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Maxim

Maxim Emmanuel  |380 Answers  |Ask -

Soft Skills Trainer - Answered on Mar 23, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
Kasim Question by Kasim on Mar 18, 2024Hindi
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Career

hi sir/mam, I completed my BCA in 2008 then moved to govt job prep(SSC,CDS) along with teaching job in coachings, got success in several exams and finally taken a job in railways for an year. Concurrently applied for MCA and completed in 2015, meanwhile started prep for civil services then moved to full fledged prep and left job got success in state lower pcs and RO/ARO, not joined but continued for UPSC. But ended up without success. So then aged up 32 so many things left to do, started teaching again and got married.Then decided to move back to cs, got selected in a drdo project as a JRF and working on ML,DL and Computer vision. Now i am unable to make my ends meet as a rentee in Delhi, continuously brushing skills I am confused in where I try my luck now? Like Data Science, DL, ML, Cloud Engineer or what, Please Help!!

Ans: Rolling Stones gather no moss.. is an old saying, stability is the essence of success.. Nothing is too good or too bad... In your case it's not LUCK.. You haven't stuck on to PLUCK the fruits of success .

Understand your core strength listen to your conscience.. Look for avenues that can support your income.. Take Tuitions ..this immediately comes to my mind to supplement your income.

I'm sure you will be a success.. Sooner or later!
Career

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Insurance, Stocks, MF, PF Expert - Answered on Sep 15, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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Money
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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