How to deal with negative coworkers?

Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have other back-ups too instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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Ans: Sonal, KIIT Bhubaneswar clearly stands out as the best option among these colleges considering all critical aspects. It offers superior academic quality, infrastructure, placements, and global recognition. IEM Kolkata and LNCT Bhopal follow as good alternatives with decent opportunities. SRM Sonipat and ITER Bhubaneswar are ranked lower due to relatively lesser reputation and placement records. All the best for your admissions and a bright future!

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Ans: Your son scored 91.34 percentile in JEE Main and 94.6% in CBSE boards (General category). For Environmental Engineering, top NITs and IITs typically require a JEE percentile above 93-95, corresponding to ranks below 40,000, while his approximate rank is around 1.5-2 lakh. This makes admission to premier institutes unlikely without improvement. However, his excellent board marks open opportunities in reputed private and state universities that offer Environmental Engineering with more flexible admission criteria. He can also consider related branches like Civil Engineering with environmental specialization. If he aims for top institutes like IIT Bombay or leading NITs, dropping a year to improve his JEE rank and percentile is advisable. Without dropping, applying to good private/state colleges ensures admission now, while dropping offers a chance for better institutes later. This balanced strategy allows securing a good college immediately and the option to aim higher next year if desired. All the best for your son's admissions and a bright future!

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Ans: Keerthana, With your rank of 90,482, it is very unlikely to get a seat in CSE at VIT Chennai.

You may get a seat in CSE at VIT Bhopal or VIT Andhra Pradesh campuses.

Alternatively, you can consider other branches or campuses with higher cutoff ranks if you want to stay within VIT.

Recommendation:
Confirm your options during counseling on June 6th.

Be prepared to consider VIT’s other campuses or different branches if CSE at Chennai is not available.

Explore other colleges where your rank fits the cutoff for CSE. With your rank of 90,482, it is very unlikely to get a seat in CSE at VIT Chennai.

You may get a seat in CSE at VIT Bhopal or VIT Andhra Pradesh campuses.

Alternatively, you can consider other branches or campuses with higher cutoff ranks if you want to stay within VIT.

Recommendation:
Confirm your options during counseling on June 6th.

Be prepared to consider VIT’s other campuses or different branches if CSE at Chennai is not available.

Explore other colleges where your rank fits the cutoff for CSE. With your rank of 90,482, it is very unlikely to get a seat in CSE at VIT Chennai.

You may get a seat in CSE at VIT Bhopal or VIT Andhra Pradesh campuses.

Alternatively, you can consider other branches or campuses with higher cutoff ranks if you want to stay within VIT.

Recommendation:
Confirm your options during counseling on June 6th.

Be prepared to consider VIT’s other campuses or different branches if CSE at Chennai is not available.

Explore other colleges where your rank fits the cutoff for CSE. All the best for your admissions and a bright future!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Ans: Hello mam,
Yes it is sometimes tuf to handle such situation. You plz keep your calm and maintain your cool. Next step is to talk to your husband about this without saying anything bad about your sister in law. You can say that "I agree that your sister is caring about us and she is sharing hee motherhood experience with us and guiding us, but we should be handling our matters on your own now. She also has a family to take care. She should feel free from our side so that she can take care of her family without our tension."
This way he ll feel that you don't have any problem with his sister and will take into consideration your family's privacy.
Try this and revert back.
Take care!
Follow me on:
https://www.instagram.com/dr_upneet

Ans: Hi
LPU is a good choice. Don't go for VIT AP. We can wait for COMEDK results.

Ans: You are showing good financial planning by thinking before taking a big home loan. Taking Rs. 65 lakh loan at 8.5% interest is a major step. You also invest Rs. 20,000 in mutual funds monthly. That is a positive sign. Let's now explore the risks and solutions from a 360-degree view.

We will go point-by-point to make things easier.

Understand Your Financial Commitments Clearly

EMI of Rs. 56,600 is a fixed long-term obligation.

Mutual fund SIP of Rs. 20,000 is your wealth-building investment.

Together, Rs. 76,600 is going out monthly from your income.

That’s a big amount. You must assess if your income can handle it.

Also check if your job or business income is stable every month.

Build a Strong Emergency Fund First

Emergency fund is your first safety layer.

Keep at least 6–9 months’ of EMI + SIP in one savings instrument.

That means at least Rs. 5.5 lakhs in liquid savings or short deposits.

This will protect you from salary delays or job loss.

Do not invest emergency fund in equity or long-term products.

Don’t Increase EMI Just Because Bank Allows

Banks approve loans based on maximum eligibility.

That doesn’t mean you should take the highest EMI possible.

You must take EMI within 35–40% of your take-home income.

If EMI goes above 50% of income, you may feel pressure later.

