Friday 22 November 2013

Creative Stickers For Your Walls !!

One of the best ways to infuse your home with warmth and style is by adding creative wall art. Wall art is an increasingly popular home decor trend that has grown in demand recently. A few years back, the most one could do with their walls was hang a few paintings or framed family photograph. But today there are a host of options available in the market
Wall Stickers or Decals
Wall art stickers or decals as they are popularly known are a fun way to transform a wall and brighten your room without a lot of work. They are also easy to install and remove. You can even use steam and water resistant decals in your kitchens and bathrooms. From classy sophisticated design to eclectic prints and even kids themed decals, there are a variety of colours
and designs to choose from.
Designer Wallpapers
Using Wallpaper is a great way to add style to your room. Today the markets are flooded with a variety of options from funky designs, subtle elegant textures or bright statement patters. The most popular way to use wallpaper is to highlight one accent wall and paint the remaining walls in a coordinating color. It is also important that only a professional install the wall paper. This is ensure that it is properly installed and has a long life.
Wall Tapestries
If you want a add a cool bohemian look to your room, you can consider adding hanging rugs and tapestries on your walls. This is a great way to add a focal point to your room or a back piece to a furniture – like your bed or dining table. There are many places that sell wall tapestries these days or you can simply buy a regular rug and hang it on the wall instead of the floor.
Wall Lettering
You can let your walls talk with wall lettering. Options available vary from , inspirational sayings, famous quotes, custom phrases, decorative quotations, personalized messages. You can choose from vinyl letters or wooden letters. These are perfect for a kids rooms as you can put up their names, inspirations poems etc.
Wall Panelling
Decorative 3D wall panels are another great way to bring a bland and boring wall to life. These carved pieces of artwork add a contemporary flair to modern interior design and are available in a variety of materials such as wood, ceramic, plastic and even leather.
So this festive season bid adieu to the bland and boring walls and bring your walls to life with trendy wall arts.

Wednesday 20 November 2013

Newly Wed ? Read This , May Be This Will Help You !!

Vastu tips for a newly wedded couples.
Vastu Purusha (also known as the ‘God of the land’) is believed to have a great influence on the prosperity and happiness in the family. Since time immemorial, people follow vastu sastra (vastu norms) to get-rid of negativity and unhappiness in families – whether it’s during the construction of the house or during the placement of furniture in the house or during setting up the room for the newly-wed.
The institution of marriage brings two people together and binds them with love and life-long companionship. Several rituals are conducted at the time of wedding and also when the bride comes to her in-laws place seeking blessings for a successful married life for the couple. Also, vastu shastra is strictly followed in houses for the newly-wed starting from deciding the direction of the bedroom to choosing the curtain colour and wall painting to make their married life peaceful and enjoyable.
Here are few vastu tips for the newly-wed for a successful marriage:
  1. The most important thing is to select the right direction for the bedroom of the newly married. The north of the North West direction is believed to be the most auspicious according to vastu shastra. The direction generates positive energy which strengthens the relationship between husband and wife.
  2. Colour of the room’s wall, bed-sheet is also another important factor. If the bedroom of the newly married is situated on the east, then white coloured bed-sheet and wall paint should be avoided, and pink and red colours should be avoided if the bedroom is situated on the north direction. Use of light pastel shades such as cream, light green and light blue in walls and curtains helps in fueling the spark between the newly-wed.
  3. Wife should sleep on the left side of her husband. It is considered to be auspicious and helps in keeping better understanding between the couple.
  4. Keep your room well-lit and well ventilated throughout the day; allow free-flow of fresh air to the house and to the bedroom.
  5. Avoid negativity, stress, dark and sad environment. Keep flowers in the house and inspiring quote wall hangings or few motivational books in the room.
  6. Avoid paintings or wall hangings that symbolize negativity such as death, depression or violence.
  7. It is believed that the reflection of the mirror should not fall onto the bed. Avoid keeping large mirrors in the bedroom. If the dressing table mirror is there, you can keep next to the bed where the mirror should not face the bed.
  8. Similarly, avoid keeping TV or computer in the bedroom as their screen reflects like mirror.
  9. To bring spark in your marital life, you can keep a pair of sculptor of love birds or white horses in the room. Or, you can keep your wedding photograph in the room to enhance companionship and trust between the couple. It also helps in highest level of intimacy.
  10. The use of wooden bed instead of metal bed should be encouraged for the newly-wed.

