How Can I Lighten My Skin During Winter?

Hi I am 46 year old and have one child I have 27 lac in PPF and 1.10Cr in mutual funds 10 Lac in ULIP Plan. and 5 lac in NPS and 3 lac in EPF. 1.5 Cr term insurance Currently investing in 1.01 lac in SIP per month, 1 per year in ULIP, 50000 per year in NPS and 1.5 lac per year in PPF also EPF contribution. Salary income is 1.5 lac per month and rent income is 24000 and I am spending 15000 on rent. current loans 21 lac outstanding of home loan till 2032 and car loan 3 lac till Nov 2026 How should I plan retirement early at age of 52?

Dear Sir / Madam , i worked for 9 years with company name Atl , My LIC superannuation amount is total around 8 Lac . I am ok with not withdrawing 1/3rd amount Which Option should i choose to get maximum Pension/month and for maximum period , all clauses are mention below for your reference : 7. Option to choose pension i) Life pension ceasing at death, No purchase price shall be paid on death of beneficiary, No guaranteed payments. ii) Life pension with guaranteed payments for 5/10/15/20 years. No purchase price shall be paid on death or at end of 5/10/15/20 years guarantee. On survival to guaranteed payment pension shall be continued to be payable till life survives. (Please specify period) . iii) Life pension ceasing at death of member with return of capital (purchase price) to beneficiary alongwith group pension terminal bonus declared by LIC. iv) Joint life and Last survivor pension to member and his/her spouse (without any gauranteed payments as in case of 1) v) Joint life and last survivor pension to the member and his/her spouse with return of purchase price on death of last survivor alongwith group pension terminal bonus declared by LIC. 8. Mode of payment of pension (specify specifically) (MLY / QLY / HLY / YLY) 9. State whether member wants commutation of pension (Yes / No) as per prevalent Income Tax Rules. (Please note that at present member can commute maximum to 1/3 (33.33%). This proportion may range maximum upto 1/2 (50%) if member is not eligible to get group gratuity. rgds Bharat

Hello, I'm a female (30). I got married in dec 2023. My husband was very particular with sharing all the bills equally and I agreed with it but after 2months of marriage he started asking me pay his EMI's which is more than 65k/m or take his home loan entirely on my name. This loan was taken before marriage. I refused to pay his loans, then he started emotionally abusing me. He calls me names, body shames me and compares me with other girls and says he deserves better. He says every other wife out there is better than me and me and my family doesn't give enough gifts to him like other families.He never helped me with any household chores despite both being employed and sharing equal bills. He asks to give him my entire salary but I can't do it because I took out a personal loan for my parents before marriage which I have to pay 75k/m . My husband was not aware of this. I want to file for a divorce but my parents are adamantly refusing to agree even though he know what kind of person he is and is even blaming me saying I do not know how to adjust and maintain a marriage. What should I do?

Hello mam , my bf is great he is nice and always supports me in my choices but sometimes he is overly jealous yesterday I told him that his friend talks very nicely because his friend and I had previous 1-2 conversation but at that time I didn't like the way he used to talks to me i also told this to my bf which he reply he is always like this but yesterday he talked to me in very nicely because now he knows that I am a important person in his friend life and I also this thing to my bf that I was too quick to judge he is not even that bad but just after my bf got upset and started to tell me if you like him that much then go and date him why are you dating him I was like no i am just telling he is not that bad as I have thought about him in the starting and he didn't listen to me and he is not even talking and it makes me feel like I did something wrong by talking to his friend which was also related to my bf

I have just turned 33. Have a handful friends and that is my social circle. I go on motorcycle rides and that group of people is limited to motorcycling. I have quit my regular job and started pursuing self employment opportunities. I was not in mindset for relationship but off late there is a girl who seems to be extremely interested in me. Funnily she says I am the most ideal guy she met but I have no idea what gives her that vibe. She told she loves me and I said I don't have such feelings for her. Yet we hang out frequently. Throughout these moments I get a feeling that I am becoming less emotional towards my surroundings. I used to love dogs, feed them, pet the ones near my house. Now I see them on the street, I don't care. I used to care about the kids on street begging, give them food whenever I could, now I don't care. Someone shares any kind of bad news, I sympathise as if I am delivering a template, I don't care. The girls says she loves me and I know deep down I have no emotional feelings for her. In retrospect I was not such a person as a child or teen. But between my childhood to now some of the things were a turning point. 1. At 4 yrs I was told my mother was dead and my father was someone I barely met a few hours on the weekend. 2. By 16 yrs I buried 3 out of my 5 dogs and realised that alcohol was killing my dad everyday 3. At 20 yrs death of my father 4. Between 20 to 25 I realised relatives and so called friends will gladly stab you when they have a chance 5. At 25 yrs sold my dad's property, lost my roots had to come back to Bangalore 6. Watched most of my friends sideline me considering I was an orphan with no future. 7. Getting rejected by girls as lack of parents meant I was a lose cannon and cannot be trusted. I never believed in hiding stuff particularly in emotionally involving relationships. I might be wrong about this girls and maybe she really likes me but I feel I have lost interest in such things or maybe I don't have the strength left to go through such emotionally draining stuff again just for nothing. I don't know what I want.

Two years ago, I got married to my boss after dating for three years. He was previously married and had wanted me to quit my job and take care of my family. The first year went well but his behaviour changed after our first wedding anniversary. He has been staying late at work, avoiding my calls and often goes on outstation meetings while I take care of his ageing parents and 5 year old son from his first wife. My mother suspects he may be having an affair. I am 32. Since our communication has reduced, I feel stuck and helpless at home. My friends tell me that after marriage, most men behave the same way. Is it true? Am I overthinking too much? How do I find out?

I am 48 years old man, have always been in love with my younger brother(44 years) (cousin). He and I were best friends since childhood and I am too much in love with him. For last 23 years, we have parted (fought) and I have avoided him like anything. He knew all about my love (letters/stalking/begging/crying) and thats why he distanced himself from me. He came back after 23 years (only on whatsapp chat), and again i started crying and what not and emotionally totally unstable. My wife, kids and even i am surprised how bad it is within me. He wants me as a friend (not overly emotionally invested). How can I be a normal human being with him? Is it even possible? I hate being like this, how can i let go.... It's for so long what help do i need if any.

I am studying at Visvesvaraya National Institute of Technology (VNIT), Nagpur , 8th sem CS . I am a US citizen and would like to go for MS in US Universities. I have a low GPA of 2.4 . Please guide me what sort of Universities I should target