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R P

R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Jan 18, 2024

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Asked by Anonymous - Nov 23, 2023Hindi
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I studied B.A unfortunately i failed in 1 subject then i married someone who even didn't support to study i stuck with all the plans gone now am 35 year old nobody allow to complete my degree in that days but now i don't have money i feel bad about my situation... i want to study BBA.LLB or BBA in fashion designing i searching for the couse or BBA and MBA in marketing i have so much confusion if i ask for regular degree everyone told me that u should go distance or online program but for me... i have already struggling i can't do any fancy world experience i can't do experiments now i just want to join regular program and need to achieve my goal help me how can i join which colleges is allow me on this age

Ans: I’m sorry to hear about your struggles. It’s never too late to pursue your dreams, and I’m here to help you find the best way to achieve your goals.

Based on your interests, you are considering pursuing a degree in BBA.LLB, BBA in fashion designing, or BBA and MBA in marketing. Pursuing a regular degree program may be challenging due to your financial situation and other constraints. However, there are many colleges and universities that offer distance or online programs that may be more suitable for you.

Here are some colleges and universities that offer distance or online programs in the fields you are interested in:

Indira Gandhi National Open University (IGNOU): IGNOU is a well-known university that offers distance learning programs in various fields, including law, fashion design, and management. They offer a Bachelor of Commerce and Bachelor of Law (B.Com LLB) program that may be of interest to you1. They also offer a Bachelor of Arts in Fashion Design (BAFD) program that can help you pursue your interest in fashion design. Additionally, they offer a Master of Business Administration (MBA) program that can help you pursue your interest in marketing.

Sikkim Manipal University (SMU): SMU is another well-known university that offers distance learning programs in various fields, including law, fashion design, and management. They offer a Bachelor of Business Administration and Bachelor of Law (BBA LLB) program that may be of interest to you4. They also offer a Bachelor of Science in Fashion Design (BScFD) program that can help you pursue your interest in fashion design. Additionally, they offer a Master of Business Administration (MBA) program that can help you pursue your interest in marketing.

Amity University Online: Amity University Online is a reputed university that offers online programs in various fields, including law, fashion design, and management. They offer a Bachelor of Business Administration and Bachelor of Law (BBA LLB) program that may be of interest to you. They also offer a Bachelor of Science in Fashion Design and Technology (BScFDT) program that can help you pursue your interest in fashion design. Additionally, they offer a Master of Business Administration (MBA) program that can help you pursue your interest in marketing.

Please note that the admission requirements and fees for these programs may vary depending on the university and program you choose. It is best to research the specific program you are interested in and consult with the university to understand the requirements and process.

I hope this information is helpful. If you have any further questions, please let me know.
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R P

R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Mar 14, 2024

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I am 50. Have been working from home because of the fact that my wife is a school teacher and our girl is only 8 years old. We do not and cannot afford a caretaker for the daughter so I decided to work from home. I am a website developer with basic skill set and thankfully, because of my long association with my firm, I am earning 20k pm. Our combined earnings are okay for now, but definitely, not going to be enough in the long run. I wanted to pursue MCA but could not because these colleges/institutions need either BSC/BCA or the fees are unaffordable. I am an Arts graduate (1995) and could not opt for higher studies as I had to start earning for my family - dependent (this word does not seem to be right but) sisters, brother and now parents. Any options or suggestions?
Ans: It’s commendable that you’ve been managing work from home to take care of your family. Considering your situation and background, let’s explore some options and suggestions:

