I have two flats. Both are registered in my name along with my wife's name.

We are also co-borrowers of the loan for both flats; however, I have mainly paid the premiums.

Now, the loan for one flat is over and the second one is going on.

The rent from the first flat goes to my wife and the rent for the second one goes to me.

Can we separately file ITR-1 showing income from one house property for each and showing the rent income?

Or I have to file ITR-2 showing two house properties?

Ans: Hello Manan,
My simple advice to you would be to get back to some job while you can continue to ponder over your long term goals/passion/pursuits.
Sitting idle (with no funds) at home won't help & it is not going to do any good to your career/life plans.
Simultaneously you can continue to do introspection & chalk out a proper plan as far your larger life goals are concerned.
Say you earnestly wish to pursue higher studies than you need to get yourself these answers 1) Why you need a higher degree in first place ? 2) Will it help you to get job/career of your choice? 3) If yes, then shortlist some relevant good courses & start exploring admit process etc. 4) Meanwhile do account for funds that will help you to time your break from the job (savings, loans etc.)
Likewise ask yourself questions for each option you have in mind & be honest in responses, that will help you to zero on your real aspiration & then do the proper detailing/planning. This may entail some compromises in short term but will certainly pave your way to achieve long term goals.

Best of Luck!

Major Inderpaul
HR Expert, Life & Relationship Coach

Ans: Hello Ganpati,
While I understand that most interviews are conducted in English and fluency does help in getting good impression. However, unless job under consideration demands so, lack of it should not deeply hamper your chances if you are otherwise competent & able to present so in a different language.
In fact, most sensible interviewers do ask the language comfort of interviewee & even interviewee is free to express that upfront.
Having said that, since English happens to be the most common medium of communication at workplaces, a decent hold will certainly do no harm to your overall career prospects otherwise. Hence I suggest that you do not limit this to the interview rather make a concerted effort to improve your language skills in general. There are ample online/offline options available nowadays to groom such skills.

All the Best !

Major Inderpaul
HR Expert, Life & Relationship Coach

Ans: Your question is not clear to me. Yes you can give JEE exam three times.

Ans: Dear Anonymous,
What do you mean by "marry her in the future?" Aren't you already married? Are you planning on divorcing your wife? Because that's the only way you can marry this person you have only met twice and is also barely an adult.

I would suggest focusing on your marriage and your kid. If necessary, speak to your wife and figure out what's lacking in your marriage that you are seeking romantic feelings outside of it. You can even consider seeing a marriage counselor. Doing what you are doing without your partner's knowledge isn't moral.
Hope this helps.

Ans: Dear Anonymous,
It is truly important for all, regardless of their gender, to have financial independence. So, I would first suggest you focus on getting a job. And then you might have more strength in your proposal to marry the person you love, and even your parents will know that you can take care of yourself in case the alliance does not go well. I know it hurts you that your parents are not considering your feelings, but I urge you to understand that they are doing everything in your best interest.

Hope this helps.

Ans: Dear Anonymous,
I understand that you are hurt and the complexities of the hearts might be difficult sometimes to grasp. The first reason for your sorrow, her past relationship, and the fact that she was physically intimate with them is not completely justifiable. Though I understand that you feel hurt because she did not disclose it to you, still it should not matter so much as to ruin your present relationship. And whether she will open up about such sensitive details is actually up to her. It has nothing to do with how much she loves you or trusts you. Please understand that.

Now coming to the next thing, the fact that she is still in touch with them and has even met one of them, that is slightly concerning. It would have been okay if she did that openly- please understand that I am not saying she should have asked for your permission, but rather discuss the same with you. Moreover, in a relationship, it is also important to understand how much your partner is comfortable with- goes for both men and women. If you are uncomfortable with her relationship with her exes, she should consider that. I would have said the same if the table was turned. I suggest you have a clear conversation with her and express how you feel about this situation- depending on how she reacts and how the conversation goes, you both can think about the next step.

Hope this helps.

Ans: Hi!!

This was my article in Rediff on world Youth Skills Day.... hope this helps !

https://www.rediff.com/getahead/report/world-youth-skills-day-5-skill-lessons-for-you/20240715.htm

All the best!!

Ans: Salary paid to driver and fuel expenses by employee, reimbursed by employer was never part of income. Said reimbursement was not an income if car is used purely for official purpose and car is owned by employee.

Ans: No change is proposed in Budget 2025 for cess and 44AD limits