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Maxim

Maxim Emmanuel  |391 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 30, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
ashish Question by ashish on Aug 10, 2023Hindi
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Career

Please suggest some reputed courses to pursue digital marketing as there are so many on internet that you get confused and even misled.

Ans: It's important that you pick up a program which is aligned to a proper university and has an uptodate curriculum.

Go ahead and find out which suits your requirements and budget,depending on your place of residence!
Career

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Mayank

Mayank Kumar  | Answer  |Ask -

Education Expert - Answered on Jan 23, 2023

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Career
Hi Mayank I am a 32 yr old professional from Mumbai. I have a commerce degree and 8 years of work experience in sales and marketing. I want to move to digital marketing. Can you please guide me about the courses I can pursue and the scope of career. My current CTC is 10LPA
Ans: Looking at your years of experience and your CTC, I would say you are slightly underpaid at your current experience levels. After 8 years of experience, the average income of professionals in India is likely to be at a CTC of INR 12-15L. Sales & Marketing is one of the best domains that you are in and your experience is a bonus. From your current role, moving to Digital Marketing won't be a big challenge, and hence, I would recommend a few specific steps for you:
(a) Take up internal projects within your current organisation or at a smaller venture in Digital Marketing to build on your profile
(b) Pick up industry certifications with Google or Facebook to enhance your skill sets
(c) Actively work on your own social media profile and be more proactive in the domain of marketing
(d) If you want to build credibility in the market and amongst recruiters, it's critical to pursue an outcome-focused certification or a post-graduate program that will round you up & will also make your CV stronger (e) Within Digital Marketing, know what role you are looking for; is it Social media and Content Marketing, Performance Marketing, Marketing Analytics, Branding and Communications, or a PR professional, etc. and accordingly, aim for the profile that has the closest overlap with your current role. I would recommend doing a session with a career counsellor who can also guide you on your queries and can give you more personalised advice depending on your specific background. Additionally, upGrad gives you the option of completing an online course in Advanced Certificate in Digital Marketing and Communication with MICA Ahmedabad without having to quit your job along with 4 specialisation tracks (you could choose one based on your interests or skill competencies) to enhance your foundation.

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Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on Sep 28, 2023

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Career
best digital marketing course online
Ans: Hello Arun,

When it comes to finding the best digital marketing course online, there are several factors to consider to ensure you make the right choice. Digital marketing is a dynamic and evolving field, so it's essential to choose a course that provides up-to-date and comprehensive content. Here are some key considerations for selecting the best online digital marketing course:

Course Content and Curriculum: Look for courses that cover a wide range of digital marketing topics, including search engine optimization (SEO), social media marketing, content marketing, email marketing, pay-per-click advertising (PPC), analytics, and more. Make sure the course aligns with your specific interests and career goals.

Instructor Expertise: Check the credentials and experience of the course instructors. Ideally, they should have a strong background in digital marketing, with practical experience in the industry. Look for courses taught by experts who are actively involved in the field.

Interactive Learning: Online courses should offer interactive elements such as quizzes, assignments, and hands-on projects to reinforce your learning. Practical application of digital marketing concepts is crucial for skill development.

Certification: Many online courses offer certificates upon completion. Consider courses that provide recognized certifications from reputable organizations or institutions, as these can add value to your resume.

Reviews and Testimonials: Research reviews and testimonials from previous students to gauge the course's quality and effectiveness. Look for honest feedback about the course content, instructors, and support.

Price and Accessibility: Consider your budget and the affordability of the course. While some high-quality courses may be more expensive, there are also many excellent free or low-cost options available. Additionally, ensure that the course is accessible and user-friendly.

Up-to-Date Content: Digital marketing trends and tools change rapidly. Ensure that the course content is regularly updated to reflect the latest industry developments and best practices.

Support and Community: Look for courses that offer support through forums, discussion boards, or direct access to instructors. A strong online community can be valuable for networking and problem-solving.

Flexibility: Consider your schedule and learning style. Some courses offer self-paced learning, while others follow a structured timeline. Choose a format that aligns with your preferences and availability.

Additional Resources: Check if the course provides supplementary resources such as ebooks, templates, or access to relevant tools and software.

To help you get started, here are a few reputable platforms known for offering high-quality digital marketing courses:

Coursera: Offers courses from universities and institutions around the world, including the Digital Marketing Specialization from the University of Illinois.

edX: Provides access to courses from top universities, including the Digital Marketing MicroMasters program from Curtin University.

Udemy: Offers a wide range of digital marketing courses, including options from industry experts.

HubSpot Academy: Provides free courses and certifications in inbound marketing, content marketing, and more.

Google Digital Garage: Offers free courses in various digital marketing topics, including Google Ads and Analytics.

Ultimately, the best digital marketing course for you will depend on your specific goals, budget, and learning preferences. Take the time to research and compare options to find the one that best fits your needs.

