Hi, I am 38 years old and investing 10k per month in SIP's for the past 2 years. The funds include 1. Aditya Birla Sun Life Digital India Fund-1.5K 2. Bandhan Tax Advantage Fund-1K 3. Canara Robecco ELSS Tax Saver-1K 4. DSP ELSS Tax Saver-1K 5. ICICI Prudential Technology Fund-2K 6. Mirae Asset ELSS Tax Saver Fund-2K 7. Nippon India Small Cap Fund-1.5K I want to increase monthly SIP to 15k from April onwards. Let me know if the current portfolio is fine. Should I increase my contribution in the existing funds, or should I look out for newer ones

Ans: Hello Sanjay Ji
Below is my advice, please check if you find it helpful
Create a Structured Study Plan
Daily Routine: Ensure he follows a well-planned timetable covering all three subjects—Biology, Physics, and Chemistry—every day.

Balance Coaching & Self-Study: Coaching provides guidance, but self-study is where actual learning happens. He should revise daily what was taught in class.

Fixed Study Hours: At least 6-8 hours of effective self-study beyond coaching hours.

Subject-Wise Strategy

Biology (50% weightage, high-scoring)
NCERT is key—revise line by line.
Make short notes for revision.
Diagrams & flowcharts for quick recall.
Solve MCQs from previous years and coaching materials.

Chemistry
Physical: Focus on formulas and problem-solving techniques.
Inorganic: Memorization is essential—use mnemonics and charts.
Organic: Understand reaction mechanisms, practice conversions, and focus on named reactions.

Physics
Strengthen concepts—don’t just memorize formulas.
Derivations help in understanding applications.
Solve numerical problems daily, especially from HC Verma, DC Pandey, or coaching materials.
Work on previous years’ NEET Physics questions.

Practice & Revision
Regular Tests: Take topic-wise, chapter-wise, and full-length mock tests.
Time Management: Solve NEET papers within 3 hours to simulate exam conditions.
Error Analysis: After every test, analyze mistakes and avoid repeating them.
Revision Strategy: Use the Feynman technique—explain concepts to yourself or someone else.

Mental & Physical Well-being
Avoid Burnout: Take short breaks
Healthy Lifestyle: Proper sleep (6-8 hours), exercise, and a balanced diet.
Stay Motivated: Have a vision board of goals, track progress, and maintain a positive mindset.

Hope you find this helpful.

Ans: Hi,
It depends on your son's interests and career goals. Here’s a breakdown of both options:

1. Core CSE (Computer Science and Engineering)
Covers fundamental CS concepts like algorithms, data structures, databases, operating systems, networking, and software engineering.

Provides flexibility to explore multiple domains like AI, cybersecurity, data science, or software development.

Good for students who want to keep their career options open in CS-related fields.

Generally preferred by top companies as it provides a strong foundation.

2. CSE with Specialization (AI, Data Science, Cybersecurity, IoT, etc.)
Focuses on a specific field within CSE.

May be beneficial if your son is already interested in a particular domain.

Some specializations (like AI & ML, Data Science) are in high demand.

However, it might limit flexibility if he wants to explore other areas later.

Which is Better?
If he is unsure about his exact interest, Core CSE is the safest choice as it allows exploration of different areas.

If he has a strong inclination toward AI/ML, cybersecurity, or data science, then a specialized CSE course can be beneficial.

Core CSE students can still learn specialized fields through electives, projects, or online courses.

If he is targeting top IITs, NITs, or IIITs, CSE (core) is usually the most preferred choice because of its flexibility and strong placement opportunities.

Ans: Hi
Achieving a 97.8284223 percentile in JEE Main 2025 places you in a competitive position within the EWS category.
While the exact rank corresponding to your percentile can vary annually due to factors like exam difficulty and candidate performance, a 97.8284223 percentile typically translates to an approximate rank between 23K and 29k.

Given this estimated rank, securing admission to CSE in top NITs like Trichy, Surathkal, Warangal, and Calicut may be challenging, as their closing ranks for the EWS category are generally below 3,000. However, NITs such as NIT Delhi, VNIT Nagpur, and NIT Jaipur have had higher closing ranks, suggesting a more favorable chance for admission.?

Please note that these observations are based on previous years' data, and actual cutoffs can vary each year. It's advisable to participate in the counseling process of JOSAA & CSAB and consider multiple NITs to maximize your admission prospects.

