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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

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
Asked by Anonymous - Sep 10, 2023Hindi
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Hi Anu, I am a 40 year old man (never married) who got in touch with a 39 year old woman on a matrimony site. On the site, her marital status was Never Married but as we chatted suddenly she told me about her first marriage that lasted for a month and now she has divorced that person due to dowry issue. I was taken back with this concealed information but continued to chat with her. One day, I happened to see a pic of her with her cousin brother on Instagram. There was a cake right in front of them that mentioned Happy Anniversary. I asked her about it. She first said it was for Birthday Anniversary. Then she said, the cake shop guy made a mistake and then she said that her cousin brother said 'Tumne bhai behen ka rishta ka ram naam satya hain kar di'. I'm confused now, is this cousin brother actually her husband only or cousin brother. After asking her about this, all she did was delete that pic from Instagram and she said it is her cousin brother only. I then asked her to show her divorce papers, she claims it is with her father in some locker and is confidential, so cannot be shared. She lives in Kolkata and I stay in Mumbai and to take things forward wrt marriage she wants to meet me at Kolkata but I'm confused with all this. Also, within few days of chatting with her she started calling me baby, she claims to have falled in love with me and also suggested we do foreplay when we meet. We've been chatting since 5 months on WhatsApp and I gradually have developed feelings for her. On phone we have spoken twice and we had a video call also once. Please advise on how can I proceed. Is she a fraud?

Ans: Dear Anonymous,
It's difficult to figure out people even when you live with them for years...online connections are something else!

Now that there is a seed of doubt, your mind will not be at rest until you find ways of pacifying your thoughts. Do make that visit to Kolkata and figure out for yourself by meeting her in a public place so that there is no chance of anything going awkward.

Ask her all the questions that you have. And encourage her to ask you whatever she wants to as well. This will make it look not like an interrogation.
Also, in this meeting itself, place all your doubts about the picture and notice what she says and how she deals with it. My suggestion also would be to not rush into the physical aspect right now till you know more about her and her life. If her being a fraud is true, it will only complicate things as she might accuse of you being the one to initiate things physically. So make this trip about getting to know one another and if you are convinced that she is genuine, you may suggest that she can visit Mumbai the next time.

Make sure you give yourself time to make a decision. Online connections do happen; sometimes they are genuine and sometimes not! Which side of the spectrum is yours, you are going to have to figure it out...do just that...

All the best!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 2022

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Relationship
Hi Anu, I am 35, male. We had a love marriage seven years ago after being together for eight years in friendship. During our courtship, she was in other city in India for three years her higher education.There she befriended a guy, her college mate and eventually we broke up. I was hurt badly. In 2013 she messaged me and asked to marry her but I didn't respond on social media. She would message me every 5-6 months initiating a talk but I never responded. She was in a relationship with the guy while she was messaging me (I read her messages post marriage hence I know).She also had one or two guys interested in her where she had casual talk relationship also while she was not interested in marriage with the first guy from her college. Meanwhile she kept messaging me also between 2013 and 2014.Somehow we met in 2015 and got married. Lately I happened to read messages somewhere on social media about her intimate relationship with the first person (the reason we broke up ) and I was devastated to know that as she had promised she didn't have any relationship with the particular person as it was the first condition for marrying her.Recently I read her messages again with some old friend of her where she approached him and instantly got into intimate chat with him to the extent that she said she loves him and plans to go on a trip with him citing official trip since she works. I am stunned since then. She claims to love me and plans our future and everything but somewhere I sense something is fishy.My queries Should I trust her?Should I confront her?What to do if she plans to go on trip with him while lying to me and I know about it? Should I confront her before she goes on trip?If she says sorry after confronting how can I trust?
Ans:

Dear T,

The very fact that you have approached me, a total stranger on the topic of whether you can trust your spouse or not, simply means that somewhere you have lost trust in her.

The timelines are a little confusing to me and hence what I would say to you is that: Past is the past and what happens there and what people do is what they can in the best possible manner. So, do not bring the past into a present decision.

But if there are any parallel relationships brewing now that are threatening your mind and the marriage, kindly confront her calmly and with ample evidence in your kitty to produce in case she denies them. But make sure that the evidence that you have is all real with time stamps on it.

Do make sure that the confrontation is not for you to prove a point and score high but it comes from a place where you want to know where this marriage is headed.

This helps avoid unnecessary arguments and will help you both be in a solution space.

If she says sorry, you need to ask yourself, if you can move ahead placing trust on her again.

