I am 50 male. Toothache, sometimes appears and disappears in Right upper and lower jaw. Pain in chewing. Also Cold/ hot sensation.

Ans: BDS (BACHELOR DENTAL SURGERY) next option MDS where she could being a lady consider Pedodontics...specialised in child dentistry!

Ans: Hi,

I wish I knew your exact skill sets and job description to guide you more specifically.
I undestand that your job would need good convincing skills to ensure candidate's invest large amounts to go overseas.

If you believe you are good at convincing people do a career switch to sales,good salary and performance incentives too!

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!

Ans: Hello. First and foremost, thank you for contacting us. It is good to hear that you want to study in the USA. For Canadian citizens planning to study in the US while residing in India, gaining a visa stamp becomes important. Let me tell you that you can attend the interview in India,but stamping will be done in Canada or USA if you opt for courier service. If you have any other questions related to your education in the US, feel free to contact us. We assure you good guidance for the bachelor’s and master's programs. Also, we have coaching for TOEFL, IELTS, SAT, GRE, GMAT, etc.

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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.

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.

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.

Ans: To achieve a goal of 1 Crore in 10 years through SIPs, you'll need to calculate the monthly SIP amount considering expected returns and your risk tolerance.

Rate of Return: Assuming an average annual return of 10-12% (considering market volatility), calculate the required SIP amount using financial calculators or formulas.
Risk Profile: Choose funds based on your risk tolerance. Equity funds can offer higher returns but come with volatility, while debt funds provide stability.
Diversification: Opt for a diversified portfolio across asset classes to balance risk and return.
Review & Adjust: Periodically review and adjust your SIPs based on performance and changing financial goals.
Consult a Certified Financial Planner for personalized advice tailored to your needs.

Ans: Given your age and current investment ratio, as an NRI, consider diversifying the EPF money to align with your risk profile and retirement needs.

Equity Allocation: You already have a significant equity exposure; however, evaluate if you want to maintain or adjust this based on your risk tolerance and time horizon.
Debt Allocation: With a 60:40 equity to debt ratio, you might consider increasing the debt component for stability and income generation, especially as you approach retirement.
Tax Efficiency: As an NRI, prioritize tax-efficient investments to maximize post-tax returns.
Professional Advice: Consult a financial advisor to create a customized investment strategy tailored to your NRI status and retirement goals.