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Sastra CSE vs. SEM AP CSE: Which is the Best?

Dr Dipankar

Dr Dipankar Dutta  |679 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Aug 01, 2024

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Abhi Question by Abhi on Aug 01, 2024Hindi
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Career

Which is better CSE at sastra or CSE at SEM AP

Ans: CSE at Sastra University (SASTRA)
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Radheshyam

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

Asked by Anonymous - Nov 08, 2024Hindi
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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.
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Ravi

Ravi Mittal  |402 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024
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I (27M) am well Educated & well settled in a High-paying Job. Tall, Handsome & Fit. I am a Sociable & Outgoing person, but I never had a Girlfriend because I believe in having an Arranged Marriage with a Girl from the same Community, who's Family background is known to Parents. I strongly believe in abstaining from any kind of Sexual Intimacy until I get Married, due to my Personal, Moral, Ethical, Emotional as well as Religious & Socio-cultural Values. I'd want to experience even my First Kiss, only after getting Married to my Life Partner. And obviously, I expect my Future Life Partner also to Share similar Values. I cannot settle for Marriage with a Girl who had Pre-marital Sex (or even Kissed) anyone else in a Romantic Relationship, prior to Marriage. I would Reject such a Girl, however Beautiful, Well-Educated & Well-Earning she might be (all other Qualities being Subjective). Now, my Family has started looking up suitable Brides for me, within my Community. The Problem is that most Girls of our Community, in this Generation, are Well Educated & Financially Independent, staying in Cities, away from Parents & most of them, probably had Romantic Relationship(s) & experienced Physical Intimacy, at any Base Level. I know this by closely observing & discussing with many Girls of my Community (including my Female Cousins, Female Friends & Neighbours etc). They all are ridiculing me for my Preferences & advising me to forsake my Values, as they are Outdated in this Age. Now, I am Worried that I might never get to Marry a Girl who shares my Values. My greatest Fear is not ending up Unmarried, but getting Married to a Woman who lies about her Past (I consider it as Cheating). Can you please advise me on, how can I be absolutely Sure that a Girl is an Un-Kissed Virgin? How do I bring up this topic with any Girl before Marriage & ask her, without coming off as Creepy? How can I be Sure whether the Girl is being absolutely Honest about her Past or not? What are some other ways to find out about the Past of a Girl, apart from having an open conversation with herself? Please advise me regarding this, my Heart is not letting me foresake my Values, which are my Core Principles. I am willing to compromise on some other Qualities i.e., I'd happily settle down with a Girl who's Below Average in terms of Looks, Education & even Unemployed, as long as I can be Sure that she's an Un-Kissed Virgin. How can I be absolutely Sure of that?
Ans: Dear Anonymous,
You don't have to forsake your values based on others' opinions of it. If it makes you happy, you should stick to it. Having said that, you cannot force the same values on others. I understand you want a partner who has a similar mindset. The only way to get what you want is an open conversation- when you speak to a match, you can open up about your outlook and clear it from your end that you want the exact same values in your partner and politely request them to reject the alliance if she has any past relationships or has been intimate with anyone in any form. Let her know that you are not judging her, but this part is very important for you. Make it about yourself, because it is. Do not let the woman feel that there is some flaw in her, or start investigating her past.

Now, coming to your other query, how to be absolutely sure that she is telling the truth about her experiences- there is no such technique. You have to trust her. Moreover, you should understand that as much as you believe your values are important, trust in your partner is equally important in having a healthy and happy relationship. While you work on finding the partner of your choice, work on having a little more faith in people.
Hope this helps.

Best Wishes

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Dr Shakeeb Ahmed

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Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

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

Money
Hello Sir, I am now 45+ now and investing through sip since last 5 yrs in 1) 3k in sbi small cap, 2) 4k in axis small cap, 3) 3k in nippon small cap, 4) 4k in mirea asset emerging bluechip, 5) 6k in hdfc mid cap, 6) 4k in kotak flexi cap, 7) 6k in parag parikh flexi cap, 8) 4k in icici pru value discovery. Risk high and tenure 15-20 yrs for asset allocation. Sir is it necessary to change any fund?
Ans: you have built a diverse SIP portfolio with various equity funds. Your disciplined investment over the last five years shows commitment to wealth building. With a high-risk tolerance and a long-term goal of 15-20 years, let’s take an in-depth look at your fund choices. I’ll provide insights to help you optimise this portfolio further.

