Hi i am a married woman aged 45 years, i am happily married and have a loving husband. My husband travels a lot due to work and my son is studying in college in Pune. Everything was going fine in my life, but few months back a MBA graduate boy 23 years joined our office in my team. He had to report to me, and our company send us for sales corporatemeetings to Mumbai and other cities often. Gradually we became close and he confessed he had a crush on me. I was falttered but told him i am much older and married. Although i was very flattered that he found me attractive. I am tall 5ft 7 inches and kept myself very fit and always men keep hitting on me but i always ignore them. On our last trip together we went for a meal and had a few drinks together. Then i told him i was sleepy and needed to go to my room. He accompanied to my room and had a coffee. I had a bavk ache and he said he can massage me for 5 mins. I hesitantly agreed during the massage one thing led to another and we had sex and since then we have started having sex whenever we travel togther often. He says he truly loves me but for next 5 years he cannot marry anyone. I have now started loving him a lot i often fight with my husband. I want to continue this affair but am afraid if my husband finds out or if people in office come to know. Strangely another young man in office has starterd showing interest in me and asked me out for a coffee. He also says he likes me a lot anf is caring, I am confused shall i also go for a simple coffee. what if my husband or younger boyfriend find out. Is what i am doing wrong, i just want to live my life fully am i wrong ???

Ans: For top-tier engineering colleges in and around Delhi, consider IIT Delhi, Jamia Millia Islamia (JMI), Delhi Technological University (DTU), and Netaji Subhas University of Technology (NSUT). With 97.56 percentile you can get chance in any one of them, but in Delhi-IIT you can't get CSE. You can try for all the good ranking NITS. Best of luck. Professor.........................................:)

Ans: NIT ( Civil)

Ans: You can try for online tuition and if you can make your own website it will be good. Professor........................:)

Ans: Take coaching from the institute, not from the private tutor who was in coaching centre. Best of luck. Professor..........................:)

Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Hello Dear
Chances are there in IIITs but less in NITs. Best of luck to your son.
Follow me, if you like the reply.
Thanks
Radheshyam

Ans: Hello Dear
You have a chance to get admission to IIITs but may have to wait for the CSE branch. In the first round take computer related branch and wait for the subsequent rounds.
Follow me, if satisfied with the reply.
Thanks
Radheshyam

Ans: With an SC category rank around 1,500 to 2,000, your brother stands a reasonable chance of securing CSE or ECE in some of the top NITs. See previous years' cut off.

Ans: Hello Dear.
You did not mention the category. Considering the OC category, the chances of getting CS in NITs are less. The score for the CSE branch is bright. If your daughter is interested in the computer field, then and then only ask her to opt for it. Otherwise, choose other options.
Follow me, if satisfied with the reply. Thanks
(Radheshyam)