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Stuck between CSE/ECE and Biology: How to Choose the Right Path?

Nayagam P

Nayagam P P  |3686 Answers  |Ask -

Career Counsellor - Answered on Sep 05, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Aug 27, 2024Hindi
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Career

Sir please help me. I'm get cse and ece in top and good college,but during the vacation time my mind changed and started to ask whether I really want engineering. Because I'm from biology group due to long duration to become doctor i left it and thinking to do bsc msc and become lecture. I don't know exactly which to choose I don't want to hurt parents and myself sir . Please help me to choose any one

Ans: Prefer what you wish to pursue. However, set realistic goals and milestones and meet them. Try to join any reputed NIRF Ranked college for your BSc-MSc Course. All the BEST for Your Bright Future.

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Nayagam P

Nayagam P P  |3686 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2024

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Hello mam, During the mid of my 12th, I began to serious think about what I am going to do after 12th, before that I just watched a lot of science related shows, and some books, so i thought of becoming a research scientist but i was never serious about it. I was never interested in engineering as it is a technical field, so i very recklessly ignored my jee which were during January in 2023. I gave 12th and got 89% . Still, i was in this dilemma what should I purse, i was thinking that there is stable financial life if i take engineering cse, but on the other hand, i had my passion, so I wanted to take pure science. I was really confused and kept over thinking about it, so i messed up my April attempt as well. After that, i had options to do cuet (for du etc) or join a local govt engineering college. But, i thought that I can get iisc( for bs research) through jee advanced next year if i take a drop and prepare for it because iisc has kashmiri migrant cutoff of 8000 crl rank. So thought it was good. Now, i am in my drop year but still the thought are lingering in my mind that i won't be able to have a stable life if i take bs, then ms after PhD, all that takes time and if done from abroad only, they can provide good financial stability. So I am really confused right now what should I do? My father spend 2 lakhs in 11th+12th and now 70K in coaching, i think how can I repay him... that's kinda silly but still....also I don't want a cooperative job. What should I do?? Please guide me mam 😭 please 🙏
Ans: Aryan, please update your status as of now in July 2024 to enable me to answer. All the BEST.

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Asked by Anonymous - Sep 15, 2024Hindi
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I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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