#flats i indore

[gurukripaproperties]

Ujjain road property ! Indore flat ! Indore Property ! Flat For Sale

[unforecasted-st0rm]

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My Home Adress:

Flat Number 5, i.d.a Building, L.i.g Complex, Scheme Number 54, Vijay Nagar, Indore, Madhya Pradesh, India, Postal Area Pin Code 452010.(Near: Sajdhaj Marriage Decorator, Vijay Nagar Malav Manglik Bhavan, i.d.a park1,Shahi bhog caterers,Behind domino's pizza, Sayaji hotel,Bhandari hospital,Shri krishna dairy).

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[madhurdreams]

How to Choose the Perfect Residential Plot in Indore: Your Ultimate Guide

Are you planning to buy a residential plot in Indore? With its rapid development and excellent quality of life, Indore is becoming a hotspot for real estate investments. Choosing the right residential plot can be daunting, but don't worry! All the information you require to make an informed choice will be covered in this handbook.

Why Indore?

Indore is known for its robust infrastructure, vibrant culture, and growing job opportunities. Its strategic location and connectivity make it a prime choice for real estate investments. But how do you find the perfect plot that meets your needs? Let's dive in!

Key Factors to Consider

1. Location, Location, Location!

The location of your residential plot in Indore is crucial. Consider factors like proximity to schools, hospitals, markets, and public transport. Popular areas like Vijay Nagar, Super Corridor, and Ujjain Road Sanwer are great for both living and investment.

2. Budget and Affordability

Set a budget before you start your search. Indore offers plots in various price ranges, so having a clear budget helps narrow down your options.

3. Plot Size and Shape

Choose a plot size that fits your needs and future plans. Whether you want a large garden or space for expansion, ensure the plot shape is practical for your design.

4. Legal Clearances

Verify the plot's legal status. Ensure it has clear titles, is free from disputes, and has necessary approvals from local authorities. This step is vital to avoid future complications.

5. Soil Quality and Topography

Check the soil quality and topography of the plot. Good soil and a flat terrain are essential for construction stability and cost-effectiveness.

FAQs About Residential Plots in Indore

Q1: What are the best areas to buy residential plots in Indore?

A: Some of the best areas include Vijay Nagar, Super Corridor, Nipania, and Ujjain Road Sanwer. These areas offer excellent connectivity and amenities.

Q2: How do I verify the legal status of a residential plot in Indore?

A: You can verify the legal status by checking the title deed, encumbrance certificate, and approvals from the local municipal corporation. Consulting a legal expert is also advisable.

Q3: What is the average cost of residential plots in Indore?

A: The cost varies depending on the location and size of the plot. On average, prices can range from ₹2,000 to ₹6,000 per square foot. Areas like Super Corridor and Vijay Nagar tend to be on the higher end.

Q4: Why is it important to check the soil quality?

A: Good soil quality ensures a strong foundation for your home and reduces construction costs. Poor soil quality can lead to structural issues and increased expenses.

Q5: Can I get a loan to buy a residential plot in Indore?

A: Yes, most banks and financial institutions offer loans for purchasing residential plots. Ensure you have all the necessary documents and a good credit score to qualify.

Conclusion

Choosing the perfect residential plot in Indore requires careful consideration of various factors, from location to legal clearances. By following this guide, you can make an informed decision and invest in a plot that meets your needs and promises great returns.

Remember, Indore's real estate market is booming, and now is a great time to invest. Happy plot hunting!

[jimitjain]

Welding Electrode Manufacturer in India : Application & Uses

Dchel Weld is one of the largest Welding Electrode Manufacturer in India.We provide a broad selection of high-quality stainless steel welding electrodes in a variety of thicknesses, specifications, grades, and sizes. As one of India's leading manufacturers of welding electrodes.Weld strength and cleanup convenience are key factors in the choice of welding electrode manufacturers.

What is Welding Electrode ?

A welding electrode is a metal rod or wire that is consumable and is used in welding to produce an electric arc that produces the heat required to melt the base metal and fuse it together. A variety of kinds and compositions of welding electrodes are available; the choice of the right electrode is contingent upon the needs of the particular application, the base metal type, the welding location, and the welding method.

