Should I marry him? I'm worried about his traditional joint family after living in a nuclear setup

Ans: Prakash Sir, You can try ICCC-Mindler which has a lot of highly experienced and knowledgeable counsellors. All the BEST for Your Kids' Prosperous Future.

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Ans: Your Son will come under 'General Category' Only for admission into any Govt or Private Colleges. Your Son can appear for MHT-CET as it his home state and also COMEDK which is open for the Students all over India for admission into any one of the Private Colleges in Bengaluru/Karnataka. Your son can even try for admission into any Private College in Kerala through KEAM (Kerala Engineering, Architecture, and Medical Entrance Exam). Other options are: SITEEE of Symbiosis-Pune, BITSAT of BITS Pilani, PES University of Bengaluru, KIITEE of Kalinga-Bhubaneswar, AEEE of Amrita University, MET of Manipal, SRMJEE & VITEEE. Or you can try for Management Quota Seat also. All the BEST for Your Prosperous Future.

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Ans: BS in Chemistry might be a better fit with many job alternatives if you appreciate lab work, Chemistry experiments, and wish a wider spectrum of sectors to work in. If you wish to be involved in environmental and industrial sectors but prefer fieldwork, research of the Earth, and natural resources, BS in Geology could be more fitting but geographically tied. All the BEST for Your Prosperous Future.

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Ans: First, it’s important to acknowledge how difficult this must be for both of you after such a long period of no contact. Rebuilding a relationship after being apart for over three years, especially with such different expectations, will take patience, understanding, and honest communication.

It sounds like both of you have valid concerns. She wants to balance her career and family, and you want a life where the child is surrounded by love and stability. However, her desire to have her parents with her permanently and your concerns about how the baby will be raised need to be discussed thoroughly before making any decisions.

Your friend’s advice about considering how to balance personal and professional life is worth thinking about, but ultimately, this is about what you and your wife want from your relationship. A good starting point would be to sit down with her and have an honest, open discussion about your expectations. It's important to figure out whether both of you can compromise on certain issues. For example, can you find a middle ground where you both feel supported in your careers while also prioritizing the family dynamic you both envision?

Consider couples counseling, as it might help both of you communicate better and understand each other's perspectives more deeply. The key is to align your goals and see if you're both willing to make adjustments for the future you're trying to build together.

Lastly, take care of your emotional health. If you're feeling overwhelmed, it might help to talk to someone neutral or even a counselor to help you process your thoughts and make decisions with more clarity.

Ans: Hello;

Yes you may pay LTCG @ 20% with indexation benefit.

Or

12.5% without indexation benefit.

Best wishes!!

Ans: Amount mentioned in sale deed will be considered for calculation of capital gain

Ans: Hello,

First of all thank you for reaching out to us. To answer your question, getting an MBA from Johnson and Wales University, particularly with its College of Business may not have the same national recognition as some larger universities, however it offers a solid education and can be a good choice depending on your career goals and personal preferences. Since you are already studying there I would encourage you to continue by saying that your experience and what you make of it can significantly impact your outcomes, so focus on maximizing your opportunities while you're there.

If you feel like you still need to make the switch to a different university there are plenty of options that are open to you. It’s never too late to make a decision that will ultimately benefit you in your career.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Ans: Systematic Investment Plan (SIP)
Advantages:

Rupee Cost Averaging: SIP spreads investments over time, helping you buy more units when prices are low and fewer when prices are high.
Reduced Risk: It reduces market timing risks by investing regularly, especially in volatile markets.
Discipline: Encourages regular, disciplined investing, which helps build wealth over the long term.
Flexibility: You can start with small amounts and increase gradually.
When to Choose:

If you have regular income and want to invest consistently.

If you want to mitigate market timing risks.

One-Time (Lump Sum) Investment
Advantages:

Higher Returns in Bull Markets: If the market is rising, a one-time investment can generate higher returns compared to SIP.
Immediate Compounding: The entire amount starts compounding from day one, potentially giving better long-term returns.
Lower Transaction Costs: Less frequent buying reduces transaction charges.
Risks:

Market Timing Risk: Investing a large amount during market highs can reduce your potential returns if the market falls.
Volatility Impact: Lump sum investments are more exposed to short-term market volatility.
When to Choose:

If you have a large amount to invest and the market is favorable.

If you have a high-risk appetite and can handle market fluctuations.

Which is Better?
SIP: Ideal for regular income earners or those wanting to invest in volatile markets over time. It balances risk and returns.

Lump Sum: Better if you have a large amount ready to invest and you believe the market will perform well in the short term.

Ultimately, the choice depends on your financial situation and market conditions. A Certified Financial Planner can guide you based on your goals and risk tolerance.

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