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Shalini

Shalini Singh  |61 Answers  |Ask -

Dating Coach - Answered on Apr 11, 2023

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Ritu Question by Ritu on Apr 10, 2023Hindi
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Relationship

We broke up in January. In Feb he let me know that he wants some space and time to get healed. When I stop respond his calls in March he asked for a discussion over the issues we had. In those days I was a bit busy with official works so couldn’t meet for discussion. Then he was angry that I am not showing interest in discussion. Then we meet to talk but he become angry recalling the fight at the time of our break up. I want to reconcile the relationship. At some point from his messages I think he want but sometime I think he doesn’t. How should I proceed.

Ans: if the relationship is important to you - then both need to give it priority for now - which means focus on the relationship - even if it requires to take off from work. Do keep in mind, to keep your cool, atleast one has to be calm... Do also be prepared for angst too - having said this, if you decide to get back - then it is important that you will need to forget and forgive and look forward to building your life again. ps: just know you are not unique - 90% of best relationships face challenges as you are facing and overcome them because they wish to. All the best.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Relationship
Hi I am 23 years old and had a first relationship with 4 years younger boy. Everything between us was picture perfect. He was everything I ever dreamt of, but after 1 year our relationship turned toxic.He's acting like he wasn’t aware that ups and downs come but we should stick to each other. He asked to break up twice and we again came together but now it’s been months we aren’t together anymore. I’m emotionally attached to him but tired of bearing this pain and constantly fearing he will leave me when conditions aren’t favourable. But after break up he still wants to be friends. I even agreed that. Even in friendship he's talking and roaming as per only his convenience. Guide me how to come out of pain as I’m pursuing one of the renowned career course and also this also is affecting my mental health.
Ans:

Dear D,

Emotional maturity is what is in question here. He still is at an age where commitment is not something he is aware of.

It’s like try this relationship, if it doesn’t work, try another one and so on….

Give him time to settle his emotions till he is ready for a committed relationship; which does not mean, you wait around for ever.

Now that you are ‘friends’ or not, please surround yourself with people your age and if an interesting person comes along, see where that goes.

As far as being attached to him goes, do you really want to continue to inflict pain on yourself by basing your entire emotional world with him?

The world is huge and so are your sights…. Focus on yourself and what you love and be in that space to find yourself again.

Be kind to yourself, all the best! 

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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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.

..Read more

Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

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Relationship
Hello Love Guru. I want to ask about my ex. We had relationship for past two years but kind of on and off. During initial stages we both acted immaturely and broke up but still one of us patch up. Last time, last year in September, my ex broke up saying he doesn't like my personality and our relationship is unmotivating. Even the previous breakup was by him saying he needs time and space. Although he had introduced me to his sister and friends, I think he is just been in relationship for TP. When he broke up last time, he got promoted at work maybe that’s why. Currently he said he has quit his job IDK reason and suddenly he realised he took wrong decisions. I was sure I don't want to give any more chance. So I told him that introduce me to your parents as your GF, not for marriage now. He said he will try but not sure. I have decided he is free and hence he wants relationship so not moving forward with him. Please tell me what you think. Although, after our patch-up, I do see small efforts from his side but I was always one who was on giving end.
Ans:

Your mail is quite confusing in the sense that I don’t know whether you’re currently with him or not; you refer to him as your ex and then say that after your patch-up you’re seeing that he’s making an effort.

Anyway, whether you’re on or off at present, this guy seems rather whimsical. And yes, I think your instinct is right in that he’s at loose ends right now without a job, etc, and wants some emotional support maybe, which is why he wants to get back with you.

I’m not saying don’t give him a chance; you can, if you think he’s genuinely realised that he wants to be with you. But, yes, he should make it official.

And if I were you, I’d be sure of things before getting too involved too fast this time around.

