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Ramalingam

Ramalingam Kalirajan  |9277 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
KARTHIKEYAN Question by KARTHIKEYAN on May 14, 2024Hindi
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Money

Hi mam namaste my name karthikeyan from ariyalur district tamilnadu i need your help i m middle class family i need your help i want 25000lakhs money because loan problem I m married one boy baby is tgere mam very difficult running my family please kindly help i m returns give your money in 2years mam Please mam

Ans: Namaste Karthikeyan,

I understand the challenges you're facing, and I commend you for reaching out for help. In times of difficulty, it's important to remember that every setback is an opportunity for growth and learning. Let's explore how you can overcome this obstacle and create a brighter future for yourself and your family.

Firstly, it's crucial to adopt a positive mindset and believe in your ability to overcome this challenge. Remember, "Whatever the mind can conceive and believe, it can achieve." This famous quote by Napoleon Hill highlights the power of positive thinking and determination in achieving our goals.

Now, let's focus on practical steps you can take to address your financial difficulties. Start by creating a clear plan to manage your finances more effectively. Track your expenses, identify areas where you can cut costs, and prioritize your spending to ensure your family's needs are met.

Next, explore opportunities to increase your income. Whether it's through additional work, freelancing, or starting a small business, there are always avenues to generate extra income. Remember, "Opportunities are all around us if we have the courage to seize them."

Additionally, consider seeking financial assistance or guidance from local government schemes, NGOs, or community organizations. Don't hesitate to reach out for support when needed. Remember, "Strength and growth come only through continuous effort and struggle."

Lastly, stay committed to your goals and persevere through any challenges that come your way. With determination and resilience, you can overcome this temporary setback and emerge stronger than ever before. Remember, "The starting point of all achievement is desire."

In conclusion, Karthikeyan, I encourage you to stay positive, take proactive steps to improve your financial situation, and never lose sight of your dreams. With patience, perseverance, and a positive mindset, you can overcome any obstacle and create a better future for yourself and your family.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Dating, Relationships Expert - Answered on Jun 30, 2025

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I'm 18 and I broke up with my bf months ago.. It took me a lot of time to realise it was a toxic relationship but I still don't think I have completely moved on. Like basically it began after I showed a little interest in him,and then he proposed and I said yes. I didn't know much about him then. I'm a good student and always excelled academically and he initially appreciated that..he was really a insecure guy and I tried to comfort him but then things got bad he began to feel off and I started developing feelings for another guy so I broke up with him. And till now he tells his friends I played with him.. I never got into any relationship after him though that guy ( the second one) proposed ( I realised he never respected me either) and he (my ex) accuses me of cheating...i dealt with all these things while giving my boards..after 6-7 months of my breakup.. results were announced..I topped my school. Then I messaged my ex in a friendly way and he seemed to be really jealous and like.. spoke like he couldn't stand my status..he still gives status claiming that he loves me and I left him because he is not as good as me ....what do I do..even my friends told all of this is my fault since I kinda started it and I admit I was not a very good gf either...what do I do..I still get flashbacks of his hurting words and maybe like I'm more concerned about how to get my image back in school after dating him..or what others are thinking
Ans: Dear Ishani,
If you thought he wasn’t good for you, and things were off, you must have had good reasons for thinking so; you are too young to understand love. People usually mistake infatuation for love. If you think you were right to make that choice, stick to it. Do not let others tell you what is right or wrong. There’s always two sides to every story. Focus on your studies; build your career. All these will be long forgotten. What others are thinking should never be your concern when you have not done anything wrong.
Best of luck for your future.

