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Pooja Khera |21 Answers |Ask -Follow

Life, Relationship Coach - Answered on Feb 01, 2023

Pooja Khera has a PGDM in human resources from Amity University and is a happiness and wellbeing coach certified by Yale University. She also has a master's degree in astrology and is a tarot card reader as well.... more

Asked by Anonymous - Jan 31, 2023Hindi

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Hi Pooja, do star signs and zodiac influence your behaviour and the way you respond to difficult situations in life?

Ans: Hi there! So as a professional astrologer who has actually studied the science, it is my opinion that the placement of planets in our horoscope does define our behaviour and a lot of pour personality overall. So yes, it does define and shape our response to difficult situations in life , although this cannot just be the stand alone factor.

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Pooja Khera |21 Answers |Ask -Follow

Life, Relationship Coach - Answered on Jan 17, 2023

Asked by Anonymous - Jan 17, 2023Hindi

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I rarely use astrology anymore, and even then it is just out of curiosity. The more we become self-aware, the more checking into astrology only agrees with what we have already discovered within ourselves.Like looking at the natal charts of Johnny Depp and Amber Heard during this very-public law suit. The astrological conclusion? Inconclusive.

Ans: Astrology is a cosmic form that guides you with how the planetary movements guide our lives, shape our personality and our lives. Self awareness on the other hand helps us work on our habits, attitudes and overall personality. In my opinion, astrology can be used in a lot more detailed form as guidance and a lot more.

Ashwini Dasgupta |104 Answers |Ask -Follow

Personality Development Expert, Career Coach - Answered on Nov 03, 2023

Asked by Anonymous - Oct 22, 2023Hindi

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Career

Hi Ashwini, I had earlier got highly balanced answer so here I am with one more question! At many times, I get unique ideas for business. One of the ideas was also appreciated by one of the Rediff Gurus for start up. My problem is, I immensely believe in Astrology. I have a habit of taking an advice of an astrologer, be it a tarot card reader or numerologist or Vedic traditional astrology. Sometimes, I get encouraging advice and many times, the astrologer rules out success in business because of some planet in a specific house or current planet positions etc. My question to you comes now! Do you think that most successful people have ever followed astrology before starting a venture? or how much weigh I should give to "luck" before venturin out. As of now I have about 6-7 business ideas and they are one of a kind (out of box) and stuck in the US for a job and only way of returning to India is quitting the job and starting my own business in India. Please help!

Ans: Dear Sir/ Madam,

Hope you are doing well.

Apology for the delay in reply.

It's good to belief in something if you are convinced about it. It is also equally true to draw a boundary around the same. For example, if Astrology- it's fine if you have the belief on that science at the same, please understand it cannot shape your future or help you reach goals if you do not take appropriate actions in a timely manner.

Yes, many successful people are/have been following astrology having said that there also cases where this science has not worked for many. So, it's important for you to understand to take the information as a reference point and take the necessary actions.

If you have 6to 7 business ideas, pick the best where you are fully convinced and start with one. Invest your energy, time to make it work. You may also speak to your well-wishers and brainstorm on the different ideas you may have. Please remember not everyone would be convinced or sold to your idea at the end it's your baby only you can nurture it.

Whether you follow astrology or not is a personal choice. While making decisions on any of the ideas you may want to execute you need to also rely on the factual information and it's potential to grow rather than relying solely on the astrology. I agree luck can play a role on any success at the end it's a combination of hard work, consistency, passion, proper planning and so much more.

If you are passionate about your business ideas then is no looking back you will bound to get success. Ultimately the decision to start your business is a personal choice and it should align with your goal, values and circumstances. Weigh the pros and cons and its potential and get going. All the best.

Hope this helps.

To Your Success. Be You. Be Confident.
Ashwini Dasgupta
Author of Confidence Decoded. Is it a skill or attitude?

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Radheshyam Zanwar |1515 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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Career

I am in 11th standard. I love graphics and 3D animation. Is BDesign a good course to pursue? What are some of the best colleges to study BDes in India? I want to do BDes in animation. What will be my starting salary? My parents are not convinced and want me to do a regular course. What should I tell them?

Ans: Hello Dear.
I am glad to hear that you love 3D animation and graphics and want to pursue a career in it. Many colleges offer diploma courses in this field. If you are an expert, salary is no barrier in this profession. Your parents are understandably not convinced, as you mentioned. It would be wise to focus more on your upcoming state-level and national-level engineering entrance tests to secure admission to a promising computer-related B.Tech course. While pursuing your undergraduate degree, you will learn more about coding, which will enhance your skills in 3D animation and graphics. Merely learning software and its applications will help to build your career to some extent, but in the long term, the chances of failure are higher. Listen to your parents and prioritize admission to top-tier engineering colleges. You are still young to make a life-altering decision at this stage. Best of luck for your bright future. Thank you.
Follow me if you like the reply.
Radheshyam

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by aman - Apr 03, 2025Hindi

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Career

Hello sir Sir me 2022-23 me 12th pass ho gya tha par mera 75% nhi tha to me 2023 me jee nhi diya. Uske bad me dubra 2024 me improvement de aur first time jee mains April attiamp diya ( appring dal ke) To kya sir me 2026 me jee mains de skta hu

Ans: Yes, a Higher Secondary candidate who passed their Class 12 exam in 2024 can appear for JEE Main in 2026, as long as they also passed in 2025 or are appearing for it in 2026.

