Confused 12th Grader: Which Engineering Course Holds the Future?

Ans: Currently, stem cell therapy for diabetes cure is not available in India.
There are some recent reports of treatment of diabetes but those are at research level.

Therefore, if someone promises cure for type 1 diabetes, please do not believe outrightly and do the due diligence before making any decision.

Ans: This is an old query and hope you have taken action to manage the issue.
However, for benefit of other readers who may have similar issue, I would suggest following.
For any such complaint, first thing is to Get CBC , KFT and Urine test done, which will indicate whether it is blood and whether such situation is due to Urinary tract infection etc.
Urine infections could be severe and may affect kidney etc. Sometimes, urinary system stones may also cause this situation. Diabetes may also cause such situation. It is better to consult with a physician for in person opinion.

Ans: I suppose you are asking about reducing creatinine levels.
I would suggest to get complete range of KFT and discuss with a specialist. Creatinine is very sensitive marker of kidney functions. Also, get eGFR done.

Thereafter, depending upon what are the creatinine levels, medical and lifestyle measures can be taken.

It is possible to reduce naturally but first follow doctors advice,

Ans: Hello Sushma.
About your query, please refer/read my reply by copying and pasting the following link in your browser:
https://gurus.rediff.com/question/qdtl/career/pcb-12-regular-candidate-cbse-gave-maths-additional-subject-private/5181060

Yet to reply,
(1) You are eligible to appear for JEE (Mains).
(2) Even if you do not appear for JEE (Main), then at least you appear in your state-level engineering entrance examination. If you score high, you may get a seat in Govt Engineering College; if you score less, you can be admitted to any pvt college for B.Tech.

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

Radheshyam

Ans: A Systolic BP of 220 mmhg need attention. However, single reading is not immediate concern and should have been repeated after 5 min and in both arms.
A BP of 160/110 also require treatment.

The high BP does not always results in symptoms but it can result in damage of various organs such as eyes, kidney, heart and vascular system. People may develop various complications.

Therefore, you are advised to get her started on treatment and bring the BP in normal range. Also, please do BP charting atleast twice in a day and share with physician.

All these

Ans: My question to you is why did you get the ultrasound done? Was there any clinical condition.
Usually, if someone is normal weight for their height, there should not be fatty liver. Cyst in Ovary are common and those may disappear.
Please dont be disheartened. Just follow. a healthy lifestyle by eating fruits and vegetables, regualr physical activity. Dont eat junk food and adapt a balanced lifestyle by sleeping atleast 8 hours. No alcohol or smoking. You should be fine in coming months.

If condition persist, consult a physician in. person. Having said that, there is no reason to be concerned for conditions you have mentioned. Those are fully curable and manageable.

Ans: Building a Rs. 2 Crore Corpus in 10 Years
Age: 34 | Current Salary: Rs. 70,000 per month
Total Loan: Rs. 15 Lakhs (Personal + Credit Cards)

You aim to build a Rs. 2 crore corpus in 10 years, despite having loans and a limited current surplus. Achieving this goal requires a balanced financial strategy. I will suggest a detailed, 360-degree plan for you, focusing on debt reduction, systematic investments, and discipline.

Current Situation Assessment
Salary: Rs. 70,000 per month
Loans: Rs. 15 lakhs
Loan EMIs: Rs. 35,000 per month
Grocery expenses: Rs. 5,000 per month
Available Surplus: Rs. 30,000 per month
You already have Rs. 35,000 going towards loans and Rs. 5,000 towards groceries. This leaves you with Rs. 30,000 to work with monthly. Here’s how you can manage this amount effectively.

Step 1: Prioritize Debt Repayment
Your primary focus should be to clear high-interest loans first. Personal and credit card loans usually have high-interest rates. These loans could eat into your savings if not managed carefully.

