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Shalini

Shalini Singh  |185 Answers  |Ask -

Dating Coach - Answered on May 09, 2025

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Asked by Anonymous - May 09, 2025
Relationship

Hi Ms Shalini. I have been using dating apps for 3 years now. I have noticed that after a while, everything starts to feel repetitive. The same conversations, silly jokes and the same dead ends. What can I do to break this pattern and find something meaningful?

Ans: Do not put in efforts and time in getting to know the person unless you have met a few times. google on blogs written by me - I do write on how to date....

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

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Relationship
Hello sir, thanks for your previous response. I am a bit curious about how relationships fall into routine and predictability. We all know that every relationship has a phase where passion wanes and people settle in routine and predictable life. But only some of them get attracted towards potential partners outside while some don't. Why this happens and is it different for men and women?
Ans: Relationships, like any dynamic process, evolve over time. Initially, there's a phase filled with excitement and discovery, often driven by passion and novelty. As time progresses, this high-energy state transitions into a more stable and predictable pattern, which can sometimes be perceived as mundane. The predictability in relationships is not inherently negative; it provides a sense of security and trust. However, the challenge lies in maintaining the balance between comfort and excitement.

Why Some People Seek Excitement Outside the Relationship:
Unmet Needs:

When certain emotional, psychological, or physical needs aren't met within the relationship, individuals might seek fulfillment elsewhere. This isn't necessarily about dissatisfaction but about finding what they feel is missing.
Desire for Novelty:

Humans are naturally inclined towards novelty and excitement. Some individuals have a higher need for variety and may seek new experiences or connections outside their relationship to satisfy this craving.
Emotional Distance:

Over time, couples can drift apart emotionally. If there's a lack of emotional intimacy or unresolved conflicts, one might look for connection outside the relationship.
Validation and Self-Esteem:

Some people seek validation and a boost in self-esteem from new admirers. This external validation can be intoxicating, especially if they feel underappreciated within their current relationship.
Differences Between Men and Women:
While individual differences often overshadow gender differences, certain trends have been observed:

Social Conditioning:

Men and women are often socialized differently, affecting their approach to relationships and infidelity. Men might be conditioned to seek multiple partners to prove their virility, while women might seek emotional connections.
Emotional vs. Physical Needs:

Generally, women may seek emotional fulfillment, while men might be more inclined towards physical satisfaction. However, this is not a rule and varies greatly among individuals.
Communication Styles:

Women often emphasize emotional sharing and communication, which can prevent emotional drift. Men might struggle with this, leading to unmet emotional needs.
Risk vs. Reward:

Men might be more willing to take risks for immediate rewards, while women might consider the broader implications and long-term effects on the family and relationship.
Maintaining Balance and Preventing Predictability:
Open Communication:

Regularly discussing desires, needs, and concerns can prevent emotional drift and unmet needs.
Shared Activities:

Engaging in new activities together can reignite the spark and bring novelty into the relationship.
Emotional Intimacy:

Building and maintaining emotional intimacy through shared experiences, empathy, and understanding can strengthen the bond.
Self-Reflection:

Individuals should reflect on their own needs and communicate them effectively. Understanding oneself is key to understanding the relationship dynamics.
Appreciation and Gratitude:

Regularly expressing appreciation and gratitude can boost self-esteem and reinforce the positive aspects of the relationship.
In the end, each relationship is unique, and understanding the individual needs and dynamics at play is essential. By fostering open communication, emotional intimacy, and mutual respect, couples can navigate the phases of their relationship with greater ease and fulfillment.

..Read more

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 07, 2025

Asked by Anonymous - Jan 06, 2025Hindi
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Relationship
Hi, I’m a 28-year-old woman who has been single for almost three years now. I’ve recently started dating again. I met some great people, but I can’t seem to stop overthinking every little thing. Like, did I text too much? Was I too quiet during the date? Why did he take 5 hours to reply? Honestly, it’s exhausting, and it’s making me feel like I’m self-sabotaging potential connections. I know I’m a good person and have a lot to offer, but my mind just won’t stop analysing. How can I stop overthinking every interaction and just enjoy the dating process without this constant mental chatter?
Ans: Dear Anonymous,
You can keep thinking and still won't get a satisfactory answer to your whats and whys.
The key to stop overthinking is to actually STOP it. The 3 year gap and a possible fact of seeing your age group women already having settled down may have put you on an alert mode that tells you: Make sure that you don't goof it up!

When you tell yourself not to goof it up, invariable you will focus on what can and might go wrong and that's enough to exhaust you. Instead enjoy the dating process and go with that flow; things may go fine or not; just be in that moment...be aware of what's important to you and where you will draw boundaries. This check point will make sure that you put yourself out there and yet will keep you reined in without ruining your peace of mind. Enjoy the process...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Latest Questions
Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
sir,how to save LTCG ,wheather and formula to invest in eqity,m.f. ,property.
Ans: Hi,

To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.

LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

To start your investments in Mutual Funds, suggest you to connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
I have queries related to capital gain tax.To give a bit background, I purchased a second hand property(flat) in 2022 with below detais : Ownership(Joint) : me (doing private job) and mother (Senior citizen/House wife) having around 1L yearly income based on FD's. Purchase price : 69 L Brokerage charges : 1 L Registration/stamp charges : 3.5L Insurance(one time) : Rs 28,000 Repair expenses : 4L Property Mutation Charge : Rs 55,500 Loan amount : 50 L Mother helped with her funding 11L for purchasing as well. Till now , I am paying EMI's that would make around 17L. Now am planning to sale the property at a price ,so that my expenses till date are covered and with that I will close the Loan due(Rs 48L). Can you please suggest in detail how the sale can be made so that the capital gain is saved as much balancing between me and my mother(senior citizen/Houswife).Father expired.
Ans: Hi Parth,

Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).

Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

Get in touch with your CA to understand further things in detail.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
As a salaried employee, EPFO is my largest long-term investment, but its returns are stable and not very exciting. When I compare EPFO returns with the gold rate today, gold looks more attractive in certain years. For someone in their late 20s or early 30s, should EPFO remain the primary retirement tool, or should gold investments also play a bigger role?
Ans: Hi,

You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.

It is very important for you to connect with a professional to understand things in detail and decide.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 07, 2026Hindi
Money
i am 58 y ears old.my son has mental illness,due to which i have to keep money for his future also.i have income upto 7 lakh from agriculture and hostel rental business.i have 10 lakh in ppf ,15 lakh in lic {maturity in 2027},60 lakhs in shares and mutual funds. i will be receiving 2 crores for road compensation from goverment in this year.please inform where i should invest the amount as i have no loans.
Ans: Hi,

With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.

- Also avoid investing in LIC policy as its net return is approx. 4%

Consider setting up a private trust for your son's secured future after you are gone.

You should get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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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