How Should I Choose Between BDS, BTech Health Science and Technology, and Pharm D with 70% in CBSE 12th?

Ans: Hello,

To begin with, thank you for contacting us. I am happy to know that you have completed your Master of Commerce (M.Com) and possess 15 years of work experience. To answer your question first, I would like to tell you that given your vast experience, at 45, pursuing the US CPA is a wise decision, as it can improve your employment opportunities in accounting and finance to a great extent. I would like to tell you that the CPA credential is highly valued and can lead to senior positions and specialized possibilities. Bear in mind that age can be an asset that indicates maturity and in-depth sector knowledge, both of which employers value.

Pursuing a Master's in Accounting and Analytics in the US is a feasible choice if you wish to expand your knowledge and acquire abilities in high-demand areas. A number of professionals seamlessly shift to academic programs later in their careers, and STEM-designated programs provide excellent employment opportunities in the United States. For this reason, moving to the USA can be beneficial as long as you are prepared for the personal and financial investment that would be required.

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Ans: Pravin Sir, as far as OCI status is concerned, please note (reproduced here the 'State of Eligibility' given on Page No.21 of JEE Information Bulletin 2024), "The State Code of Eligibility for OCI passing the class 12 (or equivalent) examination in India is at part with Indian Nationals. However, OCI passing the class 12 (or equivalent) examination from an institution abroad are eligible for other State Quota Seats or All India Quota Seats (but NOT for Home State Quota Seats) in all NITs, IIITs & Other CFTIs". As far as NRI status is concerned, your son should have completed his 12th from abroad only. And he will be considered as a 'General Category' applicant only. All the BEST for Your Son's Bright Future.

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Ans: 1. First and foremost you must put aside 6-8 months of regular expense coverage into à liquid mutual fund. After doing this if you have some lumpsum left then you should invest it in NPS or equity savings fund (moderately high risk) depending on your financial goal priority viz retirement (NPS) or some other. If your time horizon is 10 years+ even for goals other then retirement, then you may think about investing in pure equity fund but that will have very high risk.

2. You are supposed to pay you income tax liability for financial year during the same year through Advance tax, TDS and also self income tax payment by 31st March. After that you have to furnish complete record of your entire income during previous FY to the tax authorities with exemptions, deductions if any vide IT returns before 31st July. After doing this exercise you assess how much tax you paid during the previous FY and how much tax you actually were liable to pay. If the difference is positive amount then income tax department will issue a refund with interest. Also if difference is negative the you have to pay the difference amount with interest to the income tax department. So return filing is basically comprehensive reconciliation statement of your previous FY income tax payments and additional tax overdue or refund if any.

3. NPS Returns given in the statements are based on inflows, gives the annualized effective compounded return rate in your account as per XIRR working. The calculation is done considering all the contributions/redemptions processed in your account since inception and the latest valuation of the investments. The transactions are sorted based on NAV date.

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

Happy Investing!!

Ans: Vanshika, Lot of options are there. Biomedical Sciences | Clinical Sciences | Life Sciences | Allied Sciences (like Pharmacy) | Nursing | Food Technology | Forensic Sciences | Agriculture, etc. All the BEST for Your Bright Future.

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Ans: Prefer CBIT Kiran. It is one of the NIRF Ranked Institutions. All the BEST for Your Bright Future.

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Ans: Arpita Madam, She can go for B.Com | BBA | BBM | BSc (CSc) and then can pursue MBA or CA or CS or ICWAI or try for Bank Jobs etc. All the BEST for Your Daughter's Bright Future.

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Ans: Prem Sir, cheap and best online Certifications are available with NPTEL. Your daughter will have to pay only for Exam Fee. Its Video Sessions are free to watch. Also, Certifications from NPTEL are recognized even by some Multinational Companies for Jobs. If affordable, can try for UpGrade, Coursera, Internshala etc. Her college CS Department faculties are the best sources to recommend the courses suitable for her and on the basis of job market trends. Some of them might be Data Science, JAVA, C++, Web Development, Cyber Security, Networking, Block Chain etc. All the BEST for Your Daughter's Bright Future.

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Ans: No, she should not shift her focus. If she prepared for JEE, her score for state level exam will be good automatically.

Ans: I think faculty job will be suitable for you as you have experience, and you can take care of both family and work.