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Ans: Hi Savendra
I can understand your state of mind being a parent. First of all, check with your son about what he wants to become. If we put our dreams & ambitions on him and he is not interested in that it becomes very difficult for him to succeed.

Now coming to admissions IISER NISER will open the door for research-based jobs or positions, while JEE MAIN will lead him to a professional engineering-based job either in IT or core field.

Just keep your calm & have friendly & open discussion with him.

Ans: You have a very robust experience in a field that serves as a lifeline of plant earth. There are innovative new green filed projects coming up in solar, wind, underwater energy that can use your operations and project management skills. Use your network of friends, colleagues, seniors, vendors to learn about areas that are throwing up jobs for experts like you.

Ans: Hello Savendra
if your son has an inclination towards research & PhD then go for IISER/NISER.

Ans: Dear Savendra,
I am sure this can throw you off balance when you don't understand the reason as to what is it that makes her upset. It is possible that she is at that age where her hormones are all over the place and this can cause mood related changes. Kindly visit a doctor who will be able to advice further on this.
As a couple, I would suggest spending more time together on holidays or date nights...you are never old to party or go on dates or simply catch up a cup of coffee together. This makes your bond stronger and newer as well.
Sometimes emotional challenges or lack of closeness can show up as anger or sadness...
Try newer ways of connecting...it will surely help you two get closer!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Savendra

Navigating through frequent arguments and tension at home can be incredibly challenging, especially when they leave you feeling emotionally drained and upset. It's understandable that you're seeking guidance on how to handle this situation. Given your wife's past brain problem, it's essential to approach these conflicts with patience, empathy, and understanding. Firstly, try to remain as calm as possible during arguments, even when emotions run high. Active listening and validating her feelings can help create a more constructive dialogue. Setting boundaries around communication and behavior is crucial, ensuring that discussions remain respectful and productive. Seeking professional help, such as couples therapy, can provide valuable support in addressing underlying issues and improving communication skills. Additionally, taking care of yourself through self-care activities and seeking support from friends and family members can help you navigate through these challenging times. Remember, it's okay to prioritize your well-being and seek assistance when needed to foster a healthier and more harmonious household for yourself and your family.

Ans: Insurance-cum-investment schemes
Insurance-cum-investment schemes (ULIPs, endowment plans) offer a one-stop solution for insurance and investment needs. However, they might not be the best choice for pure investment due to:
• Lower Potential Returns: Guaranteed returns are usually lower than what MFs can offer through market exposure.
• Higher Costs: Multiple fees in insurance plans (allocation charges, admin fees) can reduce returns compared to the expense ratio of MFs.
• Limited Flexibility: Lock-in periods restrict access to your money, whereas MFs provide more flexibility.
MFs, on the other hand, focus solely on investment and offer:
• Potentially Higher Returns: Investments in stocks and bonds can lead to higher growth compared to guaranteed returns.
• Lower Costs: Expense ratios in MFs are generally lower than the multiple fees in insurance plans.
• Greater Control: You have a wider range of investment options and control over asset allocation to suit your risk appetite.
Consider your goals!
• Need life insurance? Term Insurance plans might be suitable.
• Focus on growing wealth? MFs might be a better option due to their flexibility and return potential.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Hello Savendra
since jee result is out if you can share ranks, category & state, we can work out the best available option for you.
Also I can guide to get admission some of the best institutes in the country.

Ans: Hello Savendra
since jee result is out if you can share ranks, category & state, we can work out the best available option for you.
Also I can guide to get admission some of the best institutes in the country.

Ans: It sounds like you're seeking better returns on your investments, and that's a smart move. While recurring deposits offer stability, they might not always provide the returns you're hoping for, especially considering inflation.

Have you considered exploring other investment avenues like mutual funds or fixed deposits with higher interest rates? Mutual funds offer the potential for higher returns over the long term, although they do come with some level of risk.

Alternatively, fixed deposits from banks or non-banking financial institutions might offer more competitive interest rates than your current recurring deposit scheme.

Remember, it's crucial to assess your risk tolerance and investment goals before making any decisions. Consulting with a financial advisor can help you explore options tailored to your needs and preferences. Here's to finding an investment path that brings you closer to your financial goals!

Ans: Achieving a target of 15 crores in 10 years is ambitious and requires a combination of disciplined saving, strategic investing, and potentially exploring additional income streams beyond your job. Here are some options to consider:

Investing: Increase your investments in equity-oriented assets like mutual funds, stocks, or ETFs that have the potential for higher returns over the long term. Diversify across asset classes to manage risk.
Real Estate: Consider investing in real estate properties that can generate rental income or appreciate in value over time. Real estate investments can diversify your portfolio and provide inflation-adjusted returns.
Entrepreneurship: Start a side business or venture that has growth potential. This could be a tech startup, consulting business, or any other venture aligned with your skills and interests.
Stock Market: Actively trade or invest in the stock market to capitalize on short-term market movements. However, this comes with higher risk and requires expertise or professional guidance.
Alternative Investments: Explore alternative investment options like commodities, private equity, or venture capital funds that offer higher returns but come with higher risk and longer lock-in periods.
Career Growth: Focus on career advancement opportunities, certifications, or skill development that can lead to higher-paying roles or promotions in your current job or a new organization.
Financial Planning: Consult a Certified Financial Planner to create a customized financial plan tailored to your goal of achieving 15 crores in 10 years. They can help you optimize your investment strategy, manage risks, and monitor progress towards your goal.
Tax Planning: Efficient tax planning can help maximize your after-tax returns and accelerate wealth accumulation. Utilize tax-saving investment options like ELSS mutual funds, PPF, NPS, or tax-free bonds.
Leverage: Consider using leverage or borrowing to invest in assets that have the potential for higher returns. However, be cautious as leverage increases risk and requires careful management.
Discipline and Patience: Achieving such a significant financial goal requires discipline, patience, and a long-term perspective. Stay committed to your goal, regularly review and adjust your investment strategy as needed, and avoid making impulsive financial decisions.
Remember, achieving a target of 15 crores in 10 years is challenging and requires careful planning, disciplined saving, strategic investing, and potentially exploring additional income streams. Consult a Certified Financial Planner for personalized advice and guidance tailored to your specific financial situation, goals, and risk tolerance.

Ans: Hello Siva,
You can go for BITSAT for Pilani, Hyderabad, Goa, MHTCET for Maharashtra, KOMEDK for Karnataka, VITEEE, KITEEE, IIIT-Hyderabad etc. You will get ample good options as per your requirements.