Good Morning. I am a fan of yours and read you severally on Rediff replying queries of various Tax Problems. Sir, now I have a tax query and earnestly request you to resolve that which is as follows:

My query is: I booked an under construction flat worth Rs.45.00 lacs which is scheduled to be ready for procession in year F.Y.2025-26.
Now I sold shares worth Rs. 10,00,000/- and total amount paid to builder in F.Y.2022-23. Out of shares sold my LTCG IS Rs.700,000/-.

Can I claim exemption for LTCG to that amount only which is given as advance in corresponding year?

Again in F.Y. 2023-24 I will pay Rs.20,00,000/- by selling shares and LTCG of Rs.10,00,000/-.

Can I claim Exemption for LTCG?

Same process will happen in next 2 F.Ys. till procession of my new Flat. Can I claim exemption on LTCG on sale of shares in each financial year?

Please also guide to fill ITR also for claiming above exemption in parts.

Ans: Collagen supplements might be beneficial for your wife's knee cartilage health. Collagen is a key component of cartilage, and studies suggest that taking collagen supplements can help improve joint pain and function. However, it's important to consult with her doctor before starting any new supplement, especially considering her diabetes and current medications. The benefits may vary from person to person. Collagen supplements are generally considered safe, but they can cause mild side effects such as digestive discomfort.

Ans: I'm glad to hear that your platelet count has improved!. Papaya leaf juice stimulates the bone marrow to produce more platelets so you can try adding it to your diet, but it's always best to consult your doctor before starting any new remedy. To increase your platelet count add Vitamin B12-rich foods like eggs, salmon, and tuna; folate-rich foods like leafy greens like spinach, beans, and citrus fruits like oranges and lemons. Include iron-rich foods like beef, lentils, etc. Certain foods that can lower your platelet count include alcohol and cranberry juice.

Ans: I'm sorry to hear about your hair concerns. You can make some dietary changes that might help reduce hair fall by including nutrient-rich foods rich in iron ,e.g. spinach, which is essential for healthy hair growth, omega-3 fatty acids that promote hair health, e.g. salmon, foods like eggs which are high in protein and biotin, nuts and seeds which provide essential fatty acids, vitamins, and minerals, Vit E and healthy fats from foods e.g. avocados and foods high in beta-carotene, which the body converts to vitamin A, promoting a healthy scalp.

Ans: Both monk fruit and stevia are excellent natural, zero-calorie sweeteners, but they have some differences. Monk fruit sweetener is about 150-200 times sweeter than sugar, contains zero calories, and doesn't impact blood sugar levels. Stevia is also a zero-calorie sweetener, about 200-300 times sweeter than sugar, and also does not raise blood sugar levels. The choice will depend on your personal preference and availability. Yes, palm sugar can be used in tea and coffee. It's a natural sweetener derived from the sap of palm trees and has a lower glycemic index than regular sugar.

Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

Ans: Computer Engineering with Artificial intelligence is much better.
Best wishes for your Son

Ans: Upskilling is Ladder of Growth. Future is of Artificial intelligence and ML.
Pls join the course.
Best of luck

Ans: There are more than ten institutes where integrated engineering degrees can be pursued. Some of them are even IITs. Just for detail search in net. For 2030 nothing can be predicted now. Best of luck. Just follow me. MAY GOD BLESS YOU. Professor.................................:)

Ans: As a fresher earning ?40–60K per month, focus on building a financial foundation first. Prioritize savings and investments through mutual funds to grow wealth and achieve other essential goals. Avoid buying a house immediately, as taking a home loan at this stage could strain your finances. Once you've built a substantial corpus and ensured financial stability, you can plan for a house purchase without undue stress.

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