Dear Mr Anil, I read your column with lot of interest. It is really very useful info.

My son and daughter were working in India and contributed for 2 years and 3 years in NPS 1 and 2. My son went to USA for studies and now started working; my daughter too is working in USA after marriage. They both also have PF accounts.

We have so far contributed to all these 3 schemes i.e. NPS1, 2 (aprrox 10K to 20K pa) and 1.5L each to PPF accounts so far. But, there is a doubt now due to their converting into NRI status.

Can they continue contributions to NPS 1, 2 and PPF accounts? They are filing returns so far but with NIL income (there is only a small interest income from their NRO accounts). We cannot even withdraw amount from NPS1.

Look forward to your expert opinion.

Ans: If you get integrated Ph.D programme in USA you can go for it and after completion of 32 credits you can exit also with MS degree. If you pursue MS then I would recommend only MS. Be in my LINKEDIN list for having permanent counselling many times in future. If you get Ph.D (integrated) then certainly don't go for Masters. I will be always showing you the correct path. There is hidden fire within you, I will only add a spark to ignite it which will take you to a great height.Bye and best wishes. Professor

Ans: You can, but let me know what you are doing right now. Have you taken admission in some other courses. Let me know your age. Here the questions are assigned to me through rediffmail. So second time whether your question will come to me or not is not known to anyone of us. Due to the policy I can’t share my email ID and Phone Number. But I would request you to follow me in LINKEDIN and send request so that I can accept you, then through LINKEDIN I can counsel you in the future multiple times. Through LINKEDIN I will be readily and easily accessible. I have counselled and changed thousands of lives. As long as I am there I won’t allow you to be defeated. Mind that always I am there with you like an invisible shadow to show you the right career path. Best of Luck. You just need a spark of motivation to create fire and I will ignite your dormant talent.

Ans: I won't recommend you to go for ESG certification unless you are having a background of Env. Engg and Environmental Impact Assessment. The certificate course of ESG is costly also. I would request you to open your own academy ( if off line not possible then online) and go for only one subject. Let me know your age.Focus only on one subject. You have explored many areas and now you are perplexed. Here the questions are assigned to me through rediffmail. So second time whether your question will come to me or not is not known to anyone of us. Due to the policy I can’t share my email ID and Phone Number. But I would request you to follow me in LINKEDIN and send request so that I can accept you, then through LINKEDIN I can counsel you in the future multiple times. Through LINKEDIN I will be readily and easily accessible. I have counselled and changed thousands of lives. As long as I am there I won’t allow you to be defeated. Mind that always I am there with you like an invisible shadow to show you the right career path.

Ans: I can understand your situation, very much frustrating. But there is no point in lamenting over the spilt milk. Like you many candidates lost 4-6 years for UPSC. Now don't be hopeless. Here the questions are assigned to us. I suggest you to join me in LINKEDIN, where I can take care of you time to time. Mind that no exam is the last exam of your life. Let me know your age and then I will give you further counselling. Send me request in LINKEDIN. Best of luck. I am there for you. No worries.

Ans: Since you are a diploma you are not graduate. So I would advise you to go for an online BBA along with you job. It will take three years. After that go for online MBA. It will take another two years. Keep your job and you may switch to other companies. Within five years you will be a post graduate with another five years experience. Join me in LINKEDIN for permanent relation and counselling. In REDIFF the questions are assigned to us. But in LINKEDIN you can directly contact me. Never be depressed. I am there for you. Best of luck.

Ans: First answer is YEs. But if you apply only to university of Melbourne then risk will be there, because every university has a certain acceptance norms. So being an expert I would advise you to apply to atleast three universities.

Ans: Who told you to switch over to IT? What is your basic degree? I think it must be Mechanical/Production. You left your own stream and in IT sector it is an everchanging field. By the time a students complete his B.Tech the market demand is changed. You must have gone to IT for more money, but the ultimate result is there is a mental break down. Decision makes a man, not hard work. Decisions Decide Destiny. Now first think whether you want to be in IT or again come back to production or not. Join me in LINKEDIN, I have more than twenty thousand followers. Hope I will be able to counsel you again. Because here you can't contact me directly.

Ans: Truly speaking you can't expect much. First thing is that how India will consider the Master degree of Australia is not known to anyone. Even if an American MS comes after ten years of experience he/she will never get the desired and required treatment, hike and salary. India is flooded with Data Science professionals and bodies like Intellipaat are giving certificate in Data Science with collaboration with Chennai IIT or Roorkee IIT. Secondly the reputation of your Australian university is also a major factor. I think you can't expect much. Best of Luck.

Ans: Dear Anonymous,
You are assuming that your lady-friend liked you romantically; she could've considered you a good friend- good friends can have coffee together too. Maybe the reason she blocked you is that you misread the relationship and even discussed it with someone in the office. And since you mentioned you have a wife and she has health issues as well, how do you think things would have worked out between you and your lady friend, even if you knew for a fact that she is interested in you? I suggest you move on from this and also consider opening up to your wife about how the lack of intimacy in your marriage is pushing you to look for the same feelings outside.

Best Wishes.