புதிதாக வீடு வாங்கும்போது கவனத்தில் கொள்ள வேண்டிய 5 முக்கியமான செலவுகள் பற்றிதான் நாம பார்க்கப்போறோம்.
சொந்த வீடு
சொந்தமாக ஒரு வீடு வாங்குவது பலரின் கனவாகவே இருக்கும். ஒருவரின் லைஃப்டைமில் மிகப்பெரிய முதலீடாகவும் அது இருக்கும். அதைச் சரியான நிதி திட்டமிடலோடு செய்ய வேண்டும். ஒரு வீட்டை வாங்க நீங்கள் நினைக்கும்போது, அந்த வீட்டை சொந்தமாக்க மொத்தமாக எவ்வளவு செலவாகும் என்பதைச் சரியாக அறிந்துகொள்ள வேண்டும். வீட்டின் விலையாக கட்டடம் கட்டிக் கொடுக்கும் பில்டர்கள் சொல்லும் விலையை விட வீடு வாங்கும்போது கூடுதலாக செலவழிக்க வேண்டி வரும். Hidden Charges என்கிற வகையில் குறிப்பிட்ட தொகை உங்கள் பட்ஜெட்டில் இடம்பெறும். இந்த செலவுகளுக்காக ஒரு நிதியை ஒதுக்குவது குறித்து நீங்கள் திட்டமிடாவிட்டால், கடைசி நேரத்தில் உங்கள் பிளான் சொதப்ப நேரிடலாம்.
அப்படி வீடு வாங்கும்போது கவனிக்க வேண்டிய 5 செலவுகள்!

Stamp Duty
ஒவ்வொரு சொத்தையும் பதிவு செய்ய வேண்டியது அவசியம். சொத்துப் பதிவுக்காக ஸ்டாம்ப் ட்யூட்டி என்கிற வகையில், அரசு நிர்ணயிக்கும் குறிப்பிட்ட தொகையை செலுத்த வேண்டும். மாநில அரசுகள் நிர்ணயிக்கும் இந்தத் தொகை மாநிலத்துக்கு மாநிலம் மாறுபடும். பொதுவாக மொத்த சொத்து மதிப்பில் இருந்து 4% முதல் 7% வரை விதிக்கப்படலாம். உதாரணமாக, உங்கள் வீட்டின் மதிப்பு ரூ.50 லட்சம் என்று வைத்துக் கொண்டால், பத்திரப் பதிவின்போது ஸ்டாம்ப் ட்யூட்டியாக ரூ.2 லட்சம் முதல் ரூ.3.5 லட்சம் வரை கூடுதலாக நீங்கள் செலவழிக்க வேண்டும். அதேபோல், பெரும்பாலான மாநிலங்கள் பெண்கள் வீடு வாங்கையில் 1% அளவுக்கு சலுகை கொடுப்பதுண்டு.
Registration Fee
சொத்துப் பதிவின்போது கட்ட வேண்டிய மற்றொரு தொகை பதிவுக் கட்டணம். மொத்த சொத்து மதிப்பில் 1% அளவுக்கு பதிவுக் கட்டணம் விதிக்கப்படும். ரூ.50 லட்சம் மதிப்பிலான சொத்துக்குப் பதிவுக் கட்டணமாக ரூ.50,000 செலுத்த வேண்டும். முத்திரைத் தாள் கட்டணத்துடன் கூடுதலாக பதிவுக் கட்டணத்தை செலுத்த வேண்டும்.
