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JEE Main DOB Error: Will my admission be affected?

Mayank

Mayank Chandel  |1949 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 20, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Asked by Anonymous - Jun 19, 2024Hindi
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Career

Sir I have made an my dob mistake in jee main application but I have submitted an application about it during my exam will there be a problem in my admission through josaa counselling

Ans: Nope,
there won't be any difficulty. But I wonder how someone can put their DOB wrong & don't check it in the acknowledgement & don't even correct it during the correction window.
Asked on - Jun 20, 2024 | Not Answered yet
Thank you so much sir

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Ramalingam

Ramalingam Kalirajan  |7330 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 23, 2024Hindi
Money
I am a 50 year old divorced IT consultant with a monthly take home of 2.7 lakhs per month. I have a rental income of 30k per month from an apartment which is completely paid for worth around 1 crore [but jointly owned with my ex]. I have around 1.3 crore in Mutual Funds, 25 Lakhs in debt funds and 30 lakhs in direct stock after division of assets with my ex wife. I also have properties worth around 1.6 crores to my name. My daughter is currently in 8th standard and the cost of her education till 12th is also covered through a trust fund. I have a PPF of some 17L right now. I have one of those LIC schemes where I have a guaranteed return of 60L by age 58 if I pay an additional 8 Lakhs across next 8 years. My PF should be around 18 lakhs but it has some name related complications and whether I will get it from the government is subject to speculation, if I get it I will consider it a windfall. My current outstanding is a vehicle loan EMI of Rs. 21k per month, 12K per month for Insurance (with savings). I am checking to see whether I am in a position to retire now. I have some health issues related to my knee on which I have been advised Physiotherapy but the work pressure is keeping me away from regular exercise and keeping me overweight. I am wondering whether I have enough saved up to retire to a village in Tamil nadu, where my monthly living expenses should be under 15K initially (I had done a trial retirement last year). I am wondering these days whether I should retire early before my initial target corpus is achieved. My initial target corpus was 2.7 crore in MF+ Debt for retirement in addition to the rental but I am now wondering whether I am ready to proceed to retirement now. Mostly I want to leave a good inheritance to my daughter and I am not sure whether I have enough for the same. I should also mention my ex is also has a similar networth in MF+FD+Property except that she is earning much less
Ans: At 50, considering early retirement is a significant decision. It is essential to carefully assess your financial stability and future requirements. Below is a detailed analysis and recommendations based on your situation.

1. Understanding Your Current Financial Position
You have Rs. 1.3 crore in mutual funds and Rs. 25 lakhs in debt funds.

Your direct stock portfolio is worth Rs. 30 lakhs.

Your PPF balance stands at Rs. 17 lakhs.

You expect Rs. 60 lakhs from a guaranteed LIC scheme at age 58.

Your rental income is Rs. 30,000 per month from an apartment.

Your vehicle loan EMI is Rs. 21,000 per month.

Insurance premium is Rs. 12,000 monthly.

Your expenses during a trial retirement were Rs. 15,000 monthly.

Your net property worth (excluding the shared apartment) is Rs. 1.6 crore.

2. Key Considerations for Early Retirement
Monthly Income Sufficiency
The rental income of Rs. 30,000 exceeds your estimated living expenses of Rs. 15,000.

However, future inflation will increase your expenses significantly.

Health and Lifestyle
Knee-related health issues may lead to higher medical costs later.

Regular physiotherapy and weight management should be prioritised.

Corpus and Growth
Your current financial corpus may not grow sufficiently without active investments.

Aim for a balanced portfolio with equity and debt for long-term growth.

Daughter’s Inheritance
Your focus on leaving a good inheritance is valid.

Ensure your investments align with this goal.

3. Evaluating the Feasibility of Early Retirement
Corpus Target vs. Current Assets
Your target corpus of Rs. 2.7 crore in MF and debt funds is slightly unmet.

Current assets in MF, debt, and stocks total Rs. 1.85 crore.

You are 70% towards the target, which is promising.

