after been fired is it wise to work with less than current pay?

Ans: If your learning curve has not dropped and you are happy with the environment there is no need to change.

Ans: When you have interview conversations you can specify what your compensation expectations are - which will clearly let a prospective employer know what salary you are looking for.

Having said that, you have to keep in mind that "market standards" are very loosely defined and you cannot expect a radical rise immediately since the employer will expect to see outcomes before he/she commits to a high salary demand.

My recommendation would be to focus on role & organization that provides learning and growth opportunity. And state your hike expectations clearly and reasonably to land a good position.

Ans: Hello

Information that you have provided is not sufficient enough, what I would suggest is consult a lawyer show your termination letter and you will get proper guidance.

All the best

Ans: I'm sorry to hear about your job loss. With regards to your PF withdrawal, it's essential to carefully consider your options before making any decisions.

PF Withdrawal: Yes, you are eligible to withdraw up to 75% of your PF balance if you are unemployed for at least a month. However, withdrawing this amount means depleting your retirement savings, so it's crucial to evaluate the long-term implications.
Investment Options:
Mutual Funds: Mutual funds can offer potentially higher returns compared to traditional options like FDs. However, they also come with market risk, and past performance is not indicative of future results. Consider investing in a diversified portfolio of mutual funds across different asset classes and fund categories to mitigate risk.
FDs: FDs provide stable returns and capital protection but offer relatively lower returns compared to equity investments. They can be suitable for short to medium-term goals and for preserving capital.
Corporate Bonds: Corporate bonds can provide higher returns than FDs but carry credit risk associated with the issuer's ability to repay the debt. Investing in highly-rated corporate bonds or bond funds can offer a balance of risk and return.
Asset Allocation: Consider diversifying your investments across different asset classes to manage risk effectively. You may allocate a portion of your PF withdrawal to mutual funds for growth potential, while also keeping a portion in safer options like FDs or bonds for stability.
Financial Planning: Before making any investment decisions, I strongly recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can assess your financial situation, understand your goals and risk tolerance, and provide personalized recommendations aligned with your needs and objectives.
Emergency Fund: Ensure you have an adequate emergency fund to cover your living expenses for at least 6-12 months in case of unexpected financial setbacks.
Overall, prioritize prudence and long-term financial stability when deciding how to utilize your PF corpus. It's essential to strike a balance between risk and return based on your financial goals and circumstances.