The kind of metal being welded, its thickness, the intended welding speed, the welding position (flat, horizontal, vertical, or above), and the welder's skill level all influence the choice of welding electrode. For a variety of welding applications to produce dependable and high-quality welds, careful electrode selection and application are essential.

Welding Electrode Supplier In : 

Welded Electrode Supplier in Bangalore

Welded Electrode Supplier in Mumbai

Welded Electrode Supplier in Chennai

Welded Electrode Supplier in Hyderabad

Welded Electrode Supplier in Kolkata

Welded Electrode Supplier in Gujarat

Welded Electrode Supplier in Nagpur

Welded Electrode Supplier in Pune

Welded Electrode Supplier in Madhya Pradesh

Welded Electrode Supplier in Indore

Application & Uses of Welding Electrode

Applications for welding electrodes are many, and they are utilised in many different sectors to connect metals together. The following are a few typical uses and applications for welding electrodes:

Construction: Welding electrodes are widely used in construction to join structural steel parts such as beams, columns, and girders. They are also used in the construction of bridges, buildings, and other infrastructure projects.

Manufacturing: When it comes to creating metal components and putting different goods together, welding electrodes are essential in the manufacturing sector. Machines, cars, appliances, and other industrial equipment are made with their help.

Pipeline Construction: Pipelines for long-distance delivery of gas, oil, and other fluids are welded in the oil and gas sector using welding electrodes. These pipes need to be dependable and able to tolerate corrosive conditions and high pressure.

Shipbuilding and Marine Applications:When manufacturing ships and boats, welding electrodes are crucial for connecting the various parts. When building structural components that must last the challenging marine environment, they are utilised to build hulls, decks, and other parts.

Aerospace and Aviation: The manufacture of aircraft structures, like fuselages, wings, and landing gears, is done in the aerospace and aviation sectors using welding electrodes.

Power Generation: Power plants utilise welding electrodes to fuse together boilers, turbines, and other essential equipment for producing electricity.

Automotive Industry: The automobile industry uses welding electrodes for both vehicle manufacture and part maintenance.

Repair and Maintenance:In a variety of sectors, welding electrodes are utilised for maintenance and repair tasks. They contribute to increasing the life of machinery and equipment by repairing worn-out or broken metal parts.

Fabrication of Pressure Vessels: Welding electrodes are often employed in the fabrication of pressure vessels used in petrochemical and chemical processing industries to ensure their resistance to high pressure and corrosive environments.

Art and Sculpture: For the purpose of creating metal sculptures and artwork, welding electrodes are also employed in artistic and constructive contexts.

Welding Electrode Manufacturer in India

A prominent Welding Electrodes Supplier in India is Dchel Weld. We have an excellent selection of stainless steel welding electrodes in various thicknesses, grade levels, specifications, and sizes. Being a leading supplier of welding electrodes in India, we are well regarded. Having established a number of policies and programmes to encourage the expansion of the manufacturing and service industries.

[kingscyrus]

INDORE KINGDOM

TERRITORIES/REGIONS:  This is still a big wip! A lot more details will be added, but I have a decent sheet tho.

INDORE(KINGDOM): Vast, lush, diverse with magical creatures. Prosperous in trade, Captial of business, and exports/imports. 

YUIMID: Desert landscape, a close ally of Indore. They are known for their teas & fabric. 

OWEAZATIA: Forest Region, close to Indore. His advisor came from this region. Known for their meat & medicine. 

VATUS: Water-type Region, ally to Indore. Known for oceanic studies and trade. Known for their seafood. 

Dredemore: Dragon Region & Dragon Territory. They have a mutual agreement between Indore & Dredemore. Known for Magic & Ancient teachings. 

FARMLANDS: Rolling hills with some flat banks, Flourishing with growth. Each farmland has its source own product, depending on the farmer. 