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by stuti - Apr 03, 2025Hindi

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Money

I have worked for 5-6 companies from 2000 and each of the companies had PF ; while the most recent ones are aligned and carried forward some very early ones are not ; how do i check the amounts in each of the accts AND align/ carry forward all my PFs into one account(under UAN #) ? i have all PFs nos and other details

Ans: Hello;

If you have an active UAN then you can easily link your previous pf accounts to your UAN by following simple process given on EPFO portal.

You need to access the EPFO portal, navigate to "One Member - One EPF Account (Transfer Request)," verify your details, and initiate the transfer request, ensuring you have your old and current employer's details available.

Best wishes;

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Shailu - Apr 03, 2025Hindi

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Career

Hello sir Iam 27 years old I have completed my bsc biotechnology in 2018 I have career gap now I want to start my career my doing a job but how to start from where to start iam not getting it which job suits me please suggest me some courses and jobs

Ans: There is a huge gap of 6+ years. Either go for M.Sc Biotechnology or prepare for competitive exams if your age permits. At least do an online MBA for enhancing your qualification. Best of luck. Professor.........................:)

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Aayush - Apr 04, 2025Hindi

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Career

I have given 12th for the FIRST time in 2024 and gave improvement in 2025 Am I eligible for jee advance 2026

Ans: Yes, a Higher Secondary candidate of 2025 can appear for JEE Advanced in 2026, as the eligibility criteria allows for two consecutive attempts after passing the Class 12 or equivalent examination. So you can appear. Professor........:)

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by AYESHA - Apr 04, 2025Hindi

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Money

MY PF IS OF YEAR 2008 WHEN I LEFT JOB I DONT HAVE PF NUMBER ,AADAHR WAS NOT AT THAT TIME HOW CAN I GET MY PF

Ans: Hello;

Contact your employer at that time. They may have records of past employees.

Else visit the EPFO office where your PF account was held and seek support for getting your pf account details.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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Money

I am an 22 year old commerce graduate. I got a job in December. My salary is Rs 16,000 per month. I am ready to invest Rs 2,000 per month. Should I invest in an RD or a chit fund? What about SIPs or mutual funds? Please suggest where to invest and how it can help me.

Ans: Hello;

Chit funds often turn out to be cheat funds so a strict NO.

A RD with a PSU bank is a good way to begin your investment journey.

I recommend you to look at SIPs in mutual funds after your RD matures, you have 6 month of expense coverage as emergency fund and you have bought term life insurance.

Also don't forget to open and invest in NPS for retirement planning.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by Shubham - Apr 04, 2025Hindi

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Money

Sir, Age: 26 Subject: NPS ( National Pension Scheme) Scheme Choice : LC 75 ( Aggressive Auto Choice) Tier : Tier 1 Pension Fund: ICICI Prudential Pension Fund Current value of scheme : Rs. 57927/- Investing Rs. 5600/- on a monthly basis My goals: Want my portfolio to beat inflation and provide a pension of Rs. 1 lakh monthly ( in hopes that beating inflation value of Rs. 1 lakh does not decrease over time) Time horizon : 34 years Questions: 1. Sir will my NPS scheme beat inflation? 2. Is the Pension Fund ( ICICI Prudential) a good choice or should I shift? 3. Will one lakh pension after 34 years be enough to support my lifestyle? (Assuming that everything pans out smoothly) 4. Judging by today's tax law income up to 12 lakh p.a. is non taxable, will I be taxed on my pension still if the law remains as is? (Hypothetical question) My details : 1.Unmarried, never planning on marriage or kids ever. 2.Current utility bills amount to Rs. 15,000 per month 3. Other expenses Rs. 5-7k per month. 4. I have other investments too, but I want to know if I can rely on NPS in old age or not. With this information alone, is retirement with NPS feasible?

Ans: Hello;

Your current expenses add upto 22 K per month.

After 34 years this amount will be 1.6 L per month considering 6% inflation.

This would need a corpus of 5-6 Cr.

Your current investment would fetch you around 1.2 Cr which is quite low.

You need to invest minimum 25 K per month in NPS to expect 5 Cr+ corpus build after 34 years. (A modest 8% return considered from NPS)

Also you may shift from Auto choice to Active choice so as to ensure 75% allocation to equity upto 50 age.(In Auto choice after 35 age equity allocation is tapered down).

You are allowed to have different fund managers for different asset classes based on their performance in respective category.

Current fund manager looks okay however you need to review performance every year.

For generating retirement corpus it is better to have 2-3 investment avenues rather then a single one.

A mix of EPF/PPF, NPS and MFs should be more appropriate.

Best wishes;

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Jan 11, 2025Hindi

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Money

I don't have any salary income but I do stock trading and have short term capital gain of two lakh. What exemption I'll get?

Ans: Trading income/loss also needs to be considered
Only 2 Lakhs STCG shall bear NO Tax

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

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Money

My CTC is 17.40 LPA then how much income Tax will be deducted as per New tax regime. Please Explain as per Tax Slab.

Ans: 138320 for FY 2025-26

See more questions »

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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