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Dr Upneet Kaur |21 Answers |Ask -Follow

Marriage counsellor - Answered on Mar 25, 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 - Mar 18, 2025

Relationship

I am 21 years old girl and I am preparing for my banking exam. I have completed my bachelor's and currently I am pursuing m.com . I am having an affair with a guy who is married having two children and we have together spent 4 years. We love each other alot and he also takes care for me everytime. My mother abstained me from talking to him last year as we committed her that we want to marry but now everything is ok My mother is also talking to him and I am also . My mother is not agree with this marriage but his mother is agree . What should we do now???

Ans: Hello mam,
I understand your dilemma mam. Let's look at both aspects of this relationship.

If you go ahead with this relationship, what have you thought about his previous family? His marital status and family commitments can't be ignored. Have you considered the potential impact on his children and wife? Their life will be ruined and kids future will be at stake.

Secondly, your mother concern is very important and correct. The person who already has family commitments will not be able to invest the same amount of financial and emotional resources in your relationship.

I understand that you have invested four years in your relationship and you both care for each other. But in this case, it is advisable for both the families to sit and discuss every aspect and problems of this situation. The situation will get clear and you ll be able to take a better decision. You can also try couple counsellings.

In case the things dont work out then accept the reality and move on gracefully and welcome the opportunities that are waiting for you with open arms.
Take care !
Reach me:
https://www.instagram.com/dr_upneet

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Ravi Mittal |555 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 30, 2024

Question by Chetna - May 30, 2024Hindi

Relationship

I am 30 years old. My marriage was going to be finalised with a guy of 32 years but his mother denied the match because our kundli don't match and it shows he will die if I marry him and apparently there is no puja that can stop it as per his mom 's version. The guy says he loves me but never had taken a step to stand up to his mom. Also a fact to mention is he has been raised by single mom as his dad died when he was born so he says he can't say anything to his mother. So when his mother denied our match, I stopped texting him. But he started talking, wants to meet, confesses of love , even asked me to let's go and marry in court without telling our families. And while he confesses this , his mom is searching other girls for him and he is seeing them. It is difficult for me to move on . But this is also hurting me whenever I text him or talk to him. What should I do?

Ans: Dear Chetna,

I am really sorry that you are in such a situation. I assume that you understand why his mother is giving into age-old superstition and why he could not stand up against it. And I appreciate your understanding. Having said that, I would suggest you sever contact with him. He could not go against his mom's wishes but can continue messaging you, how is that fair to you? I know it hurts now, but it is best to disconnect with him completely if you want to move on. Being in touch and hearing him confess his feelings are not very helpful.

There are two things that you can do-
One, you tell him to stop contacting you. He isn't going to marry so, and that leaves him with no right to bother you.
Second, you can tell your parents and his about this. Let them sort it out.

It might sound harsh or petty, but it has to be done because soon he will be married off to someone else, and you will be left with the memories of him expressing his love. You deserve better.

Hope this helps.

Ravi Mittal |555 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jun 26, 2024

Asked by Anonymous - Jun 12, 2024Hindi

Relationship

Hey, I was in serious relationship with my boyfriend, we both discussed it with our family. He is a Jat and I a Brahmin. Both the families denied. My mother’s reactions was very rude and she kind of emotional blackmailed me. I have only my mother in my family. After that I tried many times to breakup with him, but everytime we end up being together. Now again his family is forcing him to get married but I am not ready yet to talk with my mother again. What should I do?

Ans: Dear Anonymous,

I understand that convincing your parents can be the toughest job ever. If you are not ready, you should communicate that to your partner. Make him understand your concerns. Now, since he is in a tough spot too, you should listen to his side as well. Both of you can sit together and find a middle ground that works for you both. Communication will help avoid misunderstandings. Let him know that you want this, but you need some time. Also, hear what he has to say. Maybe he is truly out of time. Figuring out an issue together is much better than trying to figure it out alone.