Guaranteed Returns from LIC
The LIC policy will provide Rs. 60 lakhs by age 58.

You must pay Rs. 8 lakhs over the next 8 years to receive this.

Contingent PF Corpus
Consider your PF corpus of Rs. 18 lakhs a bonus if recovered.

Exclude it for current retirement planning due to uncertainty.

4. Recommendations for Financial Stability
Review Your Investments
Reassess your mutual fund portfolio for consistent performers.

Invest through a Certified Financial Planner to optimise returns.

Address Low-Yield Assets
LIC offers guaranteed returns but limits growth potential.

Evaluate reinvesting in equity funds if surrendering is beneficial.

Diversify Your Portfolio
Reduce dependency on direct stocks to minimise risks.

Balance your portfolio with flexi-cap and balanced mutual funds.

Maintain Emergency Corpus
Keep at least 12 months’ expenses (Rs. 2.4 lakh) in a liquid fund.
5. Planning for Medical Costs
Purchase comprehensive health insurance to manage rising medical costs.

Create a separate corpus for potential surgeries or prolonged treatments.

6. Lifestyle Adjustments for Health
Focus on regular physiotherapy to avoid worsening your condition.

Reduce work pressure immediately if health deteriorates further.

7. Tax Efficiency in Retirement
LTCG on mutual funds above Rs. 1.25 lakh is taxed at 12.5%.

Minimise taxes by strategically withdrawing gains.

Invest surplus in tax-efficient funds for post-retirement income.

8. Strategies for Leaving an Inheritance
Invest in growth-oriented mutual funds for wealth creation.

Avoid unnecessary withdrawals from your corpus.

Nominate your daughter across all investments for easy transfer.

9. Steps to Transition to Retirement
Retire in phases by gradually reducing work commitments.

Start living within Rs. 15,000 monthly expenses immediately.

Continue earning part-time consultancy income if possible.

10. Final Insights
Early retirement is achievable with disciplined financial planning. Focus on aligning your corpus with your goals. Ensure health, inheritance, and lifestyle are balanced. A Certified Financial Planner can guide you to achieve sustainable financial independence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7330 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 24, 2024

Money
I'm 48 years old (with moderate risk appetite) planning to start a monthly SIP of Rs. 40,000 in the following Mutual Funds. 1) Nippon India Large Cap Fund - 10,000 (25%) 2) ICICI Prudential Blue Chip Fund - 10,000 (25%) 3) UTI Nifty Fifty Index Fund - 8,000 (20%) 4) HDFC Flexi Cap Fund - 4,000 (10%) 5) HDFC Mid cap Opportunities Fund - 4,000 (10%) 6) Nippon India Small Cap Fund - 4,000 (10%) My ambition is to have a retirement corpus of 2.70 crore by the age of 60; expecting 6% interest on that corpus (16,20,000) in order to have a monthly SWP of 1,35,000 (16,20,000÷12). Kindly advise whether the retirement corpus is attainable as well as regarding the fund selection and percentage allocation.
Ans: Your initiative to plan for retirement and invest systematically is commendable. Let us evaluate your goal and proposed portfolio comprehensively.

Assessing Your Retirement Goal

Target Corpus: You aim to build Rs. 2.70 crore by age 60.

Monthly SWP Goal: You plan to withdraw Rs. 1,35,000 monthly, assuming a 6% return on the corpus.

Investment Period: You have 12 years to accumulate the desired corpus.

Monthly SIP Commitment: You intend to invest Rs. 40,000 every month.

Achieving this target is feasible with disciplined investing and prudent portfolio selection. Let us refine your approach to maximise the likelihood of success.

Analysis of Your Fund Selection and Allocation

Your portfolio consists of a mix of large-cap, flexi-cap, mid-cap, and small-cap funds. While this diversification is sensible, certain adjustments can optimise performance.

Allocation to Large-Cap Funds (50%)

Investing 50% in large-cap funds provides stability to the portfolio. Large-cap funds are less volatile and offer consistent returns over time.

