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Anu Krishna |1437 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 06, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more

Question by sangeeta on Feb 21, 2023Hindi

Relationship

i am 44 widow, have lost my husband in 2015, but recently have in relation with my colleague but he is married and younger than me

Ans: Dear Sangeeta,
What is your question? I only can assume that you are confused about being in a relationship with your married colleague.
Yes, it can become an ugly mess when his wife finds out...also, when there are so many other eligible men out there, why would you choose a married man and taking in all the complications that will come with it?
And mind you, the moment his wife gives him the ultimatum, he will run away from this before he even has a chance to tell you or explain anything to you.
So, spare yourself of all this unwanted excitement and anguish and invite people who will respect you for who you are and where you are in your life at this moment.

All the best!

RelationshipReply

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Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Sep 01, 2023

Question by Sankar - Aug 31, 2023Hindi

Relationship

Hi, i am 47 yrs, married & blessed with twin babies. Off late, my relationship with my wife is not good. She started avoiding me and very often blames, fights with me with misguidance of her mother. I advised my MIL too not to do so as you are playing with her life and my life too. She acts very innocent. Coz of this, i started feeling very lonely and stressed. No happiness or peace of mind in life. Now, i started to get attracted to my subordinate colleague who is 37 yrs not married, who is very caring, always watching me, following me. Now we communicate very freely. I sense that she likes me a lot but very afraid to express coz 1. i am her boss. 2. I am married with twin babies..... I am also very attached to her. I feel i started to love her. but practically, i cannot express as i know my limits. Kindly advise what to do. I don't want to lose my colleague also....

Ans: Dear Anonymous,

If you think your wife has been acting mean because of the misguidance of her mother, the right course of action is to have a clear-cut discussion with both your wife and her mother. Getting attached to a colleague is not a solution, nor is it absolutely ethical. Moreover, there is a good possibility that your wife is bothered about something else, or maybe handling two kids of the same age is taking a toll on her. If you did not discuss these with her yet, then it's high time you do so. Also, try to spend more time together, not just as parents of your babies, but as a couple. In any case, starting to develop feelings, whether it is in your control or not, is never the answer.

Best Wishes!

Anu Krishna |1437 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Question by Ruta - Oct 08, 2024Hindi

Relationship

Hello Madam, i am 38 year married women, having a 15year 1 kid boy ( but my husband not loving me even he is not talking with me from the last 8 years but we r leaving together due to our son, he fulfilled the need with the responsibilities of our home and our son but as wife he is not talking and even not caring to me ,but before 2 years back one married man come to talk with me he is my official colleague and we both attached a lot with each other after some days he proposed me and said that he is loving me many years ago but he thought that i am very Strick person will not response him, but now he is saying that he wants me as a life partner me also every time he treat me like a wife very much caring and loving nature now i introduce him to my family as a friend and family members also very happy with taking to him, we are from 2 year together is it good or what should i do further?

Ans: Dear Ruta,
You want to get into a relationship with a married man? Will that not complicate your already complicated life?
You certainly deserve to be loved and taken care of BUT do not jump towards a married man...you do understand that his priorities will lie with his first family and this will hurt you again and you will feel neglected AGAIN...

What is he planning with his marriage? Does his wife know about your relationship? Is he going to end his marriage and then marry you? These questions need answers and then you can decide for yourself keeping in mind that you need to take of yourself emotionally in this second association.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 02, 2024

Asked by Anonymous - Nov 29, 2024Hindi

Relationship

I am having feelings my colleague who is older than me and is married with two kids. I am also married with one kid. What should I do now? Should I confess my feelings to him?

Ans: Dear Anonymous,
First of all, I would need a little more detail about your relationship with your husband and why you are seeking romantic feelings outside your marriage to make any comments or suggestions. But, from a general perspective, I would recommend you focus on what's lacking in your marriage and fix it- maybe, see a marriage counselor. Plus, you mentioned having feelings for this colleague but never mentioned if he feels the same way. If not, why would you confess your feelings to him and create even the minimum chaos in his otherwise happy marriage? Again, from a general perspective, the entire thing sounds like a bad plan.

