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Sushil

Sushil Sukhwani  |438 Answers  |Ask -

Study Abroad Expert - Answered on Oct 09, 2023

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 - Oct 08, 2023Hindi
Career

Hello Sushil, my son hasn't completed any UG course inspite of getting admission into 3 premier colleges in India. Now he wants to apply for a course in MIT or Stanford. He has scored 117/120 in TOEFL. Expecting his SAT result by this month end. Can you please guide us with the admission process ? Also is there any organization which can assist him with scholarship for the program. He is an extremely intelligent and hardworking student. It is just that the education system here wasn't convincing him to finish what he started.

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear about your son’s plans on enrolling in a course at leading American universities viz., MIT or Stanford. I would like to inform you that it’s very likely for many students to alter their educational pathways. Similarly, remember that applications made by students who have chosen to embark on different education paths are taken into account by the above mentioned universities. Follow these steps to ensure a successful admission process:

1. Education Prerequisites: The education prerequisites for each university is unique. I would suggest that your son fulfills these minimum requirements that generally require him to maintain a strong grade point average (GPA), high scores in the ACT/SAT exam, and complete challenging courses in high school.

2. Submit TOEFL Test Results: As mentioned previously, your son has scored 117/120 in the TOEFL examination. I would like to tell you that this is indeed outstanding and must satisfy the prerequisites for English language competency.

3. Submit Marksheets: Your son will need to acquire and submit official marksheets from all his past academic institutions.

4. Craft a Compelling Personal Statement or Essays: A strong Statement of Purpose (SOP) or personal essays demonstrating your son’s past experiences, character, and reasons for him aspiring to study at MIT or Stanford University need to be prepared and submitted.

5. Endorsement Letters: As part of the admission procedure, your son will also need to obtain compelling recommendation letters from professors or instructors who can attest to both, his personality and skills.

6. Showcase Extracurricular Achievements: Remember that showcasing one’s extracurricular activities is also a vital part of the application process, thus, I would recommend that your son demonstrates his participation in extracurriculars, highlights his roles as a leader in any event as well as talks about his accomplishments.

7. Submit Standardized Exam Results: As soon as your son receives his SAT result, he should submit the same. Its crucial to achieve high scores as both, Stanford and Massachusetts Institute of Technology (MIT) welcome these tests.

8. Appear for Interviews: Keep in mind that certain programs may require your son to appear for interviews as part of the admission procedure. He should be well prepared for the same. I would recommend that he investigates common interview questions and prepares his responses to those queries.

9. Investigate Possible Scholarships and Monetary Assistance Options: Multiple scholarships and financial assistance possibilities are offered by these American universities. I would suggest that your son takes into account the available scholarships and funding alternatives, and applies for the same.

10. Making Applications for External Scholarships: As an answer to your query, I would suggest that your son conducts a comprehensive study on external grant possibilities that provide assistance to international students. These scholarships, with varying eligibility criteria are offered by organizations viz., Rhodes Scholarship, Fulbright, or numerous other groups.

11. Adhere to Application Deadlines: Do not miss out on the application deadlines for both, Stanford and MIT. Submit each university’s application on time.

12. Plan your Finances: Consider the living costs, tuition fees, medical costs, as well as other study abroad expenditures, and plan your finances accordingly.

13. Meet Visa and Immigration Rules: To study in the USA, familiarize yourself with the visa and immigration guidelines. Also, prepare the required paperwork ahead of time.

14. Take into account possible routes: If it is taking a while for your son to secure admission, I would suggest that you take into account other possible routes viz., getting him enrolled in community college transfer courses. This pathway has been opted for by a number of students which has proven to be successful.

15. Acquire Guidance: Meaningful insights and assistance can be provided by study abroad organizations and consultancies to international students who can guide them throughout the application procedure and help them obtain grants or scholarships. I recommend that you get in touch with such consultancies.

In the application, your son should describe his prior school experiences as well as pen down the reasons for him not completing any undergraduate course despite securing admission to three prestigious colleges. In addition, if granted an opportunity, he should throw light on his capacity to grow and succeed. These universities have cut-throat competition for admission. Your son’s opportunities to secure admission and obtain monetary assistance can be boosted through submitting a robust application.

