Hi Ms. Nidhi Gupta, I have a pain in the heel bone of left foot. I don't have a flat foot. I walk regularly. My uric acid was at 6. The physician advised me a medication for 3 months, I completed it but the heel pain is not going away. Please advise a remedy. (the pain killer effect remains 72 hours).

Ans: It looks like you’re clear about your decision, but the challenge is aligning it with your family’s expectations. Given the uncertainty around your sister’s situation, waiting for four years isn’t practical for you and your partner. A court marriage seems like a solution, but how you communicate it will shape how your family reacts.
What’s the core reason behind their hesitation - tradition, societal norms, or concern for family dynamics? And how can you address it in a way that reassures them while staying true to your own timeline?

Wishing you success,
Aamish Dhingra
ICF-PCC Certified Life Coach
Co-Founder, Cocoweave Coaching International, Delhi

Ans: Hello;

It is okay if you are quite sure that the 10 L sum kept aside for medical emergencies, if any, will not be consumed for some other need.

This is what typically happens and then may encounter health criticality without funds for it.

You may shop around online and also check with government general insurance companies.

Hopefully GST council expedites it's decision to eliminate or reduce GST applicable on health insurance.

In my view, it is better to have a health insurance cover and deploy your funds to generate optimal returns.

Ultimately it is your choice/preference.

Best wishes;

Ans: Your financial position is strong. You have multiple income sources and no loans. You are also constructing a new house with rental units.

The key question is whether selling the Bangalore property is a better financial decision. Let’s analyze from different angles.

1. Financial Stability and Liquidity
You already have a steady rental income from multiple properties.

Your investments are diversified across mutual funds, stocks, fixed deposits, and provident funds.

You have sufficient funds for the new construction.

There is no immediate need to sell for liquidity.

Keeping the property may provide stable, passive income for years.

2. Rental Income vs. Alternative Investments
Rental Yield Analysis
Your Bangalore property generates Rs 50,000 per month, or Rs 6 lakh per year.

If the property value is Rs 2 crore, the rental yield is 3% per year.

Rental yield in prime locations is typically between 2% to 4%.

Comparing with Interest or Market Investments
If you sell the property for Rs 2 crore and invest in fixed-income options, you may earn:

Fixed Deposits: Around 7% per year (Rs 14 lakh per year).

Debt Mutual Funds: 6% to 8% per year (Rs 12-16 lakh per year).

If you invest in mutual funds or stocks, potential returns can be 10% to 12% per year (Rs 20-24 lakh per year).

These returns are higher than the current rental yield of 3%.

Selling and investing can generate better cash flow than rental income.

3. Capital Appreciation Potential
Bangalore's real estate market has shown strong appreciation over the years.

Prime locations near IT hubs tend to see price growth.

If property prices rise faster than market investments, holding it may be better.

If growth is slow, selling and reinvesting in financial assets makes more sense.

Research the expected appreciation for the next 5-10 years.

4. Tax Implications of Selling
Capital Gains Tax
If you sell, you will incur long-term capital gains tax.

The tax is 20% on gains after indexation.

You can reduce tax by reinvesting in another property under Section 54.

If not reinvested, your net proceeds will reduce due to tax.

5. Diversification and Risk Management
You already have multiple real estate assets.

Real estate is illiquid and requires maintenance.

Selling and reinvesting in liquid assets increases flexibility.

If rental demand declines, income may be affected.

If you want to reduce real estate exposure, selling is a good option.

6. Future Rental Demand and Market Trends
Bangalore’s IT sector drives rental demand.

If IT jobs continue to grow, rental demand will stay strong.

Remote work trends may affect demand in the long term.

Check vacancy rates and rent growth trends before deciding.

7. Personal Preferences and Lifestyle
If managing rental properties is a hassle, selling may be better.

If you prefer stable and passive income, keeping the property is fine.

If you plan to use the property in the future, holding makes sense.

If you prefer liquidity and financial flexibility, selling is better.

Final Insights
Your financial position allows flexibility in decision-making.

If capital appreciation is strong, holding the property is beneficial.

If rental growth is slow, selling and reinvesting in financial assets may be better.

Consider tax implications and reinvestment options before selling.

If you prefer liquidity and higher returns, selling is a good option.

If you want stable rental income, keeping the property is fine.

A Certified Financial Planner can help with tax-efficient investment planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello dear
There are strong chances of getting admission to B.Arch. @ NITs. Best of luck for your upcoming future.

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Radheshyam

Ans: Hello Mount.
There are chances to get admission to NIT but participate in the JOSSA counselling process carefully. Your son may admission to newly formed NITs but not in top tier NITs.

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Radheshyam

Ans: Hello dear
Here are a few steps: (1) Choose any one language from Section IA of CUET. (2) Select Mathematics and Physics from Section II. (3) Opt for the General Test in Section III, as some universities consider its score for admissions.
Best of luck to your upcoming CUET exam.

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Radheshyam

Ans: Hello I
There are low chances of getting admission @ NIT with this score under EWS.
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Radheshyam

Ans: Hello dear
With a score of 150, you were certain that you would not be admitted to any medical colleges, except for private ones. I believe you wasted the year by anticipating everything that could happen. The reason the admission process kept getting delayed was merely an attempt to elicit sympathy from you. You squandered your valuable time. Now, begin preparing for the upcoming NEET and aim to score at least 550 marks. Best of luck on your upcoming exam.
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Radheshyam

Ans: Hello Randmo_Prime
You can get admission to the best colleges and branches with this percentile. But difficult to suggest the names of the best colleges and branches as you did not mention to which state you belong. But, in your home state, you will get admission to reputed colleges / NIT/IIIT etc.

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Radheshyam