Hi i have completed my graduation in microbiology and then dud clinical research course then i was working as crc. After marriage, i couldn't pursue my career, i haveva career gap I have started learning music, have given 3 Classical exams I am confused about should i pursue career in music or any course that will give me part time job Pls guide me

Ans: You should go for Computer Engineering at Thapar, Patiala. Faculty is the most important criteria, but there are many other criteria like infrastructure, management, accreditations, industry connection, placement etc.

Ans: Issuance of bonus share does not invoke any tax liability. It is treated as shares acquired on date of allotment at zero price. Whenever you sell these bonus shares the LT/ST CG liability will come into play based on your holding period. Regarding Jio Finance demerger from RIL, it was a part of RIL business which they have now separated therefore for eg. if your buy price of RIL share is Rs.100 per share then you need to apportion this cost between the two after demerger, in the ratio as communicated by RIL to regulators, and record that as your cost of these shares on the date you purchased original RIL shares. Let's say it is 95 & 5 so your acquisition cost of RIL share shud be shown as 95 and cost of acquiring Jio Finance share as 5. Sounds like lot of calculations but if you deal in shares you must have a habit of physical/digital record keeping. Also LT/ST count for Jio Finance shares will be from the same date as you bought original RIL shares and not the date of demerger. Hope this helps.

Ans: You must get a good health insurance policy covering both of you. Under Sec80 D it provides deduction upto 50K per year for Senior Citizens with additional 5K deductible towards preventive health checkup. For more avenues of tax optimization it is advisable that you consult income tax lawyer/CA.

Ans: Option a. As mentioned in your question is the way how it would be looked at, from capital gain tax perspective (100 shares at original price & date of purchase & 300 shares at zero price with date of allotment as reference for determining LT or STCG)

Ans: Considering your age(64 years) you are not eligible for EPF as well as ESIC

Ans: Hello
It’s sad that you've been suffering for the past 4 years and no lasting solution has been provided. It is quite possible that your problem is not dental in origin. You have clearly stated that you have consulted several dentists (including a TMJ specialist) so it is safe to assume that you no longer have any untreated dental infection or abnormality.
My advice to you would be to consult a reputed Neurologist or Pain Management specialist.

Ans: If your Aadhaar and bank details are linked on the UAN portal and your UAN is active, use the Composite Claim Form (Aadhaar). You can fill and submit the form directly to the EPFO office without requiring attestation from your employer.

Ans: EPF account turns inoperative after 36 months of consecutive NO contribution. Hence no interest accrues on such inoperative accounts. Your spouse needs to visit nearest EPF and complete formalities to activate and withdraw the EPF balance. You may need KYC documents and letter from her last employer.

Ans: In case your husband or MIL has a legally valid will then it will help because Legal Will supercedes nomination and it can enforced through Courts. In the absence of a Will you may have to get a succession certificate issued by Court. Also you will need affidavits from your sister-in-law or their heirs regarding their No Objection to you receiving the balance 50% share of your husband's PPF account nominated in favor of your MIL. Also plz. Seek legal advice if required.