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Hi,That’s one reasonable question one should ask! I relate to this question so will try to answer. Infact I remember I asked same question myself 14 years back while trying to understand this so called market and the idea of knowledge. And I will try to be crisp!So here it is, most of us with a little knowledge about the market are running with mob mentality, so once the share is going up and up, we develop the FOMO, and start buying it and most often we lose. Since, ON THE OTHER SIDE, there is always someone better who is controlling the market, and making money out of the retail investors. So I thought what should I be doing that nothing could hamper me. So made a checklist for myself, and Here is the checklist :Firstly, learn the basic jargons of market bull, bear, Equity, delivery, margin, options. futures etc etc( plenty of you tube videos, Infact many on quora as well) trust me very simple. People have made a PAHAAD out of these.stop watching financial news channels, instead read economics times or equivalent paper.Don’t have the herd mentality, unless you have read the company well. : shows desperation.Check the companies financial fundamentals I.e. check history of 3–5 years, check cagr, profitability. : Shows consistency.Technical charts are important but check the financial ratio especially EPS, PE RATIO vs industry PE RATION, PB ratio, PEG etc. ( again a easy tutorial of 20 mins from any good you tuber), works well for any non finance person. : Shows performance.Check the background of the top management( it’s a easy google again) or check if any legal cases on companies integrity, financials etc. : shows integrityPick your 2–3 favorite industries, then pick 5 companies each, study them well on above parameters.Try connecting the dots with different news sets that you read. Check the daily candle chart of those companies, on who is buying and who is selling, check bulk buying on NSE website, check OI, delivery %age etc of your top picks. : shows intent.Lastly, just know that no one can teach more than the basics of stock market, before the share market knowledge have the basics worked upon and then track the behavioural pattern and strategic decisions of the companies that you pick.Nothing more nothing less. Also remember it’s not an overnight journey, it pays you well when you pay attention to little details.These are my personal experience, pls make sure you do your own research as well. Also may not be in right order but I hope it helps in its own way.Do upvote if you like! Will push me further to write more. Thanks and cheers!All the best

I can see many answers to this question from property / real estate consultants, so my disclaimer - “My answer is based on my personal experience. I am a flat owner in Bangalore. I don’t work in the real estate sector”.Now, my “ideal checklist” for buying a house (flat) in Bangalore -I will look for projects that are already completed or nearing completion (not more than 3 months to completion). Reason - many projects in Bangalore and other places in India are stuck as builders are unable to sell. Even many reputed builders have not been able to deliver. Though completed projects cost a little more, there is some assurance of possession.I will buy projects with clear titles and approvals and won’t buy “Joint Development” projects. Will pay money to a lawyer to get a thorough assessment of the legal status. Reason - once people start living in joint development projects, they find that land owners are not paying their share of maintenance and creating nuisance by putting shady tenants. Also, many joint development properties in Bangalore get stuck due to “Inheritance” related issues (where buyers suddenly find many claimants to the property. Many people have faced lots of hardships due to such issues)I will try to buy projects where builder will provide A-Khata and Occupancy and Completion Certificates (OC and CC). Reason - Many projects in Bangalore don’t have OC and CC and can never get A-Khata (even after high court verdict). Many Banks don’t provide loans on B-Khata properties.In 2017, I will buy a flat in Bangalore only when I want to live in it. In other words - In my assessment, buying a property in Bangalore in 2017 for investment purpose is a bad idea because of poor ROI. The prices are very high and rental income from flats is very poor. For a 2 BHK apartment costing between 50 Lakhs to 1 crore Rupees, the maximum rent that an owner can get is Rs.25000 per month. Please also read mt other answer - Satish Dubey's answer to Is buying a flat in Bangalore a good investment option? If so, who is the best builder?I won’t fall for gimmicks like - Next to Metro Station or International Airport. I will buy a property at a location that is well connected and convenient for me, but I don’t need to Fly out of Bangalore every other day OR I don’t want to be woken up by sounds of a metro train. I need not pay exorbitant prices to stay close to International Airport (that I might use once in 6 months) OR next to a Metro station (where life will be miserable due to traffic / crowds)Regarding best builders - well, some names in Bangalore are high respected for the quality of their apartments and timely delivery. These names are - Sobha, Purvankara, Brigade, Prestige, etc. The only issue is that their prices are very high (60+ lakhs for 2 BHK Apartment), and one may not make much money in the short term by selling their apartments. There are many smaller builders also but their presence is restricted to certain areas. A market survey is required if you want to buy for investment purpose (example - Sumadhura and Mahaveer groups are two such companies that are not as large as builders like Sobha, Purvankara, etc. but they seem to be delivering projects on time).Regarding Finance Options - for most of the projects, private banks and Housing Finance Companies (like HDFC, LIC Housing, DHFL, etc.) are ready to finance provided you meet their criteria. Builders themselves offer minimum 2–3 options for people who need loans. PSU Banks like SBI are little finicky about legal status of the property and won’t normally fund unless the property is A-Khata.Regarding Location - Well, North Bangalore (where I live) is a very attractive location. Starting with Hebbal and going all the way beyond International Airport (Devanahalli) are all hot locations. You can also explore locations like Nelamangala that are on the outskirts but have good potential due to relocation of industries. I personally prefer a place that is convenient for me (irrespective of investment potential). If you don’t mind living just outside Bangalore (and Karnataka), I feel Hosur (in Tamil Nadu) is the place. Recently, Tamil Nadu Govt announced that it will build an Airport near Hosur (so that may benefit the investors).

