Need Expert Advice?Our Gurus Can Help

Ans: Hello
You have to examine why you want your teeth aligned.
Do you have a functional problem as a result of the mis-alignment?
Functional problems could be speech impairment, inefficient mastication, inadvertently biting your lip, and so on.
If you have none of these problems then the only outcome would be cosmetic

Ans: If you're experiencing tooth sensitivity, consider consulting a dentist to determine the underlying cause and find the best solution.

Tooth sensitivity can be caused by various factors. Here are some common causes:

1. *Gum recession*: Exposed roots can cause sensitivity.
2. *Tooth decay*: Cavities can expose nerves, leading to sensitivity.
3. *Cracked teeth*: Cracks can allow bacteria to reach the pulp, causing sensitivity.
4. *Worn enamel*: Acid erosion or grinding can wear away enamel, exposing dentin. Aggressive brushing or using generous amounts of toothpaste can also damage enamel.
5. *Gum disease*: Inflammation and infection can cause sensitivity.
6. *Dental procedures*: Sensitivity can occur after procedures like fillings, crowns, or teeth whitening.
7. *Tooth grinding or clenching*: Grinding or clenching can wear away enamel and cause sensitivity.
8. *Acidic foods and drinks*: Consuming acidic foods and drinks can erode enamel.

Managing Tooth Sensitivity
If you're experiencing tooth sensitivity, consider:

1. Using a desensitizing toothpaste
2. Avoiding acidic foods and drinks
3. Practicing good oral hygiene
4. Visiting your dentist for a check-up and advice

Your dentist can help determine the underlying cause and recommend the best course of treatment.

Ans: Considering FY 2024-25 tax liability will be Rs 87360 with net taxable income of Rs 11.60 Lac under new regime, being appearing best after calculations.

Ans: 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.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

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 both Home State (HS) i.e. State you belong to & also Other State (OS).
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, separately for HS & OS Categories for a quick reference.
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, preparation strategies, and engineering career options, 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: Yes, you can appear for Class 12 again from another board. There is no restriction on that.
You are allowed to appear for JEE Main only in the year you pass Class 12 and in the next two consecutive years (i.e., maximum 3 attempts).
Your 10th marksheet from Bihar board and 12th from another state board is acceptable.

The gap between 10th and 12th does not matter for JEE, as long as your name, date of birth, and other details match in both documents.

Ans: You may get Mechanical/Civil at DTU/NSUT and Mechanical at NIT Delhi. See previous years' cut off.

Ans: Any middle and low ranked NIT or IIIT. Apart from that let him try in the Govt. run State Engineering Colleges of the state where his domicile is there. Best of luck. Professor.........................................:)

Ans: Yes, pursuing a B.Tech in Computer Science and Engineering (Data Science) at UEM Kolkata can be a good choice, particularly for students seeking careers in the IT sector and related fields. UEM Kolkata is known for its strong placement record in CSE, with many students securing jobs in reputable companies.

Ans: You can file a complaint

Ans: Hello Vishisht
After appearing for boards from CBSE you can only appear for 4 subjects from NIOS.

Ans: IF YOU COULD SPECIFY HOME STATE?
Else you have chances in GFTIs

Ans: ADHD presents as inability to sit at a place for a length of time, inability to complete a task, inability to concentrate without getting distracted and disturbing others in class. If the teachers are complaining of such behaviour then consult a child psychologist

Ans: Continue to offer only solids at meal time. Don't get her used to a bottle in case she doesn't eat as that will become a habit
Try different foods and give her what you eat

Ans: You need to see a dermatologist for thos

Ans: Hello Dear.
Please send the full link to view. Thanks

Ans: No chance for CSE in NITs/IIITs with 84.1 percentile (General category).

Ans: You can apply for admission into IITs 2025 if you meet certain criteria. These include a valid JEE Advanced score of 99.91% in JEE Main, being in the top 20 percentile of your board or having at least 75% marks in your qualifying board exam. Your JEE Advanced 2025 attempt is valid, as it's your first valid attempt after passing 12th in 2025. NIOS is recognized by the Government of India and IITs. All the best for your admissions!

