Hello , My mother has some investments in shares & mutual funds. She wants to now distribute this ( gift) equally to all her children & keep one portion for her. Pls let me know what is the process to be followed & what will be the most tax efficient method . Does she needs to make a gift deed for each of her children ?

Ans: Hi Chandra,

I’m sorry to say that education is not like a vegetable market or a biryani stall; it's not something that can be resolved in a single day. Education is about building a career.

If you want quality education, you must be willing to invest money. To find the best college in Uttar Pradesh, you need to gather information about the college's and hospital's infrastructure.

In your undergraduate studies, you will gain basic knowledge, and after completing your postgraduate studies, you will become an expert. The most important aspect of this education is that you need to learn the skills. Skills are more important than just knowledge.

To gather the necessary knowledge and skills, follow my advice and analyze the following factors:

1. The selected college should be in a convenient location (it shouldn't be in a remote area).
2. Investigate the bed occupancy rate of the hospital (number of inpatients).
3. Check the flow of outpatients.
4. Assess the infrastructure of the hospital.
5. Evaluate the infrastructure of the college.
6. Look at the faculty-to-student ratio to see if it meets the required norms.

By analyzing these factors, you can easily identify the best college for your education.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: Respected Sir,
You need to consult a PF withdrawal expert.

Ans: Hi,

I believe you might have completed the NEET for the second time on May 4, 2025, is that correct? What score are you aiming for? If you achieve a good score, you can aim for GMC; otherwise, consider any of the following courses:

- BAMS (Bachelor of Ayurvedic Medicine and Surgery)
- BSMS (Bachelor of Siddha Medicine and Surgery)
- BUMS (Bachelor of Unani Medicine and Surgery)
- BHMS (Bachelor of Homeopathic Medicine and Surgery)
- BDS (Bachelor of Dental Surgery)
- BNYS (Bachelor of Naturopathy and Yogic Sciences)

All of these courses are quite good.

Regarding your second query: Apart from NEET, you can pursue Pharmacy, Nursing, or Medical Lab Technology (MLT) instead of Biotechnology. Once you complete any of these programs, you are likely to find a job quickly. The order of preference I would recommend is Nursing, Pharmacy, and then MLT.

If you are still interested in Biotechnology, some private institutions offer the course. Before enrolling, it’s advisable to visit the campus and check the infrastructure as well as the syllabus. Many programs focus on botany-related aspects of biotechnology rather than human and animal applications. If you pursue Microbiology, you may have better job prospects.

In addition to health-related fields, you may also consider pursuing agriculture-related courses.

Since you did not provide information about your locality, I cannot comment on the best institutions available in your area.

BEST WISHES

POOCHO. LIFE CHANGE KARO.

Ans: Hello dear.
PEC Chandigarh is a reputed institute. It is a good idea to take admission to one of the core branches and then develop the skills by joining either online/offline courses. Many aspirants have completed engineering in core branches with additional skills in the past. But among the three branches you mentioned, Production, Civil, and Metallurgy, in which branch/field you are interested is not clear. Choosing the branch at random will create frustration in the future. You also mentioned that you have an interest in the tech field and may get a seat in UIET Chandigarh. Now, if you have an interest in the tech field, then it would be better for you to prefer a computer-related branch. Focus more on your interests rather than thinking that PEC has a strong alumni network. It would be a wise decision to opt for IT, considering your strong interest in it.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Jayesh.
Congratulations to you and your son. The options you put are all excellent. There is no need to search other options if he is getting admission to one the mentioned institutes.Yet to suggest, you can prefer either BIT Mesra or IIIT Raipur. Best of luck to your son for his bright future.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hi Puneet
Choose NIT Trichy – Mechanical Engineering if you're passionate about core mechanical fields, value a strong academic foundation, and are interested in industries like manufacturing, automotive, or energy.

Choose NSUT Delhi – ECE if you're inclined towards electronics, communication, or software roles, and wish to leverage the advantages. The average salary here is higher than Mech at Trichy.

If you want NIT tag then go for NIT Trichy.

Ans: Hi Amit
at this rank, Vellore seems difficult. You may get Chennai or Bhopal. You can try BVP at Mumbai. As many colleges which are under Mumbai University don't have the upgraded course.

Ans: Hello;

You may shortlist health insurers based on following factors:

1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.

2. List of network hospitals across the country and around the places that you generally operate. The more the better.

3. List of black listed hospitals so as to avoid them.

4. Low waiting period for pre-existing illnesses.

5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.

6. Reputation in the market.(Capital adequacy)

7. List of permanent exclusions

8. No sub limit on daily room rent.

9. Alternative therapies covered(Ayurveda, homeopathy etc).

10. Psychiatric treatments coverage.

Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.

This way the chances of claim rejection are reduced.

You may also consult an insurance advisor if required, for further clarity.

Best wishes

Ans: Hello;

It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.

Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.

Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.

And please do take adequate health care cover for you parents at the earliest.

Best wishes;