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Patrick

Patrick Dsouza  |1428 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on May 17, 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
Asked by Anonymous - May 16, 2024Hindi
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Career

Hey sir, I want a suggestion from you, I did my graduation in BBA HR specialization in 2021, after that I was preparing for UPSC but didn't get success, now I'm preparing for CAT 2024 for get a good mba college to start my career, but I don't have any work experience and having a gap years as well unable to find job as well ,I'm doing some certification courses in data analytics and also looking for internships , can you suggest how to proceed further because I'm worried about my profile

Ans: Doing internships is not of much use as it is not considered equivalent to work experience. If it is part time internship where it does not affect your preparation then it is fine. You could look at an option of doing a full time job. If you feel with a full time job you will not be able to prepare for CAT then can look at doing courses in the area of your interest and pursue some hobby.
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Patrick

Patrick Dsouza  |1428 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on May 07, 2024

Asked by Anonymous - May 02, 2024Hindi
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I am 23years old male living in kolkata and a bcom general graduate with 73.52% in 2022, after that i taken gap years for mba entrance preparation but not able to crack or get desired percentile in any. Currently in 2024 i am repeating again for mba entrances to secure admission in 2025. I have no work or internships experience, no awards or certifications. I got 51.17 in 12th commerce and 54.71 in 10th. I got only a digital marketing beginner certification by google digital garage earlier on 2023. Currently i taken a digital marketing course from udemy of digital marketing to hone and develop the required skills I have been searching and applying for jobs since graduating but not able to get any desired one. Now i want to get into a good mba college tier 2 because may not eligible for tier 1 and 1.5 as per my profile but i will try anyways. So for that i need to make my profile good and need certifications and jobs or internships. I interest in sales, marketing, more but also Hr domain. But nowadays i am only getting Inssurance sales, bpo, telecaller or telemarketer, Kpo, sustomer support type jobs of around avg salary of 150000 pa. Which a 12th pass candidate also getting. I often thinks to get into bpo to gain experience and money to fill my profile and manage preparation expenses but also fear that what if i get stuck in that industry. I wanted to do mba to enchance and start my career in a management role to achieve a leadership role in upcoming years as a professional in sales and marketing industry. I don't know, i think i am stucked and lost in spiral web between situations and aspiration. I also thinking to get into banking or try govt. Exams to secure a job but i also feel that it will distract me more from my real life goals. I was not a great student or person earlier but now i am changed i know my responsibilities and i know my goals but i want a clear view to walk on that path. Please help with your genuine guidance. THANK YOU
Ans: My suggestion would be to work in sales along with your preparation for MBA entrance. Sales experience could help you to get better job during your placements and could also help you in your interview stage during admission process.

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Patrick

Patrick Dsouza  |1428 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on May 06, 2024

Asked by Anonymous - May 03, 2024Hindi
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Career
I am a bcom general graduate with 73.52% in 2022, after that i taken gap years for mba entrance preparation but not able to crack or get desired percentile in any. Currently in 2024 i am repeating again for mba entrances to secure admission in 2025. I have no work or internships experience, no awards or certifications. I got 51.17 in 12th commerce and 54.71 in 10th. I got only a digital marketing beginner certification by google digital garage earlier on 2023. Currently i taken a digital marketing course from udemy of digital marketing to hone and develop the required skills I have been searching and applying for jobs since graduating but not able to get any desired one. Now i want to get into a good mba college tier 2 because may not eligible for tier 1 and 1.5 as per my profile but i will try anyways. So for that i need to make my profile good and need certifications and jobs or internships. I interest in sales, marketing, more but also Hr domain. But nowadays i am only getting Inssurance sales, bpo, telecaller or telemarketer, Kpo, sustomer support type jobs of around avg salary of 150000 pa. Which a 12th pass candidate also getting. I often thinks to get into bpo to gain experience and money to fill my profile and manage preparation expenses but also fear that what if i get stuck in that industry. I wanted to do mba to enchance and start my career in a management role to achieve a leadership role in upcoming years as a professional in sales and marketing industry. I don't know, i think i am stucked and lost in spiral web between situations and aspiration. I also thinking to get into banking or try govt. Exams to secure a job but i also feel that it will distract me more from my real life goals. I was not a great student or person earlier but now i am changed i know my responsibilities and i know my goals but i want a clear view to walk on that path. Please help with your genuine guidance. THANK YOU
Ans: You can write MBA entrance exams but simultaneously try and get some experience. Even if you do not get job in the area of your interest, try to look for other areas that could interest you where you can get some work ex. Internship usually does not have much value during admission to B schools.

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Naveenn

Naveenn Kummar  |233 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 30, 2025

Money
Dear Naveenn Ji I am 61 yrs old-retired person. I had cardiac procedure with pacemaker 3 yrs back. I had one Medical insurance which was quite useful and was just sufficient at that time to meet expenses. Now I want to enhance the limit say from 10 lac to 20 lac which is not happening with the existing one. Can you suggest what best can be done and how for medical expenses
Ans: We will need to check with different health insurance companies and share your case history in detail. There are chances of getting a policy, but it depends on the underwriter’s assessment. Age, any other medical conditions, pre-existing diseases and the severity of the earlier cardiac issue all play a role.

Sometimes insurers give a counter-offer with a higher premium, a co-payment clause or a permanent exclusion for heart-related conditions while covering everything else.
We also need to check whether porting is possible or if a fresh policy is better.

One important point: please do not cancel your existing policy under any circumstance until a new cover is issued and active.

Alongside insurance, it is always wise to keep a reasonable emergency fund in liquid form such as fixed deposits or liquid mutual funds to handle any immediate medical requirement.

please feel free to ask any further questions you can connect us 044-31683550 if facing any problem

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Radheshyam

Radheshyam Zanwar  |6727 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 29, 2025

Asked by Anonymous - Nov 28, 2025Hindi
Career
Sir I have 5 subject in Nios board class 12 in 2026 and the subject names is Physics, Maths, English, Physical Education and in place of Chemistry is Biotechnology or vocational subject Valid for JOSSA 2026 So it will be eligible for Jossa Counselling For BTech in IITs or NITs+System According to JOSSA COUNSELLING 2025 Annexure 2(a)Annexure 2(b) The marks scored in the following five subjects will be considered for calculating the aggregate marks and the cut-off marks for fulfilling the top 20 percentile criterion. Candidates must also pass each of the following subjects in Class XII (or equivalent) to qualify for admission to the NIT+ System: o For B.E./B.Tech. programmes i. Physics ii. Any one of Chemistry, Biology, Biotechnology, Technical Vocation subject iii. Mathematics iv. A language (if the candidate has taken more than one language, then the language with the higher marks will be considered) v. Any subject other than the above four (the subject with the highest marks will be considered). Please Guide Me Sir
Ans: Your question is unclear because you have combined many queries into one. However, I will attempt to answer based on my understanding. Please do not mind; from the question, I can guess that you may be facing problems with the subjects, either in terms of understanding or from other aspects.

Your NIOS 2026 combination (Physics, Maths, English, Physical Education, and Biotechnology instead of Chemistry) complies with JoSAA Annexure 2(a)/(b) requirements, so you will be eligible for JoSAA counselling for BTech in IITs/NIT+ system, subject to passing all subjects and meeting the JEE Advanced and overall eligibility/percentile criteria. However, it is highly recommended to refer to the latest brochure published by NTA on the official website of JEE.

Good luck.
Follow me if you receive this reply.
Radheshyam

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