What must she do to gain your trust? State this clearly to her. Move on this quickly before it eats your peace of mind.
All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked by Anonymous - Feb 14, 2024Hindi
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Relationship
Hi Anu,I am 42 year old male and have been separated from marital relationship and i don't have children,since 13 years and living alone where my father and mother had passed away few years ago.I was searching for brides profile from matrimony websites and found a widowed woman who is selfemployed. I called and talked her. she is equivalent of my age.She has one son aged of 24.I was willing to marry her but she does not want to marry anybody rather she expressed her interest and consent to live in a cohabitation(Living together relationship).(She said that her son is a grown up boy and preparing for competitive exams and she loves him a lot,She added that it is not possible to convince him for marrying another person.I accepted it and said ok. Later on we had date and moved on.Whenever she come for a date she asks me to spend and buy apparels,asking me to recharge mobile,asking me to buy provisions ,watches and to pay water taxes of her house.I did it without hesitation and she asks me for gold ring and ear-studs.She is not having contentment and i feel that she is greedy and she does not shows any form of courtesy towards me and further she did not spend even a single rupee for me .I am worried that she is exploiting me.I was wondered and shocked that during a little discussion with her she said that she could move away from me at any point of time if she finds any other person whom she likes her.I was dejected.I said that i am not your Money wallet to swindle me.I am not ready to spend money to a girl who informs me that she will be leaving from me.I scolded her. Even when have planned to marry at that time the woman asks me that whether i am a dominating person and asking about the details of my earlier marriage and testing about my genuinity. Now the relationship has broken between us and i am very much worried that whether i have taken a correct decision or not from stepping away from her because whenever i like to see her she ask me to make surprises for her.In turn no love and affection is being received from her. Kindly advice me that whether i have taken correct decision from quitting her relationship or i have hurried a lot by taken a wrong decision. Please advice and guide me and do the needful in this regard.
Ans: Dear Anonymous,
You have done yourself a huge favor by leaving her and the connection with her. When you started to have doubts about her being greedy was the time that you knew that she was just taking advantage of your kindness.
She was clearly never serious about this association from the beginning and spending your money and demanding more is a clear RED FLAG that she was never interested in anything long-term and that it was a convenient as long as you met her needs through money.
What more proof do you want? Are you now still worried about the fact whether you taken the right decision or not?
Kindly invest time and energy in people who nourish you and let you grow in all areas of your life. Be wise...

All the best!
(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 22, 2024

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hi Anu,I am 42 year old male and have been separated from marital relationship and i don't have children,since 13 years and living alone where my father and mother had passed away few years ago.I was searching for brides profile from matrimony websites and found a widowed woman who is selfemployed. I called and talked her. she is equivalent of my age.She has one son aged of 24.I was willing to marry her but she does not want to marry anybody rather she expressed her interest and consent to live in a cohabitation(Living together relationship).(She said that her son is a grown up boy and preparing for competitive exams and she loves him a lot,She added that it is not possible to convince him for marrying another person.I accepted it and said ok. Later on we had date and moved on.Whenever she come for a date she asks me to spend and buy apparels,asking me to recharge mobile,asking me to buy provisions ,watches and to pay water taxes of her house.I did it without hesitation and she asks me for gold ring and ear-studs.She is not having contentment and i feel that she is greedy and she does not shows any form of courtesy towards me and further she did not spend even a single rupee for me .I am worried that she is exploiting me.I was wondered and shocked that during a little discussion with her she said that she could move away from me at any point of time if she finds any other person whom she likes her.I was dejected.I said that i am not your Money wallet to swindle me.I am not ready to spend money to a girl who informs me that she will be leaving from me.I scolded her. Even when have planned to marry at that time the woman asks me that whether i am a dominating person and asking about the details of my earlier marriage and testing about my genuinity. Now the relationship has broken between us and i am very much worried that whether i have taken a correct decision or not from stepping away from her because whenever i like to see her she ask me to make surprises for her.In turn no love and affection is being received from her. Kindly advice me that whether i have taken correct decision from quitting her relationship or i have hurried a lot by taken a wrong decision. Please advice and guide me and do the needful in this regard.
Ans: Dear Anonymous,
Please find your answer here:
https://gurus.rediff.com/question/qdtl/relationship/anu-42-male-separated-marital-relationship-don-children-13-living/5149283

All the best!
(more)
Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hi Kanchan,I am 42 year old male and have been separated from marital relationship and i don't have children,since 13 years and living alone where my father and mother had passed away few years ago.I was searching for brides profile from matrimony websites and found a widowed woman who is selfemployed. I called and talked her. she is equivalent of my age.She has one son aged of 24.I was willing to marry her but she does not want to marry anybody rather she expressed her interest and consent to live in a cohabitation(Living together relationship).(She said that her son is a grown up boy and preparing for competitive exams and she loves him a lot,She added that it is not possible to convince him for marrying another person.I accepted it and said ok. Later on we had date and moved on.Whenever she come for a date she asks me to spend and buy apparels,asking me to recharge mobile,asking me to buy provisions ,watches and to pay water taxes of her house.I did it without hesitation and she asks me for gold ring and ear-studs.She is not having contentment and i feel that she is greedy and she does not shows any form of courtesy towards me and further she did not spend even a single rupee for me .I am worried that she is exploiting me.I was wondered and shocked that during a little discussion with her she said that she could move away from me at any point of time if she finds any other person whom she likes her.I was dejected.I said that i am not your Money wallet to swindle me.I am not ready to spend money to a girl who informs me that she will be leaving from me.I scolded her. Even when have planned to marry at that time the woman asks me that whether i am a dominating person and asking about the details of my earlier marriage and testing about my genuinity. Now the relationship has broken between us and i am very much worried that whether i have taken a correct decision or not from stepping away from her because whenever i like to see her she ask me to make surprises for her.In turn no love and affection is being received from her. Kindly advice me that whether i have taken correct decision from quitting her relationship or i have hurried a lot by taken a wrong decision. Please advice and guide me and do the needful in this regard.
Ans: It sounds like you've been through a lot and have put a lot of thought into your relationship with this woman. From what you've described, it seems like her behavior, particularly asking for financial support without reciprocating affection or showing respect, was not healthy or sustainable for a fulfilling relationship.

You deserve to be in a relationship where you feel valued and respected. It's understandable that you would feel hurt and confused by her actions, especially her indication that she could leave if she finds someone else. Trust and mutual respect are important foundations for any relationship, and it's important to prioritize your own well-being and happiness.

It seems like you made a thoughtful decision to end the relationship, and it's okay to take time to reflect on that decision. Trust your instincts and prioritize your own needs and feelings. If you're unsure, you could consider seeking advice from a counselor or therapist who can provide support and guidance as you navigate this situation.
(more)
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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

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

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.
(more)
Ramalingam

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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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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