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Geeta

Geeta Ratra  |125 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Mar 06, 2023

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
anil Question by anil on Mar 05, 2023Hindi
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I am in class 12th non-medical, and I want to study abroad, Please guide which are affordable, high-quality education universities I should start prepairing for

Ans: Hi,
There are different colleges and Universities in Canada /Australia/UK/Europe where you can go for study depending on student interest. You can prepare for IELTS academic and depending on your interest start shortlisting the program/courses and get the process initiated.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Oct 06, 2023

Asked by Anonymous - Oct 05, 2023Hindi
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Hello Sir, My son is doing 1st year BSC (BioTech) and wishes to pursue research after graduation. Which overseas University would you recommend for post graduation?
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear about your son’s plans on pursuing research in the field of biotechnology on completion of his Bachelor’s of Science degree. I would like to let you know that several aspects viz., your son’s interests in research, the cost, his professional objectives as well as his individual choices play a key role in his decision to attend a foreign university in order to pursue his postgraduate degree. I would recommend that your son take into account the below mentioned universities that are regarded for their robust programs in biotechnology and life sciences:

1. The UK:
University of Oxford
University of Cambridge

2. Australia:
University of Melbourne

3. The USA:
Massachusetts Institute of Technology (MIT)
Harvard University
University of California, Berkeley
Stanford University

4. Canada:
University of Toronto

5. Switzerland:
Swiss Federal Institute of Technology (ETH Zurich)

6. Singapore:
National University of Singapore (NUS)

Prior to deciding on a university to pursue his research interests, I would suggest that he takes into account the details of the program, potential possibilities for research, the experience of the faculty members, possibilities for funding, as well as the location of the university and it’s overall ambience. Not just that, your son should also examine the prerequisites for securing admission to as well as the application deadlines for the universities he intends to attend. To acquire the best possible advice and seek assistance while deciding on a university that best resonates with his research pursuits, I would recommend that your son also gets in touch with educational instructors and counselors who are at present teaching him. Lastly, the decision he makes should match his academic as well as professional objectives.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Nov 09, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Sir i am a B com graduate from Kerala university, passed in the year 1997 with 58% marks. I am planning to study abroad in any European country. Please suggests me a country as my final goal is to get a PR . Preferred course is an MB Ain finance or PGD.
Ans: Hello,

To begin with, thank you for contacting us. I am glad to hear that you have completed your Bachelor’s of Commerce (B.Com) degree and now wish to pursue an MBA in Finance or Postgraduate Diploma. To answer your question first, I would like to tell you that selecting a European country to pursue your higher studies with the final goal of attaining a PR i.e. Permanent Residency, is rather a major choice. You would be glad to know that exceptional academic possibilities as well as routes to obtaining a PR are offered to international students by a number of European nations. Nevertheless, bear in mind that the particular prerequisites as well as the possibilities of attaining Permanent Residency for each country may be different. As previously mentioned, your ultimate goal is to obtain a PR and for that reason, I would recommend that you take into account countries where the immigration laws for overseas students are conducive viz., Germany, the Netherlands, Canada (although not located in Europe), as well as Sweden. Choosing these countries to pursue an MBA in Finance or a Postgraduate Diploma (PGD) can be a wise decision. Bear in mind that each country may have varying steps that lead to one attaining Permanent Residency (PR), viz., job offerings in sectors that are highly sought-after, professional experience, and language competency. I would suggest that in order to determine the best possibilities for attaining Permanent Residency (PR), you conduct a thorough study on the specified prerequisites for PR, as well as the the immigration laws and regulations for the country of your choosing. Not just that, prior to making an informed choice, ensure that you factor in the living expenses, the standard of education in your area of study, as well as the language prerequisites.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Mar 16, 2024

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Hi sir. My brother has completed his medicine and cleared his gmat with 97 percentile. Considering the financing for his education the tution fees r being charged in crores. He wanna do his mba from abroad top university. Can u suggest some countries and university with financial flexibility.
Ans: Hello Jeevan. To begin with, thank you for contacting us. Congratulations to your brother on scoring 97 percentile in the GMAT exams. I am glad to hear that he wants to pursue an MBA from a top university overseas. Here are some countries and universities with financial flexibility:

1. United States:
Top Universities: Harvard, Stanford, Wharton, and MIT Sloan
Financial Aid: Scholarships, grants, federal loans, private loans

