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Help! My parents want me to get married or they'll frame my boyfriend

Kanchan

Kanchan Rai  |581 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
BharathiN Question by BharathiN on Feb 14, 2025Hindi
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Relationship

I am 17 and my parents are threatening me to get married or they will put my bf in some fake cases, without my knowledge they fixed the date and my boards exams are approaching im really scared no one is supporting me in my family what shall I do ?

Ans: No one should be forced into marriage, especially when you're so young and trying to focus on your education. You have rights, and it's important to remember that child marriage is illegal. You are not alone, and there are people and organizations that can help you.

Since your safety and well-being are the priority, try reaching out to a trusted teacher, school counselor, or another adult you trust. They can help you navigate this situation and provide the support you need. If you feel unsafe or need urgent help, consider contacting a child protection helpline or a legal aid organization in your area. They are trained to handle situations like this and can provide you with guidance and protection.

It's crucial to stay calm and gather as much information as possible. If it's safe, keep records of any threats or conversations related to this issue. If you feel comfortable, try having a calm conversation with your parents about your concerns and how this is affecting your mental health and education. Sometimes, approaching the situation from an emotional and respectful perspective can help, but only do this if you feel safe doing so.

Your education and future are important, and no one has the right to take that away from you. If you need more support or guidance, let me know. You are strong, and you will get through this.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1595 Answers  |Ask -

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

Asked by Anonymous - Apr 06, 2024Hindi
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Relationship
hii im 18 yrs old ..my parents found out about my bf.. actually they have caught me 5 to 6 times and always told me to leave him.. and i used to leave him but after sometime we again get reunited .. my parents have snatched my phone and telling me whether to choose them or my bf.. they are telling me to live in their house according to them otherwise i should leave their house.. i love both of them so much i got my bf after lot of struggles and fights .. i dont know what should i do..my bf is also from another religion and now my parents are telling me that they will not let me study further and will take me to my hometown forever and will get me married their with someone else
Ans: Dear Anonymous,
At 18 when you are still emotionally immature and financially not yet stable, what else do you expect your parents to do?
They are doing what they think is the right thing for you to keep you safe. My suggestion would be to focus on what must matter to you most at this age; your studies...put down your goals and stick to them...
As cruel as it may seem to you that the whole world is against your association with the boy, remember that you have a life ahead of you that will give you the necessary space for such a relationship...so work towards yourself first, so that when you actually get into a relationship, you know that it is right for you!
Right now, you know that your parents may very well pull you out from studies and there goes your dreams of a better future...So, please stop being foolish and step up for yourself and do what's right for you!

All the best!

..Read more

Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2024

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Relationship
Actually we both want to marry each other. But as he is younger than me so I was waiting for him to finish his studies and be of age to get marry. My parents have a problem with him first he is younger then he was my student once. They don't have their own house. It's the points what my father says to me and he says he knows something else also but he doesn't want to tell me. but we do elope from my house once because my father was retiring and it's my thoughts that he will now force me to marry someone else. At that time he was underage and not stable I was also not earning his parents convinced me that they will talk to my parents once he gets of legal age to marry and they inform my father to come and get me. There my father told them once my partner gets of age and if we both still wants to marry he will perform the rituals. But after that once I came back my home my father what he had told. I was previously depressed again It triggered me. Then my parents have done everything thing from astrologer to baba they was convinced I am hypnotized by my partner. I have tried many times to make them understand. Till today they never leave me alone at home. I am not even allowed to go out to shop alone. If I say so my mother sees me with questioning look. They thinks I will elope again. I am not allowed to take decisions till now. My mother take all decisions and she has told us this that if you want to live here you should live the way we want. I have two younger siblings everytime when I say them I will only marry him they trigger my younger siblings. Last time when his parents call to my father my father says false things about his mother. I don't know he may be interpreted wrong. But I was then convinced I will leave this house at last moment my father says things to me like if you want to go you can but I will call him and his parents I will insult them in whole society I will shave my head and told everyone it's because of you or I will kill him or I will kill myself and whole family. Them my mother started crying you want to spoil your younger ones lifeyou are this that. And I lost all my confidence all courage. Now my partner's work is growing so I have again gain courage I have decided to talk to my parents that I will marry and I will bear all consequences. It's my life and my marriage should be my decision. My father has said he will think. But I have decided I will talk to him again and again. But I have fear if he doesn't agree what will be my next step. I do want to marry. And I want family kids.
Ans: Dear Anonymous,
Kindly stop getting lost in all these details; then you start to lose sight of what the challenge actually is. It starts to become a very filmy drama and then you will become part of it and start to indulge in it and not move to a solution space.

If you think he is the right person, then do not make him wait any longer...But, what is interesting in your details is the fact that your parents feel that he 'hypnotized' you?
Is it possible that they have picked on something not okay and don't know how to stop you and say things like hypnotize etc? Are you absolutely sure that this person is genuine and the one for you? If YES< you know what is to be done...
I am still curious, the way you have been writing long notes here to me explaining how your family is not okay with this and why they are doing this and that, what exactly is making you wait? Are you still unsure and have your doubts? Why would anyone wait this long if they love a person so much like the way you say that you are? Kindly think...

