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Confused CS student: Master's abroad or job? Balancing research dreams with family finances

Sushil Sukhwani |549 Answers |Ask -Follow

Study Abroad Expert - Answered on Aug 29, 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

Asked by Anonymous - Jun 06, 2024Hindi

Career

Hello Sir,Actually, I am a 4th-year student studying for a Bachelor's degree in Computer Science at a 3rd-tier college. I am confused about my career path. Should I choose to pursue a Master's degree abroad, or should I look for a job?My family is middle class, and if I decide to study abroad, they would have to take out a loan or find another financial option. I am torn between taking a job and pursuing an MS abroad. I have a strong desire to conduct research in machine learning, and I would like to continue my studies and eventually complete a PhD. However, I also don't want to burden my parents financially, especially since my sister will be starting college around the same time I graduate.Given this situation, I am unsure whether I should pursue a Master's degree or take a job. Although taking a job doesn't satisfy my aspirations, my brain is suggesting that I should pursue a Master's degree to learn more.What should I do in this situation?

Ans: Hello,

First and foremost, thank you for reaching out to us. It is great that you wish to continue your further education abroad and even intend to get a PhD eventually. As I am sure you know, computer science is a highly lucrative field, particularly in emerging areas like AI and machine learning. The strong earning potential in this domain can significantly help with repaying any loans you might take on. Additionally you can also apply for scholarships which will significantly reduce the financial burden on your shoulders. It can be immensely valuable to talk with a professional who will help you carefully weigh the options available to you and guide you through the process of finding and applying to various universities and scholarships.

For more information, you can visit our website: edwiseinternational.com
You can also follow us on our Instagram page: @edwiseint

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Question by Anonymous - Aug 17, 2021Hindi

Career

Hello.I'm from Lucknow and currently in my last semester of BSc, computer science.I'm in a dilemma about choosing the right career for myself.I am confused about whether to do an MCA or not, from online mode or offline, or whether to pursue higher education along with doing a part-time job.I am in need of the right career guidance.I'm deeply interested in pursuing a career in the field of data science and artificial intelligence. At the same time, I don't want to go outside my city for the job. Also, I'm a fresher with zero experience and don't know much about the industry.I want to have a good career in the IT industry and want to know about the possibilities in this industry in Lucknow so that I can equip myself with the right skills.I know about various programming languages including C, C++, python, .net and SQL.I want to know which career would be best for me in my city, Lucknow.Please provide me with the right career choice and all the options possible.Thank you.Name withheld on request.

Hi.

I would not know of specific career opportunities in Lucknow.

But nowadays, Tier 2 cities are really coming up in terms of career options. So I am sure you will have IT companies there.

With reference to pursuing post graduation, it is always good to take up a job after graduation.

Learn about the corporate world and your career preferences and then go for a full time course in your field of interest.

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Tech Entrepreneur, Educationist - Answered on Jan 30, 2024

Question by Saptarshi - Sep 27, 2023Hindi

Career

I am currently working in an IT Company in Software Testing Domain.I graduated in 2022 in Electronics and Communication Engineering(ECE) with a 9+ CGPA. I have a keen interest to pursue my masters in Microelectronics and VLSI or Integrated Circuits or in Telecommunications. But going by the trend and based on various suggestions most people are suggesting to pursue Masters in Computer Science. Many of my batchmates has also shifted their interests in Computer Science. I am quite passionate and interested in my core discipline but quite confused with my decisions. So, can you please suggest and recommend what to do.

Ans: Saptarshi, You have not mentioned how you spent the two years since your graduated. Your high scores do mirror your intellect and it is natural to get confused. Suggest use all the information your have gathered and take a considered decision on the next step and follow it up with sincerity and commitment. Making a start should be your singular goal and be focused

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Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

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Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

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Insurance, Stocks, MF, PF Expert - Answered on Sep 14, 2024

Question by T - Sep 14, 2024Hindi

Money

Hi, My age is 50 and i have one House which is under loan paying 13432 per Month and having one appartment , and i have a debt of 30 L paying emi of 80 K and need to pay of another 4 years , I am going to sell my appartment to close alm My debt and after this I can save 1 L per month. By the age of 60 I want to save 1 to 1.5 crore and also want to invest in Bonds for regular monthly income , suggest ways to save .

