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Sushil

Sushil Sukhwani  |589 Answers  |Ask -

Study Abroad Expert - Answered on Feb 13, 2024

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
Sravani Question by Sravani on Feb 07, 2024Hindi
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Career

I am a LLM graduate in corporate and commercial laws and currently Iam practicing law but I want to settle abroad for broader opportunities. Kindly suggest me the ways to make it a stable and sustainable career in foreign countries in the field of law.

Ans: Hello Sravani, Thank you for contacting us.

First and foremost, transitioning your legal career for broader opportunities can prove to be a strategic move towards a stable and sustainable career. Before making the move, consider the following factors:

1. Research the target country’s legal market: Begin by identifying countries with a strong demand for corporate and commercial law practitioners. This might include searching for specific qualifications, certifications, or licenses required to practice law there.

2. Evaluate the possibility of further education: Understand the possibility of pursuing an additional course, certification, or advanced degree that aligns with the legal and market demands of the country.

3. Look for job opportunities. Utilise job markets, professional advice, and legal recruitment agencies to identify job openings.

4. Stay updated with the latest information: It is necessary to be aware of all the developments and opportunities in the legal field, both in your target country and globally.

For further assistance you can get in touch with us
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Sushil

Sushil Sukhwani  |589 Answers  |Ask -

Study Abroad Expert - Answered on Apr 14, 2023

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Career
Hello, i am 32 year old having B.COM with MBA degree and working in the banking sector (SBI) as officer. Now i want to study or working in USA or canada. what is my career prospects in abroad.
Ans: Hello Jagdish,

First and foremost, thank you for contacting us. Your employment chances in the USA or Canada as someone with a B.Com and an MBA degree, as well as prior experience working in the banking industry, may be favourable based on a number of variables like your talents, education, experience, and the state of the labour market.

The following job options are available to you in the USA or Canada:
1. Banking and Finance: Your banking industry expertise and MBA degree may be helpful if you want to work in the banking and finance business abroad. You can look for opportunities with international banks, financial institutions, or consulting businesses where your knowledge of banking operations, risk management, financial analysis, and strategic planning may be in demand.

2. Business and Management: Your MBA degree may open opportunities for managerial positions in various businesses. Based on your interests and abilities, you can seek jobs in industries like marketing, sales, operations, supply chain management, or human resources. Many global firms and international organisations operate throughout the USA and Canada, providing prospects for career advancement.

3. Entrepreneurship: You might think about beginning your own firm in the USA or Canada given your business knowledge and experience. These nations have thriving entrepreneurial ecosystems, making launching a firm an appealing alternative for people with the necessary abilities, assets, and business concepts.

4. Education and Research: If you are considering a career in academia, consider options at universities, research centres, or think tanks. You might be qualified for teaching, research, or administration positions in educational institutions.

5. Professional credentials: A professional certification viz. the Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), or Project Management Professional (PMP), can help advance your job chances and create new possibilities in your area of expertise.

Keep in mind that the employment market and career prospects may change based on the precise area, sector, and financial situation. To comprehend the prerequisites, employment market dynamics, and legal issues for working or studying overseas, it is advised to perform extensive research, network, and consult with appropriate professionals. Moreover, pursuing your career objectives in the USA or Canada will require you to secure the relevant work permits and visas.

For more information, you can visit our website.

..Read more

Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on Aug 22, 2023

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Career
sir, my son is LLM in international law from Brussels . But find difficult placement in india as well outside. being father in concern i m worried . would like to know if law career is wrong choice to get settle .
Ans: I understand your concerns about your son's career prospects in international law. It's natural for parents to worry about their child's future, especially when it comes to career choices. International law is a highly specialized field that can offer rewarding opportunities, but like any profession, success can depend on various factors.

Here are a few considerations to keep in mind:

Specialization and Niche Expertise: International law is a complex and competitive field. Having a specialized skill set or focusing on a niche area within international law can make your son stand out. Whether it's human rights, trade law, environmental law, or something else, finding a unique area of expertise can improve his prospects.

Networking and Internships: Connections within the legal community are invaluable. Encourage your son to attend conferences, workshops, and seminars related to international law. Internships, whether paid or unpaid, can also provide him with practical experience and valuable contacts.

Location Flexibility: International law often involves working with governments, NGOs, multinational corporations, and international organizations. Being open to working in different geographical locations can increase his chances of finding suitable opportunities.

Further Education: Depending on his specific interests, pursuing further education such as a Ph.D. or specialized postgraduate courses might enhance his qualifications and marketability.

Adaptability and Multilingualism: International law often requires working with diverse cultures and languages. Proficiency in multiple languages and an ability to adapt to different legal systems can be advantageous.

Consult Career Advisors: Many universities and professional organizations offer career counseling services. Encourage your son to utilize these resources to explore different avenues and receive guidance on how to navigate the job market effectively.

Online Presence: Maintaining a professional online presence, such as a LinkedIn profile, can help showcase his skills and accomplishments to potential employers.

Persistence and Patience: The job search process can be challenging, especially in specialized fields. Encourage your son to remain persistent, patient, and open to different opportunities that might arise.

Remember that success in any career is a combination of individual effort, timing, and external factors. While the journey might be challenging, a career in international law can indeed be fulfilling and impactful. It's essential to support your son's aspirations while providing guidance and realistic expectations.

Regards,
Abhishek Shah

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Career
Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.
Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

...Read more

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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