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Patrick Dsouza |259 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Mar 20, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Question by Asif on Mar 18, 2024Hindi

Career

Hello sir.. Myself Asif 25 year old. I completed degree in mechanical engineering, and my output was 2020, when COVID started at that time everyone is house. So I started a startup giving gifts it went well for 6 months after that due to family problems I started to preparing for government exam and I working with other startup like ( real estate broker, digital marketing, transportation, And hospitality). I failed in government exam but I got a abudent knowledge about startup community and 6 months back I started another company related to hospitality and it is going well and recently I sold that company for 2 lakhs. Due to some personal problem. Recently I came to know that venture capital analyst job and associates job . I personally believe I am fit for that job cuz I am good in evaluation, decision making in startup and seeing the future growth. So sir how can I get job in that field.and what are the other skills I need to learn to get a job in that venture capital firm..

Ans: Check what are the qualification required for the kind of job. Can apply to some sun jobs where you are eligible. Can also go through some of the recruitment agencies who specialize in this. If you are looking at jobs in Venture Capital at a higher level, then you will have to do an MBA from a good institute.

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Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on Feb 08, 2024

Asked by Anonymous - Jul 20, 2023Hindi

Career

dear Harsh, My name is Ranu Gaonkar, Goa, I m having reach experience in Co-operative Credit Society and also in Agricultural Marketing Society over 20 years. My present age is 52. I did my MBA from leading business School. My finance area is quite ok since i did M.com in Financial Accountancy. I am staying in Goa and having own office in City. I worked at Senior position including MD for 18 years. My vision is start new enterprise were more people get job. I am having infrastructure and human resource also. Pls guide me where is scope for me. Thank you.

Ans: Dear Mr.Gaonkar

Its indeed commendable that you are thinking of starting your company to help people get jobs. Given your rich experience in the agri marketing and co-operative credit society I would suggest just look back at all the problems that farmers and other users faced and see how you can help solve these problems. May be first year you just go back in the field and talk to them. Once you identify a problem that is good enough to solve for several people start working on them. You can look at how Grameen Bank in Bangladesh and other similar for profit ventures flourished across the world.

My best wishes on your next journey.

Chandu Nair |55 Answers |Ask -Follow

VC, Angel Investing, Entrepreneurship Expert - Answered on Nov 18, 2023

Question by Ashutosh - Oct 30, 2023

Career

Dear Chandu sir, I m a student of yours from IIM indore. I completed my MBA this year. And want to know which career path would give me the skills, knowledge and experience to start up a company of my own one day. Is it management consultant, entering a VC via Investment banking or something else

Ans: Ashutosh
In my view, any meaningful professional experience is helpful in starting your own company. It would be better if you work in the same industry that you eventually want to be in on your own as that will give you the relevant experience, build hands-on expertise plus create your network. Use every opportunity to learn and improve yourself in every way. Develop a set of mentors/advisers/ well-meaning friends and associates.
All the best ????

Chandu Nair |55 Answers |Ask -Follow

VC, Angel Investing, Entrepreneurship Expert - Answered on Feb 12, 2024

Question by Dinesh - Nov 22, 2023Hindi

Career

Dear Mr CHandu, I am 53 yrs now and an BE by qualification. I have been working in IT industry (14 yrs) and from 2007 have been working in IT Security profile as GM. In 2015 I left the job over an partnership offer which did not materialized but i lost the job. I started an start-up ecommerce company with a good concept which was liked and appreciated by the franchisees as even today they are running a grocery store which was setup by me, though my business shut down due to non funding and was cheated in the name of funding. After long gap I did join the company but lasted for just 8 months and now again am job less. I have a good start-up idea in healthcare which is workable and have been appreciated by people to whom i have brief though i M yet to launch due to funds issue, Though people are trying to find the funding after hearing the biz idea. My wife is working and have 2 kids in 12th and 10th Std respectively. Pls advice.

Ans: Dear Mr Dinesh,
It looks like you have been through a lot after getting into business on your own. Your children too are at a critical stage in life which requires funds for higher education in the next few years. The first question to ask yourself is - what is the priority in your life? Is it financial stability for the family esp for the kids? Or is it the pursuit of your business? The second question is - what is the current status of your household finances? Is there enough savings to manage the household, upcoming education expenses, other expenses (travel, medical etc)?
If you are shaky, it may be time for you to consider taking an assignment which offers you a fixed remuneration and also flexibility to work on your idea. You say you were in the field of IT security. Can you consider an assignment which might take 2-3 days per week managing and overseeing the IT security for a company which cannot afford a full-time professional?
You may also want to consider getting incubated in a good healthcare incubator in your city and also apply for a start-up funding grant from the government of India and/or local state government programmes.

