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BITS Pilani Goa (Mathematics and Computing) or PEC Chandigarh CSE: Which college should I choose?

Nayagam P

Nayagam P P  |3709 Answers  |Ask -

Career Counsellor - Answered on Aug 10, 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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Vikas Question by Vikas on Aug 10, 2024Hindi
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Career

Dear Sir, We have Bits Goa ( Mathematics and Computing 4 y) and PEC, Chandigarh CSE. What to choose?

Ans: PEC-CSE. All the BEST for Your Bright Future.

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Hi , I am 45 yr old, two daughters aged 13,10. My asset are a flat worth 1.75 cr, stocks ,85lacs, PPF- 20lacs, PF 40 lacs, MF -5 lacs, and my has a investment of 15 lacs in equity and 10 lacs in MF. We own two parcels of land worth 75 lacs. We don't have any loans and we take home 3.75 lacs. I am moving to tier 2 city, and moving to a rental property. My flat is 20 yr old and it has reached its full value depending on the area. I want to sell my flat and invest the proceedings into MF for a period of 4-5 yrs before buying a house in tier 2 city. Is it advisable to sell it. The flat is tier 1 city and I don't live inthat city
Ans: I propose that you estimate the long term(assumed) capital gain tax liability that may arise after sale of this flat considering indexation or without indexation as is optimal for you. Next consider the future redevelopment potential in the tier-1 city particularly in the area where you have the flat. Another point to be borne in mind is if your daughters need to move to tier-1 city in future for better coaching, education, prospects then this aspect needs to be considered. If you still want to sell the flat then time it in such a way when you want to buy new residential property in tier2 city because you can utilise all your gains here without paying any capital gain tax(Section 54 of Income tax act allows exemption subject to conditions) and/or buying section 54 EC Capital Gain bonds to save LTCG payment(50L per FY limit & 6 months within sale of property subject to eligibility).

Unless you have strong knowledge of markets or an investment advisor to assist you, I would recommend you to redeem your(family) stock holdings(subject to high volatility and needs regular monitoring) of 85L+15L and invest it in a staggered manner into equity savings and value focussed balanced advantage fund for horizon of 4-5 years.

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

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Asked by Anonymous - Sep 16, 2024Hindi
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Hello Anu, I would prefer to remain anonymous. I am 37 year old. My father purchased an apartment for around 35 lakhs, with an initial payment of approximately 5 lakhs. At the time, I believe he intended to pay for it himself, as my career was quite unstable. However, over the last four years, I have moved back to my hometown due to the pandemic and have since found success in my career, earning a substantial income. My father then started asking me to deposit money into his account so that he could continue making payments for the apartment. His reasons varied, ranging from being short on legitimate (white) money to wanting to use my legally earned income for this purpose, and I complied without much thought because I’ve always been an obedient child. Over the last six months, I contributed the final 7 lakhs for the property, and I was led to believe that it would be registered in either my name or my wife’s name. However, just two days ago, my father informed me that it must be registered in his name. This has left me feeling manipulated and betrayed. Despite contributing a significant sum of around 30-32 lakhs, I still feel I have no say in the property. I’ve never been able to communicate openly with my father, and this situation has only made things worse. When I confronted him, the conversation didn’t go well, and my mother expressed deep disappointment in me, implying that I am not a good son. They made me feel guilty, and I am now left with a sense of profound loss. Regardless of the outcome, I feel like I’ve lost. If the property is registered in my name, I feel like a terrible son, and if it isn’t, I feel like I’ve lost both my savings and my dignity. I would appreciate any advice or guidance on how I should approach this situation, or what I should believe in moving forward. Just for context, my father has a decent business, owns the house we live in, and possesses other assets, so it’s not as though he is dependent on my income for survival.
Ans: Dear Anonymous,
I assume that you are part of an Indian family system where the son is still expected to take on the responsibilities of caring for his parents. Now, this need not be challenged as it is rooted in firm beliefs but what still seems inexcusable is the manner in which your father has tried to achieve it.
A simple conversation around this would have helped you understand his thoughts around the property, money surrounding it etc...
You say that you have never been able to communicate openly with your father and maybe all that is happening is a lesson for you to start becoming more expressive with him. Say NO when it is a NO...saying Yes has caused you to lose money at a time when it was not necessary.
You can still communicate with your father and this time do it not to confront him with anger but to clearly express your sadness over the way things were done regarding money. You also need to let him know how this has affected your financial situation and that getting back what is yours will only help you not depend on him (your father). Express clearly as to what you want...You are not a terrible son if you are looking out for your own family and your future. Be wise about it!

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Drop in: www.unfear.io
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I have been married for 12years . I married when I was 19. I have 2sons . My husband doesn’t love me and he had said to me many times .i even have doubt on him bcus he doesn’t come home to sleep 2 times in 2 weeks . Everyday I feel anxious and worried if he would not come bck . I have beg him many times to not sleep outside. Whenever he go out he never picks up my call even once. He is seeing a girl. For that we fought all the time . He asked for divorce many times but why can’t I u love him and leave him. I feel like I would die if I can’t be together with him.
Ans: Dear Phy,
If you have a spouse who has begun to ignore your pleas and request, what else can you do? Where is the respect that he must be giving you as a life partner?
Now, I also want you to ask yourself if your doubts are just figment of your imagination or are they based on facts? Have you seen any message on his phone or a call to anyone planning a meeting?
Yes, it's strange and suspicious I will agree that he stays out a few days every few weeks, but make sure of what exactly is happening. When you are sure that what you suspect is true, confront him with the support of your family members but not threaten him where he retracts from you completely.
And the bitter truth, if he has asked for divorce many times, maybe it's his way of saying that there is nothing more left in the marriage for him. It hurts you for sure, but what's the point of living with someone who cannot appreciate your presence and love?

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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