However, consider actively managed large-cap funds instead of index funds. Actively managed funds outperform during market downturns and adjust dynamically to market conditions.

Index funds like Nifty Fifty have limitations in delivering consistent outperformance due to their passive management.

Allocation to Flexi-Cap Funds (10%)

Flexi-cap funds offer the advantage of dynamic allocation across market capitalisations.

This allocation is suitable as it provides both growth potential and stability. Ensure you select funds with proven track records and experienced fund managers.

Allocation to Mid-Cap Funds (10%)

Mid-cap funds balance growth and risk. They have the potential to outperform large-cap funds in the long term but come with moderate volatility.

A 10% allocation is reasonable for your moderate risk appetite.

Allocation to Small-Cap Funds (10%)

Small-cap funds have higher growth potential but also higher risk.

A 10% allocation is appropriate, provided you have a long-term horizon and regular monitoring.

Optimising Fund Allocation

Current allocation skews heavily towards large caps. Consider redistributing 5% from large caps to mid-cap or small-cap funds for better growth prospects.

A revised allocation could be:

Large-Cap Funds: 45%

Flexi-Cap Funds: 10%

Mid-Cap Funds: 15%

Small-Cap Funds: 15%

Debt/Hybrid Funds: 15% (for added stability).

Incorporating Debt and Hybrid Funds

Adding 15% allocation to debt or hybrid funds can reduce volatility. These funds provide stability, especially as you near retirement.

Consider funds with low duration or conservative allocation strategies.

Tax Implications

Equity Funds: Long-term capital gains (LTCG) over Rs. 1.25 lakh are taxed at 12.5%. Plan withdrawals to minimise tax liability.

Debt Funds: Gains are taxed as per your income tax slab. Avoid frequent redemptions to reduce tax burden.

SWP Taxation: Withdrawals are subject to capital gains tax. Efficient tax planning is crucial for optimising post-retirement cash flow.

Key Recommendations

Fund Selection

Choose funds with consistent performance and experienced fund managers.

Actively managed funds provide better long-term returns compared to index funds. Avoid index funds due to limited growth potential during volatile markets.

Portfolio Monitoring

Review the portfolio every six months. Replace underperforming funds promptly.

Rebalance the portfolio annually to maintain the desired allocation.

Emergency Fund

Maintain an emergency fund of 6-12 months’ expenses. This ensures liquidity during unforeseen events and prevents disruption to your SIPs.

Health Insurance

Ensure adequate health coverage for yourself and family. This prevents dipping into your retirement savings for medical needs.

Finally

Your retirement plan is well-thought-out. Minor adjustments to your fund selection and allocation can enhance growth potential and stability. Engage a Certified Financial Planner for scheme-specific recommendations and regular portfolio review. This ensures you stay on track to achieve your retirement goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7330 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 24, 2024

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Money
Hi I am Rajeev Kumar with age 42 + and working in Pvt sector @62000 per month intake salary. I have debt of 5 lacks and no other income. Please assist me to manage for healthy wealth.
Ans: Your salary of Rs 62,000 per month provides a stable foundation. Managing your Rs 5 lakh debt is a priority. Building wealth alongside debt repayment is achievable with disciplined planning.

Debt Management Strategy

Assess Debt Details

Understand the interest rates and terms of your loans.

Prioritise repayment of high-interest loans first.

Consolidation or Refinancing

Consider consolidating loans into one with a lower interest rate.

Refinancing can reduce your EMI burden.

Allocate Specific Income for Debt

Dedicate at least 30-40% of your salary to repay debt.

Avoid taking new loans until current debts are cleared.

Wealth Creation Plan

Emergency Fund

Build an emergency fund covering 6 months of expenses.

Use liquid mutual funds for accessibility and better returns than a savings account.

Mutual Fund Investments

Equity Mutual Funds:

Allocate 40% of investments to large-cap and flexi-cap funds.

These funds provide stability and moderate growth.

Debt Mutual Funds:

Invest 30% in debt mutual funds for stable returns.

