I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 13yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She is honest in her married life but after these incident she don't want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a condition to give our relationship a NAME in society. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide

Ans: Hello Surander
Foreign-trained doctors would need an employment offer with a hospital or healthcare institution in Singapore before applying for accreditation to SAB. SAB will only accredit a doctor for specialist practice based on the approved list of specialities and sub-specialities.
So the steps would be:
Secure a job with one of the many healthcare institutions in Singapore;
Register with the Singapore Medical Council (SMC); and.
You must get Accredited by the Specialists Accreditation Board (SAB) before registration if you are practising as a specialist.

Ans: Hi,
you don't need to panic.
just follow the instructions.

The candidates are instructed to follow the following dress code while appearing for NEET
(UG) - 2024:
a. Heavy clothes and/or long sleeves are not permitted. However, in case, candidates come in
cultural/ customary dress at the Examination Centre, they should report at least an hour
before the last reporting time i.e. 12.30 pm so that there is enough time for proper frisking
without any inconvenience to the candidate while maintaining the sanctity of the
examination.
b. Slippers, and sandals with low heels are permitted. Shoes are not permitted.

Ans: Hi,
Pursuing M.Sc from any NIT is a good option.

Ans: Hi,
If you really want to be a doctor and have prepared well, it will be worth it.

Ans: That's a significant amount to invest, and it's great that you're considering your options carefully. Since you're looking to invest in India, Mutual Funds (MFs) can offer a diversified and potentially rewarding investment avenue. Here's a suggestion for both short-term and long-term investment:

Short-term Investment:
Consider investing a portion of your funds in Liquid Mutual Funds. These funds invest in short-term debt instruments with a maturity period of up to 91 days, providing liquidity and stability. They are ideal for parking funds temporarily while you decide on your long-term investment strategy. The repatriable nature of these funds allows you to easily convert your investment back to USD whenever needed.
Long-term Investment:
For long-term wealth accumulation, you can explore Equity Mutual Funds. These funds invest in a diversified portfolio of stocks, offering the potential for higher returns over the long term. Since you have a longer investment horizon, you can consider a mix of large-cap, mid-cap, and flexi-cap funds to spread risk and optimize returns. Equity Mutual Funds have the potential to outperform other asset classes over extended periods.
It's essential to assess your risk tolerance, investment goals, and time horizon before making investment decisions. Additionally, ensure that the investments you choose offer the repatriable feature, allowing you to repatriate the funds back to your foreign account if needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and help you make informed investment choices.

Ans: Mutual funds do not offer interest rates like traditional fixed deposits. Instead, mutual funds generate returns through capital appreciation and/or income distribution. Here's how mutual funds can potentially provide higher returns:

Capital Appreciation: Mutual funds invest in a diversified portfolio of securities such as stocks, bonds, and other financial instruments. When the value of these underlying assets increases over time, the mutual fund's net asset value (NAV) also rises, leading to capital appreciation for investors.
Dividend Income: Some mutual funds, particularly equity funds, may distribute dividends to investors from the profits earned by the underlying investments. Similarly, debt funds may generate income through interest payments received from the bonds or fixed-income securities held in the portfolio.
Compounding: Mutual funds offer the benefit of compounding, where returns earned on investments are reinvested to generate additional returns over time. Compounding can significantly boost the growth of investments, especially over long investment horizons.
Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research and analysis. Their expertise and active management can potentially generate higher returns compared to individual investors managing their portfolios.
Diversification: Mutual funds pool investments from multiple investors and diversify across various asset classes, sectors, and securities. Diversification helps spread risk and reduce the impact of volatility on investment returns, potentially enhancing overall returns.
It's important to note that mutual fund returns are subject to market risks, and there are no guarantees of returns or capital protection. Investors should carefully consider their investment objectives, risk tolerance, and investment horizon before investing in mutual funds. Consulting with a Certified Financial Planner can provide personalized advice and help investors make informed decisions aligned with their financial goals.

