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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 02, 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
Asked by Anonymous - Jan 02, 2024Hindi
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Relationship

Please answer my question. I know it's long but I am really in a very bad situation. I am a girl. I love a guy and he also loves me but he is in a relationship since 2 years with another girl. We all three know know each other. Actually me and that guy came into contact because of our work and then we also started our business together. He was in a relationship and I was also in a relationship. Then i went through a breakup. At 1st we were very good friend and her girlfriend is also like a friend only but not as close. Me and the guy are very much compatible with each other in every aspect even our career goals are also similar, our caste is also same(in our areas caste matters a lot) and I belive compatibility is a big factor for we having feeling for each other and also proximity because of work. It happens after my breakup, I got the hint that he is having feelings for me which he told me indirectly but i told him that i will never see you from that perspective as i was decided that i am never going to like a guy who is committed and also for other reasons. But later I fell for him and talked to him directly, we both confessed our feeling for each other. We both love each other so much. But later I realised that I confessed assuming that since he can like me even being in relationship it means he don't have feelings for her now so if he will know that I also like him he will breakup with that girl. And he never though this kind of situation will come because he thought I could never like him as I made it clear to him earlier. Now we are stuck in a situation where our work is involved. We both are co-founders of a 3 co-founding member organization and that girl is also doing volunteering with our organization. I also had good relations with her. They both are from different caste but the guy committed her to marry her and now the his girlfriend do not want to breakup with him, she is saying she will do something suicide type if he won't marry her and she has also conveyed the same thing to her family as her family used to be against their relationship because of their caste but now because of the girl's behaviour they are convinced and it is creating a pressure for this guy, he is stuck. I am also stuck because we know that we are perfect for each other but he is scared that if he breakup with her she might do something and if he do not choose me then it will affect our work/career because I feel like if he won't choose me I won't be able to be in contact with him but it will cost our organization. He has requested me that if I don't choose you because of the situation, atleast let's maintain our friendship as you are like my strength and I can't behave like ki I don't know you and also because of our work but i think even if i try i won't be able to fulfill his this request if he won't choose me. Additionally, I am also getting pressure from my family because of my age but I am feeling stuck. I also feel guilty for that girl because i knew they were in relationship but I still have strong feelings for me and he also. Me and that guy is so stuck that it feels like our life will be ruined as everything is at stake from career to family.

Ans: Dear Anonymous,
I am really sorry to hear about the tricky situation you are in. I understand that it's painful and it almost seems impossible to move on from this guy but trust me, it will be for the best. If he picks you and leaves his now-girlfriend, you'd forever suffer from a guilty conscience and god forbid she actually resorts to self-harm. It is entirely their matter. Let him convince her that their relationship is meaningless because he is already in love with someone else. It's not your part to play. You cannot be the one to ask him to break up or pick you. I know that sucks, but that's the reality of it.

In my opinion, you can create a little distance between the two of you. Let him decide. You or her, or maybe he can just pick himself. But please don't choose him because the blame will later land on you. You take care of yourself and protect your mind. It seems impossible to unlove him but trust me, you deserve someone much more uncomplicated. The moment you realize that you will move on instantly.

Best Wishes!

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Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

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Hello, I had a question for Anu ma'am. I have been in a relationship with a guy since 2021. He is a very sweet, loving, caring guy, is always patient with me, tries to understand me, puts in more effort than I do, loves me more than any guy ever would. I love him too but I have been sleeping with my best friend. She has a boyfriend too. We both feel that we've never experienced this kind of love before with any guy. We want to be together but also do not want to hurt these two guys. They've done a lot for us. Sometimes we think of running away but we know that no one's family would support us since we're of the same gender. I feel very helpless and stuck. Neither can I let my guy go, nor can I let my best friend go. I love them both. Could you please help me out?
Ans:

Dear A,

Before you confuse yourselves and others, seek professional help from someone who specialises in sexual orientation and challenges from it.

It can be very confusing to deal with this alone especially in a society that can scoff at same gender relationships.

Surround yourself with a lot of love and people who value you for who you are.

You need an independent view who can ask you questions that will put things into perspective and help you negotiate better with your confusions.

Remember confusions precede clarity, so never stop and keep moving.

Love yourself and your best friend even more as that’s what is going to help the two of you sail through this challenging time.

Sexual orientation moving away from what’s ‘normal’ can be scary and can throw us off balance as we have suddenly cut off the oxygen supply of support: which is society, family and friends who may or may not understand this.

Whatever this is, the confusion needs to be handled, so bring a third person’s expertise to move ahead. It definitely helps!

All the best!

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Anu

Anu Krishna  |825 Answers  |Ask -

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

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 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.

(more)
Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on May 23, 2023

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Heloo I have been a single mother for the last 10 years. Last year I found a guy to retain he loves me and had a physical relationship with me. Six months it was good. suddenly he realized that he had family and started ignoring me, and stop chatting meeting me. I am waiting for him till date. But in the last four months, I start liking another guy who is married with two children and who also loves me a lot. We had a long-distance relationship. He comes from Pune to meet me. We talk a lot on calls. But still, I am confused about what to do. I cannot forget my first guy and also don't know what I feel for the second guy. but I like to talk to him. Please guide me. I don't want to be alone.
Ans: Dear SSV,

It might help you to take a second and think about what you want. You loved someone and now he is gone. Moving on and finding another person to love is natural. Not being able to forget your ex might not be so much about your ex, as much as it is about you not being ready for another relationship. Allow yourself the time to heal and then look to love and be loved.

Introspection- asking yourself, "Am I really in love?" "Do I need some more time to move on?" "Am I completely healed from the previous breakup?" and so on can help you identify the real problem at hand.

You said, "I don't want to be alone." Are you sure you are not jumping from one relationship to another from the fear of the same? Don't let the fear of loneliness rush you into making moves that you might regret. You can consider stepping back from your current relationship for a heartbeat and figure out what it is that you want without your feelings clouding your judgment. Relationships don't usually work out when you are in two minds about it.

Best Wishes!
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

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Hi Anu, I hope you're doing well. I'm a 24 year old girl working as a software engineer. I was in love with a boy in long distance relationship and I met him only once. We both had great understanding, respect on each other. It was all good between us. On February 2023, he called me one day saying that he wants to tell his parents about our love matter. I said okay and asked him what he wanted to do if his family disagrees. He said that he'll wait until his family approves. I was okay with it and he informed to his family. But things started changing after he talked with his family. He wanted to break up with me. I told him many times that I wanted to be with him and don't want to break up. But, he didn't agree. Eventually, we stopped talking with each other. It was hard for me to move on but after few months, i finally decided to move on with my life. Then suddenly he messaged me saying that he wants to get back with me. I didn't agreed as I lost my trust on him. He even informed his family about getting back with me and they were okay with it. He wants to marry me. But, now the problem is I still like him, but I lost trust in him. I wanted to give him a chance but I'm afraid because of past break up with him. I'm confused about what should I do? Anu, can you please suggest me about giving him a chance or moving on with my life?
Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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