Sir, I am Karta of HUF. My two daughters and wife are other members. I have following questions. 1) Can HUF give any amount of tax free gift to any of above members or gift should be distributed equally? 2) Is wife possess equal rights as other members of HUF ? 3) Can HUF deposit amount to PPF account of wife and HUF can claim for 80 CC deduction for above amount? I will be highly thankful to you by receiving guidence.

Ans: Hi Devaraj,

You can definitely eat rice and yet keep your blood glucose levels under control by keeping these 2 things in mind:

1. Eat stale rice: which means cook and cool rice in refrigerator for 8-10 hours before consuming. Most of my clients consume rice the next day after cooking. You can reheat the rice in microwave for a minute before consuming. This process of overnight refrigerating produces Resistant Starch (RS) in rice. Like the name suggests, this starch is resistant to digestion therefore it will not spike your blood glucose levels.

2. Low glycemic load: Along with rice, make sure you have enough proteins and fibre to lower the glycemic load of that meal. If you manage your portions, it will not spike your blood glucose levels.

Hope this is helpful :)

Ans: Hello,

Firstly, thank you for contacting us. To answer your question, while the application process for foreign nationals may have slight variations compared to Indian students, your daughter should not face any issues when pursuing an undergraduate degree in finance or economics at top universities in India as many institutions have a well-defined process for international students. While she may still need to take entrance exams, the process is generally straightforward, and her excellent academic performance will put her in a great position. I’d recommend visiting the specific university websites to understand the details, but overall, she should be in a great position to pursue her goals in India.

Additionally, since she is already a US citizen, she might also consider pursuing her degree in the USA, where there are abundant opportunities in Finance and Economics, with no visa concerns to worry about.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: Hello,

To begin with, thank you for contacting us. I am happy to hear that you want your son to pursue his MS in Computer Science abroad. As an answer to your query, I would like to tell you that although competition is high, the USA, particularly with its OPT (Optional Practical Training) and H-1B visa pathways, provides lucrative job opportunities after graduation. In comparison to the USA, studying in the UK is more economical, and the country also provides a two-year post-study work visa, making it easier to stay and work. If you are prioritizing long-term citizenship, then bear in mind that the USA has a more complicated and prolonged process, whereas the UK provides a more straightforward route to permanent residency. Lastly, I would like to let you know that the decision you make should be based on your budget and long-term career or settlement objectives.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Hello NANCY,

First and foremost, thank you for getting in touch with us. I am glad to know that your nephew has completed his BSc in PCM and now wishes to pursue Supply Chain Management in Germany. As an answer to your query, I would like to tell you that even after a BSc in Physics, Chemistry, and Mathematics (PCM), your nephew can certainly pursue Supply Chain Management (SCM) in Germany. Nevertheless, he may be required to demonstrate pertinent abilities or complete prerequisite courses. Completing an online crash course in India can assist him in acquiring foundational knowledge as well as boost his application. Owing to its robust logistics industry, Germany is a wise decision, nevertheless, the USA, Canada, and the Netherlands are the other leading countries for SCM. I would suggest that your nephew reviews the university prerequisites and thinks about acquiring some related professional experience or certifications.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Hello,

First of all, thank you for reaching out to us and congratulations to your son on his outstanding SSC results. To answer your question, given your son’s strong academic record and aspirations in business management, I would suggest considering countries like Germany, Canada, the USA, and the UK. Germany and Canada offer relatively low tuition fees with scholarship opportunities, such as the DAAD for Germany, while the USA and UK, though higher in costs, provide various merit-based scholarships. In particular, the USA offers the potential for high-paying jobs after graduation, which can help recoup the investment in education very quickly. For the 11th-grade stream, considering his strengths in mathematics and science, opting for the commerce stream with mathematics would be a solid choice. This would provide him with a strong foundation for business management while keeping future options open. Additionally, incorporating subjects like economics could further complement his interests and prepare him for the business field. I wish him all the best in his academic journey.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: Hello Chaithra,

To begin with, thank you for contacting us. To answer your question first, I would like to let you know that by utilizing your creativity and enthusiasm in fashion design, you can relaunch your career. You can think about enrolling in a short-term design course overseas, which can help you acquire abilities, provide networking, and job prospects. Bear in mind that countries like the UK, France, or Italy offer outstanding programs with prospective career opportunities.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Hello,

Thank you contacting us. To answer your question, if you're aiming for a 100% scholarship for a Master’s in Biotechnology in Germany, you should start by exploring the scholarships offered by universities like TUM or LMU and check out DAAD scholarships, which offers fantastic funding opportunities. Make sure your academic record is solid, ideally with a strong GPA in a related field like Biology or Biotech, and highlight any research or work experience. Keep in mind that public universities in Germany already have low or no tuition fees, making it financially manageable even without scholarships, especially with the option to take on part-time work to help cover living expenses.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: Hello;

Surrendering the policy after 5 years of premium payment looks the most appropriate in this case.

Best wishes;
X: @mars_invest

Ans: Hello;

We won't be able to comment on a specific fund on this forum.

However while selecting a fund for long term apart from returns, risk adjusted performance, fund management strategy, track record of the fund manager and fund house needs to be reviewed before making investment decision.

Best wishes;
X: @mars_invest