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

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

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Relationship
Ma'am, I'm in a relationship for three years now. Everything was normal in the beginning. But the past year has been extremely tumultuous for us as I've been expressing unnecessary anger towards my significant other.I never used to yell at him or push him to the point where he'd get annoyed of me and stops talking to me. While I'm the kind of person who likes to talk things out after a few hours of the argument but he's the opposite. He takes his own sweet time which is not wrong. I realise I treat him differently from my friends as I know subconsciously he won't break up with me. The last fight we had over something trivial made me feel like I pulled the last straw and I'm very guilty about it. Even I've started to realise now that somewhere along the way I took him for granted and kept hurting him as he gave me a lot of chances to improve. He is a very sweet person but I feel like I've turned him into an egoistic monster who doesn't want to see or talk to me anymore. I don't know how to save this relationship. I don't know if I should kill my hopes of continuing this relationship. We haven't spoken to each other for more than 2 weeks now and I am using this time to change myself and learn to control my anger and to speak with everyone with respect and understand them better. I want to tell him that I'm genuinely improving this time but he doesn't seem interested in listening to me as I've misused the prior chances so obviously he feels like he's being deceived this time to. So I made my mind to speak to him after a month until I feel like I've changed at least a little so I'm worthy of his love. Also I don't let my short temper and rudeness affect our relationship. But I'm afraid he might hate me even more for not trying to talk to him. I'm confused wondering if he'll move on and not realise in trying to change. What should I do?AM
Ans:

Dear AM,

Oh my dear, why are you being so unkind to yourself? It takes two to tango!

Maybe, you realize that you have been taking him for granted, but hey, there’s an expiry date to punishing yourself over it.

Once you know, it’s time to work on your relationship and that certainly doesn’t mean being harsh.

This could also lead you to feel victimised and not be a very favourable mindset. Instead, what if you get to the root of the challenge at hand?

Here’s a few reality check questions. It might give you a chance to go back to the drawing board and reevaluate your relationship with a fresh pair of eyes.

What is causing me to have that temper?

What usually triggers the arguments?

What did I see in my partner when I chose him to be my significant half?

Do I still see the same in him even now or has it changed? If yes, what has changed? Am I willing to adapt to the change?

What causes me to be afraid of him moving on? Am I in a co-dependent relationship?

What will happen to me if he moves on?

Why is important for me to put so much energy into changing myself? Is it for myself or to keep him from moving on?

You get the drift?

You can add to these questions and give your mind an alternate way of processing things into a solution space.

Having said this; it’s time to give yourself some love too, no matter what, prioritize yourself and create some mind space to reevaluate where you are to where you want to be.

Happy 2022 and best wishes!

..Read more

Latest Questions
Ravi

Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Relationship
Hello sir , i am 21 year old graduated ,How to make gf ?? As in college everytime i talk to girl she make me friend as i get into friendzoned...
Ans: Dear Anonymous,

If you are finding it difficult to meet girls IRL, why don't you try out dating apps? It can be perfect for you. First of all, the chances of getting friend-zoned on a dating app are comparatively lower because it is a dating app and most users are using it to find a date. Yes, some people look for friends too but they will either mention it on their Bio or match with people who mentioned the same on their Bio.

I suggest you research a bit and find a dating app that fits your requirements. For instance, some apps cater to people looking for serious commitment and some others are solely for casual relationships. You pick a dating app based on your preference. Next step- build an interesting profile. Put a display image that helps you put your best foot forward. Something recent, clear, and impressive. Do not overedit; it's not appealing. Write a clear and concise bio that gives a glimpse of who you are, what you want in a relationship, and what you can offer. This way, you will attract the right type of matches. Make it clear that you want a romantic relationship to avoid getting friend-zoned. Finally, once you match, spend some time chatting and getting to know each other. A match is not a commitment. If it doesn't go well, you can always tell them that it's not working out and unmatch.

It's the best way to meet a potential partner without leaving room for misunderstanding and ending up being friend-zoned.

Best Wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

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

Asked by Anonymous - May 03, 2024Hindi
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Money
I am 41 year old. I have 1 cr in mutual fund. It’s been 7 years I started doing sip with 50000. Which I have increased With time now I have sip of 80000 per month. I need to know how much will have when I reach age 50. In my account
Ans: As you stand at the midpoint of your journey, it's natural to pause and ponder the fruits of your labor. Seven years ago, you embarked on a path of financial discipline, nurturing your wealth through systematic investments in mutual funds. With each passing month, you've diligently contributed to your SIP, nurturing your financial garden with care and foresight.

Magnitude of Investment:
Your commitment to growth shines through as you reflect on your journey. Starting with a SIP of Rs 50,000 per month and gradually increasing it to Rs 80,000 per month showcases your dedication to nurturing your financial future. Each increment, no matter how small, represents a step towards building a solid foundation for your later years.

The Power of Compound Interest:
As the years pass, the magic of compound interest works silently in the background, multiplying your investments manifold. With each SIP, you're not just investing money; you're investing in your dreams, your aspirations, and your future. The power of compounding rewards patience and consistency, amplifying the impact of your contributions over time.

