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Sushil Sukhwani  |555 Answers  |Ask -

Study Abroad Expert - Answered on Apr 22, 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
RITESH Question by RITESH on Apr 22, 2024Hindi
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Career

Sir , my daughter wishes to opt Psychology as a subject in her graduation and Clinical Psychology in PG . What does she needs to do to secure a decent job ?Are there any professional courses that would help her?

Ans: Hello Ritesh. Thank you for connecting with us. It is understandable that you are concerned about your daughter’s future early on. Let me tell you that pursuing a degree in Psychology and a PG in clinical psychology is a viable option. After her master’s degree or as an alternate to a master’s degree, she can consider pursuing specialised courses in cognitive-behavioural therapy, family therapy, or other areas of interest within clinical psychology. Also, there are certificate programmes in areas like cognitive-behavioural therapy, psychotherapy, etc. that can significantly enhance her career prospects. Coming to the job, let me tell you that we do not deal with job assistance yet. But surely we can guide her regarding a bachelor’s or a master’s programme for overseas education. Do let us know in which country your daughter would like to pursue her education. Our expert team will get in touch with you shortly to give the best guidance to your daughter.

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.
Asked on - Apr 23, 2024 | Not Answered yet
Thank you Sir for your reply .

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Nayagam P

Nayagam P P  |3916 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2024

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Career
Sir, My daughter is studying in Grade XII, with commerce and psychology. she intends to specialize in psychology. Please can you advise courses available in India and is it worth pursuing psychology as a career. Thanks.
Ans: Yes Ronald Sir. Pursuing psychology is highly beneficial, particularly for girls. Here are the Courses & Career Options for your Daughter.

Undergraduate Courses:
• B.A. (Hons) Psychology or B.Sc. Psychology: Focuses on human behavior, cognitive processes, and mental health.
• Integrated Courses: B.A./B.Sc. + M.A./M.Sc. in Psychology (5 years): Combines undergraduate and postgraduate studies.
• Specialized Bachelor's Programs: B.A. in Applied Psychology and B.A. in Counselling Psychology.

Postgraduate Options:
• M.A./M.Sc. in Clinical Psychology (for therapy and clinical roles).
• M.A./M.Sc. in Counselling Psychology (for counseling in schools, workplaces).
• M.A./M.Sc. in Organizational/Industrial Psychology (corporate HR and training).
• M.A. in Forensic Psychology (legal and criminal justice system).

Top Colleges in India for Psychology:
• Delhi University (DU), Tata Institute of Social Sciences (TISS), Christ University, Amity University, Fergusson College, Ashoka University, Symbiosis College of Arts and Commerce, Pune, St. Xavier’s College, Mumbai.

However, to get admission into any of these or other reputed colleges, your daughter should prepare well for respective entrance exams like CUET.
Career Prospects in Psychology:
• Clinical Psychology: Work in hospitals, clinics, or private practice.
• Counseling Psychology: Work in educational institutions, NGOs, or private practice.
• Industrial/Organizational Psychology: Work in corporate HR, talent management, and employee well-being.
• Forensic Psychology: Work with law enforcement or the judiciary system.
• Sports Psychology: Help athletes enhance performance and manage stress.
• Research and Academia: Conduct research or teach at universities.

All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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T S Khurana

T S Khurana   |197 Answers  |Ask -

Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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