Home > Relationship > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Dr Ashish Sehgal | Answer |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more

Question by Sandhya on Apr 10, 2023Hindi

Relationship

Actually I'm in a relationship and he is loving someone already he is getting Marry also her only this everything I know already but he is really happy with me even I love him but he promised to marry her so only he is getting Marry her because that promise he can't break but he loves me so much now we both r crying thinking about this all now what can do

Ans: I'm sorry to hear that you and your partner are going through a difficult situation. It can be incredibly painful to be in love with someone who is committed to another person.

It's important to remember that your partner has made a commitment to someone else and is planning to marry that person. While it may be tempting to hold onto the hope that they will leave their current partner for you, it's also important to be realistic about the situation and respect their choices.

It's also important to consider your own feelings and needs in this situation. Are you willing to continue a relationship with someone who is committed to someone else? Are you willing to share your partner's love and attention with someone else? These are difficult questions to consider, but it's important to be honest with yourself about what you're willing to accept in a relationship.

Communication is key in any relationship, and it may be helpful to have an open and honest conversation with your partner about how you're feeling and what you want out of the relationship. However, it's important to be prepared for the possibility that your partner may not be able to give you what you want or need.

Ultimately, the decision of whether to continue the relationship or move on is up to you. It may be helpful to seek support from friends, family, or a therapist as you navigate this challenging situation.

RelationshipReply

You may like to see similar questions and answers below

Kanchan Rai |403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 09, 2024

Asked by Anonymous - Aug 08, 2024Hindi

Relationship

My boyfriend of last 2.5 years who is 25 years old and has a 11 years age gap with me has decided to get married to someone else as per families choice. I am writing to understand few things: we started of casually where i proposed to him. He initially hesitated and after thinking for few days, also wanted to start the relationship. Later time went by we became involved at deeper levels. We spent majority of the times together, have shared goals, we lookout for each other. He doesn't state his feelings very often. He takes care, enjoys spending time, we planned tris together, we know our families but not that we are involved. He takes care of many things and it was almost like a live-in. Now and then he used to come up and tell we should stop, I'll be like give us time when rhe thing about marriage comes we will see. Now the thing is initially when he wanted to leave he was telling we are like Radha and Krishna, now when i am standing my ground that i can't see him with another girl, he is telling i was never in love with you. He never tells i love you and i have accepted it that way. Now he is telling me that it was my thoughts that we are in love but he was never in love. Im a person well established in my field and holding 3 degrees , pursuing further Higher Education. He needed me during his studies, ive told it to him multiple times that you needed me when you had work. Ive inspired him to do things he never thought of. But now it is firing back. I was a mentor, a friend, a girlfriend, a cook, an everything. Where did i go wrong to think that it is love? What do i do? I feel jealous to see him with anyone. Please guide

Ans: His sudden change in behavior—claiming he was never in love—seems like a way to distance himself emotionally because of family pressure. It doesn’t mean you were wrong in your feelings; it shows he might have been conflicted all along.

Seeing him with someone else hurts, and that’s natural. You’ve given so much of yourself, and it’s hard to accept that it wasn’t reciprocated in the way you hoped. Right now, focus on healing and remember that you deserve someone who values you fully. Take the time you need to process this, and know that you didn’t do anything wrong. This is more about his struggles than anything you did.

Moving forward, it's essential to prioritize your own emotional well-being. This situation may require some time to process and heal from, and it's okay to feel sad, angry, or confused during this time. Consider reaching out to a trusted friend, therapist, or counselor who can help you navigate these emotions and start focusing on your own needs and future.

In time, you might come to realize that this relationship, while significant, wasn’t the only path to happiness and fulfillment. You deserve a partner who reciprocates your love, acknowledges your worth, and is willing to build a future with you. For now, give yourself permission to grieve, but also start thinking about how you can rebuild your sense of self and eventually open up to new possibilities in your life.

Kanchan Rai |403 Answers |Ask -Follow

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

Asked by Anonymous - Aug 15, 2024Hindi

Relationship

Hii ma'am, I'm having a problem in relationship. My parents are fixing my marriage but i love an another guy and my bf is getting scared of loosing me and as I'm facing too much problem for this marriage he is telling to break our relationship and stop talking with each other. What should i do now plz suggest me

Ans: The first step is to get clear on what you truly want. Do you see a future with your boyfriend, and are you willing to stand by him despite the challenges? If so, have an open conversation with your family. Calmly explain your feelings, why he matters to you, and why you believe he's the right person.

