I was in a living relationship with my boyfriend whom I met through online. We have been together for more than one year. Nowadays I started hating him as he don't want me to spend time with family and friends. I gave all my savings to him which he used for buying a house. Once I told him not to use my money without informing me as I had some urgent expense but he used it that hurted me a lot. I got a fight with him for the issue. I don't want to live with him but he is telling he don't have anyone other than me.I don't know what to do sometimes he is showing more care on me but I don't like him these days. Please help me on this should I continue on this relationship ?

Ans: These courses are designed to provide you with both theoretical knowledge and practical skills.
Cheminformatics
1. "Introduction to Cheminformatics" by University of California, San Diego on Coursera.
2. "Cheminformatics and Quantitative Structure-Activity Relationships (QSAR)" by University of Basel on edX.

AI and Machine Learning
1. "Machine Learning" by Stanford University on Coursera.
2. "AI For Everyone" by Andrew Ng on Coursera.
3. "Deep Learning Specialization" by DeepLearning.AI on Coursera.

Bioinformatics
1. "Bioinformatics: Introduction and Methods" by University of Lausanne on Coursera.
2. "Bioinformatics for Beginners: Genomes, Genes, and DNA sequencing" by edX.

Ans: Hello;

If it is exempted pf trust(approved by EPFO and authorised by ITax Deptt.) then it is safe and much better for the employees in terms of cost and hence returns.

In the eventuality of merger or acquisition the pf accounts held by the exempted trust may be migrated to epfo seamlessly as per process.

Most big companies in India have exempted pf trusts.

But ensure to keep a record of your contributions, account details and returns you receive also the rating given to your pf trust by EPFO from time to time.

No need to worry.

Best wishes;

Ans: Good question. Let him do an online certification course about AI and Machine Learning from a good organization who are having collaboration with some reputed IIT like Madras/Bombay/Roorkee.AI & ML are the need of the day. That certification course will enhance the good possibility of placement in a good company. Always for you people. Please don't hesitate to approach me. Best of luck to your son. MAY GOD BLESS HER. Just follow me. Regards.Professor

Ans: Digital marketing calls for technical knowledge including content marketing, social media management, email marketing, web analytics, simple coding, SEO and SEM. Some value added abilities including creative ones like copywriting, narrative, design, and multimedia creation will help you get further. Additionally among your analytical abilities should be A/B testing and data-driven decision-making. Besides, you should have interpersonal abilities involving client and vendor negotiation and communication. Based on the course duration, course curriculum and your fee affordability, you can try for key certifications from Google Digital Garage, HubSpot Academy, Google Ads, SEMRush SEO Toolkit, Google Analytics Individual Qualification, Meta Facebook Blueprint Certification, Twitter Flight School, Mailchimp Academy Certification, and Coursera Digital Marketing Specialization (any one or two of these, depending on the duration). All the BEST for Your Prosperous Future.

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Ans: Karthik, The Biotechnology at NIT Durgapur program offers a strong foundation in core and applied biotechnology, with a strong curriculum integrating biology, chemistry, and engineering principles. The department supports research in molecular biology, bioinformatics, and bioprocess engineering. The program has experienced professors, modern labs, and access to scientific journals. Placement opportunities are modest, but graduates often secure positions in pharmaceutical companies and IT firms. Graduates often pursue master's or doctoral studies in India or abroad. Career prospects improve with higher education or certifications tailored to specific biotech fields. All the BEST for Your Prosperous Future.

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Ans: JEE Link? Please ask your question in detail. Visit NTA Website.

Ans: You have taken the first step by recognising the need to plan. It’s essential to appreciate your intention to secure your financial future. Let’s look at how you can proceed to achieve your short-term and long-term goals.

Your current take-home salary is Rs 53,000, and your EPF contribution is Rs 4,900. However, you lack savings, investments, and an emergency fund. Here's a step-by-step strategy:

Build an Emergency Fund
Set aside funds to cover at least six months' expenses.

Start by saving 10-15% of your salary monthly into a high-interest savings account.

Use Recurring Deposits or Liquid Mutual Funds to maintain this fund for emergencies.

Secure Yourself with Insurance
Health insurance: Maintain your company health policy but add a personal health policy. Choose a policy offering a sum insured of Rs 10-15 lakh.

Term insurance: Buy a term plan covering 10-15 times your annual income. Keep the policy simple and avoid investment-linked insurance.

Budget Your Income
Allocate your income carefully for expenses, savings, and investments.

Use the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for savings and investments.

Avoid unnecessary expenses to increase your saving capacity.

Start Investing Gradually
Short-term goals (1-5 years): Invest in debt funds or recurring deposits. Debt mutual funds are good for stable returns.

Long-term goals (5+ years): Invest in equity mutual funds for higher returns. Choose actively managed funds with consistent performance.

Avoid index funds. Actively managed funds have a better potential for higher returns through professional fund management.

Retirement Planning
Utilise the EPF for retirement. Your current contribution will grow over time with compounding.

Consider investing in diversified equity mutual funds for additional retirement savings.

Corporate NPS: You can explore NPS for its tax-saving benefits. However, don’t rely solely on it for retirement.

Tax-Saving Investments
Use Section 80C to save taxes up to Rs 1.5 lakh.

EPF, PPF, ELSS mutual funds, and life insurance premiums can qualify under this section.

Opt for ELSS funds for tax saving and wealth creation.

Review Existing Expenses
Evaluate and minimise unnecessary expenditures.

Avoid loans for discretionary spending like vacations or gadgets.

Advantages of Using a Certified Financial Planner
A CFP can help you plan holistically and ensure you stick to your goals.

They provide tailored strategies, ensuring proper fund allocation and monitoring.

Invest through a Mutual Fund Distributor with CFP credentials to access professional advice.

Key Steps for Discipline
Automate investments through SIPs in mutual funds.

Track your monthly budget and investment progress regularly.

Avoid direct funds. Regular funds offer professional guidance and fund distributor support.

Tax Implications
For equity mutual funds, LTCG above Rs 1.25 lakh attracts 12.5% tax.

STCG on equity funds is taxed at 20%.

Debt fund gains are taxed as per your income slab. Consider these while investing.

Final Insights
You are in the right direction by seeking advice now. Build a solid foundation with savings, insurance, and investments. Take small steps toward financial independence.

Remain consistent with your investments, and review your financial plan annually.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hi
you have to write the year when you first appeared 12th.

Ans: Hi Shreya
If you are preparing well for JEE MAIN then BITSAT will be easier for you. JEE ADV requires a completely different outlook and approach as it is considered one of the toughest examinations in the world.

In comparison to ADV, the SAT will be very easy for you. But studying undergrad in USA is a very costly affair, if finances are no issue for you then you can go ahead with it.

Recently BITS campuses have started integrated programs with foreign universities wherein you study 2 years in India & 2 years abroad.

Providing a complete road map is not possible here, but I must say that for JEE MAIN sticking to NCERT & PYQs will be very helpful to you.