Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Ravi

Ravi Mittal  |616 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 07, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Nov 06, 2024
Relationship

Hey, I was in a relationship 1 year ago. Our relationship was going well. I felt it's time to get her closer, so I decided to kiss her or touch her, but she refused again and again. She said she loves me very much but doesn't want to be in a physical relationship with me or kiss my lips because her parents trust her... Now she wants to break up... and said she wants me to stay as a friend in her life. My feelings for her becoming stronger day by day are that I want her to love, kiss, hug... I love her so much. Please help me. I am very mentally disturbed.

Ans: Dear Anonymous,
I understand it can be confusing and even frustrating on some level that she didn't want the same things as you, but you have to respect her boundaries. If she is not ready for intimacy, you have to give her the time and space for it. Moreover, it seems like she does not want to continue the romantic relationship. I suggest you speak to her about her sudden change of heart and understand why she wants to be just friends from being a couple. That should be your priority right now.

Just a gentle reminder- It is not right in any way to coax her or convince her to get intimate with you when she is clearly not ready. Please understand that.

Best Wishes.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

Listen
Relationship
Hey ma'am, I got into a relationship with a girl in 2019. In the beginning it was all good. We both were committed to each other and we always promised each other of marrying but then I cheated on her. She was still with me and forgave me and we moved on. But then lockdown happened and I thought if we can't meet then we should at least be connected virtually most of the time so that she doesn't think I don't love her anymore.She got irritated by it because her mental peace was not okay in lockdown and I thought I should support her by calling her and texting her all the time. And now 6 months ago in December 2021 she blocked me. I tried to sort it but couldn't communicate. Three months ago we communicated and she told me everything how she got irritated and I told her that it’s both our fault that we didn't communicate. So now when I know I was at fault can we start again?? She is saying now I am looking for someone better. I love her ma'am. And I am still committed to marry her. All her friends, her family, her sister know that I love her so much and they want us to be together but she is just blindly saying she wants someone else. I can't live like this. Everyone in our circle says the way I handle her mood swings and all no one can do that. But I don’t know how to make her realise.To be honest ma'am I don't want to lose her. I love her ma'am. Kindly help me ma'amThanks
Ans:

Dear MP,

It might be a message from her to you to move on.

It could be because of her losing trust on you. Lockdown has changed the way that we think, feel and act and most of us have had a major overhaul in our lives.

You might have to win her trust back rather than just thinking that you love her and that she must understand this.

Maybe she is still hurt which means you need to go that extra mile to rebuild your relationship.

But if she has moved on and wishes that you move on as well, kindly respect this and move on.

All the best!

..Read more

Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

Listen
Relationship
Hey ma'am, I got into a relationship with a girl in 2019. In the beginning it was all good. We both were committed to each other and we always promised each other of marrying but then I cheated on her. She was still with me and forgave me and we moved on. But then lockdown happened and I thought if we can't meet then we should at least be connected virtually most of the time so that she doesn't think I don't love her anymore.She got irritated by it because her mental peace was not okay in lockdown and I thought I should support her by calling her and texting her all the time. And now 6 months ago in December 2021 she blocked me. I tried to sort it but couldn't communicate. Three months ago we communicated and she told me everything how she got irritated and I told her that it’s both our fault that we didn't communicate. So now when I know I was at fault can we start again?? She is saying now I am looking for someone better. I love her ma'am. And I am still committed to marry her. All her friends, her family, her sister know that I love her so much and they want us to be together but she is just blindly saying she wants someone else. I can't live like this. Everyone in our circle says the way I handle her mood swings and all no one can do that. But I don’t know how to make her realise.To be honest ma'am I don't want to lose her. I love her ma'am. Kindly help me ma'amThanks
Ans:

Dear MP,

It might be a message from her to you to move on.

It could be because of her losing trust on you. Lockdown has changed the way that we think, feel and act and most of us have had a major overhaul in our lives.

You might have to win her trust back rather than just thinking that you love her and that she must understand this.

Maybe she is still hurt which means you need to go that extra mile to rebuild your relationship.

But if she has moved on and wishes that you move on as well, kindly respect this and move on.

All the best!

