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Radheshyam

Radheshyam Zanwar  |8637 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 29, 2026

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Sep 29, 2026
Career

I'm an NRI PCB + AI student (17F) who feels like I have no ambition in life ..I took this stream of my own volition as I was and am still interested in biology and chemistry but never planned on doing NEET (I didn't want to do medical). As I near the end of 12th grade I feel even more uncertain about what lies ahead. I thought after writing any private universities entrance exam, I would do a Bsc and then a Masters after completing that in a field like Biotech, Bioinformatics, Molecular biology or any related field ( I can't even narrow that down yet) but I feel discouraged after going through several threads on Reddit where such fields were frankly not very well liked for its scope in India. (I'm open to earning a degree in AI and ML as well since there is an available course in a uni where I live ). I'm also regretfully really out of touch with the youth culture (owing to my lack of friends there ) so the prospect of relocating for my studies seems more than daunting as an introvert when it comes with the added doubt of whether it`ll even be worth it . Due to financial constraints I dont have the privilege of switching career paths or choosing a top level college and it already feels like I'm setting myself up for failure by aiming for either the affordable colleges in my country of residence or private unis in either Bangalore or Chennai. I want a stable job that's well paid for the work and passion I put in it but it seems so impossible with the cards I've laid out for myself so far..Is it too late to make a difference in my career trajectory and what paths would the respected experts on this site recommend for me so that I can hopefully land a job after my bachelors and be able to fund higher education as well as settle abroad or live a relatively comfortable life at least. Thank you so much for taking time to read this , I will greatly appreciate all responses I get

Ans: Hey, you are not late at all @ 17; you are supposed to be uncertain.

Your interest in biology and chemistry is already a useful starting point; you don't need to decide between biotech, bioinformatics, molecular biology, and AI/ML today. Given your financial constraints, I would prioritize a bachelor’s degree that gives you employable skills after graduation, while keeping higher studies open: for example, Bioinformatics/Computational Biology can combine your PCB background with programming, statistics, and AI, whereas a pure Biology degree may require a Master's/PhD for many specialised careers.

If you genuinely enjoy mathematics/programming, AI/ML is another viable route, but don't choose it merely because Reddit says it has better scope. Whichever degree you choose, build practical skills alongside it: Python, statistics, SQL, data analysis, scientific computing, internships, and projects, and judge colleges by curriculum, affordability, internships, and placement outcomes, not reputation alone. Being introverted or anxious about relocating is not a career disadvantage; university is also where you can gradually build your social and professional circle. Most importantly, your first degree is not a life sentence: a sensible, affordable bachelor's + strong skills + work experience can give you the income and flexibility to fund a Master's later, including abroad.

Good luck.
Follow me if you receive this reply.
Radheshyam
Career

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Mayank

Mayank Chandel  | Answer  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 28, 2025

Asked by Anonymous - May 27, 2025
Career
I'm at a point in life where nothing seems too clear, i dont know what I'm doing. I was an just above average student, passed +2 long time ago in 2017, after that kept arguing with mother that I don't wanna do the job that was offered to me as "dependent" after my father had passed away , my younger brother joined that later Till than i was doing BSC had no interest, dropped out of it, and just for sake of doing graduation graduated with BA in economics, at that time i got into doing various tech stuff ( making some small apps etc ). I tried harder to get into it but india is cruel and I'm average...... So i decided to enroll in MCA last year in a tier 3 private college with almost non existing placement Mistake after mistake after mistake.... Now you all know the state of job market... They say its getting harder for the freshers. Been applying for internships on intershala and other websites but still here with no internship. After this much setbacks even my interest is now like - okay it's just a chore, i have stopped enjoying any programing or anything, i still like it i wouldn't say i enjoy it... I don't even know what am i doing with life, where will i end up. Sometimes my worry is whether i will be able to even make any money or not. I have no desire to join any government job... Just pushing into up skilling, but setback after setback, is forcing me to accept that nobody is going to give a job that too as a fresher in private sector to an old stupid 25 year old unemployed man.
Ans: you're not stupid. You’re just trying to navigate a really chaotic system with very little support and a late start. That’s not a crime — it’s human.

