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Sushil Sukhwani  |318 Answers  |Ask -

Study Abroad Expert - Answered on Apr 20, 2023

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Ajoy Question by Ajoy on Apr 18, 2023Hindi
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My son has done his BBCA from MIT (ATSC affiliated to Pune University) and was placed with an MNC AMDOCS Pune where he would complete two years of job ex in Aug 23. We are of the opinion that he should do his masters from some good college in Australia, Ireland or Germany. 1. Which country would you recommend (is there widespread racism in the last mentioned?)? 2. Should he apply for a job in these countries and do his masters part time or study full time and work part time?

Ans: Hello Ajoy,

To begin with, thank you for contacting us. The following details could be useful:

1. The choice of a country for master's study depends on a number of variables, such as the standard of education, employment prospects, cost of living, and cultural milieu. International students seeking higher education often choose to study in Australia, Ireland, or Germany. Each country has its unique set of advantages and disadvantages:
• Australia: Australia, which is renowned for its excellent educational system and diversified cultural environment, places a heavy focus on research and innovation. While racism does exist in some Australian communities, it is not pervasive, and the majority of colleges have policies in place to support diversity and inclusivity.

• Ireland: Ireland is renowned for its extensive literary and cultural past, and its educational system is well-regarded. Racism does occur in some nations, including Ireland, however it is typically thought to be less pervasive than in some other nations.

• Germany: German universities are well-known for their robust engineering and technology programs, and several of them offer courses in English. Although isolated acts of racism and discrimination might happen anywhere, Germany has stringent laws against them.

When selecting a country for master's degree study, it's crucial to conduct extensive research and take into account a variety of aspects, including racism. It is advised to speak with current students, former students, or academic advisors to better understand the cultural setting and experiences of international students in these nations.

1. Depending on his individual circumstances, aspirations, and master’s program requirements, your son should decide whether to work part-time while pursuing his degree full-time or the other way around. While some master's programs may be rigorous and need full-time dedication, others may allow flexibility for part-time employment. Prior to making a choice, it is crucial to thoroughly evaluate the prerequisites and workload of the master's program, as well as your son's career objectives and financial position. Furthermore, acquiring a job in a foreign nation may be contingent on issues such as language skills, work permits, and employment market conditions, all of which should be considered. Consultation with academic advisors, career counselors, or immigration advisors can provide valuable guidance in making this decision.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |318 Answers  |Ask -

Study Abroad Expert - Answered on Sep 22, 2023

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Dear Sushil ji, My son is doing Computer Science from VIT vellore and is 3rd Year Student. Please advise whether he should go abroad for the Masters and location whether Germany will be advisable . Kindly provide the input .
Ans: Hello Sanjay,

To begin with, thank you for contacting us. Your son’s future ambitions, financial status, and personal choices, play a key role in deciding if he should travel overseas to pursue a Master’s degree in Computer Science, and if Germany is a favorable study destination. When deciding, take into account the following factors:
1. Career Objectives: Consider if your son has set career ambitions that can be accomplished by studying a master's degree abroad.

2. Academic Prowess: An exceptional academic record can enhance your son’s chances of getting into prominent foreign universities. Take into account his academic success in the program he is currently pursuing.

3. Financial Condition: Studying overseas can be a costly affair. Investigate your financial capacity and the costs related with studying in Germany or any other country. Look into the available scholarships, financial aid, and part-time work opportunities.

4. Choosing Programs and Universities: Conduct extensive study and pick programs and universities that resonate with your son’s educational and professional interests. Search universities that have robust Computer Science departments and research possibilities.

5. English Language Competency: Although there are a few English-taught courses, Germany mainly offers programs in the German language. You on studying in Germany or any other non-English-speaking country, make sure he possesses the required language abilities.

In addition, your son should get to know the visa and immigration prerequisites for the country he intends studying in. For instance, Germany has a fairly simple student visa procedure for international students. Enhanced networking possibilities are offered in the tech sector by some countries over others. Investigate the labor market and links your son can form during the duration of his Master’s course. Also, take into consideration if your son is ready for the societal and cultural changes that come with pursuing overseas education. This involves adjusting to a new setting, building friendships, and getting to know the local culture. Look into the available post-study employment opportunities in the country you have chosen to study in. Taking into account both, the cost of studying and the long-term professional advantages, consider the possible ROI (Return on Investment) of pursuing a master's degree overseas.

