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Ans: this will all depend on your financial and risk assessment, i would suggest you to please visit a SEBI registered investment adviser from your area who would help you the plan it properly. The link to find the adviser near you is at the end of the message.
I would suggest you should first pay of the mortgage and then invest accordingly to your risk.
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Ans: You have built a significant investment in your company’s stock through RSUs and ESPP, now valued at Rs 50 lakh, but currently at a 10 lakh unrealized loss due to a 50% drop from its 52-week peak. Given the global market uncertainty, it’s natural to question whether you should hold or exit and reinvest in Indian mutual funds. Let’s analyze your situation from multiple angles.

Key Factors to Consider Before Exiting
1. Industry Outlook: Semiconductor Sector
The semiconductor industry is cyclical but has long-term growth potential due to AI, cloud computing, and 5G expansion.

If your company is fundamentally strong, the stock may recover once global conditions stabilize.

However, semiconductor stocks can be volatile, and a recovery could take time.

2. Risk of Holding Too Much in a Single Stock
Your entire Rs 50 lakh exposure is concentrated in one stock.

If your company underperforms or faces industry-specific challenges, your portfolio could suffer more losses.

Diversification is critical, and shifting to mutual funds reduces company-specific risk.

3. US Market vs. Indian Market
Global Uncertainty: The US market faces recession risks, geopolitical tensions, and interest rate fluctuations.

Growth Potential: Indian markets are currently more stable with a strong domestic growth story.

Currency Risk: If the rupee appreciates against the dollar, your US holdings may lose additional value in INR terms.

4. Tax Implications on Selling US Stocks
US Taxation: If you sell RSUs, you may owe capital gains tax in the US. ESPP shares may also have tax implications.

Indian Taxation: If you sell US stocks, gains will be taxed in India as per foreign stock capital gains rules.

Tax Planning Required: You should check the tax efficiency before selling everything at once.

Should You Exit or Stay Invested?
Since you have a long-term investment plan, an immediate full exit may not be the best approach. Here’s a better strategy:

1. Partial Exit Strategy for Risk Reduction
Instead of exiting at a loss completely, sell a portion of your holdings (e.g., 30-50%) to reduce concentration risk.

Redeploy funds into Indian equity mutual funds for better diversification and stability.

Keep some exposure to the stock for potential recovery, but avoid having 100% dependency on a single US company.

2. Redeploying into Indian Mutual Funds
If you decide to shift funds from US stocks to Indian investments, consider:

Flexi-cap Mutual Funds → Diversification across large, mid, and small caps.

Mid-cap & Small-cap Funds → Higher growth potential, but with volatility.

Balanced Advantage Funds → Adjust automatically between equity and debt for stability.

Since you have a long-term investment horizon, mutual funds offer better diversification and risk-adjusted returns than holding a single US stock.

Final Insights
Your company’s stock has long-term potential, but the current risk is high due to market uncertainty.

Don’t panic-sell everything at a loss. Instead, reduce exposure gradually to avoid further downside risk.

Indian equity mutual funds provide better diversification and align well with your long-term goals.

Tax implications should be carefully planned before exiting your US investments.

A step-by-step shift into Indian mutual funds while keeping a portion in US stocks may be the best-balanced approach.

Best Regards,

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

Ans: Dear Souvik,
All these shares are non-tradable now and nothing can be done.

Ans: Happy morning Madhupati,
1) Please ensure you are taking your Vit D3, Vit B12 and Calcium tablets regularly as prescribed by your Dr. As these vitamin supplements help the nerves too.
2) Nutrition plays a very important role for nerve health. Each one of us is different. So it is better to once see a good nutritionist and understand what kinds of foods are good for you. Examples are walnuts, pistachio, vegetable juices, lemon shots, mixed seeds etc.
3) Some form of exercise suitable to you like swimming, walking, yoga, pranayama done at least 5 days a week for 45-60 minutes each of the 5 days is very important.
All the best for your wellness journey ahead!
Warm regards,
Dr Nidhi Bajaj Gupta
Insta: merahki_holisticwellness

