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Radheshyam

Radheshyam Zanwar  |8598 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 20, 2026

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Jul 19, 2026
Career

I have scored 379 in neet 2026.Now I have two choices given by my parents either do BDS and drop the thought of being a mbbs doctor ..or take 1 year drop at any coaching centre and give neet 2027.its my second drop. I took 2 years drop at home by studying from online courses..I know my parents can afford pvt medical seat but they are unwilling to do ..reforms are going to take place in neet 2027..I am not sure about career with bds also ...I just so much confused and stressed right now..I feel like I am loosing my mind..please suggest something or answer me ..

Ans: You have already attempted NEET two times. Yet you are at just 379 marks. Even if you try the 3rd time, it is no guarantee to hit around 600 for a sure-shot Govt MBBS seat (considering an open candidate). It is better to either take admission to a private medical college only this year. Don't go with BDS as you aimed for MBBS. But if parents are inclined towards BDS, then you have to consider their views only. BDS is a good option and has a bright future. The final decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam
Career

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Mayank

Mayank Chandel  |2763 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 27, 2024

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Career
Hello, i really have a serious issue regarding my studies as i am 24 yrs now and gave NEET 4times and i am still preparing for nxt year 2025 but at the back of my mind i am really tensed what if the same thing repeats in the neet 2025 also like paper leak and all, So now i am confused that should i take a full drop or partial drop. The mental pressure is really hitting hard and also its almost been 4years that i am still 12th pass only and my classmates have already completed their college and some are flight attendant and earning well, So this all things just hits so hard and also the hope in parents eyes as my father is already proud that i studied science so i would definitely become doctor. I wasted a lot of money in pg and coaching (fastrack) and this all things are hitting so hard that i really feel sad and have no ways to go.
Ans: Hi Bhima
I must say you have got perseverance & I appreciate your parent's trust in you. You have already appeared multiple times and you are going to appear again in 2025. By the time you will be 25 years old. They say there is no age to learn. But after getting admission you need another 10 years to practice as a qualified specialist. Make sure you take admission in the next session.

If higher cutoff & high fees of private colleges are an issue for you, then try exploring the MBBS abroad option, I can help with that too. Since NEXT is compulsory for Indian & Foreign graduates too it won't make a difference if you study in India or Abroad.

For time forget all the societal pressure and give your 100% and make your parents proud.

..Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |3286 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 28, 2025

Asked by Anonymous - Apr 28, 2025
Career
Sir I am feeling very uncertain about my career, i am very much interested in medical field, i gave my HS in 2024, this is my 1st drop for neet, i tried a lot but due to family issues and negativity i couldnot do well, neet is jst after 5days , but my syllabus not yet done, mock test are not good, but still i want to pursue medical field ans study in a government medical college, i know where my preparation was lagging{my class 11 12 were weak, those who taught me they all jst told m,e "u cant do anything " and leave and never used to teach properly but i did everything by my own , and then took drop but i how to prepare in a coaching class i didnt know all network isuues for almost 6months ,but i keep on doing and now i am standing in a uncertain phase where i still want to become a doctor, i dont have anproblem in studying those again but the problem is what others will say , its like a fear, as even though my parents enrolled in a coaching online previous year but they also sometimes used to say that i should have also enrolled i a college, its a fear, so my question is this path really for me? should i take a partial drop and go for neet 2026 too, {dob: 14/10/2005}.....i feel like hopeless , but still want to follow my dreams, is this possible?
Ans: Hi,

Before I address your query, please avoid mentioning your date of birth on social media; it's not necessary at this point. However, I noticed that some other details are missing.

In addition to the educational concerns, it seems like you may have a bit of a psychological issue in that you tend to worry excessively about others. This mentality is quite common in our country. Prior to the NEET exam, entry into the medical field, specifically for MBBS and BDS, was mainly reserved for aspirants with high marks. Additionally, those with significant wealth could gain admission through management quotas or at times via NRI quotas. However, the situation has changed completely after the introduction of NEET.

