Why does my back hurt even after sleeping for 7 to 8 hours? Could it be my posture? I'm suffering from mild but persistent lower back pain that doesn't go away even after a good night's sleep. Actually I don't work out, but I sit for long hours at my desk. Could this be muscle weakness or a spine issue? What exercises or physiotherapy approach can fix this? Please help

Ans: Both are good. Prefer DAIICT-G-ICT. All the BEST for Your Prosperous Future!

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Ans: Yes, it is safe and valid to do an NIOS additional exam for university and jobs. All the BEST for Your Prosperous Future!

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Ans: Yes, you're eligible for JEE Main 2027. Pass Class 12 in 2025 with 75%+ (Gen) or top 20 percentile to qualify for NITs/IIITs admissions. 2024 failure doesn't block exam attempts. All the BEST for Your Prosperous Future!

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Ans: You can apply to NIT-Puducherry, NIT-Kottayam, or IIIT-Sricity, no matter what branch you want to study, because the percentile is a little low. Fill out as many options as you can in JoSAA counseling, but make them somewhat realistic. Instead of just relying on JoSAA/JEE, you should apply to or register for 3–4 more private engineering colleges in the South, like VIT, Amrita, NITTE Meenakshi, Sastra SNU, PES, and others. All the BEST for Your Son's Prosperous Future!

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Ans: Dhurv, With a 97.56 percentile (about a CRL of 25,000–35,000), you should try to get into YMCA UST Faridabad CSE through the Haryana HS quota in HSTES counseling. The closing ranks for JoSAA 2025 HS CSE were between 45,000 and 52,000 (easy fit), and for 2024 they were the same at 52k. There probably won't be any NIT CSE (opening and closing ranks for OS quotas range from 5,000 to 20,000). You could also try for lower or mid-level NITs or IIITs CSE. The top NIT CSE is below the 10k–12k rank, while your range fits newer NITs and IIITs. Use the home-state quota (Haryana) to improve your chances, and in JoSAA, fill out as many choices as you can in a smart way. Instead of just relying on JoSAA, it's a good idea to have 2 to 3 backup choices of private engineering colleges for the CSE branch. All the BEST for Your Prosperous Future!

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Ans: Your query has already been replied to 2 times. Please copy and paste the following link into your browser to read it.
https://gurus.rediff.com/question/qdtl/career/really-clarify-pcb-student-cbse-then-passed-math-exam-through/5250256

Ans: Dear Anonymous,
A marriage of 15 years, a child, responsibilities, household chores can lead a couple to a place where they start taking each other for granted. And when that happens and there's no respect for emotional closeness anymore, where is the room for touch, feel and sex?
Rather than focusing on your sex life, shift your lens to build that emotional closeness that is lost and you will see the spark coming alive slowly but surely...
It's not too late or funny to go out on date nights or a holiday together...less talk more doing instead...small gestures like these can help bring back that closeness and love that has faded.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Obviously, what is not seen can only be imagined and your husband is imagining a story that is filled with doubt and suspicion.
One way that you can ease this:
- call your neighbor home for a light chat when your husband is at home
Let your husband see for himself what actually is the real deal...as you do this, I would also suggest that you reflect on why there is so much insecurity in your husband...what makes him have these suspicions?
Today, you are in a position to actually ease his doubts, but if this becomes a habit, it is just fueling his behavior even more and there maybe a time in the future when there will be no way in which you can prove your innocence, what then?

So, this one time to maintain peace at home, do this BUT please work on trust issues within the marriage; it can be a deal breaker...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: You are asking a very thoughtful question. Checking portfolio overlap shows you are focusing on quality diversification. This is an important step in building a strong mutual fund portfolio.

» What Portfolio Overlap Means

Portfolio overlap shows how many stocks are common between two funds
Large cap funds often hold same top companies
Stocks like large private banks, IT companies and energy companies appear in many funds
So some overlap is normal and unavoidable

Overlap is not always bad. Excessive overlap reduces diversification.

» Why Large Cap Funds Show High Overlap

Large cap universe is limited
Most funds invest in top 50 or 100 companies
Fund managers prefer stable leaders
Therefore same stocks appear repeatedly
Hence large cap funds naturally show higher overlap

So high overlap in large cap category is common.

» General Acceptable Range Of Overlap

Below 30 percent – Very good diversification
30 to 50 percent – Acceptable and manageable
50 to 60 percent – Slightly high, review required
Above 60 percent – Too high, avoid holding both

This is a practical guideline, not a strict rule.

» Your Example Assessment

Two large cap funds usually show high overlap
Both invest in same top companies
Holding two similar large cap funds adds limited value
It increases duplication without improving diversification

Better to keep only one strong large cap fund.

» When High Overlap Is Still Acceptable

If investment styles are different
If one fund is more concentrated
If performance consistency is strong
If risk management differs

But in most cases, two large cap funds behave similarly.

» Better Portfolio Structure

Keep only one large cap fund
Add one flexi-cap or multi-cap fund
Add one mid-cap fund for growth
This reduces duplication
Improves diversification naturally

This structure is more efficient.

» What To Avoid

Holding multiple funds from same category
Selecting funds only based on past returns
Ignoring overlap completely
Frequently switching funds

Portfolio simplicity improves results.

» Finally
Some overlap is normal, especially in large cap funds. But when overlap crosses around 50 percent, it reduces diversification benefit. Instead of holding multiple similar funds, keeping fewer well-chosen funds gives better balance and clarity.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/