For more information, you can visit our website.
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Study Abroad Expert - Answered on Jan 13, 2024

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Hello, My son is in his 5th semester at VIT Chennai- pursuing B.Tech- CSE (AI&R). He's currently home till December as they had their fast semester to allow for a window for Internships & some mandatory online courses to complete. My son is interested in pursuing UI UX as his interest & expertise are more in this field and has also obtained many online certifications thereof. I want to give him the freedom to pursue his Masters in the best institutes in this field. We went for an UG in India so that if needed he could go abroad for his Masters; I want to know which institutes are the preferred ones in this line & how do we go about the approach to admissions there. Please suggest a roadmap so that his current time (till December 2023) is utilised well and we have a guidemap of which courses to pursue.
Ans: Hello Mahoe,

First and foremost, thank you for getting in touch with us. I am glad to hear that your son is currently pursuing the 5th semester of his Bachelor’s of Technology (B.Tech) degree and is clearly interested in pursuing UI/UX, having already obtained a number of online certifications in this field. I would like to let you know that your son can improve his abilities and be presented with new possibilities through pursuing a Master's degree at an esteemed university. As requested by you, here is a suggested roadmap:

First and foremost, I would recommend that your son conducts an extensive study on leading universities well-regarded for the superior UI/UX design programs they offer. Massachusetts Institute of Technology (MIT), the Royal College of Art, Carnegie Mellon University, the Interaction Design Foundation, and Stanford University, are among the prominent ones. Next, your son should look into the entry prerequisites set by these universities. These generally entail a robust educational background, a Statement of Purpose, recommendation letters, a portfolio of his work, as well as results of standardized tests viz., the GMAT or GRE. Make sure your son concentrates on keeping a strong GPA throughout, and begins his preparation for any mandatory standardized tests. Remember, a portfolio is a significant element of the application procedure, and your son’s chances of securing admission can be boosted to a great extent with a strong one. Thus, he should continue building an impressive portfolio encompassing case studies, projects, as well as any freelance work that he has undertaken that is related to the field of UI/UX. Collaborating and building connections is vital to the field of UI/UX design. I would suggest that your son connects with online groups, engages in conferences, and gets in touch with industry experts. This is a great way to acquire useful information as well as boost his chances of getting strong recommendations. Its important to stay abreast with the most recent UI/UX resources and innovations, and thus, pointing out any gaps in your son’s skillset and encouraging him to take up further online courses or seminars to fill them proves beneficial. As the next step, with the application deadlines soon approaching, assist your son in drafting a convincing Statement of Purpose that highlights his experiences, enthusiasm, and professional objectives in the field of UI/UX. Keep all the necessary documents including marksheets and recommendation letters ready beforehand. Furthermore, your son should examine the available scholarships and other forms of monetary assistance provided by these universities in the UI/UX field. Lastly, prepare a schedule with all the requirements and due dates he needs to adhere to in order to submit the application. This will aid in seamlessly managing the process and prevent anxiety at the last moment. Stick to this roadmap to boost your son’s chances of securing admission to a leading program in UI/UX design.

For more information, you can visit our website.

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Sushil Sukhwani  |438 Answers  |Ask -

Study Abroad Expert - Answered on Oct 13, 2023

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Career
My son is Btech from IIT delhi having 3 years work experience in a software start up. he wants to pursue MS in computer Science,has Gre score above 350,TOFFLE score above minimum required.He applied last year too but didnt receive any call from Ivy League universities.This year too he will apply what should he do to get admission in good university sanjay
Ans: Hello Sanjay,

To begin with, thank you for contacting us. I am happy to hear about your son’s plans on pursuing Master’s of Science in Computer Science. As an answer to your query, I would like to tell you that your son should follow these recommendations in order to enhance his chances of securing admission to Ivy League universities.

As the first step, your son should make sure to draft a compelling application. This entails submitting a strong Statement of Purpose/Personal Statement that outlines his interest for the field of computer science, his accomplishments as well as his future goals. Not just that, he should also obtain robust endorsement letters from professors or employers who can attest to his character and abilities. As mentioned previously, your son has applied to only Ivy League universities. Remember that outstanding programs in Computer Science are offered by a number of high-class universities. I would suggest that he submits applications to not only Ivy League but rather to a broad variety of universities. In doing so, his chances of obtaining admission offers will be boosted.

