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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2023

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Asked by Anonymous - Apr 13, 2023Hindi
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Relationship

My daughter 30 is in a unhealthy relationship. Her lover dont want to marry her. He is an irresponsible guy who traumatizes my daughter. But my daughter is not leaving him also. How can i change her mind. Stages of advice is over.

Ans: Well it’s a relief that he doesn’t want to marry her if he’s such a no-good character. Unfortunately, this is one of those situations where you can take a horse to the water, but you can’t make it drink. She’s deeply in love with him and getting herself used to the trauma he’s putting her through. Advise her to visit a therapist of her choosing (if you choose, she’ll think there’s bias) and discuss her experiences there. Maybe a professional will be better able to help her see things clearly for what they are. To her, you’re the parent who doesn’t like her partner. And no matter how much you say it, she won’t end things. In the end, it has to be her decision.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

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Relationship
Dear Madam I am a mother of 24 year daughter. She studied in a reputed school with convent background till class XII. After that she went to Bangalore to study Mass comm but came back to her home town. Here again she got admitted to a new college but due to influence of drugs she could not continue. However she is out of that now. In 2020 she fell for a guy who is two years older and started living with him separately without our consent .She was working with a tier 1 IT company then and later she was asked to leave due to attentdance. After that she joined many company but could not continue. Though the guy work sometimes but the main point is he beats her up. Many times she came out but again she goes back saying she cant leave him. She has 5 dogs. Recently also something happened and her friends from canada called me . We asked her to come back but then later she backed out. We are afraid that we might lose her. We are just clueless what to do. How to convince her as she never listened to us. She is our only daughter and me and my husband are working parents.
Ans: Dear Nibedita,



I'm sorry to hear about the situation you're facing with your daughter. It's understandable to feel helpless and unsure about what to do next.

First and foremost, it's important to remember that your daughter is an adult, and ultimately, it's her decision on what choices she makes. However, as her parents, you can still offer support and guidance to help her make the best decisions for her well-being.

It's concerning to hear that your daughter is in an abusive relationship, and it's crucial to ensure that she understands the gravity of the situation. One option is to speak with a professional, such as a therapist or counselor, who can provide insight on how to approach the topic and offer guidance on how to support her.

Additionally, it may be helpful to reach out to organizations that specialize in supporting victims of domestic abuse. They can provide resources and advice on how to deal with the situation and can even offer assistance in finding a safe place for your daughter and her pets.

It's important to maintain open communication with your daughter and let her know that you're there for her, no matter what. Try to avoid blaming or shaming her for her choices, as this can further isolate her from seeking help. Instead, express your concern and offer to assist her in finding a solution that works for her.

Ultimately, it's essential to prioritize your daughter's safety and well-being, even if it means taking difficult steps such as seeking legal action or involving authorities.

..Read more

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Milind

Milind Vadjikar  |1171 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Money
Considering the current market conditions, I'm trying to decide whether it's wiser to invest in real estate or to continue investing in mutual funds. I already have some experience with mutual funds and have seen moderate returns, but I'm also attracted to the idea of owning a tangible asset like property, which could offer appreciation and rental income. I want to understand which option real estate or mutual funds is likely to offer better returns over the next 5 to 10 years, especially given the current economic environment, interest rates, inflation trends, and market volatility. How do factors like liquidity, maintenance, taxes, and risk compare between the two? Should I shift some of my investments into real estate for diversification, or is it more prudent to stay invested in mutual funds and possibly increase SIP contributions? I'm looking for a long-term strategy that helps with both capital growth and financial security.
Ans: Hello;

It is difficult to give an advice without knowing specifics of the case.

I would ideally recommend to include both in your portfolio but if it has to be a choice between the two, I would recommend real estate, as a general advice.

Liquidity, Maintenance, property tax are hassles and costs in real estate but asset price and monthly rentals are generally flat or headed northwards over time unless it is some odd case.

MFs holdings are highly liquid, No maintenance charges and efficient tax treatment. But it is subject to market vagaries.

Consult an investment advisor or a certified financial planner to seek more clarity and firm up your decision.

Best wishes;

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Career
i got 86.02 percentile in jee mains, i am under SC category from WEST BENGAL. can i get NIT DURGAPUR CSE BRANCH or any other branch
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
Listen
Career
What are the chances to get admission for my son in NIT Trichy or Surathkal or Warangal if he gets around 149 marks in the Apr session of JEE mains 2025. We are from general category & would like to pursue for either Data Science or Electronics of Chemical Engineering. If not these institutes what are the chances for other govt institutes.
Ans: Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Son's Admission Chances Using JoSAA Data
Step 1: Collect His Key Details
Before starting, note down the following details:

His JEE Main percentile
His category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
His Preferred institute types (NIT, IIIT, GFTI)
His Preferred locations (or if he is open to any location in India)
List of at least his 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select His Preferred Academic Program (Branch)
Enter the branches he is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Listen
Career
My son got 94.56 percentage in jee mains in OBC category.he passed 12th delhi school.his residency in gurugram haryana.which college he can gwt
Ans: Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Son's Admission Chances Using JoSAA Data
Step 1: Collect His Key Details
Before starting, note down the following details:

