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Nayagam P P |4026 Answers |Ask -Follow

Career Counsellor - Answered on Jun 11, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Question by Karthikk on Jun 11, 2024Hindi

Career

Sir, Nit puthuchery mechanical, iiit kancheepuram smart manufacturing, iiit Trichy ECE which is best for my future?

Ans: Karthik, Prefer Trichy ECE. All The BEST. To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach
https://www.linkedin.com/in/edujob360/

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Question by 10-B-31 - Jun 22, 2024Hindi

Career

Sir I got in manipal Jaipur cse Thapar mechanical Vit Vellore mechanical Which one to choose

Ans: If you’re passionate about computer science, Manipal Jaipur could be a good choice.
If you lean toward mechanical engineering, consider Thapar or VIT Vellore.
Visit both the campuses (if possible), check faculty, infrastructure, and placement records to make an informed decision.
Remember to follow your interests and long-term goals.
Choosing between Manipal Jaipur (CSE), Thapar (Mechanical), and VIT Vellore (Mechanical) is an important decision.
Manipal Jaipur (CSE): Manipal University has a decent reputation, and computer science is a sought-after field.
Thapar (Mechanical): Thapar University is well-regarded for engineering. Mechanical engineering offers diverse career opportunities.
VIT Vellore (Mechanical): VIT Vellore has a strong brand presence, good placements, and exposure.

Latest Questions

Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 04, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Money

I am a 38 yr old IT professional, married with a month old kid. I have 25 L in FD, 12500 in ELSS (ICICI & Axis), 17 L in Shares, PPF of 5L as of today, PF of 8.5 L as of today, 5 L as LIC and two Guaranteed Income plans from ICICI (ICICI Pru Guaranteed Income For Tomorrow - yearly premium of 120000) & HDFC (HDFC Life Guaranteed Income Insurance Plan - yearly premium of 125000) with maturity in 5 & 10 years. Kindly help with your feedback on this and also how can I improve or correct my future planning considering the kid's education/marriage and retirement. Please suggest.

Ans: Hello;

What is the maturity proceed expected from the Icici pru & Hdfc life plans?

Kindly clarify.

Thanks;

Nayagam P P |4026 Answers |Ask -Follow

Career Counsellor - Answered on Jan 04, 2025

Question by arun - Jan 03, 2025Hindi

Career

my daughter is doing 2nd year BA(Psychology) and intend to do carrier in Ui-Ux design.Kindly suggest courses In Ui-Ux for which she will be eligible.Also suggest institutes for design.we are from pune so suggest private colleges also

Ans: Arun Sir, Your daughter's psychology background can be a strong foundation for a career in UI/UX design, as both fields focus on understanding human behavior and user experience. Transitioning into UI/UX design can be achieved through targeted courses that build on her existing skills. Eligibility for UI/UX courses varies by institution, but generally, a bachelor's degree in any discipline is acceptable. Reputable institutes in Pune offering UI/UX design courses include Symbiosis Institute of Design, Doctor DY Patil International University, Maeer's MIT Institute of Design, and Edit Institute. To ensure alignment with career goals, review each institute's curriculum, prepare a portfolio, and consider workshops and certifications. By leveraging her psychology background and pursuing specialized education, your daughter can position herself competitively in the field of design.
All The BEST for Your Daughter’s Prosperous Future.

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Nayagam P P |4026 Answers |Ask -Follow

Career Counsellor - Answered on Jan 04, 2025

Question by Jack - Dec 03, 2024Hindi

Career

I want to make my linkedin profile . i m TY student of BBA Marketing

Ans: Jack, Here are the LinkedIn Profile Creation Strategies for you:

• Create a new Gmail ID for LinkedIn Profile and Job Application.
• Use a professional profile picture with good lighting and neutral background.
• Write a compelling headline highlighting skills, specialization, and career focus.
• Craft a strong summary sharing professional journey, achievements, and goals.
• Customize LinkedIn URL to include name.
• Highlight relevant skills and endorsements.
• Showcase education and certifications.
• Expand network strategically.
• Engage with industry-related content.
• Request personalized recommendations.
• Attend FREE webinars of Vikram Anand, Sakshi Chandrasekar & Sawan Kapoor for LinkedIn Profile Creation, Resume Building, and Interview/Salary Negotiation Skills. All The BEST for Your Prosperous Future.

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Nayagam P P |4026 Answers |Ask -Follow

Career Counsellor - Answered on Jan 04, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Career

Hello experts, I’m a 23-year-old student currently preparing for the CUET PG entrance exam. I have a strong interest in two different fields—English Literature and Mass Communication. Both align with my passion for storytelling and creative expression, but I’m struggling to decide. I’ve heard that CUET PG allows students to apply for multiple courses, but I’m not sure how it works in terms of application fee, exam schedules, or if it might affect my chances of admission. Can I apply for two courses simultaneously in CUET PG?