ENEMIES/NEUTRAL REGION

Evaweth: Wetlands, hostile & unforgivable. Known for obscure traps/weapons. Neutral relations with Indore. 

Groqeanait: Dark/Glum & inhabited by devious and uncurable creatures. Unknown Territory/semi-hostile. Mainly rejected creatures of the night dwell in this region. 

Iwrokha: The land of the dead. Enemy territory. Hospitable & life doesn't grows there. Known for Black magic & deception. 

[sunilagrawalandassociates]

Indore is witnessing a boom in the real estate sector. A home is a must-have if you plan on being a part of this ever-growing friendly city. And buying a home is a joyous occasion, however, not a cakewalk. It involves a lot of risks as you are investing your hard-earned money. So while you are on a house hunt, make sure to ask these questions to your builder-

[mangalaconstruction]

Perception of real estate INVESTEMENT

 #MangalaConstruction

#mangalaconstruction #flatsinindore #Investment #Propertyinvestemnt#Flatssaleindore #1bhk #2bhk #3Bhk #Affordableflats #indore #luxuryproperty #aurobindo #newpropertyindore #realestate #realestatephotography #realestatebroker #realestate #newhomeideas #newhomegift #newhomemissionary #newhomesforsale#construction #constructionlife #constructionsite

[auralisthane]

Top 5 builders who provide dream home in mumbai

As we all know, there are several builders in Mumbai but when it comes to buy property, flats and apartment, Often we get confused which builder is trustworthy and will provide a dream home?

Mostly people don’t visit on these real estate company website they always depend on local agent to buy property and flat, but trust me if you directly contact and approach these real estate companies then you may get attractive offer from the seller.

You can even save your agent brokerage charges which is usually 1% to 2% to buy property, flat, and apartment.

So I have decided to write an article on builders who provide dream home in Mumbai  to make you believe and ordeal of these builder are trustworthy. Every property has some feature which others don’t. I have tried to give you the best review on top 5 builders to buy your dream home according to your property searches and needs.

Top 5 builders in Mumbai

 Below you will find the best real estate companies list and link so you can directly visit their website.

 1.     Auralis thane

Auralisthane is a first real estate company  in our top 5 real estate website list. This real state company has established itself as a reputed name in real estate industry. This real estate company offers you the multi storeyed twins tower with 2 bhk, 2.5 bhk, 3 bhk and 3.5 bhk flats and apartments which has the excellent quality construction at prime location in Thane, MUMBAI. The feature of this real estate website it provides you the flat which is near to the essential things like school, colleges, hospital, ATM, shopping and near to railway station etc. and the flat balcony views are amazing and exquisite. You can find luxurious and best connectivity at this property and if I talk about the flat’s amenities then you will be amazed because this website gives you the lots of amenities like modular kitchen, best living room, bedroom, tropical theme garden, exclusive indoor games area, open air Jacuzzi, jogging track and Italian marble flooring and much more amenities. In my opinion it is the best website to buy your dream property.

2.     Mahindra Life space

The second real state company is Mahindra life space which has emerged itself as a famous name in the real state industry of india with their different thinking, accepting  no limits and driving optimistic changes the core principles of this construction giant. With a mission of, “transforming urban landscapes by making property communities” Mahindra Life spaces is shaping ahead within the trade by setting new benchmarks with each passing project.

This real state company offer you the best 1 bhk, 2bhk, 3 bhk and 4 bhk apartment in various places in Mumbai and has Entrance Lobby, Rooftop Swimming Pool, Spa, Reflexology Path, Organic Waste Converter, Basketball Hoop, Drivers' Waiting Area and Indore gym and much more.

3.     Hiranandani group

Hiranandani group may be a new generation live-work-play developments across varied cities of India that blends up to date culture and nature to fulfill your each needs. you may realize trendy, comfy homes for all tastes and budgets. the colourful townships ar designed to deliver a superior quality of life to gain the last work-life balance. Hiranandani group builds on the heritage of Hiranandani, that with success pioneered the construct of integrated townships and independent communities that offer the best way standards. At Hiranandani group, we've increased our much-acclaimed Powai and Thane district models with a worldwide team contributing international best observe. This mix of the simplest international and native experience permits to develop the best quality homes victimization the most recent technology. They offers 2 & 3 bhk apartment at Mumbai with a luxurious views and amenitites.

