Need Expert Advice?Our Gurus Can Help

• Baqar Iftikhar NaqviStart-up MentorCareer Guru
  Ask Baqar Iftikhar
• Vivek LalaTax, MF ExpertMoney Guru
  Ask Vivek
• Pooja KheraLife, Relationship CoachRelationship Guru
  Ask Pooja
• Hemant BokilFinancial PlannerMoney Guru
  Ask Hemant
• Neeraj BatraCA, CS, Commerce ExpertCareer Guru
  Ask Neeraj
• Ulhas JoshiMutual Fund ExpertMoney Guru
  Ask Ulhas
• Aashish SoodCAT, Management ExpertCareer Guru
  Ask Aashish
• Dev AshishMF Expert, Financial PlannerMoney Guru
  Ask Dev
• Sarvesh AgrawalInternship, Online Education ExpertCareer Guru
  Ask Sarvesh
• Dr Pritesh Kumar SinghNEET-PG (Surgery) ExpertCareer Guru
  Ask Dr Pritesh Kumar
• See All
  Gurus

Latest Questions

Mihir Tanna  |730 Answers  |Ask -Follow

Tax Expert - Answered on Dec 07, 2023

Asked by Anonymous - Nov 28, 2023Translate

Listen

Hi My daughter is perusing MS in US . I have taken education loan. How i can claim while filling tax return ? What is the overall limit for higher education

Ans: You can take deduction u/s 80E for the interest paid during the year for 8 years (starting from the year in which loan repayment is started). There is no limit for interest deduction.

(more)

Money

Share

Mihir Tanna  |730 Answers  |Ask -Follow

Tax Expert - Answered on Dec 07, 2023

Question by Dilipkumar - Jun 02, 2023Translate

Listen

Sir, I am Karta of HUF. My two daughters and wife are other members. I have following questions. 1) Can HUF give any amount of tax free gift to any of above members or gift should be distributed equally? 2) Is wife possess equal rights as other members of HUF ? 3) Can HUF deposit amount to PPF account of wife and HUF can claim for 80 CC deduction for above amount? I will be highly thankful to you by receiving guidence.

Ans: No, any amount received by member from HUF will not be considered as gift for income tax purposes.

Further, wife can become member of HUF but can't be coparcener of HUF to get share on partition of HUF.

Amount contributed in PPF is eligible for deduction u/s 80C. However, HUF can not claim 80C for amount contributed for the account held in the name of member.

(more)

Money

Share

Mihir Tanna  |730 Answers  |Ask -Follow

Tax Expert - Answered on Dec 07, 2023

Question by Janaki - Jul 02, 2023Translate

Listen

Tax on joint TD holding at post office

Ans: For jointly held TD, interest certificate is also in join name and accordingly, it should be offered to tax in the proportion of amount contributed in investment

(more)

Money

Share

Samraat Jadhav  |1073 Answers  |Ask -Follow

Stock Market Expert - Answered on Dec 07, 2023

Question by B - Dec 06, 2023Translate

Listen

What are the prospects of Tribhovandas Bhimji Zaveri Shares

Ans: Strong Annual EPS Growth
Growth in Quarterly Net Profit with increasing Profit Margin (YoY)
Book Value per share Improving for last 2 years
FII / FPI or Institutions increasing their shareholding
Data looking good, the only problem is with Declining profits every quarter for the past 3 quarters (which is a red flag) so wait for this quarter and is the numbers are same, then its AVOID.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

(more)

Money

Share

Anu Krishna  |628 Answers  |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 07, 2023

Question by rakesh - Nov 27, 2023Translate

Listen

Hii i am 40 years married man and last 2 years i am in relationship with a married women , we also like each other she also confessed me she love me, in starting we talk long time by phone , she give more effort to meet with me she call me to came his home when she alone but from 3-4 month she not giving that effort to meet with me and not come near me we just talk on mobile we meet some time but not closser like earlier , i am not understanding where is going wrong pls suggest

Ans: Dear Rakesh,
She possibly does not want to mess with her married life.

