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Sunil Lala  |157 Answers  |Ask -

Financial Planner - Answered on Feb 04, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Asked by Anonymous - Feb 02, 2023Hindi
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Hello Sir, I earn around Rs. 28000 per month (Consolidated) through freelance content writing work. I invest 3k in Bank RD every month + 1k on MF. I want to know do I have to pay any taxes on my income? I do pay TDS @1%

Ans: No tax is payable on you freelance income From the information given it is not probable that no tax is payable in however it may be possible for you to file your return of income and claim the refund of the 1% TDS so deducted.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Relationships Expert, Mind Coach - Answered on Mar 29, 2024

Asked by Anonymous - Mar 28, 2024Hindi
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I am 65 years old and have history of sleeplessness and on tranquilizers. about two years back, it got so bad that one night I wanted to end it all. fortunately my wife was around and calmed me down. We saw a psychiatrist the next day and she put me on anti depressants. Since then I am sleeping well. But the fear is I feel I will not sleep without medication. Is it okay to take this medication life long. Is there a way I can go to sleep without medication like everybody else? allthough I am a diabetic my general health is good as I take part in endurance running and related activities.
Ans: Dear Anonymous,
You need medicines to sleep and now you worry that without that you worry that you won't sleep. That's how these medicines can be...make you dependent on them...
The better choice will be to grow out of them...any kind of dependence of anything or anyone is never healthy.
Speak with your doctor and state that you do not want to be dependent on medicines for something as natural as sleep...He/She will suggest ways to wean you off from the medicines and also hoping that they put you on some holistic treatment like meditation or other any alternative therapies that are known to eliminate the source of sleeplessness in you.
Be patient with this line of treatment as it will take time to identify the root of the problem but once it is found, it becomes easy to treat it once and for all hopefully taking you off medicines fully someday.
Kindly explore this option as this will help you to take charge of your life and sleep as well.

All the best!
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Relationships Expert, Mind Coach - Answered on Mar 29, 2024

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my husband died when my son is12.5yrs. he was fond ofcricket and after my sons birth he trained him my son is now 15 he is spineer and play verywell. secondly after my son sbirth he always with my son because he left job and taken vrs. i m single mother now. my son didnot cry cry when he dead nor whenever i talked withhim he didnot want to discuss about him . he irritate. and never from his side he talked about his papa. why i didnot understand. and what to do so that he will talk about his papa. iknow he has verygood memories with him he alawys pamper my son when he was alive. suggest what to do
Ans: Dear Shobha,
I am truly sorry for your loss...Loss of a loved one is one of the toughest phases in anyone's life!
Also, you must understand that each of us have a different way of dealing and coping with loss. Your son possibly feels more comfortable masking his sadness and not talking about how much he misses having his father around. Since you say that he has good memories of his father, spend time with him not discussing his father but actually playing on those memories and keeping those happy memories alive. Since, they bonded over cricket, talk more about that with him and how his father would have been proud of him now. Someday, when he is ready to talk about his father, he will...give him time and replay the good times as a family and especially cricket with his father.
The only time you need to be concerned is when he starts to show any signs of withdrawal from life in general...since you haven't mentioned this, I assume that your son is fine and is just not willing to discuss his father. Let him be...each of us process grief differently. Just bond with him as a caring mother that you are...that will keep him safe and stable.

All the best!
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