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Nayagam P

Nayagam P P  |4071 Answers  |Ask -

Career Counsellor - Answered on Jun 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 - May 26, 2024Hindi
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Career

My daughter has scored 87% in 10th board from a ICSE school now she has choosen science stream i.e PCM with Compter Science. Please tell is it better to continue her studies with regular school or to switch to CBSE scool or to opt for dummy in order pass JEE exams or other competitive exams.

Ans: (1) To change to CBSE, as JEE is based on CBSE Syllabus (2) Avoid Dummy School as it may be blacklisted any time by the Govt. (3) You can even opt for Integrated Program in School for JEE preparation (or) join weekday / weekend classes in a Coaching Center nearby your house. All The BEST for your Daughter's Bright Future. To know more on ‘ Careers | Education | Jobs | Professional Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | IB | Cambridge?) | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

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She is telanted girl, My daughter, choses PCBM for higher secondry as she wanted to pursue jee. But as she is enrolled in IB school in. mp not sure about her choice. Should she needs to change school that offers cbse curriculum or go foe additional lear ing support like on line coachings apart from her regular school classes. Aldo she worries, is she doesn't score well in competition exams what would be her further ootions be like in abroad or inboard education.
Ans: For JEE, Siddiqui Sir, she should go to a CBSE school instead of an IB school because IB is too strict and she can't study for JEE and other engineering entrance exams there. Also, getting a good Percentile or Rank in the Engineering Entrances is necessary to get into any well-known college. When you pick out a CBSE school and teaching center for her, make sure it's not too far from her house and that the fees are reasonable for you. How well her online coaching classes work will depend on how motivated, dedicated, and smart she is when she studies (as you have mentioned she is a talented girl, this should not be a problem). If it's possible, you can even try to get into a UG program abroad by studying for the SAT. This shouldn't be too hard for her since she already has an IB degree. Please talk to your daughter about what she wants. And you should make your choice at least one year ahead of time, before she finishes 12th grade. Value addition information: She should appear for 5-7 entrance exams after 12th to have multiple options to choose the best among them. All the BEST for Your Daughter's Prosperous Future.

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Nayagam P

Nayagam P P  |4071 Answers  |Ask -

Career Counsellor - Answered on Jan 24, 2025

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Friends, My son is currently opting for Commerce with Computer group in Plus One and is considering the following courses: *B.Com.,* in 1. Business Process Services 2. ?Professional Accounting 3. ?Business Analytics 4. ?Business Process Management 5. ?Computer Applications 6. ?Fintech 7. ?International accounting(ACCA UK) 8. ?Self Finance 9. ?Strategic Finance (US CMA) 10. ?Cost & Accounting Mgmnt 11. ?E-Commerce 12. ?Financial System 13. ?Foreign Trade I seek your advice on the best course combination and future prospects. Could you please share your valuable suggestions and insights on the following: - Best course combinations for Commerce with Computer group - Career opportunities and growth prospects - Any additional courses or certifications that would enhance his career prospects
Ans: The Commerce with Computer group offers a wide range of courses for your son, based on his interests, strengths, and career goals. Some of the most promising options include a B.Com. in Business Analytics, which combines commerce and data analysis, and a B.Com. in Fintech, which focuses on technology-driven financial services. These courses offer career opportunities in sectors like e-commerce, IT, and financial services.

Additional certifications can enhance career prospects, such as ACCA UK certification, US CMA certification, and B.Com. in Computer Applications. These certifications will equip your Son with globally recognized accounting skills, allowing them to work in multinational corporations or abroad.

For a more tailored approach, your son can pursue certifications in accounting and finance, technology and business analytics, and management and strategy. Soft skills and global recognition can be achieved through IELTS or TOEFL courses.

To make an informed decision, you should discuss your son's interests, career goals, and job market, and focus on courses aligned with high-growth industries like analytics, fintech, or international finance.

All The BEST for Your Son's Prosperous Future.

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Nitin

Nitin Narkhede  |59 Answers  |Ask -

MF, PF Expert - Answered on Jan 23, 2025

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Hi Sir, I am retired and 63 years old. Having 50 lacs in equity.1.5 cr MF, 25 lacs in SCSS.expected landproperty sale of 4.5 cr also having own house and no education or marriage expenses of children. Medical insurance of 10 lack for me and wife. However intended to buy a residential property of 3 cr to get relax from capital gain post selling the land. And same will be given to daughter later. Need monthly expenses of 1.25 lack. Since market is too volatile. Kindly suggest way forward.
Ans: Dear Pralhad,
To manage your finances post-retirement and handle market volatility, allocate the ?4.5 crore from your land sale strategically. Use ?3 crore to purchase a residential property to save on capital gains tax and gift it to your daughter later. Allocate the remaining ?1.5 crore into ?50 lakh in SCSS for secure returns (~?16,000/month), ?50 lakh in RBI Floating Rate Bonds or POMIS (~?30,000/month), and ?50 lakh in balanced mutual funds for moderate growth. For your existing assets, keep ?25 lakh in SCSS and divide the ?1.5 crore mutual funds portfolio into 60% balanced advantage or hybrid funds for stability and 40% debt funds for steady income. Maintain 20-25% equity exposure (?50 lakh) in large-cap or dividend-yield funds for growth. Combined with a ?20-30 lakh emergency fund, this ensures a stable monthly income of ?1.25 lakh while safeguarding against market risks and providing for your family's future. Consult a certified financial advisor for personalized tax-efficient strategy
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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