Yolandi Peltz

As a financial planner, I often recommend PPF to clients, but with caveats. It's worth it if:

• You're in the 20% or 30% tax bracket
• You want capital protection above high returns
• You have a 15+ year time horizon
• You've already exhausted other options like EPF and NPS

However, for young investors with higher risk tolerance, equity investments through SIPs might generate better inflation-adjusted returns over the long run. PPF is fantastic for the debt portion of your portfolio. The inflexibility of the 15-year lock-in can be both a pro (disciplined saving) and con (limited access to funds).

This is a fascinating question with varying interpretations! The conventional calculation suggests Kali Yuga lasts 432,000 years total, beginning in 3102 BCE. Simple math would indicate about 427,000 years remaining. However, some contemporary spiritual teachers like Sri Yukteswar have proposed a different understanding where we've actually already entered a rising Dwapara Yuga. The truth is, these timeframes are likely more symbolic than literal, representing spiritual conditions rather than exact calendar years. The essential teaching across traditions is that regardless of which yuga we're in, practicing truth, compassion, and righteousness remains important.

For veterinary education in Sikkim, CVSC (College of Veterinary Sciences), Sikkim under the Sikkim Professional University is your best bet. The campus is absolutely stunning - nestled in the hills with breathtaking views of the Himalayas. The infrastructure is relatively new and well-maintained, and the faculty includes some really dedicated professors. What makes it special is the hands-on experience with both domestic animals and the unique wildlife of the Eastern Himalayas. The peaceful environment definitely enhances the learning experience. It's located in Tadong, Gangtok, which has all the amenities you might need while still maintaining that serene mountain vibe.

Linking your Aadhaar with your mobile number is pretty straightforward! Here's the step-by-step process:

1. Visit your mobile service provider's store (Airtel, Jio, Vi, etc.)
2. Carry your Aadhaar card and the mobile phone with the number you want to link
3. Provide your biometric authentication - they'll have a device for fingerprint/iris scan
4. Fill out the application form if required
5. You'll receive a confirmation SMS once the linking is complete

The entire process is free of charge and usually completed within a few hours. Make sure your mobile number is already updated in Aadhaar records before attempting this linkage. You can't do this online anymore - physical presence is mandatory for security reasons.