Ans: According to the Information Bulletin of CUET-PG-2025, an applicant can submit only one application form but can apply for up to Four Test Papers by paying additional application fees. Fees vary based on category and number of test papers. The National Testing Agency (NTA) schedules exams in separate sessions to avoid clashes. Independent evaluation ensures each test paper meets eligibility criteria. Exploring interests in storytelling and creative expression allows you for informed decision-making based on performance and preferences. All The BEST for Your Prosperous Future.

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Nayagam P P |4026 Answers |Ask -Follow

Career Counsellor - Answered on Jan 04, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Career

Sir, what is the application fee for CUET PG 2025? How to select preferred city for CUET PG 2024?

Ans: The Fee Payable for CUET-PG-2025 is as follows: (1) Application Fee for up to 2 Test Papers is Rs.1400 & Fee for additional Test Papers is Rs.700 (per Test Paper) for General Category Candidates. For OBC-NCL/Gen-EWS: Rs.1200 & Rs.600, For SC/ST/Third Gener: Rs.1100 & Rs.600 and For PwBD: Rs.1000 & Rs.600 respectively. To select your preferred exam cities in the CUET PG 2025 application form, navigate to the Exam City Preference Section and select up to two cities based on your registered addresses. Review and confirm your chosen cities, as the NTA reserves the right to change the test city based on administrative feasibility. A List of Examination Cities is already provided in the 'Information Bulletin of CUET-PG-2025' on Page No.42 for your ready reference. You can download the Information Bulletin from NTA Website. All The BEST for Your Prosperous Future.

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Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by Cm - Jan 01, 2025Hindi

Money

What happens if UAN is not activated due to name mismatch?

Ans: Hello;

You will have to resolve the name mismatch by following the due process.

Else your UAN will remain inactive and you may not be able to use online services offered by EPFO.

Best wishes;

Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 21, 2024Hindi

Money

I am having about 2 lakh in my PF out of which, ,I am allowed to borrow 1.5 lakh for housing purpose. After borrowing 1.5 lakh I am willing to pay the amount back to PF in small installments every month other than employee contribution. But my employer never entertain the voluntary contribution. Is there any other way to return back the amount borrowed from Provident Fund.

Ans: Hello;

You may consider it as partial withdrawal from EPF for house purchase.

No need to repay it. It's your own money which you are allowed to partially withdraw subject to certain conditions.

However your PF kitty will need to be replenished through regular contributions.

Best wishes;

Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by VEDANTAM - Jan 02, 2025Hindi

Money

Hdfc Std Life always lags it's peers, particularly not doing well at all of late. Returns have dwindled. Recommendation?

Ans: Hello;

It is fundamentally a good stock however my view is that in the short to medium term (2-5 yrs) it may test your patience with not much movement anticipated however for a long term horizon(5 yr+) outlook is quite positive.

You may consult a sebi registered research analyst for more appropriate feedback.

Best wishes;

Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 30, 2024Hindi

Money

I am 57 years old, have 3 cr in stocks and mutual funds, and I intend to invest another 2 cr because I make 1 cr a year. After reiteration, my monthly expenses would be 2.0 lacs. Could you please tell me if this is enough money to retire?

Ans: Hello;

You will need a minimum corpus of 6 Cr to generate post-tax monthly income of 2.1 L+ through annuity.(6% annuity rate considered)

After fulfilling monthly expenses you may do a monthly sip of around 10-15 K in a relatively low risk hybrid fund.

This can grow into a corpus of 40-60 L in 15 years which may be used to enhance annuity income for inflation.(9% returns considered)

Best wishes;

Milind Vadjikar |827 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by Rajesh - Dec 19, 2024

Money

Hi, My age is 42, salaried 1.5 lakhs per month in chennai, 2 school going kids. Own appartment worth 50 lakhs-- 8 yrs to complete the loan. also own Ancestor property 2 houses in same city. Wife working as teacher in small school. Regarding expenses, home loan 45k, house hold expense 50k, gold -7K, Mutual funds-- 15K, Shares--10K, NPS--- 5K. Till date my total savings is equity portfolio 21lakhs, Mutual fund-6 lakhs, EPF - around 23 lakhs i plan to retire in next 10-12 years, expecting my corpus atleast 3 to 5 crores, can you suggest best way to realign my portfolio Tnx in advance

Ans: Hello;

What is the current value of your share in the ancestral property?

Are you in a position to sell it whenever you want or it depends on concurrence of other people?

Please clarify.

Thanks;

See more questions »

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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