Some movies that I liked (2007).

After getting a BB at home, I had the chance to watch some nice movies last year..

Here are some movies that I liked

1. The Pursuit of Happiness --
Will Smith's acting was very good. A touching story indeed. The scene where Will Smith gets selected for the job : very nice.

2. The Life of Others (German) --
My first non-English /European movie.Read about it from a blog . Barring annoying subtitles (which were always out of sync) from opensubtitles.org, I enjoyed watching the movie .

3. Fight Club
A movie with interesting twists. Lot of blood and gore.But worth watching.

4. Forrest Gump.

5. Finding Nemo

6. The Pianist

Foreclosing a loan

Here are the list of things to check before one closes his loan in advance.

1. Inform the bank about the date of pre-payment through a letter.
Its better to give a month's notice to the bank.This gives time to the bank to calculate the exact outstanding interest and penalty that has to be paid. (if any).

2. Take a letter from the bank regarding the exact amount that needs to be paid and the break-up of the amount. Also,ask for acknowledgment of the cheque through which you prepay the loan.

3. You will get the documents once the cheque gets cleared. Takes usually 15 days.

4. Check the original documents received from the bank with the duplicate copies you have kept. Ensure that EVERY SHEET is intact.

Closing a homeloan

Here is a small write up on closing a home loan and the documents that need to be collected from the bank:

1. Request for an acknowledgment of the cheque through which you pay the last EMI of the home loan. The bank will return your documents once the cheque gets cleared.

2. If your home loan is from a cooperative bank and you are paying your last EMI in cash, you will get your documents right away.

Documents to be collected from the bank on closing the loan:
1. A letter specifying that the loan has been closed. This usually includes a no-dues certificate. This document is very important whenever you are going to sell your home or your car.

2. An account statement for the entire loan course.This will help keep a record of all the payments that have made and income tax benefits availed.

3. Obtain a letter specifying your payment track record. This would help in case you take any loan in the future.

4. Get your title documents of your car or home ,or any other security that you may have deposited with the bank while taking the loan,apart from agreement documents.