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Ans: Dear Yug,
You have not mentioned the breakup details of your experience in the above fields. I would suggest to stick to the one which suits your expertise and keeps you motivating.

Ans: Dear Anonymous,
I'm really sorry to hear that you're feeling this way, but it's important to remember that you're not alone in experiencing these feelings. Many people go through similar struggles, and it can be helpful to talk about your emotions and seek support. Here are some steps you can consider:

Talk to a Therapist or Counselor: Speaking to a mental health professional can be incredibly beneficial. They can help you explore your feelings, provide guidance on coping strategies, and assist you in finding a sense of purpose and happiness.
Express Your Feelings: Don't keep your feelings bottled up. Share your concerns and frustrations with trusted friends or family members who may be understanding and supportive.
Self-Reflection: Take some time to reflect on your own desires and what truly makes you happy. It's essential to prioritize your own needs and goals, rather than solely conforming to the expectations of others.
Set Realistic Expectations: Understand that everyone's path in life is different. Comparing yourself to your siblings or anyone else can lead to unnecessary stress and unhappiness. Focus on your own journey.
Seek New Experiences: Sometimes trying new things and stepping outside your comfort zone can help you discover what brings you joy and fulfillment. This could involve pursuing new hobbies, interests, or career opportunities.
Practice Self-Care: Make self-care a priority. Engage in activities that bring you peace and relaxation, such as meditation, exercise, or spending time in nature.
Find Your Passion: Discover what truly excites you and gives you a sense of purpose. It might involve exploring different career paths or pursuing further education in a field you're passionate about.
Set Small Goals: Break down your long-term goals into smaller, manageable steps. Achieving these smaller milestones can give you a sense of accomplishment and motivation.
Challenge Negative Thoughts: Challenge and reframe negative thoughts. Cognitive-behavioral techniques can help you change your perspective on life and your own worth.
Seek Support Groups: Consider joining support groups or communities where you can connect with others who may be going through similar experiences. Sharing your journey with others can be empowering.
Remember that it's okay to seek help and take the time you need to find your path to happiness. Your life is not defined solely by the expectations placed on you in the past, and you have the power to shape your own future.

Ans: yes, huge problem with management. Stay Away

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Good for Long Term.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Each institute has its entrance criterion, and strengths, study each one and make a choice. many choices are also a function of your scores, aptitude tests, and interviews by the institutes. To gain an edge, you can seek out research opportunities, internships, and projects that align with your interests and career goals. Additionally, you can also vie for strong letters of recommendation from professors or mentors who can vouch for your academic and research capabilities.
while graduating from reputed institutions like IITs, NITs, and BITS can provide certain advantages, your future prospects will largely depend on your individual efforts, dedication, and the skills and experience you gain during your academic journey.

Ans: The scope of B.Sc. B.Ed. programs can be promising for individuals interested in teaching science subjects. Depending on herchoice of subjects during the B.Sc. component of the program, she can specialize in science disciplines like physics, chemistry, biology, or mathematics. This specialization can open up opportunities to teach those subjects at higher levels. She can also choose to work in educational research or curriculum development.

Ans: FIrstly, please ascertain whether the Old Tax Regime is beneficial to you or the New Tax Regime. If it is the new one, you do not have to bother about saving any income tax as there are hardly any deductions available in it but the tax rates are lower. If Old Tax Regime is beneficial to you, then the tax benefits are available to you only if there are special circumstances for you, eg, you take a home loan and loan interest saves a bit of tax under IT Section 24(b), education loan under Section 80E, disability of self and/or dependents under Sections 80DD, 80DDB, and/or 80U, etc.

