I m retired and have income only from interest and house property. I also have annuity earning from LIC of appx 40,000/- . This is received as part of self contributory schem and not by employer. My question is which tax regime is better for me Old or New and whether Standard Deduction of Rs 50,000/- is available in my case?

Ans: Unless you are deeply interested in electrical engineering or plan a specific career in core EEE, the 5-Year Integrated M.Tech in IT/CSE is generally the better choice in terms of placements, industry relevance, and future-proofing.

Yes, many institutes (including IIIT Gwalior) offer an exit option after 4 years with a B.Tech degree, usually in the 3rd year or at the start of the 4th year.

Ans: Hi Sir,

Greetings! I believe that the NEET 2025 results have not been declared yet. Are you referring to NEET 2024 instead?

Regarding the next part of your question, she can opt for BNYS (Bachelor of Naturopathy and Yogic Sciences). At this point, there is no need to take NEET, so she can choose to pursue BNYS.

As for the comparison between Pharmacy and Biomedical Engineering, Pharmacy is generally considered a better option than Biomedical Engineering. However, it's important to assess whether she excels in chemistry or mathematics first, as this will guide your choice.

If you have any further questions, please feel free to provide more details.
BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Ans: Hi Amit,
Please let me know why you are focusing on achieving 75% in HSC. By opting for a third attempt, I think you are wasting time.

POOCHO. LIFE CHANGE KARO.

Ans: Hi Prirhvi,

Based on your query, there are two main issues to consider:

1. You want to take a break (which may be partial or full).
2. You want to pursue a BSc in Zoology.

Before making any decisions, take some time to think and analyze your situation.

Firstly, evaluate your marks in the HSC and your recent NEET exam scores (if you have appeared for NEET 2025). If you have completed both exams, focus on turning your weaker subjects into strengths. Be prepared to answer any questions someone may pose. Without this preparation, taking a break may not be effective.

Secondly, if you decide to take a gap year, you should not also consider studying another course concurrently, as this could divert your attention and hinder your main goal. Remember, undergraduate courses are semester-based, meaning you will need to manage both NEET preparation and your regular UG courses (including internal exams, semester exams, etc.). Juggling both can be quite challenging.

If you believe it is possible to manage both, I suggest that instead of choosing Zoology for your UG, you consider subjects like Chemistry or Physics. These subjects are foundational and can be better understood through regular UG coursework. Therefore, you should not worry too much about that particular subject. However, it’s not advisable to select Zoology and take a break for NEET preparation at the same time. If you have doubts in Physics or Chemistry, you can seek clarification from your lecturers.

In summary, my suggestion is to concentrate on one goal and work towards achieving it.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: Hi Saman,
Your question is unclear to me.
POOCHO. LIFE CHANGE KARO.

Ans: Hi,
Please clarify whether your preference order is based on the course or the institution.
POOCHO. LIFE CHANGE KARO.

Ans: Hi!!

It is not ok for your manager to text you outside of work hours, period. You have to set boundaries now.
Talk to him and tell him since you are extremely busy after you reach home, it is not possible to reply to messages.
Have two different numbers for the office and for the personal work.
Shut the office phone once you reach home.

Reply back to him in the team meeting and tell him once you reach home you really cannot take any calls or reply to messages.

There are always solutions to problems. Find them and learn to set boundaries courageously.

If you are a woman and he texts you like this, then embarrasses you in team meetings, you really can take action against him .

Take care of yourself ! All the very best..

Ans: Hi!!

You are working with this company since 2023. It's close to a year and a half that you are working here?
You are still young and new in this company, there is so much to learn and grow.
Take your manager's feedback and work on it, you yourself said you don't share your ideas and plans because everyone is more experienced than you. it's time to change this... raise your hand in meetings, say you have an idea to share and then in al oud and clear voice share your ideas. Plain and simple solution for your issue.
Initially your leader should have encouraged you to speak and he should have made you comfortable...if it didn't happen then it won't happen now... pls take charge of the situation now without the blame game, go ahead and share your ideas.
You are also experienced now...

All the very best!!

Ans: Hello;

Surely you can do so, but please ensure adequate term life insurance and health insurance coverage for both.

Keep investments for retirement separate from this so that it continues to accumulate irrespective of home loan or otherwise.

Maybe you should sell land and part of gold jewellery for down payment towards home purchase.

It is desirable to get a home loan insurance.

Best wishes;