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Sushil Sukhwani  |589 Answers  |Ask -

Study Abroad Expert - Answered on Apr 29, 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
Satyawan Question by Satyawan on Apr 27, 2024Hindi
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My son is M.S. general surgery from MGM UNIVERSITY MUMBAI.He has done oncology fellowship in Nashik Under Dr.Nagarkar.He is in practice at Beed,near Solapur.How he will be able able to get extra training in USA In oncology?Dr.s.y.Jadhav

Ans: Hello Satyawan,

To begin with, thank you for contacting us. I am happy to hear that your son has pursued his Master of Surgery in General Surgery from MGM University, has done oncology fellowship in Nashik, and is practicing at Beed. To answer your question first, I would like to tell you that in order to pursue additional training in oncology in the USA, there are a few steps that your son will require to follow:

Firstly, I would suggest that your son conducts a comprehensive study on oncology fellowship programs in the USA. Remember that the USA offers a number of well-regarded programs, and thus, your son should look for those programs that best resonate with his interests and professional objectives. Next, remember that the prerequisites for each fellowship program will be unique. A residency in internal medicine or an associated field, viz., general surgery, is generally required, which your son has already fulfilled. Particular tests viz., the United States Medical Licensing Examination (USMLE) may be demanded by certain programs. In addition, your son may also be required to prove his fluency in the English language through appearing for tests viz., the IELTS or TOEFL. Upon finding relevant programs, I would suggest that your son applies directly to them. Bear in mind that for the majority of medical disciplines, this generally entails submitting an application via a centralized system viz., ERAS (Electronic Residency Application Service). If your son has secured admission to a fellowship program, as the next step, in order to train in the USA, he would be required to acquire the necessary visa. For medical trainees, the J-1 visa is frequently used. Relocating to a different country for training calls for meticulous planning. So as the next step, your son will need to make arrangements for lodging, and travel, as well as make sure all the paperwork is in place. Once everything is in order, your son can then start his oncology fellowship training in the USA. Practical clinical experience, research, and academic endeavours are generally entailed in this.

In order to enhance his chances of obtaining a fellowship role, I would suggest that your son conducts an all-round study on programs, comprehends their prerequisites, and drafts a compelling application. Moreover, he should get in touch with and obtain guidance from instructors or colleagues who have followed comparable paths which can prove beneficial.

For more information, you can visit our website.
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Study Abroad Expert - Answered on Jan 02, 2024

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My son studing mbbs (fina year) at kalkata medical college, want to study in abroad (USA) , How is it possible with financial assistance?
Ans: Hello Naba,

To begin with, thank you for contacting us. I am happy to hear that your son is currently pursuing the final year of MBBS at Kolkata Medical College and wishes to further study in the USA. To answer your question first, I would like to tell you that although a promising opportunity, pursuing medicine overseas, specifically in the United States involves substantial monetary constraints. Nevertheless, remember that your son could seek financial aid from numerous sources. I would recommend that he looks into the available grants or scholarships provided by private organizations or universities that aim to assist international medical students. Furthermore, although typically needing a cosigner who is a citizen or permanent resident of the US, there are student loans that are designed exclusively for foreign students attending US universities. Your son could explore these as well. Not just that, he could also engage in on-campus part-time jobs, this can be an excellent way to defray expenditures. To learn about the available possibilities and prerequisites for international students wishing to pursue medicine in the USA, I would suggest that your son conducts an extensive study and gets in touch with universities, offices offering financial assistance, as well as looks into the various scholarships offered.

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Asked by Anonymous - Mar 12, 2025Hindi
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What are possibilities of getting maintenance for a working woman (with a kid) from husband . My husband has abandoned us since birth of my daughter 4years. Not taking the child's responsibility. Husband says as I am earning I should take care of financial requirement of the child too. I am doing extra duties/ work just to take care of my daughter's education and future. As I am a healthcare professional my work consists of night duties. These duties are taking toll on my health and also my daughter's . People are saying as I am a working woman I can't claim maintenance from husband. But taking care of young child is more difficult with working. I just can't leave my job , just to show nil income to claim maintenance as no one is there to support me and my daughter. Hiring a nanny , maid etc along with rent comes around 85k per month apart from school expenses. As I live in metropolitan city. Husband earns more than me but transfers money to his mother's account.He has taken me granted financially since marriage.Not able to save anything for the future. Don't have any property on my name .
Ans: Dear Anonymous,
This is a question for a legal expert; so go ahead and seek the guidance of someone who can handle your case. Along with this, you will have to think of a good balance that will allow for you to manage work and home plus your health.

All the best!
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Ramalingam

Ramalingam Kalirajan  |8100 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2025

Asked by Anonymous - Mar 14, 2025Hindi
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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered
Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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