sir, My age is 72. I am a good personality, and physique and no illness. I was working as an Accounts manager in a company for more than 16 years and I quit that job voluntarily. I am a qualified auditor and also a registered GST and income tax practitioner. If I start my own office it is very difficult to get clients. At present, I am practising home-only( GST and I T returns filling.) I was waiting more than a year. My nature is I do not want to have anybody's support for my livelihood. Sir my question is whether I have to wait to get my job or shall I open my office for practising. I need your valuable advice which does not mean any legality. sivalingam from Bangalore 9742515710 phone no

Ans: Based on the data mentioned above, your Tax liability shall be less in Old Tax Regime (about Rs.25,000.00 without Interest etc.) as compared to new tax regime. You should file your ITR accordingly.
Most welcome for any further clarifications. Thanks.

Ans: Hello Aaryan,

First of all, thank you for reaching out to us. To answer your question, I can tell you that as an aspiring clinical psychologist, your B.Sc. background does not disqualify you from pursuing a Master's in Psychology, but you may need to meet specific prerequisites, such as having some foundational coursework in psychology.

Many Western universities, such as those in the US, UK, or Europe, offer postgraduate programs in Psychology with a clinical focus. You will likely need to prepare for exams like the GRE (for the US) or other relevant entrance tests depending on the country. Focus on excelling in the required exams, and explore scholarships or government-funded options to make your education more affordable. After completing your Master's, you'll be well-positioned to pursue a PhD or Psy.D. in clinical psychology if you wish to continue your studies abroad.

For more information, you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: 01. You should have filed your ITR for F/Y 2021-22, without declaring Rs.14.00 lakhs (received as advance), as Income for the year. Please ensure, that you don't claim TDS (if any deducted on this amount). Declare your total Income in F/Y 2022-23 ITR, working out Capital Gains clearly.
Most welcome for any further clarifications. Thanks.

Ans: Wait for other results, MBA From Top 20 institute is better

Ans: Your thinking needs re-consideration, due to following factors :
01. You have a monthly income of Rs.1,00,000.00. You should first pay your loan taken from the relatives, may be in installments, over a period of 1-2 years. Then, besides paying EMI on Bank Loan of Rs.10.00 lakhs, you should pay some extra amount to clear your loan as early as possible. You would be quite comfortable after payment of your loans.
02. You already have a rental income property, it won't be advisable to sell it & then find a rental income property in another city.
Most welcome for any further clarifications. Thanks.

Ans: 01. Yes, you would be subject to LTCGs while filing the ITR.
Most welcome for any further clarifications. Thanks.

Ans: 01. Details provided in your quarry are not sufficient for a proper reply.
Kindly mention dates of Purchase of Flat, Details of LTCG (Sale & Purchase dates with amount). Please also mention, LTCG if from which item (House Property, Agricultural Land, Industrial/ Commercial Property or from Securities. Bifurcation of Your EMI also needs to be done in Interest & Principal Repayment etc.
Most welcome for any further clarifications. Thanks.

Ans: The first mistake the Indian guardians/parents commit is that too much caring for the child and too much protectiveness. Your son is an adult. Let him explore all the future steps and let him talk to his friends. Now a days children are even busy with mobile in the washroom and parents will look after their future admission steps, this is not acceptable. Now the bird is able to fly, so let him fly. In USA boys and girls become totally independent by 18. But in India even at 28 guardians try to protect them. These words of mine seem to be very bitter, but consider it as a proper vaccine, which will work in future. Just follow me. Regards. Professor.........................................:)

Ans: Dealing with insomnia and anxiety can feel overwhelming, especially when it seems to return after stopping medicines. Yoga and meditation can help you naturally calm your mind and improve your sleep over time.

Here’s what you can try:

Breathing Practices (Pranayama): Start with deep, slow breathing exercises like “Anulom Vilom” (alternate nostril breathing) for 5-10 minutes daily. This balances your nervous system and reduces anxiety.

Gentle Yoga Poses: Practice simple poses like Child’s Pose, Legs-Up-The-Wall Pose, and Butterfly Pose in the evening. These poses relax the body and prepare it for sleep.

Bedtime Meditation: Try a guided meditation or mindfulness practice before sleeping. It helps shift your focus away from anxious thoughts.

Consistent Routine: Go to bed and wake up at the same time daily. Avoid screens an hour before sleep and try reading or listening to calming music instead.

It’s important to learn these techniques with proper guidance. A yoga or meditation coach can design a practice that supports your specific needs. Over time, this consistent practice can help you reduce reliance on medication.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/