Best Wishes.

Kanchan Rai |566 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 17, 2024

Question by Lavanya - Jul 11, 2024Hindi

Relationship

Hi mam I loved a man who i thought a good guy for 5 yrs later i came to know he is cheating me only for physical not to marry where he told we wil have future together but i made problem and asked him to marry me but his family and he influenced with his moms decision What shal I do i don't know what to do i thought he is my life now his mom plan him to marry someone else.. What should i do

Ans: Hello Lavanya
It's important to take care of yourself and focus on what you need and deserve in a relationship.

Firstly, give yourself some time to process what has happened. It's okay to feel hurt, angry, and betrayed. These emotions are natural when someone you trusted has let you down. Allow yourself to grieve the loss of the relationship and the future you envisioned.

Talking to a trusted friend or a therapist can be incredibly helpful during this time. They can offer support and a listening ear as you work through your feelings and decide your next steps.

It's crucial to recognize your own worth and what you deserve in a relationship. You deserve someone who respects, loves, and is committed to you wholeheartedly. If this man has shown that he isn't capable of that, then it might be best to let him go, even though it's difficult.

Moving forward, focus on your own well-being and happiness. Engage in activities that make you feel good and help you regain your sense of self. Surround yourself with people who support and care for you.

In time, you'll find clarity and strength. Remember, this experience doesn't define you or your future. You deserve a loving and honest relationship, and by prioritizing yourself now, you'll be in a better position to find it in the future.

Kanchan Rai |566 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Asked by Anonymous - Oct 24, 2024Hindi

Relationship

HI ma'am, i am 30 years old women. I hv never been in any relationship with anyone in my life. But from one year 4 months I'm talking with my cousins neighbor, we both became good friends.6 months ago we decided to get into relationship. We both are in a very good relationship, we are very very happy with each other. He is my home and I'm his home, But the most serious issue here is He is married and have 4 year old son. But they both are not living together from past 2.4 years because they both have issues with each other and with each others families. 8 months back he went to court asking his wife to come back to him because his lawyer suggested to not to send divorce notice directly in the beginning itself. But now she is not willing to come back to him, Her lawyer said that she want Alumnae. my bf is very good guy he loves his son ,he don't wanna give any money to his wife because he is feeling like giving money means accepting that he made some mistake, But he didn't made any mistake and we all know him very well. And also he love me so much. but now in mean time i got match, My parents got this match through my brother in law, they are forcing me to get married to the alliance guy, But I'm not at all interested. My BF divorce is still in pending. my parents are forcing me to marry a guy . i told to the alliance guy that i don't like him, But he is not telling it to anyone and forced me to get married to him. what should i do?

Ans: Since your boyfriend's divorce is still in the process and there are unresolved issues with his wife, it’s important to be realistic about the timeline and possible complications. Divorce proceedings can be lengthy, especially when financial matters and custody are involved. It may also be challenging for him to fully commit to a new relationship while he's handling these issues. This period can give you both the chance to think through your future together carefully and see if it aligns with your values and goals.

With the family pressure, it can help to calmly explain to them why you aren’t ready to move forward with the arranged match right now. If you feel comfortable, you might express that you need more time to consider what you want for your future. Remind them that their support in finding a fulfilling relationship is important to you, and rushing into a marriage when you’re not ready or interested may not lead to happiness for anyone involved.

This situation is about respecting your own feelings while also managing family expectations, which isn’t easy. Give yourself the time you need to weigh your options and avoid rushing into any commitments. It’s okay to put your own happiness and well-being first, and if you need more time to let things play out with your boyfriend’s divorce, be clear with yourself and your family about that. This decision is deeply personal, so whatever path you choose, make sure it aligns with your true feelings and future vision.

