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Geeta

Geeta Ratra  |125 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Feb 14, 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
Indian Question by Indian on Feb 14, 2023Hindi
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Career

Hello Geeta, My daughter is a US citizen currently residing and studying in India and will appear for her 10th. What are the options for UG medical in US for her? Any preparations required. Her aim is to be surgeon later in PG. Which are the good UG college recommended? Does she get preference as US citizen in admission procedure. Thanks

Ans: Hello,
To be a surgeon in USA, your daughter needs to complete the bachelors in UG program with Paramedicine courses such a Biomedicine, Health Science, Food and Nutrition, Human Biology, Immunology, Kinesiology etc. Post that she need to clear the entrance Medical College Admission Test – MCAT in order to qualify for MD degree to become a doctor.

Below are top rate college in USA
Harvard Medical School
The Johns Hopkins University
Washington University School
University of Califorinia
Baylor College of Medicine
University of Washington
Geisel School of Medicine
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Sushil

Sushil Sukhwani  |297 Answers  |Ask -

Study Abroad Expert - Answered on Aug 09, 2023

Asked by Anonymous - Aug 08, 2023Hindi
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Hi, my daughter is studying in 11 class and she has opted for medical. After 12th she would like to go to USA for further studies. Can you please advise few best Universities in USA for medical programs? And complete process as well?
Ans: Hello,

To begin with, thank you for getting in touch with us. Certainly, we’d be glad to assist! Although studying medicine in the United States might be beneficial, it's vital to keep in mind that the application process can be very competitive. Mentioned below are some of the best medical schools in the USA, along with a description of the application process:

Top Medical Schools in the United States:
1. Harvard University
2. Johns Hopkins University
3. Stanford University
4. University of California--San Francisco
5. University of Pennsylvania (Perelman)
6. Washington University in St. Louis
7. Duke University
8. University of California--Los Angeles (Geffen)
9. Yale University
10. Columbia University

Remember that this is not an exhaustive list, as there are several additional good medical universities in the United States.

Application Procedure:

1. Prerequisites: Before applying, your daughter must obtain a bachelor's degree (often a pre-medical or cognate degree) with prerequisite coursework in biology, chemistry, physics, and maths.

2. MCAT: The Medical College Admission Test (MCAT) is a requirement for admission to the majority of American medical schools. It is a standardized exam that evaluates an applicant's understanding of scientific principles, critical thinking, and problem-solving abilities.

3. Recommendation Letters: Your daughter will require outstanding letters of recommendation from professors, mentors, or professionals who can attest to her intellectual prowess and character.

4. Statement of Purpose: Typically, applicants must compose a convincing personal statement outlining their purpose to pursue a medical career, relevant experiences, and attributes that make them a viable candidate.

5. Application via AMCAS or AACOMAS: The majority of medical schools use centralized application systems: the American Medical College Application Service (AMCAS) for MD programs and the American Association of Colleges of Osteopathic Medicine Application Service (AACOMAS) for DO programs.

6. Additional Applications: Some colleges may request secondary applications with additional essays or questions after the initial application. These are used to further determine the applicant's suitability for the program.

7. Interviews: Your daughter will be invited to the schools for interviews, if chosen. This serves as an opportunity for her to learn more about the program and for the school to learn more about her.

8. Acceptance: She will have to select one institution and file the necessary paperwork if she receives acceptance offers.

9. Visa Procedure: The university's office for international students will assist your daughter with the visa application procedure when she accepts an offer.

10. Medical Licensing Exams: After completing the medical program in the United States, she will need to pass the United States Medical Licencing Examination (USMLE) in order to practise medicine.

It's important to thoroughly examine the programs and make appropriate plans because each university may have unique criteria and deadlines. Getting advice from academic advisors, mentors, or business experts might be advantageous because the application process can be complicated.

For more information, you can visit our website.
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Ravi

Ravi Mittal  |169 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 18, 2024

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My boyfriend tells about us to his parents his parents rejected our relationship due to intercaste and they also stop talking to him it's been 4 months his mother don't talk to him .He is in navy . And they also started searching girl for him . He want to maintain distance from me he is not happy he is stressed as his own parents are not talking to him And also maintaining distance to me he talks to me me but just because I can't live without him but he changes in behaviour what to do
Ans: Dear Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!
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Ramalingam

Ramalingam Kalirajan  |606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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Hi sir, i have total 10k for investment of which I'm currently investing 7000rs in icici prudential nifty 50 index fund for 15-20 years, and ready to put 2000 rs for investment.My goals is to earn a cagr of more than 15 percent with 10 k for 15-20 years with little risk. Also suggest some term insurance without good claim settlement ratio and coverage upto 1cr
Ans: Hello,

