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Anu Krishna |1328 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 15, 2024

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

Question by Shivkant on May 10, 2024Hindi

Relationship

I want to ask sir, is marriage necessary for life? After getting a break up i have no more courage to enter in a relationship again . I am 28 year's old only. Please give me some suggestion

Ans: Dear Shivkant,
Marriage is not necessary for life. But if you wish for companionship that is based on friendship and trust, it is a nice feeling to go along with.
One failed relationship does not mean that all relationships will sour; it only teaches you about what went wrong and what can happen better. Have faith and believe that things work itself out eventually and the best is yet to happen for you!

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

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Anu Krishna |1328 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

Question by Raajp - Apr 20, 2023Hindi

Relationship

Hello Anu Ji, Firstly thank you very much for your valuable time and feedback on problem. Thanks for understanding me & my POV in this small conversation. After so long Its you who had read between the lines .I am really very thankful of you , that you have given me such a lovely advice. But I am bit confused. After reading mail I was really get very positive and optimistic about my decision. I read ur mail 4 times , I got a positive ray of hope with lot of confusion comes with it . You said “You are possibly still healing from your divorce and are not ready to get into another marriage.” Yes this is the question. Its almost 7 years why I can’t be able to overcome from that dilemma and trauma which I got in past . You said “First, sort your mind out and then think of another relationship” , yes another question what should I sort it down and how ? You said “ what is it that you want and want to do?” this the problem which is not letting me move on.bcoz of this I am so much confused I can’t express you in word . I am not able to understand my wants ……………there is a Cat- Rat Race from Head to heart………from Heart to head all day. In simple words its (Kashmakash). You know ……….. I also want to get married, I want a companion …partner with whom I want to share my emotions, joy’s,……..happiness….etc., I want kids , I want to go for long drives , outings , dance with my wife , and lot of other small big things in my mind, which I was not able to do in past marriage. I want someone, to whom I can share my feeling when I am low. I am strong enough to take care of myself but u know … You need someone who say’s “Don’t worry Allz be well, I am with you “. But for this I have to Trust the other person that’s the thing I Am unable to do it . I don’t know why, I don’t Trust anybody now? why I am creating a vicious circle about trust .? You said one thing very beautiful “So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you” these words really touched my heart .thanks for the encouragement and the words of strength. I really need it very badly. These words give me a new direction to think and bit of strength to my POV. Please forgive me about my English language ……. I am not very good at it and may be you find few thing repetitive and irritating. Pls ignore it . Hoping that I am able convey my POV and feelings of my problem so that u can easily understand…….and on that basis you give Your valuable feedback and advice. Thanks R@@J

Ans: Dear Raaj,
Thank you for your kind words.
The follow-up questions that you have asked me requires a deep-dive introspection from you. You have very clearly and intelligently come up with these questions which is difficult to do when in a problem. But you have managed to do that. So congratulations on taking the first step!

To clarify, always clear any remnants from the previous relationship before you begin a new one. Also, any relationship including marriage is something never to be entered into to please anyone. Do this only when you are ready and there is no need to give into any pressure. Your longing for a companion is sweet but as I have mentioned, ask all these questions to yourself and reflect.
Also, ask:
- am I completely ready to commit to a marriage?
- am I carrying any fear/anger from the previous marriage?
- how will I keep my relationship with my daughter after my marriage?

And yes, the day you learn to love yourself again, you will find it easier to trust again and that's why I said: Heal first...and then think of a companion. Without that trust, you will be playing a game again and it will not end well.
Take some time off to rediscover yourself and heal. Heal by loving yourself and things will flow without you having to chase one lady after the other. Love must be effortless and not chased or forced. Take a break; fear nothing...All will be well...

All the best!

Anu Krishna |1328 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 05, 2023

Asked by Anonymous - Aug 02, 2023Hindi

Relationship

Hi, I am 43 years old divorce male without any kid. After 5 years long court case , I was divorced 1 year ago. I have no desire to go again in any relationship as I have lost faith in relationship after my past experience and also I am in working in High pressure Banking Sector and almost fade up with work pressure. I am confused what should I do in future. Any suggestion will be helpful.

Ans: Dear Anonymous,
It is unfortunate that you had to go through what you have.
It is also understandable why you would feel unsteady and unwilling to trust the process again...
But, let it not rob you of opportunities of exploring a new connection and this will be possible only if you allow yourself to trust...
Because if you don't, you will end up sinking into work to distract yourself. This is unhealthy as it will lead to loneliness and despair. You surely wouldn't want that, would you?
Allow yourself to Let Go...It takes a lot to do that but once you do, it will open your eyes to numerous possibilities. Having said that, do this when you ready...it maybe now, next year or whenever BUT tell yourself that someday you are willing to open your heart to a possibility of a connection. This thought will keep you feeling safe and happier. This will also help you face your job pressures better as all areas of our lives are all linked to one another.

All the best!

