I am 38 year, Female widow with one child (6 year) I cleared B.com in year 2012, currently working in CA firm as accountant (from 2021). I am not getting enough salary.. But due to age and child responsibilities.. I am not getting any job better than my current job. so, I am looking for the work from home or business without any investment.. Please advise

Ans: Hello;

You can't withdraw NPS corpus at this age.

If you insist for withdrawal then 80% will go into annuity and only 20% will come to you.

But NPS is much better compared to any pension plan of any insurance company.


So continue with NPS is my suggestion.

Best wishes;
X: @mars_invest

Ans: Dear Anonymous,
As a mother you are only trying to protect your son. So, find what you can on this woman and yes, your son needs to be shown that he is just being played and is another one of her 'boys'. Maybe then he will come to his senses. In the meantime, as a family try to surround him with love and a lot of care. He is only experimenting outside by rebelling at home OR he could very well be searching for some validation and attention outside. Give that attention to him at home and that will help him circle right back.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
if you live your life with ifs and buts, that's exactly how your life will turn out; always tentative and with a lot to worry about. Does your past define how things must be now for you? You have changed and also know how to handle things when they don;t go your way. So, no point in doubting things and wondering if they are meant for you or not. It's matter of moving ahead with confidence and also understanding that not everything will work but somethings will and that's good enough. So, be out there and I am sure that someone like-minded will hit it off with you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Yes, you can move forward with a Bachelor of Dental Surgery (BDS). However, to practice and obtain a license, you need to follow the guidelines of the respective country. For example, in the United States, licensure requirements are established by the state board of dentistry, also known as the board of dental examiners or licensing board. While these requirements vary by state and territory, all licensure candidates must meet three basic criteria: educational requirements, a written examination, and a clinical assessment.

1. **Educational Requirement:**
Nearly all states require a Doctor of Dental Surgery (D.D.S.) or a Doctor of Medicine in Dentistry (D.M.D.) degree from a dental education program accredited by the Commission on Dental Accreditation (CODA).

2. **Written Examination:**
All U.S. licensing jurisdictions require applicants to pass the Integrated National Board Dental Examination (INBDE). This examination, developed in response to changes in educational curricula and instructional methods, was launched in August 2020 and replaced the National Board Dental Examination (NBDE) Parts I and II.

3. **Clinical Assessment:**
Most U.S. licensing jurisdictions require applicants for dental licensure to undergo a clinical assessment. Many state boards of dentistry rely on third-party testing agencies to administer this assessment, and acceptance varies by state and territory.

To migrate to a specific country, be sure to collect detailed information from the respective health department's website.
All the best.

Poocho. Life Change Karo!

Ans: Hi Sir,

Don't worry. First, it's important to counsel him.

The health sector is a promising field, which is why I believe your son is so determined to appear for the NEET exam, even though this will be his fourth attempt. It’s natural for him to feel a bit worried. I think he needs to reflect on why he hasn't been able to succeed so far. It's crucial for him to analyze where the problems lie. For example, if he's struggling with chemistry, he should focus more on that subject, as well as the others he finds challenging.

He has a lot of homework to do, including taking mock tests and learning effective strategies rather than just simple ideas.

I have one question: Has he enrolled in any study or coaching center for NEET preparation? If so, it would be beneficial to discuss ways to improve his performance.
If he has prepared himself, kindly approach the best coaching center near your area. For more information about us, you can contact the admin.

Poocho. Life Change Karo!

Ans: Most coaching centers typically upload the answers on their websites. You can also check the official NTA website to verify and compare your responses. All the Best for Your Prosperous Future.

Follow RediffGURUS, to know More on 'Careers | Health | Money | Relationships'.

Ans: Hi,

Greetings.

It's quite challenging to provide a definitive answer. Tuition fees are set by the central government and depend on the quota, while additional costs (such as hostel accommodation and food expenses) are determined by each individual college. These fees can vary significantly from one college to another. The fee structure is based on the needs of the candidates as well as the cost of living in the city where the college is located.
This applies (fees fixation) not only to medical colleges but also to other institutions.

Ans: I understand that navigating tax implications can be tricky. Since you acquired HDFC Bank shares on a rights basis in 1995 and have experienced stock splits in 2011 and 2019, the merger with HDFC Ltd adds another layer of complexity.

To determine the tax you'll need to pay upon selling your shares, you'll need to consider the following:

Cost Basis: Calculate the original cost basis of your shares, including any additional shares received from the stock splits.

Current Market Value: Determine the current market value of your shares at the time of sale.

Capital Gains: Subtract the cost basis from the current market value to find the capital gains.

Holding Period: Since you've held the shares for over 20 years, they qualify as long-term investments, which typically have a lower tax rate compared to short-term investments.

Tax Rate: The long-term capital gains tax rate for equities in India is 10% if the gain exceeds ?1 lakh in a financial year.

Ans: in long run even your existing mutual fund is better, why are you switching so fast???