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How much tax-free salary will I receive after rebates and standard deductions?

T S Khurana

T S Khurana   |266 Answers  |Ask -

Tax Expert - Answered on Aug 02, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more
shanoor Question by shanoor on Jul 24, 2024Hindi
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how much tax free salary after rebat and standard dedaction

Ans: As per Tax Proposals under New Tax Regime, Standard Deduction of Rs.75,000.00 is allowed & Tax Rebate shall be admissible up to Rs.7,00,000.00. This limit is for all your income from all sources.
You are most welcome for any further details. Thanks.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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My husband has been cheating on me. I recently discovered a receipt of payment that was unusual of my husband's regular activities. I called the shop and realised that the payment was genuine and it was made by my husband who was accompanied by a young lady. Since then, I have had sleepless nights. I have been wanting to talk to him but I am not mentally prepared to hear his side of the story. If he admits, it would mean our long years of marriage is over. If he denies, it would mean he is lying to me. However, there is a part of me that wants to trust him and give him some benefit of doubt. I have a 12 year old daughter. If he admits to having an affair, this news can break both of us. Pls help.
Ans: Start by acknowledging your feelings without judgment. The anxiety, sleepless nights, and fear are natural responses to such uncertainty. Allow yourself space to process these emotions. You don’t have to rush into confronting your husband until you feel emotionally steady enough to handle the conversation, regardless of the outcome. Sometimes, writing down your thoughts and questions can help organize your feelings and prepare you for the discussion.

It’s also important to consider your goals for the marriage and your family. Ask yourself what you need to feel secure and respected in the relationship. If you decide to confront him, do so with the intention of seeking understanding and clarity, not immediate resolution. This will allow you to approach the conversation with as much calm as possible.

When you're ready to speak with him, choose a time and place where you both can have a private, uninterrupted conversation. Start by expressing your feelings honestly but without accusations. For example, you might say, "I came across this receipt, and it’s been weighing heavily on me. I want to understand because I value our marriage and our family." This sets the tone for a constructive dialogue rather than an argument.

Prepare yourself for his response, whatever it may be. If he admits to wrongdoing, it will hurt, but it will also give you the clarity to decide what comes next—whether that’s working through the betrayal or choosing a different path. If he denies it, try to assess whether his explanation feels genuine or dismissive. Trust your instincts, but also give yourself time to reflect before making any major decisions.

If the uncertainty continues to eat away at you, seeking support from a counselor or therapist can be invaluable. A professional can help you process your emotions, clarify your priorities, and guide you in deciding what is best for you and your daughter. Protecting your emotional well-being is vital, as it will also help you maintain stability for your child during this challenging time.

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Relationships Expert, Mind Coach - Answered on Dec 29, 2024

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Hi, I am a 36yo guy. Married and have 2 beautiful kids. I am a naturally happy person in life and have achieved reasonable success through my hard work. From last 3 years i am in love with a married girl who works at an office near my workplace. We two believe that we are best suited for each other in every aspect i.e. mental, emotional and physical. We share a great chemistry that we never felt with our respective spouses. We decided that we both cant leave our spouses because of our kids. But very often she keeps on getting crazy and tortures and taunts me that i love my wife more and doesnt give value to her. She is mostly unhappy about this in her life and many times abuses me when she sees that i am a naturally happy and content person. I have even told her that if she wants we can take divorce from our spouses and move-in together. But she never accepts that also and keeps on making my life hard. But i do believe that we both love each other like crazy and my sexual life with her is just out of this world. I have a very high libido and she satisfies me like no other girl. My question is how can i make her sane and make her trust me that i am more inclined towards her?
Ans: Dear Avinash,You need to reflect deeply on what you want for yourself, your children, and your relationships in the long term. If staying married to your wife and continuing to co-parent is your priority, it’s essential to acknowledge the constraints that this imposes on your extramarital relationship. The happiness you find with this woman is tempered by the circumstances, and it might not be possible to meet her emotional needs fully in this setup.

A conversation with her that focuses on honesty, boundaries, and expectations is crucial. Acknowledge her pain and insecurities, but also express your limitations and realities. Make it clear what you can and cannot provide in this relationship, and listen to her needs and frustrations without defensiveness. You might need to make a decision about whether this relationship can continue in its current form, given how it’s affecting her mental health and your own peace of mind.

