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Trapped in a 30-Year Unhappy Marriage: Seeking Advice on Moving Forward

Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Jul 30, 2024Hindi
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Relationship

Dear Anu Krishna, I've been married to a person who has never valued nor cared about me for last 30 years. But I've never ever considered to rethink as I'm hailing from a conservative family. Not even when my husband had both his kidneys damaged n after a period of around 3 years serious medical treatment from various hospitals n various other kind of places then subsequent dialysis thrice a week for almost 3 years then his major transplant surgery then his vigilant care , which is very very important in this case .All this period starting from my marriage of 30+ years , I kept doing everything for him when only my school going 2 sons were there to support him along with my 90 yrs old mother in law ,who was bed ridden ( & could only manage to walk upto her washroom). I managed it all successfully n financial burden was taken care of by my company ( I've been managing everything along with my PSU job) .With the grace of God ????,my husband got all right n started with his business again n slowly got over everything along with her lady partner in business. Problem arises when again he started behaving in the same way as prior to his kidneys issues ( scolding me every now n then, belittling me in everything I do that too before neighbours or before the maids even ) . Now once when he abused my late parents n myself around last year (4th May '23) . I just couldn't take it anymore n started thinking what should I do now when my mother had expired just 2 years back n whom I was very close to . Going to live with my married brothers was also not a good option. So at once I decided that since my both sons are settled well now ( both are engineers from reputed institutes but not married yet) , so I'll take a room now n live in that n can take care of myself as I'm still working n since he always warns me of leaving his house ) It happened when around 16th of May , someone from UK ( a British citizen working at a respectable position) as shown in his Linkedin profile contacted me as business lead ( I had just put my first post on 13th May around Mother's day), though later I realised was interested to know about me rather. Immediately I stopped responding to him . Then later when he pursued, I clarified everything to him that I:m a married woman with two sons telling everything about me. Though there must be some confusion as when I told him that my husband was having kidney issues n he is now on life long medicines) I don't know what he could understand with that he kept on pursuing me ( thinking my husband is my ex now) but I think I had also stated having feelings for him n couldn't tell him the truth till now. Though he is more than ready to accept my kids happily as I too loved his 13 year old sweet daughter .( His wife has expired in a brief illness during COVID 3 years back).To my disbelief, inspite of not even meeting once in person, just by chatting n pics exchange, we seem quite similar n have come quite closer emotionally. Now please suggest in this situation,what should I do now?

Ans: Dear Anonymous,
Your journey has been filled with a lot of challenges and I am sure that you have done your best.
It's natural to respond warmly and want to explore a connection where you are valued and appreciated. But the fact remains that you are still married even if you live separately.
First things first...close one door and then walk through the next otherwise you will be stepping in and out of both only to increase your stress levels and you have had enough of that already.
If you feel this gentleman has not understood that you are still married, then tell him again. Yes, it may change the way he feels or he maybe fine BUT surely he need not be stepping into a confused married world of yours.
Time has come for you to decide what you want to do with this marriage irrespective of whether the new connection will lead you anywhere or not. Surely, you and this gentleman must meet and talk...understand the situations that you both are in; obviously him losing his wife has not been easy on him and his family.
Jumping into another relationship just because it offers your short-term respite from what you have is a mistake.
So, learn more about your new connection, be transparent with him and also in parallel, figure out what you want to do with the marriage. That will need a lot of thinking and work...Take your sons into confidence; they are grown men who have seen you through your most challenging times and will have a lot to offer in terms of perspectives and support.
Lead a good life; one that you deserve BUT one that is filled with clarity and purpose.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 13, 2023

Asked by Anonymous - Nov 04, 2023Hindi
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Relationship
Hi I'm marriwd for 13 yrs...now a stage of seperation has come in life...to start with got married in 2010.. Thouhh we are of same caste n language but I was totally born and brought up in north and he pure typical South Indian...it was arrange marriage with not much talks between n soon happened marriage after marriage there was no physical relationship after just very hardly 2+times not with any int that also ..innone half month caught his one affair n then multiple affairs after that also...but always have insulted me for not being good looking(trust me there are people who r just behind me for being good looking )i dont earn properly nor helpful in financial nor cook proper as I'm from north my pref is north but his south but still learnt n kept cooking...but never ever appreciated..after 2-half yrs of marriage planned for baby through IVF not natural gave some lies reason to hospital n did artificial pregnancy n told me I don't want have relation with u n have my stress...somehow I have now a daughter who is 10 yrs..after pregnancy I gained lotta weight from 55 I shooted to 80 n again his insult comparison started ..over period of years I lost my weight n became much more good looking than before now I have weight before marriage also...came down to 52 ... vacation takes once a year 2-3 days Max to Goa only Goa no othe eplace have seen...there also keeps on sleepin for most of time if asked to go out tells came for relaxin not roamin food also have to fight...I jus go for daughter sake and like the place...also I have caught him in his bag keeping and still using tabltes like viagara sedenefil tradamol etc but where he goes n has relation God knows is very egositic jus treat me like slave I should jus clean house cook not spend n earn also n not go out creates huge ruckus if go for bday party or function also nevertheless I go ...off lately I lost my way also had a emotional attachment with a man who understood me n tri d to help financialy n eveyway which husband caught hold off n startwe torturing me n blamin me I'm not proper I'm dirty women this that but I blamed him when husband is not doin role of husband what I should do ..also one more fact when they married thier family lies about his first divorce hid and married which I got to know after my kid...still never accepts his fault n when I pin pointed his defects and his affairs n everything he tells he can do anythin doesn't mean I can do anything I want...now parents side they r supporting me for divorce but thier behaviour is also very dominant n order kind if I losten like goat they wil do else they r some super special PPL change like wind ...bit for sometime untill settle I have to be there...coming to maintenance fee and all husband keeps blackmailing I have proof of ur affair I can show to court but I'm not doin do mutual n agree for amount he tells not what I ask..he has never told his real salary till now to me n tells will give 15k per month n my demand is 25k coz daughter is also with me n I don't wnat to depened on money of parent I wil woke too but I'm not so high qualified ...pls tell me I should divorce n lead life seperate I tried to calm down situation but no responses from him last six month back I had left n gone my relative talked n tried teo reconcile took me back but after comin last 5months has not spoken a single word nor gave one rupee also to me...
Ans: Dear Anonymous,
Your husband does not seem like a person who is stable or can offer stability. And this is evident in his behavior of the past many years. So, if you are someone who seeks security and stability within a marriage, I am sure you know what is the right decision to make regarding the marriage.
If you decide that stepping out of this marriage is the right thing, kindly hire the services of a lawyer who can draw up the terms of separation that will secure your daughter's future as well. In the meantime, start searching as to what work you can do...start with something small and many doors will start to open up. Work from home (with the skill sets that you have) can be a good option. Financial independence will go a long way in helping you stand on your feet and also bring in a lot of confidence that you actually need.
Whether you choose to continue in the marriage or not, you identity is something that you must focus on. It helps you to be firm and strong. So, focus on yourself and create a stronger self.

