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My Daughter Wants to Take PCMB in 12th and Become a Doctor: Should She Join Coaching?

Nayagam P

Nayagam P P  |3916 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Jul 04, 2024Hindi
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Career

Sir meri beti abhi 10th class me hai and next year m usko 11 & 12 dummy school krwakr neet ki preparation krwana chahti hu. Meri daughter 12th PCMB lena chahti hai to uske liye konsa coaching centre thik hai, PCMB ek sath success ho skti hai kya, m delhi me rhti hu to coaching delhi me thik hai ya kota admission krna chahiye. Kya JEE and NEET ki same institute preparation krwa skta hai plz suggest

Ans: I have fully UNDERSTOOD your Question in HINDI. Please ask Your DAUGHTER TO READ MY ANSWER. (1) Joining a Dummy School is slightly risky, as Govt. may blacklist dummy school any time. Depends upon Govt. Policy. If you want to take risk on 'Dummy School', you can go ahead (2) If your daughter targets NEET, it is advisable to choose only PCB and NOT Maths. (3) She cannot focus both on JEE & NEET (3) Studying at Kota has both Merits & Demerits. She will have to go through a lot of pressure (which she should be able to bear) apart from outside / canteen food she will have to eat. She will have to wash her clothes etc. Merit is quality of Coaching will be good at ALLEN and some 2-3 good institutes. But you have to decide, based on availability of accommodation, fees affordability etc. She will have a lot of doubt clearing sessions and she also will come to know where she stands among other students and where she has to move / improve? (3) ALLEN will be a good Coaching Center in Delhi also. She can join nearby her residence in Delhi to reduce her travel time. Some IMPORTANT Preparation Strategies for Her: (1) Whenever she studies at home, she should study for 45-minutes. Then take a break of 10-minutes when she can move away from her study table, walk, have some water & relax. If she continues studying beyond 45-minutes, her concentration power will go down, resulting to low output. Most students commit this mistake. (2) On daily basis (morning or evening whichever will be convenient to her), do yoga or meditation or physical exercises or play any games / sports (whichever she can do) for at least 30-45 minutes This will further reduce her stress / distractions. (3) She should study tough topics / tough subjects (applicable to her) early morning with your fresh mind. (4) Should eat a lot of green vegetables / fruits & avoid soft drinks (5) Every day night, before going to bed, she should revise whatever she has studied during the day. (6) Also, should revise every week whatever she has covered till date (here her short-notes which she should prepare will be helpful). (7) She should also keep practising questions on topics which you have covered either offline or online (8) Should give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (8) You might be aware that NEET rank is allotted on the basis of highest score in Biology. She should practice more and more in Biology, till she reaches Speed & Accuracy (9) By the end of 11th/12th standards (December-January), she should attempt fully syllabus online test series / mock tests, evaluate and analyse her performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb her when she appears in actual NEET exam (b) abnormal time taken to attempt any question which she can come to know from Online Test Series which she should reduce (c) which questions she skipped and why? (10) She should AVOID studying under pressure that she should definitely get admission only into top Medical Colleges. Never advisable. (11) She should Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams (allied-Medicines / Pure Sciences). (11) She should avoid comparing herself with other students. (12) Also, it is highly ideal to appear in / attempt minimum 2-3-Entrance Exams (for both Govt & Private Engineering Colleges), apart from NEET / CUET for Allied-Medicine & Pure Science Courses. She will have a lot of options (easiest method, if she does not score well in NEET) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Her Interest | Stream Preference | Placement Records | College Culture | Her Short & Long Term Goals | Pressure She Can Go Through / Bear | Her AIR & Job Market Condition. I hope I have answered to your question with value additions. All the BEST for your Daughter's Bright Future.

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Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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