Post mid career and looking at steps to nowhere ! Hello. I am an IT professional having had all my time in hands-on-Tech roles. But I have come to realize that without getting into management the money does not grow. Having hands-on-tech role does not mean no responsibility, there are technical decisions to be made which impacts cash and budgets, but usually it is not visible to top management directly. I am also 52 yrs old. Not seeing any great growth in current company / role and slightly not updated to current tech. Lost and need advise and help on what can be done. Since I am doing good currently, also my salary expectations are high ( 7 digits ), but that is fair in current market. Every company looking to hire at this range looks for management roles and less of actually technical capabilities.. Starting a business sounds too risky at this stage. Any advise? Thank you so much.

Ans: If it is a one time insurance premium then Insurance company refunds the pro-rate premium charged for future period of loan being shifted to other Bank. If premium is regular premium then there is no problem and you can have a new policy with the Bank where you have shifted the loan. This is the normal practice. Rest you enquire from your Banker.

Warm Regards,

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

Ans: Dear Anonymous,
You are right, it is entirely possible to love each other forever without labelling it as a marriage but he is also right to want a commitment that is on paper as well. This is one of those situations where neither of you is wrong. You can try and explain your side in case your partner gets serious about getting married, but trying to convince him to give up what he wants is not fair. It is a tricky situation but I believe that clear communication from right now can dodge some unnecessary complications which might arise once your partner doesn’t just say “we should get married too” and moves on to “will you marry me?” Please have an open discussion about your views on marriage and his, and try to find a middle ground so that your relationship does not get affected.

Best Wishes.

Ans: Keshav,
Yes, you're eligible for NEET 2026. UP Board private exams count as valid 12th equivalent with PCB+English (Code 02)—Bio results post-Feb exams will confirm marks (need 50% aggregate PCB for general). BTech doesn't bar you; there is no attempt/upper age limit. However, I advise you to continue your BTech—don't drop UNTIL you secure a confirmed medical college seat via NEET. Switching streams midway is risky; keep options open and think hard before quitting engineering for medicine. ALL the BEST for Your Prosperous Future!

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Ans: Answered your question here: https://gurus.rediff.com/question/qdtl/career/main-2023-11-pass-ka-hai-aur-2026-se-nios/5249849

Ans: future prospects are good as mutual fund business in India is flourishing and icici has good product innovation. Its good to add in this panic times

Ans: exit karlo, ye comapny jitna kamati hain usse jyada tho byaj dena padta hain. Exit and buy quality company.

Ans: Before addressing your question, I’d like to share something from my experience working with students and parents. Choosing a career similar to your father’s is perfectly fine—but only if you are genuinely passionate about the financial investment field. It should be your interest, not just a family expectation. Now, let’s come to your question.
Go for Certified Financial Planner (CFP) to excel as a mutual fund distributor like your dad. CFP focuses on client financial planning—perfect for selling funds, building trust, and growing your practice in India—while CFA dives deep into investment analysis better for portfolio management jobs. CFP is quicker (months vs. years), cheaper, and directly boosts distributor credibility with clients and Asset Management Companies like HDFC, SBI, etc. First, pass NISM V-A: Mutual Fund Distributors Certification Examination (mandatory, easy entry post-12th) of the National Institute of Securities Markets. However, you must possess the following key skills: communication to explain funds simply, financial acumen for product picks, and also relationship-building for repeat business. ALL the BEST for Your Prosperous Future!

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Ans: Haan, bilkul de sakta hai 2027 ka JEE Advanced. NIOS 12th 2026 pass karne pe first attempt 2027 mein milega (NIOS valid hai). Bas JEE Main top 2.5L rank laana aur age limit follow karna. Official rules confirm karte hain—no issue with the 11th gap. Aapke khushhaal bhavishya ke liye dil se shubhkaamnaayein!

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Ans: Yes, you're eligible for all IISERs. Upload both your 2024 PCB marksheet and isolated Maths marksheet (as improvement/additional) in the application. IISER verifies subjects via uploaded documents, not the marksheet alone. ALL the BEST for Your Prosperous Future!

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