Hi experts, I am still waiting for a response. Asking the question for the 3rd time. Reposting Hi, Question with regards to EPF My wife quit working in 2015 and post that there hasn't been any EPF contribution. We haven't withdrawn her EPF as we didn't need the money. Please can you let us know if the below A. Is our money safe since its been 10 years and there hasn't been any contribution B. Will she be getting any interest? C. If we withdraw the amount now and will there be any tax implication on the withdrawal? Somewhere in one article I read that the money not withdrawn within 36 months will be given away to senior welfare fund. This has got us all worried as the only reason we didn't withdraw is we didn't need the money and kept it for a rainy day. Please can you answer this question at the earliest as we are really worried about our EPF money post reading the article. Also, could you help us out with the process to withdraw the PF amount.

Ans: 01. Your 50% share in the Flat can be claimed by your Wife & Child, in case of any misfortune happening.
Most welcome for any further clarifications. Thanks.

Ans: 01. Pension benefits are more when you have a Regular Service, without any break. If they have considered this health leave, the service should continue. You need to sort out this issue with the management for your long term benefits.
Most welcome for any further clarifications. Thanks.

Ans: Dear Anonymous,
Clearly none of them seem to be happy with you and seem to want to get you away from them.
What exactly are you holding onto? Evaluate what you are getting by staying in the marriage and what you can do to manage life without the marriage if you of course make that choice.
I would also suggest one last attempt at putting things together. Will your husband be willing to talk to a third person like a therapist or even a family member? Try to set things right and even after this, they seem to make your life miserable, you really need to create options for yourself.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Hello Baqir.
It seems that you are very confused. As you said, you have already appeared for NEET i.e. this is your drop year. Yet you are not confident about NEET 2025. If you have taken NEET previously, then how again you are appearing for the board exam is also not clear. If you have already given NEET and are preparing for NEET again, then why you are thinking about JEE without any reason is also unclear. You have created a lot of problems in your mind without any reason. This is because you are not focussing on the syllabus and studies but rather thinking in an irrelevant direction. The question arises, why not you are appearing with mathematics on the CBSE board? It is suggested that you appear to NEET 2025 with full preparation. If you score less also, then there are many courses in the medical field in which you can get admission. Leave all worries, thoughts, and no mark sheets, JEE issues and focus only on NEET 2025. It is also suggested that you please meet face to face a counselor to understand you more and guide you properly.
If satisfied with my reply, pl like and follow me.
Thanks
Radheshyam

Ans: Dear Anonymous,
There's enough and more reading material on this topic on the Internet. You may read those to actually educate yourself.
So, if you are still unsure who narcissists are, how are you sure that your friend was a narcissist?
Also, what makes you hold on to something that happened 20 years back. We are surrounded by all kinds of people; when you know somewhere you are being taken for granted, your personality has begun to change to suit the other person, you seem to go overboard to please them, watch out...you could very well be under their control.
Having said that, be kind to yourself and what happened is done...just start to become more aware when you are around people.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Hello;

Your case is unique.

I am sure you may have other colleagues who are facing similar concern.

Therefore I recommend that you seek advice from a lawyer specializing in labour/EPF laws and take steps to recover your funds through legal means.

Best wishes;

Ans: Hello;

You may check the stock overlap in the two funds, if it is more then 20% then you may shift the corpus in a staggered way to avoid CG tax.

If the stock overlap is less than 20% then you may retain it because it gives you a relatively distinct and diversified stock holding.

You may be required to do this exercise each year but it will hardly take much time so it's okay.

Happy Investing;

Ans: Hello;

You may invest the investible surplus of your salary into PPF, NPS (100% G option), NSCs, KVPs as safe and secure investments.

Although they don't have a default risk being GOI schemes, they have interest rate risk, low return risk.

Seek advice from an investment advisor or a certified financial planner if you need help.

Happy Investing;
X: @mars_invest

Ans: Hello;

What is the time horizon for which you want to invest?

For 3-5 year duration she may begin her sip in a good balanced advantage fund. You may select any fund from the top quartile in this category for your time horizon.

Happy Investing;
X: @mars_invest