Hi! Komal, I am doing intermittent fasting (8:16) and eat twice a day with no snacking in between. I start with dry fruits, fruits, salads and then normal food (dal, chawal, roti sabji) I do this because I have been given to understand that a certain amount of insulin is released every time that one eats. However, I feel I am stuffing myself (both time) Please let me know if I spread my meals during the eating window, will the amount of insulin released remains constant irrespective of the amount of food taken? I don't want insulin spike as I am looking at developing insulin sensitivity and loosing weight. PS: I don't binge when I have my 2 meals. It is one roti and little rice. Many thanks!

Ans: Yes. You will have to pay Income Tax on Short Term Capital Gains. In this case first 2.50 lakhs shall be covered under basic tax limit (under Old Regime) & on balance of Rs.4.00 lakhs, you will have to pay tax @ 20%.
In case of new tax regime basic exemption limit will be Rs.3.00 lakhs & on balance Rs.3.50 lakhs you will pay tax @ 20%. Cess shall be extra in both cases..
Most welcome for any further clarifications. Thanks.

Ans: Heera, The eligibility for JEE Advanced 2025 and 2026 relies on how the test authorities see your situation about your attempts in the Class 12 board exams. Candidates can try JEE Advanced two times in successive years maximum. The first year a candidate shows up for the complete set of tests appears in Class 12. That year is not regarded as an attempt or appearance if you missed all Class 12 board tests for medical reasons and did not receive a result. Your legitimate first look will land around 2024–25. Get in touch with the JEE Advanced officials, show medical credentials, and offer paperwork proving your first honest attempt in Class 12 exams to confirm your eligibility. You will be qualify for JEE Advanced 2025 and 2026 if you re-registered for 2024–25 after missing the tests in 2023–24 for a legitimate medical reason.

Right now, only pay close attention to getting ready for the JEE/Other Engineering Entrance Exam.

Value Addition Suggestion: Instead of depending just on JEE, have Plan B and Plan C, appearing for 5-7 Entrance Exams.

All The BEST for Your Prosperous Future.

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Ans: Swati Madam, HAPPY NEW YEAR!

Try a "Psychometric Test" (of any reliable source) for your son to determine your child's interest, aptitude, attitude, orientation style, and personality style in order to streamline the process of determining the best career option or options for them.

The results of the psychometric test will provide you the top two or three career options for your child, allowing you to choose between the arts and humanities, sciences, and commerce following the 10th Grade.

Your child's academic success across numerous disciplines from 6th Standard to the present is another criterion for determining the appropriate stream.

In order to compete for admission to any of the prestigious universities or institutions following the 12th grade, it is best to begin your child's entrance exam preparation as early as the 10th grade. Please ask if you require any other information.

All The BEST for Your Kid's Prosperous Future.

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Ans: Hi,

The students from the Covid batch have faced numerous challenges and are still struggling to settle down, including those in school. You have done your utmost to support them. Since you have completed your BSc and are now pursuing a degree in Law, you are in a favorable position.

Consider the possibility of becoming a patent attorney, which is a lawyer specializing in intellectual property law focused on securing and protecting an inventor's rights. Even before you complete your course, I encourage you to seek experiences related to intellectual property rights (IPR).
ALL THE VERY BEST.

Ans: Diversification is the key Your portfolio is well-diversified across large-cap and flexi-cap funds. Adding quality mid-cap and small-cap funds enhances long-term growth potential.
Risk Management is required to Balance aggressive investments (mid/small caps) with conservative debt funds.
Tax Efficiency also needs to be considered if tax-saving is needed ELSS funds .
This strategy ensures you balance growth and stability for retirement over the next 15 years. Regularly review your portfolio to align with changing financial goals and market conditions. Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Ans: Repaying a home loan does not qualify as a "purchase" or "construction" of a new residential property, so it won't help you claim the exemption. No, you cannot set off capital gains by repaying your home loan. Your Options are -
Invest in a New Property: To save tax on capital gains, invest the proceeds in another residential property within 2 years (purchase) or 3 years (construction).
Capital Gains Account Scheme (CGAS): If you're unable to invest immediately, deposit the gains in a CGAS before the filing of your tax return for the year of sale. This gives you time to utilize the funds while deferring tax liability. Exemption under Section 54EC: Invest up to ?50 lakhs in specified bonds (e.g., REC, NHAI) within 6 months of the sale to claim exemption.
Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Ans: Continue current SIPs but diversify large-cap allocation slightly.
Allocate additional SIPs in FY 2025 to a mix of large-cap and balanced advantage funds.
Annually rebalance portfolio to maintain an equity-debt ratio that aligns with your risk tolerance and time horizon.
This approach ensures you achieve your retirement goal while managing risks effectively.

Ans: Dear Anonymous,
Do you have an open marriage? If so, I understand what you are saying. If not, do you understand what you are saying?

I am assuming that you have an open marriage- even so, if you are not sure about your colleague's feelings for you or have no idea about her marital arrangements, it would be a terrible idea to approach her with this. Moreover, she has never voiced her interest in you- “loves being with you” is not the same as she loves you romantically or lusts for you. Please tread very carefully.

I am saying all of these considering you have an open marriage. If that isn't the case, I don't think I have to tell you how wrong all of it is, and how much you should focus on your marriage and whatever is lacking in it; you can even try marriage counseling.

Hope this helps.

Ans: Dear Dakshesh,
I can't speak for her, but I can tell you that when a person, man or woman, is pushing you away and voicing their disinterest, it's best to give them their space. It can either be she is not interested in you romantically or she needs time to get there. But you cannot manipulate, push, or convince her to like you that way. If it happens organically, then good. Or else, you should respect her decision. Moreover, don't you think you deserve someone who likes you back the same way and chooses you over everyone else? I sure think you deserve better.
Please let her make her own choices and as for you, make better choices that are good for you. This toxicity and complicated relationship might be subconsciously exciting right now, but it won't be for long. You will get exhausted.

Best Wishes.