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Dr Karthiyayini Mahadevan |1145 Answers |Ask -Follow

General Physician - Answered on Mar 27, 2024

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more

Question by Shrinivas on Sep 16, 2023Hindi

Health

Hi Sir, I am 39 years old. I always feel I will get heart-attack or cardiac arrest in future. I am taken 2D echo, complete blood test, stress test. All the reports and tests are normal. Can you please tell me why I will get heart-attack or cardiac arrest in future. Please help Sir

Ans: It's your feeling. Is the feeling substantiated with any evidence?if not you should not worry
By the way all of us will die of Cardiorespiratory arrest only finally
Your reports are normal, you should not worry

DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Roopashree Sharma |189 Answers |Ask -Follow

Yoga, Naturopathy Expert - Answered on Apr 19, 2022

Question by Anonymous - Apr 19, 2022Hindi

Health

Hi Roopashree, I want to discuss about my mental issue. Last year my colleague died of a sudden heart attack. Since then, I always feel I am going to meet the same fate. I have done ECG and also consulted few doctors who said my blood pressure and heartbeats are normal. But regularly I get chest pains and feel I am going to have heart attack. I have spent most of my life stressful as mostly due to abusive childhood because of my stepmother. I wonder if it is a heart problem or a mental problem. Can you help?

You should address this issue.

Let your mind relax since the reports are clear. Constant worrying will negatively impact on your otherwise healthy system.

Change your routine for a while. Pursue a hobby. If you know swimming, go for it as water is the best natural healer.

Learn meditation; you can start by chanting ‘Om’.

Further, for inner balance and peace, learn a musical instrument and/or learn to sing; it will bring out any suppressed emotions.

We should learn to let go, let the past remain in the past, take positive lessons and move on.

Bring positive affirmations into your life rather than holding on to the negatives.

Please stay away from any kind of addiction.

Consult a wellness expert in case you are not able to cope as suppressed emotions can result in physical ailments.

Latest Questions

T S Khurana |385 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

T S Khurana |385 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Raj - Mar 04, 2025Hindi

Money

Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
03. I would suggest you to get a Certificate of an Architect, who would certify the cost of your property as on 01.04.2001. You may treat this as your Cost for 3 flats and work out your tax details.
Most welcome for any further clarification. Thanks.

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by K - Feb 19, 2025Hindi

Money

I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

Ans: In case you transfer asset to your spouse for inadequate consideration, Income out of such asset will be clubbed in your hands.

Milind Vadjikar |1083 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by shraddha - Feb 22, 2025Hindi

Money

Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Money

Till now I was filing income tax returns every year including the rental income for a flat jointly owned by me and my wife. For AY 2024-25, the rent was included in my wife’s ITR for convenience and no ITR wea filed by me as I had no other income. Is this ok?

Ans: No

Rental Income is required to be offered by owner/owners who has contributed in acquiring the property.

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 19, 2025Hindi

Money

I have sold my flat for 3cr and purchased new flat for 4.5 ...but the builder has taken only 20% and rest 80% at possession..last week 13 th feb 2025 registration is done for new property...I will get possession around June 2025.I have done FD of rest amount.. kindly advice I will be taxed for fd and ltcg.

Ans: For claiming exemption u/s 54, gain amount is required to be invested in buying/constructing new property as per prescribed conditions. Thus, if before filing ITR if gain amount is paid to builder you are not liable to pay tax on LTCG. However, interest on FD will be taxable. Unutilised amount can be kept in capital gain scheme account.

Milind Vadjikar |1083 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 27, 2025Hindi

Money

Sir/Madam, I want to sell my old house. With sale proceeds, instead of buying a property or constructing it, I want to go for investments for my grandchildren future. Where to invest and how to get investment portfolios online taking into account the incometax Implications. And as I am 70+ with heart issues and arthritis problems, kindly please lend your wiser counselling. Awaiting your reply, I remain. Thank you.

Ans: Hello;

How much is the approx current market value of your house?

What is the age of your grand children?

Please clarify.

Thanks;

Milind Vadjikar |1083 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by Gopal - Mar 03, 2025Hindi

Money

I am having 200 shares FV 10 and 20 NCD Part B of FV 10 which were lodged in November 2018 through my DP Moti Lal Oswal Chandigarh branch. Later I came to know that Linkin time return the same with objection to them but I did not receive the same. Now I am having only Photocopy of the same. Kindly advise me how many shares will be given to me and what about my Debentures?

Ans: Hello;

Please sort out the matter between your DP and yourself regarding original share certificates.

I don't think photocopies of share certificates will help.

Which company stock and NCD are you referring to?

Please clarify.

Thanks;

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Chidambaran - Feb 18, 2025Hindi

Money

I sold my land and wanted to buy a flat. Do i have to invest only indexed cost amount on buying new property or entire amount on buying another property

Ans: For claiming exemption u/s 54F, entire sale proceeds of land is required to be invested in buying new property as per prescribed conditions.

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 20, 2025Hindi

Money

I have one house in Haryana is my own name constructed by me in the year 1987 where I am residing at present. I also have another flat in Greater Noida jointly owned by me and by my wife. Now I intend to dismantle my existing house and reconstruct again with new structure with new map duly approved by Haryana Development Authority.I want to know as to whether I can I get exemption under Sec 54F from Capital Gains if I use the entire sale proceeds of Shares/mutual funds on reconstruction of my existing house. Here the point arises that I am not acqiring any new property. but reconstucting my self acauired property by using sale proceeds of Shares/mutual funds.I want to seek your advice as to whether I can avail exemption u/s 54F in this particular case

Ans: Claiming 54F for reconstruction of house can be matter of subject to litigation. In my view, dismantle of existing house and reconstructing new structure can be considered as construction of new house for 54F

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