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12th PCB Student with Interest in Forensic Science: Seeking Guidance for College and Career Options

Nayagam P

Nayagam P P  |3814 Answers  |Ask -

Career Counsellor - Answered on Sep 12, 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 - Sep 10, 2024Hindi
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sir, i am in class 12th (pcb) rn and i am preparing for NEET but i don't have that much interest in it. I have interest in forensic science and i want to pursue it. i am ready to give any exam that i can for good college. I also want a good job with good money after everything (college...etc). I am a decent student, more than average i can say. But we have some financial problem for college only (personal family matter) so i am rely on scholarship. please guide me what should i do and how?........Thank you very much

Ans: You should prepare and appear for CUET for getting admission into UG Forensic Science with any one of the State / Central Universities providing this course. You should be aware that economically weak girls are eligible for scholarships provided by Govt. which you can apply for, after getting confirmed admission into any UG program (but should have been approved by AICTE). Also please note, your family income should be less than 8.00 lacs to be eligible for Scholarships. All the BEST for Your Bright Future.

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Harsh

Harsh Bharwani  |62 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

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Currently i am bsc biotect 2 year student As i always wanted to be a doctor i will become 20 after a month as my parents are not allow to drop and i feel depreessed after 3 bad results and now I can't decide what to pursue neet or biotect i always kneen in mbbs but i always manage to score 8-9 cgpa in biotect without much effort what should you suggest and the thing is that i always fascinated about neurology ,neuroscience things but i can't understand now will you help me
Ans: I understand that you're currently a second-year BSc Biotechnology student and you've always had a desire to become a doctor. However, you've been experiencing difficulty and feeling depressed after receiving three bad results. You're unsure whether to pursue NEET (National Eligibility cum Entrance Test) for medical school or continue with your Biotechnology studies. Additionally, you have a fascination with neurology and neuroscience but are having trouble understanding your current situation. I'll do my best to provide guidance.

1. Assess Your Academic Performance: Take a moment to reflect on your academic performance in Biotechnology. Although you mentioned scoring well with 8-9 CGPA, consider whether you genuinely enjoy the subject and have a passion for it. If you're finding Biotechnology to be more effortless compared to your interest in medicine, it's essential to weigh your options carefully.
2. Research Medical School Requirements: Look into the requirements for medical school admission, including NEET, to understand the criteria, eligibility, and preparation needed. Find out the deadlines, syllabus, and any other relevant information regarding the entrance exam. This will help you make an informed decision based on your capabilities and readiness.
3. Explore Alternative Pathways: If pursuing medicine through NEET seems challenging at the moment, consider other pathways within the healthcare field that align with your interests. Neurology and neuroscience offer various career opportunities beyond medical school, such as pursuing research, becoming a neuroscientist, or working in related healthcare roles. Research these alternative paths and see if they resonate with you.
4. Seek Guidance: Talk to academic advisors, mentors, or professionals in the medical and biotechnology fields. They can provide valuable insights and guidance based on their experience. Discuss your concerns, aspirations, and academic performance with them to gain perspective and clarity.
5. Reflect on Your Motivation: Understand your motivations for wanting to become a doctor and how it aligns with your fascination for neurology and neuroscience. Consider the challenges and sacrifices involved in pursuing a medical career. Reflecting on your true passion and drive can help you make a decision that brings fulfilment and satisfaction.
6. Focus on Self-Care: It's crucial to prioritize your mental and emotional well-being during this decision-making process. Take care of yourself, seek support from loved ones, and consider talking to a counsellor or therapist if you're experiencing depression or anxiety. Taking care of yourself will allow you to make decisions from a place of strength.

Remember, this decision is ultimately yours to make, and it's important to choose a path that aligns with your passion, strengths, and aspirations. Give yourself time, gather information, and seek support from those around you. Trust in your abilities and make a decision that feels right for you.

