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Kanchan

Kanchan Rai  |423 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Samrat Question by Samrat on Dec 05, 2023Hindi
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Relationship

Hello ma'am hope you are fine and doing well! My question is regarding with your previous two question-answers. In 1st question a man's wife has confessed to him that she was in contact with another man and in second question a man discovered his wife was in relation with another man as she was feeling emotionally down. So my question is that how can be determined that our partner is cheating as many of us are in contact or talking to our friends from opposite gender. How can we draw boundaries because in both the above cases at first glance it doesn't seems wrong if they were just talking to another men . But still it is cheating. Please clear my doubts

Ans: Hello Samrat,
I am doing well, thank you for asking. hope you are doing well too, coming to your question determining whether a partner is cheating can be a sensitive and complex issue. It's important to recognize that the definition of cheating can vary from person to person and from relationship to relationship. What one person considers acceptable behavior may be seen as a breach of trust by another. Open and honest communication is crucial in any relationship. Clearly express your expectations, boundaries, and feelings to your partner. Discuss what each of you considers acceptable behavior and what constitutes a breach of trust. Setting boundaries collaboratively helps ensure that both partners are comfortable with the agreed-upon rules. If you have a gut feeling that something is off, don't ignore it. While intuition is not foolproof, it can be a valuable signal that something may need addressing. Trust your instincts but also approach the situation with a level-headed mindset. Cheating is not always about physical involvement. Emotional infidelity, where a partner develops a deep emotional connection with someone else, can be just as damaging to a relationship. Discuss how you both define emotional boundaries A healthy relationship often involves transparency. This doesn't mean constant surveillance, but it does involve being open about friendships, activities, and interactions. Hiding communication or being secretive may raise concerns. Trust is built on respecting boundaries. Make sure you're not excessively invading your partner's privacy without valid reasons. It's important to reflect on your own expectations and ensure they are realistic. While it's reasonable to expect honesty and faithfulness, being overly controlling or possessive can strain a relationship.

Remember, the key is to have open and ongoing communication with your partner. Building and maintaining trust is a continuous process that requires effort from both sides. If you have concerns, addressing them constructively rather than making assumptions is the best way to move forward.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1355 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2023

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Relationship
First of all, thanks for your answering my previous question. I am still unable to accept that a woman who has relatively happy marriage and children is getting involve with other men despite warning and claiming that he is only friend and jeopardizing her marriage. Let this kind of situation happens with me . How will I proceed when I come to know that my wife is talking and meeting to another man even after my warning for (let say) more than 5 years and saying that she has not committed adultery ? Your answer will be appreciated
Ans: Dear Samrat,
I apologize if I am incorrect. But I seem to notice that you keep asking the same question in different ways. It will help if you actually state what is bothering you.
You not willing ;to accept a woman who has relatively happy marriage and children is getting involve with other men despite warning and claiming that he is only friend and jeopardizing her marriage'? Is this about someone that you know? Or is it something that you want to know out of curiosity? If it is only a healthy debate that you seek, I suggest that there are other platforms that encourage answers and responses as a debate. You may want to ask these questions there.
If it is indeed about you having this problem with your wife, then ask so...also as Gurus, it becomes easy for us to address a person's challenge if they come straight to the point. I hope I am making sense.

Ifs and Buts in life are many...are you suspecting that your wife is in a relationship outside of marriage?
I ask because you have mentioned: How will I proceed when I come to know...does this mean that you know or you are expecting this or you have your doubts?
If you know, simply ask her...she does have the responsibility within the marriage to let you know of this.

If you don't know or are playing on your doubts due to your beliefs of: I am unable to accept that a woman getting involved despite warning...Then know that your lack of trust will kill your marriage...

So, my suggestion...do come to the point and ask your question directly. You will be able to leverage this platform better and find a path to your challenges.

All the best!

..Read more

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Janak

Janak Patel  |8 Answers  |Ask -

MF, PF Expert - Answered on Dec 04, 2024

Asked by Anonymous - Nov 30, 2024Hindi
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Money
Hi, i am 52years old, wanted to retire early, following are my investments, MF - INR 65L, Equity - INR 22L, 3 houses, one is self-occupied, other 2 houses valued at INR 90 L and INR 32L respectively, i have home loan outstanding of INR 12L, FD of INR 36L , PF INR 32L, monthly expenses requirement is INR 1 L, kindly help me to plan my early retirement. Thank you in advance for your reply on my question.
Ans: Hi,

As there are many things to consider for an early retirement, one of the first is to start thinking about it in a more realistic manner. An early retirement is not necessarily stop working life, but think of it as a more comfortable schedule that provides you opportunities to relax and pursue your passion and interests and live life on your own terms. You may or may not undertake an activity which can be monetized, meaning which provides you some sort of income - not necessarily to cover your living expenses in whole/part. So do give it some thought of how you intend to keep yourself occupied once you retire from your "current schedule". Will you generate any source of income or will you incur/require more expense.

