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Sushil

Sushil Sukhwani  |298 Answers  |Ask -

Study Abroad Expert - Answered on May 17, 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
Lakhbinder Question by Lakhbinder on May 16, 2023Hindi
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Sir, my son has just completed his 12 class in commerce stream. We wish to send him abroad for studies and permanent settlement there. Our focus is on Canada. Please guide us and tell us the valuable diploma courses in good colleges and fee structure and other costs. Also advise if we send him after the graduation.

Ans: Hello Lakhbinder,

Thank you for contacting us. It can be a thrilling opportunity to send your son to study and live permanently overseas. Owing to its excellent educational system and friendly culture, Canada is a popular choice for overseas students. You can plan by following the advice provided here:

1. Certificate Programs: In Canada, "community colleges" or "colleges of applied arts and technology" are where diploma courses are commonly offered. These colleges offer education that is both practical and career-focused. A few worthwhile diploma programs in the area of commerce include: Business Administration, Marketing Management, Supply Chain Management, International Business, Human Resource Management, Accounting and Finance.

2. Good Colleges: Numerous reputable colleges in Canada offer diploma programs and Bachelors. Several well-known organisations with programs in commerce include: Humber College, George Brown College, Seneca College, Sheridan College, Centennial College. Making an educated choice, however, requires thorough research and comparison of colleges based on their program offers, standing, professors, and campus amenities.

3. Fee Structure and Additional Costs: Depending on the institution, program, and location, the price structure and other charges may change. In general, tuition costs for international students will be greater than for domestic students. The typical yearly tuition costs for overseas students in Canada, as of the cutoff date in September 2021, range from CAD 15,000 to CAD 35,000, depending on the program and institution. Depending on the city and lifestyle, a person's annual living costs—which include housing, food, transportation, and healthcare—can range from CAD 10,000 to CAD 15,000.

4. Graduation vs. Diploma Courses: If your son has just finished his 12th grade, he might think about enrolling in a diploma program right away. In Canada, diploma programs are intended to give students specialised knowledge and skills for particular professions. But if you'd prefer that your son continue his education, he can earn his graduation (Bachelor's degree) in Commerce in India before looking into opportunities for postgraduate study in Canada, such as Post Graduation Diploma Program or a Master's or MBA.

It's important to take into account aspects like eligibility requirements, visa procedures, scholarship or financial aid choices, and employment opportunities both during and after studies when making the decision to send your son to Canada.

For the most recent information and advice on immigration laws, study permits, and settlement procedures, it is also advised to speak with an educational advisor or get in touch with the Canadian embassy or consulate.

For more information, you can visit our website.
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My son doing CTVS course. I want to know what are the higher studies available in india or abroad?
Ans: Hello EZHIL,

To begin with, thank you for contacting us. I am happy to hear that your son is studying Cardiothoracic and Vascular Surgery (CTVS) course. You would be glad to know that studying overseas can expose your son to other methods and viewpoints in the domain of cardiothoracic and vascular surgery (CTVS), in turn, providing him with a comprehensive education. Concerning your query, I would like to let you know that we only deal with overseas education and therefore, would only be able to suggest certain possibilities for higher education overseas.

Master of Science (MS) or Master of Surgery (MCh) programs in cardiothoracic and vascular surgery are offered by a number of foreign universities. Thorough instruction in both theoretical knowledge and practical abilities are offered by these programs. Next coming to fellowship programs, a number of prestigious medical institutions provide CTVS fellowship programs. Specialized training across a broad range of cardiothoracic and vascular surgery topics, including minimally invasive procedures, transplantation, and paediatric heart surgery are offered by these programs. Pursuing a Ph.D. in cardiothoracic and vascular surgery (CTVS) can be a desirable choice for individuals who are passionate about academics and research. With an emphasis on cutting-edge research approaches, these programs enable students to make innovative research contributions to the field. Electives or short-term observerships at prestigious medical facilities overseas can also be looked into by your son. These opportunities enable students to network with professionals in the area as well as provide practical exposure to cutting-edge surgical techniques. Coming to conferences and workshops, I would suggest that he participates in international seminars and conferences related to vascular and cardiothoracic surgery. These meetings provide chances to learn, hone skills, as well as connect with international experts.

I would recommend that your son conducts an extensive study taking into account variables viz., the syllabus, experience of the faculty members, possibilities for research, and opportunities for clinical exposure prior to selecting a university and program. Not just that, make sure the program you have chosen fulfills all accreditation requirements as well as resonates with your son's professional objectives.

