I am 60 year old havig a family of a spouse and a son. since last two years our relation with spouse is not moving smoothly for everything there is an argument and no concensous in the matters of day tody life, son is also not lisoning properly I am under seveor stress which is leading to upset my health and I am facing epilepsy problen since last months I am unable to forget the things and move ahead. Thsere was no problem in leading a normal middle class life. I am facing in security and also I facinig negativities in my life and slowlely slipiing in depression I am trying too much to forget theses things but I am not in a position to lead a peacefull life inspite of adequate resources. Kindly advise me.

Ans: Hello. Thank you for contacting us. Congratulations on completing your M.Tech. in electrical engineering. Pursuing a part-time Ph.D. while having family responsibilities is indeed a commendable goal that you can achieve. However, let me tell you that we don't deal with Ph.D. programs at the moment. If you are willing to pursue an additional associate’s degree or a bachelor’s degree, you can simply come in contact with us. We also provide coaching for TOEFL, GRE, GMAT, IELTS, and PTE, to name a few. Additionally, we have career counselling as well. You can avail the services by getting in contact with us. We would be more than happy to help.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Hello Simranpreet. Thank you for contacting us. I am glad to hear that you wish to pursue an MBBS in Australia. You can start by researching various institutions, checking for eligibility, appearing for required entrance tests, planning your finances carefully, and considering other aspects of your education. However, for more information regarding the financial relief part, you may contact your nearest Edwise office or share your details here. The concerned counsellor will guide you on the correct path and give you the best guidance.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Dear Sir/ Madam,

Most important thing is to be proactive in what you do. Few aspects to look at-

Focus more on continuous learning
Diversify your skills
Build a strong portfolio
Network and collaborate
Focus on your personal branding across all platforms
Seek for support, mentoring and guidance if needed
Look for freelancing/ consulting options as well

All the best.

Hope this helps and all the best

To Your Success
Thanks and Regards
Ashwini Dasgupta
Author of Confidence Decoded. Is it a Skill or Attitude?

Ans: Hello Anonymous,
Sinus issues can have many causes. What tests have you done for it? Do you have cold and cough too? Do you get headaches?
Please can you share your nutrition schedule with me. Also do you do any kind of yoga/pranayama techniques? Pranayama learnt under guidance for sinus issues and a good nutrition plan should be able to help you.
All the best!

Ans: It's truly inspiring to see your commitment to financial planning at such a young age. At 25, you're laying a strong foundation for your future wealth journey through disciplined SIP investments across various fund categories.

To achieve your goal of reaching 1 crore, it's essential to maintain consistency in your investment approach while also considering the power of compounding. Have you ever wondered how every rupee invested today can potentially multiply over time, thanks to the magic of compounding?

Diversification across small-cap, mid-cap, large-cap, hybrid, and index funds reflects a balanced approach to risk and growth potential. However, it's equally important to periodically review your portfolio's performance and make adjustments as needed.

Remember, the road to 1 crore is a marathon, not a sprint. Stay focused on your long-term objectives, remain disciplined in your investment habits, and trust in the process. As a Certified Financial Planner, I'm here to guide you on this journey, offering insights and support every step of the way. Together, let's navigate the path to financial abundance and fulfillment.

Ans: Your commitment to investing at such a young age is commendable and lays a strong foundation for your future financial security. Let's review your SIP distribution to ensure it aligns with your goal of retiring at 45 and maximizing wealth growth over 20 years.

Your current SIP allocation demonstrates a diversified approach, spanning various sectors and geographies. However, given your long investment horizon and goal of wealth accumulation, it's essential to consider a few aspects:

