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Ramalingam

Ramalingam Kalirajan  |10870 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Faiz Question by Faiz on Jun 12, 2025
Money

Sir, Thanks a lot Sir ... The information you provided was excatly what i needed Regards Faiz

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Career Counsellor - Answered on Sep 09, 2024

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Sir, thank you very much for your guidance. Much appreciate the quality inputs. May I request for the link / copy of one year before ‘lengthy’ answer (unable to trace back); that would be of much helpful! Kind Regards
Ans: 1) Visit the college campus & your CSE Department. Spend around 2-3 hours, if the college has not yet opened. 2) Check the reviews/do thorough research about the college in Google/Quora. Please note, no college can be 100% perfect and the perception/opinion of the students about the college differs from one another. Keep in mind any negative evaluations of universities, but avoid making predetermined conclusions until you get them validated after joining the college, as the internet is flooded with information with differing opinions. 3) If the course curriculum is available on the college’s website, go through it. 4) Try to research your favorite subjects in Google / YouTube / LinkedIn etc. till college opens. 5) Now, create your professional-looking LinkedIn Profile. 6) It is advisable to create a new professional email ID (preferably Gmail ID) like ‘ravikant_btech or ravikant_tech or ravikant_cse_tech’ etc. (for LinkedIn/Job Applications/Certificate Courses) INSTEAD of using the same personal email ID that you might be having already. 7) You can provide your email ID to the college if it stresses for the same ID when you applied for the college No issue. 8) Have a limited/like-minded friends circle though you can interact with all the students of your classroom. 9) Involve in co/extra-curricular activities, related to your domain or which will be of your interest. This will help you in the long run for Campus Interviews/Abroad Education etc. 10) Avoid skipping any classes and take notes, provided by the Faculties. Class notes are more important for all tests/exams in your college. 11) Have a good/professional relationship with all faculties of the CS department. 12) Create a separate note-book for doubts for each subject. 13) Whenever doubt-clearing sessions are conducted, fully utilise them and get all your doubts cleared and note down to avoid 11th hour pressure before each test/exam. 14) Important: Maintain a decent SGPA/CGPA of 8.5 and above without any backlogs/arrears. 15) After 1st Semester is over, start learning and/or upgrading new skills from NPTEL, LinkedIn, Coursera, Upgrad, Internshala etc. and / or recommended by your faculties. 16) Once you complete the online/offline short-term courses & get certificates, immediately update them in LinkedIn. 17) MOST IMPORTANT: Put job alerts in LinkedIn, related to your domain (CSE), get notifications, go through the JD (Job Description) of each job vacancy to know the job market trends and prepare yourself for the same. 18) Whenever you get an opportunity, interact with the 2nd to 4th year students & get their advice which will enable you to plan after completing each academic year. 19) Whenever Campus Recruitments are taking place, if time permits, interact with the last year students after they attend the interview, to know about the assessment tests, interviews, group discussion, selection process & companies visited. 20) Placement cell of most of the colleges displays the names of the recruiters/companies visited during the last 3-years. Whenever time permits, do a research about each company by visiting its website. 21) It is advisable to start preparing for assessment tests of Campus Recruitment, once you enter into 4th year. 22) Decide in advance in 4th year itself, whether you want to go for the job after your BTech or to pursue your Masters in India or Abroad. 23) If decided for Masters, start preparing well for Entrance Exams/IELTS/TOEFL/PTE etc. whichever is applicable. 24) Before approaching an Abroad Education Consultant, conduct thorough study on the countries and universities you are interested in. 25) Please note, your college cannot arrange to provide internships for all students. If you get, well and good. 26) If not, you should start trying through LinkedIn, Internshala, any other Internship platforms, or through your parents/their colleagues in any of their companies for Internship (instead of relying only on your college). 27) As far as the Campus Interview is concerned, prepare a good/professional-looking Resume just in 1-page as you will be a fresher. Use ‘cultivatedculture’ Resume Building Platform which is very user-friendly and free also. 28) To prepare for the online or offline interview, prepare yourself with Mock Interviews using your mobile phone with the help of your family members/friends. Conduct at least 10 mock interviews, correcting yourself in each one for your responses to the questions as well as your body language. 29) Preparing around 20-25 technical / non-technical questions & answers for the same in advance will further boost your confidence when you face actual interviews. 30) When applying for campus interviews, prioritize organizations with job descriptions that fit your profile, hobbies, credentials, qualifications, location, job title, and company reputation. 31) However, have Plan B & Plan C if campus recruitment does not work out. I Hope, I have covered almost all aspects with value-additions. I am supposed NOT to provide any direct link here. Please visit Coursera, UpGrade, Internshala etc., go through the Courses available and make your son join. It is also advisable to seek guidance of his College Faculties who are the first best sources to provide information on this.

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Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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Ravi

Ravi Mittal  |676 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi
Relationship
My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.
Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

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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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