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Dr Dipankar Dutta |731 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Aug 02, 2024

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more

Question by Soniya on Aug 02, 2024Hindi

Career

Sir I don't know what to do in career and I don't no my interest . I am afraid of pcm that it is very hard

Ans: No subject is hard if you study, otherwise all subjects are hard.

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Nayagam P P |4016 Answers |Ask -Follow

Career Counsellor - Answered on Jul 15, 2024

Asked by Anonymous - Jun 01, 2024Hindi

Career

Sir I am confused about my career. Now I am in 12 th class and have took Pcmb subjects. Please guide me sir for my future it's a humble request to you.

Ans: You are interested in Engineering / Medical / Allied Sciences or Humanities/Arts? Have You Joined Any Coaching Center for Entrance Exams in 2025? You Belong to Which Board, State/CBSE? Which State You Belong To? Your Marks in 10th Standard? Please clarify to answer. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Radheshyam Zanwar |1117 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 26, 2024

Asked by Anonymous - Sep 06, 2024Hindi

Career

Mam im a student who have just given 12th this year i had pcb now i cannot see any promising future in it rather than mbbs which i am not able to pursue what carrer should i go for kindly guide and should i leave stream and go for a commerce carrer

Ans: Hello.
You said, you just appeared 12th with PCB. But it is not clear whether you appeared for NEET or not. Apart from MBBS, there are many promising medicine courses available after the 12th. But, you might not have explored them properly. It is ok, that you did not want to pursue any of the medicine career. If you are not comfortable with the science stream and that too with PCB then you can easily switch to commerce. There are a lot of promising career options available after the 12th. By becoming a CA/CS/ICWA or financial consultant or MBA in finance, you can kick start your career.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar |1117 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 23, 2024Hindi

Career

Hi I am in 12th pcm stream but the problem is I don't have any idea about the career, I don't know what to do next I always thinks that I made a mistake in choosing the stream and because of the I can't even study always regret please tell what should I do

Ans: Hello.
You are suggested to focus on the 12th PCM without taking any stress at present. At present there is no reverse path for you. First, you appear for the 12th Board and then either state-level engineering entrance or JEE examination. Based on the board examination score or engineering entrance, there are many options for further studies. Don't take any stress at this level and it is also not recommended to talk about alternative options right now. After examination and results, please contact us again to explore more based on your score and your dream path.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Latest Questions

Dr Nagarajan Jsk |194 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 31, 2024

Asked by Anonymous - Dec 30, 2024Hindi

Career

Hi i passed 12th in 2021 ( covid batch ) since everything was closed so in anxiety joined DU as sciences students but kept simultaneously preparing for neet it was very hazardous to manage both in offline neet prep and bsc so shifted to distance education bsc so i was in Du like 2021-2023 then 2023 took distance mode finally when i couldnot clear cutoff i thought will let this distance finish and side wise join some different and good course so came down to law in reputable law college of south . Is my decision ok or am i going too mmuch

Ans: Hi,

The students from the Covid batch have faced numerous challenges and are still struggling to settle down, including those in school. You have done your utmost to support them. Since you have completed your BSc and are now pursuing a degree in Law, you are in a favorable position.

Consider the possibility of becoming a patent attorney, which is a lawyer specializing in intellectual property law focused on securing and protecting an inventor's rights. Even before you complete your course, I encourage you to seek experiences related to intellectual property rights (IPR).
ALL THE VERY BEST.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 12, 2024Hindi

Money

Hello Advait. I have around lump sum 35 lacs to invest in stocks and or MF. please suggest the stocks or suitable MFS from retirement corpus perspective. I have around 15Y left for retirement. Also I am doing SIP of 90K in UTI Nifty 50 index fund, PPFAS flexi cap fund and Motilal Oswal Nifty 500 Index fund. I am risk averse and therefore don't do any investment in pure small or mid cap MFs. However you may suggest any Mid or small cap fund which has very good risk to reward ratio and I will start 25K SIP in it. Thank you in advance.

