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Hot Property Destination of 2015 – Mumbai, Delhi, Banglore

Shitanshu Kapadia
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Hot Property Destination of 2015 – Mumbai, Delhi, Banglore

property market

Property market is on the phase of recovery. Formation of stable government and its plan to build 100 new smart cities is preliminary reason for this recovery.

2015 is expected to be better year for property market. According to PwC report titled as “Emerging Trends in Real Estate Asia Pacific 2015”, Mumbai, Delhi and Banglore will be hot property destination of 2015.

Among 22 cities surveyed in this report ranking for these three cities are improved considerably compare to previous years.

Hot Property Destination of 2015

Mumbai –

Mumbai is on 11th position this year. In 2013 Mumbai was on 20th position. This jump in ranking indicates that situation is improved. Sentiment towards real estate has picked up significantly this year. Major reason is improvement in local business condition due to formation of stable government.

Ground reality in Mumbai is largely unchanged. Office prices remain stable. Rents have been stagnant for several years, but are now showing signs of moving up as local businesses become interested in rolling out expansion plans.

Mumbai

Delhi –

Delhi is on 15th position this year, last year Delhi was on 21st position. In Delhi NCR region demand was stagnant in 2013, but now showing sign of improvement. Leasing activity in office space nearby NCR has enjoyed positive rebound since 2014 national elections.

Prestigious DMIC – Delhi Mumbai Industrial Corridor project and Smart City project by central government will boost real estate sector in Delhi.

Delhi

Banglore –

Banglore is on 17th position, earlier banglore was on 19th position. Business park for multinational outsourcing purposes is dominant theme of Banglore. Rent and capital value is increasing in banglore steadily over last few years.

Due to increase in job opportunity residential requirement is also increasing in Banglore. Online shopping trend is increasing. “Some of the large e-commerce firms like flipkart, jabong have been building distribution centers in Bangalore. As IT hub Banglore is first target market for consumption. This trend is also visible in Mumbai and NCR. E-commerce is one of the largest space occupier business not just for office space, but also for logistics and warehousing.”

Banglore Property

Do share your views on above.

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Hot Property Destination of 2015

Crore Rupee package for IIT & IIM students is it really worth?

Shitanshu Kapadia
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Crore Rupee package for IIT & IIM students is it really worth?

crore pay

We keep on hearing news that students from IIT and IIM got pay package of crores of rupees in MNC. Recently social networking site Facebook hired three students from IIT Mumbai and two students from IIT Khargapur during pre-campus recruitment. Pay package of these students is in range of 1.42 crore to 2 crore. Do you think Crore Rupee package for IIT & IIM students is it really worth? Let’s take a closer look on this matter.

Salary package offered in recent placement season is not range of 1 Cr+. This package is in range of 110K-125K $ including variable components. The rest of the package is in form of Restricted Stock Units (RSU) or Employee Stock Option. This RSU or ESOP is will be given to the candidates over a period of four years. The current valuation of these RSUs is taken in to account while offering pay package, which is not correct.

Average salary offered to software engineer in USA is in range of 90K $ to 115K $. Same salary is offered by USA based companies to hire students from IITs in India. This pay package sounds huge as we convert this package in to Indian rupees. While converting this pay package to INR we forget to consider cost of living at USA, which is very high.

Another big problem which these students face is getting H1B visa to work in USA. If we consider current trends of H1B visa it is purely based on luck. Last year the visa process opened and shut before they could get their degrees, forcing them to work at Indian offices of these companies at much lower salaries than advertised.

Source:- Quora

It is also reported that two three students have rejected these offers. Few reasons for rejecting higher salary job are given below.

Problem of Taxation

First reason reported for rejection of these jobs is problem of taxation. Higher the package higher is tax burden. Tax will be straight away deducted from salary, bringing pay package at lower scale.

Package Includes Stocks

Second reason for rejecting this job is this pay package includes stock option RSU & current valuation of these RSUs is taken in to account while offering pay package.

I don’t want to work for money- Want to do Business

Very few students say that they don’t want to work for money; they want money to work for them. Yes they rejected job because they want to become entrepreneur by doing business.

Job is right fit?

Few had problem that this job is right for them or not.  They worried about new location and job position.

Reason of writing this article is to guide you that don’t just get carried away by hearing news of IIT and IIM student is getting Crore Rupee package, also check is it really worth?

What is your take on above?

Chanakya Niti and Financial Success

Shitanshu Kapadia
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Chanakya Niti and Financial Success

Chanakya Who was He? Born in 4th century B.C in India, Chanakya was also known as Vishnu Gupta and Kautilya. Throughout the century scholars have described Chanakya as a rare mastermind who became an expert in varied and specialized fields like management, economics, politics, military tactics, law, Leadership, management, governance, accounting system, and several others. The 600 sutras of Kautilya Arthashastra have been classified into 15 books, 150 chapters, and 180 topics by Chanakya himself.

Chanakya documented his lifelong work in his book Kautilya Arthashastra, Chanakya Niti, and Nitishastra which is referred today also by many people across the world. Chanakya Niti book gives various sutras/niti for financial success. So here are Lessons from Chanakya Niti for Financial Success.

chanakya niti financial success

Chanakya Niti for financial Success

#1 Chanakya Niti for Financial Planning

“One should start a work only after adequate planning”

Before starting any work you should carry out planning same is applicable in the field of finance. You will not gain financial success without planning.