Ans: As an ST category candidate, your eligibility for JEE Advanced depends on the qualifying cutoff percentile for your category. Based on previous years' trends, the cutoff percentile for ST candidates has ranged between 37 to 48 percentile.

Regarding your approximate category rank, a 65 percentile score typically corresponds to a general rank between 169,542 and 92,303. However, the exact ST category rank can vary each year based on the number of test-takers and their performance. Considering that in the previous year, a 64 percentile resulted in an ST category rank around 11,000, your rank this year should be in a similar range.

to be eligible for JEE Advanced, candidates must be among the top 2,50,000 qualifiers in JEE Main. Given your percentile and the expected qualifying cutoff for the ST category, it is reasonable to assume that you fall within this range.?

Additionally, you must have passed your Class XII examination with at least 65% aggregate marks or be within the top 20 percentile of your board's successful candidates.

Ans: hi as you have withdrawn your pf after resignation, then your PF account is already closed and you will not get any interest. another point of interest if your invested post 98 - As per rules all accounts active or inactive will get interest untill the age of investor is upto 58 years, post that interest will not due on accounts become inoperative after 3 years of last investment received in the account.
in your case you have withdrawn the pf balance means account is closed.

Ans: Hi
Between BIT Mesra CSE and NIT Raipur CSE, here’s a comparison based on key factors:

1. Academics & Reputation:
BIT Mesra has a strong reputation for CSE, with a well-structured curriculum and good faculty.

NIT Raipur is an NIT, which holds a national-level prestige, but its CSE department is not as highly ranked as top-tier NITs.

2. Placements:
BIT Mesra CSE has excellent placements, with higher average and median packages compared to NIT Raipur. Top companies like Google, Amazon, Microsoft, and Goldman Sachs visit the campus. The average package is around 18–20 LPA, and the highest goes above 50 LPA.

NIT Raipur CSE has decent placements, but the average package (8–10 LPA) is lower compared to BIT Mesra.

3. Campus & Infrastructure:
BIT Mesra has a better campus, labs, and infrastructure compared to NIT Raipur.

NIT Raipur is improving, but its facilities are still developing.

4. Alumni Network & Brand Value:
BIT Mesra has a strong alumni network with good industry connections, especially in tech.

NIT Raipur, being an NIT, offers the NIT tag, which helps for government job preferences but isn’t as strong in CSE placements compared to BIT Mesra.

5. Coding Culture & Competitions:
BIT Mesra has an excellent coding culture, with students excelling in ICPC and open-source projects.

NIT Raipur has an average coding culture, but motivated students can still do well.

Final Verdict:
Choose BIT Mesra CSE if your priority is better placements, infrastructure, and coding culture.
Choose NIT Raipur CSE if you strongly prefer the NIT tag and government job advantages.

Ans: Dear solar,
In sab ke beech, aapke girlfriend ka kya kehna hai? Woh aapne bataaya nahin. Kya woh apne parents ko tall sakegi aur kitni der kar paayegi? Kya woh aapke jon lagne tak intezzar karna chahti hai? Aisa lag raha hai ki is rishte ka wazan aap leke ghoom rake ho...thoda apne girlfriend ke saath baithkar plan kijiye taaki woh bhi aapke saath is samasya ka hal dhoond sake.
Ek baat toh hai ki uske parents ko manaana mushkil hoga aur jab tak aapki job nahin lagti woh is rishte ke liye raazi nahin honge. Toh plan yeh karna ki jab tak aapki naukri lage, tab tak aap dono is baat ko aur is samasaya ko aur uske parents ko kaise sambhalenge. Joh bhi ho saath mein milke plan karna.

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,
Forget everyone... Marriage is between two people and only they matter. You can't see your wife in pain, right? Then there's obviously affection still left for her. Work this out as a couple. Take a vacation away from in-laws, sister, parents...people can complicate matters more than the couple themselves...The two of you do need this time by yourselves to rebuild your marriage. Do it with an intention to work things out and you maybe surprised as to how things can get rebuilt between the two of you.

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,
Kindly go for an intervention to a Marriage Therapist who can help you and your wife pull back the strings and work things together. Obviously she's not playing fair when she has begun to blackmail you; the only way to bring things out will be to work with an external person and see where things lead...

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