It’s also worth exploring the deeper reasons why you’re drawn to this relationship. Sometimes, connections outside marriage arise as a way of addressing unmet needs or emotional voids in the primary relationship. It might be beneficial to consider counseling for yourself or even with your wife, to explore whether there are aspects of your marriage that can be revitalized or strengthened. Similarly, suggesting therapy for your lover could help her work through her emotions and find balance.

Ultimately, you have to evaluate whether this relationship is sustainable and healthy, not just for the two of you but for everyone in your lives. Love and passion are powerful, but they require a foundation of trust, emotional stability, and shared goals to thrive. If those elements remain elusive, it may be a sign to re-evaluate the relationship’s place in your life.

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Kanchan Rai  |454 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

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I am 57 yrs old man, when ever i try to have sexual relations with my wife she pushes me away and she is not interested in sex she says, she is facing monopouse time. is her behaviour is because of monopousal and will this behavior change ever, i dont want to make sex with other woman.
Ans: Dear Naresh,
Your wife’s behavior is likely connected to these menopausal changes, and it's important to approach this with empathy and understanding. Try to have an open and calm conversation with her, focusing on your feelings and concerns without pressuring her. Let her know that you care about her well-being and that you’re willing to support her through this phase. It's essential to create an environment where she feels comfortable sharing what she’s experiencing physically and emotionally.

You might also consider suggesting a visit to a healthcare professional together. A doctor or therapist can provide insights into managing menopause symptoms and improving intimacy. Sometimes, treatments like hormone therapy, vaginal lubricants, or counseling can make a significant difference.

Remember, intimacy is not just about sex. Emotional closeness, affection, and spending quality time together can help maintain a strong bond. Reconnect in non-sexual ways, like going on dates, having meaningful conversations, or sharing activities you both enjoy. This can help rebuild trust and comfort, making her more open to physical intimacy over time.

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Kanchan Rai  |454 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

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Hi I am a married man with 2.4 years old daughter and my wife regularly fights with me and puts an allegation on me and blames me a thief and says I take out all her things and she also abuses my mother and at present my mother is staying alone some where and says that my mother should not come back and she fights with me in front of my daughter and uses abusive language and what ever is the situation she brings my mother in between the conversation and starts blaming me. She has thrown her out of the house and always keeps on fighting. I have a fear, that she might leave me or my daughter as I cannot stay without my daughter and she keeps on saying that I do not want to stay with you and after a heated moment she turns normal and again starts abusing me and my mother, and due to this I am not able to concentrate on my job as I keep on thinking all the times about what will happen. Kindly suggest me what should I do as I do not want to keep my daughter’s future on risk as she always keeps on saying that her brother will take care of her and her brother says he will take a different house for her somewhere else and will keep her there as I would also want to highlight that her brothers wife relation is also not good and she does not allows my wife to enter into her house and my mother is law is also disturbed. Kindly suggest me a solution...?
Ans: Dear Amit,
First, recognize that you need to establish a calm and safe environment for your daughter. Witnessing regular fights and hearing abusive language can affect her emotional development. Ensuring her well-being should be your top priority. When disagreements arise, try to de-escalate the situation, even if that means temporarily walking away to avoid heated exchanges. Protecting her from these conflicts will help create a more stable atmosphere.

Your wife's behavior—shifting between anger and normalcy—indicates that there might be underlying issues driving her actions. It could be unresolved frustrations, unmet expectations, or even external stressors affecting her emotions. While her way of expressing these feelings is not constructive, it's important to find a way to understand what’s fueling her anger. Having an open, non-confrontational conversation during a calm moment can be a starting point. Express your concerns about the impact of these fights on your relationship and your daughter, and make it clear that you want to work together to find solutions.

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Kanchan Rai  |454 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Aug 22, 2024Hindi
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Hii mam, since i year i am in relationship with him but nowadays fighting are increased in between both of us so what we should do and we both are responsible for the fight cause we both over react for small things
Ans: It’s common for fights to increase in a relationship when emotions are high and both partners overreact to small issues. This pattern often stems from unresolved emotions, stress, or a lack of effective communication. The good news is that recognizing this dynamic means you're already taking the first step toward improvement.

Start by reflecting on the triggers for your arguments. Think about what situations or topics usually lead to conflicts and whether they arise from unmet needs, miscommunications, or external stressors. Understanding the root causes can help you both address the real issues rather than reacting to the surface level.

When emotions run high, it’s easy to say or do things in the heat of the moment that you later regret. To prevent this, both of you can practice pausing during disagreements. Agree on a signal or phrase to use when things start to escalate, giving each other space to cool down before continuing the conversation. This approach allows you to respond calmly rather than reacting impulsively.