Regards,
Abhishek Shah

..Read more

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Ravi

Ravi Mittal  |403 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
Money
Iam under debt of Rs 10lac and my salary is 23k per month. How to come out from debt and i need to get debt free. So, please guide me.
Ans: Being in debt can be overwhelming, especially on a limited monthly income. But with disciplined planning and commitment, you can gradually achieve financial freedom. Here’s a detailed guide to help you pay off your Rs 10 lakh debt and build a stable financial foundation.

Step 1: Calculate Your Monthly Expenses and Set a Budget
Start by understanding your cash flow. Track every expense to get a clear picture of your spending.

Essential Expenses: These include rent, food, utilities, and any other basic needs.

Discretionary Expenses: Cut back on non-essentials like dining out, entertainment, and shopping.

Savings and Debt Repayment: Dedicate any amount left after essential expenses towards debt repayment.

Tip: Keep a written budget or use a mobile app to monitor your expenses. Reducing discretionary spending will help increase the amount available for debt repayment.

Step 2: Increase Income if Possible
Boosting income, even slightly, can significantly accelerate debt repayment. Here are some ideas:

Freelance or Part-Time Work: If possible, look for freelance work in areas you’re skilled in, like writing, tutoring, graphic design, or programming.

Overtime or Extra Shifts: If your employer offers overtime, consider taking it on to increase your income.

Sell Unwanted Items: Sell items you no longer need, such as electronics, clothes, or furniture, to generate additional cash.

Increasing your income, even temporarily, can help you pay off your debt faster.

Step 3: Create a Debt Repayment Plan
List all your debts, including outstanding amounts, interest rates, and due dates. Here are two strategies for paying them off:

Snowball Method: Pay off smaller debts first to gain momentum, then tackle larger ones. This provides psychological motivation by clearing debts faster.

Avalanche Method: Focus on debts with the highest interest rates first. This method saves more on interest in the long term.

Choose the strategy that suits you best and start making extra payments each month.

Step 4: Prioritize High-Interest Loans and EMI Payments
Debt with higher interest can escalate quickly, so prioritize clearing them first. Some common examples include:

Credit Card Debt: If part of your debt is on credit cards, try to pay it down as quickly as possible. Credit card interest rates are often the highest.

Personal Loans: If your Rs 10 lakh debt includes high-interest loans, prioritize these over lower-interest obligations.

Contact your creditors to explore if they can reduce your interest rate temporarily. Any reduction helps ease the debt burden.

Step 5: Consider Debt Consolidation Options
Debt consolidation combines multiple loans into a single, lower-interest loan, making it easier to manage. Options include:

Personal Loans: Look for a lower-interest personal loan to pay off existing debts. This can reduce the overall interest burden.

Balance Transfer: If a major portion of your debt is on a credit card, look for a card offering a low or zero-interest balance transfer option.

Be cautious of fees associated with consolidation options and make sure to do thorough research. Consolidation can simplify payments and potentially save you money on interest.

Step 6: Start a Small Emergency Fund
While repaying debt is crucial, having a small emergency fund (around Rs 5,000–Rs 10,000) can help you avoid additional debt. This fund is for unexpected expenses like medical emergencies or car repairs.

Building a small emergency cushion ensures you don’t rely on credit if unplanned expenses arise. Once your debt is cleared, you can gradually build a larger emergency fund.

Step 7: Avoid Taking on New Debt
Avoid credit cards, loans, or any new debt until you’ve repaid the current amount. New debt will delay your goal of becoming debt-free.

Instead of borrowing, prioritize saving for any purchases. Practicing patience with spending decisions will help prevent additional debt.

Step 8: Automate and Regularize Payments
Set up automated payments for your debt EMIs and monthly bills. Automation helps prevent missed payments, which can incur penalties and hurt your credit score.

If automated payments aren’t possible, set reminders to ensure timely payments.

Step 9: Track Progress and Stay Motivated
Track your progress each month and celebrate small wins, such as reaching specific milestones in debt reduction.

Seeing your debt balance decrease, even gradually, can keep you motivated.

Step 10: Seek Professional Guidance If Needed
If you feel overwhelmed, consider seeking guidance from a Certified Financial Planner (CFP). They can help you devise a structured plan tailored to your specific financial situation.

A CFP can also provide personalized advice on managing and reducing debt efficiently.

Finally
Your determination to achieve a debt-free life is commendable. By following these steps and staying disciplined, you’ll gradually pay off your debt and move toward financial freedom. Remember, small steps today will lead to a financially secure tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

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Money
Dear sir/Ma'am, I want to invest long term mutual fund for my daughter marriage. She is now 15 years old and i want to invest for 10 years, please advised me which mutual fund best for me. My monthly investment amount is Rs. 5000.00/- please reply soon as soon possible.
Ans: Investing for your daughter's marriage is a thoughtful goal. With 10 years to grow your investment, mutual funds offer a practical approach to help achieve this objective. A disciplined investment of Rs 5000 per month can build a substantial corpus over time. Here’s a comprehensive guide to structuring this investment for long-term success.

