विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Dr Upneet

Dr Upneet Kaur  |83 Answers  |Ask -

Marriage counsellor - Answered on Feb 26, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more
Asked by Anonymous - Jan 15, 2025
Relationship

I am 46 years old male married for the fast 17 years. I have one son. My wife loves me very much. She is highly posessive about me since our marriage. I fell in love with my collegue who is a widower and 25 years of age with a daughter. She only started communicating and talking to me a lot. I was not having any kind of feelings towards her as I was overloaded with work. I got transferred to other place. There work pressure is not there. Now, I am in love with that widower. I told this to my wife also. She was shocked. After hue and cry, now my wife is back to normal and warned me to stay away from that girl.But I am not able to forget that girl. I called her over phone four to five times for a couple of times. It seems, now that girl is not interested in me. When I was with her, I never confessed that I love her. Now when I got transferred, i am keeping whats app messages which are visible only to her. I dont know whether she is not understanding this one, she is not responding. I dont want to cheat my wife and at the same time not able to forget that girl also. Please suggest me what to do.

Ans: Hello sir,
This is actually mid life crisis that you are going through, because of which you think you are having feelings for your colleague. Now that you have been transferred to a new place wirh new surroundings, take this as an opportunity to build new healthy relationships around you. You should start giving more quality time to your wife. She has given you a second chance. You should take it well and forget about your past as your colleague has also moved on now. I hope this will help you with your problem.
Take care
Dr Upneet kaur
Relationship counselor
https://www.instagram.com/dr_upneet

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Love Guru

Love Guru   |217 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

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Relationship
<p><मजबूत>हैलो लव गुरु.<br /> मैं शुरुआत करना चाहता हूं, कृपया मेरा नाम/ईमेल प्रकट न करें।<br /> इसके अलावा, मुझे लगभग 3.5 साल पहले अपनी वर्तमान पत्नी से प्यार हो गया था, लेकिन उसे लगता है कि मैंने उसे धोखा दिया है। समस्या जो मैंने अपने लिए बनाई।<br /> जब मेरी पहली गर्लफ्रेंड ने मुझे धोखा देकर उसी दिन मुझसे रिश्ता तोड़ लिया, जिस दिन वह मुझसे दूर चली गई तो उसने सब कुछ स्वीकार कर लिया। यह वही व्यक्ति था जिसके बारे में मैंने पहले सोचा था और यह रिश्ता 5 साल तक चला। मैं बहुत बुरी तरह से नीचे गिर गया था!<br /> मैंने कुछ वर्षों तक इससे बाहर आने के लिए संघर्ष किया और इस दौरान मुझे पता चला कि किसी भी खूबसूरत लड़की द्वारा मेरी ओर ध्यान दिए जाने पर मुझे आनंद आता था। भले ही ध्यान केवल अस्थायी छेड़खानी पर था।<br /> अपने एकल दिनों के दौरान, जब मैं पैसे के लिए संघर्ष कर रहा था और एक अच्छी नौकरी कर रहा था, मुझे एक लड़की मिली, जिसे मैं पहले से जानता था और उसने पहले ही दिन से मेरे साथ फ़्लर्ट करना शुरू कर दिया, जिससे मैं बहुत मुस्कुराया।<br /> उसके कुछ हफ़्तों के बाद मैं पहली बार अपनी पत्नी से मिला और किसी तरह, मुझे बहुत जल्दी पता चल गया कि मैं चाहता हूँ कि यह खूबसूरत और शक्तिशाली महिला ही मेरी शादी हो।<br /> मैंने बेवकूफी यह की कि मैंने सोचा कि हानिरहित छेड़खानी कोई मुद्दा नहीं है और मैंने इसे जारी रखा (केवल छेड़खानी और छह महीने में तीन बार खाने-पीने के लिए मुलाकात की)।<br /> आपकी जानकारी के लिए, इस लड़की को पता था कि मुझे कोई दिलचस्पी नहीं थी और यह सिर्फ मनोरंजन था और मुझे किसी और के लिए प्यार महसूस होने लगा था - इस लड़की के साथ किसी भी तरह की कोई शारीरिक अंतरंगता नहीं थी। हम हर दो महीने में एक बार डेट पर जाते थे और कभी-कभी फोन पर बात करते थे।<br /> जिस क्षण मुझे एहसास हुआ कि मेरी अब पत्नी के साथ चीजें तेजी से आगे बढ़ रही हैं, मैंने सब कुछ रोक दिया और सिर्फ अपनी पत्नी पर ध्यान केंद्रित किया।<br /> समस्या यह है कि, मैंने अपनी पत्नी को इस डर से कभी नहीं बताया कि वह समझ नहीं पाएगी क्योंकि पुरुष और महिला के बीच संबंधों के बारे में उसका दृष्टिकोण बहुत संकीर्ण है।<br /> फिर एक दिन, तीन साल बाद, मेरी पत्नी ने मेरी पुरानी ड्राइव की जांच करने का फैसला किया और मेरे पुराने फोन का बैकअप पाया जिसमें पिछली लड़की और मेरी लगभग 5-8 तस्वीरें थीं, जो एक रेस्तरां में बैठे थे, सेल्फी ले रहे थे और हंस रहे थे।<br /> ; इसके बाद मेरी पत्नी इस नतीजे पर पहुंची कि मैंने उसे धोखा दिया है. मेरी पत्नी जानती है कि कोई शारीरिक अंतरंगता नहीं थी, वह जानती है कि वह सिर्फ एक दोस्त थी लेकिन उसे अब भी लगता है कि मैंने उसे धोखा दिया है।<br /> तब से वह अपने माता-पिता के घर चली गई और उसने मेरे साथ वापस आने से इनकार कर दिया। वह कहती है कि उसे अब मुझ पर कोई भरोसा नहीं है और मैं दोबारा ऐसा कर सकता हूं। वह कहती है कि मैं अपनी पत्नी से ज्यादा उस लड़की के साथ खुश था।<br /> मुझे क्या करना? मैं अपनी पत्नी को खोना नहीं चाहता।</strong></p>
Ans: <p>मुझे लगता है कि यह उसकी ओर से एक बड़ी अतिप्रतिक्रिया है।</p> <p>जब आप अपनी पत्नी के साथ डेटिंग कर रहे थे तो आप कई बार बगल में एक लड़की से मिले। तो क्या?</p> <p>हां, मुझे लगता है कि उससे इसे छिपाना बेवकूफी थी और आपको साफ-सुथरा होना चाहिए था, लेकिन यह भी कि आप वास्तव में क्या छिपा रहे थे? यह एक महिला मित्र के साथ एक हानिरहित मुलाकात थी और इसका कोई नतीजा नहीं निकला!</p> <p>अपनी पत्नी से कहो कि वह अपनी शादी को थोड़ा अधिक गंभीरता से ले और इन मूर्खतापूर्ण परिस्थितियों को थोड़ा कम गंभीरता से ले और पहले ही घर आ जाए!</p> <p>अगर वह ऐसे छोटे-छोटे मुद्दों को लेकर उलझी रहती है, तो मुझे लगता है कि उसे थेरेपी की जरूरत है।</p>