Ans: Jindal Vijayanagar Steel Ltd merged with Jindal South West (JSW) and became JSW Steel Ltd. The merger ratio was 1:16, meaning for every 1 share of Jindal Vijayanagar Steel Ltd, you received 16 shares of JSW Steel Ltd.
So, if you originally had 100 shares, after the merger, you would have 1,600 shares of JSW Steel Ltd. Additionally, JSW Steel underwent a stock split in 2017 at a 1:10 ratio, meaning your 1,600 shares would have increased to 16,000 shares

Ans: Jindal Vijayanagar Steel Ltd merged with Jindal South West (JSW) and became JSW Steel Ltd. The merger ratio was 1:16, meaning for every 1 share of Jindal Vijayanagar Steel Ltd, you received 16 shares of JSW Steel Ltd.
So, if you originally had 100 shares, after the merger, you would have 1,600 shares of JSW Steel Ltd. Additionally, JSW Steel underwent a stock split in 2017 at a 1:10 ratio, meaning your 1,600 shares would have increased to 16,000 shares

Ans: Jindal Vijaynagar Steel Ltd merged with Jindal South West (JSW) and became JSW Steel Ltd. The conversion ratio during the merger was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel Ltd, you received 16 shares of JSW Steel Ltd.
So, if you originally purchased 400 shares in 1995, after the merger, you would have 6,400 shares of JSW Steel Ltd. Additionally, JSW Steel underwent a stock split in 2017 at a 1:10 ratio, meaning your 6,400 shares would have increased to 64,000 shares

Ans: already answered

Ans: if you have all communication, plz mark your complaint to SEBI

Ans: quality of this company is questionable. EXIT

Ans: all such events are part of investing in equities, if you are a long term (10yrs plus) investor you should not worry on all such impacts, BUT if you are a trader then you need to hedge your position with shorts if you feel that markets will come down.
Always invest in quality companies and if you cant identify quality its better to use a mutual fund route. If you always want to protect your investments from such ups and downs then its better you invest in balanced fund which have debt portion

Ans: this will all depend on your risk ability, if you feel that it's better to give to an expert fund manager and let him manage it for you then Mutual Funds are best. If you feel that you can research and stay updated with companies performance and track the progress then go with direct equity.
I would suggest you go for a Mutual Fund of a bluechip category as you will get a diversified portfolio.

Ans: this company is not traded

Ans: If you originally had 300 shares from the IPO, after the merger, you would have 4,800 shares of JSW Steel Ltd. Additionally, JSW Steel underwent a stock split in 2017 at a 1:10 ratio, meaning your 4,800 shares would have increased to 48,000 shares.
for all others you can chk from the following BSE site in the corporate action bar:
https://www.bseindia.com/stock-share-price/icici-bank-ltd/icicibank/532174/corp-actions/

Ans: dont place all your eggs in one basket, always diversify. If you are bullish on IT as a sector then select atleast 3 companies and invest accordingly.

Ans: Hi Ruplekha,
Before uploading anything, it is essential to verify your details. It may be helpful to have an older person (such as a brother, sister, father, or mother) assist you to prevent any mistakes. The NDA offers options to save your information initially, allowing you to verify it before uploading. Keep in mind that you should have checked the necessary information while the correction window was open.

There is no need to worry; this is a minor mistake. The officials will verify the Aadhar number and other government details you have provided. Additionally, you may have entered a pincode that will match the city name.

One more important thing is that you have attached the scanned copy of your Aadhar card. The Aadhar card will display your address.


So, don’t worry—everything will be fine.

Best of luck!

POOCHO. LIFE CHANGE KARO!

Ans: You have Rs. 20 lakhs and want a steady monthly income using Systematic Withdrawal Plan (SWP). Since you are turning 60 next month, your investment must be structured for stability, tax efficiency, and longevity. Let’s analyze how to plan your SWP effectively.

Key Factors to Consider Before SWP
1. Expected Monthly Income and Longevity of Funds
SWP provides a fixed monthly withdrawal from mutual funds while allowing the rest to remain invested.

