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What's the Average Cost of Invisalign Treatment for a 16-Year-Old?

Dr Shyam

Dr Shyam Jamalabad  |95 Answers  |Ask -

Dentist - Answered on Jun 11, 2024

Dr Shyam Jamalabad holds a bachelor’s degree in dental surgery from Government Dental College and Hospital, St George Hospital, Mumbai. He has been practising independently at his clinic in Mumbai since 1983.His patients range from celebrities to slum dwellers.... more
Asked by Anonymous - Jun 11, 2024Hindi
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Health

Hi.. My daughter (aged 16) has been recommended invisalign treatment to correct her teeth alignment. What is the average cost of this treatment ?

Ans: Hello
The cost of treatment ranges from ?150000 to ?350000. The exact estimate can be given by a trained dental professional after a careful clinical evaluation. Please note that "Invisalign" is a brand. There are other brands of aligners and the cost of treatment may vary across brands
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Ramalingam

Ramalingam Kalirajan  |8365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 02, 2024

Asked by Anonymous - Jun 20, 2024Hindi
Money
Hi , my daughter wands to be a surgeon gynaecologist .currently I can commit only 30k a month towards mf and she’s 14. I have already started since 2 years but what should be my minimum monthly commitment for her to reach her goal ?
Ans: let's dive into this with a structured plan. I'll cover everything you need to know to ensure your daughter achieves her goal of becoming a surgeon gynaecologist, even with a Rs 30,000 monthly investment. Here's a thorough guide to help you understand how to maximize your investments and plan effectively.

Understanding the Goal
First, it's wonderful to hear about your daughter's ambition. Becoming a surgeon gynaecologist is a noble and highly rewarding career. It requires extensive education and training. Given she's 14, you have about four years until she enters college, and then several years of medical education after that. Let's outline the financial planning needed to support this journey.

The Cost of Medical Education
Medical education in India can be quite expensive. The costs can range significantly depending on whether she attends a government or private college.

Undergraduate Medical Education (MBBS): The cost can range from Rs 10 lakh to Rs 1 crore for the entire course. Government colleges are cheaper, while private institutions are on the higher end.

Postgraduate Education (MD/MS): This can add another Rs 20 lakh to Rs 50 lakh, depending on the specialization and the institution.

Additional Costs: This includes entrance exam preparations, books, equipment, and living expenses.

Investment Strategy: Mutual Funds
Mutual funds are an excellent way to grow your savings. They provide diversification, professional management, and the potential for high returns. Here’s how to approach investing in mutual funds to meet your financial goals.

Types of Mutual Funds
Equity Mutual Funds: These invest in stocks and have the potential for high returns. They are suitable for long-term goals, such as your daughter's education.

Debt Mutual Funds: These invest in fixed-income securities like bonds. They are safer but offer lower returns compared to equity funds. They can be used for short-term goals or to balance your portfolio.

Hybrid Mutual Funds: These funds invest in both equities and debt, providing a balanced approach. They offer moderate returns with reduced risk.

Advantages of Mutual Funds
Diversification: Mutual funds invest in a variety of assets, reducing the risk associated with investing in a single asset.

Professional Management: Fund managers with expertise in the financial market manage mutual funds.

Compounding: Reinvesting your returns allows your money to grow exponentially over time.

Liquidity: Mutual funds are generally liquid, meaning you can easily convert them to cash if needed.

Assessing Your Current Investment
You've already been investing Rs 30,000 per month for the past two years. That’s a great start! Let’s assess how this contributes to your goal.

Power of Compounding
The key benefit of mutual funds is the power of compounding. The earlier you start, the more your money grows. Since you have started early, your investments will benefit significantly from compounding.

Regular Review and Adjustment
It's crucial to review your investment portfolio regularly. Make adjustments based on market conditions, your financial goals, and changes in your personal circumstances.

Estimating the Required Investment
To support your daughter's education, you'll need to ensure that your investments grow adequately. Here’s how you can estimate the required monthly investment:

Future Education Costs: Estimate the future cost of education considering inflation. Education costs tend to rise by about 10-12% annually.

Current Savings and Investments: Assess your current savings, including your mutual fund investments and any other savings.

Expected Returns: Estimate the returns on your mutual fund investments. Equity mutual funds typically offer returns of 12-15% per annum over the long term.

Shortfall and Monthly Investment: Calculate the shortfall between your current savings and the future education costs. Based on this, determine the additional monthly investment required.

Risk Management
Investing in mutual funds involves some risk. Here’s how to manage it effectively:

Diversify Your Investments: Don't put all your money in one type of fund. Spread it across equity, debt, and hybrid funds.

Regular Monitoring: Keep an eye on the performance of your funds. Make changes if a fund consistently underperforms.

Professional Advice: Consult a Certified Financial Planner to help you make informed decisions.

SIPs: Systematic Investment Plans
Systematic Investment Plans (SIPs) are a great way to invest in mutual funds. They allow you to invest a fixed amount regularly, making it easier to manage your finances.

Consistency: SIPs encourage regular investment, which is crucial for long-term wealth creation.

Rupee Cost Averaging: SIPs average out the cost of your investments by buying more units when prices are low and fewer units when prices are high.

Discipline: SIPs instill a disciplined approach to investing, helping you stay committed to your financial goals.

Active vs Passive Funds
Active funds are managed by professionals who make decisions about where to invest the fund's money. They aim to outperform the market.

Benefits of Active Funds: They have the potential for higher returns compared to index funds. Fund managers actively select stocks that they believe will perform well.

Disadvantages of Index Funds: Index funds simply mimic a market index. They do not have the potential to outperform the market and might not provide the best returns for long-term goals.

Importance of Professional Guidance
While you can manage your investments on your own, seeking advice from a Certified Financial Planner can be very beneficial.