Respect her choice if she is staying away; it must be because of a good reason. Maybe her spouse found about about you and her. A parallel relationship outside of marriage is filled with a lot of complications; maybe she is unable to deal with all of that...it is difficult...

So respect her choices in this matter...

All the best!

(more)

Relationship

Share

Anu Krishna  |628 Answers  |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 07, 2023

Question by p - Nov 08, 2023Translate

Listen

Hai i am 58 and retired my wife expired 30 months back i had two daughters who are working and yet to be married. very frequently these days i get dreams where i feel i am lost on my journey to somewhere or i am simply attending an office without any proper work or in my dreams i get one of my uncle (who is no more now passed away 7 years back )and his family members with whom i stayed during my studies for six years 40 years back. can you please analyse

Ans: Dear P,
I am truly sorry for your loss...

I am not a dreams analyst or someone who interprets dreams. I can only make a few guesses from what you have shared and suggest something that will guide you to be more positive and happier.
Dreams are a manifestation of deep desires, fears, dark memories, happier memories...dreams basically can indicate what lies deep within the subconscious mind. It's possible from what you share that 'LOSING' your wife has triggered many more situations where you had lost someone or you fear that you might lose someone or something. Maybe that explains the dream of you going to office without paper work...

Losing someone dear is a very difficult journey and it can show up in different ways. The only way can process grief is through time and an understanding that nothing is permanent in life. It's a momentum of give and take, having and losing...Maybe if you are able to consciously adapt and accept this, over time your subconscious mind starts to change and adapt as well. Again, I will reiterate: You certainly will still miss the person and feel sad; it's just that you will start to miss differently as the acceptance will allow you to graciously be in a space of understanding. Difficult BUT Possible!
Also, practice the Art of Gratitude. Being thankful for every little thing, lets you be in a positive space allowing you to be at peace more often.

These are only suggestions from what I could gather from the information that you have shared and not an analysis or interpretation of your dreams.

All the best!

(more)

Relationship

Share

Komal Jethmalani  |248 Answers  |Ask -Follow

Dietician, Diabetes Expert - Answered on Dec 07, 2023

Question by Aniket - Oct 12, 2023Translate

Listen

I am diabetic since last 15 years and taking insulin and tablets since last 8 years. It is observed that there is a protein leakage from my urine. Urinary protein is 2326.5 mg/ 24 hrs. my creatinine is 1.3 mg/dL. my doctor has given me following medicines - Cyblex M80 twice a day , calciguard twice a day , Unistar 5/75mg once in a day , glipon 20mg once in a day , telma 20 mg once in a day. Apidra Insulin 10 units in afternoon and 6 units at night, Toujeo insulin 8 units at night. I want ask you Sir, how much protein and water should i consume daily.

Ans: It is important to consult a healthcare professional or a registered dietitian for personalized dietary recommendations based on individual health status and medical history.

(more)

Health

Share

Komal Jethmalani  |248 Answers  |Ask -Follow

Dietician, Diabetes Expert - Answered on Dec 07, 2023

Question by Sumukh - Oct 18, 2023Translate

Listen

What's the Best Breakfast for Diabetics? can they go with Samosa Kachori Upma and Poha ??

Ans: Meals for diabetics should consist of high fiber foods like vegetables, whole grains, fruits, beans, etc. and protein rich foods like low fat dairy products, eggs, lean meat, nuts, etc. Samosa and Kachori are deep fat fried foods which will increase harmful trans fats in your diet and increase calorie intake. Upma and Poha can be had in moderate quantity provided it contains vegetables, pulses or vegetables to blunt the glycemic index caused by the cereal. A good breakfast for type 2 diabetes should include complex carbohydrates, healthy fats and proteins to help regulate blood sugar levels. Some options include oatmeal with nuts and berries, whole grain toast with avocado and scrambled eggs, or a smoothie with fruits, vegetables, and protein foods like low fat dairy products or beans/pulses. It's also important to drink plenty of water and avoid sugary drinks. It's always a good idea to consult with a dietitian or healthcare provider for personalized advice.

