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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on May 29, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Biswa Question by Biswa on May 29, 2023Hindi
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Sir My father bought a plot 8m 1950 or 1952. Constructed a 2 BR house in a town in east Bardhaman. My father died in the year 1954 or 55 when I was class 6. My mother died in 2003. In the record of land 3 brothers name shown. We have sold some part of the land in 2 installments and now all brothers wants to sale balance portion. Since no amount is known for cost of land and house construction how to index and arrive at LTCG for me a Sr Citizen.

Ans: To get the valuation of your plot in India through government-provided data on the internet, follow these steps:

1. Visit the official website of the relevant government authority responsible for property valuation.
2. Look for the section or service related to property valuation or land records.
3. Access the property valuation service and provide accurate plot details.
4. Retrieve the valuation information displayed on the website, including market value and other relevant factors.
5. If necessary, follow the instructions to request an official valuation certificate.

Please note that online property valuation data availability and accuracy may vary, so it's advisable to refer to official government websites and consider consulting a professional or local Revenue Department for further assistance.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Hi, I love both my parents and my boyfriend. But my parents just cant seem to accept the fact that i have a boyfriend. At almost every stage in life, be it career, relationships, i am standing at the line and choosing whether i should choose myself and do what i want to do or should i choose what my parents say. I know they mean well for me and they want my good, but is it always have to be that way? Why do i always have to choose? I am sick and tired of hiding things from my parents but if i don't, they will intrude in my life and then everything goes haywire. is it too much too ask for acceptance? and even if i choose myself at any given time, there is this guilt of disobeying my parents that eats me alive. I am really at the threshold here.
Ans: You don’t actually want to choose between your parents and your boyfriend.
You want both love and autonomy. And that is a fair need.
The reason it feels so heavy is because you’ve been conditioned to believe that choosing yourself means hurting your parents. So even when you do something right for your life, it comes with guilt.
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Relationships Expert, Mind Coach - Answered on Apr 26, 2026

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I miss privacy after marriage. I moved in to my husband's house after our marriage last year. But but adjusting to a joint family has been harder than I expected. There is always someone around so I have to dress appropriately. Relatives walk into our bedroom without knocking. Their rules are very different from ours. I have grown up with a lot of independence in what I wear, eat etc. Here, I have to cook at least one meal, sometimes for unexpected guests and compromise over what I eat. I moved in hoping to live with and love his family, but this lack of personal space and independence is making me irritable and anxious. Our thoughts and principles don't match. My husband has taken a huge loan to buy this house, so he will not agree to move out. How do I talk to my husband about how I feel trapped here?
Ans: What you’re experiencing feels overwhelming because it’s new to you, not because it is “wrong” in itself. In many joint families, things like shared spaces, open movement in the house, less privacy, and collective responsibilities are quite normal. People grow up with that system, so for them it doesn’t feel intrusive—it feels like family closeness.
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This is also something that ideally should be discussed before marriage, but since it wasn’t, you are now learning and adjusting in real time—which is understandably difficult.

Now the goal is not to reject the joint family system or force yourself to accept everything silently. The goal is to find a middle ground where you can function without losing yourself.

When you talk to your husband, acknowledge his reality too. That will make him more open to hearing you. You can say something like:
“I understand this is how your family has always lived, and I respect that. But for me this is very new, and I’m struggling to adjust to the lack of personal space. I don’t want to disrespect anyone, but I also need some space to feel comfortable.”

This way, you are not attacking his family—you are explaining your adjustment challenge.

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Some flexibility in daily expectations
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Relationships Expert, Mind Coach - Answered on Apr 26, 2026

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Ans: First, let me say this clearly: your desire is normal. Wanting intimacy, closeness, and a sexual connection with your husband is not “too much” or “wrong.” Being repeatedly rejected and then blamed for it can slowly damage your self-worth, and that’s what you’re feeling now.
But we need to separate a few things to understand what’s really happening.
Your husband’s lack of sexual interest for 2 years is not something to ignore. It could be due to multiple reasons—stress, hormonal changes, mental health issues, guilt, unresolved emotional conflict, or even disconnection from the relationship itself. But the real concern is not just the lack of sex—it’s that he avoids the conversation, shuts you down, and turns it back on you.
That creates a cycle where:
You feel rejected → you try to connect → he withdraws or blames → you feel worse → trust breaks further.
On top of this, there is unresolved trust damage from his past involvement with another woman. Even if he calls it “friendship,” the fact that it broke your trust and was never repaired properly means that wound is still open. Without rebuilding trust, emotional closeness cannot return—and without emotional closeness, physical intimacy often disappears.
Right now, you are living in three layers of pain:
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That’s why it feels like you’re stuck.
Now, what can you realistically do?
You cannot force desire.
You cannot beg for intimacy.
And you cannot rebuild trust alone.
But you can change how you approach this.
Instead of focusing only on sex, shift the conversation to the relationship itself. At a calm moment, not during rejection, speak very directly but without blame:
“I am not just missing physical intimacy. I am feeling emotionally disconnected, rejected, and confused. I don’t want to fight, I want to understand what is happening between us.”
Watch his response carefully. Not just words, but willingness.
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You are trying to sustain a relationship where your needs are consistently dismissed.
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Do you feel emotionally safe with him anymore, or are you constantly second-guessing and shrinking yourself?
Because intimacy doesn’t return in an environment of doubt, fear, and blame.
You have given 23 years to this relationship.
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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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