Choose a micro-niche within tech
Instead of being a generalist programmer, pick something very specific and practical. Examples:
Web Development for local businesses
No-code/Low-code app building
Automation with Python
WordPress + SEO services
Data analysis with Excel + Python for NGOs
Freelance bug fixing / debugging

You can try freelance gigs on Fiverr, Upwork

..Read more

Nayagam P

Nayagam P P  |12579 Answers  |Ask -

Career Counsellor - Answered on Sep 24, 2026

Career
Namaste..This is my story. My name is Prateek Kumar and I am 19. I am very confused in my life regarding my career choices. I passed my class 12 in 2025 from CBSE board PCB stream. Till class 10, I did not know anything about what to choose after going to class 11 and what career scope is there in which thing. I was very confused for many days in the beginning whether I should take PCM, PCB or Commerce? I asked everyone, and everyone had their own advice. Finally, When the last date for registration came, something had to be decided ,after listening to my family and friends, I took the PCB, because everyone said it was the safest. There are many more reasons I myself don't know why I chose PCB stream. My confusion did not end, rather, I started exploring more and more career options and started knowing about them on the internet and everywhere. Gradually my personality started making me a multiple interested person and I became interested in many things. I started to feel that I have the potential and I can do any work, but there is no clarity, I want to be sure once so I did that work with full concentration. Although I had taken medical stream, gradually I got attracted towards engineering, technology, business, IITs, NITs. I don't know what the reason was for this, it could be social media influence or the people around me were my friends. Gradually I started getting interested in things like law, business, finance, economics, statistics, MBA, aviation AI, machine learning, data science etc. Even after passing class 12, I was applying for the online AI and Data Science program of IIT Jodhpur but I did not have maths so I could not eligible. I started feeling that I don't have maths and that's why I am missing out on all these options. But I wasn't sure. I firmly decided that I would take math and prepare for the JEE, hoping to at least get into the NIT. But I came to know that I will not be eligible with single subject maths, for that I should have marksheet of 5 subjects from one proper board with PCM. I was afraid to take that step again to get the 75% criteria to study for Class 12, so I didn't take that step to do math again. But I was so scared, I felt that if I choose this path then the other options will be lost and then I will regret it and hence I could not take any decision. Since after I passed class 12 , I thought of taking a gap of one year to figure out which direction I want to go and which career I want to choose. But unfortunately that year was wasted due to a lot of instability like death of my grandmother and financial problems at home and many more. There was some negligence on my part too. I had gone too much into my comfort zone, Movies and travelling had become too much. This is also a main reason for my gap year getting wasted. Last when January 2026 came and the form for CUET came, I became serious, I thought that I should study and I started preparing for CUET. But I didn't know which course I was preparing for because I didn't know what I wanted to do. I also enrolled at UP Polytechnic for diploma in engineering and pharmacy. Due to lack of preparation, I didn't score well. I scored 347 out of 1250 on the CUET. I applied to a few universities with that score but I didn't know the courses, so I applied to all the courses in which I had even a little interest and were related to my stream.Like bsc biology related courses like bsc biotechnology, biomedical, microbiology, b pharma and also non biology courses like ba economics, political science, bca, and it was here that I became interested in courses like BA LLB If I tell you the truth, I started feeling like doing B.Tech like B.Tech biotechnology, biomedical engineering, mechanical civil and then architecture. I felt like doing MBA, so I wanted to do courses like B.Sc. Hons. Statistics or B.Sc. Hons. Economics. I was interested in top government jobs like IAS, IFS, and RBI. At that point, I was very very confused. I did not get admission in all those courses on the basis of that score of my CUET and even if I was getting admission, I was not able to take it from because I felt that I was still not clear about What do I want to do, which career field should I go into? I feel that I have potential, but I just don't have clarity and satisfaction about which direction to take. One of my friends is preparing for NEET, one is preparing for UPSC, two of my friends have gone to IIT, one wants to make a career in trading, one wants to do coding and one wants to become a doctor. Everyone knows what to do in their life, only I don't know anything. Many people suggested me to get admission in BA or B.Sc here in