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Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 01, 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 - Jan 15, 2024Hindi
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Relationship

Please dont disclose my identity.I am aged 40 and not married.My father expired 13 year back and sister got married ten years. I started trying for arranged marriage by asking relatives but two of my mothers brother and family involved and distruct all my efforts by saying false stories. Idont drink smoke or have no bad habits.They made false stories to my mother relatives and father relatives. So i got tired of this drama .then i quit my job and start a business.i have confident that i can run a business smartly and it was going smooth for last 7 years. My i only idea is to recruit some staff so that if got a good one i can marry.i dont fibd any help from others.i got attached with one of my staff but after 2 years she said not interested. She also heavily attack me mentally by saying bad words about me to my partner. I got shocked of her sudden behavior and even after 8 months i have not recovered. I purely love her and done everything she said she likes.even after this shift of behavior and harassment she came to job for 1 more month. I never had a bad word or any type of misbehavior with her even for a second, as i love her completely. She also knows that but she dont know that i love her. I have her voice messages but not even once i oppose what ever she said. I dont want to make her feel any guilty. Then onwards i have not send any messages call or any attempt to see her. But day by day i loose my self and loose interest to live. I dont know what to do further

Ans: I'm really sorry to hear that you're going through such a difficult time. It sounds like you've faced challenges in your personal and professional life, and the recent experience with someone you cared about has added to your emotional distress. Coping with rejection and the emotional toll it takes can be incredibly tough. Talk to friends or family members about what you're going through. Sharing your feelings can be a relief and help you gain perspective.If the emotional burden becomes too much to handle, consider seeking the support of a mental health professional. They can provide guidance and strategies to cope with the challenges you're facing. Reflect on your personal goals and priorities. While finding a life partner is important, it's also crucial to ensure you are content and fulfilled in other aspects of your life. Reconnect with activities or hobbies that bring you joy and fulfillment. This can help take your mind off the challenges you're facing and bring positivity into your life. Healing takes time, so be patient with yourself. It's okay to feel the way you do, and acknowledging your emotions is an essential step in the healing process.

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 07, 2023

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Relationship
I am 42 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some compulsion they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot is still waiting for me and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide.
Ans: Dear P,
This is a confused and confusing situation that you are in. Kindly do not confuse yourself any further. She might never be able to step out of her marriage and be with you. So, are you some kind of a 'spare' person? Are you willing to play a secondary role in someone's life when you have the chance to be the primary person in a well-defined relationship?
Being friends and supporting one another is one thing; but being in a relationship that has no structure invariably causes misunderstandings, anger, disappointments and more confusion.
When she is clear that she will stick by her marriage, let this be...why wouldn't you simply be a friend who also wants to create his own life.
It's nice to live in a fantasy world and assume that this kind of an engagement will work; it's far from the truth...You are worried about destroying her disturbed life; do look into what you are doing to your life as well. Chasing behind someone who is married and intends to be in it is like chasing a ghost that will never be seen or heard but will certainly cause anguish in some form to you.
Be wise, at 42, you still can build your life that is not dependent on someone else's emotions and boundaries. You deserve a good life; so create it.

All the best!

..Read more

Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 16, 2023

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Relationship
I am 38, married male with two kids. I got in touch with a widow aged 48 years and in a good relationship. She proposed me first and initiated into relationship. Prior to our relationship, she was in a relationship of 27 years and was still in his touch. Her husband expired just five days into our relationship. After that, when i got to know her relationship of 27 years, i tried to brake the relationship but she insisted that she is just good friend to him, and nothing more now. I relied on her version. Lately, from the past six months, she made my life hell by levelling allegations on me that I have relationship with my sister in law. I tried to make her understand that I call her beta as she is around 23 but still doesnt want to understand. I broke her with on 27 june, but she came again in july this year and said sorry. During quarrel period, she made call to my wife, my friends and levelled filthy allegations against me. When she came back, I forgave her and tried to make peace with her. But after that too, she still believes that I am in relationship with my sister in law. I got fed up with her and again broke with her. One thing more that we both invested our money in making one building as builder. She doesnot have permanent source of income and relies on making money as PG counseller. During this, she suffered from financial problems and took care of her monthly expenses, her ration, etc. Kindly help.
Ans: It sounds like you've been through a complex and challenging situation. Dealing with personal relationships, especially when there are allegations and trust issues, can be very difficult. Here are some steps and considerations to help you navigate this situation:

Reflect on Your Priorities: Take some time to reflect on what you want in your life and what is most important to you. This includes considering your family, your own happiness, and your financial stability.

Open and honest communication is essential. It's important to have a calm and honest conversation with her about your concerns and feelings. Ask her to clarify her doubts about your relationship with your sister-in-law and express how these accusations are affecting you and your family.

Trust Issues: Trust is the foundation of any healthy relationship. If trust has been repeatedly broken, it can be challenging to rebuild. Discuss the importance of trust with her and see if there's a way to work together on rebuilding it. Be prepared to listen to her concerns as well.

Boundaries: It's essential to establish clear boundaries in your relationship. Discuss what is acceptable behavior and what is not. Make sure both of you are on the same page regarding these boundaries.

Counseling: Consider seeking the help of a relationship counselor or therapist. Professional guidance can be beneficial in resolving complex issues and improving communication.

Financial Matters: If you both have invested money in a property together, it's important to discuss how to handle this aspect of your relationship. Consult with a legal professional to understand your options and ensure a fair resolution.

