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Mohit

Mohit Arora  | Answer  |Ask -

Dating Coach - Answered on Apr 27, 2024

Mohit Arora is a relationship coach, image consultant, soft skills trainer and the founder of Real Dating School. He has a BTech degree in computer science from the Rayat & Bahra Institute of Engineering and Biotechnology, Mohali, Punjab. He has been conducting customised skilling and communication workshops since 2014.... more
Asked by Anonymous - Apr 27, 2024Hindi
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Relationship

we have 3 yrs of relationship and in that frm 2 yrs we are in long distance we have great bondings ,no issue on that but the major issue taht we have no future becos he belongs to bhramin family his family is very strict not accept intercaste marriage and also they dont want him to move out of house . right now he is pursuing mbbs and i am pursuing computer science . i live in bangalore as u know its tech hub and best place for me for career but he will make future in gujarat he is telling me to come over there after marriage still we have lot time to think but he dont want to hang me in middle of the situation as he is not able to promise me that he will make it work 100% . He now every time telling me ki if u come to gujarat then only it will work and convince his family and some time he tells me that even if u come their might be my parents not fully accept u and tell u something rudely and all stuffs as i belong to general and may be u will regret for ur career also . what should i do should i compromise my career and do remote job or stay in some small company just for him or otherwise leave him? even i have great fear of not getting any soulmate after this becos as my experiences my elder sisters and brothers are still dint get their perfect partners its hard to get married to unknown i know i am overthinking at this stage but am confuse. i also dont have much frnd to talk about my prsnl problems .its been 2 yrs i have been through my personal loss and family problems also some times i am in pain getting sucidal thoughts its not for the relationships .Please help me with this .

Ans: Tel him to step up as a man and decide. You don't need a soul mate. The one you are seeking is yourself. Choose to be financially strong..
Asked on - Apr 28, 2024 | Answered on Apr 29, 2024
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He is not stepping up he is telling I will take care of my parents and do my work only if u will come I will go against my parents it might be after that possiblites are still there that they might not treat u well.If u ask me i want a different life from this as I live in it hub the culture is totally different I want to live freely without this family issues and travel the world , explore new thing and also focus on career . But I am finding that he might not give me that life also as I said there is no job scope their for me so should I live him becos of this is it fair enough ?
Ans: Yes.. so move on. You'll find another better guy. Remeber - 'Freedom is the highest value'

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Shalini

Shalini Singh  |181 Answers  |Ask -

Dating Coach - Answered on Apr 19, 2024

Asked by Anonymous - Apr 19, 2024Hindi
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Relationship
Hello mam , we are in relationship of total 3 yrs in which long distance is for 2 years we both have their colleges in different state now question arises to our mind about future that we both no we will do job in same location where we study we we both can't compromise to go to any other states as there is less opportunity as we both are in different field this is one of the problem and other is his parents are so strict and belongs to bhramin family they don't accept intercaste marriage even he don't want to step out from his home as he want to take care of his parents .and we are very sure that we don't want to compromise our careers . So how our marriage is possible ? Should we have to leave each other prior to the day comes or is there any solution to it which we both can compromise ??
Ans: Hmmm lets simplify this, what would you tell your friend if she comes and tells you that she has met someone wonderful BUT his parents will not accept her and he will make no efforts to make it work...I am assuming you will tell her to put this relationship on hold for sometime...which means putting it on hold with no interaction, stopping all interactions - giving him space and time to think about it...do this for 6 months to 12 months, this does not mean dating someone else. Here he needs to find a solution, if he does its a win-win, if he does not then he may not be someone she may wish to be in a relationship with...and in the meantime you are likely to ask her to focus on her career. My response to your query will be on the same lines.

