My wife takes spiritual practices very seriously and she thinks that sex will deteriorate the quality of her spiritual practices. She thinks sex and spirituality can't go together. I am always interested for sex. Any suggestion for both of us?

Ans: Please visit or contact your old employer or PF Commissioner to settle your problem. You can always claim your dues, without any hitch. However, it may cost you a couple of visits to the office.
Most welcome for any further clarifications. Thanks.

Ans: No. This is not your income, hence it is not taxable in India.
Most welcome for any further clarifications. Thanks.

Ans: Whatever is reflected in 26AS, you can always pay as much tax as you want, without any problem.
Please check your revised ITR again & then proceed to pay tax. This would ensure correct picture.
Most welcome for any further clarifications. Thanks.

Ans: 01. Please refer to the notice you received from IT department. Act accordingly.
02. Henceforth, file your Income Tax Returns on regular basis, whether income is more or less.
ADDITIONAL INPUT :
This is a case of WRONG PLANNING & UN-NECESSARILY AVOIDING TAX LIABILITY. Needs corrective measures.
03. Cheque bounce case should also be filed. Please note that Cheque bounce in case of sale of property may lead to cancellation of Sale Deed, if cheque numbers have been mentioned in the Registered Deed.
Most welcome for any further clarifications. Thanks.

Ans: 01. Income Tax bracket, which you have mentioned would attract Income Tax.
02. You may plan your tax by Investing in Tax Saving Schemes u/s 80-C ( LIC, Tax savings FDRs, some Post Office Schemes, PF, NSC etc.), Mediclaim Policy, Pension Schemes etc. Besides, if you take a housing loan for purchase or Construction of house - its Interest Paid & Repayment of Principal). some exemption would also be available for Education Loan etc.
It depends upon you, how you plan your future. You may choose the tax saving options accordingly.
Most welcome for any further clarifications. Thanks.

Ans: It’s commendable that you’ve built a significant corpus of Rs 70 lakh and have no loans. Let’s analyse your situation and provide a detailed strategy to address potential unemployment and secure your family’s future.

Current Financial Overview
Monthly Salary: Rs 80,000
Monthly Expenses: Rs 60,000
Fund Corpus: Rs 70 lakh
PF Balance: Rs 5 lakh
Family: Wife and 2 kids (aged 7 and 1)
Job Security: Unstable
Immediate Steps to Ensure Financial Security
Create an Emergency Fund
Set aside at least 24 months of living expenses (Rs 15 lakh) in a safe, liquid fund.
Invest in liquid mutual funds or high-yield savings accounts for easy access.
Review and Reduce Expenses
Identify non-essential expenses and reduce them to increase savings.
Prioritise education, healthcare, and basic living expenses for your family.
Health and Life Insurance
Ensure adequate health insurance coverage for the family. Aim for Rs 15–20 lakh of coverage.
Buy term insurance with coverage of at least 15–20 times your annual income.
Build a Contingency Plan
Identify alternative income sources like freelancing, part-time work, or consulting.
Update your skills to improve employability in case of job loss.
Strategies for Your Corpus
Secure Investments
Keep Rs 15–20 lakh in safe instruments like FDs, PPF, or short-term debt funds.
These provide stability and liquidity during uncertain times.
Long-term Growth
Allocate Rs 30 lakh to equity mutual funds for long-term growth.
Choose diversified funds like large-cap or balanced advantage funds.
Education Planning
Start SIPs in mutual funds for your children’s education.
Target a dedicated education corpus by aligning with your children’s future needs.
Retirement Planning
Consolidate and continue building your PF balance.
Invest in NPS or equity mutual funds to secure retirement.
Job Loss Scenario: Survival Plan
Use the emergency fund to manage living expenses.
Avoid withdrawing from long-term investments unless absolutely necessary.
Explore short-term gig opportunities or a part-time job to maintain cash flow.
Action Plan for the Future
Regularly monitor and rebalance your portfolio with a Certified Financial Planner.
Build an additional income stream like tutoring, consulting, or passive investments.
Keep updating skills relevant to your industry to enhance job security.
Final Insights
With your current corpus and careful planning, you can survive a potential job loss. Focus on safeguarding your family’s future by building an emergency fund, securing insurance, and investing systematically. Regular reviews with a Certified Financial Planner will help align your goals and ensure financial stability.

