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Missing Money: Should I Suspect My Uncle's Son?

Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 14, 2025

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
Sanjay Question by Sanjay on Mar 12, 2025Hindi
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Relationship

Hello Madam, Request your guidance on query on behalf of my friend - On 2-3 occassions money has been stolen from friend's wallet, he has doubt on his uncle's son staying in their house but not sure...please advise !!

Ans: Dear Sanjay,
What would you do if something like this happened in your house? Suggest the same to your friend.
But also, before accusing or doubting someone, please make sure that your friend has not misplaced the money.

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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Kanchan

Kanchan Rai  |619 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 07, 2024

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Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she taking undue advantage from my son and feels untrustworthy....plz advice
Ans: Dear Srinivas,
While it's important to address the concerns within the family, it's also crucial to respect the individual choices and relationships of your adult son. Striking a balance between expressing concerns and allowing autonomy can be challenging but is essential for maintaining a healthy family dynamic Offer support to your son while guiding him about responsible financial decisions. Help him understand the potential consequences of being a guarantor and lending money Seek to understand the dynamics of your son's relationship with the girl. It's essential to know whether they have a stable and healthy relationship or if there are any red flags. Consider having a conversation with the girl to understand her intentions and reasons for involving your son in her financial matters.Keep the conversation respectful and non-confrontational to foster open communication Establish clear boundaries about financial involvement in relationships. Encourage your son to communicate with the family before making significant financial commitments.

..Read more

Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 12, 2024

Asked by Anonymous - Jan 08, 2024Hindi
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Relationship
Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot have any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she is taking undue advantage from my son and feels untrustworthy....We have clarified to my son that in such a scenario you have to choose her or us leaving behind everything including the ancestral property. His girlfriend is not accepting him this and told him that she will accept him only if our family members accepts her. This has chaos in our calm and cool nature of our home as our son is throwing the tantrums everyday and disturbing the mental peace of every member of our family. Please advice us what can be done in this scenario as none of our family members are willing to accept her and also not wanting to part away my only son. Thanking you
Ans: Dear Anonymous,
Either your family sees her as someone who wants family approval and be happy with it OR you can doubt her as someone who has managed to cheat your son.
Which of it is true, only time will tell...Your son is blinded by love...how can you appeal to him? What can you say that will make him realize that he possibly can be cheated?
One way is to invite her to your home and ask her to come out clean about these money dealings and why your son chose to keep this information away from his family...If you are all convinced about her honesty, it will be easier to accept her into the family; otherwise there is a possibility that your son maybe able to see through her lies...
So, whether she is the right person for your son or not will be better known when you warmly invite her over and without any judgements give her a chance...making sense?

All the best!

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

Asked by Anonymous - Apr 23, 2025
Money
Our estranged brother had taken away our mom's jewellery when she stayed with him for just 4 months. He also got papers signed by her to make himself nominee for her bank account where substantial amount is lying. We came to know of this after our mother's death. What legal action is possible?
Ans: You are going through a sensitive issue. Losing a parent is deeply painful. Facing a dispute with a sibling after that is more painful. I respect your courage in raising this matter. You are doing the right thing by exploring a legal route.

Let me guide you clearly and fully.

This answer will focus on:

Legal meaning of nomination

Jewellery taken away without consent

Rights of other legal heirs

Steps to claim rightful share

Documents and proof needed

Role of the bank in nominee disputes

Steps if the jewellery was misappropriated

What not to do during the legal process

How to act as a united family (if possible)

Role of Certified Financial Planner in family money

Final insights for long-term peace

Legal Meaning of Nomination:

Nominee is not the owner of the asset

Nominee is only a trustee of the money or asset

He must distribute it to legal heirs as per law

If there is no Will, all legal heirs get equal share

In your mother’s case, if there was no Will, all children are equal legal heirs

Nomination does not remove the rights of other heirs

So, even if your brother is nominee, he must share money

You can legally stop him from taking all funds

Banks often think nominee is full owner. But this is not correct by law

If challenged, nominee has to prove that the money belongs only to him

Otherwise, he must give others their rightful share

You can take legal action in civil court if needed

Jewellery Taken Without Family Consent:

Jewellery gifted to your mother is her self-acquired asset

If she carried jewellery with her during stay, that’s fine

But if your brother took it away forcefully or without sharing, that’s wrong

He must give it back or its value to all legal heirs

You can file police complaint if it was taken without consent

You can also file case for recovery in civil court

If he got mother’s signature by trick or pressure, that is invalid

Any property or jewellery taken by fraud can be recovered legally

You may need to show that others were not informed or consulted

This becomes stronger if other siblings support you

Statement from close relatives helps in such cases

Proofs like photos, bills, or locker details also help

Do not worry if you don’t have full documents. Legal process can still work

Your brother must prove he got it fairly. Not the other way around

Even if there was oral gift or Will, it must be valid under Indian law

Rights of Other Legal Heirs:

If your mother died without a Will, it is called “intestate death”

In such case, her children and spouse (if alive) are legal heirs

Each legal heir gets equal share in movable and immovable assets

Jewellery, money in bank, FDs and other valuables are all included

Nominee cannot claim 100% ownership unless proven by Will or gift deed

If you are 3 children, each gets one-third share

If there is father also alive, then all get equal share including him

You can file a case to divide the assets equally

No one has extra right unless mother gave it in writing properly

Steps to Claim Your Share:

Write to the bank asking not to release the money to nominee alone

Attach death certificate and legal heir certificate with the letter

If money is already released, ask for a copy of nomination form

File an application in civil court for partition and injunction

Ask court to freeze further movement of funds and assets

In court, ask for share in jewellery and bank balance

Share all available details of jewellery and assets

Court will call your brother to submit his reply

You must show you were unaware of the nomination and jewellery transfer

If he does not give satisfactory answer, court can order fair division

Legal heirs can also file a combined case if all agree

Documents and Proof Needed:

Death certificate of your mother

Legal heir certificate from Tehsildar or Municipality office

Identity proof of all legal heirs

Bank passbook copy of the account with nomination

Application form of nomination from bank (ask bank to share)

Statements, SMS records or any written exchange on jewellery

Bills or photos of the jewellery with mother if available

Affidavit from family members on ownership of jewellery

Any letter or note left by your mother regarding assets

Medical proof if your mother was not well during signing the nomination

All these documents support your case in court

Role of Bank in Nominee Disputes:

Banks follow nominee instructions as per form on record

They are not responsible to divide between heirs

But they must not release funds if legal heirs object before withdrawal

You can submit a stay request from civil court to block funds

Once bank is informed of the dispute, they must act neutral

They will not release full funds till matter is settled legally

If they release funds after dispute is known, you can hold them accountable

Try to communicate in writing and take stamped copies from bank

Steps if Jewellery Was Taken:

Try to collect basic proof of jewellery taken

Get statements from family or neighbours if needed

File a complaint with police if theft or misappropriation is suspected

Mention that she was under influence or pressure during that time

Police may ask your brother to explain his side

You can also go to civil court to demand value of jewellery

Court can ask him to return value or the items themselves

All legal heirs must sign this complaint jointly for faster results

What Not To Do:

Do not get into verbal fights or emotional threats

Do not block other heirs from attending rituals or family talks

Avoid public humiliation or WhatsApp group fights

Court looks at behaviour of both sides. Keep your calm

Let lawyer speak. You speak only with documents

Do not assume nominee becomes full owner – that is incorrect belief

Do not delay action – assets may be withdrawn or sold

How to Act as United Family (If Possible):

If other siblings support you, file a joint petition

Try talking to your brother before going to court

Explain that nominee is not sole owner by law

If he agrees, split wealth peacefully

If he does not, take legal action without delay

Family peace is always better than court, if possible

But if cheating is done, then court is the right option

Role of Certified Financial Planner in Family Assets:

CFP helps families keep joint asset records

CFP can guide on family wealth planning during life

CFP also advises on how nominations should be done properly

CFP ensures no confusion after death of any member

CFP can also guide heirs on division based on law

Certified Financial Planner is not just investment expert

He works with family goals, safety and legacy planning

Your family can benefit from one even after this legal case

Finally:

Your brother is nominee. That does not make him full owner

All legal heirs have equal rights if there is no Will

You must protect your family’s rightful share

Court can help divide bank money and jewellery fairly

Gather documents and file a legal claim

Try for family settlement, but prepare legally too

You are taking the right step by asking these questions

It is never too late to stand for fairness and truth

Family wealth must stay within all rightful members

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
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Hi, my son has secured an admission in a 2+2 BITS CSE program 2025 at Hyderabad (first 2 years) and Iowa state univ (for next 2 years). Under DASA he can potentially get AI at NITK or ECE at NIT Trichy or CSE in NITW (his CRL rank is 25200). Can you please advise and provide recommendations on what we can choose and reasons? We know 2+2 ISU program is more expensive compared to NIT DASA fees but is it worth the money vis-a-vis doing a B.Tech at NIT and doing a masters in US later? For this rank, what can he get at the said NITs under DASA?
Ans: The BITS Pilani–Iowa State University 2+2 CSE offers two years at BITS Hyderabad (ACM-aligned curriculum, NAAC A++ accreditation, state-of-the-art AI, data-science and cloud labs) followed by two years at Iowa State University (top-50 US engineering program, immersive B.S. in Computer Engineering, ISU merit scholarships up to US $4,500/year). Total direct tuition and campus fees for BITS Hyderabad amount to approximately ?10.5 L per year, while Iowa State tuition exceeds US $33,000 annually, plus living expenses. Graduates earn dual degrees with global brand recognition and typically secure near-100% placement through BITS’s 200+ recruiter network and ISU’s strong career services, commanding premium compensation packages in software, data science and R&D roles.

