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Ravi

Ravi Mittal  |147 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 07, 2023

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 - Dec 06, 2023Translate
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Relationship

Hello M'am, I am a muslim male 61 years widowed (lost all money treating my wife for cancer) retired in Bangalore India, educated was working in a private firm having an unmarried son who is working in a MNC being an engineer and I am looking for a lady for me of similar age who is wealthy and who can take care of me I do not mind locating anywhere she is and wants me but good and sincere looking for a honest good man like me and can help in her business if she is in by supporting her in working and we can be together loyal and trustful to her till death. As I feel lonely and finding such a lady seems difficult, trying but have been unsuccessful no idea where to search for. Should I look out for such a relationship and do ladies who are wealthy and alone who are widows or divorcees also looking out for man like me. Guide me if so.

Ans: Dear Anonymous,

I am sorry to hear about your challenges. You can sign up for a dating app and mention your requirements in your BIO to attract the kind of women you are seeking. There are plenty of women of your age who might be looking for a good and honest man as a companion. I am sure you will find someone soon.

Best Wishes!

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Dr Ashish

Dr Ashish Sehgal  |96 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2023

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Relationship
Sir. After 2 unwanted marriages, the first fiXed by my 2nd half-brother and then my mother i am now staying alone for the last 20 years and am 72 going on 73. The thing is that i need a lady companion to ease my remainang years...how should i go about the companion thing. I am fit and hale and normal built happy. Ride a Honda Hornet to get aroung and i love riding bikes and gave up my car mobility when i left the gulf job.. Thanks
Ans: It's wonderful that you're looking for companionship to add joy to your life in your later years. Here are a few steps you could consider taking to find a compatible companion:

Social Activities: Engage in social activities that align with your interests. This could include joining clubs, groups, or hobby-related gatherings that involve activities you enjoy, such as biking clubs, book clubs, or local community events. Participating in these activities can help you meet like-minded individuals who share your interests.

Online Platforms: There are various online platforms designed to help people connect and find companionship. You could explore senior-specific dating sites or social networks that cater to individuals in your age group. Be cautious and take your time getting to know people before making any commitments.

Local Community: Attend events and activities in your local community. This could include attending workshops, classes, lectures, or volunteering opportunities. These events provide opportunities to meet new people and strike up conversations.

Mutual Friends: Your existing circle of friends and acquaintances may have connections to individuals who are also looking for companionship. Don't hesitate to express your interest in finding a companion to those around you.

Travel and Adventure Groups: Since you enjoy biking and adventure, consider joining travel or adventure groups that focus on activities you're passionate about. This can be a great way to connect with others who share your interests.

Be Open and Approachable: When you're out and about, be open to striking up conversations with people you meet. A friendly and approachable demeanor can make it easier for others to approach you.

Take Your Time: Finding the right companion is important, so don't rush into anything. Take your time to get to know people, their interests, and their values before considering a deeper connection.

Stay Safe: While seeking companionship, be cautious and prioritize your safety. Be mindful of sharing personal information too quickly and meet new people in public places initially.

Communicate Clearly: When you start forming connections, communicate openly about your intentions, expectations, and the kind of companionship you're seeking. Honesty can go a long way in building meaningful relationships.

Friendship First: Focus on building a foundation of friendship before moving towards a romantic relationship. Companionship can come in various forms, and starting as friends can lead to deeper connections.

Remember that finding the right companion takes time and effort. Be patient and enjoy the process of meeting new people and forming connections. Keep an open heart and mind, and you might just find a wonderful companion to share your interests and experiences with in your later years.
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Anu

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 02, 2023

Ravi

Ravi Mittal  |147 Answers  |Ask -

Dating, Relationships Expert - Answered on Aug 08, 2023

Asked by Anonymous - Aug 07, 2023Translate
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Relationship
Hello Gurus! I am 40 yr divorced NRI man in the UK. I have a 10 yr old son and he lives with his mum in a different country. I have visitation rights and I meet him regularly. I have been divorced for 6 years now. I have been trying to date since last 5 years and it has been quite a frustrating experience. I do not want to jump to Matrimonial Sites as I would prefer to date someone to know them better before deciding to settle in a committed relationship. Also, there are many frauds on the Matrimonial Sites. My challenge is that most of the single women in the age range of 36 – 42 that I have met in last 5 yrs is that either they have unstable career and looking for someone to depend upon or if they have a career, they are arrogant and unruly. Though I look decent, I don’t have looks as a criteria. I worry sometimes if will I ever find love and affection in my life. Apart from the dating apps, where else do you suggest I could try to meet decent and normal woman?
Ans: Dear Anonymous,

I hear your concern but I don't think it has anything to do with the mode of dating. Online or IRL, rude people will continue to be rude everywhere. Also, not everyone with a stable career is arrogant and unruly, men and women alike.

Apart from dating apps, you can try finding love IRL. You can try going to clubs, cafes, or social gatherings to meet like-minded women. Or you can ask your friends to set you up with someone who matches your criteria. You can join some activity of your liking to find women who prefer the same things as you. Start with a HI and see where it goes.