Owing to its exceptional system of education, research possibilities, and a friendly environment for international students, Germany can be a top option to pursue a Master's in Computer Science. To make an educated choice, carefully examine each factor and get in touch with career counselors and academic consultants. Your son should also examine particular programs and universities in Germany to make sure that match his objectives and interests.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |318 Answers  |Ask -

Study Abroad Expert - Answered on Apr 02, 2024

Sushil

Sushil Sukhwani  |318 Answers  |Ask -

Study Abroad Expert - Answered on Apr 18, 2024

Asked by Anonymous - Apr 18, 2024Hindi
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My son is 24 years ,bcom and acca affiliate working for 18 months, wants to higher studies ,which country and course will be good for him
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that your son has completed his BCom with ACCA and now wishes to pursue higher studies. To answer your question first, I would like to tell you that a number of variables viz., your son’s interests, the location of his choosing, his economic condition, as well as his professional objectives, play a key role in selecting the ideal country and course for his higher education. I would recommend that you take into account the following:

As an answer to your query pertaining to country, I would like to let you know that the UK, well-known for the robust accounting and finance programs it offers, provides a broad range of possibilities for further education, including prominent colleges and universities. Coming to Canada, the country is renowned for its top-tier educational system and friendly atmosphere for overseas students. It is home to a number of universities offering reputed business and accounting programs. Numerous elite universities offering outstanding business and finance programs are located in the USA, providing a myriad of opportunities for international students. For overseas students looking to pursue degrees in accounting and finance, Australia is another sought-after study abroad destination. The country has a robust economy as well as an outstanding educational system.

Concerning your query as to which course will be good for your son, I would like to let you know that he can choose among the courses mentioned below: He can choose to pursue a Master of Science (MSc) in Accounting and Finance: Concentrating on accounting and finance, a specialized master's degree can offer comprehensive knowledge and abilities that are pertinent to your son's professional objectives. Next, based on your son’s professional aspirations, he might choose to pursue professional qualifications viz., CFA (Chartered Financial Analyst), CPA (Certified Public Accountant), or ACCA (Association of Chartered Certified Accountants). Your son can also opt for a Master of Business Administration (MBA) degree. For students looking to further their financial and business professions, this is a preferred option. Specialized MBA programs in finance and accounting are offered by a number of universities.

I would suggest that your son conducts an extensive study on and takes into account variables viz., the program’s standing, accreditation, living expenses, post-graduation employment prospects, as well as the possibility of acquiring a work visa or immigration upon graduating. Moreover, in order to gain meaningful information and acquire guidance when making this crucial choice, I would recommend that your son gets in touch with educational counselors, employment consultants, as well as experts in the subject.

For more information, you can visit our website.
(more)
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Maxim

Maxim Emmanuel  |171 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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I passed MD in 2023 i did senior residency for 5 months then due to family reasons i discontinued and started doing a private job in small 30 bedded hospital light job less emergency calls and 10 min drive . Now iam offered senior residency in a medical college which is far away 40 min drive form city. Should i finish my sr ship which is going to be very very hectic or should i not? and continue working in private (there is no monetary benifit both jobs are paying me same ). Which is better in future
Ans: Interesting question Dr. being a Doctor of Medicine,you are a specialist, but as you state theres a family reason,that made you discontinue your senior residency with in 5 month's.

Now let's understand the current situation you are in a comfortable situation and the family situation seems settled .

I see you are now offered Senior Residency which you can complete being a Senior Resident in not exceeding 3 years, which you can certainly complete it anytime,peacefully before completing 45 year's.

Now the conclusion it absolutely does not make sense taking the high pressure & hectic assignment for no monetary benefits.!? for the profits of the medical college.. Absolutely NO!

The future is peace of mind, I say this with great confidence of high pressure situations.. Life is longevity of living it well, minus the stress

Your time will come ...settle down my boy settle down..

Here's the Lyrics ..

Settle down, an eat your peas and gravy, my boy
Settle down, settle down my boy settle down
Stop wasting all your time with running around the town
Settle down, settle down my boy settle down
Knuckle down and find a job and take some responsibility
Settle down, settle down my boy settle down
The future's something you should be thinking about
Settle down, settle down my boy settle down
Look around for a wife to start a family, my boy
Settle down, settle down my boy settle down
Listen toy our father and he'll tell you the same as me
Settle down, settle down my boy settle down
Your words would go in one ear and out the other side
Don't say my head was empty and I had things to hide
And you better put something away for your old age
So settle down, settle down my boy settle down
Settle down, settle down my boy settle down uh huh huh

Source: LyricFind
Songwriters: Ron Strykert
Settle Down My Boy lyrics © Sony/ATV Music Publishing LLC

Do listen to the song.. Chill out!
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Archana

Archana Deshpande  |23 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Hi, Im a 23 year old mechanical engineering graduate, currently unemployed, I am feeling to do some progress everyday, but day after day, nothing changes, I cant figure out what to do with this life and feeling very much lost, Cant think properly on doing what changes my life?
Ans: Hello!!

This information you have shared is not enough to understand what is that you are exactly wanting right now.
Let me see how I can help you. First of all extend your arm and pat yourself on the back for completing your engineering. You are a mechanical engineer!! Celebrate the fact and feel good about yourself.