..Read more

Kanchan

Kanchan Rai  |619 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2023

Asked by Anonymous - Apr 14, 2023Hindi
Listen
Relationship
Hi , I am Jose. I have a very complicated relationship issue. I loved a girl when I was about 18, she was from a financially better off family. This was a major reason that I hesitated to tell her about my love, instead remained a friend. She was better qualified too. I started working and wanted to be in a financially better situation before I confessed my love for her. In the meanwhile she got herself admitted in a college in the US, I decided to tell her, but was too late, she had already committed herself to her senior in college. We made a promise to each other that we will remain friends. We kept in touch through letters. Then I decided to get married as per the family wishes. Shortly she too got married to her boyfriend . We told our partners about each other. We continued to keep in touch thro email and phone calls once/twice in a year. We would meet once or twice every time she would visit from the US. We never had any physical relationship at the most it would be a peck on the cheek or just holding hands. We immersed ourselves in our personal / professional lives. We had 2 sons with our partners. Now the boys are in their 20's. In the meanwhile she found out her husband was having a relationship with some other woman, in the ensuing arguments it led to their divorce a couple of years back. Since 2021 I had 2 heart attacks, and survived. All these years I never had a happy life , we stayed together due to societal pressures and in the last 2 years we never had a physical relation too. She always had a hatred towards physical relationship. I hate forcing myself on her, so we have remained seperate in the last few years. After my 2nd attack, my friend helped me stop my smoking and somehow our chats on whatsapp or personal meets when she comes here have started becoming very mushy and with a lots of deeply loving words. I know I cannot divorce my wife as I would lose a lot of my immovable properties on which i depend for my rental income as I have actually gifted my wife a lot of my properties. Nowadays I am getting drawn towards my friend again and very strongly. Confused, and not knowing how to proceed. I am no longer working and depend on rentals for my earnings.
Ans: My dear friend,

It sounds like you're in a very complicated situation, and it's understandable that you feel confused and unsure about how to proceed. It's important to take some time to really think about what you want and what's best for you, as well as consider the impact of your actions on those around you.

First, it's important to acknowledge that your friend is currently in a vulnerable position after going through a divorce. While it's natural to feel drawn towards her, it's important to make sure that any actions you take are respectful and considerate of her feelings and needs.

At the same time, it's also important to consider your own needs and desires. You mentioned feeling unhappy in your current relationship and feeling drawn towards your friend again. It's important to really examine those feelings and think about what it is that you want in your life and your relationships.

However, it's also important to consider the potential consequences of your actions. You mentioned that you cannot divorce your wife without losing a significant amount of your income, and that you've already gifted her a lot of your properties. It's important to consider the financial and emotional impact that divorce could have on both you and your wife, as well as any children or other family members who may be affected.

One possible option could be to explore couples therapy or marriage counseling to see if there are ways to improve your current relationship and address the issues that have been causing unhappiness. It's also important to communicate openly and honestly with your friend about your feelings, but to do so in a way that is respectful and considerate of her feelings and needs as well.

Ultimately, the decision about how to proceed is up to you, but it's important to take the time to really think things through and consider all the potential consequences of your actions.

..Read more

Ravi

Ravi Mittal  |616 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 03, 2024

Asked by Anonymous - Jul 02, 2024Hindi
Listen
Relationship
Hi, I am 26 years old. Doing job in an Mnc, earning decent enough for me and my family. I had a breakup in my early 20s with my long term girlfriend from my school days, since then I am single. Last year I met a girl at the office gym, she works in a different department. We both speak the same language so she approached me and my friend and gave her number. Then we became good friends, used to hangout everything. Even though she had a boyfriend she used to get jealous seeing me with other female friends. 3 months back, her bf married to some other girl of his cast and dumped her. She had physical relationship with her bf as she told but i never had physical with anyone. She used to come and cry in front of me and asked me once as well whether i loved her or not. I ignored as i knew she is just seeing me as an option. Nowadays she is avoiding me a lot giving excuses like she is busy and all and I feel she went into a relationship and just breadcrumbing me because of attention. I also stopped giving her free attention and barely call. But my heart still miss her. I know I don't love her and don't wanna be with her in future as she is very manipulative but being very lonely myself with no friends she used to fill a void in my life. I want her presence, attention, and maybe want to do physical with her casually as she is that type of girl who can get laid easily with someone she likes. What shall I do? I am unable to move on from this and it is affecting my career. Also I want a stable relationship with whom I can have a good future.
Ans: Dear Anonymous,

The answer to your question is right there in the question. You do not want her; you want her attention which will feed your ego. It's not love and you know it. If you pursue a casual or serious relationship, chances are one or both of you will get hurt. Now, you mentioned that you want a stable relationship. You should start by focusing on that.

