My Income is 12 lakhs, and savings Child tution fees, GPF contribution all comes over 1.5 lakhs and also in 80D Medical Insurance 23000. Is old or New tax regime beneficial?

Ans: Dear Satyam, The Application Window was opened by the NTA for a period of two days to address any errors that may have been overlooked by you when you filled the Application Form. Attend the examination upon receipt of your admit card. Nevertheless, it is crucial to bring a few important original documents that display your date of birth on the day of your JEE Main exam. This will be especially useful if any staff at the exam center inquires about your date of birth before you enter the exam hall. Nevertheless, in the future, please ensure that you have verified all pertinent information before submitting any application forms. Wishing you a bright and prosperous future. Follow RediffGURUS to know more on 'Education | Jobs | Careers'.

Ans: Hi!!

I can understand what you are going through.
I have helped many a people to become better communicators, presenters and public speakers. I agree with you when you say .. that these skills will augur well for your career growth.
What I can say is this .. that it is a learnable skill. Practice and more practice is the only way ahead. You said your content is strong, that is 50% of the job done, so build up on this confidence and practice your delivery in front of the mirror or in front of encouraging family/friends.
The only way to gain confidence is to "JUST DO IT"....to calm your nerves- deep breathing techniques and visualizations techniques will be useful.
I can help you on this journey of being a person who delivers with panache!

There are books by Dale Carnegie on public speaking which can help you out. Also read about Abe Lincoln and his journey of becoming a great orator, it can maybe help you.

Remember, PRACTICE AND PRACTICE is the key to unlock your confidence and become the person who delvers with panache.

All the best!!

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.