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

Ans: It’s also clear that her unresolved trauma with her father may have influenced the dynamics of your relationship, perhaps creating barriers to open communication or trust. While her past is something she ultimately has to face and heal from, it’s not something you can resolve for her, no matter how much you may wish to.

It's important to acknowledge your own emotional wellbeing right now. It seems like you're carrying the weight of her pain as well as your own. This might be the time to step back and focus on finding some clarity and balance for yourself. Working with a counselor or therapist could help you process your feelings and better navigate the uncertainty of this situation. Emotional exhaustion can cloud decision-making and pull you into cycles of self-blame or frustration, and having professional support might give you the tools to handle these emotions in a healthier way.

You’ve made efforts to reconnect and seek closure, which shows your commitment. However, if she is unwilling or unable to engage right now, this could mean shifting your focus toward what you can control: your healing, your boundaries, and your future. Remember that it’s okay to give yourself permission to find peace, even if her choices leave things unresolved for now.

Finding closure within yourself might not come easily, but it is possible. Take it step by step, allowing yourself time to grieve the relationship and reflect on what you’ve learned about yourself. This isn’t just about moving on; it’s about rediscovering your sense of stability and strength, regardless of her decisions. You're navigating this with care, and that shows your integrity and depth of character. Keep reminding yourself that your wellbeing matters, too.

Ans: Hello dear.
Your son has a variety of career and higher education options to consider after completing his Class 12 CBSE commerce stream without mathematics. You may think of the following options:
(1) B.Com (Bachelor of Commerce)
(2) BBA (Bachelor of Business Administration)
(3) BMS (Bachelor of Management Studies)
(4) BA in Journalism and Mass Communication
(5) Bachelor of Hotel Management (BHM)
(6) Bachelor of Travel and Tourism Management (BTTM)
(7) BA in Economics (without heavy math focus)
(8) BA in Psychology, Sociology, or Political Science
(9) Chartered Accountancy (CA)
(10) Company Secretary (CS)
(11) CMA (Cost and Management Accounting)
(12) Certified Financial Planner (CFP)
(13) Bachelor of Fine Arts (BFA)
(14) Fashion Design/Interior Design
(15) Integrated Law Programs (BA LLB)
(16) Bachelor in Public Administration
(17) Digital Marketing
(18) Data Analytics or Business Analytics
(19) Event Management
(20) Banking and Finance
(21) Foreign Language Studies
And many more ..........
If he is unsure about his interests, career counseling and aptitude tests can provide additional guidance. Encourage him to explore his options and choose what he feels excited about for his future.

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Ans: Hello.
Why your daughter is appearing in the NIOS 10th grade examination in two parts is not clear. It is suggested that try to clear 10th grade with the required subjects only in sitting i.e. in the same year if she wishes to pursue a science stream to avoid academic problems in some courses. But it seems that your daughter might be weak in mathematics, hence you might have decided to appear for 10th grade in parts. If she likes computers, then for a bright future in computer engineering one should be sound in mathematics. Without giving NEET, you have a lot of options in the medical field. It is highly suggested that instead of focusing on the available fields right now, it would be suggested that you explore the options in 2027 when your daughter will be in the 12th grade. According to her interest at that time, it will be more suitable to choose the options instead of thinking at this stage. Hence the options available are not suggested to you at this early stage. But to suggest, it is better to appear for NEET and get a mark memo (with any score) which will be very useful at the time of admission to many courses related to the medical field.
Best of luck to your daughter for the upcoming examinations and a bright future.
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Radheshyam