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Baqar Iftikhar Naqvi |112 Answers |Ask -Follow

Start-up Mentor - Answered on Apr 17, 2023

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

Question by REGINA on Mar 09, 2023Hindi

Career

Hi , I want to start online coaching classes and have an online business which will earn me crores ?how should I go about?I was taking home tuitions previously

Ans: Many online platforms allow you to take online coaching classes and directly take money from students. If you have hold over your subject, even the online edutech businesses like byjus , vedantu etc can pay you handsomely

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Chandu Nair |65 Answers |Ask -Follow

VC, Angel Investing, Entrepreneurship Expert - Answered on Nov 27, 2023

Asked by Anonymous - Nov 23, 2023Hindi

Career

Hello Mr. Nair, I intend to start Defence coaching academy. My father is a retired Army Officer and running his coaching at a small scale operating from home. My idea is to scale it up by taking space on rent . I also want to go for on-line coaching. Need your advice on how to go about it so that the venture is successful. Thanks

Ans: You have not given me any idea of your background or how you intend to finance this. There are several such coaching classes and companies already existing online and offline. Pl study the market thoroughly and understand what exactly it is that you offer which is compelling for which target segment, how large that segment is, and other details. Also study existing competition and how strong they are. Based on all this, you can come up with a plan. Best of luck.

Chandu Nair |65 Answers |Ask -Follow

VC, Angel Investing, Entrepreneurship Expert - Answered on Nov 27, 2023

Asked by Anonymous - Nov 23, 2023Hindi

Career

Hello Mr. Nair, I intend to start Defence coaching academy. My father is a retired Army Officer and running his coaching at a small scale operating from home. My idea is to scale it up by taking space on rent . I also want to go for on-line coaching. Need your advice on how to go about it so that the venture is successful. Thanks

Ans: You have not given me any idea of your background or how you intend to finance this. There are several such coaching classes and companies already existing online and offline. Pl study the market thoroughly and understand what exactly it is that you offer which is compelling for which target segment, how large that segment is, and other details. Also study existing competition and how strong they are. Based on all this, you can come up with a plan. Best of luck.

Baqar Iftikhar Naqvi |112 Answers |Ask -Follow

Start-up Mentor - Answered on May 06, 2024

Question by Gunjan - Apr 15, 2024Hindi

Career

Hi Sir I am 40 years old previously I have done MA, B. ED previously I was running a play school in partnership where I have earned around 40k in a month. But now partnership has broken and I have removed from there and have no income. As our financial condition is not good so I want to start my career again but I am not sure what to do should I look for a job or I start my own business. As I don't have corpus to start or invest in a business also I am not sure where I can get a job. Is there any course which can help me to get a job. Request your suggestion.

Ans: Leverage your skills in managing the play school at a relelvant place. Get a job at another play school, school etc. People with skill and hunger to do something are an asset for every organization. So dont loose heart and search for a job.

Chocko Valliappa |475 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Babita - Apr 25, 2024Hindi

Career

Hello Sir I am name is Babita Garg.I am 38 yrs old .I am MBA with finance and marketing.I was a senior branch manger in HDFC Bank .I have banking experience of 15 yr with salary of Rs 1 lac .But due to death of my mother in law ,I have left my job before 7 months for take care of my kids and family. Now I want to do some online business flexible which I can manage as per my time availability.Can you help me some online business,so that I can earn handsome amount?

Ans: I suggest that you look at the option of getting back Banking industry to best use your experience. And engage one or more helping hands to look after children, handle kitchen etc. Online business with casual working hours at home are not likey to bring the same results as working in an office.

Latest Questions

Milind Vadjikar |995 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 10, 2025Hindi

Money

I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfill my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below. 1. Should I consider buying 100% annuity. 20% withdrawal does not make sense 2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.). 3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit. 4. Should I consider the Shriram life insurance. 5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity. 6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%) 7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)

Ans: Hello;

Point wise answers to your queries as given below:

1. Yes.
2. Yes.
3. If you do monthly annuity the rate will be lower but you get monthly payouts. In yearly the rate will higher but only one shot payment per year so it depends on your preference.

4. Cannot comment on suitability of xyz firm.

5. Consider an insurer which has good capital adequacy, growing profitable business, preferably listed, reputation of the owner/group apart from decent annuity rates on offer.

6 & 7. My suggestion would be to opt for annuity for life with ROP to your nominee. Ultimately it is your call.

Please have adequate healthcare insurance cover.