Buying a two wheeler can be challenging at times .Here is the detailed description about two wheeler buying guide.PDI ( predelivery instructions).1. Never accept the delivery in the late evening. Call the dealership ahead of time and let them know that you plan to perform a very detailed delivery check during daylight hours. Getting through your checklist may take couple of hours or more so see that you get an earliest possible appointment (0930 hrs or even earlier if possible) so that you will be having sufficient time to inspect the motorcycle, put accessories/modifications and fix any defects found, complete the paper work, all under a bright daylight. Also insist that no Invoice to be made in your name till you complete the pre-delivery inspection.2. Some people believe that taking delivery of 'Metal' goods on Saturday is inauspicious, while some insist on a ''Muhurat'', plan and prepare accordingly if you are one of them.3. Call couple of days in advance to confirm the delivery date and time to avoid any disappointment in case dealer is unable to deliver the motorcycle for what so ever reasons on that appointed day.4. In the meantime, keep your paperwork ready. Check with the dealer well in advance about documents required completing motorcycle Registration, Insurance, motorcycling finance formalities etc.5. If any financial transactions are to be completed on that D- Day, carry all PDC, cash, DD etc.6. Check and verify that your motorcycle insurance starts the minute you take delivery.7. It is prudent to have somebody, a third person, not emotionally attached to your motorcycle buying process, accompany you during the whole process. And if you can manage to have an experienced Auto mechanic or an eagle-eyed friend or relative along with you nothing like that; four eyes are better than two. This also helps in case dealership tries to pressurize you on any account.8. Don't forget to take your camera / camcorder with you (of course with fresh batteries, film/ cassette/ memory card), not only for capturing the moment of joy but in case you find any cosmetic defect in the motorcycle, a picture will serve as a proof.Now you are in the Showroom!1. Treat all front desk, sales, service, and delivery and administration staff with respect. Buying a new motorcycle could be a proud moment for you but delivering a motorcycle is a routine matter for them. You had spent considerable amount of time in researching a motorcycle make and model, made several visits to dealerships for test rides and price negotiations, now it is a matter of couple of hours more so observe patience and courtesy. Don't lose temper and start fighting with people over there, some delays, and minor irritations are quite possible and they do happen! You’re sober, mature and decent behaviour will make a very good impact on the staff over there and that in term will help you in getting better respect and service from them in future.2. Don't depend on dealer's mechanics and preparation people to take care of every last detail. Inspect it yourself and if it isn't right, have it corrected. People do make mistakes and forget things (sometimes deliberately!) Always remember that the dealership will be more receptive to making repairs before the sale. So have any corrections made before you take delivery.3. Part of the salesperson's job is to acquaint you with your new motorcycle's features and how each one operates. Ask him to demonstrate the motorcycle fully, top to bottom, in order to understand how everything works on the vehicle. The salesperson is more likely to give you his or her undivided attention before, rather than after, the sale is final.Now let us begin with the visual inspection first:1. Note the mileage. Before you do anything else. It should be as close to zero as possible. What you don't want is a motorcycle with 100 or 200 Km that's been a demo vehicle to every lead-footed prospective buyer in town. Be reasonable, but question anything greater than 50 Km.2. Look over the bodywork. Do it in an open space and under a bright daylight. Walk around the vehicle several times looking from as many angles as possible. Carefully sight along the sides of the motorcycle, from front to rear and vice-versa, looking for ripples, dimples and dings. Look for paint over-spray on door ledges or around the edges of the engine compartment that might indicate repairs. Make sure seams and door lines are straight and true. Remember, a careful inspection is critical because after the motorcycle leaves the lot, the dealer could reasonably claim that anybody damage was caused by you.3. Check for alignment of disc plate : Put the bike in centre stand and roll the wheels to check if there is any alignment’s problem with front or rear disc (if any)4. Check for leaks under the tank where fuel sensor is inserted, and also the petrol outlet pump, Check for leaks around the kick-shaft, and chain slackness and fill adequate petrol and check for the proper working of fuel sensor.5. Check the Battery: No corrosion should be present on the electrodes. It should be properly connected -- fastened to wire leads and properly secured / tied down in the vehicle. Ask about how to jump it properly. Does it have a special separate warranty?6. Check