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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Rajiv Question by Rajiv on Feb 20, 2024Hindi
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Relationship

i feel stuck in my life, could not focus on anything. How can i improve.

Ans: Feeling stuck and lacking focus can be incredibly frustrating. While I can't replace a qualified therapist or NLP life coach, I can offer some suggestions based on NLP principles and general psychological practices that might help.

Understanding the Stuckness:

Self-reflection: Take some time for introspection. Ask yourself: what specifically feels "stuck"? Is it a particular area of your life (career, relationships, etc.) or a general feeling of unfulfillment? What are your thoughts and emotions around this feeling?
Identify unhelpful patterns: Are there negative thought patterns or limiting beliefs that might be holding you back? Do you constantly criticize yourself or doubt your abilities? Recognizing these patterns is the first step to changing them.
Shifting Your Focus:

Start small: Trying to achieve too much at once can be overwhelming. Set small, achievable goals to build momentum and confidence. Focus on celebrating small wins, no matter how insignificant they might seem.
Practice mindfulness: Techniques like meditation or deep breathing can help you become more present and aware of your thoughts and feelings without judgment. This can improve your ability to focus and prioritize.
Reconnect with your values: What are your core values and passions in life? Reminding yourself of what truly matters can guide your decisions and provide a sense of direction.
Taking Action:

Challenge negative thoughts: When you catch yourself thinking negatively, actively challenge those thoughts with evidence to the contrary. Ask yourself, "Is this thought truly helpful?"
Break down big tasks: Feeling overwhelmed by large tasks can easily lead to procrastination. Break down big goals into smaller, more manageable steps to make them less daunting.
Seek support: Talk to a trusted friend, family member, or therapist about what you're going through. Talking things out can provide valuable perspective and support.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 23, 2023

Asked by Anonymous - Feb 07, 2023Hindi
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Relationship
i feel defeated in life how to start again and move on path of happiness
Ans: It's normal to feel defeated and stuck at times, but it's important to remember that it's never too late to start again and work towards a happier life.

Here are some suggestions to help you get started:

Identify your goals and passions: Take some time to reflect on what you want to achieve in life and what makes you happy. This could be a new career path, a hobby, or a personal goal. Identifying your passions and goals can give you a sense of direction and purpose.

Break down your goals into small steps: Once you have identified your goals, break them down into small achievable steps. This can make them feel less daunting and help you stay motivated.

Create a plan: Develop a plan for how you will achieve your goals. This could involve taking classes, networking, or seeking out mentorship or guidance.

Surround yourself with positive people: Seek out the company of people who support and encourage you. Positive relationships can provide you with the emotional support and motivation you need to move forward.

Practice self-care: Taking care of your physical and emotional health is important in achieving happiness. This could involve eating healthy, getting enough rest, and engaging in activities that bring you joy.

Remember, moving on from a difficult time in your life takes time and effort. Be patient and kind to yourself as you navigate this process. Seeking the help of a therapist or counselor can also be beneficial in working through feelings of defeat and developing a plan for moving forward.

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Archana

Archana Deshpande  |100 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Career
Hi, Im a 23 year old mechanical engineering graduate, currently unemployed, I am feeling to do some progress everyday, but day after day, nothing changes, I cant figure out what to do with this life and feeling very much lost, Cant think properly on doing what changes my life?
Ans: Hello!!

This information you have shared is not enough to understand what is that you are exactly wanting right now.
Let me see how I can help you. First of all extend your arm and pat yourself on the back for completing your engineering. You are a mechanical engineer!! Celebrate the fact and feel good about yourself.

I like the fact where you say "I am currently, unemployed", this can change soon, look out for opportunities, keep attending interviews, prepare well, ask for help, give it your best shot. Treat every failure as part of a learning process in becoming better next time. Surround yourself with positive and encouraging people.

Till you find a job, live life well on a day to day basis-
1. wake up early
2. exercise
3. eat well and sleep well
4. dress well at home too, don't be in your pyjamas, you should be in such a state that if someone asks you to come for an interview right away, you must be ready
5. beware of negative self talk... nip negative thoughts in the bud
6. looking for a job is your full time job, keep looking
7. be helpful around the house if you are living with your parents
8. till you find a job keep learning and building on your skills
9. volunteer to teach and help the less fortunate lot
10. do not sit idle, keep your body and mind active

Constantly invest in activities that ensure your physical, mental, emotional and spiritual well being!! Have rituals that focus on these four pillars of your life!

Blessings and all the very best!!

..Read more

Anu

Anu Krishna  |1527 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 03, 2024

Asked by Anonymous - Jul 01, 2024Hindi
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Relationship
Im 28M, feel like i have done wasted a lot of my life till now. I'm in a career but its not going good, I waste a lot of time in mobile, I don't have have any social life. I feel immature for a relationship. My patents are looking for a match, but I feel unworthy. I want to improve myself atleast till a point where I can accept myself. Please help.
Ans: Dear Anonymous,
You are most likely in a space which is forcing you to think different from what you thought to get to where you are now.
So, take it as a good sign!!!!!!
Ask yourself:
- What do I want from life and in life?
- How do I want my relationships to be?
- How can I improve my money situation?
- What is an ideal health like for me?

