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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 23, 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
AK Question by AK on Feb 23, 2022Hindi
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Relationship

 Hello Mam, I have been relationship in past 2 1/2 years. I saw her in my first matches and she didn’t show interest in me.
Later she got in touch with me and we got into a relationship.
Due to lockdown we couldn’t meet. Whenever I ask her to meet up she used to tell me NO.
We met only 4 times in 2 years.
And I’m only looking her all daily needs and expenses.
She is ready to meet her friends but for me she will tell it’s not possible because of parents and other circumstances.
Sometimes I feel she is using me. I’m confused. What decision should I make? I told her many times 'let’s move on.'
After a couple of days I will only call her to talk but she never says let’s move on.
Please suggest what I should do.

Ans:

Dear AK, maybe she has moved on and at the time when she liked you, you happened to be a mere distraction.

How do you know that you are in a relationship with her? Have the two of you talked about it?

If not, please request for a meeting and simply and kindly ask her where does she see this relationship going in the next 2 years?

That will give you an idea as to why she is avoiding meeting you and seems to find time to meet other people.

If she refuses this meeting as well which is important for both your futures, I think you have your answer and there is nothing more to clarify. Time for you to move on…

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Sep 09, 2022

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Dear Love Guru, I am 50 years divorced man in relation with a 42 years divorced women. We have known to each other for the last 7 years, but only for the 8/9 months we have committed to each other. We intend to marry. But she insists for 40 lakh money and 1 flat in her name. Then only will see agree to marry. She says if not given she will marry another guy who will meet her requirements. I am so much in love that I am thinking of giving her demands and marry her.  But the real problem is, she has many male friends with whom she regularly chats over watsup and messanger. She also goes for dinner with some friends.  Secondly, whenever we go to any group parties (her known) she flirt around with male friends, like taking pictures holding each other, dancing closely together etc. I after ask her dance with me or take snaps with me, she just avoids. I have seen many male friends of her touching her bump or cheeks or holding her waists, she never objects. But when I try to do the same, she objects saying what people will think etc. She tries to stay away from me during the parties. I constantly remind her to stay with me, she says not to be so possessive and allow her some space.  Previously we had sex once a month for 5/6 months, but for the last 3 months she has totally stopped having sex, she says will do it only after marriage. Whenever we had sex, she didnt seems to participate, she just tells me to finish off fast.  Again, I am only one who telephones her every night for talking. She never calls me. Throughout the day she never calls and rarely chats with me. After I propose or insists, we meet once in 10 days. she always prefers to meet in group of friends. With me she talks quite ok, but in group she becomes very lively and active. I am confused whether to proceed for marriage by fulfilling her demands. What if after marriage she repeats the same flirteous nature and not so committed towards me. Please advice and help. Regards.
Ans:

You're confused? There's nothing confusing about the situation -- this woman wants nothing from you except an apartment and money.

She doesn't call you, she doesn't hang out with you, she doesn't like acknowledging you in public, she doesn't like having sex with you and she'll marry someone else if you don't fork over the moolah.

Stop considering how to ruin your life and find someone who's happy with you even minus the Rs 40 lakhs and the flat!

..Read more

Ravi

Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on May 12, 2023

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Relationship
I was in a relationship for 3 months but the girl never reciprocated in the same way as i did.There was no initiative from her side but when I used to ask her why is this happening only i m trying to build but you aren't, she used to say that i was unable to see anything she is doing for me.To be very honest and being impartial if i was at level 10 she was at 1.One day on this very topic some arguments happened and she walked away.After that no message no call and she used to tell me that she loved me but she never ever tried to reach out to me.Now its been one month.I literally am feeling really gloomy.Now she is putting status and showing that to me that i was not ready to build with her i uttered wrong words to her.But honestly i am telling you that I loved her very much and tried all the ways to build with her but she never reciprocated.I still miss her a lot but she seems to moved on so easily that's hurting me too much simultaneously she is putting these statuses too What to do?
Ans: Dear Sid,

If you, even for one moment, felt that you have been putting more work into the relationship than your partner, there must have been reason to believe so. Do not doubt your concerns just because your ex tried to pin the blame on you by minimizing your worries. It's a clear sign of gaslighting. As for the statuses, some people take pleasure in making others feel unnecessarily guilty, even if the fault lies on their part. My advice would be to not pay attention to any of it. If necessary, delete her contact; a clean break might help you move on. Don't do it to show her that you have moved on, but try to move on in reality. You deserve more than half-hearted efforts.

