Sir I have sold a 1bhk house after keeping it with me for about 20 years After deducting my expenses on its improvement like re wiring, floor replacing, compound wall Erection et.sold that house on 20 feb2021. I have parked my cap gain 1069000 in SBI cap gain savings account on 19 Jul2021. I declared ?1069000 in my return on 31 Jul 2021.But neither I could purchase a house nor I constructed a house. Iam a senior citizen retired from IAF. Drawing pension. I do get vehicle insurance commission and MF distributor commission.How to avoid cap gain Tax. As my Capgain ac completes 3 years my amount will be transferred to cap gain scheme A ( savings ac) Am I to pay advance tax for this amount. My pension and commission amount comes yearly around 4.40 lakh. Will this amount also be added to cap gain and tax will be assessed as regular income and my liability to pay advanvance tax. Or I have to pay advance tax only for the amount 10.69 lakh. Will my regular income other than Capgain be liable for 30% with Edu cess and with liability pay advance tax

Ans: Hello Jaikumar,

To begin with, thank you for reaching out to us. It’s great that your son wants to complete his postgraduate studies abroad. Pursuing a Master’s in Finance in Australia can open up many job opportunities in finance, banking, and consulting, as Australia has a strong financial sector. Graduating from Australia can give him an edge in India as well, as international qualifications are often valued, especially in global firms. Dubai is a also great option to pursue higher studies, with several top universities offering strong finance programs. Plus, Dubai offers good post-study work opportunities, especially in sectors like investment banking and wealth management, making it a solid choice for building a career. Ultimately, both Australia and Dubai are fantastic options that will give him a solid foundation, providing valuable opportunities whether he decides to work in India or internationally.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: Hello Ahsan
Yes, you can appear jee mains if you reappear class 12th. You can choose any board suitable to you.

Ans: Hi
to appear in advanced in 2025 & 2026 you need to qualify JEE MAIN in 2025 & 2026 too.

Ans: I appreciate your determination to improve your financial situation. At 18, you have time to build a strong foundation for your future. Below is a step-by-step guide to help you move toward financial stability and eventually achieve wealth.

1. Focus on Education and Skill Development
Since you are studying commerce, learn practical skills in finance, business, and entrepreneurship.
Improve your English, communication, and problem-solving skills.
Consider free online courses in business, marketing, and technology. Websites like YouTube, Udemy (free courses), and Coursera can help.
2. Choose a Career or Business Path
You have two main paths: Job (Career) or Business (Entrepreneurship).

A) Career Path – Get a Job and Earn First
After 12th, choose a degree that gives good job opportunities, like B.Com, BBA, CA, or digital marketing.
If college is expensive, learn job-oriented skills like coding, graphic design, video editing, or freelancing.
Work part-time while studying to gain experience and earn money.
B) Business Path – Start Small & Grow
Since you are from an agricultural background, you can start a small agribusiness like organic farming, dairy farming, or selling farm products online.
If you are interested in business, learn about dropshipping, affiliate marketing, or e-commerce (Amazon, Flipkart, etc.).
Start a side hustle, like reselling products, tutoring students, or working as a freelancer.
3. Earn and Save Money
Once you start earning, save at least 20-30% of your income.
Avoid spending on unnecessary things like expensive clothes, gadgets, or parties.
Keep an emergency fund for unexpected expenses.
4. Invest and Grow Your Wealth
Once you save some money, invest in mutual funds and stocks for long-term growth.
Start small and learn about investing before putting in large amounts.
Avoid scams and get-rich-quick schemes. Wealth takes time to build.
5. Stay Mentally Strong and Keep Learning
Tough times don’t last forever. Stay positive and work hard.
Read books about successful entrepreneurs and financial management.
Surround yourself with people who support and motivate you.
Final Thoughts
Focus on learning and developing practical skills.
Start earning through a job or business.
Save and invest wisely to grow wealth over time.
Stay patient and disciplined. Success takes time.
Your journey may be difficult, but with the right mindset and consistent effort, you can improve your financial situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hi Niranjan,

As the name suggests, these funds allocate funds across asset classes, Equity, Debt and others (Treasury bonds, InvITs etc).

ICICI Prudential Multi-Asset Fund is the largest fund by AUM in this category. It also has a a more stable returns history and inexpensive primarily due to low turnover ratio.
Quant Multi Asset Fund is relatively quite small but a challenging contender (if last 1 year returns are not considered). Its expensive as its Turnover ratio is higher.

If you have high risk profile then you can consider the Quant fund, otherwise go for ICICI fund.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ans: Dear Anonymous,
You put too much effort only when you expect a certain outcome. Why don't you just enjoy getting to know her gradually rather than thinking what you have to gift her? Is it not possible to take it slow and see what comes out of it. Maybe she is rather shy and likes to take things slow?
And what's the point timing things like chats? It will always seem like it's less or not enough. What should be enough is that you and she like one another and start this journey together by accepting one another and not focus on what's not happening. If you are still in doubt, maybe what might help is doing things that she likes but together. You are putting effort in a manner that you know BUT is that the manner that she understands and responds to?

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

Ans: Lipectomy or skin with fat removal surgery is done for weight loss only when there is lot of hanging skin with lot of fat in it.
In such a case, the surgery is generally safe

Ans: Hi,
If no income in transaction than there will be no income tax, as in your case no interest so no income tax leviable.
Happy to help - Thanks.

Ans: Hello
Don't think at 35 there are any full time career opportunities in regular Army/Police.
Territorial Army (TA) could be an option for part time service in Army that does offer position/perks as per regular cadre officers.
Details are available on TA website if you wish to explore further.
Best of Luck!
Major Inderpaul
HR Expert, Career & Relationship Coach