Hi, I'm 31 years old and married. She is a housewife. I have about 30 lakhs in FDs and PPFs. I have loan-free farm land of 35 lakhs, highway touch, which yields only 20k per year in rent right now. I have home loan of 38 lakhs with 33500 EMI. I have just recently started investing in MFs with SIP of 9000 per month in 5-6 different funds comprising of large cap, mid cap, small cap, dividend yield and I want to increase it. I only prefer equity oriented funds because of its higher returns as compared to debt funds as I already have enough FDs to play safely and thus I avoid debt funds. I know I have enough years to gather large corpus till age 60. But right now, please suggest me how much (or how much more) and where should I invest Rs.50000 per month (savings of my salary after all expenses per month) so that I earn exactly Rs.1 lakh per month from all my investments (passive income) in exactly 5 years from now. Also, I wonder if I should pay off my home loan or not coz one side is that currently I avail tax return on interest component upto 3.5 lakhs but the other side is that paying off home loan will lessen my mental burden. So sir, please share your valuable opinion om both these points.

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that you intend pursuing higher studies in either Hotel Management or Fine Arts. To answer your question first, I would like to tell you that provided that they are comparable to Canadian secondary education requirements, NIOS (National Institute of Open Schooling) 10th and 12th credentials are widely acknowledged by foreign universities, even those in Canada. Nevertheless, given that the particular entry requirements may differ from university to university, you should check the same with the universities you have selected. Bear in mind that portfolios or supplementary credentials may also be demanded for fields such as Hotel Management or Fine Arts. In order to acquire the most up-to-date information, I would suggest that you contact the university's admissions office.

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Ans: Hello,

To begin with, thank you for contacting us. As an answer to your query, I would like to tell you that other than the US and the UK; Australia, Canada, Germany, and Ireland are among the other sought-after destinations to pursue an MS after Engineering. Top-tier education as well as post-study employment prospects are offered in Canada. Germany is renowned for the robust engineering courses as well as the minimal or tuition-free education it offers. Australia and Ireland on the other hand, are also home to renowned institutions and hassle-free visa procedures for overseas students.

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Ans: Hello ASAD,

First and foremost, thank you for getting in touch with us. I am glad to know that your son has received offers from the above mentioned universities. As an answer to your query, I would like to tell you that a prestigious and budget-friendly education in a lively Italian environment, along with a reputable academic standing and lower living expenses is offered at the University of Padua; its 3-year BSC - Information Technology may also provide a quicker path to higher education or jobs. Coming to the University of Strathclyde, top-ranked in the UK for Computer Science, this university is renowned for its linkages with industry, research possibilities, as well as outstanding student services, offering robust employment opportunities. Next, situated in a student-centric city with budget-friendly costs in comparison to other cities in the UK, Glasgow Caledonian University focuses on hands-on, industry-focused learning with impressive graduate employment rates. The National College of Ireland provides a small, contemporary campus in Dublin with robust ties with the technology sector, internships, and employment prospects in one of Europe’s key technology hotspots.

Lastly, deciding which university and country to select depends on your son’s professional objectives, ideal learning atmosphere, budget, as well as plans for the future- whether he prefers a shorter course term, robust industrial connections, global exposure, or residing in a specific nation.

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Ans: It is not among the top B schools so the placements will not be great. But do connect with the students of the college to find out the companies coming to campus and the roles and packages that they offer before taking the decision.

Ans: Arnab, No, you can't change the category on the JEE Main form after the test is over and the window for making changes has ended. What You Can Do is, use the EWS Category when you're counseling with JoSAA or CSAB. When you register for JoSAA or CSAB, you can choose the EWS category as long as you send a valid EWS certificate. Make sure that your certificate was given after April 1, 2024, and that it is still valid according to JoSAA rules. Your JEE Main score or rank will stay the same, but if you chose the right place during counseling, it may be counted toward the EWS reservation. After JEE Advanced, when entry for JoSAA 2025 starts, pick "EWS" as your category. All the best for your admissions!

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Ans: Look at options of doing a job as well as starting on your own. On your own you can try to be financial advisor or insurance/mutual fund agent after doing relevant courses. For a job, contact a placement agency to find what course you should do so that you can be job ready.

Ans: You can get CSE in North Eastern NITs. Easily in IIITs

Ans: Rajeswari, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

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, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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Ans: Hi
Aap Affidavit banwa lo
Aap ek notarized affidavit banwa sakte ho jisme likha ho:

"Shilu" aur "Shilu Singh" ek hi vyakti ke naam hain.