Need Expert Advice?Our Gurus Can Help

Ans: Dear Anonymous,
I know these are exciting years, and at this age, you are bound to feel attracted to people. However, it is also important to understand the meaning of boundaries and consent from a young age. If she has deleted your request, it only translates to one thing- she is not ready to let you into her inner circle. Some people are quite private about their social media. If she wanted you to be a part of it, she would add you herself. She sounds like a private person who likes to keep to herself. I would advise you to respect her boundaries. Speak to her as a friend. If there has to be something more than that, it will happen organically. Don't push it.

Hope this helps.

Ans: Dear Anonymous,
I am really sorry that this happened to you, but think about it this way- this happened now, but this could have happened after getting married. I know that it shouldn't have happened to begin with, but since it has already, it's better to look at it from a positive perspective. Why it happened is difficult to say. It is possible that he didn't really know the real you and was expecting you to be someone you are not. And once he realized the truth, he thought ending it now would be better for both of you. I am not sure why he did what he did, but I can tell you that there is no point in thinking about the "why" of the matter. Focus on moving on. I know you were getting attached but it's time to look forward and build a better future. Take some time off this matchmaking thing, and focus on yourself. And once you think you are ready, get back to it with a fresh and positive mind. I want you to understand that not everyone would turn out to be like him.

Best Wishes.

Ans: Hello;

There are many funds that allow Rs. 500 as monthly sip.

However your risk appetite, financial profile and time horizon will determine the type of fund to be invested, into which the sip has to initiated.

You may use online apps such as Groww, paytm money, Kuvera etc to make mutual fund investments online.

Best wishes;

Ans: As a government primary school teacher in Odisha, determining your daughter's eligibility for the OBC Non-Creamy Layer (NCL) status for NEET 2025 involves understanding specific criteria. The OBC-NCL category offers reservation benefits to candidates from Other Backward Classes who fall under the Non-Creamy Layer, primarily assessed based on the family's annual income.

Key Considerations: Income Threshold: The current income limit for OBC-NCL eligibility is a gross annual family income below ?8 lakh. Families exceeding this income are categorized under the Creamy Layer and are ineligible for OBC reservation benefits.

Exclusion of Salary Income: The Government of Odisha has clarified that, for determining OBC-NCL eligibility, the annual income from salaries of Class II and Class III government employees should not be included in the total family income calculation. This means your salary as a primary school teacher (typically classified under Class III) is excluded from the income assessment for OBC-NCL status.

Steps to Ensure Eligibility: Verification: Confirm your family's income details, excluding your salary, to ensure it falls below the ?8 lakh threshold.
Certification: Obtain the OBC-NCL certificate from the local issuing authority. Ensure that the certificate is issued after April 1, 2024, as it must be valid for the NEET 2025 application process.

Stay Informed: Regularly check for any updates regarding income thresholds or eligibility criteria, as policies may change.

By following these guidelines, you can accurately determine and secure your daughter's OBC-NCL status for NEET 2025. All the Best for your Prosperous Future.

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

Ans: Hello;

Definitely the part of amount should be utilised to fulfill her home loan.

However for tax liabilities and avenues to save them, if possible, should be discussed with a CA/tax advisor.

Best wishes;

Ans: As a Bachelor of Computer Applications (BCA) graduate, you are well-positioned to enter the burgeoning field of Big Data Analytics. This industry demands professionals adept at interpreting and analyzing large datasets to inform business decisions across various sectors.

Career Opportunities:

Data Analyst: Interpret complex data to help organizations make informed decisions.

Business Intelligence Analyst: Analyze data to produce financial and market intelligence reports.

Data Scientist: Develop algorithms and models to extract insights from data.

Data Engineer: Design and manage systems for collecting, storing, and analyzing data.

Machine Learning Engineer: Create systems that enable machines to learn and make decisions from data.

Industries Hiring Big Data Professionals:

Information Technology (IT): Companies like TCS, Infosys, and Wipro recruit data professionals for roles in customer analytics, marketing analytics, and fraud detection.


Financial Services: Banks and insurance firms utilize data analytics for risk assessment, fraud detection, and customer segmentation.

E-commerce: Online retailers analyze customer behavior and optimize inventory through data insights.

Healthcare: Medical organizations leverage data to enhance patient care and operational efficiency.

Enhancing Employability:

To improve your prospects in Big Data Analytics:

Advanced Education: Consider certifications or postgraduate studies in data science or related fields.

Skill Development: Gain proficiency in programming languages like Python and R, and familiarize yourself with data visualization tools such as Tableau or Power BI.

Practical Experience: Engage in internships, projects, or freelance work to build a robust portfolio.

By focusing on these areas, you can position yourself competitively in the Big Data Analytics job market. All the Best for your Prosperous Future.

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

Ans: How to Predict Your Chances of Admission After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

Ans: How to Predict Your Chances of Admission After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

Ans: Saravana Sir,

How to Predict Your Chances of Admission After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions! ????

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

Ans: Hi Anuradha,

In the meantime build practical experience by taking elsewhere internships or freelancing opportunities. For example he an consider- intern Shala, LinkedIn and Naukri opportunities.