Best Wishes!

..Read more

Ravi

Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 22, 2023

Asked by Anonymous - Nov 21, 2023Hindi
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Relationship
Hi Ravi, I am currently in relationship of almost 7 years but after the COVID there was some conflict or no contact with my partner just because of a scenario. I always used to order some food for her at his flat. Let me clear one things we were in a long term relationship that time. So I ordered food and she got the order then called me in the night with a different voice tone, I said yes then It felt odd. Then she said someone is here I will call you back. Then she didn't so I called her after 2 hour she rejected and after sometime messaged me on whatsapp that deleted everything our chats and conversation because she caught by his brother (who is 10 years older than her), she told me to not contact her she will call or message only. I got scared I deleted all chats because her brother is so rude and arrogant. After 10 days she called me and said we are not going further with this relationship now on we will not be in touch, I was devastated by listening these things so I tried my best to make her understand that I will talk to your parents or brother but she denied NO and said I will again talk with bro. After these scenario she tried not to contact me and I kept trying to reach out to her via messanger because she has blocked me from everywhere. I cried alot in first 2 month then I started to link all those things that she said and try to find out the matter ( note - she got lot of friends) so I found that she in her flat then I got the tickets and go there to see what is happening I waited for the whole day then in the evening I go upstairs and open the doors, she got scared h and stunned by seeing me and I saw a guy in the flat they having hookah then I said give me my stuff and ask her to talk for the final tine 10 min downstairs. She said not now then didn't came. I took my stuff nd leave the next day I tried to over come this situation nd reaching out to his bro but didn't get connected. She also called me the next day nd her frnd but I was not able to talk. After we got disconnected for sometime. And I am a person who always wanted to know the truth behind the things because I can't live with these traumas in my mind so I tried contacting her asked lot of time why did you do that nd all but kept denying that he is just a friend. After sometime on day she came with sone massages nd saying my mom is not good nd there is nothing going well in my house plss sorry nd all so I took it normally but after sometime we got attracted again little bit then realise that we can try atleast once to be together. I know she loves me but I don't like her priorities she always put his frnds over me. Idk what to do pls tell me the way to cop up with this thing. Also I still have in mind that she has something to tell me about that boy but not telling me.
Ans: Dear Anonymous,

I understand how challenging it must be for you; I get that you are considering giving it another shot, but please be careful. If there is any doubt, anything at all, do address that right now before you are knee-deep in the relationship again. I suggest you tell your partner to first sit and clear out everything that happened before you two broke up and explain how you need a clean slate and for that, you have to know the truth.

If you suspect cheating in the past breakup, be cautious about getting back together and thinking it through. Do you want to patch things up because you love her or is the idea of being together again more comfortable than the idea of having to move on? We go back to the same person, even if it's toxic for us because there's comfort in familiarity, not because it's the best choice. It's time for introspection. Also, don't feel guilty about saying no to getting back together if it's not the right decision for you. Whether it was family issues or infidelity, she chose what seemed best for her at the time, and it's okay for you to do the same.

Best Wishes!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - May 04, 2024Hindi
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Money
Hi I am 25 years old with monthly salary of 50000. I want to buy a home in 3 to 4 years and also want to create wealth. How and where to invest please suggest. As of now no savings.
Ans: It's great that you're thinking about your financial future at such a young age. Saving for a home and building wealth is wise.

Budgeting: Create a simple spreadsheet or use a budgeting app to track your income and expenses. This will help you understand where your money is going each month.

Emergency Fund: This fund acts as a safety net in case of unexpected expenses like medical emergencies or job loss. Aim to save enough to cover three to six months of your living expenses.

Investments for Wealth Creation: Mutual funds and Systematic Investment Plans (SIPs) are popular options for long-term wealth creation. They pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.