..Read more

R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Feb 28, 2024

Asked by Anonymous - Feb 20, 2024Hindi
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I am 27 yrs old female good in studies during my 11th and 12th but even after trying many times I wasn't able to crack NEET (medical entrance exam) having general category played a major role, I am not blaming reservation but I am upset with it in this process I have lost 5yrs in dropping and trying later joined BSc in Biotechnology and also completed M.Sc in Molecular and Human Genetics with gold medal now my family wants me to earn so that our financial condition can improve which is getting very worse day by day and my teachers want me to pursue PhD I don't understand what I should do the jobs after this much studying is giving 15,000pm which is not even sufficient for our family medical bills and our family also have taken loan from our relatives which also to be replayed and Phd in India as become worsen people leaving at their 4th or 5th year no stipend at time so can anyone guide me should I prepare for Govt exams like ssc cgl or any other which give me financial stability plz guide me..
Ans: I understand that you’re facing a challenging situation, and it’s commendable that you’ve pursued your education diligently. Let’s explore some options based on your qualifications and aspirations:

Career Prospects After M.Sc in Molecular and Human Genetics:
As an M.Sc graduate in Molecular and Human Genetics, you have several career paths available to you. Some potential job roles include:
Senior Scientific Officer – Molecular Genetics: In this role, you could work in research or diagnostic laboratories, focusing on genetic analysis and molecular techniques.
Technical Assistant – Molecular Genetics: Assisting in laboratory work, data analysis, and research.
Associate Professor – Medical Genetics: If you’re interested in academia, teaching, and research, this could be a fulfilling path.
National Sales Manager – Genetics: If you have an interest in sales and marketing related to genetic products or services.
These roles can be found in both private and public sectors.
Financial Considerations:
I understand that your family’s financial situation is challenging. It’s essential to consider your financial stability while making career decisions.
The average salary for M.Sc Genetics graduates in India ranges from INR 4 to 20 LPA depending on factors like specialization, experience, and location.
If your current job is not meeting your family’s needs, you may need to explore other options.
Ph.D. Dilemma:
Pursuing a Ph.D. is a significant commitment, both intellectually and financially. It’s essential to weigh the pros and cons carefully.
Consider factors such as your passion for research, long-term goals, and the availability of stipends during Ph.D. studies.
If you decide to pursue a Ph.D., explore opportunities abroad as well. Some countries offer better stipends and research environments.
Government Exams and Stability:
Preparing for government exams like SSC CGL (Staff Selection Commission Combined Graduate Level) can provide financial stability.
Government jobs often offer better job security, benefits, and a fixed salary.
Research the specific exams, eligibility criteria, and job profiles to see if they align with your interests and skills.
Balancing Passion and Practicality:
Reflect on what truly motivates you. Is it research, teaching, or a stable income?
Consider a balance between passion and practicality. You can explore government jobs while keeping your research interests alive.
Seek Guidance:
Consult with career counselors, mentors, and professionals in the field.
Discuss your situation with your family and teachers. They might offer valuable insights.
Remember that your journey is unique, and there’s no one-size-fits-all answer. Take time to evaluate your options, prioritize your well-being, and make informed decisions. Whatever path you choose, I wish you success and fulfillment!

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Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 14, 2024

Asked by Anonymous - Oct 14, 2024Hindi
Money
Hi I am 46 years old, my current investment is -as the follows, 1.90 cr in bank FD, 10 lakh in mutual fund and stocks. 50 lakhs for child’s education 1 child in grade 10. I have a house worth 2 cr which I have given for rent 40k monthly .I do not want to work any more and plan to retire in the next 2 years in my other house in my village. Is it possible to retire by 50 years.
Ans: At 46, you have built up a solid base for retirement. Your current investments include Rs 1.9 crore in fixed deposits (FDs), Rs 10 lakh in mutual funds and stocks, and Rs 50 lakh set aside for your child’s education. Additionally, you own a house worth Rs 2 crore, generating a rent of Rs 40,000 per month. Retiring by 50 is a realistic goal, but careful planning is needed. Let’s break down how this can be achieved and sustained.

Monthly Expenses After Retirement
The first step to ensuring a successful retirement is to estimate your monthly expenses. Since you plan to retire in your village house, your living costs might be lower than in the city. However, it's important to account for:

Regular living expenses such as food, utilities, and transportation.
Medical and health care costs that might increase as you age.
Inflation, which will erode the value of your savings over time.
You should aim to create an emergency fund and a monthly income plan that covers at least your basic needs. Your rental income of Rs 40,000 will cover a part of this, but more sources of income will ensure financial stability.

Education Fund for Your Child
With Rs 50 lakh set aside for your child’s education, you are already in a strong position. However, as your child is currently in grade 10, higher education expenses could increase significantly over the next few years.

