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Ans: Person whose is earning income upto ₹7 lakh will be eligible for rebate u/s 87A in new tax regime upto 25,000/-

New revised tax rates proposed for FY 23 24 are:

- Income slab of ₹3 lakh: - No tax levied
- Income of ₹3 lakh to ₹6 lakh: - 5% tax rate
- Income of ₹6 lakh to ₹9 lakh: - 10% tax rate
- Income of ₹9 lakh to ₹12 lakh: - 15% tax rate
- Income of ₹12 lakh to ₹15 lakh: - 20% tax rate
- Income Above ₹15 lakh income: - 30%.

Let’s understand by example:

Calculation as per New Tax Regime:

Suppose, Income from Salary is Rs. 7,00,000/-


Particluars Amount
On 3 lacs Nil
On next 3 lacs @ 5% 15,000
On remaining Rs 100000 @ 10% 10,000
Total Tax 25,000
Less: Rebate u/s 87A 25,000
Net Taxable Liablity NIL

Ans: By 10, the child should sleep through the night without having to pass urine. See that he drinks no fluids from 1 hour before bedtime. For example, if he sleeps by 10, last fluid intake should be before 9 pm. This means no milk either. He need to pass urine at 9 pm and then again at 10 pm, i.e.1 hour before and at bedtime.
Also, no screen time for 2 hours before bedtime.
If , in spite of these measures, he still needs to pass urine after sleeping, then he needs a urine test and a check up.

Ans: It depends on individuals. I would not put a macro comment that Digital Marketing is the best career option -- but if you are in the domain of marketing / sales / creative -- digital marketing offers tremendous scope. Digital ecosystem is evolving and growing very rapidly. And therefore marketeers are looking at having a digital experience to be able to climb up in their career. Digital marketing requires one to be good at numbers, analytics, creative thoughts and understanding of consumer. If you are starting off your career and want to build somethin gin the marketing / sales domain - I would recommend trying out digital marketing in the early part of your career.

Ans: First of all we need to understand the questions being asked by Hindenberg and try to evaluate whether the allegation made by them makes any sense. If anyone goes through the Hindenberg report than the allegations and questions asked can be bifurcated into below broad categories:

1) Violations of Exchange and listed rules
2) Dubious Intra- Party Transactions
3) Use of Shell companies outside india ( Mauritius) to manuipulate the stock price
4) Money laundering through private Adani companies in listed companies of Adani inorder to look Balance sheet good.
5) Inexperienced Chartered accountants to audit the companies.
6) Using stocks as collateral for debt.

Looking at this points and also the allegations done by Hindenberg, i am fine to believe that there few acts which they taken for granted and manipulate the exchange and listing rules but calling Adani company as CON or Fraud is not what i would call this company. Companies margin are very low as compared to their cost of capital but being an infrastructure led company its takes long gestation period to realise the cash flows. Adani is playing important role in building infrasturcture in India with ports, power, airports etc and even though company is highly levered to build the assets and cash flow, the company has good physical assets in the balance sheet. Even though it may not a investible company for a retail invstor with the sort of volatility and margins they are earning.

Valuations are very much stretch with last 2 years price going to the roof. As a retail investor, one should avoid this company due to many uncertainties going forward.

Disclaimer: This is just for educational purpose and this should not be takne as advise for buy or sell.

Ans: Operation is not a solution for Lumbar Spondylosis
There are many other non invasive ways of addressing Lumbar Spondylosis.
Kindly explore all operations

Ans: To be aware of their posture of the upper body while they are at desk work, one should keep things while working, at the eye level
Avoid being down. Keep the hand, head and gaze well mastered with each movement

Ans: We can’t usually generalize investments. This depends on one’s risk appetite, the goals, year to goal, age and the quantum of investment one is looking at.
In a generic way there are quite a few options in which one can invest in 2023. If you are a low-risk individual you can look into post office deposits and bonds at the current time. For tax savings, consider ELSS and NPS.
If you have a moderate-high risk appetite you can look into hybrid and equity mutual funds, Gold funds/ ETFs, Bonds, REIT’s etc. If you have a good quantum of money to invest you can consider PMS options, AIF etc. A high risk investor can look at equity options suggested above through MFs (including mid and small cap funds), PMS, AIFs (including funds investing in unlisted companies).
While looking into these options it is also important to choose good funds. For eg: if you are looking at equity mutual funds it is important to identify good long-term performing funds. If you are looking at corporate bonds, it is important to look at the good quality/rated bonds or debt funds. A financial planner/ investment advisor would help you to identify the investment option and the funds based on your scenario.

Ans: Not likely in any budget of future. However, certain benefits are expected to attract retail investors.

Ans: Graduation is just a bare minimum in today's world. Your son is unlikely to get a good job with just that and therefore, I suggest he goes in for higher studies and professional courses side by side.