Allocate Rs. 25,000 from your surplus for loan repayment.
Focus on credit card debt first, as it is likely the costliest loan.
If possible, opt for balance transfer or debt consolidation to reduce the interest burden on these loans.
Step 2: Emergency Fund Creation
Given your past medical emergency, it's important to build an emergency fund. This will act as a financial cushion for unforeseen events.

Allocate Rs. 5,000 per month from your available Rs. 30,000 surplus.
Aim to accumulate 6 months of your expenses, which should be around Rs. 2 lakh.
Keep this amount in a liquid fund or high-interest savings account for easy access.
After clearing loans, you can increase this allocation further.

Step 3: Systematic Investment Plan (SIP) for Wealth Creation
Once your loans are under control, you will have more surplus to invest. To achieve Rs. 2 crore in 10 years, Systematic Investment Plans (SIPs) will play a key role. Here’s how to begin.

Start by investing Rs. 5,000 to Rs. 7,000 monthly in mutual funds initially.

Large-Cap Mutual Funds: Stable returns and lower risk.
Flexi-Cap Mutual Funds: Offers a mix of large, mid, and small-cap exposure.
You can gradually increase this SIP as you free up more funds after repaying the loans.

Step 4: Focus on Retirement through NPS
You are 34 now and should also begin thinking about retirement savings alongside other goals.

Consider investing in the National Pension System (NPS).
You can allocate Rs. 2,000 to Rs. 3,000 per month towards NPS.
It has tax benefits under Section 80C, and the returns from equity exposure can help in long-term wealth building.
Step 5: Use Tax Savings to Boost Investments
Maximize tax-saving opportunities to increase your investment potential.

Section 80C: You can invest in ELSS mutual funds for tax-saving purposes, PPF, or NPS.
Health Insurance Premiums: Take advantage of Section 80D for your and your family’s health insurance.
Any tax refunds or savings should be channelled back into your SIPs to boost wealth creation.
Step 6: Revisit and Reduce Insurance Burden (If any)
If you have LIC policies, especially those that combine insurance and investment, assess their performance.

If the returns are low, consider surrendering them and reinvesting in mutual funds.
Get a pure term insurance for adequate life cover at a lower cost, which won’t affect your long-term savings.
This strategy helps in cost optimization, leaving more for investments.

Step 7: Regularly Increase SIP Contributions
As your salary increases or once you have cleared your loans, step up your SIP contributions. To reach Rs. 2 crore in 10 years, you will need to invest aggressively.

You can follow the 10% rule for SIP step-ups each year.
As a benchmark, an Rs. 30,000 per month SIP in the long term (post-loan repayment) can significantly increase your chances of achieving your goal.
Step 8: Review and Monitor Performance
Financial plans should be flexible and adaptable. As market conditions change, periodically review your investments to ensure they are on track.

Annually review the performance of your mutual funds with your Certified Financial Planner (CFP).
Shift from underperforming funds to better options if required, but always stay consistent with your investment goals.
Finally: Achieving Your Goal of Rs. 2 Crore
Based on the above steps, let’s consider the long-term picture:

Clearing debt in the next 3-4 years will free up a large chunk of your income.
Increasing your SIP gradually to Rs. 30,000 - Rs. 35,000 per month after clearing debt will set you on track to achieve the Rs. 2 crore target.
Stay disciplined and review your portfolio regularly to adjust to changing circumstances.
Best Regards,

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

Ans: Please specify how much higher than normal range. Minor variation is not an issue. Then, you have mentioned that range is and not absolute count. The range is within normal limit.

We need to remember that it is not minor variation or lab values in isolation which matters, we should clinically correlate the findings.

Next time, please share detailed complete blood count for better understanding and explanation. These also need to be correlated with other lab markers.

Ans: Understanding Your Current Scenario
You own three properties with no loans on two of them:

Property 1 (Flat): Valued at Rs 1.5 crore.
Property 2 (Office): Valued at Rs 2 crore.
Property 3 (Flat): Valued at Rs 4 crore, with a Rs 1.5 crore loan.
You are planning to shift from Property 1 to Property 3. You also expect rental income of Rs 50,000 from Property 1 and Rs 80,000 from Property 2.

