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Should I Pursue BS Research or Engineering for a Stable Life?

Nayagam P

Nayagam P P  |11252 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Aryan Question by Aryan on Sep 30, 2023Hindi
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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 😭 please 🙏

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

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Ramalingam

Ramalingam Kalirajan  |11160 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2026

Money
Mujhe ek Lucknow development authority ki property jo 1988-89 me allot hui thi mere father se unke registered wasiyat ke adhar par mili,jiski kul keemat jama ho gai hai aur freehold hai, Unki death 2016 me ho gai, us property ki registry mere nam lda a abhi 2026 me huee hai -mai ise vikray karna chahto hu,kripya bataey ki yah long gain capital gain ke adheen hi mana jaega tatha iski amount se koi dusari property do varsh ke bheetar kray kar sakta hu ki nahi
Ans: Your case is quite clear and favourable from a tax point of view. I will explain in simple terms.

» Nature of Capital Gain – Long Term or Short Term

The property was originally allotted to your father in 1988–89
You received it through a registered Will after his death in 2016

As per tax rules:

When property is received through inheritance, the holding period of the previous owner (your father) is also considered

So:

Holding period starts from 1988–89, not from 2016 or 2026

Hence:

On sale, it will be treated as Long Term Capital Gain (LTCG)

» Cost of Acquisition – Important Point

You can take the original cost of your father
Also, you can use indexation benefit from the year of purchase

This will reduce your taxable capital gain significantly

» Tax on Sale

LTCG on property is taxed at 20% with indexation benefit

» Exemption Option – Buying Another Property
Yes, you can save tax by reinvesting

Under Section 54:

You can buy another residential property
Time limits:
Purchase within 2 years after sale OR
Construct within 3 years

Conditions:

New property must be in your name
Capital gain amount (not full sale amount) should be invested

» Alternative Option – Capital Gains Bonds
If you do not want to buy property:

You can invest in specified bonds within 6 months
This also gives tax exemption

» Practical Suggestion

Plan the sale and reinvestment carefully
Calculate indexed cost before deciding reinvestment amount
Keep documentation of inheritance and original allotment safe

» Finally

Your gain will be treated as Long Term Capital Gain
You are eligible for indexation benefit
You can buy another property within 2 years to save tax
Proper planning can reduce tax significantly

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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Radheshyam

Radheshyam Zanwar  |7055 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 01, 2026

Asked by Anonymous - May 01, 2026Hindi
Career
Hii respected sir I passed my 12th hsc in 2024 from Maharashtra state board ( pcb) and my marks scored was Physics - 65 Chemistry- 65 Biology- 82 English - 76 Fisheries- 159 And I was preparing for neet ug 2024,but unfortunately I wasn't able to make that year due to neet scam and all what happened that year... And took drop year to prepare for neet ug 2025...and was prepared enough but at the end got panicked due to the tough examination and even in my 2nd attempt I was not able to make it that year too... So I gave myself one more last chance... And got the gut to take another drop year(2nd drop for neet ug 2026)..and I started my prep in July 2025 ( with pw yakeen batch) everything was going good initially.. Was doing regular classes.. Giving mocks and all.. No stress.. And was Beleiving that this time I will definitely make it in 2026 ... But then came the actual phase of my prep.... When I saw all my friends moving out, doing different courses, and improving their lives.. While I had been stuck in the neet loop.... I felt absolutely lonely, I used to be depressed my whole day, and because of this I used to constantly regret about my past decisions that if I could have done that life could have been much better, and I faced some family problems, taunts from relatives which affected me so much mentally, I got affected by allergic asthama.. And just 3 months before neet.. My 15 days wasted due to asthama and fever... I loosed my weight.. And in January and February... I wasn't even able to sleep properly ,I was just depressed that what if I also will not be able to make this year too.. It's already my 3rd attempt... And somehow I kept going but in April I finally accepted that I will not be able to clear neet ug in 2026 too.....And at the end I just wanna say is I wasted my 3 precious neet ug attempts and 2 drop years.. Coz when you are not able to achieve anything that's totally a waste.. And now I only have two options either I regret everything and waste more time or I just move forward thinking about my career... I decided that I will take a final drop year( last attempt) for NEET 2027, I know many people will say that pls don't take it... Coz I definitely know that it will be much more difficult.. But in all the 3 attempts I gave for neet ug.. I was never able to give my best.. and I know very well from my side that if just once I gave my best na.. I will definitely clear it... But it's definitely gonna be my last attempt for 2027..and I cannot afford a 0.1% of error in my preparation... And if I didn't cleared this time.. I am definitely gonna leave this rat race... And that's why I decided to take another (3rd and last drop for neet 2027) and alternatively if I didn't cleared neet ug and didn't got into mbbs... Instead of doing other courses like bams, bhms, biotech, bsc... I decided that I will do engineering but I didn't took maths in hsc 2024 boards and that's why I wanna know about the isolated subject examination.. I heard that even if I am from pcb background... I can do engineering.. I just wanna appear for isolated subject examination maths in 2026(july) so can i give isolated exam in 2026 in July 2026 ( coz improvement exam occurs in July only) and I don't wanna wait for 2027 for maths exam..........so would I be eligible for engineering?? What I have to do further can someone pls explain me I don't have any idea about it... What I have to do further? Coz for second option if I didn't cleared neet ug 2027 I am gonna take admission in engineering in 2027 through mhtcet 2027 pcm examination. So can I do it... So what I have to do further ? Can you pls help me with it sir? And o definitely know that if I just get once the chance of mhtcet I can definitely score 95+ percentile which will help me in landing into very good engineering colleges like ict, vjti, etc.
Ans: When no magic happened in 3 attempts, what will happen in the 4th attempt? Just a waste of time and money. Not at all recommended to repeat the same exercise again and again without any solid outcome. You have a lot of excuses to escape from the studies.

Yet, to boost your morale, here is my short reply: If medicine is still your dream and you truly believe you have one best attempt left, take NEET 2027 with a disciplined “final-shot” mindset, but build a smart backup in parallel by confirming with the Maharashtra State Board of Secondary and Higher Secondary Education whether you can appear for Mathematics as an isolated or additional subject in 2026. If accepted and recognized for eligibility, that can open the path to engineering via MHT-CET/JEE as a strong Plan B, giving you both hope and security instead of an all-or-nothing gamble.

Good luck.
Follow me if you receive this reply.
Radheshyam

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