As you know, the major advantage of NEET is that the marks aspirants score in their HSC examinations are now less relevant. Candidates from any part of the country, of any category or state, and even those taking the exam for a second time can attempt NEET, regardless of their HSC performance. If aspirants have talent, they can succeed in NEET, which provides a standardized syllabus across the nation. So, even if you are currently struggling with your HSC studies, you can still perform well on the NEET.

Apart from percentile scores, various factors will influence admission, including community status, creamy or non-creamy layer, physical challenges, and more.

Therefore, NEET is the best solution for aspirants, and you can take the exam as many times as you need.

There are no barriers to preparing for the exam, so please go ahead.

You mentioned that you feel weak in the subject and have difficulty concentrating. I suggest starting yoga and meditation. By practicing these, you'll be able to relieve stress and work towards achieving your goals.

Regarding your desire to enter the medical field (I believe you want to become a doctor), is that correct?

If so, in addition to MBBS, there are other medical courses known as Indian Medicine, including BAMS, BHMS, BSMS, and BNYS. If you find MBBS challenging, consider focusing on these options as well. Many people have started to embrace Indian medicine after the COVID pandemic, so it’s not a problem at all.

Prepare for NEET 2025, analyze your situation, and send your details to the Rediffguru. We can discuss this further.

Wishing you all the best!
POOCHO. LIFE CHANGE KARO.

..Read more

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Anu

Anu Krishna  |1809 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2026

Asked by Anonymous - Jul 31, 2026
Relationship
Hi Madam, I am from Jaipur. My daughter is married in well off joint family having a baby of 2 years. My daughter is facing the following problem/s. 1. In their family, she has mother-in-law, her two sons (daughter is married to the elder son), the other son is also married with a working wife. My daughter is also working in a reputed multinational company. 2. We have raised our daughter with good values viz. always respect elders whether or not they reciprocate with love, keep good relations with all (elders and younger), to take care of home. 3. The problem is her mother-in-law is totally in favour of her younger daughter-in-law as she is from their caste. She gives more importance to the younger bahu than my daughter. No matter how much my daughter does for her mom-in-law and others in the family, she always finds fault with her. On the other hand, the younger daughter-in-law is very clever and shrewd and finds ways to butter mother-in-law and the sister-in-law (who is also married having 2 children, living separately). She does very less household work and still manages to get praise from all because of her shrewdness. My daughter doesn’t like doing buttering, lip-service. 4. My daughter is therefore continuously facing physical and mental stress due to all this. She shares her sufferings with me and I try to console her and advise her to tactfully handle situations as they arrive. Don’t take too much stress but I understand her situation. 5. My son-in-law though loves his wife but care more for his ageing mother and therefore doesn’t confront his mother, his bhabhi or his younger brother (who is also totally in favour of his wife i.e. younger daughter-in-law). He supports my daughter in private but doesn’t confront his mother whenever my daughter complains about her, saying mom might feel hurt. 6. The biggest problem is due to all this; my daughter is in great stress. Sometimes unable to cope with extreme situations surrounding her. She keeps sharing her thoughts and problems with me and I give her advice according to best my knowledge and experience. I request for your expert advice on what action should we take so that my daughter can lead a normal, dignified life. Thanks.
Ans: Dear Anonymous,
It's almost impossible to change people BUT the way we respond to them is the only safe bet...

If your son-in-law openly supports your daughter, you know what it will do to the family; fights, arguments and if there's a rift your daughter will be blamed for it
If the only way is a joint family, then the way to approach this is quite straightforward and it's even better as your daughter is working, so very little time for interactions at home. Now, if your daughter chooses to be bothered by who's the better daughter-in-law and who does more work and who gets the praise, she's going to be stuck in this loop and there's no end to it.
Yes, I will ask her to ignore, do only what she can, not waiting for anyone to notice...seeing this change in behavior will definitely cause the family to notice it and who knows things may change.
If marriage only meant that one's efforts must be noticed and especially in a joint family, that is almost an impossibility as someone or the other is going to be unhappy with the efforts. Is your daughter going to chase this or is going to life her life?
As I mentioned earlier, trying to change someone will only end up in fights and if your daughter and her husband are ready for what will follow, then that's a choice that they need to make which is also fine.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Komal

Komal Jethmalani  |484 Answers  |Ask -

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Nayagam P

Nayagam P P  |12500 Answers  |Ask -

Career Counsellor - Answered on Aug 10, 2026

Career
sir JIIT Bsc CS or JUIT solan BTech mathematics and computing or Sri Krishna Institue of Technology banglore which is a better option sir please help
Ans: Mohd, Mohd, JUIT Solan – B.Tech Mathematics & Computing (M&C) could be the first preference. As a B.Tech programme, it currently offers stronger degree value and broader acceptance in the corporate technology sector than a B.Sc., while providing strong opportunities in computing, AI, data science and related fields.

