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Should I Send My Daughter Abroad for an Interaction Design Master's After Finishing Her Industrial Design BA?

Sushil Sukhwani |550 Answers |Ask -Follow

Study Abroad Expert - Answered on Sep 02, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more

Asked by Anonymous - Aug 26, 2024Hindi

Career

My daughter has completed her bdesign in industrial design she wants to do masters in interaction design should I send out of India or purse it in India

Ans: Hello,

First and foremost, thank you for getting in touch with us. Congratulations to your daughter on completing her Bachelor of Design. As an answer to your query, I would like to let you know that sending your daughter abroad to pursue the course can be advantageous. Obtaining a master's in interaction design overseas offers several distinct advantages. A number of global programs provide state-of-the-art syllabi that include the most recent technologies and methodologies in interaction design, like human-computer interaction (HCI) and user experience (UX) research. I would like to tell you that students frequently acquire real-world experience via partnerships with businesses, internships, and real-world initiatives, thereby enabling them to apply what they have learnt in the classroom. Moreover, these courses often employ a multidisciplinary approach, incorporating design with subjects such as computer science and psychology in order to gain a more thorough understanding. Students also gain from having access to cutting-edge facilities and tools, which can help them experiment and be creative. The United States, the United Kingdom, Sweden, Germany, and the Netherlands offer strong programs in interaction design.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

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Sushil Sukhwani |550 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 22, 2023

Asked by Anonymous - Aug 02, 2023Hindi

Career

My daughter is studying at nift gandhinagar Textile design third year. Fornmaster whichbare the best indian and abroad institute. Should she work for 1 year then go for masters .what do u suggest

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to know that your daughter is studying Textile Design at NIFT Gandhinagar, and is currently in the third year. To answer your question first, I would like to inform you that we only deal with overseas education. As an answer to your query, you would be happy to know that there exist a number of outstanding universities that offer Textile Design overseas, viz., Rhode Island School of Design in the USA, Central Saint Martins in the UK, and the Royal College of Art in London. Next, pertaining to your question as to whether your daughter should work for a year prior to pursuing a Master’s degree, I would like to tell you that doing so can not only offer your daughter relevant hands-on experience, but also a defined career trajectory. This gap year will enable your daughter to hone her passion/interests and establish a robust portfolio, which can prove beneficial when she applies to prestigious master's programs. Not just that, while acquiring professional experience, your daughter can become aware of the particular fields of interest within textile design, which in turn, can assist her in opting for a program that best resonates with her professional ambitions.

For more information, you can visit our website.

Geeta Ratra |144 Answers |Ask -Follow

Visas, Study Abroad Expert - Answered on Nov 07, 2023

Question by Yadav - Oct 15, 2023Hindi

Career

Sir, My daughter has completed MBBS from Ukraine. Now, she is writing FMG examination in India. Is it ok to send her abroad for higher education to make future prospectus? Which country is better? Which course and University is best for her.

Ans: It's great that your daughter has completed her MBBS. Going abroad for higher education can be a promising path. The choice of country and course depends on her interests and career goals. Countries like the US, UK, Canada, and Australia offer excellent opportunities. Research universities and programs that align with her aspirations and consult with educational advisors for guidance on the best options.

Sushil Sukhwani |550 Answers |Ask -Follow

Study Abroad Expert - Answered on May 08, 2024

Question by Nergesh - May 07, 2024Hindi

Career

My daughter is persuing her studies in Physiotherapy (BPT) Final year through KLE College Belagavi, she wants to persue her masters from abroad, whih country can she choose

Ans: Hello Nergesh. Thank you for connecting with us. It is good to hear that your daughter has been pursuing her physiotherapy (BPT) degree from KLE College, Belgavi. Willing to pursue a master’s degree abroad is indeed a good decision to consider. Let me tell you that Australia, the United Kingdom, Canada, the USA, the Netherlands, and New Zealand are highly recommended nations for your daughter. Each of the mentioned countries has its own unique advantages and offerings that your daughter can carefully consider in order to find the best fit for her academic and career goals. Additional factors include programme reputation, faculty expertise, research opportunities, and career opportunities.It would be good if you let us know if your daughter has a specific country in mind from which she wishes to pursue her higher studies. Our expert team will contact you soon.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Chocko Valliappa |442 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Aug 24, 2024

Question by Sangeeta - Aug 10, 2024Hindi

Career

My daughter studying bachelor of design 4 th year after completing degree she want to take admission for master of design which university is better for master of design or out side india is better option

Ans: My reco would be to join another institutions within India for Masters in Design because this will allow your daughter to come out of her comfort zone, explore the new institution, learn in a different environment, make new connections. Opportunities outside India would give her all the advantages I listed for joining another instituion plus the opportunities to live, learn and contribute in a mult cultural environment. She should start her research now and and prepare for the application process.