Latest Questions

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025Hindi

Money

Hello sir, I am aged 39 years with job of income 1L per month. Monthly investment of 15k in SIP, including 5k in liquid fund to meet my short term expenses like insurance. I have around 3l invested in SIP. I have 2 houses with him loan of 60 lakhs with emi of 33k. Monthly expenses of around 20k. Credit card expenses of around 10k. I have no savings. I have 2 kids. I am planning to sell 1 house, but still not been successful, since I think I have overinvested. I have no money to meet my short term or urgent expenses. Please advise how can I become stable.

Ans: Hello;

Isn't it possible for you to rent out the second house and use the rental income to boost your investment?

If the rentals are not good enough then it makes sense to sell the second house and utilise funds to close home loans and invest for higher education of kids and retirement.

Getting out of real estate investment is not easy. It may take long time some times.

Try listing on nobroker, magicbricks, 99acres apart from agent channel to get a buyer.

Keep an emergency fund aside worth 6 to 8 month of expense coverage, always.

How about EPF and NPS? You may have some through your employer.

Best wishes;

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Question by Namrata - Jan 26, 2025Hindi

Money

Hello! Advait ji, My Mom is 82 and gets family pension. She has 70 lakhs FD maturing in March 25. I would like to invest 10 lakhs in FD as emergency fund. Kindly advice how to invest the remaining 60 lakhs, which is risk free and gives good returns (better than FD) She has the following investment - 1. 10 lakhs in Edelweiss Multicap Fund - Gr 2. 2 lakhs 40 thousand in HDFC Flexicap Fund -Gr 3. 2 lakhs 40 thousand in HDFC Midcap Opportunities Fund 4. 2 lakhs 50 thousand in Invesco India Focused Fund 5. 2 lakhs 50 thousand in LIC MF Infrastructure Fund 6. 2 lakhs 50 thousand in Motilal Oswal Large and Mid-Cap 7. 2 lakhs 40 thousand in Nippon India Large Cap Fund 8. 2 lakhs 40 thousand in Nippon India Multicap Fund 9. 2 lakhs 40 thousand in Nippon India Small Cap Fund 10. 2 lakhs 40 thousand in Quant Small Cap Fund. Total Mutual fund investment of 32 lakhs. Apart from MF she has invested in Bajaj Allianz Life insurance plan, where she will investRs 2 Lakhs per year for 10 years. This is a guaranteed plan. She is comfortable running the house with her pension. However, please suggest shorter duration investments (5 yrs) Regards Namrata

Ans: Hello;

She may opt for any of these investment avenues:

1. Post office time deposit scheme(FDs offered by post office for 1,2,3 & 5 year tenure); Joint holding allowed; Premature withdrawal allowed after 6M. (Current ROI 6.9-7.5%)

2. NSC with a fixed tenure of 5 years; No premature withdrawal allowed. Can be held jointly(Current ROI 7.7%)

3. KVP: Although tenure is 9 yrs and 5 months, you may do premature encashment after 2.5 years; joint holding allowed;(Current ROI 7.5%)

You may approach a reliable postal agent to process these investments to avoid hassle of frequent post visits and associated hardships.

These are backed by GOI so no risk of default.

Hope this meets your requirements.

Best wishes;

Dr Dipankar Dutta |1061 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

Asked by Anonymous - Mar 15, 2025Hindi

Career

I got 89.37 percentile in jee main 2025 My dad is army person I am Delhi girl Any chance of getting a college

Ans: You are asking the same question 2nd time. My answer will be same - Since your dad is in the Army, you might be eligible for seats under the AWES (Army Welfare Education Society) & other defense quotas in various colleges. Your home state is Delhi, which gives you a home quota advantage in DTU, NSUT, and IGDTUW. See previous years' cut off

Dr Dipankar Dutta |1061 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

Asked by Anonymous - Mar 15, 2025Hindi

Career

90.33 percentile in jan attempt ews oc candidate from mp what best colleges can i get