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Nayagam P

Nayagam P P  |7547 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 30, 2025Hindi
Career
My brother secured 60.69 percentile in jee main and class 12 percentage between 50 and 60 in CBSE. Can you please recommend the private engineering colleges in mumbai , pune and delhi ( north india ).
Ans: With a 60.69 percentile in JEE Main and 50–60% in Class 12, several reputable private engineering colleges in Mumbai, Pune, and Delhi NCR offer accessible admission criteria, strong academic quality, and consistent placement pipelines. In Mumbai, consider Dwarkadas J. Sanghvi College of Engineering (NAAC A, NBA-accredited, 100% placement rate in 2024), K. J. Somaiya College of Engineering (AICTE-approved, AAAA+ accreditation), Vivekanand Education Society’s Institute of Technology (NBA, NAAC A+, 73.31% placements), Sardar Patel College of Engineering (NAAC A++, robust core engineering labs), and Atharva College of Engineering (modern infrastructure and industry MoUs). In Pune, Symbiosis Institute of Technology (NAAC A++, 91% placements 2023-24), MIT World Peace University (NIRF-ranked, AAAA accreditation), AIT Pune (NIRF 101-150, AAAA), Pimpri Chinchwad College of Engineering & Research (NBA-accredited, strong industry tie-ups), and Pune Institute of Computer Technology (NBA, AAAA+ accreditation) stand out. In Delhi NCR, Amity University Noida, Galgotias University Greater Noida, Jaypee Institute of Information Technology Noida, Manav Rachna University Faridabad, and Noida Institute of Engineering & Technology maintain NBA/NAAC accreditations, specialized labs, industry partnerships, and 70–90% placement rates. All these institutions boast qualified, research-active faculty; modern laboratories; industry-aligned curricula; accredited programs; and dedicated placement cells ensuring ≥70% placement consistency over the last three years.

Recommendation: Choose Dwarkadas J. Sanghvi College of Engineering or K. J. Somaiya in Mumbai, Symbiosis Institute of Technology or MIT WPU in Pune, and Amity University Noida or JIIT Noida in Delhi NCR for their balanced strengths across faculty quality, infrastructure, industry partnerships, accreditation, and consistent ≥70% placement rates. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 30, 2025Hindi
Career
Dear Sir, my daughter is in Grade 12 with computer science as one of her core subjects in addition to Maths, Phy, Chem. We see huge enrollment for CS in undergraduate level. What would be your recommendation as a futuristic specialisation Which is advised as part of the undergraduate program in computer science, noting that she is more interested in real field application side of it. She also has an inclination towards aerospace science. Can any specific blended undergraduate program with specific colleges be suggested/recommended which will open up grounds for specialisation having potential demand in the next 5 years. Or would it be still recommended to pursue general CS or CompEng with specific electives for undergraduate level and then specialise after In which case any recommendations for specific college programs which gives much practical exposure and options for specialisation in aerospace, robotics etc. Regards. Ashok.
Ans: Ashok Sir, India now offers pioneering blended undergraduate pathways merging computer science with aerospace or robotics, ensuring early specialization and practical field application readiness. The International Institute of Information Technology, Bangalore, pioneered a five-year Integrated M.Tech in Computer Science and Engineering, awarding dual B.Tech and M.Tech degrees with tailored electives in emerging CS domains, while VIT Vellore’s five-year Integrated M.Tech in Artificial Intelligence, Data Science and Bioinformatics combines foundational computing curricula with advanced research projects and internships in state-of-the-art labs. For aerospace aficionados, IIT Bombay and IIT Kanpur each provide five-year dual-degree programs granting B.Tech and M.Tech in Aerospace Engineering, covering aerodynamics, propulsion, avionics and spacecraft design with rigorous laboratory and project-based learning. Industry-driven specialized options include SRM Institute of Science and Technology’s B.Tech in Automation & Robotics integrating AI, machine learning, IoT and PLCs in advanced automation labs, and Manipal University Jaipur’s B.Tech in Robotics and Artificial Intelligence with drone technology and data analytics tracks. Unique interdisciplinary models such as the Institute of Aeronautics and Engineering, Bhopal’s Integrated B.Tech CSE + Aircraft Maintenance Engineering (DGCA) equip graduates for both software development and licensed aircraft maintenance roles. Alternatively, traditional Computer Science or Computer Engineering pathways at institutions like IIT Bombay or IIIT Hyderabad offer robust core curricula, flexible minor programs in aerospace or robotics, and immersive research centers fostering real-world projects in smart systems and aerospace data analytics, maintaining ≥90% placement rates and strong alumni networks.

Recommendation: For early domain depth and research, opt for five-year Integrated M.Tech CSE at IIIT Bangalore or VIT Vellore; for aerospace specialization, consider dual B.Tech/M.Tech at IIT Bombay or IIT Kanpur; for hands-on robotics and drone expertise, select SRM Kattankulathur or Manipal Jaipur robotics programs; if preferring broader CS foundations with elective flexibility before specializing, choose general CSE or CompEng at top institutes like IIT Bombay or IIIT Hyderabad with robust minor and lab offerings. All the BEST for Your Daughter's Prosperous Future!

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Asked on - Jun 30, 2025 | Answered on Jun 30, 2025
Thanks a lot Sir
Ans: Welcome.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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