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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 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
BG Question by BG on May 05, 2022Hindi
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Relationship

Dear Anu,
I started a relationship with this guy, who I met on a dating app like a year back. I started to like him and everything was going fine.
We started talking and soon our conversations steered towards talking about our future. However, he suddenly told me out of nowhere that he is a divorcee. His marriage was called off at the altar due to dowry issues. He and his family are embroiled in a dowry case which is going on.
I was shocked and wanted to know the entire truth but he never came clear about what exactly happened. He told me that he cannot think of marriage and the future and wants to keep it casual.
I was heartbroken and we fought a lot after which he suddenly stopped talking. After sometime he started talking again and said that he wants me back. He always makes plans to meet in hotels and spend nights with him. I started to grow distant, stopped taking his calls and tried to push him out. I also started to look out for matches, based on my age. I am 32, but nothing is materialising there. I started missing him and recently messaged him again. I lied to him that I am getting hitched and he said ‘okay let’s meet and spend a night together.’
I really don't know. I am amused that all he is really interested in is getting into my pants all the time. I am genuinely in love with him and he says it again now also he loves me. But his thoughts and words are not in sync. I am just not able to get over him. I have been trying hard since I decided to move on. Some thing or the other brings me back to him again and again. I am becoming more lonely, depressed all the more coz the marriage thing is also not picking up and I have no one.
Please help.

Ans:

Dear BG,
What does it tell you about a person when he chooses to hide the fact that he is a divorcee and that too with a reason like dowry?

Doesn’t this ring any bell for you as a sign to the fact that he possibly can never be trusted when he can’t come clean with his life story?

And now the complication of being physically involved has added a dimension that makes you want to be around him even more?

The very fact that you have written to me is because you are revaluating your thoughts about him and GOOD, you must and ask yourself:

Is he really worth my love, time and energy?

Has he done anything to earn my trust?

If it’s a big NO, you know that this guy isn’t the last man on the planet and that just because you are unable to find a suitable life partner, you need to settle for this man.

No, you don’t need to settle and pine for someone who has not bothered to take your feelings into considerations and not much of thought as to: if she finds out about my past, how will she react?

So let me be the one to tell her rather than she hear it from someone else.

Instead, he chooses to defend his decision of hiding this and to top it all stops talking to you.

Why exactly is he playing the victim when he isn’t? Because, he feels that it isn’t his problem and that it is yours and that you need to be making all the adjustments IF you want a future with him.

Did all this give you a good perspective?

Do the right thing and Love yourself. All the best.

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Relationship
Hi Anu, my story is quite big. I am 43 and I love a man of my caste who is 52. He is not married and my father had showed me his profile in 2006 for marriage. Those days I was not interested in marriage and so I rejected him. I saw his profile in March 2019 in matrimony and sent him interest and he gave me a reply. I fell in love with his profile in 2020 and further gave him reply on his mobile. I went to see him in Pune in 2020 October. Since then we have only been chatting on WhatsApp. When I asked for commitment in Feb 2021, he said his sister is not keeping well. Then he lost his father in August 2021. Earlier in 2020 he used to call me and we used to talk for hours. It all stopped in 2021 February when his sister fell sick. Now I stopped messaging him but he still keeps sending me some or other forwards. He says he wants to marry me (He said this Jan last year when I asked him if he is interested in marriage) but this year has been tough. I am really fed up of the delay. I still love him very much. He is very intelligent and professionally qualified and has good hobbies -- he is a Himalayan trekker and has sent me pics of his trek. He also encourages me to do many things but I am bored of the delay. Should I trust him and wait for him?
Ans:

Dear VG,

It looks likely that when you sent him your interest request, your feelings were from 2006. But hey, everyone has grown older and wiser since then.

Also, to expect him to have the same level of interest that you have, isn’t wise as he has led a different life to yours.

What happens is when we start our lives together when we are younger, we merge on a lot of ideals and thoughts.

When the same marriage/companionship/relationship happens when we are older, having had separate experiences and a different life, we might not have much in common in terms of thoughts and way of being in life.

Given that, have an honest chat with him face to face, and express what you want out of this connection.