Talk to your boyfriend too—acknowledge his fears, but let him know how much he means to you. If he’s still pulling away, it might mean he’s not ready to face these challenges. In the end, you deserve to be with someone who is willing to fight for the relationship. Make sure your decisions prioritize your long-term happiness.

Anu Krishna |1303 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Question by soniya - Oct 25, 2024Hindi

Relationship

Iam 27 years girls and iam in love with the guy past 9years and iam very true to him and now he is saying he dnt have love with me any more but he's saying that he will marry me.. what should i do in this case

Ans: Dear Soniya,
Simple, you don't marry someone who says that he is in love with you...Would you want to deal with any more surprises/shocks from him after marriage. You certainly deserve someone who loves, values and respect you and not someone who is doing you a favor, right?

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

Latest Questions

Milind Vadjikar |655 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 18, 2024

Asked by Anonymous - Nov 18, 2024Hindi

Money

I am 64 years old and previously worked at Observar India Ltd. for over 15 years. However, the organization shut down many years ago, and I do not have the UAN (Universal Account Number) or PF (Provident Fund) number associated with my employment during that period. After my tenure at Observar India Ltd., I began working with Viacom18, where I am currently employed, and I have all the necessary details of my present PF account. I would like to know the process for retrieving or transferring the PF funds accumulated during my time at Observar India Ltd. to my current PF account. Considering that the company no longer exists and I lack the old PF details, what steps can I take to initiate the process? Additionally, what documents or records will be required to locate and claim the funds from my previous employment? Any guidance on dealing with such situations where the employer is no longer operational would be greatly appreciated.

Ans: Hello;

If you don't remember your EPF account number and your employer is closed, you can try these options:

1. Check your salary slip: Employers usually include the PF account number on the employee's salary slip.

2. Visit the EPFO office: You can visit the EPFO office with your identity proof and application form to get your PF number.

3.Call the EPFO helpline: You can call the EPFO helpline for information and to track past accounts.

4.Go to the EPFO website: You can fill out some basic information on the EPFO website to locate your dormant account.

Once you get the pf account number you may proceed for offline or online withdrawal of the same.

Best wishes;

Ramalingam Kalirajan |7042 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 18, 2024

Asked by Anonymous - Nov 18, 2024Hindi

Money

Please suggest if following investment are good as SIP started last year sep 2023 HDFC Flexi cap 5000, Parag Parikh 5000,SBI L & Mid cap 2500/-, Axis Blue chip fund 2500, AXis Mid cap fund 2500/- HDFC mid-cap opportunities fund 5000, Kotal emerging fund 2500/- Nippon India smal cap fund 5000/- HDFC Pharma & healthcare fund 4000/- Nippon India multicap fund 2500/- HSBC value fund 3000/- Investment are on monthly basis. Pease advise

Ans: Your portfolio demonstrates a proactive approach to wealth building. It includes diverse mutual funds across categories. Monthly SIPs indicate your long-term financial discipline. This is commendable. However, let’s evaluate its alignment with your financial goals.

Below are detailed insights for your portfolio assessment:

Strengths of Your Portfolio
Diversification

You’ve invested in funds from multiple categories. This includes large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds.
A diversified portfolio reduces overall risk. It balances growth potential across market segments.
Consistency

Monthly SIPs ensure disciplined investments. This helps capture market volatility effectively.
Long-term SIPs can create substantial wealth through compounding.
Exposure to Growth Opportunities

Investments in mid-cap and small-cap funds offer higher growth potential. These funds are suitable for long-term wealth creation.
Sectoral funds provide concentrated exposure to booming sectors like healthcare.
Inclusion of Value and Multicap Funds

Value funds identify undervalued stocks. This can deliver long-term growth.
Multicap funds offer flexibility to invest across market capitalizations.
Areas for Improvement
Overlapping Fund Categories

Having multiple funds in the same category might lead to redundancy. For example, multiple mid-cap and flexi-cap funds.
Similar funds can increase portfolio overlap. This reduces the benefit of diversification.
Sectoral Fund Allocation

Sectoral funds like healthcare have high risk. These funds depend on sector-specific performance.
Such funds should have limited allocation in a balanced portfolio.
Number of Funds

A portfolio with too many funds can be hard to track. It dilutes returns without adding significant diversification.
Fewer funds with distinct strategies are easier to manage and monitor.
Portfolio Insights
Risk Assessment

Your portfolio leans towards high-risk categories like mid-cap and small-cap.
Consider balancing it with funds having stable growth, such as large-cap or flexi-cap.
Goal-Based Allocation

Align investments with specific financial goals. For example, retirement, child’s education, or buying a house.
Define timelines for each goal. Adjust fund categories based on risk tolerance and time horizon.
Taxation Awareness

Equity fund gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains attract 20% tax.
Ensure to account for these taxes in your investment strategy.
Regular Fund Investment Benefits

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) offers advantages.

