Dear Pooja,
We adopted a 2.5 year old Maltese terrier last year.
He was quite aggressive when we took him in, to the extent my kids had to take tetanus injections due to his bites.
We realised this was because he had separation anxiety as he was in and out of five houses before us.
He has cooled down a lot with time but occasionally he gets aggressive when he approaches people at the door.
He tends to growl and bite and it is when we least expect it as these people are known to him.
Please advise how to train him.
Regards,
Neetu Nelson

Ans: Hello
The first thing you can do is to register yourself with local AWPO office. Employers do approach them regularly for skilled veterans. Yon can also liaise with their staff (AWPO) with regard to your specific job search.
Also keep looking out in Employment News paper for such notifications.
Best of Luck!
Major Inderpaul
HR Expert, Career & Relationship Coach

Ans: Hi
Pilani is a good choice.
In case of any queries & professional help, you can DM me through insta handle CAREERSTREETS.

Ans: Hi
180 is a good score. You will get into some NIT or IIIT for sure.
In case of any queries & professional help, you can DM me through insta handle CAREERSTREETS.

Ans: its a scam, please raise a complaint to cyber crime

Ans: its a scam, please raise a complaint to cyber crime

Ans: as you have made overall loss no need to pay any Capital Gain Tax, but you need to declare this while filling your income tax returns.

Ans: Dear Anonymous,
What sort of arrangement is this? If you anyway were planning to divorce and separate, then what is the meaning of living in the same house/
For the sake of the child, kindly, go by the terms of the divorce and live in different homes and agreeing to certain visitation rights to your child from both of you. Don't mess with the emotional environment of a little girl please.

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,
Well, he's doing this for a reason. Maybe his way of showing that you are important to him?
At times, we do not understand the other person's language of love; what we can do is accept them for how and who they are. Yes, you do not appreciate what your husband has done, but can you just think that it was done as an act of love for you? Maybe then, you can see the entire episode as not anything against you BUT actually for you.

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

Ans: Your financial situation is challenging but manageable with the right strategy. You need a structured approach to reduce your loan burden while ensuring financial stability. Below is a step-by-step plan to help you manage your EMI payments effectively.

Assess Your Current Financial Situation
You have two personal loans totaling Rs. 7 lakhs.
The Rs. 2.25 lakh loan EMI is being paid on time.
The Rs. 4.75 lakh loan EMI is difficult to pay due to job loss.
Your lender has rejected the restructuring request.
You are doing odd jobs to cover partial EMIs.
You have borrowed money from family and friends for health-related expenses.
Immediate Steps to Reduce EMI Pressure
Prioritise Essential Expenses

Focus on necessities like rent, food, and medical expenses.
Cut down on discretionary spending.
Avoid new loans or credit card debt.
Try Negotiating Again with the Lender

Approach the lender with a new repayment proposal.
Request a lower EMI based on your current earnings.
Highlight job loss and health issues in your request.
If needed, offer partial payments to show commitment.
Seek Financial Assistance from Family or Friends

Consider borrowing a small amount to clear missed EMIs.
Ensure you repay them once you secure a stable job.
Use Savings or Liquid Assets

If you have emergency savings, use them for EMI payments.
Consider selling small assets or non-essential valuables.
Medium-Term Solutions for Loan Management
Debt Consolidation Loan

Apply for a new loan with a lower interest rate.
Use it to pay off the Rs. 4.75 lakh loan.
This can reduce your EMI and extend the tenure.
Compare interest rates before applying.
Balance Transfer to Another Bank

Some banks offer lower interest rates for balance transfers.
Shifting your loan to another bank can reduce EMI pressure.
Check the processing fee before proceeding.
Freelance or Part-Time Work

Explore temporary jobs or online gigs.
Any additional income can help cover EMIs.
Consider skills-based freelancing for better income.
Emergency Loan from Employer or Community Groups

Some organisations offer interest-free loans to employees.
Community groups may provide financial assistance.
Check for government schemes supporting job seekers.
Long-Term Strategies for Financial Stability
Build an Emergency Fund

Once you secure a job, start saving for emergencies.
Keep at least six months' expenses as an emergency fund.
This will prevent future financial stress.
Improve Credit Score

Pay EMIs on time to avoid credit score damage.
Avoid multiple loan applications in a short period.
Good credit history will help in future financial needs.
Plan for Future Expenses

Set financial goals for savings and investments.
Avoid unnecessary borrowing in the future.
Invest in health insurance to cover medical emergencies.
Final Insights
Focus on paying the overdue EMI as soon as possible.
Explore options like debt consolidation or loan balance transfer.
Look for additional income sources to ease financial pressure.
Once stable, build an emergency fund to avoid similar issues.
Stay disciplined with spending and financial planning.
If you need more personalised guidance, feel free to reach out.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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