These are very general questions. Once you get to the bottom of these, you will get to a point where you might feel stuck BUT will know what the problem area is. This is half the battle won.
From that point on, either, you dig deeper by putting clear goals and following them. If you find it difficult to do this, find an expert who can guide you further by working on the challenge area in great detail leading you to a useful solution. Taking the first step is a huge improvement. It's a step towards a better life than what you are leading now. So, wake up and move yourself to answer the first set of questions...it will give you a way forward...

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

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Money
I have taken a floating home from Axis Bank for 30 lakh last year, with a interest rate of 8.5%, i have also prepaid 5 Lakh within five months, now i have an outstanding amount of arround of 24 lakh, as the RBI reduced the repo rate, Bank is refusing to reduce interest rate from 8.5% to 8.25%. please suggest what should i do now?
Ans: You took a floating-rate home loan from Axis Bank at 8.5% interest.
You prepaid Rs 5 lakh within five months, reducing your outstanding amount to Rs 24 lakh.
RBI reduced the repo rate, but Axis Bank refuses to lower your rate to 8.25%.
Why Your Interest Rate Is Not Reducing
Banks do not always pass repo rate cuts immediately to all borrowers.
Some loans are linked to MCLR (Marginal Cost of Funds Based Lending Rate), which adjusts slowly.
New loans might be under RLLR (Repo Linked Lending Rate), which reacts faster to RBI rate cuts.
Your loan agreement decides how and when rate cuts apply.
What You Can Do
1. Ask for a Rate Reduction
Request Axis Bank to switch your loan to an RLLR-based loan.
Banks charge a conversion fee, but it might save you lakhs in interest over time.
2. Compare with Other Banks
Check other banks' home loan rates for balance transfer options.
If a bank offers a lower rate, consider switching the loan.
Ensure the processing fee & charges don’t negate the benefit.
3. Negotiate with Axis Bank
If you have a good repayment record, negotiate for a lower spread or margin.
Mention that other banks offer better rates, increasing your bargaining power.
4. Make Partial Prepayments
If you have extra savings, consider small prepayments to reduce interest burden.
Prepaying reduces the principal, which lowers total interest paid.
5. Use a Home Loan Overdraft Account
Check if Axis Bank offers a home loan overdraft facility.
You can park surplus money and withdraw when needed, reducing interest payments.
Best Action Plan
Contact Axis Bank and request a switch to an RLLR-based loan.
Compare other banks for balance transfer options.
Negotiate for a lower spread if staying with Axis Bank.
Consider prepayments to reduce long-term interest costs.
By taking the right step now, you can save a significant amount on interest payments.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
I have sold a plot worth for 1.85 cr... I have bought a plot worth 1.4 cr... can i keep the remaining in my saving account for house construction or do i put the balance amount in a cgas account
Ans: Since you sold a plot for Rs 1.85 crore and purchased another plot for Rs 1.4 crore, you have a balance of Rs 45 lakh.

Capital Gains Tax Implication
Long-Term Capital Gains (LTCG): If the plot you sold was held for more than 2 years, the profit is considered long-term capital gains (LTCG) and is subject to tax.
Tax Rate: LTCG on real estate is taxed at 20% with indexation benefit.
Reinvestment for Tax Saving: You can save tax by reinvesting the gains in a residential property under Section 54F of the Income Tax Act.
Can You Keep Rs 45 Lakh in a Savings Account?
No, if you intend to claim tax exemption under Section 54F, you cannot keep the balance amount in a savings account beyond the due date for filing your Income Tax Return (ITR).
If you don't invest in a residential house before filing your ITR, you must deposit the unutilized amount in a Capital Gains Account Scheme (CGAS).
You must use the CGAS amount within 3 years for house construction.
What Should You Do?
If You Are Constructing a House
Deposit Rs 45 lakh in a CGAS account before the due date of filing your ITR.
Use this amount within 3 years for house construction to claim full tax exemption under Section 54F.
If You Are Not Constructing a House
The Rs 45 lakh will be taxed as LTCG, and you must pay 20% tax (after indexation benefits).
Consider other tax-saving options, like investing in bonds under Section 54EC (with a 5-year lock-in).
Final Insights
If you plan to construct a house, deposit the Rs 45 lakh in a CGAS account before filing ITR.
If you don’t use this amount within 3 years, it will be taxed as LTCG in the year of expiry.
If you don’t want to construct a house, be ready to pay LTCG tax or invest in 54EC bonds for tax saving.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

T S Khurana

T S Khurana   |364 Answers  |Ask -

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation
Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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