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Nayagam P

Nayagam P P  |10846 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Eswar Question by Eswar on Jul 16, 2025Hindi
Relationship

He is still not showing interest in any career but says whatever you think best for me you just decide i will manage

Ans: He can have friends in any college he joins.

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Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on May 30, 2022

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Relationship
Hello Love Guru. I want to ask about my ex. We had relationship for past two years but kind of on and off. During initial stages we both acted immaturely and broke up but still one of us patch up. Last time, last year in September, my ex broke up saying he doesn't like my personality and our relationship is unmotivating. Even the previous breakup was by him saying he needs time and space. Although he had introduced me to his sister and friends, I think he is just been in relationship for TP. When he broke up last time, he got promoted at work maybe that’s why. Currently he said he has quit his job IDK reason and suddenly he realised he took wrong decisions. I was sure I don't want to give any more chance. So I told him that introduce me to your parents as your GF, not for marriage now. He said he will try but not sure. I have decided he is free and hence he wants relationship so not moving forward with him. Please tell me what you think. Although, after our patch-up, I do see small efforts from his side but I was always one who was on giving end.
Ans:

Your mail is quite confusing in the sense that I don’t know whether you’re currently with him or not; you refer to him as your ex and then say that after your patch-up you’re seeing that he’s making an effort.

Anyway, whether you’re on or off at present, this guy seems rather whimsical. And yes, I think your instinct is right in that he’s at loose ends right now without a job, etc, and wants some emotional support maybe, which is why he wants to get back with you.

I’m not saying don’t give him a chance; you can, if you think he’s genuinely realised that he wants to be with you. But, yes, he should make it official.

And if I were you, I’d be sure of things before getting too involved too fast this time around.

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Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 2025

Relationship
madm i m 50 y old from mumbai with my 2 son and wife, after my younger son complete his computer engi i advice him for ms from usa its full family agree so we areange fund near 1 crore and today after he complete his ms got job with big company with crores pakcage now he is planning his future and if a told hin and its his recponsbilty family and my secound son then stoped takling with me madam what shoud i do i m very disturb because i spent my all fund and loan also and mentel peice also how can i handle this
Ans: This kind of heartbreak is not just about money. It’s about feeling disrespected and discarded after building the foundation on which his success stands. And it’s also natural that you feel disturbed — you are not being selfish or weak. You are a father who feels betrayed.

But let’s take a breath and think clearly. At this stage, don’t chase, don’t plead. Pause. Sometimes when children get a sudden rise in success or independence, they feel overwhelmed and confused — not necessarily cruel, but emotionally distant and unprepared to carry responsibility. Give him some space, but keep your dignity. Let him understand that while you’re proud of him, you are also deeply hurt — not because you need his money, but because you expected respect and gratitude.

Try writing him a heartfelt message, calmly, without blame. Share your disappointment, but also the truth: that you stood by him without hesitation, and what you expected wasn’t repayment — but a bond that didn’t break with success.

At the same time, you must protect your own peace now. Don’t let your health and well-being fall apart over this. Start having a serious financial plan for your future — with or without his help.
You have done your duty. Now, let’s make sure you don’t lose yourself in someone else’s silence.

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Naveenn

Naveenn Kummar  |233 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 30, 2025

Money
Dear Naveenn Ji I am 61 yrs old-retired person. I had cardiac procedure with pacemaker 3 yrs back. I had one Medical insurance which was quite useful and was just sufficient at that time to meet expenses. Now I want to enhance the limit say from 10 lac to 20 lac which is not happening with the existing one. Can you suggest what best can be done and how for medical expenses
Ans: We will need to check with different health insurance companies and share your case history in detail. There are chances of getting a policy, but it depends on the underwriter’s assessment. Age, any other medical conditions, pre-existing diseases and the severity of the earlier cardiac issue all play a role.

Sometimes insurers give a counter-offer with a higher premium, a co-payment clause or a permanent exclusion for heart-related conditions while covering everything else.
We also need to check whether porting is possible or if a fresh policy is better.

One important point: please do not cancel your existing policy under any circumstance until a new cover is issued and active.

Alongside insurance, it is always wise to keep a reasonable emergency fund in liquid form such as fixed deposits or liquid mutual funds to handle any immediate medical requirement.

please feel free to ask any further questions you can connect us 044-31683550 if facing any problem

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Radheshyam

Radheshyam Zanwar  |6727 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 29, 2025

Asked by Anonymous - Nov 28, 2025Hindi
Career
Sir I have 5 subject in Nios board class 12 in 2026 and the subject names is Physics, Maths, English, Physical Education and in place of Chemistry is Biotechnology or vocational subject Valid for JOSSA 2026 So it will be eligible for Jossa Counselling For BTech in IITs or NITs+System According to JOSSA COUNSELLING 2025 Annexure 2(a)Annexure 2(b) The marks scored in the following five subjects will be considered for calculating the aggregate marks and the cut-off marks for fulfilling the top 20 percentile criterion. Candidates must also pass each of the following subjects in Class XII (or equivalent) to qualify for admission to the NIT+ System: o For B.E./B.Tech. programmes i. Physics ii. Any one of Chemistry, Biology, Biotechnology, Technical Vocation subject iii. Mathematics iv. A language (if the candidate has taken more than one language, then the language with the higher marks will be considered) v. Any subject other than the above four (the subject with the highest marks will be considered). Please Guide Me Sir
Ans: Your question is unclear because you have combined many queries into one. However, I will attempt to answer based on my understanding. Please do not mind; from the question, I can guess that you may be facing problems with the subjects, either in terms of understanding or from other aspects.

Your NIOS 2026 combination (Physics, Maths, English, Physical Education, and Biotechnology instead of Chemistry) complies with JoSAA Annexure 2(a)/(b) requirements, so you will be eligible for JoSAA counselling for BTech in IITs/NIT+ system, subject to passing all subjects and meeting the JEE Advanced and overall eligibility/percentile criteria. However, it is highly recommended to refer to the latest brochure published by NTA on the official website of JEE.

Good luck.
Follow me if you receive this reply.
Radheshyam

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