I like the fact where you say "I am currently, unemployed", this can change soon, look out for opportunities, keep attending interviews, prepare well, ask for help, give it your best shot. Treat every failure as part of a learning process in becoming better next time. Surround yourself with positive and encouraging people.

Till you find a job, live life well on a day to day basis-
1. wake up early
2. exercise
3. eat well and sleep well
4. dress well at home too, don't be in your pyjamas, you should be in such a state that if someone asks you to come for an interview right away, you must be ready
5. beware of negative self talk... nip negative thoughts in the bud
6. looking for a job is your full time job, keep looking
7. be helpful around the house if you are living with your parents
8. till you find a job keep learning and building on your skills
9. volunteer to teach and help the less fortunate lot
10. do not sit idle, keep your body and mind active

Constantly invest in activities that ensure your physical, mental, emotional and spiritual well being!! Have rituals that focus on these four pillars of your life!

Blessings and all the very best!!
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Maxim

Maxim Emmanuel  |171 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 25, 2024

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I want career guidance for my son studying in 10th grade in CBSE pattern. He usually secures 85% overall. He stays confused in which stream to choose further. He usually gets good marks in Maths, Physics and Chemistry. He has an introvert personality. He likes playing xbox and cricket and also pursing Keyboard music classes under Trinity Music school certification program. He follows US youtube channels like Dude perfect, Mr.Beast etc and likes exploring latest tech gadgets or mobile apps or mobile features etc. He sometimes like watching Shark tank India episodes etc, but he can't understand the business discussion part. Please suggest which career stream which will suit him well. Thanks.
Ans: I have read your personal evaluation of your son as a doting parent.
I can only advice based on the observations made by you.

In these situations these are called reactive counselling which will not be accurate simply because I haven't heard from the incumbent.
The child is talented and has a creative mind too with the music school certification too!
The mind is experimental looking for new creative challenges.

The career stream should be based on the candidates acumen and aptitude.
Prima facie you have knocked out business and commerce based on your statement can't understand business ...!

Synopsis:gets good marks in Maths, Physics and Chemistry

So science stream is suggested, however need to meet candidate for professional career counselling.

All the best in the most important decision!
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Archana

Archana Deshpande  |23 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

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My son 14 yrs old studying in a best cbse english medium school but always have 50 to 60% marks. now he is in 9th class . what should be do for his future ?
Ans: Hello Mr Mukesh!!
Your son is lucky yo have a father who sends him to the best school. He is getting a good foundation. Investigate why he is scoring less. What do his teachers say about him? As a parent how do you evaluate your child? What is his level of understanding in each subject? Where does his interest lie in? Is he consistent with his studies, does he study regularly on a day to day basis? Remember you become a master in what you repeat, revising and recalling is also a very important part of studies to score good marks.

If your son's focus is good and intelligence levels are average, then he can score well with regular studies. Ensure he revises whatever is taught in the school everyday. Also check with him if he understands whatever is taught in the school. Your son is 14, he is a big boy now and can participate in problem solving. Involve him in decision making and empower your son. Let him participate in the process of he scoring good marks, every child wants to do well. Some children can study for an hour and score well, some children need to put in a little extra to score well. See if his score can be improved by having a home tutor. Make studying, gaining knowledge and scoring well a enjoyable, positive experience!

Best wishes to you for positive parenting and best wishes to your son for scoring well!!
(more)
Archana

Archana Deshpande  |23 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hello sir, im a married business women running my own store but after i become a mother ,my business is going in loss. Is it im not will balancing between motherhood and business. Please give me some advice.
Ans: Hello!!
You are a married business woman and now you are a mother too!! Congratulations!!
There was a time in the world when a woman was revered just because she was a mother, she carried humanity forward, that in itself was a big responsibility. It is time to put the mother back on the pedestal.....in India they say giving birth, is like a 'punarjanam', rebirth for a woman. Don't you deserve some rest at least for 40 days before you start thinking of your business and all. Your body has undergone a lot during pregnancy and birth of your child. Rest a little, heal well and then get back to work. You deserve it!!

Now the action plan for you to perform the dual responsibility of a mother and a business woman with grace ..
Your baby totally needs you for the first 6 months because you need to breast feed her. Gradually get her used to other care givers. Build a good support system at home as well as at your store. Earmark an area at the store and at your home which can work as home/office. Don't feel guilty about carrying your baby to the office, remember how the New Zealand ex-PM Jacinda Ardern, carried her new born to the parliament?
It is a balancing act between the two... motherhood and business woman, it'll take time and you'll eventually learn it. Give yourself sometime, don't beat yourself down if there is a little loss now in your business or blame motherhood for the loss. With a new born your schedules will go haywire for sometime. Soon you and your baby will settle down into a routine, you'll have to work for that. Be very flexible, flow like a river for sometime, with your mental peace as the centre.
Don't try to do everything by yourself, delegate, seek help.

