Senior with Severe Jaw Pain After 2020 RCT: Seeking Advice

Ans: Dear I was surprised to know that a student like you , having done B.Tech in 2021 , well versed and proficient in Java , C.C++ , .Net etc is not placed in any good company. I don't from which place , you are reaching us but being offered such a low salary or stipend, you must have tried to start your own website designing or hoisting company or should have taken the help of any good placement consultant to get right break.

Ans: Dear , CSE is a good stream where most of students having impressive track records get placed in top IT companies and many of them ,even jump to Top ranked IT companies like Google, Yahoo, Oracle , Microsoft etc at very high packages. It has great future and one shuold join CSE from any reputed college to get right placement support.

Ans: To pay off your father’s home loan of ?35 lakhs as early as possible and minimize interest, there are several strategies you can adopt. One effective method is to make regular prepayments. By paying extra whenever possible, like using bonuses, savings, or any lump-sum income, you can reduce the principal amount. This, in turn, reduces the interest, which is calculated on the outstanding principal. It's best to make prepayments in the early years of the loan tenure when the interest portion is higher. Many banks allow prepayment without penalties, so take advantage of that flexibility.
Another approach is to increase the monthly EMI (Equated Monthly Installment). If your financial situation allows, even a small increase in EMI can significantly shorten the loan term and reduce the overall interest paid. For example, increasing your EMI by ?5,000-10,000 per month can make a big difference over time. You can use online EMI calculators to see how changes in EMI or making lump-sum prepayments can affect the loan tenure and interest burden.
Additionally, you can consider refinancing the loan if you find a lender offering a lower interest rate. Refinancing can help reduce the EMI or enable you to pay off the loan faster with minimal interest. Keep an eye on interest Rate trends to check if it’s the right time to refinance by paying 0.5 to 1%.
Additionally, you can think of creating a sip for MF for a fraction of you loan and over long years of time you can create a fortune which can presume you have recovered the interest.
By adopting these strategies, you can help your father close the loan early and save significantly on interest payments, thereby achieving financial freedom sooner.
I share some templates within my community so that they can effectively check the saving.
Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: It is natural for parents to be worried about the future of their children. Sastra is a good institute and he can connect with the placement office and get all the details of the post grad courses and job opportunities after BCom. For now my advice would be for him to work hard to improve his grades in the 3rd year to 10. And once he has inputs from his placement team he can write to me again for study abroad by identifying programs, and checking out the eligibility criterion.

Ans: For me to guide you properly Do let me know which year of BSc you are studying currently, what are your subjects, from which college and University. And what was your score in Class XII.

Ans: Already answered. Christ-Kengeri is also good. All the BEST for Your Bright Future.

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Ans: If your daughter has plans for CA-Inter after her BCom, she will have to fully focus on it by joining any reputed coaching center. As far as CA, CS & ICWAI are concerned, smart study is more important by following well-planned preparation strategies. First of all, students should be thorough with the Study Materials provided by ICAI. Also, they should keep themselves updated with amendments to various laws, related to both groups of Inter. Can try for maximum 2 attempts for each Group to clear. NOT beyond. Or your daughter can pursue an MBA in Finance or any other specialization she is interested in it. However, please make sure that she joins MBA with any reputed college which has good placement records. If decided for MBA, it is advisable to prepare well for the Entrance Exams from now. All the BEST for Your Daughter's Bright Future.

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Ans: its a long term story - 5yrs

Ans: the first holder can contact registrar, in Reliance case its K-Fintech