Respected sir, Will it be a good decision to do B.Tech. in AI &ML from NXTWAVE INSTITUTE OF ADVANCE TECHNOLOGY. I am so confused.

Ans: Hello dear
Continuing KL is advisable for broader tech exposure compared to NFSU Dharwad. The final decision will be yours.

Good luck.
Follow me if you receive this reply..
Radheshyam

Ans: Hello dear
Both are good options. Prefer EEE @ IIIT Nagpur. But is the distance is the main issue, then no harm with VIT Chennai.

Good luck.
Follow me if you receive this reply..
Radheshyam

Ans: Hello dear
Prefer HKBK if possible.

Good luck.
Follow me if you receive this reply..
Radheshyam

Ans: Dear Ashok.
First, don’t make major decisions in the middle of emotional chaos. Take time to process, and lean on a few trusted people — friends, relatives, or a counsellor — who can help you think clearly without being swayed by anger alone. Document everything you know about the affair and any incidents of intimidation or harassment from her or her family. This isn’t just for peace of mind — it’s also to protect you legally if things escalate.

From there, decide what matters most for your future — peace and separation, or an attempt to repair (though after seven years of betrayal, reconciliation is extremely rare unless both partners are deeply committed to rebuilding). If you choose separation, speak to a lawyer before making any moves, so you know your rights regarding property, finances, and reputation. Do not let threats or aggressive behaviour pressure you into unfair agreements.

Emotionally, you’ll need to grieve not just the relationship you thought you had, but also the vision of the life you believed you were building together. That grief will come in waves, but every step you take to reclaim control — over your home, your finances, your time — will strengthen you.

Ans: Dera Priyanka Reddy,

Choose a calm moment to speak to them face-to-face, without arguments or interruptions. Share why you married him — talk about his qualities, how he treats you, and how you both plan to build a stable future together. Avoid making it sound like you’re challenging their authority; instead, present it as a life decision you made out of love and trust.

It may take time for them to come around, so don’t push them to meet him immediately. Let them adjust slowly — first by hearing about him more, then perhaps allowing a casual phone conversation, and eventually meeting in person. Meanwhile, make sure your husband also shows patience and respect toward your parents, even from a distance.

If tensions stay high, you might need a mediator — a trusted relative, family friend, or elder who can explain your side in a way they will listen to without anger. Acceptance might not be instant, but consistent respect, patience, and transparency will give you the best chance.

Ans: Dear Sirisha,
First, you need to get your independence back—both physically and financially. Being kept at home against your will and cut off from communication is a form of confinement. If you feel unsafe or unable to leave freely, you have the legal right to seek help from the police, women’s helpline numbers, or local women’s support organisations. In India, the law recognises your right to choose your partner once you are an adult, and your parents cannot legally stop you from working, studying, or marrying someone of your choice.

Second, you should try to quietly gather your important documents (ID proofs, educational certificates, job-related papers) and contact trusted friends, colleagues, or relatives who can support you. Once you have some safe place to go, you can work on getting your career back on track—either by rejoining work or preparing for your exam.

Finally, you need to decide whether you want to continue trying to convince your parents or take steps independently. Some families change their stance once they realise you are firm and financially independent, but in many cases, waiting for their approval just keeps you stuck.

Ans: Dear Ratan,
First, your priority should be safety—yours, your children’s, and your wife’s. If her first husband is making threats, that’s a criminal matter. You should seriously consider involving the police or seeking legal protection, because threats of violence cannot be ignored.

Second, it’s important to get clear on the legal status of your marriage. If she was still legally married to her first husband when she married you, your current marriage may not be valid under law. This makes legal advice from a good family lawyer essential—you need to understand your rights, your children’s rights, and what steps can protect them.

Third, try to separate the emotional shock from the practical actions needed. Your wife’s choices are hurting you deeply, but right now, the focus should be on making sure your children don’t get abandoned or caught in unsafe situations. If she insists on leaving, you can explore custody arrangements through court so your children remain with you and have stability.

This is not a situation to face alone. Reach out to trusted family members who can support you, and take professional help—both legal and emotional—so you can act calmly and with clarity.

Ans: whom are we talking about ? can you pls tell more about who "HE" is

Ans: You have taken the right step by seeking to clear your loans quickly. Acting now will save you heavy interest and bring you peace of mind. With focus and discipline, you can come out of debt faster.

» current debt situation analysis
– Bank loan: Rs. 10,50,000.
– Personal loan from an individual: Rs. 3,50,000 at 3% monthly interest.
– Monthly income: Rs. 55,000.
– The personal loan has extremely high interest.
– This should be treated as your top priority to repay.

» why high-interest debt is dangerous
– 3% per month means 36% interest per year.
– This grows faster than any investment can match.
– Every month you delay, the interest burden increases.
– Clearing this first will free a big cash outflow.

» step-by-step repayment priority plan
– First target the personal loan at 3% monthly interest.
– Direct maximum extra savings towards this loan.
– Pay only minimum due on bank loan during this stage.
– Once the personal loan is fully cleared, move to the bank loan.
– Then pay extra each month on bank loan to close it earlier.

» reducing expenses to boost repayment
– Review your monthly budget and cut all non-essential expenses.
– Keep only basic living needs until high-interest loan is gone.
– Any festival or luxury spending can wait until loans are cleared.
– Cancel unused subscriptions and reduce discretionary costs.

» ways to increase income temporarily
– Take extra work, overtime, or side income if possible.
– Use any bonuses, incentives, or seasonal income for loan repayment.
– Sell unused items or assets that are not essential.
– This can give you lump sums to pay off part of the debt.

» possibility of loan consolidation
– If eligible, take a lower-interest personal loan from a bank or NBFC.
– Use this to clear the 3% monthly interest loan from the individual.
– This converts a costly loan into a manageable bank EMI.
– However, do not extend tenure too much; keep it short.

» controlling future borrowing
– Avoid taking fresh loans while you are repaying existing ones.
– Do not use credit cards unless you can pay in full each month.
– Keep emergency savings to avoid high-cost loans in the future.

» emotional benefit of quick repayment
– Each loan cleared is a mental relief.
– You can focus on savings and investments after debt-free status.
– It also improves your credit history for future needs.

» using any windfall or asset for repayment
– If you receive any inheritance, bonus, or maturity from an old investment,
– Use it for high-interest loan repayment first.
– Even partial lump sum payments can save huge interest over time.

» after becoming debt-free
– Build an emergency fund equal to at least 6 months’ expenses.
– Start systematic investments for your long-term goals.
– Keep a mix of equity and debt mutual funds for growth and stability.
– Stay away from borrowing for lifestyle expenses.

» finally
Your first focus should be the 3% monthly interest loan. This is draining your income heavily. By cutting expenses, increasing income, and possibly consolidating into a lower-cost loan, you can clear it faster. Once that is done, the bank loan can be repaid with extra EMI. With strong discipline for the next few years, you can be debt-free and start building wealth with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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