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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 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
E Question by E on Dec 27, 2022Hindi
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Relationship

Hi Anu,
I am a 16 year old teenage girl who just a couple of months ago realised that she was a bisexual. When I was in seventh grade I made a friend, let's call her A.
I started having feelings for her but just pushed them away because then I thought it was wrong to feel that way for the same sex.
I started crushing on guys too but in 10th grade I realised that I was actually in love with my best friend A.
I started accepting this and I have finally come to terms with who I am.
I haven't come out yet because my family doesn't support this. Coming to the point, towards the end of 10th grade I confessed to A and she told me that she saw me only as her best friend and did not feel the same way despite the fact that she was bi too.
I was broken. I started ignoring her completely.
When I saw her hugging her friends I felt jealous. I think I really love her but when I talked about this with our common friend she told me that it was just a phase and stuff but I know that it isn't. I really love her.
So recently A told me that she felt that something was up with me and that I was not behaving in the way I used to. I told her that I was fine but she thinks that I'll break this friendship of 4 and half years.
I assured her that I won't and she is fine now. But the thing is that in the future when she gets a bf or gf, I don’t know how will I face them, meet them and see her with them. I feel awful. I can't move on. I am not able to study well at all.
I have started daydreaming to just escape the truth that she doesn't love me the way I do.
My dreams are beautiful but this reality sucks. And this is affecting our relationship. I feel that I don't want to be just a friend anymore.
I also think that I don't matter to her a lot.
Recently she asked me out for a movie. I told her that I wasn't interested and that she and our common best friend could go and watch it. Since I didn't wish to come she decided to invite one of her friends whom I find extremely repulsive due to her closeness with A. Now they are all going together.
This is my birthday month, I feel like the surprises have just started.
I don't know what damage these surprises would have done to me by my birthday.
I really need your help. What am I supposed to do?

Ans:

Dear E,

Usual periods of confusions start just before puberty and goes on for a few years thereon. And it’s also normal to feel confused and question your sexual orientation.

I feel you can surprise yourself by accepting your confusions.

Rather than obsessing over what your friend will do or should do, can you instead focus on exploring your mind and clearing your confusions.

You can seek the help of an expert to help you figure out your sexual orientation which will help you channelise your energies more meaningfully.

So instead of jealousies and insecurities, try to move into confidence and happiness.

This gap can be filled by focusing on easing the confusions in the mind. So, the birthday month can be a gift to yourself rather in a very useful way.

At 16, turn your friends’ circle into something more as a powerful tool rather than weaken your resolve.

Utilise your strengths to better yourself and move towards clarity to create the best life as yet!

All the best!

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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
Hello mam! Let me get straight into my story... I have 3 best friends. We were very close.One of them, say A, was in a relationship with a girl named B. We kind of set it up in 2019 but soon he lost interest. But she was into him. She begged him but he didn't respect her feelings. This went on for a year then she slowly began to move on.Meanwhile, the girl and I got close. When he didn’t respond to her, she would cry to me and I pacified her. We became good friends but it escalated and we got into a relationship. I didn't discuss it with my friends. I informed them only after we became serious. It broke our friendship. I had asked my friend A many times about her and he’d said it’s all over so I never thought of discussing. I wasn’t aware that he was thinking about patching up with her. Now none of my close friends talk to me. Since most of my other friends are common to both of us, my entire school friends’ circle is lost. I feel very lonely. I know it’s my mistake. I shouldn't have done it. I never expected him to consider reuniting with her. Now I feel guilty for cheating my best friend. I feel like I abducted his girlfriend from him. What should I do now? Should I break up my relationship? I know this won’t change anything now. But at least after a few years I can hope my friends will accept me. At the same time, I am into her so much and so is she but I feel terribly guilty and miss my friends. I am totally confused.Would like to know your thoughts on my situation!!
Ans: Dear AP,

I don’t know how old you are, but it seems to me that you have broken some unwritten Bro Code.

But honestly, from your story all I can fathom is that you are choosing to feel guilty simply because your ‘close’ friends as you call them, ignore you.

Isn’t it immature of you to actually not be able to make a decision in life that involves you and your relationships, or do you need the blessings of your so-called friends for it?

As far as you are concerned, things were over between your friend and the girl.

So, did you need to take their permission to date her?

Also, what about your other friends? Did they not bother to even hear from you once and choose to see things your way and patch thing between you and your friend?

Instead, they decided to play the judge and pronounce you guilty for an act that doesn’t seem to need that verdict.

So, do you still want to swim in the sea of guilt and see your relationship with the girl wash away with time OR do you want to go surf that tide and take charge of your decision? Get the drift here?