They provide expert insights, fund tracking, and timely rebalancing.

Direct fund investments might lack professional guidance. This could lead to suboptimal decision-making during market volatility.

Suggested Course of Action
Streamline the Portfolio

Reduce the number of overlapping funds. Keep one or two funds per category.
Focus on high-quality funds with a proven track record.
Adjust Sectoral Fund Exposure

Limit sectoral fund exposure to a small percentage of your total investment.
Use these funds only for specific, high-risk goals.
Rebalance Annually

Review your portfolio at least once a year. Rebalance it to maintain desired asset allocation.
Shift funds if they no longer align with your goals or risk tolerance.
Emergency Fund Allocation

Maintain a liquid fund or emergency fund equivalent to 6-12 months of expenses.
This avoids withdrawing SIPs during unexpected financial needs.
Monitor Fund Performance

Regularly review the performance of each fund against its benchmark.
Replace consistently underperforming funds with better alternatives.
Long-Term Discipline

Stick to your SIPs, especially during market downturns. This helps average out costs.
Avoid making decisions based on short-term market fluctuations.
Final Insights
Your portfolio reflects a strong commitment to financial growth. However, streamlining your investments can enhance efficiency and returns. Focusing on goal-based allocation ensures better alignment with your financial objectives.

Consider professional guidance to refine your portfolio and stay on track. This ensures your investments work harder for your future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Archana Deshpande |66 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Asked by Anonymous - Nov 16, 2024Hindi

Career

Dear Ms. Archana, I am a 50 year old middle management officer & have 24 years of experience in banking industry. But I want to shift to HR or life coaching industry. Kindly guide me with ur coaching & I would also like to work part-timr with your organization if you are satisfied with my skills & knowledge.

Ans: Good afternoon!!

If you have been in the banking industry for the last 24 yrs, don't you think now is the time to consolidate on your skills and do something which brings out your expertise ? Think of moving up the ladder in your organisation or look for coaching/training people to pass a bank exam or any other subject you love to teach.

And trust me 50 is also an age -
1. when you look back and see all that you have accomplished
2. then look into the future and think about all that you wanted to do and want to do
For you to really look into the two questions above, sit with a quite mind and explore all options , write them down for clarity and for the way forward.

If HR is where you want to go in, then look for an MBA in HR while you are continuing to work( I am very particular about being financially independent too during a career shift or the transition phase)!

If Life coaching is what interests you then check out India's leading life coach Puja Puneet and the courses she offers.
To be a life coach is to work a lot on yourself before you can become one.

Working part-time in my organisation is a "no" right now as I am not hiring!!

All the best in your exploration of the self and the clarity on forward path!!

Milind Vadjikar |655 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 18, 2024

Asked by Anonymous - Nov 18, 2024Hindi

Money

Sir, my father aged 75 ,sold recently a plot of land and incurred capital gain of rupees five lakh after indextion. His question is, which one is profitable, whether to invest 5 lakh in Capital gain bond for 5 year at simple interest of 5 % annually or pay tax 1 lakh and then invest remaining 4 lakh in fixed deposit for 5 years at interest rate of 7.25% compunded annually. Apart from this , is there any other option? Thank you in advance

Ans: Hello;

The simple interest on PFC 54 EC Capital Gain bond is currently 5.25%.

My suggestion is this is a better option then the 7.25% cumulative FD on 4 L after tax payment.

Ultimately it is his choice.

Another option is to utilise provisions of Section 54 of income tax act for seeking exemption by reinvesting LTCG in purchase of another residential property, subject to terms and conditions, but for 5 L ltcg, I do not think this is helpful.

Best wishes;

Ramalingam Kalirajan |7042 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 18, 2024

Question by Malik - Nov 18, 2024Hindi

Money

Hi sir just to get 1 lakhs per month from mutual fund account, how much total money is required to invest in mutual funds account. Thanks

Ans: To generate a monthly income of Rs 1,00,000 through mutual funds, you need to determine the total investment amount based on the withdrawal rate and expected returns. Here's a detailed analysis:

Key Considerations
Withdrawal Rate

A safe withdrawal rate is around 4–6% annually for sustainable income.
A higher withdrawal rate risks depleting your corpus prematurely.
Investment Returns

Equity mutual funds can give 10–12% annual returns over the long term.
Balanced or hybrid funds may offer 8–10% returns with lower volatility.
Debt mutual funds typically yield 6–8% returns with stable income.
Inflation