Give him time to process his own life, his needs, his wants, his priorities and then get back to you.

If he is clearly not into this, no point waiting for him and tugging at your heart strings.

So the only way that I feel is to have a mature face to face talk where both of you have space to be assertive and communicate boldly. It will help both of you to decide what’s best.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

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Relationship
Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

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

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Relationship
Dear Anu, I'm studying BTech final year. My love and I were in a relationship since 5 years. Things were fine till our diploma. I got a seat in another college which was far from our place. At the same time, he moved to his hometown for house construction. There he met a girl. She is 34. He used to talk a lot to her and got attached to her. He tells everything to me. He even said that people were spreading wrong rumours about them. I told him to stay away till things got better. Since then he has stopped telling me much. There was a recent fight in his hometown relating to both of them which annoyed him. He continues to say there is nothing wrong between both of us. He used to love me a lot. Whenever I felt insecure or if there was any mood swings he used to make me calm and relaxed. Now-a-days he always tells me ‘Wait. Don't call me.’ If I call him more, he just scolds me. There are no sweet talks or setting time aside for a call, and all. He even says ‘I promised that I'll be with her at any time in any problem and now because everyone is spreading rumours I can't break my promise to her.’ What about me? Didn't you promise to make me happy? I feel betrayed.I got angry and told him that my parents are seeing matches for me. His reply shook me. He said: 'Go, get married.’ I was like ‘you aren't the same.’ I don't understand what to do or how to set things right.My mental health is getting worse.
Ans:

Dear S,

Your letter is very confusing to me.

I hope your post is genuine and not just to have fun…despite that I will consider it real and try to suggest what I can though I find your facts very contradictory.

Keeping the age factor aside, what I can say is: if someone does not treat you well, what’s the point waiting for that person?

If he isn’t interested in you, why are you chasing him?

Please make your world better by being around people who respect and value you and watch how beautiful it all becomes rather than searching and begging for love. He clearly isn’t into you anymore. So, move on…

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 2023

Asked by Anonymous - Sep 26, 2023Hindi
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Relationship
Hello My husband and I took mutual divorce before 1.5 years. this was my second marriage and I married him because he assured me that he will be a father for my toddler. after 7 years of adjustments in marriage (as he was not good as a, neither emotionally nor financially) father, he filed for divorce in just 20 days of our arguments. He raised his hand so I was upset and angry so I too signed the papers. Just after filling divorce that he started asking me to come back else he will get married. I denied to go back and he started seeing girls within a week of filling divorce. With the court procedure, he used to ask me to come back but I was heart broken bcoz he was seeing bride so I denied again. This was continued and our divorce granted. Now since six months again he started approaching me by saying that I only love you and so could not get married. for your kind information, he is very impatient and aggressive by nature. Due to his nature and behaviour I and my family decided to cut him off because it is creating stress only. but till today he is trying to contact me by one or other means. I am already very stressed and emotionally broken down because this happened to me second time. Some times I feel that I should give him one more chance but when looking to my kid, who is 12 now, I am giving up on this thought. and I am not sure whether he is doing this for feelings or just because he is not getting a woman of his choice to marry. My family members are saying that he has no feelings for me and my son but he is just calling me back for his adjustments. I don't know I should trust him or not.
Ans: Dear Anonymous,
What sort of a game is this? Like children fighting on one day and not speaking with one another and then making up the next day only to fight again...
Why so much of vacillation on your part? When you two separated, was it a conscious move or was it on an impulse?
Also, be very cautious as to why he is insistent on getting back with you?
Also, has he changed his ways and will he be more available to the family now? Wasn't this the reason that actually things went downhill for you?
Plus, he's looking at prospective brides...and you say that he is aggressive and impatient...

So, what is your confusion here?
What will you get by getting back with him?
What will you lose or not gain by not getting back with him?
Are you willing to make compromises to be with a person that you call aggressive?
How is this going to affect your child given that your ex-husband is not emotionally or financially stable?

Weigh it all out and then make a decision that is right by you and for you and for your child.

All the best!