Friday 15 November 2013

Upcoming Real Estate Hubs In Pune : Hadapsar - Handewadi Corridor

The residential real estate market in Pune has seen tremendous growth in the last five to six years, with many pockets of the city standing out. This spurt in growth can be attributed to the rising demand experienced across various sectors like IT, manufacturing  and automotive industries in the city.
Price appreciation linked to infra development:
The Hadapsar-Handewadi corridor holds a lot of promise in terms of price appreciation. But for this to happen, a lot more needs to be done regarding infrastructure development in the area. One such pocket along this corridor is the IT belt along  Kharadi and Magarpatta, which holds immense potential. Besides, there are a number of engineering factories that have come up along Ranjangaon, Solhapur and Saswad road. These developmental activities across sectors has the potential to contribute greatly to the economic growth of the area.
Proximity to CBD is USP of area:
The prime USP of the area is its proximity to the old Central Business Districts (CBDs) of the city, with MG road being just about 6-7 km away. Besides, it is also well-connected to Nagar Road and the Solapur Road. What is unique about the area is that it is an end-user driven market, with an end-user to investor ratio of 80:20.
Lack of infra development hampers realty growth, prices:
The real estate development along the area is greatly hampered due to the lack of proper infrastructural developments along the Hadapsar-Handewadi corridor. Many of the infrastructure development activities that were done in the recent past has also not been of good quality. This has had an adverse impact on the price potential that the area holds. Hence it is imperative that the city administration takes the onus of improving the infrastructure along this corridor on a priority basis. This could result in considerable appreciation in realty prices in the area.
IT sector prime contributor to Realty growth:
The IT sector is the main contributor towards pushing up the demand for real estate in Pune. However, other sectors like services, insurance and automobile industries have also contributed well in recent times. There has been a  spurt of many small IT companies in the city in recent times. Besides, many larger IT companies have embarked on expansion drives due to which there have been many opportunities. As a result, many professionals from outside the city as well as a large number of NRIs have made their way to the city seeking lucrative professional engagements. This section of the population contributes to about 20% of the property demand in Pune.
Realty scenario along the corridor:
Currently there is a slump in the realty market along this corridor. This can be attributed to the lack of any major infrastructural facilities as well as to the poor quality of the existing infrastructure. The average sale price for residential apartments in Hadapsar is Rs. 5,150 per sq ft, with a depreciation of 7% in value compared to the last quarter. The average rental is Rs. 14 per sq ft.  The average sale price for residential apartments in Handewadi is Rs. 4,300 per sq ft, with an average rental of Rs.11 per sq ft. Considering that these values are considerably low compared to many other areas of the city, it is imperative that infrastructure development along this corridor is given top priority.
Balance in demand and supply with preference for luxury homes:
Considering that the realty sector in most cities across the country has been adversely affected due to the economic slowdown, there have been significant declines in capital values. However, Pune has seen considerably lower decline in capital values compared to most other major cities in the country. With revival in the realty sector expected in most cities, it is expected that capital values in Pune would grow by about 8%, annually. Moreover, it is appreciable to note that there has been an ideal balance of demand and supply in Pune. It is also notable that a major part of the supply in the residential sector is in the high-end segment, which indicates a clear preference towards luxury homes in the city.

Real estate investment: The safest option for banks

Over the years,real estatehas ranked itself in the list of ideal investment destinations for banks. As projects in various sectors have dropped the ball, banks have given a nod to funding commercial real estate developments, irrespective of the fact that demand is moving at a slow pace and inventory is piling up incessantly.
India, for instance, has witnessed more than 50 real estate projects out of 173 that felt the need for bank funding in the first half of 2013-14. Furthermore, in comparison to funds lent to other sectors, banks have been more lenient towards the realty sector.

According to analysts

Coming as it does in a down-trend economy, analysts have made a cautionary statement on the crisis persisting among realty developers. Developers need to take a note as real estate exposure of banks shoots up that may arise due to the crunch in market demand. In this case, the market risk is expected to be more. Although there have been numerous downgrade ratings in the sector, most of the projects are covered via lease rentals that minimizes the risk.
With a note of concern, real estate consultants and bankers confirm that RBI has taken measures to safeguard the funds lent to developers against rentals. In addition to it, the real estate sector offers the banks the lucrative option to earn higher returns in comparison to pharma or telecom.

