Dear Nitin, could you please suggest me some good colleges for genetic engineering. Is bio in 12th compulsory for these courses? And please let me know what is the future scope in this line.

Ans: Search in net. That can give you the best anser. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Ans: You are advised to search in net the topic of your master degree from abroad which can be pursued after the successful completion of the B. Tech Biotechnology course. Search for those subjects linked to Biotechnology and Industrial research. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Ans: If he is interested in teaching or research he should go for M.Tech, otherwise not. Let him continue his present job. An online MBA will pay him a lot. Let him go for that. No need to switch over to other company. A rolling stone gathers no moss. Best of luck to him. Just follow me. May God Bless Him. Professor.....................................:)

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Prem,
For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Sushant,
OCIs and POIs can invest in Indian mutual funds. However, only a few mutual funds are currently accepting investments from US and Canadian citizens. Below are the AMCs that currently accept L&T, UTI, PPFAS, Sundaram, and Canara Robeco. Other mutual fund houses are also slowly joining in. Overseas Citizens of India (OCI) are also eligible to invest in Indian SIP plans with life cover, just like Indian residents.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Friend, After superannuation at 58, your NPS account has been transferred to the "All Citizens of India" sector due to a lack of input for continuation or deferment within the stipulated 30 days. You can still access your account using your existing PRAN credentials on the CRA portal. However, deferment is no longer an option, though you can continue contributing voluntarily until age 70. You can withdraw 60% of the corpus tax-free and must use the remaining 40% to purchase an annuity, which will provide a monthly pension. To start your retirement, select an annuity plan from an NPS-empanelled insurance provider, and they will handle the disbursements. Ensure to log in to your account to manage the process effectively.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: Hi Jitendra
The cost of MBBS in Singapore for Indian students ranges from SGD 50,000–70,000 per year (approximately ?30–42 lakh). Universities like National University of Singapore (NUS) and Nanyang Technological University (NTU) are highly regarded for their programs. Scholarships like the ASEAN Undergraduate Scholarship can help reduce costs. Additional expenses include living costs of SGD 10,000–15,000 per year (?6–9 lakh). Admission requires excellent academic records and competitive test scores (IELTS/TOEFL).

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