Ans: If you do SIP of 61K in a retirement mutual fund for 10 years, you can expect achieve a corpus of 1.5 Cr after 10 years.(Modest return of 13% assumed)

You can use this corpus to buy annuity, invest in PMVVY and SCSS or do a SWP for regular payouts.

You can invest in Post Office monthly income scheme for monthly payouts(current interest rate is 7.4%; If singly held then investment limit is 9 L and for joint holding it is 15 L; 5 year tenure) at this stage.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 14, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Career

Hello sir , my son completed his Diploma in mech engg. after 10th and working at jsw steel as campus placed . pl suggest how he can do B tech while working or he shd leave job to do B tech. pl guide

Ans: Hello
To do BTech, it would be better to leave the job. Doing B.Tech. while earning is not recommended. Yet, if your financial conditions do not permit, then he can do so. For B.Tech. admission, keep a close eye on a state-level counseling process where your son can apply for it. If eligible, your son will be admitted to 2nd year of mechanical engineering.

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If satisfied, please like and follow me.
Thanks.

Radheshyam

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 14, 2024

Question by Shreyan - Sep 09, 2024Hindi

Career

dear sir, i've got civil engineering in Jadavpur university....i want to pursue a career in mechatronics and AI robotics and do MS abroad in these subjects....i have an option of upgrading my branch to power eng, production eng and chemical eng.....i will do an online cs course to upskill myself in coding...what branch do u think i should prefer/ what should be my preference order?

Ans: Hello Shreyan
Your aims are different but you have been admitted to Jadavpur for Civil Engineering. Upgrading to Power Engg, Product branch will not solve your problems. At any time you can do CS courses online to upskill your knowledge in coding. It would be better for you to join any good institute for CSE + AI/ML to fulfill your dreams of working in Robotics and allied fields. If possible, shift from Civll to CSE AI/ML/DS

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If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar |867 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 14, 2024

Question by Brinda - Sep 10, 2024Hindi

Career

Sir name some good colleges for mtech in Bangalore where I can get good placements

Ans: Hi Brinda.
Here is the list of some good colleges in Banglore from an MTech point of view:
(1) Indian Institute of Science (IISc)
(2) R.V. College of Engineering (RVCE)
(3) PES University
(4) BMS College of Engineering
(5) MS Ramaiah Institute of Technology (MSRIT)
(6) Dayananda Sagar College of Engineering (DSCE)
(7) New Horizon College of Engineering
Visit the campus of these institutes, and take an overall review before finalizing the admission.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
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Question by Akhilesh - Sep 08, 2024Hindi

Career

Sir Sir, my son is getting admission in vit bhopal b tech cse (specialization in e commerce) cat 1 and in bennett b tech cse core in management quota and in last not least b tech cse in jaypee guna branch Which v should consider? Pl suggest lot of confusion going on.

Ans: Hello Akhilesh.
You put options as:
(1) VIT Bhopal: CSE (Spe in e-commerce) via CAT 1
(2) Bennett: CSE Core (Management Quota)
(3) JAYPEE Guna: CSE
All are reputed institutions and have a good track record.
To suggest, Bennett University might be a better choice for overall exposure and placement, but your final decision should also consider location, cost, and campus facilities.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

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Insurance, Stocks, MF, PF Expert - Answered on Sep 14, 2024