World scenario

World real estate scenario has another story to tell. Market experts suggest that the value of housing will be endured and increased by urban planning and good design. It will also ensure adequate storehouse of value for home owners and lenders and prevent the setting up of slums.
Investment vehicles to manage and fund projects are generally not handy in developing markets. This seems to be the major problem for different real estate markets of the world. The reason for this is lack of government investment in urban planning in growing markets, lack of long-term capital and unwillingness to utilize tax policy to encourage investment.
The solution to this is simple-REIT (real estate investment trusts). REITs can stand as a helping hand for promoters to complete their undertaken projects. In addition to this, few other options that can be an aid to the realty sector include:

Wednesday 13 November 2013

 Yerwada   is a part of the fast growing residential neighbourhood of Band Garden . Areas like Mohanwadi,Yerwada ,Vimannagar , Kasturba Housing Society, Phule Nagar, Police Lines, Shanti Nagar, Tingre Nagar and Kalas, all lie within a radius of about 6 km from Dhanori.
Lohegaon, which lies about 4km from Dhanori, is home to Pune’s International Airport. The place is also well-known for its reputed educational institutions like Kendriya Vidyalaya, Sharad Pawar International School and other schools and colleges. Marathwada Mitra Mandal’s Institute of Technology, Symbiosis College and Dr. D. Y. Patil School of Engineering are some of the famous colleges located in and around Lohegaon.
Lying close to Lohegaon, home-buyers in Yerwada  are offered quality educational opportunities for their children, in addition to standard residential options.

Connectivity

Yerwada is well-connected to other parts of the city through road and rail. A number of PMPML buses operate to and fro, passing through Band Garden Road , which connect Yerwada to the nearby areas. Several roads run along the area and its neighbourhood. These include Dhanori-Lohegaon Road, Alandi Road and the Airport Road.
The Pune Railway station lies at a distance of less
than 6 km from Yerwada  and the Pune International Airport Area in Lohegaon, lies at a distance of about 4 km.

Residential projects

Yerwada  is witnessing a fast-paced development of the real estate sector, especially residential housing. The area has become a preferred residential choice for IT professionals who work in offices in and around Kalyani Nagar, Koregao Park and Viman Nagar, owing to factors like good connectivity and its proximity to the airport.
Though this is one of the most developed centralised location across Pune it's very hard to get a good home there because of land constraint , only one developer have their project there like Pushpganga Venture's is having Pooja Enclave featuring luxurious 2 BHK homes at Pratiknagar , Yerwada 

Size and price of apartments

The size of 2BHK apartments in Yerwada vary from 1000-1060 sq.ft, and the price ranges between 75  lacs to 1 cr onwards . 
Rental values of apartments vary from Rs.-10000 for a 1 BHK apartment and from Rs.12000-15000, for a 2BHK apartment, per month. 

Price Trends

At present, multi-storey apartments are sold at a rate of Rs. 7500/sq.ft., and the rental value of the same is about Rs. 15/sq.ft.
As per market reports, an appreciation of about 11% was witnessed in the sale price of multi-storey apartments in Yerwada , during the second quarter of 2013, when compared with the values of the same period in 2012.The sale price of multi-storey apartments was about Rs. 6800/sq.ft. in the second quarter of 2012,. the same rose to about Rs.7500/sq.ft. during the same period of 2013.

Tuesday 12 November 2013

Property Investment Is All Time Hit Globally

Following the global financial crisis that struck the US market around five years ago, real estate has started flourishing slowly.
The real estate market is considered to be an investors’ haven owing to its relatively high returns, compared to other investment options. Since some investments like the equities are at record high while some offer too little returns, investors are showing increasing interest in property market.

Safe investment

Though on a long-term, realty market offers safe and potential returns, owing to which it has become a global hit. However, short-term investors have various other investment options like stock market, government bonds, mutual funds, etc. Investing in real estate and gold are being considered as safe investment options and are becoming quite popular among many developed as well as developing countries.

Promises high returns

While many equity markets demand huge investments, some investment options like government bonds, bank deposits, etc. offer limited returns. But real estate does not necessarily demand very high investments.
If you cannot find a real estate property or project within your investment limit in one particular micro-market, then you can look at other micro-markets where he/she could find an appropriate option. Moreover, the market promises good returns on your investments, which makes it much more attractive.

