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12th Pass Student: Can I Crack JEE Mains and Advanced with PW and Akash Coaching?

Nayagam P

Nayagam P P  |3956 Answers  |Ask -

Career Counsellor - Answered on Jun 21, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Anjana Question by Anjana on Jun 20, 2024Hindi
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I am a 12th pass student , and i am preparing for jee mains and advanced since from class 11th from physics wallah batches ....i am taking drop this year...and i joined akash institute...and also studying from pw batch,...bcoz i am not satisfied by offline coaching institute....plz give me guidelines... that from where i have to study..thank you!

Ans: Anjana, you have NOT mentioned your JEE Percentile / Rank, scored by you this year. Anyway, please go through my IMPORTANT guidelines from the beginning till the end (lengthy & APPLICABLE to all droppers). (1) First of all you should analyze what went wrong in your last JEE? Score in each Subject? Lowest in which Subjects? Why? (2) As you have already joined Aakash, it is advisable to join ALLEN's Test Series also. Keep attempting the questions (3) Check your Score in Maths / Analyze your strong and weak topics. Focus more on weak topics (applicable to Physics & Chemistry also. (4) For Physics, you should definitely be through with HC VERMA (Both Volumes) & practice questions from Aakash / Allen's Test Series.
(5) Whenever you study at home, study for 45-minutes. Then take a break of 10-minutes when you can move away from your study table, walk, have some water & relax. If you continue studying beyond 45-minutes, your concentration power will go down, resulting to low output. Most students commit this mistake. (6) On daily basis (morning or evening whichever will be convenient to you), do yoga or meditation or physical exercises or play any games / sports for at least 30-45 minutes. This will further reduce your stress / distractions. (3) Study tough topics / tough subjects (applicable to you) early morning with your fresh mind. (7) Eat a lot of green vegetables / fruits which you can afford for & avoid soft drinks (5) Every day nigh, before going to bed, revise whatever you have studied during the day. (8) Also, revise every week whatever you have covered till date (here your short-notes which you should prepare will be helpful). (9) Keep practising questions on topics which you have covered either offline or online (9) Give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (10) You might be aware that JEE rank is allotted on the basis of highest score in Maths, followed by Physics & Chemistry. Practice more and more in Maths, till you reach Speed & Accuracy (9) By the end of 11th / 12th standard (December-January), attempt fully syllabus online test series, evaluate and analyze your performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb you when you appear in actual JEE exam (b) abnormal time taken to attempt any question which you can come to know from Online Test Series which you should reduce (c) which questions you skipped and why? (10) Make 100% utilization of 'Doubt Clearing Sessions' of Aakash. All the BEST Anjana.

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Radheshyam

Radheshyam Zanwar  |1089 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 04, 2024

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sir i am going to give my pcb board examinations cbse in 2025 and i will also be writing neet in 2025 . here are some questions :- 1. if i take a drop and start preparing for jee mains instead of neet by adding maths to my subjects , which will be a better option among these ? a) writing the on demand exam for maths from nios and if i do so what should information has to be given in jee mains form because i have previously given neet through nta b) writing the public exams for all five subjects pcm from nios.then what should be written in jee main form c) giving a maths exam from cbse as aprivate candidate . and will two marksheets one including maths and one including pcb affect my jee form and counseling do 2 marksheets make a propblem in counselling or filling form and if not what should be entered in form for marksheets of 2 different years or boards 2. if i have maths from nios which board do i have to enter in jee mains form ? i am very confused , please help
Ans: Hello Baqir.
It seems that you are very confused. As you said, you have already appeared for NEET i.e. this is your drop year. Yet you are not confident about NEET 2025. If you have taken NEET previously, then how again you are appearing for the board exam is also not clear. If you have already given NEET and are preparing for NEET again, then why you are thinking about JEE without any reason is also unclear. You have created a lot of problems in your mind without any reason. This is because you are not focussing on the syllabus and studies but rather thinking in an irrelevant direction. The question arises, why not you are appearing with mathematics on the CBSE board? It is suggested that you appear to NEET 2025 with full preparation. If you score less also, then there are many courses in the medical field in which you can get admission. Leave all worries, thoughts, and no mark sheets, JEE issues and focus only on NEET 2025. It is also suggested that you please meet face to face a counselor to understand you more and guide you properly.
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Ramalingam

Ramalingam Kalirajan  |7204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 04, 2024

Asked by Anonymous - Dec 04, 2024Hindi
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I m 44 looking for retirement at 50 current portfolio 1 cr in mf ,1 cr in pms , 20 lac in ppf ,60 lac in fd and have one real estate asset of 2cr which i will sell in next 6 years and settle at home loan of 65 lac Please suggest strategy for future expense on 2 lac per month
Ans: Your portfolio showcases disciplined investments:

Rs. 1 crore in mutual funds.

Rs. 1 crore in PMS.

Rs. 20 lakh in PPF.

Rs. 60 lakh in fixed deposits.

A real estate asset worth Rs. 2 crore to be sold in 6 years.

A home loan liability of Rs. 65 lakh.

You aim for Rs. 2 lakh monthly expenses post-retirement at 50.

This diversified portfolio indicates a strong foundation. Let us optimise it for sustained income and financial stability.

Key Priorities
Generating a stable income post-retirement.

Protecting against inflation and rising costs.

Ensuring liquidity and tax efficiency.

Preparing for contingencies, such as medical expenses.

Strategy for Future Expenses
Step 1: Use Real Estate Sale Proceeds Strategically
Selling the property in six years will generate Rs. 2 crore.

Pay off the home loan of Rs. 65 lakh to become debt-free.

