Hello Sir, I got laid off in April and received a severance pay of 10 L out of which 1.74 L was deducted as tax and I received 8.36 L in total. I was unemployed in Apr and May and joined a new job in June with 8 LPA package. I have a 2 part question. 1. Which regime tax option should I choose for this year, old or new for max ITR? 2. I want to invest this 8L and where should I invest in, keeping in mind I want keep 5 L as my wedding fund which can happen in 6-12 months.

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

Ans: In future CSE,IT,AI&ML jobs will be more than ECE jobs, but job security is different. For job security you have to aim govt. jobs

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

Ans: Multiple categories are there. Marks and rank vary with that.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

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 Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

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

Ans: BITS Campuses
VITEEE
Manipal
SRM

Ans: Hi Sumanta
I assume your son is not enrolled in any foundation program for the IIT Entrance Exam. He must enroll in good training institute, for a 2 year program. Please ensure the coaching is good, not some kind of franchisee taken by some local person. rest they will take care of. By 11th end his 70% syllabus must be over, means He starts in April 2026, then in Apr-May 2027 his 70% syllabus must have been completed.