Ans: Diversification is the key Your portfolio is well-diversified across large-cap and flexi-cap funds. Adding quality mid-cap and small-cap funds enhances long-term growth potential.
Risk Management is required to Balance aggressive investments (mid/small caps) with conservative debt funds.
Tax Efficiency also needs to be considered if tax-saving is needed ELSS funds .
This strategy ensures you balance growth and stability for retirement over the next 15 years. Regularly review your portfolio to align with changing financial goals and market conditions. Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Question by Anmol - Dec 22, 2024Hindi

Money

Took home loan in May 2022. House construction completed in June 2023. Sold old house in Dec 2024. Can I set off the captial gains by repaying my home loan?

Ans: Repaying a home loan does not qualify as a "purchase" or "construction" of a new residential property, so it won't help you claim the exemption. No, you cannot set off capital gains by repaying your home loan. Your Options are -
Invest in a New Property: To save tax on capital gains, invest the proceeds in another residential property within 2 years (purchase) or 3 years (construction).
Capital Gains Account Scheme (CGAS): If you're unable to invest immediately, deposit the gains in a CGAS before the filing of your tax return for the year of sale. This gives you time to utilize the funds while deferring tax liability. Exemption under Section 54EC: Invest up to ?50 lakhs in specified bonds (e.g., REC, NHAI) within 6 months of the sale to claim exemption.
Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Question by SATISH - Dec 24, 2024Hindi

Money

I have 15 L in Icici blue chip fund and shifted my SIP of 25 K to Nippon large cap, I also have 5 K SIPs in Hdfc Mid cap opportunities and 5K in Nippon multicap? Is it the right investment for 35 K a month or need a change..I am 50 Yrs age.I am accumulating for 2 Cr corpus in next 7 years. I already have 45 L in my equity and debt funds. I also want to double SIP in next FY to 70 K a month in same ratio in above funds. Retirement goal is 2 Cr. Please advise

Ans: Continue current SIPs but diversify large-cap allocation slightly.
Allocate additional SIPs in FY 2025 to a mix of large-cap and balanced advantage funds.
Annually rebalance portfolio to maintain an equity-debt ratio that aligns with your risk tolerance and time horizon.
This approach ensures you achieve your retirement goal while managing risks effectively.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 29, 2024

Relationship

Hi , male happily married for 6 years . I find my ex collegue very attractive. Part of me is yearning to have some good sex with her. She is also married and a good human being, she likes me but still bit sure if she really wants to have sex with me. She loves being with me.

Ans: Dear Anonymous,
Do you have an open marriage? If so, I understand what you are saying. If not, do you understand what you are saying?

I am assuming that you have an open marriage- even so, if you are not sure about your colleague's feelings for you or have no idea about her marital arrangements, it would be a terrible idea to approach her with this. Moreover, she has never voiced her interest in you- “loves being with you” is not the same as she loves you romantically or lusts for you. Please tread very carefully.

I am saying all of these considering you have an open marriage. If that isn't the case, I don't think I have to tell you how wrong all of it is, and how much you should focus on your marriage and whatever is lacking in it; you can even try marriage counseling.

Hope this helps.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by dakshesh - Dec 15, 2024

Relationship

there is a girl and i truly love her but apparently not vice verca, she is dating bad guys and getting hurt again and again but not giving a single chance to me , i truly love her and ready to do anything for her, i confessed my feelings multiple times in front of her but she is like let it be and let the god do whatever he wants also she ghosts me pushed me away and many more things but from the first day we are in a complicated situationship.

Ans: Dear Dakshesh,
I can't speak for her, but I can tell you that when a person, man or woman, is pushing you away and voicing their disinterest, it's best to give them their space. It can either be she is not interested in you romantically or she needs time to get there. But you cannot manipulate, push, or convince her to like you that way. If it happens organically, then good. Or else, you should respect her decision. Moreover, don't you think you deserve someone who likes you back the same way and chooses you over everyone else? I sure think you deserve better.
Please let her make her own choices and as for you, make better choices that are good for you. This toxicity and complicated relationship might be subconsciously exciting right now, but it won't be for long. You will get exhausted.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by Neha - Dec 31, 2024Hindi

Relationship

Mujhe love me success kyu nahi milti

Ans: Dear Neha,
Finding love takes time for most people. Sometimes we have no control over these things. I can suggest dating apps. You can add a bio that describes you well and also mention the kind of person you want. This way you will only attract people who are compatible with you. It can increase your chances of having a successful relationship. Nevertheless, everyone's love story happens at different paces. Don't worry. You will find yours too, in time.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by Neha - Dec 30, 2024