Second preference: JIIT Noida – B.Sc. Computer Science, particularly if the long-term goal is higher education such as an MCA or MS abroad, along with the advantage of being located in the Delhi-NCR corporate and technology hub. However, since the B.Sc. programme is relatively new, its independent placement track record is still developing.

Third preference: SKIT Bengaluru – CSE. Although Bengaluru offers excellent exposure to India's technology ecosystem, SKIT is a relatively lower-tier engineering institution with a developing academic and placement ecosystem. Therefore, it ranks below JUIT and JIIT for overall long-term career prospects. All The Best for Your Prosperous Future!

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

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Ramalingam

Ramalingam Kalirajan  |11374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 10, 2026

Money
Regarding For Health Insurance And Term Insurance Me Age 31 Wife Age 24 Son Age 3 Mom AGE 50 DAD Age 55 Please Suggust Good Health Insurance Please Suggust Term Insurance Also For me Thanks Please Sugg
Ans: You are starting insurance planning at the right age. At 31, term insurance is usually much cheaper than later.

» Health Insurance

I would not put everyone into one common policy.

A practical structure would be:

– You, wife and son: family floater policy.
– Mother and father: separate senior-age health policies.
– Avoid mixing parents with your young family.
– Consider a strong base cover with a suitable super top-up.
– Check room-rent limits, co-payment and disease waiting periods.
– Check the insurer network near your residence.
– Check claim settlement process and policy exclusions.

For your parents, premiums can be much higher at ages 50 and 55.
So compare plans carefully before selecting one.

» Your Term Insurance

At age 31, term insurance is important because your wife and son depend on your income.

The required cover should consider:

– Your current income.
– Outstanding loans, if any.
– Child education.
– Family living expenses.
– Future financial responsibilities.

As a broad starting point, a Rs.1.5 crore to Rs.2 crore cover can be evaluated.

The policy should ideally continue until your major financial responsibilities reduce.

Choose pure term insurance only.

Avoid combining insurance with investment products.

» Important Point

Health insurance and term insurance serve different purposes.

Health insurance protects your savings from medical expenses.

Term insurance protects your family from loss of income.

Both should be treated as protection, not investment.

» Before Choosing Any Policy

Please compare:

– Claim settlement terms
– Waiting periods
– Permanent exclusions
– Co-payment conditions
– Room-rent restrictions
– Restoration benefits
– Lifetime renewal
– Network hospitals
– Premium increases
– Policy wording

Do not select only because the premium is lowest.

» Final Insights

Your young family needs a good health cover and adequate term cover.

Keep your parents separately insured.

For you, evaluate Rs.1.5 crore to Rs.2 crore term cover.

For health insurance, the exact recommendation needs your city and budget.

Also, disclose all existing medical conditions honestly while purchasing.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 10, 2026

Money
Hi Sir, i am a Accountant, i am married , i have one kid with age of 3, now i am planing to Reshape my Mutual Fund Protfolio, could you advice is this correct. Now My AGE 31 I am planing until my Age 40 and After 5 Year 1 Start to SWP From That Funds 1 . parag parik flexicap fund - Monthly 6K 2 . zerodha nifty large & Mid 250 elss fund - Monthly 4K 3 . Motilal Oswal Mid cap - Monthly 3K 4. Banthan Small Cap - Monthly 2K 5 . Nippon India Gold Saving Fund - 2 K NOTE : Every Year 10% Increse SIP Amount total 10 Year Horizon and i need money from after 5 Year I start SWP can i go long term this funds or need to rebalance
Ans: You have started quite early, which is a big advantage. At age 31, your long-term compounding period is strong. Your 10% annual SIP increase is also a very good habit.