ஜி.எஸ்.டி
நீங்கள் கட்டுமானத்தில் இருக்கும் ஒரு சொத்தை வாங்குகிறீர்கள் என்றால், ஜி.எஸ்.டி கட்ட வேண்டும். நீங்கள் வாங்கும் வீடு அரசின் `Affordable Housing’ என்கிற வரையறைக்குள் வந்தால், மொத்த சொத்து மதிப்பில் 1% ஜி.எஸ்.டி வரி விதிக்கப்படும். அந்த வரையறைக்குள் வராவிட்டால் 5% அளவுக்கு வரி நிர்ணயிக்கப்படும். உங்கள் வீட்டின் மதிப்பு ரூ.45 லட்சத்துக்குள் இருந்தால் அல்லது கிராமப்புறங்களில் 60 சதுர மீட்டருக்குள்ளும், நகர்ப்புறங்களில் 90 சதுர மீட்டர் அளவுக்குள்ளும் இருந்தால் 1%, அதற்கு மேல் மதிப்புகொண்ட வீடுகளுக்கு 5% ஆகவும் ஜி.எஸ்.டி வரி விதிக்கப்படும். உதாரணமாக கட்டுமானத்தில் இருக்கும் ரூ.40 லட்சம் மதிப்பிலான வீட்டுக்கு ரூ.40,000 ஜி.எஸ்.டி வரி கட்ட வேண்டும். அதேநேரம், ரூ.50 லட்சம் மதிப்பிலான வீட்டுக்கு ரூ.2.5 லட்சம் ஜி.எஸ்.டி வரி. அதேநேரம், கட்டி முடிக்கப்பட்ட வீடுகளுக்கும், பழைய வீடுகளை மீண்டும் விற்பனை செய்யும்போதோ ஜி.எஸ்.டி வரி விதிக்கப்படாது.

பராமரிப்புத் தொகை (Advance Maintenance Charges)
வீடு வாங்கும்போது ‘Maintenance Charges’ முக்கியமான இடத்தைப் பெறும். வீட்டின் விலையும் இதனால் பாதிக்கப்படும். பில்டர்கள் ஒரு ஆண்டு அல்லது இரண்டு ஆண்டுகளுக்கான பராமரிப்புத் தொகையை முன்தொகையாக வசூலிப்பதுண்டு. சொத்தின் அமைவிடம், பரப்பளவு உள்ளிட்ட பல காரணிகளை அடிப்படையாகக் கொண்டு சில லட்சங்கள் வரை வரலாம். கட்டடத்தின் செக்யூரிட்டி, தண்ணீர், லிஃப்ட், பராமரிப்பு, மின்சாரம் உள்ளிட்ட வசதிகளுக்காக ஒரு தொகையை நீங்கள் செலுத்த வேண்டும்.
பார்க்கிங் கட்டணம்
வீடு வாங்கிவிட்டால், நாம் இனிமேல் பார்க்கிங்குக்கான செலவழிக்க வேண்டாம் என்று வீடுவாங்குவோர் எண்ணுவதுண்டு. ஆனால், அது முழுவதுமாக உண்மையில்லை என்றே சொல்லலாம். கேட்டட் கம்யூனிட்டி போன்ற இடங்களில் நீங்கள் வீடு வாங்கினால், பார்க்கிங்குக்கென தனியாகக் கட்டணம் செலுத்த வேண்டும். சில சொசைட்டிகளில் ஆண்டுக்கணக்கில் இதற்கான கட்டணத்தை வசூலிப்பதுண்டு. அதேபோல், பொதுவான பார்க்கிங் ஸ்பேஷில் கார் பார்க்கிங் செய்ய தனியாகக் கட்டணம் செலுத்த வேண்டும். அதேபோல், ஒரு வாகனத்துக்கு மேல் நீங்கள் வைத்திருந்தால், அதற்கும் தனியாகக் கட்டணம் செலுத்த வேண்டி வரலாம்.
வீடு வாங்குவதற்கு முன்னர், இதுகுறித்தெல்லாம் தீர விசாரித்து அதற்கான செலவுகளையும் திட்டமிட்டுக் கொள்ளுங்கள்.
Also Read – வீடு வாங்கப்போறீங்களா… ‘Dream Home’ வாங்கும் மில்லியனியல்ஸுக்கான 5 டிப்ஸ்!
5 Ways To Get A Chiseled Jawline
# 5 Ways To Get A Chiseled Jawline
## How to Get a Chiseled Jawline
Achieving a chiseled jawline is a goal many strive for, as it can enhance facial symmetry and contribute to a more defined and attractive appearance.
Whether you’re aiming to improve your profile or achieve that coveted Hollywood look,
there are several effective methods to help you succeed. Let’s explore the top five ways to obtain that elusive chiseled jawline.
## Steps
1. **Exercise Your Jaw**: Engage in exercises specifically targeting the jaw
muscles to build definition and strength.
2. **Be Healthy**: Maintain a balanced diet rich in nutrients to support muscle growth and
overall health.
3. **Grooming to Suit Your Jaw**: Enhance your facial features through grooming techniques tailored to complement your
jawline.
