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Workplace Expert - Answered on Apr 08, 2024

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Asked by Anonymous - Apr 04, 2024Hindi
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Career

I am Riya, 17 currently in FYJC Science. I am preparing for IIT-JEE, CUET-UG and NEET-UG next year along with my board examinations. I travel 2-3 hours and study 10-12 hours a day. My problem is I am not getting enough sleep as I have to wake up early. I am not a morning person. Can you please share some tips how I can manage my time effectively for studies without compromising on my health?

Ans: Dear Riya,

Firstly, let me applaud your determination and dedication towards your studies. Balancing preparations for multiple competitive exams alongside your board examinations is indeed a Herculean task, but fret not, as I'm here to assist you in navigating through this challenging yet exciting journey.

Sleep is undoubtedly vital for your overall health and academic performance. Burning the midnight oil is commendable, but if it comes at the cost of your well-being, it's time to tweak your schedule a bit. Here are some actionable tips to help you manage your time effectively while ensuring you get enough rest:

1. Strategize Your Study Schedule: Instead of cramming all your study hours into the night, distribute them throughout the day. Identify your peak productivity hours and allocate your most challenging tasks to those times. This will help you make the most of your study sessions without feeling overly fatigued.

2. Prioritize and Plan: Make a daily or weekly study plan, prioritizing topics based on their importance and your proficiency in them. Breaking down your study material into manageable chunks will not only make it less overwhelming but also ensure that you cover everything thoroughly.

3. Quality Over Quantity: Remember, it's not about how many hours you study but rather how effectively you utilize the time you have. Focus on understanding the concepts rather than just memorizing them. Utilize techniques like active recall, spaced repetition, and concept mapping to enhance your learning efficiency.

4. Take Regular Breaks: Incorporate short breaks into your study routine to prevent burnout and maintain concentration. Use these breaks to stretch, hydrate yourself, or indulge in a quick hobby to rejuvenate your mind.

5. Optimize Your Sleep Environment: Create a conducive sleep environment by ensuring your room is dark, quiet, and at a comfortable temperature. Limit exposure to screens before bedtime and establish a relaxing pre-sleep routine to signal your body that it's time to unwind.

6. Practice Self-Care: Don't neglect your physical and mental well-being amidst your rigorous study schedule. Make time for activities that you enjoy, whether it's listening to music, going for a walk, or spending quality time with loved ones. A well-rested and rejuvenated mind is more productive and focused.

7. Stay Flexible: Be open to adjusting your study schedule as per your evolving needs and circumstances. Flexibility is key to maintaining a healthy work-life balance and ensuring long-term success.

Remember, Rome wasn't built in a day, and neither will your academic journey be. Embrace the process, stay persistent, and don't hesitate to seek support from your teachers, mentors, or peers whenever needed.

As the saying goes, "Work smarter, not harder." So, equip yourself with effective study strategies, prioritize your well-being, and tackle those exams with confidence and determination.

Wishing you all the best in your endeavors, Riya! You've got this!
Career

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Nayagam P

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Career Counsellor - Answered on Jun 06, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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I am 28, a student of online University. .How should I manage my time in the day so that I can get adequate time to study ? What other activities do you recommend?
Ans: Some Time Management | Study Techniques Tips Here:

1. While attending your Online Class, take notes.
2. After attending the Online Class, study the topics taught on the same day & prepare your short notes for revision.
3. Study for 35-minutes and leave a 10-minute break every time to get maximum output. If you study continuously for 2-3 hours, your won’t have 100% concentration power beyond 35-minutes.
4. Involve in some physical activities like walking, jogging and / or do some physical exercises both morning and also in the evening, to keep yourself fit both mentally and physically.
5. Going to sleep early and getting up early also will help you to feel better and study well in early morning.
6. Before going to sleep, revise what you have studied during the day for half-an-hour.
7. Also every week-end, keep revising what you have studied during the week.
8. Attempt questions on the topics you have studied within a day or two. Revise your short-notes before attempting the questions.

Hope the above tips will be useful for you.
All The BEST for your Bright Future.

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Nayagam PP
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Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Money
I am 38 year old in IT, draws a little over 3L per month, married and 3 kids. First one in 5th standard, second in UKG and third is in play school. Wife working in IT as well drawing 2L per month. We have Two houses - one individual house estimated value (1.5 CR) with 18L loan pending paid by me (26.5k per month EMI) and other apartment nearing completion estimated value (1CR) with 50L loan pending paid by my wife (47k per month EMI). As far as other savings are concerned I have around 50L in MFs and my wife has 20L. I have 5L in stocks, 5L in FDs and 5L in other markets. My PF value is around 25L. My wife PF and Gratuity together around 20L. We have Vehicles estimated to give 10L. Currently living in a metro city for our work with expenses upto 2L per month including loans, kids education, rent etc Please tell us what more needed for us to retire and move to less expensive tier 2 place where living expenses can be between 50k - 1l name month.
Ans: Current Financial Overview
Age: 38 years

Monthly Income: Rs. 5 lakh (combined)

Monthly Expenses: Rs. 2 lakh (including EMIs)

Assets:

Mutual Funds: Rs. 70 lakh

Stocks: Rs. 5 lakh

Fixed Deposits: Rs. 5 lakh

Other Investments: Rs. 5 lakh

Provident Fund: Rs. 45 lakh (combined)

Vehicles: Rs. 10 lakh

Liabilities:

Home Loan 1: Rs. 18 lakh (EMI: Rs. 26,500)

Home Loan 2: Rs. 50 lakh (EMI: Rs. 47,000)

Retirement Corpus Estimation
Target Monthly Expenses Post-Retirement: Rs. 1 lakh

Expected Retirement Age: 50 years

Life Expectancy: 85 years

Inflation Rate: 6%

Expected Return on Investments Post-Retirement: 8%

Based on these assumptions, you would require a retirement corpus of approximately Rs. 6 crore to maintain your desired lifestyle in a tier-2 city.

