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Anu

Anu Krishna  |1503 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 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
SK Question by SK on Sep 28, 2022Hindi
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Relationship

Dear Anu Madam,
Please help me with your urgent advice. I am a 23-year-old good-looking girl from well-to-do Marwari family.
Since 2017 I am in relationship with a 37-year-old who I met in a gym. He is a small-time model.
Within 1 month of meeting, we got physical. However, in August 2021, to my dismay, I came to know that he has two wives and children and that he is in physical relationship with several other girls. This pained me a lot and we broke up. But somehow we got back.
He pleaded sorry for hiding his marriage and cheating with other girls but he said that the other girls had forced him for a physical relationship. He says he is unhappy in marriage and if I marry him, it will give him new way of life. I loved him and decided to get married (he can legally have more wives). But still I felt absurd on my decision because I will face severe parental resistance as he is from different religion and has less money. Yet I made up my mind on marriage and so, six months ago I revealed this to my closest cousin and introduced her to him. I followed up with her to guide me on right decision but my cousin kept buying time. About two weeks ago, while accidentally checking her mobile messages, I found that though I introduced my cousin to my BF to help me, she was cheating on me. From her messages I could see that she persuaded my BF to get physical with her. This shattered me completely and I fought with her. Madam, please advise me. I love this guy and want to marry him. He is my 1st and last love. I am sure he will be a changed guy after our marriage, which will make us both Happy.

Ans:

Dear SK,

So, you want to marry a man who cheats, hides his escapades, and disrespects you?

What kind of life do you think you are going to have with a man who has no respect for women and sleeps with women to gain his self-esteem?

Talking about how you can be a saviour, only makes you a victim, so that you are constantly under his control.

It’s possible that you haven’t been able to see his intentions and that you have reached out to me.

Listen, you have a beautiful life ahead, so not waste it on a man who thinks of nothing and only himself.

Your friend also was able to sell you out so easily only suggest that this man is some sort of a charmer and women easily fall into his trap.

Beware, kindly step up first and respect and honour yourself.

Learn to Love yourself else you will keep falling into the same trap of falling for such men who have nothing to do with women other than use them.

Step out NOW and no explanations required…You are not obligated to give him any.

He will behave like a victim and place you on a pedestal so that you go back to him, STAND your GROUND…Love is pure and this cannot be your first or last love….selfishness cannot be love.

There are more beautiful relationships waiting to embrace you only if you first move on from this toxic relationship, love yourself and use your strength appropriately.

You can do this…be an example for all those girls who choose to celebrate men who are toxic to them. Be a source of strength to all of them.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |538 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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Relationship
HI ma'am, i am 30 years old women. I hv never been in any relationship with anyone in my life. But from one year 4 months I'm talking with my cousins neighbor, we both became good friends.6 months ago we decided to get into relationship. We both are in a very good relationship, we are very very happy with each other. He is my home and I'm his home, But the most serious issue here is He is married and have 4 year old son. But they both are not living together from past 2.4 years because they both have issues with each other and with each others families. 8 months back he went to court asking his wife to come back to him because his lawyer suggested to not to send divorce notice directly in the beginning itself. But now she is not willing to come back to him, Her lawyer said that she want Alumnae. my bf is very good guy he loves his son ,he don't wanna give any money to his wife because he is feeling like giving money means accepting that he made some mistake, But he didn't made any mistake and we all know him very well. And also he love me so much. but now in mean time i got match, My parents got this match through my brother in law, they are forcing me to get married to the alliance guy, But I'm not at all interested. My BF divorce is still in pending. my parents are forcing me to marry a guy . i told to the alliance guy that i don't like him, But he is not telling it to anyone and forced me to get married to him. what should i do?
Ans: Since your boyfriend's divorce is still in the process and there are unresolved issues with his wife, it’s important to be realistic about the timeline and possible complications. Divorce proceedings can be lengthy, especially when financial matters and custody are involved. It may also be challenging for him to fully commit to a new relationship while he's handling these issues. This period can give you both the chance to think through your future together carefully and see if it aligns with your values and goals.

With the family pressure, it can help to calmly explain to them why you aren’t ready to move forward with the arranged match right now. If you feel comfortable, you might express that you need more time to consider what you want for your future. Remind them that their support in finding a fulfilling relationship is important to you, and rushing into a marriage when you’re not ready or interested may not lead to happiness for anyone involved.

This situation is about respecting your own feelings while also managing family expectations, which isn’t easy. Give yourself the time you need to weigh your options and avoid rushing into any commitments. It’s okay to put your own happiness and well-being first, and if you need more time to let things play out with your boyfriend’s divorce, be clear with yourself and your family about that. This decision is deeply personal, so whatever path you choose, make sure it aligns with your true feelings and future vision.