Ans: Mujhe uthna Hindi nahi aatha hai
Please excuse me for not writing in Hindi.
You need to check your sugar periodically and keep it under control. High blood sugar brings in pain

Ans: Triglycerides are directly through your diet. Please consult a functional Nutritionist to have the most ideal diet for you and follow that regularly.
Have early dinner before 6.30 pm and avoid animal protein and fat for dinner

Ans: Please adopt lifestyle changes. Most important is to reduce high protein diet and reduce weight.
Also check her footwear

Ans: Mita Aahara(moderation in food) , Mira Vihaara Moderation to activities) and Mita Aayasa(moderation to rest) are key to good health. A good quality sleep is needed than the quantity of sleep

Ans: Kindly check your Serum thyroid levels.
Your Metabolic rate may be set high due to hyperthyroidism
Also look into possibilities of worm infestation
If there is significant weight loss with erratic bowels and digestion then gluten sensitivity also need to ruled out.
Avoid wheat and wheat products for a month or two and see

Ans: Quitting smoking us best

Ans: Bring your dinner time discipline - Early dinner before 6.30 pm and light dinner with no animal protein and fat

Ans: These readings point towards early stage fatty liver. Kindly look into your lifestyle and see where you can work and fine tune
The most important are early dinner before 6/6.30 pm and light dinner with no animal protein and fat. Increase your phtsical exercices too

Ans: If 133 is your lower limit that is, diastolic pressure then this needs to be Consulted and followed up with your family Physician. If this is the range of the upper reading then also 160 is high
Please consult your Physician for regular periodic check up. Reduce the intake of Salk Avoid all sauces, dips and chutneys with preservatives

Ans: Tingling in both hands is a result of your bend neck posture /desk work most importantly Mobile use.High Pulse rate is due to shallow breathing.
Start looking in to these, aspects and reduce your screen time, correct your posture and follow some effective breathing practices

Ans: Sleep is a movement. We need to practise through the day the right kind of posture, fulfilling different roles and balance in activity
Engaging the physical body and experiencing it as a whole will help in good sleep.
Regulate your day with Yoga, breathing exercise/Pranayama, Actively connecting with nature through walks and outdoor activity and meeting the day at work will balance your physical, Emotional and mental body.
Early dinner before 6.30 pm and light dinner with no animal protein and fried items will help

Ans: Piles as external mass may not be an indication for surgery.
But if there is straining at stool which might precipitate Hernia in an aging abdominal muscle and bleeding piles are definite indications to get it removed. In the absence of bleeding,
Manage your bowel movement without strain is the way to manage non invasively

Ans: Ma de debarment Syndrome is a disorder affecting the vestibular sense.
Sea journeys can aggregate the symptoms
More than medication there is a lot of movement preparation which might help manage the symptoms along with medicines.
Please consult a good movement therapist who could address this. To me, vestibular rehab exercises will have a good supportive role in this condition

Ans: I appreciate your interest, but as a coach, my focus is on providing guidance and support to individuals and couples based on their unique situations and needs. I don't share personal information about my own life, as it's important to maintain professional boundaries and confidentiality in our coaching relationship. If you have any questions or concerns related to your own relationship or any other topic, please feel free to ask, and I'd be happy to assist you in any way I can.

Ans: It's entirely normal to feel this way after a setback, but it's important to remember that setbacks are a part of life, and they can provide valuable learning experiences. Here are some steps you can take to get out of this phase, start afresh, and work towards your goals while reducing self-criticism:

Allow Yourself to Feel: It's okay to feel disappointed, frustrated, or low after not achieving your desired outcome. Give yourself permission to feel these emotions without judgment.
Self-Compassion: Treat yourself with kindness and understanding. Don't be too hard on yourself. Understand that not achieving a specific goal does not define your worth as a person.
Reflect and Learn: Take some time to reflect on what went wrong and what you could have done differently. This reflection can help you identify areas for improvement in your study habits, strategies, or approach to exams.
Set Realistic Goals: Set achievable and realistic goals for yourself. Break down your larger goals into smaller, manageable steps. This can make your goals feel more attainable and less overwhelming.
Create a Study Plan: If you're planning to retake the NEET exam or pursue another academic path, create a structured study plan. Make sure it's realistic, includes regular breaks, and allows time for revision.
Seek Support: Talk to friends, family members, or a counselor about your feelings and aspirations. Sharing your thoughts and feelings with others can provide emotional support and fresh perspectives.
Positive Self-Talk: Replace self-criticism with positive self-talk. Challenge negative thoughts and replace them with constructive and encouraging ones. Remember that setbacks do not define your future success.
Focus on Well-being: Pay attention to your physical and mental well-being. Exercise regularly, eat a balanced diet, get enough sleep, and practice relaxation techniques like meditation or deep breathing to reduce stress.
Stay Motivated: Find sources of motivation and inspiration. This could be reading success stories, attending motivational talks, or connecting with people who have achieved similar goals.
Stay Persistent: Success often involves facing setbacks and obstacles. Keep in mind that perseverance is key to achieving your goals. Stay committed to your studies and your personal growth.
Consider Alternatives: If you find that pursuing a competitive exam isn't the right path for you or that it's causing you too much stress, it's okay to explore alternative career options that align with your interests and strengths.
Remember that success is a journey, and setbacks are a natural part of that journey. Use this time as an opportunity to learn, grow, and come back stronger. You have the potential to achieve your goals with determination, self-compassion, and a well-structured plan.

Ans: Hello Rakhi,

First and foremost, thank you for contacting us. I am extremely excited to hear that your daughter intends to pursue her Master's from Germany after the completion of her Bachelor’s degree in Computer Application. As as answer to both your queries, consider the following:

1. Prerequisites for English Language Test: Considering your query pertaining to any English language test requirement, I would like to inform you that Master's degree courses are offered in English by the majority of German universities. To secure admission to these programs, students are required to prove their English language competency. The Test of English as a Foreign Language (TOEFL) and International English Language Testing System (IELTS) are the English language tests that are commonly accepted. Remember that each university and program has its unique score criteria. The particular programs and universities of your daughter’s choosing may have varying prerequisites for language proficiency, and thus, I recommend that you visit each university’s official website and look into the admission criteria.

2. Living Expenses in Germany: With regards to your second question pertaining to the cost of living in Germany, I would like to tell you that although international students are offered either tuition-free or very low cost of education by a number of German universities, it’s crucial to take into account the living expenses. Based on your daughter's way of life and the city she lives in, the living costs can differ. Some estimated monthly expenditures, however, are mentioned as under:

Cost of meals: Your daughter can expect to pay between €150 to €300 as the monthly expenses for groceries and meals.

Cost of Textbooks and Study Resources: I recommend that your daughter would need to keep aside €30 - €50 each month for the same.

Housing Costs: On deciding to study abroad, I feel that accommodation costs can be one of the most expensive charges. Based on the city, the rent per month for a shared flat or student dormitory can cost roughly between €300 to €600 on average.

Travel Costs: The cost of public transport can differ from city to city. Your daughter may need to pay monthly charges ranging from €30 to €80 for the same.

Medical Insurance: To study in Germany, obtaining a medical insurance is a necessity. Although the cost can differ, the typical monthly charges for students ranges from €80 to €100.

Other Expenditures: Other expenditures that your daughter may need to spend for include purchasing personal belongings, recreational activities, and any other unexpected costs. For the same, I recommend that she keep aside an extra €50 to €100 per month.

Based on the student’s lifestyle and the city he/she resides in, the total cost of living in Germany per month can typically range from €600 - €1,200. Please remember that these are just estimated values, the actual costs however, may differ. To help alleviate the high costs of studying in Germany, I recommend that you daughter looks into the available scholarship possibilities or part-time employment prospects. Since the costs of living can greatly differ between different German cities, I suggest that your daughter conducts an extensive study on the costs of studying in the city of her choosing.

For more information, you can visit our website.

