Sir, On 14-June 1994, I acquired a flat (tenement) in my own name for Rs. 2,98L. In April 2015, I had to spend Rs. 4.15L on general renovation of this flat. Now, I plan to sell this tenement and wish to invest its sale proceeds within two years of the sale in buying a ready possession flat in another city. My queries are follows: 1. Can I invest the sale proceeds in buying two flats in the same society of the new city or do I have to necessarily invest in one property only? 2. Can I add the name of my spouse and my son also as co-owners in the new property(s) even if their financial contribution is nil? 3. Can I add the name of my spouse and my son also as co-owners in the new property(s) in case they also partially contribute financially in the purchase of the new flat(s)? 4. What is the present applicable Indexed Cost of the flat planned to be sold by me?

Ans: DOB WITH MATRIC CERTIFICATE IS FINAL, IF IT WAS WRONGLY ENTERED, CORRECT IT WITH SUPPORTING AFFIDAVIT ASAP TO AVOID FUTURE PROBLEMS

Ans: It appears that for income tax purposes, you are not owner of property and property is registered in the name of mother. Accordingly, as per income tax provisions, it is entirely taxable in the hands of mother.

Ans: Hi!!

Learn it from an expert, an Image Consultant is not simply called an I MAGE DOCTOR, she is qualified to help you on these aspects!!

Ans: Hey!!
Kudos to you for dreaming big and also working towards it by investing time and energy in learning and development.
Not everyone can do it... so pat yourself on the back for it!!

You are absolutely right when you say TIME MANAGEMANT is the key to avoid burnout. However I'll add compartmentalizing and self care along with time management.

Let's take them one at a time ...here I go-

1. You want to perform at your peak then self care is a must, 20 mins of physical activity(it can be anything, run, brisk walk, suryanamaskars, dancing along with fast paced music, anything that gets your heart beat up)
10 -20 mins of meditation, if you believe in the higher power make efforts to connect with it/him/her.
2. 9 to 6 be fully committed to the office, after that switch off, learn to say NO for anything that comes after this time. You can do only so much right? This was one part of compartmentalizing...
3. be fully present in whatever activity you are doing... this is ZEN, nothing more nothing less. This way you will be razor sharp in your focus and get jobs done faster. When you are studying don't think office and vice versa. This is switching off, this is compartmentalizing. This will take conscious efforts but is doable
4.your course is important to you, so schedule a study time and stick to it .The days you have an holiday too... try to relax a little, schedule a study time, finish your studies and go relax and unwind a little, you deserve it...don't cram too much in a day.
A relaxed mind will always perform better and focus better. I really can't tell you the importance of unwinding and mediation, you really have to do it to experience it and reap the benefits of it
5. Always encourage yourself, be your best cheer leader, don't beat yourself down, be kind to yourself too, your mind and body
need that from you. You are already doing so much.
6 .The only way to stop being overwhelmed is also to put out all your tasks of the day on paper and schedule it, prioritize it.... one task at a time, start taking action. And when the task is don't forget to strike the task out with a clean line over the task with a pen... this is a message your giving to your mind. ...'I got one task done, I am capable of getting another done'.. Ahaha... the joy of getting a job done!!
7. Get a good nights sleep, do "yog nidra' before sleeping
8. Always breathe deep whenever overwhelm creeps in and see how calm you become. A calm mind is key to getting more done.

And remember to write "your gratitude" out in the night before sleeping, you'll sleep peacefully and get up fresh.
Also do remember, all tasks can be done happily too... there is no need to drag yourself or be always overwhelmed!
You chose to work and study as well.... honour your choices joyously and go about life with a spring in your step...All best !!

Ans: There is no tax on gifting money. Gift receiver will be liable to pay tax, if it is not received from relative.

In given the case, as gift is received from relative, same amount will not be taxable in the hands of grand daughter

Ans: Hello;

First you must ensure that you both have adequate term life insurance cover.

Taking loan for investment is not recommended under any circumstances.

Better option is to surrender these extremely low return endowment policies, after ensuring adequate term life cover, and invest the proceeds in mutual funds.

Returns from mutual funds cannot be assured however based on past record it is observed that generally equity mutual funds provide good inflation adjusted returns over long term.

Happy Investing;

Ans: Dear Anonymous,
I understand your frustration. You made some very valid points. You are absolutely right- no one has any business asking you about your virginity. And you are also correct that it does not define you at all. But the truth is, to some people, it matters more than it should. They are not entirely at fault alone; it is the whole society. Nevertheless, you are right. While it is your decision whether you want to lie or be honest, I would suggest telling the truth. Not for their sake; for yours. You should not have to live your married life always thinking "Would my past have mattered to him?" or wondering if things would have been different if you told him the truth. Moreover, being honest will set you free; maybe it comes with rejections, but at least you do not ever have to bear the weight of lies or feel guilty about deceiving someone. And most importantly, you won’t have to settle for someone who cares so much about such superficial things. Happy marriages cannot start with a lie.

We can't control what's important to whom, but we can respect them, even if we disagree. If you are not comfortable disclosing your body count or past, simply answer their question with yours- "Does that matter to you a lot?" If they say yes, you can reject him because your values don't align.

Hope this helps.

Ans: Dear Anonymous,
First of all, there is no hard and fast rule that says that men have to make the first move. If you like someone, you can easily give him a call or drop a text. If a man finds that desperate, you should not settle for someone like that.

Next, judging by the series of events, I would say there is a good chance of either of two things happening- first, he might actually be very busy. But I don't think people are ever so busy that they can't take five minutes of their time to make a call. But then again, you are still strangers and hence, you are not his priority currently. Second, they might be breadcrumbing you. Just giving you enough hope to keep you hooked while they search for more potential matches. The most concerning thing is that the entire family can't keep their word or have the decency to inform about the change of plans.

Your father is not wrong; right now if you contact him after he has repeatedly failed to contact you, it will not look good, and worse, you will not feel good about it. My question is, do you really want a man like this? I know you have been trying for a while and not getting good results can be frustrating, but that does not mean you have to settle for this. I truly believe you deserve better. You can wait some more and see where it goes, but I strongly suggest not pursuing things from your end anymore. Let them do so if they are truly interested. Suppose they don't, understand that you have dodged a bullet.

Best Wishes.

Ans: Dear Shruti,
There isn't much you can do here other than be by your boyfriend's side while he tries to convince his parents. I am sure he has tried everything, but it can't hurt to try some more. He can highlight all the good things about you and mention that he isn't trying to hurt them by marrying you, rather he thinks you will fit perfectly into his family. Ask him to mention how his life has changed for the better since he met you, and how you make him happy. I am hoping that these might change their minds, or at least push them to meet you and your family once.

Best Wishes.