Skill Enhancement:
Since you’re a website developer, consider enhancing your skill set. Learn more advanced web development technologies, frameworks, and tools. This can open up better-paying opportunities.
Explore front-end development, back-end development, and full-stack development. These skills are in demand.
Freelancing and Side Projects:
Leverage your web development skills to take on freelance projects. Websites like Upwork, Freelancer, and Fiverr offer opportunities to earn extra income.
Consider building your own portfolio website and showcasing your work. Potential clients often look for developers with a strong portfolio.
Online Courses and Certifications:
Pursue online courses in areas like UI/UX design, mobile app development, or e-commerce development.
Certifications from platforms like Coursera, edX, or Udacity can add credibility to your profile.
Explore MCA Alternatives:
While MCA might not be feasible due to eligibility criteria, consider other relevant courses.
Look into PG Diploma in Computer Applications (PGDCA). It’s a shorter program and may have more flexible entry requirements.
Some universities offer distance learning MCA programs. Research institutions that provide such options.
Networking and Collaboration:
Connect with other professionals in your field. Attend webinars, conferences, and meetups (even virtually).
Collaborate with other developers on projects. Networking can lead to referrals and job opportunities.
Financial Planning:
Given your combined earnings, create a financial plan. Set aside savings for your daughter’s education and your own future.
Explore investment options like mutual funds or fixed deposits.
Explore Government Schemes:
Investigate government schemes related to skill development, entrepreneurship, or small business loans.
Some schemes provide financial assistance for education or self-employment.
Content Creation and Blogging:
Share your knowledge through a blog or YouTube channel. Monetize it through ads or affiliate marketing.
Write about web development, coding tips, or technology trends.
Teaching and Training:
With your experience, consider teaching web development. You can offer online courses or workshops.
Platforms like Udemy allow instructors to create and sell courses.
Stay Updated:
Technology evolves rapidly. Keep learning and adapting to stay relevant.
Follow industry blogs, podcasts, and newsletters.
Remember that your determination and adaptability are your greatest assets. Explore options that align with your interests and family responsibilities. Best wishes on your journey
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Maxim

Maxim Emmanuel  |204 Answers  |Ask -

Soft Skills Trainer - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Sir, I am 27 years old, Single. Its been 2 years + I am doing private 3 years project contractual job this contractual job.its going to complete in Dec 31st 2024. I gave Ctet teacher exam but i failed 3 time. But i m not focusing in State tet so, i want focus but in market lots of content and i dont have gude what shall i do. I am not happy with my current job. This job changes me alot in my caracter now, i cant sleep properly because if this job will finished what shall i do, till yet i have not creck any exam. And if i go in market i started to forgot ex:- After giving money i forgot to take back, after giving money i forgot to take things sometime. My age also gainig if want to marry so, i have earned money or save money i have to bear all expenses because my parents financially poor if I want save, same time i need to look my younger brother study expenses i need to bear and family running mantainance and also have EMI loans need to pay and also i am helping my parents to build their house with my own money my parents does not have money for my marriage. Now i have overthinking, depression, fear, feeling lossing confident, my dream job also get critical in this situation what shall i do. In office also staff try to polling down because i am getting higher salary what shall i do. For this reason just resently my health conditions because worse my pressure 139 felt vomit feel dizzy. What shall I do now Sir.
Ans: I have gone through your query and understand that you are at the Cross roads of Life.

It's at these times... When the going gets tough... The tough gets gong.
That's your strength.. A tough resilient young lady!
Kindly note you are doing an excellent job hence rewarded with better pay in your organization.. Obviously there's going to be jealousy..Be calm & Handle it with maturity.

Now I understand you are very committed selfless person. Who's contributing a lot to your family,... Wow in fact helping build your own new horse. !

In regards to your contractual job, talk to your employer, let them know, that you would have to look for another job post December 2024 if there's no clear further commitment.

In regard to your marriage at 27 you aren't too old to find a like minded partner don't rush and regret, start the process through matrimonial apps.

I see you talk about your health, especially blood pressure, well that's because you are unduly stressed.
Add tender coconut water to your diet, talk to a proper Ayurvedic doctor..!