my village and prepare for government job but I did not want to study here. The truth is that I don't know what I want to do. I did not take admission anywhere this year either, neither in any college, nor in D Pharma, nor in Polytechnic. All my friends are doing something or the other, either preparation or college, but I am not able to decide anything. The thing is, I don't even know which direction to take or what my career goals are. I look at the people around me and see that everyone has some kind of aim or direction. I have not been able to decide anything yet. Today it has been 1.5 years since I passed class 12 and yet I haven't been able to make any decisions. Sometimes I think about adding math, maybe it will open up more options. But still, I can't tell myself what to do. It's getting worse and worse for me. Time is just passing by, but I'm not doing anything. Sometimes I worry so much. I feel a lot of anxiety from within about not doing anything, please help. I'm stuck in decision paralysis analysis. I have a lot of procrastination and overthinking. I feel FOMO. It seems everyone is happy with their decisions and moving forward, but I'm the only one seeking perfection. What should I do? Which career should I pursue?Many options are slowly closing, and the regret of not taking them is immense. So much regret that I sometimes feel like crying just thinking about it. I had thought that I would add maths after class 12, but due to the same analysis paralysis, perfectionism and need for clarity, I did nothing till date. And I regret it too, but still I am not able to take even a single step. Please help sir, anyone please help.I don't want a life where I always live in dissatisfaction and regret. I want to explore and experience a lot. But I can't figure out what to do. Whenever I think about making a decision, the rest seem right, while the one I've made seems wrong. What should I do, please help me because no one is able to understand this, neither my family nor my friends...
Ans: Prateek, your main challenge is decision paralysis driven by a desire to avoid making the wrong choice, often intensified by the vast amount of conflicting information online. It's natural to seek certainty, but comparing your journey to others can obscure your unique strengths and potential. To move forward constructively, consider shortlisting three realistic pathways you qualify for right now—such as Pharmacy, BCA, or Law. Over the next two weeks, you can gain practical insights by reaching out to professionals on LinkedIn rather than continuing endless online research, with the goal of committing to a concrete enrollment decision by the end of next month. Finding a "perfect" career immediately is not necessary; choosing a reasonable direction and testing it through action will help build the clarity you need. If the pressure of making this decision feels too overwhelming or significantly impacts your daily well-being, please prioritize speaking with a qualified professional for guidance. All The Best for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Latest Questions
Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Jul 09, 2026
Career
I have taken a 12th-grade drop year, and this year I have to take admission. But my parents are not supporting me. Last year also, because of all these issues, my admission got delayed, and this year again, no one in my family is taking it seriously. They don't allow me to meet anyone or even go outside the house. They don't even let me go to the terrace. They keep saying, "Whatever you want to achieve, do it from home. People who really want to succeed can do it from anywhere." I don't have any problem studying from home. In fact, after my drop year, I started preparing for CA, and everything was going well initially. But after a few months, my mother started taking away my phone. She wouldn't let me talk to anyone, go outside, or even step onto the terrace. Along with that, there was a lot of mental and emotional abuse. My mother uses extremely abusive and degrading language toward me, and it has become very difficult for me to handle. Because of the constant verbal abuse and emotional stress, I often can't concentrate on my studies. Whenever I study peacefully for two days, the same traumatic cycle starts all over again the next day. This only happens to me in my family. I am the only daughter after my two elder brothers. I can't even share these things with anyone because none of my friends have to go through anything like this. Sometimes, if I simply go to the terrace, my mother starts shouting at me and uses extremely abusive language. Even if I use my phone only for studying, I am not allowed to keep it. I can't even talk to someone to refresh my mind or reduce stress, and I'm not allowed to meet my friends or go outside either. Sometimes, it becomes so overwhelming that I feel like I don't want to live in this house anymore. I feel trapped, emotionally exhausted, and completely isolated. All I want is a peaceful environment where I can study, focus on my future, and live with basic freedom and dignity.
Ans: Hi!!