One more thing- it is not up to us to judge someone and call them names like "that type of girl." Wanting to hook up with her casually because you think she'll let you should then make you "that type of boy." These are baseless labels and it's best not to hurl these insults at people. Focus on yourself. Find a date- you can ask your friends to set you up, or family, or you can try out a dating app. Mention that you want a serious relationship; it can increase your chances of finding the right match.

Best Wishes.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
My son kcet rank 12971 ( 2bg category) he is looking for top colleges for CSE Bangalore and Mysore. Kindly suggest.
Ans: Farid Sir, With a KCET rank of 12 971 in the 2BG category, your son is assured of admission to these 15 reputable AICTE-approved, NBA/NAAC-accredited institutions in Bengaluru and Mysuru whose 2024 CSE closing ranks for reserved categories exceeded your score. Each offers modern computing labs, experienced faculty, strong industry tie-ups and placement cells recording 70–85% consistency over the last three years:

Alliance College of Engineering & Design, Alliance University, Anekal (CSE closing rank ~73 084)

Global Academy of Technology, Rajarajeshwari Nagar (CSE closing rank ~77 065)

East West Institute of Technology, BEL Layout (CSE closing rank ~84 824)

Garden City University, Old Madras Road (CSE closing rank ~98 787)

Cambridge Institute of Technology, North Campus, Kundana (CSE closing rank ~91 162)

Impact College of Engineering & Applied Sciences, Sahakar Nagar (CSE closing rank ~100 096)

REVA University, Yelahanka (CSE closing rank ~55 784)

Acharya Institute of Technology, Soladevanahalli (CSE closing rank ~101 534)

Atria Institute of Technology, Hebbal (CSE closing rank ~98 519)

M.S. Ramaiah University of Applied Sciences, MSR Nagar (CSE closing rank ~43 320)

CMR Institute of Technology, Varthur (CSE closing rank ~26 945)

RNS Institute of Technology, Bengaluru (CSE closing rank ~26 945)

New Horizon College of Engineering, Marathahalli (CSE closing rank ~25 808)

Presidency University, Bangalore (CSE closing rank ~30 000–35 000 range)¹

MVJ College of Engineering, Channasandra (CSE closing rank ~19 389)
All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Money
I am 46 years old..in a government job with salary in hand of 85k.I invest 9k in PFi 12.5 k each in PPFand sukanya samriddhi.My daughter is 13 at present.I pay 22k for HBLI invest 8k in SIP.will get around 10 k as rent of my flat. .I have a family floater where I pay 26k annually and an RD of 4K per month.My PPF Sukanya and PF as of now are all around 11lakhs.I will retire in 2039.I have a SBI life which is market linked priced at around 13.5 lakhs at present.It will mature in 2027.The outstanding loan amount of HBLis 7lakhs.where and how much should I invest to repay my loan as well as make investment for the future.
Ans: You have been thoughtful with your investments and savings. At this stage, clarity and right structuring are more important than increasing the number of investments.

Let us now look at your situation from a full 360-degree view and build a practical plan.

? Age, Income and Goals

– You are 46 now with 13 years left to retirement.
– Your in-hand salary is Rs 85,000 per month.
– You also receive Rs 10,000 monthly rent from your flat.
– So, your total regular cash inflow is Rs 95,000.
– Your daughter is 13 years old. Education and marriage are big upcoming expenses.
– Retirement planning is also a priority from now.

Time is limited, so every rupee must work smartly.

