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Ankit Mehra  | Answer  |Ask -

Study Abroad Finance Expert - Answered on Jan 27, 2023

Ankit Mehra founded GyanDhan, a study abroad financing marketplace to help Indian students find end-to-end education loan and financial assistance, in 2015.Mehra holds a BTech degree in mechanical engineering from IIT-Kanpur and an MBA from the IESE Business School, Barcelona.... more
Shaukat Question by Shaukat on Jan 27, 2023Hindi
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Is it suitable to send my daughter to abroad for higher study in dental field ?. She has completed BDS from ESIC college Delhi. she interested in higher study like PG. please tell me your guidance or opinion Shaukat Ali

Ans: If you are planning to send your daughter abroad for higher studies in dental field, please ensure that you understand the eligibility of the target course. There are many admission consultants who promote medical courses abroad, but the student needs to understand if the international university is recognised by the Indian authorities or not. Furthermore, students will also have to pass a qualifying exam to be able to practice in India https://dciindia.gov.in/Admin/NewsArchives/Public%20Notice%203.pdf
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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Oct 14, 2023

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Good Morning Sir, My daughter is completing MDS as Orthodontist next year from Bharti Vidyapith Pune. Is it ok to send her abroad to make future prospectus ? what is your advice.. which country is better?, What is the cost involved? Can she be in India and get better future here ?
Ans: Hello Ravindra,

To begin with, thank you for contacting us. I am glad to hear that your daughter will be completing her Master’s of Dental Surgery as an Orthodontist the following year. Concerning your query as to whether she can remain in India itself and acquire a better future, I would like to tell you that we only deal with overseas education. Similarly, concerning your query as to whether it is okay to send your daughter abroad for better future prospects after she completes her degree, I would like to tell you that doing so can be a fantastic opportunity. Nevertheless, there are a number of aspects that need to be taken into account. First and foremost, your daughter will need to make sure that her qualifications are globally acknowledged. Moreover, she should ensure that these qualifications fulfill the prerequisites for licensing of the country she intends practicing in.

Several aspects viz., the living standards, language competency, preferences based on culture, as well as the job prospects play a key role in deciding which country is better. As asked by you, I would like to say that the UK, the USA, Australia, and Canada are some of the typical locations for one seeking a job in orthodontics.

The costs of living, tuition costs, as well as possible licensing and examination costs are associated costs included in pursuing a profession overseas that can be significant. I would recommend that on choosing the country for better future prospects, your daughter conducts a thorough study on particular costs as well as looks into various scholarships and possibilities for monetary assistance. Not just that, she should also check if she requires to undergo training or appear for certification exams to fulfill the requirements set by the country in order for her to be able to practice Orthodontics. The prerequisites for visa should also be taken into account by your daughter. Lastly, I would like to say that it can be an excellent decision to send your daughter overseas for better future possibilities. Nevertheless, to guarantee a smooth transition, a comprehensive study and meticulous planning is required.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Oct 16, 2023

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Sir, My daughter has completed MBBS from Ukraine. Is it ok to send her abroad to make future prospectus? what is your advice.. which country is better?, What is the cost involved?
Ans: Hello Yadav,

First and foremost, thank you for getting in touch with us. I am pleased to hear that your daughter has completed her MBBS from Ukraine. Concerning your query as to whether it is okay to send your daughter abroad, I would like to tell you that although it can be a wise decision and an excellent chance to send her to another country to either pursue further education or to start her profession, this decision should be well thought of. Next, to decide as to which country would be ideal, I would like to say that your daughter’s preferred field of study, her professional ambitions, the cost, as well as the linguistic preferences, play a prominent role in deciding this. On completing an MBBS degree, Canada, Australia, the USA, the UK, as well as several European nations are among the sought-after locations to pursue higher education.

