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Chocko

Chocko Valliappa  |428 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Chocko Valliappa is the founder and CEO of Vee Technologies, a global IT services company; HireMee, a talent assessment and talent management start-up; and vice chairman of The Sona Group of education institutions.
A fourth-generation entrepreneur, Valliappa is a member of Confederation of Indian Industry, Nasscom, Entrepreneurs Organization and Young Presidents’ Organization.
He was honoured by the YPO with their Global Social Impact award in 2018.
An alumnus of Christ College, Bangalore, Valliappa holds a degree in textile technology and management from the South India Textile Research Association. His advanced research in the Czech Republic led to the creation of innovative polyester spinning machinery.... more
Asked by Anonymous - Apr 14, 2024Hindi
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Career

hello sir, i am a civil engineer and passed out in 2019, i was preparing for ssc je and not able to clear the exam yet , i dont want to do private job due to more then 12 hours working and no sunday off in construction line, and very harsh condition, i am having a great gap after my engineering, i am very confused what should i do, should i continue my preparation with more dedication and hard work or should i join those private job which i really hated. i am really depressed right now, my parents are also very concern about my career, i really dont know what to do.

Ans: I can understand the peculiar situation that you are going through. My advice is to get over all the negativity and adopt positivity as a way of work and life. As a young man don't shy away from hard work, private jobs offer great challenges and rewards. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look at acquiring project management skills and explore opportunities with optimism and passion.
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Pradeep

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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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Chocko

Chocko Valliappa  |428 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 09, 2024

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Sir i am a civil engineer graduate 2023 i did my graduation in civil engineering from a tire 2 -3 college from mumbai university . I didn’t get any job its not like that i am dum student or else i was not good at studies u definitely found partility that in civil they took all diploma + degree holders with less knowledge also in companies such a worley , godrej , technimont etc mnc companies with salary of 6-7 lpa but sir i was scattered because i lost my dad in covid my mom is working but her salary is just 50k and now after trying out for jobs as fresher i found a job in IIT bombay as project technical assistant which gives me 30k but its in ocean department. Now i want to learn further i am seeing people doing masters from priavte university like nicmar adani symbiosis etc in construction or infrastructure management. I am stuck jn life what to do im trying for government but i know government junior engineers job wont pay me much to buy home for my mom . In such case what will be best please help
Ans: I fully empathize with your situation. Do focus on the positive of having completed BTech in Civil Engineering. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Use your current Tech Asstt job to learn about Oceanography as an added skills. Look at acquiring project management skills and explore opportunities with optimism and passion.

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Nayagam P

Nayagam P P  |3686 Answers  |Ask -

Career Counsellor - Answered on May 31, 2024

Asked by Anonymous - May 16, 2024Hindi
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Sir ,I have been preparing for government exams since 2018 June firstly I prepare for gate in 2019 with college semester in 2019 gate result I.e, 2019 March I qualify with 46 marks that's somehow good score that time for me because I prepare with self study due to over confidence and lack of family income I didn't join coaching and started preparing for UPSC engineering services with full dedication at the age of 20.5 in 2019 eligible for ese 2020 with 21 yr age somehow I got 150 around marks and didn't qualify prelims that time cut off around 240 due to railway has taken his seats so UR cut off increase by 60 which is 188 last in 2019 ese so I got in depression that I prepare with full dedication and even I have a gap of 100 marks in prelims so somehow I came to home in june 2020 after a huge gap of depression in 4,5 months in delhi and started for gate and ese again same condition I couldn't even qualify prelims and got covid in 2021 and from that 2021 I joined UNACADEMY work 1.5 yrs and again I started preparation due to less salary now I have a gap of 5 years no masters degree no industrial skillls and family income less than 20k per month what should I do go and search for civil engineering related job or build a confidence and again prepare one more attempt
Ans: I have gone through the details of your Efforts, Failures, Depression & Your family’s Economic condition.

Based on the above factors, here are the suggestions for you:

1) Till your age bars, try to attempt other comparatively easier (than UPSC) Competitive Exams for Government Jobs & prepare daily for 2-3 hours before & after you come back from work.

2) But AVOID attempting those Competitive Exams which you have already done a number of times and failed. Lack of change in preparation strategies / change in Govt. Policy are the reasons for your subsequent failures.

3) Keeping in view your family’s economic condition & your AGE now, it is suggested to DEFINITELY go for any work, related to your domain, to support your family.

4) Try to upgrade your skills by joining short-term courses with any Institute, related to your domain (or) any other domain you are passionate over. However, make sure that the Institute you join provides JOB GUARANTEE after you complete the Course. Or you can join any ONLINE Courses which are much in demand in job-market.

5) If time does not permit for you to prepare for Competitive Exams & if you feel you are highly demotivated for Govt. Exams, it is advisable for you to fully FOCUS on your Career, related to Civil Engineering & gain good experience.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

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

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Asked by Anonymous - Sep 15, 2024Hindi
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Money
I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

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

Happy 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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