Expertise: Certified Financial Planners have the expertise to guide you through complex financial decisions.

Tailored Advice: They can provide personalized advice based on your financial situation and goals.

Holistic Planning: They look at your overall financial picture, including insurance, retirement planning, and tax planning.

Reviewing Your Insurance
If you hold LIC, ULIP, or investment-cum-insurance policies, consider their effectiveness.

Surrender and Reinvest: If these policies are not performing well, it may be wise to surrender them and reinvest the funds in mutual funds.

Insurance and Investment Separation: It's often better to keep insurance and investment separate. Term insurance provides adequate coverage, while mutual funds offer better returns on investments.

Final Insights
Planning for your daughter's education is a significant responsibility. By starting early and investing wisely, you can ensure she has the financial support she needs to achieve her dreams.

Start Early: The earlier you start, the better. Compounding works best over the long term.

Stay Consistent: Regular investments through SIPs help in building a substantial corpus over time.

Diversify: Spread your investments across different types of mutual funds to manage risk.

Seek Professional Help: A Certified Financial Planner can provide valuable guidance and help you make informed decisions.

Review Regularly: Keep an eye on your investments and make adjustments as needed.

With careful planning and disciplined investing, you can ensure a bright future for your daughter. Remember, every small step you take today will contribute to her success tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Archana

Archana Deshpande  |111 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 14, 2025

Asked by Anonymous - Apr 22, 2025
Career
I have always taken pride for being an empathetic and approachable leader at work. Over the years, my team members have confided in me about their personal losses, burnout, even interpersonal conflicts within the team. While I am glad that they trust me, I have also noticed that my tendency to take on their emotional weight sometimes clouds my judgment when it comes to managing performance issues. In one instance, I gave extended flexibility to someone underperforming due to personal stress, and it affected the team's morale. Do you think being a compassionate leader can affect my accountability? I feel they might be taking me for granted.
Ans: Hi!!
It is extremely important to have empathy and approachability as qualities in a leader. You have them so congratulations!!

As a leader it is important for you maintain a safe distance too , so that people don't take you for granted and that your judgement is not clouded.

You need to tell people that everyone has personal problems, so the only way forward is to shut them out when they come to work and perform to the best of their abilities.

You really can't quote one incident and draw conclusions here, you might have made a mistake as regards to this team member you are mentioning, it's ok , you are human. Forgive yourself and move on.
You need to find a balance between empathy and accountability...it's a tough job to be a leader, and a compassionate one that too. Apply the concept of "different strokes to different people at different times". Set boundaries, take care of yourself and your time. You must take care of your emotional well being too, you can't allow everyone to dump their baggage on you.

Take every experience as an experience to make you wiser, have a discerning eye and know when to put your foot down and when you need your inherent compassionate quality.

Enjoy being a leader...you really can make a difference in people's lives, but at the same time you have to take care of yourself.

All the very best...

...Read more

Nayagam P

Nayagam P P  |4517 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Asked by Anonymous - May 07, 2025
Career
Which best colleges can i get with 181080 rank in jee mains for cse which has high ROI
Ans: Here are some steps you can follow to find out which NIT, IIIT, or GFTI you will receive. ROI is dependent on your ability to build a profile, improve your skills, and conduct research on the job market environment over the next four years.

Please note, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4517 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Career
My jee mains percentile is 87 general 2025 can I get any good college female
Ans: Anuska, being a female, you might get. However, have some more back-ups by applying to some other colleges also with your JEE Main Rank, instead of relying only on JEE.

Please note, providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4517 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Career
Jee mains crl rank 321133 and gen ews 45472 which college and which branch can I get?
Ans: Adi, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4517 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Archana

Archana Deshpande  |111 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 14, 2025

Asked by Anonymous - Apr 22, 2025
Career
I am 32 and I have been working really hard to build my career. I love what I do, and I've invested a lot of time and energy to grow in my role. But somehow, at work, especially during informal conversations, people often ask me questions like, 'When are you planning to settle down?' or 'Any baby plans on the horizon?' or even worse, 'You should start thinking about family before it's too late.' Sometimes these are casual remarks during lunch breaks, after meetings when the tone turns casual. Surprisingly, it's not always from older colleagues. Even people my age do it. It's personally frustrating because the underlying message seems to be: Your career is fine for now, but surely you will slow down or quit once you get married or have kids, right? It feels like no matter how well I perform or how passionate I am about my work, there's always this unspoken assumption that it's all temporary. I don't want to snap or sound defensive because that often backfires. At the same time, I also don't want to smile politely and let these questions continue. I want to protect my boundaries while still being professional and graceful.
Ans: Hi!!

To be in a position where you are today and say, ' I love what I do', is simply stupendous, congratulations!

In the context of you being 32 and still unmarried will definitely get you the comments that you are receiving... and like you said they are happening informally casually... so just treat them that way, casually... answer them, don't avoid them or don't show annoyance. Just answer them with a ,"not happening anytime soon, ask me after 02 years", or any other casual remark you deem fit.

I can understand the frustration...forget about what other people are trying to imply etc , they are just casual remarks and take them that way.
"I don't want to snap or sound defensive because that often backfires", this is your remark I am requoting, don't give too much importance to it, if you are sure of what you want in life, you don't have to explain anything to others, it is none of their business any way, just shrug your shoulders and move on! You can't change people...
Also I would like to state, that it is ok to take a break when you marry or have a child after marriage... it is so normal, and thankfully you are in an era where these are recognized as important milestones in life and a women after a break is welcomed back with open arms by the same organizations. With your kind of credentials I don't think you'll ever have any problem getting back to work after a break.

Wishing that you make peace with yourself and the world around you...work is just one part of life. Take care of yourself and all the very best!!

...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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