Factor in inflation to ensure the corpus lasts through your lifetime.
Taxation

Gains from mutual funds are taxable. This affects your effective returns.
Approximate Corpus Needed
1. Using a 6% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 6% = Rs 2 Crores
2. Using a 4% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 4% = Rs 3 Crores
Recommendations
Invest in Diversified Funds

Allocate your corpus across equity, hybrid, and debt funds.
Equity for growth, debt for stability, and hybrid for balance.
Use SWP (Systematic Withdrawal Plan)

SWP allows you to withdraw a fixed amount monthly.
It ensures steady cash flow without disturbing the investment.
Reassess Periodically

Review returns, inflation, and withdrawal rate annually.
Adjust withdrawal amount to maintain corpus longevity.
Plan for Taxes

Consider the impact of LTCG and STCG taxes on withdrawals.
Equity mutual funds' LTCG above Rs 1.25 lakh is taxed at 12.5%.
Include an Emergency Corpus

Keep 6–12 months’ expenses in a liquid fund.
Avoid dipping into your main corpus for emergencies.
Final Insights
To get Rs 1,00,000 monthly, aim for a corpus of Rs 2–3 crores. Choose mutual funds that align with your risk tolerance and income needs. Start with a Certified Financial Planner to tailor a portfolio for sustainable income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Milind Vadjikar |655 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 18, 2024

Asked by Anonymous - Nov 18, 2024Hindi

Money

Hi Milindji, i am 45 yrs. I have taken SIP with lumsum amount rs. 50000 of aditya birla sunlife hybrid 95 fund -growth & rs.100000 lumsum for parag parikh flexi cap fund-growth. Please review & suggest any other if any

Ans: Hello;

If you have invested in these funds with long-term horizon then they seem to be inline with your goal and risk appetite.

Continue investing with annual review of performance.

Best wishes;

Anu Krishna |1303 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 18, 2024

Asked by Anonymous - Nov 13, 2024Hindi

Relationship

I am 67 years and my wife is 61 years married 38 years have daughter. Last year she suddenly fell ill and have liver transplant. After few months i find she is angry on me and criticize me in all of my actions with past. Is there any relations on her recent behaviour.

Ans: Dear Anonymous,
I am sure that you understand this: She has had an organ transplant which can be a very frightening experience. What she may need is more love, attention and a lot of joy and cheer around her. Don't judge her actions BUT make sure that you fill her space with love and care. I am sure once she realizes that you truly care for her, she will start to feel different and not be angry or upset with you. The fear that she may carry around her surgery will be replaced by that love and care.

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

Anu Krishna |1303 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 18, 2024

Asked by Anonymous - Nov 13, 2024Hindi

Relationship

Hi Anu I am a married man for the last 20 years...have 2 kids...i am in a relationship with my friends now divorced wife for the last 5 years she has 2 kids too..we are very much in love with each other & have actually accepted each other as husband & wife..we cant stay without seeing each other...my wife & her ex husband kind of know what's going on between us, although they have not confronted us yet...one thing we both are sure of is that we want to stay together in this relationship ..pls advicein this case as I am married & she is divorced

Ans: Dear Anonymous,
Legally, this may not be possible...So, this will continue like this till you are confronted with by your wife. The lay's ex-husband may not bother as they are already divorced BUT you have a lot of explaining to do to your wife. Better to think this through as you are surely risking your marriage.

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

Anu Krishna |1303 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 18, 2024

Question by sudharsan - Nov 08, 2024Hindi

Relationship

iam a 35year old man ,my father in law is manipulative and emotional blackmailer iam struck in wrong marriage. She is nether willing to divorce nor peacefully live with me , she keeps dragging the divorce case for 5years now , iam not interested in this marriage and i want to step out and find a better partner who can live with me peacefully without intervention of her family

Ans: Dear Sudharsan,
What is your question for me? I think what you need is possibly a legal expert. Kindly seek one and he/she will guide you on the next steps since your wife has been dragging the case for a while now...

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

Anu Krishna |1303 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 18, 2024

Asked by Anonymous - Nov 11, 2024

Relationship

i am married with kids however i still feel infatuated seeing young girls and even tried approaching them/her . however that guilt acts like a catalyst which force me to redo those silly things. i dont know hwo to come out of such thoughts + acts. note - i still care and love my wife .

Ans: Dear Anonymous,
Your note: I still care and love my wife...
If this were true, what would be the reason to waver and find all this infatuation boosting you to do more. It's the excitement that is the catalyst, the excitement that you possibly miss with your wife. You still care and love her, then invest time in actually building that excitement with her...it will be very fulfilling...

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

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x