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Nayagam P

Nayagam P P  |6146 Answers  |Ask -

Career Counsellor - Answered on May 19, 2025

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 19, 2025
Career

My son has got selection in UPES CSE , in manipal he has score of 60 with 74 percent in board . In eamcet he has 38 k rank with option of getting cse seat in top 10 colleges in mgmt quota. We are based in Hyd and local colleges are nearby to home .

Ans: Based on your son’s profile and options: Local Hyderabad colleges (via EAMCET management quota) offer decent CSE programs with the comfort of home, lower living costs, and strong regional placement networks.

UPES (Dehradun) and Manipal are well-known private universities with good infrastructure and industry ties, but will involve higher costs, distance from home, and adjustment to a new environment.

If your son values comfort, family support, and lower costs, a top Hyderabad college is recommended.
If he seeks broader exposure, independence, and is comfortable with higher costs, Manipal is a strong choice.
UPES is also an option but typically ranks below Manipal in reputation for CSE.

Final Suggestion: Prioritize Hyderabad colleges for cost-effectiveness and support; choose Manipal if your son is keen on a national brand and new experiences. All the best for your Son's admissions!

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MF, PF Expert - Answered on Jun 11, 2025

Asked by Anonymous - Jun 05, 2025
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I am 40 years old teacher, having 40 lakhs in FD and 2 lakhs in NSC, no debt and having property around 70 lakhs (Father's shop). No liability as I am single child of my parents. I am financially stable or I need to accumulate wealth.
Ans: Hi,

Financial stability needs to be defined for each individual based on their own preferences and perceptions.

You are a teacher and I assume you will continue your profession until retirement, this gives you opportunity to earn and save for future.

Your current investments are in a fixed income instruments which have the potential to only meet inflation needs for that amount. That means your money though increased over time will be having same purchasing power as it is today.
The property value in the future is a bit of difficult to estimate as it depends on many uncontrollable factors.
Hence we cannot determine if these amounts in the future are going to be able to meet your requirements without understanding your goals.

The approach you should follow is to look at what are your goals/requirements in life - during your working life and after retirement. This will require analysis of your current expenses and future goals to arrive at a corpus number.

A CFP can help you understand, plan and achieve this with a holistic financial plan. You will be provided with options and alternatives that are available and based on your profile/preferences, you will know what and how it can be achieved.
I recommend you take guidance form a CFP towards a holistic financial plan.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

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