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

Ans: Contact NTA Helpdesk immediately: Email Them. And also, Contact NTA's Helpline Numbers of Delhi as I cannot provide its numbers here. Explain your issue clearly and provide your application number, correct details, and a scanned copy of your 12th marksheet by mail immediately.

Ans: Priyanka, please check you have mentioned 2012 i.e. 13 years back. Is this correct? Please confirm to answer.

Ans: Make an effort to gain admission to any private engineering college in your state or one of the neighboring states. Some applications, like those for Amity and others, are still being accepted. You can also attempt for three-year undergraduate programs, such BSc (Computer Science), and while pursuing your UG, you can improve your abilities with certificates to stand out in the job market. Try applying for scholarships if you are unable to pay for private college tuition. Visit the buddy4study website to see what scholarships are available. All the best for your admissions!

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

Ans: Hello Dear.
Whatever you have read on the JEE (Adv) website is true. To fulfill your dream of appearing for JEE (Adv) you have to clear 12th grade once again. The choice of NIOS will be best for you. But instead of trying hard to JEE (Adv), I would like to suggest as: (1) based on JEE (Main) score or your state-level engineering entrance score, take the admission to reputed engineering college (2) Appear for the GATE exam in the final year (3) Crack GATE and get direct admission to PG in prestigious IITs. This is the safest and easiest way to get a degree from IIT, and that too, P.G.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hi Arpit,
The data is too old to retrieve. Can you plz share the link which justifies your answer.

Ans: A Senior Citizen may file Form-15H (u/s 197A), if his tax payable during the year under reference is Nil.
Most welcome for any further clarifications. Thanks.

Ans: 01. Marriage Gifts are EXEMPT. However, these are Exempt to the Couple and not to their parents.
02. There are so many cash expenses/payments during marriage. You may meet these obligations from the Cash Gifts received.
03. You may deposit the balance cash (gifts) in bank account of your daughter.
Most welcome for any further clarifications. Thanks.

Ans: Hi,
Could you please explain why you want to repeat the HSC? I'd appreciate it if you could share the details so I can better address your query. Repeating the course may not be the best use of your time; instead, you might consider focusing on other activities.
BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: At 40, with your current income and asset base, the goal of financial freedom is definitely achievable. Let’s work towards a 360-degree financial strategy to help you build a solid and practical roadmap.

Below is a complete evaluation and guidance to align your financial life with your freedom goal.

Current Financial Position – Snapshot and Assessment
You have Rs. 12 lakhs in Fixed Deposit.

You hold Rs. 6 lakhs in mutual funds and stocks.

You are keeping Rs. 10 lakhs in cash.

You have a flat in Delhi. You have Rs. 15 lakhs home loan on it.

You also have a car loan of Rs. 8 lakhs.

Your monthly salary is Rs. 1.5 lakhs from an MNC job. You are working from Ranchi now.

You are 40 years old and working in a stable job.

This is a very decent starting point. You are earning well, and you have good savings. But to reach financial freedom, we need better alignment.

Let’s move step-by-step.

Step 1 – Clarify What Financial Freedom Means to You
Financial freedom is not only about quitting your job.

It means you have enough income from investments to cover your monthly needs.

You should be able to choose to work or not, without worrying about money.

So first, we need to estimate your monthly future expenses post-retirement.

Let’s assume Rs. 60,000 to Rs. 80,000 per month today, adjusted for inflation later.

That means you need to create income sources to support at least Rs. 1 crore to Rs. 2 crore in future corpus.

This is not impossible. You have time and income to build this.

Step 2 – Improve the Quality of Your Assets
Let us now improve your asset quality to suit your freedom goal.

Rs. 12 lakhs in Fixed Deposit is very conservative.

FD earns low returns, and interest is fully taxable.

Keep only 4 to 5 lakhs in FD for emergency use.

Move the rest (7 to 8 lakhs) to good quality mutual funds through SIP.

Your Rs. 10 lakhs in cash is too much to keep idle.

Keep Rs. 1.5 to 2 lakhs in savings for short-term needs.

Move the balance Rs. 8+ lakhs to a liquid mutual fund for better returns.

Over the next 3 to 6 months, you can start shifting this towards equity-oriented funds.

