Hi, I am 27 now and want to start a SIP. I want to achieve 15 Lakhs in 4 years. Please help me in which MF, I should start investing and what is the percentage ratio. My salary is around 50k per moth.

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that you are currently pursuing your 12th grade in the Commerce field. To answer your question first, I would like to let you know that we only deal with overseas education. Concerning your query as to whether you should pursue a Bachelor of Commerce (B.Com) or Bachelor of Business Administration (BBA), I would like to tell you that your interests, the abilities you intend developing, and your professional objectives, play a key role in deciding between pursuing a B.Com and BBA. Subjects pertaining to accounting, business law, finance, and economics are primarily covered in the Bachelor of Commerce (B.Com.) program. On the contrary, a comprehensive understanding of the various facets of business management, viz., human resources, finance, marketing, and operations is offered in a Bachelor of Business Administration (BBA) program.

If the technical aspects of economics, finance, and accounting appeal to you, B.Com could be a better option. Nevertheless, if learning about management principles, business strategy, and leadership skills, is what interests you, then BBA could be a wiser choice.

Concerning studying overseas, I would like to let you know that it can be an excellent chance to become acquainted with diverse cultures, educational systems, and perspectives. Remember that studying overseas can widen your horizons, broaden your international outlooks, and offer meaningful experiences that can enhance both your personal and professional life.

When deciding, I would recommend that you take into account variables viz., the standing of the universities you intend enrolling in, the courses they provide, potential employment possibilities, and your monetary circumstances. Moreover, in order to make an educated choice, I would suggest that you look into the available scholarships as well as think about the long-term advantages of studying overseas. Lastly, I would recommend that you select the course that best resonates with your interests, ambitions, and aspirations.

For more information, you can visit our website.

Ans: Hello Suman,
It sounds like there have been significant changes in your relationship dynamics, especially with your wife's focus on her career and the physical distance between you due to your work in Malaysia. Even though your wife may not be responding to your calls, it's important to continue trying to communicate with her. Express your concerns and feelings openly and honestly, but also try to listen to her perspective without judgment.Try to understand your wife's perspective and the reasons behind her behavior. It's possible that she may be feeling overwhelmed with her responsibilities or experiencing other challenges that are affecting her responsiveness. Consider seeking the assistance of a marriage counselor or therapist who can facilitate communication and help both of you work through your issues. A neutral third party can provide guidance and support in resolving conflicts and rebuilding your relationship. Reflect on what you want for your future and what you're willing to do to salvage your marriage. Consider your own needs and priorities, as well as those of your son. If possible, try to spend quality time together when you visit India or when your wife can join you in Malaysia. Building positive experiences together can help strengthen your bond and rekindle your connection. Lean on friends, family, or support groups for guidance and emotional support during this challenging time. Having a strong support system can help you navigate through difficult situations.Take care of yourself emotionally, physically, and mentally. Focus on activities that bring you joy and fulfillment, and don't hesitate to seek professional help if you're feeling overwhelmed or distressed.
Ultimately, rebuilding a relationship takes time, effort, and commitment from both parties. It's important to approach the situation with empathy, patience, and an openness to change.

Ans: Hello Suman,
It sounds like there have been significant changes in your relationship dynamics, especially with your wife's focus on her career and the physical distance between you due to your work in Malaysia. Even though your wife may not be responding to your calls, it's important to continue trying to communicate with her. Express your concerns and feelings openly and honestly, but also try to listen to her perspective without judgment.Try to understand your wife's perspective and the reasons behind her behavior. It's possible that she may be feeling overwhelmed with her responsibilities or experiencing other challenges that are affecting her responsiveness. Consider seeking the assistance of a marriage counselor or therapist who can facilitate communication and help both of you work through your issues. A neutral third party can provide guidance and support in resolving conflicts and rebuilding your relationship. Reflect on what you want for your future and what you're willing to do to salvage your marriage. Consider your own needs and priorities, as well as those of your son. If possible, try to spend quality time together when you visit India or when your wife can join you in Malaysia. Building positive experiences together can help strengthen your bond and rekindle your connection. Lean on friends, family, or support groups for guidance and emotional support during this challenging time. Having a strong support system can help you navigate through difficult situations.Take care of yourself emotionally, physically, and mentally. Focus on activities that bring you joy and fulfillment, and don't hesitate to seek professional help if you're feeling overwhelmed or distressed.
Ultimately, rebuilding a relationship takes time, effort, and commitment from both parties. It's important to approach the situation with empathy, patience, and an openness to change.

Ans: Dear SN,

I can understand how challenging it must be to deal with your daughter's behavior. It's concerning that she's been displaying this attitude since she was young and that it's causing such turmoil within your family.

