Dear Pooja
We have a one-year-old beagle and we plan to add to the family with one more beagle.
How do we prepare our elder one for the new arrival?
What if the two don’t like each other?
Our elder one is a female. Should the younger one be male or female?
We are very keen on a beagle only.
Please do advise us.
Rajesh A

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

Ans: Hello;

I feel no need to inform this to the insurer now since you acquired it after policy inception.

However you may update it to the insurance company sighting change in health status before next renewal.

Most likely renewal will get rejected or will be accepted without this condition.

Check on cardiac exclusive policies to cover your ailment.

Also keep an emergency fund aside as a safe provision in case any unforeseen situation arises.

Best wishes;