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Relationships Expert, Mind Coach - Answered on Feb 10, 2024

Question by srinithi - Sep 14, 2023Hindi

Relationship

HI MY NAME SRINITHI AM DIVORCE PERSON I HAVE ONE D/O 9 YR OLD .. AM STAY WITH SINGLE BUT MY MIND CHANGED . I NEED MARRIAGE FOR MIND

Ans: Hello Srinithi, it's understandable that your feelings and priorities can change over time. If you're considering marriage again for companionship and emotional fulfillment, here are some suggestions to navigate this process:

Reflect on Your Needs:

Take some time to reflect on what you're looking for in a partner and in a marriage. Consider your values, priorities, and the qualities you find important in a potential spouse.
Communicate with Your Child:

If you haven't already, have an open and honest conversation with your 9-year-old daughter about your feelings and intentions. Ensure she feels comfortable and secure with the idea of you entering into a new relationship.
Build a Support System:

Reach out to friends, family, or a support group who can provide emotional support and guidance as you navigate the process of seeking a new relationship.
Take It Slow:

When you feel ready to explore the possibility of a new relationship, take things at a comfortable pace. Get to know potential partners gradually and allow relationships to develop naturally.
Be Honest About Your Past:

When entering into a new relationship, be open and honest about your past, including your divorce. Clear communication is crucial for building trust and understanding.
Consider Professional Support:

If you find it challenging to navigate these emotions on your own, consider seeking guidance from a counselor or therapist who can help you explore your feelings and guide you through the process.
Set Boundaries:

Clearly define your boundaries and priorities in a new relationship. Understand what you're looking for and what you're willing to compromise on. This will help you make decisions that align with your values.
Stay True to Yourself:

Remember to stay true to your own needs and desires. Don't feel pressured to enter into a new relationship unless it feels right for you.
It's important to prioritize your well-being and the well-being of your child as you consider a new chapter in your life. Taking things step by step, being open in communication, and seeking support can help you navigate this journey more smoothly.

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Question by MRUDULA - Sep 15, 2024Hindi

Relationship

My age is 39 with one male child, Im a divorcee , should I need remarriage in life.

Ans: Nobody “needs” a second marriage; either you want one, or you don’t. And you’re the best judge of that, not I! You can also have a relationship and see where it goes before discussing the ‘m’ word!

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Question by Basab - Aug 26, 2024Hindi

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Would you please clarify the following doubts in regards to MF related ITR filing? 1. While filling ITR2 for MF, is the fair market value of units as on 31.01.18 is required,if units are purchased only last year and intend to sell this year. 2. Where I would get FMV as on 31.01.18 for my older units.Is it the NAV on 31.01.18? 3. For units which were initiated/started after 31.01.18, and purchased two/ three years back, only sell price and acquisition cost are sufficient? 4. Are the FMV available in AIS in ITax portal? Thank you

Ans: 01. FMP is required only in cases, where Shares/MFs were purchased before 31.01.2018.
02. Shares/MFs purchased last year or after 31.01.2018 will not require any such details.
03. I feel, FMV is not available in AIS (IT Portal).
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Dear sir, Please suggest remedy for the situation in which my previous Employer has deducted TDS on salary for May'2024 and deposited with income tax as reflecting in Form 26 AS as salary credited & but has actually not paid the salary amount. The mode of salary payment is online bank transfer.

Ans: 01. Please keep in touch with your employer & claim your unpaid salary.
02. I hope this is not a case, where you have not served proper notice before leaving the job & your employer has adjusted your salary payable against notice period salary.
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Question by Ramesh - Nov 15, 2024Hindi

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My old Pf account without UAN no i am drawing the reduced pension from 2013 onwards at t age of 50 years n then I have joined t organization in t year 2010 in this new PF no n UAN no is available my pension contribution is available my service is totally 9 years 6 month how to draw t pension contribution in full r merge t amt to t old PF no without UAN no plz guide

Ans: It is advisable to merge your both PF accounts. In fact you should have continued with your old PF account, even in new employment. This would have increased your pension admissibility. Visit your concerned PF Office & work out the best option, possible at this stage.
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Asked by Anonymous - Nov 16, 2024Hindi

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I make a gift of Rs.50 lacs to my sister through bank transfer. She then invests it in Fixed Deposit or some house property in her sole name. The Interest Income earned from such Fixed Deposit or the Rental Income earned by her will be taxed in her hands or in my hands. I am informed that such Income will be taxed in the my hands as Income from Other Sources and not taxed at the hands of my sister. What is the logic of this taxation?

Ans: 01. Your view seems to be correct that income from gifted amount to your sister, shall be chargeable to tax in your hands only.
02. Logic of this treatment of Income is to close the ways to transfer of assessee's income in the hands of his relatives. This practice is adopted to avoid or reduce tax liability.
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Asked by Anonymous - Nov 26, 2024Hindi

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I have retired from private job 7 years ago at the age of 44. I have not withdrawn my pf and getting interest every year on the same. Is it correct to continue the pf or should I withdraw?

Ans: Hello;

Your EPF account will continue to get interest upto 58 years of age so you may hold it till that time.

