I am 52 year old female. I am a divorcee. I got married second time and it was the worst nightmare I went through. He was a hard core narcissist. I somehow stayed back for 4 years. Dont know why i kept on going back to him. It was a hard realization for me. He did everything possible to torture me and my daughter. Abuse, insults, gaslighting, manipulation, whatever one cannot imagine was done. I just hanged on coz i had nowhere to go at this age. This was an added advantage to him. He spoilt all my relationships at my back. I was completely choked living with him. But somehow I finally made some courage and left him forever not disclosing my details to anyone. I remained very isolated and moved to another city. I just ignored everything after that and blocked all his contacts. The main thing here is, it has been 4 years i came out of that relationship, got a divorce again which was very painful for me. But the thing is he has been sending messages for the last 4 years, all abusive language used. I am just ignoring things. Also i dont want to go to police or court coz I have had enough of all that throughout my life. Each time i block and ignore he uses a different number to message. Dont these people get tired doing all such things to another person. What kind of mentality is this. Because of all this I have kept myself isolated and dont mingle much with others. I lost everything Because of that man. Somehow got a job and surviving. I want to know what kind of people are these and what do they achieve doing all this. 4 years after leaving him i still keep getting messages though I maintained my privacy now.

Ans: YES, YOU CAN.

Ans: MRCEM: To achieve MRCEM and to be eligible for college membership, the following exams must be passed in the following order.
MRCEM primary (THEORY BASED -MCQ with SINGLE BEST ANSWERS, ONE SECTION,180 QUESTIONS,3HRS DURATION location: pearson vue test centre)
MRCEM SBA(THEORY, MCQ/SBA, 180Q, 2 SECTIONS, 4HRS - 2+2, LOCATION-PVTC)
MRCEM OSCE: PRACTICAL, OSCE, 16 SECTION, 2HRS42MINS, LOCATION: UK, MALAYSIA, INDIA (CHENNAI, HYDERABAD & KOCHI - REGARDING DATES GO TO THEIR WEBSITE AND REFER).
Both the theory and practical exams can be taken from India.

Ans: Hi,

As there are many things to consider for an early retirement, one of the first is to start thinking about it in a more realistic manner. An early retirement is not necessarily stop working life, but think of it as a more comfortable schedule that provides you opportunities to relax and pursue your passion and interests and live life on your own terms. You may or may not undertake an activity which can be monetized, meaning which provides you some sort of income - not necessarily to cover your living expenses in whole/part. So do give it some thought of how you intend to keep yourself occupied once you retire from your "current schedule". Will you generate any source of income or will you incur/require more expense.

At current age of 52, an early retirement even if we consider at 55 years of age, it a still a long life ahead. I will make a lot of assumptions in my response as these are not known from your query - such as life expectancy of another 30 years, average return of 8% on all investments for future etc. Are the 2 real estate properties earning any kind of rent that can be considered as income.
There are too many variables that go into the calculations for retirement which are specific to each individual and their circle of life.

Generic solution - You have a currently accumulated investments valued at INR 2.65 Cr (all investments less loan).

Current monthly expenses is INR 1 Lac, over which inflation needs to be applied each year (depends on lifestyle and composition of items of expenses).

So if your cumulative investments appreciate at average 8% annually, and your monthly expense increases at 6% annual inflation, your current accumulated investments are just about enough to manage expenses for next 30yrs (excluding tax implications - refer below).

Points to consider -
1. Inflation in real world is more than 6% (depends on the individual)
2. Liquidation of investments e.g. Real estate attract expenses/fees and tax on capital gains as it will be lumpsum
3. PF post retirement will earn interest only for 3 years, so you need to plan to re-invest the amount
4. Interest income on FD attracts tax at slab rate
5. Withdrawal of amount for monthly expense from your investments will attract tax on capital gains (MF and Equity)

I strongly recommend you connect with a Certified Financial Planner for personalized guidance and prepare a plan that will take into consideration your risk profile and overall investment management towards the retirement. Benefits will include a more tax efficient plan which will consider your requirements and ensure retirement goals are achieved and if there is a shortfall - what alternatives you need to consider.

Hope this is helpful and all the best for the future.

Regards
Janak Patel
Certified Financial Planner.

Ans: YES. According to the MH government, you need to wait until they release the notification regarding the further process. It is suggested to visit the official website for updates.

Ans: Hi Lagna,

It seems you haven’t provided the details clearly on this platform. If you could share more information, I’m sure you will receive helpful input.

Based on your message, I understand that you are considering pursuing a career in medicine. If you intend to enroll in a medical program either in India or abroad and plan to practice in India after completion, here are some important guidelines according to the National Medical Commission (NMC):

You must appear for the NEET exam, as it is a mandatory requirement for anyone wishing to pursue graduate medical education in India or elsewhere while intending to return and practice in India. According to the NMC eligibility criteria: “No student shall be eligible to pursue graduate medical education either in India or elsewhere (if they want to return and practice in India), except by scoring the minimum eligible score at the NEET UG exam. The UGMEB will announce the list of eligible students periodically.”

Therefore, I recommend preparing for the NEET exam and trying to secure admission in India itself. If you choose to pursue medical education abroad, you can still practice in India, but you will need to pass exit exams as well.

Regarding your question about pursuing MBBS abroad for under 8 lakhs, are you asking if this is per year or for the entire course? Studying abroad at that cost per year is possible. However, when you take into account the total expenses, which include course fees, accommodation, food, travel, visa, and other costs, it might be more feasible to complete your MBBS in India.

I hope this clarifies your queries!

Ans: Although it is the foundational degree in pharmacy, you will still have good job opportunities.

Ans: Prepare for MBA and along with doing a job. If you get a good college then take it up. Else can continue working and write the entrance exam again.

Ans: Since you have already tried many things, itis best to consult an aesthetic expert who could check u physically, assess your skin and then advice

Ans: Learning is a continuous process. So doing a course in Finance should not be a problem. As far as getting into LnD domain, start with being a faculty in one of the colleges or can start with taking private tuitions. See if it suits you. If it does, then you can decide to make the switch.