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Radheshyam Zanwar |1033 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 16, 2024

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

Question by SUJAL on Aug 15, 2024Hindi

Career

Sir I am currently in 12th PCM preparing for jee...I BELONGED to a business family...I had think about some field in which I want to work like education sector,IT sector and finance sector..But I don't want to do job for very long period of time..After some years of job I may start something of my own...Due to continuously living in a isolated environment I have become a darpon...Always my heart beats up when new things faces me..I am a overthinker also due to which I am unable to study properly...I have no confidence in myself...I wanted to settled in Gujarat only but I have no problem living outside for few years...

Ans: Hi. Thanks for contacting us again. I think, you need a personal counselor to whom can talk across the table and then he would suggest the path that will be most suitable for you.

If you still have any queries left in your mind, please feel free to contact us again. You are most welcome.

If you found this suggestion helpful, please consider following me.

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Nayagam P P |3882 Answers |Ask -Follow

Career Counsellor - Answered on Jul 12, 2024

Question by Aryan - Sep 30, 2023Hindi

Career

Hello mam, During the mid of my 12th, I began to serious think about what I am going to do after 12th, before that I just watched a lot of science related shows, and some books, so i thought of becoming a research scientist but i was never serious about it. I was never interested in engineering as it is a technical field, so i very recklessly ignored my jee which were during January in 2023. I gave 12th and got 89% . Still, i was in this dilemma what should I purse, i was thinking that there is stable financial life if i take engineering cse, but on the other hand, i had my passion, so I wanted to take pure science. I was really confused and kept over thinking about it, so i messed up my April attempt as well. After that, i had options to do cuet (for du etc) or join a local govt engineering college. But, i thought that I can get iisc( for bs research) through jee advanced next year if i take a drop and prepare for it because iisc has kashmiri migrant cutoff of 8000 crl rank. So thought it was good. Now, i am in my drop year but still the thought are lingering in my mind that i won't be able to have a stable life if i take bs, then ms after PhD, all that takes time and if done from abroad only, they can provide good financial stability. So I am really confused right now what should I do? My father spend 2 lakhs in 11th+12th and now 70K in coaching, i think how can I repay him... that's kinda silly but still....also I don't want a cooperative job. What should I do?? Please guide me mam ðŸ˜ please ðŸ™

Ans: Aryan, please update your status as of now in July 2024 to enable me to answer. All the BEST.

Latest Questions

Ramalingam Kalirajan |6999 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 09, 2024

Question by Vimal - Nov 09, 2024Hindi

Money

During younh age 3 credit carf payment were delayed and settled bu bank. My cibil score now is 765 this is due to past faults 20yrs back. How can i rectify iy?

Ans: Since your CIBIL score is now a strong 765, it reflects a solid recovery despite past issues. However, to further improve it, focus on maintaining a perfect repayment history for all current credit. Avoid closing old accounts with good history, as they contribute positively. Regularly monitor your CIBIL report to ensure no errors. Over time, consistent and responsible credit behavior will enhance your score further.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Milind Vadjikar |599 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Money

Hello All . Looking for some advice I am 36 yr old and working class with Sal of 32 lakhs per annum Current savings are 33 lakhs in PPF / PF and Gratuity 3 lakhs in Shares and Mutual Fund 10 lakhs in Physical Gold 20 lakhs in Cash Liabilities Home loan outstanding 30 lakhs I wish to retire with corpus of 5cr and at age of 50 What do you think should change in my current portfolio

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Dr Nandita Palshetkar |5 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 09, 2024

Asked by Anonymous - Oct 10, 2024Hindi

Health

I am 6 weeks pregnant. Only the gestational sac is visible. There is no heartbeat. I am worried and sad. What could be the possibility? Please help.

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Question by chandini - Apr 29, 2024Hindi

Career

Hi iam 32 year old mechanical engineering graduate. Iam a home maker since I completed my graduation. Now I want to do something in my life, learn different things, earn along with taking care of my family(husband and children). Iwas a very good student till engineering 2nd year then I lost interest because of stagnant studies in our college and no practicality. No one was there to guide us in our college. Now iam getting from my deep with in I should do something, I should learn and grow daily. I should earn and be financially independent and free financially till the age of 42. Can you please suggest me what are my opportunities, how can I grow ? Iam also interested in mathematics and history, these days I have a liking towards computer sciences too. What will you suggest?

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Question by Dr - Jun 25, 2024Hindi

Career

What are the future prospects after IISER graduation?

Ans: IN ONE SENTENCE - " IISER GRSADUATES ARE HAVING GREAT PROSPECTS IN GOVT. JOBS. BUT THE BOND WILL BE THERE" Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Question by Anas - Apr 13, 2024Hindi

Career

Is btech agriculture engineering is good option because i have interest intech and agriculture

Ans: Certainly Dear. Agriculture is the base of all. GO AHEAD and conquer the world. DO B. Tech agriculture, if possible go for M. Tech also. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Asked by Anonymous - Apr 15, 2024Hindi

Career

I am 33 old female IT engg. I started preparing for govt exam right after graduation but didn't able to clear single one. During this course, also i got married but now i want to start a career but i am clueless which field i should start because of such huge gap. Please guide me

Ans: First be familiar with the changes which crept into the IT industry during the time of your gap, otherwise you will not be able to maintain the present pace. Secondly stop searching for govt. jobs. IT future lies in private only. One very good suggestion is there. Pursue 2 years online MBA in IT. It will cover many things which are presently in the market. Have 1/2 certificate course of AI & Machine Learning immediately and start applying for new jobs. I guarantee you will get good placement. I am always there for you. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Asked by Anonymous - Apr 27, 2024Hindi

Career

Sir, My son studying ceramic engineering in NIT Raurkella, is there any job prospects in India in this field

Ans: Certainly. There are many good Ceramic Industries in India. Just search in google. You will get many. It's a need of the day. No interior decoration is possible without the support of Ceramic Industry. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Career

My daughter is going to be graduated by next year in Electronic and communication engineering (ECE). Is there any good opportunity for job or should she continue her higher study? We are in a great confusion seeing this day by day fall down of job opportunity. Please help.

Ans: If the financial condition permits let her go for MS from a reputed university of USA. She needs good GRE SCORE, TOEFL score around 105-110, three good recommendations from her professor, a sloid SOP (statement of purpose) and approximately a funding between 80 lakhs to 1 crore. Don't lose hope and never discuss negative things in front of your daughter, it will affect her mental set up and enhance her anxiety. Everything will be OK. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling.Best of Luck. Professor...................:)

Prof Suvasish Mukhopadhyay |36 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Asked by Anonymous - May 02, 2024Hindi

Career

Hi sir, This is Naresh. I'm completed my diploma in civil engineering in 2016. After that I started my career as a structural cad engineer. Since 7 years I'm working as a professional engineer. I'm married. But actual my goal is in want become a structural design engineer. I stuck in my career. My salary also not growing as per the market. How can I get my degree in civil engineering field. And also I'm unable to quite my job. I want to grow in my career.Please guide me

Ans: Unless you go for BE (Civil) and M.Tech Structures you can't be an officially recognized Structural Engineer. But the present condition won't allow you to do BE (Civil) and M.Tech (Structures) by leaving you job and you are married too. So I would suggest you to appear for the AMIE exam. It is hard, but at least the scope is there. After completing AMIE you will be equivalent to BE ( Civil). After that even if you don't go for M.Tech it will not create any problem. Because AMIE with such a big experience will help you to stand as a sound structural engineer in the market. Join me in LINKEDIN for permanent connectivity and counselling. GOD BLESS YOU. Professor...................:)

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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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