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Stuck in Debt and Unskilled: How Can I Find a Good Job After 8 Years of Education?

Patrick Dsouza |873 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Aug 08, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Question by Anmol on Aug 05, 2024Hindi

Career

i done my b.com from kanpur in 2018 after that i took 2 yrs drop to prpare CAT Exam but sadly I got very less marks inspite of studying day and night and than I thought to took admission in tier3 college in Greater noida instead of wasting 1 more year but sadly after completing MBA in Marketing stream I also took loan of 4 Lakh for same but Sadly I did'nt got placement in college in 2022, then I decided to return To kanpur and search Job there because it requires additional accommodation cost outside city to search job there but Sadly I didn't get job there since there is very less oppurtunitiies so in 2024, I decided to move to noida city to search job but Sadly here I am getting only 10-15K job in BPO sector even Class 12th passout also getting the same, I realise I wasted 8 years in collecting degrees have no use. I am also in DEBT of 4lack, That i took to finance MBA course, What should i Do????

Ans: Can look at doing short courses online (there are free courses available on various platforms) to upskill yourself and keep looking for better jobs by going through a placement agency.

Asked on - Aug 08, 2024 | Answered on Aug 09, 2024

but I hav done many courses- digita mareting, accounting, etc but not got oppurtunity in that domain

Ans: Then focus on getting a job by contacting placement agencies.

Asked on - Aug 09, 2024 | Answered on Aug 10, 2024

NO, I HAVE DECIDED TO MOVE TO NOIDA AND SEARCH THERE

Ans: Ok

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Question by Depic - Jun 23, 2023Hindi

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My self commerce finance and pg diploma logisticts and fright from reputed institute i have been worked icici ltd dtdc express ltd flipkart and now builder firm my jourerny almost 14 year include position started unit manger to seniour business head position know the mid age 45 all the job and business in realeste shirnk last 3 year badly continues debts and insecurity just becuase continue failuer or business and job after covid and lockdwon no stablity what the hell high professioal and educated no stablity or availbltiy of job and also business discountinue last 1 year pls advise should settled uk usa middle east or start the business but not profitable or secondly in delhi i saw low cat baniya bihari earnig higher rather than high professional and educated govt failed to provide job business in my level tell me what i do ?

Ans: Oftentimes, attitude and mental makeup matter more than qualifications. It is important for you to first stabilise yourself in at least one key area of your life and improve your self-confidence and self- belief. A focus on improving your financial situation first may be a start

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Question by Jeet - Apr 16, 2024Hindi

Career

I have completed my civil engg from reputed govt college in 2016 and after that I went for gate coaching i got 35 marks in gate 2017. (I know this is not my best I can do better). After that I started preparing for technical govt exams. After one year some of my prelims were missing by .25 marks 2 marks that time I gave up. And started doing site internship to start my own civil engg consultancy firm. But I got one opportunity to do job as lecturer in polytechnic college so I started doing job at polytechnic college. After 6 months again I started doing studies and cleared mains of state 2019 PSCs Assistant engg. And missed rrb je post by 2 marks in mains. After that exam corona came and I couldn't keep myself on the track and one year again wasted. In 2021 March I have started preparing for prelims and cleared prelims and for mains exam I joined one online class named super 40 and already half syllabus was over at time.of joining so I started watching lectures and as lectures were lengthy and so much lectures were there so I couldn't do revision properly and I lost my self confidence due to that coaching and it was totally waste of money. Again that time it was time everyone was saying do software classes to get job and many of mine friends done those classes so I also joined one to get job and successfully wasted another 6 months. I don't know what to do now. I still feel that If I can study for another 5/6 months I can clear rrb je. In between I got offer of 25k per month as site engineer I denyed that. It's been 8 years since my degree and still. unemployed. Please help me out.

Ans: Dear Friend , When You are not focussed or keep on changing your plans , it is bound to happen. In these precious 8yrs you could have made your career in Civil Engg. However you wanted to start your consultancy or then wanted to try your hand in Govt Jobs or some times you tried your hand in teaching but quit the job. If you delay in taking a firm decision , even getting a job in your core field will be difficult. So get into a stable job and build you career.