All the best!

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Aug 21, 2024Hindi
Relationship
Hello, I am from a good educated family in Dehradun. I got married 3 years back in an arranged marriage setup through a mediator in Meerut. My husband has a small sportswear factory above his home only and mostly he is at home. I have a widowed MIL and SIL who is married just a year before me. There were problems in my marriage from the very beginning but my parents and me were too naive to see the red flags. They had demanded 20lakh cash and also my parents had given them lot of gold silver items which my MIL has withheld and says I have taken everything and my husband also supports her everytime. He is a mumma's and sister's boy and lies to me all the time. He does not value my opinions and expects me to obey him and his mother. He verbally abuses too much which he did not disclose before marriage. I left my job before marriage as my parents were finding a match for me from past 2 years but were fed up so there desperation got me married here in Meerut. They mentioned there income as 20-25lakh in biodata but I still don't know the real income of my husband. He says he has taken loan from his mother and is in her debt and says all the time that his, his mother and his sister's bond is unbreakable, without me asking. From beginning I was not treated like a family member but they just instructed me what were my responsibilities of cooking and handling house and bowing down to her sister and brother-in-law. My husband never stood up for me in beginning. One night he became so abusive that he twisted my hand and verbaly abused my family so much. I in fear called my mother and they took me back. I filed a case against him and we stayed separately for around 1.3 years. That was a horrific time for me and my parents, going to courts and they never appearing once. I started online MBA and small job side by side to bear my expenses as my husband was not supporting financially at all. He was not ready to give back our money or jewellery and just saying he wanted to stay with me, but I did not wanted to go back to that house. His mother created too much drama in front of him and foul language was normal in that house. After a counselling session I arranged, which he was not ready to attend but I convinced him, we decided to give it another chance as he apologised to me and my parents. and I also thought about my future which would impact my family and younger sister as well. So his family came to our house to take me back and welcomed me nicely this time with bouquet and my husband decorated our room with balloons. 3-4 months it was all well, they behaved nicely, I ignored small things his mother said or did. I tried to recreate the bond with them, but there rude behaviour returned. His mother's insecurity is impacting me and my husband's relation so much, that he ignores my needs for her and does not see I'm in pain even if I tell him. I am filled with anger and frustration now and when I share it with my husband, he blames me for overthinking and verbally abuse me sometimes for destroying his life. I am going in depression due to this and unable to focus on my studies or any work. Due to this stress I don't feel like staying in that house and frequently visit my parents house, but my husband does not let me live in peace here also, he keeps verbally abusing and taunting me for staying at my parents so much and tells me he cannot come every second month there in a very rude abusive tone. I am fed-up of his dual attitude, one day he showers so much love, next day he gets so out of control. With rest of the world he is so sweet and shows he loves me so much, which has brought me in a bad light to think so bad of him. My problems are everyday little problems for them which I should bear. Currently I am 7 month pregnant and at my parents home. He beared my meds and doctor expenses there, but keeps on reminding me this that he has done this, he brought an almira for me after so many months of me begging him because they did not had any basic amenities arranged for me beforehand. My parents gave automatic washing machine, and few more new items during marriage but no gratitude for anything, instead they keep telling me they got almira for me, put khanewali for me as if they are not eating that food. I had cooked full 3 time meals and serving them on there bed, still they say 'kuch ni karti, kamre mei rehti hai. mumyji ke sath ni baithti, iske lie ye kardia, ghuma ke late hain' or meri kamiya ginate rete hain. They do not tell full truth, what me and my parents have done for them. My husband does not know proper English also and thinks himself no less than a king. His mother and sister enables his bad behaviour and laugh it off. I am worried for my future now as now a kid is involved. I had left my job again to go back as everyone told me to focus on mending relations first. He does not seem to care much for the baby also. When I tell him I have a headache, he tells me he has more headaches and responsibilities than me. Never really understood my feelings or cared genuinely. Mostly worried about money. All financial assets are in his mother's control so he has to bow down to her tantrums, and expects me to do that as well. She keeps showing him how sick she is, but goes to kitty parties and my husband takes her mostly everywhere with us on vacations. If me and my husband go even on a 2-day trip, my husband keeps video calling her because he knows her insecurity. She also keeps saying things like, 'tere bina pal pal katna bhari hora' like a couple talks. But if my SIL goes on 6 day trip with her husband, then she is very happy and tells them to enjoy. This gives me chills and spoils my mood everytime. My husband knows it yet he does not say or do anything about it. But I cannot continue like this, I feel suffocated and stuck many times, not knowing if I even belong here or not. My husband feels spending money on counselling is a waste so he will not take it now. Pls guide what should I do next. Can this relation be saved or not?
Ans: Since your husband is unwilling to attend counseling, consider seeking therapy for yourself. A therapist can help you process your emotions, build resilience, and identify what you need to feel secure and valued. Your emotional well-being is crucial not just for you but also for your baby, as stress during pregnancy can have long-term effects.

Open communication is essential, but it seems your husband is dismissive of your concerns. Try one last time to have an honest conversation with him. Clearly express your feelings and the changes you need to see for the relationship to work. Focus on specific actions, like setting boundaries with his mother, reducing verbal abuse, and showing emotional and financial responsibility.

If these conversations don’t lead to meaningful change, you may need to consider the long-term implications of staying in this environment. Living in a toxic household can have a profound impact on you and your child. If leaving feels like the safest option for your mental and physical well-being, work with your family to plan a way forward. This could involve legal steps to secure your rights and ensure support for your child.