..Read more

Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 23, 2024

Asked by Anonymous - Sep 22, 2024Hindi
Relationship
Hii ma'am... I'm in relationship with my boyfriend for about 5 years and we both love each other a lot..We are doing MBBS and preparing for IAS alongside..He is an amazing human being.. considerate kind honest compassionate...He is really smart intelligent and determined to achieve everything he sets his eyes on...He is just so confident... a good human being...He respects me a lot..never been a time in 5 years he yelled at me in loud voice or he said or did something bad to me...like he loves me a lot and says he is doing everything for me.. his studies achievements and all are for me..He is everything I will want in a husband The problem is ... I'm a Jaat girl and he is Brahmin boy..His family agreed to our marriage...my parents are not ready at any cost for an intercaste marriage I'm from a well off family..my parents both are in govt jobs..He isn't from a rich family so my parents say that there needs to be a family background otherwise you will face problems...They say that I should find a boy who matches me in the looks.. They don't like his looks...Also his and mine home are almost 300 km from each other adding to the problem...my parents say that they won't want me to live so far from them that they can't even meet me regularly...They say that you will be busy in jobs and being so far we won't be able to meet you and you also won't be able to come..he should've been from same district... Their main objections are.. Intercaste..His looks.. Family background..Money.. Distance They have sacrificed a lot for me and I've always been a child who didn't ask for anything..never saying no to my parents..and all.. Always been close to them..it is very difficult for me to hurt them...but I love this boy so much..I can't even imagine marrying someone else..He is everything I would ever want in a husband... Ma'am please consider all the aspects and please advise accordingly what should be done..are my parents right..or they aren't...what should I do.. I'm stuck..
Ans: One thing that’s important to consider is that, ultimately, the person you marry will be the one who you will spend your life with—not your parents. It’s you who will navigate the everyday realities of this partnership. You’ve already seen the kind of partner your boyfriend is, and it sounds like you trust him deeply. He’s shown commitment, love, and respect, and those qualities are foundational to a long-lasting, fulfilling relationship.

When it comes to your parents, their concerns about caste, financial background, and distance are understandable, but these are challenges that many couples can and do overcome. Financial stability can change with time, and distance is something that can be managed with compromise, especially if both you and your partner have career goals that align. What matters most is the emotional connection and support you offer each other. It’s possible that once your parents see how happy and fulfilled you are with him, they may come around, even if it takes time.

I think one of the most crucial steps here is communication—not just with your boyfriend, but with your parents. You mentioned that you’ve always been a respectful and compliant child, and that’s a beautiful testament to the relationship you’ve shared with them. However, this might be the moment where you need to lovingly express your desires and assert your independence as an adult. Your happiness and well-being in a marriage should be the central concern. Try having an open, calm conversation with them where you acknowledge their concerns but also explain how deeply you feel for your boyfriend, emphasizing the qualities that truly matter to you—his kindness, his respect for you, and the life you want to build together.

While it’s natural to want your parents’ approval and blessing, it’s also important to recognize that they might not fully understand your relationship unless they see it from your perspective. It’s not about rebelling or hurting them—it’s about being honest with them about who you are now and what you want for your future. It may take time for them to come to terms with it, but as they see the strength of your commitment, they may begin to soften their stance.

If, after many conversations, they still cannot accept your choice, you’ll have to weigh your options. You can continue to work on slowly helping them see your perspective, or you may have to make a decision that prioritizes your happiness, even if it’s difficult in the short term. Marriage is a lifelong commitment, and being with someone who supports, loves, and respects you as your boyfriend does will be far more valuable in the long run than external factors like caste or background.

Ultimately, it’s about what kind of life and partnership you envision for yourself. If your boyfriend is the one who aligns with your values, dreams, and emotional needs, you might need to help your parents understand that, even if it means navigating some tough conversations ahead.

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Ravi

Ravi Mittal  |679 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 06, 2025

Asked by Anonymous - Jan 03, 2025Hindi
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Relationship
hi sir/maam I am 22 yrs old and my boyfriend is 28 yrs old. We both are in the same office right now and his home is very near from that. At this point, we've been in a relationship for 8 months. He is very emotional and understanding and always there for me. Nobody knows about us, only my friends do. I am not that serious but confused if i lose someone who had loved me this much. He asks about marriage but it would be intercaste so i say that parents would not approve this. My friends advice me to break up. I try to disconnect with him but as soon as I talk to him I fail to do. I feel like talking to him console him. The thing is I'll talk to my parents 2 yrs later but he asking for commitment as he is getting other marriage proposals and its the right time for him to get settle but for me, he's saying he's ready to wait only if i give commitment. My father has said once that study and become independent but never risk my self respect in this society. Should i risk my boyfriend's life by giving the commitment ? I'm confused because i think at this point im kind of girl that will adjust somehow atleast im getting a person who loves me alot, i also love him but he's more into this feeling. What should i do? Recently he's got a marriage proposal and his family is seriously asking for his answer but he was asking what i want? i asked him to consider that and directly said it will not be possible for me to commit but im still in dilemma- im losing sth imp, should i go for him?
Ans: Dear Anonymous,
I understand your dilemma. All I can say is that neither one of you is wrong here. He wants commitment before he decides to wait for you, and you want some more time. Both your requirements make perfect sense. My suggestion is that if you really think that you can't commit, you should clear that to him right away, and let him decide whether or not he is okay to go on like that. It's not fair to keep him hanging nor will it be right to make a decision for him. Give him clarity of the situation and let him decide.

In case you guys decide to break up, let him move on. I understand the urge to comfort him, but doing so, you are only going to stall his moving on process.

Hope this helps.

..Read more

Latest Questions
Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 22, 2025Hindi
Money
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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