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How Can I, a College Student, Stay Motivated to Reach My Goals?

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Dec 28, 2024

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more

Question by Punit on Dec 25, 2024Hindi

Career

I am a college student . How I motivate my self to achieve goal .

Ans: To self-talk. Write your strong points and weak points in a paper and stress on them. Spend maximum energy for your strong points and try to develop efficiency for your weak points. Read the book HOW TO STUDY AND SUCCEEDE published by VIVA BOOKS of New Delhi. Best of luck. Just follow me. Professor..................:)

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Question by Prasanna - Jan 06, 2023Hindi

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Sir, could you suggest a few books that can help me motivate myself to succeed?

Ans: Hi Prasana, Since you have neither given your qualifications nor your reading preferences, i will assume that you are a graduate and not a book buff. I suggest you go for simple books by Indian authors as they become more relatable. Besides general motivation you should read books on people who's stories can motivate you. I can suggest three books to motivate you. you can read two books written by me- 'Excellence the Amitabh Bachchan way' and 'Creative entrepreneurship the Walt Disney way. Both published by Rupa Publishers and on Amazon, Flipkart. You can also read 'Talking straight ' by Lee Iacoca. Search for this on Amazon. Hope these help you.

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 16, 2024

Question by Aditi - Jul 16, 2024Hindi

Career

Sir how to focus on study

Ans: Hi Aditi
Try to be in the present & don't think of anything other than studies. Try breathing exercises and focus on your breathing, it will help you to remain in the present. Try meditation.

You have to work on your sitting capacity. Almost any exam will be of 3 hours. While studying keep your distractions away from your study table. No gadgets on the study table are the key to increasing focus.

Anu Krishna |1437 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Asked by Anonymous - Oct 07, 2024Hindi

Relationship

How to instill in myself an attitude of studying for career ?

Ans: Dear Anonymous,
1. Have clear achievable goals
2. Make a clear road map to achieve it
3. Put a timeline to the goal

But before all this, know WHY you have this goal and what you will gain by having this goal? This will define an attitude that will shape a sharp mindset that is focused and trained to study and achieve.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1437 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 03, 2025

Asked by Anonymous - Jan 02, 2025Hindi

Relationship

Hi Sir/Ma'am, I am here to know if there is a problem with my mind or body as I am having a strong sense of demotivation to work towards the upcoming exams. I had taken a 3 months study leave from my work for the upcoming exams to be held in January . The first month was excellent but the next was not good and last month was pathetic. For the past 2 months I have been trying to work hard sincerely but failed. I sat at the study table, but could not achieve my targets. I wrote the targets , but still failed to complete them. I tried watching self help videos and read self help books but nothing is helping me. Today, it is like my brain signals not to work towards any of my targets. I am a CA aspirant and I tried all these ways but nothing worked for me. My exams are in 9 days and my family is not ready to give me any more chances because this is my 7th attempt. Even if I talk about this problem with my family, they become extremely negative and say harsh words about my future. Since I do not have family or friends to talk about it , could you please provide me sincere help in this ?

Ans: Dear Anonymous,
Kindly work with someone who can get you out of this mindset and into a mindset that is not motivating but also inspiring. Right now what you face is lack of inspiration which is understandable given the many attempts. But you are aware that some professional exams are like this; so persevere...
If it makes sense, take a break from it all...Breaks can refresh the mind and also help you realign yourself back to your goal. But make sure it's a short break and not something that will get you to a place of procrastinating. The break is to help you slow down the mind so that you can bring yourself back to your goal and take necessary steps to achieve it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Latest Questions

Milind Vadjikar |861 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by arpit - Jan 14, 2025Hindi

Money

Hi, I am a new investor 41 yrs old, so far10L invested in various MF categories. Here are list of investments through SIP’sand lumpsum: 20K in Nippon Large Cap, 15K in Quant Mid cap 15K in ICICI Pru multi asset 15K in Parag Parekh flexi cap 15K in Edleweiss small cap 1L lumpsum in Motilal Oswal mid small Healthcare index fund 2L lumpsum in ICICI Pru all season bond fund 12.5K/month in PPF Can I achieve my retirement goals, both child education (9 yrs old & 5 months old), marriage etc. and is there a need to balance my portfolio. Also is there any need me to consider in other investments options.

Ans: Hello;

Your current lumpsum and monthly investment into mutual funds may be adequate to meet the education and marriage requirement of your kids. (~2 Cr)

Apart from that it may provide a retirement corpus (~5 Cr).

If you have a female kid invest in SSY(12.5 K per month) since the interest is more then PPF and other benefits are similar only with different withdrawal stage.

Also you may supplement your retirement planning through NPS (~20 K per month).

Review performance of your funds annually with reference to the category average and benchmark.

Happy Investing;
X: @mars_invest

Milind Vadjikar |861 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

Happy Investing;
X: @mars_invest

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by vikas - Jan 15, 2025Hindi

Career

Hello sir I am working in psb as an officer and want to switch but too confuse...

Ans: First tell me why you want to switch over to other organization? Then I can guide you. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by Heman - Jan 01, 2025Hindi

Career

Sir, Happy new year 2025, how much SAT score required to get ICT or MnC branch in DA-IICT, for NRI student?

Ans: To be admitted in the (ICT) or (MnC) branches at DAIICT as an NRI student, you need a minimum SAT score of 1068 as per the previous record. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Asked by Anonymous - Dec 22, 2024Hindi

Career

Sir which college should I choose btech biotechnology in andhra university or btech food technology in jntc kalikiri

Ans: Search in net. That can give you the best anser. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by KRISHNIKA - Dec 21, 2024Hindi

Career

Hello, i currently pursuing my btech biotechnology course i wanted to do my masters in abroad but i am very much confused to choose in what subject i should do my masters. can you give my some clarity about to go into industrial or research oriented programs.

Ans: You are advised to search in net the topic of your master degree from abroad which can be pursued after the successful completion of the B. Tech Biotechnology course. Search for those subjects linked to Biotechnology and Industrial research. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Career

My son is working in a multinational energy company. Work culture is very good, salary also good. He did his B.Tech in CSE in the year 2023. He is working as a Software Eng. in the ERP section (less coding). My son is interested coding (creative) related job. He has a GATE (2023) score of 581 (Gen cat). My questions are 1) Is it advisable to do M.Tech in CSE using his GATE score? If yes, then which top Colleges can be preferred? 2) Or, will he continue his present job for few more years to gain experience 3) Or, to switch to a new company? Thanks in advance.

Ans: If he is interested in teaching or research he should go for M.Tech, otherwise not. Let him continue his present job. An online MBA will pay him a lot. Let him go for that. No need to switch over to other company. A rolling stone gathers no moss. Best of luck to him. Just follow me. May God Bless Him. Professor.....................................:)

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by Ashok - Jan 15, 2025Hindi

Money

Hi Sir, I have following MF in my portfolio HDFC mid-cap Opportunity fund - 16.39lac ICICI Pru Large&Mid cap Fund - 9.96lac Nippon India large Cap fund - 10.15lac Nippon india small cap fund - 9.4lac ICICI pru Value discovery fund -9.35lac JM Flexicap fund - 7.39lac ICICI pru infrastructure fund 7.29lac HDFC large and mid cap fund - 6.29lac SBI long term equity fund - 4lac Motilal oswal midcap fund-25k In total 83lac. Please advise whether I can generate 75k per month income from the investment. Thank you in advance

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 07, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 04, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: Dear Prem,
For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

See more questions »

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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