4.     Lodha group

Lodha group is Founded in 1980, Lodha group could be a premier property developer of Mumbai. Mangal Prabhat Lodha is that the chairman and founder. Presently the corporate is functioning on over 35 million sq.ft of house which accounts for around 30 that are settled in and around Mumbai (from Napean sea Road to Dombivali). the important of real estate company is increasing its reach by developing luxury living areas in Pune and Hyderabad . The group created history by recording one amongst the most important land deal in India.

5.     Godrej properties

Godrej Properties is reputed as PAN Republic of India land company that carries the Godrej group philosophy of innovation, property and excellence. All the properties made by the group carry a 119 year heritage of excellence and trust. the corporate is presently developing comes unfold across 11.89 million sq. meters in around 12 cities. the businesses vision statement is, we tend to draw a bead on to be the nation's prime land company, whereas continued to be the foremost trusty name within the real estate industry.

So these are the top 5 builder to buy your dream home, flats and apartments. Just visit their site and find out more about these real estate companies.

[drgeetikapaliwalindore]

Tummy-tuck-vs-liposuction-which-should-i-choose !

Tummy-tuck-vs-liposuction-which-should-i-choose !

Tummy Tuck Surgery

A tummy tuck can involve removing unwanted fat on the stomach, but its primary purpose is removing excess skin and tightening the tissues so that they don’t sag, as well as repairing weakened or stretched-out abdominal muscles as necessary. A tummy tuck surgery is a more involved operation compared to liposuction surgery , and it can involve a longer recovery period.

Overview: tummy tuck is a type of plastic surgery carried out by a surgeon under general anaesthetic

What it does: firms and tightens the sagging skin on the abdominal area where diet and exercise alone are not effective and is especially sought after by those who went through a massive weight loss process

Treatment areas: stomach

Stipulations: you’ll need to be at your ideal weight prior to tummy tuck surgery

Benefits: feel more confident in swimwear and figure hugging outfits, regain pre-pregnancy figure, achieve a

firm and flat stomach, wider choice of clothes

Tummy tuck recovery: recovering from a tummy tuck takes between six and eight weeks

Liposuction Surgery

Liposuction can be used on most areas of the body where you have excess fat that you can’t lose through standard exercise and dietary changes — such as the buttocks, love handles, upper arms, stomach, hips, back, and thighs. The procedure involves surgically removing deposits of fat cells from below the skin in the targeted areas. While the skin can retract to sit more firmly over areas where volume has been reduced, liposuction is only for fat reduction, so patients whose skin is less elastic may find that there is some sagging after.

Overview: liposuction is a cosmetic procedure carried out by a plastic surgeon under general anaesthetic

What it does: removes stubborn pockets of fat after weight loss.

Treatment areas: stomach, buttocks, chin, knees, hips, inner and outer thighs, arms, breasts

Stipulations: your BMI will be assessed to determine whether or not the procedure is suitable for you, click here to read more on the importance of BMI when it comes to surgery.

Benefits: wider choice of clothes, motivation to pursue a healthy lifestyle, increased self-confidence, feel more in proportion

Liposuction recovery: the recovery time for liposuction is four to six weeks

Liposuction and tummy tucks are often combined, as they complement each other well.

This depends on what you are looking to achieve. In some cases, patients go for both a tummy tuck and a liposuction, especially if they have lost a lot of weight and struggle with both stubborn fat and sagging skin on the abdominal area. Here’s an amazing transformation on our lovely patient Zoe who opted for a tummy tuck and liposuction with Dr. Geetika Paliwal in indore .

Contact Us

Dr. Geetika Paliwal

Sukriti clinic,

Scheme no 74, CH 3, Near prestige College, Opposite Vrindavan Restaurant, Indore, Madhya Pradesh 452010

info@drgeetikapaliwal.com

+91 992 666 3943

+91 702 402 3943

[gurukripaproperties]

#bestproperties #luxuryapartments #flat #indore #buyflats #ujjainroad #i...