Ans: Congratulations on securing a 90.33 percentile in the January session of JEE Main 2025 under the EWS category from Madhya Pradesh. With this percentile, you have a fair chance of gaining admission to several esteemed institutions. Below is a tailored analysis to guide your college selection:
National Institutes of Technology (NITs)
Based on previous years' trends, candidates with a 90+ percentile in the EWS category have secured seats in the following NITs:

NIT Manipur
NIT Sikkim
NIT Mizoram
NIT Jalandhar
NIT Goa
NIT Hamirpur
NIT Durgapur
NIT Puducherry
NIT Raipur
Note: Admission to specific branches, especially high-demand ones like Computer Science and Engineering (CSE) or Electronics and Communication Engineering (ECE), may be competitive. You might have better prospects in branches such as Mechanical Engineering, Civil Engineering, or Metallurgical Engineering.
2. Indian Institutes of Information Technology (IIITs)
Your percentile also positions you well for admission into several IIITs, including:

IIIT Pune
IIIT Nagpur
IIIT Lucknow
IIIT Vadodara
These institutes offer quality education in information technology and related fields.
See previous years' cut off

Dr Dipankar Dutta |1061 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

Question by Ayush - Mar 23, 2025Hindi

Career

I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?

Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:

Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Question by The - Jan 26, 2025Hindi

Money

I have a corpus that I have saved of about 50 lakhs. I am looking at 2 options to invest 1. Buy a property in Dubai with a loan where this 50lakhs will be a down payment while the balance will be with a bank loan. I will by a ready possession flat which I will rent out and pay the emi of the loan from the rent ( I have my brother based in Dubai who will help me with this) 2. I invest this 50lakhs in a PMS with the Anandrathis, Enams etc here in India Could you suggest which is the better option here?

Ans: Hello;

What is your age right now?

Please clarify.

Thanks;

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Question by Bhuvanshree - Jan 26, 2025Hindi

hi i am 37 and struggling to save money i have home loan worth 20 lac and munthly income 1.2 lac with monthly expense of 70k ?

Ans: Hello;

How much is the EMI amount and balance tenure of the home loan?

Also please confirm that monthly expense mentioned above includes EMI.

This will help us to guide you suitably.

Thanks;

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Question by Sindhu - Nov 28, 2024Hindi

Hi sir I am investing when ever i have money not like in SIP. my most of investments are around 6 L invested in Quant different mutual funds. No a days i can see my all the Quant funds are going down. Im 34 years old female. My plan is 10 years. Can i exit from quant and invest in any some MF rather than getting more loss? Can you please review my portfolian. Do i need to exit from any MF. Since i'm maintaining too many MF. Thanks in advance. Mutual Funds List No' Scheme Name AMC Category Sub-category ISIN 1 DSP Small Cap Direct Plan Growth DSP Mutual Fund Equity Small Cap INF740K01QD1 2 Quant Focused Fund Direct Growth Quant Mutual Fund Equity Focused INF966L01853 3 Parag Parikh Flexi Cap Fund Direct Growth PPFAS Mutual Fund Equity Flexi Cap INF879O01027 4 Mirae Asset ELSS Tax Saver Fund Direct Growth Mirae Asset Mutual Fund Equity ELSS INF769K01DM9 5 JM Flexicap Fund Direct Plan Growth JM Financial Mutual Fund Equity Flexi Cap INF192K01CC7 6 Axis Growth Opportunities Fund Direct Growth Axis Mutual Fund Equity Large & MidCap INF846K01J46 7 Parag Parikh ELSS Tax Saver Fund Direct Growth PPFAS Mutual Fund Equity ELSS INF879O01100 8 Quant Small Cap Fund Direct Plan Growth Quant Mutual Fund Equity Small Cap INF966L01689 9 Canara Robeco Small Cap Fund Direct Growth Canara Robeco Mutual Fund Equity Small Cap INF760K01JC6 10 Motilal Oswal Midcap Fund Direct Growth Motilal Oswal Mutual Fund Equity Mid Cap INF247L01445 11 Nippon India Multi Cap Fund Direct Growth Nippon India Mutual Fund Equity Multi Cap INF204K01XF9 12 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 13 ICICI Prudential Value Discovery Direct Growth ICICI Prudential Mutual Fund Equity Value INF109K012K1 14 Quant Flexi Cap Fund Direct Growth Quant Mutual Fund Equity Flexi Cap INF966L01911 15 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 16 Quant ELSS Tax Saver Fund Direct Growth Quant Mutual Fund Equity ELSS INF966L01986 17 Aditya Birla Sun Life PSU Equity Fund Direct Growth Aditya Birla Sun Life Mutual Fund Equity Sectoral / Thematic INF209KB1O82 18 Quant Mid Cap Fund Direct Growth Quant Mutual Fund Equity Mid Cap INF966L01887 STOCKS LIST 1 APOLLO TYRES-EQ RE 1 2 ASIAN PAINTS EQ 1/ 3 BRITANNIA IND-EQ1/- 4 CG POWER-EQ2/ 5 IRCTCL-EQ2 6 NHPC LIMITED - EQ 7 TATA STEEL-EQ1/ 8 Deepak nitrate 9 LT 10 Narayana Hrudayalaya