I want you to understand that your desire to study, build a career and have some basic freedom is absolutely justified. You are not asking for too much. You are asking for an environment where you can concentrate on your studies, take decisions about your future and live with dignity.

From what you have shared, I feel your problem is not your ability to study or your willingness to work hard. You have already proved that you can prepare for CA and stay focused when things are going well. The real concern here is the environment in which you are expected to study.

You really need to understand that a peaceful mind is essential for effective learning. When you are constantly exposed to shouting, abusive language and emotional stress, it becomes difficult to concentrate, regardless of how determined you are to succeed. So please don't blame yourself for struggling with your studies. You are trying to focus on your future while simultaneously dealing with a very distressing situation at home.
Having said that, I would like you to think about something important. Your education and your future cannot remain on hold because of the circumstances you are facing today. You have already lost valuable time because of delays in admission, and I don't want you to lose another year waiting for things to improve on their own.
You need support, and you need to take practical steps towards securing your future.
First, identify a trusted adult who can understand your situation and help you. It could be a relative, a teacher, a former school counsellor or another responsible person you feel comfortable approaching. Please don't assume that nobody will understand you simply because your friends may not be experiencing the same difficulties. You don't have to deal with this alone.

Second, make your admission a priority. Find out the courses available to you, the eligibility requirements, the deadlines and the documents you need. If you cannot manage the process independently, seek help from a trusted adult who can guide you. You need a concrete plan rather than being caught in the same cycle of conflict and uncertainty.

Third, please understand that respecting your parents does not mean accepting abusive behaviour as something you deserve. You can love your family and still recognise that certain words and behaviours are hurting you. You don't have to fight or argue with your mother to prove your point. When things become heated, try to avoid escalating the situation and prioritise your emotional and physical safety.

And finally, please don't isolate yourself emotionally. You need someone with whom you can talk openly, someone who can listen without judging you. If the situation at home continues to feel unbearable, a counsellor or a trusted adult outside the family can help you work through it and explore safe options.

Remember, this difficult phase of your life does not define your future. You have ambitions, you want to study, and you want to become independent. Hold on to those goals, but don't feel that you have to achieve everything through sheer willpower while dealing with this distress alone.

Your future matters. Your mental well-being matters. And you deserve to live with dignity.

I would like to ask you two important questions -
* First, are you physically safe at home, or has the abuse ever become physical?
*Second, is there any trusted relative, teacher or other adult who could help you with your admission process?
I am asking because I want you to have advice that is practical for your situation, not just words of encouragement

Tc ! Best wishes always..

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I studied in an English-medium school, but during school and college most of my friends and even teachers were more comfortable speaking Hindi, so that became my natural communication language. Now after many years, I work in an office where English is used much more regularly. I can understand English and I can write basic things, but when I have to speak suddenly, I sometimes struggle to find the right words. Even for a simple question to a colleague, I first rehearse the sentence in my mind two or three times before saying it. If someone suddenly asks me something in English, I sometimes fumble even though I know what I want to say. I also depend quite a lot on ChatGPT to help me frame emails, messages and sometimes even replies because I worry about making grammar mistakes or sounding less professional. Recently, a new girl joined our office who speaks very confidently in English and seems more comfortable talking to people who are also very fluent or part of what feels like an ‘elite’ group. She does speak with us, but not as much, and sometimes I become more conscious about my own English when I see how naturally she communicates. I know everyone has a different communication style, but this has made me wonder whether my lack of fluency is affecting how people perceive me at work. How can I improve my spoken English and workplace communication so that I can speak spontaneously and confidently without mentally preparing every sentence first?
Ans: Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you measure yourself. She may be more comfortable speaking English, but that does not make her more intelligent, more capable or a better professional than you. Everyone has a different background, different experiences and a different starting point.
Stop comparing, start practising and, most importantly, stop underestimating yourself.
You have already identified what you need to improve, and that is the first step towards change. Now, give yourself the opportunity to work on it without being overly critical of yourself.
Remember, the objective is not to impress people with your English. It is to express yourself with confidence, clarity and conviction.
When you stop trying to speak perfect English and start focusing on communicating effectively, you will gradually find your voice!