for alignment of both the rims: Once again, put the bike in centre stand to roll the wheels to check for alignment problem with the Rims (front and rear)7. Tires: Are all the tires the same and as ordered? (Some performance tires have several different speed ratings and associated cost levels. Check the specific numbers on each tire.) Check the dates on the tires, tires should be fresh. What is the proper air pressure? What is the tire warranty and where is it? The tires should show no signs of wear, and should be properly inflated. Tires should be scuff- free. Are the hubcaps properly affixed?8. Look in the glove box. Does it open properly? Does it lock?9. Keys: Do you have more than one set? Is the remote entry working? (If any) How does the alarm work (codes and disarmament)? Is there a panic button and cut off switch?10. Make sure tire- changing equipment, owner's manual, plus any unusual items that may standard equipment - like a first-aid kit should of course, be on board.Then be sure the motorcycle has any optional equipment that you paid for - premium or alloy wheels or an off road silencer, as examples. No reputable dealer would try to cheat you out of these things. But should any be missing, he'll go to more trouble to get them quickly if you refuse to take delivery of an incomplete vehicle.10) Check and make sure that front fork sleeve should not touch the mudguard or the fork. (Especially royal Enfield classic 500 efi model)11) Rust on the main frame, especially at the welding joints. (Do check at the bottom, where the main stand mates with the frame)12) Ask them to open the OVAL TOOL BOX and show you. In most cases it’s jammed and difficult to open. (Especially royal Enfield classic 500 efi model)13) Check for proper retraction of main and side stand. Sometimes they hang mid-way as springs are faulty.14) Fill adequate petrol and check for the proper working of fuel sensor. (Especially royal Enfield classic 500 efi model)Now it is time to crank the engine:Start the motorcycle. Let the motorcycle idle for 2 minutes and check for leakages. Engine should also vibrate normally. Switch of engine and engage brakes, Switch on motorcycle electric circuit and observe the following:a. Engine oil lamp on indicator should come on (if any) and then go off after some time on speedometer.b. When brakes are engaged lamp should glow. On releasing the brake, the same should be extinguished. Start engine. Battery charging should start and battery indication lamp on the speedometer should now stop glowing.c. Check the operation of all the lighting systems:Headlights (low and high beams), tail lights, emergency flashers, brake lights. Check left and right turn signals (front and back -- you'll need a helper) proper operation, and switch positions Do the lights work correctly?Now it is time to Spin:You may have already test driven the motorcycle, but this time be on the lookout for any malfunctions. The dealership still owns the vehicle, so expect the salesperson to accompany you. But request him or her to keep quite as you'll need to concentrate - and listen - as you put the truck through its paces. Be sure to take it on the highway, not just around the block.1. Hop on and sit tight!2. Ignition System: Does the motorcycle start properly?3. Listen carefully to engine idle. Does it sound okay?4. Look at the exhaust pipe. Any abnormal smoke or colour? Moisture?5. Brakes: Do you like the feel of the brake pedal (even and smooth)? How do the disc / drum brake work?6. When you put the vehicle into gear, does it sound okay?7. Noise Check. Drive over various road conditions and speeds that you know you will be frequenting. Listen for the Buzz Squeaks and Rattles (BSR). Also note NVH (Noise, Vibration, and Harshness) -- no loud thuds, or strange shaking between above 60 Kmph allowed.8. Watch the gauges. Do they move and register properly? (Gauges include the odometer, speedometer, tachometer, oil pressure)9. Check the vehicles acceleration and braking for proper operation.10. Check the vehicle's handling: Can it turn a tight U-turn? Does it make any strange noises? Make right and left turns. Does the handle bar respond properly?11. Battery not charging glow lamp should not come on.12. On a straight stretch of road ride at 60 Kmph and motorcycle should keep straight and not pull to left or right. In case if it pulls towards left or right, dealer has to do the wheel balancing and also wheel alignment.13. Check operation of horn.After the spin1. Have a look at the engine. Any new fluid leaks? Check the oil and transmission levels yourself. Take a quick peek under the vehicle and make sure there are no fluids dripping on the pavement.2. Is every option you ordered and paid for installed properly in the vehicle? So many options exist that it is impossible to make any kind of accurate listing. What is important is that what you've paid for is there, and that you know how to operate each one.3. Service Department: Have you met the service manager and taken a tour of the service area? Have they explained the specifics of the dealership's service policy and hours of operation? (Some dealers are by appointment only; some are first- come first-served. Most treat buyers from their dealership better than other