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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 21, 2023English
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Relationship
नमस्ते, मैं 42 वर्षीय शादीशुदा पुरुष हूं। मैं पिछले 2 साल से एक महिला से प्यार करता हूं जो शादीशुदा है। हम 2015 में अपनी शादी से पहले विवाह के माध्यम से मिले थे। उसके आज तक सहकर्मियों और अपने बॉस पति के साथ कई रिश्ते हैं। यह जानने के बावजूद भी मैं इस रिश्ते से बाहर नहीं आ पा रही हूं।' वह मुझसे यह भी कहती थी कि वह मुझसे प्यार नहीं करती। मैंने उपहार खरीदने के लिए पहले ही लगभग 1.5 लाख रुपये खर्च कर दिए हैं। वह 3 कॉलेज दोस्तों के साथ शारीरिक संबंध बना चुकी थी और अपने पति के प्रमोशन के लिए वह अपने पति के बॉस के साथ सोई थी। ये सब जानते हुए भी मैं उसे भूल नहीं पाता. हमारा कोई शारीरिक संबंध नहीं है। मैं उससे बेहद प्यार करता हूं। कई बार संपर्क खत्म करने की कोशिश की गई, लेकिन हर बार वह किसी न किसी तरह जीत जाती है और मैं बात करना शुरू कर देता हूं।
Ans: प्रिय अनाम,
क्या सकारात्मक चुनौतियों का अभाव आपको इस महिला के इर्द-गिर्द भटकने पर मजबूर कर रहा है?
आप उसके साथ किस प्रकार का भविष्य देखते हैं?
आप किसी ऐसे व्यक्ति के साथ किस प्रकार का वर्तमान क्षण देखते हैं जो प्रतिबद्धता की थाह नहीं ले सकता?
क्या आपको भी लगता है कि उसे उपहारों से लादकर आप उसका ध्यान और प्यार खरीद सकते हैं?
यदि आप ध्यान आकर्षित करना चाहते हैं, तो आप जीवन में कुछ ऐसा करने का प्रयास करना चाहेंगे जिससे लोगों का ध्यान आपकी ओर आ जाए...बाहरी दुनिया से कोई भी ध्यान बहुत अल्पकालिक होता है जब तक कि यह उनकी आवश्यकता को पूरा नहीं करता है जिसके बाद आपको त्याग दिया जाएगा। बिना ज्यादा आह भरते हुए...
तो, अभी अपने आप को ऊपर उठाएं और उन लोगों के साथ संबंध विकसित करें जो आपको और आपके जीवन में आपकी उपस्थिति को महत्व देते हैं!