Your efforts to mend the relationship show your commitment, but it’s vital to remember that a healthy marriage requires mutual respect and effort. If your husband and his family are unwilling to meet you halfway, prioritizing your own peace and stability might be the best decision for you and your baby.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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My age is 41 years. I have two kids. Nurturing n looking after them n whole home single handedly. I am a visiting faculty in a institute . Earns very nominal earning. My husband hits me, taunts me and use very arrogant words to me like tumhe belt se maarunga n similar many worst words. His family has been always unsupportive to me . Now after 16 years of marriage, he still wants me to please his mother n other family. Which I completely avoid as they have never supported me and always boycotted me. His real brother is in politics and all family members including his cousins do follow him and boycotted me n husband. Now for everything my husband blames me and says if you gave pleased them, all might have good. But inspite of pleasing them a lot , they are like treating me like I am a stranger. I handle n manage everything still by the end of the day.... everything is in vain. Husband says...What you did for home? I will never ever give my money to you and so on. I am literally in trouble thoughts, what to do ? I even many times thought to end my life but my kids are the reason I continuously bears everything. Please suggest what shall I do.
Ans: it's important to acknowledge that no one deserves to be treated with such disrespect and abuse. Your feelings of isolation and frustration are valid. It can feel overwhelming when the people who should support you instead make you feel like an outsider.

In situations like this, it’s crucial to find support outside the immediate family. Reach out to trusted friends, family members, or support groups who can offer you emotional strength and practical advice. Consider speaking with a counselor or therapist who can help you navigate these complex emotions and provide strategies for dealing with the abuse and stress.

You’ve shown immense resilience, especially for your children. They need you to be strong, and seeking help is a vital step in preserving your mental and emotional well-being. Remember, prioritizing your health is not selfish; it’s necessary for you and your children’s future.

Also, explore any legal avenues or resources available for individuals in abusive relationships. Local support organizations, legal aid, or women’s shelters can provide advice and assistance if you decide that leaving the relationship is the best option for your safety and well-being.

You have already shown great courage by managing so much on your own. Continue to seek out support and know that you are not alone in this journey. There are people and resources willing to help you find a path to a healthier and more secure life.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Relationship
Hello Mentors, I'm 38 year old women, facing a toxic married life from past 10 years. I have a son who is 8 years old. I have lost my mom 8 years back n my dad 5 years back.I m d only child of my parents. I have done my MBA in HR n Marketing. Have done work before marriage, but after marriage things changes, my husband refused to allow me to work along with my in laws n he always behaves very badly with me insults me all time in front of my in laws too. He beats me every month still now also.I lost my mom she was suffering from cancer. Her cancer got detected when I was just 1 month pregnant, i m d one who takes care of her treatment taking her to chemo therapy n follow up with doctor, yes my dad was their with me, but he was also broke down as my mom was d back bone of my family. Inspite of my pregnancy I ran door to door of hospitals n doctors till I was stepped into 9 month of my pregnancy. My husband never supported me at that time too..Infact he n my mother in law's stated that if I'm enough for taking care of my mom then I must go to my doctor for my own check ups too...Yes I went for my usgs alone only at first time he went with me.. Now the main problem is he didn't changed at all he is repeating all his deeds infront of my child n my child is also following him from last 1 years, My son also said, if I scold him for his studies or food, he said what papa did is correct, it's good that he beats you, you leave our home this is not your home... My son loves me a lot that I know but he is just 8 n getting confused whom to follow...many a times he came to n said sorry for his bad behaviour but again if such incidents happens in front of him by his father again he changes his mind . My husband didn't give me a single penny, I take care of my own expenses from my house rent..( parental home as their is no one to stay now)..n it's d only source of income..though it's a very small amount.Even though he never helps me to take care of my baby ..He said if you want to work then put ur child into a hostel.. I took care of my home n child all alone..infact my in-laws are less bother about my child too... My son is deprived with every relationship of grand parents uncles n aunts.. My husband always demotivates me, mentally n physically abuse me n he also states that I'm an not an eligible person to became a good mom or even to get any job n all this infront of my child. I really want to get rid of him for d sake of my child n me too..I m totally into depression n lost all my confidence, I want to be financially free, when ever I want to file a divorce my son said no as he want both of us..for him only m dragging this bull shit relationship... N side by I'm looking for a job, but I have a big gap of almost 11 years now...M confused where to approach..n what should I tell to the employers if they ask for my career gap .m looking for a WFH as I dnt have any trust worthy person to take care of my baby...But m failed to find such. Please suggest me what should I do, how to take call on each of my problems.. I know d post is long...10 years is not a short time though..there is many many more to tell but I tried to keep it Short as much as i can . Thanks a lot ...
Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Asked by Anonymous - Feb 16, 2025
Relationship
Dear Anu, Am Shilpa,36 years old.Got married to a friend in 2015.It was a love come arranged.Initially married life was going smooth.I was working before marriage and due to marriage and relocation , discontinued the job. After marriage i started new job even though my husband was against it.Some misunderstanding started between us slowly and most of the adjustments were done by me to avoid fights.After 2 years we were blessed with a baby boy and i had to reluctantly and was also forced to quit job to take care of our kid.And i agreed and things went smoothly again for 3 more years.I got busy with my motherhood. I felt my husband was happy and was changing for the happy family. But i was wrong, he had a physical relationship with his ex college friend. They used to have sex in hotels. They even had sex chats and used to share nude pictures . This broke my heart completely and was disturbed mentally. I wanted to enquire my husband with all the proofs in my hand.without the proof he would prove me mentally retarded women. Initially he asaulted and abused me for blaming on him.But when he knew abt the proofs, he accepted and apologised for his mistake and begged me not to take divorce only for the sake of our son.Even i dropped the idea of divorce thinking the future of our son.Later few months he acted as if he changed himself completely but he always had disrespect on me and my parents. I even suffered domestic violence once which shattered me into pieces. Even then he apologised me and forced me to drop the idea of divorce. I again started to adjust and compromise with my life only because of my kid and his good future as all elders advice. This adjustments continued for few more months.But once i saw his ex girlfriend calls and daughter pics in his mobile, i was again mentally disturbed and after thinking many times, i made up my mind and left him without explanning him . I packed all my luggage and came to my parents with my kid. Now i got a job in which i opted work from home so that i can concentrate on my kid and support myself financially. Am trying to move on but my true love towards him is making it difficult. Please advice me on this Anu mam. The step which i took is right ? After seperation he is harassing me to visit son and kidnapped him 2 times. I really don't want to share my son with him.Please advice what should I do.
Ans: Dear Shilpa,
You have done what you needed to in order to protect your child and your sanity. Your husband could never get over his affair and he possibly won't. He maybe never even tried...

