Hi sir, I m a person looking for opportunities. But I am stuck in my career. I m an MBA Graduate (Marketing & HR Specialization) from Hubli, Karnataka. I have passed out in 2015. I have worked as a Business Development Executive for a small firm and then I worked as HR Executive in Bangalore from 2016-2018 in Bangalore. I left the job to join family business in Hubli. But the business ran into too much of debts and we have it someone else. I have also worked with Bajaj Allianz Life insurance company as investment consultant (but it was commission based part time job). Now I m looking for a full career opportunities (Preferably in Banking sector). But I m confused as to how to go ahead with my career. As there gap in my career, I m unable to find jobs. Please guide me Sir

Ans: Hello sir. Plz have some patience. I understand that this is an important aspect of relationship but not the only aspect. It could be a reaction to some trauma also. Take some private time and sit with your wife. And politely try to figure out the problem. Take her some time. Have some patience. Let her be comfortable with you again. Everything will come to normal. Take care!
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

Ans: ML , Robotics

Ans: Pass exams like MCSE.

Ans: I don't think, see prospectus

Ans: Congratulations on achieving a 98.66 percentile in JEE Main under the General EWS category! You can try for NIT Tiruchirappalli (NIT Trichy), NIT Warangal, NIT Surathkal

Ans: Congratulations to your son on achieving a 98.08 percentile in JEE Main! Securing a seat in CSE at NIT Warangal may be challenging. Tier-2 and Tier-3 NITs typically have higher closing ranks for CSE, which might align more closely with your son's rank .? NITs in north eastern states. See previous years' cut off

Ans: Plaksha University is a relatively new institution but is gaining attention for its interdisciplinary approach, strong industry collaborations, and emphasis on entrepreneurship, AI, and emerging technologies. Before deciding on Plaksha University for CSE, here are some factors to consider: Limited Alumni Network, Higher Fees, Placement still evolving

Ans: Hello;

You can get many budgeting methods online however the key is the strict fiscal discipline, optimal asset allocation and frugal shopping.

Few measures to improve monthly budget:

1. Mind your credit card spends and ensure timely payment.
2. Avoid impulse purchases.
3. Limit discretionary spending.
4. Avoid FOMO shopping.
5. Prefer E-Com/Q-Com to get price benefits but only from reputed portals.
6. Keep 6-8 month worth regular expenses coverage corpus as emergency fund.
7. Be adequately insured for life as well as health.

Given below two budgeting methods:

1. 50/30/20 method
Traditionally in this method it advocates that 50% of your income should go towards essential needs, 30% for discretionary needs and balance 20% for investment, however I prefer to flip it in this way:
50% Investments
30%: Essential needs
20%: Discretionary needs

2. Pay yourself first budget
The pay yourself first budget is another simple budgeting method focusing basically on savings and debt repayment. With this method, you set aside a specific amount from each monthly income for savings and debt repayments, spending the rest as you feel appropriate.

Best wishes;

Ans: Hello;

I disagree with the suggestion given to you.

You must primarily focus on faster repayment of the overdue loan. While doing so you may initiate investments towards other goals.

Although investment maybe less now but making a beginning will help inculcate sense of fiscal discipline.

As the loan becomes zero, entire EMI+ should move towards investments.

Don't get into that calculation since returns from markets are not guaranteed especially in short to medium term when they are expected to remain choppy due to geo political reasons. However your loan obligation has to be fulfilled every month irrespective of any other developments.

Best wishes;