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

Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Relationship
hi maam im in love with a guy who i met in hyd im 24 nd he is 28 we wanna marry eachother and we love eachother alot maam he comes from a hindu family and i come from a christian family in my family there are 16 members who have had love marriages nd are happy in their respective lives but when it comes to me my parents and my family always force me to get married to a guy of their choice i have been dealing with all this since 1 year i took help of my relatives also who have had love marriages but no body is ready to listen to me and they r threatening to kill my boyfriend im not at all happy with all this situations maam im getting panic attacks nd not able to sleep peacefully at night my family r calling my bf nd threatening to kill him im crying begging pleading but no body is supporting me or listening to my words nd my entire family r brainwashing me to leave my bf and get married to a christian guy my mom always let my family get interfere in my personal and professional life and seperate me from my career nd my bf they did it maam now my mom and my family r not letting me focus on my career and my mom forcefully bought me to my native place nd took my mobile also nd not letting me see my bf meet him or talk to him and not letting me work and my parents nd my family are mentally harassing me everyday to leave my bf maam what should i do plz help
Ans: Dear Niveditha,
What can you do? Your family is still living under the rock. Your phone has been taken as well! There is no way for you to even consult with your boyfriend and sort the issue out, I guess.
The only thing I can think of is your safety and his at this point in time. You really need to think of what your family is doing; what are these threats? Are they for real?
If there's a way to communicate with your boyfriend, tell him to lay low for a while and you do the same. At times, giving slight rest to a problem can allow people around to become a bit calmer after which you can possibly talk to them and then come to a decision.

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

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Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
Hi Sir, I have a property in Mumbai suburb (approx 40L) and its location is perfect near station, bus stop, heart of the city etc. It's very old around 36 years old. I have just inherited it and I am finishing the legal procedure of it. The monthly maintenance is increasing every year and we are still waiting for redevelopment to happen. I am housewife and require monthly income. We also have loans around 25 L. My husband is int IT field and I am German language expert. We have a son 3 years. Some are saying to give it on rent and some are saying to sell it off for repaying loans. Even if I sell it I would like to reinvest it somewhere for getting monthly income, preferably a property. I want a secure investment for meeting the requirements for my son's education as my husband's field is very volatile due to regular layoffs and stuff. Kindly guide
Ans: You have inherited a 36-year-old property worth around Rs 40 lakh.
You have Rs 25 lakh loans to repay.
You are a housewife but a German language expert, and your husband is in IT.
You want monthly income and secure future planning, especially for your son.

You have inherited a valuable property in Mumbai suburb.

You are completing the legal formalities rightly, which is very important.

You are thinking ahead for monthly income, child education, and loan repayment.

Very few people show this kind of foresight. You deserve appreciation.

Challenges You Are Facing Now

Property is old, around 36 years, and needs maintenance.

Maintenance charges are rising every year, increasing burden.

Redevelopment is uncertain and unpredictable.

You have Rs 25 lakh loans creating stress.

Husband's IT field is unstable due to layoffs.

You want a secure monthly income and financial stability.

Option 1: Giving Property on Rent

You can earn monthly rental income by renting it out.

Typical rent may be around Rs 8,000 to Rs 12,000 per month.

Rental yield will be hardly 2%-3% on Rs 40 lakh value.

This is very low compared to your needs and loan burden.

Maintenance charges, property tax, repairs will further reduce your income.

Vacancy risk is also there if tenants leave.

Overall, rental income may not fully support your financial goals.

Option 2: Selling the Property

Selling can give you around Rs 40 lakh.

You can immediately clear Rs 25 lakh loans.

After repaying loans, you will still have around Rs 15 lakh.

Loan closure will bring huge mental peace and cash flow freedom.

No more EMI burden means husband's salary can be saved better.

You can use balance Rs 15 lakh wisely to generate monthly income.

Important Insights on Redevelopment

Redevelopment can take 5-10 years easily.

Many projects get delayed due to disputes and permissions.

Till redevelopment happens, maintenance and repair costs rise.

You may have to stay invested without any income for long.

Your immediate needs for income and loan closure will not be solved.

Depending on redevelopment alone is very risky at this stage.

What You Should Ideally Do

Prefer selling the property now while market is still decent.

Clear all Rs 25 lakh loans fully and become completely debt-free.

Debt-free life is the biggest financial freedom you can gift your family.

With balance money, create a secure income plan.

Stay light without property burdens and maintenance worries.

Focus on building an education corpus for your son and retirement corpus.

Where to Invest After Selling

Do not buy another property immediately for investment.

Property rental yields are low, and liquidity is very poor.

Instead, create a mix of debt mutual funds and hybrid mutual funds.

These can give you monthly income using Systematic Withdrawal Plan (SWP).

This method protects your capital and gives you flexible monthly payouts.

Debt mutual funds can provide 6%-7% returns safely with low risk.

Balanced advantage funds can give 8%-10% returns over 3-5 years.

Always choose regular mutual fund plans through a MFD who is also a Certified Financial Planner.

Why Not Property for Reinvestment?