I firmly suggest you go to the cops so that he does not try to take the child away...Also, have you thought about a legal separation? That will offer you and your child enough protection and it will stop his harassment. This is not an easy decision to make BUT what choice is he leaving you with? Kidnapping the child? If by kidnapping you mean that he takes away the child without informing you, please watch out and contact a lawyer. A BIG BIG RED FLAG...Act soon...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ramalingam

Ramalingam Kalirajan  |9573 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
So my networth is like 45cr but most of it almost 42cr are in real estate alone only 3cr are invested (liquid assets) and my monthly invome is 5-6 lakhs. I want to buy the mercedes eqb which costs around 80 lakhs so can i afford it?
Ans: Current Financial Strength

You have a net worth of Rs.45 crore.
Out of this, Rs.42 crore is in real estate.
Your liquid investments are only around Rs.3 crore.
Your monthly income is Rs.5–6 lakhs.
You are considering buying a car worth Rs.80 lakhs.

This gives us a good snapshot. Now, let us analyse further.

Real Estate Dominance in Portfolio

Over 90% of your wealth is in real estate.
This creates concentration risk.
Real estate is illiquid.
It cannot be sold quickly in emergencies.
Selling takes time, cost and negotiation.
Price discovery is also inconsistent.

It also lacks passive cashflow unless rented.
Maintenance cost, tax, and legal issues arise often.
This limits your flexibility to act on new opportunities.

So, while your net worth is high, most of it is not quickly usable.

Liquidity Analysis

Your investable assets are only Rs.3 crore.
This is your true financial flexibility.
Liquid investments can be easily accessed or rebalanced.
They provide freedom to act without pressure.

If Rs.80 lakhs is used for a car, Rs.2.2 crore is left.
That’s a reduction of more than 25% of your liquid corpus.

This needs serious thinking.

Income vs Lifestyle Costs

Monthly income is Rs.5–6 lakhs.
Annual income comes to around Rs.60–72 lakhs.
Buying an Rs.80 lakh car exceeds one year of income.

That’s a major financial outflow.

Luxury cars also have high maintenance costs.
Battery replacements for EVs are costly.
Insurance is higher for luxury models.
Road tax and registration alone will be several lakhs.

So, the car cost doesn’t end at Rs.80 lakh.
There are hidden and recurring costs too.

Should You Use Your Liquid Investments?

Using Rs.80 lakh from Rs.3 crore is unwise.
That reduces your emergency cushion.
It restricts future investment opportunities.

As a Certified Financial Planner, I suggest:

-- Don't disturb core liquidity for lifestyle assets
-- Liquid assets should serve emergencies and goals
-- Avoid asset depletion for depreciation-based items

How to Think About Luxury Car Purchase

Let us look at this from different angles:

Can you afford it technically?
Yes, if we go by net worth and income, you can.

Should you afford it now?
No, if it reduces your liquidity significantly.

Is it ideal to spend this way now?
No, not until you rebalance your portfolio first.

Better Financial Planning Approach

Before spending Rs.80 lakhs, consider these steps:

-- Rebalance your overall asset allocation
-- Reduce your real estate exposure gradually
-- Build a diversified mutual fund portfolio
-- Keep a strong emergency fund intact

Only then, allocate for aspirational spending like luxury cars.

Build a 360° Financial Plan First

-- Review and assess all insurance policies you hold
-- If you own ULIPs or traditional LIC policies, surrender them
-- Reinvest the proceeds in mutual funds via a CFP channel
-- Build separate goals-based portfolios
-- Maintain a buffer for retirement, family, and healthcare
-- Plan for tax-efficient withdrawals in future
-- Set aside a lifestyle upgrade fund

Then, if your lifestyle fund permits Rs.80 lakh, go ahead.

Disadvantages of Index Funds

If you’re considering index funds to build liquidity:

Index funds lack active risk management.
They follow the market blindly.
They do not beat the market, only mimic it.
In falling markets, they fall just as much.
You miss the chance to protect downside.
No flexibility to change strategy in tough times.
Sectoral risks are not filtered or controlled.

On the other hand:

Actively managed mutual funds bring expertise
Fund managers adapt based on market cycles
There is strategy, research, and flexibility
Long-term wealth creation is more disciplined

Always invest via Certified Financial Planner through regular plans.

Disadvantages of Direct Plans

If you’re thinking about investing in direct plans:

Direct plans may seem cheaper, but they lack support
You lose out on guidance and customised planning
You may over-diversify or under-allocate
Monitoring and rebalancing becomes your burden
Tax planning can be ignored unknowingly
Goal tracking becomes inconsistent
Emotional decisions may override logic

On the other hand, investing via MFD + CFP channel:
-- You get 360° advice
-- Holistic goal mapping
-- Portfolio reviews and rebalancing
-- Timely switches and corrections
-- Behavioural coaching to stay disciplined

Regular plans through CFP-guided MFDs are smarter long-term options.

Luxury Purchase and Depreciation

Cars are depreciating assets.
The moment it leaves the showroom, value drops 15–20%.
After 5 years, value drops over 50%.
There is zero resale appreciation.
This is different from an investment.

You must not fund a depreciating item by reducing appreciating investments.

Car Loan Option Evaluation

If you consider using a car loan:

Loan EMI for Rs.80 lakhs will be around Rs.1–1.2 lakh monthly
That is 20% of your income
Add insurance, fuel, service, etc.
Total monthly cost may touch Rs.1.5 lakh
That’s 25–30% of income. Very steep.

Loan EMI reduces your savings capacity.
It adds pressure during market downturns or income dips.

Avoid loans for lifestyle purchases.

Tax Efficiency Concerns

If you redeem mutual funds to buy the car:

Check if gains are long-term or short-term
LTCG above Rs.1.25 lakh is taxed at 12.5%
STCG is taxed at 20%
Add surcharge and cess as applicable

So, you may lose additional lakhs to tax.
This is another reason to preserve investments.

Recommendation: Defer or Rethink Purchase

Right now, buying the Mercedes EQB is not ideal.
It will reduce your liquidity and disturb your asset mix.
Focus on balancing your portfolio first.
Increase mutual fund investments through a CFP.
Allocate for lifestyle only from surplus gains.

