GOOD AFTERNOON DOCTOR I am 55 years old retired airforce pilot My fasting sugar 110, PP 124, GTT normal, Hb1C normal taken lot of advices and did exercise, change in diet, sugar cutting down to 20% to lower my fasting below 96 but could not get even below 110 Habits social drinker, loves ice-cream, fish and non veg delicacies

Ans: PLC & SCADA Programming, Python Programming, IoT (Internet of Things) etc

Ans: If you are content with MSRIT’s program, progressing well academically, and preparing for placements, I suggest continuing at MSRIT and focusing on excelling in your current opportunities.
If you are deeply passionate about studying at an IIT or want to switch to a more specialized field, and you are confident about significantly improving your JEE rank, you could consider retaking the exam.

Ans: This field plays a critical role in addressing global challenges related to food security, sustainable agriculture, and technological advancements in farming but from career perspective the scope in very limited in India. If he can do PhD from foreign universities then he can compete globally.

Ans: Yes, you can add Biology to your 12th-grade qualifications through the National Institute of Open Schooling (NIOS)

Ans: Impossible to sagest physical coaching institute without knowing location

Ans: Hello.
Sorry to say, it is impossible to list the names of engineering colleges spread across the country as per your demand. There are hundreds of colleges in India, where students are getting placements more than 10 LPA. It would be better to ask your ward to score more in the JEE (Main) examination and get admission to the top engineering college. The total game is dependent on the score in the JEE examination. Today's 10 LPA will have less value after 4-5 years. Along with JEE, ask your ward to appear for the respective state engineering test also. If he/she scores less in JEE, then the other option will remain open. Many students make the mistake of focusing only on JEE and ignoring the state-level engineering examination. At a later stage, they get disappointed when they score less in JEE. Best of luck to your ward for the upcoming JEE examination.

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Ans: Based on the information you’ve shared, let us assess your situation and provide insights into your potential retirement corpus.

Current Financial Position
Take-home salary: Rs. 2.5 Lacs per month
Car EMI: Rs. 5,000 per month (ending Dec 2026)
Health insurance: Rs. 25 Lacs
Term insurance: Rs. 2 Crores
Monthly SIP: Rs. 1 Lac
Lump-sum investment in mutual funds: Rs. 75 Lacs (current value)
Education loan repayment: Rs. 20 Lacs starting after 2.5 years
Retirement age: 58 years (4 years from now)
Assumptions for Projection
Your SIP of Rs. 1 Lac per month continues until retirement.
Your lump-sum mutual fund investment grows at an assumed annual rate of 10%.
Monthly SIP investments grow at an assumed annual rate of 10%.
Education loan repayment starts in 2.5 years. Let’s consider this doesn’t disrupt your SIPs.
Estimated Retirement Corpus
1. Growth of Existing Lump-Sum Investment
Current value: Rs. 75 Lacs
Growth for 4 years at 10%: Approximately Rs. 1.1 Crores
2. Future Value of Monthly SIPs
SIP: Rs. 1 Lac per month
Duration: 48 months (4 years)
Growth at 10%: Approximately Rs. 63 Lacs
Total Corpus at Retirement
Lump-sum mutual fund value: Rs. 1.1 Crores
SIP investments: Rs. 63 Lacs
Total corpus: Rs. 1.73 Crores
Recommendations
Education Loan Repayment: The repayment may require adjustments in your budget. Consider partial withdrawals or rebalancing investments if necessary to avoid disrupting your SIPs.
Increasing Savings: Once your car loan ends in 2026, channel the Rs. 5,000 EMI into SIPs to further enhance your corpus.
Financial Review: Regularly review your investments and retirement goals with a Certified Financial Planner to ensure alignment with market conditions.
Final Insights
If your investments grow at an average rate of 10%, you may have a retirement corpus of approximately Rs. 1.73 Crores by age 58. Focus on maintaining your SIP contributions and ensuring liquidity to manage upcoming education loan repayments effectively.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Meharban Sir, Thank you for your question. I have responded to a similar question recently. You may check my answer here
If you are looking for more details, I would be happy to assist/guide you. All the BEST for Your Prosperous Future.

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Ans: Miles Talent Hub's offer to go to the US for a year to do a STEM program and then stay for three years on a work visa could be a good chance, especially if you want to work and travel abroad and advance your career. Before you decide, here are some things to think about:

If you go to a STEM school in the US, especially in a field like healthcare, you might be able to find new job opportunities in advanced medical technologies, research, or management that you might not be able to find in India. It's possible that the 3-year work visa will help you learn about the global healthcare industry while also letting you make money.

Effects on your finances and your life: Studying abroad can be pricey, so make sure you look at all of the costs, such as tuition, living costs, and any scholarships or other financial help that might be available. Think about whether you can handle being away from home for a long time.

Opportunities in India: The United States has a lot of great opportunities, but India also has room to grow, especially since the need for healthcare workers is growing. In India, look for job openings, higher education programs, or specialized certifications that could help you move up in your business. Think about where you want to be in 5 to 10 years. This could be a good first step if you want to grow in a foreign setting or go to school abroad to study nursing or healthcare management. All the BEST for Your Prosperous Future.

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