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Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 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 - Dec 27, 2023Hindi
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Relationship

Dear Sir, My wife age 47 years had been working on the sales counter for 27 years she is very finnicky on time and things and gets hassled up very easily. She of late has been unable to sleep even though she is taking Restyl 0.5mg as prescribed and she is over thinking in the negative aspects of quitting job early than required and also not been able to bear a child. These thoughts keep hounding her and is unable to lead a normal routine. to change her mind to positive thinking have taken her on vacation three times since she has resigned. Also has become lethargic after her resignation in household chores. Kindly suggest if she needs specialized consultation or any other remedy as such?

Ans: Dear Anonymous,
When one is used to working and managing home as well, it gets a tad bit difficult to just take care of only the responsibilities at home, It can get very dull and monotonous.
Encourage your wife to take on newer challenges that involve getting physically and mentally fit.
It could be learning a new sport or going to the gym or taking up a project that involves her stepping out of home and interacting with people.
She must make that effort if she wishes to move out of the current lethargy state that she is in.
If she does not take that step, then I suggest meeting with a professional who can help break her mind state to move into a better space.

All the best!

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My wife is extremely sensitive to even smallest of criticism either received directly or indirectly. She gets panic attacks and suffers from the situation for about 10 days. She is unable to leave any of the not so good/bad memories and thus keeps thinking of them all over time. She feels and talks hopeless and useless during this period, which also includes getting separated and ending her life. We have 2 childs of 14 and 9 years. She does not talks to anyone when her mood is off. I have been keeping extreme patience during all the time and always tried to console her and explain her that we also have good memories to remember. But seems she doesn't understands these things. We also consulted one psychiatrist, who gave her Ketamine treatment. She was fine for sometime only but after some time she said that she will not go to any doctor now, and let the situation prevail as it is until she is living. I am totally shattered and perplexed on this situation and could not focus on my job and any other thing in life. What to do, pl advise. I am not able to see her in this situation which is not so bad according to most of the people, but she is filled with so much of hate and negativity that she is not able to understand the things and value them.
Ans: She sounds clinically depressed and definitely needs help. If not a psychiatrist, she can at least start visiting a psychotherapist to help; she need not take medication if she doesn’t want to, but going without any help at all is dangerous.
You have your children to think of too…explain to her that she has to do this for their sake, if not hers. They deserve a well-adjusted, responsible mother and not someone who is too selfish to see to their needs.

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Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 25, 2023Hindi
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Relationship
Dear Anu Ma'am. My wife is extremely sensitive to even smallest of criticism either received directly or indirectly. She gets panic attacks and suffers from the situation for about 10 days. She is unable to leave any of the not so good/bad memories and thus keeps thinking of them all over time. She feels and talks hopeless and useless during this period, which also includes getting separated and ending her life. We have 2 childs of 14 and 9 years. She does not talks to anyone when her mood is off. I have been keeping extreme patience during all the time and always tried to console her and explain her that we also have good memories to remember. But seems she doesn't understands these things. We also consulted one psychiatrist, who gave her Ketamine treatment. She was fine for sometime only but after some time she said that she will not go to any doctor now, and let the situation prevail as it is until she is living. I am totally shattered and perplexed on this situation and could not focus on my job and any other thing in life. What to do, pl advise. I am not able to see her in this situation which is not so bad according to most of the people, but she is filled with so much of hate and negativity that she is not able to understand the things and value them.
Ans: Dear Anonymous,
No one likes criticism and each of us react to it differently...
But it is also necessary to give people feedback and feedback which is not in their favor will be construed as criticism.
This is how they can retract into their shell and not change anything even if the change is beneficial to them.
So, if you want to send feedback to your wife, two things:
1. Convert statements of feedback into questions.
Eg: This way of doing things is going to make you lose more time...Instead say: Do you feel that if there was a better way according to you to do this, you might have more time for yourself and also tire less?
More words but conveys the same without an accusation or instruction

2. Go to a professional who can make a clear diagnosis; medicines have effect till they last and then it's back to the drawing board. Help your wife develop a sense of fulfilment from within. It could be that she is finding her routine very monotonous and dull which throws her emotions off balance. So, have her work with a person who can get to the bottom of her mood swings

These 2 suggestions in my opinion can make a huge difference to your marriage and home.

All the best!

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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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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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