Thank you Amitabh. Can you recommend someone through whom I can get Tax related advice and to file my Income tax returns as I have not filed them ever. I live in North kerala near Kannur and Mangalore. I am a Merchant Navy officer and most people are not familiar with filing returns for Merchant navy guys. Is a CA good or Income tax practioner better for the job. Thanks. Can you tell me something about yourself in an email to me. email. m34dashing@rediffmail.com Thanks.