Real estate as an alternative

Many smart investors usually prefer to invest in more than one option invest in more than one option at a time. There are many investors who regularly deal with investments like stocks and bonds, but keep one portion of their investments in real estate. Such investors need not have to hurry to resell the property when the market is low. They also tend to avoid many risk factors that are generally associated with other investors and remain successful on a long run as it helps in protecting against inflation.
Alternative investment option is a good method to follow for start-up investors. They can be stable and at the same time, they can get a feel of different markets. Do not get carried away merely by a hot trend or friendly suggestions of traders, but carefully monitor the potential of the market.
In some emerging markets, the legal rules and property rights are so efficiently set that they make it a secure place to invest in brick and mortar business. A private equity (PE) investor said that the last two quarters have recorded a big hike in the volume of US capital and Asian sovereign wealth funds. The PE firm has been getting rising number of enquiries showing interest by investors. The firm hopes that it will double the investments in around four years or so.

Property prices rising high

Real estate prices are soaring in several places, which also include non-traditional markets like Germany. In London, the month of October alone witnessed a 10 percent hike in property prices. Property prices in China are increasing at a rate which is the fastest in the last three years. As per the German Central Bank, many apartments in large cities may be over-priced by about 20 percent. Market experts warn that if regulators will not cool the overheating markets, then it is likely that a property bubble may get burst.
Falling wages due to economic slowdown are also likely to reflect on the sector’s growth.

Bond backed by rents

PE giant Blackstone came up with a $300 million asset-backed security which is the first bond backed by home-rental cash flows. The bond has been given a triple-A credit rating, which means it is deemed as safe or safer an investment than bonds issued by the United States itself.
Chris Taylor, chief investment officer at Hermes Real Estate
, said that though the demand will rise with the increase in profit, a property’s long-run fundamentals actually depend upon how the economy affects occupiers.

Rising fund flows

A mounting number of investments is being sinked in global property funds despite knowing the risks associated with it. As per Lipper’s global data, the property funds have increased by $29.8 billion to $452.6 billion, during the Jan-Sept period of 2013, marking a 7 percent rise. While Japan has recorded the biggest rise with $6.53 billion (22 percent hike), Europe that got $5.15 billion stands in the second place, followed by the United States ($4.87 billion) and Britain ($3.41 billion).
Although London property market looks overheated, it has to be noted that residential properties in its prime markets have been attracting rising interest from investors in Asia, the Middle East and Europe. This trend is likely to continue for some more time in the near future, say experts. While foreign investors are interested in investing in Britain, UK-based investors are looking at other nations to invest craving for better yields. Many investors have set a long-term strategy of investing a significant portion of their funds overseas, mainly in developed markets such as Australia, Europe, the United States, etc.

Monday 11 November 2013

Buying Properties in Pune To Become More Expensive

Buying houses in Pune will become a bit more expensive owing to the increase in stamp duty by the Maharashtra government. The state government has decided to increase the stamp duty by 1%. This means that the total stamp duty for buying a property will increase up to 7% in Pune.
The decision has naturally attracted dissent from the real estate developer community. Developers believe that this move by the government will further dampen the already dampened sentiments of buyers.
Property prices in Pune
Property prices in Pune have gone beyond the affordability levels in recent times and continue to grow every year. This is due to several reasons. One of the major reasons for increasing prices is Pune’s proximity to Mumbai, one of the most expensive cities in India. Excessive demand for properties in Pune by its neighbouring cities and areas has pushed the property prices up. Pune is situated just about 3 hours from Mumbai. The second reason is that Pune is a growing IT and manufacturing hub. The IT and manufacturing industries are offering huge employment opportunities, not only to locals but people from outside as well. The third main reason is the increase in construction costs.
Impact on property buying
Real estate developers in Pune have condemned the move by the government saying that increase in stamp duty prices will further impact the already dampened real estate market. While increasing stamp duty and other taxes is considered one of the simplest ways of increasing government revenue, developers believe that this move will directly impact the customer as they have to pay more for purchasing a property. This will further plummet property sales.
Developers were hopeful of sales picking up during the Diwali festival season, as the festival season is considered auspicious by customers to purchase a property. However, the decree from the government came during the festival season.
Many government policies have left a sour taste in the mouth of developers. India is currently ranked at 182 out of 185 in terms of ease of dealing with construction permits according to a World Bank report. The report states that it takes an average of close to 200 days to receive at least 34 permits for starting construction activity. Obtaining all approvals increases gestation period for a project by at least 2-3 years. By that time, land cost rises 20-30% due to hefty interest. This increases the overall property price. Even the Real Estate Regulatory Bill which is expected to be a game changer for the realty sector once implemented does not talk about construction-related approvals.
With the current government policies, the end customer may have to bear the brunt in terms of increased property costs for some more time.