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I recently received feedback at work that I should be more assertive. The strange part is that I don’t consider myself shy - I speak when I have something to say and I’m quite comfortable with my colleagues. But the problem comes when I have a different opinion from someone senior. For example, last week during a team meeting, my manager suggested doing something in a particular way. I could clearly see one issue with the approach and had a different suggestion in mind, but when it was my turn to speak, I said something like, ‘Yes, that should be okay, maybe we can try it,’ instead of clearly explaining what I actually felt. Later, I discussed the same point with a colleague and realised I had actually been right about the concern, but by then the decision was already made. This happens with me quite often - I don’t want to sound argumentative or disrespectful, so I automatically soften my words and sometimes end up agreeing even when I genuinely have another opinion. How can I become more assertive in these situations, speak confidently to senior people and put forward a different viewpoint without coming across as rude, aggressive or overconfident?
Ans: Hi!!

*Being assertive does not mean being aggressive or disrespectful* It means expressing your thoughts and feelings confidently and respectfully!

If you hesitate to disagree, consider whether you fear judgment, offending the person, or challenging their authority! Identifying the cause can help you address it. Respecting someone’s position does not require agreeing with every opinion; your perspective may reveal something they have overlooked.

When you have a concern, pause, organise your thoughts, and state them clearly. For example: *“I understand your approach\. However, I have a concern we may want to consider before proceeding.”” You can be polite without being apologetic and respectful without being submissive.

Practise expressing your views in smaller situations. It may feel uncomfortable at first, but confidence will grow with experience.Trust your judgement and speak up when your input matters. You can disagree with someone without disrespecting them—that is true assertiveness!

Remember assertiveness is about respecting yourself and the other person equally! Understanding that you have as much right to express your opinion as the other person .

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m facing a small but recurring issue with my wife when it comes to money. I’m naturally more of a saving person—I like keeping some money aside for future expenses, emergencies, children’s needs and other things that may come up unexpectedly. My wife, on the other hand, feels that if we can comfortably afford something now, there is no point in always postponing it just to save more. It’s not that either of us is irresponsible with money, and thankfully we don’t have any major financial problems, but this difference in our thinking keeps coming up every few weeks. Sometimes it starts with something as simple as buying something for the house or planning a holiday and then turns into a discussion about our overall spending habits. I don’t want her to feel that I’m controlling how she spends her money, and at the same time, I don’t want to feel guilty for wanting to save. How can couples with very different financial habits find a middle ground and decide together how much to spend, save and keep aside for the future without making money become a regular source of tension in the marriage?
Ans: Hello sir. I hope you are in good health. Coming to your question, financial management remains a little sensitive topic specially when both members are earning.
You both have different habits and different thinking in terms of financial management and I think both are correct. The only thing with which the things can be sorted out is that you both sit and discuss and mutually come to a specific percentage of income which should be saved and which should be kept aside for holidays or for home fund. This way you both will clearly know and then you will not have problem in spending or saving.
I hope this solves your problem.
All the best..take care !!