4. **Beautify Your Jaw**: Use makeup or skincare products to highlight your jawline effectively.
5. **Sample Exercises and Foods to Eat and Avoid**: Explore specific exercises and diet tips that promote jaw definition.
## Exercising Your Jaw
To build a chiseled jaw, focus on exercises that work the
muscles below the jawline, such as:
– Chewing resistance (e.g., resist chewing a towel or crunch noise).
– Lateral movements (open wide and hold for 5 seconds several times).
Perform 3 sets of each exercise, holding each
position for 5 seconds. Aim for 2-3 sessions daily.
## Being Healthy
A healthy lifestyle supports muscle definition through proper nutrition:
– Consume protein-rich foods like lean meats, fish, eggs, and legumes to aid muscle growth.
– Stay hydrated with plenty of water and avoid sugary drinks that
can hinder muscle development.
## Grooming to Suit Your Jaw
Enhance your jawline’s appearance with grooming techniques:
– Trim facial hair if it’s thick or unruly to avoid distractions from your
jawline.
– Use contouring products like highlighters
and bronzers to create depth and definition.
## Beautifying Your Jaw
Beauty guru tips for a standout jawline include:
– Applying highlighter along the jawline to add definition.
– Using defining concealers to erase imperfections and enhance your jaw’s angle.
## Sample Exercises and Foods to Eat and Avoid
– **Exercises**: Jaw lifts, jaw stretches, and resistance exercises.
– **Foods to eat**: Protein sources, leafy greens, nuts,
and healthy fats.
– **Avoid**: Processed foods high in sugar and unhealthy fats that can hinder muscle growth.
## Expert Q&A
Consult a personal trainer or nutritionist for personalized advice to
ensure your efforts are effective.
## Video
Watch tutorials on YouTube for visual guidance on jaw exercises and makeup techniques.
## Tips
Stay consistent, focus on gradual progress,
and maintain a balanced approach to achieve your goals.
## Warnings
Avoid excessive exercise to prevent muscle strain. Prioritize form over intensity to avoid injury.
## You Might Also Like
– 5 Tips for a Slimmer Face
– The Best Exercise Routines for a Defined jawline
## References
Consult fitness professionals or reputable health sources for the latest information.
## About This Article
This article provides general guidelines and should be used as a starting point.
Results may vary based on individual factors
like genetics and dedication.
## Reader Success Stories
Share your journey in the comments below to
inspire others!
## Did this article help you?
Let us know how we can improve or provide further assistance.
## Quizzes
Test your knowledge with our “Jawline Fitness Quiz” to see how ready
you are to achieve that chiseled look.
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The single arm bent over row may be even better for your back than an everyday barbell row as a end result of this is unilateral where you’ll find a way to focus on the working muscles, one aspect at a time. Then you need to think about incorporating cable exercises into your routine. One should incorporate the cable machine and free weights into their chest-training routine. There’s no cause a person has to choose between them; they every have unique advantages.
Bear In Mind that though training is important, food plan also plays a vital function in maximizing muscle growth. They take the stress off the stabilizing muscles and joints that you’ll normally use during compound barbell actions. It is all the time best to begin with a lower number of reps and units, and then progressively improve as your energy improves. Cable Pullovers are the best train for constructing a strong rib cage and serratus anterior muscle, which together kind a complete chest and back. Pullovers work immediately on the serratus anterior muscle to develop the back. It is doubtless considered one of the best suited exercises for isolating the lower chest muscle tissue.
There can additionally be no resistance break between the concentric and eccentric stages of the cable bench press. Resistance can be more significant on the top of the motion because the cables pull the expanding arms outward as a result of their consequent size at the finish of the movement. This cable chest exercise is finest when trying to break a plateau for the bench press as it allows lifting heavier weights with out the worry of getting crushed beneath. Although free weights pressing might be the finest possible for gaining mass and concentrating on many muscle groups, cable machines provide some distinctive benefits over free weights. “General, try to target muscles that help upper-body pushing actions (like the shoulder muscle tissue and muscle tissue of the core) along with the chest muscle tissue”, Gagliardi mentioned. Furthermore, the flexibility of the chest fly offers numerous variations, such as incline, decline, and cable variations, making it appropriate for all fitness ranges. Integrating these variations not solely keeps your workouts participating but also ensures comprehensive muscle engagement, effectively addressing completely different muscle groups.
