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Sushil Sukhwani  |94 Answers  |Ask -

Study Abroad Expert - Answered on Aug 09, 2023

Asked by Anonymous - Aug 08, 2023

Hi, my daughter is studying in 11 class and she has opted for medical. After 12th she would like to go to USA for further studies. Can you please advise few best Universities in USA for medical programs? And complete process as well?

Ans: Hello,

To begin with, thank you for getting in touch with us. Certainly, we’d be glad to assist! Although studying medicine in the United States might be beneficial, it's vital to keep in mind that the application process can be very competitive. Mentioned below are some of the best medical schools in the USA, along with a description of the application process:

Top Medical Schools in the United States:
1. Harvard University
2. Johns Hopkins University
3. Stanford University
4. University of California--San Francisco
5. University of Pennsylvania (Perelman)
6. Washington University in St. Louis
7. Duke University
8. University of California--Los Angeles (Geffen)
9. Yale University
10. Columbia University

Remember that this is not an exhaustive list, as there are several additional good medical universities in the United States.

Application Procedure:

1. Prerequisites: Before applying, your daughter must obtain a bachelor's degree (often a pre-medical or cognate degree) with prerequisite coursework in biology, chemistry, physics, and maths.

2. MCAT: The Medical College Admission Test (MCAT) is a requirement for admission to the majority of American medical schools. It is a standardized exam that evaluates an applicant's understanding of scientific principles, critical thinking, and problem-solving abilities.

3. Recommendation Letters: Your daughter will require outstanding letters of recommendation from professors, mentors, or professionals who can attest to her intellectual prowess and character.

4. Statement of Purpose: Typically, applicants must compose a convincing personal statement outlining their purpose to pursue a medical career, relevant experiences, and attributes that make them a viable candidate.

5. Application via AMCAS or AACOMAS: The majority of medical schools use centralized application systems: the American Medical College Application Service (AMCAS) for MD programs and the American Association of Colleges of Osteopathic Medicine Application Service (AACOMAS) for DO programs.

6. Additional Applications: Some colleges may request secondary applications with additional essays or questions after the initial application. These are used to further determine the applicant's suitability for the program.

7. Interviews: Your daughter will be invited to the schools for interviews, if chosen. This serves as an opportunity for her to learn more about the program and for the school to learn more about her.

8. Acceptance: She will have to select one institution and file the necessary paperwork if she receives acceptance offers.

9. Visa Procedure: The university's office for international students will assist your daughter with the visa application procedure when she accepts an offer.

10. Medical Licensing Exams: After completing the medical program in the United States, she will need to pass the United States Medical Licencing Examination (USMLE) in order to practise medicine.

It's important to thoroughly examine the programs and make appropriate plans because each university may have unique criteria and deadlines. Getting advice from academic advisors, mentors, or business experts might be advantageous because the application process can be complicated.

For more information, you can visit our website.

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Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023


Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 14, 2023
Sir, I just retired from my service @60yrs. I will get my PF+other fund ₹50L. Please advice how to invest the amount so that my principal not disputed and I can get ₹30,000 pm for my monthly expenses. My family of 2 persons are covered ₹50L health insurance. Regards
Ans: Considering your age and your requirement, you will need to invest in a mix of debt and equity instruments. Here are some investment options available to you:-

• Senior Citizens’ Savings Scheme (SCSS) – This is a pure debt instruments and provides guaranteed returns of 8.2% per annum. The interest is paid quarterly. The maximum amount that you can invest is Rs. 30 Lakhs.

• Corporate FDs – It provides you return more than the regular bank FDs. It contains two options i.e. cumulative and non-cumulative.

• Post Office Monthly Income Scheme (POMIS): This is another government-backed scheme that offers guaranteed monthly income. The current interest rate is 7.1%.

• Debt Mutual Funds: As your main concern is to protect the principal amount you may consider debt funds and monthly income can be achieved through the route of SWP (systematic withdrawal plan).

• Equity mutual funds: Equity mutual funds offer the highest potential returns, but they are also the riskiest. A small portion of the amount can be invested in the equity mutual funds for growth of the money in the long-term horizon.

It is good to know that you are adequately insured for any healthcare emergency.

Your requirement of Rs. 30,000 will be changing in the future due to inflation, hence you should consult with your financial advisor for a proper increasing income or SWP (systematic withdrawal plan) which can help you to ensure sufficient amount available for your monthly expenses.

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Hi Sir, I worked a small level company between 01.02.2018 to 30.04.2021. They paid standard EPF contribution of Rs. 1800/- from my side they deducting the same of Rs. 1800/-. After I exit the company I applied the EPF Withdrawl (both contribution) on 06.05.2023 and it was rejected by the officer and the reason was mentioned "Claim Rejeced EQUAL SHARE 07/18". The Employer deposit the July 2018 share in wrongly i.e. The deposited Rs. 1800/- in Employee Share and Rs. 1800/- employer Share and Pension is " 0 ". instead of Rs.1800/- as employee, Rs. 550/- as Employer and Rs.1250/- as pension contribution. When I sent a 2 continues mail to EPF they taking my query as a grivience and sent a query to the employer. But Still they not close the issue. How to I approch them to clear my claim. Because there is no mistake from my side. Thanks in Advance. Narayanan
Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.
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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