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How to deal with a jealous classmate who threatens me?

Archana

Archana Deshpande  |103 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

Archana Deshpande, the founder of TransformMe Life Skills Coaching, is an image consultant, soft skills trainer and life coach.
She has been working with individuals and corporate organisations for more than 10 years during which she has helped professionals and students improve their soft skills, build confidence and enhance self-esteem.
An engineer from the PDA College of Engineering, Gulbarga, Archana had a successful career at Reliance Communications. But she has always been interested in teaching and training people. So she pursued a postgraduate diploma in teacher’s training at Pune’s Symbiosis Institute of Management Studies followed by teaching assignments in schools at Visakhapatnam and Mumbai.
Archana also holds an international certificate in image consulting and soft skills training from the Image Consulting Business Institute, Mumbai.... more
MADHURRYA Question by MADHURRYA on Oct 11, 2024Hindi
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Career

I was the first boy in my school before the covid 19 started. But due to lockdown, our school took Online Exams and everyone gave their exams sitting at their home. I am vey honest in life so I didn't cheat like the three boys who repeatedly claimed the top three positions for the last three years. But now, one boy has slipped off from the top 10 positions due to extreme poor in study. But two boys still comes 1st and 2nd respectively. I was back few positions during covid and now I came Fifth this time. One boy named (---) who used to come second, came third this time, is very rude and jealous of my success and literally threatens me. From then, I decided to cross him from his place and show them who I was and I am. I have been trying my best at my studies to be at a better position this time. So, I request for more suggestions from you to improve myself and be better this time. Thank You.

Ans: Dear Madhurrya!!

You have a nice and unique name.. it sounds so good!! I like that fact that you are honest, it's a strength, let this not change because of cheating students. Good people don't change because of bad people. All the best on staying honest always , remember it is your strength.

Coming to your question..it's nice to have ppl competing with others and upping their game. If it is a respectful way, then go ahead and compete and become better, just like Rafal Nadal and Roger Federer, they became good at what they were doing by competing with each other.
Forget about that boy who threatens you...don't give him any space in your head, stay away from him and be strong enough to defend yourself when he tries to harm you, take help of elders if he physically harms you. Don't get into any verbal duels, he is not worth your time and attention. BE SAFE.

Let's now look into you getting better marks and upping your score..
1. discipline and consistency is what will help you score well
2. the power to score better lies in not just regular studies but in your revision. After you study a chapter, revise it within 10 mins , once in 24 hrs and then after 07 days. This way the learning gets absorbed completely.. try it out, maintain a diary for to plan every chapter's revision .. let me explain.. supposing you study chapter 09 in Science, then you revise the concepts for 10 mins after you finish studying it. Revise it the next day( 24 hrs).. and then mark in the diary to revise it after 07 days, revise it on that day. Your retention and reproducing the learning goes up by 80%.
3. Get enough sleep, eat good balanced diet, get 20 mins of physical activity and meditate for 10 mins. The simplest meditation is to sit in a quiet place, relax, close your eyes and observe your breath going in and out. Don't fret if you lose focus, just get back to observing the breath.
4. you keep working on your studies and yourself. You focus on becoming better, forget about all else and do not compare yourself with anyone.

All the very best!!
Career

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Hi Anu ma'am, I'm a class 12th JEE aspirant. Right now my life is actually seeming to be over. I have my board exams going on and JEE mains on head. The exams are not a problem but those expectations of performing good are. I've been a good student till now. Scored 96.6% in 10th and was always a sincere and obedient child. My father is an alcoholic and mother, a typical Indian housewife who is all nice, hardworking, busy with house chores, frustrated and tired all day. Before the pandemic life was much easier to me. I would go to school and forget all these problems with my family. Oh I didn't mention that my father sometimes turns abusive and beats my mother. I don't know how safe it is to share here but I wish to confide in you. So this pandemic ruined it all. I had to face the reality of my life at home. I couldn't join any coaching or tuitions as this is not that developed place. I had to manage my studies with all this stress. I kind of ruined all my progress and image as a decent performer in school. I would never in a million years blame my environment for this. My parents love me and always wish the best for me. But right now I'm scoring really low in boards as well as JEE mock tests. All this is breaking me. I always wished to study hard and explore a world outside this little, not so happy house. I don't know what I'll do if I don't get a good government school. I want to make things happy between my parents and maybe if I earn well, I can do something...I don't know what but seems like money can fix a lot of things. I'm really so depressed...I was on anti-depression pills but felt like not to continue them as they made me overthink more...I don't know why. Nowadays I would just go on and sit uselessly or sleep for the entire day as I just want it to get over. Nobody sees how sad I'm. My father is busy with his office work and mother is depressed and traumatized to some levels. I feel like I can't burden them with all this anymore. I talked to my father to get things healthy but he gets all angry and aggressive.... and I'm really weak to face that both mentally and physically. I really wish that you get time to write back to me. I really need some help. I read an article where you answered some queries and couldn't stop myself. I just want to see if it's actually over or I have anything still left in this world for me :(Thank you
Ans:

Dear A,

Thank you for reaching out.

My response will be out here and shared online but your name does not appear, so it will be strictly confidential.