Patrick Dsouza |259 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 14, 2024

Asked by Anonymous - May 13, 2024Hindi

Career

I am post graduate as mba finance and due to my some reasons I dnt have that skills so I have changed many jobs and i am not getting proper job what I do

Ans: Reskill yourself by doing a course in the area you are interested in and then look at relevant jobs. Try looking for jobs directly in areas of your interest, your MBA degree may come in handy. You may have to start as a fresher, but that is better than nothing.

Latest Questions

Ravi Mittal |193 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 16, 2024

Asked by Anonymous - May 10, 2024Hindi

Relationship

Hello Sir, it has been 4 years since I got married. I have two kids. My wife loves me a lot. One day, in a casual conversation, she told me about her past life before marriage. I too had physical relations with a friend. Since then, I have been in depression. What should I do? I am unable to understand. Should I separate or leave her. Although now she keeps crying that that was the past. Now I love you very much, but I am unable to understand what to do. Please guide us. I feel that my life has been ruined. I am unable to understand ????????

Ans: Dear Anonymous,

I am assuming that whatever your wife confessed happened before you met her. And assuming that I want to ask you, are you seriously mad at your partner for having a life before you even existed for her? Is that even something to be concerned about? Everyone has a past. If you did not, that's your choice. She did, that's hers. How can you judge her for something that happened before you two got married? This anger, no matter how real it feels, is quite baseless. You are ruining your peace and marriage for nothing.

And you say, "She is crying that that was her past," why does she have to cry? It was indeed in her past. It is entirely up to the person whether they want to disclose it or not. Past is supposed to be in the past. Have a clear discussion with your wife. If things don't seem to cool down, I recommend seeing a marriage counselor who can help sort this issue in a more structured way.

Best Wishes.

Ravi Mittal |193 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 16, 2024

Asked by Anonymous - May 16, 2024Hindi

Relationship

Dear LG, Please keep this anonymous. I have been married since 6 years. However, since past 5+ years we have not been intimate. We haave a 5&1/2 year kid. Since his birth we have had a lot of differences and his family interference was lot leaving me alone and wounded. I don't stay with my husband and in-laws since then. I had made up that work is worship. But 2 years back I met a colleague. He is 10 years younger to me and we have extremely similar vibes. We enjoy each other's company and cared a lot. Eventually i fell in love with him. But he always knew he wont be able to go against his family. We also had relationship. Now he has strated looking for girls and wants us to stop being intimate. He is saying he wants to be friends and not loose me but not have relationship. We both work together in same space and our area of work is also same. I am unable to forgive my husband and forget this person. He never goes away. He is always there telling that I want to see you happy. He needs me for professional development. And i am not able to loose our relationship. He says physical intimacy only I cant have remaining Im there. Then again says I don’t know when I will be there so I am unable to give assurance or promise. I am tormented with a child, work and my health is getting affected. Can you please help?

Ans: Dear Anonymous,

I am sorry that you are in such a tough spot. My advice would be to move on. Yes, I realize that it is easier said than done but let's put things into perspective- first, you have no future with this man, and he has made it clear. Are you okay to keep hanging on to him while he builds his own life? I am assuming no, especially since you have a child. Second, what about your self-respect? He is directly telling you that this relationship is headed toward a dead end. Do you believe you deserve to be with someone who does not want to settle down with you? I believe you deserve better.

I am not blaming him because he made no promises. You are not to be held guilty either because you were in a tough spot and you grabbed the first emotional support you found. But the current reality is that he wants out. And convincing him to stay is not an option. At this point, moving on with your head held high is the best decision. If you want to accept his friendship, that is completely fine. But if that's too much for you, you can always decline it. I understand that working in the same space with an ex is difficult, but as long as you avoid interacting outside of the office and keep things professional, there should not be an issue. On the emotional front, I won't lie, it will hurt for a while. But this too shall pass. I strongly recommend you not to value yourself so low that you stop believing that you deserve a person who loves you back as much as you love him.

Best Wishes.