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m a little confused about how I should handle situations involving my husband and his parents. Whenever they have an argument or disagreement, I usually prefer to stay quiet because I feel that if I get involved, the situation could become even more complicated. I don’t want his parents to feel that I’m trying to create a distance between them, and I also don’t want to say something in the heat of the moment that I may regret later. But after the argument is over, my husband sometimes tells me that he expected me to support him because I’m his wife. From my point of view, supporting him doesn’t necessarily mean agreeing with him or taking his side every time, especially when I don’t know the complete context of their disagreement. At the same time, I can understand why he may feel hurt if he thinks I’m simply standing by and watching when he needs me. How should to handle these situations when disagreements with in-laws keep creating tension in the marriage? Is there a healthy way for a spouse to show support without automatically taking sides or disrespecting the other family members?
Ans: Hello mam. I hope you are in good health.
Well, coming to your question, you can definitely take your partner's side by understanding the things on which the disagreements happen. For example you disagree with your partner at a specific point of time, in public you should try to calm the situation and take his side if possible but after that in private you can share your opinion and correct him if he is wrong somewhere. This way he ll feel that yes you support him but on the other hand he ll also realize that where he went wrong. Probably the situations will get better with this.
I really appreciate your nature that you don't want to disrespect other family members. Its very good and shows your upbringing and your intent of maintaining relationships.
Keep it up...take care !!

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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2026

Money
Hi ..I have registered a app called finsolalgo They told I got allocation for ipo which I kept 1 lac prev but they asked I need to pay 6lac ...which I couldn't pay...now they blocked my one lac saying as I didn't pay full allocation my amount blocked for 3 months but am not getting fater 3 months who will release my funds and all am feeling bad to believe them...now wat should I do ...finsolalgo is this company registered with sebi when I asked they told s we registered we have ruled and regulations ...that's y blocked like that ..wat should I do now
Ans: It is good that you have stopped and are checking this before paying another Rs.6 lakh.

Based on what you have described, I would be very cautious. The process you were told about does not look like the normal IPO application process.

» How a genuine IPO application normally works

In a normal IPO, the application money is blocked in your own bank account through ASBA or an approved UPI mandate.

If shares are allotted, the required amount is debited.

The remaining blocked amount is released after the allotment process. SEBI describes this process clearly.

A company or app normally cannot simply say:

– You paid Rs.1 lakh.

– You received an allocation of Rs.7 lakh.

– You must arrange another Rs.6 lakh.

– Otherwise your original Rs.1 lakh will remain blocked for 3 months.

That is a major point requiring verification.

» About the Rs.1 lakh being blocked

First check where exactly the Rs.1 lakh is blocked.

If it is genuinely blocked in your own bank account under an IPO ASBA/UPI mandate, contact your bank immediately and ask:

– Who has placed the mandate?

– What is the IPO name?

– Who is the sponsor bank?

– What is the application number?

– What is the registrar's name?

– What is the UPI mandate reference?

Do not depend only on what the FinsolAlgo app or its representatives are telling you.

If the money was actually transferred to a bank account controlled by the app/company/person, the situation is more serious. Do not send the additional Rs.6 lakh merely to release the earlier Rs.1 lakh.

» Is FinsolAlgo SEBI registered?

I checked the SEBI recognised-intermediary information available currently.

I could not verify a SEBI registration under the name "FinsolAlgo" from the information available to me.

This does not by itself prove that the entity is fraudulent. The legal entity name may be different from the app or trade name.

So ask them for:

– Exact legal company name.

– SEBI registration number.

– Category of SEBI registration.

– Registered office address.

– Name of the stock broker/intermediary handling the IPO application.

Then independently verify these details on SEBI's recognised intermediary records. SEBI maintains a searchable list of registered intermediaries.

Do not accept a statement such as "we are SEBI registered and we have our own rules" as proof.

» What you should do now

I would suggest these steps in this order:

– Do NOT pay the additional Rs.6 lakh.

– Do NOT pay any "release fee", "penalty", "tax", "processing charge" or similar amount.