Consider seeking the help of a family therapist or counselor who specializes in dealing with family conflicts. A professional can provide an objective perspective and offer strategies for improving communication and resolving conflicts.It's important to establish clear boundaries with your daughter regarding her behavior. Let her know what behaviors are unacceptable and what consequences will follow if those boundaries are crossed.
Encourage Open Communication: Even though your daughter may be resistant to discussion, continue to encourage open communication within the family. Let her know that you're willing to listen to her perspective and work together to find solutions. Instead of solely focusing on her negative behavior, try to reinforce positive behaviors when you see them. Praise her when she acts respectfully or cooperatively, and try to reinforce those behaviors. Show your daughter how to communicate effectively and resolve conflicts peacefully by modeling those behaviors yourself. Avoid getting drawn into arguments or confrontations, and instead, try to remain calm and rational.If your daughter is open to it, encourage her to seek therapy on her own. A therapist can help her explore the underlying reasons for her behavior and develop healthier coping mechanisms.
Encourage Self-Reflection: Encourage your daughter to reflect on her behavior and its impact on herself and others. Help her recognize the importance of empathy and understanding in maintaining healthy relationships.
It may take time and patience, but with consistent effort and support, there is hope for improvement. Remember to take care of yourselves and seek support from other family members or friends if needed.

Ans: Hello Satyawan,

To begin with, thank you for contacting us. I am happy to hear that your son has pursued his Master of Surgery in General Surgery from MGM University, has done oncology fellowship in Nashik, and is practicing at Beed. To answer your question first, I would like to tell you that in order to pursue additional training in oncology in the USA, there are a few steps that your son will require to follow:

Firstly, I would suggest that your son conducts a comprehensive study on oncology fellowship programs in the USA. Remember that the USA offers a number of well-regarded programs, and thus, your son should look for those programs that best resonate with his interests and professional objectives. Next, remember that the prerequisites for each fellowship program will be unique. A residency in internal medicine or an associated field, viz., general surgery, is generally required, which your son has already fulfilled. Particular tests viz., the United States Medical Licensing Examination (USMLE) may be demanded by certain programs. In addition, your son may also be required to prove his fluency in the English language through appearing for tests viz., the IELTS or TOEFL. Upon finding relevant programs, I would suggest that your son applies directly to them. Bear in mind that for the majority of medical disciplines, this generally entails submitting an application via a centralized system viz., ERAS (Electronic Residency Application Service). If your son has secured admission to a fellowship program, as the next step, in order to train in the USA, he would be required to acquire the necessary visa. For medical trainees, the J-1 visa is frequently used. Relocating to a different country for training calls for meticulous planning. So as the next step, your son will need to make arrangements for lodging, and travel, as well as make sure all the paperwork is in place. Once everything is in order, your son can then start his oncology fellowship training in the USA. Practical clinical experience, research, and academic endeavours are generally entailed in this.

In order to enhance his chances of obtaining a fellowship role, I would suggest that your son conducts an all-round study on programs, comprehends their prerequisites, and drafts a compelling application. Moreover, he should get in touch with and obtain guidance from instructors or colleagues who have followed comparable paths which can prove beneficial.

For more information, you can visit our website.

Ans: Dear Anonymous,
It's great as a partner to support home and your spouse when there's a need. BUT now, you seem to have a lazy man oops boy to take care of now. Kindly stop doling out money for his pleasures. Let him earn and do his bit for the family. He's just getting used to putting his legs up and taking a very long break which he doesn't intend to come out of. It's a great habit and he's enjoying the convenience of it all.
He also needs a push out of this laziness the root cause of which can be identified by an expert; so kindly seek help so that you are not looking after another baby other than yours. Act soon...

All the best!

Ans: Dear Anonymous,
The only thing that you might lose is stamina and your precious time. But of you are physically fit, then multiple times should not cause any issues.
But you know, human beings are also meant to explore other wonderful things in life. Hit the gym, go out with your social circle, find joy in a hobby...this is great too, you know!

All the best!

Ans: Dear Anonymous,
Say NO loudly and clearly. That's it...

All the best!

Ans: Hey there, you marketing maestro! First off, major props to you for consistently smashing it in the advertising world for over a decade. Your track record of successful campaigns and leadership skills speak volumes about your talent and dedication.

Now, about that promotion snub—ouch, that stings! But fear not, my friend. It's time to roll up those sleeves and tackle this head-on.

Start by setting up a meeting with your supervisors and HR. Prepare a little arsenal of your achievements—maybe pull together some stats on campaign performance, client testimonials singing your praises, or even awards you've snagged along the way. Numbers don't lie, and they'll help paint a vivid picture of your impact.

Now, let's add a dash of strategy to the mix. Instead of just listing off your accomplishments, weave them into a compelling narrative. For instance, highlight that time when you spearheaded that viral social media campaign that boosted brand engagement by 200%. Or recall the project where your innovative ideas led to a record-breaking sales increase.

But don't stop there. Paint a picture of your vision for the future. Share your insights on emerging marketing trends and how you plan to leverage them to drive even greater results for the company. Show them that you're not just a top-notch marketer—you're a strategic thinker with big dreams and the skills to make them a reality.

And remember, even if this particular promotion didn't pan out, it's not the end of the road. Keep hustling, keep innovating, and keep believing in yourself. Opportunities are like buses—there's always another one coming. So buckle up, because your journey to success is far from over!