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Shalini

Shalini Singh  |140 Answers  |Ask -

Dating Coach - Answered on May 24, 2024

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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Nikki Question by Nikki on May 24, 2024Hindi
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Relationship

Hi.. I have a question ... I am a 40 year old female and there is someone younger to me about 8 years younger who has shown interest and I’m reluctant .. As I am skeptical if due to the age gap it can work out ... I am also scared of how I will be perceived if I do go ahead with this relation due to our age gap. Pls advise

Ans: the important part is - do you share similar feeling for your partner/ friend as he does for you. In case you do, you need to see how it works between both - it will work well if you respect each other, are kind people and support each other's wishes. Once it works well then how does it matter how will it be perceived. People will talk, its the national past time, you cant do anything about it, so focus on what you can control.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1384 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 08, 2024

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Relationship
Hi. I am 47 year old widower and since last one year I am in love with 20 year old girl. We both are from different states, culture and even our eating habits are. She loves my caring nature and I supported her financially without expecting anything (physical relation). Now we both are serious about marriage. Her parents were initially raised concern about age difference but finally they are agree. But I am bit confused if this much big gap in age will harm our married life. She may realise it after some years. Major problem I see in future when we will think about having child..i am confused.. please advice
Ans: Dear Shailesh,
Yes, the age gap might most likely bother her in a few years when she sees you growing older when she finds a lot of younger men around.
You did mention that her parents are concerned about this alliance BUT what about the girl? What does she think of marriage with you? Since she is young, has she had the time to process if the care that you were showering her with is not actually what she has missed from her parents especially her father? You need to be very careful of this one because she could be projecting her lack of love from her parents onto you and then seek it from you!
And you are right to be concerned about children as well...when you are 60 and wanting to slow down, you might still need to push yourself till the child is at least 20...Do the Math...
Do make the girl aware of these concerns that you have and let her decide for herself independently...You will agree that you cannot become a caring figure in her life rather than a husband.

All the best!

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Janak

Janak Patel  |9 Answers  |Ask -

MF, PF Expert - Answered on Dec 10, 2024

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Money
I am 50 years old. For post retirement monthly income I am planning to to park 1 crore lumpsum to avail monthly SWP later. Should I park this lumpsum in one or divide 50 K each in two or three and more and then keep withdrawing 0.5 % from each as swp. Which will be a better option?
Ans: Hi Satish,

Retirement Corpus needs safety and liquidity along with growth as it has to last a long time.

As your complete requirement is not very clear I will mention some numbers to give you an idea and you can plan based on your actual requirement.
Lets say your monthly expense requirement in 50000 per month i.e. 6 lacs per year. This is an amount for the first year, but with Inflation, it will increase each year.
Depending on your risk profile, the Retirement Corpus needs to be invested after prioritizing the 3 parameters - safety, liquidity and growth.

If you have a low risk profile then invest in safe investments - either Debt funds or Fixed deposits - Risk is Inflation will eventually start reducing your corpus.

If you can handle moderate risk then divide the corpus e.g. Keep 75% in growth (with some safety) funds like the Balanced Advantage/Hybrid funds and rest 25% in safe investment such as Debt funds or Fixed deposits from which you can withdraw for monthly expenses.
In your case 25 lacs in safe investment will help manage approximately 4 years of expenses.
The remaining 75 lacs invested in Balanced Advantage funds will continue to provide growth. So if we assume it grows at 8% every year, plan to withdraw 5~8% of your fund and move it into safe investments.

This way you can plan to have approximately 4 years of expenses in safe investments and give the remaining corpus an opportunity to grow to management and stay ahead of inflation.

The above is just a simple view of looking at the Retirement corpus and managing your expenses, but beyond this there are many other aspects that needs to be considered also, such as your health related requirements, your lifestyle requirements, additional goals/responsibilities towards family and life expectancy as you plan for retirement. This will provide you a more accurate and realistic insight into the retirement plan.

Advice you to approach a Certified Financial Planner to provide a comprehensive and customized guidance/plan to you.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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Archana

Archana Deshpande  |89 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 10, 2024

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Career
I am Commerce graduate in which areas can I make my future what are field open for me
Ans: Dear Shree!

