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Nayagam P P |3989 Answers |Ask -Follow

Career Counsellor - Answered on Jul 16, 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.
... more

Asked by Anonymous - Jul 15, 2024Hindi

Career

Hello sir please suggest to my question

Ans: Please ask your question in detail again.

Asked on - Jul 16, 2024 | Answered on Jul 17, 2024

Hello sir My son got BTech computer science engineering in Amirta Coimbatore campus and also BTech computer science (Cyber security) in SNU Chennai. He is interested in both and dilemma to choose better one.Request your guidance please

Ans: Prefer Amrita-C-CSE.

Asked on - Jul 17, 2024 | Answered on Jul 17, 2024

Thanks sir for your response ????????

Ans: Welcome.

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Question by R - Oct 15, 2024Hindi

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Sir, Request to answer my question too.

Ans: What's your question?

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Asked by Anonymous - Dec 19, 2024Hindi

Health

I have a 7-year-old boy who thinks he’s a superhero (and honestly, he’s got the energy for it). The thing is, he’s constantly on the move—running, jumping, climbing—you name it. While I love his enthusiasm, his teachers have mentioned that he’s having trouble sitting still and focusing in class. I don’t want to stifle his energy, but I also don’t want him to struggle academically. Any practical advice would be great!

Ans: Please consult a child psychologist

Milind Vadjikar |783 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Money

I have taken a group health insurance policy from a bank where I have a saving account five years ago without any medical checkup. I have not availed any claim and there was no preexisting disease. I am taking 5 mg of prednisolone daily for last five years for a skin disease. Will this affect my future claim if arises any? I am worried about this .

Ans: Hello;

Insurance is an understanding that works on mutual trust.

You need to make appropriate disclosures before signing up and also before renewal, if you were diagnosed with any major illness/medical condition.

Please inform the insurance company about this before next renewal.

Best wishes;

Milind Vadjikar |783 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Question by Rohan - Dec 19, 2024Hindi

Money

Dear Sir, i am 48 year old, kindly suggest some good plan to invest, i can invest roughly around 30000 for next 1 years with increase of 10% every year for next 7 years. I am looking for 1 crore to 3 crore saving. Till i reach 55 years, Would like to save for pension also suggest me good pension return plan

Ans: Hello;

An investment of 30 K with 10% top-up each year will be required to be continued for 10 years minimum to reach a corpus of 1 Cr(12% return considered from pure equity mutual funds).

You may invest in a combination of flexicap mutual fund and a Large and Midcap type mutual fund in proportion of 50:50.

For pension you may invest in NPS with active choice and maximum possible equity allocation. Contributions can continue upto 70 age.

Happy Investing;
X: @mars_invest

Asked on - Dec 19, 2024 | Answered on Dec 19, 2024

Sir, I am ok with a 10 Year time frame, Can u suggest choice of Felxicap / large and mid cap MF,

Ans: Hello;
You may choose any fund from the top quartile in these categories. We are forbidden to take names as per mandate of this forum.

Happy Investing

Asked on - Dec 19, 2024 | Answered on Dec 19, 2024

Ans: Most welcome!

Radheshyam Zanwar |1105 Answers |Ask -Follow

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Question by Sakshi - Dec 18, 2024Hindi

Career

what should i choose vit vellore or da iict gndhinagar for msc data science

Ans: HI Sakshi.
If you are financially sound, then you should prefer IICT Gandhinagar, which provides better career prospects and practical skills relevant to the field of Data Science than VIT Vellore. However, this does not mean that VIT is not a better choice. If VIT is nearer to your home town and easily accessible, then you may opt for it. But if distance, money are not issues., then preferably go with IICT Gandhinagar.

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

Radheshyam

Milind Vadjikar |783 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Question by srinivasarao - Dec 18, 2024Hindi

Money

I have paid 60% forNew Ipo I am unable to remaining 40% in sebi registration company. They r telling 100% should paid. What happened if not paid

Ans: Hello;

Nowadays payment for IPO allotment is through the process of ASBA(Application Supported by Blocked Amount) wherein funds needed to finance your IPO application are blocked.

If the funds are not enough the application will not go through.

Their no fine or penalty but it may affect your reputation with the bank/broker.

Best wishes;

Milind Vadjikar |783 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 17, 2024Hindi

Money

Hello Milind Sir, On the EPF portal, my bank account is my salary account. This account is a joint account with my younger brother. I am a male too. Will this joint account be a problem when I try to withdraw my EPF corpus? I heard only joint account with spouse is allowed for withdrawal apart from single holder account. Should I convert this joint account to a single holder account immediately now or do it after I resign/retire when I want to withdraw the EPF corpus?

Ans: Hello;

It is advisable to convert the bank account to a single holder account as early as possible.

Best wishes;

Milind Vadjikar |783 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Money

Sir My Son was discharged on 19 nov. We had medical exp of 35 lacs on his treatment. We also had insurance policy of 15 lacs. 5 lacs sa. 5 lacs NCB & 5 LACS REFILL BENEFIT. we got 9 lacs cashless plus 2.5 lacs member discount from insurance co. As mentioned in cashless claim approval letter. I paid all the rest of amnt & got my son discharged. Now hospital was not ready to provide us this benefit of discount so they got another cashless approval letter post one month of discharge where insurance co nullified this 2.5 lacs member discount. Also date of discharge in this new cashless claim letter had been changed to 15 dec. My query is can insurance co issue cashless claim letter & that to one month after discharge of patient. Whom to go for resource??

Ans: Hello;

Please approach following, in the given order, for redressal of your concern:
1. Customer Relationship Manager of the Insurance company
2. Chief Grievance/Compliance Officer of the insurance company
3. Insurance Ombudsman
4. IRDAI
5. Courts

You may also seek help from some social media activists who take up such cases.

Best wishes;

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Question by ALEX - Dec 18, 2024Hindi

Career

I have got job opportunity of Assistant professor in CSE department on contract basis for 2 year and it will continue till the end of course.But at the same I am also pursuing Full time PhD in a near by location. What should I do? Please guide regarding this.

Ans: You should complete your PhD. Without PhD you will not get job in good institutions.

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Question by KRISHNAMURTHY - Dec 18, 2024Hindi

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Sir, iam Krishna, age 55,Industrial engineering graduate and DIS In Safety, now pursuing MS In industrial Safety( IGNOU ).Iam having 15 plus years experience as safety officer/ manager/ OHS trainer . Please suggest me ,what are the opportunities after my retirement at the age of 60?

Ans: Advisory Roles are abundant. Companies avoid active role after 60

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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