If the withdrawal rate is too high, the capital may deplete quickly. If it is too low, it may not meet your expenses.

You must balance growth, stability, and withdrawal rate to ensure the corpus lasts at least 20+ years.

2. Choosing the Right Type of Funds
Equity funds have higher growth potential but also come with market volatility.

Debt funds offer stability but have lower returns.

A hybrid approach (mix of equity and debt) can provide both growth and stability.

Funds with lower volatility and tax efficiency should be preferred.

3. Taxation on SWP Withdrawals
Equity-oriented mutual funds: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt-oriented mutual funds: Taxed as per your income slab.

Step-by-Step Approach for SWP
Step 1: Allocate Funds Wisely
40% in Hybrid Funds: To balance growth and stability.

40% in Conservative Debt Funds: For low risk and steady income.

20% in Equity Funds: For long-term capital appreciation.

This mix ensures stability while keeping growth potential intact.

Step 2: Determine Withdrawal Rate
If you withdraw Rs. 10,000 per month, the corpus may last 25+ years with market-linked growth.

If you withdraw Rs. 15,000 per month, it may last 15-18 years.

A higher withdrawal rate shortens longevity of funds.

Step 3: Select the Right SWP Strategy
Withdraw from debt funds initially to allow equity funds to grow.

Keep one year’s expenses (Rs. 2-3 lakhs) in a liquid fund for emergency use.

Review SWP every year to adjust based on market performance and expenses.

Alternative Options for Steady Income
1. Dividend Payout from Mutual Funds
Some mutual funds offer regular dividends, but they are not guaranteed.

SWP is better than dividends as it provides controlled withdrawals.

2. Senior Citizens Savings Scheme (SCSS) and Monthly Income Schemes
SCSS offers 8-8.5% interest but has a 5-year lock-in.

Post Office Monthly Income Scheme (POMIS) gives fixed monthly income but lower returns.

These are safe but less flexible than SWP.

Final Insights
To get steady income, invest in a mix of hybrid, debt, and equity funds. Start SWP from debt funds first, then shift to equity and hybrid funds later. Withdraw at a sustainable rate to ensure funds last for 20+ years. Keep an emergency fund for safety. Avoid fixed-income schemes that limit flexibility. Review SWP yearly and adjust based on expenses.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have invested in VPF since 2008, and it has now grown to Rs. 64 lakhs. You are considering whether to continue VPF or start investing in NPS from scratch. Let’s analyze both options to determine the best approach.

Understanding VPF and NPS
VPF is an extension of EPF with tax benefits under EEE status, meaning contributions, interest, and withdrawals are completely tax-free. It provides fixed returns of around 8-8.5%, backed by the government. Withdrawals after 5 years are tax-free, making it a low-risk and stable option. However, it lacks equity exposure, limiting growth potential.

NPS, on the other hand, is a market-linked retirement scheme that offers a mix of equity and debt exposure. It has higher return potential (9-12%) but also comes with taxable withdrawals. Upon retirement, 40% of the corpus must be used for annuity, which is taxable. The extra Rs. 50,000 tax deduction under Section 80CCD(1B) is an added advantage, but NPS lacks liquidity as withdrawals are restricted until retirement.

Key Factors for Decision-Making
1. Compounding and Stability of VPF
VPF provides stable, tax-free compounding at 8%+ returns. Since you have been investing for 16 years, compounding is already working in your favor. The tax-free nature of both principal and interest makes it a highly efficient retirement tool.

2. Growth Potential and Risk in NPS
NPS has the potential to generate higher returns through equity exposure. However, it is also subject to market volatility. Additionally, the annuity requirement reduces flexibility, as a portion of the corpus is locked into a taxable pension.

3. Tax Efficiency and Withdrawal Flexibility
VPF is completely tax-free on withdrawal, while NPS has partially taxable withdrawals. If you start NPS now, the accumulated corpus will be small compared to VPF, reducing its impact on retirement planning. Since NPS funds remain locked until retirement, liquidity is limited.