Choosing the Right Type of Mutual Funds
For a 10-year horizon, equity mutual funds are suitable. They have the potential for higher returns over time. Considering a diversified mix of equity categories could balance growth with stability.

Equity-Oriented Funds: With their higher growth potential, equity funds can be ideal for long-term goals like marriage. Large-cap funds or diversified equity funds with a mix of large- and mid-cap investments can provide relative stability.

Balanced or Hybrid Funds: These funds allocate a portion to both equity and debt. This approach reduces risk while still capturing growth. Hybrid funds could be a good option to add stability.

Avoid Index Funds: While index funds are popular, they lack flexibility in managing market changes. Actively managed funds, however, allow fund managers to navigate market fluctuations, potentially offering higher returns.

Benefits of Regular Funds vs. Direct Funds
When considering direct funds, you miss out on expert guidance, which is vital for long-term investments. Regular funds through a Certified Financial Planner (CFP) ensure you get continuous support, fund reviews, and performance tracking. They help rebalance your portfolio when required, maximizing your returns and managing risks effectively.

SIP (Systematic Investment Plan) for Steady Growth
Setting up a monthly SIP of Rs 5000 is a practical approach. SIPs allow you to invest consistently, regardless of market highs and lows, which averages out costs over time. This approach, known as “rupee cost averaging,” helps reduce the impact of volatility.

Tax Implications on Mutual Fund Investments
Understanding tax rules on mutual funds is important.

Equity Mutual Funds: Gains above Rs 1.25 lakh attract a 12.5% tax on Long-Term Capital Gains (LTCG). Short-Term Capital Gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both STCG and LTCG are taxed based on your income tax slab.

These tax rates are subject to change, so it’s crucial to monitor tax policies periodically. You may consult a tax advisor for updates and efficient tax planning.

Key Investment Tips to Reach Your Goal
Consistency: Stay disciplined with your SIPs to leverage compounding. Missing contributions can reduce the growth potential.

Regular Monitoring: Review fund performance at least once a year. This ensures the selected funds are meeting your expectations and objectives.

Professional Guidance: Consult a CFP periodically to align your investments with your financial plan. They can advise on any required adjustments to optimize your portfolio.

Adjusting for Inflation and Goal Cost
Over time, inflation will impact the cost of your daughter’s marriage. Your CFP can help you estimate the future value and adjust your SIP amount if needed. Gradually increasing the SIP amount can help you meet the target despite inflation.

Final Insights
Your commitment to this goal is commendable. By selecting the right mix of funds, maintaining discipline with SIPs, and staying informed on tax and fund performance, you’ll be well on your way to achieving the desired corpus for your daughter’s marriage.

Invest with confidence, plan regularly, and stay on track toward building a secure financial future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1033 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
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Career
Hello! I am looking to change my career. Currently, I work as a DTP Operator and Graphic Designer in my maternal uncle's offsset printing press business. My father passed away 8 years ago, so my maternal uncle has taken on the responsibility of me, my mother, and my brother. I have been working under them for the past 5 years as a favor of them. However, there has been no financial growth or development in my current position. But maternal uncle asks me to continue to work with them as their childrens are out of their Offset Printing profession. So they expect me to handle the business in future. But this will not happen. Also I'm not sure of the future scope of Offset Printing Press profession due to digitization. Though my mind is telling me to change profession, as of my financial condtion is weak I would have to start again from zero. I am feeling unsure about what to do?
Ans: Hello.
Presently you are working as a DTP operator and Graphic Designer with your uncle. It seems that due to financial problems, your uncle might be taking undue advantage of your situation and taking it granted that you must work for him and his printing press as a bull for 24x7. You said, your uncle's children are not interested in running the printing press. Hence he is expecting to handle the business in the future. I think this is a golden time to negotiate with your uncle from a business point of view and put some terms and conditions in front of him. You must overtake the printing press fully in your control and share some part of the profit with him. Remember, you are young, have solid experience of 5 years and the most important thing is that, your uncle is not dependent on you only. This makes the situation in your favor. If your uncle is not ready to hand over the printing press business to you, then you have an option to search for another job and tell your uncle also in this regard. I can fairly say, your uncle will not think to lose you under any condition. In life, nothing is impossible, With the hands-on experience of 5 years, you may job in an advertising company and a reputed publishing house. Related to your insecurity feeling, even though you are working with your uncle, you are feeling insecure. Hence either force your uncle to accept your terms and conditions or leave him without any hesitation. Try with new people, new organizations, and new opportunities. A little change will make a big change in your life.
Best of luck for your bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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