..Read more

Ravi

Ravi Mittal  |181 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 04, 2023

Asked by Anonymous - Dec 03, 2023Hindi
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Relationship
Hi. I am 36 yrs old divorcee and the person whom I dating from past 4 years is recently divorced (when we started dating, his case was subjudice). From past 1.5 years, his behaviour is on and off. He took a break for 3 months, now also someday he talks and then disappear for days and I constantly supported him by giving him benefit of doubt as he was going through divorce (as I already had gone through that phase). But, even now he is not talking anything about commitment or our future. I am stuck with this. I even started seeing other guys too on matrimonial sites, but find that they too have a commitment phobia. Now, I am hopeless and don't get it what to do? please suggest.
Ans: Dear Anonymous,

I am so sorry that you are facing so many issues. I understand that it can be frustrating but rest assured it will get better. Coming to the issue you are facing with your partner, I suggest having a clear conversation about it with him. Tell him how you are feeling about his on-again-off-again attitude. Make it clear to him that you won't be waiting forever for him to commit. Do not just say it because you want to give him an ultimatum, rather mean it because you should not compromise your mental health and self-respect for anyone. If your partner still does not change his ways, it might do you good to reconsider the relationship and put down some ground rules.

About the guys you met- in today's dating scene, some people are hesitant about commitment, but it does not mean every single person has the same fear; for instance, take a look at yourself. You are ready to commit. There are many like you. To find like-minded men, try dating apps known for serious relationships. Write a clear bio about what you're looking for to attract the right match. Ask friends and family to set you up with people looking for a committed relationship to save time and energy.

Best Wishes!

..Read more

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Ramalingam

Ramalingam Kalirajan  |1321 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - May 03, 2024Hindi
Money
Iam 40yrs old with 1.6lakhs take home with house wife and 3 yr old baby girl. Below is my current financial condition: 1. Taken Home loan for 35 lakhs for apartment worth of 55lakhs in 2022 with emi requirement of 41k for 11yrs (iam paying monthly 45k and one extra 45k emi yearly) 2. Took Gold loan of 11lakhs in 2022(paying from mar2024 onwards monthly 35k) for apartment purpose 3. Holding 2440 sqft land costs 25lakhs in 2021 now it is 35lakhs planned for baby girl marriage 4. 5lakhs emergency fund in FD 5. 6 lakhs FD for SBI life smart wealthbuilder plan purpose for next 6yrly premium payment, 6. Equity 5lakhs invested now mkt value 8lakhs, 7. Mf 8lakhs now 11lakhs (monthly 20k for 10 different funds with 1k stepup yearly) 8. EPF 20lakhs not withdrawn from beginning for retirement plan 9. Ssy 1.2lakhs for baby girl education (monthly 6k) 10. Ppf 50k for baby girl education (monthly 3k) 11. Nps 4.9lakhs now 6lakhs (monthly 12k from company deduction and 50k annually from my side) 12. Holding agriculture land 1acre 7lakhs near hometown purchased in 2018 now it is same price no increase... Holding bcoz I like to have agriculture land... 13. Holding Gold coins 50gms purchasing when there is Amazon offers.. for baby girl ornaments purpose 14. Term insurance 1crore for me and 50lakhs for my wife purchased in 2022 15. Health insurance 20lakhs with premium 60k for 3yrs purchase in 2022... Monthly 1.6lakhs take home spending as below: 1. 45k home loan emi (annually 45k as one extra emi) 2. 30k mf sip ( 3k each for 10 funds - quant infra, quant smallcap, quant elss, 360 one focused, canara robeco smallcap, canara robeco emerging, mirae largecap, pgim flexicap, parag elss, ICICI prudential technology fund) 3. 35k gold loan prepayment 4. 35k home maintenance expenses 5. 10k ssy and ppf 6. 5k apartment maintenance 7. 45k LIc premium annual requirement 8. 40k term loan premium annual requirement taken 1crore for me and 50lakhs for my wife total to 40k premium 9. 30k annually for bike insurance, services and other maintenance 10. 1.3lakhs for baby girl school fees from this year 50% already paid 50% to be paid in oct 2024 11. 60k premium for health insurance once for 3 years purchased in 2022... I have few ask sir: 1. Want to buy 13 to 15Lakhs car.. when to buy with my financial condition and I have no down payment free cash now 2. Should I change my financial saving/investment please suggest as I am not having any free cashflow post the monthly commitment 3. Want to generate 2nd source of income suggest plz which is good to have it 4. Want to become financial freedom by next 10years so what I need to do for it and plan better. 5. Any changes in the current plan suggestion
Ans: It sounds like you're juggling a lot, but you've got a solid foundation laid out. It's admirable how you're balancing your responsibilities towards your family's present needs and future goals. Let's address your concerns and aspirations one by one.

