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Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 09, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Sep 30, 2023Hindi
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Relationship

Hi, I am a 53 years old male, lost my loving wife last year who was 46, I do have 2 kids who are into higher studies now aged 22 and 18, off late have been feeling very lonely and upset and have not been able to forget my late wife, life seems to be too useless now. Many a times i think of having a new partner for the rest of my life then these feelings also die down. Am quiet worried as to how I will be able to live second half of my life as sooner or later the children will be busy in their own lives, what to do?

Ans: Dear Anonymous,
I am truly sorry for your loss...
The journey of grief is so different for each person and you can feel alright on one day and devastated on another day...Give your self ample time to grieve and speak about her; it will be painful but the more you allow yourself to speak about her, you will notice that you are closer to accepting the fact of your loss...it is a journey, so do take your time...
But in the meantime, do make sure that you do take help in the form of a support system of your family and friends. Yes, they do have their own lives but I am sure that they will step in kindly when it is required.
Also, you might find that you socially isolate yourself and move away from everything that used to give you joy. You must find a way of getting back to all of those things reminding yourself that you must live your life too...this is initially a way of filling the vacuum, but soon you will find that it does more that just distract you.

Finding another life partner is a decision that is yours to make; but I will suggest that you heal from the loss and then if and when you feel the time is right, you may seek a life partner. But right now, all you will do is find a huge respite to fill in your loneliness and not be able to form a connection with that person. So, take care of yourself first, heal well and then slowly make life-altering decisions.

All the best...I am sure you can do this!

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Relationships Expert, Mind Coach - Answered on Sep 24, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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I am a 52-year-old man. 6 months back I lost my wife accidentally. I have one son and one daughter. My daughter is in 10th and my son is in 3rd year of engineering. In the absence of my wife, my entire house has been collapsed. Most of our relatives make decisions on my behalf. My kids don't listen to me, especially my son. For them, i am just supposed to take care of their needs and continue till the children get settled. Thereafter i should think about my life. It was a quite selfish decision by my children. My wife was a housewife. I am working very hard to give them a better life. But all my efforts are in vain. At present my mom is with me. She is old and trying to help us out but still, my kids don't like her. I have tried hard to ensure that they do not feel the absence of my wife. Everything has been cared for, but at the end of the day, I am alone. I don't know what will be the future. I want to go for a second marriage but my kids have threatened me that they will leave the house immediately even if I give it a thought. My journey has been quite stressful. I have loans which have to be paid by me. I need a partner with whom I can share my feelings, one who cares for me and takes care of me and my children. But in recent situations i am totally stressed and don't know how to handle it. need advise
Ans: Your children, however, seem to be struggling with their own grief and fears about change, and that’s creating tension between their needs and your desire for a second marriage. It sounds like they are clinging to the memory of their mother, which may be why they are so resistant to the idea of you remarrying. While their emotions are understandable, it’s unfair for them to dismiss your own needs or expect you to ignore your feelings for the sake of their expectations.

To handle this situation, it's important to begin by opening up an honest and compassionate dialogue with your children. They may not realize the extent of your loneliness or how much you're shouldering on your own. In this conversation, avoid focusing on remarrying immediately but instead express how you're feeling emotionally. Let them know that just as you’re doing your best to provide for them, you also need support and companionship. This might help them understand that your desire for a partner doesn’t mean you're replacing their mother, but that you need someone to help you heal and navigate life.

Grief counseling or family therapy could be very helpful here as well. Grief affects everyone differently, and a neutral professional can help you all work through these emotions together. Your son and daughter, especially being at different stages of their lives, might benefit from understanding how each of you is processing the loss differently.

As for the practical side, with your mother's help, you're already doing everything you can to keep things together. It's understandable that you need help beyond the daily chores—emotional and relational support is vital for anyone. Your children, though they are resisting now, may come to understand this over time, especially if the focus is on helping them adjust to their own loss first before you push the idea of marriage too far.

Lastly, do not give up on the thought of a second marriage if that’s what your heart truly wants. Your children may eventually understand, but it will take time and patience. Prioritize your emotional well-being and don’t feel guilty for wanting to find love and companionship again. After all, your happiness matters too, and a loving relationship can positively impact both you and your children once they’ve had time to adjust.

In the meantime, take one step at a time: focus on communication, seek external support like therapy, and make sure you're caring for yourself emotionally, even if it's hard right now.

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Sir i am currently in class 11 th and i just want to prepare for jee mains and advanced 2026 exam so give me some roadmap to achieve and also guide me for computer science
Ans: Shreya, I trust that you have already enrolled in a coaching center, whether it be online or in person, and have finished your eleventh syllabus. (1) If you have not yet created your own short-notes for the 11th syllabus that has been completed, prepare it and continue to revise them every three days until 2026, even after you have commenced studying the 12th syllabus in December 2024. (2) Review the questions that you have incorrectly answered or skipped in mock tests conducted by your Coaching Center and/or practiced independently. (3) In order to increase your rank/percentile by targeting computer science at a reputable college/institute, prioritize mathematics (although all three subjects are equally important). (4) You should be thorough with NCERT books, particularly those pertaining to chemistry, in conjunction with the materials provided by your coaching institute. (5) Have 1-2 reference books for each subject. Not exceeding two. (6) Review the questions that were incorrectly answered or skipped in your mock and practice exams and retake the test. It is advisable to maintain a distinct note-book for these types of questions, which should include answers and elucidating notes, in order to review them repeatedly for all three subjects. (7) Download the SYLLABUS of JEE Main 2025 (available on Google by searching for "JEE Main Information Bulletin") and print it out, as there will be no significant changes to the syllabus in 2026. Maintain it on your study table and continue to update the 11th syllabus chapters and concepts that you have covered to date by marking them with a checkmark. This will boost your confidence if you continue to update the same till November 2025. (8) A slight difference in Syllabus might be visible when you acquire the 2026 JEE Main / JEE Advanced Syllabus. The same can be resolved within 15 days to one month in 2025-26. (9) Increase your productivity by studying for 45 minutes to 1 hour, taking a 10-minute break, and then continuing for 45 minutes. (10) Take a 2-3 minute break every 45 minutes while practicing questions, whether offline or online. This break should consist of closing your eyes and taking long breaths to enhance your concentration and mental capacity. (11) Additionally, it is recommended that you acquire the 20-40 PREVIOUS years question paper book of JEE (Main & Advanced) from Amazon. Arihant's, Disha's, or MTG's publications are recommended. Once you have finished reading a chapter, practice and complete it to determine the extent to which you have comprehended the concepts and to identify areas that require improvement. (12) By October 2025, ensure that you have reviewed significantly more than 90% of the previous years questions. Your confidence will be further bolstered by this. (13) After the mock test is completed at your coaching center, clarify all incorrectly answered or ignored questions and continue to revise and practice them, as these types of questions will significantly disrupt your performance in the actual JEE. (14) If you are a regular school student, inquire with your class teacher about the minimum attendance requirement as outlined in the Board's regulations (State, CBSE, ICSE, etc.). Utilize the remaining 15% by taking time off and preparing for your JEE, if only 85% attendance is required. (15) THE MOST IMPORTANT Value Added Suggestion: Rather than solely relying on JEE, please participate in 5-7 entrance exams/counseling process with a JEE score for getting admission into any one of the private engineering colleges to have a variety of options to select the most suitable one. All the BEST for Your Prosperous Future.

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T S Khurana

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Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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