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 13, 2024Hindi

Money

I am 25 and earning 41k a month. My monthly expenses are 19k and I save around 22k a month. I have started investing in mutual funds and investing 12k/month. My financial goal is to have a corpus of 4-5 Cr at the time of my retirement. Would like to retire at 55. Should I consider investing in NPS? Please advise.

Ans: Increase your SIP in mutual funds as with current investment of SIP you will be able to make 2.25 to 2.5 crore

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Question by Shambhu - May 13, 2024Hindi

Money

I am 45 yrs old .i hv started investing in Mutual fund through Sip approx month 2.4lakh since last 6 month. I hv plan to keep investing for next 3 yrs in same pattern and subject to availability of fund remaining I can continue further for next 5 yrs . Following are investment UTI nifty 200 momentum 30 index - 50 k Nippon nifty 250 small cap index fund -25k ICICI prudential mid cap 150 index fund-20 k HDFC s&p Sensex index fund-20 k Aditya Birla psu equity fund-20 k Motilal Oswal mid cap fund-20k HDFC infrastructure fund-20 k HDFC large and mid cap fund-10 k Quant small cap-10k Nippon small cap -10 k Parag flexi cap- 10 k Mahendra manulife multicap- 10 k Sbi contra fund-10 k Please advise on my fund selection and suggest which plan to to be removed or amend with new plan suggested from you

Ans: Your funds are good

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 13, 2024Hindi

Money

Dear All, I am 34 years old. I have 204 lakhs as savings out of with 110 lakhs is debt and 95 lakhs in equity majorly in Large Caps. I own a real estate which fetches me 30k every month. I have a EPF corpus of 28 lakhs and PPF of 15 lakh. I have 1 year old daughter. I am debt free with independent home and a package close to 35 lakhs. I want to know how do I further allocate the money. In Mutual Fund, Gold or SSY or continue to add equity and debt. I want to be Financially independent. Your view would be of great help.

Ans: Increase your allocation in equity or equity mutual fund as you are too young and your goals are long term.

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

I am 30 years old now . Planning to retire early in next 10 years.I don't have any pension flowing in. What will be the corpus required to achieve 1 lakh per month in SWP method. Without reducing the corpus accumulated?

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

I'm a 36 Year-old parent with two children aged 2 and 3, prioritizing their education and marriage. Mutual Fund - All in monthly SIP (with yearly 10% increase) Mirae Large and midcap - 5500 SBI smallcap - 6500 ICICI value Discovery - 4000 Quant Active Fund - 4000 Motilal microcap - 1000 Axis Gold fund - 4000 (just started) Current MF value - 13.50 Lakhs (incl XXIR - 20%) LIC - 1,00,000 per year (15 years term) already 5 years over. Expectations: Next 15 years, both kids education - 2 cr. Next 20 years, both kids marriage - 2 cr. Could you review my portfolio, if I'm on the right track to achieve 4 crore.

Ans: Your funds are good but you may not reach to your goal of 4 crores

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Question by Vaibhav - May 15, 2024Hindi

Money

Dear Sir, I have revisited my investments and found that some of them are not performing well with respect to their peers in their categories. Can I know your opinion on below funds - HSBC Aggressive Hybrid Fund, Adity Birla Sun Life Focused Fund, Canara Robeco Emerging Equities, SBI bluechip Fund. Should I keep my money invested in them, or should I move the money to better funds.

Ans: What is your age

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 15, 2024Hindi

Money

Age - 43years, Own house - Value around 50 Lacs, MF investments - 35 Lacs, Equity SIPs running - 20k, FDs - Emergency fund (5 Lacs), Salary - 30 Lacs p.a., I would like to buy house of 2 crore in next 2-3 years.. when should I sell my current house which is valuing around 50 Lacs to have limited tax liability.

Ans: In the year of buying new house

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 15, 2024Hindi

Money

Hello sir, I am 33 years old and started my SIP one month ago with ?4,200/month invested in the following funds: SBI Contra Direct Plan Growth, HDFC Mid Cap Opportunities Direct Plan, Tata Equity P/E Fund, Quant ELSS Tax Saver, ICICI Prudential Equity & Debt Fund, HDFC Small Cap Fund, and Nippon India Large & Small Cap Fund. Can this portfolio get me ?2 crore return after 20 years? Also have plans later can add parag flexi, and quant mid cap.

Ans: Your SIP is 4200/- ?

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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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