Property is illiquid; selling it again takes months or years.

Property has heavy costs like stamp duty, registration, brokerage, repairs.

Rentals are taxed fully as income, eating away returns.

If tenant defaults or property is vacant, you get zero income.

Maintaining property is a headache, especially in old buildings.

Mutual funds offer better flexibility, better tax-efficiency, and better liquidity.

Disadvantages of Direct Plans (Important for You to Know)

If you invest in direct mutual fund plans yourself, you miss expert guidance.

Wrong fund selection, wrong withdrawal rate can destroy your capital.

Regular plans through a CFP-backed MFD give proper fund selection and review.

Charges in regular plan are justified because it protects your long-term wealth.

Getting professional hand-holding is very important for your peace of mind.

Additional Steps You Must Take

Keep a separate emergency fund of Rs 3 lakh in liquid mutual funds.

Buy a good term insurance cover for husband (at least Rs 1 crore).

Ensure you have a good health insurance for the whole family.

Start a small SIP for your son’s education goal systematically.

Slowly explore freelancing as a German language expert to earn extra income.

Future Planning for Your Son

Education costs are rising 10%-12% every year in India.

For good education after 15 years, you will need a large corpus.

Start small SIPs in good mutual funds focused on child education.

Stay committed for long-term without withdrawals.

Education planning must be top priority after loan closure.

Final Insights

Renting out the old property will not solve your loan and income issues properly.

Selling the property now and clearing the loans is the better, safer step.

Remaining money should be invested wisely for monthly income generation.

Avoid buying new properties now. Focus on mutual fund income plans.

Build emergency reserves, insurance covers, and an education fund for your son.

Stay light, stay debt-free, and keep life flexible financially.

Your thinking is already mature. With correct action, your future will be very secure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 28, 2025
Money
Could you tell me the ideal stock quantity for me as I am investing 10k in each stock and I get minimum 30 percent return so I am not happy with reward. FYI my portfolio is of 5 Lacks investing since 2017.
Ans: You have a Rs 5 lakh stock portfolio.
You are investing Rs 10,000 in each stock.
You are getting around 30% returns, but you are not fully happy.

Let me help you with detailed insights.

Appreciating Your Journey So Far

You started investing in 2017, which shows good discipline.

Growing the portfolio with regular Rs 10,000 investments is a smart habit.

Earning 30% returns is not bad, especially in Indian stock markets.

Many investors struggle even to beat inflation in long-term investing.

You deserve appreciation for steady progress and patience.

Understanding Your Concern

You want even better returns than 30%.

You feel Rs 10,000 in each stock is limiting your potential.

You are looking for an ideal number of stocks for higher growth.

Ideal Number of Stocks to Hold

If portfolio is Rs 5 lakh, then having 15 to 20 stocks is healthy.

Less than 10 stocks can make portfolio risky and unstable.

More than 25 stocks will dilute returns and weaken performance.

Around 18 stocks can give you good balance of safety and growth.

Each stock can ideally carry 4% to 7% weight in your portfolio.

Problems of Over-Diversification

Holding too many stocks reduces focus.

Monitoring all stocks becomes difficult.

Even if some stocks do well, overall portfolio may not reflect it.

Returns get pulled down when poor stocks dilute the strong ones.

Problems of Under-Diversification

Too few stocks increase risks sharply.

Bad performance of one stock hits portfolio badly.

Emotional decision making becomes harder.

Volatility can become scary during market falls.

Fine-Tuning Your Approach

Increase your per stock investment slightly to Rs 15,000 to Rs 20,000.

Focus on holding 15 to 20 strong companies across sectors.

Prioritise companies with strong balance sheet and consistent profits.

Look for companies with leadership in their industries.

Reduce churning of stocks; stay invested patiently.

Sector Allocation Guidance

Allocate across banking, FMCG, pharma, IT, auto, and energy sectors.

Avoid over-investing in one sector or theme.

Always maintain sector diversification for stability.

Reviewing Your Return Expectations

Expecting more than 30% return consistently can be risky.

Stock market returns move in cycles.

In good years, 40%-60% returns may happen.

In bad years, even negative returns can occur.

Long-term average return expectation should be around 12%-18%.

Identifying the Real Issue

30% growth is a strong outcome compared to bank FDs and debt funds.

If you feel unhappy, maybe it is because of high expectations.

Managing emotions is key to wealth creation.

Recommended Action Plan

Stick to around 18 focused high-quality stocks.

Increase amount slightly if you find very strong companies.

Focus on strong fundamentals, not just price movements.

Rebalance portfolio once in a year to maintain sector weight.

Invest fresh money slowly when good opportunities arise.

Additional Important Points

Don't take high risks to chase higher returns.

Wealth building is a marathon, not a sprint.

Stay disciplined and trust your process.

Consistency will reward you richly in next 5-10 years.

Final Insights

Holding around 15-20 carefully selected stocks is ideal for you.

Focus more on quality stocks than chasing return numbers.

Growing wealth steadily is more important than chasing quick profits.

Stay invested with a cool mind, and you will achieve great success.

Celebrate your discipline till now and keep improving step-by-step.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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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