Keep room for lifestyle, children’s needs, and medical needs.

Continue SIP Only If Basic Needs Are Covered

Your Rs. 20,000 SIP should not affect your daily cash flow.

If monthly budget is getting tight, reduce SIP for few months.

You can restart or increase SIP later when income improves.

Stopping SIP completely is not wise unless it’s a financial crisis.

Keep a Buffer Fund for Home Maintenance

Home ownership is not just EMI.

Repairs, painting, society charges, taxes are extra costs.

Keep a separate fund of Rs. 1–2 lakhs for home-related expenses.

Don’t use this fund for vacation or festivals.

Have Life and Health Insurance in Place

Before EMI starts, take term insurance to cover home loan.

Insurance should be 15–20 times of your annual income.

If you pass away, family should not suffer under EMI burden.

Also take health insurance for all family members.

Hospital expenses can disturb loan repayment if uninsured.

Don’t Rely on Property for Future Return

Never see real estate as investment to grow money.

Home should be bought only if you plan to stay in it.

Future property prices are uncertain.

EMI should be based on living need, not resale hope.

Review Loan Terms Carefully

Fixed rate or floating rate can impact your EMI later.

Floating rate changes with RBI decisions.

Check if your EMI will rise if rate goes from 8.5% to 10%.

Plan for higher EMI possibility from beginning.

Don’t Depend Only on Salary for EMI

Try to have secondary income.

This can be spouse’s income, rent, or part-time work.

This reduces pressure on main income.

Helps in EMI and SIP continuation even if income drops.

Track Your CIBIL Score Regularly

Loan repayment will impact your CIBIL score.

Keep EMI auto-debit active from account.

Never delay even a single EMI.

Keep credit card bills paid before due date.

Good credit score helps in future loan top-ups or balance transfer.

Avoid Taking New Loans While Paying Home Loan

Don’t take car loan, consumer loan, or credit card EMI now.

These loans reduce your repayment ability.

Also increase your total EMI percentage against income.

Stay debt-free except for home loan.

Revisit Mutual Fund Strategy with Expert

SIP is good. But review fund types with certified financial planner.

Avoid index funds or direct funds if investing without guidance.

Direct funds give no support or rebalancing help.

Regular funds with MFD and CFP give advice and timely review.

Actively managed funds offer flexibility in market ups and downs.

Plan for Prepayment, But Don’t Rush

Once you have emergency fund and insurance, think of loan prepayment.

Don’t prepay using all your savings.

Prepay only from bonus, surplus, or extra income.

Avoid selling mutual funds for loan prepayment.

Let mutual funds compound wealth in long term.

Check Tax Benefits, But Don’t Depend on Them

Home loan gives tax benefit on interest and principal.

But don’t take loan only for tax saving.

Tax laws can change anytime.

Focus on affordability, not deduction.

Maintain Budget Sheet Every Month

Keep monthly record of income and expenses.

Track EMI, SIP, groceries, utilities, kids’ school fees.

Watch out for overspending on lifestyle.

Adjust SIP or expenses if needed, but never EMI.

Avoid Financial Panic

Don’t panic if one month goes tight.

Use emergency fund calmly.

Don’t use credit card to pay EMI.

Don’t break long-term investments for short-term problems.

Educate Family Members Too

Make your spouse or family aware of EMI and financial plan.

Keep joint account for EMI and joint emergency savings.

Share insurance details and bank login in written file at home.

Build Financial Discipline

Don’t skip EMI or SIP due to temporary emotional decisions.

Don’t increase lifestyle expenses after home purchase.

Stick to budget even if salary increases.

Stay focused on debt freedom and wealth growth.

What to Do If Crisis Still Comes?

Contact bank immediately if EMI is difficult to pay.

Don’t hide or delay communication.

Ask for moratorium or restructuring if needed.

You may pause SIP but never miss EMI.

Revisit budget and cut unnecessary costs.

Prepare for Future With Step-Up SIP

Once you are stable with EMI, increase SIP slowly.

Increase by 5%–10% every year.

This helps in wealth creation for future goals.

Use mutual funds for retirement, child education, and long-term goals.

Finally

You are making a big decision. But you are asking right questions.

Loan of Rs. 65 lakh is not small. But manageable with discipline.

Keep EMI under 40% of income. Keep SIP going if income allows.

Build buffer funds, insurance, and stay calm under pressure.

Always seek expert advice, not emotional suggestions.

Review financial plan yearly to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: With a 90 percentile and a category rank of 20,000 in JEE Main, it's possible to get into a decent NIT, but you might need to consider some less competitive branches. NITs like Jalandhar and Durgapur might be an option for you, particularly in branches like Civil Engineering and Metallurgical Engineering.

Ans: That can't be told. You need to mention the specific branch.