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Geeta

Geeta Ratra  |125 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Feb 14, 2023

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Indian Question by Indian on Feb 14, 2023Hindi
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Career

Hello Geeta, My daughter is a US citizen currently residing and studying in India and will appear for her 10th. What are the options for UG medical in US for her? Any preparations required. Her aim is to be surgeon later in PG. Which are the good UG college recommended? Does she get preference as US citizen in admission procedure. Thanks

Ans: Hello,
To be a surgeon in USA, your daughter needs to complete the bachelors in UG program with Paramedicine courses such a Biomedicine, Health Science, Food and Nutrition, Human Biology, Immunology, Kinesiology etc. Post that she need to clear the entrance Medical College Admission Test – MCAT in order to qualify for MD degree to become a doctor.

Below are top rate college in USA
Harvard Medical School
The Johns Hopkins University
Washington University School
University of Califorinia
Baylor College of Medicine
University of Washington
Geisel School of Medicine
Career

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Sushil

Sushil Sukhwani  |323 Answers  |Ask -

Study Abroad Expert - Answered on Aug 09, 2023

Asked by Anonymous - Aug 08, 2023Hindi
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Career
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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Ramalingam

Ramalingam Kalirajan  |916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I invested 40k in Uti flexicap fund but from last 2-3 years this fund not performing well... What to do...? Withdraw this amount or wait..?
Ans: When faced with underperforming investments like UTI Flexicap Fund, it's essential to evaluate your options carefully. Here are some steps you can consider:

Review Performance: Assess the fund's performance objectively over different time periods and compare it with its benchmark and peer funds. Look for consistent underperformance or temporary setbacks.
Understand Reasons for Underperformance: Research and understand the reasons behind the fund's underperformance. Is it due to changes in fund management, investment strategy, market conditions, or specific sectoral exposures?
Reassess Investment Thesis: Revisit your original investment thesis for choosing UTI Flexicap Fund. Does it still align with your financial goals, risk tolerance, and investment horizon? Consider whether the fund's underperformance is a temporary setback or a fundamental issue.
Seek Professional Advice: Consult with a Certified Financial Planner or investment advisor for personalized guidance. They can provide insights into whether it's prudent to hold onto the investment, reallocate funds to better-performing options, or exit the investment altogether.
Consider Portfolio Diversification: If UTI Flexicap Fund no longer fits your investment strategy, explore reallocating your investment to other funds or asset classes that better align with your goals and risk profile.
Patience vs. Action: Determine whether you're willing to wait for the fund's performance to improve or if you prefer to take proactive steps to address the underperformance.
Ultimately, the decision to withdraw or wait depends on your individual circumstances, investment objectives, and risk tolerance. It's essential to make informed decisions based on thorough research and professional advice.
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Ramalingam

Ramalingam Kalirajan  |916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 04, 2024Hindi
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Money
My salary is 75k, I have started 50k sip (30 quant multi asset fund +5k largemidcap 250 zerodha index fund +5k smallcap 50 axis index fund+ 5k microcap motilal index fund + 5k kotak nasdaq 100 index fund) Also I have 9L in icici short term fund for additional mf buying. My age is 32 and want retire with 1Cr after 10 years. Is my plan is on correct way ?
Ans: Your proactive approach towards investing is commendable, and your SIP allocations reflect a diversified strategy. Let's review your plan:

SIP Allocation: You've diversified your SIP across different asset classes, including multi-asset, large-mid cap, index funds, and international exposure. This diversification can help manage risk and capture growth opportunities across various market segments.
Additional Funds for MF Buying: Holding 9 lakhs in ICICI Short Term Fund for additional MF buying provides liquidity and flexibility to capitalize on investment opportunities as they arise. It's a prudent strategy to have funds readily available for investment.
Retirement Goal: Your aim to accumulate 1 crore for retirement after 10 years is ambitious but achievable with disciplined saving and investment. However, it's essential to periodically review and adjust your investment strategy to ensure you stay on track towards your goal.
Consultation with a Financial Advisor: Consider consulting with a Certified Financial Planner to ensure your investment strategy aligns with your long-term financial goals and risk tolerance. They can provide personalized guidance and help optimize your portfolio for maximum growth potential.
Overall, your investment plan appears well-structured, but regular monitoring and adjustments may be necessary to ensure it remains aligned with your retirement objectives. Keep up the disciplined approach, and you're on the right path towards achieving financial independence.
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Ramalingam

