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Confused parent: Manipal Bangalore CSE Cyber Security vs. MAIT Delhi CSE - Seeking advice

Nayagam P P |3908 Answers |Ask -Follow

Career Counsellor - Answered on Aug 14, 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 Ritika on Jul 03, 2024Hindi

Career

Sir my son got Manipal Banglore CSE cyber security and MAIT Delhi CSE what should we choose.

Ans: Ritika Madam, prefer MAIT-CSE. All the BEST for Your Son's Bright Future.

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Milind Vadjikar |638 Answers |Ask -Follow

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

Asked by Anonymous - Nov 15, 2024Hindi

Money

I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.

Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

Komal Jethmalani |368 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Health

Hello madam I m 45 years old male from last 2 year.I m type 2 diabetic patient.I m on intermittent fasting 18hrs..I take lunch at 13.00 and dinner at 18.30..I m on salad in lunch with protien 100gm no carbs and in dinner i take salad protien 100gm and 100gm cooked rice...My weight and height 78kg and 178 cm..I take 12000 steps every day.My H1abc is 49.I live in europe..Just looking youtube video I make discipline in my life..Is anything more i can do better? Thank you

Ans: I am glad that you've established a disciplined routine that's impressive and beneficial for managing type 2 diabetes. Keep track of your blood sugar levels before and after meals to understand how different foods affect you. Hydrate well and add healthy fats such as avocados, nuts, seeds, and olive oil which can provide satiety and essential nutrients without spiking your blood sugar. Incorporate fruits, vegetables, beans , etc. in your diet to ensure a good intake of fiber. While your daily 12,000 steps are excellent, incorporating other forms of exercise such as strength training or cycling, etc., will be beneficial.

Milind Vadjikar |638 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Krishna - Nov 11, 2024Hindi

Money

sir, I wish to start SIP of Rs 5000 each in one small cap , one midcap , one flexi cap and one multi cap funds.Please suggest me the funds where I can invest. I am planning to invest fir a period of ten years.

Ans: Hello;

You may consider following funds:

SBI Small cap fund
Kotak Emerging equities fund
PPFAS flexicap fund
Nippon India Multicap Fund

These funds are recommended based on relatively steady returns over 10 year horizon.

Happy Investing;

Milind Vadjikar |638 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 10, 2024Hindi

Money

Hi Nitin, I am 40, no saving, no investments. Was out of job in '22 restarted contractual work in '24. During this period of 2 years. I borrowed money from people (friends/ family) & credit card. Missed multiple EMI's. Cibil score has gone for a toss. Out of monthly income of 40,000 i have monthly due of 30,000 to clear each month. Please guide how i can turn around the situation.

Ans: Hello;

Only way you can turnaround the situation is by diligently repaying overdue loans.

Once loans are over start a monthly sip of 20 K. This can grow into a corpus of around 50 L in 10 years and around 1 Cr in 15 years. (12% return from equity funds assumed).

Best wishes;

Milind Vadjikar |638 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Kaushik - Nov 11, 2024Hindi

Money

Hello, I am 49 years old and seeking an early retirement. My total corpus at the current state is approx 8 Cr as per the following breakup. 1. Equity - 4.4 CR 2. FD - 1.05 CR 3. Gold - 1 CR 4. 2 nos Property - current valuation - 1.6 CR My curent monthly expenses is approx 1.5 lacs. I have done an medical insurance and I have zero debt. Is this situation is favourable for me to retire in next 1 year with considering life expentensy around 85 years. I am still unvesting 1 lac per month is equities. Thanks

Ans: Hello;

Kudos for a judicious blend of asset allocation.

I have assumed one property occupied by you (80 L) while the other property is let out(80 L) and considering 3% rental yield may provide you a monthly income of 20 K.

You may buy immediate annuity for a sum of 1.45 Cr which may provide you a monthly income of around 65 K (post-tax). (6% annuity rate considered)

For the balance 5 Cr corpus you may do an SWP in a low to moderate risk equity savings fund like ICICI Pru equity savings fund. A 3% SWP will get you a monthly income of 1.12 L (post-tax).

