This is the story of my dear friend Payal:
Nilesh and Payal
Engagement : 21st January 2006
Happily Wedded Couple - Nilesh and Payal
Wedding: 7th April 2007
Today Payal gave birth to a beautiful baby boy at around 9.00 A.M in Nadi. I can't wait to see the baby :)... I'm soo excited!...
Friday, June 27, 2008
Wednesday, June 25, 2008
Contractor - House
Finally decided on the Contractor who will build the house. Design & Builders - quite good company and very professional. Initial meeting went really well. Prior to arranging a meeting my parents had requested to see some works-in-progress and completed works. Only after being satisfied by the visual references they arranged for a meeting...
The first meeting took place yesterday. Things discussed were:
the house plans,
a few changes to the house plans,
finishing,
payment terms and conditions
Legal agreement
As I said...
Finance- House
After alot of discussions and research (regarding loans) we finally came to some good conclusions. I'm getting partial loan from bank and partial from my Parents and the remainder from my savings. Obviously all three are considered loans and have different interest rates attached to it... And I have a time frame of repaying all of them...
I had tried a number of scenarios and this is by far the best...
...
Tuesday, June 24, 2008
First Photos
Finally took some pictures... Quite happy with the results!!!
Marcus: "Take my picture... take my picture"
Whisky and Bruno
Whisky: "Hey... I've finally settled down on my comfy quilt... it matches my coat so make sure to take my picture properly!!!"
Bruno: " What are you talking about Whisky... ? Can't you see that she's focussing on me!!!"
Buzo: " I don't have to pose.... I'm cute even when lying down!!...
Thursday, June 19, 2008
Healing or Killing?
Seems to be out of Dragonlance - especially to do with Raistlin Majere and Crysania.... (The Legends - Trilogy)...
Joke :)
The Stranded Irishman
One day an Irishman, who had been stranded on a deserted island for over 10 years, saw a speck on the horizon. He thought to himself, 'It's certainly not a ship.' As the speck got closer and closer, he began to rule out even the possibilities of a small boat or a raft. Suddenly there strode from the surf a figure in a black wet suit. Putting aside the scuba tanks and mask and zipping down the top of the wet suit stood a drop-dead gorgeous blonde! She walked up to the stunned Irishman and said to him, 'Tell...
House
Getting Finance for Home Construction
I have been asking around (banks especially) on their home loans. The response I'm getting is not very good. Everyone is ready to give loans but gosh if you look at the package in detail its like you are being ripped off!!
Here is one example of what I mean (I have used a figure to illustrate my bewilderment) :
Loan Amount: $80k
Term Period: 25 years
Repayment : $750 - $800 per month
In this case by just using simple maths: after 25 years the amount...
Wednesday, June 18, 2008
Tuesday, June 17, 2008
Friday, June 13, 2008
Strategies for Surviving Hard Times
Rule 1
Don't Buy What You Can't Afford
Rule 2
If You Can't Pay Cash, You Probably Can't Afford It
Rule 3
Paying Interest on Anything Makes Somebody Else Rich
Rule 4
If You Are in Debt, stop Spending Money
Rule 5
Don't Count on Somebody Else to Save You...
Thursday, June 12, 2008
Crabby Old Man
When an old man died in the geriatric ward of a small hospital near Tampa, Florida, it was believed that he had nothing left of any value. Later, when the nurses were going through his meager possessions, they found this poem. Its quality and content so impressed the staff that copies were made and distributed to every nurse in the hospital.
CRABBY OLD MAN
What do you see nurses? .....What do you see?What are you thinking......when you're looking at me?
A crabby old man, not very wise,
Uncertain of habit ......with faraway...
Wednesday, June 11, 2008
Tuesday, June 10, 2008
32nd Wedding Anniversary - Part 1
10TH June 200832 years ago, on this same calendar day, my parents were legally married. In Fiji we generally have two types of marriages. First one is the registered marriage – marriage recognized by lawSecond one is the traditional marriage – recognized by religion and traditional society. And this cannot happen without producing a marriage certificate!! The priests / pundits insist upon sighting it.
I wish them many more years of happily wedded bliss!...
Lists
Of late I have started making a list of everything that I have to do. * Budget list, * Shopping List – Grocery, Misc., Clothes, * To Do ListTill recently my family only knew about the shopping list and only found out about my To -Do List on Sunday morning. I had never thought that they would be interested in it. But before I could go into any lengthy explanation I was told of things that needed to go into my list – things that I had been postponing. And to top it all my Dad kept reminding me to do the things that I had listed...