Envisioning the Future:
As you cast your gaze towards the horizon, you can't help but wonder: what lies ahead? At age 50, where will your financial journey have led you? Will you find yourself basking in the glow of a well-nurtured nest egg, ready to embark on new adventures and pursue passions long deferred?

The Path Forward:
As a Certified Financial Planner, I invite you to envision your future with clarity and purpose. While I cannot predict the exact value of your investments at age 50 without specific calculations, I can offer guidance on how to nurture and safeguard your wealth as you continue along your journey.

Embracing Uncertainty:
Life is a tapestry woven with threads of uncertainty and possibility. While we cannot control every twist and turn along the way, we can arm ourselves with the tools and knowledge needed to navigate the unknown with confidence. As you journey towards age 50, remember that the true measure of wealth lies not just in monetary value but in the richness of experiences and the depth of relationships.

Conclusion:
As you stand at the crossroads of past and future, take a moment to appreciate how far you've come. Your journey is a testament to your resilience, your determination, and your unwavering commitment to financial well-being. As you continue along your path, may you find solace in the journey itself, knowing that every step forward brings you closer to the life you envision for yourself and your loved ones.

...Read more

Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

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

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Money
Hi I am 37 years old and my Husband is 40 years old. Our annual salary in hand at our home is up to 20,64,000. My Yearly Saving is Rs 6 lakhs (mutual fund, LIC policy, Endowment plan, century plan, Post office schemes). My Expense like medical insurance, term insurance, car insurance is RS 50,000. My living expense per year is Rs 6,00,000. My loan is for Rs17,24,112 (including interests) for which I am paying every year up to Rs 4,31,000 till Feb'28. Also next year we have to purchase car because our car is getting expire. So up- to 14-15 lakh car we will purchase on loan. My child is currently in 6th grade and we both are working. So for happy life after retirement and save future, how much I need to save and in which plans. Please suggest. Till now beyond my savings written above I don't have bank balance which I can use as a emergency funds.
Ans: Navigating the complex landscape of finances, especially with looming expenses and future uncertainties, can feel like trying to solve a puzzle without all the pieces. It's a challenge many of us face, and it's understandable to seek guidance on charting a path towards financial security and peace of mind.

1. Current Financial Snapshot:
You and your husband are in your late 30s and early 40s, respectively, with a combined annual income of Rs 20,64,000. Here's a breakdown of your financial standing:

Income and Savings:
Annual savings of Rs 6 lakhs allocated towards various financial instruments such as mutual funds, insurance policies, and savings schemes.

Annual expenses totaling Rs 50,000 for essential insurances (medical, term, car) and Rs 6,00,000 for day-to-day living expenses.
Loan Obligations:

Existing loan of Rs 17,24,112, including interests, being paid annually up to Rs 4,31,000 until Feb'28.
Planning to purchase a new car next year, expected cost up to Rs 14-15 lakhs, which will likely require additional financing.

2. Planning for Retirement and Future Security:
With retirement on the horizon and the desire to secure your future, it's essential to map out a robust savings strategy:

Retirement Goals:
Discuss and define your retirement aspirations with your husband, envisioning your desired lifestyle and financial needs during retirement.

Savings Strategy:
Determine an ideal savings rate that balances current expenses with long-term goals, including retirement, your child's education, and potential healthcare costs.

Investment Mix:
Explore a diversified portfolio comprising mutual funds, insurance policies, and government-backed savings schemes, tailored to your risk tolerance and time horizon.

3. Addressing the Car Purchase:
The decision to replace your expiring car involves careful consideration, especially given your existing financial commitments:

Financial Implications:
Evaluate all options for financing the new car, considering potential down payments and minimizing loan burden to maintain financial flexibility.

Alternative Solutions:
Explore alternative transportation options or delaying the purchase until you've built more financial reserves to lessen the impact on your budget.

4. Building an Emergency Fund:
Establishing an emergency fund is crucial for weathering unexpected financial challenges:

Setting Savings Goals:
Determine specific savings goals for your emergency fund, considering factors like living expenses, loan obligations, and potential emergencies.

Automating Contributions:
Consider automating contributions to your emergency fund to make saving more manageable and ensure consistent progress towards your goal.

Conclusion:
While navigating the complexities of financial planning can be daunting, remember that you're not alone on this journey. By carefully managing your income, expenses, and savings, and seeking guidance from a Certified Financial Planner, you're taking proactive steps towards securing your future and achieving your long-term goals. Keep focusing on your priorities, stay adaptable to change, and trust in the process as you work towards financial freedom and peace of mind.

...Read more

Ramalingam

Ramalingam Kalirajan  |1323 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

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