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Torn between Masters degree in the US and Arranged Marriage in India: 27-year-old woman seeks advice

Ravi

Ravi Mittal  |296 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 04, 2024

Ravi Mittal is an expert on dating and relationships.
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Asked by Anonymous - Sep 03, 2024Hindi
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Relationship

I'm 27F, planning on doing Masters in the US to better my career. By the time the course begins I'll be 28+. It'll take me 2 years to complete the degree and settle down, I'll be 30+ by then. Parents have already found a good guy for my marriage here in India, I like the prospect too, but if I marry I'll have to drop my masters and try something else for my career here in India which will be tougher and also I'm worried that I might not get such a suitable match later on. What should I do?

Ans: Dear Anonymous,

It's a big decision and I understand you are torn between the options in front of you. I wish I could pick one for you and make the decision easier, but it is you who has to decide. But I can help you in making the right choice.
There are a bunch of questions that you can ask yourself, and once you answer them honestly, you will have the solution to this problem-

First of all, think about your long-term career goals. Will getting a master's degree in the U.S. have a significant impact on your career? Would it open up opportunities that would be otherwise unavailable?

Second, how important is this career decision for you- if you don't do this and settle for getting married, would you regret it?

Third, how ready are you to get married? Are you thinking of getting married because of family pressure or are you worried you might not find someone if you choose a career over this proposed man? It's important to understand this because if these are your reasons, they are not the right ones.

Fourth, is there no way to get both? There are great institutes in India where you can pursue your master's degree. Just in case you don't want to gamble and decide to get married to the man your parents picked for you, why not look for an alternative pathway?

There's another option, you can discuss with both your parents and your potential partner about your ambition and move. If this man is truly a good match, he should support your educational and career aspirations. Maybe a clear discussion will help you find a middle ground and balance both your career and your future with him.

Best Wishes.

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Anu

Anu Krishna  |1155 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

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Relationship
Hi Anu, I am 30 years old girl and for the past three years, I have been in relationship with a guy who is two years younger to me. He is Marwadi and his parents are not agreeing to our marriage. I have tried breaking up with the guy several times and tried moving on but he always keeps saying that his parents need some time. My BF is a genuine guy and he loves me a lot.My parents on the other hand want me to get married by the end of this year. I am really confused if I should wait for my BF or listen to my parents and get married by their choice. I am unable to understand what to do. I am really depressed. Will it be really late if I get married after 30 or is it okay to wait for my BF?Please help me out.
Ans:

Dear AY,

And is your boyfriend also really depressed like you are?

Is he also desperate to get married?

Is he afraid of talking to his parents?

Does he also want to get married and settle down?

Is there a future for the two of you?

If the answer to each is a YES, please have that ‘uncomfortable yet firm’ conversation with your boyfriend.

Being in a limbo isn’t great, so please ask him how much time he needs to talk to his parents and when he is going to talk to them and how serious is he in this relationship?

Else, it will be an endless wait and that is what seems to be getting to you, the uncertainty.

So, by getting a clear commitment on the WHEN, will eliminate this stress that is eating you away. Things will get clearer, and you will know what to do!

..Read more

Sushil

Sushil Sukhwani  |549 Answers  |Ask -

Study Abroad Expert - Answered on Apr 22, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Career
I'll be 24 this year, i had completed my btech in 2022 in ece. I got a job and within 4 months, i lost my job due to background verification( i haven't submitted one document), i lost my hope because i am trying to find a job since then. This year i got an internship for 6months. Now i wanna pursue my masters in Usa in IT. I scored good in gre and duolingo.I want to study MS. My father wants me to get married but iam still not ready to. So i wanna settle in my career first, then get married. Can you give me suggestion on what is the right choice for me?
Ans: Hello,

To begin with, thank you for contacting us. You appear to have had some ups and downs, but your determination is admirable. To answer your question first, I would like to let you know that having scored well on exams viz., the GRE and Duolingo, studying a master's in IT in the USA can be an excellent choice to enhance your job opportunities. In order for you to make the right choice, I would recommend that you take into account the following:

Firstly, consider your professional objectives. Think about whether an Information Technology (IT) master's degree will resonate with your long-term professional goals? To ensure that the investment is profitable, I would recommend that you investigate the labor market as well as the demand for IT specialists in the domain of your choosing. Remember that pursuing further education overseas can be a costly affair. To finance your own education, I would suggest that you take into account your monetary condition as well as look into possibilities for scholarships, monetary assistance, or part-time employment opportunities. Concerning your query that your father wants you to get married, I would recommend that you openly talk to him about your priorities. State your wish to focus on your job before marriage, and explain how seeking further education will help you advance your career and secure your future. I would like to tell you that your internship experience can offer meaningful insights into the sector and assist you in deciding as to whether IT is the best career route for you. Think about how your internship best resonates with your professional objectives and whether it has played a role in your choice to pursue a master's degree in Information Technology (IT). In order to acquire knowledge into the market trends, employment opportunities, and the importance of a master's degree in your preferred field of study, I would recommend that you seek guidance from employment consultants, instructors, and experts in the domain of information technology. Lastly, the choice you make should best resonate with both, your individual and professional objectives. I would suggest that seeking a master's degree in the USA could possibly be the best option for you if you are eager to pursue higher studies in information technology and believe that it will result in more employment prospects.

For more information, you can visit our website.

..Read more

Anu

Anu Krishna  |1155 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 11, 2024

Asked by Anonymous - May 20, 2024Hindi
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Relationship
Hi there, I have many things going in my life right now and I’m confused what to do, first thing I’m in a relationship with a man who’s 7 years older than me and is also not earning much, we are from different religions. Now as I’m 25 my parents are asking me to get married but some how I’m avoiding it, I’m currently living with them and I’m constant with growth in my career so they also want me to look for better opportunities. The thing is my boyfriend is also in the same city and I’m sad about going far away. He’s very supportive and motivates me to look further opportunities. But again my parents want an answer from me about marriage. And I discussed with my boyfriend as well and he understands that too but he doesn’t want to marry me.
Ans: Dear Anonymous,
When he does not want to marry you, then what makes you waste so much time on him?
Move on with your life; it's not about getting married like the way your parents intend BUT more a signal to yourself to stop in your tracks and focus on what's important to you; your life...

He can be a good friend still supporting you (If the two of you can find that maturity) and you will both be able to walk on your own paths which isn't happening now. When he is clear that he is not going to commit to it, it should be enough data for you to look into yourself and know that you are trying hard to make something happen that does not want to happen. Making sense here?

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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Asked by Anonymous - Sep 15, 2024Hindi
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I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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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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