Saving for a Home: Fixed deposits (FDs) or recurring deposits (RDs) are low-risk options for saving towards your home purchase. They offer guaranteed returns over a fixed period, making them suitable for short-term goals like a down payment.

Risk Management: Since your goal is to buy a home in 3 to 4 years, it's crucial to avoid high-risk investments like individual stocks or cryptocurrencies. These investments can be volatile and may not align with your short-term goals.

Diversification: Spread your investments across different asset classes to reduce risk. For example, you could invest in a combination of FDs, mutual funds, and SIPs to achieve a balanced portfolio.

Consultation: While these are general suggestions, it's essential to seek personalized advice from a Certified Financial Planner. They can assess your financial situation and provide tailored recommendations based on your goals, risk tolerance, and time horizon.

By following these steps and staying disciplined in your savings and investment approach, you can work towards achieving your goals of homeownership and wealth creation.

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Archana

Archana Deshpande  |27 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 04, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello Sir/Ma'am I'm facing problems regarding money and career related. However I'm working I'm earning but I not able set a goal, and day by day I'm becoming older, family responsibilities can't be handled because of salary issues. What to do, when I was in 12th standard my sister advised me to choose engineering line, she gave me wrong advise now I'm suffering and she is also working earning well n good she is getting high package but I'm. I think my problem is I'm not able to set a goal. Please suggest me, guide me.
Ans: Hi!!

Can I begin by saying, "stop blaming anyone for your circumstances". Your sister advised you for your own good. Engineering is a good degree to have. If you are not happy with doing technical work then see if you can add an MBA or some other skills to increase your chances of earning more. Life is all about taking decisions on a minute to minute basis. Take the right decisions now, let's leave the past behind, thinking about it has no meaning now.
... will you promise me not to indulge in the three c's- don't COMPLAIN, CRITICIZE and CONDEMN!!
Let's look forward now ...
I always believe in putting everything that overwhelms me on paper... then it starts looking doable and simpler!
So that's your first task, put everything on paper( make a goal book, write everything in it), your desires, your dreams, your goals and a everyday to-do list.
The goals should be in every aspect of your life....
1. Financial Goal
2. Career Goal- what other skills do you need to earn the money you need and move ahead in your career
3. Relationships Goal, the quality of your life is based on the quality of your relationships
4. The goal of your physical and mental well being, if you are mentally and physically fit then you can live life well
5. How to be happy without any reason, that's your primary goal.... ask yourself "what are the ways in which I can have fun where money is not involved" - looking at the sun, spending time in nature, listening to the birds singing, playing with small children( they just want you, not your money), helping someone in need, sipping coffee peacefully, make a list of all these and try doing at least two of them every day.

I don't know how good is your relationship with your sister, you say she is doing well, can you ask for her help, without blaming? Ask for help and learn from her. I am sure blood is always thicker and she will help you.

Life is never a straight line, there will always be an up and a down!

Keep up your spirits, everyday is a new day, don't blame yourself, don't blame others. be kind to yourself and be kind to others.

Everyday, take one step towards your goals, move forward... and as regards to ageing, believe me age is just a number, you are as young as you think!!

Here's wishing you a happy, healthy , wealthy life ahead!!

...Read more

Ramalingam

Ramalingam Kalirajan  |1374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - May 04, 2024Hindi
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Money
Sir,Iam retiring this month I want to invest one core, so that I can getdecent return and also consider inflation.
Ans: As you prepare for retirement, it's crucial to invest your corpus wisely to ensure a steady income and protect against inflation. Here are some considerations and recommendations:

Risk Profile: Assess your risk tolerance and investment objectives. Since you're retiring, you may prefer a more conservative approach with lower-risk investments that offer stability and income.
Asset Allocation: Consider a diversified portfolio comprising a mix of asset classes such as equities, bonds, and fixed-income instruments. Allocate a portion of your corpus to equities for growth potential and the remainder to fixed-income securities for stability and income.
Fixed-Income Options: Explore fixed-income instruments such as government bonds, corporate bonds, and fixed deposits. These provide regular interest income and are relatively safer than equities. Consider laddering your fixed-income investments to manage interest rate risk.
Inflation Protection: To protect against inflation, consider inflation-linked bonds or mutual funds that invest in inflation-protected securities. These investments adjust their returns based on changes in inflation rates, helping to preserve purchasing power over time.
Dividend-Paying Stocks: Dividend-paying stocks of established companies can provide a steady income stream in retirement. Look for companies with a history of consistent dividends and strong fundamentals.
Systematic Withdrawal Plan (SWP): Instead of investing a lump sum, consider setting up an SWP from your investment portfolio. This allows you to withdraw a fixed amount periodically, providing a regular income stream while keeping your capital invested.
Consult a Financial Advisor: Given the importance of your retirement funds, consider consulting with a certified financial planner or investment advisor. They can assess your financial situation, goals, and risk tolerance, and recommend a tailored investment strategy to meet your needs.
Regular Review: Regularly review your investment portfolio to ensure it remains aligned with your retirement goals and financial needs. Rebalance your portfolio as necessary to maintain the desired asset allocation and risk profile.
By carefully considering these factors and seeking professional advice, you can make informed investment decisions to secure a comfortable retirement and protect against inflation.

...Read more

Ramalingam

Ramalingam Kalirajan  |1374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Money
I started sip with 500 per month 6 years ago and now I have been investigating 1,20,000per month and do have plan to increase this to 2lac per month (including me and my wife's portfolio) I do invest in direct stocks as well. What would be the advise for me , is it wise decision to invest 2lac per month in mutual funds (70%equity) ? My Target is to build 5 crore by 2030.
Ans: It's commendable that you've been consistently investing and increasing your SIP amount over the years. Here are some considerations and advice:

Diversification: Investing in mutual funds alongside direct stocks provides diversification, which can help mitigate risk. Given your target of building a substantial corpus by 2030, diversification is crucial for long-term wealth creation.
Risk Tolerance: Assess your risk tolerance carefully, especially since you mention investing 70% in equity. Equity investments can offer higher returns over the long term but come with greater volatility. Ensure that your risk appetite aligns with your investment strategy.
Review and Adjust: Regularly review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Consider rebalancing your portfolio periodically to maintain the desired asset allocation.
Financial Planning: Consider consulting with a certified financial planner to create a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon. A professional can provide personalized advice and help optimize your investment strategy.
Emergency Fund: Ensure you have an adequate emergency fund set aside to cover unexpected expenses or financial setbacks. This can provide peace of mind and prevent the need to dip into your investment portfolio during times of need.
Tax Planning: Keep tax implications in mind, especially as your investment amount increases. Explore tax-efficient investment options and strategies to optimize your returns and minimize tax liabilities.
Stay Informed: Stay updated on market trends, economic developments, and changes in investment regulations. Continuous learning and staying informed can help you make informed investment decisions.
Ultimately, investing 2 lakh per month in mutual funds can be a wise decision if it aligns with your financial goals, risk tolerance, and investment strategy. Just ensure you have a well-thought-out plan in place and continue to monitor and adjust your investments as needed.

...Read more

Ramalingam

Ramalingam Kalirajan  |1374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - May 04, 2024Hindi
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Money
Dear Sir, I am a 31 year old married man.I am in a huge debt trap of multiple loans plus credit card mounting around 9 lakhs. I work in MNC company earning 70k per month. Please advise or suggest if I can come out of this.
Ans: I understand your concern about being in a debt trap, but there are steps you can take to address the situation and work towards financial stability:

Assess Your Debt: Start by listing out all your debts, including the outstanding amounts, interest rates, and minimum monthly payments. This will give you a clear picture of your financial situation.
Create a Budget: Develop a detailed budget that outlines your monthly income and expenses. Identify areas where you can cut back on spending to free up more money to put towards debt repayment.
Prioritize Debt Repayment: Focus on paying off high-interest debt first, such as credit card debt. Consider using the debt avalanche or debt snowball method to systematically tackle your debts.
Negotiate with Creditors: Reach out to your creditors to discuss repayment options. They may be willing to negotiate lower interest rates, waive fees, or offer a repayment plan that fits your budget.
Explore Debt Consolidation: Consolidating your debts into a single loan with a lower interest rate can make it easier to manage and potentially reduce your overall interest costs. However, be cautious and carefully evaluate the terms and fees associated with any consolidation offer.
Increase Your Income: Look for opportunities to increase your income, such as taking on a part-time job, freelancing, or seeking a higher-paying position within your company.
Seek Professional Help: If you're feeling overwhelmed or unsure about how to proceed, consider seeking assistance from a financial counselor or debt relief agency. They can provide guidance and support tailored to your specific situation.
Avoid Taking on New Debt: While you're working to pay off your existing debt, avoid taking on any new debt if possible. Stick to your budget and focus on living within your means.
It may take time and discipline, but with a solid plan and commitment to debt repayment, you can overcome your debt challenges and regain control of your finances. Remember to be patient with yourself and celebrate small victories along the way.

