Thank you sir for your valuable suggestions.

Ans: MBA IT is surely a good option. I am not entitled to suggest any college. Let him talk to his seniors and batchmates. He can seek suggestions from his professors also. Apart from that let him search for good colleges in net. Best of luck to him. MAY GOD BLESS HIM. Regards. Professor

Ans: Good question. Yes, this certificate course will definitely help him to get a good job in IT sector. One more certificate course is must. That is for AI and ML. He will surely succeed. Only B. Sc Chemistry is not enough. He has taken good decision. Best of luck. Just follow me. GOD BLESS YOUR SON. Regards. Professor

Ans: Hello;

Prudent fiscal planning and discipline is very important in retirement.

Your family may stay together for cost optimization and avoiding duplication of expenses.

The other property may be sold, after releasing encumbrances, if any.

You may buy immediate annuity from a life insurance company from the proceeds of property sale to get monthly income as per the annuity rate offered by the insurance company.

Later you may sell inherited property to boost your annuity income.

Best wishes;

Ans: HUL, Nerolac, Trend, Coal India. I did not understand what you mean by tata gold?

Ans: Hello;

You may begin a monthly sip of 2.5 L into a combination of pure equity mutual funds and top it up each year by minimum 22% to achieve 15 Cr target in 10 years, including PPF value of 1.38 Cr after 10 years.

It top up is not possible then the flat monthly sip of 2.5 L will have to continue for 15 years (delaying retirement) to reach the intended corpus of 15 Cr, including PPF value of 1.93 Cr, after 15 years.

The value of your business is not factored into this working.

The current monthly expenses of 75 K will be 1.34 L after 10 years and 1.8 L after 15 years considering inflation of 6%.

But your target corpus is more then enough to generate monthly income (Annuity & SWP Mix)much more than your monthly expenses after 10 or 15 years.

Happy Investing;
X: @mars_invest

Ans: Hello noted
Since you are 36 years and gonna turn 37
Amh is 1.67
And weight 69
So, considering your age and amh being 1.67 one year back, we need to repeat your AMH. Amh is supposed to reduce with age, it means the egg forming capacity of the ovary diminishes with age.
So, you need to focus of conception. At the same time, you can do exercises and dietary changes to reduce your weight
Let both happen hand in hand
And yes, correction of vitamin D, tsh is needed
Have nutritious food, antioxidants, proteins in your diet
Have supplements which help in improving the quality of eggs.

Ans: Hello;

Do you have any rental income from the flats owned by you?

Kindly confirm so as recommend suitably.

Thanks;

Ans: To remain calm even when faced with anger, it's essential to train the mind regularly, not just in the mornings. Here’s a simple way to handle it:

Mindful Breathing: When you feel anger rising, pause and take deep breaths. Slowly inhale for 4 counts, hold for 4, and exhale for 6 counts. This simple practice can calm your mind in moments.

Witness Your Anger: Instead of reacting, observe the anger. Tell yourself, "This is just a passing emotion. I don't need to hold on to it."

Practice Gratitude: Shift your focus to something positive—like a good moment from your day. Gratitude quickly softens anger.

Carry Peace Throughout the Day: After morning meditation, visualize yourself remaining calm no matter what happens. This mental preparation helps when challenges arise.

Remember, meditation and mindfulness need consistent guidance to become effective. A yoga or meditation coach can teach you techniques tailored to your personality and lifestyle. Self-practice is good, but expert guidance ensures you build resilience faster and avoid frustration.

When anger disrupts your peace, see it as a signal to return to your breath and inner calm—each time, you grow stronger.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: Sangeetha, Prefer AIMS-Peenya. However, investigate the specializations you intend to pursue and their future prospects. All the BEST for Your Prosperous Future.

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