Commerce graduates have many career options, I am listing some of them for you-
1.Company Secretary (CS)
A program that teaches corporate governance, company law, compliance, and secretarial practices
2.Chartered Accountant (CA)
A career that involves auditing, taxation, accounting, financial planning, and consulting
2.Investment banker
A career that involves developing financial assets for customers or organizations, and obtaining finance for corporate operations, acquisitions, and mergers
3.Cost Management Accountant (CMA)
A prestigious professional credential that is considered one of the highest-paying career options for commerce students
4.Chartered Financial Analyst (CFA)
A career that involves financial analysis, variant bonds and derivatives, types of portfolios, and investment management
5.Cost accountant
A career that involves assessing cost information, making and maintaining an expenses database, managing cost information, and preparing budget reports
6.Certified Public Accountant (CPA)
A career that involves managing the accounting, reporting, taxation, and auditing processes for businesses, clients, and the government

Some more options for you..
Financial Analyst, HR Manager, Economist, Financial Planner, Actuary, Market Research Analysts, Bank PO (Probationary Officer), Tax Consultant, Teaching students

Can you see the options and the opportunities that are available for you??
You can also focus on further studies too… amassing knowledge and skills can also be your goal.Focus on acquiring wisdom, spend time and energy on worthy tasks, become mentally and physically strong!


Hope this helps… all the very best!

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Anu

Anu Krishna  |1384 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 10, 2024

Asked by Anonymous - Dec 07, 2024Hindi
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Relationship
Hello Ma'am. Can you tell how can I forget my childhood memories. In my childhood everyone taunts me that I don't look like my mother. I don't look good. My mother has fair skin and I don't have fair skin like her. I have listened to this many times and from many people. So all this words is deeply rooted in my mind and I feel less confidence about myself. I am not confident in approaching someone to chat because at the back of my mind this thing's comes automatically. Due to this I have very low self-confidence. I always feel that I am not good looking. This thought automatically comes to my mind. How can I solve this. How can I increase my self-confidence about myself. Please show me ways
Ans: Dear Anonymous,
And by being fair, there's some great advantage that they all have, is it?
I know that it has been pretty unfair on you that you are not 'fair' and the obsession that some families have over skin color is pretty sickening.
Now, this part of your life is under your control. Either ruin it by bringing the past and 'color' it bad or make it 'colorful' by actually challenging what had happened to you. And how do you do that? By actually not reacting to the past labels; they were in your past. If you accept the way you look and flaunt it, then all these comparisons do not matter. But if you keep replaying the saem music from your past, this is going to continue and make it only worse.
So, accept yourself and every time you feel bad, make sure you tell yourself that your past does not define how your present is...again like any mindset change, this will take time to take effect BUT keep powering on...
Only you can be your best friend and hero, that's it...

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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Radheshyam

Radheshyam Zanwar  |1099 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 10, 2024

Anu

Anu Krishna  |1384 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 10, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Relationship
We had an Arranged Marriage, 6 Months ago with minimal period of Courtship before it. My Wife always wants to have her way with almost everything. Whenever there's any disagreement between us, she emotionally manipulates me & I give in. Sometimes, I get frustrated & argue with her. Whenever, I raise my voice at her, she gets upset. She doesn't talk to me, doesn't let me touch her, doesn't respond to any affectionate gestures like Hugs/Kisses & refuses to engage in any kind of Intimacy. Sometimes, she's in this Sulky Mood for days together & even weeks, if she wants to. For Patching up with her, I'd have to shell out a lot of Money. Her Heart melts only when I give her some Expensive Gifts or take her out & treat her lavishly, only then she would come around to make Love with me. I'd always give in to her demands as I want to lead a Peaceful Married Life with her.But now, she's got used to this Pampering & starts sulking quite often and this is draining me Mentally, Emotionally & Financially. I Love my Wife, Dearly & I'd do anything to see her Happy, but now I've begun to Doubt whether she too Loves me to the same extent or whether she's taking undue advantage of my Kind Nature. Please advise me, how to deal with her & sort out such issues, in the further course of our Married Life? I just want to lead a Happy Married Life along with my Wife & raise a Family in a Peaceful Home.
Ans: Dear Anonymous,
You seem to have married someone who refuses to leave her 'toddler' days behind.
She's stuck in a childish zone where she relents and gives in and patches up only when gifted something; reminds you of a toddler?
You have to break this loop that she has created perhaps without her knowledge. Healthy couples sort their differences by communicating, debating and coming to some sort of understanding. So, do not go down the path of whether she loves you or not but be aware that she is used to having her way through the loop.
It's going to start with you; the next time you face the same situation...what are you going to do differently that your wife does not act like a child? How are you going to bring it to a place where the two of you can discuss things rather than have her throw a childish tantrum like she is now?
Move in that direction from the pointers that I have given you and there's bound to be some change; but not overnight...it's going to take some time, so be patient!

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

...Read more

Archana

Archana Deshpande  |89 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 10, 2024

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