i am 65 years old person religious active in pvt services getting handsome salary my wife expired in may 23 and i am along living in big house at noida having own property and car lavish life but no use . i have cook and maid servant part time . looking living relation adjustable lady loving nature without issue can take care . my children are married and living in faridabad and gurgaon coming oftenly . please advise

Ans: Dear Anonymous,
The decision is obviously yours to make.
Just make whatever decision you wish to after considering 'what next and how will it be after this'?
Also, have you found out if your wife is also making some compromise in this marriage? Life is not one dimensional, you know...Just saying!

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

Ans: Financial Assessment

Your financial situation looks good overall. Well done!
You have a stable job and own property. That's great.
Having no loans is excellent for financial health.

Current Assets

EPF savings of Rs. 20 lakhs is a good start.
Five open plots provide some diversification.
Owning a flat in Hyderabad adds to your assets.

Retirement Planning

We need to plan for steady income after retirement.
Your EPF and property can be part of this plan.
We should look at other investment options too.

Investment Strategy

Mutual funds can be a good choice for you.
They offer better liquidity than land plots.
Professional fund managers handle the investments.

Disadvantages of Plot Investments

Plots can be hard to sell quickly.
They need maintenance and may have legal issues.
Returns depend on location and market conditions.

Advantages of Mutual Funds

Easy to buy and sell units.
Professional management of your money.
Diversification across many stocks or bonds.
Regular income options are available.

Action Steps

Review your current expenses and future needs.
Start investing in mutual funds for retirement.
Consider selling some plots for more liquid assets.
Speak with a Certified Financial Planner for personalized advice.

Finally

Your financial base is strong. Good job!
With some changes, you can have a secure retirement.
Start planning now for a comfortable financial future.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: Ashok Ji,
First, it's important to acknowledge your feelings and needs. Losing a spouse is incredibly difficult, and it's a positive step that you're looking to find companionship again. Your desire for a life partner who can share your lifestyle and provide mutual support is completely understandable.

To start this journey, consider what qualities and values are most important to you in a partner. Reflecting on your past relationship experiences can help you identify what worked well and what you might want to avoid this time around. Understanding your own needs and preferences will guide you in finding someone who is truly compatible with you.

Given your professional standing and lifestyle, you may want to explore avenues where you can meet like-minded individuals. Networking within your social and professional circles can be a good start. Friends and colleagues might know someone who is also seeking companionship.

Online platforms specifically designed for senior dating could also be helpful. These sites allow you to specify your preferences, such as looking for a partner without children, and can connect you with potential matches who share similar interests and values.

Another option is engaging in social activities, clubs, or groups that align with your interests. Whether it's a hobby, a sport, or a community service group, participating in these activities can naturally lead to meeting new people who share your passions.

When you meet someone who seems like a potential match, take the time to build a genuine connection. Open and honest communication is key. Share your thoughts, feelings, and expectations for the future, and encourage your partner to do the same. Building a strong emotional bond and mutual understanding will lay a solid foundation for a lasting relationship.

Lastly, be patient with yourself and the process. Finding the right person can take time, but maintaining a positive outlook and being open to new experiences will make the journey more enjoyable.

If you feel comfortable, seeking guidance from a relationship coach or counselor could also provide personalized support and advice as you navigate this new chapter in your life.