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PDF Editor FAQ

Which one is good, buying an apartment or a villa in Bangalore?

My answer: it's a bad idea to buy a flat !!Buying a house is always an Emotional Decision, if you’re gonna think emotionally then you will overrule the business formulas involved.Now let's be honest about the investment we make to buy a flat, let's say you want to buy a good flat in Bangalore which will cost you anything between 80 lakh to 1cr. Let's keep you make a decision to buy a flat for 1cr (all-inclusive reg + interior etc) say now you want to make a down payment of Rs 20lakh and remaining 80lakh for a housing loan.Your financials :EMI at 8.35% = ₹ 68,668/-Down payment = ₹ 20,00,000/- which will earn (10,000/-) on FD at 6% interestOn a total your spending = ₹ 78,668/- per month x 20years amounts to 1,88,80,320 (1.89cr) you will end up paying ₹ 89 lakh as the interest !! Property tax + Monthly Maintenance + Renovations + miscellaneous etc I'll leave that to your own calculation.Finally, after 20years of hard struggle, you get an old flat. The price tag then might sound high but the inflation makes the value more or less the same or even lesser.What did you gain ?? Emotionally- this is my own houseWhat did you lose ?? Your 20years of financial adjustments you made to buy the flatA simple way to calculate between a good and bad investment: anything that puts money to your pocket is an ASSET & anything that takes money out of your pocket is a LIABILITY - ROBERT KIYOSAKI.Since the flat your buying is constantly taking money out of your pocket, it's clearly a Liability. Once a house loan on your name, it's going to take the larger share from your pocket for the rest of your working age.Now if you had made investments on businesses or getting a good rental income from other properties then you might go for it, still it's not a wise decision to spend 78,668/- per month when you can rent the same property for 25,000/- (no maintenance + no property tax + no renovations etc)TIP: Invest that down payment of ₹20 lakh on a business which can give you 2% return per month say about ₹ 40,000/-. Rent a flat in the same community you wanted to buy a flat for ₹25,000/- and re-invest the remaining 15,000/- and manage your financials.KARTHIK NAIDUFounder & CEO - White Petals SchoolsFranchise Business CoachEdupreneur - Educationist - Entrepreneur

Which is the best play school?

Pretty petals schoolThe motto of the pretty petals school in Lucknow, Uttar Pradesh is to provide an ambiance and atmosphere appropriate to the young kids and an individualistic approach. Our main ethos is to provide the highest quality of childhood education at the daycare centers in a safe & loving environment based on our fundamentals. Enquire, Explore & Experiment. Our play schools and preschools in Lucknow promotes learning programs primarily through music, art, drama, dance, indoor and outdoor activities, and adventure.Pretty Petals school is the best playgroup school in Lucknow. pretty petals playgroups in Indiranagar and playgroup in Vikas Nagar Lucknow both are best pre-nursery school in Lucknow. Granting information through books isn't our method for getting ready kids for confronting this present reality. Truth be told, encounters from this .present reality are what we bank on to improve our understudies' procedure of comprehension. Pretty petals school is providing Best day boarding school in Indira Nagar. The whole family could meet up and play indoor or open-air amusements to make some affectionate recollections.people in Indiranagar can easily search for play school near me or kids play school on google to find best play school in Indiranagar.WHY LOVE USTEACHING EXCELLENCYSAFE AND SUPPORTIVEINTERNATIONALLY ACCLAIMED PROGRAMSHIGH-QUALITY GAMESHYGIENE PRACTICEWhere are weADDRESS: B-2474, Indira Nagar Rd, Sect C, B Block, Indira Nagar, Lucknow, Uttar Pradesh226016Ph.: +91 8010600900Email:[email protected] Play School in Lucknow - Kids play school - Pretty Petals School

Do schools kill creativity? When most kids attend school, do they lose capabilities such as the ability to create new things or solve problems in an original way?

In my personal experience, yes.Pic 1: I love this one!I used to live in Kharagpur, India and was in kindergarten. The teacher gave us a test, which included fill in the blank questions and an outline of a flower. I got a 9/10. Since I couldn't find a cross on the paper, I asked my teacher what it was that I had done wrong. She told me that she had deducted 1 mark because I had filled each petal of the flower with a different colour. As a 5 year old, I was stunned! All I could see was how beautiful the rainbow coloured flower looked.Pic 2: I had coloured the flower like this.Anyway, as I got older I found out that flowers can have multicoloured petals. Infact, you can probably harvest one at home (Rainbow rose)! So the imagination/creativity of a 5 year old was not wrong (Can it ever be?). Though this incident happened more than 20 years back, it still reminds me of how disappointed I felt for having been penalised for thinking out-of-the-box.

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