Rs. 6 lakhs in MF and stocks is a good beginning.

But if these include index funds or direct funds, you must evaluate them carefully.

Index funds only copy the market, and don’t actively manage risks.

They underperform in falling or flat markets.

A good actively managed mutual fund is better in Indian conditions.

Direct mutual funds look low-cost, but no expert advice is included.

When you invest through a Mutual Fund Distributor (MFD) who is also a Certified Financial Planner, you get proper hand-holding.

Regular funds through a CFP-linked MFD provide portfolio monitoring, review, and behavioural coaching.

This helps avoid panic selling or greed-driven buying.

Step 3 – Work on Your Loans
You have Rs. 15 lakhs home loan.

This is acceptable if interest is below 8.5% per annum.

Home loan offers tax benefits also. So don’t rush to close it.

Continue paying EMIs without stress. Try to pre-pay 1 EMI every 6 months if possible.

This will reduce your loan term.

But do not use emergency cash or investments to close it.

Car loan of Rs. 8 lakhs is a liability without return.

Try to clear this in the next 1.5 years.

Use your bonus or incentives for that.

Avoid buying new cars or gadgets on EMI again.

Step 4 – Build a Systematic Investment Plan
You should be investing 30% to 40% of your monthly income.

That means Rs. 45,000 to Rs. 60,000 per month.

Start SIPs in diversified actively managed mutual funds.

Allocate more in equity-oriented funds for long-term growth.

Keep a small portion in hybrid or conservative hybrid funds for balance.

If you are supporting family, consider a term insurance plan (not ULIP or endowment).

Term insurance is cheaper and offers better coverage.

Also take health insurance for self and family, even if company gives cover.

Step 5 – Emergency Planning and Risk Management
You must keep an emergency fund equal to 6 months expenses.

You already have FD and cash, so earmark Rs. 3 to 4 lakhs for this.

Put this in a separate savings or liquid mutual fund account.

Don’t touch this unless there is an actual emergency.

Review your health and life insurance policies yearly.

Step 6 – Review and Improve Your Monthly Budgeting
Track your monthly expenses. Use simple mobile apps or Excel.

Avoid impulse expenses like gadgets, travel, or lifestyle items.

Stick to a monthly budget. Save before you spend.

Increase your SIPs every year by 10%.

This will match inflation and improve wealth creation.

Step 7 – Don’t Depend on Real Estate for Financial Freedom
Real estate has low liquidity and high maintenance.

Rental yield is only 2 to 3%.

Also, resale takes time and effort.

Don’t invest more in real estate. Focus on financial instruments instead.

Step 8 – Plan Your Retirement and Passive Income Sources
At age 40, you have 15–17 years to retire.

That’s enough time to build a retirement corpus.

If you invest Rs. 50,000 monthly for 15 years in mutual funds, wealth can be significant.

Once you retire, you can shift to monthly income plans from mutual funds.

These generate regular withdrawals with tax efficiency.

You must also reallocate to more conservative funds as you near retirement.

Avoid annuity products. They give low returns and poor liquidity.

Step 9 – Tax Planning and Filing
Use tax deductions wisely under Sec 80C, 80D and home loan benefits.

Keep your investments tax-efficient.

For example, equity fund gains up to Rs. 1.25 lakhs are tax-free annually.

Above this, LTCG is taxed at 12.5%.

Short-term capital gains from equity funds are taxed at 20%.

Debt fund gains are taxed as per your income slab.

You should do tax planning with a CFP who can review your total asset base.

Step 10 – Set Clear Milestones and Review Yearly
Set short, mid, and long-term goals.

For example: close car loan in 1 year, build Rs. 50 lakhs corpus in 5 years, etc.

Track these goals once every 6 months.

If you miss one goal, don’t panic. Adjust and continue.

Stay disciplined with SIPs and avoid timing the market.

Don’t follow tips or market trends blindly.

Final Insights
You are doing well for your age and income level.

But to reach financial freedom, you need more structured planning.

Convert your cash and FDs to wealth-generating assets.

Stop investing in real estate and focus on financial investments.

Eliminate loans step-by-step.