Ans: Hello Aditya,

To begin with, thank you for getting in touch with us. I am glad to hear about your plans on pursuing a Master’s degree after the completion of your Bachelor’s. To answer your question first, I would like to inform you that your professional objectives and interests will play a key role in deciding whether to pursue a Master's in Data Science or Master’s in Artificial Intelligence (AI) in Germany. I suggest that you follow the points mentioned below in order to make an informed choice:

1. Get to know your interests: As you have previously mentioned that you have an affinity for both, the field of Data Science as well as the field of Artificial Intelligence (AI), I would suggest that you spare some time to dive deeper and acquire a deeper understanding of both the fields. Familiarize yourself with the particular subjects, course of study, as well as the employment opportunities offered within both the fields as these can prove beneficial in assisting you in deciding which among the two resonates with both, your interests as well as your future ambitions.

2. Research University Standing: As the second step in the process, I would suggest that you conduct an extensive study on both, the universities’ repute as well as the standing of the universities in Germany that provide a Master's in Data Science or Master's in Artificial Intelligence (AI). Remember, your professional possibilities can be greatly boosted through studying at a university with high repute in your preferred field of study.

3. Examine the availability of courses: Next, I would suggest that you check the availability of courses. Keep in mind that although specialized Master's degrees in the fields of Artificial Intelligence or Data Science are offered at certain universities, students’ on the other hand, may be offered courses by other universities that include both disciplines or enable them to specialize within their Engineering or Computer Science programs. I recommend that you conduct a study on German universities offering these programs to decide which programs best match your hobbies and interests.

4. Investigate the Program’s Curriculum: Be sure to look into your preferred programs’ curriculum or content. Machine Learning, Data Analysis, and Statistics are emphasized on in Data Science courses. On the other hand, programs in Artificial Intelligence (AI) cover topics like Computer Vision, Robotics, and Natural Language Processing. I would suggest that you investigate courses that align with your professional objectives.

5. Fulfill Language Prerequisites: For the programs you intend pursuing, I would suggest that you look into the language prerequisites for each. Master's degrees are offered in English at the majority of universities in German. Nevertheless, some universities may require students’ to be fluent in the German language.

6. Build Networks and Engage in Internship Possibilities: The technology sector in Germany is expanding. Acquiring hands-on experience can prove beneficial when embarking on your professional journey, and for this reason, I would suggest that you investigate programs offering both, chances to network with business experts, as well as internship placements.

7. Look for Scholarship Possibilities: Studying overseas can be costly. Nevertheless, scholarships help alleviate the cost of studying. I recommend that you look for scholarship possibilities offered by the universities.

8. Take into account your Professional Ambitions: I recommend that you pay heed to your professional objectives. Enrolling in a program in Data Science would be appropriate if you intend pursuing a career in the data engineering, predictive analytics, or business intelligence fields. On the contrary, pursuing a program in Artificial Intelligence (AI) deems fit if you enjoy working on state-of-the-art AI research, wish to enter the field of autonomous systems, or enjoy creating AI algorithms.

9. Consider the Long-Term Benefits Associated with both fields: Take into account the labor market in the long-term. Both the fields of Artificial Intelligence and Data Science are highly sought-after worldwide, but I would recommend that you conduct a comprehensive study on both the fields, and determine if one field offers greater chances in Germany or better suits the industrial demands of the country.

10. Lastly, I recommend that you get in touch with professors, academic counselors, or field experts to acquire guidance as they will offer useful information and aid you in making an educated choice.

Remember that exciting job opportunities are offered by both, the Artificial Intelligence and Data Science fields. Deciding which field to choose should depend upon your professional objectives and passion, as well as the availability of programs at German universities. To make the most appealing decision for your future, I would recommend that you carry out meticulous research and take into account the aforementioned aspects.

For more information, you can visit our website.