Children's Education Planning
Child 1: Currently in 5th standard

Child 2: Currently in UKG

Child 3: Currently in play school

Assuming higher education costs of Rs. 25 lakh per child in today's terms and considering an education inflation rate of 10%, the future cost for each child could be significantly higher. Therefore, it's essential to start dedicated investments for each child's education.

Action Plan
Increase Savings: Aim to save at least 40% of your combined monthly income.

Debt Reduction: Prioritize paying off high-interest debts to reduce financial burden.

Investment Strategy:

Continue investing in mutual funds with a focus on long-term growth.

Diversify your portfolio to include a mix of equity and debt instruments.

Emergency Fund: Maintain an emergency fund equivalent to 6 months of expenses.

Insurance:

Ensure adequate life insurance coverage for both you and your wife.

Obtain comprehensive health insurance for the entire family.

Final Insights
You're on a solid financial path with a strong income and investment base.

Focus on increasing your savings rate and reducing liabilities.

Plan systematically for your children's education expenses.

Regularly review and adjust your investment portfolio to align with your retirement goals.

Consider consulting a Certified Financial Planner to tailor a comprehensive financial plan for your family's needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Nayagam P

Nayagam P P  |4417 Answers  |Ask -

Career Counsellor - Answered on Apr 12, 2025

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Career
Hii sir muje aaose puchhna hai mere bete ne ssc kiboard ki exam fi hai aage ki padhai k bare me thoda confuse hai hambe dmit bhi karvaya ...to dmit k councelar ne hame science stram lene se mana kar diya hai aur engineering me bhi dalne se mana kiya hame use cse diploma me karvana chahte the lekin councelar ne commers aur arts me jane ki salah di hai dmit test par kitna trust karna chahiye kya kare
Ans: Uday Sir, thank you for reaching RediffGURU. Your concern is completely valid — and many parents face the same confusion after 10th, especially after taking a DMIT test. Let me explain everything in a clear and practical way: DMIT (Dermatoglyphics Multiple Intelligence Test) is based on fingerprint patterns and claims to assess a child’s inborn talents, personality, and learning style. While it can give some general insights, it is not scientifically proven and should not be the sole basis for career decisions. However, to some extent, Psychometric Test will be more helpful, compared to DMIT, providing some suitable career options for your son. So, use DMIT as a guidance tool, not as the final decision-maker. What Should You Focus on Instead? His Interest + Aptitude + Effort — These matter more than any test. Look at your son's performance in Maths, Science, English, etc. during SSC. Has he shown any interest in: Coding or Computers? Business or Finance? Design or Creativity? Communication or Language? Based on this, you/he can help select the right stream (Engineering | Medical | Commerce | Arts-Humanities) or he prefers Diploma (like CSE Diploma after 10th) if he's not confident about handling 11th-12th Science, then a diploma in Computer Engineering (CSE) is a good alternative. After 3 years of diploma, he can join 2nd year of Engineering (B.E/B.Tech) through lateral entry. But again, it should be based on his interest in technology or computers — not pressure.

Talk to your son — ask what he enjoys or dreams about. Use DMIT + school marks + family guidance together to decide. Don’t choose a stream only because “DMIT said so” or “log kya kahenge.” All the best for your Son's Bright Future!

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Nayagam P

Nayagam P P  |4417 Answers  |Ask -

Career Counsellor - Answered on Apr 12, 2025

Asked by Anonymous - Apr 09, 2025Hindi
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Career
sir mene 2022-2023 baords diya tha pass nhi hua 2023-2024 diya hn pass hoga but percentage km aye then 2024-2025 krliya hn 90 percent aaye hn isme mene as a regular students karya hn naaki ki improvemnt likha nhi aayega school balo ne confirm kiyaa hn kya ab jee de skta mains and adv 2026 mein iwant to scoore good in adv sir 2026 with good rank
Ans: Your Academic History Recap: 2022-2023: Gave boards – Did not pass.2023-2024: Gave boards again – Passed, but low percentage. 2024-2025: Appeared as a regular student, scored 90%, and the school confirmed it won’t show as improvement. Are You Eligible for JEE Main & Advanced 2026? Yes, you are eligible for both JEE Main and Advanced 2026, because only your latest qualified attempt is considered, which is 2025. You passed 12th in 2025, so your first JEE Advanced attempt will be in 2025, and second in 2026 (which is what you’re planning). Make sure your 2025 mark sheet shows you as a regular pass and not an "improvement candidate. In JEE Advanced, eligibility criteria say: "A candidate should have appeared for the Class 12 (or equivalent) examination for the first time in either the previous year or the current year." You are within this rule because 2025 is your first full qualified passing year. Plan to Score High in JEE Advanced 2026. Since you have a full year to prepare, here’s a strategy: Focus on Concepts: Use NCERT, HC Verma, Irodov, Cengage, or MS Chauhan as per subjects. Join any reliable online Test Series. Solve PYQs (Last 20 years): For both Mains and Advanced. Revise Smartly: Make short notes, formula sheets, and track your weak areas. Stay Consistent: Use Pomodoro technique, meditation/yoga to stay sharp. If time permits, watch EduJob360 YouTube Videos on Engineering Entrance Exams, Preparation Strategies, Counselling & More. All the best for your preparation & admissions!

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