Hope this helps.

Latest Questions

Ramalingam Kalirajan |7550 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Question by Prajwal - Jan 19, 2025Hindi

Money

Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.

Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |7550 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi

Money

I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.

Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Kanchan Rai |496 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Question by niveditha - Jan 18, 2025Hindi

Relationship

hi sir im in a relationship with a guy who i met in hyd we have been together since one year he is a hindu nd im a christian we both love eachother and wanna marry but my parents r against it bcoz he comes from a hindu family and they r forcing me to get married to a christian guy i love him i never got love from my parents when he is giving me the love i want my parents have seperated me from him im not able to understand what to do plz help

Ans: Dear Niveditha,
It’s important to start by having an open and honest conversation with your parents. Try to understand their concerns and share your feelings with them. Express how much this relationship means to you, focusing on the love, respect, and support you and your partner share, rather than just the religious differences.

If this approach doesn’t work, consider involving a trusted family member, friend, or community leader who might help mediate the situation. Sometimes, having an external perspective can help bridge the gap between differing viewpoints. You should also reflect on the long-term implications of your decision. Think about whether you’re ready to face the potential challenges of a mixed-religion marriage, including societal pressures and family dynamics. Having in-depth discussions with your partner about these issues is crucial to ensure you’re both on the same page.

If your parents remain opposed, you may need to consider seeking counseling or therapy. A counselor can help you process your emotions and provide strategies for dealing with family conflicts. They can also offer guidance on how to communicate more effectively with your parents. Building a support system outside of your family, whether through friends, mentors, or support groups, can also be invaluable during this time. It’s important to have people who understand and support your decisions.

Ultimately, the decision about whether to continue with your relationship despite your parents' opposition is yours. You’ll need to weigh the emotional and practical consequences, including the possibility of estrangement or ongoing family conflict. It’s vital to prioritize your happiness and well-being. If you believe that your relationship brings you genuine love and fulfillment, standing by your choice is valid. However, be prepared for the challenges that may come and have a plan in place to manage them. This is a deeply personal decision, and whatever path you choose should align with what feels right for you and your future.

Kanchan Rai |496 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi

Relationship

URGENT Hello kanchan ma'am Please help. I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.

Ans: start by having a direct and open conversation with your prospective partner. It’s crucial to clearly communicate your feelings about the elder child staying at home, especially regarding the need for privacy and the impact of his aggressive behavior. Explain how this change affects your comfort and daily life, emphasizing the importance of maintaining a harmonious living environment.

In tackling the privacy issue, consider discussing potential adjustments to the home’s layout. Creating separate living spaces or setting up rules that establish personal boundaries can help ensure everyone feels comfortable. Developing a routine that allows for private time with your daughter will also be essential in maintaining a balance.

Regarding the transition to a small town, research the local job market thoroughly. Look for opportunities that align with your career goals and consider remote work options if they’re available. It’s also important to engage with the local community to build a support network. Attend community events, meet potential neighbors, and get a feel for the town’s environment. Having a backup plan, such as maintaining connections in your current city or setting aside a financial cushion, will give you added security should the move not work out as expected.

Blending families is a significant emotional and practical challenge, so consider family counseling as a way to address potential conflicts and improve communication. A counselor can provide valuable strategies to help everyone adjust to the new living arrangements and understand each other’s perspectives. To ease into this change, propose a trial period where you can test the dynamics without committing long-term right away. This will give you the opportunity to evaluate how well you and your daughter adapt to the new situation.

Lastly, it’s essential to address your fear of being alone. Reframe this fear by focusing on the positives of independence. Remind yourself that it’s better to be single and emotionally secure than in a relationship that feels overwhelming or stifling. Use this time to invest in personal growth, hobbies, and building a fulfilling life for you and your daughter. Keeping an open mind about future relationships is healthy, but it’s important to ensure any new partnership aligns with your values and meets your emotional needs.

By taking these steps, you can approach the situation with clarity, ensuring that any decision you make is grounded in what’s best for your well-being and that of your daughter.