Relationship

Mujhe love relationship me success nahi milti aisa kyu

Ans: Dear Neha,
Finding the right relationship takes time for most people. Sometimes we have no control over these things. I can suggest dating apps. You can add a bio that describes you well and also mention the kind of person you want. This way you will only attract people who are compatible with you. It can increase your chances of having a successful relationship. Nevertheless, everyone's love story happens at different paces. Don't worry. You will find yours too, in time.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 31, 2024

Relationship

I’m feeling really lost right now. I’ve been with my boyfriend for about a year, and things started out great. We have a lot in common, and we both enjoy going out with friends. But recently, I've noticed something that’s been bothering me. He works as a bartender, and every time I go to his bar, he gets upset about my friends being there. It feels like he’s trying to push me away from them, and I don’t know how to deal with it. Last weekend, we went out, and after a few drinks, I mentioned how uncomfortable it made me that he talked badly about my friends when they come to his bar. I thought I was being calm about it, but he just flipped out. He started yelling at me in the car, and I was so scared because he was driving way too fast and swerving. I told him I was going to call the cops, but he didn’t listen. Eventually, he pulled over, got out of the car, and started screaming and running around. It all felt so intense and out of control. When he came back to the car, things got physical. I slapped him in an attempt to make him stop, which I regret because I’ve never done that before. In the heat of the moment, he slapped me back and pushed me into a bush. The next day, I had bruises, and I just couldn’t stop thinking about everything that happened. Now, he’s been trying to buy me things and even booked a trip for us, begging me to stay. But I feel so unsure of what to do. I keep telling him that I need space, but it feels like he’s not really understanding the severity of what happened. I’m torn between wanting to make it work and realizing that this situation isn’t healthy. What should I do? Should I give him another chance or listen to my instincts and walk away for good?

Ans: Dear Anonymous,
First of all, physical violence is never the answer to any problem. I think you already know that. Coming to your main query, I think you should take the chain of events that followed after you confronted him very seriously. It's not healthy to slap and be slapped back and pushed into a bush. I am sure he regrets it just like you, but it can become a pattern. I would strongly urge you to rethink this relationship. If you are keen on keeping it going, I recommend either having an open discussion about what happened to make sure it is never repeated, or even better, consulting a therapist to work through the issues. You can have concerns and queries as to why he doesn't like it when your friends are around- that does not warrant such a harsh reaction.

I hope this helps.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 25, 2024Hindi

Money

Sir I am 39 years old. I want to retire at age 50.Now I have 60 lacs in fd in different banks and post office. I have 3.5 lacs in Mutual Fund. I have different properties including home valuing approximately 3.5 Cr.I have no loan.What is my financial position exactly now.How should I plan to get 1 lac monthly after retirement.

Ans: You have a solid financial foundation , Having static property is good to have, unless it is creating any income, otherwise it will be consuming expenses for maintenance. about plan to get 1 lac monthly after retirement at 50 you need to plan certain investments, for 12L(1L per month) per year you need corpus of 3 CR . Retirement Corpus Allocation: Plan to Achieve Your Goal:
1. Maximize FD Efficiency- Shift ?30 lakhs from FDs to debt mutual funds or balanced advantage funds for better post-tax returns (~7-8%). Keep ?30 lakhs in FDs/post office for emergencies and stable returns. 2. Grow Mutual Fund Investments:
Increase equity exposure to at least ?50 lakhs by systematic investments of ?50,000/month in equity mutual funds (e.g., index funds, large-cap funds). By doing this your Expected returns: 10-12% over 10 years, growing the corpus to ~?1.2 crore.
3. Utilize Properties- Explore rental income or liquidate one property closer to retirement to add to your corpus.
If one property generates ?50,000 monthly, you’ll need a smaller investment corpus for the remaining ?50,000.
At retirement allocate-50% in debt funds/FDs for stability and regular income. 50% in equity mutual funds for growth and inflation adjustment. Build an Emergency Fund: Maintain ?10-15 lakhs for unforeseen expenses post-retirement.
Regards, Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

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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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