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Ravi

Ravi Mittal  |439 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 24, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Shruti Question by Shruti on Apr 18, 2024Hindi
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Relationship

Hi sir I want your advice as I don't know what to do and how to handle I am in long distance relationship with a guy who is in navy since 3 years .He told to his parents about our relationship buy they rejected because off intercaste and all usko bhut kuch sunaya aur ba vo use bat bhi nhi kar rhe pichle 4 mahino se usko mumy use bat gak nhi kar rhi aur use ghar vale uske liye ladki bhi search karne lag gye taki shadi karva de khi aur Is bich vo mujhe ab distance bna rha dur ho rha mujhse dhere dhere mer khane par bat kar rha bs aur.bol rha ab Humara koi future nhi hai isliye acha hoga ab hum bag nhi kare but mai uske bina nhi rhe la rhi bhut buri halat ho rhi meri uske bina vo mer khane par bat kar rha kar vo bhut jyada preshna hai samj nhi aya rha kya karo kese thik karu sab Usne mujhe har jgh se block kar diya gha ek bar par mere manane par aya hai but ab na mere number save kar rha na Instagram par follow kar rha kuch nhi maine jab bola to bolta hai bat ho rhi na bs

Ans: Dear Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!

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Ravi

Ravi Mittal  |439 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 18, 2024

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Relationship
My boyfriend tells about us to his parents his parents rejected our relationship due to intercaste and they also stop talking to him it's been 4 months his mother don't talk to him .He is in navy . And they also started searching girl for him . He want to maintain distance from me he is not happy he is stressed as his own parents are not talking to him And also maintaining distance to me he talks to me me but just because I can't live without him but he changes in behaviour what to do
Ans: Dear Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!

..Read more

Anu

Anu Krishna  |1330 Answers  |Ask -

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

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Relationship
Hi sir I want your advice as I don't know what to do and how to handle I am in long distance relationship with a guy who is in navy since 3 years .He told to his parents about our relationship buy they rejected because off intercaste and all usko bhut kuch sunaya aur ba vo use bat bhi nhi kar rhe pichle 4 mahino se usko mumy use bat gak nhi kar rhi aur use ghar vale uske liye ladki bhi search karne lag gye taki shadi karva de khi aur Is bich vo mujhe ab distance bna rha dur ho rha mujhse dhere dhere mer khane par bat kar rha bs aur.bol rha ab Humara koi future nhi hai isliye acha hoga ab hum bag nhi kare but mai uske bina nhi rhe la rhi bhut buri halat ho rhi meri uske bina vo mer khane par bat kar rha kar vo bhut jyada preshna hai samj nhi aya rha kya karo kese thik karu sab
Ans: Dear Shruti,
Kya haasil hoga tumhe itna pareshaan hoke? Jab ladke ne faisla le hi liya hai ki woh apne maa-pitaa ki hi sunega, toh aise ladke se tumne shaadi bhi kar li toh khushi toh door, har chote se chote faisle bhi uske maa-pitaa hi lenge aur tumhe kabhi shaadi mein apne pati ki madad nahin milegi.
Toh agar woh tumhe door karne lagaa hai, toh yeh baat saaf hai ki woh tumhare liye ya tum dodno ke rishte se zyaada apne maa-pitaa ki baat hi sunega. Aise aadmi se sambandh badhaane se accha yahi hai ki tum apni zindagi jiyo apni tareeke joh kisi ke mohtaaj nahin hai...Apna future khud banao...Aur haan, zindagi toh chati hi rehti hai, bhale hi woh shaks tumahri zindagi ka hissa ho ya na ho...

All the best!