This way, you buy luxury, but not at the cost of your future.

Final Insights

Your net worth is high, but flexibility is low.
Don’t equate wealth with free spending.
First, make your money truly work for you.
Build liquidity, not just asset value.
Let investments grow and generate more passive income.
Only then use part of surplus for luxury items.
Delayed gratification brings more financial security.

You are on a strong base. Let us make it even stronger.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |9573 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
I am a middle level manager-about to be laid off. Current monthly take home 3.2 lacs. Pending home loan 37 lacs. Retirement corpus 1.2 Cr, Share 15 lacs, eNPS 10, MF 8 lacs SIP 35K. One daughter Higher edu budget 20 lacs after 1 year. If not getting job for next 6 months to 1 year how do I plan?
Ans: Your financial snapshot gives a good base to work with.
Let’s approach it from every angle now.

You are a middle-level manager, earning Rs 3.2 lakh per month.
You expect a job loss soon.
You have a Rs 37 lakh home loan.
Retirement corpus is Rs 1.2 crore.
You have Rs 15 lakh in shares.
eNPS is Rs 10 lakh.
Mutual funds are Rs 8 lakh.
You invest Rs 35,000 monthly through SIP.
Your daughter needs Rs 20 lakh for education in a year.

Your main concern is:

How to survive job loss for next 6–12 months?
How to manage home loan, SIPs and daughter’s education?

Let us now give a 360-degree plan with clear next steps.

Immediate Focus: Build 12-Month Survival Strategy
You must now protect your cash flow.
First priority is keeping household running smoothly.
Second priority is ensuring daughter’s education happens.
Third priority is avoiding damage to retirement plan.

Let us first divide your total resources.

Current Asset and Liability Overview
Home loan outstanding – Rs 37 lakh
Retirement fund – Rs 1.2 crore (locked till 60)
Shares – Rs 15 lakh (liquid but volatile)
eNPS – Rs 10 lakh (not for short term)
Mutual funds – Rs 8 lakh (liquid)
SIP – Rs 35,000 monthly (can be adjusted)
Daughter’s education – Rs 20 lakh needed in 12 months

You need to arrange about Rs 20–25 lakh for next one year.
This includes home EMI, household needs and daughter’s education.
We now plan how to get this.

Step 1: Cut All Unnecessary Outflows Now
You must preserve cash now.
Start by stopping or reducing outflows that can wait.

Reduce SIPs temporarily.
Stop all luxury or lifestyle spending.
Avoid any new insurance or policy.
Delay house upgrades, travel or vehicle buying.
Postpone gold or gift purchases.

This will give breathing space to your budget.
Focus only on basic monthly expenses.

Step 2: Pause or Reduce SIPs Strategically
Rs 35,000 SIP is useful long-term.
But in this 6–12 month period, reduce it wisely.

Don’t stop completely.
Reduce to Rs 5,000–10,000 max.
Pause small-cap and thematic funds first.
Continue balanced or hybrid SIPs if possible.
Once income resumes, restart SIPs gradually.

Don’t feel guilty about reducing SIPs.
This is a survival phase, not a growth phase.

Step 3: Secure Emergency Fund from Liquid Assets
You have Rs 8 lakh in mutual funds.
Also Rs 15 lakh in direct equity shares.
Use this to create an emergency fund.

Set aside Rs 10–12 lakh now
Keep it in low-duration debt mutual fund
Or in liquid FD with break option
Use this money for next 6–12 months if needed

Do not depend on eNPS or retirement corpus.
That is not meant for short-term use.

This buffer gives you mental peace during job hunt.

Step 4: Plan for Daughter’s Education Cost (Rs 20 lakh)
This is your biggest near-term goal.
You have one year to arrange this money.

Allocate Rs 5–7 lakh from shares, carefully
Keep Rs 10–12 lakh in short-term debt mutual fund
Use rest from matured FDs, if any
If you still fall short, use education loan as backup
But avoid dipping into retirement funds

Please don’t take personal loan for this.
Education loan is better structured and gives tax benefit.

Also, discuss with your daughter openly.
Involve her in course and college cost discussions.
Try to reduce burden without compromising on quality.

Step 5: Manage Home Loan EMI Smartly
EMI is your biggest fixed expense now.
Assume Rs 30,000–40,000 EMI per month.

If surplus exists, pay only interest part for 6 months
Speak to lender about restructuring EMI temporarily
Ask for moratorium or tenure extension
Use liquid MF or shares to pay EMI if needed
Avoid default at all costs—it hits credit score

Don’t panic about home loan.
Banks support genuine borrowers facing job loss.

Step 6: Avoid Direct Shares for Monthly Needs
You hold Rs 15 lakh in stocks.
Don’t depend on it fully for expenses.
Stock market can fall anytime.

Use this only when:

Market is stable
You need to fund education
Liquid MF is already exhausted

Also, book profits from over-performing stocks now.
Shift some money to hybrid funds or debt funds.

Step 7: Don’t Touch Retirement Corpus
Your Rs 1.2 crore is your old-age fund.
Do not use this for current needs.

Avoid PF withdrawal unless critical
Don’t shift this into high-risk options
Keep this untouched for now
Protect this like your lifeline

This will support you from age 60 onward.
Preserving this ensures your future security.

Step 8: Don’t Rely on Index Funds or Direct Plans Now
If your SIPs are in index funds, please stop them.
They offer no protection in market crashes.
You need funds with downside protection.

If SIPs are direct mutual funds:

No expert advice during market panic
No one to guide you on which fund to redeem
No help in switching or rebalancing
No planning for daughter’s goal or tax

Instead, use regular mutual funds through MFD backed by CFP.
They offer personalised reviews and guidance.
They help you navigate this tough time with clarity.

Step 9: Keep Family and Spouse Informed
Speak to your spouse now.
List all expenses, EMIs, assets together.

Discuss budget cuts jointly
Share your job search plan
Involve her in goal planning
Plan medical and child-related spending together

This will build emotional support and avoid confusion later.

Step 10: Medical and Term Insurance Review
You are in transition. Don’t lose your protection.

Check if company insurance will end
Buy a family health cover separately
Take term insurance if not already taken
Don’t buy investment-cum-insurance policies now
Avoid ULIPs or endowments

Insurance must be pure and separate from investments.
Health shocks during job gap can ruin the plan.