You can find a decent human being even in a dating app. It is a matter of patience, a pinch of luck, and primarily a good amount of effort from your end. To get better results, try mentioning your intents in your bio; for instance, you want to date and then move on to marriage- mention the same in your bio to attract the right kind of people.


Best Wishes!
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Moneywize

Moneywize   |58 Answers  |Ask -

Financial Planner - Answered on Feb 24, 2024

Asked by Anonymous - Feb 23, 2024Translate
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What are balanced advantage funds and would you recommend how I should go about investing in such funds?
Ans: Balanced Advantage Funds are a type of mutual fund that dynamically manages the allocation between equity and debt instruments based on market conditions. These funds aim to provide investors with a balance between growth (through equity exposure) and stability (through debt exposure). The allocation between equity and debt is adjusted by fund managers based on various factors such as market valuations, interest rates, and economic indicators.

Here's a breakdown of the key features and considerations for investing in Balanced Advantage Funds:

1. Dynamic Asset Allocation: These funds have the flexibility to shift allocation between equity and debt depending on market conditions. When equity markets are expensive or overvalued, the fund manager may reduce equity exposure and increase allocation to debt instruments, and vice versa.

2. Risk Management: Balanced Advantage Funds tend to offer lower volatility compared to pure equity funds due to their ability to switch between asset classes based on market conditions. This can potentially reduce downside risk during market downturns.

3. Goal-based Investing: They can be suitable for investors with medium to long-term investment horizons who seek a balance between capital appreciation and capital preservation. These funds are often used for goals like retirement planning or wealth creation with a moderate risk profile.

4. Professional Management: Investors benefit from the expertise of professional fund managers who actively manage the asset allocation and investment decisions based on thorough research and analysis.

5. Tax Implications: From a taxation perspective, gains from equity investments held for more than one year are taxed at a lower rate (long-term capital gains tax), whereas gains from debt investments held for more than three years are taxed as per the investor's income tax slab. Balanced Advantage Funds may offer tax efficiency due to their equity exposure.

6. Expense Ratio: Investors should consider the expense ratio of the fund, which represents the annual fees charged by the fund house for managing the fund. Lower expense ratios can enhance returns over the long term.

As for whether you should invest in Balanced Advantage Funds, it depends on your investment objectives, risk tolerance, and financial goals.

If you're seeking a balanced approach with the potential for higher returns than pure debt funds but with lower volatility compared to pure equity funds, then these funds could be suitable for you. However, it's essential to consult with a financial advisor who can assess your individual circumstances and recommend the most appropriate investment strategy.

If you decide to invest in Balanced Advantage Funds, you can do so through various platforms such as mutual fund distributors, online investment platforms, or directly through the fund house's website. Here's a general guide on how to invest:

1. Research: Understand the different Balanced Advantage Funds available in the market, their investment objectives, performance track record, and expense ratios.

2. Select a Fund: Choose a fund that aligns with your investment goals, risk tolerance, and time horizon.

3. KYC Compliance: Complete the Know Your Customer (KYC) process as required by regulatory guidelines. This typically involves providing identity and address proof documents.

4. Investment Process: Decide on the mode of investment, whether lump sum or systematic investment plan (SIP), based on your convenience and investment strategy.

5. Online Platform or Distributor: If investing through an online platform, create an account and follow the instructions to invest in your chosen Balanced Advantage Fund. If using a mutual fund distributor, approach them with your investment decision, and they will assist you with the investment process.

6. Monitor and Review: Keep track of your investments periodically and review your portfolio to ensure it remains aligned with your financial goals.

Remember that all investments carry some level of risk, including the potential loss of capital. Diversification and a long-term investment approach are generally recommended to mitigate risk and achieve your financial objectives.
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Anu

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2024

Asked by Anonymous - Feb 21, 2024Translate
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Relationship
Good Morning, We are married for almost 27 years and at various stages of my wife like, beginning days when Girls had dream of her happy married life beginning, honeymoon, pregnancy, fostering the child, mid-age crisis and now Menopause I have been very unfair & sometime very cruel to my wife. I am tryint to please her in my possible ways but whenever I am planning something exciting & pleasurable for her it turn out to be flop show & nightmare. I want her to be happy but don't know why it gets spoiled due to one or other reason. Despite of all this she is always giving me chance and prepare herself for new beginning. But now I fear & feel gradually I will become a big liability on her, health wise as I am diabetic and even after taking high dose of medicines it doesn't get controlled. I am worried that though the beginning was not good our end should be Peaceful & graceful. Need your guidance
Ans: Dear Anonymous,
No point revisiting what has already happened. It seems like your wife wants a new beginning; then why not actually plan on how you want your life together to be from now on? What are the things that you have missed out on earlier, bring it all back and slowly start experiencing what life could be living in that harmony...
As for diabetes, getting the right medicine and taking it in the right dosage is important to see a change. Also, exercise, attempt to keep stress levels low and eat right...these help in keeping your blood sugar levels low...
Don't talk about the END when there is a NEW beginning in sight...

All the best!
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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