At current age of 52, an early retirement even if we consider at 55 years of age, it a still a long life ahead. I will make a lot of assumptions in my response as these are not known from your query - such as life expectancy of another 30 years, average return of 8% on all investments for future etc. Are the 2 real estate properties earning any kind of rent that can be considered as income.
There are too many variables that go into the calculations for retirement which are specific to each individual and their circle of life.

Generic solution - You have a currently accumulated investments valued at INR 2.65 Cr (all investments less loan).

Current monthly expenses is INR 1 Lac, over which inflation needs to be applied each year (depends on lifestyle and composition of items of expenses).

So if your cumulative investments appreciate at average 8% annually, and your monthly expense increases at 6% annual inflation, your current accumulated investments are just about enough to manage expenses for next 30yrs (excluding tax implications - refer below).

Points to consider -
1. Inflation in real world is more than 6% (depends on the individual)
2. Liquidation of investments e.g. Real estate attract expenses/fees and tax on capital gains as it will be lumpsum
3. PF post retirement will earn interest only for 3 years, so you need to plan to re-invest the amount
4. Interest income on FD attracts tax at slab rate
5. Withdrawal of amount for monthly expense from your investments will attract tax on capital gains (MF and Equity)

I strongly recommend you connect with a Certified Financial Planner for personalized guidance and prepare a plan that will take into consideration your risk profile and overall investment management towards the retirement. Benefits will include a more tax efficient plan which will consider your requirements and ensure retirement goals are achieved and if there is a shortfall - what alternatives you need to consider.

Hope this is helpful and all the best for the future.

Regards
Janak Patel
Certified Financial Planner.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |174 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Dec 04, 2024

Career
Sir I am preparing for mbbs, but I'm not able to crack that. I'm a middle class student. Can I pursue mbbs in abroad under 8 lakhs in a best college for mbbs?After that can I able to be a doctor in India?
Ans: Hi Lagna,

It seems you haven’t provided the details clearly on this platform. If you could share more information, I’m sure you will receive helpful input.

Based on your message, I understand that you are considering pursuing a career in medicine. If you intend to enroll in a medical program either in India or abroad and plan to practice in India after completion, here are some important guidelines according to the National Medical Commission (NMC):

You must appear for the NEET exam, as it is a mandatory requirement for anyone wishing to pursue graduate medical education in India or elsewhere while intending to return and practice in India. According to the NMC eligibility criteria: “No student shall be eligible to pursue graduate medical education either in India or elsewhere (if they want to return and practice in India), except by scoring the minimum eligible score at the NEET UG exam. The UGMEB will announce the list of eligible students periodically.”

Therefore, I recommend preparing for the NEET exam and trying to secure admission in India itself. If you choose to pursue medical education abroad, you can still practice in India, but you will need to pass exit exams as well.

Regarding your question about pursuing MBBS abroad for under 8 lakhs, are you asking if this is per year or for the entire course? Studying abroad at that cost per year is possible. However, when you take into account the total expenses, which include course fees, accommodation, food, travel, visa, and other costs, it might be more feasible to complete your MBBS in India.

I hope this clarifies your queries!

...Read more

Patrick

Patrick Dsouza  |879 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on Dec 04, 2024

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Career
Hi Sir, I am 41 years old. I've 15 years of experience in Finance (FP&A) domain. In last 2.5 years I have changed 3 companies due to lay off, Cultural misfit and latest one due to Personal and family issue. I quit my last job in Sept'24 (from Apr;24 to Sept'24). Due to some family issues, Lay offs, Challenges faced on the job I am feeling very low. I don't have any confidence left as a result don't want to return to work out of fear and anxiety. However, I also want to upskill myself and thinking of pursuing US CMA. But I am in dilemna that with around 15 years of work experience would it open any gates for growth opportunities going forward. Another dilemna that I am constantly fighting is to whether think of making a switch from Finance domain to Learning & Development domain. I have good communication & interpersonal skills and have always had a liking towards L&D domain. Now myself on a Career break I am not sure how to proceed further - Whether to pursue my Career in Finance and look for jobs in Finance domain and then gradually look to switch to L&D domain or Look for the opportunities only in L&D domain. I have an emergency fund that can take care of my expenses for next 6-8 months. Looking forward to your guidance that can help me bounce back in my career as I am feeling lost, depressed and Lack of Confidence at present in life. Thanks.
Ans: Learning is a continuous process. So doing a course in Finance should not be a problem. As far as getting into LnD domain, start with being a faculty in one of the colleges or can start with taking private tuitions. See if it suits you. If it does, then you can decide to make the switch.

...Read more

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