Under DASA with an All-India CRL of 25,200, he qualifies for: B.Tech AI at NIT Surathkal (AI cutoff: 26,688); B.Tech ECE at NIT Trichy (ECE cutoff: 66,706); and B.Tech CSE at NIT Warangal (CSE cutoff: 46,935). Each NIT features NBA accreditation, experienced PhD faculty, modern labs and strong industry MoUs. NITK AI and NITW CSE boast placement rates above 80% and growing AI/analytics recruitment pipelines, while NIT Trichy ECE records near-75% core-sector placements. Annual DASA fees at NITs range from US $15,000–18,000, significantly lower than BITS-ISU costs, with comparable scholarship opportunities limited.

Balancing long-term ROI, the BITS 2+2 path accelerates global exposure, dual-degree credentials and premium placements at higher upfront cost. A B.Tech at NIT followed by a US master’s entails lower initial investment, robust core engineering training and the flexibility to self-fund graduate studies through campus placements or scholarships.

Recommendation: Opt for BITS 2+2 CSE if you prioritise world-class international exposure, dual degrees and, top-tier placement networks despite higher fees. Choose a DASA seat at NIT (AI at NITK or CSE at NITW) for cost-effective core engineering training with solid placement and later pursue a US master’s via merit scholarships. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

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Best option in iiit hyderabad for better placement and early internship in btech and dual degree for course cse with speclization ai ml
Ans: Dipanshu, IIIT Hyderabad’s B.Tech in CSE offers an ACM-aligned curriculum covering algorithms, systems, AI/ML, data science and electives in computer vision and NLP, delivered through state-of-the-art AI, cloud-computing and robotics labs. A 12-credit Practice School internship begins in the fifth semester, supported by a proactive placement cell and corporate mentoring, yielding a 99% placement rate for BTech CSE with an average package of ?31.98 LPA over the past three years. Faculty include PhD-qualified researchers with strong industry collaborations, and accredited NAAC A++ status underpins academic quality. The five-year dual-degree integrates the BTech foundation with a research-oriented MS by Research, immersing students in advanced AI/ML theory, thesis work under DST/CSIR grants, and early research assistantships via centres like Kohli Center on Intelligent Systems. Dual-degree cohorts see 100% MS placement at an average of ?26.46 LPA, and graduates often secure RA internships and stipends of ?20,000–?50,000 monthly through lab-based projects. Both paths benefit from IIIT-H’s industry MoUs, interdisciplinary innovation hubs and global recruiter network, yet differ in academic depth, time-to-degree and placement profiles.

Recommendation: Opt for the BTech CSE for its higher average placement packages, structured Practice School internships from year three and broader recruiter diversity. Choose the dual degree if you seek early research immersion, advanced AI/ML specialization, funded thesis work and a stronger pathway into academia or R&D roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

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My son got admission in KCG college chennai with CSE. Now we got CSE in Amrita Chennai. My concern that Amrita chennai feeswise more than double comes to around 18 laks whereas KCG 8 laks overall Kindly suggest which one is good. Amrita is over burden for me. Still considering my son career I am ready to take loan or something to manage. Kindly suggest which one is goo
Ans: Raj Sir, KCG College of Technology, affiliated to Anna University and AICTE-approved, holds NAAC A+ and NBA accreditation for its CSE programme, a centrally located 50-acre campus with 140+ virtual and physical labs, including specialized AI, cloud and programming facilities. Its dedicated placement cell reported an 88%–94% placement rate over the past three years, with an average package of ?5 LPA and top recruiters such as Accenture, Cognizant, IBM and Amazon. Total tuition fees amount to approximately ?2 lakhs for the entire B.E. course.

Amrita School of Engineering Chennai, a constituent of Amrita Vishwa Vidyapeetham (NAAC A++), operates a 13.5-acre hill-campus with state-of-the-art AI, data-science, cybersecurity and cloud labs, and a strong industry-university research ecosystem. Its CSE graduates achieved a 90%+ placement consistency in 2024, with an average package of ?9.2 LPA and participation from 300+ recruiters including TCS, Wipro, Accenture and Amazon. Total tuition fees for B.Tech CSE are ?18 lakhs over four years.

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Recommendation: Opt for Amrita Chennai CSE if investment is feasible, to leverage its superior placement outcomes, advanced research infrastructure and extensive industry linkages. Choose KCG College CSE for an accredited curriculum with solid placement consistency at a significantly lower cost, preserving financial flexibility. MY SUGGESTION: Finalise KCG and advise your son to keep upgrading his skills during the next 4 years, build a strong & professional LinkedIn Profile, improve his soft skills etc., to be competitive among other students for campus placement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

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Asked by Anonymous - Jul 20, 2025Hindi
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