Wrinkles & Fine Lines: Botox, Fillers or Facelift?

I completed a BSc in computer science last year from a college in Pune. I’ve been preparing for competitive exams like UPSC and banking but no success yet. I’m now thinking of switching to a tech career or learning a skill like data science, but I’m not sure if it’s too late or if I’m making the right choice. What should I do? I am 22.

Hello sir/ma'am, I am facing a challenging situation regarding my background verification process. My previous company, which I worked for, shut down in 2020. Unfortunately, I do not have an experience letter or full and final settlement letter from that company. Currently, I have been selected for a position in an MNC. However, the new company requires proof of experience and F&F letters from all previous employers. I did not include this company in my resume, but during the background verification process, it appeared on the PF portal. Since the previous company is now closed and unresponsive, I am unable to obtain any documents or verification. I am unsure how to address this situation with my new employer and proceed without jeopardizing my offer. Could you please guide me on the best approach to handle this issue?

My father deposited 30 lacs cash in my salaried account, he is farmer, now I got IT notice for feedback, what should I do?

At the time of renewal of policyif we declare some disease which is not there at the time of inception of policy, will the premium will increase for the disease or it will increase accordingly as per the renewal time

Is it necessary to declare the disease at the time of renewal of policy which is not before at the time of inception

Sir , i had a couple of LIC pokicies in name of my father. My father expired this at Feb 2024, We are unable to kocate policy documents. The LIC agent sats , that its better to transfer the priceeds from old policy and take a new policy. He also says its a cumbersome procedure to make claim and it might take over 6 months. Is there any truth to statements made by agent? If LIC is govt owned company selling life insurance policies, shoukd it be more cignuzant cystimers investing their hard earned money ? Please advise how to proceed and if required where to lodge complaint.

Hi Milind Sir, I plan to invest ?12 lakhs from my PF withdrawal(private employed M-33y.o) for my parents (Father: 60, Mother: 59) to generate income. The allocation is: ?3 lakhs in Aditya Birla annuity (annual premium) - 1 lac income/year ?6 lakhs in SCSS (lump sum) ?3 lakhs in HDFC FD Is this a suitable approach for immediate and steady income? Please advise sir.

Hi Milind, My age is 41. I worked at my first job from September 2005 till December 2010 and withdrew the EPF and EPS after 3 years of exiting from that job. This EPF account wasn't linked to any UAN. I then worked from December 2010 till August 2013 at second job but there was no EPF facility there. I am working at my third job since August 2013. I checked on PF portal, service history only shows tenure of third job, the EPF account is linked to a UAN. How do I get the service history of earlier jobs added to my UAN so that pension is calculated correctly at the time of retirement? I checked with my accounts department in current company, they said you withdrew in first job and second job no contribution, so service history of those 2 jobs cannot be added to my UAN, is this true? What can I do about this now?