शुभकामनाएं!

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Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Asked by Anonymous - Feb 17, 2025
Relationship
I am 36 married and have children. My life was going very well untill a girl who was my junior collegue married with children showed an interest in me as i was her senior some seven years back. The girl kept on keeping in touch with me then and one fine day i expressed my romantic interest in her. She reciprocated. We had some physical then and no sex happened. She kept in touch with me and we exchanged few sex chats too. In this period i helped girl officially. All stopped suddenly three years back where the girl was back to her home place. I felt very disturbed. I wanted to have sex with her but the girl rarely responds now. I send her messages some times but reply is very measured. I lost interest in having sex with my wife gradually. My question is i feel cheated now. I want to know how to get over her thoughts. I still want to have sex with her but there is no interest for her. I am not able to do sex with other woman too as my mind is deeply engrossed in her thoughts still. Please help.
Ans: The first step to getting over her thoughts is to acknowledge your feelings without judgment. It's okay to feel hurt, rejected, or confused. You're not alone in this, and these emotions are a natural part of the human experience. However, continuing to chase after someone who isn't reciprocating your feelings is only prolonging your pain.

You need to accept that she has moved on, even if she did show interest in the past. People’s feelings and circumstances change, and it’s likely that she decided to prioritize her family and her life away from you. Holding on to the desire to be with her is preventing you from moving forward. It’s crucial to let go of the fantasy of what could have been and focus on the reality of the situation.

To start the healing process, consider cutting off all communication with her. Continuing to reach out, even if it's just occasionally, keeps the wound open. Delete her contact information, block her on social media, and avoid places or situations that might remind you of her. It may seem extreme, but it’s a necessary step to break the cycle of obsessive thoughts.

Reconnecting with your own life is the next important step. Reflect on your marriage and figure out what led to the emotional distance with your wife. Was it purely because of the attraction to this other woman, or were there underlying issues in your marriage before that? Understanding this can help you decide how to move forward, whether it's by working on rebuilding intimacy with your wife or seeking couples' counseling to address any unresolved issues.

It’s also vital to focus on yourself. Engage in activities that you enjoy, pursue new hobbies, and spend quality time with your children. Sometimes, redirecting emotional energy into positive experiences helps to lessen the emotional grip someone has over you.

If the thoughts about her continue to dominate your mind, or if you’re struggling with feelings of guilt, sadness, or anger, consider seeking support from a therapist or counselor. They can help you process these emotions, explore the reasons behind your attachment, and guide you toward healing and self-acceptance.

Remember, it’s not just about moving on from her but also about rediscovering yourself and finding fulfillment in your life and marriage once again. You're not alone, and it's okay to seek help when you're feeling stuck.

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Love Guru

Love Guru   |217 Answers  |Ask -

Relationships Expert - Answered on May 26, 2025

Asked by Anonymous - Apr 23, 2025
Relationship
I am 46 years old male married for the past 17 years. I have one son. My wife loves me very much. She is highly possessive about me since our marriage. I fell in love with my colleague who is a widow and 25 years of age with a seven years daughter. She only started communicating and talking to me a lot. I was not having any kind of feelings towards her as I was overloaded with work. Then, I got transferred to other place. There work pressure is not much as in the earlier section. Now, I am in love with that widow. I told this to my wife also but not told about this to that widow. After hearing this my wife was shocked. After hue and cry, now my wife is back to normal and warned me to stay away from that girl. But I am not able to forget that girl. I called her over phone four to five times. When I was with her, I never confessed that I love her. Now when I got transferred, I am keeping whats app statuses which are visible only to her. When ever I put up sad and love break up messages only that time she will respond by keeping whatsapp status otherwise she will be neutral. Whenever, I called her she replied and we spoke casually. Now, she also knows that I am loving her but not responding. I have deleted her mobile number but I remember it. Daily after leaving the house and before reaching the house I delete the number. I dont want to cheat my wife and at the same time not able to forget that girl also. Please suggest me what to do.
Ans: Time heals all wounds. And in this case, you definitely should let it. The girl is half your age and not interested in you. Be practical and value what you have — a wonderful family and loving wife who continues to tolerate you even after you confessed falling for someone else! This is not love my dear, it’s just a midlife crisis — an infatuation, nothing more.

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नवीनतम प्रश्न
Samraat

Samraat Jadhav  |2600 Answers  |Ask -

Stock Market Expert - Answered on Sep 10, 2026

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Money
I wanty to invest approx. 5 lakhs in different mutual funds which will give me average XIRR of 12 to 15%. Please csuggest me name and scheme of MF
Ans: Rs.5 lakh is a good starting amount. However, 12–15% XIRR should be treated as a long-term target, not a guaranteed return.