[bestcookingclassesinindore]

How to Make Domino’s Garlic Bread - Flavours by Kiran

A copycat version of Dominos Stuffed Garlic Bread, this recipe is a homemade version of the creamy, garlic flavored bread which is a copycat of Dominos Stuffed Garlic Bread. Dominos Pizza was our favorite pizza place when we lived in Indore. Our family went almost weekly. Garlic bread stuffed with cheese, pizza, and lava cake were our favorites. We searched the Dominos menu for stuffed garlic bread after I moved to the Canada. However, it was not available. This prompted me to make it at home. Below is a recipe that I found on

flavoursbykiran

. I still remember the joy on my husband's face when I made this dish one day.In addition to this dish being memorable, this recipe was the reason I started blogging. I also filmed my first YouTube cooking video using this recipe. In this recipe, I demonstrate how to make Domino's-style garlic bread stuffed with cheesy cheese. You can make only the garlic breadsticks available at Dominos by following the same steps, but omitting the sweet corn and mayonnaise.How to Make Cheesy Garlic Bread Like Domino's with Garlic DoughIn a large mixing bowl, combine warm milk, sugar, and active dry yeast. Combine thoroughly. Place in a warm place for 10 minutes. This activates the yeast. You'll see tiny bubbles after 10 minutes. You can also add oil, butter, maida, and salt at this point. Add the minced garlic, oregano, and red chili flakes. Activate the gluten in the dough by kneading it well for at least 10 minutes. When the dough is too tight, add 1-2 tablespoons more water. Garlic bread will become hard and chewy if the dough is not smooth and stretchy.Give it time to prove. Brush the dough and the bowl with oil. Put it in a warm place for 2 hours, covered with a tea towel or cling wrap. To make garlic butter, follow this recipe.In a small bowl, combine melted butter, minced garlic, and fresh parsley or coriander leaves. Prepare garlic bread according to recipe.Punch the dough after it has doubled in size after 1 hour. My next step was to proof (raise) the dough in my Instant Pot.On a flat surface (for the crunchy outer coating), sprinkle lots of cornmeal (also known as "makki ka atta" in Hindi). Cut out a circle.On the baking tray, spread some butter or parchment paper. Then, place the dough circle on the tray and spread the garlic butter generously over the dough.On one half of the circle, spread some mayonnaise, top with boiled sweet corn, and add mozzarella cheese. Sprinkle chili flakes and oregano on top.Make a semicircle out of the dough and seal the edges properly, or the cheese will leak out. On top, brush some garlic butter and chili flakes along with some oregano seasoning.Remove the crusts of the garlic bread and slice it into breadsticks. You can bake the scones at 180 degrees celsius (365 °F) for 20-25 minutes or until they are nicely golden brown.Make breadsticks from the stuffed garlic bread when it is hot. Dip them in mayonnaise or cream cheese or serve them with garlic sauce.Suggestion to ServePut ketchup or mayonnaise on the stuffed garlic bread. Sodas or soft drinks pair well with this dish. Best way to make stuffed garlic bread with cheesy filling.

When mixing yeast and milk, remember to add sugar. Yeast fermentation can not start without sugar.

If you don't have warm milk, you can use warm water instead. Lukewarm milk is fine. If it is too hot, the yeast will die. The yeast will not be activated if the temperature is too low.

Dominos' garlic bread crust is crispy by adding cornmeal, a secret ingredient.

For example, proofing dough (raising on the countertop) takes two hours. However, an Instant Pot only needs one hour.

Bake 10 minutes before preheat the oven.

The combination of mozzarella and cheddar cheese is perfectly acceptable in this recipe. Either instant or active dry yeast can be used.

Activated dry yeast can be used or instant yeast. With instant yeast, the proofing process is shorter.

[vkverma31]

What are some of the most innovative driveway edging concepts?

