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Amit

Amit Nigam  | Answer  |Ask -

Answered on Jan 16, 2009

pavanp Question by pavanp on Jan 16, 2009Hindi
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can we take a risk of doing a part time management course from good institution, in this down turn time?

Ans: I'd say its a good idea. What is the risk you foresee in doing that? This obviously helps you to differentiate yourself from your peer group and will help you broaden your horizons.
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Shekhar

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Leadership, HR Expert - Answered on May 09, 2024

Asked by Anonymous - May 03, 2024Hindi
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Career
I am kiran graduated in 2019 in Mechanical Engineering after graduation I got job in public sector steel plant based on my diploma so since 2019 I have been doing job in Steel psu as non-executive, now my age is 26 i realised there is no future scope in my current company so I want to resign and study , I'm thinking to join mtech in reputed university, is it worthy decision??
Ans: Deciding to pursue further education, such as an M.Tech. from a reputed university, can be a significant step towards advancing your career, especially if you feel that there are limited growth opportunities in your current role. Reflect on your long-term career goals and aspirations. Consider whether obtaining an M.Tech aligns with your career objectives and whether it will help you progress towards achieving them. Research the job market for mechanical engineers with an M.Tech. degree to assess the potential career opportunities available to you after completing the program. Evaluate the relevance of an M.Tech. degree in mechanical engineering to your desired industry or field of specialization. Determine whether the knowledge and skills gained through the M.Tech. program will enhance your professional competencies and make you more competitive in the job market. Consider how pursuing an M.Tech. degree can contribute to your personal and professional development. Reflect on the opportunity to deepen your understanding of mechanical engineering concepts, engage in research or practical projects, and collaborate with peers and faculty members in a university setting. Assess the financial implications of pursuing an M.Tech. degree, including tuition fees, living expenses, and potential loss of income during the duration of the program. Explore the scholarship, fellowship, or financial aid options available to support your education and minimize financial strain. Research and evaluate the reputation and accreditation of the universities or institutions offering M.Tech. programs in mechanical engineering. Consider the networking opportunities available through an M.Tech program, including interactions with faculty members, industry professionals, and fellow students. Consider how you will manage the logistics of resigning from your current job, applying for M.Tech. programs, and preparing for your future career. Ultimately, the decision to pursue an M.Tech. degree should be based on a careful evaluation of your career goals, personal interests, financial considerations, and the potential benefits of further education in advancing your career. If you believe that obtaining an M.Tech. degree will provide you with valuable skills, knowledge, and opportunities for career advancement, then it may indeed be a worthy decision for you.

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Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 06, 2026Hindi
Relationship
I am ready to stand against my parents for the boy I love, but he isn’t willing to stand up to his family. We are both Hindus but our customs, language and rituals are very different from each other. Since the time we started dating, I have tried to give up on my choices for the sake of our happiness. He proposed to me last year after dating for 12 years. I said yes. Now he wants me to convince his parents. He is 29, the eldest son of the family but he feels his parents will not agree for our marriage. His entire family is against us. His mother won't even look at me, forget sit down and talk. I told him we'll have a court marriage and live separate but he wants me to convince his family. If he doesn't take responsibility now, how can I expect him to stand up for me in the future?
Ans: Dear Anonymous,
Are you serious? He happily got into a relationship with you BUT now wants to hide when it's time to talk to his parents.
He's 29 and as a mature adult you must learn to understand that until marriage it's his responsibility to not just talk to his parents but also find a way to make you and his parents meet.
Instead, he chooses to hide or he's scared? Do push him gently into his responsibilities and if you catch him delaying talking to his parents, then understand that he has a personality that avoids conflicts especially with his parents. Do imagine what it can be for you once you are married into that house.
Have an honest chat with him; love is not always roses and candles...straight and honest talk is always better before taking that big step.

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

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Anu

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Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Reetika

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Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Money
sir, I am 28 year old Engineer working in IT field for 6 years. Recently married and my wife is also working in a IT Company. I have started investment in MF since my first salary and at present total the corpus is 15 L and my present SIP amount is 60K. In addition I am having 6L in PPF, 8L in Bank FD, 15L PLI and 5L Health Policy. My parents are well settled. My portfolio is as given below. 1. ICICI Prud. NASDAQ - 3K 2. Parag Parikh Flexi Cap - 10K 3. Quant ELSS - 7K 4. HDFC Retirement Saving - 10K 5. Kotak Mid Cap - 6K 6. SBI Focused Equity - 8K 7. Bandhan Small Cap - 8K 8. Nippon India Multi Asset - 8K My investment time horizon is 20+ years. Please review and suggest changes required if any. With Thanks & Regards, S. Salvankar
Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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