Sushil Sukhwani |550 Answers |Ask -Follow

Study Abroad Expert - Answered on Sep 05, 2024

Asked by Anonymous - Aug 27, 2024Hindi

Career

My daughter is going tocomplete herB.Design in Interior Design and furniture design from a good University in Gujrat. I need to knowher options for doing Masters from UK,France,Italy in this stream. Are these coursesworth the expense and whether jobs are available after Masters

Ans: Hello,

To begin with, thank you for contacting us. I am happy to know that your daughter is going to complete her Bachelor of Design in Interior Design and Furniture Design. To answer your question first, I would like to tell you that your daughter has fantastic possibilities for pursuing a Master’s in Interior Design and Furniture Design in the UK, France, and Italy, all of which have design schools that are internationally acclaimed. In the UK, specialized programs are offered by institutions such as the University of the Arts London and the Royal College of Art. In France, Paris College of Art and École Camondo are prominent candidates, whereas in Italy, institutions like Istituto Marangoni and Politecnico di Milano are renowned. These countries boast thriving design industries, with post-graduation employment prospects available in sectors such as furniture manufacturing, architectural studios, and interior design firms, particularly in design hotspots such as Paris, Milan, and London. Also, obtaining pertinent internships or professional experience while studying can enhance employment prospects substantially.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Latest Questions

Milind Vadjikar |150 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

Hi, I am 56 with a take home salary of about 5L per month and expect to retire in 4 years. I have about 1.2 cr in PF+PPF and 4 properties worth 2.5Cr. Cash in hand 40L and equity worth 25L. From Jan24, investing about 2L per month in MF + Shares + others and wish to continue to next 4 years. Daughter is working and likely to get married in next 2 years (anticipate a spend of 35L). Son will join MBBS in 2 years with expected fee of 30L per year. Have no loans and well covered for mediclaim and term insurance. Am i covered for the expenses? Please suggest ...

Ans: Hello;

Your PF+PPF balance you can keep untouched so it may grow into a corpus of 1.6 Cr(7.5% growth rate assumed) + regular contributions over 4 years, at the end of your work life.

At your age I recommend you to resist temptation of dealing in direct stocks or even pure equity mutual funds due to the very high risk of volatility.

I propose you to put 30 L(6 month pay coverage) as emergency fund in ICICI Pru Liquid fund(Best returns on 6M criteria)+ facility of instant redemption upto 50K & balance T+1 working day.

10 L balance from cash in hand + 25 L of stock holdings could be invested in Tata money market debt fund(best returns on 1 year criteria). Both these funds have moderate & low to moderate risk profile respectively. This will serve as your corpus for daughter's marriage and grow for 2 years in the meanwhile.

The 2L investment per month which you have began from Jan-24 is expected to go into MF sip+ direct stocks+ other.

For the other investment you are the best judge but here again I would humbly appeal to you to avoid equity MFs and direct stocks considering your age and high risks associated with these asset type direct exposure.

I propose you to invest in equity savings fund instead which are less riskier then pure equity funds and can yield decent return too. I recommend two funds in this category with best returns on 5 yr criteria & AUM above 1K Cr. Mirae Asset equity savings fund and Kotak equity savings fund.

A 2 L sip into these two funds for 4 years will yield a corpus of 1.16 Cr (Modest return of 9% considered). This will fully cover the cost of education for your son.

The best aspect of your financial planning which I admire and respect is No loans, well covered for mediclaim, term insurance and investment in real estate.

I have given my opinion, ultimately you are the best judge.

Feel free to revert in case of any query.

You may follow us on X at @mars_invest for updates

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

Dr Dipankar Dutta |609 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 17, 2024Hindi

Career

Sir I am btech - industrial biotechnology (4 years ) student. Now I'm in 3 rd year . My family financial situations didn't ain't me study msc or mtech or going abroad. So.. I'm planning to work hard for an year to get government job in my biotech field. However, biotech in india is just in it's initial stages . I didn't find good jobs in biotech industry for graduates and I even google many times about this concern. Could you please guide me ? What are best rated - government and private jobs in biotechnology field for biotech graduates ? I want each of jobs list If not any other alternatives ? What are the entrance exams I can appear for mtech pursuing at free of cost in India ? Is there any entrance exams to get a govt job in biotech field for graduates ? I'm bothered with many quests???????? I'm so... Worried about my career . Hope I'll get my answers from your team as soon as possible Thank you ????

