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My Daughter Scored 98.6% in 10th (PCM) but Wants to Pursue UI/UX: What Courses and Colleges Are Best?

Nayagam P

Nayagam P P  |4093 Answers  |Ask -

Career Counsellor - Answered on Aug 05, 2024

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Asked by Anonymous - Aug 04, 2024Hindi
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Namaste sir, my daughter has scored 98.6 in her Xth board (PCM). Started with FIITJEE coaching along with school. But doesn't feel like pursuing it further. She finds interest in UI/UX etc. Please guide on courses and colleges for the same. Thanks

Ans: Namaste. Good your daughter is interested in UI/UX etc. To get admission into CSE-related courses itself (with certifications or specializations in UI/UX) & reputed colleges, she will have to prepare for Entrance Exams like JEE NID etc. which she should not ignore. It is advisable to continue her JEE / other Entrance Exam preparations. All the BEST for Your Daughter's Bright Future.

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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.

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Study Abroad Expert - Answered on Apr 08, 2024

Asked by Anonymous - Apr 07, 2024Hindi
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My daughter is studying Iterior Designing -4yr course. Shall be completed in May-24. What are the higher studies she can persue after this including master in same stream and other stream aslo and the college/ University name pl.
Ans: Hello,

To begin with, thank you for contacting us. I am glad to know that your daughter is currently pursuing Interior Designing. As an answer to your question, I would like to let you know that in order for your daughter to improve her chances for career advancement, there are a variety of higher education opportunities that she can take up post the completion of her Bachelor's in Interior Designing. She can opt for a Master's in Interior Designing, Master's in Urban Design, Master's in Business Administration (MBA) specializing in Design Management, Master's in Architecture, or Master's in Fine Arts (MFA) with a focus on Interior Design. If your daughter intends specializing in sustainable and ecologically responsible design approaches, she can opt for a Master's in Environmental Design.

Concerning your query regarding the universities and colleges offering these programs, I would recommend that your daughter conducts an all-round study depending on variables viz., the college’s or university’s standing, the location, the experience of the faculty members, as well as the available resources. Savannah College of Art and Design (SCAD), University of California, Berkeley, Rhode Island School of Design (RISD), Royal College of Art (UK), Massachusetts Institute of Technology (MIT), Parsons School of Design, Politecnico di Milano (Italy), and Pratt Institute are a few of the prominent institutions regarded for the interior design and associated programs they offer.

In addition to the above, there are a number of other outstanding institutions across the world. In order to better understand the programs and to decide which ones resonate with her professional objectives and passion, I would recommend that your daughter investigates the websites of each university, if possible, visits campuses, as well as gets in touch with alumni or students who are presently studying there.

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Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
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7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
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Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

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Yoga, Mindfulness Expert - Answered on Feb 05, 2025

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My sister is recently diagnosed with second stage of breast cancer. She is always emotional and moody. Can I introduce her to yoga or meditation? Can yoga help her cope with the fear and uncertainty?
Ans: I'm very sorry to hear about your sister’s diagnosis. This is a challenging time, and emotional support is just as important as medical treatment. Yes, yoga and meditation can help her cope with fear, stress, and uncertainty by bringing mental peace, emotional strength, and relaxation.

How Yoga Can Help:
Reduces Anxiety & Fear: Gentle yoga and deep breathing activate the parasympathetic nervous system, which helps in relaxation and emotional balance.
Improves Sleep: Many cancer patients struggle with sleep. Yoga Nidra and slow breathing exercises can promote restful sleep.
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Strengthens the Body: Light yoga can help reduce fatigue and improve overall well-being during treatment.
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Breathing (Pranayama): Anulom Vilom (Alternate Nostril Breathing) and Bhramari (Humming Bee Breath) calm the mind.
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Encourage her to consult a yoga coach for personalized support. With the right guidance, yoga can become a healing companion in her journey.

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Mam, can yoga help prevent cancer in women? Please advice
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How Yoga Can Help:
Reduces Stress: Chronic stress weakens the immune system and increases inflammation, which can contribute to disease. Practicing meditation, breathing exercises, and relaxation techniques keeps the body in balance.
Boosts Immunity: Gentle yoga poses improve blood circulation and support the lymphatic system, which helps remove toxins from the body.
Balances Hormones: Hormonal imbalances may increase the risk of conditions like breast and ovarian cancer. Regular yoga helps maintain a healthy endocrine system.
Supports Detoxification: Twisting poses and deep breathing help the body eliminate waste and toxins.
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Pranayama (Breathwork): Anulom Vilom and Bhramari help calm the nervous system.
Yoga Poses: Cobra Pose, Twists, and Forward Bends improve digestion and circulation.
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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative
Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?
Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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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