@Devkc - You have to tell me where are you from... But i will suggest take it... Housing is not cheap here, it will cost you not less than 5000-6000. Kids education will be around 12,000 - 30,000. BUt i will suggest you to take the offer as they might give you vehicle loan and house furnishing money so many + + +... and if you wife feels like working, its no problem (unlike US).... So i guess i will take it...