Many of you may be asking why driveway edging is so necessary. First, respond to the following questions: Do your driveway's margins appear to be crumbling? Alternatively, does your mulch be swept away when it rains? If you answered yes, you should edge your driveway properly. When it rains, your driveway, no matter what material it is built of, becomes a little smeared and washed out.

What Is Driveway Edging and Why Do I Need It?

A protective edge is built along the driveway's boundaries using driveway edging. These lines separate your driveway from the rest of your yard. This is one of the most effective ways to protect and extend the life of your driveways.

In 2022, here are some fun and simple driveway edging ideas.

1. Edging that is raised

Raised edging is the way to go! Take a look at the house above; the edging complements the modern architecture and driveway perfectly. A wall has been used as an edging here, with the same color concrete that runs the length of the driveway.

2. Edging Made of Metal

Driveway metal edging is especially attractive because it is only barely visible, giving the impression that it is part of the slabs. It also provides a neat and classy appearance by separating the driveway from the ground.

3. Edging in Bricks

The flat edging category includes these types of driveway brick edging ideas. As a result, its installation is simple, and you can do it yourself without the help of a contractor or an expert.

You have the option of using plain bricks and laying them out in a conventional arrangement or using textured red bricks and laying them out in a particular design.

4. Edging with a Paved Pattern

This is an excellent option for individuals who have a paved driveway. It also works for driveways with a small landscape surrounding them.

5. Edging Made of Wood

When the driveway is made of asphalt, wooden edging works nicely. Always use long, durable wood that will not be harmed by harsh weather or rats. This sort of wood edging for driveways is simple to install and maintain.

Keep in mind the following:

When driveway edging is done correctly, it provides numerous benefits to your property. It not only enhances the appearance of your property but also protects your driveway and yard. Edging your garden, landscape, or driveway properly will keep it in better shape for many years.

Follow Architects in Indore Ideas for more home improvement advice and guides.

[sunshineweb]

An open letter to Mr.Market Regulator SEBI -From an RIA

Dear my blog readers, clients, and the common public, this time I am writing an open letter to market regulator SEBI through this blog. The reason is to bring into your notice also that what are the changes happening in the advisory field and how even it can impact to you also.

Dear Mr.Market Regulator SEBI,

This open letter is with respect to the recent consultation paper which you published it on 15th January 2020. I am really shocked by the way it was articulated. Hence, I thought to write an open letter to you.

# Working Group

You mentioned in the consultation paper that you constituted the working group to bring in the changes to the existing RIA Regulations Act 2013.

I have a few concerns with respect to the working group itself. Can you please clarify if you have time?

When a regulator or land of the law formulate the rules or regulations, then it is obvious that the regulator needs certain inputs from an expert committee.

However, as per my commonsense, such a working group should be INDEPENDENT and must not be in the same business of for which you are forming the regulations or laws. It is the basic and fundamental commonsense to avoid any CONFLICT-FREE suggestion.

However, I think this is not the case with respect to this working committee. I came to know from few that few BIG and CORPORATE RIAs were involved in this working group.

In such a situation, how you assumed that they will give you their expert opinion without any conflict involved?

It seems to be as if a politician who has his own educational institute and ruling the land as an education minister.

What I heard may be wrong. But for the sake of clarity, can you disclose the names of the members of the working group?

# How you have the same regulation for a direct stock adviser to a fee-only planner (who not recommend direct stocks)?

Again I may be wrong in my assumption. If so, then please correct me Mr.Regulator. When you first introduced the RIA Regulations, then how you assumed that the business module of an adviser who provides the direct stock suggestion is the same as that of an advisor who practices the fee-only financial planning service (where he will not provide any direct stock advice)?

Whether you assumed the advisory risk of an adviser who provides the direct stocks recommendation is the same as that of an adviser who only suggests Mutual Funds and other Debt instruments for his clients?

As far as my knowledge is concerned, the risk, business module and the thought process of an adviser who recommends the direct stocks is entirely different than an adviser who completely recommends Mutual Funds or other Debt instruments to his clients.

