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Ravi

Ravi Mittal  |399 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 07, 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 - Nov 07, 2024
Relationship

Hello, I have been looking for a life partner for sometime now, through Matrimonial websites and groups. It really am hoping to find one with whom I can connect to at a deeper level and to nurture it for life. I read and really like the conversation people have and share about their lives and how the experts like you are helping them. I came across an advice that you gave to someone who is also seeking a life partner, I honestly feel that we have alot of similarities in what we are looking for in a life partner. I don't know if I can mention about the user or the question that you answered for her here. But I would like to know,if there is a way I can connect to the user by any means, if yes please revert back to me on my email as I do not want it to be public. Thankyou

Ans: Dear Anonymous,
Just like you, all other users are anonymous to me. It helps them feel safer and more comfortable in sharing their concerns. I am glad you found someone you have so much in common with but unfortunately, I cannot help you with their identity. Hope you find them.

Best Wishes.

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2023

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Relationship
Dear Relationship Guru, I have been looking for lifepartner since many years through online matrinony sites but still single.All these years have been stressful because of not coming across right kind of people.Tried seeking assistance through relatives etc networks but they either suggested non-preferences candidates which only resulted in clash between myself and parents because of differences of opinion and choices or they didn't helped at all.In short,nothing worked out till date.Could you please advise regarding my situation?
Ans: I understand that finding the right life partner can be a challenging and sometimes frustrating process. Here are a few suggestions that may help you in your search:

Expand your social circle: In addition to online matrimonial sites, try to meet new people through various social activities, events, or interest-based groups. This can increase your chances of meeting someone who shares your values and interests.

Be clear about your preferences: Take some time to reflect on the qualities and values that are important to you in a life partner. Consider what you are looking for in terms of personality, values, interests, and goals. Being clear about your preferences can help you filter potential matches and communicate your expectations effectively.

Communicate openly with your parents: It's important to have open and honest conversations with your parents about your preferences and choices. Help them understand your perspective and the reasons behind your preferences. This can help minimize misunderstandings and conflicts between you and your parents.

Seek professional assistance: Consider working with a professional matchmaker or a relationship counselor who specializes in helping individuals find suitable life partners. They can provide guidance, support, and valuable insights into the matchmaking process.

Take breaks when needed: Sometimes, taking a break from actively seeking a life partner can be beneficial. Focus on self-improvement, personal growth, and pursuing your own interests and passions. When you feel ready, you can resume your search with a refreshed mindset.

Stay positive and patient: It's important to maintain a positive attitude throughout the process. Remember that finding a life partner takes time, and it's not uncommon to face challenges and rejections along the way. Patience and perseverance are key. Stay hopeful and trust that the right person will come into your life when the timing is right.

Work on self-improvement: Use this time to invest in yourself and work on becoming the best version of yourself. Focus on personal growth, develop new skills, pursue your passions, and engage in activities that bring you joy and fulfillment. Building a strong sense of self can attract like-minded individuals and contribute to a healthier and more successful relationship.

Remember, finding the right life partner is a process that takes time and effort. It's important to stay positive, maintain an open mind, and be proactive in your search. By taking these steps and remaining patient, you increase your chances of finding a compatible life partner who shares your values and goals.

..Read more

Latest Questions
Kanchan

Kanchan Rai  |392 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Relationship
Hello Maam/Sir, A married guy is constantly giving me much attention. Im.tried to ignore him but he is constantly making appearance from different places. I dont what his real intentions are but because of his constant staring and public apearances. I feel difficult to overlook his behaviour. He is currently gone to his hometowm. So, there is lots of peace. Im not sure why is he trying to get a glimpse of me as he is already happily married n have a son. I need advice to ignore him so that I focus on my husband only.
Ans: The key to redirecting your focus lies in setting boundaries—both mentally and behaviorally. Often, people respond to subtle cues, so maintaining a neutral and reserved demeanor can help communicate disinterest. If he attempts to engage directly, keeping interactions brief and polite without encouraging deeper conversation will likely make your boundaries clear without causing conflict. When he’s present, avoid returning his gaze; this can subtly communicate that you’re not reciprocating his interest.

