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Baqar Iftikhar

Baqar Iftikhar Naqvi  | Answer  |Ask -

Start-up Mentor - Answered on May 27, 2024

Baqar Iftikhar Naqvi is the founder and CEO of Upriver Ecommerce, an online sales accelerator firm and can guide entrepreneurs on how to make their firms grow.He holds a BTech in textile technology from the Central Textile Institute and has a master's degree in marketing and merchandising from the National Institute of Fashion Technology.He has 23 years of experience in the consumer products and retail industry.... more
Asked by Anonymous - Apr 16, 2024Hindi
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Career

Sir I'm a doctor by profession.Right now I'm practicing in a rented premises and rent of that shop is 17300/month +1000 light bill .I'm practicing in this premises since last 22 years.I got few opportunities to buy my own Shop but I missed it somehow.Now there is one Shop behind my clinic for sale and area of this shop is little bigger than my clinic,Is it advisable to purchase back side shop at Rs 36 lakhs or continue in the same rented shop.Every year there is 10%hike in rent.And to own this shop I have to take 25 lakhs loan.Plz Guide me.Thank you.

Ans: At 36 lacs the cost of money at 10% is 3.6 Lac Rs per annum, i.e. 30K per month. You are paying 17k, which is about 5.7%. So your incremental cost is only about 13k or 4% of the cost of the property. You should buy the shop if there is even 6-7 % capital appreciation in the shop prices in your area on a yearly basis.

For more tips on entrepreneurship please follow me on linkedin: www.linkedin.com/in/baqar-iftikhar-naqvi-34b27a4
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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Is it good to invest in a shop in food court located inside a commercial building with office space in noida as a investment.also the builder is assuring fix rental incomw
Ans: Investing in a shop in a food court within a commercial building in Noida might seem tempting due to the assured rental income, but it's essential to consider the risks involved:

Lack of Regulation: The rental assurance provided by the builder may not be regulated by any governing authority. Thus, there's a risk that the builder might default on their promise.
Lack of Liquidity: Unlike stocks or mutual funds, real estate investments, especially in commercial properties, lack liquidity. It might be challenging to sell your shop quickly if needed.
Assurance Not Guaranteed: While the builder may assure fixed rental income, there's no guarantee that this assurance will hold in the long term. Economic downturns or changes in market conditions could affect rental yields.
However, if you're comfortable with these risks and believe in the potential of the location and the project, investing in a shop in a food court could offer long-term returns. Ensure thorough due diligence, including understanding the terms of the rental agreement, assessing the demand for commercial space in the area, and considering potential future developments that could impact the property's value.

It's always advisable to consult with a Certified Financial Planner or real estate expert before making any significant investment decisions. They can provide personalized advice tailored to your financial goals and risk tolerance. Remember, diversification is key to a well-rounded investment portfolio. Good luck!

..Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

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Money
Me and my father look after a food and beverage shop( sweets and snacks). The property is our own it's around 2200 sqft on a prime location . Now after already running it for more than 30 years we are planning to wind up the business and sell out the land which will earn a sum of rs 6 cr+ to us. And after that we plan to invest that money into different sectors( like land, real estate, equity and FDs). Other option is to mortgage the property and renovate it and put it on rental income which can yield us around 1.2 lacs per month. Now we are little confused as which option to choose. Renovation cost is around 50 lacs and winding up business is due to manpower issues. Also please explain as we sell the property and get 6 cr in hand how do we plan out investment so as to save tax mostly.
Ans: Evaluating Current Situation

You and your father run a food and beverage shop.

You own the property, which is 2200 sqft in a prime location.

You plan to sell the property for Rs. 6 crores or renovate it for rental income.

Renovation cost is around Rs. 50 lakhs, and rental income can be Rs. 1.2 lakhs per month.

Manpower issues are prompting you to consider winding up the business.

Your goal is to invest the proceeds wisely and save on taxes.

Option 1: Selling the Property

Selling the property can provide a lump sum of Rs. 6 crores.

This option can simplify your financial management.

You can invest the proceeds in diversified sectors.

Option 2: Renovating for Rental Income

Renovating can cost Rs. 50 lakhs.

It can generate Rs. 1.2 lakhs per month in rental income.

This provides a steady income stream but requires management.

Tax Considerations

Selling the property will attract capital gains tax.

Investing in specified bonds can save on capital gains tax.

You can also reinvest in another property to save on taxes.

Diversified Investment Plan

Mutual Funds

Invest in mutual funds for growth and income.

Consider equity mutual funds for long-term growth.

Hybrid funds can provide a balance of growth and stability.

Systematic Withdrawal Plan (SWP)

Use SWPs for regular income from mutual funds.

SWPs offer tax-efficient regular withdrawals.

Fixed Deposits

Invest in FDs for secure returns.

FDs provide stability and guaranteed returns.

Avoiding Index Funds

Index funds track the market but lack active management.

Actively managed funds can outperform index funds.

A Certified Financial Planner can provide tailored advice.

Avoiding Direct Funds

Direct funds seem cheaper but need professional guidance.

Regular funds, through a Certified Financial Planner, offer expert management.

Final Insights

Selling the property can provide a large corpus for diversified investments.

Renovating for rental income provides a steady cash flow but involves management.

Diversify your investments for growth, stability, and tax efficiency.

Consult a Certified Financial Planner for a detailed, personalized plan.

Appreciate your long-term planning and proactive approach to managing your assets.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...Read more

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