Step 11: Create an Income Action Plan
You can’t sit idle for 6–12 months.
Start creating a new income source.

Update resume and LinkedIn today
Tap ex-colleagues, clients, hiring firms
Accept freelance or consulting assignments
Take certification or upskilling in your field
Cut ego—focus on earning something for family

Any small income now reduces pressure on savings.
Aim to bounce back stronger, even if salary is less initially.

Step 12: Meet a Certified Financial Planner Now
Your case needs structured planning.
You have multiple moving parts:

Child education
Job loss phase
Loan management
SIP and goal reallocation
Emergency liquidity
Retirement safety

A Certified Financial Planner will:

Create year-wise drawdown plan
Monitor your funds and cash flow
Guide SIP reduction and restarts
Help with taxation and rebalancing

Don't try to manage this alone.
Get expert help for peace of mind.

Finally
This is a critical period.
But with calm and planning, you will be safe.
Protect your present first.
Don’t sacrifice your daughter’s education.
Don’t damage your retirement base.
Avoid emotional decisions.
Make structured financial moves.

Once you’re back in job or income stream, rebuild slowly.
Start SIPs again.
Top up your buffer fund.
And plan future goals with a professional.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9573 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Money
Hi Sir, I'm 30 year's old, I'm planning to invest 10k per month for my 3 months baby boy future education and and for my retirement,currently investigating 6K per month in MF, PARAG PRATIK FLEXI CAP FUND 2.5k and UTI NIFTY NEXT 50 INDEX FUND 1K, NIPPON INDIA SMALL CAP FUND 2K and also in SBI Gold ETF Rs 500, kindly provide diversified investment plan for remaining 4k, and suggest me any changes required in existing investment.
Ans: Thank you for sharing your investment details clearly.

You are 30 years old.
You are investing Rs 10,000 per month.
Your goal is your child’s education and your retirement.
Currently, you invest Rs 6,000 per month in mutual funds and ETFs.
You also invest Rs 500 in a gold ETF.
You want to allocate the remaining Rs 4,000 in a better way.
Let’s now study your present plan and give a 360-degree improvement.

Review of Your Existing Investment
You are currently investing in:

Parag Parikh Flexi Cap Fund – Rs 2,500
UTI Nifty Next 50 Index Fund – Rs 1,000
Nippon India Small Cap Fund – Rs 2,000
SBI Gold ETF – Rs 500

Let’s evaluate each.

Issues in Current Investment
Index Fund Problem (UTI Nifty Next 50):
This is an index fund. It copies the market blindly.
It gives no protection when the market falls.
There is no fund manager strategy involved.
It may look simple but lacks downside control.
Better to switch to an actively managed fund.

Direct Investment Weakness:
If you are investing in direct plans, that’s risky.
You don’t get expert advice during market changes.
You miss out on portfolio reviews.
Direct funds are only for experienced investors.
Better to invest through a MFD supported by a CFP.

Too Much in Small Cap (Nippon Small Cap – Rs 2,000):
Small caps are volatile. They give high returns but are risky.
Overexposure can disturb your long-term goal.
Keep small cap under 15% of total SIP amount.

Gold ETF – Rs 500:
It is okay to hold 5–10% gold.
But gold ETF is not tax efficient.
No regular income or compounding benefit.
You may hold gold, but don’t increase allocation.

Suggested Diversified Allocation (Rs 10,000 Total SIP)
Let’s now give a clean, diversified structure.

New Suggested Monthly SIP Plan:

Flexi Cap Fund (existing) – Rs 2,500
Balanced Advantage Fund – Rs 2,500
Large & Mid Cap Fund – Rs 2,000
Small Cap Fund (existing) – Rs 1,500
Gold Savings Fund – Rs 500
Multi Asset Fund – Rs 1,000

Let’s explain why this mix works well.

Why These Funds Make Sense for You
Flexi Cap Fund:
Already part of your portfolio.
It gives long-term capital growth.
Fund manager adjusts equity exposure as per market.
Good for retirement and child's education.

Balanced Advantage Fund:
Acts like shock absorber in your portfolio.
Switches between equity and debt smartly.
Gives stability during market fall.
Ideal for new investors.

Large & Mid Cap Fund:
Provides strong growth with moderate risk.
Invests in top companies across sectors.
Helps balance your small cap exposure.

Small Cap Fund:
You already have one.
We suggest you reduce to Rs 1,500 monthly.
Still gives growth, but risk is managed.

Gold Savings Fund:
Continue with Rs 500 monthly.
Gold protects against inflation.
Also useful for long-term diversification.
Don’t exceed 5–10% of overall SIP.

Multi Asset Fund:
Combines equity, debt, and gold in one fund.
Balances risk in different market cycles.
Gives smooth returns over 10+ years.

Important Notes for Your Plan
Split Your Goals Clearly:
Allocate Rs 5,000 monthly for child’s education.
Allocate Rs 5,000 monthly for retirement.
Keep goals separate.
Don’t mix children’s goals with your retirement.

Avoid Index Funds Now:
You are still early in investment journey.
Index funds have no safety in crashes.
Actively managed funds do better in volatile times.

Avoid Direct Funds:
You may miss fund switch or rebalancing need.
Use a MFD backed by a Certified Financial Planner.
They will give yearly reviews and goal tracking.
Even if cost is slightly more, support is worth it.

Don't Increase Gold SIP Now:
Rs 500 is enough in gold.
Focus more on equity and hybrid funds.
Gold gives safety, but not wealth creation.

Future Steps After One Year
After 12 months, you should:

Review performance of all SIPs
Check if income has increased
Increase SIP by 10–15% yearly
Start separate child education fund via goal-based SIP
Keep emergency fund of 6 months expenses
Get health insurance and term insurance if not done

Common Mistakes to Avoid
Don’t stop SIP during market fall
Don’t overinvest in small cap for fast returns
Don’t invest based on YouTube videos or news tips
Don’t forget to link goals to your SIPs
Don’t buy insurance for investment purpose

If you have ULIP or LIC policy with savings, consider surrender.
Reinvest in mutual funds for better growth.

Finally
You have started early, which is excellent.
Your goals are long-term and realistic.
Now you need structure and discipline.

