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Chocko

Chocko Valliappa  |475 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Chocko Valliappa is the founder and CEO of Vee Technologies, a global IT services company; HireMee, a talent assessment and talent management start-up; and vice chairman of The Sona Group of education institutions.
A fourth-generation entrepreneur, Valliappa is a member of Confederation of Indian Industry, Nasscom, Entrepreneurs Organization and Young Presidents’ Organization.
He was honoured by the YPO with their Global Social Impact award in 2018.
An alumnus of Christ College, Bangalore, Valliappa holds a degree in textile technology and management from the South India Textile Research Association. His advanced research in the Czech Republic led to the creation of innovative polyester spinning machinery.... more
Asked by Anonymous - Apr 27, 2024Hindi
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Career

Hi i completed my btech in civil engineering in 2012 and masters in2014 initially I was working in teaching field upto 2017 every thing went on well due to delay in salary ishifted job to site engineer till now I'm facing lot of problems in my job weither be my mistake of pressure from superiors I'married and have a kid im willing to change job but couldn't change because of job unavailability I m will to go software filed what should I do im not able to understand pls help

Ans: it is easy natural for many of us to get disheartened but the success comes to those who keep trying optimistically at life as a glass half full. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look that gaining software skills used in Civil Engg field to add value to your current job. Look at acquiring project management skills and explore opportunities with optimism and passion.
Career

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Maxim

Maxim Emmanuel  | Answer  |Ask -

Soft Skills Trainer - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Career
Sir, I am 27 years old, Single. Its been 2 years + I am doing private 3 years project contractual job this contractual job.its going to complete in Dec 31st 2024. I gave Ctet teacher exam but i failed 3 time. But i m not focusing in State tet so, i want focus but in market lots of content and i dont have gude what shall i do. I am not happy with my current job. This job changes me alot in my caracter now, i cant sleep properly because if this job will finished what shall i do, till yet i have not creck any exam. And if i go in market i started to forgot ex:- After giving money i forgot to take back, after giving money i forgot to take things sometime. My age also gainig if want to marry so, i have earned money or save money i have to bear all expenses because my parents financially poor if I want save, same time i need to look my younger brother study expenses i need to bear and family running mantainance and also have EMI loans need to pay and also i am helping my parents to build their house with my own money my parents does not have money for my marriage. Now i have overthinking, depression, fear, feeling lossing confident, my dream job also get critical in this situation what shall i do. In office also staff try to polling down because i am getting higher salary what shall i do. For this reason just resently my health conditions because worse my pressure 139 felt vomit feel dizzy. What shall I do now Sir.
Ans: I have gone through your query and understand that you are at the Cross roads of Life.

It's at these times... When the going gets tough... The tough gets gong.
That's your strength.. A tough resilient young lady!
Kindly note you are doing an excellent job hence rewarded with better pay in your organization.. Obviously there's going to be jealousy..Be calm & Handle it with maturity.

Now I understand you are very committed selfless person. Who's contributing a lot to your family,... Wow in fact helping build your own new house. !

In regards to your contractual job, talk to your employer, let them know, that you would have to look for another job post December 2024 if there's no clear further commitment.

In regard to your marriage at 27 you aren't too old to find a like minded partner don't rush and regret, start the process through matrimonial apps.

I see you talk about your health, especially blood pressure, well that's because you are unduly stressed.
Add tender coconut water to your diet, talk to a proper Ayurvedic doctor..!

I am sure you will get over this mid life syndrome and invite us all for your happy day!

..Read more

Chocko

Chocko Valliappa  |475 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 09, 2024

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Career
Sir i am a civil engineer graduate 2023 i did my graduation in civil engineering from a tire 2 -3 college from mumbai university . I didn’t get any job its not like that i am dum student or else i was not good at studies u definitely found partility that in civil they took all diploma + degree holders with less knowledge also in companies such a worley , godrej , technimont etc mnc companies with salary of 6-7 lpa but sir i was scattered because i lost my dad in covid my mom is working but her salary is just 50k and now after trying out for jobs as fresher i found a job in IIT bombay as project technical assistant which gives me 30k but its in ocean department. Now i want to learn further i am seeing people doing masters from priavte university like nicmar adani symbiosis etc in construction or infrastructure management. I am stuck jn life what to do im trying for government but i know government junior engineers job wont pay me much to buy home for my mom . In such case what will be best please help
Ans: I fully empathize with your situation. Do focus on the positive of having completed BTech in Civil Engineering. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Use your current Tech Asstt job to learn about Oceanography as an added skills. Look at acquiring project management skills and explore opportunities with optimism and passion.

..Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on May 31, 2024

Asked by Anonymous - May 16, 2024Hindi
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Career
Sir ,I have been preparing for government exams since 2018 June firstly I prepare for gate in 2019 with college semester in 2019 gate result I.e, 2019 March I qualify with 46 marks that's somehow good score that time for me because I prepare with self study due to over confidence and lack of family income I didn't join coaching and started preparing for UPSC engineering services with full dedication at the age of 20.5 in 2019 eligible for ese 2020 with 21 yr age somehow I got 150 around marks and didn't qualify prelims that time cut off around 240 due to railway has taken his seats so UR cut off increase by 60 which is 188 last in 2019 ese so I got in depression that I prepare with full dedication and even I have a gap of 100 marks in prelims so somehow I came to home in june 2020 after a huge gap of depression in 4,5 months in delhi and started for gate and ese again same condition I couldn't even qualify prelims and got covid in 2021 and from that 2021 I joined UNACADEMY work 1.5 yrs and again I started preparation due to less salary now I have a gap of 5 years no masters degree no industrial skillls and family income less than 20k per month what should I do go and search for civil engineering related job or build a confidence and again prepare one more attempt
Ans: I have gone through the details of your Efforts, Failures, Depression & Your family’s Economic condition.

Based on the above factors, here are the suggestions for you:

1) Till your age bars, try to attempt other comparatively easier (than UPSC) Competitive Exams for Government Jobs & prepare daily for 2-3 hours before & after you come back from work.

2) But AVOID attempting those Competitive Exams which you have already done a number of times and failed. Lack of change in preparation strategies / change in Govt. Policy are the reasons for your subsequent failures.

3) Keeping in view your family’s economic condition & your AGE now, it is suggested to DEFINITELY go for any work, related to your domain, to support your family.

4) Try to upgrade your skills by joining short-term courses with any Institute, related to your domain (or) any other domain you are passionate over. However, make sure that the Institute you join provides JOB GUARANTEE after you complete the Course. Or you can join any ONLINE Courses which are much in demand in job-market.

5) If time does not permit for you to prepare for Competitive Exams & if you feel you are highly demotivated for Govt. Exams, it is advisable for you to fully FOCUS on your Career, related to Civil Engineering & gain good experience.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

..Read more

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Milind

Milind Vadjikar  |1171 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Money
Considering the current market conditions, I'm trying to decide whether it's wiser to invest in real estate or to continue investing in mutual funds. I already have some experience with mutual funds and have seen moderate returns, but I'm also attracted to the idea of owning a tangible asset like property, which could offer appreciation and rental income. I want to understand which option real estate or mutual funds is likely to offer better returns over the next 5 to 10 years, especially given the current economic environment, interest rates, inflation trends, and market volatility. How do factors like liquidity, maintenance, taxes, and risk compare between the two? Should I shift some of my investments into real estate for diversification, or is it more prudent to stay invested in mutual funds and possibly increase SIP contributions? I'm looking for a long-term strategy that helps with both capital growth and financial security.
Ans: Hello;

It is difficult to give an advice without knowing specifics of the case.

I would ideally recommend to include both in your portfolio but if it has to be a choice between the two, I would recommend real estate, as a general advice.

Liquidity, Maintenance, property tax are hassles and costs in real estate but asset price and monthly rentals are generally flat or headed northwards over time unless it is some odd case.

MFs holdings are highly liquid, No maintenance charges and efficient tax treatment. But it is subject to market vagaries.

Consult an investment advisor or a certified financial planner to seek more clarity and firm up your decision.

Best wishes;

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Career
i got 86.02 percentile in jee mains, i am under SC category from WEST BENGAL. can i get NIT DURGAPUR CSE BRANCH or any other branch
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Career
What are the chances to get admission for my son in NIT Trichy or Surathkal or Warangal if he gets around 149 marks in the Apr session of JEE mains 2025. We are from general category & would like to pursue for either Data Science or Electronics of Chemical Engineering. If not these institutes what are the chances for other govt institutes.
Ans: Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Son's Admission Chances Using JoSAA Data
Step 1: Collect His Key Details
Before starting, note down the following details:

His JEE Main percentile
His category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
His Preferred institute types (NIT, IIIT, GFTI)
His Preferred locations (or if he is open to any location in India)
List of at least his 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select His Preferred Academic Program (Branch)
Enter the branches he is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

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

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Listen
Career
My son got 94.56 percentage in jee mains in OBC category.he passed 12th delhi school.his residency in gurugram haryana.which college he can gwt
Ans: Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Son's Admission Chances Using JoSAA Data
Step 1: Collect His Key Details
Before starting, note down the following details:

His JEE Main percentile
His category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
His Preferred institute types (NIT, IIIT, GFTI)
His Preferred locations (or if he is open to any location in India)
List of at least his 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select His Preferred Academic Program (Branch)
Enter the branches he is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

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

...Read more

Milind

Milind Vadjikar  |1171 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 13, 2025

