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Mohit Arora |68 Answers |Ask -Follow

Dating Coach - Answered on Jun 02, 2024

Mohit Arora is a relationship coach, image consultant, soft skills trainer and the founder of Real Dating School. He has a BTech degree in computer science from the Rayat & Bahra Institute of Engineering and Biotechnology, Mohali, Punjab. He has been conducting customised skilling and communication workshops since 2014.... more

Question by Bablu on Jun 02, 2024Hindi

Relationship

Hello love guru mera name bablu rahul he or me ek long distance relationship me hu social site par usne mera name aaj tak nahi pucha lekin mene use apna name sirf rahul bataya jo ki mera cast he or hamare relationship ko 3 month ho gaye he lekin ab mujhe ye samjh nahi aa raha ki me use real name kese batau pls help me.

Ans: Long distance relationship is a waste of time. Its just mental masturbation. Don't over think. Just tell her. Its not a big deal

RelationshipReply

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Question by Bhuvnesh - Apr 04, 2023Hindi

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Dear love guru mai ek talakshuda mahila se social media par mila Mai bhi talakshuda hu thode din ki chatting ke bad humne aapas me apne number bhi exchange kar liye hume chat karte hue almost one month ho Gaya hai or Humne aapas me kai photos bhi share kiye hai (not intimate) ek din bato bato me unhone mujhse kaha ki i got a crush on you mai bi unko pasand karne laga hu or unhone ye bhi kaha ki wo ab relationship me aan chahti hai par unhe ab Tak koi Mila nai unhone mujhe apne bare me kafi kuch bataya nai unke sath relationship me aana chahta hu par mujhe samajh nai aata ke kaise kahu dar hai ki kahin wo bura na Maan Jaye so please help me mai unko apne Dil ki baat kaise bataun kaha se shuruwat Karu pls help me. thanks and regards

Ans: Saaf saaf bataa do ki aap bhi interested hai, lekin thodi aur pehchan ke baad. Koi ek mahina chat karke relationship nahin shuru karta. Ek doosre se milo, date pe jao, in-person baat karo aur phir dekho.

Ravi Mittal |500 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jun 03, 2024

Question by Bablu - Jun 02, 2024Hindi

Relationship

Hello mam mera name bablu rahul he or me ek long distance relationship me hu hamare relationship ko 3 month ho gaye he lekin bo mujhse milne ki bol rahi he problam ye he mam ki hamari first chat hui thi tab mene use apna name rahul bataya jo ki mera surname he ab ise bo mera first name samajhti he lekin mera first name bablu he ab me usko kese batau ki mera name name rahul nahi bablu he ham sono me se apna relationship koi kharab karna nahi chahta kya koi esi prossese he jo me use apna real name bata saku kahi bo batane se mujhse gussa to nahi ho jayegi pls help me me mam

Ans: Dear Bablu,

This is not a big deal. Tell her that there was some confusion. Tell her that your first name is Bablu and your surname is Rahul. Since she started calling you by Rahul, you never corrected her. And you also like how she calls you Rahul. You are telling the truth and hence you have nothing to fear. Moreover, no one should be mad because of such a small matter. Please tell her as soon as possible to avoid any more complications.

Best Wishes.

Ravi Mittal |500 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Oct 08, 2024

Asked by Anonymous - Oct 05, 2024Hindi

Relationship

Sir mere 5sal ka relationship tha ham dono ke cast alag hone ke karan unke ghar wale unko bahut richer ki o mere pass5month bad call ki boli daily sms ya call karungi but unka call ya sms na aya jab mai kiya to mera number block aur rista khatam kar di mere se bat mai nahi ki mai bahut kosis kiya manane ko but o nahi mani usane mere dost ke pass sms ki thi ki mai ab nafrat karti hui aur rista khatam kar rahi hui aj ye sab hote huye 1sal 3mahine hogaya ab 3month se mai try nahi kar raha hui ab mai social media se dur hui unke aur appane sare dost ko block kar mai akela hui akhir meri galti kya thi sir ab mai kya karu ye rista thik ho skta hai ya nahi