To maintain the growth of this fund, consider placing it in a combination of low-risk instruments like debt mutual funds. These funds are less volatile and offer better returns than traditional savings methods. This strategy ensures that the education corpus remains intact and grows moderately until it's needed.

Reassessing the Fixed Deposits (FDs)
You have Rs 1.9 crore in fixed deposits, which provides stability. While FDs offer guaranteed returns, the interest rates can be lower than inflation over time. Hence, relying too much on FDs could limit your long-term growth.

Since you are planning to retire within two years, it's essential to start shifting a portion of this money into balanced investment options. These can include mutual funds with a mix of debt and equity, which provide a balance of stability and growth.

This move can help you combat inflation and generate better long-term returns without too much risk.

Mutual Fund and Stock Investments
Your Rs 10 lakh investment in mutual funds and stocks is another important part of your portfolio. You could consider:

Increasing your exposure to mutual funds with a focus on equity, especially in growth funds. Over the next two to three years, these funds can potentially generate higher returns, enhancing your retirement corpus.

Actively managed funds can offer better results compared to index funds, as professional fund managers help navigate market volatility.

Avoid direct funds, as they require constant monitoring and may lack the guidance that comes with investing through a certified financial planner (CFP).

You can slowly phase out some of your FD savings and channel them into well-diversified mutual funds. This strategy will increase your overall return potential and give you more flexibility.

Rental Income and Sustainable Withdrawals
Your rental income of Rs 40,000 is a good source of passive income. Post-retirement, you will rely more on this money to meet your monthly expenses. But it is crucial to build a sustainable withdrawal strategy from your other investments as well.

Consider the following steps to ensure you have enough income post-retirement:

Systematic Withdrawal Plan (SWP): You can set up an SWP in your mutual funds to provide a regular stream of income. An SWP allows you to withdraw a fixed amount each month while letting your corpus continue to grow.

Diversification of sources: Along with your rental income, an SWP from your mutual funds, interest from fixed deposits, and dividends from your stock investments will help you maintain a steady cash flow.

Medical Insurance and Health Care Planning
One of the most important aspects of retiring early is securing your health care. Medical costs can take up a significant portion of your savings if not properly managed.

Ensure you have a comprehensive health insurance policy with adequate coverage. Additionally, consider a top-up health insurance plan to cover higher medical expenses that could arise in the future. This will protect your retirement corpus from being depleted due to medical emergencies.

Managing Inflation and Risk
Inflation can severely impact your retirement plans. The costs of goods, services, and medical care will rise over time. Therefore, your investments must grow faster than inflation to maintain your lifestyle.

To counter inflation, it’s advisable to:

Maintain a portion of your portfolio in equity. Equity investments historically offer higher returns compared to debt and fixed-income options. Over the long term, equities can help your corpus grow at a rate that outpaces inflation.

Diversify into debt funds to reduce risk while maintaining liquidity. A mix of equity and debt will help you stay safe from market volatility but still give you decent growth.

Risk Management in Retirement
Since you plan to retire at 50, it’s essential to preserve your capital while also growing it. The strategy of balancing risk and reward is crucial. You can:

Lower the risk in equity investments as you approach your retirement date. You could reduce your equity exposure gradually and shift to lower-risk investments like debt funds, which are more stable.

Avoid high-risk investments or speculative moves, especially when you are so close to retirement. Your focus should now be on wealth preservation with moderate growth.

Final Insights
Yes, retiring by 50 is possible, but it requires careful management of your assets and income sources. Here’s a summary of how you can achieve this:

Reassess your fixed deposits: Move a portion into mutual funds to increase returns while keeping a part for liquidity.

Increase your mutual fund investments: Actively managed funds can offer better long-term growth, especially when you are not working.

Leverage your rental income: Rs 40,000 monthly rental income will cover part of your expenses, but supplement it with SWPs from your mutual fund corpus.

Preserve the education fund: Invest in safer instruments to ensure the Rs 50 lakh remains secure and grows steadily.

Diversify and manage risk: A mix of equity and debt will give you growth and safety, and help fight inflation.

Health care planning: Ensure you have strong health insurance coverage to protect your retirement corpus from medical emergencies.

By taking these steps, you can retire at 50 with financial security and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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