If i purchase a flat and take home loan for it. After 1 year i sell my old property and repay the whole home loan. In such a case will long term capital gains tax be applicable or not?

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;

Ans: Hi!!
It is extremely important to have empathy and approachability as qualities in a leader. You have them so congratulations!!

As a leader it is important for you maintain a safe distance too , so that people don't take you for granted and that your judgement is not clouded.

You need to tell people that everyone has personal problems, so the only way forward is to shut them out when they come to work and perform to the best of their abilities.

You really can't quote one incident and draw conclusions here, you might have made a mistake as regards to this team member you are mentioning, it's ok , you are human. Forgive yourself and move on.
You need to find a balance between empathy and accountability...it's a tough job to be a leader, and a compassionate one that too. Apply the concept of "different strokes to different people at different times". Set boundaries, take care of yourself and your time. You must take care of your emotional well being too, you can't allow everyone to dump their baggage on you.

Take every experience as an experience to make you wiser, have a discerning eye and know when to put your foot down and when you need your inherent compassionate quality.

Enjoy being a leader...you really can make a difference in people's lives, but at the same time you have to take care of yourself.

All the very best...

Ans: Hello;

You may invest in multi asset allocation type mutual fund for a horizon of 3-4 years.

You may select any fund from the top quartile in this category.

Best wishes;