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Pooja

Pooja Khera  | Answer  |Ask -

Life, Relationship Coach - Answered on Feb 01, 2023

Pooja Khera has a PGDM in human resources from Amity University and is a happiness and wellbeing coach certified by Yale University. She also has a master's degree in astrology and is a tarot card reader as well.... more
Nilesh Question by Nilesh on Jan 30, 2023Hindi
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Relationship

I recently had a breakup because she cheated me and now seems that she again wants to have patch up what to do

Ans: Hi there. I will be honest, cheating is a choice people make. As a coach, I've seen in way too many cases that once a partner ventures out, the relationship does not find its feet again. You need to carefully evaluate and ask yourself if you would be able to let this go? Is the relationship actually worth it? What is your expectation from this relationship going forward? But firstly take all your time and ask yourself- are you even willing to let this go? Whatever you may decide, remember no relationship is worth you having you to settle for anything less than what you deserve.

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 27, 2023

Asked by Anonymous - Feb 08, 2023Hindi
Relationship
Hi , My relationship started in 2017 was 27 then , We met in office she was 23 and then it blossomed and when it started getting serious i told him that i suffer from a chronic condition of Spondylitis & had some limitation of flexibility in upper spine & also told her that as per Doctors condition cannot be cured and my spine will be like this only and will get worse as it is a progressive disease and will involve other joints also because i did not wanted to hide anything from her as im a pure and truthful person at heart and this was my first relationship with any girl she accepted and said does not matter we will try our best to solve this but all these i was so down by the negative consultations by doctors that it will worse & medication had side effects that in mind i thought i will never get better and accepted to live with pain and told her this also but she seemed very positive and said we try to get it better , After 6 months working we both joined new companies , We also used to fight because she was a little immuature and used to fight for silly reasons and i used to tell if you want to leave relationship you can because i was already under pain but deep down from my heart never wanted to leave her this highs and lows went and in 2019 she cheated on me with a office colleague which she herself expressed to me and beg for pardon since i used to love her i accepted her for that she used to have a bf also before me which she already broke up with before meeting me My condition got worse in 2019,2020 due to work pressure but still was able to work and never took long leave she also tried to get me better by motivating me and i also supported her in her life , Then in 2021 she told her parents about me and a meeting was fixed her parents were not happy after seeing my condition which was visible she fight with her parents for me , I aksed them for some time and i did whatever to improve my condition and indeed in all these 18 years of suffering my condition got improved it used to pain less and i was becoming more active and our engagement was done and marrige was fixed But things started to getting worse between us after involvement of families since it was intercaste marrige not she frequent used to taunt me about my condtion that her family was suffering because of me and such things where was your family all these years and why they did not support you in this disease which used to make me feel very bad my family is my utmost importance as they supported me everytime right from the costly medications , academics etc in anger i said some bad words to her which i lament i even went to home crying to forgive and do not broke marriage but she blocked me my no from all social site and said she want to move on and her family broke the marriage and she said i only professionally supported her before marriage i can only support her on her work , health only Was it my fault to be true and tell her everything I did not used to buy her gifts but i told her i will be there with you like a rock whenever you need me My style of love is we support and respect each other to grow in life,have mutual respect and these materialistics things hardly matter It is almost 4 monhts now she blocked i still cannot forget her we had a 6 years relationship Im 33 now and don't want to get married as i don't think i will forget her i contacted her though email and gave my wishes to her but did not have any reply How can be so rude & cold atleast she could have said to me a good luck after showing so much care for 6 years Is this how relationship works i wonder have to leave my innocence at heart and be practical What should i do now , my health condition has also got improved when she left me but mentally i have not forgoten her , I still wish her good luck Please advise it is killing me from inside is this how the world works was i wrong in tellling her everything true
Ans: I'm sorry to hear about the pain you are going through. It sounds like you were very honest with your partner about your chronic condition and limitations from the very beginning of your relationship. Despite some ups and downs, you were able to maintain a loving relationship for six years.

