Hi I am 47 years old. Married but no kids . Me and my wife combined annual income is 70 lacs . We have our own house in gurgaon whose current value is aprox 6 cr . We dont have any kind of loan on us . Currently our savings are as follows 1.65 cr invested in lic jeevan shanti and jeevan akshay from which Currently we are earning 8 lacs / year and by 2028 it will increase to 14 lacs / year till whole life . We have invested in hdfc sanchay plus also , from their we will get 16 lacs / anum starting from 2029 till next 25 years . Joint Ppf corpus is currently 80 lacs , will continue to invest 3 lacs / year for next 15 years My wifes epf vpf current corpus is aprox 20 lacs , currently she is contributing 2.5 lacs / year in that and will continue to do so till next 10 years Emergency fund of 20 lacs in form of auto sweep fd in saving account Equity investment currently Nps tier 2 ( 100 % equity - 55lacs ) Miare asset small cap etf - 5 lacs Nippon nifty bees etf - 5 lacs Planning to invest 30 lacs / year for next 5- 7 years in above equity options . Our current yearly expenses are neary 18 / 20 lacs We have medical insurance cover of 30 lacs And a term insurance of 1.5 cr and 1 cr respectively Pls suggest that are we on right track for a comfortable retirement at around 55 years Considering life expectency of 80 years and inflation. What should be our SWP and from which investments ( as mentioned above ) and how much this withdrawal can be increased per year to adjust the inflation and maintain our current lifestyle. Also i would like to know that whether shifting all the corpus from tier 2 to tier 1 at the age of 59 will be a wise decision in my case as 60 % withdrawal at age 60 from tier 1 will be tax free which can be withdrawn thru swp . Balance 40 corpus amount will generate annuity which only will be taxable.

Ans: NCL, very slim chance

Ans: No, being in central list is applicable to all states

Ans: Poonam, BHU, JMI & GGSIPU are the best options with Strong Alumni Network & Good Placements. All the best for your admissions!

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Ans: Pradeep Sir, Graphic design offers numerous career opportunities in advertising, branding, publishing, digital media, gaming, and animation. A Bachelor's Degree in Design (B.Des) in Graphic Design or Communication Design is a 4-year degree that provides in-depth knowledge of graphic design, typography, branding, and digital design. Top colleges offering B.Des include National Institute of Design (NID), MIT Institute of Design, Symbiosis Institute of Design, Srishti Institute of Art, Design and Technology, UPES School of Design, and Anant National University. A Bachelor's Degree in Fine Arts (BFA) in Applied Arts or Graphic Design is a 3-4 year course focusing on artistic skills along with graphic design. Diploma courses in Graphic Design are also available, such as MAAC, Arena Animation, Pearl Academy, and National Institute of Fashion Technology. Online graphic design courses can be a flexible option for flexibility. After completing studies, graphic designers can work in advertising agencies, branding and marketing firms, digital media and social media companies, e-commerce and IT companies, publishing and print media, gaming and animation (2D graphic designer), and freelance. IMPORTANT NOTE: As already March has started, it is advisable to apply for 3-4 entrance exams of concerned Colleges and also UCEED, NID-DAT, SEED, MIT-DAT, SEAT, NIFT, Pearl Academy etc. If your son wants to study in top government institutes, he should prepare for UCEED or NID DAT.
If he prefers top private design colleges, exams like SEED, MIT DAT, SEAT, UPES DAT, and Pearl Academy are good choices.
If he is open to fine arts-based programs, NIFT and BFA Applied Arts exams (like MH-AAC CET for J.J. Institute of Applied Art, Mumbai) are also good options. All the best for your Son's admissions, Pradeep Sir!

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Ans: Tarunima Madam, It's great that your daughter is interested in pursuing a design career in the IT field.

The IT field, also known as UI/UX Design, Interaction Design, or Digital Product Design, offers excellent career prospects due to the growing demand for user-friendly digital products. Companies are actively seeking skilled designers who can create intuitive and aesthetically pleasing digital interfaces. The demand for UX/UI designers, product designers, and interaction designers is growing globally, with diverse opportunities in tech companies, startups, e-commerce platforms, banking & fintech, healthcare, and gaming. Top UI/UX designers in India and abroad earn competitive salaries, with entry-level packages ranging between ?6-12 LPA in top companies. This field also allows for freelance work and global job opportunities.

The demand for innovative designers will continue to grow with the rise of AI, AR/VR, and Web3 technologies. Top institutes in India for UI/UX & Interaction Design include the National Institute of Design (NID), Indian Institute of Technology (IIT), IIT Guwahati, IIT Jabalpur, MIT Institute of Design, Sristi Institute of Art, Design and Technology, UPES, ISDI, Symbiosis Institute of Design, and Anant National University.

If you can afford and if your daughter is interested in studying abroad, globally renowned schools for UI/UX design include Carnegie Mellon University, Rhode Island School of Design, Parsons School of Design, Royal College of Art, University of Arts London, and TU Delft. Pursuing a career in IT-related design is a smart choice with excellent career growth. All the best for your daughter's admissions!

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Ans: Hello dear.
Sad to hear that you got a 000 in Physics at NIOS. If your exam was good and you have submitted the paper properly, then please contact the authorized center of NIOS and apply for revaluation. Every board allows the process of revaluation. If everything goes correctly, then you have to reappear for the examination.

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Radheshyam

Ans: Hello Vijaykumar
You can get admission to at least one NITs under the SC category.

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Ans: Hello Varsha.
Here are some colleges in which you may get admission: (1) Netaji Subhas University of Technology (NSUT) (2) Indira Gandhi Delhi Technical University for Women (IGDTUW) (3) Delhi Technological University (DTU).
These universities have historically had varying cutoffs, and your OBC status combined with the home state quota may enhance your chances. Best of luck to your upcoming future.
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Radheshyam

Ans: Shashi Sir,

How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

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