The tuition fees, housing costs, costs of living, and other associated expenditures are all included in the cost to study overseas. Your daughter should take into account these costs. However, remember that based on the country your daughter decides to study in and her preferred university or course, these costs can differ. Moreover, to reduce the cost of studying abroad, a number of scholarships and possibilities for monetary assistance are available that your daughter should consider. I would recommend that your daughter conducts an extensive study on the universities and programs in the countries of her choosing, whilst taking into account the educational standards, employment prospects post graduation, as well as the immigration guidelines, prior to making an informed choice. Moreover, to receive useful advice based on your daughter's personal circumstances and goals, she should get in touch with academic advisors or career counselors.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Nov 08, 2023

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My daughter is doing BDS(Bachelor of Dental Surgery) in India, what are the opportunities BDS graduates from India in USA for Postgraduate studies and what are prerequisites for it?
Ans: Hello Venkata,

First and foremost, thank you for getting in touch with us. I am happy to hear that your daughter is pursuing her Bachelor of Dental Surgery (BDS) in India and is keen on pursuing her postgraduate studies in the USA. To answer your question first, I would like to tell you that although postgraduate studies in Dentistry can be pursued by BDS graduates in the USA, they will need to take into consideration certain requirements and things. The academic prerequisites put in place by the American Dental Association (ADA) as well as the Commission on Dental Accreditation (CODA) will need to be first fulfilled by them. This generally entails finishing a doctoral program in dentistry that is for a duration of 4 years, one that compares to a D.D.S. i.e. (Doctor of Dental Surgery) or D.M.D. i.e. (Doctor of Medicine in Dentistry or Doctor of Dental Medicine) degree in the USA.

Graduates of Bachelor of Dental Surgery (BDS) may be required to complete an Advanced Standing Program in a dental school in the USA which is for a duration of 2 years, in order to pursue postgraduate studies. I would like to tell you that these programs are intended to fill in the gap between dentistry education provided in other countries and one that if offered in the USA. Also remember that you daughter will be required to pass the IELTS or TOEFL English proficiency tests to demonstrate her English language competency, as well as the National Board Dental Examination (NBDE). In addition, she will also need to obtain robust endorsement letters from professors or employers and showcase pertinent work experience. As the entrance prerequisites for dental schools in the USA might differ, and as there may be fierce competition for these programs, I would recommend that your daughter conducts an extensive study on certain dental schools. Lastly, I would like to say that with commitment and through satisfying the mandatory prerequisites, securing admission to a postgraduate dental program in the USA is definitely attainable.

For more information, you can visit our website.
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Workplace Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 29, 2024Hindi
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Hi rediffguru, I am a 35-year-old working at a global advertising agency in Mumbai. In the past 12 years, I have consistently delivered successful campaigns and demonstrated strong leadership skills. However, despite my track record of success, I was passed over for a promotion to director of marketing. How can I take this up with my supervisors and HR?
Ans: Hey there, you marketing maestro! First off, major props to you for consistently smashing it in the advertising world for over a decade. Your track record of successful campaigns and leadership skills speak volumes about your talent and dedication.

Now, about that promotion snub—ouch, that stings! But fear not, my friend. It's time to roll up those sleeves and tackle this head-on.

Start by setting up a meeting with your supervisors and HR. Prepare a little arsenal of your achievements—maybe pull together some stats on campaign performance, client testimonials singing your praises, or even awards you've snagged along the way. Numbers don't lie, and they'll help paint a vivid picture of your impact.

Now, let's add a dash of strategy to the mix. Instead of just listing off your accomplishments, weave them into a compelling narrative. For instance, highlight that time when you spearheaded that viral social media campaign that boosted brand engagement by 200%. Or recall the project where your innovative ideas led to a record-breaking sales increase.

But don't stop there. Paint a picture of your vision for the future. Share your insights on emerging marketing trends and how you plan to leverage them to drive even greater results for the company. Show them that you're not just a top-notch marketer—you're a strategic thinker with big dreams and the skills to make them a reality.

And remember, even if this particular promotion didn't pan out, it's not the end of the road. Keep hustling, keep innovating, and keep believing in yourself. Opportunities are like buses—there's always another one coming. So buckle up, because your journey to success is far from over!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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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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