Dear Mayank,
I am 35 and I have switched 6 jobs in the last 10 years. I started with IT, then moved to sales and marketing, even did an MBA in finance. I am earning a six figure salary but I am really confused because I haven't figured out a job or profile that really makes me happy. Can you please help?

Ans: Hi Deepak,
there is nothing to worry about, if you can share the details we can work out how to improve the performance & increase the chances of clearing JEE. Apart from JEE she can appear for state entrance exams & other private university exams. There are many good colleges apart from JEE.

Please feel free to connect

Ans: Fertility test for males is
Semen analysis with 3 days of abstinence which gives information of sperm count and motility.
If any issues with it then we do hormonal test like
Tsh, Lh, Fsh, testosterone level, prolactin level
If needed, we do
Usg scrotum with doppler

Ans: History noted, you are being 45 years and wife being 41 years, married since 6 years, staying separately since 4 years, now together since 5 months and with all the challenges.
Every woman has a right to plan for family and have a baby.
Considering financial challenges, future expense can be taken care of with mutual discussion Between you both.
Age factor: can be explained to your wife that fertility level might be compromised with age than if needed can undergo ivf treatment and chances if getting blood pressure and diabetes.
Sarcastic behavior can be tackled with couple counselling, family support psychological therapy and eliminating the root cause.
The above said things are manageable
Being a gynaec and obstetrician, i can take away the right of a woman from being mother and motherhood.

Ans: Key Financial Factors to Consider
Option 1: Buying the Flat
EMI Costs

EMI: Rs. 85,000-90,000 monthly for 12 years.
Net EMI Cost (Post subsidy and tax saving): Rs. 15,000-20,000 per month.
Rental Saving

Buying eliminates rent, saving Rs. 40,000 monthly.
Subsidy Benefit

50% interest subsidy reduces your EMI burden by Rs. 28,000 per month.
Tax Benefits on Home Loan

You save approximately Rs. 5,000 monthly in taxes on interest payments.
Plan to Sell Post-Retirement

Selling the flat in 5-6 years may or may not yield significant appreciation.
Real estate liquidity can be unpredictable.
Option 2: Continuing to Rent
Current Costs

Rent: Rs. 40,000 per month.
No additional EMI burden.
Investment Opportunity

Allocate Rs. 20,000 monthly (saved from net EMI cost) to mutual funds.
This investment grows significantly in 5-6 years.
Flexibility

Renting offers flexibility in case of post-retirement relocation.
Detailed Analysis
Buying the Flat: Pros and Cons
Pros:

Owning a home offers emotional satisfaction.
Subsidy and tax savings reduce EMI burden.
Rent savings (Rs. 40,000) offsets the EMI.
Cons:

Requires additional Rs. 15,000-20,000 monthly for EMIs.
Real estate appreciation is uncertain over 5-6 years.
Selling post-retirement involves transaction costs and market risks.
Renting and Investing: Pros and Cons
Pros:

Avoids the hassle of a large loan and associated liabilities.
Rs. 20,000 invested in equity mutual funds can grow significantly.
More flexibility to relocate post-retirement.
Cons:

Rent payments continue with no ownership asset.
Miss out on interest subsidy and home loan tax benefits.
Scenario Comparison
Option 1: Buying the Flat
Total Outflow: Rs. 15,000-20,000 monthly (EMI after adjustments).
Asset Created: A flat worth Rs. 1.25 crore, potentially appreciating in value.
Risk: Real estate value may stagnate or decline in the short term.
Option 2: Renting and Investing
Total Outflow: Rs. 40,000 monthly in rent, plus Rs. 20,000 invested in mutual funds.
Investment Growth: Assuming 10% CAGR, Rs. 20,000 per month grows to Rs. 16 lakh in 5 years.
Risk: Market volatility may impact mutual fund returns.
Certified Financial Planner’s Suggestion
Based on your financial profile and goals, here is a balanced recommendation:

Leaning Towards Renting and Investing

Renting gives flexibility and avoids real estate risks.
Invest the additional Rs. 20,000 in equity mutual funds for better returns.
A diversified portfolio may provide more liquidity and growth by retirement.
If Emotional Value of Ownership Matters

Buy the flat only if you are confident about the real estate market in your city.
Ensure the flat is easily sellable in 5-6 years.
Carefully assess the costs and expected returns before committing.
Final Insights
Buying a flat works best if real estate appreciation outpaces mutual fund growth. However, this is uncertain in a short horizon. Renting and investing in mutual funds is a more flexible and potentially rewarding option for retirement planning.

Take a prudent decision considering your priorities and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello
Your period was on 25th October
And taken i pill on 3rd December
If taken within the first 24 hours, it is claimed to be highly effective at more than 95%.
Since pco and irregular periods and taken i pill, withdrawal bleed can take5 to 10 days
But if you don't get periods in 3 week's time
Please check pregnancy test
Since you have pcod with irregular periods and taken i pil there can be change in period cycle also.

Ans: Hello Priya, since you are 36 years, married since 4 years, primary infertility, yes, ivf is a better option.
Many patients have lots of myths regarding ivf treatment. But with modern injections and process of egg retrieval it's not that difficult as it seems to be.
The injections which have to be given for 10 to 12 days are either intramuscular in the muscle) or subcutaneous (just below the skin). Easy to be taken. We get injections in PEN form too like insulin injection which is easy to operate and can be self-injected. The effects of the injections are till the process. It doesn't have long lasting side effects.
The main side effects:
1) nausea vomit
2) breast tenderness
3) bloating
4) headache
5) mood swings and hot flushes
6) fatigue
7) pain after egg retrieval
8) cramping
9) constipation due to progesterone therapy
10) ovarian hyperstimulation
Ovarian hyperstimulation syndrome (OHSS) occurs when fertility drugs overstimulate the ovaries, causing them to swell and release chemicals into the bloodstream.
Symptoms:
Severe abdominal pain.
Severe, persistent nausea and vomiting.
Blood clots.
Decreased urination.
Shortness of breath.
Tight or enlarged abdomen.
To consult the doctor if above symptoms to decide if need of hospitalization
So, tat investigations and necessary treatment can be done
But with regular ultrasound and modern injections, ohss is become very rare and treatable

Ans: Forgiving yourself might feel like a tall order right now, but think of it as an act of self-compassion rather than erasing the past. You don’t have to pretend nothing went wrong, but you do deserve to free yourself from the narrative that you were entirely to blame. Sometimes, when we feel stuck in the past, it’s because we haven’t fully acknowledged our emotions or allowed ourselves to grieve—not just for the relationship, but for the version of ourselves we wish we’d been. It’s okay to feel sadness or anger or regret. Letting yourself sit with those feelings—without judgment—can help loosen their grip over time.

A fresh start begins with allowing yourself to be imperfect and to acknowledge your growth. Seven years is a long time, and you are not the same person you were back then. The lessons you’ve learned from this heartbreak have likely shaped you in ways you don’t even realize. If you can, try focusing on who you want to become rather than on who you were. What kind of relationships do you want to create in the future? What kind of kindness can you extend to yourself right now?

You’re not letting anyone down by wanting to heal. In fact, letting go of that guilt might be the greatest way to honor both yourself and the love you shared back then. You deserve happiness and connection, not in spite of your past, but because of it—it’s part of your journey, not the end of it.

Ans: Hello;

You may hold the first account as your primary ppf account and close the second account as per bank/ post office procedure.

Best wishes;

Ans: Hello;

Nowadays payment for IPO allotment is through the process of ASBA(Application Supported by Blocked Amount) wherein funds needed to finance your IPO application are blocked.

If the funds are not enough the application will not go through.

Their no fine or penalty but it may affect your reputation with the bank/broker.

Best wishes;