Given your investment amount and goals, here are some suggestions:

Investment Strategy:

Additional SIP:
Invest the additional ?2,000 in a diversified equity mutual fund to balance your portfolio.
Choose a fund with a track record of consistent performance and a lower expense ratio.
Goal of 15% CAGR:
While aiming for a CAGR of 15% is ambitious, it's crucial to understand that higher returns generally come with higher risks.
Opt for a combination of equity and debt funds to balance risk and return.
Consider small-cap or mid-cap funds for higher growth potential, but be prepared for increased volatility.
Term Insurance:

Coverage of ?1 Crore:
You can consider term insurance plans from reputable insurers that offer coverage up to ?1 crore.
Compare premium rates, features, and claim settlement ratios before choosing a plan.
Claim Settlement Ratio:
Look for insurers with a high claim settlement ratio, indicating their reliability in settling claims.
Avoid insurers with a history of low claim settlement ratios or negative reviews.
Remember, while aiming for higher returns, it's essential to assess your risk tolerance and invest accordingly. Diversify your investments across asset classes and regularly review your portfolio to ensure it aligns with your financial goals and risk profile.

Consult a Certified Financial Planner for personalized advice tailored to your needs and financial situation.
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Ramalingam

Ramalingam Kalirajan  |606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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Hi Sir, This is Murugan, from Chennai, working for an IT company. I have started to invest in NPS for the past 7 months (4216?, 10% of my basic salary) for my retirement plan. My take-home salary is ?60,000 (after NPS deduction). I don't have a debit. I would like to invest ?20,000 for my future and also for my child's (4-year-old) education purposes (long-term plan). Please suggest any ideas to achieve my goal. Thanks, Murugan.
Ans: It's great that you've started investing in NPS for your retirement. To achieve your goal of investing ?20,000 for both your future and your child's education, consider the following suggestions:

SIP in Mutual Funds:
Allocate a portion of ?20,000 towards SIPs in mutual funds. Opt for diversified equity funds for long-term growth potential.
Choose funds based on your risk tolerance and investment horizon.
Child Education Fund:
Create a separate fund or invest in child education-specific mutual funds or SIPs for your child's education.
Start a recurring deposit or systematic investment plan (SIP) to accumulate the desired amount by the time your child starts higher education.
Emergency Fund:
Set aside a portion of your monthly income for an emergency fund, aiming to accumulate 3-6 months' worth of expenses.
Consider a liquid or short-term debt fund for this purpose.
Insurance:
Ensure you have adequate life and health insurance coverage for yourself and your family to protect against unforeseen events.
Review & Adjust:
Periodically review your investments to track performance and make necessary adjustments.
Increase your investments gradually as your income grows.
Remember to maintain a balanced approach between equity and debt investments based on your risk tolerance. Consult a financial advisor to create a personalized investment plan tailored to your financial goals and situation.
(more)
Ramalingam

Ramalingam Kalirajan  |606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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i have worked in 5 different companies from 1992 to 2012 and contributed to EPF and EPS. i have UAN number. Last company i worked and contributed to EPS was till aug2012, Now the company is closed the operation and not updated my service records from 1992.How to get it done? please guide.
Ans: To update your service records and correct the discrepancies in your EPF and EPS contributions, follow these steps:

UAN Portal Login:
Log in to the UAN (Universal Account Number) portal using your UAN and password.
Verify your personal details and check the service history available.
Contact Previous Employers:
Reach out to your previous employers from 1992 to 2012 to obtain your PF account number and passbook or statement.
Request them to update your exit date and contribution details if they haven't already.
EPFO Grievance Cell:
If your previous employers are unresponsive or the company is closed, raise a grievance on the EPFO (Employees' Provident Fund Organisation) portal.
Provide details like company name, dates of employment, and UAN for quicker resolution.
PF Regional Office:
Visit the nearest PF regional office with necessary documents like ID proof, service certificates, and bank passbook.
Submit a written request to update your service history and contributions.
Legal Assistance:
If the above steps don't yield results, consider seeking legal assistance to resolve the issue.
Regular Follow-up:
Follow up regularly with EPFO or the grievance cell for updates on your request.
Keep copies of all communication and documents for future reference.
Remember to keep your communication polite and professional, and maintain records of all interactions for documentation. It may take some time to resolve, but persistence should help you correct your service records and contributions.
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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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