The incline dumbbell press is similar to the incline barbell press, with the solely real distinction that you just use a pair of dumbells as an alternative of a barbell. This permits a more free vary of movement, as your arms are no longer restricted by the barbell. Traditional Cable Flys – also referred to as Cable Crossovers – are recognized for targeting the chest. With that stated, they do contain the anterior deltoids (front a part of the shoulders) but not enough to qualify it as a shoulder train.
When the deltoids contract to maneuver the arm, the rotator cuff muscular tissues have interaction and act like stabilizer muscle tissue for the shoulder joint. And that’s why I’m kicking issues off with a breakdown of the shoulder muscle tissue before moving into the wider vary of workouts. When you are doing any sort of triceps urgent train, you should consciously maintain your elbows tucked on the sides of your body. While we’re showing the single-arm version, you possibly can perform it with each arms as nicely. When done right, this train strengthens the shoulders and upper back which might help straighten out a hunched-over posture.
By understanding what you’re really working out, you might also be a little more intentional and engage these muscle tissue through each movement. By utilizing a workout log, you probably can maintain track of your reps and weights in each train to make positive that you are progressing. Then you need to develop each your higher, middle, and lower chest muscle fibers. The Bent-Over Cable Row is another pulling movement but it’s going to target your back, not your shoulders. Verify out our ATHLEAN-X packages to see which is the best match in your goals and health degree. For energy (4-8 reps), you can go heavier, but by no means at the value of correct form.
Seated exercises help stabilize the torso, allowing for greater emphasis on muscle contraction. The seated low cable chest fly is a superb instance of this, higher focusing on the chest muscles. Cables vs dumbbells is like evaluating apples and oranges – both have unique benefits. A cable chest exercise offers constant pressure and a higher range of movement, focusing on specific muscle teams. Dumbbells, then again, are the go-to for activating stabilizer muscular tissues, providing a extra versatile workout expertise. Choosing cable exercises enables you to attack your pecs from a number of angles, making certain that no fiber is left behind.
They contain using a pair of dumbbells as a substitute of the palms to carry out the push-up movement. A Dumbbell Pullover is the best train to construct a robust rib cage and build serratus anterior muscle to construct a whole chest and again. The barbell board press, also recognized as the block press or pause press, is a strong variation of the classic bench press. The decline angle locations much less stress on the shoulders, reduces the risk of shoulder pressure, and allows you to lift heavier weights. One advantage of the cable squat over the barbell squat is that it’s extra evenly distributed, and you have got a extra constant load in your legs all through the whole range of movement. The train primarily targets the lats, but additionally, you will notice many biceps activations. This is a good cable exercise that may actually allow you to widen your upper again.
This train mimics the motion of a barbell chest press, but does it in a standing place (rather than lying on a bench) and uses the cable machine to maximize time under tension. A cable crossover or a cable decline bench press is normally a good way to focus on your center chest, but performing a cable fly may even be efficient. The iron cross chest workout targets your pectoralis main and minor, supplying you with properly rounded chest muscle tissue. This chest press works your lower and center pectoralis major, giving you larger muscle activation than an everyday bench press. This is doubtless certainly one of the best cable workouts for chest growth, and the key is to get the full range of movement throughout the complete train. This allows you to engage your chest muscle tissue properly and activates smaller muscle groups you would not use as regularly. The cable fly has many variations, each unique positioning enabling higher engagement of different muscle teams.
Now, don’t ignore larger rep ranges, especially if you’re seeking to enhance muscular endurance. Every rep must be managed, with a concentrate on intense muscle contraction. This variation of the entrance cable raise helps to interact your traps and aspect delt extra by lifting up on one facet of the bar on the high of the motion. This further carry at the high of the movement makes it tougher due to the brief isometric hold. This model of overhead shoulder pressing forces you to use a strict type. The resistance bands add variable resistance, which makes the push-up movement tougher. This is finished by adjusting the anchor level of the resistance band to a high place and pressing down.
Standing cable crossover Train helps to develop and outline the lower and the Internal pectoral muscle tissue. These machines are constructed from high-grade metal and include numerous attachments, corresponding to bars, handles, and straps, that can help you carry out a extensive range of workouts effectively. First up is the dip, one of many classic exercises present in all good decrease chest workouts.
