I have a joint account( second name with my elder brother's wife. Now she has passed away. Will the remaining fund be taxable on my account now ?

Ans: Education is an investment, but at 40 with no income, no job, and no assets, taking an unsecured loan is financially risky.

Do not borrow without a clear repayment plan or guaranteed employability after the course.

Instead, choose:

Free or low-cost certified cybersecurity courses (many top institutes offer them).

Skill-based government programs (e.g. NSDC) with minimal fees or EMIs after placement.

Build skill first, then earn, then upskill with paid advanced certifications.

Avoid debt at this stage without income support. Let me know if you'd like a structured, no-loan learning plan.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

Ans: Hi,

First of all, don’t focus on what others are doing or how they are doing it. Each of us is unique. Don’t worry about the marks; don’t get tense. Instead, reflect on the mistakes you’ve made. Just identify and analyze them. You can easily score more than 675 if you put your mind to it. You still have enough time.

Remember to do smart work rather than just hard work.

How can you identify the correct answers? Check the relevance of the answer to the question. This is another way to find the right answer.
Start practicing yoga and meditation to concentrate

If you need any further assistance, please feel free to post your query.
BEST WISHES.

Ans: Hi Vinay,

As a student of Biology, Physics, and Chemistry, here are some options for further studies aside from NEET:

- BNYS (Bachelor of Naturopathy and Yogic Sciences)
- Nursing
- Pharmacy
- Agricultural, Horticultural, and Forestry Sciences
- Medical Laboratory Technology (MLT)
If you need any further assistance, please feel free to post your query.
BEST WISHES.

Ans: Hello, you have an income of 1.25L per month and fixed expenses of 50k a month, here I am not sure whether your monthly expenses are taken into consideration or not. I think there is some knowledge lacking on your part about investing and passive money sources. I would be very happy to help you but this will require a detailed conversation, please visit the website slwealthsolutions.com if you are interested.

Ans: HI,
Chances are available to secure a seat in private or mid-tier government colleges. Do participate in the counseling process.
BEST WISHES.

Ans: HI SIDDHARTH,
Possibilities to secure a seat either in Tirupati or Berhampur.
BEST WISHES.

Ans: HI PINTU,
NO.
There is no fee charged specifically for registration in the categories during the JoSSA registration process for IITs. Once a seat is allotted and accepted by the aspirant, the aspirant must pay a fee for the seat acceptance.

BEST WISHES.
BEST WISHES.

Ans: Dear Anonymous,
It's obvious to me that you haven't yet sat yourself down and asked:
- What do I want in my life partner?
- What do I want from a marriage?

You have shared about what others want from you; what do you want from a potential association?
Being clear will help you stop this chase and anyway, there's no 'The One'...if you find one, do let me know and I will be happy for you...Marriage is not about finding the right person but by knowing what you want from a marriage. This narrows down your choices to someone that close to your thoughts and value systems and then you both have to make the marriage work.

Now, if you are not looking for a committed association or a long-term one, then you will have to keep playing games with people who are half serious or just looking for some fun and hey, the chances of you being emotionally hurt will be greater here...
So, be clear on what you want and then you will know the next step, the next conversation that you wish to have with a person with more certainty that increases your chances at a good sturdy relationship.

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