Step Up; all the best!

..Read more

Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
Hello mam! Let me get straight into my story... I have 3 best friends. We were very close.One of them, say A, was in a relationship with a girl named B. We kind of set it up in 2019 but soon he lost interest. But she was into him. She begged him but he didn't respect her feelings. This went on for a year then she slowly began to move on.Meanwhile, the girl and I got close. When he didn’t respond to her, she would cry to me and I pacified her. We became good friends but it escalated and we got into a relationship. I didn't discuss it with my friends. I informed them only after we became serious. It broke our friendship. I had asked my friend A many times about her and he’d said it’s all over so I never thought of discussing. I wasn’t aware that he was thinking about patching up with her. Now none of my close friends talk to me. Since most of my other friends are common to both of us, my entire school friends’ circle is lost. I feel very lonely. I know it’s my mistake. I shouldn't have done it. I never expected him to consider reuniting with her. Now I feel guilty for cheating my best friend. I feel like I abducted his girlfriend from him. What should I do now? Should I break up my relationship? I know this won’t change anything now. But at least after a few years I can hope my friends will accept me. At the same time, I am into her so much and so is she but I feel terribly guilty and miss my friends. I am totally confused.Would like to know your thoughts on my situation!!
Ans: Dear AP,

I don’t know how old you are, but it seems to me that you have broken some unwritten Bro Code.

But honestly, from your story all I can fathom is that you are choosing to feel guilty simply because your ‘close’ friends as you call them, ignore you.

Isn’t it immature of you to actually not be able to make a decision in life that involves you and your relationships, or do you need the blessings of your so-called friends for it?

As far as you are concerned, things were over between your friend and the girl.

So, did you need to take their permission to date her?

Also, what about your other friends? Did they not bother to even hear from you once and choose to see things your way and patch thing between you and your friend?

Instead, they decided to play the judge and pronounce you guilty for an act that doesn’t seem to need that verdict.

So, do you still want to swim in the sea of guilt and see your relationship with the girl wash away with time OR do you want to go surf that tide and take charge of your decision? Get the drift here?

Step Up; all the best!

..Read more

Anu

Anu Krishna  |873 Answers  |Ask -

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

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Relationship
Don’t name me pleaseHello Anu ma'am, love your work.I am attracted to women and have never shared this with anyone else. I have fallen head over heels to my best friend for more than 5 years now. But I have never able to express. She always gave me a lot of hints that she likes me and I think she kinda knows that I like her. But a few days ago she revealed that her sexual orientation is straight. However she always acts/behaves with me like she is more than a friend. She says that I am more than a friend and also expresses how she wants to live her life with me, but never confesses that she likes me. Is she afraid?How do I deal with this? What should be the approach?Please respond Sincerely waiting for your reply!Thank you in advance, have a nice day.
Ans:

Dear AS,

Thank you for your kind words on the work that I do.

You might be correct in assessing your sexual orientation, but your friend is still confused about it.

Give her some time to get past the confusions else what might happen is that she will give in to your advances and since both of you share a great relationship, she might be inclined to believe that she is into women.

Allow her to figure out her sexual orientation and where she leans more into…Support her through her journey and when she finally decides, respect her decision whatever that maybe.

Yes, it’s highly possible that she is afraid given that society and the world doesn’t accept what’s called ‘not normal’ by their standards.

The judgement from families and friends and their non-acceptance is also something that she might not be willing to compromise on.

That is why, give her time to process all of this and then choose what’s best for her.

Till then, you can focus on yourself and living life every moment.

I don’t know how old you are but pay attention to your career or academics or whatever that will help you create a wonderful future and most importantly, be happy with what is.

All the best!