Remember that extracurricular activities are an integral part of the application procedure, and thus, I would recommend that in order to showcase his passion for the field of computer science, your son should throw light on extracurriculars or outstanding achievements he has earned. Versatile applicants are often favored by admissions committees. As mentioned above, your son has already appeared for and obtained a GRE score of more than 350. I would say that though this score earned by him is respectable, it might not necessarily meet the criteria to secure admission to Ivy League universities. Earning a robust score can greatly enhance your son’s application, and thus, I would recommend that he re-appear for the GRE examination and strive to achieve a greater score.

When applying to certain universities, your son may be required to appear for interviews as part of the application process. I would recommend that he researches common interview questions and prepares his responses to those queries. If asked for, he should be well prepared to throw light on his past experiences, background, as well as his objectives for the future. Remember that one’s performance in the interview can greatly decide whether he/she secures admission. Your son should show his earlier application to academic advisors or counselors if possible as they would be able to point out areas that require improvement, provide meaningful insights, and guide him better. Lastly, with a number of universities have rolling admissions procedures, I would recommend that your son submits his applications ahead of time.

I would like to point out that although Ivy League universities are well-renowned, several other universities offer outstanding computer science programs that your son can consider applying to. His chances of getting admitted to a reputed program in the field of computer science can be enhanced if he applies to a number of universities.

For more information, you can visit our website.

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Ramalingam

Ramalingam Kalirajan  |5055 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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Money
I am a 27 years old Software Engineer. I had a fixed income of 1 Lakh per month, out of which my expenses were 25k to parents, 10k to spouse and 15k monthly personal expenses. After all expenses I would save 50k per month. I recently got a job offer of 42 LPA, so my income now is 3.5L per month. I don't intend to change my lifestyle, so my expenses would still be 50k per month, and I intend to save around 3L per month. I had invested in Equity Funds once a small amount of 10k, and it had given decent returns so I would like to know how I can best utilise my new income going forward from here, not just in equity funds but everywhere, where I can invest that will help me grow. I don't have any emi or loans.
Ans: You are a 27-year-old software engineer.

Your new job offers Rs 42 LPA, so your income is Rs 3.5L per month.

Your monthly expenses are Rs 50k, allowing you to save Rs 3L per month.

You have previously invested Rs 10k in equity funds with good returns.

Financial Goals and Planning
Emergency Fund
Priority: Build an emergency fund.

Liquidity: Keep 6-12 months' expenses in a savings account or liquid funds.

Purpose: Provides financial security during emergencies.

Diversified Investment Strategy
Equity Mutual Funds
Growth Potential: Allocate Rs 1L to equity mutual funds.

Fund Types: Invest in large-cap, mid-cap, and diversified equity funds.

SIPs: Continue with systematic investment plans for rupee cost averaging.

Debt Mutual Funds
Stability: Allocate Rs 50k to debt mutual funds.

Safety: Provides stability and reduces overall portfolio risk.

Returns: Offers better returns than traditional savings accounts.

Balanced Mutual Funds
Hybrid Approach: Invest Rs 50k in balanced or hybrid funds.

Balance Risk: These funds balance equity and debt, offering moderate risk and returns.

ELSS Funds
Tax Benefits: Invest Rs 50k in ELSS funds for tax savings under Section 80C.

Equity Exposure: Provides equity exposure with tax benefits.

PPF and NPS
Long-Term Security: Invest Rs 25k in Public Provident Fund (PPF).

Retirement Planning: Consider investing Rs 25k in the National Pension System (NPS) for retirement planning.

Gold and Digital Gold
Diversification: Invest Rs 20k in gold or digital gold.

Hedge Against Inflation: Gold acts as a hedge against inflation.

Insurance Coverage
Health Insurance
Adequate Cover: Ensure you have adequate health insurance coverage for yourself and dependents.

Additional Coverage: Consider a top-up plan if needed.

Term Insurance
Life Cover: Consider a term insurance plan for financial security for your family.

Adequate Sum: Ensure the cover is sufficient to support your dependents in case of unforeseen events.

Regular Review and Adjustments
Annual Financial Review
Performance Check: Review your portfolio annually.

Rebalance: Adjust your investments based on performance and changing goals.

Final Insights
Your new income allows for substantial savings and investment opportunities. Diversify your investments across equity, debt, and balanced mutual funds. Consider tax-saving instruments like ELSS and PPF. Ensure adequate insurance coverage for health and life. Regularly review and adjust your portfolio to stay aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Samraat

Samraat Jadhav  |1870 Answers  |Ask -

Stock Market Expert - Answered on Jul 19, 2024

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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