..Read more

Ravi

Ravi Mittal  |439 Answers  |Ask -

Dating, Relationships Expert - Answered on May 20, 2024

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Relationship
May 07, 2024 Hlo sir I am 25 year old and graduated Now preparing for government job . And the boy I love is in defence (navy) we were in a relationship since last 3 years and he decided to tell abouts us to his family and he did .He told about us to his family but his family rejected our relationship due to intercaste marrige as he is jaat and I am saini we both are from Rajasthan where intercaste marrige is a big issue. And his family not only rejected but is behaving very badly to him .not talking to him properly since last 4 months his mother didn't talk to him she stops talking to him. It is very tough for us as well as we didn't expect this reaction from his family.He thought as they love him so much if he try to convince them they will but nothing happened like this . He is very sad and broken and try to make distance from me but can't I also tried but we both can't live each other it's been very tough for both of us to live each other as we don't want to live and also his parents are not accepting this Even though he told me that I tried all ways to convince them but they aren't.and I don't want to give you false hope for future So now we don't have any future but still we want each other as is it not possible to live him at least for me it's not possible. Vo apne parents k against ja nhi skata aur na unke khilaf khada ho sakta aur mai bhi ye nhi chahti ki vo esa kare kyuki atlast family chaiye hum dono ko mai bhi meri family k against to nhi jaugi but ha meri family man jayegi agar mai unhe manugi to uske family jyada orthodox hai . Usne bich Mai 7 - 8 dino tak mujhse distance banne ki kosis kari thi mujhe block kar diya tha har jgh se humari sari photos bhi delete kar di but bad mai mere bhut jyada manage par vo vapis aya gya ap mujhse bat karta hai .maine use pucha ki kya plane hai phr to usne bola ki maine puri koshish kar li har taraf se nhi man rhe ab future ki koi hope nhi hai apni aur meri galti hai maine bat hi kyu kyu tumse starting mai ...mai relationship maj aya hi kyu .. Lekin mai phr bhi use bat kar rhi aur vo bhi kyuki hum dono ek dusre k bine nhi rh pa rhe ab smaj nhi aya rha kya kare .....vo preshna bhi hai jo Banda humesha hasta rhta tha ab vo ek dam udas ho gya hai chup rhene lag gya ye mujse dekha bhi nhi ja rha kya karu kuch smaj nhi aya rha
Ans: Hi Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!

..Read more

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Nayagam P P  |3934 Answers  |Ask -

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Ramalingam

Ramalingam Kalirajan  |7163 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 27, 2024Hindi
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Money
Hi, sir I am a an 30 year old (single) engineer working with a MNC in Chennai, unfortunately till this day i haven't had any savings at all for my future (retirement, other short term or long term goals). Currently my take home salary after EPF and parental insurance is 53k ( EPF is about 4900/month - employee+employer) i haven't opted for Corporate NPS but is provided by the company without any additional contribution from company. I have company health insurance policy and have planned to take my own health insurance and term insurance plan. Adding to above I have zero emergency fund with me. How should I proceed with my investments?
Ans: You have taken the first step by recognising the need to plan. It’s essential to appreciate your intention to secure your financial future. Let’s look at how you can proceed to achieve your short-term and long-term goals.

Your current take-home salary is Rs 53,000, and your EPF contribution is Rs 4,900. However, you lack savings, investments, and an emergency fund. Here's a step-by-step strategy:

Build an Emergency Fund
Set aside funds to cover at least six months' expenses.

Start by saving 10-15% of your salary monthly into a high-interest savings account.

Use Recurring Deposits or Liquid Mutual Funds to maintain this fund for emergencies.

Secure Yourself with Insurance
Health insurance: Maintain your company health policy but add a personal health policy. Choose a policy offering a sum insured of Rs 10-15 lakh.

Term insurance: Buy a term plan covering 10-15 times your annual income. Keep the policy simple and avoid investment-linked insurance.

Budget Your Income
Allocate your income carefully for expenses, savings, and investments.

Use the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for savings and investments.

Avoid unnecessary expenses to increase your saving capacity.

Start Investing Gradually
Short-term goals (1-5 years): Invest in debt funds or recurring deposits. Debt mutual funds are good for stable returns.

Long-term goals (5+ years): Invest in equity mutual funds for higher returns. Choose actively managed funds with consistent performance.

Avoid index funds. Actively managed funds have a better potential for higher returns through professional fund management.

Retirement Planning
Utilise the EPF for retirement. Your current contribution will grow over time with compounding.

Consider investing in diversified equity mutual funds for additional retirement savings.

Corporate NPS: You can explore NPS for its tax-saving benefits. However, don’t rely solely on it for retirement.

Tax-Saving Investments
Use Section 80C to save taxes up to Rs 1.5 lakh.

EPF, PPF, ELSS mutual funds, and life insurance premiums can qualify under this section.

Opt for ELSS funds for tax saving and wealth creation.

Review Existing Expenses
Evaluate and minimise unnecessary expenditures.

Avoid loans for discretionary spending like vacations or gadgets.

Advantages of Using a Certified Financial Planner
A CFP can help you plan holistically and ensure you stick to your goals.

They provide tailored strategies, ensuring proper fund allocation and monitoring.