walk-in customers. So keep that license plate holder with the dealer's name printed on it.)4. Has the service manager reviewed the basics of the service plan for your vehicle with you?5. Does the dealership have a free check-up? What period of operation does it cover?6. Does your vehicle have a 24-hour roadside assistance program? What does it entail?7. Did you buy a special service plan? What is covered?8. Do you have a business card for each of the dealership personnel you've worked with?9. Is every defect that you've noted been properly corrected?Now it is time to complete paperwork and other formalities.Read the paperwork! Don't take anybody's word for anything. Make sure all the blanks in the contract are filled in. Insist on having a copy of each document you are signing. Make sure you're paying what you agreed to pay in your earlier negotiations. And make sure you're not paying for anything you didn't agree to buy.Once you're certain both the motorcycle and the paperwork are in order, you're ready to sign the contracts and drive away. Ask to be shown the internal PDI Certificate for the chosen piece. Check Chassis number and Engine number of motorcycle matches with the Invoice and or Chalaan.Check the Chassis number and Engine number are properly endorsed in the Registration papers and Insurance Papers Collect warranty card of the motorcycle. Check warranty details are properly endorsed and ensure that all free service coupons are in date.Collect warranty cards of battery and all accessories. Collect Pollution certificate. This is valid for one year. Check all papers once again.Ensure that invoice, sale certificate, receipt, Registration, Pollution certificate, Warranty card, Battery warranty card and warranty card of accessories are in your possession. Check out from the Owners Handbook what all items are FOC with the motorcycle, such as Toolkit (# of pieces), and spare fuses/lamps, First Aid Kit etc. If opted for additional warranty (on payment of specified price) ensures that motorcycle details are endorsed correctly in the additional warranty.Ensure/Demand that the motorcycle has at least 2 litre of Petrol in it, as is provided for by the OEM. Check pressure of air in all tyres and should be as per the recommended pressure.In addition here are some more tips:1. Check the motorcycle manufacturing month/year.2. In case of extended warranty check its coverage and deductibles. Also check whether this warranty is transferable to a new owner in case you need to sell your motorcycle while this warranty is still in force.3. Get all promises and commitment from the dealership in writing.4. Remain very friendly and decent while at the motorcycle dealership, as you are going to visit them many times in near future. Make some friends over there. You may feel at the top of the world while taking the delivery of your motorcycle but for the dealership yours is just one out of half a dozen deliveries they are going to make on that particular day.Now about some modifications and accessories:Remember any alterations, modifications, add-ons has got effects on your motorcycle Warranty and Insurance coverage and most important functioning of your motorcycle. There are several cases in the recent past in which warranty and/or insurance claims are refused just because of such changes. Most common and favourite add-ons are:1. Alloy wheels2. Bigger and broader tires3. Tubeless Tires.4. Central locking5. Teflon coating and/or any anti-rust coating6. Any gadgets such as fog lamps, High mast brake light, Digital clock, RPM meter etc.What is suggested is:1. Better stick to original tires. The motorcycle manufacturer has arrived at those specs after a considerable study and research, and in most cases it is the best compromise after considering the intended use profile of the vehicle, expected fuel economy, safety and road structure in India. (If it is offered as an option then you may consider it.)2. Working on Alloy wheels and Tubeless tires is a skilled job and needs specialized tools, which is difficult to find at any roadside garage. If at all you decide to change tires/wheels then check with the dealership and insurance company regarding warranty and insurance. Get it endorsed on your motorcycle documents; RTO also needs to know about such modifications. Also get the tires changed at the dealership as they are better equipped to handle alignments and balancing.3. Central locking: Its effectiveness is a debatable issue. Simple mechanical type gadgets are much better and cheaper too. If offered by the motorcycle maker as an option you may consider it. In many aftermarkets locking systems (even offered by dealerships) need altering motorcycle wiring, drilling body parts etc. Which is again not good for your motorcycle warranty, insurance claims.4. Teflon coating is also a debatable issue; by and large it is observed that it is pretty useless. If dealership is offering it as a freebie it is better to decline it and convert it into some cash discount. Altering wiring will void your warranty and may cause serious malfunction in future and insurance claims will be refused.5. For all other accessories check with the dealership and Insurance Company about their impact on warranty and insurance claim