? Ongoing Financial Commitments

– You invest Rs 9,000 in PF (mandatory deduction).
– You invest Rs 12,500 in PPF and same in Sukanya Samriddhi.
– Your monthly EMI for home loan is Rs 22,000.
– You invest Rs 8,000 in SIPs.
– You pay Rs 26,000 per year as premium for family floater.
– You have an RD of Rs 4,000 monthly.

This shows a very good savings culture. But allocations need refinement.

? Existing Assets Summary

– PPF, PF, Sukanya total is around Rs 11 lakh.
– SBI Life (market-linked) value is Rs 13.5 lakh, maturing in 2027.
– You also own a house and earn Rs 10,000 rent from it.
– These are strong financial pillars to build upon.

You are not starting from scratch, which is a great position to be in.

? Loan Situation

– Outstanding loan is Rs 7 lakh on your home.
– EMI is Rs 22,000 per month.
– You have 13 years to close the loan before retirement.
– Ideally, loans should be cleared before retirement.

Let us see how to manage this smoothly.

? Cash Flow Evaluation

– Monthly inflow: Rs 85,000 salary + Rs 10,000 rent = Rs 95,000.
– Expenses + SIP + EMI + savings = around Rs 75,000–80,000 monthly.
– You may be left with Rs 15,000–20,000 buffer.

This buffer must be managed with purpose and not by chance.

? SBI Life Policy Assessment

– This is a market-linked insurance policy.
– Value now is Rs 13.5 lakh. Maturity is in 2027.
– These insurance cum investment plans often give lower returns.
– Better to surrender it after 2027 maturity.
– Reinvest the entire maturity amount into mutual funds.
– Do not renew or reinvest in another ULIP.

ULIPs are expensive and do not provide long-term value. Shift to mutual funds.

? Home Loan Repayment Planning

– Do not pre-close home loan in a hurry now.
– Keep regular EMI going from your salary.
– Instead, focus your extra savings to grow wealth.
– In 2027, when SBI Life matures, use Rs 2 lakh from it.
– Use that to make a part-payment of the home loan.
– This will reduce EMI burden in later years.

Target complete closure of loan by 2034 latest. Do not keep till retirement.

? Emergency Fund Requirement

– You must keep at least Rs 2 lakh in liquid form.
– This is not for investment. It is for protection.
– Use part of your RD and savings account for this.
– Stop RD if needed, and create emergency fund instead.

Without this, any sudden expense will force you into loans again.

? Child Education and Marriage Planning

– Your daughter is 13 now. Graduation in 5 years.
– Post-graduation and marriage will follow after that.
– Your Sukanya account and PPF help with this.
– But that alone is not enough. Add a goal-based SIP.
– Use regular plans of actively managed mutual funds.
– Avoid direct funds. Avoid index funds.

Regular plan SIPs with Certified Financial Planner help in review and changes.

? Why Avoid Index Funds and Direct Funds

– Index funds cannot manage downside risk.
– They fall when market falls. No protection strategy.
– They follow the index blindly without human guidance.
– Direct mutual funds look cheaper but offer no support.
– You won’t get regular review, asset allocation help or correction.
– Without expert guidance, direct funds underperform in long term.

A Certified Financial Planner with MFD support brings strategy and safety together.

? SIP Strategy Going Forward

– You already invest Rs 8,000 in SIPs.
– Continue this. Do not stop unless emergency arises.
– After 2027, increase this to Rs 12,000 or more.
– Use part of SBI Life maturity to start extra SIP.
– Use mutual funds that match your time horizon and goals.
– One SIP for daughter, one for retirement.

All new investments should be with specific targets in mind.

? Retirement Planning from Age 46

– You have 13 years left till retirement.
– PF and PPF will help, but are not enough.
– Inflation will reduce value of PPF corpus.
– Mutual funds offer better post-tax returns.
– Regular investing over next 13 years is critical.
– Increase SIP as your salary grows.

You must target financial independence before retirement. Not just pension dependency.

? Health Insurance and Risk Cover Review

– You have a family floater. That’s good.
– Check sum insured is at least Rs 10 lakh.
– Top it up if needed. Health costs rise each year.
– Also ensure you have term life insurance.
– Amount should be minimum 10 times your salary.
– Do not mix investment with insurance.