Increase your SIPs regularly and keep your portfolio reviewed by a Certified Financial Planner.

Review your goals, risks, and insurance every year.

Stay consistent and patient. Freedom will come earlier than expected.

You are on the right track. Just need direction, discipline, and dedication.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: Hello Dear
There will be no problem related to the NEET application form and admission process in Medical colleges. Follow the steps mentioned in the email sent by NTA and also talk directly on the helpline, which is given on the NEET NTA Website. This is not a big issue and happens with many students. Please click on the link sent by NTA and proceed. Best of luck to your brother.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Dear.
With the mentioned score and GC, you can get admission to a private college for computer-related B.Tech. courses. There should be no confusion related to engineering branches at the initial stage. You must choose the branch that will be more suitable to you, either from a Job or business point of view. Discuss with parents properly before applying to any course randomly. There are many reputed colleges in Haryana where you can get admission.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Sahil
With the mentioned score and rank, getting a seat in the Government College seems difficult. If you are financially sound, then it would be better to try for a reputed private college. But participate in the counseling process and keep a close watch on the entire admission process.
Follow me if you like the reply. Thanks
Radheshyam

Ans: ECE/IT: IIIT Guwahati, IIIT Bhagalpur
Mechanical: NIT Allahabad, NIT Bhopal, NIT Durgapur
Civil/Chemical: NIT Trichy, NIT Rourkela
GFTIs: SLIET Longowal, IIITDM Jabalpur

Ans: UP State Engineering Colleges (Lower Cutoffs)
College Expected Cutoff (General) Possible Branches
HBTU Kanpur ~3–4L CRL Civil, Chemical, Production
KNIT Sultanpur ~4–5L CRL Mechanical, Textile
MMMUT Gorakhpur ~4–6L CRL Civil, Electrical
BIET Jhansi ~5–6L CRL Agricultural, Mechanical
AKTU Affiliated Colleges (e.g., RKGEC Ghaziabad) >6L CRL All branches (if seats vacant)

Ans: With an 84.1 percentile in JEE Main 2025 (Phase 2), your son's expected rank range is roughly 1.8–2.2 lakh (CRL). Unfortunately, this rank makes it very difficult to secure a seat in NITs or IIITs for Mechanical Engineering (with Robotics/AI specialization) under the General category. NITs (Mechanical Engineering): NIT Sikkim, NIT Mizoram, NIT Nagaland may be possible

Ans: Congratulations to your daughter on achieving 98.66 percentile (General category) in JEE Main 2025.
Best Likely CSE: NIT Rourkela, NIT Allahabad, NIT Bhopal
Best Likely ECE: NIT Warangal, NIT Surathkal, NIT Calicut
Best Likely Chemical: NIT Trichy, NIT Warangal

Ans: NIOS is recognized by NTA for NEET eligibility (as per NTA NEET 2025 bulletin).

Ans: Priority: State colleges (COEP, RVCE, PSG Tech) > Private (VIT, Thapar) > Emerging (KIIT, UPES).

Apply Widely: Don’t rely only on JoSAA; use state/private admission portals.

Ans: Best CSE Options for You:
NIT Allahabad, NIT Bhopal, NIT Durgapur, NIT Jamshedpur, IIIT Guwahati
Best ECE Options for You:
NIT Warangal, NIT Surathkal, NIT Calicut, NIT Rourkela, NIT Allahabad

Ans: EWS certificates in Delhi are typically valid for 1 year (unless specified otherwise).

For JEE/JoSSA counselling, the certificate must be valid at the time of admission (not necessarily during the exam).

If the certificate expires before JoSAA document verification, renewal is mandatory.

Ans: Congratulations to your son on achieving AIR 4450 (EWS Rank 480) in JEE Main 2025!
Computer Science at NIT Trichy is a borderline case.

Ans: JEE Advanced Eligibility Rules state that a candidate can attempt JEE Advanced a maximum of two times in consecutive years.

Since your son was not eligible for JEE Advanced 2024 (despite appearing for JEE Main 2024), 2025 will be counted as his first attempt for JEE Advanced.

If he appears again in JEE Advanced 2026, that will be his second and final attempt.

Ans: Which one is correct? 90 or 93 percentile?