Listen
Ramalingam

Ramalingam Kalirajan  |8227 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi
Money
I've recently lost my job and I'm in the process of looking for new opportunities. While I manage my job search, I'm also facing a situation where my father is in the hospital, and I need to manage both my finances and care for him. I have some savings, but I'm unsure how to balance my financial needs with the hospital expenses and ongoing bills. How can I manage my finances in the short term while looking for a job and dealing with hospital-related costs? Should I use my emergency fund for these expenses, or should I prioritize keeping that fund intact for more severe emergencies? I'm concerned that if I use too much of my savings, I may not be able to cover my basic living expenses if the job search takes longer than expected.
Ans: I’m truly sorry to hear about your current situation. It is tough to manage job loss and a family medical emergency at the same time. You’re showing great strength by trying to plan wisely. Let us now work through this together, step by step, with a simple and balanced plan.

Let’s focus on protecting your savings, handling current bills, and preparing for the next 3–6 months with a calm approach.

?

Review All Financial Resources First

• List your current savings, emergency fund, and other funds in bank accounts.

?

• Note all monthly expenses like rent, groceries, bills, and hospital costs.

?

• If you have any fixed deposits or investments, mark which ones can be broken easily without penalty.

?

• Avoid withdrawing from long-term mutual funds unless there is no other option.

?

• Create a written note of how long your money will last without any income.

?

Emergency Fund: Yes, Use It – But Mindfully

• Emergency fund is made for times like this. You can use it now.

?

• Use it first for medical and basic monthly needs only.

?

• Avoid spending it on non-essential expenses or lifestyle extras.

?

• Try to keep at least 1–2 months’ worth of expenses in reserve even now.

?

• You can refill this fund later once you are employed again.

?

Cut Down on Non-Essential Spending

• Pause or reduce spending on entertainment, subscriptions, and non-urgent items.

?

• Avoid buying anything on EMI or credit during this phase.

?

• Inform your family gently about the need to cut back temporarily.

?

• Cook at home, reduce travel, and delay purchases like gadgets or clothes.

?

Talk to Hospital About Payment Options

• Some hospitals allow part payments or give discounts for cash or insurance claims.

?

• Ask them clearly if any help is available for people in financial stress.

?

• If your father has any insurance cover, submit all bills properly.

?

• If any relatives can support temporarily, accept it as a short-term help.

?

Temporarily Pause Long-Term Investments

• If you have SIPs or recurring investments running, consider pausing for now.

?

• Most SIPs allow you to stop for a few months without penalty.

?

• It is better to pause SIPs than to take a loan or credit card advance.

?

• You can restart all investments later once income restarts.

?

Prioritise Monthly Essentials First

• Make a list of top priority expenses – rent, groceries, electricity, transport, medicines.

?

• Pay these without delay.

?

• Delay or reduce less-important expenses like personal shopping, dining out, or travel.

?

• If any credit card bills are due, pay minimum amount to avoid penalty.

?

Job Search: Stay Active But Calm

• Spend at least 3–4 hours daily on job search and networking.

?

• Update your resume, contact ex-colleagues, register on portals.

?

• Tell friends and well-wishers that you're open to short-term freelance work too.

?

• Any side income like part-time teaching, writing, or consulting will reduce pressure.

Plan For 3 Months, Then Review

• Make a plan for the next 3 months based on the funds you have now.

?

• List expected income (even if zero), known expenses, and gaps.

?

• Revisit your plan monthly and adjust as the situation changes.

?

• Keep written records of expenses. This will help you manage better.

?

Avoid Taking Personal Loans or Credit Advances

• This is not a good time to take a new loan.

?

• Personal loans or credit card EMIs will add stress later.

?

• Use your own cash reserves or ask for trusted family help before using credit.

?

Once Job Resumes, Rebuild Step by Step

• Start rebuilding your emergency fund first.

?

• Then restart your paused SIPs.

?

• Set small financial goals like clearing any dues or saving for 1 month’s expenses.

?

• Slowly get back to normal pace without rushing.

?

Emotionally Stay Stable and Rest When Needed

• This is a tough phase but it will pass.

?

• Take help from friends, counsellors or support groups if stress gets heavy.

?

• Take care of your health, sleep, and food. You need energy now.

?

• Talk to your child simply and gently. Kids understand more than we think.

?

Finally

You’re already doing the right thing – asking for help and planning ahead.

?

This phase will test your strength but also show your courage.

?

Use the emergency fund wisely. Cut extra expenses.

?

Pause investments, keep job search active, and stay calm.

?

Even small income during this time will help manage better.

?

Once the job returns, you can rebuild everything with more clarity.

?

You are not alone. Take support wherever you find it.

?

Your family is lucky to have you managing so carefully and wisely.

?

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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