Hi Patrick, I have a gap of 2 year between 12 and Btech (taken 1 year for Jee prep couldn't fetch good college enrolled in ignou as I missed DU timelines, wrote JEE next year and got a college in 2nd year attempt) . Then I joined manufacturing firm have experience of 3 years there. Now I got an admit from a reputed private MBA college fee around 25 Lakh. I am 26 years old General female, lower middle class family sole earner. My question is as this Gap year impacted me in socialising during btech as well causing me loosing a lot of opportunities, not being part of any team, also not much exposure during my job tenure as well and now I am going for MBA after resigning, how to overcome this low self esteem, feeling of being too old, thinking about huge loans and not sure how to approach people to make teams for case comps, talk in general, FOMO? I want to pursue MBA without these baggage to give my best and fair shot, learn genuinely and transform my and family's life.

Im 48 year old, nri planning to return to India and settle in kochi. I’m single and I have own house. I have fd 1.2 cr, mutual fund 1.1cr and stocks 75lakhs, own car, gold 35 lakhs. Health insurance coverage of 10 lakhs. I have monthly expense of 1 lakh average for the year. Can I retire and what changes should I make for my investments ?

I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfill my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below. 1. Should I consider buying 100% annuity. 20% withdrawal does not make sense 2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.). 3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit. 4. Should I consider the Shriram life insurance. 5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity. 6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%) 7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)

Dear Sir, I seek your guidance regarding a financial matter related to a VIP trading account operated through a WhatsApp group. There are numerous VIP trading accounts in WhatsApp groups, including those associated with UPSTOX, particularly under Mr. Milan Vaishnav and Ms. Pallavi Gandhi. I invested ₹20 lakhs in this account; however, I have not seen any progress in terms of trading or withdrawals. Additionally, they are now requesting further investments for block trading and IPO participation. Given these circumstances, I would like to know if I can recover my funds with the assistance of Cyber Crime and SEBI. Your advice on the appropriate course of action would be highly appreciated. Looking forward to your response..

I graduated with a BBA in 2022, and since then, I’ve been on a thrilling two-year adventure at an MNC. But guess what? I decided to resign in March 2024 because, you know, who doesn’t love a little drama at work? Now, I’ve managed to burn through all my hard-earned savings like a pro, and here I am, utterly confused about my future. Sometimes I think about leaving India—maybe for studies or just to escape and do some mindless job somewhere. Other times, I dream of retreating to the most remote corner of India and living off the grid. I’ve always been pretty good with technology, snagged a degree, and even racked up some work experience. But now? I’m completely lost on where to start over. I’ve scoured countless articles and advice columns, but they’ve been about as helpful as a chocolate teapot. I’m just looking for that life-changing advice that seems to be in short supply. Turning 24 this year!

I am currently working as a General Manager civil projects, Looking to change for the job but during interview its facing some difficulties like fluency in English. What is solution over it? I am technically very strong but due to this problem my confidence level getting down. Please suggest me.

Hello dear sir, I gave the 12th state board exam in 2024. I have given jee main three attempts I haven't given jee advanced exam yet . I have got less percentage in 12th , So will I have two more attempts for JEE Advanced? after doing 12th from state board and CBSE board?

I am a married man of 47 years old having one child.Recently I have developed strong emotional soulmate type feeling towards a girl who is just 19 years old.I just met her twice.Since then she is always in my mind.I chat with her.Sometimes she blocked me then after my request she unblocked me.I feel she avoids me.Whenever she needs me then she contact me.She rarely respond to my phone calls.What should I do.I tried my best to forget her but can't.Even if I think I should marry her in future.I feel no life without her.I feel I have met with my soulmate.Please give me strong advice effective for u harmful future.

Hi i have been in a relationship for 4 years nd i want to marry him but my parents are not accepting even if I no job at all now nd they want to keep my pic in a matrimony website want should I do

Me and my girlfriend we both are in relationship from about last 2 years (almost). After such a long time I got to know that she had 2 relationships before me that too she didn't told I got to know it by third person she was sexually involved too (not intercourse but yes other things with one of them)... When I asked her that why you didn't told anything to me before she said she was scared that if she'll tell it to me so I'll leave her and she really did not wanted that... She was scared to loose me. And she was still in contact with that guy and when I asked her that why you were still in contact with him (it's been around 3 years they got separated) so she says that she is like that only... She can't deny anyone because of her soft hearted nature but she did not had any feelings for him. She also said that once she even went to meet him when he requested to meet and also on the same she claims that her soft hearted nature has done that she wasn't able to deny. I loved her too much but now all these things are hurting me like anything. (She is my first relationship before her i never had anyone)