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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

जातिगत मतभेद के बाद प्यार: 5 साल का रिश्ता टूटा - क्या मैंने गलत किया?

Ravi

Ravi Mittal  |593 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 08, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Oct 05, 2024English
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Relationship

Sir mere 5sal ka relationship tha ham dono ke cast alag hone ke karan unke ghar wale unko bahut richer ki o mere pass5month bad call ki boli daily sms ya call karungi but unka call ya sms na aya jab mai kiya to mera number block aur rista khatam kar di mere se bat mai nahi ki mai bahut kosis kiya manane ko but o nahi mani usane mere dost ke pass sms ki thi ki mai ab nafrat karti hui aur rista khatam kar rahi hui aj ye sab hote huye 1sal 3mahine hogaya ab 3month se mai try nahi kar raha hui ab mai social media se dur hui unke aur appane sare dost ko block kar mai akela hui akhir meri galti kya thi sir ab mai kya karu ye rista thik ho skta hai ya nahi

Ans: प्रिय अनाम,
मैं समझता हूँ कि आप दुखी हैं। लेकिन चूँकि वह आपके साथ रिश्ते में रहने को तैयार नहीं है, इसलिए मुझे नहीं लगता कि अब उसके साथ आगे बढ़ना अच्छा विचार है। उसके पास ब्रेकअप के लिए वैध कारण हो सकते हैं- उदाहरण के लिए, आपने पहले ही उल्लेख किया है कि उसके माता-पिता रिश्ते के खिलाफ हैं। माता-पिता की इच्छा के विरुद्ध जाना आसान नहीं है। या वह बस रिश्ते से बाहर निकल चुकी है। किसी भी तरह से, मैं आपको सलाह दूंगा कि आप उसके साथ आगे बढ़ना बंद करें और किसी ऐसे व्यक्ति को मनाने की कोशिश न करें जिसने अपना मन बना लिया है। यह आप दोनों में से किसी के लिए भी उचित नहीं है। क्या आपको नहीं लगता कि आप किसी ऐसे व्यक्ति के लायक हैं जो आपको चुने? इसके बारे में सोचें।

शुभकामनाएँ।

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anu

Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

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hi Anu Mam, Mai Ravi Delhi se, meri saadi 2023 feb hui thi meri wife ka afire uske sage chote fufa ke sath chal rha tha saadi se phale se, Saadi ke 3-4 months baad ek baar maine use room band kr ke insta video call pr baat karte hue pakda muze saak hua and to maine uske insta apne mobile mai chal liya ye baat usko ni pta thi par use sak ho gya muze pr to apne fufa ko chupke se facebook masanger pr bta rahi thi ki mere husband mere insta or chala rhe h msg mt krna and us pr call par baat kri maine sab dekh liya kya baat hui ghar aa kr phale gusse mai tha but baad mai use pyar se samjya to usne muze bas yahi bola ki meri inse baat Jan 2023 se ho rahi h bas baat krna acha lagta hai attraction ho gya hai maine use samjya ki age se baat mat krna, uske kuch months baad us ne aye din Suicide krna police ki dhamki dena, chat se kunda start kr diya uske family ko bulya family bale kai baar aa kr samja kr chakle jaate ye every week hona start ho gya ladai hona , abhi June- July 2024 ko uske exam the bo dene gai and muze khai se pta chala ki bo exam dene ke sath apne fufa se bhi baat krne lagi hai and us se mili bhi hai maine prof dudna start kiya and use pucha ki tu mili hai ki nhi apne fufa se usne muze bola han achank mil gai thi but maine baat ni ki iska fufa Rampur mai ratha hai or ye Ghaziabad mai center tha to ye achanak se milna ni ho sakta maine pucha to bo usi baat pr rahi uske baad maine pucha kis ke phone se tu apne fufa se baat karti h to mana krne lagi mai nhi krti baat sabki kasam kha li usne, maine jab search kiya to muze pta chala bo mere samane bali padosi ki ladki se phone le kr baar krti thi bo use phone de deti thi use nhi pta kha baat krti thi ye maine uske ladki ki call history nikli to pta chal kai baar isne baat ki hai apne fufa se jis din iska exam tha uske baad us din bhi ye mile ab mai kya kru aap batao alag ho jaau ya kya kru aap batato
Ans: Dear Ravi,
Ab jinko shaadi mein rehna hi nahin hai aur fufa se dil lagaa baithi hain, isme aap kya kar sakte hain. Aapne har tareeka apnaaya hai use waapas le aane ke liye. Bas ek koshish aur kar lijiye faislaa lene se pehle...Ek baar sirf aap aur aapki patni kahin ghoom aaiye aur yahi baat uthaiye par binaa koi naarazgi se...yeh pataa lagaaiye ki kya woh shaadi mein bandhnaa chahti hain ya nahin. Agar unka dil hi nahin, toh kya kar sakte hain aap...phir aise hi shaadi mein aap unka phone chedck karte rahenge aur proof dhoondhte rahenge...Isiliye is baat ka khulaasa kam aur samaadhaan par zyaada dhyaan dijiye taaki aap ek faislaa kar sake.

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

..Read more

नवीनतम प्रश्न
Ramalingam

Ramalingam Kalirajan  |8600 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 25, 2025
Money
Hello Sir I am 46 years age working in central govt my current salary is 88k in hand with nps corpus of 30 lacs .i have wasted about 15 years of job period in which my only investment was lic of amount 8 lacs which will mature on 2027. I have married lately in my 40s and now i have 3 years old son.i have tried to become disciplined now and in these 2020 to till date purchased gold ornaments of Rs 25 lacs. Sir i have a question whether i should go for UPS or stay in NPS and i have no other investments. I live in my ancestral house with my family. Please suggest.
Ans: You’ve shown real commitment by becoming disciplined in recent years.
Let’s now create a 360-degree plan to secure your financial future.