Ans: Dear Anonymous,
I understand you are in pain. But since she is not willing to be in a relationship with you, I don't think it's a good idea to pursue her anymore. She might have valid reasons for the breakup- for instance, you already mentioned that her parents are against the relationship. It isn't easy to go against parent's wishes. Or she simply has grown out of the relationship. Either way, I would advice you to stop pursuing her and trying to convince someone who has made up her mind. It isn't fair to either one of you. Don't you think you deserve someone who'd choose you? Think about it.

Best Wishes.

Ravi Mittal |500 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Nov 26, 2024

Question by sanu - Nov 23, 2024Hindi

Relationship

mai apne bf se online social app mili phir baat huyi usne prpose kiya 7month se relation me hu kuch din phle usne mujhse rudely baat ki kyunki ye sb baat mere parents ko pta tha toh maine socha uske family ko bhi pta honi chahyie toh mai btyi uske baad wo ldka mujhse baat nhi kr rha h bola h 5 saal wait kro mera

Ans: Dear Sanu,
Please do not make any commitments without meeting this guy and his family in person. He can be a scammer or someone looking for a casual fling. Be careful.

Best Wishes.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Question by AVIJIT - Jan 12, 2025Hindi

Money

I HAVE CARE HEALTH INSURANCE BASE POLICY 1000000 FOR 2 A+ 1 K , AGED 60 YEARS, 45 YEAR AND 16 YEARS. AND FROM THE LAST 15 YEARS NO CLAIM. 2023 I PORTED MY MEDICLAIM POLICY FROM NATIONAL INSURANCE TO CARE HEALTH INSURANCE WITH 1000000 L BASE AND 50% NCB. I GOT A RENEWAL ON DEC/24 AND NCB 50% WAS ADDED WITH MY BASE INSURANCE. NOW I WANTED TO TAKE A SUPER TOP-UP OF NIVA BUPA HEALTH RECHARGE OF 90 LAKH . IS IT GOOD FOR MY FAMILY ? PL ADVISE ME .

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Question by AVIJIT - Jan 12, 2025Hindi

Money

I HAVE CARE HEALTH INSURANCE BASE POLICY 1000000 FOR 2 ADULTS 1 KID , AGED 60 YEARS, 45 YEARS AND 16 YEARS. AND FROM THE LAST 15 YEARS NO CLAIM. 2023 I PORTED MY MEDICLAIM POLICY FROM NATIONAL INSURANCE TO CARE HEALTH INSURANCE WITH 1000000 L BASE AND 50% NCB. I GOT A RENEWAL ON DEC/24 AND NCB 50% WAS ADDED WITH MY BASE INSURANCE. NOW I WANTED TO TAKE A SUPER TOP-UP OF NIVA BUPA HEALTH RECHARGE OF 90 LAKH. IS IT GOOD FOR MY FAMILY? PL ADVISE ME.

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

Milind Vadjikar |857 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Money

For salaried professionals investing in equity, does this market crash affect the benefits of Section 80C investments, such as ULIPs or ELSS, which are tied to market performance?

Ans: Hello;

Anything and everything connected with the market will get affected by market volatility. (ULIPs & ELSS too)

However for investors it is like a grand new year sale.

Continue your regular investments and also do lumpsum, if possible, at every sharp decline.

Only those whose target horizon is near should withdraw their gains from equity funds. They can begin fresh investments for some other financial goal.

Best wishes;

Samraat Jadhav |2164 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 13, 2025

Question by Deepak - Jan 13, 2025Hindi

Money

Tks a lot for the clear answers to my queries regarding transmission of shares. However, I would like some more clarification on custodial account for shares entitled to C. Custodial account for C will mean a brokerage account in name of C under guardianship of B or an account in name of B but under some category called as Custodial accounts? Alternatively, can the shares entitled for C be sold by B as C's legal guardian and then the sale proceeds be brought in India directly in a bank account in name of C under B's guardianship? Thanks in advance for the support.