So your total post-tax monthly income in retirement would be 1.12+0.2+0.65= 1.97 L.

A modest return of 8% on SWP fund will be good enough to provide inflation adjusted income every year till the age of 85.

Avoid direct equity and pure equity mutual fund exposure in retirement. Invest through hybrid mutual funds, with low allocation to equity.

Happy Investing;

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 11, 2024Hindi

Career

Hi Experts, Should i take md/diploma in non clinical branch or drop for another year, this will be my fifth attempt. My current rank in neet pg is 87k.

Ans: Hi,If you have the opportunity to pursue an MD in Pharmacology, I highly recommend that you do so without hesitation. There are numerous opportunities for pharmacologists in the pharmaceutical industry. These companies are required to conduct clinical studies before marketing their drugs, making a background in pharmacology highly valuable. Therefore, pursuing an MD in Pharmacology can be a great decision for your career.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Ayesha - Nov 09, 2024Hindi

Career

I completed my mbbs from Kyrgyzstan but i am not eligible to give exam in pakistan for licence what can i do now plz suggest

Ans: Hi Ayesha,

I have a few questions for you:

1. Are you a citizen of India?
2. Is the exam you mentioned the licensure exam? If so:
- Why do you want to take it in Pakistan?
- Why did you not complete the licensure exam in India?
- Are you planning to settle in Pakistan?

If the answer to the first question is yes, then taking the licensure exam in Pakistan raises some concerns. I suggest it would be better for you to complete your FMGE in India and then move to Pakistan.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Manojkumar - Nov 15, 2024Hindi

Career

Kindly explain the process of getting MBBS admission in UK.MY DAUGHTER IS STUDING IN +2 PLZ EXPLAIN THE FEES STRUCTURE ALSO..

Ans: Hi Manoj,

Greetings! I wanted to discuss why she is planning to pursue medicine in the UK. A bachelor's degree in medicine is a foundational course, so I suggest she complete her MBBS in India first. For her postgraduate studies, she can reconsider studying abroad. Additionally, if she wants to work in the UK after completing her course, she will need to take the exit or licensure exam. Therefore, it may be better for her to finish her medical education in India. This is just my suggestion.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Nageswari - Nov 15, 2024Hindi

Career

Respected sir Covert university,Uk My son completed MBBS in Philippines. Now he has applied for MPH Is it good sir Kindly suggest me about the course and University please

Ans: Hi Nageswari,

I hope this message finds you well.

I wanted to inquire whether he has completed the FMGE in India. Without passing this exam, pursuing opportunities abroad may not be advisable. It is important for him to at least attempt the licensure exam and pass it. Without this qualification, seeking higher education will not be appropriate.

Additionally, I want to emphasize that completing a Master of Public Health (MPH) after studying medicine is often viewed as a step to gain entry into the U.S. healthcare system; however, it may not be as beneficial if he has not completed the licensure exam. If he intends to pursue higher education in medicine, he needs to finish the licensure exam in order to practice medicine effectively.

Therefore, it’s crucial that he focuses on completing the FMGE exam in India first

Mihir Tanna |964 Answers |Ask -Follow

Tax Expert - Answered on Nov 16, 2024

Question by Dipak - Nov 15, 2024Hindi

Money

Respect Sir I am a senior citizen. My gross income during FY 24-25 works out around Rs 7.5 lacs out of which Rs 5 lacs from bank interest. In addition to above, my LTCG earning during FY 24-25 is Rs 3.4 lacs How much will be my total tax liability under new tax regime considering. Rs 50,000/ as my standard deduction. Regards D chakraborty Delhi

Ans: Assuming 5 lacs as interest from FD and 3.4 lacs of LTCG is earned in 1st Qtr, tax liability under new tax regime will come to Rs.24960

Please note that 50k standard deduction is for salary/pension income and 50k deduction of Sec 80TTB is not available for new tax regime.

You can also calculate the same using income tax calculator available at https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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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