Protection planning is as important as wealth planning.

? Real Estate Holding – Just Maintain It

– You get Rs 10,000 rent monthly from your flat.
– That is good passive income. Do not sell this property.
– But avoid buying any more real estate.
– Maintenance, taxes and liquidity make real estate less attractive.
– Better to invest in mutual funds for flexibility and return.

More assets do not mean more wealth if they are not liquid.

? Income Use Plan from Now to Retirement

– 2024–2027: Focus on loan EMI, SIP and emergency fund.
– 2027: Use part of SBI Life maturity for loan part-payment.
– Rest of the money to be invested in SIP.
– 2027–2034: Increase SIP for retirement and daughter’s future.
– 2034: Plan to fully close home loan.
– 2035–2039: Save maximum possible in SIPs.

Clear path like this gives financial control and peace.

? Asset Diversification

– Avoid locking more in PPF or RD now.
– Keep PPF running, but don't increase contribution.
– Stop RD and move that money to SIP after emergency fund is ready.
– Avoid gold, crypto, or other complex assets.
– Just focus on simple, quality mutual fund SIPs in regular plan.

Simple, consistent approach wins over long term.

? Finally

– You are in a strong position due to early planning.
– But some parts need correction and better allocation.
– Use next 3 years to organise your finances more efficiently.
– Don't rush to pre-close loan unless there’s surplus.
– Reinvest the SBI Life maturity wisely.
– Avoid index funds, direct funds and real estate.
– Stick to regular plan mutual funds with guidance.
– Focus on specific goals – child education, marriage and your retirement.

Clear direction now will ensure peace later. You are very much on track.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Money
Hi Sir I have Purchased a Home which is Around 25L with all my Savings,M.funds. My Inhand Salary is 60,000/-, And Debt details are as follows Personal Loan- 2Lac Gold Loan - 2.25Lac From Relatives - 4.5Lac.(1yrear time taken) Now I am finding very difficulty to Save the money and tracking every Single Penny.. Kindly suggest me in this Case what to do.
Ans: Let’s carefully understand your financial position and work step-by-step to improve it. The current situation seems tight, but with the right planning, things can be managed well.

? Current Financial Snapshot

– Home purchased for Rs 25 lakh with your entire savings and mutual funds.
– No home loan, which is a good point. Property is fully owned.
– In-hand monthly salary is Rs 60,000.
– Existing debts include:

Rs 2 lakh personal loan

Rs 2.25 lakh gold loan

Rs 4.5 lakh borrowed from relatives
– You mentioned that you are struggling to save or track money.

This is a very common challenge in the early years of home ownership. Let’s take one step at a time.

? Cash Flow Stress Analysis

– Your monthly income is not matching with outflow due to EMI and regular expenses.
– Personal loan and gold loan EMIs may be high due to short repayment terms.
– You also have a moral obligation to return the amount to your relatives in 1 year.
– Your current cash outflows may be above 70% of your income.

This gap creates financial stress. We need to balance it.

? Immediate Focus: Create a Monthly Budget

– Write down every expense, even the smallest one.
– Break expenses into 3 parts: Must-Have, Flexible, and Avoidable.
– Must-Have: Rent (if any), groceries, child school fees, transport.
– Flexible: DTH, OTT, eating outside, non-essential shopping.
– Avoidable: Unused subscriptions, unplanned EMI purchases, gadgets.
– First target is to reduce the flexible and avoidable categories.

You must review this every 15 days. It will give clear spending awareness.

? Debt Prioritisation Strategy

– Start with the costliest loan: usually personal loans and gold loans.
– Try to close the personal loan first. Interest is normally very high.
– Next focus on gold loan, since delay may lead to loss of gold asset.
– Relative loan is at zero or low interest, repay slowly.
– Talk to relatives honestly and request 6 more months for comfort.

It’s okay to request this. Most families do understand.

? Use a Debt Avalanche Method (Without Calculation)

– Pay minimum EMI on all loans.
– Use any surplus to close highest-interest loan first.
– Then move to next high-interest loan.
– Do not try to repay all equally. That will not reduce total interest much.

Focused repayment brings mental peace.