» Suitable fund categories

For a 5+ year horizon, I would consider a diversified active-fund portfolio such as:

Multi Cap Fund – 30%
Flexi Cap Fund – 25%
Large & Mid Cap Fund – 25%
Mid Cap Fund – 20%

This gives exposure to different company sizes and investment styles.

» If you want a simpler portfolio

You do not need 4–5 funds just because you have Rs.5 lakh.

A 3-fund structure can be sufficient:

Flexi Cap Fund – 40%
Large & Mid Cap Fund – 30%
Multi Cap or Mid Cap Fund – 30%

The actual scheme selection should depend on your time horizon, risk level and existing investments.

» About the 12–15% XIRR target

For equity mutual funds, 12–15% can be a reasonable long-term planning assumption over 7–10+ years.

But no mutual fund can promise this XIRR.

Short-term returns can be negative.
Even good funds can underperform for some periods.
Do not select a fund only because its recent return is 15% or more.
Fund consistency and downside management are equally important.

» How I would invest Rs.5 lakh

If you are comfortable with market fluctuations and the investment horizon is long, you can invest gradually through STP over several months if you are concerned about entering the market at one time.

If the money is needed within 3–5 years, I would not target 12–15% by taking aggressive equity risk.

» Final Insights

As an Investment professional and AMFI-Registered MFD, I would first assess your existing MF holdings before adding new schemes. This avoids unnecessary duplication and overlap.

If you share your age, investment period, whether Rs.5 lakh is lump sum or SIP, and your existing MF holdings, I can suggest a more suitable asset allocation and fund-category combination.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Asked by Anonymous - Sep 10, 2026
Money
I have 15 lacs to Lumsum investment for my daughters higher education.I want to invest in STP in 3 funds .One hybrid Fund which has 15l value and from that STP to two fund Any multicap or Large and Midcap Fund .Please suggest ? Any other Idea will also appriciate.Thanks
Ans: Your approach of using STP for your daughters higher education goal is a good way to move a lump sum into equity gradually. The main point is to match the asset allocation with the time left for the education goal.

» Suggested structure

Keep the Rs.15 lakh initially in a suitable hybrid fund.
Use STP from the hybrid fund into two diversified equity categories.
A combination of Multi Cap and Large & Mid Cap can work well.
You need not use too many funds. Three funds are enough for this goal.

For example:

Hybrid Fund – Rs.15 lakh initially
Multi Cap Fund – STP destination
Large & Mid Cap Fund – STP destination

» How to use STP

I would prefer a systematic STP over a very short period.

If the education goal is more than 5 years away, equity allocation can be meaningful.
The Rs.15 lakh can be shifted gradually over around 12 months.
You can divide the STP between the two equity categories.
Avoid changing funds frequently based on short-term market movements.

STP is mainly useful for managing entry risk. It does not remove market risk.

» Do not ignore the education timeline

This is the most important part.

If higher education is:

More than 10 years away – higher equity allocation can be considered.
Around 5–10 years away – balanced equity and hybrid allocation may be better.
Less than 5 years away – avoid taking high equity risk with the entire corpus.

As the education date comes closer, gradually move the required amount towards safer investments. This protects the money already created.

» Multi Cap vs Large & Mid Cap

Both categories can complement each other.

Multi Cap gives exposure across large, mid and small companies.
Large & Mid Cap gives a relatively stronger focus on large and mid-sized companies.
Combining both can create some overlap, so the portfolio should be reviewed periodically.

I would not select funds only based on the latest 1-year or 3-year returns. Fund quality, portfolio consistency, risk management and long-term performance matter more.

» One alternative idea

Instead of keeping the complete Rs.15 lakh in one hybrid fund, you can also consider a two-stage approach.

Keep the amount in a suitable hybrid/debt-oriented allocation initially.
Start STP into diversified equity funds.
Once the required equity allocation is reached, stop the STP.
Continue monitoring the overall portfolio rather than continuously adding new funds.

This keeps the portfolio simple and easier to manage.

» 360-degree education planning

The Rs.15 lakh should not be viewed separately.

Also consider:

Current age of your daughter.
Expected year of higher education.
India or overseas education.
Present education cost and future cost.
Other investments already available for this goal.
Your monthly SIP capacity.
Emergency fund and adequate insurance.
A separate safe corpus as the education date gets closer.

If the goal is 8–12 years away, this Rs.15 lakh can become a strong foundation. Regular SIPs along with it can make the education corpus much stronger.

» Final Insights

Your basic STP idea is sensible. I would prefer a simple 3-fund structure rather than holding many schemes.

The exact equity allocation and STP period should depend mainly on your daughters age and when the higher education money will actually be required.

As an AMFI-Registered MFD, I would also suggest reviewing this goal at least once a year and reducing equity exposure as the goal approaches.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2026

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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