Another important step is to focus on improving how you communicate. Instead of placing blame or using accusatory language, express your feelings using "I" statements. For example, say, "I feel hurt when this happens" instead of "You always do this." This small shift can reduce defensiveness and encourage understanding.

It’s also crucial to nurture the positive aspects of your relationship. Make time for activities that you both enjoy and that bring you closer, whether it’s a shared hobby, a walk, or simply having an uninterrupted conversation. These moments of connection can help balance out the tension from disagreements.

Finally, remember that resolving conflicts takes patience and teamwork. It’s not about determining who’s right or wrong but about finding solutions that work for both of you. If you feel stuck or find that the fights are becoming overwhelming, consider seeking guidance from a counselor or therapist. A neutral third party can help you both understand your patterns and develop healthier ways to handle conflicts, ensuring the relationship grows stronger.

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Kanchan

Kanchan Rai  |454 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Jul 20, 2024Hindi
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Hello madam, I have been a 40-year-old married man for the last 12 years with 2 children. 6 months back I learned from call logs that my wife was in constant touch on mobile calls with another person. This stretched for 7-8 months. I confronted my wife, who assured me she would not call the person. She also informed me that she was only casually talking with the guy and nothing sexual was involved. She was speaking 2-3 times on a daily basis and call time was extended for more than 14-20 minutes. We had done counselling also and are now fine but my mind is refusing to forgive the person or my wife and sometimes I get stressed heavily and feeling anxious just thinking that my wife of 12 years had tried to move away and don't know whether such thing would get repeated.
Ans: It’s important to recognize that rebuilding trust requires effort from both partners. While counseling has helped you both move forward to some extent, it seems like the emotional impact on you hasn’t been fully addressed. This lingering anxiety and inability to forgive suggest unresolved pain and a need for deeper understanding. It might help to revisit these feelings with a professional who can focus on your perspective and guide you in processing them without blame or judgment.

Communicating openly with your wife about your fears, without accusing her, is key. Let her know how this experience continues to affect you emotionally. Explain that your concern isn’t just about what happened but also about preventing anything similar in the future. Focus on creating shared boundaries that promote trust and transparency, such as discussing emotional needs and maintaining openness about external friendships.

It’s also essential to work on reducing the anxiety that surfaces when these thoughts arise. Practice grounding techniques like deep breathing or mindfulness exercises to help calm your mind when you feel overwhelmed. Remind yourself of the positive steps you’ve both taken since the incident and the commitment you share to rebuild the relationship. By focusing on the progress you’re making as a couple, you can gradually shift your thoughts away from the past and toward a more secure future.

Finally, forgiveness is a process, not a destination. It doesn’t mean forgetting or minimizing what happened; rather, it’s about freeing yourself from the burden of resentment so that you can move forward with clarity. Take things one day at a time, and allow yourself the space to heal without pressuring yourself to “move on” before you’re ready. Trust can be rebuilt, but it requires patience, communication, and consistent effort from both partners.

