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OSLO, Norway
I am a common person who wants to contribute to the development of society ...

Tenancy deposit protection is needed in India too

Most of the western countries provide legal requirement for a landlord to have Tenancy deposit protection agreement before he is renting any property..
This saves both landlord and tenant in case of disagreements and protect the property for landlord.How it works :
1. Before renting the property, Landlord and tenant both goes to bank and open a join rental account in bank which is jointly owned by landlord and tenant.
2. Rental agreement is documentary proof for this account.It says as well that When tenancy ends, deposit amount will be be returned to tenant's bank account automatically.
3. Tenant deposit the deposit money in this account from his/her bank.Tenant is also entitled for interest on the deposited money. 
4. Every month tenant deposit rent in landlord's account (NOT in rental account).
5. When tenancy ends both parties inform the bank and deposit are then released directly into the tenant’s bank account.Simple !

As of Now Indian banks do not provide such 'rental accounts ; instead in India we have following :

- lease agreements with a minimum of 12 months     
- lease and license agreements of up to 11 months  (Preferred)

My Kashmir Trip....Unforgettable experience

Agar zameen pe kahi jannat hai to yahi haiyahi hai, yahin hai.....emperor JAHANGIR used these words to describe his feelings about Kashmir. I myself had the same feelings when I visited Kashmir for 5 days with my father from 30th August to 3rd September.Before I go further let me share my itinerary : 

Preparation :
- Booked air tickets via they don't accept foreign cards)

- Booked the houseboat Young Bombay via 

Day1 : Boarded Indigo morning flight from Delhi and arrived at Sheikh-ul-Aalam airport,Srinagar. Well received by the  houseboat owner mr. Noor mohammad and directly driven to gate no. 9,Dal lake. There Mr. mohammad dropped the luggage and himself and asked us to continue for local sight seeing trip.He took our luggage to houseboat.We saw the 
- Sankrasharya mandir ( Lord Shiva mandir , 300 mt above sea level )
- Pari Mahal ( laid out by Dara Shiko)
- Shalimar Gardens( laid out by Jehangir )
- Nishat Bagh 
- Chashma Shah ( laid out by Shah Jehan)

and finished the day by evening tea at Zabarvan park(where we saw the hot air balloon) and live kashmiri music. Music was so enchanting that it captivated our heart for the whole life.
In evening taxi dropped us at the gate no. 9 , from there we took free shikara service to go to our houseboat -Young Bombay. At the houseboat we were formally welcomed by the house boat owner and his son and staff of houseboat.We tasted welcome drink- Kahwa(first time in life) and had general chit-chat about kashmir and houseboat life.
We ordered the Non-veg dinner and took some rest in the meantime in our room. Room was well maintained. Cleanness of bathroom took our attention as well.Bathroom had warm water facility,towels,toilet paper etc 
After Dinner we stayed on outside terrace for a while to enjoy the night at dal lake. In the meantime we saw a barbecue shikara coming to our houseboat. Though we were full but just for taste, we ordered mutton and chicken kababs, It was delicious and unique experience in itself and stylist way to say - Good Night.
Day2 : In Morning , we had light breakfast-milk,omlate,toasts and poha( which was part of our houseboat package) and started for the Pahalgaon with our Taxi. On the way we saw Saffron fields and Avantipur Bat factory. I stopped at one point and enjoyed the white water rafting in Lidder river. Once w e reached the Pahalgam, we had to drop our taxi there and took another taxi for Betab valley and Aru Valley trip.

Day3 : After breakfast we again departed for full day excursion to the Sonmarg via Leh road Journey was beautiful as we enjoyed dense woodlands of firs and silver birches. Same as other parts our Taxi was allowed/(kindly forced) to drop at main Sonamarg and  from there onwards we had 3 options :
- Walk up to Thajiwass 
- Hire another taxi for 2-3 local places
- Hire ponies
I could have taken ponies but as my dad was bit reluctant to try it so we hired the taxi again. Here I want to say that local taxi guys have a syndicate and always try to exploit the tourists.Government rates are so different then waht they charge for.We hired the taxi in 3000 INR for 2-3 places( places were located in area of 15-km). 
Thajiwass Glacier is the biggest attraction ( for somebody who has not seen it earlier) but fact is thatreal glacier is too far to go by taxis or ponies( forget walking to it) so these guys just fool you around.

Day4 : Gulmarg trip
Day5 : Local sightseeing and shopping

Collaboration can make one successful..

Father : Auto-rikshaw driver
Father's Income : 15000 INR / month
House : 300 sq. ft
Name : Prema Jayakumar(age 24 )
Achievement :Topper in CA exam conducted by the institute of Chartered Accountants of India,2012.

Some key statements :
  • "..We always studied together as that helped us to discuss our problems with each other. My sister is my inspiration and it is she who helped me to clear the exam. Our neighbors were very supportive and maintained peace when we studied...”
  •  “My parents earned well as they both use to work...."
  •  "... My parents didn’t study beyond school, so they are very proud that both their children have opted for higher education.”
  •   “..Fees were never an issue in school or college. In my school days I used to get a scholarship, and the college fees were nominal...."
  •  “..The day I start working, I will ensure that my father can rest at home. He has always toiled for my welfare...”
Sum : Collaboration can be very crucial in competitive exams as it can inspire and guide us towards excellence.