Dear Sir, The net maturity proceeds of single premium life insurance policies are now taxable.

The question is whether survival benefits paid at intervals during the tenure of the policy are to be included in the “Net Maturity Proceeds” for the purpose of calculating income from a single premium life insurance policy.

I bought an insurance policy with single premium of Rs.97048 and tenure of 9 years. The sum assured was Rs. 130000 Gross maturity proceeds were Rs. 111348 There were two survival benefits of Rs. 19500 each at 3 year intervals.

In my layman’s understanding, my income from this policy is Rs 111348 minus single premium of Rs. 97048 i. e. 14300.

But LIC is deducting TDS by adding the two survival benefits to this i. e. Rs. 14300 plus 19500 plus 19500 amounting to Rs. 53300.

My question is, should I report Rs. 14300 or Rs. 53300 as my income from this policy while filling my ITR. AIS shows Rs. 53300.

Ans: Please go for Pharma along with an online course of Marketing/Operation Management. It will help you. Just follow me. Will always guide you. Best of luck. MAY GOD BLESS YOU. Professor..............:)

Ans: Why not? Start learning AI & Machine Learning and explore yourself. I am always there with you. Best of luck. GOD BLESS YOU. Professor................:)

Ans: Your decision is very good. DECISION DECIDES DESTINY. Please go for some certification course of AI & Machine Learning and before that at least for three months practise coding by seeing YOU TUBE videos before joining the certificate course. Secondly see that the certificate course must be in collaboration with some reputed IIT. Complete the certificate course, they also place the good candidates in different companies. All the best. GOD BLESS YOU. Professor.................................:)

Ans: Hats Off to you for your service to the nation and self motivation. I think there is no need to continue for another three years. I think you should opt for college professorship and the good news is that UGC is thinking of removing Ph.D as an required qualification for Professor's post. Initially you will have to accept the post of Assistant Professor, then Associate Professor and at the end Professor. You can go for an online MBA course in HR/FINANCE/OPERATION. I think no more dilemma will be there. I am there to help you always. Be in touch with me. ALL THE BEST. MAY GOD BLESS YOU. Regards. Professor...............................:)

Ans: Dear Anonymous,
Refusing for a kiss isn't as concerning as her saying she will have feelings for you. Not everyone is ready for intimacy at the same time in all their relationships. As I mentioned earlier, there can be several reasons for this behavior. Please have an open conversation with her. Let her know that her behavior is bothering you and you want some clarity. If she still continues to say the same thing, you have the option to rethink the relationship.

I understand that you are feeling disturbed; it's not easy being on the receiving end. Please feel free to pick yourself first. You deserve someone who loves you completely.

Best Wishes.

Ans: Dear Anonymous,
There can be several reasons for her behavior; she might not have completely moved on from her ex, or she might think that the current relationship is too new to get intimate. Or there can be some completely different reason for this. My point is that only she knows what she is thinking. You can try asking her directly, but if she says she isn't ready for intimacy, do not try to convince her. If that does not work out for you, or if you think she isn't giving you the love and attention you deserve, you can always rethink the relationship. It's only been 2 months. You still have time to reconsider and not be terribly heartbroken.

Best Wishes.

Ans: Dear Anonymous,
Many people get cold feet before getting married. It is very normal. All your questions are valid but you need to understand that in every relationship, it all comes down to trust. Whether you marry this woman or someone else, you have to trust her. And no one can really tell what the future holds. So we focus on the present and hope for the best.

I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

Hope this helps.
Best Wishes.

Ans: It’s wonderful that you’re enthusiastic about getting back into the gym to work towards weight loss and a lean, toned physique! As a physiotherapist, I suggest scheduling regular check-ins with a physiotherapist to monitor your progress and make any necessary adjustments to your exercise routine. To effectively lose fat, particularly around the abdomen, while building muscle, try a balanced approach that incorporates both cardio and strength training. Start with 20-30 minutes of moderate-intensity cardio—like brisk walking, cycling, or jogging—three to five times per week to increase calorie burn. For strength training, focus on compound exercises such as squats, lunges, push-ups, and rows, with three sessions per week. Begin with lighter weights, increasing gradually as your strength builds, and focus on good form to develop lean muscle without bulk.

Including core exercises, like planks, Russian twists, and leg raises, will help to strengthen and tone your abdominal muscles; however, remember that fat loss from specific areas requires overall body fat reduction. A high-protein, balanced diet will be crucial for supporting muscle growth and managing hunger, so aim to reduce processed foods and sugars. Consistency is essential—maintain a regular exercise schedule, and ensure you have rest days for recovery. With dedication, you’ll see steady improvements over time. Best of luck, and don’t hesitate to reach out if you need further guidance!

Ans: No screen time for him. Read stories to him. Put up charts of words with pictures and read out a word everyday till he learns that and then move to the next word. When he points to something, say the word and encourage him to speak the word.
Try to have online consultation with speech therapist based in India who you can visit when you come here