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CAT, XAT, CMAT, CET Expert - Answered on May 07, 2024

Asked by Anonymous - May 07, 2024Hindi

Career

Hello I am 30 yr old female,I have 3yr of gap as I was preparing for upsc,then I switched to public sector banking by qualifying govt exam.I worked there for 2 years.As I was not satisfied with the working environment and incentives I started preparing for cat.I left my job to prepare full time for cat.Bit due to exam day fear I am unable to perform well on the d day of cat.I am guilty that I left job but at that time I was confident I will clear it.Right now I am working at an IT startup.I am utilising the time by upskilling but I still want to do MBA.I have to start as a fresher in IT Sector which feels like a shock to me and salary is less.I am struggling and also not eligible for govt exams. Career xDo you want to be the first to know when a rediffGuru answers a question?

Ans: If you have 4 or 5+ years of work experience, you can try for executive MBA from any of the top institutes like IIM A, B, C, ISB, XL, etc. You would need to write the GMAT for the same. If you have less than that work ex, then can try for executive MBA from either ISB or Great Lakes.

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Asked by Anonymous - Sep 04, 2024Hindi

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My son has completed a Diploma in Aerospace Engineering from a polytechnic in Singapore. He is considering pursuing a degree either in Mechanical Engineering or Material Engineering at Nanyang Technological University (NTU). Which degree would you recommend?

Ans: Certainly Mechanical Engineering, because it is having a very wide scope. Best of luck to him. Just follow me. GOD BLESS HIM. Professor....................................:)

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Question by Subarna - Nov 21, 2024Hindi

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My daughter is a B Tech (Biotechnology) student at VIT Vellore. Which companies should she apply for summer internship at the end of second semester?

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Question by Sandeep - Nov 20, 2024Hindi

Career

My son has joined CSE core in Manipal University Jaipur. How is the college and placement.

Ans: I am not entitled or empowered to give any comment about the reputation and placement opportunity of any college or institution or university. It is not ethical. If you want directly contact the Training and Placement Cell of the Manipal University Jaipur. Just follow me. GOD BLESS YOUR SON. Professor.............................................:)

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Question by Rakesh - Dec 03, 2024Hindi

Career

my daughter is doing 2nd year electrical engineering from nit suggest online course to enhance her carrier

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Milind Vadjikar |741 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 03, 2024

Question by Nitiksha - Dec 03, 2024Hindi

Money

What happens when a Mutual Fund company shuts down / gets sold off?

Ans: Hello;

If a mutual fund company gets sold or fails, the process is prescribed by SEBI:

In case MF company is Sold,
The new fund house may:
1. Continue the scheme with a new name and management.

2. Merge the scheme with similar funds and offer investors the option to exit without any exit load.

In case MF company shuts down,
The fund house will:
1. Pay out investors based on the fund's last recorded Net Asset Value (NAV) and the number of units the investor holds, after deducting expenses.

2. If the company is not in a position to do so then SEBI may liquidate the funds assets and distribute the proceeds to unit holders.

It is also pertinent to note that mutual fund regulation in India is one of the most stringent and hence best, from investor's point of view, globally.

This is not just in theory. We have seen how the Franklin Templeton abrupt closure of debt funds was handled with surgical precision, by SEBI, with no loss to unitholders.

Skin in the game regulation mandates that 20% salary of key mutual fund personnel and fund managers is paid in terms of units of their funds with a 3 year lock-in.

The stocks and bonds purchased by the AMC for the fund are held by a custodian, appointed by the trust that administers the fund.

The trust engages into a investment management agreement with the AMC for managing the fund as per their mandate and within regulatory guidelines.

Registrar and Transfer Agents handle the investor registration,kyc, maintaining records, providing account and tax statements etc.

Happy Investing;
X: @mars_invest

Archana Deshpande |77 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Dec 03, 2024

Question by Manoj - Oct 05, 2024Hindi

Career

My 17 years son is uninterested in studies, never attended a day of 12th class & always with non student elder friends, returns late-night after 12-1 am. Quarrel with parents & ready to get physical fight with me? What is the solution?

