I am 36 married and have children. My life was going very well untill a girl who was my junior collegue married with children showed an interest in me as i was her senior some seven years back. The girl kept on keeping in touch with me then and one fine day i expressed my romantic interest in her. She reciprocated. We had some physical then and no sex happened. She kept in touch with me and we exchanged few sex chats too. In this period i helped girl officially. All stopped suddenly three years back where the girl was back to her home place. I felt very disturbed. I wanted to have sex with her but the girl rarely responds now. I send her messages some times but reply is very measured. I lost interest in having sex with my wife gradually. My question is i feel cheated now. I want to know how to get over her thoughts. I still want to have sex with her but there is no interest for her. I am not able to do sex with other woman too as my mind is deeply engrossed in her thoughts still. Please help.

Ans: Hello
You can get this branch around CRL 7K also but in IIT Jammu.

Ans: Hi
For the B.Tech-M.Tech Integrated program in Computer Science and Engineering (Cyber Security), NFSU accepts JEE Main scores.

For most other undergraduate and postgraduate programs at NFSU, admissions are primarily based on The National Forensic Admission Test (NFAT) conducted by NFSU

Ans: Hi Abilasha,

A score of 652 in NEET is no joke. Have you checked what went wrong in that exam? Analyzing your performance is essential.

I think you may not have had the moral support you needed, which is why you chose to pursue a BSc. It’s challenging to juggle multiple tasks, such as preparing for NEET while attending a regular course. Nowadays, there are many distractions like friends and social media, not to mention the plethora of advice and predictions from the media that can feel overwhelming. There isn't a one-size-fits-all solution; it varies from person to person. We humans are unique and shouldn't simply follow what others say.

Your goal is to become a physician, and that should be your main focus. I noticed that you didn’t mention which specialization you chose for your BSc. If you had selected subjects related to NEET—like Chemistry, Biology, and Physics—you could have focused on them without needing to study the same topics separately and could have dedicated more time to the other subjects.

In recent years, we have started to encounter these kinds of entrance exams and experiences, and we still need to go through exit exams.

So, don't let anything worry you. Focus on one task at a time and complete it. I believe you are capable of accomplishing your goal this year.

ALL THE BEST.
For any further questions, please feel free to ask.
POOCHO. LIFE CHANGE KARO.

Ans: No

For claiming tax exemption, you have to file exemption u/s 54 or 54F in ITR filed within due date. Also if you can't buy new home within prescribed limit, you have to deposit the required amount in capital gain scheme account before original due date of filing ITR.

As you have not fulfilled the conditions, now you are not eligible to claim exemption.

Ans: Your 100 shares of Jindal Vijaynagar Steels Ltd. (issued in 1995) have undergone significant changes due to mergers and corporate actions over the years. Here's a breakdown:

- Merger with JSW Steel: Jindal Vijaynagar Steels Ltd. merged with Jindal South West (JSW) to form JSW Steel Ltd. The conversion ratio during the merger was 1:16, meaning for every 1 share of Jindal Vijaynagar Steels Ltd., you received 16 shares of JSW Steel Ltd.. So, your 100 shares became 1,600 shares of JSW Steel.
- Stock Split in 2017: JSW Steel underwent a stock split in the ratio of 1:10. This means your 1,600 shares were further split into 16,000 shares.

As of today, 27 April 2025, you would hold 16,000 shares of JSW Steel Ltd., assuming no other corporate actions (like buybacks or additional splits) have occurred since then.
To ensure these shares are credited to your Demat account, you may need to contact the company's registrar and transfer agent (RTA) or your broker. They can guide you on the process of dematerializing your physical shares.

Ans: You have rightly thought about growing your wealth.

Investing with careful assessment is always a smart and disciplined move.

You are trying to create an extra income source, which is a wonderful financial habit.

However, your current investment plan needs careful re-evaluation.

Your concern about EMI being higher than rent is very valid.

You are already spotting possible cash flow risks at an early stage.

That shows your awareness and maturity towards financial planning.

Three cheers for this clarity at the beginning itself.

Analysis of Your Commercial Property Plan

Property near a new airport can seem attractive to many investors.

However, real estate investments have hidden risks and complexities.

Your rental yield expected is Rs. 15,000 per month.

But your EMI for Rs. 15 lakh loan will be higher than Rs. 15,000.

Thus, there will be a cash shortfall every month.

Also, maintenance charges, property taxes, brokerage fees will further eat into returns.

Finding a tenant immediately after purchase is also not guaranteed.

There could be long vacancy periods with no rent income.

Repairs, legal paperwork, society charges will cause unexpected additional expenses.

If tenant defaults, the recovery process is complicated and stressful.

Selling commercial property in future can also take a lot of time.

Real estate resale value depends on market cycles, which are not predictable.

Commercial spaces sometimes stay unsold or unrented for many months.

Hence, your investment capital will be locked and liquidity will become poor.

You will not be able to exit easily during an emergency.

Further, real estate price growth is slow and sometimes stagnant.

Even in prime locations, commercial properties carry such risks.

Thus, it is not ideal for generating safe monthly income.

Assessing Your Monthly Cash Flow Stability

You are a salaried person without any loan burden now.

Taking a new loan when EMI exceeds income from asset is risky.

It can cause high financial stress if job loss or salary cut happens.

Debt without guaranteed cash inflow weakens your financial strength.

Financial freedom comes by reducing liabilities, not by increasing EMIs unnecessarily.