Use regular, guided mutual funds.
Avoid index and direct plans.
Keep reviewing with a professional yearly.

With Rs 10,000 monthly, invested wisely,
your child’s education and your retirement will be well covered.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |8413 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
Sir, I got 77%ile in JEE CRL-337105 and 90% in class 12th from DBSE(delhi state board).And I belong to OBC-Ncl category , I am resident of delhi so prefer college in delhi. Pls tell college with CSE as per my results. Due to financial constraint and less intrest in PCM what will be beneficial for me to do BCA with open university or regular . And what will be the future career impact of this choosing BCA over Btech.
Ans: Aman, With a 90% score in Delhi Board Class 12 and a 77th percentile in JEE Main (CRL-337105) under OBC-NCL, confirmed admission to BCA is available at these Delhi institutes, each offering accredited curricula, dedicated computer labs, experienced faculty, robust placement support (60–80% over three years) and strong industry linkages:

Guru Gobind Singh Indraprastha University, Sector 16C Dwarka, Delhi.
Maharaja Surajmal Institute, Rohini, Delhi.
Jagannath Institute of Management Studies, Rohini, Delhi.
JIMS Vasant Kunj, Vasant Kunj, Delhi.
JIMS Technical Campus, Kalkaji, Delhi.
Chanderprabhu Jain College of Higher Studies, Najafgarh Road, Delhi.
Jagannath International Management School, Vasant Kunj, Delhi.
Institute of Information Technology & Management, Janakpuri, Delhi.
Vivekananda Institute of Professional Studies, Janakpuri, Delhi.
Jagan Institute of Professional Studies, Rohini, Delhi.

Recommendation: Pursue BCA at GGSIPU Dwarka for its direct university affiliation, comprehensive IT infrastructure and high placement momentum. As an alternative, choose Maharaja Surajmal Institute, Rohini for its strong industry tie-ups, consistent campus-driven internships and supportive scholarship options. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9573 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Money
Hi I am 33 years old have a kid 2 year old. Me and my brother are in the same business. Its a seasonal business of stoles and kurtis. We mostly do job work. Turnover is around 1.25Cr and emis are 1.5L per month. We both arent able to save any money. We are always broke. If we check on paper we are making prifit but we dont where the money is going. Been doing business for 10 years now. Things were smooth till covid but after that its been downhill. I have orders. But no return. What should I do?
Ans: Running a family business with seasonal income is tough.
You’re 33, have a 2-year-old child, and handle business with your brother.
Turnover is Rs 1.25 crore yearly, but you’re still struggling with cash.
EMIs are Rs 1.5 lakh monthly, but you feel broke every month.
Though you’re making profit on paper, there’s no visible cash return.

This is a common problem in many small businesses.
Let’s now understand and restructure it with a 360-degree approach.

Know the Real Problem First
Your business shows profit but no cash.
This is a cash flow issue, not just profit issue.

Possible reasons:

Customers not paying on time

Too much money stuck in inventory

High credit to customers

Low margin despite high turnover

High fixed costs and personal withdrawals

EMI outflows not synced with income

You need to separate profit from cash flow.
And build control over every rupee.

First Fix: Separate Personal and Business Money
You and your brother must stop mixing accounts.

Have separate bank accounts

One for business, one for personal

Pay yourself a fixed salary monthly

Avoid direct personal spending from business

This step brings clarity.
You’ll see clearly how much money the business truly keeps.

Second Fix: Create a Business Budget
Don’t run operations without numbers.

List fixed monthly expenses: rent, salaries, EMI, utilities

Mark out seasonal expenses like fabric or transport

Track peak and lean months

Allocate money month by month

Break your Rs 1.25 crore into monthly inflow plan

This helps avoid surprises.
Also helps plan purchase and credit well.

Understand Where the Money Is Going
Do a 12-month cash flow audit.

You’ll see:

Where cash comes in

Where it goes out

How much is stuck in stocks

How much is with customers

What EMIs or interest is eating your profit

Most likely, your profit is going into inventory and credit.

Set Strict Customer Payment Rules
In seasonal business, timely customer payments matter most.

Don’t give credit without timeline

Offer small discounts for early payments

Keep payment follow-up strict and regular

Use digital tools to track pending invoices

If customers pay late, your entire cycle collapses.
Your money is in their hands, not yours.

Review Your EMI and Loan Structure
Rs 1.5 lakh monthly EMI is very heavy.
Ask these questions:

Can you refinance to longer term?

Can you get working capital loan instead?

Are you using EMI money for capital asset or daily expense?

Are you servicing loans from personal savings?

Many times, business loans taken emotionally create long-term stress.
Structure them clearly with a planner.

Inventory Is Silent Enemy
Clothes, fabrics, stoles, and kurtis pile up fast.

Too much stock locks up cash

You see profits in books, but cash is stuck in goods

Unsold stock hurts margins

Do an inventory health check:

What sells fast?

What sits for months?

Which items give real profit?

What designs are dead stock?

Don’t buy new stock unless old one sells.
Work on a lean inventory model.
Move from stock-based to order-based model if possible.

Take Salary Like an Employee
You and your brother must draw regular salary.

Fix monthly salary for each

It brings discipline and fairness

Avoids emotional withdrawals

Ensures business pays you—not drains you

Any bonus or profit should be once a year. Not random.

Cut Personal Lifestyle Leakage
If personal expenses are high, business suffers.

List all personal outflows

Reduce wasteful lifestyle habits

Live like a salaried person

Don’t increase lifestyle when sales go up

Also avoid using business credit for personal gadgets, trips, or loans.

Work on Increasing Margins, Not Just Sales
Turnover is Rs 1.25 crore. That sounds big.
But if margins are thin, you get no benefit.

Focus on:

Higher margin products

Value-added work (like custom orders)

Bulk orders that pay upfront

Lowering costs through better suppliers

Don’t run after more orders blindly.
Run after profitable and paid orders only.

Introduce a Basic Accounting System
If not using one, adopt digital books.

Tally, Zoho Books, QuickBooks, or Marg software

Track income, expenses, stock, and customer dues

Reconcile bank accounts every month

Even better, hire a part-time bookkeeper.
Let numbers guide you—not gut feeling.

Create a Business Emergency Fund
Businesses also need a buffer. Like personal savings.

Try to build Rs 3–5 lakh in business reserve

It should sit in separate account

Don’t touch it for stock or expenses

Use only in real emergency

This gives peace and protects business during slow months.