Ans: A custodial account for shares typically means a brokerage account held in the name of the minor (C) but managed by the guardian (B). This allows the guardian to oversee the account and make investment decisions on behalf of the minor.
Alternatively, the shares entitled to C can indeed be sold by B as C's legal guardian. The proceeds from the sale can then be brought into India and deposited into a bank account in C's name, under B's guardianship. However, it's important to ensure that all legal requirements and permissions are met, especially if the shares are part of a larger estate or property.
Hope this helps.

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Asked by Anonymous - Jan 03, 2025Hindi

Career

Hello sir,I'm bsc graduate from tier3 clg.i was planning masters but I'm confused whether I should go for MSc ds and ai from mithibai clg or should I go for MCA?Also recently I was going through UPSC Exam details and opportunities.So I wanna know which path is good?

Ans: I believe M.Sc. is better

Prof Suvasish Mukhopadhyay |290 Answers |Ask -Follow

Career Counsellor - Answered on Jan 13, 2025

Asked by Anonymous - Nov 30, 2024Hindi

Career

Hi, I am a 29 year old married man stuck between the career what to do and what not I have good experience in sales of around 6 years but not the proper pay as I am living in a city where there is no big companies no growth in terms of salary and in sales same thing from last 6 years that is 'calling' now I am wish to change the profile to digital marketing as it is in demanding stage and can learn and grow my skills as I am from technical background so please suggest me is it the right to switch the profile or remain in same profile and I am not getting the proper pay in my city but living because my parents are here

Ans: Switching over to digital marketing is not recommended. For your parents you can't move out of the town. I appreciate your caring attitude for your parents, but at the same time unless you go to a big city you can't get a good break. Best of luck. Professor.................................:)

Asked on - Jan 13, 2025 | Answered on Jan 13, 2025

Thanks sir for valuable feedback

Ans: Welcome Dear

T S Khurana |292 Answers |Ask -Follow

Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Money

I am in the process of buying raw materials from different states for my manufacturing unit. How does the GST structure affect inter-state purchases, and how can I reclaim the input tax credit (ITC) on these transactions?

Ans: 01. All purchases, may be from different states, should have your GST number on it, so that your GST paid is reflected in GSTR-2B.
02. While filing your GST Returns, you can off set your GST liability with the ITC, as reflected in GSTR-2B.
03. Most welcome for any further clarifications. Thanks

T S Khurana |292 Answers |Ask -Follow

Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

Sir, I purchased a flat in 1999 for 3 Lakhs, now in 2025 I am going to sell it for 35 Lakhs. Will there be any Capital Gain Tax on it?

Ans: 01. Yes. This transaction would be subject to Capital Gain Tax.
02. Under present provisions of Income Tax Act, you may opt any of the options (in case of Long Term Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks

T S Khurana |292 Answers |Ask -Follow

Tax Expert - Answered on Jan 13, 2025

Question by Nilima - Jan 12, 2025Hindi

Money

If money is transferred to his mother (non earning Sr Ctz housewife) from Son's account, would the interest income on FD or SCSS investment made by his mother in her name be clubbed with husband's (retired Sr Ctz) income ?

Ans: No. Such income cannot be clubbed with the income of her husband, since the amount was not transferred by her husband to her account.
Most welcome for any further clarifications. Thanks.

T S Khurana |292 Answers |Ask -Follow

Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Money

If an investor booked a loss in equities during the crash but reinvests in the same stocks within 30 days, how would the wash sale rule affect their tax deductions?

Ans: Wash Sale Rule says that the Shares or Securities, which you first sold in crash market & then repurchased the same/similar securities, your transaction of sold shares will not be treated as a Sale for Income Tax purpose.
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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