Best wishes;

Milind Vadjikar |995 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 10, 2025Hindi

Money

Dear Sir, I seek your guidance regarding a financial matter related to a VIP trading account operated through a WhatsApp group. There are numerous VIP trading accounts in WhatsApp groups, including those associated with UPSTOX, particularly under Mr. Milan Vaishnav and Ms. Pallavi Gandhi. I invested ₹20 lakhs in this account; however, I have not seen any progress in terms of trading or withdrawals. Additionally, they are now requesting further investments for block trading and IPO participation. Given these circumstances, I would like to know if I can recover my funds with the assistance of Cyber Crime and SEBI. Your advice on the appropriate course of action would be highly appreciated. Looking forward to your response..

Ans: Hello;

General Comments:

This tendency to get rich quickly(nothing wrong with it) is okay but in that quest people make terrible mistakes and realize their loss when it is almost too late.

Only appropriate way to get rich in a short time is to start your own business and scale it up fast. It needs smart hardwork and little bit of luck. We have many start-up founders in their early thirties already multi millionaires. Let's leave lottery, FNO, ancestral wealth etc , out of purview.

Specific Comments;

You must complain to the Police and SEBI/RBI urgently to recover your capital.

Do not fall for such gimmicks henceforth.

Best wishes;

Inderpaul Singh |7 Answers |Ask -Follow

Leadership Coach - Answered on Feb 10, 2025

Question by Manan - Jan 18, 2025

Career

I graduated with a BBA in 2022, and since then, I’ve been on a thrilling two-year adventure at an MNC. But guess what? I decided to resign in March 2024 because, you know, who doesn’t love a little drama at work? Now, I’ve managed to burn through all my hard-earned savings like a pro, and here I am, utterly confused about my future. Sometimes I think about leaving India—maybe for studies or just to escape and do some mindless job somewhere. Other times, I dream of retreating to the most remote corner of India and living off the grid. I’ve always been pretty good with technology, snagged a degree, and even racked up some work experience. But now? I’m completely lost on where to start over. I’ve scoured countless articles and advice columns, but they’ve been about as helpful as a chocolate teapot. I’m just looking for that life-changing advice that seems to be in short supply. Turning 24 this year!

Ans: Hello Manan,
My simple advice to you would be to get back to some job while you can continue to ponder over your long term goals/passion/pursuits.
Sitting idle (with no funds) at home won't help & it is not going to do any good to your career/life plans.
Simultaneously you can continue to do introspection & chalk out a proper plan as far your larger life goals are concerned.
Say you earnestly wish to pursue higher studies than you need to get yourself these answers 1) Why you need a higher degree in first place ? 2) Will it help you to get job/career of your choice? 3) If yes, then shortlist some relevant good courses & start exploring admit process etc. 4) Meanwhile do account for funds that will help you to time your break from the job (savings, loans etc.)
Likewise ask yourself questions for each option you have in mind & be honest in responses, that will help you to zero on your real aspiration & then do the proper detailing/planning. This may entail some compromises in short term but will certainly pave your way to achieve long term goals.

Best of Luck!

Major Inderpaul
HR Expert, Life & Relationship Coach

Inderpaul Singh |7 Answers |Ask -Follow

Leadership Coach - Answered on Feb 10, 2025

Question by Ganpati - Dec 31, 2024Hindi

Career

I am currently working as a General Manager civil projects, Looking to change for the job but during interview its facing some difficulties like fluency in English. What is solution over it? I am technically very strong but due to this problem my confidence level getting down. Please suggest me.

Ans: Hello Ganpati,
While I understand that most interviews are conducted in English and fluency does help in getting good impression. However, unless job under consideration demands so, lack of it should not deeply hamper your chances if you are otherwise competent & able to present so in a different language.
In fact, most sensible interviewers do ask the language comfort of interviewee & even interviewee is free to express that upfront.
Having said that, since English happens to be the most common medium of communication at workplaces, a decent hold will certainly do no harm to your overall career prospects otherwise. Hence I suggest that you do not limit this to the interview rather make a concerted effort to improve your language skills in general. There are ample online/offline options available nowadays to groom such skills.

All the Best !

Major Inderpaul
HR Expert, Life & Relationship Coach

Dr Dipankar Dutta |754 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 10, 2025Hindi

Career

Hello dear sir, I gave the 12th state board exam in 2024. I have given jee main three attempts I haven't given jee advanced exam yet . I have got less percentage in 12th , So will I have two more attempts for JEE Advanced? after doing 12th from state board and CBSE board?