? Emergency Fund Creation

– Right now, you don’t have any savings left.
– Without an emergency fund, any small expense will push you to borrow again.
– Start building a fund of at least Rs 30,000 to Rs 50,000 in a savings account.
– Set small goals like saving Rs 2,000 a month.
– Emergency fund is not for investments. It is for protection.

This step avoids future personal loan traps.

? Investments Can Wait – But Not Planning

– Do not start any SIP or investment now. Focus only on debt clearing and emergency fund.
– But track your expenses and income as if you are planning for a SIP.
– This mental discipline will help when you are actually ready to invest.
– Planning must begin today, investing can wait 6–9 months.

Clarity in numbers always comes before wealth creation.

? Role of Mutual Funds Later

– Once debts are cleared and emergency fund is ready, only then start investing.
– Go for actively managed mutual funds through Certified Financial Planner and MFD.
– Regular plans allow you to get guided review and handholding.
– Avoid direct plans unless you are trained in market analysis.
– Regular plans offer rebalancing, portfolio review and behavioural support.

Guided approach helps in emotional control during market changes.

? Why Not Index Funds

– Index funds may seem cheaper, but carry hidden risks.
– They cannot protect you during market crash.
– They blindly follow the index without risk filters.
– No scope for active management or downside protection.
– Actively managed funds give better returns in uncertain markets.

Safety with growth is key for salaried individuals like you.

? Income Expansion Attempts

– If possible, take small freelance work in weekends or evenings.
– Tutoring, online assistance, delivery work, or any skill-based work helps.
– Even Rs 3,000 extra income can fast-track loan closure.
– Don’t ignore small side income. Every rupee counts in debt management.

This step adds strength to your plan.

? Lifestyle Adjustments – Temporarily

– Pause all unnecessary spending like dining out, movies, and clothing for now.
– Stick to basic lifestyle until all high-interest debts are cleared.
– Use old phone, avoid gadgets, reuse clothes and accessories.
– Don’t feel bad. This phase is temporary and purposeful.

Short-term sacrifice brings long-term peace.

? Avoid These Mistakes

– Do not take another loan to repay existing loans.
– Don’t swipe credit cards for regular expenses.
– Avoid BNPL or EMI traps on online shopping.
– Don’t invest in gold or crypto now.
– Avoid insurance policies that combine investment and life cover.

Focus only on liquidity and debt reduction now.

? Family Support and Communication

– Speak with your spouse or parents honestly about current situation.
– Assign small responsibility to each family member.
– Even saving Rs 200 in electricity or food matters.
– Emotional support from family boosts financial discipline.

Unity brings faster solutions.

? Future Planning – Once Stable

– After debt closure, build 3 months' salary as emergency corpus.
– Then, set financial goals like retirement, children education, and vacations.
– Start SIP in 2-3 mutual funds under regular plan with guidance.
– Choose goals-based investing, not trend-based investing.
– Review goals every 6 months with a Certified Financial Planner.

Future planning needs structure, not trial and error.

? Insurance Check

– Ensure you have term life cover equal to at least 10x of your annual income.
– If you have ULIPs or traditional endowment plans, review them with a CFP.
– Surrender if needed and shift to mutual funds for long-term wealth.
– For health, minimum Rs 5 lakh cover is needed for family.

Insurance is protection, not investment.

? Mental Framing for Money Success

– Stop comparing lifestyle with others.
– Avoid social media-based spending urges.
– Be content and frugal for next 1–2 years.
– Celebrate small financial wins – like repaying one EMI early.
– Keep reminding yourself – this is a phase, not forever.

Discipline is more powerful than any investment plan.

? Finally

– You have already done one good thing – bought a house without a home loan.
– This is your foundation. Now your job is to build peace and liquidity.
– Cut expenses, increase income, repay loans smartly.
– Say no to lifestyle pressure and wrong investment traps.
– Once you are stable, mutual fund investment under regular plan will guide your growth.