Ans: I'm truly sorry to hear about the challenging situation you and your family are facing. Caring for an adult child with complex medical and mental health issues can be incredibly difficult, especially when considering the future when you may not be there to provide support. Here are some steps you can take to plan for your son's care:

Consult with Professionals: Seek the advice of medical professionals, including your son's treating physicians and mental health providers. They can provide guidance on his current treatment plan and any potential long-term care needs.
Legal and Financial Planning: Consult with an attorney who specializes in elder law or disability law to help you establish the necessary legal documents and financial arrangements. This may include setting up a special needs trust, appointing a guardian, and creating a will that outlines your son's care and financial support after your passing.
Identify Caregivers: While you mentioned that there are no relatives or friends willing to take care of your son, it's essential to continue exploring potential options. You might consider reaching out to local support groups for parents of children with disabilities or mental health issues to connect with others who have faced similar challenges.
Government Assistance: Research government programs and benefits available to individuals with disabilities
Care Facilities: Investigate residential care facilities and group homes that specialize in providing care for adults with disabilities. Some facilities offer long-term care options that can provide a stable and supportive environment for your son.
Support Services: Look for local agencies and nonprofit organizations that offer support services for individuals with mental health issues and disabilities. They may provide assistance with housing, employment, and daily living skills.
Include Your Son in Planning: To the extent possible, involve your son in discussions about his future care and living arrangements. His input and preferences should be considered in the planning process.
Create a Support Network: Engage with local and online support communities for parents and caregivers of individuals with mental health and disability challenges. Connecting with others who have faced similar situations can provide valuable advice and emotional support.
Continuity of Care: Ensure that all essential medical and psychiatric records are well-documented and easily accessible for future caregivers. This will help provide a seamless transition in case of any changes in care providers.
Regular Updates: As your son's condition may change over time, it's crucial to periodically review and update your plans and arrangements to adapt to his evolving needs.
Remember that you are not alone in facing these challenges, and there are resources and professionals available to help you navigate this difficult journey. Seek guidance from experts and reach out to local disability organizations to explore available support and options for your son's future care.

Ans: I understand that you are going through a very challenging and emotionally taxing situation. It's clear that you care deeply for your wife and son and want to find a resolution to the issues that have led to your separation. However, I am not a legal expert, and my responses are not a substitute for legal advice. It's essential to consult with an attorney who specializes in family law in your jurisdiction for guidance tailored to your specific circumstances.

Here are some general steps you might consider taking:

Consult with a Family Law Attorney: Seek the advice of a qualified family law attorney in your area who can help you navigate the legal aspects of your situation. They can provide guidance on divorce, custody, and any other legal matters that may arise.
Mediation: Mediation is often a more amicable and less adversarial way to resolve conflicts related to divorce and separation. A trained mediator can help facilitate discussions between you and your wife to find mutually agreeable solutions.
Child Custody and Support: Given your son's involvement, it's crucial to ensure that his best interests are protected. Discuss child custody, visitation, and child support arrangements with your attorney and potentially through mediation.
Therapeutic Intervention: If communication and emotional issues are at the core of your problems, consider involving a family therapist or counselor. They can help facilitate productive discussions and address underlying emotional concerns.
Keep Records: Document any interactions or communication you have with your wife or her family. This can be useful in legal proceedings and may help support your case.
Stay Connected with Your Son: Continue to provide emotional support and be involved in your son's life as much as possible, even if you are physically separated.
Explore Community Resources: Look for local support groups or community resources that can provide emotional support and guidance during this challenging time.
Remember that every situation is unique, and the best course of action may vary depending on the specific details of your case. Seeking professional legal and therapeutic guidance is crucial in navigating complex family issues. Additionally, it's important to remain patient and persistent in your efforts to find a resolution while prioritizing the well-being of your son throughout the process.

Ans: It's important to recognize and address complex emotions like love, but it's also essential to respect boundaries and consider the consequences of your actions. Loving someone who is already in a committed relationship can lead to difficult situations and potentially harm the people involved.