However, it seems that after you both shared your plans of marriage with your families, things took a negative turn. Your partner's family disapproved of your medical condition and she started to say hurtful things about it as well. Unfortunately, you both said hurtful things to each other in anger and your relationship ended.

It's understandable that you are struggling to move on, given the time you spent together and the depth of your feelings. It's good to hear that your health has improved, but it's important to also take care of your mental and emotional health.

It's unfortunate that your partner has not responded to your email, but it's possible that she needs more time and space to process her own feelings. It's important to respect her boundaries and give her the time she needs.

In terms of your own healing, it may be helpful to seek support from friends, family, or a therapist. It's okay to feel hurt and it's important to take the time to grieve the loss of your relationship. As for whether you were wrong in telling her everything true, it's important to be honest in relationships, but it's also important to communicate in a way that is respectful and understanding. It's possible that your partner may have been overwhelmed by your condition and the pressure from her family, which may have led to some of the hurtful things she said.

Ultimately, it's important to take care of yourself and prioritize your own well-being. You deserve to be with someone who accepts and supports you for who you are, including any medical conditions or limitations.

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Ravi

Ravi Mittal  |633 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 03, 2024

Asked by Anonymous - Jul 02, 2024Hindi
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Relationship
Before coming into our relationship I knew that my girlfriend had a past relationship of 3 years. I asked about it just to clarify if anything was there which will harm our upcoming relationship we gona Start. She mentioned that she did not liked her past relationship and other stuff and she mentioned she had not any physical relationship of any kind with her ex . But now after we came into relationship after 2 years. I found out that she had a physical relationship with her ex . But no intercourse but other stuff. I could not believe her words when she told all this and she been laying all the things I asked if it was your first time and other things. I had no such relationship as of myself and told her that I hate such types where u already experienced stuffs with others . What should I do . I like her too she too loves me . But the thing I found out haunts me and make me fill miserable
Ans: Dear Anonymous,

I am sorry that you are hurting but her past truly should not matter to you in the present. Ideally, I am not in favor of pushing people to disclose their past experiences, especially if they are not comfortable with it. But I agree that she was wrong to get into a relationship with you when you specifically showed dislike towards the things you mentioned. I suppose she liked you too much and did not want to ruin her chances. I should also mention that judging a person by their past or because they had certain kinds of relations with their ex is not fair; you were not in the picture. Regardless of it, your pain is valid. It isn't easy to come to terms with new information about your partner's past.

Now hear me out, past is in the past. It can only hurt you if you let it. Think about it properly- did she do anything in the present to hurt you? NO. Can you or she change the past? NO. Should she apologize for having a past? NO. Should you move past this and work towards a better future? That's the only thing in your control. Chose wisely. If you think you will hold her accountable for this forever, then you both should reconsider this relationship. If you think this fight is meaningless, and want to move forward with your relationship, then great.

Best Wishes.

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Nayagam P

Nayagam P P  |10238 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Nayagam P