Ans: Biotechnology graduates can apply for various positions in government organizations, research institutes, and labs. Below are some of the key government organizations where biotechnology graduates can find jobs:

Government Organizations:
Department of Biotechnology (DBT)
Council of Scientific and Industrial Research (CSIR)
Indian Council of Medical Research (ICMR)
National Institute of Immunology (NII)
All India Institute of Medical Sciences (AIIMS)
Biotech Consortium India Limited (BCIL)
Food Safety and Standards Authority of India (FSSAI)
Indian Institute of Technology (IITs) as technical assistants or lab technicians
Central Drugs Standard Control Organization (CDSCO)
Defense Research and Development Organization (DRDO)
Public sector units (PSUs) like Bharat Immunologicals and Biologicals Corporation Limited (BIBCOL)

Key Entrance Exams:
GATE (Graduate Aptitude Test in Engineering): Scores in the Biotechnology paper can help you get into prestigious institutes like IITs and NITs for M.Tech with scholarships.
DBT JRF BET: Provides a fellowship to pursue a PhD in biotechnology.
ICMR JRF: For research fellowship and PhD positions.
CSIR UGC NET: For lectureships and research in biotechnology.
JNU CEEB: For postgraduate programs in biotechnology across many universities in India.

Milind Vadjikar |150 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Question by Nitesh - Sep 17, 2024Hindi

Money

Hello Sir, I had invested money with a broker. However after paying all the taxes and everything. They are not returning my money. Please let me know what steps I can take against them

Ans: Please file a police case for cheating. Also lodge a grievance with sebi online giving detailed account of your complaint, FIR copy, names of brokerage firm officials and estimated loss.

Milind Vadjikar |150 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 09, 2024Hindi

Money

Hi I am 44 years old working for almost 21years now. I have accumulated close to1.6Cr of corpus through diversified portfolio in FD, MF, Stocks etc. I am undergoing health issue post recovery from a major illness and not able to mentally and physically cope up with the demand of the Job which is paying me around 2.5L/Month. I want to settle for a less demanding job even at 50% lesser salary. With my current corpus how to invest it so that i get a monthly interest to maintain my current lifestyle without reducing my corpus.

Ans: You can buy immediate annuity from an insurance company for your corpus of 1.6 Cr as joint holding by you and your spouse and return of purchase price to you, your spouse or nominee either after completion of tenure or expiry of the annuity holder/s.

Assuming modest rate of 6% will yield you a monthly income of 80K per month(pre-tax).

You can always negotiate and shop to get a better rate for your annuity.

If you suppliment this with low stress, less exertion job at 50% of your current salary you will have monthly income of 1.25 L + 0.8L = 2.05 L per month.

Although annuity rates are typically lower you can lock them for a longer tenure.

Most companies or banks offer 5 year FDs.

Few do offer 10 year FDs but then you have TDS deducted at 10% from your interest payout. Also FDs are not entirely risk free.

In case of annuity TDS is not deducted, so far, since tax liability is with the annuity holder.

Please do take care of your health and wish you speedy recovery.

In case you any other concerns, feel free to revert.

T S Khurana |96 Answers |Ask -Follow

Tax Expert - Answered on Sep 17, 2024

Question by Aditya - Aug 13, 2024Hindi

Money

Filed My ITR on 31 July and received refund with 0.5c/o of 1 Month instead of 5 Months from 01 April 2024. The TDS amount is 85940 and Tax Liablity is NIL. The Refund received is 86370/- Rs. Should I raise the Query or the Refund Interest of 430 of only One Month is right from ITD.

Ans: You are entitled to interest on TDS deducted from April till the date of refund, provided you file your ITR within time limit.
However, as the amount of interest is small, you may avoid unnecessary correspondence & ignore the same.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |150 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 17, 2024Hindi

Money

Sir, I had invested in HDFC Sanchay Plus in Long-Term Income Plan. It was a insurance and regular income plan for a period of 30 years. I paid up for five years as mandated by the policy. The pay out would commence from 7th year annually upto 30 years. The principal amount would be paid on completion of 30th year of enrollment. I appears the return of investment was less than 5% and diminishes further with time. I decided to withdraw from the scheme however the HDFC Life is deducting a huge sum from the invested amount. I requested to atleast return the principal amount invested without any add-on. But HDFC Life is referring to the policy clause and declining to return the invested amount. How can I retrieve the invested amount in this scenario. Thanking you in anticipation.

