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Patrick Dsouza |259 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Nov 14, 2023

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

Question by Usha on Nov 02, 2023Hindi

Career

Hi, Patrick, My daughter has Just completed her Graduation in Since( Physics) and not interested to peruse Masters in Physics. She has a great career above 9o%. and willing to appear CAT XAT etc.. can you please guide how her study routine should mapped and where to join for coaching for CAT..

Ans: First let her talk to her friends or any students she knows who have already written the CAT or are preparing for CAT23. That will give her a better idea about the preparation.
Second, let her write a mock test to understand the paper pattern. Link for a free test (past CAT papers) https://prep.patrick100.com/TestCentre/full-length--tests/full-length-past-tests
As far as classes are concerned she can look at both option Classroom and online and decide. I do conduct Classroom (Thane Mumbai) and Online. If you are looking at classroom at any other city then can visit the local classes for more information.

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Mayank Kumar |189 Answers |Ask -Follow

Education Expert - Answered on Jun 01, 2023

Question by Shilpa - May 27, 2023Hindi

Career

My daughter has given CAT exam two times and did notget through any decent college. She had done Bachelor in Journalism from JIIMS Vasant Kunj. She had got 99/100 in economics in 12th. What are other good career choices for her now after wasting two years. Shilpa

Ans: If you believe she has a great interest in Economics you can look at exploring programs at Lady Shriram College Delhi, Miranda House College, Christ University, Delhi School of Economics, NMIMS. Some of these colleges have individual exams that you can clear and get admission into the program

Chocko Valliappa |225 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Feb 27, 2024

Asked by Anonymous - Sep 24, 2023Hindi

Career

My daughter is doing Engineering Physics from IIT Delhi. What r the career prospects and what she should do for a successful future

Ans: Being a student at among the best Engineering Schools in India your daughter has access to the best teachers and IIT would offer abundant study and job opportunities for a bright future. She must seek their advice and guidance and progress.

Mayank Chandel |498 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Mar 14, 2024Hindi

Career

Hello sir, my daughter will be appearing for 10th in coming year. She don't want to be a doctor or an engineer but likes science more particularly physics n maths. Can you plz guide on availability of courses with this respect to her interests

Ans: Hello sir,
If she is interested in physics & maths ask her to look for BS courses in IISC, IISER and for Math she can go for CMI or ISI. These are the best & top of the league institutes in India.

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Mohit Arora |44 Answers |Ask -Follow

Dating Coach - Answered on May 16, 2024

Asked by Anonymous - May 13, 2024Hindi

Relationship

I am a 25 years old girl preparing for competitive exams. Meanwhile in preparation I got into a relationship that ended without due closure. The questions like why , how troubles me a lot.I am not able to move on neither to concentrate on studies.Please help

Ans: You'll get more guys. Focus on studies. Your happiness should not depend on that guy

Mohit Arora |44 Answers |Ask -Follow

Dating Coach - Answered on May 16, 2024

Asked by Anonymous - May 15, 2024Hindi

Relationship

I’m 36 year old female, I have fallen in love with a friend, we are compatible on all levels. Physically as well as mentally attracted to each other. But he says he doesn’t have those feelings for me. What should I do ? Should I continue talking to him as a friend in hopes that his feelings will change in the future or should I break contact and move on with my life ? What should

Ans: His feeling won't change. If you want to keep it casual, carry on, otherwise move on

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Asked by Anonymous - May 08, 2024Hindi

Career

Hi, I am a 40 year old man. I had been freelancing for the past 8 years but now I hardly have any work as AI has rendered my skills redundant. To address this situation I took the decision to change my career and thus have enrolled in a data analytics certification course. While I am aware that I'll be considered as a fresher, I am worried how I would fare in the job market, especially when the other applicants would be half my age. Is it too late to make a change? Would I be able to secure a job in an entirely new but booming domain at this age?

Ans: Hello

My I suggest you understand the use cases of using AI in your original area, combining AI skills to your original domain would enhance your skills and will be muh needed.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Question by Venkatesulu - May 06, 2024Hindi

Career

I have been laid off by the company in January 2018. I have the PF account & till date the PF balance amount around 16 lacs, till now I have not withdraw the PF amount. & Till now I was unemployed. Pl. Suggest weather I should withdraw the PF amount or not. or u should continue. Pl advise

Ans: Hello Venkatesulu

It depends upon upon whether you need that money or not whether you can deploy the money where it will give you better returns than interest what you are getting. If answer to any of the question is affirmative then you should but if it is not then you may continue keeping it.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Asked by Anonymous - May 04, 2024Hindi

Career

I am working in PSB with 6+ years of experience in planning & retail advance and branch operations and feeling so depressed that I dnt want to continue. I am specialist officer but every now and then I am being transferred to branch then called back I am loosing my confidence and feel that I am good for nothing. I have so much anger for my organisation that I can't explain in words just want to leave this toxic environment

Ans: Hello

May I suggest you talk to your manager and HR dept. Feeling frustration on a daily basis is not good for your health. I am sure once you talk to them you will find a way.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Question by Tanmaya - Apr 26, 2024Hindi

Career

I haven't received my salary yet what should i do?