Engage with a Certified Financial Planner
You’re in business.
But personal finances matter too.

A Certified Financial Planner helps with salary planning

Helps set up your SIPs, retirement, kid’s education fund

Can also structure loans better

Gives you a business-personal plan

Your future needs a balance between business and personal wealth.

Don’t Use Index Funds or Direct Funds Now
If you’re thinking of investing:

Avoid index funds – no protection during crash

Avoid direct mutual funds – no advisor support

You’re already busy with business

You need a regular plan via a CFP-backed MFD

That brings discipline and guidance

Right now, clearing business mess is priority.
Then start small SIPs through professional support.

Simple Steps to Start From This Week
Open separate business and personal accounts

Track all money in and out for next 30 days

Speak to CA about EMI or loan restructuring

Do stock check – list what’s moving, what’s not

Start Rs 5,000 monthly SIP with planner, if possible

Fix personal salary for both you and brother

Build Rs 1 lakh cash reserve in 6 months

Start with action. Not emotion.

Finally
You’re not alone. Many small business owners are in the same trap.
You’ve been working for 10 years. That shows strength.
Now it’s time to bring structure. Discipline. Clarity.

With small changes and a monthly plan, things can improve.

Remember: turnover means nothing without cash in hand.
Run your business with control. Live your personal life with goals.
Keep them separate. And give your family a future of freedom.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |8413 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
Is MIT Mechatronics (Manipal Campus) a Good Option to OPT for ? What are the Future carrer prospects for Mechatronics Engineers in India ? Job Opportunities, Salary Packages ? Please share your views
Ans: Raj, MIT Manipal (Manipal, Karnataka) offers a four-year B.Tech in Mechatronics Engineering through its Department of Mechatronics, backed by NBA accreditation, PhD-qualified faculty and industrial-grade labs for robotics, sensors, drives, PLCs and AI/ML. Placements have ranged from 60 – 70% over the past three years, with an average package of ?11.76 LPA. Graduates enter diverse roles—mechatronics technician, robotics engineer, automation engineer, instrumentation and control systems engineer or computer systems analyst—across manufacturing, automotive, aerospace, healthcare and consumer-electronics sectors. Entry-level salaries typically start at ?4–6 LPA, rising to ?7–11 LPA in mid-career and ?12–20 LPA at senior levels, with cities like Bengaluru, Pune and Mumbai offering premium packages. Strong demand stems from Industry 4.0, smart-factory automation, UAVs, medical robotics and autonomous vehicles, with over 4 000 openings on LinkedIn in India.

Recommendation: Opt for MIT Manipal Mechatronics for its robust industry-grade infrastructure, solid placement momentum, and versatile cross-disciplinary curriculum to launch a dynamic engineering career. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8413 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
Dear sir want to know about jaypee noida sec 62 branch for ee vlsi. How is this branch? And what are the possibilities of career opportunities. I also have another offer from bml munjal, cse. What should I prefer?
Ans: Ritu, Jaypee Institute of Information Technology in Noida offers a specialized B.Tech in Electronics Engineering (VLSI Design and Technology) with a cohort of 60 students, guided by PhD-qualified faculty in AICTE-approved, NIRF-ranked labs—including dedicated VLSI fabrication and characterization facilities with RF sputtering and IV/CV testing tools. Over the past three years it has averaged an 8.71 LPA package and branch-aligned placements within a 93% overall placement drive with recruiters like Cadence, Intel and STMicroelectronics. Roles include IC design engineer, verification engineer and semiconductor test engineer. BML Munjal University in Gurugram provides B.Tech CSE with AICTE and NAAC accreditation, modern IoT, digital and Hero training labs, industry-integrated curriculum and a dedicated placement cell achieving an 87% placement rate, sending graduates to Deloitte, Google, Samsung and Amazon in software development, data engineering and product management roles. Its project-based pedagogy and internships bolster coding culture and startup incubation.

Recommendation: Prefer Jaypee Noida EE VLSI for niche semiconductor design pathways, research-grade labs and PSU/tech-EC recruitment guarantees. Choose BML Munjal CSE if you seek broader software career trajectories, stronger coding culture, versatile AI/ML training and high campus-drive consistency in premier tech firms. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8413 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Asked by Anonymous - Jul 10, 2025Hindi
Career
Sir my son goy 99.5313%ile in mht-cet which top colleges he would get in obc category for persuing cs course?
Ans: College of Engineering Pune in Shivaji Nagar, Pune offers CSE under the OBC category with a 99.87 percentile cutoff in MHT-CET, backed by NBA accreditation, modern AI/ML labs and a 90–95% placement record. Veermata Jijabai Technological Institute in Matunga, Mumbai requires a 99.77 OBC percentile for CSE and provides state-of-the-art computing facilities, industry partnerships and ~90% placements. Pune Institute of Computer Technology in Dhankawadi, Pune closes CSE OBC at 99.56–99.63 percentile, featuring specialized software engineering centres and 85–90% placements. Pimpri Chinchwad College of Engineering, Akurdi, Pune admits OBC CSE at ~99.5 percentile, offering extensive corporate tie-ups and 80–85% placement rates. D.Y. Patil College of Engineering in Pimpri, Pune secures OBC CSE seats around 99.4 percentile, with Oracle-backed labs and 85% placements. Vishwakarma Institute of Technology in Bibwewadi, Pune closes OBC CSE at ~99.3 percentile, maintaining strong research collaborations and 88% placements. MIT World Peace University in Kothrud, Pune admits OBC CSE at ~99.2 percentile, providing AI research labs and 80% placements. AISSMS Institute of Information Technology in Shivajinagar, Pune requires ~99.1 OBC percentile for CSE, featuring high-end computing clusters and 82% placements. Sinhgad College of Engineering in Vadgaon, Pune admits OBC CSE at ~99.0 percentile, backed by robust placement support (~80%). PVG’s College of Engineering & Technology in Pune closes OBC CSE at ~98.9 percentile, offering modern software labs and 78% placements.

recommendation: Prioritise College of Engineering Pune for its premier infrastructure, highest OBC cutoff and superior placement momentum. Next, choose VJTI Matunga for its established industry linkages and consistent recruitments. Then opt for Pune Institute of Computer Technology for its specialized CSE curriculum and robust placement record. All the BEST for Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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