..Read more

Kanchan

Kanchan Rai  |189 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2023

Asked by Anonymous - Apr 14, 2023Hindi
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Relationship
Hi , I am Jose. I have a very complicated relationship issue. I loved a girl when I was about 18, she was from a financially better off family. This was a major reason that I hesitated to tell her about my love, instead remained a friend. She was better qualified too. I started working and wanted to be in a financially better situation before I confessed my love for her. In the meanwhile she got herself admitted in a college in the US, I decided to tell her, but was too late, she had already committed herself to her senior in college. We made a promise to each other that we will remain friends. We kept in touch through letters. Then I decided to get married as per the family wishes. Shortly she too got married to her boyfriend . We told our partners about each other. We continued to keep in touch thro email and phone calls once/twice in a year. We would meet once or twice every time she would visit from the US. We never had any physical relationship at the most it would be a peck on the cheek or just holding hands. We immersed ourselves in our personal / professional lives. We had 2 sons with our partners. Now the boys are in their 20's. In the meanwhile she found out her husband was having a relationship with some other woman, in the ensuing arguments it led to their divorce a couple of years back. Since 2021 I had 2 heart attacks, and survived. All these years I never had a happy life , we stayed together due to societal pressures and in the last 2 years we never had a physical relation too. She always had a hatred towards physical relationship. I hate forcing myself on her, so we have remained seperate in the last few years. After my 2nd attack, my friend helped me stop my smoking and somehow our chats on whatsapp or personal meets when she comes here have started becoming very mushy and with a lots of deeply loving words. I know I cannot divorce my wife as I would lose a lot of my immovable properties on which i depend for my rental income as I have actually gifted my wife a lot of my properties. Nowadays I am getting drawn towards my friend again and very strongly. Confused, and not knowing how to proceed. I am no longer working and depend on rentals for my earnings.
Ans: My dear friend,

It sounds like you're in a very complicated situation, and it's understandable that you feel confused and unsure about how to proceed. It's important to take some time to really think about what you want and what's best for you, as well as consider the impact of your actions on those around you.

First, it's important to acknowledge that your friend is currently in a vulnerable position after going through a divorce. While it's natural to feel drawn towards her, it's important to make sure that any actions you take are respectful and considerate of her feelings and needs.

At the same time, it's also important to consider your own needs and desires. You mentioned feeling unhappy in your current relationship and feeling drawn towards your friend again. It's important to really examine those feelings and think about what it is that you want in your life and your relationships.

However, it's also important to consider the potential consequences of your actions. You mentioned that you cannot divorce your wife without losing a significant amount of your income, and that you've already gifted her a lot of your properties. It's important to consider the financial and emotional impact that divorce could have on both you and your wife, as well as any children or other family members who may be affected.

One possible option could be to explore couples therapy or marriage counseling to see if there are ways to improve your current relationship and address the issues that have been causing unhappiness. It's also important to communicate openly and honestly with your friend about your feelings, but to do so in a way that is respectful and considerate of her feelings and needs as well.

Ultimately, the decision about how to proceed is up to you, but it's important to take the time to really think things through and consider all the potential consequences of your actions.

..Read more

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Asked by Anonymous - May 12, 2024Hindi
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A friend of mine is aged 47 yrs is a salaried income is 1 lakh p m at present, he is away from his hometown and living in a good city in india with his family,he was having a 2bhk flat whick he has purchased in his hometown, against which he took a loan from someone fir 14 lakhs to repay his debt since 10 yrs ago,still the outstanding is 14 lakhs, in 2024 he will get some funds 4 lakhs approx ,what he must do in this situation, should he take back the property by paying slowly all the 14 lakhs in coming years ,or he will just leave the property and with his own money look for taking a new property, the old flat is in 4th floor not having lift.He is scared about the present property cost and how will he be building a new house in his hometown..kindly advise
Ans: Navigating Property Ownership: Assessing Options for Financial Security
Your friend's situation presents a complex decision regarding property ownership and financial stability. Let's evaluate the available options and recommend a course of action that aligns with his long-term financial goals and current circumstances.

Understanding the Current Situation
Property Ownership: Your friend owns a 2BHK flat in his hometown, which he purchased 10 years ago with a loan of 14 lakhs. Despite regular repayments, the outstanding amount remains the same.

Financial Constraints: With a monthly income of 1 lakh and family responsibilities, managing additional financial burdens can be challenging, especially considering the stagnant loan amount and potential property maintenance costs.

Evaluating Options
Repaying the Loan: Your friend can consider gradually repaying the remaining loan amount of 14 lakhs from the funds he expects to receive in 2024. This approach allows him to regain full ownership of the property, eliminating debt obligations.

Selling or Abandoning the Property: Given the property's location on the 4th floor without a lift and the uncertainty surrounding its market value, your friend may contemplate selling or abandoning the property altogether. This option frees him from loan liabilities and potential maintenance expenses but necessitates finding alternative housing solutions.

Exploring New Property Investment: With the funds received in 2024, your friend could explore investing in a new property that better suits his current needs and preferences. However, the feasibility of this option depends on various factors such as property costs, location, and financial constraints.

Considerations for Decision-Making
Financial Stability: Prioritize your friend's financial stability and ability to manage debt obligations and future expenses effectively.

Long-Term Goals: Consider your friend's long-term goals, including retirement planning, family needs, and property ownership preferences, when making decisions about property ownership.

Market Analysis: Assess the current real estate market trends in your friend's hometown to gauge the potential returns on investment and property appreciation prospects.