Short-term funds can suit your medium-term goals.

Balanced Advantage Funds:

Allocate 20% to these funds for a mix of equity and debt exposure.

Gold Funds:

Reserve 10% for gold mutual funds to hedge against inflation.

Monthly SIPs

Start Systematic Investment Plans (SIPs) in mutual funds.

Begin with 20% of your monthly income for SIPs.

Gradually increase SIP amounts as debt reduces.

Insurance Needs

Health Insurance

Purchase health insurance with a Rs 10-15 lakh cover.

This reduces financial strain in medical emergencies.

Term Insurance

Secure your family with a term insurance policy.

Opt for a cover of 15-20 times your annual income.

Tax Planning

Section 80C Investments

Invest in ELSS mutual funds to save tax and build wealth.

Limit investments to Rs 1.5 lakh per year under Section 80C.

Section 80D Benefits

Health insurance premiums provide additional tax savings.

Avoid Direct Funds

Direct mutual funds lack guidance and support.

Choose regular funds through a Certified Financial Planner (CFP).

Long-Term Wealth Goals

Retirement Planning

Start investing in equity mutual funds for long-term growth.

Increase allocation to equity as your debt reduces.

Child Education or Other Goals

Align investments with specific goals like children’s education.

Use goal-based mutual funds for disciplined savings.

Final Insights

Focus on reducing your debt while building wealth. Start small with SIPs and gradually increase investments. Use professional guidance from a Certified Financial Planner to optimise your strategy. Maintain discipline, and you can achieve financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.inhttps://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7330 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024
Money
Hello my father 55YO has 90L worth stocks I want to diversify it into mf and gold along with stocks to get atleast 1.5cr return after his retirement which is 5yrs later. What are the steps he should take and would investing in small cap fund be a wise decision? We dont want to withdraw after 5years but that would depend on the amount generated. Additionally he would also get a lumpsum of 30L-40L when he retires kindly suggest ways in which the total money can be invested to get atleast 50k per month through SWP. Also please suggest funds good for SWP
Ans: Your father’s current stock portfolio worth Rs 90 lakh is a strong starting point. Diversifying into mutual funds and gold, while maintaining stock investments, can help achieve a balanced portfolio. The goal of Rs 1.5 crore in 5 years is ambitious but achievable with disciplined investment strategies.

Suggested Diversification Approach

Stocks

Retain a portion of the stock portfolio to maintain growth potential.

Focus on a mix of large-cap and mid-cap stocks for stability and growth.

Gradually reduce exposure to highly volatile stocks if present.

Mutual Funds

Allocate around 40% of the total investment to equity mutual funds.

Opt for a mix of large-cap, mid-cap, and small-cap funds.

Small-cap funds have higher growth potential but also higher risk.

Consider balanced advantage funds for risk-adjusted returns.

Gold

Allocate 10-15% of the total investment to gold.

Prefer sovereign gold bonds or gold mutual funds over physical gold.

These options provide liquidity and tax benefits.

Investment Plan for Retirement Corpus

Upon retirement, your father will receive Rs 30-40 lakh. This can be strategically invested to generate a monthly income of Rs 50,000.

Step-by-Step Plan

Debt Mutual Funds:

Allocate 50% of the retirement corpus to debt mutual funds.

Focus on short-term and ultra-short-term funds for stability.

Debt funds can generate consistent returns with lower risk.

Systematic Withdrawal Plan (SWP):

Set up SWP from debt mutual funds to provide monthly income.

Start with Rs 50,000 per month while leaving room for inflation adjustment.

Hybrid Funds:

Allocate 30% of the retirement corpus to hybrid funds.

Hybrid funds balance equity and debt, offering moderate growth and safety.

Equity Mutual Funds:

Invest 20% in equity funds for long-term growth.

Choose large-cap and flexi-cap funds for moderate risk.

Evaluating Small-Cap Funds

Small-cap funds offer high growth potential. However, they come with high volatility and risk. Investing a small portion of the portfolio (10-15%) in small-cap funds is advisable. Monitor performance regularly and rebalance as needed.

