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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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
JH Question by JH on Feb 11, 2022Hindi
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Relationship

 Hi I’m 40 yrs now and. I have a male friend of 23 years old we r good friends. I helped him financially and emotionally and take care of his house his expenses and he too is good but I love him as I have feelings for him but he is more into girls.
Initially I managed all his things but he is now into serious relationship with a girl and also wants to marry her but I’m unable to digest that.
I know he is right he is moving ahead in life but I’m struck there loving him and he also wants to make his career and be with me, go abroad.
We both want to plan to go together but I’m worried as will I tolerate him in all this aspects?
Will I see him happy with someone else whom he loves?
Should I ignore his relationship and focus on our friendship which is hard. Don’t know what to do kindly suggest plz.

Ans:

Dear JH,

Hang on! Let’s get all the facts right here…

1. He loves you and you love him
2. You supported him financially and emotionally
3. He also wants to be with other girls
4. He is currently in a relationship with another girl and also claims that he will travel abroad
5. You both plan to be together

Did I get all the facts right?

Take a step back and just figure out if he is just missing a ‘Mother Figure’ in his life and if he is actually thinking of you as one.

That’s what you will always be to him if that is the case. Watch how you are playing with your emotions here as whatever be the age, when a heart breaks, it really does break!

Ask yourself: What is it that I am getting from this relationship? Is it love, it is eliminating loneliness, is it validation OR is it you wanting to share love that you have?

These are not reasons enough to be with a person and lock your emotions with. The future is always unknown and uncertain but delve into your heart and simply ask: Do I really want to test the waters OR Do I create my life the way that I want on my own terms as a 40-year old who is complete charge of life? You will clearly get your answer.

All the best and create a beautiful life for yourself.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Relationship
Dear Anu hope you are doing well.While I was pursuing my postgraduation I met a guy in my university who was 8 years older to me and we were in the same class. I was 23.We were great friends. I helped him in English and to write messages that he would send to other girls 'in English.This went on until the girl (teacher of the university) rejected his proposal.He proposed me a few days later. I accepted it.He wanted marriage, I wanted time.The relationship lasted for 5 months before he ended it. He wanted to be friends.Every now and then I message him regarding my problems and he offers me a solution or at least consoles me.That’s how our friendship had started.It’s been 2 years now. He never texted me but always replied back.While in the relationship he has always been looking around at other girls. The relationship had been very controlling, dominating but did help me during my difficult times.I don't know what it was. Did he even love me?He wants to be friends with me the entire lifetime. What does my friendship or presence offer him? He has also taken academic help from me during university days.
Ans:

Dear S,

The very fact that you have asked me this question as to whether he loved you at all simply suggests that you have the answer to that.

Certain actions of people can make us quite unsettled and I would like to point you to the fact of him proposing to you almost immediately after he was rejected by the other girl (teacher).

What does that tell you?

Doesn’t it seem that he is possibly incapable of taking rejections and also wants to feel the aura of woman around him all the time?

Aren’t these messages enough for you to be able to find someone more mature and someone who respects your presence in his life and wants to marry you for love and a life together rather than to make him feel secure, whole and complete?

Never try and fill an emotional void in a person which must be filled by them on their own accord. Once you fill it, another void will be waiting to be filled by someone else and before you know, you will be caught in a loop that can’t be untied.

Your presence offers him warmth, attention and care of woman that you have possibly been splurging on him.

When he finds another woman offering this, he might be ready to try that as well. Be your own person, guard your boundaries and let people in who nourish you and accept you for who you are.

