Thanks Srinivasan. One question regarding finding time from fate line - what would be the age in which you see a dropping offshoot from fate line? the first offshoot that is found below the point where the fate line meets the head line.

Also, you have mentioned lines change along with one's thought process - but can a well established line disappear over time or islands or breaks take place?

I am Rahul Banerji. Allow me to try to analyze your palm:
Your hand has its positive senses, refined will and logic in good measure, with fine diplomacy too.  The head line, attached to the life makes you cautious and sensitive and intelligent.  The heart line is healthy in both hands, but better in your left hand.
You have very much balanced spacing of fingers in both hands (showing a balanced nature again). But the space between fingers in your right hand is not as balanced as compared to your left hand: shows more independence of action in your later life.
The Jupiter finger in your left palm is more outstanding than that of your right palm.
Again I would like to state that you were born with a very balanced nature, and will continue to have this balance in most respects; But the difference, though not marked, show some imbalance.
In your left palm your fate line is independent from your life line even from early years, but in the right palm it is sort of tied to your life line. I feel that due to some changes in your family atmosphere at your early ages, the right hand is not as good as the left, though both your hands are good. The head line in your left hand is better than your right.
Quite the opposite= the sun line in your right hand is better than the left hand. We had seen more independence of action in your right hand. The fate line in your later years is better in your right hand as compared to your left.
This is a success story for your later years of your life - more action - more success- less peace of mind - less balance in the matters of the heart. But nothing is too much out of proportion.

The fate line gives a career through own efforts, but not properly beginning before age 23, when your life started independently too.
Proper career line starting at age 26, with betterment from 28 years age; from when you will start gaining recognition in your field.
Probably some education or work was started from age 21, which was subsequently left.
The period 28/30 till about 36 will be an unique period in life, giving more in terms of quantity rather than quality of life.

You had desired to know, under your point no 2 regarding the 3 lines joining. It has two indications as per my experience. (a)You could also treat it as a fork of your head line around age 36 on your head line. Now studying your head line you will find that from age 36( below the joint between middle and third finger) the head line is getting pulled by the heart line. Obviously, when a head line changes course, being pulled by the heart line, which is not seen in the left hand, it has marked effect on the mentality of the person, ensuring that the heart will start interfering with the head (emotions). At this time too the head line forks with the new line pointing towards moon (imagination, impractical).
This shows that the new mentality will develop from around 36 years age. If the middle portion of palm is magnified it will be seen that the fate line before the head line is deeper than after. Which show better focus at work before 36 than after. A deep cut there signifies a serious trouble/problem, after which the mentality of the person will change more towards emotional/artistic/impractical/emotional. This doesn’t speak against the success story and the sun line good from the middle years. (b) Could be treated as an influence line to the fate line around 36 too. Some scope for research here?! – Personally tested though.
Under your point 4= couldn’t follow.
Hope to hear from you and hope the senior palmists read this too – constructive criticism welcome (I do not know how to post it to them as I am very new).
Rahul Banerji