Hi ,I have pain near middle joints of fingers when I press them this is happening in 2 to 4 fingers ,when i stretch the fingers pain subsides generally it's more in morning when I woke up and press ,also joints of affected fingers that connect to wrist (palm side) , there is slight when I press of what could be reason ,there is no pain if press all fingers upper joint

Ans: Hello Javid,
it's important to have an open and honest conversation with your wife about her concerns and feelings. Listen to her perspective without becoming defensive, and try to understand where her mistrust is coming from. Reassure her of your commitment to the marriage and your desire to work through these issues together.

Transparency and communication are key in rebuilding trust. Consider discussing boundaries around privacy and social media use to help alleviate her concerns. For example, you might agree to keep each other informed about your social media interactions or agree on guidelines for accessing each other's phones.

It may also be helpful to seek couples therapy or counseling to work through trust issues and improve communication in your relationship. A therapist can provide a neutral space for both of you to express your concerns and work on finding solutions together.

Finally, be patient and understanding with each other as you navigate this process. Rebuilding trust takes time, but with effort and commitment from both partners, it is possible to strengthen your relationship.

Ans: As a Certified Financial Planner, your commitment to managing your investments is commendable. Here's my advice:

Review your investment portfolio regularly to ensure it aligns with your financial goals and risk tolerance.
Diversification is key to managing risk effectively. Consider maintaining a balance between stocks and mutual funds.
While your stock portfolio has shown higher returns, remember it comes with higher risk. Assess if your risk appetite aligns with your current strategy.
SIPs offer disciplined investing and rupee-cost averaging. Consider continuing them for stability and long-term growth.
Tax implications should also be considered. Selling mutual funds may trigger capital gains tax, so plan accordingly.
Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial goals and risk profile.
Remember, investing involves risks, and past performance is not indicative of future results. Stay informed, diversified, and make decisions based on thorough analysis and consultation.

Ans: It's impressive how you've diversified your investments across real estate, mutual funds, PPF, and shares.

Consider selling one apartment to further diversify into global mutual funds, aligning with your buy-on-dip strategy.

Reevaluate your MF portfolio regularly, ensuring it remains aligned with your financial goals and risk tolerance.

Continue maximizing tax-saving opportunities like PPF and tax-saving mutual funds.

Review your real estate holdings periodically and assess if any adjustments are needed based on market conditions.

Maintain a balance between growth and stability in your investment portfolio to mitigate risks effectively.

Consult with a Certified Financial Planner to tailor your investment strategy according to your specific financial goals and aspirations.

Ans: Dear Rajesh,
First and foremost, it's important to prioritize your own well-being and happiness, as well as that of any potential children involved. While divorce may seem like the only solution, it's also worth considering seeking professional help, such as marriage counseling or therapy, to try to address the issues in your relationship and explore potential avenues for improvement.

If communication is a significant challenge due to education and cultural differences, a therapist or counselor can help facilitate more effective communication and understanding between you and your wife. They can also provide guidance on how to navigate conflicts and differences in a constructive manner.

Additionally, it may be helpful to involve a neutral third party, such as a religious or community leader, to mediate discussions between you, your wife, and your respective families. They may be able to provide support and guidance in finding a resolution that is mutually acceptable and respects the well-being of all parties involved.

Ultimately, the decision to pursue divorce or to work on improving the relationship is a deeply personal one, and there is no one-size-fits-all solution. It's important to take the time to carefully consider your options and seek support from trusted friends, family members, or professionals as needed.

Ans: I read 2 things in your comment (1) You have trust issues (2) the person you are with is cheating on you. Now lets reverse the table, and let me know if I had these issues what would have you recommended, I assume you would have asked me to (1) work on my issues, learn why I have trust issues and try to overcome them. (2) And ask me to rethink if I wish to engage with someone who cheats me romantically or otherwise... Hope you find the response to your question in what has been shared.

Ans: Starting mutual fund investments at 51 is wise for diversification. Focus on a balanced portfolio of equity and debt funds.

Allocate more towards debt funds for stability, considering your age and passive income sources.

Regularly review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Consider your overall financial situation, including passive income and real estate investments, when making investment decisions.

Stay disciplined and patient, allowing time for your investments to grow and generate returns.

Consult a Certified Financial Planner for personalized advice tailored to your specific needs and goals.

Ans: It's challenging for me to determine your husband's loyalty without more context or information. Loyalty can be demonstrated in various ways, including honesty, trustworthiness, and commitment. If you have concerns about your husband's loyalty, it might be helpful to communicate openly with him about your feelings and observations. Building trust and understanding in a relationship often involves honest conversations and mutual respect.

Ans: It's great that you're thinking about investments at 30. Given your income and expenses, here's a plan:

Emergency Fund: Start by building an emergency fund equivalent to at least 6 months' worth of expenses.
Child's Education: Consider investing in a mix of equity mutual funds or index funds for long-term goals like your daughter's education. Since she's 5, you have around 13-15 years to grow this fund.
Retirement: Allocate a portion of your savings towards retirement. Since you're relatively young, you can afford to take more risks by investing in equity-oriented funds for higher returns over the long term.
Insurance: Ensure you have adequate life insurance coverage to provide for your family in case of unforeseen events.
Systematic Investment Plan (SIP): Start a SIP in mutual funds where you invest a fixed amount every month. This helps in disciplined investing and takes advantage of rupee-cost averaging.
Budgeting: Keep track of your expenses and try to save more wherever possible to increase your investment corpus.
Remember to review your investments periodically and adjust them according to your financial goals and risk tolerance. Starting early and staying disciplined are key to achieving financial success.

Ans: As a Certified Financial Planner, I recommend investing in gold through gold exchange-traded funds (ETFs) or gold mutual funds.

To begin, you'll need a demat account to invest in gold ETFs, while for gold mutual funds, a regular mutual fund account suffices. Both options provide easy access to gold without the hassle of physical ownership.

Tax implications on gains from gold investments depend on the holding period. Long-term gains (held for over three years) are subject to capital gains tax, while short-term gains are taxed as per your income tax slab.

Considering your child's future and a 10-year investment horizon, allocating 2 lakhs to gold is prudent. This diversifies your portfolio, reducing risk while potentially enhancing returns over the long term.

Given your existing investments and the possibility of a home loan, it's crucial to strike a balance between various investment avenues. Assess your risk tolerance, liquidity needs, and financial goals before making any investment decisions.

By investing in gold through ETFs or mutual funds, you gain exposure to the precious metal's potential upside without the concerns of storage or security associated with physical gold. Regularly review your portfolio and consult with a Certified Financial Planner to ensure it remains aligned with your evolving financial objectives.