Ans: Your question is not clear to me. Yes you can give JEE exam three times.

Ravi Mittal |526 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 08, 2025

Relationship

I am a married man of 47 years old having one child.Recently I have developed strong emotional soulmate type feeling towards a girl who is just 19 years old.I just met her twice.Since then she is always in my mind.I chat with her.Sometimes she blocked me then after my request she unblocked me.I feel she avoids me.Whenever she needs me then she contact me.She rarely respond to my phone calls.What should I do.I tried my best to forget her but can't.Even if I think I should marry her in future.I feel no life without her.I feel I have met with my soulmate.Please give me strong advice effective for u harmful future.

Ans: Dear Anonymous,
What do you mean by "marry her in the future?" Aren't you already married? Are you planning on divorcing your wife? Because that's the only way you can marry this person you have only met twice and is also barely an adult.

I would suggest focusing on your marriage and your kid. If necessary, speak to your wife and figure out what's lacking in your marriage that you are seeking romantic feelings outside of it. You can even consider seeing a marriage counselor. Doing what you are doing without your partner's knowledge isn't moral.
Hope this helps.

Ravi Mittal |526 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 08, 2025Hindi

Relationship

Hi i have been in a relationship for 4 years nd i want to marry him but my parents are not accepting even if I no job at all now nd they want to keep my pic in a matrimony website want should I do

Ans: Dear Anonymous,
It is truly important for all, regardless of their gender, to have financial independence. So, I would first suggest you focus on getting a job. And then you might have more strength in your proposal to marry the person you love, and even your parents will know that you can take care of yourself in case the alliance does not go well. I know it hurts you that your parents are not considering your feelings, but I urge you to understand that they are doing everything in your best interest.

Hope this helps.

Ravi Mittal |526 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 08, 2025

Relationship

Me and my girlfriend we both are in relationship from about last 2 years (almost). After such a long time I got to know that she had 2 relationships before me that too she didn't told I got to know it by third person she was sexually involved too (not intercourse but yes other things with one of them)... When I asked her that why you didn't told anything to me before she said she was scared that if she'll tell it to me so I'll leave her and she really did not wanted that... She was scared to loose me. And she was still in contact with that guy and when I asked her that why you were still in contact with him (it's been around 3 years they got separated) so she says that she is like that only... She can't deny anyone because of her soft hearted nature but she did not had any feelings for him. She also said that once she even went to meet him when he requested to meet and also on the same she claims that her soft hearted nature has done that she wasn't able to deny. I loved her too much but now all these things are hurting me like anything. (She is my first relationship before her i never had anyone)

Ans: Dear Anonymous,
I understand that you are hurt and the complexities of the hearts might be difficult sometimes to grasp. The first reason for your sorrow, her past relationship, and the fact that she was physically intimate with them is not completely justifiable. Though I understand that you feel hurt because she did not disclose it to you, still it should not matter so much as to ruin your present relationship. And whether she will open up about such sensitive details is actually up to her. It has nothing to do with how much she loves you or trusts you. Please understand that.

Now coming to the next thing, the fact that she is still in touch with them and has even met one of them, that is slightly concerning. It would have been okay if she did that openly- please understand that I am not saying she should have asked for your permission, but rather discuss the same with you. Moreover, in a relationship, it is also important to understand how much your partner is comfortable with- goes for both men and women. If you are uncomfortable with her relationship with her exes, she should consider that. I would have said the same if the table was turned. I suggest you have a clear conversation with her and express how you feel about this situation- depending on how she reacts and how the conversation goes, you both can think about the next step.

Hope this helps.

Archana Deshpande |100 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Feb 10, 2025

Question by Mugundu - Feb 08, 2025Hindi

Career

What are all the 5 soft skills

Ans: Hi!!

This was my article in Rediff on world Youth Skills Day.... hope this helps !

https://www.rediff.com/getahead/report/world-youth-skills-day-5-skill-lessons-for-you/20240715.htm

All the best!!

Mihir Tanna |1005 Answers |Ask -Follow

Tax Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

Hi Samkit, I am planning to shift to new tax regime. Could you please let us know if the salary paid to driver or the fuel expenses are considered in new tax regime?

Ans: Salary paid to driver and fuel expenses by employee, reimbursed by employer was never part of income. Said reimbursement was not an income if car is used purely for official purpose and car is owned by employee.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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