Looked at completing few certification relevant to his field - for example CompTIA Security+ (Beginner level)/ CEH (Certified Ethical Hacker)/ OSCP (Offensive Security Certified Professional) (Highly valued)

Do networking - meet people / references etc. Join groups on Linkedin and look for opportunities and connect with people

Take up freelancing opportunities to build real time practical experience

Take up softskill trainings- build his skills even on his communication / creating first impression etc.

All of this help him build the gap and importantly enhance his skills and the utilization of his time.

Hope this helps

Thanks
Ashwini
www.ashwinidasgupta.com
Author of Confidence Decoded. Is it a skill or attitude?
Click on https://amzn.in/d/clHomuW for your copy

Ans: As per budget proposal for 2025, for income of 26.5 lacs - deduction of 75k will be available and tax as per new tax regime will be Rs.366600

Ans: Hello Aditya.
With a 63 percentile in JEE Main 2025 and belonging to the SC category, securing admission to top-tier NITs, including NIT Surathkal, especially for sought-after branches like Mechanical Engineering, may be challenging. Given your current percentile, it's advisable to consider appearing for the April session of JEE Main to improve your score and enhance your chances of securing admission to a preferred institution. Frankly speaking, difficult to get Mech @ Surathkal NIT.

Follow me if you like the prompt and satisfied reply. Else ask again.
Thanks
Radheshyam

Ans: There is no change in income tax provision related to PPF and in my view, there will not be tax on PPF in future also

Ans: GATE 2025 Answer Key out Live: Steps to download the answer key
Visit the GATE 2025 official website at gate2025.iitr.ac.in.
Click on the GATE 2025 answer key download link.
Enter the requested details and submit.
The answer key will be displayed on the screen.
Check and download the answer key.

Best wishes.
Professor

Ans: CAT would help in banking and insurance exams. But there is a variation in the syllabus which he might need to take care of. Both can be prepared simultaneously.

Ans: If you have a clear business idea and plan to expand then can go for business, but I would still recommend doing MBA as in long run MBA could help in lot of ways like knowledge, networking, etc. Else if you have not yet started your business then MBA better option.

Ans: Amrita Cochin is an approved institution. So You can join to pursue MBBS.
You can enroll in any courses or colleges, provided they are approved by the appropriate body, council, or regulatory authority.
Before making a decision, take the time to evaluate the facilities, faculty, and the medical bed occupancy rate.
All these aspects are positive at Amrita.

Ans: Hello dear.
Your question is unclear. It is not clear in which exam you received a 57th percentile and a 64th percentile. Additionally, it's unclear what eligibility you are asking about. Please ask again with more clarity for a better response and suggestion.
Undo change

Follow me if you would like a prompt reply. Else ask again without any hesitation.
Thanks
Radheshyam

Ans: Hello dear.
With a score of 97.83 + EWS, your chances of admission to NITs are there. It's better to attempt 2 JEE (Main) and state-level engineering entrance tests for better options. You can also think about IIIT for CSE opportunities.

Follow me if you would like a prompt reply. Else ask again without any hesitation.
Thanks
Radheshyam

Ans: Hi Shrikant,
The DigiLocker app has been approved by the central government and is owned by them, so there is no issue with its use.
DigiLocker is a flagship initiative of Ministry of Electronics & IT (MeitY) under Digital India programme. DigiLocker aims at 'Digital Empowerment' of citizen by providing access to authentic digital documents to citizen's digital document wallet. DigiLocker is a secure cloud based platform for storage, SHARING and VERIFICATION of documents & certificates.

Our government will be happy by using the app for the digital reference purpose.
GO AHEAD.

Ans: I think iiit bhopal cse better

Ans: Hello Ijaz
If you compare the syllabi of state and CBSE boards, there is hardly any difference; only the board examination pattern differs. A student from any board can succeed in any national-level examination like JEE or NEET or their equivalents. Many parents opt for the state board from PUC, i.e., from 11th standard. There are several reasons for this. The examination pattern of the state board is much simpler than that of the CBSE board. Additionally, the CBSE 12th board examination is conducted over at least one month, which is frustrating for parents and students. Due to this problematic examination pattern, the average student struggles to focus on both the board and the JEE/NEET syllabi and examinations. Many CBSE schools (11th and 12th grades) compel students to attend school, which is not always necessary. On the other hand, many state board schools and colleges give students the freedom regarding their attendance. Therefore, it is advisable to choose a state board college or school that does not require full attendance. This flexibility allows students ample time for self-learning and attending coaching classes.

Follow me if you would like a prompt reply. Else ask again without any hesitation.
Thanks
Radheshyam

Ans: Hello Sai
With a score of 90 + ABC category + Female, it isn't easy to get NIT Watangle. Better to attempt 2 JEE (Main) and state-level engineering entrance tests for better options available. But you can try IIIT which is a better option for you at this percentile.

Follow me if you would like a prompt reply. Else ask again without any hesitation.
Thanks
Radheshyam

Ans: Pawan Sir,

How to Predict Your Chances of Admission After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

Ans: Amrita Coimbatore's CSE program is one of the best among private colleges in India.