Or I assumed it wrong and jumped into this advisory business by registering myself as RIA?

When you have a different set of regulations for DIRECT and REGULAR Mutual Funds (even though the risk is same if someone buys it BLINDLY), then how you assumed that both the modules can be regulated under one set of rules?

# You FORGOT the basic idea itself of bringing in of this Regulation in 2013

When the regulation first time introduced in 2013, there was a clear idea of segregating the advisory module to the distributor module. So that those who wish to adopt an advisory module, they have to give up their distributor module and stick to the fee-charging.

Even during 2013 itself, you bring in the new definition calling ARMS LENGTH between our advisory and distributor business, which you and I also know how many managed this ARMS LENGTH in reality.

However, with this new consultation paper, indirectly you are offering an RIA to run both the modules of advisory and distributorship (with certain distance management).

Hence, is it a complete U-TURN of for what purpose the SEBI RIA Regulations initially introduced 2013.

# Educational Qualification for Non-Individual IA

In your consultation paper, you mentioned that Non-Individual IA has a qualification of Post Graduation along with other statutory examinations or certifications.

I just wish to ask you one question, as far as my dumb knowledge goes, to be eligible for selling mutual funds, one must have the minimum qualification of HSC (12th) or 10th + 3 yrs diploma holder. Also, he or she must pass NISM exam prescribed by AMFI.

With such basic education, one can easily become Mutual Fund Adviser and run his business to any extent and earn the commission from Rs.1 to Rs.100 Cr. His educational qualification will not change just because he turned from small mutual fund distributor to a big distributor of Rs.100 Cr commission earnings.

In that case, you felt it not necessary to increase his educational limit just because his business is increased.

However, in the case of IA, if I am a Graduate and turning to be NOT ELIGIBLE to run as an individual RIA, then I have to complete Post Graduate. How come my Post Graduation will suddenly impact my knowledge of advisory? Assuming I am a BCom graduate and to be eligible for Non-Individual RIA, I may choose the PG which is easy for me to complete and move on to register myself for Non-Individual RIA. But in what sense such Post Graduation brings in the value to my advisory and my compliance? ONLY GOD CAN ANSWER.

# Net Worth Requirements

It is proposed in your consultancy paper that Individual RIA must have a net worth of Rs.10 lakh and Non-Individual must have a net worth of Rs.50 lakh.

Also, if an individual RIA at any point of time crossed the number of clients numbers to 150 or AUM exceeds to Rs.40 Cr, then he must re-register as Non-Individual RIA.

Mr.Market Regulator SEBI, I am desperate to know on what basis the working group arrived at these figures of 150 clients, Rs.40 Cr AUM.

Let me give an example of fee-only planner. Assume that he is charging a flat fee of Rs.15,000 per client. Now we also assume that he has 150 clients. In such a scenario, the total fee he earned by charging to all his 150 Clients is Rs.22,50,000. In that, if we include his personal or family expenses and the cost of running the business, then I think one can end up with savings of around Rs.10 Lakhs to Rs.15 Lakhs.

In such a situation, how you arrived that if an RIA serving more than 150 clients is ELIGIBLE to garner the net worth of Rs.50 lakh and register himself as Non-Individual RIA?

You mean to say either YOU SHUT YOUR SHOP to allow ONLY BIG PLAYERS TO RUN RIA or go for BEGGING for funding of Rs.50 lakh for Non-Individual RIA?

Let us assume that I am a new individual RIA and I know well in advance that there is a fee cap of Rs.75,000 for each client and once I reach the 150 client numbers, then I have to register myself as Non-Individual RIA with accumulating Rs.50 lakh net worth.

In such a scenario, I have to charge a fee of Rs.33,333 (Rs.50,00,000/150) to make sure that I accumulate Rs.50 lakh to register myself in the future as Non-Individual RIA. This fee of Rs.33,333 is only to make sure that if my business grows in the future (beyond 150 clients and Rs.40 Cr AUM) then I must easily move to Non-Individual RIA.

Now, if I include my expenses to survive my business cost and run my family, then I MUST charge beyond Rs.33,333.

