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Sushil Sukhwani  |94 Answers  |Ask -

Study Abroad Expert - Answered on Aug 31, 2023

Asked by Anonymous - Aug 30, 2023

I hv done MSC zoology want to purse higher education further but I am not sure what will be beneficial for me to get job later

Ans: Hello,

To begin with, thank you for getting in touch with us. Deciding to pursue further education in order to boost your career possibilities is of prime importance. Having already earned an MSC in Zoology and aspiring to pursue higher education, when selecting a course that will prove advantageous for your future job possibilities, keep the following factors in mind:

1. Discover Your Strengths and Hobbies: Within Zoology and its associated fields, think about your areas of interest. Think about the disciplines or elements of zoology you loved the most while pursuing your MSC program. Discovering your strengths can help select a specialty that best matches your abilities.

2. Get To Know The Market Demand and Trends: To learn about the most sought-after areas of zoology or associated fields, conduct extensive research on the labor market. Search for the newest trends viz., environmental science, bioinformatics, or conservation biology, that may offer promising future employment possibilities.

3. Research and Collaboration: Through social media platforms like LinkedIn, get in touch with experts in the zoology field, take part in conferences, and get involved in discussions to better understand the present job market and the highly sought-after abilities.

4. Certifications/Qualifications: Based on your future ambitions, earning certifications in ecological assessment, wildlife conservation, or science communication might prove advantageous. Your employability and abilities in specialized fields can be boosted through these credentials.

5. Think About Further Specialization: You might want to pursue a PhD degree in a certain branch of zoology that fascinates you. You can take up research roles in academics, government institutions, or private businesses as a result.

6. Education and Outreach: Think about earning a degree in science education or science communication, if you have a liking for education. This would enable you to teach or communicate scientific concepts to students or the public.

7. Biotechnology and Bioinformatics: If the intersection of biology and technology is something that interests you, pursuing a master's in biotechnology or bioinformatics could equip you with pertinent skills for industries viz., genetics, pharmaceuticals, and healthcare.

8. Environmental Management: A master's in environmental management or an associated field could be a wise decision if you're interested in environmental impact assessment, sustainability, or conservation.

9. Hiring at Government and Non-Profit Organizations: Experts with a zoology background are hired by a number of government organizations and charitable institutions for wildlife management, conservation, and environmental policy job roles.

10. Undertake Internships and Acquire Experience: Undertake internships, volunteer work, or part-time jobs to acquire practical experience. Gaining hands-on experience can balance your education and make you a suitable fit for potential employers.

Choose a career path that matches your hobbies, strengths, and long-term goals. Conduct extensive research, consult with experts in the field, and seek guidance from career counselors at your present or prospective academic institution. Make an educated choice that will help you succeed in your chosen career path.

For more information, you can visit our website.

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Financial Planner - Answered on Sep 23, 2023


Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 14, 2023
Sir, I just retired from my service @60yrs. I will get my PF+other fund ₹50L. Please advice how to invest the amount so that my principal not disputed and I can get ₹30,000 pm for my monthly expenses. My family of 2 persons are covered ₹50L health insurance. Regards
Ans: Considering your age and your requirement, you will need to invest in a mix of debt and equity instruments. Here are some investment options available to you:-

• Senior Citizens’ Savings Scheme (SCSS) – This is a pure debt instruments and provides guaranteed returns of 8.2% per annum. The interest is paid quarterly. The maximum amount that you can invest is Rs. 30 Lakhs.

• Corporate FDs – It provides you return more than the regular bank FDs. It contains two options i.e. cumulative and non-cumulative.

• Post Office Monthly Income Scheme (POMIS): This is another government-backed scheme that offers guaranteed monthly income. The current interest rate is 7.1%.

• Debt Mutual Funds: As your main concern is to protect the principal amount you may consider debt funds and monthly income can be achieved through the route of SWP (systematic withdrawal plan).

• Equity mutual funds: Equity mutual funds offer the highest potential returns, but they are also the riskiest. A small portion of the amount can be invested in the equity mutual funds for growth of the money in the long-term horizon.

It is good to know that you are adequately insured for any healthcare emergency.

Your requirement of Rs. 30,000 will be changing in the future due to inflation, hence you should consult with your financial advisor for a proper increasing income or SWP (systematic withdrawal plan) which can help you to ensure sufficient amount available for your monthly expenses.

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Hi Sir, I worked a small level company between 01.02.2018 to 30.04.2021. They paid standard EPF contribution of Rs. 1800/- from my side they deducting the same of Rs. 1800/-. After I exit the company I applied the EPF Withdrawl (both contribution) on 06.05.2023 and it was rejected by the officer and the reason was mentioned "Claim Rejeced EQUAL SHARE 07/18". The Employer deposit the July 2018 share in wrongly i.e. The deposited Rs. 1800/- in Employee Share and Rs. 1800/- employer Share and Pension is " 0 ". instead of Rs.1800/- as employee, Rs. 550/- as Employer and Rs.1250/- as pension contribution. When I sent a 2 continues mail to EPF they taking my query as a grivience and sent a query to the employer. But Still they not close the issue. How to I approch them to clear my claim. Because there is no mistake from my side. Thanks in Advance. Narayanan
Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.
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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