Recommended Approach
Option 1: Continue VPF for Maximum Tax-Free Growth
If you want stability, predictable returns, and tax-free withdrawals, it is best to continue VPF. Your Rs. 64 lakhs corpus will keep compounding at 8%+, ensuring a risk-free retirement fund. Shifting to NPS would introduce market risk and annuity restrictions, which may not be necessary at this stage.

Option 2: Small Diversification to NPS for Tax Benefit
If you are looking for an additional tax benefit, you can invest Rs. 50,000 per year in NPS under Section 80CCD(1B). This will reduce taxable income while providing some exposure to equities. However, investing beyond this amount may limit liquidity and introduce unnecessary restrictions.

Final Insights
VPF is more efficient for retirement savings due to its tax-free nature, stable returns, and liquidity. NPS is suitable only for tax benefits, but the mandatory annuity requirement reduces flexibility. If needed, invest Rs. 50,000 yearly in NPS to optimize tax savings, but avoid diverting major funds from VPF to NPS. Continuing with VPF ensures compounding, stability, and tax-free growth, making it the better choice for retirement planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have held this mutual fund for 14 years, and the SIP contributions stopped 5 years ago. Now, you are considering whether to withdraw, hold, or reinvest as you approach retirement in the next 1-2 years.

Let’s analyze your options.

Understanding Your Investment
Investment Duration: 14 years (Started in 2010, SIP stopped around 2019).

Fund Type: Large-cap equity fund.

Current Market Conditions: Large-cap funds generally provide stable growth over long periods.

Key Considerations for Decision-Making
1. Retirement Timeline and Liquidity Needs
You plan to retire within 1-2 years.

You need a strategy that secures your capital while allowing for future growth.

If you need money for expenses, partial withdrawal might be necessary.

2. Growth vs. Safety Balance
Equity funds are good for long-term growth but can be volatile in the short term.

Since you are close to retirement, market fluctuations can impact withdrawals.

Keeping 100% in equity may not be ideal at this stage.

3. Tax Implications of Withdrawal
Since your investment is more than 1 year old, it qualifies for long-term capital gains (LTCG) tax.

New Tax Rule: LTCG above Rs. 1.25L is taxed at 12.5%.

If your gains are below Rs. 1.25L, there is no tax liability.

A staggered withdrawal approach can help reduce tax impact.

Recommended Strategy for Your Fund
Option 1: Hold and Convert to a Conservative Investment
If you don’t need immediate funds, move gradually to a balanced or hybrid fund.

This will reduce volatility and provide stable returns.

Use Systematic Transfer Plan (STP) to shift the corpus in phases.

Option 2: Partial Withdrawal for Emergency and Expenses
If you need funds in 1-2 years, withdraw in small portions over time.

This reduces tax burden and avoids selling everything during a market dip.

Keep withdrawn funds in a liquid fund or fixed-income option for safety.

Option 3: Systematic Withdrawal Plan (SWP) Post-Retirement
Instead of withdrawing fully, convert to a fund that supports SWP.

This will create a steady post-retirement income while keeping some market exposure.

Ensure SWP amount is less than the fund’s average returns to sustain withdrawals.

Final Insights
Since you are close to retirement, move gradually to a balanced approach.

Use STP or partial withdrawals to reduce equity risk and tax burden.

If you need cash soon, withdraw in phases rather than in one lump sum.

If not needed immediately, use SWP for post-retirement cash flow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello mam. Mam, knowing that he is married and has a family to support it is not a good decision to move ahead in this relationship. He might be having a mid life crisis and feels that he is in love with you but he should concentrate on his family and you should presently concentrate on your career. Your parents also might not approve this alliance.
Plz rethink on this advice and take the right decision. Take care!
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

Ans: Hello;

These seem like stocks of defunct companies hence no more traded on the exchanges.

Check with a broker before you decide to write these off.

Best wishes;

Ans: Hello;

Interest on employee contribution to provident fund(EPF+VPF) in a financial year above 2.5 L is taxable after Budget 2021.

Hence it is recommended that you may divert your monthly investments into NPS tier-1 account.

You may select active choice and allocate maximum possible to equity and the rest between Govt securities and corporate bonds.