Tax Implications

Equity Mutual Funds:

Gains above Rs 1.25 lakh are taxed at 12.5% (LTCG).

Short-term gains are taxed at 20%.

Debt Mutual Funds:

Gains are taxed as per your father’s income tax slab.

Recommendations for SWP-Friendly Funds

Opt for mutual funds with a proven track record of consistent performance.

Prefer funds with low volatility and steady returns.

Hybrid and debt mutual funds are ideal for setting up SWP.

Key Considerations

Regularly review and rebalance the portfolio.

Avoid direct funds; choose regular funds through a Certified Financial Planner.

Consult a CFP for customized investment planning.

Focus on long-term wealth creation rather than short-term gains.

Final Insights

Diversification is key to achieving financial goals and reducing risk. A well-balanced portfolio of stocks, mutual funds, and gold can help you reach the Rs 1.5 crore target. Setting up an SWP ensures steady monthly income post-retirement. Regular portfolio reviews and adjustments are essential for success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7330 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 24, 2024

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Money
After a long time, we realised the poor performance of LIC Jeevan Anand ???? If we surrender we end up with loss, if we continue it will be at poor performance, So, will it be a good Idea ???? to take a loan by pledging the policy and invest the proceeds for better return, so that we can save loss and continue the policy as well as paid up policy. The interest cost will be 9.5% to 10% pa with no EMI commitment and flexible repayment with minimum of ?.50 and even if we don't pay it will be adjusted against maturity . Please post a light on this to go with.
Ans: Your intention to optimise returns while preserving your LIC policy is thoughtful. Let’s analyse your proposed approach comprehensively.

Challenges with Continuing the Policy
Low Returns: LIC Jeevan Anand traditionally delivers returns between 4%-6%. This does not match inflation-adjusted returns needed for long-term growth.

Opportunity Cost: Continuing the policy locks capital in a low-performing investment, missing higher returns elsewhere.

Surrendering the Policy
Immediate Loss: Surrendering early often results in a financial loss due to penalties and lower surrender value.

Lost Insurance Cover: Surrendering ends your life insurance, which might impact your family's financial safety.

Loan Against the Policy
Taking a loan against the policy can be a balanced approach. Let’s break it down:

Advantages of Policy Loan
Preserves Policy Benefits: The policy remains active, and you avoid surrendering it.

Low-Interest Rate: Policy loans have lower rates (around 9.5%-10%) compared to personal loans or unsecured loans.

Flexible Repayment: You can repay on your terms. If unpaid, it adjusts against the maturity or surrender value.

Access to Capital: You can reinvest the loan amount in higher-return investments, offsetting the policy’s poor performance.

Challenges with Policy Loan
Interest Burden: The interest rate of 9.5%-10% is higher than some secured investment returns, especially if the market underperforms.

Risk of Non-Repayment: Unpaid loans reduce the maturity or surrender value. This might impact the total financial benefit.

Investment Discipline Needed: Returns depend on reinvesting prudently. Poor decisions or market volatility can lead to losses.

Investment Options for Loan Amount
If you proceed with this plan, careful reinvestment is essential.

Equity Mutual Funds for Growth
Allocate a majority to actively managed equity mutual funds. These outperform inflation and generate higher long-term returns.

Avoid index funds. Actively managed funds provide better protection during market downturns.

Balanced Portfolio
Allocate 70%-80% to equity mutual funds (large-cap, mid-cap, and small-cap).

Invest 20%-30% in debt mutual funds or hybrid funds for stability.

Focus on Your Goals
Align investments with specific financial goals like retirement, children’s education, or wealth creation.
Steps for Implementation
Assess the Loan Amount Needed: Borrow only what you plan to invest. Avoid over-leveraging.

Consult a Certified Financial Planner: They will guide investment choices based on your risk tolerance and goals.

Track Performance: Regularly review the performance of your investments and adjust when needed.

