Hello Roopashree.
I went through a cervical spine surgery way back in 2017 and I do have stiffness and axial pain in my upper shoulder and in my left hand. Can I do the Suryaassan?
I will appreciate if you can help me.
Regards, 
Sanjay

Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

Ans: Hello

You have two skills L&D trainer and Music teacher which is a good advantage.

Suggest you explore offering your services through online channel and see where your heart is. Basis that you can decide which one you would want to pursue - L&D or Music or if you enjoy both you can pursue them together as well.

All the best

Ans: You may wish to speak with a financial planner on this topic...

ps: hope you are financially independent.

Ans: Yes, in this scenario, you will likely incur capital gains tax when you sell the land.

Here's why:

• Gifts are exempt from receiving taxes: When your brother gifted you the land in 2010, you weren't liable to pay any tax on receiving it.
• Tax on sale of gifted property: However, when you sell the property you received as a gift, capital gains tax applies to the profit earned on the sale.

Calculating Long Term Capital Gains (LTCG):

Since your brother purchased the land in 1983 and you sold it in 2024, it qualifies as a long-term capital gain (LTCG) assuming you held the property for more than 2 years.

Here's a simplified formula to estimate the LTCG (consult a tax advisor for the exact calculation):

• LTCG = Sale Price - Indexed Acquisition Cost
• Sale Price: Rs 1,40,00,000 (Given)
• Acquisition Cost: Rs 0 (Gifts typically have an acquisition cost of Rs 0)
• Indexed Acquisition Cost: Acquisition Cost * (Current Year Index / Acquisition Year Index)

Indexation Benefit:

• Indexation helps adjust the acquisition cost for inflation, reducing your tax burden.
• You'll need the official government published ‘Base Year Index’ for 1983 and 2024 to calculate the indexed acquisition cost.

Example (using hypothetical index values):

Let's assume (for calculation purposes only) the base year indices are:

• 1983: 100
• 2024: 630 (This is a hypothetical value, you'll need the actual index for 2024)
• Indexed Acquisition Cost = Rs 0 (Acquisition Cost) * (630 / 100) = Rs 0
• LTCG = Rs 1,40,00,000 (Sale Price) - Rs 0 (Indexed Acquisition Cost) = Rs 1,40,00,000

Tax on LTCG:

LTCG on land is currently taxed at 20% with indexation benefit.

In this example (assuming the above index values), your LTCG tax would be Rs 1,40,00,000 * 20% = Rs 28,00,000

Disclaimer:

This is a simplified explanation for illustration purposes only. Consulting a qualified tax advisor is recommended for accurate tax calculations and to consider any specific aspects of your situation. They can guide you through the intricacies of property tax laws, exemptions, and filing requirements.

Ans: Hotel Management has various departments, if you have good communication skills then probably hospitality sales will be with in time frames and more rewarding..!

Ans: Age is just a number, what's gone is flushed down.
Understand History is a mystery, future is un-predictable,PRESENT is a gift you must give yourself.

There must be some reason you want to to study fashion design and tailoring..do you like it.. do you have the aptitude.. Are you comfortable, have some exposure... then look at the opportunity!

Computer's & mobile telephony are an evergreen area as of now..!? Especially after sales service!?

But yet to see clothes going out of fashion.. It's totally need based !

Ans: There are a plethora of IIT'S & NIT'S too if you are not to particular on which one
The GATE Biotech Cut Off for IIT Madras for the General Category is 34.89.

The opportunity on both these subjects have been big.
The methodology to select is the aptitude of the candidate,his comfort zone..!?
Next to employment scope of the respective specialisation and what does he aim as a career.
Food for thought!?

Ans: Well so you are a dentist ..it's a profession where you get a decent sum per procedure.

Hope you are working as a dentist if you are still finding the payoff not commensurate with the efforts and revenue generated, sure must look for a change.

I really don't know your city, but today besides dental hospitals,regular hospital's need dentists too.. Especially during accidental cases.
Further a lot of dental clinic chains have started too, paying decent salaries.
Do your online search apply
.
You could alternatively go to education institutions hold dental health camps... so many patients even a small sum of ?100 x 32 patient's possible at 15 minutes per patient over 8 hours take home ?3200 per day

Ans: There's a lot of confusion diploma backlog,not in engineering.. Lacks clarity..!

However do find out by visiting the respective university websites and the entry level qualifications they are admitting students!