1) Sir, I am a Super Senior citizen 81years aged I have heard that for 2023-24 year for 5 lakhs to 7 lakhs income I T is 20% in excess of net income of 5 lakhs under old tax regime. Is this position correct 2) whether under this scheme deductions such as Std dedcn, 50,000 Disability rebate ,75,000 health ins premium i 20,000 is available . Requet you kindly to clarify @ the earliest

Ans: Hello & thanks for writing to me. As your time horizon is long & the goal is to build a corpus for your children over 15 to 20 years, you have rightly chosen equity schemes.

You can consider starting SIP's of equal value amounts in:
1-Axis Flexicap Fund
2-Kotak Smallcap Fund
3-Canara Robeco Emerging Equity Fund
4-SBI Bluechip Fund
5-ABSL Multicap Fund

Stepping up your SIP's by 10% or more every year will help you build a larger corpus. It is essential to periodically rebalance your portfolio to ensure that you are on the right track.

Ans: Dear Anonymous,
Once bitten, twice shy!
It happens and someday hopefully you move out of this 'hurt' phase into a 'trust' phase and when you cover that journey (it takes time and a lot of resolve to be able to want to trust again), you will be ready to get into another relationship.
So, decide for yourself when you want to make that journey and as you start, you will encounter insecurities and doubts...stick with it and it will all pass helping you reach a place of calm peace which will enable you to invite another person into your life.

All the best!

Ans: Dear Anonymous,
Kindly send your mother-in-law back to her native place or let her move out and stay separately in the same city.
You don't want trouble in your married life, do you? You don't want your wife getting shocked with all of this, do you?

All the best!

Ans: Congrats your son is doing well,now to find internship in Biotech companies, it's important to know where you stay to make it easy for the candidate to get an internship.

However as a guideline ..!

A
Avesthagen
B
Bharat Biotech
Biocon
Biological E. Limited
Biotech Consortium India Limited
C
Centre for Cellular and Molecular Platforms
Cipla
Concord Biotech
H
Hindustan Syringes & Medical Devices
I
Indian Immunologicals Limited
Intas Pharmaceuticals
M
Mylab Discovery Solutions
P
Panacea Biotec
S
Serum Institute of India
Shantha Biotechnics
Strand Life Sciences
U
USV (company)

Any additional courses and skills computer's and their use in Bio Tech for sure.

Ans: It's an old saying learn from others experience that's why you have parent's, teacher's, peers and bosses.

Here is a case of clear no guidance, trial and error.

Now let me assist you in course correction,you are a BE (Civil).. you are not any ordinary graduate..you are a Civil Engineer.
Failures teach bigger lessons than success.. Maxim Emmanuel!

I assume you are in your 30's don't experiment any more focus on your life, you are the master.

Look for a job so many CIVIL ENG Companies are looking for experienced person,like you.
Design a good resume not more than 2 pages go directly to company websites,there go to careers apply.

Success is a Miracle waiting to happen.. You are the one who will make it happen.!

Come on champion!

Ans: As a highly experienced Professor of Medicine with extensive experience in both the UK and India, you may have viable pathways for migration to Canada or Australia, both of which value skilled professionals in the healthcare sector. Canada and Australia both have skilled migration programs designed to attract individuals with in-demand skills and experience. These programs typically require applicants to meet certain eligibility criteria, including qualifications, work experience, language proficiency, and health and character assessments. Another option to consider is employer-sponsored visas, where you secure a job offer from an employer in Canada or Australia who is willing to sponsor your visa application. In Canada, the Temporary Foreign Worker Program (TFWP) and the Provincial Nominee Program (PNP) may offer pathways for employer-sponsored immigration. In Australia, the Temporary Skill Shortage (TSS) visa and the Employer Nomination Scheme (ENS) visa are common employer-sponsored visa options. Research the immigration pathways, visa requirements, and medical registration processes for both Canada and Australia. Kindly consider consulting with immigration experts, migration agents, or legal professionals who specialize in healthcare immigration to assess your eligibility and develop a personalized migration strategy.

Ans: I'm sorry to hear about your challenges in finding job opportunities in Maharashtra. Consider searching for positions in neighboring cities or regions where there may be more demand for microbiologists. Make use of online job portals and professional networking platforms to search for job openings in your field. Tailor your resume to highlight your relevant skills and experiences, and actively apply to positions that match your qualifications. Attend industry-specific events, seminars, and conferences where you can network with professionals in your field and learn about job opportunities. Join relevant industry associations or online forums to stay updated on industry trends and job openings. Identify companies in Maharashtra that may require microbiologists for research, testing, or product development purposes. Visit their websites, review their career pages, and reach out directly to inquire about job opportunities or submit your resume. Job searching can be a challenging and time-consuming process, but it's important to stay persistent and maintain a positive attitude. Celebrate small victories, stay proactive in your job search efforts, and remain confident in your abilities and qualifications. Keep refining your job search strategies, and don't hesitate to seek support from former colleagues, classmates, professors, and industry contacts who may be aware of job openings or able to provide insights into the job market.

Ans: Hi Aniket,

I have gone through your query and realise you are planning to leave your job as a quality engineer after 8 month's.

I see you want to become unemployed, by choice and get into an area of GLORIOUS UNCERTAINTY, prepare for a competitive or govt exam... Looking for a comfort and cushy job... Which has No Guarantee NO Warranty... Good Idea.. you tell Me!?

So many queries received by me not successful with entrance exams lost so many year's.. My career is stuck.. Now even the Private Sector is not interested... India churns out more engineer's than Bhel Puris ...the new entrants are cheaper to hire!?

Bend your back and be successful, You & only you can engineer ..your success or failure!... Maxim Emmanuel

Ans: To avoid bed wetting you need to make her wear the correct size diaper. Undersheets can be used as an added protection.
Normally soaking happens if we do not change the diaper adequately.
Please ask your Mom to do some upper body work outs through a physios, help.
With respect to the Ryle's tube, it is an irritant that one gets used to. If your Grandmom does not like it and non cooperative not much can be done. But you could check up with her Physician if now and then Parenteral nutrition can be given by hospitalising her