Ans: Hello;

6 L worth investment in 18 different funds is spreading it too thin.

You have a time horizon of 10 years but how much corpus you want to accumulate after 10 years kindly clarify?

Also if you can specify the goal for which this investment is aimed at then it will help us to suggest suitably.

I will recommend you strategy to rationalize you MF holdings once you revert on the above points.

Thanks;

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 01, 2025Hindi

Money

Hello Gurus, I am an NRI living in Saudi Arabia, aged 38. I am earning 4.5L a month and have around 30L in savings. I don’t own anything and want to start investing, however I am unsure of what to do. Should it be gold, a property on loan or nothing and stick with maximum saving strategy. Please suggest as I am naive to investment ???? Note: Please avoid profit through interest solutions.

Ans: Hello;

Self owned property should definitely be top on your priority.

Also 15-20% allocation to Gold is desirable but preferably through ETFs/gold funds.

You may also invest in funds/ETFs which are Shariah compliant for eg Tata Ethical fund or Nippon India ETF Shariah BeES.

Best wishes;

Milind Vadjikar |1136 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025

Money

Sir, I am Mudassar, 40 years old, i have 3 childrens, 2 daughter and son. Sir, i need your suggestions/guidance becaz i am in very crtical situation. My take home salary is 40K and my father (retired age 74 ) salary is 35K , we both have personal laons to build house. I have two running LIC's , on which i have taken loan also. Recenlty we build own house , if i sell now, i will get around 42 to 45 Lakhs . My lloan detailsbelow ; 1. HDFC 7,20,000 emi 14K 2. Company emi 1,50,000 emi 4K 3. LIC loan 2 laks emi 2K 4. Father loan 4 lacks , two year remaining, emi 14K Total emi : 34K Apart from we are paying 15K monthy to chit fund , still 15 months remaining. Summary: Total sal 75 K , after laon and chit fund deducting , will get 26K to run home , including grocery, children fees , health etc... its very difficult to manage, and keep thinking to take extra loan .. as i said earlier , have two LIC's , i am.paying 56K every year . What i am thinking is, i will sell my house And clear all my laons .. and approximate i will have 25 Lakhs remeaing , so i will inest in mutual fund , SIP , SWP, index fund for long time investment .. So i.am in very confusing mode , whether i have to sell my house .. and start my investment journey... pls help sir .. My finacial conditions are very similar to all middle class family.. Request you to please reply and give your sugestion for investment joury. Awaiting your kind reply .. Thanks in advance ...

Ans: Hello;

Suppose you sell your house and clear your loans and other liabilities but where will you & your family stay?

How much rental per month would be required to get an adequate house on rent?

Please clarify. Based on your input we can advise you suitably.

Thanks;

See more questions »

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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