– Do NOT share your OTP, UPI PIN, bank password or other banking credentials.

– Take screenshots of the entire conversation with FinsolAlgo.

– Save the payment receipt for the Rs.1 lakh.

– Save the IPO allocation message and all documents they provided.

– Contact your bank directly through its official customer-care channel.

– Ask the bank whether there is actually an IPO-related ASBA/UPI block on your Rs.1 lakh.

– If the bank confirms that no genuine IPO mandate exists, immediately inform the bank that you suspect an unauthorised or potentially fraudulent transaction.

– If money has already gone to another bank account, inform your bank immediately and ask about the appropriate fraud-reporting process.

» Do not wait for three months

I would not simply wait for three months based on their verbal assurance.

If this is a genuine IPO, there should be proper documentation and an identifiable IPO process.

There should also be a recognised intermediary, sponsor bank, registrar and application details.

The normal IPO process does not depend merely on an app telling you that your money will be released after three months. SEBI's own explanation says that funds are blocked for the IPO process and are subsequently debited or unblocked based on allotment.

» My assessment

The requirement to arrange another Rs.6 lakh after supposedly getting a Rs.7 lakh allocation is the biggest concern here.

Please do not try to recover the Rs.1 lakh by paying another Rs.6 lakh.

That can increase your exposure substantially.

Your immediate priority should be to establish where the Rs.1 lakh actually sits and whether there is a genuine IPO mandate.

If you share the exact message received from FinsolAlgo about the Rs.7 lakh allocation and the Rs.6 lakh payment, I can examine the wording and tell you which parts look normal and which parts are red flags.

Best Regards,

K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |3317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Oct 08, 2026

Career
I am a student and NEET aspirant. I appeared for Class 10 in 2024 and passed Class 10 in 2024. I completed and passed Class 12 in 2026. I also appeared for NEET (UG) 2026, including the re-examination, but unfortunately I could not qualify for admission. My Class 12 marks are relatively low, although I have successfully passed Class 12 in 2026. Therefore, I am considering appearing for the Class 12 Improvement Examination in 2027 to improve my marks. I would like to kindly ask for clarification regarding the following: Since I have already passed Class 12 in 2026, am I eligible to appear for the Class 12 Improvement Examination in 2027? If I improve my Class 12 marks in 2027, will I remain eligible to appear for NEET (UG) 2027? Will appearing for the Class 12 Improvement Examination in 2027 create any issue during NEET counselling or MBBS admission if I qualify NEET 2027? Will my one-year gap after Class 12 (2026–2027), due to preparing for NEET, cause any problem in NEET eligibility or during MBBS admission? If improvement is permitted, which Class 12 marks/marksheet would be considered for NEET 2027 eligibility and admission?
Ans: HI ALAM,
GREETINGS FROM THE REDIFFGURUS!
The Advantages of NEET:

* NO UPPER AGE LIMIT
* UNLIMITED ATTEMPTS for HSC
* UNLIMITED ATTEMPTS FOR NEET
* A MINIMUM AGGREGATE PERCENTAGE OF 50% (varying by category) IS SUFFICIENT TO QUALIFY FOR NEET (except for AIIMS)
* ASPIRANTS CAN PRESENT DIFFERENT BOARD EXAM MARK SHEETS.

Due to these factors, the number of NEET aspirants is higher compared to other exams.

If you have the required marks to appear for NEET, you can proceed with your preparation. As you mentioned that your HSC marks are low (specifics not disclosed), focus on strengthening your weak subjects to help you achieve your goal. Simply aiming for improvement is not enough; you need to make significant progress.

You are planning to take the improvement exam for your marks. While preparing for this, it is essential to enhance your understanding of the subjects that are also relevant for NEET. There is a possibility that you might achieve the same level of marks you previously obtained in HSC if you do not make substantial improvements. Therefore, concentrate on honing the subjects necessary for NEET as well.

BEST WISHES.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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