His JEE Main percentile
His category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
His Preferred institute types (NIT, IIIT, GFTI)
His Preferred locations (or if he is open to any location in India)
List of at least his 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select His Preferred Academic Program (Branch)
Enter the branches he is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Milind

Milind Vadjikar  |1171 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 13, 2025

Listen
Ramalingam

Ramalingam Kalirajan  |8227 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi
Money
I've recently lost my job and I'm in the process of looking for new opportunities. While I manage my job search, I'm also facing a situation where my father is in the hospital, and I need to manage both my finances and care for him. I have some savings, but I'm unsure how to balance my financial needs with the hospital expenses and ongoing bills. How can I manage my finances in the short term while looking for a job and dealing with hospital-related costs? Should I use my emergency fund for these expenses, or should I prioritize keeping that fund intact for more severe emergencies? I'm concerned that if I use too much of my savings, I may not be able to cover my basic living expenses if the job search takes longer than expected.
Ans: I’m truly sorry to hear about your current situation. It is tough to manage job loss and a family medical emergency at the same time. You’re showing great strength by trying to plan wisely. Let us now work through this together, step by step, with a simple and balanced plan.

Let’s focus on protecting your savings, handling current bills, and preparing for the next 3–6 months with a calm approach.

?

Review All Financial Resources First

• List your current savings, emergency fund, and other funds in bank accounts.

?

• Note all monthly expenses like rent, groceries, bills, and hospital costs.

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• If you have any fixed deposits or investments, mark which ones can be broken easily without penalty.

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• Avoid withdrawing from long-term mutual funds unless there is no other option.

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• Create a written note of how long your money will last without any income.

?

Emergency Fund: Yes, Use It – But Mindfully

• Emergency fund is made for times like this. You can use it now.

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• Use it first for medical and basic monthly needs only.

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• Avoid spending it on non-essential expenses or lifestyle extras.

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• Try to keep at least 1–2 months’ worth of expenses in reserve even now.

?

• You can refill this fund later once you are employed again.

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Cut Down on Non-Essential Spending

• Pause or reduce spending on entertainment, subscriptions, and non-urgent items.

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• Avoid buying anything on EMI or credit during this phase.

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• Inform your family gently about the need to cut back temporarily.

?

• Cook at home, reduce travel, and delay purchases like gadgets or clothes.

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Talk to Hospital About Payment Options

• Some hospitals allow part payments or give discounts for cash or insurance claims.

?

• Ask them clearly if any help is available for people in financial stress.

?

• If your father has any insurance cover, submit all bills properly.

?

• If any relatives can support temporarily, accept it as a short-term help.

?

Temporarily Pause Long-Term Investments

• If you have SIPs or recurring investments running, consider pausing for now.

?

• Most SIPs allow you to stop for a few months without penalty.

?

• It is better to pause SIPs than to take a loan or credit card advance.

?

• You can restart all investments later once income restarts.

?

Prioritise Monthly Essentials First

• Make a list of top priority expenses – rent, groceries, electricity, transport, medicines.

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• Pay these without delay.

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• Delay or reduce less-important expenses like personal shopping, dining out, or travel.

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• If any credit card bills are due, pay minimum amount to avoid penalty.

?

Job Search: Stay Active But Calm

• Spend at least 3–4 hours daily on job search and networking.

?

• Update your resume, contact ex-colleagues, register on portals.

?

• Tell friends and well-wishers that you're open to short-term freelance work too.

?

• Any side income like part-time teaching, writing, or consulting will reduce pressure.

Plan For 3 Months, Then Review

• Make a plan for the next 3 months based on the funds you have now.

?

• List expected income (even if zero), known expenses, and gaps.

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• Revisit your plan monthly and adjust as the situation changes.

?

• Keep written records of expenses. This will help you manage better.

?

Avoid Taking Personal Loans or Credit Advances

• This is not a good time to take a new loan.

?

• Personal loans or credit card EMIs will add stress later.

?

• Use your own cash reserves or ask for trusted family help before using credit.

?

Once Job Resumes, Rebuild Step by Step

• Start rebuilding your emergency fund first.

?

• Then restart your paused SIPs.

?

• Set small financial goals like clearing any dues or saving for 1 month’s expenses.

?

• Slowly get back to normal pace without rushing.

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Emotionally Stay Stable and Rest When Needed

• This is a tough phase but it will pass.

?

• Take help from friends, counsellors or support groups if stress gets heavy.

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• Take care of your health, sleep, and food. You need energy now.

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• Talk to your child simply and gently. Kids understand more than we think.

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Finally

You’re already doing the right thing – asking for help and planning ahead.

?

This phase will test your strength but also show your courage.

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Use the emergency fund wisely. Cut extra expenses.

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Pause investments, keep job search active, and stay calm.

?

Even small income during this time will help manage better.

?

Once the job returns, you can rebuild everything with more clarity.

?

You are not alone. Take support wherever you find it.

?

Your family is lucky to have you managing so carefully and wisely.

?

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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