Ans: Most of the people make this mistake of considering insurance coupled with investment as good combination. The fact that insurance regulator allows insurance companies to use words such as "Guaranteed", "Assured" which entice gullible investors, makes things more difficult.

Endowment or money back policies never yield return over 5 to 6%.

Even ULIP policy returns above a threshold will now be subject to long term capital gain tax apart from fund management, policy administration and other heavy charges during first 5 years.

Insurance is for pure protection hence term insurance with appropriate riders is best option.

Unfortunately there is no way you can seek higher surrender value payment because you are contractually obligated by the terms and conditions of the policy agreement.

T S Khurana |96 Answers |Ask -Follow

Tax Expert - Answered on Sep 17, 2024

Question by Padmanabhan - Aug 10, 2024Hindi

Money

As for net maturity proceeds where TDS deducted by LIC with regard to single premium policy, do we've to show the entire net amount as other income in the same year? For the bonus accrued over the policy tenure, any option available for tax benefit?

Ans: 01. You have to show full details of the policy, i.e., Sale/Maturity amount received, its Cost (Premiums paid) & Net Gain.
02. You are supposed to pay your tax, if any & also claim credit for TDS deducted.
03. I suppose, Bonus received by you during the policy period, would have been declared in your ITRs of previous years.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |150 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Question by Sameer - Sep 11, 2024Hindi

Money

Hello I am myself placed very weakly in terms of financial planning. My age is 55-years now and I have just 20-lakhs in bank account. A few policies are there valuing hardly a few lakhs. My Son is 14-years. I am a salaried person and my service will continue for another 5-years. My monthly expenses go up to Rs. 1 lakhs per month. Please let me know how should I invest so that I get at least Rs. 1 crore when I retire. Thanks

Ans: Hello;

I understand your concern.

At your age I am not comfortable to suggest pure equity schemes for investments. I would recommend you to invest 20 L lumpsum in SBI Conservative hybrid fund (growth). This will yield you a corpus of 30L after 5 years considering 8% modest return.

Also if you start an SIP of 90K into Mirae Asset equity savings fund (less riskier then pure equity funds), after 5 years it will yield you a corpus of 70.27 L considering modest return of 10%.

Therefore your comprehensive corpus now will be 30L + 70.27L = 100.27L corpus, which is your target.

Please utilise part of your EPF corpus/LIC policy maturity proceeds for funding your son's education.

Also please take good healthcare cover for you and your family.

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

You may follow us on X at @mars_invest for updates.

Happy Investing

T S Khurana |96 Answers |Ask -Follow

Tax Expert - Answered on Sep 17, 2024

Question by SESHAN - Sep 16, 2024Hindi

Money

If i sell my shares of about one lac and purchase shares of other cos for 1 lac + accrued profits, do i have to pay income tax?

Ans: 01. You have not mentioned, whether share you want to sell are covered under LTCG or STCG.
02. If covered under LTCG, , it shall be exempt up to Rs.1.25 lakh, & rest, if any shall be taxed.
03. You are free to purchase shares of other companies, with the sale proceeds
MOst welcome for any further clarifications. Thanks.

T S Khurana |96 Answers |Ask -Follow

Tax Expert - Answered on Sep 17, 2024

Question by BRKARLUPIA - Sep 17, 2024

Money

Sir Sat Sri akal I sold some land to purchase a flat four years back in 2020 and payment made then but registered in court in 2022 due to covid and non-completion in time.It is just two and half years after registration and four years after payment.Please intimate whether I can sell it under LTG as being second time sale or when so that I could able to save income tax...... from B.Raj jk

Ans: 01. Your question is not very clear, but what I understand is that your Purchased a Flat/House in 2022.
02. Now, you want to sell it as Long Term Capital Asset (during f/y 2024-25.
03. Kindly ensure that there should be a gap of at least 2 years, between purchase & Sale of Property to be taxed under LTCG. In your case time line is important, so kindly watch the same.
04. Another important point is that if you have availed any exemption u/s 54, in your ITR for f/y 2022-23, then you must keep the property for 3 years, before it is sold. If your don't comply with this, the exemption you availed earlier may not be valid & the same will become taxable.
Most welcome for any further clarification. Thanks.

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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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