Mr.Regulator, how many Indian investors as per you are eligible or wish to pay the Fee beyond Rs.33,333 and avail my service? You and I are well aware that fee-only advisory is still at a nascent stage in India.

Hence, by bringing in such regulation, do you not feel that you are killing once for all the beautiful non-conflict fee advisory module of fee-only financial planning?

# Maintenance of Record

You proposed that RIA should maintain the records of below types of interactions with clients

a) Physical record written & signed by the client,

b. Telephone recording,

c. Email from registered email id,

d. Record of SMS messages,

e. Any other legally verifiable record.

I feel surprised that to run my business of RIA, I must from now onward (I mean when this consultancy paper implemented as an act) I must go for technology or software set up where I have to record my telephone interaction or SMS interaction with client.

Do you feel how many investors are comfortable if I say them that your each phone call discussion or SMS interactions will be RECORDED because my Mr.Regualtor forced me to record it as per the act?

I know, why you proposed this in this consultancy paper. There are many FAMOUS direct stock advisory scams happening across India from few RIAs (especially from the infamous INDORE). Hence, you proposed this. However, to my business module, where I work under the flat fee module and not recommending any direct stock recommendations, how much practical it is to convince my clients that each call will be recorded??

Conclusion:-Dear readers and my clients, now you may come to know how impractical are these suggestions by a working group of SEBI with respect to RIA regulations. SEBI failed at first instance of differentiating the business module of an adviser who is into direct stock advisory to an advisory who run the fee-only financial planning service by recommending without any direct stock advice.

I, you and regulator know that there are lot misuse happened in case of direct stock recommendations by few RIAs (especially from Indore). Hence, to bring such RIAs into strict regulatory ambit, SEBI may be thinking of such regulations. However, it kills the basic concept of the fee-only financial module where we the few (Fee-Only India Group) practicing this conflict-free module ethically to the best of our knowledge and in the interest of the clients are finding it hard to digest such impractical regulations.

I don’t have a choice in adopting if this consultancy paper turned to regulation. However, it is an uphill task for the new entrant to abide by these regulations and practice the fee-only module. Hence, the only option for them is to shut their shop once for a while.

Such impractical suggestions will kill the basic idea of bringing in the SEBI RIA Regulation 2013. It completely dilutes the idea of separation of advisory to the distributor module.

May be few of my words looks harsh and apologize for the same. However, my intention is not to target anyone but to bring in the hardship in running the business under this new consultancy paper.

Request:- If my blog readers, clients or the general public feel it is unfair, then you can directly write to SEBI sebiria@sebi.gov.in before 30th January 2020. The format is available in the consultancy paper. Please find the LINK of the Consultancy paper for Investment Advisers.

The post An open letter to Mr.Market Regulator SEBI -From an RIA appeared first on BasuNivesh.

An open letter to Mr.Market Regulator SEBI -From an RIA published first on https://mbploans.tumblr.com/

[weirdstuff-blog]

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Posted by najir11islam on 2019-10-30 20:47:06

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The post I will do 24h design best health, dental, medical, hospital logo appeared first on Good Info.

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I Walker size.

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[saundaryasansar]

Breathable nail colour in shade #mustard from @ibahalalcare_india Rusty yellow with glossy finish for everyday wear. That have variety of shades from nudes, pastels to brights and darks. Nice shade for all seasons. Would suit all skin tones. Packaging and brush are attractive and good for application except that I found it little difficult with the flat cap else it ok. Pigmentation and coverage is good, 2-3 layers are good to give the exact colour. Is not #quickdry like nykaa enamels but still better. Stay time is real good- min of 5-6 days without chipping. Best part-time it's free from #formaldehyde and other chemicals. Can be easily removed and no stains post removal. Priced at 299 INR, priced higher as compared to its conterparts. Easily available on @nykaabeauty and local stores too. Overall loved the enamel. (at Indore, India) https://www.instagram.com/p/Bsh2lfmlhfy/?utm_source=ig_tumblr_share&igshid=7i358wfqnatf