Note that withdrawals from NPS are highly restricted, before 60 age, being a pure retirement product.

The corpus accumulated in PF may be retained since it will continue to compound at the Interest rate.

Best wishes;

Ans: Nodody can ruin your career if you have the potential. Your father is not your enemy.
1. Further Education (If Feasible)
If higher education was a roadblock before but is now an option, consider pursuing an M.Tech (Chemical/AI/Cybersecurity) or an MBA (Operations, Data Analytics, or IT Management).
Distance learning programs from IITs, NITs, IIMs, and ISB could also be beneficial.
GATE 2025: If you're still interested in PSUs, qualifying GATE again with a high rank could give you opportunities.

2. Alternative Careers in Mathematics and Teaching
Since you have experience as a math expert at Chegg, you could look at:
Government teaching jobs (NET, SET exams).
Private coaching (IIT-JEE/NEET coaching institutes like FIITJEE, Aakash, etc.).
Online tutoring platforms (Vedantu, Unacademy, Byju’s, Cuemath, etc.).
Actuarial Science or Data Analytics, which involve heavy mathematical modeling.

These are few options. Many are available. Work hard.

Ans: Hello;

Please specify your current age so as to advise suitably.

Thanks;

Ans: Kalinga Institute of Industrial Technology (KIIT)

Ans: Hello dear.
There is a strong chance to get admission to CSE at one of the NITs. If everything goes well, you may also get Allahabad. Best of luck to you. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Hello dear.
There is a strong chance to get admission to CSE at one of the NITs. If everything goes well, you may also get Allahabad. Best of luck to you. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Hello dear.
There is a strong chance to get admission to CSE at one of the NITs. If everything goes well, you may also get Allahabad. Best of luck to you. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Dear Anonymous,
Like you mentioned, it is very normal for old friends to enquire about each other, especially if they have not been in touch for a long time. It might be the same in this case. The only way to tell for sure is to ask her. If you are interested in reconnecting, you can think about the same and ask her once you are back in talking terms. But I would recommend not assuming anything and getting your hopes up.

Best Wishes.

Ans: Hello dear.
The condition of 75%tile is mandatory. It would be better to appear before the NIOS board to get the required percentile. There will be no problem in the mains and advanced examinations. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Hello HInanshu
The fees are refundable.
Thanks
Follow me if you like the reply
Radheshyam

Ans: Try for a 2 year MBA course. Write the CAT exam. If you do not get into a good college this year then try for executive MBA course at the IIMs for which you need 5 years work ex and you would have to write the GMAT.

Ans: Hello;

I do not know what exactly was the understanding between you and your broker.

However you may raise a grievance online with sebi scores portal.

Be prepared to provide your concern in a short and crisp format and upload documentary evidences of all requisite papers, in soft copy version.

Best wishes;

Ans: Start by documenting instances where your colleague takes your customers. Keep track of assigned leads, interactions, and any proof that shows unfair interference. Once you have enough evidence, approach your manager diplomatically. Instead of complaining, frame it as a concern about fair opportunity and teamwork. You can say something like, "I’ve noticed some overlap in customer assignments, and I want to ensure a structured approach so that everyone gets a fair chance to contribute."

At the same time, build relationships with other colleagues. Even if they are currently sidelining you, consistency in communication and showing your expertise will gradually shift their perception. Join informal discussions, offer insights, and find ways to make yourself valuable within the team. Sales is as much about internal networking as it is about customer engagement.

For your customers, establish stronger direct relationships. The more your clients trust you, the harder it will be for someone else to take them. Be proactive in follow-ups, personalize your approach, and make them feel you are the go-to person for their needs. If you can, set up meetings or calls with them before your colleague gets the chance.

If your workplace has a CRM system, ensure that your interactions with customers are properly logged. This creates a record of your engagement and makes it harder for someone else to claim them unfairly. If processes for lead allocation are unclear, suggest to management that a transparent system be put in place to avoid conflicts.

