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Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2025

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
Asked by Anonymous - Jun 25, 2025Hindi
Relationship

Hi actually there is this guy whose proposal came for my elder sister he's a nice guy my sister is not interested in marriage but i don't know why i liked him alot and messaged him he replied and strted having nrml convo he is 28 and i am 24 what should i do?

Ans: Dear Anonymous,
And what exactly made you reach out to this guy? Are you interested in marriage?
Let your sister first say NO to the marriage very clearly and then you can share with your elders that you like this guy. Do not go create a mess for yourself and others by making moves when there still hasn't been any closure with your sister and this guy. Makes sense?

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

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Ravi

Ravi Mittal  |703 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 19, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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Relationship
I am 24 years old and i have a sister who is 23 years old. I am dating a boy for 4 years and he is of same age. My bf has some finincial crunches and he is willing to marry at the age of 28. My parents are constantly pressurizing me to marry at the age of 25 which is next year. I don't know what to do at this time. I am working in IT sector and earning 4lpa and my bf is earning 7lpa. I am telling my bf to marry me next year but he is not ready as he also has a sister 1 year younger to him. What should i do in this situation? My sister has some issue with eye so definitely we will not get boy easily for her and my dad wants me to marry early so that he can focus on her marriage too. What should i do in this situation as i don't want to upset my family and i don't want to marry someone else too.
Ans: Dear Anonymous,

I am sorry to hear that you are facing such an issue. It isn't fair to put so much weight on your shoulders, especially at such a young age. But simultaneously I understand where your parents' concerns stem from; it is indeed a tough situation. Managing conflicting desires, especially with parents, is difficult.

Here is my two cents-
Talk to your boyfriend. While he is not being unreasonable in wanting to marry at 28, which seems like a fairly mature decision, you can try to make him understand the pressure you are under, and if possible, marry sooner rather than later. It does not mean you should get married next year. Things like marriage should never be rushed into. Find a middle ground that can work for both of you.

While it's natural to want to fulfill your family's expectations, it's also essential to consider your own desires and aspirations. Take the time to understand what it is that you want. Are you ready to be married at the age of 25? Does it align with your personal goals? Marriage is not everything in life, just so you know.

Best Wishes!

..Read more

Kanchan

Kanchan Rai  |656 Answers  |Ask -

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

Asked by Anonymous - Jun 28, 2024Hindi
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Relationship
Hello ma'am / Sir I love my father's sister son ( my first cousin) & want to marry him but his mom is saying no so he also agreed with him mom Whereas my parents agreed for getting married to him He stopped texting calling me all of the sudden I know he's family didnt accept but still i cant forget him a little hope is still there dont why What can i do please help me
Ans: it's important to acknowledge your feelings. It's perfectly normal to feel confused, hurt, and hopeful all at the same time. Love can be a powerful and overwhelming emotion, especially when family approval is involved.

Given that your cousin has decided to side with his mother, it's essential to respect his decision, even though it's painful. He may be under significant pressure from his family, and this is influencing his actions. While this is difficult to accept, respecting his choice is a step toward healing and moving forward.

Communication is also key. If possible, try to have an open and honest conversation with him. Express your feelings and let him know how much you care about him. Sometimes, understanding the emotional depth of a situation can influence decisions. However, be prepared for any outcome, including the possibility that he may still choose to follow his mother's wishes.

Reflect on your own well-being. Focus on what is best for you in the long run. Surround yourself with supportive friends and family members who understand and care about your feelings. Engaging in activities that bring you joy and fulfillment can help you cope with this challenging period.

Remember, you deserve to be with someone who is fully committed to you and your relationship. If he is unable or unwilling to stand by you due to family pressures, it may be a sign that this relationship is not right for you in the long term, despite your strong feelings.

Give yourself time to heal and consider seeking professional support, such as counseling or therapy, to help you navigate through your emotions and decisions. This can provide you with tools to cope with your feelings and help you find a path forward that is best for your emotional and mental well-being.

Ultimately, trust that time and self-care will guide you through this difficult period. You are deserving of love and happiness, and by prioritizing yourself, you will eventually find clarity and peace in your journey.

..Read more

Ravi

Ravi Mittal  |703 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 01, 2024

Asked by Anonymous - Jun 29, 2024Hindi
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Relationship
Around 2022, I got a marriage proposal from a mutual acquaintance of a guy who us also known to my family . At that time I was in a relationship with someone else so my family told that I am currently focusing on my studies . But recently , I am single and saw his account on social media . We started chatting with each other and I realised that we are conpatible in many aspects . But after some days ... my mother started pressuring me that they will start to see marriage prospects for me. Also I felt that he also feels the same for me because how he talked to me... So out of pressure ,I asked him and told about my feelings for him and told why it will be profitable if we consider ourselves as a couple .He told that he has a lot of pressure from his family to settle for a well paying job (though he is working in a private company)and also wants to focus on his passion too. Also he had brojen his heart 2 times. Although he assured that he is not saying no and also he would think over this proposal and would give me an answer . But the next day I saw he blocked me from social media . I would have appreciated if he had an open communication with me as I had the same . Btw now he is 27 and I am 23 .
Ans: Dear Anonymous,

I am very sorry to hear that you had to go through this. Some people do not have the emotional maturity to say a simple no or speak their truth. He might not have wanted to make things awkward or thought he was sparing you some pain but ultimately that isn't the case. But the important thing to remember here is that his action reflects on him and what kind of a person he is; it does not highlight your worth. I know it hurts right now, but it will get better and you will find someone who loves you.

Best Wishes.

..Read more

Latest Questions
Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
sir,how to save LTCG ,wheather and formula to invest in eqity,m.f. ,property.
Ans: Hi,

To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.

LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

To start your investments in Mutual Funds, suggest you to 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  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
I have queries related to capital gain tax.To give a bit background, I purchased a second hand property(flat) in 2022 with below detais : Ownership(Joint) : me (doing private job) and mother (Senior citizen/House wife) having around 1L yearly income based on FD's. Purchase price : 69 L Brokerage charges : 1 L Registration/stamp charges : 3.5L Insurance(one time) : Rs 28,000 Repair expenses : 4L Property Mutation Charge : Rs 55,500 Loan amount : 50 L Mother helped with her funding 11L for purchasing as well. Till now , I am paying EMI's that would make around 17L. Now am planning to sale the property at a price ,so that my expenses till date are covered and with that I will close the Loan due(Rs 48L). Can you please suggest in detail how the sale can be made so that the capital gain is saved as much balancing between me and my mother(senior citizen/Houswife).Father expired.
Ans: Hi Parth,

Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).

Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

Get in touch with your CA to understand further things in detail.

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

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Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
As a salaried employee, EPFO is my largest long-term investment, but its returns are stable and not very exciting. When I compare EPFO returns with the gold rate today, gold looks more attractive in certain years. For someone in their late 20s or early 30s, should EPFO remain the primary retirement tool, or should gold investments also play a bigger role?
Ans: Hi,

You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.

It is very important for you to connect with a professional to understand things in detail and decide.
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  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 07, 2026Hindi
Money
i am 58 y ears old.my son has mental illness,due to which i have to keep money for his future also.i have income upto 7 lakh from agriculture and hostel rental business.i have 10 lakh in ppf ,15 lakh in lic {maturity in 2027},60 lakhs in shares and mutual funds. i will be receiving 2 crores for road compensation from goverment in this year.please inform where i should invest the amount as i have no loans.
Ans: Hi,

With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.

- Also avoid investing in LIC policy as its net return is approx. 4%

Consider setting up a private trust for your son's secured future after you are gone.

You should get in touch 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

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