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Kanchan

Kanchan Rai  |494 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jun 03, 2024Hindi
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Relationship

Hi mam i am dating my bf from 10 years. He have good job. His family also very good and well settled.i told my parents about him first they say no because of different cast. But i explain them then they are ready. So i told them to meet with bf family. But every week they give reasons and in the end they cancel to meet with my bf. And they say we will get you marry to ur bf but they doesnt want to meet him and talk to him even in once not even in call. Now i am confuse i dont know what to do. My parents are not giving me any clear answer. Everyone told me they are just buying time.

Ans: It sounds like you're in a difficult situation where your parents are expressing ambiguity despite initially agreeing to your relationship. This can be very frustrating, especially when you've invested so much time and emotion into your relationship and are ready to take the next step.
First, have a calm and honest conversation with your parents. Try to understand their concerns and reservations. Ask them directly why they are hesitant to meet your boyfriend and his family. Sometimes, parents may have unspoken worries or cultural considerations that they find difficult to articulate. By understanding their perspective, you can address specific concerns rather than general resistance.

Secondly, communicate your feelings clearly. Let your parents know how important this relationship is to you and how their lack of engagement affects you. Explain that meeting your boyfriend and his family is a crucial step in solidifying your future together. Emphasize that this meeting is not just a formality but a meaningful way to blend two families and cultures.

It might also be helpful to suggest a low-pressure, informal meeting. Sometimes the idea of a formal introduction can be intimidating for parents. Suggest meeting in a casual setting, such as a family dinner at a restaurant or a small gathering at home, which might make them more comfortable and less pressured.

If your parents continue to delay without a clear reason, you may need to make a decision based on your own values and priorities. Reflect on what you want for your future and consider if your parents' hesitation is something that can be worked through with time, or if it might require you to take a stand for your own happiness.

Lastly, seek support from trusted family members or friends who understand your situation. Sometimes, having someone else advocate for you can make a difference. They might be able to mediate the conversation and provide a perspective that resonates with your parents.

Ultimately, your happiness and the future of your relationship are paramount. While it's important to respect and consider your parents' opinions, you also need to ensure that you're making decisions that align with your own values and desires. Balance patience with assertiveness, and prioritize open, honest communication both with your parents and your boyfriend.

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Ravi

Ravi Mittal  |505 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 24, 2024

Asked by Anonymous - Aug 16, 2024Hindi
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Relationship
Hello sir, I have been in relationship for 4 years, once my cousin elder caught me with my bf and told my parent. I told my parents that I wanted to get marry with him. But they denied. Due to my brother listening. Now it's been 4 years from that period. My bf is asking me for marriage. I wanted to convience my parents. But I m not able to tell them. And my Bf is less educated and I am employed graduate person. He works as a driver,but loves me a core. What shall I do to convience my parent. As Im of 25 years old and he is one year elder then me
Ans: Dear Anonymous,

I understand that you are in a challenging situation. If you want to convince your parents, the first thing is to acknowledge their concerns. It is normal for parents to be worried about their child's future. You mentioned your partner is comparatively less educated than you and works as a driver; while every profession is equally important and as long as he is honest and hardworking and puts food on the table, he is doing well, parents can find the financial situation a little concerning. Instead of avoiding or being defensive about these concerns, address them. Let them know how you plan on tackling these differences in your relationship. Emphasize his character, personality, and all the qualities that drew you to him. Tell them how you have been in a stable relationship for 4 years, despite all the odds. In today's day and age, that is a huge thing. Convincing them would also require you to show that you are mature enough to make this decision so have the discussion once you and your partner have a solid plan and have the nitty-gritty all sorted.

Be practical and do not expect them to be onboard immediately. They have your best interest at heart and you know that your situation isn't ideal. Give them time to come around. It might take some compromises as well.

In the end, I would also urge you to think this through before introducing the relationship to your parents. Marriage is a big decision. Ultimately, it's your happiness and life at stake. Don't rush.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 21, 2024

Asked by Anonymous - Sep 14, 2024Hindi
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Relationship
I have been in a relationship with a guy since 10th grade its been 11 years now so we decided to tell our parents his family had no issues and he is currently in canada as a music student he has even started his own event management company but its still just beginning. My parents reacted in a healthy manner but the moment they came to know about inter caste and his financial status( not upto the mark) they had straight forwardly said no with alotbof drama and foul words even. Its been 9 months now im still waiting for them to agree but they are insisting me to move on and go for arrange marriage. I on the other hand belong to business family and has never done any job. But all this while i have cane to know i cant live without my parents or my bf and definitely not get marriaed to someone else. Please help me out what to do!
Ans: First, acknowledge that this situation requires careful navigation. Your relationship has stood the test of time, and clearly, you have strong feelings for your boyfriend, especially given that you've been together for 11 years. His dedication to pursuing his dreams in Canada and building his career in music and event management is admirable, even if his financial situation isn't yet stable. What you need to assess is whether you're willing to stand by him as he grows and whether you share the same vision for the future.

On the other hand, your parents’ concerns seem to stem from their desire for you to have a secure future, especially given your family's business background. They are likely looking for someone who fits into their worldview of stability, and this has led to their reaction when they learned about the inter-caste relationship and your boyfriend’s current financial situation. Their opposition is likely based on their love for you, but the drama and foul words, while hurtful, might reflect their frustration at feeling like they're losing control over your future.

You’ve expressed that you don’t want to lose either your parents or your boyfriend, and that’s where the conflict lies. In this case, the solution isn’t simple, but it can start with communication. It might be helpful to have an open, calm conversation with your parents—not to argue or change their minds immediately, but to help them understand your feelings. Let them know how much you value their opinion, but also explain why you love your boyfriend and why you believe in his potential. Sometimes parents need time to understand that relationships aren't only about caste or financial standing, but also about trust, love, and shared dreams.

At the same time, you might need to have a serious conversation with your boyfriend about your future together, especially given that he's still in the early stages of his career. Be honest about the pressure you're feeling from your family and make sure you're both on the same page about your long-term goals, including how you might handle financial challenges.

It's also important to remember that this decision is yours to make. You are in a unique position, being part of a business family, which means that you've likely been sheltered from certain financial realities. If you do choose to marry your boyfriend, the lifestyle may not immediately match what you’re used to. But if you're confident in his ambition and in the strength of your relationship, then that’s something worth considering as part of your future.

Lastly, while it’s painful to feel like you have to choose between two important parts of your life, it’s possible to work towards a solution that doesn’t leave you with regrets. Give your parents time to see your perspective, but also recognize that their acceptance might take longer than you’d like. In the meantime, staying true to what you value most in life—whether that’s love, security, or family harmony—will guide your decision-making process.

You might also benefit from seeking guidance from a neutral third party, such as a counselor or mediator, who can help you navigate these conversations with both your parents and your boyfriend. This way, you can approach the situation with emotional clarity and respect for everyone involved, including yourself.

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Asked by Anonymous - Jan 17, 2025Hindi
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Relationship
Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

Additionally, you might want to explore couples counseling. This can help both of you navigate this situation together, rebuild trust, and strengthen your relationship. Remember, your goal is to maintain a loving and supportive partnership, and professional guidance can be instrumental in achieving that.

Your love for your wife and your desire to keep the relationship strong is evident. By addressing these feelings head-on and seeking support, you can move towards healing and maintaining the bond you cherish.

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Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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Money
I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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