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Nayagam P P |4022 Answers |Ask -Follow

Career Counsellor - Answered on Jun 05, 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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Question by Jignesh on Jun 05, 2024Hindi

Career

Sir, my son is getting B tech in CSE at Bennett university G noida and also B tech in AI & ML at Symbiosis institute of technology pune. Sir which one is better? Please help me out and guide me.

Ans: Jignesh Sir,

Both are top-ranked Universities.

As far as Courses (CSE & AI-ML) are concerned, it is advisable go for Symbiosis, Pune, as AI-ML is a fast-growing field. Also Symbiosis, Pune, has more 95% campus placement records during the last 5-years like Bennett University.

Hope I have clarified your doubts, Sir. If you need any other clarifications for your son or have questions for anyone, post your questions (in detail) to me here.

Follow Me here in RediffGURU to know more on ‘Careers / Education / Jobs / Resume Writing / Salary Negotiation Skills / Building Professional LinkedIn / Exam Preparation Techniques / Skill Upgrading’,

All The BEST for your Son’s Bright Future from RediffGURU.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach | Career Guru |
https://www.linkedin.com/in/edujob360/

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Nayagam P P |4022 Answers |Ask -Follow

Career Counsellor - Answered on Aug 07, 2024

Asked by Anonymous - Jun 05, 2024Hindi

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Sir, my son is getting B.TECH in CSE at Bennett university and BTech in AI & ML in symbiosis institute of technology pune. Sir which is better? please guide me.

Ans: Prefer Symbiosis-AI&ML. All the BEST for Your Son's Bright Future.

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

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Question by Cm - Jan 01, 2025Hindi

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What happens if UAN is not activated due to name mismatch?

Ans: Hello;

You will have to resolve the name mismatch by following the due process.

Else your UAN will remain inactive and you may not be able to use online services offered by EPFO.

Best wishes;

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 21, 2024Hindi

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I am having about 2 lakh in my PF out of which, ,I am allowed to borrow 1.5 lakh for housing purpose. After borrowing 1.5 lakh I am willing to pay the amount back to PF in small installments every month other than employee contribution. But my employer never entertain the voluntary contribution. Is there any other way to return back the amount borrowed from Provident Fund.

Ans: Hello;

You may consider it as partial withdrawal from EPF for house purchase.

No need to repay it. It's your own money which you are allowed to partially withdraw subject to certain conditions.

However your PF kitty will need to be replenished through regular contributions.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by VEDANTAM - Jan 02, 2025Hindi

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Hdfc Std Life always lags it's peers, particularly not doing well at all of late. Returns have dwindled. Recommendation?

Ans: Hello;

It is fundamentally a good stock however my view is that in the short to medium term (2-5 yrs) it may test your patience with not much movement anticipated however for a long term horizon(5 yr+) outlook is quite positive.

You may consult a sebi registered research analyst for more appropriate feedback.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 30, 2024Hindi

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I am 57 years old, have 3 cr in stocks and mutual funds, and I intend to invest another 2 cr because I make 1 cr a year. After reiteration, my monthly expenses would be 2.0 lacs. Could you please tell me if this is enough money to retire?

Ans: Hello;

You will need a minimum corpus of 6 Cr to generate post-tax monthly income of 2.1 L+ through annuity.(6% annuity rate considered)

After fulfilling monthly expenses you may do a monthly sip of around 10-15 K in a relatively low risk hybrid fund.

This can grow into a corpus of 40-60 L in 15 years which may be used to enhance annuity income for inflation.(9% returns considered)

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Question by Rajesh - Dec 19, 2024

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Hi, My age is 42, salaried 1.5 lakhs per month in chennai, 2 school going kids. Own appartment worth 50 lakhs-- 8 yrs to complete the loan. also own Ancestor property 2 houses in same city. Wife working as teacher in small school. Regarding expenses, home loan 45k, house hold expense 50k, gold -7K, Mutual funds-- 15K, Shares--10K, NPS--- 5K. Till date my total savings is equity portfolio 21lakhs, Mutual fund-6 lakhs, EPF - around 23 lakhs i plan to retire in next 10-12 years, expecting my corpus atleast 3 to 5 crores, can you suggest best way to realign my portfolio Tnx in advance

Ans: Hello;

What is the current value of your share in the ancestral property?

Are you in a position to sell it whenever you want or it depends on concurrence of other people?

Please clarify.

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Hello sir,I am recent graduate from ECE and it's already been 6 months and I am not able to get a job and now I am confused what to do next please guide me

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Ans: Follow the website of the exam authority. Professor

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Career Counsellor - Answered on Jan 03, 2025

Asked by Anonymous - Jan 03, 2025Hindi

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Hello, planning to appear for the CUET PG exam this year. I am 24, working full time in Mumbai. I am not clear about the frequency of the exam. Is CUET PG conducted only once a year, or I can choose the date? Are there any changes in the exam that I should be aware of?

Ans: Please search in net. I am not the right person to guide you about exam date. Be in touch with the exam authority. Best of luck. Just follow me. May God Bless You. Professor..................................:)

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Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by LetsExplore - Dec 29, 2024

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Which bank should I invest for Fixed deposit with higher interest rates and lower risks?

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Higher interest rates are always associated with higher risks.

Return of Capital is more important than return on Capital.

Make your FDs with big Govt banks or large private banks of repute.

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Tax Expert - Answered on Jan 03, 2025

Question by Chandravijay - Jan 03, 2025Hindi

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UAE nowadays does not issue TRC. Is it true?

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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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