Hi Gaurav I am 28 and exercise 4-5 times a week. Two days ago my resting heart rate was 105-110. I panicked and called the paramedics. They checked and told me blood sugar, oxygen is normal. Heart rate is high because I panicked. The whole night I couldn’t sleep and my heart rate was between 80-100. Is this normal? Why does it happen?

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if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years.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if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years.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).

For more details visit us at www.shreeoverseaseducation.com

Ans: After MBBS in Russia, countries like Germany, Canada, and Australia are ideal for PG, offering quality education and PR pathways. Germany provides free or low-cost PG programs but requires German language proficiency. Canada and Australia have PR-friendly systems after completing residency or work experience. Gulf c

For more details visit us at www.shreeoverseaseducation.com

Ans: After retiring at 65, your EPF account will continue earning interest for 3 years from the last contribution, after which it becomes inactive, though the principal remains safe for withdrawal anytime. Since you have not completed 10 years of service, you are not eligible for an EPS monthly pension but can withdraw the entire pension contribution as a lump sum by submitting Form 10C. Similarly, use Form 19 to withdraw your EPF balance if you don't plan to rejoin employment. Ensure your KYC is updated for smooth processing.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Ans: H Kesari....MDS abroad can cost ?25–?70 lakh, depending on the country. USA, Canada, and Australia are excellent options due to high-quality education and career opportunities. The procedure involves clearing exams like NBDE/INBDE (USA), NDEB (Canada), or OET/IELTS (Australia). Admission requires academic transcripts, proof of English proficiency, and recommendation letters.

For more details visit us at www.shreeoverseaseducation.com

Ans: To choose a university in Germany for a master's in Data Science, consider factors like tuition fees (many public universities offer free or low-cost education), program curriculum, research opportunities, and language requirements (some programs are in German). Good options include TU Munich, University of Stuttgart, and RWTH Aachen. For alternatives, consider affordable universities in Canada (like University of Waterloo) or Ireland (University College Dublin) with strong Data Science programs. Ensure backup plans include English proficiency exams (IELTS/TOEFL) and application timelines.
For more details visit us at www.shreeoverseaseducation.com