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Mayank Kumar  |192 Answers  |Ask -

Education Expert - Answered on Jul 18, 2023

Mayank Kumar is the co-founder and managing director of upGrad, a higher EdTech company. With over 10 years of experience in the education sector, Kumar can offer guidance about degree courses, campus, job-linked and executive programmes and studying abroad.An MBA graduate from ISB Hyderabad, he holds a BTech in mechanical engineering from IIT Delhi.... more
Asked by Anonymous - Jul 04, 2023Hindi


Ans: Hi, that's really interesting - Muesomology is a niche field, and it may not be as commonly available as other courses. Therefore, it becomes important to conduct thorough research and explore multiple institutes to find the best fit for your daughter's education, that also matches her career aspirations. Begin by researching and identifying universities / institutes that offer programs in Museumology and gather information around admission, like minimum educational qualifications, entrance exams, personal statements, letters of recommendation, and interviews.

If applying for an undergraduate degree, evaluate the course curriculum, faculty expertise, and practical components of each program to determine which one aligns best with your daughter's interests.  Some institutes may require entrance exams as part of their admission process. Additionally, a well-crafted application can work wonders. This may involve writing a compelling personal statement that highlights her passion for museum studies, her relevant experiences, and her career aspirations. She can also consider Internship opportunities with local museums or cultural institutions, that will help her gain practical experience, and enhance her understanding of the field. And most importantly, discuss the financial aspects including tuition fees, scholarships, grants, or financial aid options to support her education. Some of the career opportunities that she could land after pursuing her education include Gallery Assistant, Museum Director, Design Consultant, or Collections Assistant, etc. India is rich in cultural heritage - more than just art forms, historical artefacts, and archaeological sites. The growing popularity of Museumology will help today's youth preserve these cultural treasures for future generations.

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Mayank Kumar  |192 Answers  |Ask -

Education Expert - Answered on Aug 10, 2023

Sir My daughter is Passed 12 exam with 86% with bio (B Group) , she is interested in Cell and Molecular Biology Integrated Course B.sc+M.sc 5 years Duration in MSU,Baroda, is good course kindly advice me his choice is correct or if any other option.
Ans: ​Hi Chetan, Choosing a course in higher education is an important​ and life-impacting decision, and it's great that your daughter is interested in pursuing a field that aligns with her academic interests. Pursuing an integrated B.Sc + M.Sc ​will help her build a very strong subject foundation but it's always a good idea to consider various factors before making a final decision. ​It is important to ensure that the courses offered align with her interests and goals, and thorough research on faculty would be ideal. Strong faculty and access to advanced laboratory facilities can greatly enhance the learning experience.​ While education is important, we must also consider the career growth it would offer at the end, and therefore,​ investigate if the university has connections with research institutions, biotech companies, or academic organisations where she can pursue research, internships, or employment.​ This will help you understand the opportunities it could offer in the future. The Alumni Success​ rate is also crucial, therefore, check their past records. It is always advised to research similar programs in other universities to see if there are additional options that might be a good fit for her interests and goals.​ Ultimately, if the integrated B.Sc + M.Sc program in Cell and Molecular Biology at MSU, Baroda ticks all the right boxes and aligns with your daughter's interests and goals, it could be a great choice. ​It is ranked #701-750 in Asian University Rankings 2023.​ Just make sure to gather as much information as possible and weigh the pros and cons before making a final decision.

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Ramalingam Kalirajan  |5194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Hi Sir, I have invested in a policy of HDFC bank with name HDFC Life Uday. In this I have been investing 24K per annum. Same amount i have to invest for 8 years that will end up in 2026. Maturity time is 2030. Can you please tell me how much amount will i get on maturity.
Ans: You have invested in the HDFC Life Uday policy, a traditional, non-linked insurance plan. You are paying Rs. 24,000 annually for 8 years, with the policy maturing in 2030.

Understanding HDFC Life Uday
HDFC Life Uday offers a combination of savings and protection. It includes a guaranteed sum assured and potential bonuses. However, this type of policy has several disadvantages.

Disadvantages of HDFC Life Uday
Lower Returns: Traditional policies typically offer lower returns compared to other investment options. The returns may not keep up with inflation.

High Costs: These policies often have higher costs due to premiums covering both insurance and savings components.

Limited Liquidity: Traditional policies have long lock-in periods. Accessing your money before maturity can be difficult and costly.

Inflation Impact: The fixed returns may not keep pace with inflation, reducing the purchasing power of your maturity amount.

Complexity: The structure of bonuses and guarantees can be complex and less transparent.

Surrendering the Policy
Given the disadvantages, it may be beneficial to surrender your HDFC Life Uday policy and reinvest in more efficient options.

Surrender Value: Before making a decision, check the surrender value of your policy. This is the amount you will receive if you terminate the policy early.

Reinvestment Strategy: Consider reinvesting the surrender value in mutual funds. Mutual funds can provide higher returns and greater flexibility.

Benefits of Mutual Funds
Higher Returns: Mutual funds generally offer higher returns compared to traditional policies.

Diversification: Mutual funds invest in a variety of assets, reducing risk.

Liquidity: Mutual funds are more liquid, allowing you easier access to your money.

Professional Management: Funds are managed by experts who adjust investments based on market conditions.

Flexibility: You can choose from a wide range of funds based on your risk appetite and financial goals.

Investing Through a Certified Financial Planner (CFP)
Consider investing in mutual funds through a Certified Financial Planner (CFP). Here’s why:

Expert Guidance: A CFP provides personalized advice tailored to your financial goals.

Regular Monitoring: They continuously monitor and adjust your investments to optimize returns.

Comprehensive Planning: CFPs offer a holistic approach, covering all aspects of your financial life.

Final Insights
Given the lower returns, high costs, and limited liquidity of traditional policies like HDFC Life Uday, it may be wise to surrender the policy. Reinvesting in mutual funds through a Certified Financial Planner can provide higher returns, greater flexibility, and professional management. Review your surrender value and consult a CFP for personalized advice and a comprehensive financial plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Samraat Jadhav  |1891 Answers  |Ask -

Stock Market Expert - Answered on Jul 24, 2024

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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