Seeking Professional Guidance
Encourage your friend to consult with a financial advisor or real estate expert to assess his options comprehensively and make informed decisions aligned with his financial objectives and circumstances.

Conclusion
Your friend's decision regarding the 2BHK flat ownership requires careful consideration of various factors, including financial stability, long-term goals, and market dynamics. By weighing the available options and seeking professional guidance, he can navigate this situation effectively and secure his financial future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2424 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 13, 2024Hindi
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Hi, I am currently 24 years old am earning around 11lpa I am investing around 60k each month (5k sip) rest lumpsum. What should be my investing strategy to get corpus of 10cr, I want to retire within 50 years. I already hv invest around 8.1l
Ans: Crafting Your Path to a 10 Crore Corpus: A Long-Term Investment Strategy
Your proactive approach towards investing at a young age and setting ambitious financial goals demonstrates foresight and determination. Let's outline a comprehensive investment strategy tailored to your objective of accumulating a 10 crore corpus by retirement within 50 years.

Current Financial Landscape
Young Age Advantage: Starting your investment journey at 24 provides a significant advantage due to the power of compounding over an extended period.

Steady Income and Investments: Earning 11 lakhs per annum and allocating 60k monthly towards investments, including SIPs and lump sum contributions, reflects disciplined financial planning.

Long-Term Investment Strategy
Equity-Centric Approach: Given your long investment horizon and goal of wealth accumulation, adopting an equity-centric approach is prudent. Equity investments offer higher growth potential over the long term, albeit with higher volatility.

SIPs for Regular Investing: Continue with your SIPs, as they foster disciplined investing and provide the benefit of rupee cost averaging. Allocate a significant portion of your monthly investments towards equity SIPs to capitalize on market opportunities and mitigate risk.

Lump Sum Investments for Portfolio Boost: Utilize lump sum investments to bolster your portfolio and seize attractive investment opportunities. Consider diversified equity mutual funds or blue-chip stocks with strong growth potential and track record.

Diversification Across Asset Classes: While equity forms the cornerstone of your investment strategy, consider diversifying across other asset classes such as debt, real estate investment trusts (REITs), or gold to mitigate risk and enhance overall portfolio stability.

Monitoring and Adjustments
Regular Portfolio Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Make adjustments as necessary to capitalize on emerging opportunities or rebalance your portfolio.

Stay Informed and Educated: Keep abreast of economic developments, market trends, and investment strategies to make informed decisions. Continuous learning and staying informed are essential pillars of successful long-term investing.

Conclusion
With a disciplined investment approach, focus on equity investments, and commitment to long-term financial planning, you can work towards achieving your goal of accumulating a 10 crore corpus by retirement within 50 years. Stay disciplined, stay focused, and trust in the power of compounding to realize your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2424 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 13, 2024Hindi
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Money
I have a current corpus of 2.25 cr. I am 46 yo working having my own business. My yearly SIP is 40 lacs. I have no loan. I want to retire at the age of 65 years. How much corpus will i'll be able to achieve with same SIP taking inflation and 10 to 12% return ?
Ans: Estimating Future Corpus: Projecting Retirement Savings Growth
Your proactive approach towards retirement planning, coupled with a substantial current corpus and significant yearly SIP contributions, sets a strong foundation for achieving your retirement goals. Let's project the potential corpus you could accumulate by the age of 65, considering inflation and expected returns.

Current Financial Situation
Substantial Current Corpus: Your existing corpus of 2.25 crores provides a solid base for wealth accumulation, demonstrating prudent financial management and planning.

Significant Yearly SIP: A yearly SIP of 40 lakhs reflects your commitment to long-term wealth creation and retirement preparedness.

Projecting Future Corpus
Inflation Consideration: Accounting for inflation is essential to ensure your retirement corpus maintains its purchasing power over time. Assuming an average inflation rate of 6-7% annually is prudent.

Expected Returns: With a diversified investment portfolio and an investment horizon of 19 years until retirement, aiming for an average annual return of 10-12% is reasonable, considering historical market performance.

Compounding Effect: The power of compounding amplifies the growth potential of your investments over time, especially with consistent SIP contributions and favorable market conditions.

Estimating Future Corpus
Using a retirement calculator or financial projection tool, we can estimate the potential corpus you could accumulate by the age of 65 based on your current SIP contributions, expected returns, and inflation rate.

Conclusion
By diligently contributing to your SIPs and leveraging the power of compounding, you have the potential to achieve a substantial retirement corpus by the age of 65. Regularly reviewing your investment strategy, adjusting for changing market conditions, and staying disciplined in your savings habits will further enhance your financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...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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