Loan Repayment or Continuing EMI: Factors to Consider
Here are some key aspects you need to evaluate before deciding to sell or continue the loan:

1. Interest on the Loan
The first question is: What is the interest rate on your home loan for Property 3? If the interest rate is high, clearing the loan might make sense.
If your loan interest rate is below 8%, the loan cost is relatively low. You could consider continuing the loan and using your surplus for better investments that generate higher returns.
2. Rental Income Stability
You are getting a rental income of Rs 1.3 lakh from Property 1 and 2 combined. This is a steady income stream that can support your monthly EMIs or other expenses.
If you sell one of these properties, you will lose this stable rental income. Consider how this will affect your long-term cash flow.
3. Opportunity Cost of Selling the Properties
Selling Property 1 or 2 will give you liquidity to clear the loan on Property 3. However, this would result in the loss of rental income of Rs 50,000 or Rs 80,000.
Think about the potential appreciation of these properties. If you expect significant future value increase, holding onto them may be wise.
4. Capital Gains Tax Consideration
If you sell either property, you will need to pay capital gains tax. The tax implications can reduce the actual amount you get from the sale.
Before making a decision, calculate the tax you will need to pay on selling the property, especially if the property has appreciated significantly.
5. Emotional Factor and Usage
Consider how emotionally attached you are to these properties. Would selling a property you’ve lived in or used for a long time affect your decision?
Also, think about how you may want to use these properties in the future. If Property 2 is an office, will it have future business use?
Benefits of Keeping the Loan
Keeping the loan on Property 3 can be a smart option if:

The interest rate on the loan is low.
You can comfortably pay the EMIs from your rental income or other sources.
You want to hold onto your properties for long-term capital appreciation.
Benefits of Clearing the Loan
Clearing the loan by selling Property 1 or 2 might make sense if:

The interest rate on the loan is high and you want to avoid paying interest over a long period.
You prefer a debt-free lifestyle and don’t want the burden of monthly EMIs.
You can sell the property without significant tax losses or future appreciation concerns.
Analyzing Each Option
Option 1: Continue the Loan on Property 3
You keep both Property 1 and 2 and continue earning Rs 1.3 lakh in rental income.
Use this rental income to cover a portion of the EMI on Property 3.
Over time, property prices are likely to appreciate, giving you more equity on these assets.
This option is ideal if you have a low-interest loan and prefer to hold onto your assets.
Option 2: Sell Property 1 or 2 to Clear the Loan
You become debt-free by selling either Property 1 or 2.
However, you lose the rental income from the property you sell.
You might face capital gains tax, which will reduce the actual liquidity you get.
This option works if you want to eliminate your loan burden and don’t mind sacrificing rental income.
Rental Yield vs Loan Interest
Another point to evaluate is the rental yield.

If the rental yield (rental income as a percentage of property value) is higher than your loan interest rate, it may be more profitable to continue with the loan. If it is lower, you may want to consider clearing the loan.

For example, if your rental yield is 3% and your loan interest rate is 8%, the loan costs are higher. In this case, clearing the loan might be a better option.

Tax Deduction on Loan Interest
Don't forget that home loan interest payments qualify for tax deductions under Section 24(b) of the Income Tax Act. If you fall in a high tax bracket, you might get significant tax relief by continuing the loan. This could make the loan cheaper overall.

Finally
Making this decision requires balancing your long-term financial goals and current financial comfort. It’s not just about clearing the loan but about ensuring that your assets and cash flows are optimized for the future.

If your loan interest rate is low and you can comfortably pay the EMI, consider keeping the loan. The rental income you have is steady, and property values are likely to appreciate.

If the loan interest rate is high or the EMI feels burdensome, you might want to clear the loan by selling one of your properties. But do keep in mind the tax implications and the long-term benefits of retaining your properties.

I recommend speaking to a Certified Financial Planner to analyze this further, as personal financial situations can vary greatly.

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