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Divorced Woman with Daughter Seeking Advice on Remarriage to Man with 2 Children

Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 21, 2025

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 - Jan 19, 2025Hindi
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Relationship

I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.

Ans: Dear Anonymous,
Let me ask you one thing, if you knew a plane was going to crash, would you still get on it because you are worried you will reach your destination late? No, right? Similarly, if you know this marriage could be really tough on you, with the added responsibilities of a teenager and another soon-to-be teenager, do you still want to go ahead with it, just because you might have to stay alone for a while longer?

I can't really make a decision for you, but I can urge you to rethink this alliance. It's great that you are trying to compromise but do not compromise so much that nothing that you want is given any importance. You cannot ask a father to send his child to a hostel so that you can have some privacy; similarly, no one can force you to raise him as well. The best decision would be to either reconsider the relationship or have an open conversation and come to a middle ground that works for all.

Best Wishes.
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Asked by Anonymous - Feb 10, 2025Hindi
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I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfill my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below. 1. Should I consider buying 100% annuity. 20% withdrawal does not make sense 2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.). 3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit. 4. Should I consider the Shriram life insurance. 5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity. 6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%) 7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)
Ans: Hello;

Point wise answers to your queries as given below:

1. Yes.
2. Yes.
3. If you do monthly annuity the rate will be lower but you get monthly payouts. In yearly the rate will higher but only one shot payment per year so it depends on your preference.

4. Cannot comment on suitability of xyz firm.

5. Consider an insurer which has good capital adequacy, growing profitable business, preferably listed, reputation of the owner/group apart from decent annuity rates on offer.

6 & 7. My suggestion would be to opt for annuity for life with ROP to your nominee. Ultimately it is your call.

Please have adequate healthcare insurance cover.

Best wishes;

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I graduated with a BBA in 2022, and since then, I’ve been on a thrilling two-year adventure at an MNC. But guess what? I decided to resign in March 2024 because, you know, who doesn’t love a little drama at work? Now, I’ve managed to burn through all my hard-earned savings like a pro, and here I am, utterly confused about my future. Sometimes I think about leaving India—maybe for studies or just to escape and do some mindless job somewhere. Other times, I dream of retreating to the most remote corner of India and living off the grid. I’ve always been pretty good with technology, snagged a degree, and even racked up some work experience. But now? I’m completely lost on where to start over. I’ve scoured countless articles and advice columns, but they’ve been about as helpful as a chocolate teapot. I’m just looking for that life-changing advice that seems to be in short supply. Turning 24 this year!
Ans: Hello Manan,
My simple advice to you would be to get back to some job while you can continue to ponder over your long term goals/passion/pursuits.
Sitting idle (with no funds) at home won't help & it is not going to do any good to your career/life plans.
Simultaneously you can continue to do introspection & chalk out a proper plan as far your larger life goals are concerned.
Say you earnestly wish to pursue higher studies than you need to get yourself these answers 1) Why you need a higher degree in first place ? 2) Will it help you to get job/career of your choice? 3) If yes, then shortlist some relevant good courses & start exploring admit process etc. 4) Meanwhile do account for funds that will help you to time your break from the job (savings, loans etc.)
Likewise ask yourself questions for each option you have in mind & be honest in responses, that will help you to zero on your real aspiration & then do the proper detailing/planning. This may entail some compromises in short term but will certainly pave your way to achieve long term goals.

Best of Luck!

Major Inderpaul
HR Expert, Life & Relationship Coach

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Hello dear sir, I gave the 12th state board exam in 2024. I have given jee main three attempts I haven't given jee advanced exam yet . I have got less percentage in 12th , So will I have two more attempts for JEE Advanced? after doing 12th from state board and CBSE board?
Ans: Your question is not clear to me. Yes you can give JEE exam three times.

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