Ans: With 99.08 percentile in JEE Mains, ST category, female, and Uttar Pradesh domicile, you have an excellent chance of getting CSE in top NITs.

Ans: Hello mam
I am sorry to hear about the loss your business made in covid. That time was a real challange for all of us.
Lets focus on your problem now. Mam, as now you are living with your in laws, I am sure your husband must be feeling bery secure and happy. But you may have some challanges. Diffrence of opinion always occur in joint families specially when parenting of kids are involved coz they want to raise your kids according to them which can sometime create conflicts Between the family members. Tou can discuss the matter with your husband without blaming anyone and then with his help you can talk to your in laws to support a little bit so that you can also search further for a job. This will increase your satisfaction level and you ll be happy in your family.
Think about it and try this out. I am sure it will work. Plz do tell me your feedback. Take care !
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

Ans: Hello mam
Apne ye bahut acha socha ki aap is relation se nikalna chahti hain. Jis tarah aap bata rahe ho ye insaan mujhe toxic lag raha hai jo apne fayde ke liye apko fasa ke rakhna chahta hai. Is nikalna hi behtar hai. Us insaan ko aap firmly clear kar dijiye ke aap uske sath koi relation nahi rakhna chahti. And usse contact tod dijiye. Apne husband ke sath kahin holiday pe ja skte hai taaki apka dimag bhi us taraf na jaye. Kyuki waise bhi is relation ka koi future nahi hai.
Apne pe bharosa rakhiye and is toxic relationship ko chod dijiye.
All the best!
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

Ans: Hello mam
I understand that you are confused. Plz don't be confused. There are many male friends whom you are close to but can't think of a life long commitment.
Secondly, if your parents don't want you to have a intercaste marriage but you are fully sure that you want to marry this guy, then sit patiently with your parents and share your feelings with them. But their validation is very important for any relationship. Acknowledge your feelings, understand them and then go ahead.
I hope this will help you.
All the best !
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

Ans: Hello mam
I understand that you are going through this problem. If you like someone, and you want to marry him, then you can talk to your parents. If both the sides agree then atleast you do a small ceremony and then wait for few years to settle down. But as in this process both the families are involved then should be agree to this. Talk to them and give yourself and your families some time to decide.
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

Ans: Please ask the authority with whom the Marksheet will be submitted.

Ans: Hello mam.
I can see that you felt disappointed by his comment by as you said that he said it in a casual way...Just sot patiently and think about it. May be you should give some more time to your relationship. With time, you will be able to understand him more. And then it will be easy for you to decide for your relationship. Till then forget the thing and give him a fair chance to prove himself. I hope this works for you. You can get back to me anytime you feel like discussing anything.
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

Ans: Hello;

You will need a corpus of around 10 Cr to generate post-tax monthly income of 2 L+ thru SWP(3%).

Home loan has to be settled before getting into retirement through own savings and accruals.

A provision of 50 L-1 Cr for daughter's(13 years from now) higher education considering burgeoning education inflation in India, not captured by WPI or CPI index, is desirable.

Best wishes;

Ans: May be iiest shibpur

Ans: May be

Ans: Hello;

You are well on course to achieve your target. Appreciate your commitment towards building a retirement corpus early.

Funds look good but please review their performance annually vis-a-vis category average and benchmark for risks and returns.

As you cross 50, taper down equity allocation gradually to 10% at 58.

As you approach retirement move your gains to safe avenues to avoid getting impacted by market volatility.

Best wishes;

Ans: Hello;

If it is an RBI regulated lending agency then you may lodge your grievance with ombudsman at RBI.

They can intervene to restructure the loan considering your job loss and illness.

Best wishes;

Ans: Hello;

I do not recommend doing an SWP at more then 3% and doing so on a 3 Cr corpus just about gives a post tax monthly income of 65 K with no scope for any buffer.

You should aim for a corpus of atleast 4 Cr. This will help you in two ways:

1. It will provide higher disposable monthly income in your hands

2. It may take 6-7 years to accumulate so the time in retirement will be comparatively lesser.

Also do keep an emergency fund worth 8-10 months regular expense coverage and ensure adequate healthcare insurance for yourself and your family now which may be continued in retirement.

Lastly, the portfolio must be more oriented towards large cap and hybrid funds for 6-7 years.

Best wishes;

Ans: Hello Sir,
Congratulations for a good score. There is still some scope for improvement, with a few tips we can improve her score more and increase her chances of getting these seats in tier-I NITs or IIITs. Currently she may get Tier-II, since session-II is pending, we can increase her chances for tier-I.

There are a few tricks that you can follow and go above 98%ile with a little more effort, and can get a seat in a good NIT or IIIT.

In case of any queries & professional help, you can DM me through insta handle CAREERSTREETS I will help you out.

Ans: Hello;

You may hold ~10% of your portfolio in the form of gold fund/ETFs for diversification and risk mitigation.

Also do annual review of your funds vis-a-vis category average and benchmark for risks and returns.

Buy an adequate term life insurance cover for yourself.

Rest looks quite good.

Ensure steady passive income source and own house before you get into business.

All the best for your business endeavours.

Best wishes;