I am scoring 548 in neet2024 and 92.95 percentile in jee 2024 after my first drop should i get BTech bams or should i take drop for neet

Ans: Hi,
Pls update your cv on job portals . Shortlist companies that you want to work with , reach out to their HRs through LinkedIn.
Share your cvs with good recruitment companies. Even if the job role is not exactly what you are looking for, still take up any opportunity that comes your way.Get started ASAP pls.

Ans: Dear Anonymous,
There is no need to jump into a marriage right away, right?
Start by expanding your social circle that includes a good mix of people from different backgrounds and work spheres. You might just end up finding someone who matches your thinking, ideals and lifestyle.
Cross this before you start bride-searching. You need to get your faith back into wanting a life partner and in the institution called marriage. So, baby steps...Trust builds over time so, give time for yourself to heal while you explore the idea of socializing. It acts as a good bridge not knowing someone and knowing someone. The concept of 'Dating' will ideally fall here and you might find someone with whom you can spend the rest of your life with.

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

Ans: It will be nice if your partner and you are sexually compatible, if not there are tools that you can use to explore yours, self pleasure can be undertaken in a relationship or not.

Ans: Dear Apoorva,
Oh, you mean emotionally stable?
Since it's a general question, I will just list down a few here; you can add what seems relevant to you.

1. Practicing Meditation
2. Learning when not to respond
3. Speaking your truth without fear
4. Knowing when to walk away from conflicts
5. Doing what you love everyday
6. Keeping physically git
7. Getting good quality sleep
8. Eating consciously
9. Detoxing from electronic devices for a short time everyday
10. Keeping a mind-friendly social circle around you

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

Ans: Dear Anonymous,
If you are in doubt, ASK, CLARIFY!
Simply ask him what his thoughts are on marriage and if he sees a life partner in you.
What's the point trying to gauge him through work-related stuff. You talk of marriage, then be direct and assertive. If the elders in the family need to talk to each other first, then let it run its course and then you can step in and clarify it with him. Makes sense? Then there are no more guessing games...

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

Ans: Dear Anonymous,
You can't convince anyone when they have decided not to be convinced. Inter-faith marriages are still a big NO-NO in many households and when you ask parents, they will give reasons of not being able to adjust to another home with different customs and traditions and also they worry about society.
If you want this marriage, rather than focusing on convincing your parents, why don't you build reasons on why they should trust your partner? Let you partner also try and integrate into your family. Your parents need to see why your partner is good for you and maybe that will help them break their beliefs.
So, think more on what you and your partner can do for your parents to trust and be comfortable around your partner.

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

Ans: No loans and a good monthly income of Rs 4 lakhs is a great foundation. Managing monthly expenses of Rs 1 lakh also shows disciplined financial habits.

Setting Retirement Goals
You aim to retire at 55, which is in 15 years. It’s crucial to assess your financial goals, including your daughter’s education and lifestyle after retirement.

Estimating Post-Retirement Expenses
After retirement, your expenses may change. While some expenses like commuting will reduce, healthcare and leisure might increase. Assume monthly expenses of Rs 1 lakh now. Post-retirement, adjusting for inflation, this could be around Rs 2.4 lakhs per month.

Accounting for Inflation
Inflation significantly impacts long-term financial planning. Assuming an average inflation rate of 6%, your current Rs 1 lakh monthly expense will need to grow to cover higher costs in the future.

Daughter’s Education Fund
Higher education costs are rising. Let’s estimate a fund for your daughter’s college education, considering current and future costs. A reputed Indian college might cost around Rs 25-30 lakhs today, which will likely increase over the next 8 years.

Building a Retirement Corpus
Given your retirement timeline, you need to build a significant corpus. This will support your lifestyle and healthcare needs. Your current earnings give you a solid base to start with.

Investment Strategy
Diversified Portfolio
Investing in a diversified portfolio is key. Consider equity, debt, and hybrid funds. Equities can offer higher returns, while debt provides stability. Hybrid funds balance the two.

Actively Managed Funds
Actively managed funds often outperform index funds in the long run. Professional fund managers adjust the portfolio based on market conditions, potentially offering better returns.

Regular Mutual Funds Through CFPs
Regular mutual funds, managed by a certified financial planner (CFP), can be advantageous. CFPs provide professional advice, helping you navigate market complexities and optimize returns.

Emergency Fund
Maintain an emergency fund. It’s essential for unexpected expenses. Aim for 6-12 months’ worth of expenses in a liquid, easily accessible form.

Insurance Coverage
Ensure adequate health and life insurance. Health insurance is critical, especially as you age. Life insurance protects your family’s financial future. Avoid investment-cum-insurance policies; pure insurance products are better.

Surrendering Unproductive Policies
If you hold LIC, ULIP, or investment-cum-insurance policies, consider surrendering them. Reinvest the proceeds into mutual funds. These policies often have high charges and low returns.

Tax Planning
Efficient tax planning can save money. Utilize tax-saving instruments under Section 80C, 80D, and others. Mutual funds like ELSS can help save tax while providing good returns.

Monitoring and Reviewing
Regularly monitor and review your investments. Financial goals and market conditions change. Adjust your portfolio as needed, ideally with the help of a CFP.

Early Retirement Considerations
Retiring early at 55 means your corpus needs to last longer. Plan for at least 30 years post-retirement. This requires a careful balance of growth and safety in your investments.

Role of Certified Financial Planners
CFPs offer expertise in creating a holistic financial plan. They help in choosing the right investments, optimizing returns, and ensuring your goals are met efficiently.

Benefits of Actively Managed Funds
Actively managed funds adapt to market changes. Skilled managers can capitalize on opportunities and mitigate risks better than passive index funds. They also offer personalized investment strategies.

Addressing Direct Fund Disadvantages
Direct funds require individual management. They lack professional guidance, which can lead to suboptimal decisions. Investing through a CFP ensures professional management and better alignment with your goals.

Contingency Planning
Always have a contingency plan. Unexpected events can derail your financial plans. A solid contingency fund and insurance coverage provide a safety net.

Education Planning
For your daughter’s education, consider child-specific mutual funds. These funds are tailored to meet educational expenses, providing both growth and safety.

Retirement Lifestyle
Visualize your retirement lifestyle. Consider hobbies, travel, and other activities you wish to pursue. Budget for these, ensuring you have enough funds to enjoy your retirement fully.

Final Insights
Planning for retirement is a multifaceted process. It requires a balanced approach, considering various aspects like inflation, education, and lifestyle. Engaging with a certified financial planner can significantly enhance your financial journey, ensuring you meet your retirement goals comfortably.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Weight gain is gradual. Focus on muscle gain by engaging in resistance exercises (weight lifting, bodyweight exercises). Include lean protein sources like chicken, fish, eggs, and legumes. Consider protein shakes or smoothies as well. Instead of three large meals, try eating smaller, more frequent meals throughout the day. Include sources of healthy fats (like avocados, nuts, and olive oil) and complex carbohydrates (whole grains, legumes). Consult a professional dietician for further advise on increasing your hemoglobin levels.

Ans: Glad to know that you are motivated to improve your health and build muscle! To lose fat, create a caloric deficit by consuming fewer calories than you burn. Focus on a high-protein diet to preserve muscle while losing fat. Incorporate strength training to boost metabolism and maintain muscle mass. Consume enough protein to support muscle repair and growth. Include high complex carbs from whole grains, fruits, vegetables and low healthy fats. Stay hydrated. Avoid high sugary and fat foods.