I am planning to start an educational travel business and in that do I have to pay service tax?

I am a final Year student with the Maharashtra State University and was venturing into Educational travel Business.

Brief Description of the Business:

It will enable the students to go on industrial visit to different industries and different parts of the country.

Thus in this case I wanted to understand the implication of service tax and what are the details needed to be made sure we submit the right documents to prove that we are only doing educational trips.

Also what is the rate of service tax?

I am divorced indian woman earning 15 k at present, how do I make financial planning for retirement & safety?

I am 30 year old divorced indian girl. At present living with my mom and brother. My brother is treating me bad, so I want to be on my own and is planning for safe future so that I do not have to depend on anyone. I have No savings at present. After divorce I started earning again. I am working in private company at present and earning 15k month. I have done masters in commerce with less than 50%. And right now pursuing distance learning mba from sikkim manipal. Though I am looking for second marriage, I do not want to rely on anyone in my life. I want to stand on my own feet and want safe retirement. Can someone suggest how do I handle my finances so that I can buy small home on my own at ahmedabad within next 2-3 years (for my safety as incase if my 15 year old brother get married in future & his wife do not want me at same place) & how much should I invest from my salary to get safe retirement and enough pension during old age. Pls suggest. Pls do not answer like consult financial planner etc. I am asking here so that I can get suggestion here.
@John, its 15000 rupees. I am living in India only.