“A well-planned work produces good results, even in adverse conditions”

Chanakya Niti says that if your work is well planned it will surely produce a good result. In a bad market condition if your plan is in place you are likely to gain more profit.

“The planning is like the light that shows the path in darkness”

Planning will always help you in adverse conditions. E.g if you have not made any emergency funds you can suffer badly in emergencies.

DIY – Free Financial Planning Tools – Recipe

#2 Chanakya Niti for Risk Assessment

“One should weigh one’s capacity before starting a work”

You should carry out a risk profile assessment before starting any investment. A risk assessment will help you in formulating your investment strategy.

“One should wear ornaments according to one’s financial capacity”

You should spend money according to your income and capacity. Overspending will kill you.

#3 Chanakya Niti for Investment planning

“There is no jewel without some distortion”

This Niti says that as you will not find a jewel without distortion you will not find an investment option without limitation. Try to find out the limitation and make an informed decision before investing.

“When there are many options, one should select the work which has sustainable value”

Today we have many investment options in the market, but you should select investment options that are stable and have sustainable value.

“Goddess Lakshmi abandons them who start a work without examining the opportunities”

Chanakya Niti says that you should always examine opportunities before starting any work. If you start work without examining opportunities wealth will not come to you.

“One, who wishes to get milk, would not buy an elephant”

This niti is applicable for investment selection. You should study and invest only in investment options that are as per your financial goal, don’t invest money without a goal.

“Accumulated wealth is saved by spending well in business or in charity or by investing it profitably, just as a reservoir is kept fresh by letting out the stagnant water”

You should always look for investment opportunities and invest suitability. You should invest extra money rather than parking it in a savings bank account.

Chanakyaniti

All these important financial elements and sutras which we used today were discovered by Chanakya several years back.

This article is a tribute to the great laureate of economics “Kautilya or Chanakya” for providing detailed guidance on finance & management centuries ago which is true even today.

Don’t forget to share this piece of wisdom with your friends and allow them to learn Chanakya Niti.

7 ways people use to invest their money

Shitanshu Kapadia
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0
7 ways people use to invest their money

invest money

You invest money to secure your financial future, but do you think before investing money? Investing money in right asset class at right time is very important for achievement of you goal. Your ability to invest money in right asset class depends upon your financial knowledge, analysis, your time, motivation and what type of advice you receive.

 Today I will share with you 7 ways people use to invest their money. Let’s checkout which way do you use and why?

7 ways people use to invest money

  1. Invest money on your own

First way is to invest money on your own. You carry out study, analysis and take decision to invest in right asset class. Here you are acting as independent entity and taking decision on your own based on your wisdom. This is best way to invest money. As you are taking decision on your own and it is informed decision in your favour.

  1. Invest on advice of friends and relatives

Second way to invest money is based on advice of friends and relatives. Today almost 60% investors fall under this category. They invest their money just by listening to advice. They don’t bother to carry out due diligence exercise before doing investment. This is most risky way to do investment.

  1. Invest money on Tips

These types of investors are usually found in share market. They invest their money based on so-called share market Tips. Sometimes this tips works but it is all depends on reliability of source from where you are getting this tips. It is not advisable to invest money on these tips.

  1. Invest money on broker’s advice

Another most common way people invest their money is based on advice of broker. This is most risky way of making investment because majority of time it is seen that broker is either inexperience or giving biased advice for his own interest. One should not make any investment based on broker’s advice.

  1. Invest on commission agent / Insurance Agent advice

Certain people invest money on advice of commission agent or insurance agent. They probably don’t know that commission agent or Insurance agent gets big commission for selling these products. This is another ineffective and risky way for making investment.

  1. Your Money Manager invest money on your behalf

You can appoint money manager to invest money on their behalf. Manager invests money according to specific plan, monitor portfolio on regular basis and make changes as per requirement. You will be observer to entire process and result.

  1. Invest by taking help from financial expert/financial planner

Another way people invest money is by taking help from financial expert or financial planner. These types of investors make proper financial plan and invest money as per financial goals. This is most suitable and advisable way for making investment.

So which way you should take for making investment. Take following quiz to get answer.

1 I have financial goals for my investments Y or N
2 I have financial Plan for investments Y or N
3 I have financial knowledge and capability to manage my investment Y or N
4 I have the time to manage my investments Y or N
5 I have motivation to manage my investments Y or N
  • If your answer is – Yes for all five questions, Bingo you are self sufficient & you can invest your money on your own.
  • If your answer is – No for question 1 and 2 than you need advice from financial expert or planner for investment.
  • If your answer is – No for all questions than you need money manager or financial planner for making investment.
  • Way 3 and 4, Investment based on broker advice and on tips is debatable as it is not ideal choice. If you have ample amount of money and you are ready for loss you can select those options.
  • Way 5, investing based on advice of insurance agent or commission agent is not advisable as commission is involved, agent will advice investment option based on his interest.
  • Way 2, investing based on advice of relatives and friends is risky and not advisable.

So, which way you prefer and why? Do share with us.

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