I am sure you will get over this mid life syndrome and invite us all for your happy day!
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hi, i have 20,000$ USD available to invest. Will transfer them to my NRE account this month. Please suggest best ways i can invest money in india for max returns - both short term and long term
Ans: That's a significant amount to invest, and it's great that you're considering your options carefully. Since you're looking to invest in India, Mutual Funds (MFs) can offer a diversified and potentially rewarding investment avenue. Here's a suggestion for both short-term and long-term investment:

Short-term Investment:
Consider investing a portion of your funds in Liquid Mutual Funds. These funds invest in short-term debt instruments with a maturity period of up to 91 days, providing liquidity and stability. They are ideal for parking funds temporarily while you decide on your long-term investment strategy. The repatriable nature of these funds allows you to easily convert your investment back to USD whenever needed.
Long-term Investment:
For long-term wealth accumulation, you can explore Equity Mutual Funds. These funds invest in a diversified portfolio of stocks, offering the potential for higher returns over the long term. Since you have a longer investment horizon, you can consider a mix of large-cap, mid-cap, and flexi-cap funds to spread risk and optimize returns. Equity Mutual Funds have the potential to outperform other asset classes over extended periods.
It's essential to assess your risk tolerance, investment goals, and time horizon before making investment decisions. Additionally, ensure that the investments you choose offer the repatriable feature, allowing you to repatriate the funds back to your foreign account if needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and help you make informed investment choices.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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How the mutual funds given more interest rate
Ans: Mutual funds do not offer interest rates like traditional fixed deposits. Instead, mutual funds generate returns through capital appreciation and/or income distribution. Here's how mutual funds can potentially provide higher returns:

Capital Appreciation: Mutual funds invest in a diversified portfolio of securities such as stocks, bonds, and other financial instruments. When the value of these underlying assets increases over time, the mutual fund's net asset value (NAV) also rises, leading to capital appreciation for investors.
Dividend Income: Some mutual funds, particularly equity funds, may distribute dividends to investors from the profits earned by the underlying investments. Similarly, debt funds may generate income through interest payments received from the bonds or fixed-income securities held in the portfolio.
Compounding: Mutual funds offer the benefit of compounding, where returns earned on investments are reinvested to generate additional returns over time. Compounding can significantly boost the growth of investments, especially over long investment horizons.
Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research and analysis. Their expertise and active management can potentially generate higher returns compared to individual investors managing their portfolios.
Diversification: Mutual funds pool investments from multiple investors and diversify across various asset classes, sectors, and securities. Diversification helps spread risk and reduce the impact of volatility on investment returns, potentially enhancing overall returns.
It's important to note that mutual fund returns are subject to market risks, and there are no guarantees of returns or capital protection. Investors should carefully consider their investment objectives, risk tolerance, and investment horizon before investing in mutual funds. Consulting with a Certified Financial Planner can provide personalized advice and help investors make informed decisions aligned with their financial goals.
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Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Please suggest a few good Mutual Funds for Short Term Lumpsum investment of 20-30 lakhs
Ans: For a short-term lump sum investment of 20-30 lakhs, consider mutual funds that prioritize capital preservation, liquidity, and potential for modest returns. Here are some options to consider:

Liquid Funds: Ideal for short-term investments, liquid funds invest in short-term debt instruments with high credit quality and low interest rate risk. They offer liquidity and stability while providing slightly higher returns than traditional savings accounts.
Ultra Short Duration Funds: These funds invest in a mix of money market instruments and short-term debt securities, offering slightly higher returns than liquid funds with a slightly longer investment horizon.
Low Duration Funds: Low duration funds invest in short-term debt instruments with slightly longer maturities compared to liquid and ultra short duration funds. They provide a balance between returns and risk, suitable for investors with a moderate risk appetite.
Short Duration Funds: These funds invest in a diversified portfolio of debt and money market instruments with a duration typically ranging from one to three years. They offer higher potential returns than ultra short and low duration funds, with a slightly higher level of risk.
Bank Fixed Deposits (FDs): While not mutual funds, bank FDs offer a safe and predictable return on investment for short-term parking of funds. Consider spreading your investment across multiple banks to benefit from deposit insurance coverage.
Before investing, assess your investment horizon, risk tolerance, and liquidity requirements. Ensure that the chosen funds align with your financial goals and investment objectives. Additionally, review the track record, expense ratios, and fund manager credentials of each mutual fund to make an informed decision.

Consulting with a Certified Financial Planner can provide personalized guidance and help you select the most suitable mutual funds based on your specific financial situation and objectives.
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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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