Hi Health Gurus-I'm 59 years old and a freelance Tax Consultant...I have a lot of muscle pain(especially legs).Neck and back also hurt a lot.Is it due to eye strain,and almost 4-5 hours of sitting in front of the system.I got diabetes recently(130-fasting,200-PPBS)and had tennis elbow(sorted now)and have stopped going out for Audits after Covid..Please advise way forwards and life style changes...

Ans: Yes,

Ans: Both, Engineering is pure applied science, Architecture requires more creativity.

Ans: Home state NIT, CSE, EC, Mech

Ans: Hello;

What is the financial goal for which this investment is proposed?

Also please confirm time horizon and your risk appetite?

You certainly don't need 9 funds for 20 K sip

Please clarify on the above queries so as to guide you suitably.

Thanks;

Ans: Hello;

You have a right to seek explanation from your lender regarding principal repayment and interest payment through EMIs across the loan tenure.

Irrespective of the repo rate movement, it is financially prudent to repay the outstanding home loan in totality as you are relatively closer to retirement (10 yrs).

This will give you freedom to save more towards retirement and other goals.

Best wishes;

Ans: Hello Seelam
The probability of getting a seat for CSE is there but in tier 2 NITs but surely in IIITs. Keep a close eye on the counseling process of JOSAA. Thanks
Follow me, if you like the reply.
Radheshyam

Ans: Dear Anonymous,
It depends on how important religion is to you and your family. If you think it can cause a lot of problems later, if and when you both tell your parents about your relationship, then I would suggest avoiding this. He might love you now, but would he be able to stand up to his family when the time comes? Ask him that and think about it yourself as well before making any decision.
Best Wishes.

Ans: Dear Anonymous,
I am sorry you are standing in such a tricky situation. First of all, I want to know if you have a job? If yes, would two people's salaries together provide a comfortable life? If not, do you think his salary alone will cut it in this economy?
I want you to ask yourself the same questions. If you do not have a job yet, I would urge you to try for one. Financial independence is extremely important, especially for women. Now, I cannot comment on the caste thing, because the seriousness of that differs from family to family, but if it is earning that is bothering your parents, you can wait a bit and aim for a higher-salaried job and pitch in the same idea. Or at least, show your parents that you and your parents are willing to put in the work. Their concerns about income are not completely baseless, because once life becomes uncomfortable, love can take a backseat. Focus on building a better career and then get married. Do this for yourself, and not just for your parents.
Hope this helps

Ans: Hello;

EPS is NOT deducted from VPF contribution.

Best wishes;