Palpitations. It says cardiac failure.

Hello respected Doctors Greetings. I have been noticing that whenever I bend down to pick up something and get up I feel palpitations. It then moves to my neck both sides. It first starts in left then right and I start feeling breathless from that neck and throat area and I feel dizzy. But the palpitations is from the left side. My throat becomes stiff. Seems someone is killing me. Pls help. I don't have thyroid or BP issues. Nor diabetes. My HB is 13.5 and creatinine is 0.92. My height is 5.3 and weight 47 kg. I am unmarried female. This is happening past one and half year. Is this sinus tachycardia. Thrice I did ecg. It says 80 bpm, 100 bpm and last says 95 bpm. My 2D echo twice was normal. Pls advise me. Is this heart failure. How much time I have left with me. I am an orphan and I have no one to take care. I googled up it says cardiac failure. Thanks