Ans: For a short-term lump sum investment of 20-30 lakhs, consider mutual funds that prioritize capital preservation, liquidity, and potential for modest returns. Here are some options to consider:

Liquid Funds: Ideal for short-term investments, liquid funds invest in short-term debt instruments with high credit quality and low interest rate risk. They offer liquidity and stability while providing slightly higher returns than traditional savings accounts.
Ultra Short Duration Funds: These funds invest in a mix of money market instruments and short-term debt securities, offering slightly higher returns than liquid funds with a slightly longer investment horizon.
Low Duration Funds: Low duration funds invest in short-term debt instruments with slightly longer maturities compared to liquid and ultra short duration funds. They provide a balance between returns and risk, suitable for investors with a moderate risk appetite.
Short Duration Funds: These funds invest in a diversified portfolio of debt and money market instruments with a duration typically ranging from one to three years. They offer higher potential returns than ultra short and low duration funds, with a slightly higher level of risk.
Bank Fixed Deposits (FDs): While not mutual funds, bank FDs offer a safe and predictable return on investment for short-term parking of funds. Consider spreading your investment across multiple banks to benefit from deposit insurance coverage.
Before investing, assess your investment horizon, risk tolerance, and liquidity requirements. Ensure that the chosen funds align with your financial goals and investment objectives. Additionally, review the track record, expense ratios, and fund manager credentials of each mutual fund to make an informed decision.

Consulting with a Certified Financial Planner can provide personalized guidance and help you select the most suitable mutual funds based on your specific financial situation and objectives.

Ans: opting for a pure term life insurance policy is generally advisable over a return of premium (ROP) policy. ROP policies tend to have higher premiums, as they offer to return premiums at the end of the term if the policyholder survives. However, this feature often comes at the cost of higher premiums, making it less cost-effective in the long run.

With pure term insurance, you pay lower premiums for the same coverage amount, ensuring that your family receives a substantial sum assured in case of your unfortunate demise. It's a straightforward and transparent form of protection without any investment component or frills attached.

When selecting an insurance provider, prioritize companies with a strong track record of claim settlement and customer service. Look for insurers with high claim settlement ratios and positive reviews from policyholders.

Remember, the primary purpose of life insurance is to provide financial protection to your loved ones in your absence. By opting for a pure term policy, you ensure that your family receives the necessary financial support without any unnecessary frills or complexities.

Ans: With a corpus fund of 20 lakhs, generating a monthly income requires a prudent investment strategy. Consider allocating a portion of your corpus to income-generating assets while preserving capital. Here are some potential strategies:

Fixed Deposits (FDs) or Recurring Deposits (RDs): Invest a portion of your corpus in FDs or RDs with banks or NBFCs to earn a fixed interest income monthly.
Debt Mutual Funds: Consider investing in debt mutual funds that focus on generating regular income through interest payments from debt securities. Choose funds with a track record of stable returns and low expense ratios.
Dividend-Paying Stocks: Invest in dividend-paying stocks of established companies to receive regular dividend income. Focus on companies with a history of consistent dividend payouts and strong fundamentals.
Systematic Withdrawal Plan (SWP): Implement an SWP in mutual funds to systematically withdraw a fixed amount from your corpus each month. Opt for funds with a balanced allocation to equity and debt for stability and growth potential.
Real Estate Investment Trusts (REITs) or Infrastructure Investment Trusts (InvITs): Consider investing in REITs or InvITs, which distribute a portion of their rental income or infrastructure project cash flows to investors as dividends.
Annuities: Explore the option of purchasing annuities from insurance companies, which provide a regular income stream in exchange for a lump-sum investment.
Before implementing any investment strategy, assess your financial goals, risk tolerance, and liquidity needs. Diversify your investments across asset classes to mitigate risk and optimize returns. Consult with a Certified Financial Planner to develop a personalized income-generating strategy tailored to your financial objectives and circumstances.