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Chocko

Chocko Valliappa  |514 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on Mar 24, 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 - Mar 20, 2024Hindi
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Career

I am currently doing integrated BS-MS in biology from IISER Mohali. My cgpa is low as 6.3 and figure out I am not interested in research anymore.How can I change my career path

Ans: You have not mentioned how many years you have spent at IISER so far. It is possible to to improve your scores if you put in hard work with passion. If you dont like the academic environment, research facilities talk to your senior faculty members and seek their advice after explaining your situation.
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Chocko

Chocko Valliappa  |514 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on Jan 17, 2024

Asked by Anonymous - Oct 01, 2023Hindi
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Career
sir, i am 43 yrs old, completed my bachelors in Mechanical engg and doctorate from NIT. Presently, working in a private university with research and academic roles and responsibilities. With the interest of students in this domain has gone down drastically during the past few years, can you advice for a change in career like Data science etc as my present ctc is less than 8 lpa
Ans: Even though a career switch from a Doctorate in Mechanical Engineering to Data Science represents a transition that aligns with the growing interdisciplinary nature of modern research and industry I am of the view that you need to build on your years of academic experience in Mechanical Engineering by leveraging your doctorate in Data Science to further your career as a researcher professor in academia by contributing to cutting-edge research, guiding students, and shaping the field through your expertise.
Also explore consulting assignments in companies, especially in engineering and manufacturing, to help them use data science for optimization, predictive maintenance, and process improvement.
By wearing a Data Scientist in Engineering or Manufacturing hat marry your mechanical engineering background with data science skills look for roles that involve analyzing and optimizing engineering processes, designing experiments, and leveraging data for product development.
These are just two out of a host of options that you could explore by helping your university to build strong consulting practice and let your client see value and pay the top dollar. When that happens, the University will find ways to compensate your fairly for your value add.

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Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Money
Dear Sir, I am 40 year old, my take home is 1.41 lacs per month. I have 11 year old daughter and 3.5 year old son. I am investing 12.5k per month in SSY (27 lacs in total) and 12.5k per month in PPF (6 lacs in total). Investing around 4k in SIP in index fund (1.2 lacs) and I have around 30 lacs in FD. I have taken 1cr term insurance and have 10lakhs health insurance for family. FD is not giving me satisfactory returns and not beating the inflation. I am planning to invest 25 lacs in buying a site. I don't have any loans and don't have major commitment other than children education. I request you to guide me on future investments, I would like to get a constant income of 1-1.5 lacs PM after 5-6 years.
Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

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Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Money
I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

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Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Relationship
I'm 34 and have spent the last six years trying to find a genuine partner through every possible route -- dating apps, matrimonial sites recommended by relatives, setups through friends. It's been exhausting and disheartening. The men I match with are either secretly married, emotionally unavailable, or bluntly state that they aren't interested in commitment. On matrimonial sites, I keep coming across entitled MCPs (male chauvinist pigs) who want a docile, obedient wife -- someone to bear their children, manage their homes, and take care of their aging parents like we are living in 1950. The few men I've genuinely connected with emotionally have told me upfront that they don't believe in marriage or aren't looking for anything serious. And here I am, still single. I've been seriously considering signing up for an app purely focused on intimacy. I'm not looking to sleep around without thought. What I crave is connection, touch, and feeling desired, even if it doesn't lead to marriage. I've dated so many men in search of love, and yet, I've ended up alone. Is it wrong to stop chasing 'the one' and instead focus on fulfilling my emotional and physical needs without expecting long-term commitment?
Ans: Dear Anonymous,
It's obvious to me that you haven't yet sat yourself down and asked:
- What do I want in my life partner?
- What do I want from a marriage?

You have shared about what others want from you; what do you want from a potential association?
Being clear will help you stop this chase and anyway, there's no 'The One'...if you find one, do let me know and I will be happy for you...Marriage is not about finding the right person but by knowing what you want from a marriage. This narrows down your choices to someone that close to your thoughts and value systems and then you both have to make the marriage work.

Now, if you are not looking for a committed association or a long-term one, then you will have to keep playing games with people who are half serious or just looking for some fun and hey, the chances of you being emotionally hurt will be greater here...
So, be clear on what you want and then you will know the next step, the next conversation that you wish to have with a person with more certainty that increases your chances at a good sturdy relationship.

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

...Read more

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