2. United Kingdom: Top Universities: London Business School, Oxford, Cambridge, Imperial College
Financial Aid: Scholarships, Bursaries, and Government Loans

3. Canada:
Top Universities: Rotman, Richard Ivey, and Schulich
Financial Aid: Scholarships, Grants, and Bank Loans

4. Australia:
Top Universities: Melbourne Business School, AGSM, University of Sydney
Financial Aid: Scholarships, government loans, and private financing

5. Singapore: Top Universities: NUS, Nanyang, INSEAD (Singapore campus)
Financial Aid: Scholarships, Grants, and Bank Loans

6. Germany: Top Universities: ESMT Berlin, Mannheim Business School, HHL Leipzig
Financial Aid: Scholarships and Student Loans

Encourage your brother to research each university's financial aid options and consider factors like cost of living, visa regulations, and post-graduation opportunities.

For further assistance, you can get in touch with us.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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My son doing bachelor of Phesiothrepy he wants his post graduation in USA and somr other countries please advise him for some good universities how to get admission and what is the process iam not as good as in financial
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that your son is pursuing his Bachelor of Physiotherapy after which he intends pursuing his postgraduate (PG) studies in the USA. I would like to let you know that although pursuing higher studies overseas can be a fantastic opportunity, taking monetary considerations into account is crucial. As an answer to your question, mentioned below are some suggestions to locate economical options as well as the admissions procedure:

As the first step, your son should look into universities that provide affordable programs, or else, examine programs that offer monetary assistance or scholarships to overseas students. In comparison to others, a few universities might charge cheaper tuition fees. I would suggest that your son searches for public universities or ones that offer robust initiatives for financial assistance. Next, your son should make sure that the universities he is thinking about enrolling in are accredited by recognized accreditation agencies. This guarantees that educational criteria are fulfilled. If needed, your son should prepare beforehand for standardized tests viz., the GRE and TOEFL/IELTS. He can study with the help of various resources available online and in libraries. Remember that the application procedure and prerequisites differ between universities. Ensure that your son adheres to the guidelines set by each university and submits necessary documents viz., his academic marksheets, scores of standardized tests viz., the GRE, scores of English competency tests viz., the IELTS or TOEFL, personal statement, endorsement letters, as well as a CV or résumé. As part of financial planning, I would recommend that your son sets a realistic budget for pursuing higher studies abroad. He should consider the costs of living, tuition costs, medical insurance, as well as other additional expenditures. He should also look into the part-time employment opportunities for international students, and make sure that the work doesn’t hamper his studies. There are a number of scholarships available for international students that your son should look into. Scholarships based on merit or monetary support packages are offered by a number of universities. In addition, your son can explore external scholarship programs provided by governmental bodies, commercial businesses, or foundations. Besides conventional postgraduate programs, your son could look into other options viz., online programs, which may be comparatively cheaper and offer more flexibility. In order to acquire direction and assistance during the application procedure, your son can get in touch with the international student offices at the universities he’s considering. Not just that, he should speak with academic advisors or organizations with experience helping students study overseas.

Remember that there are several renowned universities in the USA and some other nations that are regarded for the robust Physiotherapy programs they offer. In the USA, your son can apply to universities viz., University of Southern California, Emory University, University of Iowa, University of Pittsburgh, and University of Delaware. In Australia, University of Sydney, University of Queensland, and University of Melbourne are well-known for their postgraduate programs in Physiotherapy. Universities viz., King's College London, Queen Margaret University, Edinburgh, University of Southampton, University of Nottingham, University of Birmingham, University of Manchester, and University of East Anglia in the UK are known for their postgraduate studies in Physiotherapy. Your son can consider applying to any of these universities. Your son can also apply to any of these Canadian universities viz., University of British Columbia, University of Alberta, McGill University, University of Toronto, and McMaster University that are well-regarded for their Physiotherapy postgraduate programs. These universities are well-known for their top-notch instruction, hands-on learning, and research possibilities in Physiotherapy. In order to ascertain which program best resonates with his interests, monetary situation, and professional objectives, I would recommend that your son conducts more research on each program. Besides, when selecting, he should also take into account variables viz., the location, amenities, experience of the faculty members, and alumni network.

For more information, you can visit our website.
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Maxim

Maxim Emmanuel  |169 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 25, 2024

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Sir, .I have worked for 5.5 years in my last company but my HR says that I will receive gratuity for 5 years. For those who have worked for 4.5 years, they give it for 5 years but in cases like mine, they reduce it. Also, they have deducted 30 days of my EL w/o giving any logical reasoning saying they do it for all. Pls guide what should I do.
Ans: I have give you a brief explanation about how gratuity is calculated.
Sure this will assist you in understanding the methodologies.

