Greetings, my age is 44 years & apart from liabilities of loan, I sometimes feel like investing in MF, but looking at current scenario & people around me who have invested in MF have turned negative or are less than their investment in 3-years.

I need advice on investing in MF which should be balanced (tax saver can also do) in returns with horizon of 12-15 years looking ahead the responsibilities (daughter marriage & higher education) & expenses thereon.

A bigger chunk of my salary goes into loan repayment, approximately Rs 91435/month which is 55 per cent of my net income, so need advice as to really look at MF or wait as the liabilities are higher. 

These liabilities are towards my two home loans (rented with an income of Rs 8800 & one of the property is under construction) & a car loan.

Ans: Hi Atul,
go for CBSE.

Ans: Prachi
All the best for NEET, please mention your caste without any hesitation so that I can guide you properly.

Ans: HI
I cannot recommend any institute on this platform. You haven't mentioned your city, so it would be difficult to suggest any name.

Choosing the right tuition classes is a big decision. Recommending any coaching institute is not easy. You need to go through these basic points while finalising the tuition classes.

What I can suggest you is

Determine your needs.

Ask for recommendations: Talk to friends, family, and teachers to get recommendations. positive feedback from students who have already studied there.

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Ans: Hello Sam,
it is not possible. but there are other means possible for this. You can contact in person do discuss this.

Ans: Hello Rajiv Ji,
She can go for microbiology & go for specialisation from abroad where she will have a great scope in research & development field. You can read my blogs available on my website for career avenues in different field.

Ans: Hello Manoj ji,
percentile is relevant to the topper. With ranks we can pinpointedly find out about admission.
since jee result is out if you can share ranks, category & state, we can work out the best available option for your son.

Ans: Hello Sir,
since jee result is out if you can share ranks, category & state, we can work out the best suitable option for your son. please feel free to contact me for follow-up.

Ans: Hello Sir,
there are many options available if he appears for MHTCET. We can discuss this in person & get a CS in a good college. Please feel free to contact.

Ans: Hello Sir,
below can be career avenues for your son.

Clinical Laboratory Technologist/Technician: This is the most common career path for MLT graduates. You could work in hospitals, clinics, diagnostic laboratories, or research facilities, performing tests on patient samples to assist physicians in diagnosing and treating diseases.

Research Assistant: MLT graduates can work as research assistants in laboratories, assisting scientists and researchers in conducting experiments, analyzing data, and contributing to scientific discoveries.
Quality Control Technician: You could work in pharmaceutical or biotechnology companies, ensuring that products meet quality standards by testing raw materials, intermediates, and finished products for purity, potency, and safety.

Infection Control Officer: With additional training or certification, you could work as an infection control officer, responsible for preventing and controlling infections in healthcare settings by monitoring and implementing protocols to ensure patient and staff safety.

Public Health Officer: MLT graduates can work in public health departments or government agencies, contributing to disease surveillance, outbreak investigations, and health promotion programs aimed at improving community health.

Healthcare Information Specialist: With additional training in health informatics or medical coding, you could work as a healthcare information specialist, managing and analyzing patient data to improve healthcare delivery and outcomes.

Education and Training: If you enjoy teaching, you could pursue a career as a teacher or instructor in MLT programs, training future laboratory professionals.


Specialized Laboratory Technologist: MLT graduates can choose to specialize in areas such as microbiology, hematology, immunology, or molecular diagnostics, focusing on a specific area of laboratory testing.
Phlebotomist: If you enjoy working directly with patients, you could become a phlebotomist, responsible for drawing blood samples for laboratory testing.


Healthcare Administration: With additional education or experience, you could pursue a career in healthcare administration, managing laboratory operations, budgets, and personnel.