List out what is important for you in life. Have every task laid out on paper, plan and schedule activities, this one act will bring in a lot of peace to you. You'll never ever feel overwhelmed. Prioritize all tasks on a scale of 1 to 5. Keep your targets simple and doable on a day to day basis.

In between being a mother and a business woman, take care of yourself too!! Sleep well, eat well, 20 mins of physical activity and doing one thing that brings you joy( it can be as small as looking at the sun set or sipping your chai peacefully) on a daily basis will give you the strength to perform your balancing act.

Loads of blessings and best wishes!!
(more)
Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

Asked by Anonymous - Mar 19, 2024Hindi
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Hello Sir.I am 30 year old from Kolkata,I have been investing in Mutual Fund for SIP of Rs.5000/- monthly since October 2021 with a plan for long term investment.My Portfolio has this equity diversification i.e.Axis Focused 25 Fund Direct Plan Growth,Mirae Asset Large and Mid Cap- Direct Growth plan,Nippon India Small Cap Fund Direct plan growth,HSBC Small Cap fund Direct growth plan and SBI Small Cap Fund Direct Plan Growth. All these all together have accumulated alongwith profit and loss amount of Rs.152000/- .Now whether can i withdraw profit amount only and invest in lumpsum to different fund manager without stopping existing SIP? Also suggest me good portfolio with good return over long term.Please Sir Thanks and Regards Praveen Das
Ans: Hello Praveen,

It's great to see your proactive approach towards long-term investing at 30. Building a diversified equity portfolio through SIPs reflects a disciplined savings habit and a focus on wealth creation.

Regarding your query about withdrawing the profit amount and investing it lumpsum in a different fund without stopping the existing SIPs, it's absolutely feasible. You can choose to reinvest the profit amount in a lumpsum in a different fund manager while continuing your SIPs. However, before making any changes, consider the tax implications and exit load, if any, on the profit amount.

Now, for suggesting a portfolio with good returns over the long term, it's essential to have a balanced approach with exposure to various market segments. Given your existing holdings, you might consider adding a large-cap or flexi-cap fund to provide stability to your portfolio. Additionally, having exposure to international funds or thematic funds can provide diversification and potentially enhance returns.

A Certified Financial Planner can offer personalized advice, analyzing your risk profile, financial goals, and investment horizon. They can guide you on optimizing your portfolio, ensuring a mix of funds that align with your objectives and risk tolerance.

Remember, investing is a journey, and staying invested with a long-term perspective while periodically reviewing and rebalancing your portfolio can help you achieve your financial goals. Best wishes on your investment journey!
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Pabak Asked on - Mar 16, 2024 I am 70, my wife 56, have a working daughter 25, yet to get married. I have a corpus as follows: Please advise how to re-arrange my savings to generate 35K pm. Daughter's marriege budget is 20 lakh. Presently invested in wife' head Rs. 30lakh in post office TDs laddered for matyrity from 2025 in 4 years( 7Lin 2025, 13Lakh in 2026, 6.5 lakh in 2027 and rest 3.5 lakh in 2028. In my head: SCSS Rs 30 Lakh . In Ujjivan Bank FD 10 Lakh, In running PPF with contribution Rs. 35 Lakh. Total 1.05 Cr. Further I have 9 Lakh in MIS jointly with wife. Regards,
Ans: Hello Pabak,

Firstly, it's commendable that you have a structured approach towards managing your savings at 70. Your concern for your daughter's marriage and planning for a regular income is indeed thoughtful.

To generate 35K pm from a corpus of 1.05 Cr, a withdrawal rate of approximately 4% annually would be required. However, considering your daughter's marriage budget of 20 lakh and other financial commitments, it's essential to strike a balance between growth and liquidity.

Given the laddered maturity of post office TDs, it aligns well with your near-term requirements. However, to optimize returns, you might consider diversifying a portion from SCSS and Ujjivan Bank FD into debt funds or conservative balanced funds. This can potentially enhance returns while maintaining liquidity.

Your PPF contribution of 35 lakh can continue to grow, providing a tax-efficient and secure avenue for long-term savings. Additionally, the 9 lakh in MIS jointly with your wife can be a source of regular income.

A Certified Financial Planner can offer personalized advice, analyzing your financial landscape, and suggesting adjustments tailored to your financial goals, risk tolerance, and investment horizon. They can guide you on optimizing your portfolio to meet both short-term and long-term financial needs, ensuring a balance between growth and income.

Remember, a well-structured financial plan not only meets your financial goals but also offers peace of mind, allowing you to cherish moments with your loved ones.
(more)
Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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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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