(more)

Health

Share

Komal Jethmalani  |248 Answers  |Ask -Follow

Dietician, Diabetes Expert - Answered on Dec 07, 2023

Question by sarvesh - Oct 25, 2023Translate

Listen

hi mam, i am a heart patient and have been implanted an ICD (device), am taking a pill for BP control & two tablets for sugar control, my weight is 84 kg, i want to control my weight, may you please advice me a diet & other advise

Ans: The process of managing one's weight in order to reach or keep a healthy body mass index (BMI) is known as weight management. A mix of regular exercise, a balanced diet, and lifestyle modifications may be necessary for this. Before beginning any weight-management program, it's crucial to consult with a healthcare provider, particularly if you have any underlying medical concerns. Follow a balanced diet by including salads and vegetables in both meals to increase fiber consumption, protein rich foods like milk and milk products, dals, legumes, soya, millets, nuts , seeds, cereal -pulse combinations, eggs, chicken, fish to increase metabolism . Avoid high fat and high carb foods and remain within nutritional budgets. Ensure regular exercise.

(more)

Health

Share

Sanjeev Govila  |300 Answers  |Ask -Follow

Financial Planner - Answered on Dec 06, 2023

Question by Ratan - Dec 05, 2023Translate

Listen

Sir, I am 61 yrs. old. I want to start SIP of 1000 pm for 3 yrs., in which I can start, so i can get max. return?

Ans: Systematic Investment Plan is the best way to build a corpus. This also instils discipline in investing.

When going for a mutual fund, 3 years is short duration. Always invest for a longer term, say 5 - 7 years or may be even longer to make best use of the market fluctuations.

Choice of Mutual fund depends on the purpose and risk appetite.

If you are old and are a dependent (Low risk appetite): At this point it is better to stick to debt funds/hybrid funds. These are less prone to the market fluctuations since their exposure to equities is very minimal.

There are other schemes as well other than MFs:

1.Senior Citizens Savings Scheme (SCSS) -8.20% p.a. ; Rs. 1,000(Min Investment)
2.Post Office Monthly Income Scheme (POMIS) - 7.40% p.a. ; Rs. 1,500(Min Investment)

(more)

Money

Share

See more questions »

• What is rediffGurus?
• rediffGurus™ is a unique platform that brings together leading Experts in one place. It has four sections -- Health, Money, Relationships and Careers. In each of these sections, there are Experts waiting to help you.

• How will I benefit from rediffGurus?
• Just tell us what's bothering you by submitting your question. We will find the most appropriate Expert to offer you advice. When the Expert answers your question, you will receive an alert on your email ID.

• Can I directly contact an expert?
• Yes, you can submit your question directly to an Expert of your choice on our website. When the Expert answers your question, you will get an alert on your registered email ID/mobile number.

• Can I ask my questions anonymously?
• Sure, you can also ask your questions anonymously. And don't worry; though your identity will not be publicly displayed, you will still receive an alert on your registered email ID/mobile number when the Expert answers your question.

• Do I have to create a personal account to access rediffGurus?
• Yes, you have to register using your mobile number and email ID. Registration is free. When our Expert replies to your question, you will immediately get an alert on your registered email ID/phone number. You can also follow your favourite Experts and get daily newsletters about the questions they have answered. Login using your credentials anytime to see the complete list of the questions you have asked and the responses you have received.

• I can get an instant answer to any question on the internet. How is rediffGurus different?
• rediffGurus is different because, here, you get a 'personalised answer' to each question you ask. Real Experts (and NOT bots!) will go through your question and provide the most appropriate response. You can use the advice of our Experts to make informed decisions.