Although EPFO has a rule that epf accounts will become inoperative after 36 consecutive months of no contribution except interest but they have a policy decision of honouring interest payment on corpus till member age of 58, despite this rule.

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Asked by Anonymous - Nov 22, 2024Hindi

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Hi doctor, I am 44 years old, and my menstrual cycle is currently 20 days. I got my period on September 30, 2024, and then I took an emergency contraceptive pill (i-pill) on October 9. I had my regular period on October 21. Now, I have missed my second period; today is October 22, and I still have not started. How long should I wait for my period to arrive, or should I take a pregnancy test? This was my first time using an i-pill, so I would like some advice. Is it normal to have a delay after taking an I-pill? How many days could it be delayed? Please suggest what I should do.

Ans: Hey, since you are 44 years, you are in your peri menopausal phase which causes hormonal imbalance
But since have consumed IPILL, which is an emergency contraception, periods can be up to a week late and sometimes even later. If your period is more than a week late, we recommend taking a pregnancy test. You may have some irregular bleeding after you take the Ipill, and before your next period. This can range from spotting to heavy bleeding.
So please do home pregnancy test once to rule out pregnancy. If its negative, then await normal regular periods.

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Asked by Anonymous - Nov 02, 2024Hindi

Money

I recently sold a piece of land inherited from my father for ?62 lakh. Since both of my parents are deceased, I am their sole legal heir. Under Section 54EC of the Income Tax Act, I am eligible to invest up to ?50 lakh in government bonds to save on long-term capital gains (LTCG) tax. These bonds offer an interest rate of 5.25% and have a lock-in period of five years. After making this maximum investment of ?50 lakh, I am left with a remaining amount of ?12 lakh. I would like to know if there is any way to utilize this remaining ?12 lakh without incurring LTCG tax on it. Additionally, I currently have a personal loan with an outstanding balance of ?10 lakh, and I am considering using this ?12 lakh to pay off that loan. Can I use these funds to close my loan without triggering any LTCG tax implications?

Ans: 01. You have sold the land for Rs.62,00 lakhs. This is the Sale amount & not Capital Gain.
02. Please work out LTCG by reducing Cost of Land from this sale amount. May be you LTCG is less than 50.00 lakhs & it serves your purpose.
03. However, I would like to suggest you to invest the amount in any residential property, which would enable you to save LTCG tax and also provide you lucrative return, instead of 5.25%, as offered by the bonds. It would also reduce LOCK-IN period from 5 to 3 years.
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Question by Deep - Oct 30, 2024Hindi

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I have 2 under-construction flats of 35L each ( i.e. total 70L ) which I had got via government lottery in the name of my Mother and Father respectively. Based on the status I think it will take another 2 years to be completed ( i.e. by 2026 ) and then I intend to sell them immediately after getting possession. This sale should fetch me around 1.2 Cr. I am planning to buy a new flat which would cost around 1.9 Cr and I will take a home loan to the max possible extent based on eligibility ( my yearly gross income is 40L ). The flat is a new launch and is expected to be completed and handed over by 2028. Will I be eligible to claim capital gains tax ( STCG or LTCG? ) exemption on that sale mentioned before, if I buy this flat now?

Ans: 01. You have to purchase a new house property within 2 years after Sale of Flat, to enable you to be entitled for exemption u/s 54. Kindly watch timeline, between sale & purchase of Flats.
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Tax Expert - Answered on Nov 26, 2024

Question by R - Nov 19, 2024Hindi

Money

Sir, While filing the return for AY 2024-25, I had, by mistake, paid the balance of tax amount and TDS i.e. Self-Assessment Tax twice through online procedure. Both these amounts appeared in AIS under different BSR Codes and challan numbers on the same date. In the return, obviously, only one of the amounts had been entered and hence only one of the amounts was accounted for in the tax calculations while the other amount remained unaccounted, though appearing in AIS. The return has been duly processed under 143 (1) with no demand- no refund. Now, the question is- how can the unaccounted and unused amount appearing in AIS for AY 2024-25 shown as Self-Assessment Tax can be utilised for the next AY, viz 2025-26 as Advance Tax? What procedure should be followed? Alternatively, can this unused amount be claimed as a refund, through a revised return showing both these amounts or a rectification return would be appropriate? Shall be grateful if you kindly guide me as to how to do this. R M Khatsuria, Pune

Ans: 01. This amount paid in excess can't be claimed as ADVANCE TAX PAID in the ITR of next year.
02. You may file Revised ITR & claim back excess Income Tax Paid, which is clearly mentioned in 26AS & AIR for the relevent financial year.
Most welcome for any further clarifications. Thanks.

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Question by shiban - Nov 21, 2024Hindi

Money

last 7 out of 10 years i was NRI. 23-24 NRI 24-25 R 25-26 aagain NRI will my NRE deposit be taxed for 24-25

Ans: In our opinion, it should remain tax free.
Most welcome for any further clarifications. Thanks.

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