Invest the remaining Rs. 1.35 crore in instruments providing monthly cash flow.

Consider options like SWPs from mutual funds and balanced allocation.

Step 2: Strengthen Mutual Fund Investments
Diversify across large-cap, mid-cap, and balanced advantage categories.

Continue holding actively managed funds for long-term growth.

Use a Certified Financial Planner (CFP) for advice on optimising fund selection.

Prioritise regular funds through an MFD with CFP credentials over direct plans.

Step 3: Redeploy PMS Investments
Evaluate the performance of your PMS portfolio.

PMS often has high fees and limited flexibility.

Move funds to mutual funds for better cost efficiency and liquidity.

Allocate to equity mutual funds for higher long-term growth potential.

Step 4: Optimise PPF and Fixed Deposit Holdings
Continue PPF contributions for tax-free, stable returns.

PPF is a low-risk asset and complements equity investments.

Fixed deposits should be reduced to avoid overexposure to low-yield instruments.

Reinvest part of the FD corpus into debt mutual funds for better returns and tax efficiency.

Step 5: Create an Emergency Fund
Set aside Rs. 10-12 lakh as an emergency fund.

Use a mix of liquid funds and high-interest savings accounts for this purpose.

This fund should cover unexpected expenses like medical emergencies or sudden repairs.

Step 6: Plan for Retirement Income
Invest in a systematic withdrawal plan (SWP) for steady income.

Use Rs. 2 crore from mutual funds and PMS, allocating for growth and stability.

Ensure a mix of equity and debt for inflation-adjusted returns.

Focus on capital preservation while generating income.

Addressing Inflation
Inflation will erode Rs. 2 lakh’s purchasing power over time.

Invest in equity and balanced funds for long-term growth.

Review investments every year to rebalance based on inflation trends.

Tax Efficiency
Mutual fund capital gains attract taxes as per the new rules.

Equity mutual funds: LTCG above Rs. 1.25 lakh taxed at 12.5%.

Debt mutual funds taxed as per your income tax slab.

PPF is tax-free and should remain untouched till maturity.

Strategise withdrawals to minimise tax liability.

Healthcare and Insurance Planning
Assess your existing health insurance.

Upgrade your coverage if needed, keeping future medical inflation in mind.

Build a dedicated healthcare corpus.

Consider critical illness coverage for additional protection.

Retirement Lifestyle Adjustments
Maintain a lifestyle matching your retirement income.

Control discretionary spending to extend the portfolio's longevity.

Track expenses and ensure spending stays within the planned budget.

Final Insights
Your existing portfolio reflects strong savings discipline.

Focus on reallocating low-return assets to higher-yield investments.

Plan withdrawals and investments for tax efficiency and inflation protection.

Regular reviews with a Certified Financial Planner will ensure alignment with goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |229 Answers  |Ask -

Career Counsellor - Answered on Dec 04, 2024

Asked by Anonymous - Dec 03, 2024Hindi
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Hello sir /madam Kindly advice for my son who has completed Btech with specialization in big data from SRM University with 8.1 cgpa in 2023 Last year in jan 2023 he did 1 internship for 3 months in cognizant which was through college placement, but they didn't call him for regular job after completion of internship though it was internship leading to placement program Then he was also selected in tcs ninja program through college placement itself and they provided him ilp training in trivandrum for 2.5 months but he couldn't clear their PRA test and was asked to resign from the company Ever since he has passed his graduation, he has been trying to get offcampus placement also but somehow he doesn't get selected Sometimes he is out after GD round ,sometimes after 1 or 2 rounds ,he doesn't get any answer from the concerned company Hence he is unemployed till now I am worried about his career, can you please guide as to what should he do to get placed soon Thanks
Ans: I think repeated failure enhanced his stress level and second thing is 24 X7 discussion about placement in home. Let him relax for seven days. You and other family members don't discuss about his placement hence onward. Let him improve his communication skill and see the style of giving a good interview from you tube videos. The most important thing is let him appear for the next interview very boldly with zero hope. That zero hope and boldness will bring a positive result. Apart from REDIFF GURU I do global counselling through social media. So be rest assured this medicine will work. Best of luck to your son. Just follow me. GOD BLESS HIM. Professor..................................:)

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |229 Answers  |Ask -

Career Counsellor - Answered on Dec 04, 2024

Asked by Anonymous - Nov 24, 2024Hindi
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My daughter Passed out 9.5gpa and was offered job with TCS and Tech Mahindra almost few weeks apart from each other in the month of July end 2024 and offer was given for TCS in July first week and Tch Mahendra in end July,but tech Mahindra followed up with Joining letter immediately,but my daughter choosed TCS it has been three months since but no Joining letter received,2weeks back was asked to attend an exam which she undertook ,why so much delay by TCS? Was it a wrong decision to let go off Tech Mahindra?Pls reply also suggest what to do now? should we wait or look out elsewhere?
Ans: Yes. Certainly it was a wrong decision. A bird in hand is worth than two birds in bush. She must have accepted the offer of Tech Mahindra, After selection why TCS is again taking test? This is not ethical. But now if she approaches Tech Mahindra probably she won't get a response. So try elsewhere. Mind that DECISION DECIDES DESTINY. If your decision is wrong you are bound to fail. So no more lamenting over the spilt milk. In future take correct decision. Secondly her GPA is too high. Many times organizations don't select very high GPA candidates, because their stability becomes a question mark. Due to very high GPA they never become satisfied with any job. They always think they are underpaid and deserve more. Please keep one thing in mind once you join a job your GPA becomes dead, then your performance will decide your future prospects. Just follow me. Best of luck to her. GOD BLESS HER. Professor................:)

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