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Nayagam P P |3882 Answers |Ask -Follow

Career Counsellor - Answered on Sep 04, 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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Question by Shivakumar on Sep 04, 2024Hindi

Career

Sir, you answered very late, my daughter joined IIIT Dharwad CSE. Is that ok sir

Ans: Yes. Of Course. Just advise your daughter to keep upgrading her skills & create Professional LinkedIn ID and keep updating it till her 4th year campus placement.

You may like to see similar questions and answers below

Nayagam P P |3882 Answers |Ask -Follow

Career Counsellor - Answered on Jun 08, 2024

Asked by Anonymous - Jun 01, 2024Hindi

Career

Sir my daughter got 93.7 percentile jee mains 2024 crl rank 94736 in Ipe got 98percent our home state Andhrapradesh we belongs general if any nit or iiit

Ans: Congrats to your Daughter for Scoring 98% in his IPE.

Please note, getting admission into any NIT or IIIT will be difficult with the Rank your Son score, especially for the branches which are high in demand and have tough competition. Better option is getting admission into any one of the top-10 Private Colleges in AP itself as his IPE Score is also considered (along with JEE-Main Rank by some Private Colleges).

Whatever Institute / University & Branch he chooses, he should keep upgrading his skills from his 1st year itself till he goes for Campus Placement in his last year, from NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Daughter’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Salary Negotiation Skills | Building Professional LinkedIn Profile | Exam Preparation Techniques | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education ’, please FOLLOW me here in RediffGURU.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach | Career Guru |
https://www.linkedin.com/in/edujob360/
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Nayagam P P |3882 Answers |Ask -Follow

Career Counsellor - Answered on Aug 15, 2024

Asked by Anonymous - Jul 11, 2024Hindi

Career

My daughter got bits goa cse ,vIt madras cse and amrita cse.Tell me the preferences sir

Ans: Prefer BITS-G-CSE, followed by Amrita-CSE. All the BEST for Your Daughter's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Latest Questions

Dr Nagarajan J S K |154 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 10, 2024

Question by Harmit - Aug 27, 2024Hindi

Career

Sir my son completed MBBS from George now he wants to do MD please guide

Ans: Hi Harmit,

It's great to hear that your son has completed his medicine course. Please convey my greetings to him! Since he has studied medicine abroad, he will need to pass the licensure exam in India (FMGE). After clearing this exam, he must undergo an internship. Once he finishes the internship, he will be eligible to pursue higher education, such as an MD or MS.

If he has passed the licensure exam, he can then appear for the PG NEET. However, if he has not yet passed or even taken the licensure exam, I suggest he refer to the USMLE case study books to help him prepare.

That's my recommendation.

Samkit Maniar |174 Answers |Ask -Follow

Tax Expert - Answered on Nov 10, 2024

Question by Rajan - Nov 07, 2024Hindi

Money

Sir, Now my son is in UK for the last one year. He want to sell a property in Bangalore purchased 15 years back at Rs.30 lacks, and wants to sell it at 120 lacks and purchase a property in UK. In which way we can get exemption from capital gain tax. regards. p v rajan

Ans: Unfortunately capital gains exemption will not be available in your case since for getting such exemption the property purchased needs to be in India.

Milind Vadjikar |601 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 10, 2024

Asked by Anonymous - Nov 10, 2024Hindi

Money

Hi, I am 32 and want to invest 50K per month, planning to have 25 crore for my retirement planning. Can you pls help to create a portfolio? Also advise me apart from SIP's what more could give similar or potential returns .. Thanks in advance!

Ans: Hello;

You may begin a monthly sip of 50 K in a combination of pure equity & hybrid mutual funds and do a top-up of 8% each year for 28 years so as to achieve your target of 25 Cr.

Allocation could be as follows;
1. Multicap Fund: 25%
2. Flexicap Fund: 25%
3. Large and Midcap fund: 25%
4. Multi Asset Allocation fund: 10%
5. Small cap fund: 10%
6. Gold fund: 5%

Apart from MFs, NPS, ULIPs, ULPPs, real estate are other investments that could help build a retirement corpus.

Happy Investing;

Komal Jethmalani |366 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Nov 10, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Health

Hb1ac 5.8.whst should i do

Ans: An HbA1c level of 5.8% indicates that your average blood sugar levels are slightly elevated. To lower these levels, focus on consuming carbohydrates that are high in fiber and nutrients, such as whole grains, fruits, and vegetables. Avoid refined carbs like white bread and sugary snacks. Use measuring cups and a kitchen scale to keep track of portion sizes. Include non-starchy vegetables, lean protein (like chicken/fish) or tofu, beans, nuts, with whole grains (like brown rice or quinoa). Eating at regular intervals helps maintain stable blood sugar levels. Limit processed foods. Drink plenty of water and limit sugary beverages.
Monitor blood sugar regularly. Stay active.

