Computer Science or Electronics? My Dilemma at IIIT Kancheepuram and BITS Hyderabad

Ans: There in no harm in continuing with your PPF accounts, if you don't require liquid funds. PPF offers best Interest Rates.
Most welcome for any further clarifications. Thanks.

Ans: With a 94.15 percentile in JEE Mains, you have a decent chance of getting into Robotics or AI in some NITs, especially in newer or lower-ranked ones, but securing top-tier NITs or specific programs might be challenging. Best of luck. Professor.......................:)

Ans: consult to doctor

Ans: Yes, you can pay bills and recharges using a credit card without any extra fees by following these methods:

1. Use Payment Apps That Do Not Charge Fees
Many apps allow bill payments via credit cards without extra charges:

Amazon Pay
PhonePe
Paytm (for selected payments)
Google Pay (for certain services)
Before paying, check if they charge any convenience fees.

2. Use Your Bank’s Bill Payment Facility
Most banks provide bill payment options via credit cards without charges.

Check your bank’s net banking or mobile app for bill payments.

Some banks have offers or cashback on bill payments.

3. Pay Directly on Service Provider Websites
Some service providers accept credit cards directly without fees:

Electricity bills
Gas bills
Mobile and DTH recharges
Broadband payments
Go to the official website of your service provider and check.

4. Look for Credit Card Offers & Cashback
Some credit cards offer rewards, cashback, or discounts on bill payments.

Check your credit card issuer’s app for ongoing offers.

Some cards offer zero-fee auto-pay for bills.

5. Avoid Third-Party Payment Gateways
Many third-party payment sites charge 1%–2% extra for credit card payments.

Avoid platforms that add “convenience fees” at checkout.

Always compare fees before paying.

6. Use Reward Points for Bill Payments
Some credit cards allow you to redeem points for bill payments.

Check your card’s rewards portal to see if this option is available.

Final Tip
Always check transaction details before paying. If there is a fee, try another method or platform.

Let me know if you need specific platform recommendations!

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: For aspiring pilots in India seeking government-run institutions with scholarship opportunities, consider Indira Gandhi Rashtriya Uran Akademi (IGRUA), Rajiv Gandhi National Aviation University (RGNAU), and the Telangana State Aviation Academy (TSAA).
Here's a more detailed look:
Indira Gandhi Rashtriya Uran Akademi (IGRUA):
Located in Fursatganj, Uttar Pradesh, IGRUA is a well-regarded government-run pilot training institute known for producing skilled pilots. It offers various courses, including Commercial Pilot License (CPL) and Airline Transport Pilot License (ATPL), and has a strong reputation for training excellence.
Rajiv Gandhi National Aviation University (RGNAU):
This government aviation training institute in Uttar Pradesh is known for producing excellent aviation professionals.
Telangana State Aviation Academy (TSAA):
Established in 1932, TSAA is a pioneer in training pilots and aircraft maintenance engineers, and has been recognized as a top academy. TSAA also offers scholarships to deserving students through the Ministry of Social Welfare and Tribal Welfare.
Other Notable Institutions:
National Flying Training Institute (NFTI): A joint venture between CAE Inc. and the Airport Authority of India, NFTI is a popular pilot training facility.
Bombay Flying Club: One of the oldest flying schools in India, Bombay Flying Club is known for its training and facilities.
Orient Flights Aviation Academy (OFAA): A leading aviation academy in India, OFAA is known for its CPL program and is part of the Hindustan Group of Institutions.
Chimes Aviation Academy: This academy is a top aviation training institution in India, approved by the Directorate General of Civil Aviation.
IGIA (Indira Gandhi Institute of Aeronautics): IGIA is another well-regarded aviation institute.
Bihar Flying Institute: This institute offers certificate courses to students preparing for a flying career.
Best of luck to your daughter. Professor..................:)

Ans: For JEE Mains preparation in East Delhi, popular and well-regarded offline coaching institutes include Aakash Institute, FIITJEE, and Narayana Institute.
Here's a more detailed look at these and other options:
Aakash Institute:
Known for its structured programs, experienced faculty, and extensive test series, Aakash Institute has a strong track record in JEE preparation.
FIITJEE:
FIITJEE is another leading coaching institute with a reputation for quality education and comprehensive guidance for IIT-JEE aspirants.
Narayana Institute:
Narayana Institute is known for its well-researched teaching methods and experienced faculty, ensuring students are well-prepared for both JEE Mains and Advanced.
Best of luck. Professor................:)