Ans: Dear Tanmaya

Kindly approach your HR and your manager, write a formal email to them post your meeting. See what they have to say.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Asked by Anonymous - May 05, 2024Hindi

Career

Dear Sir My last employer has shared me Certificate of Employment on my mail id after serving notice period and approval of resignation, and when I asked them if I should expect seperate document as experience and relieving letter they replied same document i.e certificate of employment will serve as both relieving and experience letter. so sir kindly confirm if it's correct or will I face any issues in future with this document? Note: this certificate of employment clearly says I worked from xyz date to abc date and it says I have been relieved from the services from close hours of abc date And in bottom it's mentioned : as per your contract of employment you will be bound by non- compete, solicition, non disclosure etc I am worried why my last employer have me certificate of employment instead of relieving letter and will it affect me in future?

Ans: Hello

The document shared is good enough.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Asked by Anonymous - Apr 21, 2024Hindi

Career

Turning 29 soon. Done with my MA in Eonomics. Fustrated not getting a job.... applied in alot of places but finiding no success. Feeling lost at times. Dont know what direction to take. Pls advise!!

Ans: Hello

Post MA Economics you have multiple path, either as a teacher or as a reseracher in organisation. However may sugget you take up some additional courses. In case you are interested in teaching go for B.Ed ... In case you are interested in research side then M.Phil or Phs would be better.

All the best.

Krishna Kumar |280 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Asked by Anonymous - Apr 19, 2024Hindi

Career

Im 49 years old i worked as a teacher in a private unaided school in Telangana Medchal Mandal for the past 24 years.I started my career in teaching in this school since 1998 -2024 March 15. I was asked to quit the school since the new management wanted to have teachers according to their whims and fancies. I worked for her parents when the parents died the property was divided among her daughters finally the elder one cornered it she didn't want the old staff to work and wanted to appoint new staff. When my old correspondent (her mother) when we asked for PF she assured i can't insure right now because i should have done right at the inception of the school so i promise to pay good will when you leave the school for the service rendered towards the school unfortunately she too died in 2021 then her daughter present correspondent didn't even do any favour Unfortunate thing i worked for such an institution there i had not facilities of PF . I served so loyally for this institution as a token of gratitude to my service.they didn't pay anything. Finding a job in other institution they doubt over long standing experience in one school and owing my age they are hesitant to offer a job i have attended few interviews in school . I'm running pillar to post to find a job to support myself. Im helpless and desperate don't know what to do. Please help mem

Ans: Hello

I can understand what you must be feeling to go through this stage of life.

May I suggest you start with taking private tutions, given your rich experience in teaching I am sure you will make positive impact in the lives of students. Initially you may find it difficult ... but as you take steps...over the period a good path would be laid.

Believe in yourself...I am sure you will do it good.

All the best.

Ramalingam Kalirajan |2330 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 12, 2024Hindi

Money

From April 2024 I ve started a SIP of 4 lacs each in ICIC pru index, 4.5 L in Parag Parikh Flexicap & 1.5 L Nippon India small cap( all 3 growth plans) . My age is 46 & I want to build a solid corpus of over 25 crore over the next 9-10 yrs until I retire. Do u suggest any changes or addition in the number of funds.

Ans: Your commitment to SIPs reflects a proactive approach towards building wealth for your retirement, and your choice of funds demonstrates a well-diversified portfolio. Let's evaluate your current strategy and suggest potential adjustments to align with your ambitious goal of accumulating over 25 crores in the next 9-10 years.

Assessing Current Portfolio Allocation
Your current SIP allocation comprises investments in ICICI Pru Index, Parag Parikh Flexicap, and Nippon India Small Cap funds, each with varying risk profiles and growth potential. While index funds offer stability, flexicap funds provide diversification, and small-cap funds aim for higher growth.

Considering Risk and Return Profile
Given your age of 46 and the relatively short investment horizon until retirement, it's crucial to strike a balance between risk and return. As you approach retirement, preserving capital becomes paramount, necessitating a gradual shift towards more conservative investments.

Potential Adjustments and Additions
Diversification: Consider diversifying further by adding exposure to other asset classes like debt or balanced funds to mitigate overall portfolio risk. Debt funds provide stability, while balanced funds offer a mix of equity and debt, suitable for investors nearing retirement.

Focus on Consistency: Evaluate the historical performance and consistency of the funds in your portfolio. Ensure that they align with your long-term financial goals and risk tolerance.

Review Fund Selection: While your current funds have their merits, periodically review their performance and make adjustments if necessary. Funds experiencing consistent underperformance or significant changes in fund management may warrant reconsideration.

Professional Guidance: Engage with a Certified Financial Planner (CFP) to conduct a comprehensive review of your portfolio and provide personalized recommendations tailored to your financial objectives and risk appetite.

Conclusion
In pursuit of your ambitious goal of accumulating over 25 crores by retirement, it's essential to periodically review and adjust your investment strategy. By diversifying appropriately, focusing on consistency, and seeking professional guidance, you can optimize your SIP portfolio for long-term wealth creation and financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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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