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Chocko

Chocko Valliappa  |514 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 22, 2025

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 - May 22, 2025
Career

Hello , I am currently working as a middle school science teacher . I don't see any kind of growth in this profile . Is there a way to upgrade in the field of education by doing higher studies ? If so what can I study ? My qualification is masters in biochemistry Can I shift to any other job ?. Thank you

Ans: I believe teaching is really a noble profession where you are building the future of India. I wish you had given more details like years of score in MSc, experience, age as many options I am going to suggest may have age requirements. With a Master’s in Biochemistry and school teaching experience, you can pursue careers in senior secondary teaching, college lecturership of course with NET/SET, or edtech content development. Opportunities also exist in research labs, clinical trials, quality control, biotech industry, and science communication. Roles such as lab manager, curriculum designer, or policy analyst are also a possibility. Government positions viz drug inspector, food safety officer are also options to explore. Your background is well-suited for STEM outreach, NEET coaching, and international teaching roles. A short certification or B.Ed. can further expand your options across academics, industry, and public service sectors.
Asked on - May 22, 2025 | Answered on May 23, 2025
Thank you . I am nearing 40 yrs with 10 years of experience in teaching . I hope this will help you for further suggestions
Ans: Thanks for sharing. There will be many areas where you will be over-age, based on that you may pick options for pursuing or furthering a career in teaching. Ask for a bigger role in your current school and look for jobs as head of a school, where your age and experience will be an asset.
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Samraat

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Stock Market Expert - Answered on Aug 18, 2025

Asked by Anonymous - Aug 15, 2025Hindi
Money
I have debt of rs. 20lakhs which include pl and credit card bill payments and my monthly income is 28k only please suggest how to I am debt free
Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

...Read more

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