Saturday 9 November 2013

Land Acquisition Bill: Developers Point Of View

After the clearance of the Food Security Bill, the Lok Sabha on 29th August 2013 gave its nod to adopt the Land Acquisition Bill. The ‘yes’ from the government may have brought some cheer to a select listed real estate companies that are already sitting on huge parcels of land, but have largely disappointed developers sitting on the other side. we finds out the rules of the ‘Bill’ and its impact on the developers who are not listed and do not have land parcels in their kitty.
Ammul Goel , MD, Pushpganga Ventures, Pune: “The Bill in the current form does not do justice to the government’s responsibility to carry all the stake holders together. This draft may be conveying the impression of welfare of farmers or land-owners at the surface but it is going to harm their prospects in future as industry and real estate sector will avoid investing in areas which has history of land acquisition disputes. The best way for the government will be to address concerns of industry as well, as it is highly tilted in favor of land-owners.”
“The Right to Fair Compensation and Transparency in Land Acquisition, Rehabilitation and Resettlement Bill, 2012″ lay down the approval limit of at least 70 per cent for acquiring land for Public Private Partnership (PPP) projects. Besides, developers will now have to get the consent of up to 80 per cent of people whose land is acquired for private projects.
The Bill also proposes compensation to those dependent on the land for livelihood, where acquired land is sold to a third party for a higher price. The 40 per cent of the appreciated land value (or profit) will be shared with the original owners. This would be exempt from tax and stamp duty.
Impact
“For developers, the cost of land is going to increase significantly, impacting their project costs and therefore margins. Land valuations are already high and by further increasing them, land acquisition becomes even more difficult. Anyone without an existing land bank will now be looking at vastly increased entry costs,’ says Mayank Saksena, MD- Land Services, Jones Lang LaSalle India.
Annuj Goel, Director, Goel Ganga Developments , says, “Acquiring land for industrial purposes from farmers was a hectic task. At least, the process would be less cumbersome now. However, he feels, “a stable move towards the land acquisition can sustain a clear balance on the operations of all developers, stakeholders, farmers and which in the long term can promote industrialization with inclusive growth is the need of the hour.”

Thursday 7 November 2013

Maintaining Apartment Gym & Clubhouse In Simple Ways

Maintaining apartment gymnasiums and club house becomes an aspect of utmost importance.
Most modern day townships and apartment complexes are judged by the kind of civic and social amenities attached. Gymnasiums and club house are part of the most standard amenities provided by a large number of builders. Having a state of the art gymnasium and club house is one thing, regular maintenance and good upkeep is quite another.
Since the gym area comprises of various sophisticated equipment and machines, it is essential to keep a close watchful eye on regular maintenance schedule to allow smooth functioning. Intrinsic fallout of having a common amenity is the lack of personalized attention when it comes to maintenance and upkeep. The role of the gym management team, property manager or the RWA hence becomes essential to embed a community culture allowing everyone to play as much role in cleanliness and maintenance as they have in using the gym and clubhouse area.