Ans: OMG Mr Manoj...please take external help, take him to a doctor and get your beautiful son back into the family fold. He needs help and a father/family needs to stand with him like a rock to get him back to living a good life. See where he goes, what he does and then talk to him!! Don't blame, don't criticize...your son needs you... Just be there for him, he is yours ...nobody can do what you can do. Love him , cherish him... get him back!!Pls take action in the best interest of your son. All the best..

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Insurance, Stocks, MF, PF Expert - Answered on Dec 03, 2024

Asked by Anonymous - Dec 03, 2024Hindi

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Can we get a refund if there is foreclosure of SBI life insurance due to non payment after grace period is over?

Ans: Hello;

Depends on the terms and conditions of the policy but generally if you don't pay the premium for the policy then it may be converted into paid up policy by the insurance company.

You may get coverage for a reduced sum assured for the balance term of the policy and maturity payment inline with the terms of paid up policy.

But if you surrender your policy then the surrender value, as applicable, is the refund you will get in this case but the life insurance cover will come to an end.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Dec 03, 2024

Asked by Anonymous - Dec 03, 2024Hindi

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I am planning to invest 1 cr in SBI balance advantage fund. How is the predicted future of SBI balance advantage fund?

Ans: Hello;

What is your time horizon for this investment?

We can ensure a balanced asset allocation and adequate risk mitigation.

Regulation prohibits us from making future performance prediction regarding stocks or mutual funds.

However if you feel dynamic asset allocation fund(also called balanced advantage fund) is the appropriate category of mutual fund for you, then you may split your lumpsum investment equally in top funds in this category.

Happy Investing;
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Ravi Mittal |450 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 03, 2024

Asked by Anonymous - Dec 03, 2024Hindi

Relationship

Hello, my wife is Ugandan and I’m of English national, 30 years old and she’s 26, we met nearly a year ago and got married in uk with some of her friends and small family. We haven’t done kuchala (not sure if that’s correct spelling) yet and I’m feeling anxious for when the time comes. She said her family will kneel when they greet me and being white this is already stinging my moral (due to history). I also talked about moving in together before the meet the parents happen however she says she’s rather move in after? Currently this could take two years before going to Uganda, how should I proceed without overstepping her cultural beliefs as after all we are married and by my culture we should already be living together

Ans: Dear Anonymous,
It is very nice of you to be so considerate and sensitive while handling these cultural nuances. Let's discuss the kneeling tradition. It's a sign of respect and it's deeply rooted in Ugandan culture. While I understand your point of view, you also have to remember that it can have significant meaning to her and her family. I suggest you politely express your feelings and let her know why it is uncomfortable for you to see her family kneel. When you explain, mention how much her culture means to you as well. I am sure both of you can communicate and come to a compromise that makes you both happy. Just in case, they persist in following the ritual, just look at it as a gesture of love and respect and not submission.

About the moving in together part, in certain parts of the world, couples living together before the traditional wedding is not considered respectful. But since you are already married, you can try explaining to your wife how the living situation does not go against her cultural expectations. But if it is a really big deal for her and her family, consider seeing it from her perspective.

Communication is everything here. Look at every problem as a team; it's not your problem vs her problem. It's both of you vs the problems.

I hope this helps

Ravi Mittal |450 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 03, 2024

Question by jayesh - Nov 27, 2024

Relationship

Iam 42 yrs old and i have crush on a female which board my train and get down the same station. From that day she meet me for a day or so as we share one bus stop for office going. Then afterward she met me once a week or occasionally and iam getting feeling towards her. While on the bus stop if i see her i usually follow her and greet her(for couple of minutes). Today while i was talking i made eye contact with her and she too. And if she see me she allow me to touch her hair and body too Dont know what to do kindly guide me.

Ans: Dear Jayesh,
The best way to confirm if she shares the same feelings for you is to simply ask. Tell her how you feel and ask if she feels anything close to that for you. If she says yes, then you can ask her out on a date- maybe start slow with a cup of coffee and see where it goes. If she says no, then please do not take that as a sign to pursue her some more and convince her.

Hope this helps.

See more questions »

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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