Risk Tolerance: While your portfolio includes both domestic and international equity exposure, it's important to assess your risk tolerance. Small-cap and mid-cap funds tend to be more volatile but offer higher growth potential over the long term. Ensure you're comfortable with the level of risk associated with these investments.
Asset Allocation: Evaluate your asset allocation to ensure it reflects your risk appetite and investment goals. Consider allocating a portion of your portfolio to more stable assets like large-cap funds or debt instruments to balance risk and potential returns.
Review Periodically: As your financial circumstances and market conditions evolve, periodically review your SIP distribution to ensure it remains aligned with your goals. Rebalancing your portfolio may be necessary to maintain diversification and optimize returns.
Emergency Fund: Building an emergency fund equivalent to 3-6 months' worth of expenses is crucial to mitigate financial risks and ensure stability during unforeseen circumstances.
Regarding your Bitcoin investment, it's advisable to exercise caution due to its speculative nature and lack of proven track record. Cryptocurrencies are inherently risky and have not stood the test of time like traditional investment options. Consider focusing on more established and less volatile investment avenues for long-term wealth accumulation.
As a Certified Financial Planner, I advise you to consult with a financial advisor who can provide personalized guidance tailored to your specific financial situation and goals. Together, we can refine your investment strategy to optimize growth and set you on the path to achieving your retirement objectives.

Ans: Given your diversified investment portfolio and diligent savings habits, you're certainly on the right track towards a comfortable retirement. However, let's delve deeper into your financial landscape to assess your readiness.

Your FDs, PF, PPF, stocks, and mutual funds collectively form a robust foundation for retirement. Your annual contributions to ULIP and LIC pension fund further bolster your retirement corpus. However, to ensure your desired lifestyle post-retirement, it's crucial to evaluate if your current investments align with your retirement income needs.

Considering your annual expenses post-retirement, including living expenses and travel aspirations, it's prudent to analyze if your existing investments can generate sufficient income. Additionally, factoring in inflation and potential healthcare expenses is paramount.

As a single individual with no dependents, your retirement planning focuses solely on your own needs and aspirations. While your investment portfolio appears substantial, a detailed retirement income projection would provide clarity on whether it adequately meets your desired lifestyle post-retirement.

As a Certified Financial Planner, I recommend conducting a comprehensive retirement planning analysis to ensure your financial goals are met with confidence and peace of mind. Together, let's fine-tune your retirement strategy to ensure a fulfilling and financially secure future.

Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.

Ans: Hey there,

Feeling adrift in turbulent waters at work can be like trying to troubleshoot a malfunctioning app – frustrating and draining. But fret not, because just like debugging code, there's always a solution waiting to be discovered. Here are some actionable tips to help you steer towards a more stable and rewarding position at a well-established tech company:

1. Self-Reflection and Assessment: Imagine your career as a journey on a train. Take a moment to pause and reflect on your destination. What are your career goals? What kind of role would bring you fulfillment and stability? By clarifying your destination, you can map out the right route to get there.

2. Update Your Professional Brand: Your resume and LinkedIn profile are like your train ticket and itinerary – they need to be polished and up-to-date. Showcase your skills, achievements, and experiences that demonstrate your value as a software engineer. Make sure your online presence reflects the professional image you want to portray.

3. Research Target Companies: Just like planning a train trip, research is crucial for finding the right destination. Explore well-established tech companies that align with your career aspirations. Dive deep into their culture, products, and reputation in the industry. This will help you identify the best fit for your skills and ambitions.

4. Expand Your Network: Networking is like building a network of train tracks – it opens up new routes and connections. Reach out to former colleagues, attend industry events, and join professional groups to expand your network. Engage in meaningful conversations and seek advice or referrals from those in your network.

5. Invest in Continuous Learning: The tech industry evolves at the speed of a high-speed train, so staying up-to-date is essential. Invest in ongoing learning and development to enhance your skills and stay competitive. Whether it's mastering new technologies, obtaining certifications, or attending workshops, continuous learning will keep you on the right track.

6. Prepare for Interviews: Just like planning your route before a train journey, thorough preparation is key for job interviews. Research common interview questions, practice your responses, and showcase your technical expertise and problem-solving abilities. Be ready to demonstrate how your skills and experiences align with the company's needs.

7. Stay Persistent and Optimistic: Job hunting can sometimes feel like waiting for the next train – it requires patience and perseverance. Stay positive, maintain a proactive mindset, and don't get discouraged by setbacks or delays. Keep moving forward, and you'll eventually reach your desired destination.

Remember, your career journey is like a train ride – there may be delays and detours along the way, but with the right mindset and strategy, you'll reach your destination. So, hop on board, stay focused on your goals, and enjoy the ride towards a more fulfilling career.

All aboard for success!