Self-care: This situation has likely taken a toll on your emotional well-being. Ensure that you are taking care of yourself, both mentally and physically. Reach out to friends and family for support.
Reevaluate the Relationship: Reflect on whether this relationship is healthy and if it's in the best interest of both parties. Sometimes, it's necessary to make difficult decisions for your own well-being.

Talk to Your Wife: Be open with your wife about the situation. Let her know what has been happening and reassure her of your commitment to your marriage.

Protect Your Reputation: If this woman continues to make false allegations against you, it might be necessary to take legal action to protect your reputation. Consult with an attorney about any potential defamation or harassment issues.

Distance Yourself: If the relationship with this woman is causing you significant stress and harm, it may be best to maintain distance from her. Focus on your family, your work, and your own well-being.

Learn from the Experience: Use this difficult situation as an opportunity for personal growth. Reflect on what you've learned about yourself and your relationships, and use that knowledge to make better choices in the future.


Legal Advice: If the financial aspect of your relationship becomes contentious, consider consulting with a lawyer to protect your interests and explore legal options regarding the property you both invested in.

Remember that each relationship is unique, and there may not be a one-size-fits-all solution. The most important thing is to prioritize your well-being and the well-being of your family. It may also be helpful to involve a therapist or counselor to mediate the situation and provide guidance on how to move forward.

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi, my age is 29. Married. My daughter is 8 months old. My monthly salary is Rs. 1.33L PM. Monthly expense - Rs. 35,000 Current commitments are: Home Loan EMI - Rs. 43,535 (8 months completed. 30 years tenure) Term Insurance - 1cr (Annual premium - Rs. 36,000 for 10 years. 7 more premium pending) Current NPS Balance - Rs. 75,000. Investing Rs. 15,000 pm SSY - Rs. 12,500 pm. APY - Rs. 409 pm I'm planning to save for Emergency Corpus Fund, get a medical insurance floater policy. My short term goal is to save Rs. 20 lakhs within 4 years for registeration and interior work for house. My long term goals are for daughters UG education, wedding, retirement at 55 years. I took investment risk test and Im an aggressive investor and planning to invest more on equity. Also, I want to diversify the portfolio and invest across asset class.
Ans: It's great to see your proactive approach to financial planning! With your solid income and clear goals, here's a suggested plan:

Emergency Corpus Fund: Aim for 6-12 months' worth of living expenses in a high-yield savings account for emergencies.
Medical Insurance Floater Policy: Ensure adequate coverage for your family's healthcare needs, including your daughter.
Short-Term Goal - House Expenses: Consider a mix of equity and debt mutual funds for potential growth while safeguarding against market volatility.
Long-Term Goals - Daughter's Education, Wedding, Retirement: Continue investing in equity through mutual funds or stocks for higher returns over the long term. Also, explore options like PPF, NPS, and diversified funds for diversification across asset classes.
Review and Adjust: Regularly review your portfolio's performance and make adjustments as needed to stay on track with your goals.
Remember, financial planning is dynamic. Consulting a Certified Financial Planner can provide personalized guidance tailored to your unique circumstances and aspirations. With discipline and strategic investing, you'll be well-positioned to achieve your financial dreams.

...Read more

Mayank

Mayank Chandel  |437 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Career
I completed bams a year ago. I passed 12th in 2014 and prepared for neet 2 times but couldn?t get seat because i was not serious about my career at that time. I had no clearity. I was so confused that I couldn?t focus. Even my parents and relatives were scolding me and not helping me . So I wasn?t thinking roperly focused. Then i gave bams entrance for the first time and got seat. I feel like if they wouldn have helped me or asked me what do i feel then i must not have been in the same place as am today. I feel i have ruined my life. Am currently working in delhi as a physician in a very renowned ayurvedic institute. But i feel like I don?t have passion for ayurveda. Am 26 years old. Everytime i feel like failure as I couldn?t get mbbs. Still my teenage to final year of my college i used to be so confused about my career. As now at 27 am having clearity that i want to be a cardiac surgeon, i feel like it?s too late to restart again. I feel depressed, failed and guilty. I don?t know if its a good decision to appear for neet again or not. I feel like defeated. I dont Feel happy. This time i have a lot of passion for becoming a cardiac surgeon but i am not able to decide this thing myself. I feel helpless. I feel guilty that I couldn?t clear neet exam. On the other hand there are some of my friends who never ever appeared for neet and did bams from private colleges are really happy and don?t have any complaints from this career. Why do i only feel defeated and unhappy.
Ans: Hi,
I cannot help you psychologically. But yes if you are really serious & want to restart give it a second thought that whether you will be able to give another 10 years into study. Plus NEET has become more competitive now as almost 24L+ students are writing this year. Again you won't make it there you will be more depressed. Other option would be MBBS abroad then. But still the question is will you be able to give your next 10 years into study?

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.
Ans: It's heartening to hear your dedication to securing your children's future amidst the joys and challenges of parenthood. Your commitment to various investments, including LIC policies, SIPs, and PPF, reflects your foresight and responsibility.

While your current investments provide a solid foundation, it's essential to regularly review and adjust your financial plan. Consider consulting with a Certified Financial Planner to assess if additional contributions or adjustments are needed to meet your ambitious goals.

Remember, financial planning is a journey, and flexibility is key to adapting to life's twists and turns. With careful planning and guidance, you can navigate towards a brighter future for your children with confidence.

...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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