...Read more

Ramalingam

Ramalingam Kalirajan  |1374 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Money
Hi, I am 27 years old and and employees earning around 28k. I would like to create a corpse of approx 1 cr. Also I want to 30 lakhs save my parents for retirement. What should I do please advice?
Ans: To achieve your financial goals of building a corpus of 1 crore for yourself and saving 30 lakhs for your parents' retirement, here's a suggested plan:

Start Early and Save Consistently: Given your age, starting early and saving consistently will work in your favor. Allocate a portion of your income towards savings and investments each month.
Emergency Fund: Begin by building an emergency fund equivalent to at least 3-6 months' worth of living expenses. This fund will provide financial security in case of unexpected expenses or loss of income.
Investment in Mutual Funds: Consider investing in mutual funds through SIPs (Systematic Investment Plans). Choose a mix of equity and debt mutual funds based on your risk tolerance, investment horizon, and financial goals.
Equity Mutual Funds for Long-Term Growth: Allocate a significant portion of your investment towards equity mutual funds, which have the potential to deliver higher returns over the long term. Since you have a long investment horizon, you can afford to take higher risks for potentially higher rewards.
Debt Mutual Funds for Stability: Allocate a portion of your investment towards debt mutual funds for stability and capital preservation. Debt funds can provide steady returns while minimizing the overall portfolio risk.
Retirement Planning for Parents: For your parents' retirement savings, consider investing in a mix of fixed income instruments such as Senior Citizen Savings Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), and debt mutual funds. These options provide regular income with capital protection.
Regular Review and Adjustments: Regularly review your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment goals.
Consult with a Financial Advisor: It's advisable to consult with a certified financial planner or investment advisor who can assess your financial goals, risk tolerance, and investment options, and provide personalized recommendations tailored to your specific needs and circumstances.
By following these steps and investing wisely, you can work towards achieving your financial goals and securing a comfortable future for yourself and your parents.

...Read more

Archana

Archana Deshpande  |27 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 04, 2024

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Career
Hello Archana, hope you’re doing well. My name is Sundeep Prakash with 10 years of experience into Software development in Bangalore, I would like to understand how could improve my visibility with my Org level. Any to-do list to follow. Kindly advise. Thanks
Ans: Hello Sundeep!
Yes I am doing well and hope the same for you!!

I would love to help you on this.
Here's the to do list for you to increase your visibility in your organisation-
1. always dress up for the next level. Always wear ironed clothes. A collared shirt, formal trousers, polished shoes. Your socks need to match your trousers. A neat formal belt. Belt and shoes to match . Look the part
2. hone your communication skills. Communicate in a concise and precise manner, with the right tonality. Be an assertive communicator
3. develop leadership qualities
4. build on the three C's - Confidence, Capability and Credibility
5. be an enthusiastic team player
6. develop public speaking skills, just look at all the leaders, they all speak so well, it is a learnable skill
7. grab the opportunities that come your way and prove that you are ready for the next level
8. don't participate in office gossip
9. help your juniors, every leader does this. The benefits of this are immense, you become better when you teach, you develop leadership skills, you create positivity in the office, you develop communication skills and you become popular
10. work hard, work smart

I don't want to overwhelm you with more, just do these 10 pointers and see the difference it'll make to your image in the office.

And above all believe in yourself, you have 10 yrs of experience and believe that you are ready to scale upwards now!

At the end of the day...be happy and spread happiness too!!

All the very best and more power to you!!

...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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