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Ans: Dear B, Kindly look into the following:
1. His friend circle
2. Have a chat to find out what's troubling
3. Take into account conflicts at home, family dynamics and his spending time with technlogy.
rue out the above and meet a developmental paeditrician or child psychologist for the root cause.

Ans: Hello Raghu and thanks for writing to me. Assuming you retire at 65 and your portfolio compounds at around 13%, you will be able to create a corpus of around Rs.1.5 Crore after investing Rs.20,000 every month.

You can consider starting monthly SIP's in:
1-Edelweiss Nifty 100 Quality 30 Index Fund-Rs.5,000
2-UTI MNC Fund-Rs.5,000
3-SBI Focused Equity Fund-Rs.5,000
4-Kotak Equity Fund-Rs.5,000

If you can step-up your SIP's by 10% or more every year, you will be able to create a larger corpus for retirement.

You should also rebalance your portfolio periodically to ensure that your investments suit your risk preferences. I recommend you seek help from a professional financial planner.

Ans: Dear Rankanidhi,
So, are you looking for revenge so that you feel satisfied?
Is it too hard to look at all the good things you have and the love that you are surrounded with?

Yet you choose to talk and live that one incident so much that it is forcing you to overlook even the best things in life. Yes, you are choosing it and you are choosing it for a reason.
Instead, can you dull it out and come into the bright phase that you are in? Cherish all that has happened and live every moment with your friends and family.

Life is how we choose it and we live that reality every moment...So, you don't have a mental disorder, it's just that that one instance (treachery, as you call it), is being allowed by you to have great prominence in your mind and what you allow in your mind will grow.

When the garbage can is overflowing at home, what do you do? Do you throw more and keep it around? Do exactly the same with that 'treachery' episode what you would do with an overflowing garbage can at home.

All the best!

Ans: Dear Deepak,
To clarify to you:
Negative thoughts and depression are not the same. Also, negative thoughts that are not handled well can over a period of time lead to low moods, fatigue and in chronic cases lead to depression.

This should tell you that what you possibly are dealing with is negative thoughts or what i would like to call: Not-so-useful thoughts.
Does anything trigger this in you?
Is it any particular time of the day?

What you can do:
Introduce walking/jogging/exercise everyday at least for 30-40 mins
Journal your thoughts whatever they may be
Move around in social circles that talk about positive things
Check what you watch on the OTT platforms and if it's dark and dreary, change your watchlist
Spend a lot of time in Nature

All the best!

Ans: Dear Lakhbinder,
That age is a very confusing time for youngsters as they not only have to deal with the expectations of the school and parents but also 'fit in' with their peers.
It is natural to be defocused from academics and not do their best and I do understand your worry especially if he is aiming at a highly academic course after Class 12.

In my experience, working with youngsters, this is what I have understood:

Youngsters are not careless with their studies without reasons.
- They are doing a course which they were forced into or don't have an aptitude for
- They have immense pressure at home and school to perform
- They have been subject to a lot of comparison with those performing well in their class
- They have a lot of unwanted influences through chat apps and social media apps
- They are constantly monitored as to how much effort they are putting
- They are simply giving into their rebellious streaks given the age

It could be any of the above. Do identify and if there are things as a parent you can do, kindly step in NOT as a friend but by being more accepting and FRIENDLY. If it's about focus orientation, seek an expert who in one session will be able to help him through re-training the mind hacks which are simple to follow with amazing results.

All the best!

Ans: To get the valuation of your plot in India through government-provided data on the internet, follow these steps:

1. Visit the official website of the relevant government authority responsible for property valuation.
2. Look for the section or service related to property valuation or land records.
3. Access the property valuation service and provide accurate plot details.
4. Retrieve the valuation information displayed on the website, including market value and other relevant factors.
5. If necessary, follow the instructions to request an official valuation certificate.

Please note that online property valuation data availability and accuracy may vary, so it's advisable to refer to official government websites and consider consulting a professional or local Revenue Department for further assistance.

Ans: Amount given to spouse is not an income in the hands of spouse (wife). However, income received from said amount will be clubbed in the hands of husband (gift giver) as per clubbing provisions of income tax.

Ans: Taxability of charitable trust will depend whether trust applied for exemption from income tax u/s 12AB. In case, trust has received income tax exemption certificate and atleast 85% of income is applied for object of trust; trust will not be required to pay tax.

In case, trust has not received income tax exemption certificate, income of trust is likely to be taxed at highest rate of 30% as indermined share of AOP.

Ans: For FY 23-24, new scheme is likely to beneficial if deductions (including housing loan) is not more than 3.75 lacs. You can cross check tax liability under both option at https://incometaxindia.gov.in/Pages/tools/income-tax-calculator-234ABC.aspx