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Sushil

Sushil Sukhwani  |94 Answers  |Ask -

Study Abroad Expert - Answered on Aug 26, 2023

Deepak Question by Deepak on Aug 10, 2023
Career

Hello Mr. Sushil Sukhwani, thanks for your advise. Just need small clarification, my daughter will be going to USA after 12th but in your response it's says after bachelor's so can you pleaase look into this and confirm?

Ans: Hello Deepak,

First and foremost, thank you for contacting us. We are extremely sorry for the part pertaining to Educational prerequisites, having mistakenly written Bachelor’s. Pursuing medical studies in the USA can certainly be fruitful, however, multiple steps are involved in the process, right from preparing for standardized exams to making applications for universities. The application process is as under:

1. Prerequisites:
• Academics: Your daughter will need to complete 12 years of schooling comparable to that of the U.S. high school education. This typically requires completing grades 11th and 12th.
• Standardized Tests: Prepare for and give the requisite standardized tests:
◦ SAT or ACT: Undergraduate admissions require one to appear for general standardized exams like the SAT or ACT. Certain universities might favor one over the other.
◦ SAT Subject Tests: For competitive programs like medicine, specific subject exams might be needed or recommended by certain universities.
• English Proficiency: If English is not your daughter's primary language, appear for the TOEFL or IELTS English language proficiency test.

2. Research and Choose Universities:
• Universities and medical programs that correspond to your daugther’s academic objectives, choices, and monetary capabilities should be researched.

3. Entrance Tests:
• MCAT: The Medical College Admission Test (MCAT) is required for admission to the majority of American medical schools. An applicant’s comprehension of scientific principles, critical thinking, and problem-solving abilities are assessed in this standardized test.

4. Application Process:
• Online Applications: Via the Common Application or specific university websites, complete online applications.

• Transcripts: Academic marksheets including those of grades 11th and 12th, as well as any other pertinent education should be submitted.

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

• 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.

• Extracurricular Activities: Talk about extracurricular activities, community service, leadership roles, and research experiences that you have undertaken.

5. Prepare Your Finances:
• Medical studies can be costly, therefore, budgeting is essential. Look into various scholarship opportunities, grants, and financial aid possibilities that universities offer.

6. Applying for a Visa:
• On being accepted, your daughter must apply for a student visa (F-1 visa) to study in USA. This entails submitting necessary documents, attending an interview at the U.S. embassy or consulate, and proving she can pay for her education and living costs.

7. Pre-departure Preparations:
• Before leaving for the USA, make accommodation, travel, and other essentials arrangements.

8. Arrival and Orientation:
• Once you arrive, adapt yourself to campus life and academic expectations by attending orientation programs organized by the university.

Depending on the university and course, the process can differ a little. Check the official websites of the universities your daughter is interested in frequently and adhere to their particular application guidelines and deadlines.

The medical sector in the USA being highly competitive, securing admission to medical schools can be difficult. Your daughter will need to maintain excellent academic standards, actively participate in extracurricular activities, and perform well on the required exams to increase her admission chances.

In addition, speaking with a qualified educational counselor or advisor who specializes in assisting students apply to foreign universities can provide tailored guidance throughout the application process.

For more information, you can visit our website.

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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%.

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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.
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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.
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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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