The amount of gratuity for employees whose employer is covered under the Gratuity Act can be calculated using the formula:
Gratuity = n*b*15 / 26

Where n = Tenure of service completed in the company
b = Last drawn basic salary + dearness allowance

For example, you have worked with the XYZ company for a period of 15 years. Your last drawn basic salary along with dearness allowance was Rs 30,000. Hence:

The amount of gratuity = 15 * 30,000 * 15 / 26 = Rs 2,59,615

Two points must be noted here:

As per the Gratuity Act, the amount of gratuity cannot be more than Rs 20 lakh. Any excesses would be treated as ex-gratia.

If the number of years you have worked in the last year of employment is more than six months, then it will be rounded to the nearest figure. Suppose your tenure of service is 16 years 7 months, then you receive the gratuity for 17 years. Otherwise, its for 16 years if it happens to be 16 years 4 months.
In your case 5 years 5 months hence 5 year's as you are below the half yearly for upper round up.


For employees whose employer is not covered under the Gratuity Act, the gratuity amount would be calculated as per the half-month salary on each completed year of service.
The formula is: (15 * Your last drawn salary * the working tenure) / 30.

For example, you have a basic salary of Rs 30,000. You have rendered continuous service of 7 years and the employer is not covered under the Gratuity Act.

Gratuity Amount = (15 * 30,000 * 7) / 30 = Rs 1,05,000.

In regard to your leave,please get a clarification from your HR, as to why they have deducted 30 days of earned leave.
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Kanchan

Kanchan Rai  |168 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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My son is 13, diagnosed with anxiety spectrum at age 8.His medications have reduced , takes fluvoximine 50 at night, but has social media addiction,what should i do?
Ans: Managing a child's social media addiction, especially when they have underlying mental health concerns like anxiety, can be challenging but crucial for their well-being. Start by having an open and non-judgmental conversation with your son about his social media use. Express your concerns about how excessive screen time can impact his mental health and overall well-being.Establish clear rules and boundaries around screen time and social media use. This could include limiting the amount of time he spends on social media each day or setting specific times when he's allowed to use it.
Lead by Example: Model healthy screen time habits yourself. Show your son that you prioritize face-to-face interactions, hobbies, and other activities over excessive screen time.Encourage your son to engage in offline activities that he enjoys and that promote social interaction, physical activity, and creativity. This could include sports, hobbies, art, or spending time with friends and family.Keep an eye on your son's social media use and monitor the content he's consuming. Consider using parental control apps or settings to limit access to certain apps or websites.If your son's social media addiction is significantly impacting his mental health or daily functioning, consider seeking support from a therapist or counselor who specializes in treating addiction and/or anxiety. They can provide individualized strategies and support for managing his social media use in a healthy way.
Encourage Healthy Coping Strategies: Help your son develop healthy coping strategies for managing his anxiety, such as mindfulness, deep breathing exercises, or engaging in calming activities when he feels overwhelmed.
By taking proactive steps to address your son's social media addiction and providing support for his anxiety, you can help him develop healthier habits and improve his overall well-being. Remember to approach the situation with empathy, patience, and understanding, and seek professional support if needed.
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Kanchan

Kanchan Rai  |168 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

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Hi ! I am a 38 year old divorced woman. Its almost 10 years that I got divorced, from a man with whom I was married for 2 months. Since then, I never had a long relationship with anyone. For the past 1 month, I feel I have developed feelings for my cousin (sister) who is 10 years older to me. She too is divorced, long back. (2006). I understand she too has feelings for me. What should I do. Please suggest.
Ans: Navigating feelings for a family member can be complex, especially when considering societal norms and potential family dynamics. It's understandable to feel uncertain about how to proceed in such a situation.

First and foremost, it's important to consider the potential implications and consequences of pursuing a romantic relationship with your cousin. While relationships between cousins are not legally prohibited in many places, they can sometimes face social stigma or disapproval from family members.

Before taking any further steps, it's crucial to have open and honest communication with your cousin about your feelings and concerns. Discussing your mutual feelings in a respectful and sensitive manner can help both of you understand each other's perspectives and make informed decisions about how to move forward.