If you find yourself in a situation where you have strong feelings for your neighbor's wife, it's important to prioritize ethical and respectful behavior. Here are some suggestions:

Self-reflection: Take some time to reflect on your feelings and understand why you have them. It may be helpful to talk to a therapist or counselor to gain insight into your emotions.
Respect boundaries: It's crucial to respect the boundaries of your neighbor's marriage. Pursuing a romantic or sexual relationship with a married person is generally considered unethical and can cause significant harm.
Maintain distance: To avoid any potential complications or misunderstandings, maintain an appropriate distance from your neighbor's wife. Limit contact if necessary to ensure you don't act on your feelings.
Communicate with a trusted friend: Sharing your feelings and thoughts with a trusted friend or confidant can be helpful. They can offer support and guidance while keeping your emotions in check.
Focus on personal growth: Use this situation as an opportunity to work on personal growth and self-improvement. Invest your energy in hobbies, interests, and self-development rather than dwelling on unattainable romantic pursuits.
Consider the impact: Think about the potential consequences of your actions not only for yourself but also for your neighbor, their wife, and any other parties involved. It's important to act with empathy and compassion.
Seek professional help if needed: If you find that your feelings are causing significant distress or interfering with your daily life, consider speaking with a therapist or counselor who can provide guidance and support.
Remember that love can be complex, but it's essential to prioritize ethical behavior and respect the boundaries and commitments of others.

Ans: If you plan to invest for the long term, then it is always advisable to have your core holdings in well-diversified fund categories like largecap/flexicap funds. while having sectoral/thematic investments may work very well at times, they also come with the risk of going completely wrong. Hence sectoral/thematic investments are best avoided by most investors.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Ans: If you plan to invest for the long term, then equity funds are suitable vehicles to participate in equity returns. The idea of less risk does not clearly specify your risk appetite, but if you want to go for pure equity funds, then choose from largecap/flexicap funds and if you want a comparatively safer (with some debt allocation in addition to equity), then you can consider Aggressive Hybrid Funds as well.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Ans: To reach Rs 50 lakh in 10 years, you need to invest about Rs 21-23,000 per month assuming 11-12% average portfolio returns. Since no data about existing investments is provided, and given that you are doing a total of Rs 7000 per month in SIPs, there is first of all a need to increase your monthly investments to the required amount.

Having said that, you don't need so many schemes to invest Rs 20-25,000 per month. Just having a couple of schemes (like largecap index funds, and flexicap funds) would be sufficient.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Ans: Hi,
Show the neurologist again and get it checked so they can change the medicine. Not every medication suits everyone

Ans: You need to start eating nonveg. And start a vit b capsule. Also make sure you check your vit d levels

Ans: It usually doesn’t take to long to recover. Please go to a good physio centre and get treated. Also make sure you do not stress and trigger the shoulder after therapy hours

Ans: Hi,
As suggested by your doctor. Usually the surgeon advises your water consumption, spice consumption and oil consumption so it’s best to follow that

Ans: Income earned from amount invested out of gift received from son will not be clubbed. Accordingly, it will be taxable in the hands of recipient i.e. mother.

Ans: There are lot of opportunities online that one can look out for. Pl explore.

Ans: She could be having hyper reactive airways, an indicator of childhood asthma. She needs to see a pediatrician who will prescribe tests and if required, inhalers

Ans: Dear Anonymous,

From what I understood, you did not find satisfactory results after trying to find friends on social media. If that's the case, then you have to understand that you are not alone. A lot of people face the same problem. These are not designed specifically for building genuine friendships or serious romantic relationships. Dating apps, on the other hand, are experts in this field. I recommend using a dating and friendship app to find a genuine friendship or to find the perfect partner. Please mention what you are looking for in your Bio section- whether it's friendship or a relationship- and don't forget to mention if you want casual stuff or the serious kind, write about yourself and your preferences, and in no time you will find matches that align with your liking.

Best Wishes!

Ans: 3 years is too small an investment period for a small cap fund. It should be for a minimum 5 years, preferably for 7 years+. If you can invest only for 3 years, I would recommend a good multi-asset or balanced advantage fund to you.

Ans: Debt Mutual Funds are the best option. Invest for 12-18 months before you start withdrawing. Dont withdraw more than 0.5% a month. You can do it using SWP.