This will take time, but by being assertive, strategic, and focused on performance, you can shift the dynamics in your favor. If you remain consistent and prove your worth, your position in the team will strengthen, and your colleagues will have no choice but to acknowledge your contribution.

Ans: Hello
yes, you can appear.

Ans: Hello Vinayak Ji
Integrated classes are a good option since he has to visit colleges primarily for practicals & he will get ample time for preparation and self-studies.

Ans: Taking a double drop with NIOS will not extend your JEE Advanced eligibility. Focus on performing well in your improvement exams in 2025 to meet the eligibility criteria. If eligible, prepare seriously for JEE Advanced 2026 as it will be your final attempt.
All The BEST for Your JEE Preparation.

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Ans: Hithaishi, No, you cannot reset your JEE Advanced eligibility by giving Class 12th again from CBSE.

Key Points:
JEE Advanced allows only two consecutive attempts after your first Class 12th attempt.

Since you completed Class 12th in 2024 (Karnataka Board), your eligible years for JEE Advanced are 2025 and 2026.

Reappearing for Class 12th from another board does not change your attempt count.

Your eligibility remains linked to your original Class 12th attempt in 2024.

Conclusion:
If you do not qualify JEE Advanced 2025, you can still appear for JEE Advanced 2026 (your final attempt).

However, switching to CBSE in 2026 will not extend your eligibility.

Focus on JEE Advanced 2025 to maximize your chances. All the best for your JEE Preparation!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Ans: Nisha, You can appear for JEE Advanced 2026, but there are essential eligibility criteria to consider.

Number of Attempts: Candidates are authorized a maximum of two consecutive attempts. Since you took improvement examinations in 2025, that counts as your first attempt, making 2026 your second and final attempt.

Class XII Examination Criteria: To be eligible, you must have appeared for your Class XII (or equivalent) examinations for the first time in either 2024 or 2025. Your subjects must include Physics, Chemistry, and Mathematics.

Performance in Class XII: You must satisfy the required performance criteria:

At least 75% aggregate marks (65% for SC/ST/PwD) or

Be in the top 20 percentile of your respective board.

Since you passed Class XII in 2024 and took improvement exams in 2025, your highest score from either year will be considered. Ensure your improvement exams encompass all required subjects.

Additionally, candidates admitted to the preparatory course in 2025 can appear for JEE Advanced 2026 if they meet other eligibility conditions. All the Best for your JEE preparation.

Stay updated with official JEE Advanced notifications and the conducting IIT’s website to monitor any changes in eligibility or exam schedules. All the Best for your JEE Preparation.

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Ans: Hi Gaurav,
Greetings.
Whenever we decide to take an entrance exam, it’s important to review the guidelines thoroughly. Like other entrance exams, CDAC has provided details on their website regarding the examination process. Admission is based on the vacancies available in the respective areas, and candidates will be admitted after a proper evaluation.

As you mentioned, there are several stages that candidates must clear for admission, if a candidate achieves average marks (Point 8a. (v) In order to rationalise the marks scored by candidates appearing in different shifts in an objective manner through a statistical method, before declaration of result marks scored by candidates will be Normalised based on the formula ), it can be challenging to predict their likelihood of admission. The Air Force has the discretion to set qualifying marks for any or all subjects of the examination. Below are points extracted from CDAC to provide more clarity about the admission process.

Sometimes, they may even consider a second cut-off if necessary ( Based on organizational requirements, IAF may impose a second cut-off for particular branch and call additional eligible candidates for SSB testing. These candidates will be shortlisted purely based on order of merit for the particular branch. That particular branch should be one of the choices submitted by the candidate at the time of registration. The candidature of candidates thus shortlisted, will be valid for that particular branch only and not for any other branch. In the overall Order of Merit, they will be placed below the last candidate qualifying the First AFCAT cut off marks {Para 9(a) above}. If successful in the selection process, these candidates will be inducted into that particular branch only, subject to vacancies and order of merit. These candidates would be required to submit an undertaking to this effect).

So,If you've decided to pursue this path, then proceed with thorough preparation.

BEST OF LUCK.
POOCHO. LIFE CHANGE KARO!