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Kanchan

Kanchan Rai  |454 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Aug 21, 2024Hindi
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Hello, I am from a good educated family in Dehradun. I got married 3 years back in an arranged marriage setup through a mediator in Meerut. My husband has a small sportswear factory above his home only and mostly he is at home. I have a widowed MIL and SIL who is married just a year before me. There were problems in my marriage from the very beginning but my parents and me were too naive to see the red flags. They had demanded 20lakh cash and also my parents had given them lot of gold silver items which my MIL has withheld and says I have taken everything and my husband also supports her everytime. He is a mumma's and sister's boy and lies to me all the time. He does not value my opinions and expects me to obey him and his mother. He verbally abuses too much which he did not disclose before marriage. I left my job before marriage as my parents were finding a match for me from past 2 years but were fed up so there desperation got me married here in Meerut. They mentioned there income as 20-25lakh in biodata but I still don't know the real income of my husband. He says he has taken loan from his mother and is in her debt and says all the time that his, his mother and his sister's bond is unbreakable, without me asking. From beginning I was not treated like a family member but they just instructed me what were my responsibilities of cooking and handling house and bowing down to her sister and brother-in-law. My husband never stood up for me in beginning. One night he became so abusive that he twisted my hand and verbaly abused my family so much. I in fear called my mother and they took me back. I filed a case against him and we stayed separately for around 1.3 years. That was a horrific time for me and my parents, going to courts and they never appearing once. I started online MBA and small job side by side to bear my expenses as my husband was not supporting financially at all. He was not ready to give back our money or jewellery and just saying he wanted to stay with me, but I did not wanted to go back to that house. His mother created too much drama in front of him and foul language was normal in that house. After a counselling session I arranged, which he was not ready to attend but I convinced him, we decided to give it another chance as he apologised to me and my parents. and I also thought about my future which would impact my family and younger sister as well. So his family came to our house to take me back and welcomed me nicely this time with bouquet and my husband decorated our room with balloons. 3-4 months it was all well, they behaved nicely, I ignored small things his mother said or did. I tried to recreate the bond with them, but there rude behaviour returned. His mother's insecurity is impacting me and my husband's relation so much, that he ignores my needs for her and does not see I'm in pain even if I tell him. I am filled with anger and frustration now and when I share it with my husband, he blames me for overthinking and verbally abuse me sometimes for destroying his life. I am going in depression due to this and unable to focus on my studies or any work. Due to this stress I don't feel like staying in that house and frequently visit my parents house, but my husband does not let me live in peace here also, he keeps verbally abusing and taunting me for staying at my parents so much and tells me he cannot come every second month there in a very rude abusive tone. I am fed-up of his dual attitude, one day he showers so much love, next day he gets so out of control. With rest of the world he is so sweet and shows he loves me so much, which has brought me in a bad light to think so bad of him. My problems are everyday little problems for them which I should bear. Currently I am 7 month pregnant and at my parents home. He beared my meds and doctor expenses there, but keeps on reminding me this that he has done this, he brought an almira for me after so many months of me begging him because they did not had any basic amenities arranged for me beforehand. My parents gave automatic washing machine, and few more new items during marriage but no gratitude for anything, instead they keep telling me they got almira for me, put khanewali for me as if they are not eating that food. I had cooked full 3 time meals and serving them on there bed, still they say 'kuch ni karti, kamre mei rehti hai. mumyji ke sath ni baithti, iske lie ye kardia, ghuma ke late hain' or meri kamiya ginate rete hain. They do not tell full truth, what me and my parents have done for them. My husband does not know proper English also and thinks himself no less than a king. His mother and sister enables his bad behaviour and laugh it off. I am worried for my future now as now a kid is involved. I had left my job again to go back as everyone told me to focus on mending relations first. He does not seem to care much for the baby also. When I tell him I have a headache, he tells me he has more headaches and responsibilities than me. Never really understood my feelings or cared genuinely. Mostly worried about money. All financial assets are in his mother's control so he has to bow down to her tantrums, and expects me to do that as well. She keeps showing him how sick she is, but goes to kitty parties and my husband takes her mostly everywhere with us on vacations. If me and my husband go even on a 2-day trip, my husband keeps video calling her because he knows her insecurity. She also keeps saying things like, 'tere bina pal pal katna bhari hora' like a couple talks. But if my SIL goes on 6 day trip with her husband, then she is very happy and tells them to enjoy. This gives me chills and spoils my mood everytime. My husband knows it yet he does not say or do anything about it. But I cannot continue like this, I feel suffocated and stuck many times, not knowing if I even belong here or not. My husband feels spending money on counselling is a waste so he will not take it now. Pls guide what should I do next. Can this relation be saved or not?
Ans: Since your husband is unwilling to attend counseling, consider seeking therapy for yourself. A therapist can help you process your emotions, build resilience, and identify what you need to feel secure and valued. Your emotional well-being is crucial not just for you but also for your baby, as stress during pregnancy can have long-term effects.

Open communication is essential, but it seems your husband is dismissive of your concerns. Try one last time to have an honest conversation with him. Clearly express your feelings and the changes you need to see for the relationship to work. Focus on specific actions, like setting boundaries with his mother, reducing verbal abuse, and showing emotional and financial responsibility.

If these conversations don’t lead to meaningful change, you may need to consider the long-term implications of staying in this environment. Living in a toxic household can have a profound impact on you and your child. If leaving feels like the safest option for your mental and physical well-being, work with your family to plan a way forward. This could involve legal steps to secure your rights and ensure support for your child.

Your efforts to mend the relationship show your commitment, but it’s vital to remember that a healthy marriage requires mutual respect and effort. If your husband and his family are unwilling to meet you halfway, prioritizing your own peace and stability might be the best decision for you and your baby.

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Nayagam P

Nayagam P P  |4006 Answers  |Ask -

Career Counsellor - Answered on Dec 29, 2024

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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