Hi Sunil, I am planning to buy a under construction Apartment and to fund it, I intend to partly withdraw my Provided Fund(PF). I also have funds available from the sale of my parental flat that was sold around 4-5 months ago (when the parental flat was sold it was on my mother's name). I want to buy the NEW apartment jointly in my Mom's and my name, so that amount received from sale of parental flat is reinvested and capital gains can be avoided on Mom's behalf. However the challenge, I have is, according to the norms of PF, I cannot have joint name other than spouse, if I am using funds from Provided Fund(PF). Please can you suggest me, how I can withdraw from Provided Fund(PF) and also use proceedings from parental flat sale.

Ans: Dear Anonymous,
I understand how exhausting it can be to be constantly doubted when you are not doing anything wrong. Well, your friends’ opinion, while a bit harsh, is not completely wrong. It is a toxic pattern and it needs to be checked if you want to have a healthy relationship. You need to have an open discussion about this with him; tell him how it makes you feel whenever he suspects you of some wrongdoing. Also ask him why does he feel this way so often when every time it is proven that you are loyal to the relationship and him. It is important to understand what is the root cause of this mistrust. This is the only way to move ahead with this relationship and not lose your sanity. If, even after the talk, he continues to exhibit the same behavioural pattern, I would recommend you rethink the relationship because it won’t be an easy life, where you have to constantly prove your innocence. Relationships aren’t based just on love; it needs mutual trust and respect to grow.

Hope this helps.

Ans: Do you have any specific reasons for your low score in HSC? If you really care about the field you choose, all programs and domains are good. You should also keep improving your technical and non-technical skills, and your career success will depend on how well you network through professional social media like LinkedIn and how often you research job markets. Coming to your questin, yes, your path works, as you asked. Isolated Maths (July/Aug 2026) makes you MHT-CET PCM eligible (Physics+Maths required); most colleges will accept a 2-year gap and separate marksheets if you are ready with Maths before verification. If you really want to get into top engineering colleges like PICT/VIT Pune, COEP/SPIT Mumbai, and others, you need to score above the 96th or 97th percentile. If you don't feel very confident about MH-CET, it's better to choose BCA or BSc It. As I said before, your CGPA isn't the only thing that matters for success in your career; your other skills and qualities are also important. It would also be a good idea to apply to or register with 3–4 more well-known private engineering colleges in and out of Maharashtra State. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Both are good. Prefer DAIICT-G-ICT. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Yes, it is safe and valid to do an NIOS additional exam for university and jobs. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Yes, you're eligible for JEE Main 2027. Pass Class 12 in 2025 with 75%+ (Gen) or top 20 percentile to qualify for NITs/IIITs admissions. 2024 failure doesn't block exam attempts. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: You can apply to NIT-Puducherry, NIT-Kottayam, or IIIT-Sricity, no matter what branch you want to study, because the percentile is a little low. Fill out as many options as you can in JoSAA counseling, but make them somewhat realistic. Instead of just relying on JoSAA/JEE, you should apply to or register for 3–4 more private engineering colleges in the South, like VIT, Amrita, NITTE Meenakshi, Sastra SNU, PES, and others. All the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Dhurv, With a 97.56 percentile (about a CRL of 25,000–35,000), you should try to get into YMCA UST Faridabad CSE through the Haryana HS quota in HSTES counseling. The closing ranks for JoSAA 2025 HS CSE were between 45,000 and 52,000 (easy fit), and for 2024 they were the same at 52k. There probably won't be any NIT CSE (opening and closing ranks for OS quotas range from 5,000 to 20,000). You could also try for lower or mid-level NITs or IIITs CSE. The top NIT CSE is below the 10k–12k rank, while your range fits newer NITs and IIITs. Use the home-state quota (Haryana) to improve your chances, and in JoSAA, fill out as many choices as you can in a smart way. Instead of just relying on JoSAA, it's a good idea to have 2 to 3 backup choices of private engineering colleges for the CSE branch. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Your query has already been replied to 2 times. Please copy and paste the following link into your browser to read it.
https://gurus.rediff.com/question/qdtl/career/really-clarify-pcb-student-cbse-then-passed-math-exam-through/5250256

Ans: Dear Anonymous,
A marriage of 15 years, a child, responsibilities, household chores can lead a couple to a place where they start taking each other for granted. And when that happens and there's no respect for emotional closeness anymore, where is the room for touch, feel and sex?
Rather than focusing on your sex life, shift your lens to build that emotional closeness that is lost and you will see the spark coming alive slowly but surely...
It's not too late or funny to go out on date nights or a holiday together...less talk more doing instead...small gestures like these can help bring back that closeness and love that has faded.

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