» Your Present Strategy

Your total monthly SIP is Rs.17,000.

The broad allocation is:

– Flexi-cap: Rs.6,000
– Large and mid-cap index: Rs.4,000
– Mid-cap: Rs.3,000
– Small-cap: Rs.2,000
– Gold: Rs.2,000

The allocation is reasonably diversified.

But one important issue needs attention.

You want to start SWP after only 5 years.

Five years is not a very long period for an equity-heavy portfolio.

» Main Concern With The Five-Year SWP

If you definitely need money after five years, do not keep the entire corpus in equity.

Markets can fall sharply around your SWP starting date.

This can force you to sell units at low prices.

A better approach is goal-based investing.

– Years 1 to 3: Equity can have a larger role.
– Around year 4: Start reducing risk for the required amount.
– By year 5: Keep the next few years SWP requirement in safer assets.
– Let the remaining long-term money stay invested for growth.

This can make your SWP much more comfortable.

» About The Large And Mid-Cap Index Fund

This is the part I would reconsider.

An index fund simply follows its chosen index.

It does not actively select companies based on changing business conditions.

It also cannot avoid a company merely because its future outlook has weakened.

An actively managed fund gives the fund manager flexibility.

The manager can change stocks based on valuations, earnings and business quality.

Since you are planning long-term wealth creation, active management can be useful.

I would therefore review this allocation and consider an actively managed diversified category instead.

» Mid-Cap And Small-Cap Exposure

Having both mid-cap and small-cap exposure can help long-term growth.

But these categories can fluctuate heavily.

Since you want money after five years, do not increase these allocations aggressively.

Your 10% annual SIP increase is good.

But future increases should not automatically go into small-cap funds.

» Gold Allocation

Your Rs.2,000 monthly gold allocation is reasonable.

Gold can provide diversification.

It can also help during periods of equity market stress.

I would keep gold as a supporting allocation, not the main growth component.

» Should You Continue These Funds For Ten Years?

The investment horizon and withdrawal horizon are different.

You can continue investing for 10 years.

But if money is required from year 5, that portion needs separate planning.

Do not assume that every fund must be held unchanged for ten years.

Review the portfolio once every year.

Fund selection, allocation and your financial goals can change over time.

» How I Would Reshape It

I would keep the portfolio simpler.

– One strong diversified equity fund as the core.
– One mid-cap allocation for additional growth.
– Limited small-cap exposure.
– A modest gold allocation.
– Avoid unnecessary duplication.
– Replace the index allocation with a suitable actively managed category.
– Create a separate safer bucket for the five-year requirement.

You do not need many funds to build wealth.

» Your 10% SIP Increase

Please continue this habit.

It can become more important than selecting the perfect fund.

Whenever your salary increases:

– Increase SIPs first.
– Maintain your emergency fund.
– Increase investments towards your childs future.
– Avoid increasing lifestyle expenses at the same speed.

Your child is only 3 years old.

You have a very good time horizon for that goal.

» SWP Planning

Do not start SWP merely because five years are completed.

Start SWP when the money is actually required.

Before starting SWP:

– Identify the required monthly amount.
– Keep near-term withdrawals in safer assets.
– Keep long-term money invested for growth.
– Review the withdrawal rate every year.
– Rebalance when equity exposure becomes too high.

This approach can protect the portfolio from unnecessary selling during market falls.

» Regular Funds Through MFD

Since you are planning a long-term portfolio, consider investing through an AMFI-registered MFD.

Regular funds can provide ongoing portfolio support.

You also get help with reviews, rebalancing and goal planning.

Direct investing can work for disciplined investors who manage everything themselves.

But many investors change funds based on recent performance.

An MFD can help maintain discipline through market cycles.

» Final Insights

Your basic portfolio structure is good.

The main correction is your five-year SWP plan.

Do not keep the entire portfolio equity-oriented until the SWP starts.

Also review the index allocation.

I would prefer a simpler actively managed portfolio with clear roles.

Continue the 10% annual SIP increase.

Most importantly, separate your five-year requirement from your long-term wealth.

With 10+ years of disciplined investing, you have a strong opportunity to build meaningful wealth.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...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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