Plan Loan Repayment: Even if repayment is flexible, try to clear the loan systematically to reduce the interest burden.

Final Insights
Your idea of leveraging a loan against LIC Jeevan Anand is a middle ground. It allows you to continue the policy while investing for better returns. However, it requires financial discipline, monitoring, and strategic reinvestment.

Consult with a Certified Financial Planner to design a customised plan aligned with your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1109 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024Hindi
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Career
I am currently pursuing CSE(AI&ML) in KIIT University just completed my 1st sem which went very well. But I am not really satisfied by the environment here. I am thinking of giving jee although i haven't studied at all till now. Is it a good idea to give jee a try now or should I just focus on my college.
Ans: Hello dear.
Appearing for JEE at this stage is not recommended. You also admit that you had not studied at all until now, i.e., when you were in 12th grade, you did not prepare for JEE and focused only on the state-level entrance test. There is no guarantee that you may be successful if you appear for JEE 2025 or 2026. It will be a just waste of time. You got admission to the best course i.e. CSE (AL/ML) at KIIT University. You happily completed the first sem also. Now related to the environment, do you think it is only related to your college? No, there are many colleges in which the students have to face the worst environment. Slowly you will get acquainted with the college and its environment. Many students face this problem in 1st year in all engineering and medical colleges. Discard the idea of appearing in JEE with a fresh mind, focus on your CSE branch, and try to excel in it for the coming 4 years. The sky is the limit. There is evidence, that the students touched the sky under the very very worst conditions. Focus on your college and syllabus. Best of luck for your upcoming future.

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

Radheshyam

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |259 Answers  |Ask -

Career Counsellor - Answered on Dec 24, 2024

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Career
I am having 25 years of experience in manufacturing industry. Based on my experience and skills I got promotions and I was serving acting as assistant manager At each & every stage I got trainings to fullfill role & meet expectations. My education is basis equivalent to ITI. I did some courses Diploma in industrial engineering from National institute of industrial research and development, national certificate in supervision from National Productivity council, six sigma yellow belt from MSME, recently I did short term online courses diploma in supervision, diploma in quality management, diploma in operations management from Alison, scientific problem solving from the continuous improvement academy school. Now I am planning to do other short term online courses offered by iit and iim through edx and Coursera platform. I am looking for courses like operations management, leadership skills, strategic management, introduction to business management-winning internally. Can you please suggest which will help & are these courses will be considered if I do from edx or Coursera. Now I am looking for a job for a higher role.
Ans: You did too many courses. No need to go for extra courses. Your negative point is your basic qualification and positive point is your huge experience. Now only based on experience try for other jobs. Too many certificate based course will lead the employer to confusion. Best of luck. Just follow me. May God Bless You. Professor........................................:)

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Dr Ashish

Dr Ashish Sehgal  |115 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 23, 2024

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Relationship
Sir as I previously take your view about my situation...sir you tell that in love understanding between partner is important.but sir my partner doesn't want to talk with me.I just never think that he will give up so easily.
Ans: It’s interesting, isn’t it, how relationships often mirror the patterns of communication we create within them? When one partner feels distant or unwilling to talk, it’s less about them giving up and more about a shift in the way they’ve been feeling understood—or misunderstood.

You see, communication isn’t just about words; it’s about emotions, intentions, and the unspoken messages we convey. If your partner isn’t talking, perhaps they’re saying something without words. And that’s where curiosity becomes your ally.

Instead of focusing on the silence, what if you shifted your attention to understanding what that silence represents? Maybe it’s disappointment, frustration, or even fear. But the key is, you can’t solve what you assume—it’s about discovering what’s really there.

And let me ask you this: if you were to step into their shoes for a moment—just imagine being them—what might they feel? What might they need to hear from you, or perhaps sense from your presence, that could bring a spark of connection back into the conversation?

Love is rarely about giving up. It’s about learning to communicate in a way that feels safe and understood. And if you’re willing to stay open, willing to listen to the quiet messages, you may find a new way forward—one step at a time.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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