To do it, set up two cable pulleys at a low position and seize one handle in every hand. Lean slightly ahead, and produce your arms together in entrance of your chest, preserving them straight or slightly bent. However,they use much less weight and you keep your arms straight all through, removingthe pressing element.
This exercise mimics the flat bench dumbbell fly, however once more, it offers fixed tension all through. It goes without saying that the cable crossover machine is a go-to for chest workout routines, but many folks don’t notice just how many great cable chest exercises there are. Progress to the Cable Low Fly to work on lower pec growth, then try out the Cable Standing Squeeze Upper Chest Press for a singular standing exercise that challenges stability.
The train prescription for this aim is 3-6 sets of 6-12 repetitions, using average loads of 60-80% 1RM and 60-second relaxation intervals. For muscle progress, the aim is to create metabolic stress in the muscle to induce muscle hypertrophy. This train can additionally be a superb method to tie the higher abdominals to the decrease chest for a more aesthetic physique. The coffin press is an auto-include on this list for a quantity of causes, especially when utilizing the cable variant. The cables additionally allow slight supination of the grip on the bottom of the move for that slight further contraction.
Nonetheless, twisting movements interact stabilising muscles, enhance muscle fibre activation, and enhance coordination between the chest, shoulders, and arms. Research means that workouts involving rotational movements enhance neuromuscular coordination and muscle recruitment (Behm & Sale, 1993). Additionally, these actions help mitigate muscle imbalances, which might occur as a outcome of repetitive linear urgent patterns (Hibberd et al., 2016). Don’t get us wrong, bench press is a particularly efficient method to build muscle, however by ignoring other chest exercises, you’re leaving a lot on the table. The cable bench press on an train ball is a compound train that targets the chest muscular tissues whereas engaging your core for stability.
The cable fly does a good job of isolating the pectoral muscle tissue, making it an excellent selection for focused muscle growth. Attempt to incorporate different workouts to target totally different areas of the chest muscles and create a well-rounded exercise routine. The Cable chest workouts listed will be performed with reasonable hundreds and repetitions to emphasize each muscular hypertrophy (muscle growth) and muscular endurance. Lastly, if you’re on the lookout for another efficient cable chest train to train your decrease chests, strive the decline cable fly.
Cable bench presses present a unique resistance angle than conventional barbell or dumbbell bench presses. They assist to strengthen the chest muscle tissue, particularly the sternal portion of the pectoralis major. When performing decline cable flys, it’s crucial to take care of correct kind to prevent strain or injury. Keep Away From locking out your elbows on the prime of the movement and control both the concentric (lifting) and eccentric (lowering) phases. Common mistakes embody using momentum to swing weight up as a substitute of participating the chest muscular tissues properly. Focus on a slow and controlled motion to reap all the benefits of this killer exercise with out risking injury.
They are amongst the most effective cable machine workout routines for the chest, which additionally engage the core muscular tissues for stability. Decline cable flys are a game-changer in relation to focusing on those hard-to-hit lower pectoral muscular tissues. By adjusting the bench on a decline, you shift the focus to the lower part of your chest, serving to achieve that well-rounded and sculpted look. What makes decline cable flyes so efficient is the fixed pressure offered by the cables all through the movement, ensuring thorough activation of the muscle tissue with each rep. When it comes to sculpting a well-defined chest, targeting the upper chest muscular tissues is vital for that rounded and powerful look.
Chest exercises remain the same for women and men, however the desirable physical traits of female and male bodies are completely different. Moreover, men and women equally profit from exercising their chests because of the improvements in stability and posture. It’s important to determine personal health goals so that you exercise with the appropriate depth to avoid harm or overworking your muscle tissue. Chest exercises are essential for a well-rounded fitness routine that builds upper body strength and tones muscular tissues.
The cable machine is highly efficient in permitting lifters to securely push to volitional fatigue to find a way to stimulate most muscle development. The cable pullover puts the chest by way of a unique vary of motion than the press and fly actions. The crossover motion permits the chest muscles to carry out certainly one of their main (and most underutilized) capabilities.
Maintain your toes flat on the ground to focus the hassle on your chest, and attempt to arch your again like you would on a flat bench press. Maintain the handles at waist top, pointing downwards, after which pull the cables upwards and forward till they meet in the course of your chest. Many individuals use dumbbells for flys, however using a cable machine is much safer and may be more practical.
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