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Sushil

Sushil Sukhwani  |567 Answers  |Ask -

Study Abroad Expert - Answered on Jun 12, 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
Asked by Anonymous - May 08, 2024Hindi
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Career

I have received a GRE score of 330. I have a B.Tech and an MBA degree. I have 6 years of work experience out of which 3 years are in finance. I want to persue MS in finance. How good are my chances of cracking the top US colleges like Harvard and MIT?

Ans: Hello. Thank you for connecting with us. As per the information provided by you, our profile definitely presents a strong foundation for pursuing a MS in finance at some of the top universities, like Harvard and MIT. Your GRE score of 330 indicates a commendable level of academic aptitude, and a combination of B.Tech. and an MBA demonstrates a diverse skillset towards your academic excellence. Your six years of work experience with three years in finance bolster your practical understanding of the field, thus contributing significantly to the academic environment. However, let me tell you that admission to Harvard and MIT is highly competitive. Your acceptance will be enhanced if you have signed letters of recommendation, statements of purpose, and alignment of your interests with the faculty. Above all this, extracurricular activities and your active involvement in them matter. To make sure that your application stands out, highlight your unique strengths and experiences, and demonstrate a clear passion for studying further. With diligent preparation and a compelling application, you can certainly have a chance of securing admission in any of the prestigious academic institutions.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Website- https://www.edwiseinternational.com/

You can follow us on our Instagram page- @edwiseint
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Sushil

Sushil Sukhwani  |567 Answers  |Ask -

Study Abroad Expert - Answered on Dec 23, 2023

Asked by Anonymous - Sep 24, 2023Hindi
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Career
I'm planning on doing my MS in US and my top choice is UCSD (FSU, ASU among others) . My GPA is 8.88 and me IELTS score is 8. I have experience in research (published one paper, another under review). My domain is AI&ML but I'm planning on pursuing general CSE for masters. I have stunning LORs from HODs. What are my chances of getting in? Also what other top colleges can I apply to?
Ans: Hello,

To begin with, thank you for contacting us. I am happy to hear that you intend pursuing your Master’s in Science in the USA. To answer your question first, I would like to tell you that having secured a 8.88 GPA, an impressive score of 8 in the IELTS, research experience with one published paper and one under review, as well as recommendation letters from HODs, you have good chances of securing admission to UCSD and similar respected universities. Your adaptability and dedication to the discipline is demonstrated through your experience with AI and ML combined with your desire to enrol in a more broad Computer Science Engineering (CSE) program. You would be glad to know that research-focused applicants like you are highly valued at UCSD, and your application could be unique from the rest. Concerning your query as to which other top colleges you can apply to, I would like to say that taking into account your profile, universities offering robust programs in CSE and opportunities for AI & ML research, viz., Arizona State University (ASU), Carnegie Mellon University, University of California, Berkeley, and Florida State University (FSU), might be other outstanding choices for your application.

You should bear in mind that several criteria beyond the scope of academics, viz., the calibre of the candidate pool, particular prerequisites for the program, essays, and any other experiences or qualifications you choose to highlight in your application, also play a key role in making admission decisions. Thus, despite your impressive qualifications, I would recommend that you craft a comprehensive application that throws light on your ambitions, enthusiasm, as well as your distinct contributions to the field.

For more information, you can visit our website.

..Read more

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Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi
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Relationship
Hello..I met him on Jan 4 th of 2024.. this year he is not with me. We were in a relationship for almost 8 months. Everything was fine and blissful. Last December he told me he needs some time to decide about our relationship. First of all it was a blow to my confidence..I thought he will stay by my side no matter what it is. After a few days he told me he wants to move on. I was in no contact for 10 days. After I went back and called him..he told me he is talking with another girl and he likes her and going to marry her. My world was broken. The reason for this? Our horoscopes doesn't match also he brings up caste differences even though there is not much difference. We were each other's best friends cared and loved each other so much. Stood by eachother's tough times..I begged him I cried d...I lost all my self respect..I somehow wanted to keep him with me...but he threw me away. It pains a lot. I haven't recovered yet..but he is going to marry her very soon...the toughest part here is I have to see him everyday atleast for the next 6 months. How will I handle if he gets engaged? How will I handle when he gives out his wedding cards? I have big goals in life I want to achieve them. But I am terrified what if it all crumbles because of my inability to handle this pain and suffering? What should I do? Your suggestion is very much needed.
Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

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The seconds of time during taking action..I get into the overthinking/over-analysing thoughts... 1. Imaginative: Where I becom's the character & live life(see images, speak..) in those..like being rich,powerfull,disciplined,wife,kids....things which I want/perceive from social media...+ memos of past also.. 2. Stuck: Where I becom's a "OBJECT" & voices + images of brain guides me to quit task's when doing things/challenging...by saying.. *What this thing(task/book..) gonna benefit you? *Don't do it, you will do worse/fail..people gonna judge/laugh to you...look yourself!!..no good face, no good dress, u don't hv courage/skill to do that thing. 3. Coping: "Quit it" & use Mobile(songs,reels,yt videos..) to stop/distract myself from those dark clouds. i) What/How [solution] to don't get stuck in those next time. ii) How to use that overthinking for my advantage.. with hving control. iii) I tried to fill the possible voids by dress/looks but things were same..so it's internal.. What to do for that?
Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
- Sports
- Art work
- Meditation
- Breathwork
These are a few ways in which you can attempt to slow down the mind from racing thoughts. Once that happens, work on your self-talk to make it more useful where you start to direct yourself towards what you want to do.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Money
Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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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