Sometimes we get into situations that we obviously don’t want to be in; like I am sure you didn’t want to be in a place filled with doubts and anxiety.

But hey, do you realise what’s nice about you?

You have a trait that doesn’t believe in blaming her parents and indulging in self-pity. And that’s wonderful and you know why?

Because when you shift focus onto yourself, you start to step up and do something more useful like value and respect your own life.

So, why don’t you start with listing down all the things that you are good at.

Next, the way you used to study earlier was effective; bring that schedule and pattern of studying back.

Write down the goal/outcome clearly and put down steps to achieving it. Exams are just one part of your life and not your entire life.

As for improving your environment, all that you can do now is, fortify yourself from the heated debates and sadness and how?

By spending time with friends who support and care for you, listening to music, indulging in things that you love doing.

And lastly, smile a lot! It will make you feel wonderful from within.

Celebrate what you have and live that moment! And most importantly, love yourself and the rest will follow…

All the best!

..Read more

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Hello! Advait ji, My Mom is 82 and gets family pension. She has 70 lakhs FD maturing in March 25. I would like to invest 10 lakhs in FD as emergency fund. Kindly advice how to invest the remaining 60 lakhs, which is risk free and gives good returns (better than FD) She has the following investment - 1. 10 lakhs in Edelweiss Multicap Fund - Gr 2. 2 lakhs 40 thousand in HDFC Flexicap Fund -Gr 3. 2 lakhs 40 thousand in HDFC Midcap Opportunities Fund 4. 2 lakhs 50 thousand in Invesco India Focused Fund 5. 2 lakhs 50 thousand in LIC MF Infrastructure Fund 6. 2 lakhs 50 thousand in Motilal Oswal Large and Mid-Cap 7. 2 lakhs 40 thousand in Nippon India Large Cap Fund 8. 2 lakhs 40 thousand in Nippon India Multicap Fund 9. 2 lakhs 40 thousand in Nippon India Small Cap Fund 10. 2 lakhs 40 thousand in Quant Small Cap Fund. Total Mutual fund investment of 32 lakhs. Apart from MF she has invested in Bajaj Allianz Life insurance plan, where she will investRs 2 Lakhs per year for 10 years. This is a guaranteed plan. She is comfortable running the house with her pension. However, please suggest shorter duration investments (5 yrs) Regards Namrata
Ans: Hello;

She may opt for any of these investment avenues:

1. Post office time deposit scheme(FDs offered by post office for 1,2,3 & 5 year tenure); Joint holding allowed; Premature withdrawal allowed after 6M. (Current ROI 6.9-7.5%)

2. NSC with a fixed tenure of 5 years; No premature withdrawal allowed. Can be held jointly(Current ROI 7.7%)

3. KVP: Although tenure is 9 yrs and 5 months, you may do premature encashment after 2.5 years; joint holding allowed;(Current ROI 7.5%)

You may approach a reliable postal agent to process these investments to avoid hassle of frequent post visits and associated hardships.

These are backed by GOI so no risk of default.

Hope this meets your requirements.

Best wishes;

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1061 Answers  |Ask -

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I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?
Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:


Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

...Read more

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Ans: Hello;

6 L worth investment in 18 different funds is spreading it too thin.

You have a time horizon of 10 years but how much corpus you want to accumulate after 10 years kindly clarify?

Also if you can specify the goal for which this investment is aimed at then it will help us to suggest suitably.

I will recommend you strategy to rationalize you MF holdings once you revert on the above points.

Thanks;

...Read more

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Milind Vadjikar  |1136 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025
Money
Sir, I am Mudassar, 40 years old, i have 3 childrens, 2 daughter and son. Sir, i need your suggestions/guidance becaz i am in very crtical situation. My take home salary is 40K and my father (retired age 74 ) salary is 35K , we both have personal laons to build house. I have two running LIC's , on which i have taken loan also. Recenlty we build own house , if i sell now, i will get around 42 to 45 Lakhs . My lloan detailsbelow ; 1. HDFC 7,20,000 emi 14K 2. Company emi 1,50,000 emi 4K 3. LIC loan 2 laks emi 2K 4. Father loan 4 lacks , two year remaining, emi 14K Total emi : 34K Apart from we are paying 15K monthy to chit fund , still 15 months remaining. Summary: Total sal 75 K , after laon and chit fund deducting , will get 26K to run home , including grocery, children fees , health etc... its very difficult to manage, and keep thinking to take extra loan .. as i said earlier , have two LIC's , i am.paying 56K every year . What i am thinking is, i will sell my house And clear all my laons .. and approximate i will have 25 Lakhs remeaing , so i will inest in mutual fund , SIP , SWP, index fund for long time investment .. So i.am in very confusing mode , whether i have to sell my house .. and start my investment journey... pls help sir .. My finacial conditions are very similar to all middle class family.. Request you to please reply and give your sugestion for investment joury. Awaiting your kind reply .. Thanks in advance ...
Ans: Hello;

Suppose you sell your house and clear your loans and other liabilities but where will you & your family stay?

How much rental per month would be required to get an adequate house on rent?

Please clarify. Based on your input we can advise you suitably.

Thanks;

...Read more

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