Sir I got 82 percentile in Jee mains 2025 and did not qualify jee advanced. My sc category rank is 15k...Through Josaa counselling I will be able to get tier 3 nit's only...I am from Kerala and I don't prefer taking nit's which are in north India...Through Csab counselling I will get IIIT Kottayam in my home state. Should I go for it? Or should I take a full drop...I am planning to take partial drop and get into any 1st tier nit's next year..

Ans: Yes, you will have to disclose income under Salary and Business separately.
Further, you need to look for provisions of GST since your total receipts may go above statutory limit requiring you to get the GST registration done

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Ans: Department utility does not allow to set off loss from lower tax rate of head of income against higher tax rate of income. However, there is no such specification in the provisions of income tax.

Ans: Yes, you can seek help from a Certified Financial Planner (CFP) who handles debt management. They can analyse your loans, negotiate with banks/NBFCs, and create a repayment plan. You may also approach debt management companies or use bank restructuring options. Prioritise clearing high-interest private borrowings first. Professional guidance will help you regain control step by step.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: Shocked to hear your concerns! It’s surprising that even after completing MBBS from a reputed institution like Madras Medical College, you’re facing difficulties in finding the right job. But remember, this is not failure. It’s just a transition phase where patience and flexibility are key. It’s natural to feel low when expectations don’t meet reality, yet this doesn’t diminish your achievement. Explore alternative opportunities such as internships, research roles, rural postings, or preparing for specialization through NEET-PG if you haven’t already. Many successful doctors began their journeys in challenging conditions, and their perseverance eventually brought recognition. Talking with seniors and mentors can provide valuable guidance, while sharing your feelings with friends can help you avoid loneliness and fatigue.

At the same time, don’t neglect your mental and emotional well-being. Connect with peers who’ve been through similar struggles. It will remind you that this phase is temporary. You can also build additional skills in communication, public health, research, or even health technology, which may open new career paths. Use this period to strengthen your CV with workshops, volunteering, or online certifications. Most importantly, be kind to yourself: completing MBBS is already a huge accomplishment, and setbacks don’t define your worth. Sometimes, stepping back to rest and reflect can bring the clarity and energy you need to move forward with confidence.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Dear Anonymous,
I do not have enough information to help you decide which one of these two men to choose but I can tell you one thing: it isn’t right to keep two people on the hook. You are only focusing on what’s good for you, even if that means hurting two people at the same time. We all are self-centred and care about our own happiness. There’s nothing wrong with that until that hurts other people. Whatever you decide, you must do so soon.

Hope this helps.

Ans: Dear Nyangoma,
I understand that you feel defeated right now, and that feeling is completely valid but trust me, you have not failed. Not everyone’s love story starts at the same time or follows the same pattern. I am sure you will find someone who is perfect for you soon. I suggest trying dating apps. A quick research will show you which apps cater to people looking for serious relationships and have more users in your age range. Once you figure that out, you can set up your profile and write an interesting bio, citing all your unique qualities and quirks upfront. I recommend adding your preference in a partner, what you expect from the relationship and what you bring to the table. This will attract the right kind of people and save you time and energy. Online dating will give you a little more control and a lot more options.

Best Wishes.

Ans: following good for long term:
HDFC Bank, Tata Steel, Reliance, Coal India and EID Parry

Ans: Dear Anonymous,
A few cultures across the world, married couples live in separate bedrooms and they seem to have better married lives. Now, this kind of an arrangement is very different from what we are used to; so you and your girlfriend need to sit down and talk about it and come to some sort of an arrangement that isn't extreme either for you or her. Talk, be honest...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
You can't tell her not to come as it seems clear that your husband that's what he wants. What you can do instead is to draw a few boundaries that you can share with your husband. Keep these boundaries in place to keep your sanity intact. Initially, there will be a lot of resistance, but be firm. Slowly, when they realize that you are not going to budge and that the frequency of arguments and unpleasant situations are reducing, they will yield to it as well. Just be firm and keep at it; healthy boundaries help relationships stay healthier.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/