Monday, June 09, 2008
David's Update
My brother just returned yesterday to Zlin from a three country tour. Zlin to Austria, Cyprus and Slovakia and back to base - Zlin. This was a professional (work related) trip. I got photos from Cyprus - ah!!! beautiful country... I've been drooling ever since I saw the photos.... :) They are breathtaking.
And guess what I found amongst the pictures of Cyprus...???
Exactly!!! Even in the Mediterranean they have a Fiji-an Restaurant....
Beautific...
Sunday, June 08, 2008
Tips for Credit Card Holders
Here's the secret. This is a strategy constantly advocated by financial advisers: Pay off credit cards expeditiously and entirely each month. Never go beyond the interest-free 30-day grace period. Then you will be taking what the card company executives sneeringly refer to as a "free ride" - you get to use their money without paying them anything for the privilege.
...
Saturday, June 07, 2008
Bosses!!!
An interesting Forward!!!
When I take a long time to finish,
I am slow.
When my boss takes a long time,
He is thorough.
When I don’t do it,
I am lazy.
When my boss doesn't do it,
He is busy.
When I do something without being told,
I am trying to be smart.
When my boss does the same,
He takes the initiative.
When I please my boss,
I am apple polishing.
When my boss pleases his boss,
He is cooperating.
When I make a mistake,
I'm an idiot.
When my boss makes a mistake,
He’s only human.
When I am out of the...
Friday, June 06, 2008
10 Rules to Stay Young
Received it in the mail...
1. Throw out nonessential numbers. This includes age, weight and height. Let the doctors worry about them. That is why you pay "them!"
2. Keep only cheerful friends. The grouches pull you down.
3. Keep learning. Learn more about the computer, crafts, gardening, whatever. Never let the brain idle.
"An idle mind is the devil's workshop." And the devil's name is Alzheimer's.
4. Enjoy the simple things.
5. Laugh often, long and loud. Laugh until you gasp for breath.
...
PMS
13 Things PMS Stands For:
--------------------------------------------------------------------------------
1. Pass My Shotgun
2. Psychotic Mood Shift
3. Perpetual Munching Spree
4. Puffy Mid-Section
5. People Make me Sick
6. Provide Me with Sweets
7. Pardon My Sobbing
8. Pimples May Surface
9. Pass My Sweat pants
10. Pissy Mood Syndrome
11. Plainly; Men ****
12. Pack My Stuff
And My Favorite One.
13. Potential Murder Suspe...
Quote of the Day
Life isn't worth living... unless its lived for someone else - Albert Einstein...
Thursday, June 05, 2008
Experiences!!!
I wanted to become a Doctor as in Doctor with an MBBS degree but I studied Chemical Engineering. Worked for a Chemical company in Research and Development, then started as a Process Engineer in the Cement Industry... became a Plant Engineer before moving on to Bottling Industry dealing with Water. Currently am working as a Projects Engineer in Bottling Industry focusing on Construction!!!!
What a life :)... Good diverse experiences!...
Wednesday, June 04, 2008
Main Aim - 2008
One of my Goals, towards which I am working really hard, is: A House
I have decided that this year either I'll build or will buy a House.
I bought some land in 2006 in partnership with my brother. Here are the steps involved in buying land in Fiji.
Find a suitable land to purchase
Put a deposit of 20% if one doesn't have 100% payment.
Sign alot of papers
Legal Papers
Contract
Mortgage Papers
Medical Reports - have to get it from Doctors
Full credit report
Start payments on
If investment is substantial have to have a Will....
Word of Advice
If the path is beautiful ask where it leads… But if the destination is beautiful don’t ask how the path is…A beautiful saying from a great friend....
Tuesday, June 03, 2008
Beautiful Story
A little boy wanted to meet God. He knew it was a long trip to where God lived, so he packed his suitcase with a bag of potato chips and a six-pack of root beer and started his journey.
When he had gone about three blocks, he met an old woman. She was sitting in the park, just staring at some pigeons. The boy sat down next to her and opened his suitcase. He was about to take a drink from his root beer when he noticed that the old lady looked hungry, so he offered her some chips.
She gratefully accepted it and smiled at him....
Monday, June 02, 2008
Weekend Update
Main event of the long weekend - Dad got injured!!!
Friday was a public holiday here in Fiji - Ratu Sir Lala Sukuna Day... Unlike other people my family is not too keen on remaining aimless for even a day. Hence unlike others we were awake at the crack of dawn - 5 A.M. armed to do as much as possible in one day!!! So after doing all the housework we ventured outdoors. Our current home has a very big yard with lots of trees in it. We have 3-4 varieties of mango trees, lime tree, lemon tree, orange tree (2-3 varieties) and...
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