Be well and happy!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
I am very stressed these days. I am in love with a married man. He happens to be my colleague whom I met in 2020.Initially it was just a senior junior relation where he would help me in official matters. At the same time, I was recovering from a break up followed by severe health complications. Slowly, I started spending time with him, in the office only talking about office issues then my personal life. He too shared some of his and eventually I started developing feelings for him. But since I knew he was married I would always maintain that distance. I just wanted a healthy friendship but may be my personal turmoil was to the extent that I needed an emotional support and so I confided in him. He too would understand me, give me support and I could feel that he likes me. One day I confessed my feelings and he too reciprocated. He had told me earlier that he is living a compromised married life where there is no emotional connection. However, he will continue with it as his wife is dependent on him and I said I don’t want to break a family. But I have fallen in love with him. His presence has given me such solace I cannot describe. I don’t want to break a home. So, I have started maintaining distance as well but I really miss him. I feel I lost a friend in the process.
Ans:

Dear SJ,

This is something that I have been seeing lately with a lot of people.

Something lacks within your current relationship and to fulfil that you look for it elsewhere only to realise that things have gotten out of hands.

In your case, love has blossomed in and suddenly now you have realized that it might cause a flutter within two relationships.

He has made it clear that he wants to be with his wife which should give you an idea not to make any more emotional investment. You will end up getting hurt even more if you do.

Time for you to start feeling solace and gaining better self-esteem by valuing yourself more. You don’t need anyone for you to love yourself, do you?

So, stop giving this so much importance. He was there when you needed him and vice-versa. Now, that things are getting a little complicated, time to revise the way you think and act.

You don’t need to lose a friend if the feelings that you have for him can be healthier and not draining on either of you.

If not, maybe you need to think how you can handle this agony better. Be your own friend first and then you start making better choices on who to let into your life.

Possible? Yes, start now…

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

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Relationship
Hello mam,I have been friends with a guy from my school for last 10 years. We know each other pretty well. I even tied him a rakhi just to protect our friendship; I was too naïve. Since last month we are seeing each other frequently and have had conversations about family issues, future goals etc and during all these talks he used to come up with the topic of marriage and dropped hints for me.When I told him that I keep thinking about him throughout the day he replied that 'I gave you emotional support when you were stressed and that's why this is happening. You shouldn't pay attention to these thoughts.'What should I do? I am confused whether I love him or it was just the way he thinks it is? Please keep this anonymous.Thank you.
Ans:

Dear AS,

So brotherly feelings turned into love?

I guess when you tied the rakhi, you simply were trying to avoid facing up to the fact that there already might have been feelings for him, and it was convenient to seal the connection with a rakhi. Possible?

Now that both have discovered that it might be more than what you thought of initially, please sit down like mature individuals and talk about it.

No point trying to avoid the feelings for each other if they indeed exist. After which, both of you can decide the right course of action.

Also, dropping hints might be your reading of the situation based on what you wished or hoped for.

It could very well be one-sided from you, so it’s better to have that frank chat and put all these doubts and uncertainties to rest.

Makes sense? Wait no longer…

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 24, 2024

Asked by Anonymous - Jan 22, 2024Hindi
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Relationship
Hi, I'm 18years old girl.from last 4years one guy is loving me.he is 23years old right now.we didn't met but we are chatting in online and we are talking in mobiles also.he is behind of my house.we exchange our numbers also. but,actually i like him like a friend.but,he is loving so much to me.after that i got a praposal from our college senior.but,i didn't accept his praposal. we are changing our numbers and chatting and talking in mobiles.but,one day i accept him.actually i have an friend before i said who loves me from last 4years.now my friend is saying i want to marry you from last 2years.but,i didn't love him.he is caring like my mother from last 4years.he never misbehaving with me.he never talk rudely.but i said to him,I'm already in relationship since 3months with one guy.but,his said don't tell any thing to me.im loving you since last 4years.why did not accept my praposal.why you accept to him.he just you know from since 3months.but,im loving and caring from last 4 years.why you not accept me and why you accept his... I already spoke with him I'm in relationship with the guy who is of my college senior.but,he is not understanding.he said i love you and i want you only.i dont want any one.i need only you,he told me like that... Please tell me what will i do....
Ans: Dear Anonymous,
Please get away from this guy who says he has been in love with you for 4 years. He seems obsessed with you and you can be in a relationship with anyone that you wish to...
But also, you don't seem to be sire as to what you want to do...at 18, relationships can be confusing...why don't you focus on having more friends at college rather than getting into a serious relationship? There's always time for that seriousness later in life...build a good friend circle and put your energies into studying well and in a year or two when you display that maturity, you will be able to have better relationships...