If this continues, grounding yourself in thoughts about your husband and what you value in your relationship can help you mentally reinforce where your focus truly lies. Remind yourself that someone else’s behavior is not your responsibility and that your own actions, comfort, and peace are within your control. By reinforcing your own values and commitments, you’ll feel more empowered to maintain your focus where you want it—on your husband and your well-being.

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Nitin

Nitin Narkhede  |36 Answers  |Ask -

MF, PF Expert - Answered on Nov 07, 2024

Asked by Anonymous - Nov 04, 2024Hindi
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Money
I am a 45 year old IT professional with following saving/investment as of now: 30 lacs: EPF 30 lacs: PPF 30 lacs: FD 10 lacs: NPS NOTE: 1. I have monthly expenditure of 50k 2. Additionally, NPS requires 12k monthly investment 3. No liabilities and no loan 4. Staying in own house. Queries: 1. I am planning to retire in next 1-2 years. Pls suggest best way to invest above money. 2. Also, I have gold of worth 25 lacs, so should I keep that with me or instead sell it now and invest money elsewhere?
Ans: Dear Friend,
At 45, retiring at 2 years is 47, with an expense of 50K per month plus 12K per month NPS needs 62K per month. Considering a life expectancy of 77, you need funds for the next 30 years. Not considering medical or any other emergency expenses, you also need 2.25 cr in expenses in the next 30 years. Hence, you can consider rearranging the finances as below.
PPF (?30 Lakhs Total): Continue these as they offer tax-free, secure returns. During retirement, you can withdraw in tranches to maintain liquidity. Keep it as you find financial security; do not touch it, and let it grow.
As you declare retirement at 47, you have EPF (?30 Lakhs Total) and Fixed Deposit (?30 Lakhs). You can withdraw this amount and invest it in Balanced or index MF funds, which offer yearly 12% to 14% average returns. You can also start SWP from this.
NPS is a good retirement investment, but there are many restrictions on premature withdrawals. If you retire at 47, you will not get a withdrawal until age 60 for 60% of the amount, and the balance 40% will be converted to pension after age 60. You can withdraw 60% of the amount from the balance 6 years older for premature withdrawal. If your finances permit, continue investing after retirement.
Gold can be a good hedge against inflation. Gold returns an average of 8 to 10% return on an average. However, if you don't have an emotional attachment or strategic reason to hold it, consider selling and reinvesting in diversified assets like balanced mutual funds or a senior citizen savings scheme for higher returns.
Overall, at 47, you need about 1 cr in your MF for expenses after retirement with 50K PM.
With the amount you have mentioned, you can live a decent life without any frills. My suggestion is that you increase your corpus to fulfill all your life's needs other than your monthly expenses.
Regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

...Read more

Nitin

Nitin Narkhede  |36 Answers  |Ask -

MF, PF Expert - Answered on Nov 07, 2024

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Money
Sir i am chitra, i have 30lk credit dueto my family circumstances. All jewell loans, i want close, i have a capability to repay upto 20000/- per month. My salary 25000/- lecturer, i earn extra income 10000/- my sister ask me to help to repay loan. But since i am a guest faculty 15 in college, i have no option to give my salary slip. How camn i get 30lk loan. Any help.
Ans: Here are a few approaches to consider for managing and potentially restructuring your loan obligations: You can Explore Gold Loan Refinance, If your existing ?30 lakh debt is mostly gold loans, you may consider refinancing the loan through a different lender, like a bank or NBFC, which could offer a better interest rate or longer repayment term. For refinancing options, it’s worth checking lenders like SBI, HDFC, or even gold loan providers like Muthoot or Manappuram, as they might not require strict documentation. You can also try to Negotiate with the Lender for Extended Tenure**: If possible, talk to your lender about extending the tenure of your existing gold loan. This would reduce the monthly EMI and allow you to use the freed-up amount to pay off the debt gradually without taking on more loans. Another approach can be to Consolidate Loans with a Gold Loan Top-Up, Since your assets are in gold, a top-up loan on your gold may be easier than getting a new personal loan.
Given that your income and commitment to paying off your debts, a combination of gold loan refinance, top-up, or consolidation might provide a practical path forward. Ensure you review interest rates carefully to avoid additional financial strain
Regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

...Read more

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