Hi,,I am 45 years old and for the last 6-7 months I have been experiencing irregular sleeping patterns at night, significantly discontinuous sleep after 3 hours of deep sleep.I had suspected sleep apnea but that was ruled out by a doctor.I have tried meditation, melatonin and jaiphal but those only aid in sleep arousal and don't contribute much to continued sleep throughout the night..Kindly advice

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.

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

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.

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!

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!

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.

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.

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.

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)