Invest through a Mutual Fund Distributor with CFP credentials to access professional advice.

Key Steps for Discipline
Automate investments through SIPs in mutual funds.

Track your monthly budget and investment progress regularly.

Avoid direct funds. Regular funds offer professional guidance and fund distributor support.

Tax Implications
For equity mutual funds, LTCG above Rs 1.25 lakh attracts 12.5% tax.

STCG on equity funds is taxed at 20%.

Debt fund gains are taxed as per your income slab. Consider these while investing.

Final Insights
You are in the right direction by seeking advice now. Build a solid foundation with savings, insurance, and investments. Take small steps toward financial independence.

Remain consistent with your investments, and review your financial plan annually.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Mayank

Mayank Chandel  |1940 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 27, 2024

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Career
Hello, i really have a serious issue regarding my studies as i am 24 yrs now and gave NEET 4times and i am still preparing for nxt year 2025 but at the back of my mind i am really tensed what if the same thing repeats in the neet 2025 also like paper leak and all, So now i am confused that should i take a full drop or partial drop. The mental pressure is really hitting hard and also its almost been 4years that i am still 12th pass only and my classmates have already completed their college and some are flight attendant and earning well, So this all things just hits so hard and also the hope in parents eyes as my father is already proud that i studied science so i would definitely become doctor. I wasted a lot of money in pg and coaching (fastrack) and this all things are hitting so hard that i really feel sad and have no ways to go.
Ans: Hi Bhima
I must say you have got perseverance & I appreciate your parent's trust in you. You have already appeared multiple times and you are going to appear again in 2025. By the time you will be 25 years old. They say there is no age to learn. But after getting admission you need another 10 years to practice as a qualified specialist. Make sure you take admission in the next session.

If higher cutoff & high fees of private colleges are an issue for you, then try exploring the MBBS abroad option, I can help with that too. Since NEXT is compulsory for Indian & Foreign graduates too it won't make a difference if you study in India or Abroad.

For time forget all the societal pressure and give your 100% and make your parents proud.

...Read more

Ravi

Ravi Mittal  |439 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 26, 2024Hindi
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Relationship
Hi Ravi sir, I am 24 yrs old girl, currently pursuing MBA from a middle class family. I have a 5 yr relationship with my boyfriend. I love him very much. Don't want to loose him. Maybe he also love me. But the problem start few days ago when he suddenly confessed me that he visit red light area thrice at the first year of our relationship. From those initial days we are in a serious relationship and family involved in this. But we don't intimate but virtual intimacy was there. But this year in january we for first time got intimate and after 4 time of intimacy he confess me this that he physical one time and two time just visit their to see naked dance but failed due to some reason. Now He told me that he felt it will be cheating if he not told me this now. One side I am depressed and fear to loose him. He repetitively beg pardon from me and told that this was his peer pressure and now he mature enough to say no this.. Now he can't imagine his life without me. I don't want to loose him but can't forgive or forgot this. Now he repeatedly told me to marry him and proposed me romantically. He repeatedly want pardon from me . I love him very much that I want to forget all things and start from first again. But will it be right, if I easily forgive him than is he got much confidence to do this again?? I am depressed and confused. Pls help me . What will be right decision in this situation? Forgive him or not?
Ans: Dear Anonymous,
I understand how conflicted you must be feeling right now, and I am sorry that you are going through this. I wish I could tell you what would be the right thing to do, but it has to be your decision and yours alone. All I can suggest is to take a beat and not rush into deciding anything.

Take everything into consideration-
On the one hand, infidelity is indeed unacceptable in a relationship. But on the other, it was in the initial stage. He might not have been as serious about the relationship as you during those days. Nevertheless, the timing does not make his action justifiable. I suggest you have an open conversation and ask him why he felt the need to do this. Ask him if he did not consider your feelings. What's concerning is that he did not stop after the first time; he went back twice more. I am not judging his choice of location but the fact that he was in a committed relationship puts him in the wrong. Also, blaming it on peer pressure is inexcusable; this isn't something funny or trivial he did because his friends dared him to. Ask him to take accountability and understand that actions have consequences.

Take it one day at a time. Whatever you decide is okay. And if at any point you want to pick yourself over the relationship, I want you to understand that it is completely alright. You will feel like it's a selfish decision, but it isn't. Remember that. Please do what you need to help you heal from this.

Best Wishes.

...Read more

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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