Sir, I have been working as an admin executive (under HR Dept.) in a reputed car dealership for 7 years in a small city (where not much opportunity arises for my type of individual). We have dept. of 3 persons 1 GM HR, 1 HR Mgr. 1 me. Since my graduation does not contain 50% marks I cannot do an MBA from anywhere. The thing is I want to take my career ahead in HR. I know its all functions very well and have completed some Modules/training organised by our principals. What options do I have for my future?

Ans: Vndhya, With a VITEEE rank of 80,000, your brother can get Computer Science Engineering (CSE) at VIT-AP, as the 2025 expected cutoff for CSE at VIT-AP is between 25,000 and 115,000, and recent years have seen admissions up to similar ranks. Student reviews highlight good infrastructure, supportive faculty, strong academic environment, and a modern campus. Placements are centralized across VIT campuses, with high placement rates, strong industry connections, and ample opportunities for internships and skill development. While some students feel the campus is smaller and connectivity can be an issue, VIT-AP is generally considered a solid choice for CSE, especially for those who value a balanced academic and campus life experience. All the BEST for your brother's Admission & Prosperous Future!

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Ans: Prioritize SRM KTR CSE (AI/ML) for its strong industry connections (avg. ?18-22 LPA, top roles in AI/ML) despite high fees (?19L) and reported faculty limitations. Next, UPES CSE offers robust placements (top 10% avg. ?17.69 LPA) and industry-aligned curriculum, though fees match SRM. MIT Bangalore IT leverages Manipal’s brand (centralized placements, ?51 LPA highest) but lacks AI/ML focus and has unproven track record as a newer campus. MUJ CSE (avg. ?8-9 LPA, ?12-15L fees) suits budget-conscious students but lags in specialization and placement momentum. SRM’s niche AI/ML edge and UPES’s high-performing cohorts outweigh MIT’s nascent reputation and MUJ’s generic CSE. All the BEST for your Admission & Prosperous Future!

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Ans: Healthy gums do not bleed easily. So if your gums bleed it could be an indication of early gum disease. Kindly do not neglect it. Consult your dentist. Gum disease is easily curable. With proper treatment and personalised advice on gum care your gums will be strong and healthy again.

Ans: Tooth sensitivity can be caused by enamel thinning amd/or receding gums.

Tooth sensitivity can be managed and potentially reduced with some simple steps:

Oral Care Habits
1. Use a soft-bristled toothbrush: Gentle brushing can help reduce further irritation.
2. Choose a desensitizing toothpaste: Look for products containing potassium nitrate or strontium chloride.
3. Brush correctly: Use gentle circular or vertical motions, avoiding harsh scrubbing.

Dietary Changes
1. Limit acidic foods and drinks: Avoid or reduce consumption of citrus fruits, soda, and sports drinks.
2. Avoid extreme temperatures: Try to consume food and drinks at room temperature.

Additional Tips
1. Visit your dentist: Identify underlying causes and receive personalized advice.
2. Consider a fluoride varnish or gel: Professional applications can help strengthen tooth enamel.
3. Avoid grinding or clenching: Wear a mouthguard if necessary to reduce teeth wear.

By following these steps, you can help alleviate tooth sensitivity and prevent it from worsening. Consult your dentist for further guidance.

Ans: Yes, your query is very thoughtful.

There are mutual funds that offer regular income options.

Let us look at them in detail.

 
 

Monthly Income Through Mutual Funds
Some hybrid mutual funds aim to give regular cash flows.

 
 

These are ideal for retirees or those needing monthly income.

 
 

But these payouts are not guaranteed like bank FDs.

 
 

The amount and frequency can vary based on scheme performance.

 
 

These funds offer dividend payout options or Systematic Withdrawal Plan (SWP).

 
 

What is a Systematic Withdrawal Plan (SWP)?
SWP allows you to withdraw a fixed amount regularly.

 
 

You invest a lump sum, and take out fixed money monthly.

 
 

Your capital stays invested and continues to grow.

 
 

This is more tax-efficient than FD interest.

 
 

It gives you more control than choosing dividend option.

 
 

Why Regular Mutual Funds via CFP is Better
Always invest through regular plans with CFP guidance.

 
 

Avoid direct plans as they give no advisory support.

 
 

Also avoid index funds, as they don’t help in personal goal planning.

 
 

A CFP helps to select best performing active funds for regular cash flow.

 
 

He will also help you design SWP as per your monthly needs.

 
 

Points to Keep in Mind
SWP works best when capital stays for long-term.

 
 

Avoid withdrawing more than what your fund earns yearly.

 
 

Taxation depends on fund type and holding period.

 
 

For equity funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

 
 

STCG is taxed at 20% for equity mutual funds.

 
 

For debt funds, all gains are taxed as per your income slab.

 
 

Sample Planning Approach
First, calculate your monthly cash flow need.

 
 

Choose a suitable hybrid or equity mutual fund.

 
 

Invest a lump sum or grow it through SIP.

 
 

Start SWP after 1–2 years, if needed.

 
 

Review SWP and portfolio yearly with your CFP.

 
 

Don’t withdraw in falling markets unless urgent.

 
 

This is a professional way to create passive income.

It also gives your capital a chance to grow.

 
 

Best Regards,
 
K. Ramalingam, MBA, CFP
 
Chief Financial Planner,
 
www.holisticinvestment.in
 
https://www.youtube.com/@HolisticInvestment

Ans: Hello dear
Keep hopes alive for IIITs or GFITs. But explore more options from the safer side. Nothing can be strongly predicted with this score.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello dear
Preference order for you: (1) SRM (2) KIIT (3) Amity
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Yes Data Science is a field that is in vogue. But key would be to do a post graduation at a later phase.

Ans: First step would be to secure a job as you will have some job experience in case you plan to do a job at a later stage. Secondly do post graduation in area of your interest. If you are not sure then can do MBA. But your gap years may create problem at later stage to get a job. So would recommend you to do some short term job oriented courses and look out for a job.