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Sushil

Sushil Sukhwani  |555 Answers  |Ask -

Study Abroad Expert - Answered on May 15, 2024

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
Geethanjali Question by Geethanjali on May 13, 2024Hindi
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Career

Dear Rediff Guru!! I"m a 63 year old widow, who ventured into teaching 16 yrs ago. About 10 years previous to that, I worked 10 yrs in a non- banking finance coy as clerk and/ or cashier. I resigned that job since I had to singularily concentrate on my son"s studies. I"m still teaching. This job is on contract basis. Now my son is grown - up and independent, my elder brother, who is settled in US, is advicing me to make a move to US. The way he suggests is pursuing a Phd in any University there whereby one gets a stipend which would assist for a living and eventually getting a job and settling there in. Would I be able to do that? There are formalities here ofcourse,,,. I"m a postgraduate in German Language & Literature, Sir. I recently heard from a believable sourse that in US people get jobs in looking after Old People in Assisted Living Facilities. I would like to get an advice. Thanking You, Geethanjali Unnikrishnan, Trivandrum, Kerala, INDIA

Ans: Hello Geethanjali,

First and foremost, thank you for getting in touch with us. I am glad to hear that you have completed your postgraduate degree in German and Literature and are currently teaching and now wish to move to the USA. As an answer to your query, I would like to tell you that your application remains valid until the visa officer grants you permission to enter the United States. The first requirement is for the university to accept PHD work.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint
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Shekhar

Shekhar Kumar  | Answer  |Ask -

Leadership, HR Expert - Answered on Apr 11, 2024

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Done BDS this year looking for further course and university in USA
Ans: Thank you for contacting me. I am happy to hear that you have completed your BDS and you want to pursue higher studies in USA. There are various courses which are mentioned below to help you.

Master level courses includes options in Dental Surgery (MDS) with specialization in Oral and Maxillofacial Surgery / Orthodontics and Dentofacial Orthopedics / Periodontology or Periodontics / Conservative Dentistry and Endodontics / Oral Pathology and Microbiology / Pedodontics and Preventive Dentistry / Oral Medicine and Radiology

Diploma level courses includes options in Diploma in Dental Materials / Dental Hygiene / Hospital Management and Administration / Forensic Odontology / Public Health Dentistry

Certification Level courses includes options in Certificate in Aesthetic Dentistry/ Dental Implantology/ Oral and Maxillofacial Surgery/ Endodontics (Root Canal Treatment)/ Orthodontics

Postgraduate level course includes Postgraduate Certificate in Advanced Dental Implantology / Pediatric Dentistry / Geriatric Dentistry

Fellowship Level program options includes Fellowship in Cosmetic Dentistry / Oral Implantology/ Laser Dentistry

Here are some of the recommended universities in USA where you can pursue higher studies abroad mentioned below:

Harvard University School of Dental Medicine (Boston, Massachusetts) / University of California, Los Angeles (UCLA) School of Dentistry (Los Angeles, California) / University of Michigan School of Dentistry (Ann Arbor, Michigan) / University of Pennsylvania School of Dental Medicine (Philadelphia, Pennsylvania) / University of North Carolina at Chapel Hill School of Dentistry (Chapel Hill, North Carolina) / Columbia University College of Dental Medicine (New York City, New York) / University of Washington School of Dentistry (Seattle, Washington) / University of Maryland School of Dentistry (Baltimore, Maryland) / University of Florida College of Dentistry (Gainesville, Florida) and Boston University Henry M. Goldman School of Dental Medicine (Boston, Massachusetts)

These are just few of the course examples for you to carefully consider the best option based on your interest and career goals after BDS. I wish you best of luck with your higher studies and dentistry! If you have any specific questions or need further advice, feel free to ask me on Rediff Gurus

..Read more

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Money
Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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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