prior knowledge but severe dedication. If you apply a great amount of hard work in the right direction you can crack the CLAT-PG examination. Here are some tips that you should consider for better learning:

Check previous year’s CLAT question Paper: As there was a change in the pattern of paper you should just go through the last year’s paper as others won’t benefit you much. Moreover, you should try and solve the paper in order to know where you stand and how much effort you need to put into the preparation. Furthermore, you should analyze your mistakes by knowing your paper performance to know your position. In addition to that, you can also know what are your strengths in all subjects and weaknesses. You can work on your weaknesses in order to earn perfection and turn your weakness into a strength.
Focus more on the CLAT important topics: If we be realistic, our first focus should be to cover all the important topics of CLAT. The skills of reading and analytics are developed in the long period of education in colleges and schools. If you just got the last one or two months before the commencement of examination that’s nothing really you could do if you have not even started. You can never cover the whole syllabus in just two months or so. You need regular practice and learning for better understanding.
Start reading newspapers and other knowledge sources: You should start reading newspapers and informative articles as a good habit. Also, that will help for clearing the CLAT PG as it is the most important part of the preparation. Moreover, you need to read a good newspaper in English every day to polish your knowledge.
Go through the exam pattern and the syllabus: If you want to understand what the CLAT examination exactly is you should go through the paper pattern and syllabus quickly. Moreover, it will help you to understand some important parts like test structure, types of questions that can be asked, and marking scheme. No matter how well you are prepared for the examination you should always know these patterns and syllabus.
Pace up the preparation: Now you have a small period left before appearing for the examination and you need to speed up the preparation in order to be well versed till the exam day. Moreover, try to read for more than 10 hours in order to get back into the competition if you are left with a lot of portion before a month of exam. In addition to that, you need to go through fast and not stop for a long period on a single topic. On contrary, you need to spend a lot of time on important topics/sections like General Knowledge, current affairs, and legal aptitude.
Solve mock tests and sample papers: If you genuinely want to know your performance give mocks as it is the best study material you can have. A practice-based approach is way better than just mugging up the whole book. A practice-based approach will surely boost your confidence if you do well you will be happy with how far you’ve reached. But if you don’t score well in mocks it does not mean the end you can still put a lot of effort into the preparation till the exam day.
Believe in yourself & Be confident but not overconfident: A competitive exam like CLAT-PG can often make you doubt yourself but all you got to do is believe in yourself. Have faith in your efforts and be confident enough to answer even the hardest question. But if you see some easy questions don’t be overconfident be calm and solve with full attention and focus.

Conclusion
To sum it up we would like to summarize the whole article in a way you can understand seamlessly. Firstly, know the paper pattern and syllabus which will help you to know the important topics. Give extra focus to important topics and give mocks. Read daily, pace up with the preparation and try to be calm and confident while giving the exam. In the end, remember a great saying by Christopher Robin – “Always remember you are braver than you believe, stronger than you seem, and smarter than you think.”