All the best!

..Read more

Ravi

Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 02, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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Relationship
Hi one of my married friend having 02 children (son approx - 11 yrs and daughter - 8 yrs ). He have a lot of love and care for his family and he take care of every need of the family. But suddenly he fall in love with his companion girl who is single (widow) and have a daughter of 11 yrs approximately. They oftenly meet with each other even have intimate a lot of time. Now he or she only have a relationship which is never acceptable and both of them not want to leave their families. However they just never felt uncomfortable to each other in their personal life and take of each other like husband wife. But my friend afraid of his personal life as if his wife will know their relationship she never accept it. Moreover it will hamper their personal life also. But as of now both females are happy with him coz his wife didn't know about their relationship. Will he still continue the relationship as neither he leave her female partner nor his wife. He takes care of both of them very comfortably. Kindly suggest upon it.
Ans: Dear Anonymous,
I understand that you want to know whether your friend will continue having his extramarital affair. It is difficult for me to tell, but if he is morally okay and guilt free to cheat on his wife, the mother of his two kids, it is possible that he will continue with the relationship until something blows up, i.e., his wife finds out or his girlfriend backs out. I don't see how that is ethically correct from any possible angle.

Best Wishes.

..Read more

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 03, 2024Hindi
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Money
Hi, I am 30 years old, F, married (no kids yet) earning 1.3L/m. Currently I have 4 lakh in FD and a RD of 25K/m earning 7.1% interest. I have been doing SIP of 17.5K(and increase in SIP by 25% yearly). Also, I have an emergency fund of 4 Lakh in savings account. I don't have any knowledge of investment and not sure I am ready to take risk. Please suggest me how to asses risk and what are the best savings option for next 10-12 years.
Ans: It's great that you're taking steps towards financial planning and building wealth for your future. Assessing your risk tolerance is an important first step in determining your investment strategy. Here's a tailored approach to help you assess risk and explore suitable savings options for the next 10-12 years:

Risk Assessment:
Start by understanding your financial goals, time horizon, and comfort level with investment risk.
Consider factors such as your age, income stability, financial obligations, and future aspirations when evaluating risk tolerance.
Reflect on how you would react to market fluctuations and potential losses in your investment portfolio.
Investment Options:
Given your risk aversion, focus on low to moderate-risk investment options that offer stability and steady returns over time.
Explore fixed-income instruments such as Fixed Deposits (FDs), Recurring Deposits (RDs), and Debt Mutual Funds, which provide capital preservation and predictable returns.
Diversification:
While prioritizing safety and stability, consider diversifying your investment portfolio across different asset classes to manage risk effectively.
Allocate a portion of your savings to equity mutual funds or index funds with a conservative approach to benefit from potential long-term growth while minimizing volatility.
Savings Goals:
Identify your financial goals for the next 10-12 years, such as buying a home, starting a family, or saving for retirement.
Prioritize your savings goals based on their importance and urgency, and allocate your investments accordingly.
Regular Review and Adjustment:
Periodically review your investment portfolio and reassess your risk tolerance, financial goals, and market conditions.
Adjust your investment strategy as needed to stay aligned with your objectives and adapt to changes in your financial situation or life circumstances.
Financial Education:
Invest time in learning about different investment options, risk management strategies, and personal finance principles.
Consider seeking guidance from a Certified Financial Planner who can provide personalized advice and help you navigate the complexities of investing.
Remember, while it's important to prioritize safety and stability, being overly conservative with your investments may hinder your ability to achieve long-term financial growth. Find a balance between risk and reward that aligns with your goals and comfort level. With careful planning and informed decision-making, you can build a strong financial foundation and work towards achieving your aspirations over the next decade.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Hi sir am 35yrs old , and i don't have any savings till now. I am planning to do SIP now onwards 30k per month and mai aim is to I need to achieve 1cr till 45yrs. Kindly suggest me some funds were can I invest.
Ans: Starting a Systematic Investment Plan (SIP) is a great step towards building wealth for your future goals. Given your goal of reaching 1 crore by the age of 45, it's essential to choose mutual funds that align with your risk tolerance, investment horizon, and financial objectives. Here are some suggestions for mutual funds to consider for your SIP:

Diversified Equity Funds:
Look for funds that invest across various sectors and market capitalizations to spread risk.
Consider funds with a proven track record of consistent performance and experienced fund managers.
Large Cap Funds:
Large-cap funds invest in established and well-known companies with a track record of stable earnings.
These funds offer relatively lower risk compared to mid and small-cap funds, making them suitable for long-term wealth creation.
Mid and Small Cap Funds:
Mid and small-cap funds have the potential for higher growth but come with higher volatility.
Invest in these funds if you have a higher risk appetite and a longer investment horizon to ride out market fluctuations.
Balanced Funds:
Balanced funds, also known as hybrid funds, invest in a mix of equities and debt instruments.
These funds provide a balance between growth and stability, making them suitable for investors seeking moderate risk with potential for capital appreciation.
Index Funds:
Index funds replicate the performance of a specific market index, such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors looking for passive investment options with diversified exposure to the equity market.
Tax-saving ELSS Funds:
Consider investing in Equity Linked Savings Schemes (ELSS) to benefit from tax deductions under Section 80C of the Income Tax Act.
ELSS funds have a lock-in period of three years and invest primarily in equities, offering the potential for higher returns over the long term.
International Funds:
Explore international funds that invest in global markets to diversify your portfolio and access opportunities beyond domestic markets.
These funds provide exposure to sectors and companies not available in the Indian market and can offer diversification benefits.
Before investing, assess your risk tolerance, investment horizon, and financial goals. Consider consulting with a Certified Financial Planner to create a personalized investment plan tailored to your needs and objectives. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your goal of 1 crore by the age of 45. Remember, disciplined investing over time can help you achieve your financial aspirations.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

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Money
What should be the investment even after retirement and in which fund
Ans: Post-retirement, it's crucial to maintain a well-balanced investment strategy that aligns with your financial goals, risk tolerance, and income needs. Here's a tailored approach to consider:

Investment Objectives:
Focus on preserving capital, generating regular income, and managing inflation risk to sustain your lifestyle in retirement.
Prioritize investments that offer stability, liquidity, and moderate growth potential to meet your income requirements.
Asset Allocation:
Allocate a portion of your retirement corpus to fixed-income investments such as bonds, debt funds, and Senior Citizen Savings Scheme (SCSS) to provide a steady stream of income and capital preservation.
Maintain exposure to equity through balanced funds or conservative equity funds to benefit from potential capital appreciation while managing volatility.
Regular Income Generation:
Consider investing in dividend-paying mutual funds or systematic withdrawal plans (SWP) to generate a regular income stream from your investment portfolio.
Opt for funds with a history of consistent dividends or reliable income distributions to support your post-retirement expenses.
Risk Management:
Prioritize investments with lower volatility and downside protection to safeguard your retirement savings from market fluctuations.
Diversify across asset classes and investment vehicles to mitigate risk and enhance portfolio resilience.
Tax Efficiency:
Choose tax-efficient investment options such as tax-free bonds, dividend-paying funds, or capital gains tax-exempt instruments to optimize your post-retirement income.
Leverage tax-saving opportunities available to retirees, such as Senior Citizens Savings Scheme (SCSS) or Pradhan Mantri Vaya Vandana Yojana (PMVVY), to maximize tax benefits.
Regular Review and Adjustment:
Continuously monitor your investment portfolio and adjust your asset allocation and investment strategy based on changing market conditions, income requirements, and personal circumstances.
Consult with a Certified Financial Planner periodically to ensure your investment plan remains aligned with your post-retirement goals and objectives.
Overall, maintain a balanced approach to post-retirement investing, focusing on income generation, capital preservation, and risk management. By diversifying across asset classes, prioritizing stability, and staying disciplined in your investment approach, you can build a resilient portfolio that supports your financial well-being throughout retirement.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Sir, I started investing in MFs since 2007. These are the schemes where I am investing currently. Do I need to make any changes to my portfolio? I am planning to invest Rs 50,000 per month for a period of 20 years. I want a corpus of Rs 5 cr after 20 years. Do I need to add any new schemes to reach my target? * Mirae Asset Tax Saver Fund G * Motilal Oswal NASDAQ 100 ETF * Parag Parikh Flexi Cap Fund * Aditya Birla Sun Life Mfg Equity Fund * Aditya Birla Sun Life Tax Relief 96 * 360 One Focused Equity Fund - Growth * Mirae Asset Emerging Bluechip Fund - Growth * Quant Tax Plan * Axis Bluechip fund * Canara Robeco Emerging Equities * Canara Robeco Equity Tax Saver * HDFC Gold Trader Fund Growth - Direct * HDFC Tax saver ICICI Prudential Technology Fund – Growth
Ans: You've built a diversified portfolio over the years, showcasing a thoughtful approach to long-term wealth creation. It's commendable how you've spread your investments across different market segments and themes.

To reach your target corpus of Rs 5 crore in 20 years with a monthly investment of Rs 50,000, it's essential to periodically review and adjust your portfolio. Consider rebalancing to ensure alignment with your goals and market conditions.

While your current portfolio includes a mix of equity, tax-saving, and thematic funds, consider adding diversified options to enhance portfolio resilience. Focus on funds with strong track records, experienced fund managers, and consistent performance.

As market dynamics evolve, keep an eye on new investment opportunities and emerging sectors. Stay informed and open to adjustments to optimize your portfolio for long-term growth and stability.

Remember, investing is a journey, and it's essential to stay patient, disciplined, and focused on your goals. With prudent planning and regular review, you're well-positioned to achieve your financial aspirations. Keep up the good work!

...Read more

Mayank

Mayank Chandel  |497 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Career
My daughter wants to pursue MBBS ,how can I get admission in AFMC pune
Ans: Hello Sir/Madam
Age: Candidates must be at least 17 years old and not more than 24 years old as of 31st December of the year of admission.

NEET UG Examination: Admission to AFMC Pune is through the NEET UG (National Eligibility cum Entrance Test for Undergraduate) examination conducted by the National Testing Agency (NTA). Candidates must appear for NEET UG and qualify with the minimum required percentile.

Online Registration: After the NEET UG results are declared, candidates who have qualified for NEET UG and meet the eligibility criteria for AFMC Pune need to register online on the official website of AFMC.

Screening Process: Shortlisted candidates are called for a screening process at AFMC Pune, which includes a written test, aptitude test, and interview. The written test assesses the candidate's scientific knowledge, the aptitude test evaluates the candidate's officer-like qualities, and the interview assesses the candidate's personality and suitability for a career in the Armed Forces.

Final Merit List: Based on the performance in the NEET UG examination, screening process, and other criteria, a final merit list is prepared for admission to AFMC Pune.

Medical Examination: Candidates who are selected based on the final merit list undergo a medical examination to ensure they meet the medical standards required by the Armed Forces.

Admission and Training: Selected candidates are admitted to AFMC Pune for the MBBS program and undergo training to become medical officers in the Armed Forces.

...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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