2. The name of deceased has been deleted from the joint bank accounts. Can the refund be credited to an account of the husband? The
account number will remain as it was in the last ITR.

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: IN ONE SENTENCE - " IISER GRSADUATES ARE HAVING GREAT PROSPECTS IN GOVT. JOBS. BUT THE BOND WILL BE THERE" Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: Certainly Dear. Agriculture is the base of all. GO AHEAD and conquer the world. DO B. Tech agriculture, if possible go for M. Tech also. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: First be familiar with the changes which crept into the IT industry during the time of your gap, otherwise you will not be able to maintain the present pace. Secondly stop searching for govt. jobs. IT future lies in private only. One very good suggestion is there. Pursue 2 years online MBA in IT. It will cover many things which are presently in the market. Have 1/2 certificate course of AI & Machine Learning immediately and start applying for new jobs. I guarantee you will get good placement. I am always there for you. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: Certainly. There are many good Ceramic Industries in India. Just search in google. You will get many. It's a need of the day. No interior decoration is possible without the support of Ceramic Industry. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: If the financial condition permits let her go for MS from a reputed university of USA. She needs good GRE SCORE, TOEFL score around 105-110, three good recommendations from her professor, a sloid SOP (statement of purpose) and approximately a funding between 80 lakhs to 1 crore. Don't lose hope and never discuss negative things in front of your daughter, it will affect her mental set up and enhance her anxiety. Everything will be OK. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling.Best of Luck. Professor...................:)

Ans: Unless you go for BE (Civil) and M.Tech Structures you can't be an officially recognized Structural Engineer. But the present condition won't allow you to do BE (Civil) and M.Tech (Structures) by leaving you job and you are married too. So I would suggest you to appear for the AMIE exam. It is hard, but at least the scope is there. After completing AMIE you will be equivalent to BE ( Civil). After that even if you don't go for M.Tech it will not create any problem. Because AMIE with such a big experience will help you to stand as a sound structural engineer in the market. Join me in LINKEDIN for permanent connectivity and counselling. GOD BLESS YOU. Professor...................:)