Basic things for maintaining apartment clubhouse and gym

Keep a Maintenance Record: Maintenance record is the log book containing all gymnasium equipment and their details along with all maintenance records. Keeping a record in black in white is the best way to fix a dedicated time for the next maintenance schedule. The maintenance record is also a useful tool in keeping all gym equipment in top shape. Along with the workout machines and dedicated gym equipment like weights and furniture, gymnasium maintenance record must have a log for electrical and electronic alliances within the gym including air conditioning, shower areas, aerobic workout floors and other associated areas.
Watch Equipment Warranty: All modern gymnasiums and clubhouses these days are equipped with state of the art international workout machines including steppers, treadmills and other sophisticated machines. It is imperative to keep a record of the warranty details for each such machine to avoid any unnecessary expense by ignoring the warranty period. Gym members must be encouraged by the gymnasium management team to report any problems associated with any of the equipment for early detection and resolution.
Focus on Cleaning and Oiling: Having good machinery and state of the art gym ambiance is one thing, but maintaining them effectively is quite another. Even the best of gym areas with top notch sophisticated machinery can soon end up as an old hog if not maintained properly. All gym users must be instructed to clean the equipment of any sweat after their use. Cleanliness and maintenance needs to be embed to the bottom and if each user does his or her bit, managing cleanliness and overall gym maintenance would be a swift breeze. Apart from regular cleaning, oiling of all machines must be carried out as per the maintenance record or the machinery manual.
Have a Monthly Maintenance Workshop: The gym management committee is recommended to conduct a monthly maintenance workshop inviting volunteers who use the gym to come forward and undertake the cleaning and maintenance process every month. Special rewards and schemes can be introduced for the team members involved in the maintenance workshops. Such community maintenance workshops not only help keep the gym machines and other equipment clear of any technical glitches but also helps gym members bond as a social community.

Friday 1 November 2013

Wonderful & Simple Ideas For Your Diwali Decoration !!

This Diwali make your own Diwali Decoration with simple Do It Yourself tips.
The word ‘Diwali’ in Sanskrit means the ‘rows of lights’, and the festival is known as “festival of lights”. Diwali is celebrated pan-India with much grandeur – starting from households, shopping malls to small kirana stores; every place is decorated with lights or candles or diyas. You find people bursting firecrackers on the road, exchanging sweet boxes and gifts and enjoying the festival with family and friends.
In smaller cities, towns and rural areas, you may not find much difference in the way Diwali has been celebrated over the years except the fact that people might be bursting a few more firecrackers. But in larger cities, people are turning more creative and look out for creative ways to celebrate Diwali in a Do It Yourself (DIY) way.
Here are some tips for simple Do It Yourself (DIY) Diwali Decoration
1) Creative Lights
Shining Rosebuds: Using some old organza cloth or even paper, you can make rosebuds with small decorative lights in the middle of it. These lights will look cute and awesome when lighted at night.
Lights with Egg Cartons: Egg cartons can be cut like flower petals and then painted. Two or three similar flowers can be garlanded and insert a small light in the middle. It looks stunning
2) Candle Ideas
Orange peel candles: It is a great idea to make diyas with decoratively cut orange peels. Candles can be inserted in orange peels, which cut creatively with zig zag edges
Bottle Cap Candles: Cute little candles can be made with bottle caps, wicks and wax crayons. This would definitely look cute when you place more numbers or decorate a wide area.
3) Centre pieces
While sitting together for dinner with your relatives on diwali night, make your table unique and romantic with votives, glasses and rose petals. This will be wonderful floating centre piece for your table. Another idea to have a naturally aromatic candle is a cinnamon candle. All you need to have is some long and uniform cinnamon sticks, small and thick candles and some twine to wrap the sticks beautifully together round the candle.
4) Diwali Torans
This is a good recycling idea. Take some old wedding cards, cardboard or papers. Cut them beautifully in the same pattern and size and paint them colorfully. Arrange them in a twine and use as a colorful Toran at the entrance of your house to welcome the guests to bring in a festive mood.
5) Lanterns I
 
Lanterns of different shapes and sizes can be created with different types of old bottles. A paper bag lantern is a creative as well as eco friendly way to decorate your home. These are cost effective ideas and are unique. Having a theme-based decoration is a good idea.
Themes can be based on the electric lights you use, candles or diyas for example, seashell lights and seashell diyas, flower lights along with flower hangings and flower rangoli. In whichever way, all that required is your creativity and a group of friends around.
You can bring smaller trees/saplings in rent to keep at the gate or at the entrance area. Flower garlands can be used at the entrance. A big diya stand can also be put in the middle of the entrance, adorned with flower petals to add beauty to the celebration. Nice Rangoli designs can be made on the floor, and at the main gate using rice flour, vermillion, flower petals, colourful flowers, to give your house / apartment, a more traditional look. Depending on the budget, a small sky-lantern flying arrangement can be made. Be innovative and find out creative ways to make this “Diwali celebration” a most memorable one you and your family.