Question by Sandeep - Sep 13, 2024Hindi

Money

I am 44 years old, married with a monthly salary of 4.5 lakhs after tax. I own a debt-free house. My daughter is 9 and my son is 4. I am looking to build a corpus of 2 crores for my children's education, 1 crore for their marriages, and to buy two additional houses. I also aim to accumulate a retirement corpus of 10 crores. Please advise on how I can achieve these goals in the next 10-15 years. Current Savings: • Fixed Deposit: 16 lakhs • Shares: 72 lakhs • Provident Fund (PF): 1.4 crores • Mutual Funds: 15 lakhs • Public Provident Fund (PPF): 10.5 lakhs • ULIP: 21 lakhs Ongoing Investments: • ULIP: 3 lakhs/year (for the next 3 years) • PPF: 1.5 lakhs/year (for the next 8 years) • Provident Fund (PF): 82,000/month Including company contribution. • Mutual Fund SIP: 60,000/month • Shares SIP: 30,000/month • Additional Shares Investment: 5 lakhs/year

Ans: Your current savings add upto 2.745 Cr.

Assuming you keep them invested and considering composite moderate return of 8% this will grow upto a sum of 8.71 Cr after 15 years.

Ongoing investments will lead you to a corpus of 6.66 Cr after 15 years(Appropriate conservative returns considering the various investment instruments)

6.66+8.71=15.37 Cr

Retirement corpus goal 10 Cr?
Children education fund goal 2Cr?
Children wedding goal 1Cr?
Additional home(2) buy 2Cr?

Keep reviewing and rationalising your stock holdings and hedge it if necessary as per advice from investment advisor.

Consider SSY in the name of your daughter (8.2% currently with quarterly review by GOI)since it's an E-E-E tax exempt scheme.

Do consider suitable family floater health cover apart employer group coverage.

You may follow us on X at @mars_invest for updates

Happy Investing

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 14, 2024

Question by Muragundla - Sep 10, 2024Hindi

Career

Which one is good: core CSE or AI/ML CSE

Ans: Hello Muragundia
Prefer CSE AI/ML

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If satisfied, please like and follow me.
Thanks.

Radheshyam Zanwar |867 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 14, 2024

Asked by Anonymous - Sep 09, 2024Hindi

Career

I don’t think there is big difference between IITs or Iiits or Nits. All are national institutions of importance. But somehow IITs attract higher rankers of JEE. So MNCs prefer to reach IITs for grab good students and pay higher packages. Students who don’t get chance in IITs, join Nits or IITs. The institutions like Nit Rourkela or Iiit Delhi or Iiit Hyderabad are far better than many new IITs. Even students from many private engineering colleges excel well in career. Main problem in the present day is colleges are suffering for shortages of right quality faculty members; because MNCs pay lump sum money to attract bright students. As a result, students don’t get motivated to join as faculties in their career. This is the global problem

Ans: Hello.
Whatever you have expressed is correct and I agree with your views. But unable to understand, what you want to ask and what you are doing right now. Thanks for sharing your valuable thoughts/views with us.
Suggestion: If you have a desire and wish to change the education system in India, then try to get a seat (i.e. IAS post) in the HRD Ministry which is deciding supreme authority about how the education policy to be implemented from KG to PG and above that.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Dr Dipankar Dutta |589 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 14, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Career

The course like B tech specialisation in climate change is running now at anant National University at Ahmedabad since last two years....!! Is that having good scopes for my son; currently he is studying in CSE third semester,who is now feeling so tough competition...

Ans: Where your son is studying now?

Milind Vadjikar |130 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 14, 2024

Question by Sumit - Sep 14, 2024Hindi

Money

Hi sir I and 46 and want to invest 45k to 50k as sip in Mutual Fund. Please suggest where can I invest.

Ans: I recommend you to invest in HDFC Retirement Savings fund equity plan.

It comes with a 5 year lock-in.

If you do a SIP of 50K for 15 years you can expect a corpus of 3Cr+ (14% return assumed).

As you get closer to your target transfer your gains into suitable debt fund to avoid volatility affect your gains.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

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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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