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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
ASHOK Question by ASHOK on Apr 10, 2024Hindi
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Relationship

Hi Ma'am, I am 66 years old my wife has expired since 11 months and i am in affair with my brother sister in law who is divorce and by age 55 years in services .I have two audit children's well settled married and living separately . they have their kids and enjoying their life . I feel alone and could not pass time on holiday . During my working days services it is ok in office . we use to meeting on holiday . she is staying with his younger brother . even she want to have happy relation with me . How can i convene my children's and her family member . kindly advise .

Ans: Dear Ashok,
I am truly sorry for your loss...
Find courage to sit with your children and tell them about it. Do expect that there is a possibility of rejection from them as they have never seen you with any other lady other than their mother. So the initial rejection and mockery is a possibility. It will be the same at her end as well. The family members will cite age, society etc as a reason as to why this relationship/alliance is wrong.
Both of you must be patient through all of this and give it some time. Your children and her family members may still after all this still be uncomfortable and not accept this, be prepared and do what you must. It's your lives, isn't it?
But do keep a positive outlook and expect things to go in your favor as sooner than later, people will see the intent behind all this is the need for companionship. Also, on your part, do ensure your children that no one can replace their mother; though they are adults, they will still need this reassuring...Take it one step at a time...

All the best!
Asked on - Apr 12, 2024 | Answered on Apr 13, 2024
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But can i offer in live-in relation ship for some time if she agreed along with her family consent .please advise we are liking each other and she is matured enough to take self wise decision she can handle the situation well . please advise
Ans: Dear Ashok,
That is a decision for you to make after evaluating your respective family values. Since you are not living in isolation and you definitely seem to care about your near and dear ones, make sure that any decision that you make does not impact the sentiments of family members.
Of course, finally it is all up to you and the lady as it's your life and you both deserve to be happy.

All the best!
Asked on - Apr 15, 2024 | Answered on Apr 15, 2024
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Thanks Dear Ma'am i appreciate your advise in case i need any thing else i will write back .
Ans: Dear Ashok,
Thank you for your kind words.

All the best!

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Dear Ma'am Ms Kanchan I am 65 and still working on senior position getting very handsome salary plus perks ,having own pent house at Noida own car and with lavish life but my wife is no more she died last year and i have two adult married children's and well settled in NCR . please advise how can i have good life and what is the procedure i should adopt to get a match lady without children's and stay with me as excellent life partner .
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.

..Read more

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Janak

Janak Patel  |20 Answers  |Ask -

MF, PF Expert - Answered on Mar 11, 2025

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Money
Hello Sir, I am 42 years old IT professional. I have one son of 6 years and in class 1. My wife also works and our combined MF portfolio is of 1.1 cr. We both invest 90k per month in various mutual funds. I have purchased one flat which has 60 lacs of home loan and 58000 emi. I have sold my current flat in 80 lacs. I am in confusion of what to do with this money. Should I part close my home loan, should i invest it in mutual funds or should i go for PMS. I am in no hurry to pre close home loan as I can close the loan in next 6-7 years from our salary and my PPF. My goal is to maximize my returns to create wealth as I want to retire by 50. I have monthly expenses of 75K including my child fees for now. Please suggest. Thank you.
Ans: Hi Shaks,

Your query will resonate with many working professionals.

First and foremost, please check/calculate if you have capital gains arising out of the sale of your current flat. This is important for tax implication and will also help make your decision for utilizing the funds.

Lets assume you have some capital gains from this sale, then you can again have to confirm if the capital gains can be utilized without paying tax on it - this is possible if you have purchased the new flat within the last 1 year. If so, then you can utilize/adjust the capital gains towards payments made for the new flat and save tax on it. If you have purchased the new flat earlier than the last 1 year, then you have 2 options - pay tax on the capital gains and then use the funds as you wish OR invest the capital gains amount in NHAI bonds (locked) for the next 5 years (pay tax only on the interest earned).

Once you have sorted the above, you will know what is the amount in hand to make your decision, so lets dive into it.
You have a loan of 60 Lacs and you can manage the EMI from your salaries. Over the next 6-7 years, your salary will also see an increment of approx 7-8% annually, so I suggest you utilize this excess amount each year to prepay/topup your EMI payments. This will help reduce the loan burden over time. At the time of retirement, your loan outstanding can be paid with available options at that time.
You mentioned PPF as an option - I would suggest you do not utilize PPF amount towards this loan closure. The reason is PPF is a completely tax exempt asset and can be utilized well towards retirement income. Of course depends on how much you have accumulated in PPF.

So lets now consider paying the loan amount with the sale proceeds of the current flat. You have a loan today (assuming interest rate applicable is 8-8.5%), which you can manage and you are keen to continue it till retirement, so also recommend you do so. Keep the sale proceed amount available for investment and wealth creation as there are opportunities that can generate returns at a same rate (conservative options) and higher returns (with a slightly higher risk associated).

As you do not have any major liability which is outstanding or cannot be managed, and also you are investing 90k per month in Mutual funds, you can consider wealth creation options for the sale amount available.
PMS is an option but I feel its risks will out weigh the returns in the time frame you have, unless you have a known and trust-worthy option you want to consider.
As you are looking to retire early, at age 50, you should target to create a corpus that will sustain your retirement life (consider at least 30 years post retirement) and your child's education requirements.
Hence my recommendation would be to invest in Mutual Funds and continue with your PPF until retirement. A well constructed portfolio to create a retirement corpus and your child's education requirements would be required.

You can consult a Certified Financial Planner to help you with this plan. They can guide you with your Investments and Retirement planning and provide options to consider and provide advise on risk management (Insurance requirements).

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Dr Dipankar

Dr Dipankar Dutta  |954 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 11, 2025

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