Keep moving step by step. You are already on the path.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir CSE in BITS if to choose between goa and hyderabad then whivh one should we opt for and why ? We have git hyderbad and will get Goa if done freeze the option in preference
Ans: Sharma, Both BITS Goa and BITS Hyderabad offer excellent Computer Science and Engineering programs with identical curriculum, faculty standards, and degree credentials under BITS Pilani. BITS Goa (established 2004) provides a picturesque 188-acre campus with pleasant weather, strong cultural festivities including the renowned Waves festival, and slightly higher placement consistency with First Degree placements at 91.15% in 2023. The campus features modern computing labs, proximity to beaches, and a vibrant social atmosphere. BITS Hyderabad (established 2008) offers a sprawling 200-acre campus with state-of-the-art infrastructure, modern laboratories, and excellent connectivity to Hyderabad's IT ecosystem. The campus recorded First Degree placements at 87.23% in 2023 with strong industry partnerships. Both campuses maintain similar median packages around ?17-18 LPA and attract identical top recruiters including Google, Microsoft, Amazon, and other leading firms. The Practice School program and academic rigor remain consistent across both locations, ensuring comparable educational quality and career outcomes.

Recommendation: Choose BITS Goa if you prioritize pleasant weather, cultural vibrancy, scenic beauty, and slightly better placement consistency; opt for BITS Hyderabad if you prefer state-of-the-art modern infrastructure, proximity to India's IT hub, and enhanced industry exposure opportunities within a rapidly growing tech ecosystem. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Ict ioc is best or nit manipur/mizoram civil is best . I confused what should I do .
Ans: The ICT–IOCL Odisha Campus offers a unique five-year integrated M.Tech in Chemical Engineering with minors in six disciplines, blending nine trimesters of on-campus coursework with six trimesters of paid industrial internships, led by PhD-qualified faculty in state-of-the-art labs and backed by NAAC A++ accreditation and merit-cum-means scholarships. In contrast, National Institute of Technology Manipur’s four-year B.Tech in Civil Engineering admits 38 students per year, is NIRF-ranked 101–150, features foundational structural, geotechnical, and environmental labs under government funding, and achieved a median UG package of ?8.75 LPA with 147 of 161 graduates placed in 2024. NIT Mizoram’s B.Tech Civil cohort (34 seats) recorded a 100% placement rate in 2024 with a median package of ?6 LPA and recruiters such as Adobe and Tech Mahindra, all within its Institute of National Importance framework and burgeoning permanent campus near Aizawl Airport.

Recommendation: If your goal is industry-immersive chemical engineering training with guaranteed stipends and entrepreneurial focus, choose ICT–IOC Bhubaneswar; for a core civil engineering pathway with strong government support, higher civil-branch placements and national-level credentials, opt for NIT Mizoram, with NIT Manipur as a solid fallback. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
My son has secured a seat in the AI & Data Science course at IIIT Kota through JoSAA counselling. Kindly guide us regarding the scope and future opportunities in AI & DS under current circumstances. Also, should we still consider participating in CSAB rounds, or is it advisable to retain this seat?
Ans: The B.Tech in Artificial Intelligence & Data Engineering at IIIT Kota was established in the 2024–25 academic session with an annual intake of 60 students, offering a curriculum that blends foundational AI, data science, and hands-on project work under PhD-qualified faculty. As a newly launched branch, the first cohort has not yet graduated, so there are no branch-specific placement records for 2024 or 2025. However, IIIT Kota’s established CSE and ECE branches have reported strong placement statistics in 2024, with an overall placement rate of 74% and average packages above ?12 LPA, indicating a positive recruitment environment for computing disciplines. The AI & DS program is designed to meet current industry demand for data scientists, AI engineers, and analytics professionals, leveraging the institute’s growing partnerships with leading tech firms and its status as an Institute of National Importance. Participation in CSAB rounds may be considered if you are targeting higher-ranked NITs, IIITs, or core CSE branches, but for most candidates, the current AI & DS seat at IIIT Kota offers a robust platform for future opportunities in AI, machine learning, and data analytics.

Recommendation: Retain the AI & Data Science seat at IIIT Kota for its modern curriculum, strong institutional reputation, and emerging placement ecosystem; participate in CSAB only if you have a realistic chance at a core CSE seat in a higher-ranked NIT or IIIT, otherwise focus on maximizing opportunities in the current program through internships and research projects. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x