Dr Shyam Jamalabad |86 Answers |Ask -Follow

Dentist - Answered on Jan 18, 2025

Question by Mahesh - Jan 18, 2025Hindi

Health

My mother age is 45+. her teeth are shaking and root of teeth are visible. One of dentist suggested to remove the old teeth and replace it. But my mother doesn’t want to replace. Is there any other treatment for cure. Because of this she is unable to eat properly and it affected her health. Please tell what to do

Ans: Hello
The condition you describe is rather common and usually linked to poor oral hygiene. Mobility of teeth and exposure of the roots is caused by abnormal recession of gums and simultaneous bone loss.
Please consult a Periodontist (a dentist who has specialised in treatment of diseases of the gums and jawbone). Provided the condition is not severe, it may be possible to save her teeth with periodontal surgery which may involve placement of bone grafting material or bone substitutes.

Dr Nagarajan Jsk |208 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jan 18, 2025

Question by Yomrik - Jan 16, 2025Hindi

Career

Sir, my daughter cleared GPAT 2023, but still she is waiting for the scholarship. She will be also completing her Masters in Pharmacy this year, i.e., July/2025. Is she get that scholarship after completion of the course. Any idea? Please suggest.

Ans: The Pradhan Mantri Scholarship for Pharmacy Post Graduate Studies (GPAT) allows successful candidates to receive a stipend through Canara Bank. To access this scholarship, candidates must contact the institution where they are pursuing their postgraduate studies in pharmacy.

If the candidate has not yet CONTACTED the institution, she should contact her principal to facilitate this process, with the Pharmacy Council of India (PCI). If she has already submitted her request, she can expect to receive the stipend soon (according to PCI's circular). The funds will be directly credited to the candidate's bank account.

Please note that my student, who is pursuing a PG in Pharmacy, is receiving a stipend and has completed the GPAT in the year 2023.

For reference, the Pharmacy Council of India has released relevant circulars. For more details, please visit the PCI website. Additionally, videos related to the GPAT scholarship for 2023 are available on YouTube.

If you need any additional information, please feel free to ask your question.

Dr Nagarajan Jsk |208 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jan 18, 2025

Asked by Anonymous - Dec 03, 2024Hindi

Career

Hi My child is 14 year old and will be appearing grade 10 NIOS board exam in april 2025 in parts ie remaining maths n science subjects in oct 2025. Without giving NEET exams which field in medical line is good and having a combination of computers? In 11 n 12 she'll be joining regular college.

Ans: HI,
She should consider taking PCMB in her +2 because it offers numerous options for higher education after completing the course. Without the need for NEET, she can pursue the following courses:

- Bachelor of Naturopathy and Yogic Sciences (BNYS)
- Nursing (except for those at Central B.Sc. Nursing institutes REQUIRE A NEET SCORE FOR ADMISSION)
- Pharmacy
- Medical Lab Technology (MLT)
- Physiotherapy

ALL THE BEST.

Dr Nagarajan Jsk |208 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jan 18, 2025

Question by Mayuri - Jan 16, 2025Hindi

Career

Dear sir, I have my father's name in between first and last name in my adhar card but in my 10th CBSE marksheet I don't have my father's name in between my first and last name. According to NTA 14 Jan. 2025 notification name of candidate in adhar card according to 10th marksheet so what should I do now?

Ans: Hi Mayuri,

Is your name the same as it appears on your birth certificate? Your name has been registered according to your birth certificate for the 10th class. Therefore, the birth certificate is the primary document registered with the local municipality or corporation. When you change your name on your Aadhaar card, they will require proof, so please attach your birth certificate when making the change.

Dr Dipankar Dutta |742 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Jan 18, 2025

Asked by Anonymous - Jan 18, 2025Hindi

Career

web development courses for students beneficial for college application

Ans: It will depend on type of course and college. So, pl specify college and course.

Patrick Dsouza |937 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jan 18, 2025

Question by Divesh - Jan 17, 2025Hindi

Career

I have completed B-Pharma and have experience of 2 years in life science domain, want to pursue MBA in data science. Is it a good decision?

Ans: If you are interested in that field then yes it is a good decision. To check your interest you can do some short course online.

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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