..Read more

Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Relationship
Hello ma'am...i am a girl of 21 yrs and my bf 24yrs.We met each other through an online friendly chat app.Since 1yr,we r chatting,video and voice calls.He told me,he loves me and wanna marry me.I too liked him and I took the matter to my parents and they agreed for our marriage also.I made him talk to my parents.He didn't still let this matter know to his parents.Recently,without my permission..my cousin sis took his insta id and chatted with him like an unknown girl for fun.She created an account in insta and sent a request to him n he accepted that request and continued chatting with her.She told him like she saw his profile and interested and so given a request.He was asking her for voice call,video call,but she didn't accept.She sent some other picture when he insisted her pic and later he asked her "do u like me" for which she funnily replied love at first sight and love you.He told her he want to express his love to her in voice call and later he too proposed..she showed all those screen shots to me. I am broken.I questioned him what is all this?...for which he replied...he just chatted to find out whether that account was a fake account or real account...but,the screen shots were showing something different..when my cousin called him bro..he was very upset and scolded her too. Now,he saying he thought it's a fake boy id and wanted to make fun of and even fought with me saying i don't trust him and without his acceptance..i gave his id to my cousin..but,i havent given.. He is saying he wanted to test whether it is a fake or a real account and so he made fun off and didn't mean it and that too just chatting it is n not to take it seriously and he loves me much.. I am confused after this whether to proceed for marriage..he isthe first guy and love in my life...should i believe him or let him go or should i give him one more chance?..please give u r advice..thank you
Ans: Dear Anonymous,
I am so sorry that you are in this situation. While I can't make a decision for you, I can help you by pointing out how this looks like from an outsider's perspective- your BF's interactions with this profile do not really support his claim of "just testing if it's a fake account." It seems like he was interested in chatting and continuing the flirty conversations. This does not mean he is in love with the person behind that online profile, but it surely looks like he can go behind your back for some thrill.

Trust and honesty are two very important things in a relationship, and if you are planning on getting married, this is not a good start. Moreover, his getting angry at you upon confrontation is a red flag- he tried to gaslight you.
It's your choice whether you want to leave or give him another chance but before you make a decision in haste, ask yourself-
1) If he loves you, would he flirt with someone or even chat with a stranger for entertainment?
2) Would you do the same to him?
3) Is he taking responsibility and asking for forgiveness?
4) Can you trust him completely after this or would you always keep wondering if he is cheating on you?
Once you answer these honestly, I think you will know what's the right thing to do.

One more thing- if you really are thinking of taking this ahead, please make sure to meet up in person before committing. Love can happen online but for your safety, meeting IRL is very important.

Hope this helps.

..Read more

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Ramalingam

Ramalingam Kalirajan  |7953 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 13, 2025

Asked by Anonymous - Feb 13, 2025Hindi
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Money
Why do Debt Funds offer lower returns as compared to Equity Mutual Funds?
Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Harsh

Harsh Bharwani  |75 Answers  |Ask -

Entrepreneurship Expert - Answered on Feb 13, 2025

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Career
Sir I am a Engineer by profession snd working in Qatar. Same time i had Cost accountant Degree and passed out way back at 2009. After that no touch with Cost Accounts. Now i am 48 yrs and after few yrs i want to move back to India. But that time if want open a cost accounting firm, what would be the best move i can do to open the consulting firm?
Ans: Hello Mr. Heman,
Reestablishing your career in cost accounting and setting up a consulting firm in India requires careful planning. Start by updating your knowledge through ICAI’s continuing education programs, industry seminars, and professional courses to stay current with evolving regulations and industry practices. Reactivating your ICAI membership and obtaining a Certificate of Practice (CoP) is essential to offer consulting services legally. While still in Qatar, gaining practical exposure by offering freelance or part-time cost auditing or GST advisory services to Indian firms will help establish credibility.

Next, choose a suitable business structure - Sole Proprietorship, LLP, or Private Limited Company - based on your growth plans and compliance preferences. Register your firm with the Ministry of Corporate Affairs and obtain the necessary licenses. Conduct thorough market research to identify your target clients, understand industry needs, and define your service offerings, such as cost audits, financial consulting, and management advisory. A well-structured business plan with clear financial projections will help ensure long-term sustainability.

Investing in technology and infrastructure is crucial. Setting up a professional office, adopting modern accounting software, and leveraging cloud-based financial solutions will enhance efficiency. Building a strong professional network is equally important - reconnect with former colleagues, join industry associations, attend networking events, and establish a digital presence through a website and social media to attract clients.

Lastly, focus on compliance and quality assurance. Adhering to ICAI regulations, tax laws, and ethical standards is critical for maintaining credibility and trust. By systematically following these steps, you can successfully transition back into cost accounting and establish a reputable consulting firm in India, ensuring a stable and rewarding career.

...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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