Dear sir, i was an ex-PSU employee & retired on 31.01.23. I received my post-retirement leave encashment pay in the month of APRIL. Now, am I eligible for tax exemption of Rs 25 lacs ( earlier 3 lacs) on leave encahment which has been declared in the budget FY 23-24? so, can i claim this exemption for filing itr AY 24-25?

Ans: Hello Shreya
Please visit the institution in person before taking the final decision. If in person, you are satisfied, then go with it.
Best of luck.
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Radheshyam

Ans: Hello Lad
Please visit the institution in person before taking the final decision. If in person, you are satisfied, then go with it.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Paital
If no options are left, you can go with it.
Best of luck.
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Radheshyam

Ans: Your husband’s constant complaints about food, money, and your past are not just hurtful — they reflect deeper issues of control and emotional insensitivity. He is disregarding the fact that you are raising two daughters, trying to maintain harmony in the house, and even contributing part of the rent from your own limited resources. Your life before this marriage is being used against you unfairly, when in truth, that part of your journey made you stronger and more committed.

The truth is, this is no longer just about whether you work or not. It’s about feeling disrespected, dismissed, and unheard. You’ve tried to care — asking him what he’d like to eat, trying to avoid conflict, even putting aside your comfort to please him. And yet, he continues to find fault. That is not a reflection of your failure, but rather of his emotional disconnect and unwillingness to meet you halfway.

Right now, what you need most is clarity. If he insists on you working, the caregiving arrangement has to be revisited — he can’t expect you to work outside and carry all the home responsibilities without support. And more than that, he needs to recognize that partnership means sharing respect, not just finances. You can try to have a calm conversation where you tell him honestly how you’re feeling — not to blame, but to express how deeply this is affecting your emotional health and your ability to feel safe and valued in your own home.

If he’s not open to listening, you may need to consider involving a neutral third party like a family counselor. You do not have to fight this battle alone, nor should you carry the entire burden of the relationship.

You deserve more than just being tolerated — you deserve care, respect, and peace.

Ans: First, she is 23 — very young, still forming her identity and values. You're 51, already married with a child. The relationship started in the context of attraction and care, but it now exists in a space of emotional imbalance and fear — not trust or possibility. She's not ending it because she doesn’t care about you; she's stepping back because she’s afraid of the consequences, societal pressure, and perhaps even the future she knows cannot unfold the way either of you may have wished.

You’re feeling pain and longing, and that’s human. But trying to convince her to stay by suggesting physical intimacy — especially when you yourself feel it’s not right — will only deepen the emotional conflict and guilt for both of you. Love doesn’t hold someone back just so we don’t feel the pain of their absence. True love honors freedom, even when it hurts.

Right now, the kindest thing you can do — for yourself and for her — is to accept that the relationship has reached a natural closure, however painful it may be. It’s not failure. It’s a sign that both of you must now return to your own paths.

If the emotional stress is unbearable — your sleep is affected, your thoughts are heavy — you may truly benefit from talking to a therapist or emotional wellness coach. Not because you’re weak, but because you deserve to heal in a healthy way.

You don't need to erase the love or the memories. But you do need to release the idea that you must hold on to her to keep yourself from breaking. You are capable of moving through this with dignity, and you deserve peace.

Ans: Hello dear.
Join IISER if you have a deep interest in research; otherwise, choose electrical at NIT Jalandhar, which is a practical and job-oriented option.
Best of luck.
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Radheshyam

Ans: First, be clear within yourself about what you truly seek — not just "no past baggage" but also shared values, lifestyle compatibility, emotional maturity, and a sense of peace when you're with him. You’re not just choosing a partner — you’re choosing a future that aligns with the person you’ve grown into.

Since you are specific about the community and the absence of children from a previous marriage, you may need to be strategic but open in where you look. Along with trusted matrimonial platforms (you may try both community-based ones and modern curated matchmaking services), also let friends or extended family you trust know that you’re open to exploring proposals — sometimes word-of-mouth alliances bring surprisingly good connections.

While choosing, don’t just assess background or profession — give time to observe his emotional depth, communication style, respect for your past, and how he responds to small differences or stress. These are the real foundations for peace and partnership.

Also, give yourself permission to set boundaries without guilt. You are not obligated to compromise your standards just because it’s a second marriage or because of age. You deserve companionship, not adjustment.

And perhaps most importantly, don’t let societal timelines cloud your confidence. You are 39, not late — just clearer than before. Be honest, hopeful, and patient with yourself.

Ans: Hello dear
Chances to CSE with JosAA seem to be challenging. With CSAB, UPTAC, and GGSIPU, you can keep hopes alive to get the preferred branch.
Best of luck.
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Radheshyam

Ans: Right now, the biggest conflict is between what your heart wants and what reality is offering. You care for someone who says he loves you, yet isn’t ready to take a stand — not because he doesn’t care, but because he's afraid of upsetting his parents. That fear is real, but so is your need for clarity, emotional safety, and respect.

It’s absolutely fair for you to ask where things are headed. Waiting endlessly without a timeline or real effort can lead to quiet heartbreak. You don’t have to demand a marriage proposal, but you do deserve honesty — is he planning to talk to his parents? When? What’s his plan if they disapprove?

You are not too young to feel disturbed — love always stirs the heart, at any age. But you’re wise to ask whether this situation is serving your peace of mind. And here's the truth: if you have to keep silencing your needs to keep the relationship going, it will slowly empty you.

Have one clear, calm conversation with him. Let him know you’re not pushing for guarantees, but you need to know whether he's willing to try — and not just "someday." If he avoids, delays, or sidesteps again, it’s okay to take a step back. You’re not punishing him — you're protecting your future self.

And if part of you already knows he may never be ready, it’s okay to move forward. You’re 20, with a long, vibrant life ahead. Don’t let fear of loss keep you from choosing peace.