Ramalingam Kalirajan  |916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 21, 2023Hindi
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Hello Kirtan, I am 35 years old and I am doing SIP of 17700. 4000 in TATA multicap, 3000 in TATA digital, 1000 in TATA small cap, 4400 in HDFC flexicap, 3300 in ICICI NIFTY 50 INDEX and 2000 in NIPPON INDIA SMALL CAP. What is your Opinion. I have no short terms goal. I just want to invest money for as long as I can.
Ans: It's great to see your commitment to long-term investing at 35. Your diversified SIP portfolio reflects a thoughtful approach to wealth accumulation. Let's delve into some insights:

Diversification: Your allocation across multiple fund categories - multicap, digital, small cap, flexicap, and index funds - spreads risk and captures growth opportunities across different market segments. This diversification is crucial for long-term wealth creation.
Focus on Growth: By investing in multicap and small cap funds, you're targeting companies across various market capitalizations, aiming for higher growth potential over the long term. Additionally, digital and flexicap funds offer exposure to sectors with significant growth prospects, aligning with your long-term investment horizon.
Index Fund Inclusion: Incorporating an index fund like NIFTY 50 INDEX provides exposure to the broader market while keeping costs low. It complements your actively managed funds and ensures broad market participation.
Review and Rebalance: Periodically review your portfolio's performance and asset allocation to ensure it remains aligned with your long-term goals and risk tolerance. Rebalance if necessary to optimize returns and manage risk effectively.
Overall, your investment strategy appears well-structured for long-term wealth accumulation. However, continue monitoring market trends and adjusting your portfolio as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and aspirations.

Your commitment to long-term investing is commendable, and with diligence and strategic planning, you're on track towards financial success.
(more)
Ramalingam

Ramalingam Kalirajan  |916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 11, 2024Hindi
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I am 59 retired with corpus of ?.40 lacs with no retirement pension. Medical insurance sum insurance is ?.5 lacs and no family or financial commitment. To get ?.25k per month, please suggest where to invest. I estimate to live for next 20 years.
Ans: Given your retirement status and financial situation, securing a monthly income of 25,000 INR for the next 20 years requires a carefully crafted plan. Let's explore some options:

Systematic Withdrawal Plan (SWP): Consider investing a portion of your corpus in balanced mutual funds or debt funds and initiate an SWP. This allows you to systematically withdraw a fixed amount each month while potentially preserving your capital.
Senior Citizen Saving Scheme (SCSS): Invest a portion of your corpus in SCSS, offering stable returns and tax benefits for retirees. It provides regular interest payouts, ensuring a steady income stream.
Annuity Plans: Explore annuity plans offered by insurance companies. An annuity plan converts a lump sum into a regular income for a specified period, providing financial security during retirement.
Fixed Deposits (FDs): Invest in FDs with banks or post offices, providing stable returns and liquidity. Consider laddering FDs with varying maturities to optimize returns and access funds as needed.
Dividend-Paying Stocks or Mutual Funds: Invest in dividend-paying stocks or mutual funds, which provide regular income through dividend payouts. Ensure the investments align with your risk tolerance and financial goals.
Real Estate Investment Trusts (REITs): Consider investing in REITs, which offer rental income from commercial properties. However, be mindful of the associated risks and liquidity constraints.
It's essential to strike a balance between growth and stability while ensuring your income needs are met throughout retirement. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific requirements and aspirations.

Your dedication to securing your financial future is commendable, and with careful planning, you can enjoy a comfortable retirement with peace of mind.
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Mohit Arora  |37 Answers  |Ask -

Dating Coach - Answered on Apr 27, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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we have 3 yrs of relationship and in that frm 2 yrs we are in long distance we have great bondings ,no issue on that but the major issue taht we have no future becos he belongs to bhramin family his family is very strict not accept intercaste marriage and also they dont want him to move out of house . right now he is pursuing mbbs and i am pursuing computer science . i live in bangalore as u know its tech hub and best place for me for career but he will make future in gujarat he is telling me to come over there after marriage still we have lot time to think but he dont want to hang me in middle of the situation as he is not able to promise me that he will make it work 100% . He now every time telling me ki if u come to gujarat then only it will work and convince his family and some time he tells me that even if u come their might be my parents not fully accept u and tell u something rudely and all stuffs as i belong to general and may be u will regret for ur career also . what should i do should i compromise my career and do remote job or stay in some small company just for him or otherwise leave him? even i have great fear of not getting any soulmate after this becos as my experiences my elder sisters and brothers are still dint get their perfect partners its hard to get married to unknown i know i am overthinking at this stage but am confuse. i also dont have much frnd to talk about my prsnl problems .its been 2 yrs i have been through my personal loss and family problems also some times i am in pain getting sucidal thoughts its not for the relationships .Please help me with this .
Ans: Tel him to step up as a man and decide. You don't need a soul mate. The one you are seeking is yourself. Choose to be financially strong..
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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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