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Hi Anu I am a 36 year old IT pro with a beautiful family (wife and 2 kids) 1 year back, i had a coworker (shes married but widowed with 1 kid) with whom i had to work on a project..we shared a good friendship and unfortunately on one occasion, under the influence of alcohol, i went overboard and had a deep sexual chat with her..it was mutual and the next day i really felt bad and apologized to her.she also said it was ok.. After that i avoided her but she kept on giving singals to continue the relationship, i sternly avoided her and pleaded with her in message and call to leave me..during the time of sexual chat, i never knew she was a widow else i wud not have done that..shes now harassing me and stalking me on social media..i really feel bad for what i did to her and am over ridden with guilt..she says lets be friends as she has no one to turn on to.. but i pretend to be as she still has that chat messages and if she raises an ombuds i will be out of the job..but worse of all, i do not want this to destroy my family life. I love my wife and kids and she wont take this easily if i disclose this to her .pls suggest a way out of this..i am really desperate..it was jus a chat and i am a train wreck now..
Ans: Dear Anonymous,
This is a bit messy...It could land you into a lot of trouble and obviously you didn't know that when you were chatting with her, right?
Avoiding her hasn't worked and the best thing possibly now would be to just be polite yet firm where she feels that she is not being snubbed. Also consider taking your wife into confidence as this will eliminate the chance of ruining your peace at home. Come clean and confess to your wife and request her to support you; of course she might give you a earful, listen to all of it.
You have a price to pay for the fun that you had that one time; so take it in your stride and tread carefully...be kind to the woman and be honest with your wife. You can only pray that this can keep you out of trouble.
And the next time you drink, kindly keep your phone away...

All the best!
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Hello mam , we are in relationship of total 3 yrs in which long distance is for 2 years we both have their colleges in different state now question arises to our mind about future that we both no we will do job in same location where we study we we both can't compromise to go to any other states as there is less opportunity as we both are in different field this is one of the problem and other is his parents are so strict and belongs to bhramin family they don't accept intercaste marriage even he don't want to step out from his home as he want to take care of his parents .and we are very sure that we don't want to compromise our careers . So how our marriage is possible ? Should we have to leave each other prior to the day comes or is there any solution to it which we both can compromise ??
Ans: Hmmm lets simplify this, what would you tell your friend if she comes and tells you that she has met someone wonderful BUT his parents will not accept her and he will make no efforts to make it work...I am assuming you will tell her to put this relationship on hold for sometime...which means putting it on hold with no interaction, stopping all interactions - giving him space and time to think about it...do this for 6 months to 12 months, this does not mean dating someone else. Here he needs to find a solution, if he does its a win-win, if he does not then he may not be someone she may wish to be in a relationship with...and in the meantime you are likely to ask her to focus on her career. My response to your query will be on the same lines.
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Hi Sir, My wife as sever pain in left foot at point where finger starts from foot. pain is like that some wound is there, but from outside its ok. could you please guide what can be cause for this and how to cure this. Thanks Sunil
Ans: Hello,

I'm sorry to hear about your wife's pain. The location you described, where the pain is at the point where the finger starts from the foot, could indeed be caused by various conditions such as corns or plantar fasciitis, as you mentioned.Corns are small areas of thickened skin that develop as a result of pressure or friction. They can cause pain and discomfort, especially when walking or wearing tight shoes. Plantar fasciitis, on the other hand, is inflammation of the thick band of tissue (plantar fascia) that runs across the bottom of the foot. It commonly causes stabbing pain near the heel or along the arch of the foot, but it can sometimes affect other areas of the foot as well.To determine the exact cause of your wife's pain and the best course of treatment, it would be advisable for her to visit a physiotherapist or a healthcare professional specializing in foot conditions. They can conduct a thorough examination, possibly including imaging tests if necessary, to make an accurate diagnosis and recommend appropriate treatment options. In the meantime, she can try some self-care measures to alleviate the pain, such as resting the foot, applying ice packs, wearing comfortable and supportive footwear, using over-the-counter pain relievers, and possibly using orthotic inserts or pads to reduce pressure on the affected area.I hope your wife finds relief soon.
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I am 25 years old and investing 2k in quant small cap, 2k in Nippon small cap, 1k in parag Parikh flexi, 1k in Motilal Oswal midcap, 1k in HDFC mid cap. Is it good for long term like 30 years. Plz advice me
Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to 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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