Prof Suvasish Mukhopadhyay |37 Answers |Ask -Follow

Career Counsellor - Answered on Nov 10, 2024

Question by anna - Nov 09, 2024Hindi

Career

my name is aanya. im in my 3rd year of bsc biotechnology hons and soon about to complete my degree. In my 3 year degree, i hated labs and research. I have realized that i don't want to pursue research further. Please help me figure out what career would best suit me as im very indecisive and unclear about my career. I am planning to prpare for GMAT as my last option.

Ans: One thing is clear that you couldn't accept Biotechnology hons as your career. You told GMAT is your last option. Why you are saying so? Before opting for a course of three years students don't even ask them for only three hours. Without any decision they accept a subject and that is the major mistake. First ask yourself what is your choice. You can Give GMAT, but in management also there are more than twenty streams e.g. HR, Marketing, Finance, Operation, IT, Hospital Management, FINTECH etc.etc. So first be clear about your choice, Just follow me here and join me in LINKEDIN for getting future counselling. All the best. GOD BLESS YOU..............................:)

Ramalingam Kalirajan |6999 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 09, 2024

Question by Vimal - Nov 09, 2024Hindi

Money

During younh age 3 credit carf payment were delayed and settled bu bank. My cibil score now is 765 this is due to past faults 20yrs back. How can i rectify iy?

Ans: Since your CIBIL score is now a strong 765, it reflects a solid recovery despite past issues. However, to further improve it, focus on maintaining a perfect repayment history for all current credit. Avoid closing old accounts with good history, as they contribute positively. Regularly monitor your CIBIL report to ensure no errors. Over time, consistent and responsible credit behavior will enhance your score further.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Milind Vadjikar |601 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Money

Hello All . Looking for some advice I am 36 yr old and working class with Sal of 32 lakhs per annum Current savings are 33 lakhs in PPF / PF and Gratuity 3 lakhs in Shares and Mutual Fund 10 lakhs in Physical Gold 20 lakhs in Cash Liabilities Home loan outstanding 30 lakhs I wish to retire with corpus of 5cr and at age of 50 What do you think should change in my current portfolio

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Asked on - Nov 10, 2024 | Answered on Nov 10, 2024

Thank you for detailed analysis Does my current investment show some stable corpus ? Forgot to mention the Home that I own the current is 1.60 Cr with outstanding loan of 30 lakhs

Ans: Hello;

Your investment is quite stable since it comprises mostly of debt(PF), gold and liquid cash. (Self occupied property is reckoned as nil value investment in financial planning).

But you need exposure to equity through some way (NPS, MFs, not direct stocks) for growth.

However if you are a risk averse investor then you may do corpus building through the assets other then equity but you may have to put large sums since returns from these asset classes are relatively lesser compared to equity.

Equity asset class is volatile in the short to medium term but over long-term (7 year+) it is comparatively less volatile and yields relatively better returns.

Prepay the home loan as early as possible.

Happy Investing;

Dr Nandita Palshetkar |5 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 09, 2024

Asked by Anonymous - Oct 10, 2024Hindi

Health

I am 6 weeks pregnant. Only the gestational sac is visible. There is no heartbeat. I am worried and sad. What could be the possibility? Please help.

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

Prof Suvasish Mukhopadhyay |37 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Question by chandini - Apr 29, 2024Hindi

Career

Hi iam 32 year old mechanical engineering graduate. Iam a home maker since I completed my graduation. Now I want to do something in my life, learn different things, earn along with taking care of my family(husband and children). Iwas a very good student till engineering 2nd year then I lost interest because of stagnant studies in our college and no practicality. No one was there to guide us in our college. Now iam getting from my deep with in I should do something, I should learn and grow daily. I should earn and be financially independent and free financially till the age of 42. Can you please suggest me what are my opportunities, how can I grow ? Iam also interested in mathematics and history, these days I have a liking towards computer sciences too. What will you suggest?

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Prof Suvasish Mukhopadhyay |37 Answers |Ask -Follow

Career Counsellor - Answered on Nov 09, 2024

Question by Dr - Jun 25, 2024Hindi

Career

What are the future prospects after IISER graduation?

Ans: IN ONE SENTENCE - " IISER GRSADUATES ARE HAVING GREAT PROSPECTS IN GOVT. JOBS. BUT THE BOND WILL BE THERE" Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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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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