1. Car Purchase Consideration:
You're eyeing a new car, a shiny symbol of comfort and convenience. However, before diving in, let's assess if it aligns with your current financial trajectory:

Timing and Need:
Do you have an immediate need for the car, or is it more of a desire?
Can you postpone the purchase until you've accumulated a down payment or have more breathing room in your budget?
2. Reviewing Savings and Investments:
Your portfolio is diverse, spanning various assets from real estate to mutual funds. Let's evaluate if each piece is still working optimally for you:

Portfolio Alignment:
Are all your investments aligned with your long-term goals and risk tolerance?
Can you streamline or consolidate any holdings to reduce costs or enhance performance?
3. Exploring Additional Income Streams:
You're eager to bolster your financial stability by exploring secondary income sources. Let's brainstorm some viable options:

Leveraging Skills and Passions:
What skills or hobbies do you possess that could be monetized?
Are there freelancing opportunities or consulting gigs in your field of expertise?
4. Planning for Financial Freedom:
Your aspiration to achieve financial independence within a decade is ambitious yet attainable. Let's outline a roadmap to realize this vision:

Defining Financial Freedom:
What does financial freedom mean to you personally?
Is it early retirement, pursuing passion projects, or having more flexibility in your lifestyle?
Strategic Steps:
How can you increase your savings rate to accelerate progress towards your goals?
Are there opportunities to optimize investments or explore alternative income streams?
5. Optimizing Current Financial Plan:
Let's explore potential adjustments to your existing financial strategy to enhance its effectiveness:

Reallocating Resources:
Can you reallocate funds towards higher-performing investments or areas with greater potential?
Are there opportunities to automate savings or investment contributions for greater consistency?
Conclusion:
Your commitment to securing your family's financial future is commendable. By carefully considering each aspect of your financial situation, from major purchases to investment strategies, you're laying a strong foundation for long-term success. Remember, financial planning is a journey, and with patience, diligence, and the guidance of a Certified Financial Planner, you're well-positioned to achieve the freedom and security you desire.

...Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Relationship
Hi ma’am My family is not accepting my boyfriend as he is not well settled and doesn’t have any savings. His parent are also divorced and father has a second marriage. The first children custody is still with parents however my boyfriend and his brother live with his mother. He is 5 year younger than me. My family is not accepting my relationship and showing me new proposals every day. To borrow some time i am just refusing the proposal my giving some excuses but now they know that i am still not out from him and waiting for him to get settled. Kindly let me know how can i convince my family to accept my relationship. My boyfriend is working day and night to get settled and have a good account balance. Please advise.
Ans: Dear Anonymous,
If your daughter came to you with the same situation, how would you advise her?
Would you not tell her your concern that she is actually choosing someone who may not be able to support her when she goes on maternity leave? Would you not tell her that coming from a broken family, she may have to take care of her boyfriend and possibly parent him on different occasions? Your parents are only concerned for you and are unable to tell you what they are worried about. Put yourself in their situation and tell me that you will not be worried.

At the same time, I do get your frustration. What you can do is to work on your parents' concerns and buy time till your boyfriend manages to settle down. And it seems like he is doing all that he can to be in their good books. And that's the only way you can get them to accept him. Wait patiently and don't put him under pressure. Instead be supportive and at the same time, you continue to work and be independent as well.

Never try to convince someone who does not want to be convinced but instead work on how they can accept him by addressing their concerns.

All the best!

...Read more

Ramalingam

Ramalingam Kalirajan  |1321 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

...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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