Ans: Yes, there are banking-related part-time jobs available to work from home, with roles like customer service, back-office support, and data analysis being common examples.
Here's a breakdown of potential opportunities:
Types of Part-Time, Work-From-Home Banking Roles:
Customer Service/Support:
Handling customer inquiries, resolving issues, and providing assistance remotely.
Back Office Operations:
Tasks like data entry, processing transactions, and background verification.
Data Analysis:
Analyzing financial data, identifying trends, and supporting decision-making.
Financial Advisor/Consultant:
Providing financial advice and guidance to clients remotely (may require specific qualifications).
Accountant/Bookkeeper:
Maintaining financial records, preparing reports, and ensuring accuracy (may require specific qualifications).
Compliance Officer:
Ensuring adherence to banking regulations and policies.
Where to Look for These Jobs:
Job Boards: Check job websites like LinkedIn India, Indeed, and Built In.
Company Websites: Explore the careers sections of major banks and financial institutions, such as Axis Bank or HDFC Bank.
Gig Platforms: Consider platforms like Gig-A-Opportunities for flexible, project-based work.
Skills and Experience:
Strong Communication Skills: Essential for interacting with customers and colleagues.
Analytical Skills: Useful for data analysis and problem-solving.
Proficiency in Relevant Software: Knowledge of banking software and financial applications.
Banking Knowledge: Familiarity with banking terminology, products, and processes.
Prior Experience: While some roles may be entry-level, others may require experience in banking or finance.
Best of luck. Professor......................:)

Ans: Sleep issues are very common, but yoga and a balanced routine can help you sleep better and wake up refreshed. Your early morning waking and evening sleepiness suggest that your body clock needs resetting.

Yoga Practices for Better Sleep
? Viparita Karani (Legs-Up-The-Wall Pose) – Calms the nervous system and reduces fatigue.
? Supta Baddha Konasana (Reclined Butterfly Pose) – Relaxes the body and mind.
? Balasana (Child’s Pose) – Relieves stress and tension.
? Shavasana (Corpse Pose) with Deep Breathing – Helps the body enter a deep relaxation state.

Pranayama (Breathing) for Relaxation
? Anulom Vilom (Alternate Nostril Breathing) – Balances energy and calms the mind.
? Bhramari Pranayama (Humming Bee Breath) – Reduces mental chatter and stress before sleep.

Tips to Reset Your Sleep Cycle
Avoid naps after 3 PM to prevent late-night insomnia.
Stick to a fixed bedtime (10 PM) and wake-up time (6 AM).
Avoid screens and caffeine at night; instead, practice deep breathing or light reading.
Have a light early dinner (before 8 PM) to aid digestion and promote sleep.
Guidance Matters!
A yoga coach can help you create a personalized relaxation routine to restore natural sleep patterns. With practice, your body will find its natural sleep rhythm again!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: I appreciate your love for Surya Namaskar, but with an umbilical hernia, you need to be very careful. Surya Namaskar involves forward bends, backbends, and core engagement, which can put pressure on your abdomen and worsen the hernia.

Can You Do Surya Namaskar?
It is not advisable to practice it without modifications. Certain movements, like deep forward bends and intense core activation, may strain the hernia area. Instead, you can focus on gentle yoga poses that strengthen your core safely.

Safe Yoga Asanas for Umbilical Hernia:
? Tadasana (Mountain Pose) – Improves posture and strengthens the body.
? Vrikshasana (Tree Pose) – Enhances balance without straining the abdomen.
? Supta Baddha Konasana (Reclined Butterfly Pose) – Relaxes the abdominal area.
? Setu Bandhasana (Bridge Pose, with support) – Strengthens the core safely.

Pranayama for Healing:
? Anulom Vilom (Alternate Nostril Breathing) – Improves oxygen flow.
? Bhramari (Humming Bee Breath) – Reduces stress and promotes healing.

Guidance is Important!
Since you have had uterus surgery, working with a yoga coach will ensure you practice safely. A coach can help modify poses to protect your abdomen while keeping you active. Wishing you a safe and healthy recovery!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/