Strengths of Your Current Portfolio
Good Diversification: Your portfolio includes funds from small-cap, mid-cap, flexi-cap, and value categories. This spread across segments is a strong approach to capture growth across the market.

Discipline in SIPs: Regular SIP contributions show a systematic approach that will help in rupee-cost averaging. It’s a proven method for long-term investors like you.

High-Risk Appetite: You are investing with a long horizon and high risk tolerance. This aligns well with your fund choices, especially in high-risk categories like small-cap and mid-cap.

Reviewing Small-Cap Fund Exposure
Current Allocation: Your portfolio allocates Rs 10,000 per month to small-cap funds. These funds often offer high growth potential but also come with significant volatility.

Growth Potential: Small-cap funds are beneficial in long-term portfolios due to their high potential for growth. Over 15-20 years, they can contribute significantly to wealth creation.

Suggested Changes: With three small-cap funds, there may be a lot of overlap. You might consider consolidating into one or two well-performing small-cap funds. This will simplify tracking and reduce redundancy.

Examining Mid-Cap and Flexi-Cap Fund Allocation
Mid-Cap Fund Benefits: Mid-cap funds bring a blend of growth and moderate stability. Your allocation here balances the aggressive small-cap investments.

Flexi-Cap Fund Role: Flexi-cap funds invest across large-, mid-, and small-cap stocks. This flexibility allows these funds to adjust according to market conditions, adding a layer of adaptability to your portfolio.

Suggested Changes: Your portfolio has multiple flexi-cap funds, which can lead to overlapping investments. It may be beneficial to reduce your holdings to one high-performing flexi-cap fund for better portfolio efficiency.

Value-Oriented Fund’s Contribution
Role in Stability: The value fund in your portfolio targets undervalued stocks, which tend to be more resilient in market downturns. This can provide balance and act as a buffer against volatility.

Long-Term Benefits: A value-oriented fund adds stability, which is essential as your portfolio matures. The approach of investing in undervalued companies often pays off well over time.

Suggested Changes: Keep this fund as it provides a different investment strategy, enhancing overall diversification.

Importance of Actively Managed Funds Over Index Funds
Higher Potential Returns: Actively managed funds can outperform index funds by selecting high-potential stocks and avoiding weaker sectors.

Limitations of Index Funds: Index funds track the market and have limited potential for excess returns. They cannot adjust to economic shifts like active funds can.

Benefit of Advisor Guidance: Regular funds managed with the help of a Certified Financial Planner (CFP) add value. A CFP can guide you on fund selection and rebalancing, which index funds do not offer.

Advantages of Investing Through a Certified Financial Planner
Personalized Advice: A CFP can help you fine-tune your portfolio to better match your goals, risk profile, and timeline. Direct funds lack this support, making regular funds a better choice for most investors.

Portfolio Monitoring: Regular funds with CFP assistance offer ongoing review and monitoring. This is important for a long-term investment strategy.

Support for Future Adjustments: Market conditions and personal goals evolve over time. Having a CFP ensures you have guidance to adjust your investments accordingly.

Tax Implications on Your Equity Mutual Funds
Equity Mutual Fund Taxation: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Tax-Efficient Withdrawals: Consider planning your withdrawals in a tax-efficient way. For a long-term horizon, tax efficiency will contribute significantly to your net returns.

Impact of New Tax Rules: Understanding tax implications can help you plan more efficiently for your post-retirement withdrawals, minimising tax impact on your returns.

Recommendations for Portfolio Optimization
Reduce Fund Overlap: Your portfolio has multiple funds in similar categories. Streamlining these will make the portfolio easier to manage and reduce redundancies.

Consider Asset Rebalancing: Review your portfolio’s asset allocation every two to three years. As you near retirement, adding some low-risk debt or balanced funds could provide stability without sacrificing growth.

Explore the Benefits of Balanced Funds: Over time, a small allocation to balanced funds could help mitigate volatility as you approach retirement age. These funds offer a mix of debt and equity, which balances risk and growth.

Final Insights
Your disciplined approach to SIPs and fund selection shows a strong foundation for future growth. Simplifying your fund categories and reducing overlap can improve efficiency and returns. Working closely with a CFP will ensure that your portfolio remains aligned with your goals over time, providing you with the guidance needed for adjustments as markets evolve.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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