Right now, you should focus on strengthening your cash flow safety.

Ensure your investments earn stable and predictable income for you.

Avoid entering into investments where outflows are bigger than inflows.

A mismatch in cash flow can derail your future financial goals.

Alternative and Safer Investment Strategy

You have a wonderful opportunity to invest Rs. 40 lakh wisely.

Instead of commercial property, choose safer and smarter options.

Invest in a diversified portfolio of debt mutual funds and hybrid mutual funds.

Opt for regular plans through a Certified Financial Planner for guided support.

Debt mutual funds provide stable returns and monthly income through SWP (Systematic Withdrawal Plan).

Hybrid mutual funds (Balanced Advantage Funds) can protect against inflation better.

Actively managed funds perform better than index funds in tough markets.

In index funds, you are tied to market ups and downs with no professional edge.

Hence, actively managed funds through a CFP offer better risk-managed growth.

Debt mutual funds taxation is reasonable under the new rules from April 2024.

Long-term capital gains are taxed as per income slab in debt funds.

For equity mutual funds, LTCG above Rs 1.25 lakh taxed at 12.5% now.

Overall, the post-tax returns in mutual funds are attractive compared to property rentals.

Also, mutual fund portfolios are far more liquid than real estate.

You can sell or redeem easily whenever needed without heavy expenses.

Emergency Fund Creation Should be Priority

Before thinking about monthly income investments, secure an emergency fund.

Park 6 to 12 months of your expenses in liquid mutual funds.

Liquid funds are safe, low-risk, and can be withdrawn anytime within 1-2 days.

Never depend only on salary or investment income without a backup emergency fund.

Emergency funds give huge mental peace and financial confidence.

Health and Life Insurance Check

Ensure you have adequate health insurance cover for you and your family.

Minimum Rs. 10-15 lakh health cover is recommended individually.

Without health cover, one hospitalization can destroy your savings.

Also, take a pure term life insurance cover if dependents exist.

Avoid ULIP and endowment policies for insurance, they are not cost effective.

Pure term plan provides large cover at low premium, ensuring financial protection.

Retirement Planning Should Also Be Balanced

While creating monthly income now, plan for future retirement too.

Allocate some portion to long-term equity mutual funds through SIP.

This ensures you beat inflation and create a good retirement corpus.

Today’s Rs. 15,000 monthly expenses will be Rs. 50,000 after 20 years.

Hence, balancing current income needs and future corpus building is very important.

Important Risks If You Invest in Property Now

Cash flow mismatch (EMI greater than rent)

Long periods of vacancy

High transaction cost in buying and selling property

Maintenance cost, repairs, tenant-related legal issues

Property market volatility and slow appreciation

Difficulty in exiting when urgently needed funds

Poor liquidity compared to mutual funds

Simple Action Plan for You Now

Do not invest in commercial property at this stage

Invest in diversified mutual funds portfolio (Debt + Hybrid funds)

Start SWP for monthly income after proper fund selection with CFP guidance

Build emergency fund in liquid mutual funds (Rs. 4 to 6 lakh)

Take health insurance and term insurance cover without delay

Keep small allocation for long-term SIPs for retirement corpus

Review portfolio every 6-12 months with a Certified Financial Planner

Finally

Your goal of building a stable monthly income is very good.

However, investing in commercial property near airport is risky and unsuitable now.

Focus on low-risk, liquid and inflation-beating mutual funds for regular income.

Have a well-rounded 360-degree financial plan covering income, emergency, insurance, and retirement.

Your financial journey will be much safer, stronger, and stress-free.

Right strategy today will help you achieve real financial freedom tomorrow.

You are already thinking smartly, now just align execution with a structured plan.

If you wish to reach out personally, you can connect through my website mentioned below.

This platform restricts direct personal contact sharing. Hope you understand.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Hi,

The examining authority is a national body, and the level of the examination is at the national scale. The NTA has stated that they will adhere to the guidelines set by the Government of India. I have included relevant information for your reference.

6.2.3 For Candidates Claiming SC or ST Status
Candidates must possess a valid SC/ST certificate in accordance with the latest guidelines from the Government of India to be eligible for seats reserved for the SC/ST category.

It’s advisable to obtain a central government certificate to avoid any last-minute issues.

ALL THE BEST.
POOCHO. LIFE CHANGE KARO.

Ans: Hi Vijay,
I have already answered this query. However, for clarity, I am providing the same details again.

The examining authority is a national body, and the level of the examination is at the national scale. The NTA has stated that they will adhere to the guidelines set by the Government of India. I have included relevant information for your reference.

6.2.3 For Candidates Claiming SC or ST Status
Candidates must possess a valid SC/ST certificate in accordance with the latest guidelines from the Government of India to be eligible for seats reserved for the SC/ST category.

It’s advisable to obtain a central government certificate to avoid any last-minute issues.

Ans: Hi,

The examining authority is a national body, and the level of the examination is at the national scale. The NTA has stated that they will adhere to the guidelines set by the Government of India. I have included relevant information for your reference.

6.2.3 For Candidates Claiming SC or ST Status
Candidates must possess a valid SC/ST certificate in accordance with the latest guidelines from the Government of India to be eligible for seats reserved for the SC/ST category.

It’s advisable to obtain a central government certificate to avoid any last-minute issues.

ALL THE BEST.

POOCHO.LIFE CHANGE KARO.