Additionally, it may be beneficial to seek guidance from a therapist or counselor who can provide support and help you navigate your feelings and the potential impact on your family dynamic. They can also offer strategies for communicating effectively and managing any challenges that may arise.

Ultimately, the decision of whether to pursue a romantic relationship with your cousin is a deeply personal one that only you and your cousin can make. It's essential to prioritize open communication, mutual respect, and consideration for the feelings and well-being of everyone involved.

Regardless of the outcome, remember that you deserve to pursue happiness and fulfillment in your relationships, and seeking support from trusted friends, family members, or professionals can help you navigate this situation with clarity and confidence.
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Kanchan

Kanchan Rai  |168 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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I got married three months ago, during courtship period my ex was in my office but then my marriage wasn't fixed properly ,when it got yeses from both the side I changed my office,but I couldn't tell this to my husband and also I lied about my virginity,he was also not virgin and after marriage I confessed all this ,now he is not forgiving me for my dishonesty and not letting me come home also he abuse me verbally ,slapped me..I also feel like cheated for not letting me know this side of him before marriage..How should I go ahead?
Ans: I'm truly sorry to hear about the difficulties you're facing in your new marriage. It's concerning to hear that you're experiencing verbal abuse and physical violence from your husband. No one deserves to be treated this way, and it's important to prioritize your safety and well-being.

First and foremost, if you are in immediate danger or feel unsafe, please reach out to local authorities or a trusted friend or family member for support. Your safety is paramount.

In terms of next steps, it's essential to seek support and assistance from professionals who can help you navigate this situation. Consider reaching out to a therapist or counselor who specializes in relationships and domestic violence. They can provide you with guidance, support, and resources to help you make informed decisions about your next steps.

Additionally, you may want to consider reaching out to organizations or hotlines that specialize in supporting individuals experiencing domestic violence. They can offer confidential support, safety planning, and resources to help you leave the abusive situation and rebuild your life.

It's also crucial to recognize that you are not responsible for your husband's abusive behavior, and you deserve to be treated with dignity and respect in your marriage. If your husband is unwilling to seek help or change his behavior, it may be necessary to consider your options for leaving the relationship to ensure your safety and well-being.

Leaving an abusive relationship can be challenging, but you don't have to face it alone. There are people and resources available to support you every step of the way. Please prioritize your safety and take steps to protect yourself from further harm. You deserve to live a life free from abuse and violence.
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Kanchan

Kanchan Rai  |168 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

Asked by Anonymous - Apr 13, 2024Hindi
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I am single mother of 12 year old boy and got divorced last year after 7 years of living seperate from my ex husband, I got married in 2010 through matrimonial site and had very toxic and abusive relationship, so I came to my maternal home in 2016 completely. There were many occasions when he approached me and promised to behave properly but failed to do so . He only filed for divorce by making false accusations of being characterless. I gave him divorce and in return I got very less alimony or the amount which was given in cash to them in my marriage. Now I came to know that he remarried and living his life . He is still in contact with my son and sometimes he blame me and my parents for this divorce. My first question is that is he trying to manipulate my son ( he is not bearing any education expenses of my son) And when I ask my son if I can also move on in my life, he refuses and says I don't want to share you with anyone. So I am very confused.
Ans: I'm sorry to hear about the challenges you've been facing. It sounds like you've been through a lot and are trying to navigate a difficult situation for both yourself and your son.

Regarding your ex-husband's behavior, it's possible that he may be trying to manipulate your son, especially if he is blaming you and your parents for the divorce. Children can be susceptible to manipulation, especially when they're caught in the middle of a divorce. It's important to maintain open communication with your son and reassure him that the divorce was not his fault and that both you and your ex-husband still love him.

As for your son's reluctance to see you move on, it's not uncommon for children of divorce to struggle with the idea of one or both parents moving on and forming new relationships. Your son may fear losing the close relationship he has with you or worry about how a new relationship might change his life. It's essential to validate his feelings and reassure him that your love for him will not change, regardless of any new relationships you may have.

It might also be helpful to involve a therapist or counselor who can work with both you and your son to navigate these emotions and provide support during this challenging time. Additionally, continuing to foster a strong, positive relationship with your son and maintaining open communication will be crucial as you both move forward.

Ultimately, while it's important to consider your son's feelings, it's also essential for you to take care of yourself and pursue your own happiness. Balancing your needs with those of your son can be challenging, but with time, patience, and support, you can find a way forward that works for both of you.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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