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Ans: Hi,

As per your age and monthly income, you have invested quite a good amount till now. Let me guide you one-by-one:
- your emergency fund is missing. Have atleast 6 months worth expenses in FD or liquid funds for uncertain situations
- health insurance is good. Make sure cover is minimum 15 lakhs for a family of 3.
- take a term plan as you are the sole earning member. a term cover will protect your family in any uncertainty. Tata term plan of 50 lakhs is good but ideal cover for you is minimum 1 crore. Take one more policy worth 50lakhs.
- you've invested in various mutual funds, but they are quite concentrated and not recommended. Entire mutual fund investment need proper allocation and a plan
- you have LIC policy, HDFC Sanchay - make note that these policies give annual return of 4-5% over all their term and it is not recommended to buy such policies. If possible, surrender these and invest upcoming premiums and surrender amount in equity funds. And refrain from buying any such policy in the future.
- 11 lakhs invested in stocks, only recommended if you have good knowledge and have time to track, otherwise not recommended.
- plot in village - good, hold.

So overall, lic and hdfc policy needs to be surrendered.
And existing mutual funds need reallocation and proper strategical plan. Connect with a professional to start the same and avoid falling for random online tips.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Lakshmi Madam,

I hope this message finds you well.

I would like to suggest that pursuing a postgraduate degree in medicine in Dubai may not be the best option. Compared to Dubai, India offers excellent facilities and a diverse patient population, providing a richer learning experience.

If pursuing medicine in Dubai is still being considered, here are some important details to keep in mind:

**Medical PG (Residency) in Dubai**
This is a competitive 4–5 year training program under the Dubai Health Authority (DHA) or Emirates Health Services (EHS), starting around October. To qualify, candidates must pass the Emirates Medical Residency Entrance Examination (EMREE), aiming for a score of at least 60%, with 80% or higher recommended. The program offers a paid salary.

**Key Aspects of Medical PG in Dubai:**

1. **Application Process:**
Applications open annually around January, with interviews (Multiple Mini Interviews - MMI) conducted in May. Candidates need to rank their preferred specialties, and a matching system similar to the US NBME is utilized.

2. **Entrance Exam (EMREE):**
The EMREE is the required entrance examination for the program.

3. **Eligibility:**
Applicants must hold an MBBS degree and provide evidence of completing a one-year internship.

4. **Documentation Required:**
Necessary documents include the Primary Source Verification (PSV) report, IELTS/TOEFL scores (if applicable), CV, and academic transcript.

5. **Competition:**
The competition is intense, with UAE nationals receiving priority in the selection process.

6. **Scope:**
A residency in Dubai is not recognized in India, although it can lead to further specialization or eligibility for Royal College exams.

7. **License Equivalency:**
All non-UAE qualifications must be attested by the UAE Embassy in the issuing country, followed by the Ministry of Foreign Affairs and the Ministry of Education in the UAE.

I advise you to carefully consider these factors. It may be more beneficial to complete the postgraduate degree in India instead.
BEST REGARDS.

Ans: No, capital gain tax exemption on sale of house property is available if gain amount is invested in new house property as per prescribed conditions.

Ans: For house property, acquired before 1st April 2001, owner has option to consider market value as on 1st April 2001 as cost.

Resident taxpayers (individuals/HUFs) selling immovable property acquired before July 23, 2024, can choose between two options for Long-Term Capital Gains (LTCG) tax:
Option A: 20% tax rate with indexation benefit (adjusting purchase price for inflation).
Option B: 12.5% tax rate without indexation.

This allows taxpayers to choose the lower tax liability.

Ans: A daughter-in-law becomes a member of her husband's Hindu Undivided Family (HUF) upon marriage but is not a co-parcener. While she has rights to maintenance and a share in the event of her husband's share being partitioned, she cannot directly demand a partition of the HUF property.

Assets received by legal heir on death is not an income chargeable to tax. Once you add asset in HUF, all coparcener (spouse, son, daughter) is eligible to enjoy rights in the said asset.

Ans: Diabetes usually develops gradually. Dietary habits that support long?term blood sugar stability include aiming for meals that include protein (eggs, lentils, yogurt, tofu, fish, chicken), healthy fats (nuts, seeds, olive oil, avocado), high?fiber carbs (whole grains, vegetables, legumes). Choose whole grains over refined grains. Increase fiber intake and limit sugary foods and drinks. Include protein in snacks and stay well hydrated. Regular physical activity improves insulin sensitivity, prioritize sleep and manage stress.

Ans: Fruits are nutritious, but they’re not designed to be the main source of calories long?term. Even though fruit sugar (fructose) is natural, it still affects blood sugar. A fruit?only or fruit?dominant diet may lack essential nutrients. Fruit digests quickly as well. Low protein intake affects metabolism and muscle health. Including fruit as part of a balanced diet is great but the issue arises when fruit becomes the primary food group. A fruit?heavy diet may be risky for people who are sedentary, prediabetic, diabetic,
prone to blood sugar fluctuations, older adults and those dealing with metabolic issues. These individuals may experience sharper glucose spikes and energy dips.

Ans: Diabetes can influence oral health in several interconnected ways by making the immune system becomes less effective. More glucose in saliva feeds harmful bacteria, there is reduced blood flow to the gums and saliva production is reduced. People with diabetes are more likely to develop gingivitis and periodontitis, and these conditions may progress more quickly if blood sugar is not well controlled. Keep blood sugar levels well managed, brush twice daily with a soft?bristled toothbrush, floss daily and maintain regular dental checkups.

Ans: Aging and diabetes each affect the body’s defenses, and together they can make infections more common and slower to heal. High blood sugar affects immune function, reduced circulation, nerve changes, age?related immune decline and higher glucose in urine. Stable blood sugar helps the immune system work more effectively. Your grandmother should have whole grains instead of refined grains, plenty of vegetables, lean proteins (lentils, eggs, fish, poultry, tofu) and healthy fats (nuts, seeds, olive oil); have adequate protein; limit added sugars and good hydration. Good hygiene habits, good skin and foot care, support for urinary health with adequate fluid intake, and adequate sleep.