Your Current Financial Profile
Age: 46 years

Employment: Central Government

Monthly in-hand salary: Rs. 88,000

NPS corpus: Rs. 30 lakhs

LIC investment: Rs. 8 lakhs (matures in 2027)

Gold bought from 2020 till now: Rs. 25 lakhs

Owns ancestral home; no housing rent or EMI burden

Married late; has 3-year-old son

No other investments currently

You have built a strong NPS corpus.
You also have gold and an LIC policy.
But your asset allocation is unbalanced.
It needs more diversification for stability and growth.

Understanding NPS and the New UPS Option
Government employees now have the choice to move from NPS to UPS.
This switch is optional and available for a limited time.

Let’s compare them carefully before any decision.

NPS – National Pension System
Pension is based on market performance

No assured income in retirement

Allows investment choice in equity and debt

Gives tax benefits under multiple sections

Offers flexibility but comes with market risk

NPS is good for growth but lacks guaranteed pension.
Returns depend on fund performance.
Pension amount at retirement is not fixed.
You will need to buy annuity at the end.
But annuity returns are generally low.
Also, annuity income is taxable.

UPS – Unified Pension Scheme (New Option)
Offers guaranteed pension after retirement

Pension amount is fixed at 50% of average last salary

Needs at least 25 years of service

Government will contribute more than under NPS

Gives peace of mind with predictable income

UPS gives financial stability in retirement.
It is not linked to market returns.
But you lose the flexibility and market growth of NPS.
You also don’t have control over your retirement corpus.
It may fall short of inflation-adjusted needs.

Which is Better for You?
You are 46 now.
So, you may have already completed more than 20 years of service.
If your qualifying service is 25 years, you can choose UPS.

Choose UPS if:

You want assured income in retirement

You are uncomfortable with market risks

You don’t want to manage investments post-retirement

Stay with NPS if:

You want growth potential with flexibility

You are okay with variable pension income

You are willing to plan annuity and withdrawals

Since you are already in NPS with Rs. 30 lakh corpus,
you should weigh the impact of switching carefully.
You can’t reverse it once opted.
Compare estimated pension under UPS
with possible pension from NPS corpus.

About the LIC Policy
You mentioned LIC worth Rs. 8 lakhs maturing in 2027.
You didn’t specify if it is term or endowment.

If it is an endowment plan, returns will be very low.

Consider surrendering the policy post-maturity.
Reinvest the maturity amount into mutual funds
through a Certified Financial Planner and MFD.

Avoid mixing insurance and investment.

Over-Exposure to Gold: A Concern
You’ve accumulated Rs. 25 lakhs worth of gold.

That’s a very high allocation to a single asset.

Gold does not give regular income.
It doesn’t beat inflation in the long term.
Also, jewellery has making charges and low resale value.
Liquidity is also limited compared to financial assets.

You may retain some portion as family reserve.
But avoid fresh investment in gold.
Avoid considering gold as your core long-term asset.

Create an Emergency Fund
You have a dependent child and only one income.
Maintain an emergency fund of 6 months’ expenses.

Keep it in a liquid fund or savings account.
This will help during medical or job emergencies.

Plan for Child’s Education
Your son is only 3 years old.
You have 15 years before his higher education.

Start a SIP now for his future.
Use a diversified mutual fund with long-term potential.

As he grows, reduce equity exposure gradually.

Create a dedicated portfolio only for education.
Don’t mix it with other goals.

Start SIP in Mutual Funds for Growth
Mutual funds offer good diversification and professional management.
Avoid direct funds, especially if you lack expertise.

Regular funds with support of CFP and MFD
offer hand-holding, periodic review, and behavioural support.

Direct funds lack personal guidance.
You may end up choosing unsuitable schemes.

Investing through an MFD with CFP credential
brings strategy, discipline, and peace of mind.

Avoid index funds.
They just follow the market blindly.
They don’t protect during market fall.

Actively managed mutual funds are better.
They aim for alpha returns and are guided by research.

Retirement Planning Must Start Now
You have only around 14 years left before retirement.

Depending only on UPS/NPS will not be enough.

You need an additional retirement corpus
to handle inflation and rising medical costs.

Start a separate SIP only for retirement.

This will help supplement your pension.

If you retire at 60 and live till 85,
your retirement will last 25 years.

Plan well in advance to avoid dependence later.

Do a Monthly Budgeting Exercise
Your current in-hand salary is Rs. 88,000.
You can still start small SIPs with Rs. 5,000 to Rs. 10,000.

Track expenses.
Avoid unnecessary purchases.
Gold buying can be stopped.

Assign money towards education, retirement, and emergency fund.

Check for Existing Insurance
Check if you have life cover.
If not, take a pure term insurance plan.

This will secure your son’s future.
Also take family health insurance.

Medical bills can wipe out savings.

Do Not Depend on Physical Assets Only
Gold is not income-producing.
House is for living, not for income.

You need financial assets for retirement cash flows.

Create a financial asset base now
through mutual funds and NPS.

Final Insights
You have taken a step in the right direction.
Your gold assets and NPS corpus give a base.

But you need to balance and grow wisely.
Don’t depend only on government pension.
Start SIPs for retirement and child’s future.

Don’t lock money in low-return products.
Seek professional support for fund selection and goal tracking.

Make every rupee count from now on.
That’s how you can create financial freedom in retirement.

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

...Read more

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