Nayagam P P  |10238 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
My daughter got btech CSE in NIT silchar but she already joined btech CSE data science in VIT chennai, kindly suggest which is better
Ans: Based on the following insights/information, your daughter can choose the better option for her. NIT Silchar’s B.Tech in Computer Science and Engineering is a government-funded program under the NIT Act with strong NAAC accreditation, experienced faculty holding PhDs from premier institutions, and a curriculum aligned with fundamental computer science concepts and emerging technologies. Its robust research culture includes IEEE-sponsored projects and MoUs with industry giants like IBM and TCS. The institute’s modern computing labs and centralized library support academic rigor, while the Placement Cell consistently achieves around eighty-five to ninety percent placement rates for CSE graduates. VIT Chennai’s B.Tech in Computer Science and Engineering with a Data Science specialization is NBA-accredited and features a contemporary curriculum blending machine learning, big data platforms, and cloud computing. Its dedicated Data Science lab, partnerships with AWS and Microsoft Azure, and faculty with industry backgrounds ensure hands-on project experience. VIT’s Training and Placement Office reports placement rates nearing ninety-five percent, with recruiters such as Amazon, Deloitte, and Adobe. Both institutions maintain transparent governance, active alumni networks, and robust student development cells. NIT Silchar offers the advantages of subsidized fees, core research opportunities, and a strong national institute brand, while VIT Chennai provides specialized data science exposure, state-of-the-art infrastructure, and higher placement percentages in tech roles. Opt for VIT Chennai’s CSE Data Science specialization for its higher placement rates, advanced Data Science infrastructure, and industry-aligned curriculum. Choose NIT Silchar CSE if you prioritize subsidized fees, essential research opportunities in computer science, and the prestige of a government-funded NIT. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10238 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Respected sir,i got Walchand sangli CSE(unaided) so what is difference between government aided and unaided? I am from DEFOPENS...
Ans: Sohit, Government-aided and unaided engineering colleges differ primarily in funding sources, which directly impacts fees, governance, and operational autonomy. Aided colleges receive financial support from the government, enabling lower tuition fees typically ranging from INR 20,000-60,000 annually, with standardized curricula, faculty recruitment through government exams, and adherence to strict regulatory guidelines. These colleges often provide more affordable education but may have limited infrastructure development due to budget constraints. In contrast, unaided colleges operate independently without government funding, relying entirely on student fees and private sources, resulting in higher costs typically ranging from INR 2-4 lakhs annually for engineering courses like CSE. Walchand College of Engineering Sangli offers both aided and unaided seats, with unaided CSE fees approximately INR 3.41 lakhs for the complete program. For DEFOPENS (Defense Personnel Open Category) candidates, you benefit from reserved quotas but must pay the same fee structure as other students in your chosen category. Unaided colleges generally provide superior infrastructure, modern facilities, flexible curricula, and autonomous decision-making but charge significantly higher fees. The admission process remains similar through MHT-CET counseling, with seat allocation based on merit and category preferences. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10238 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir can you breifly explain about the scopes of internships in the mechanical branch(core) of vit chennai.
Ans: VIT Chennai's School of Mechanical Engineering offers extensive internship opportunities for core mechanical students through strong industry partnerships with companies like Bosch, Tata Motors, Mahindra, ISRO, DRDO, Ather Energy, and Volvo. Students can pursue mandatory summer internships after second or third year and final semester internships with companies providing pre-placement offers. The school's MoUs with over 75 organizations including Saint Gobain, Johnson Controls, and Honeywell facilitate research internships, project collaborations, and live industry problem-solving. Essential institutional aspects include NAAC A+ accreditation, experienced faculty with PhD qualifications, state-of-the-art laboratories for thermal systems and CAD/CAM, transparent governance structures, and dedicated placement cells ensuring career support and industry readiness through practical exposure.

Recommendation: VIT Chennai provides excellent mechanical engineering internship scope through diverse industry collaborations, mandatory structured programs, and strong placement support. The comprehensive industry exposure, modern facilities, and experienced faculty make it an ideal choice for core mechanical engineering career development. However, try to have back-ups for internships instead of relying only on VIT. All the BEST for a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Money
Hi. I have a monthly income of 1.5lakh. I have SIPs of around 35k monthly. The SIPs are of Nifty smallcap, nifty50index, midcap,parag parikh flexi, kotak midcap. I want to build a diversified portfolio and have an asset of 1cr in 10 years. I have a home loan emi going on which is monthly 20k now. It will increase in the coming months. Please suggest.
Ans: You are already showing strong discipline with Rs. 35,000 monthly SIPs. Starting early and staying consistent is the key to building your Rs. 1 crore goal in 10 years. Your current income and surplus allow you to plan in a structured way without putting pressure on your lifestyle.

» assessment of present portfolio
– Current SIPs are in smallcap, midcap, flexicap, and index funds.
– Smallcap and midcap funds give high growth potential but carry high volatility.
– Flexicap offers balance by letting the fund manager switch between market caps.
– Nifty 50 index gives broad market exposure but no active management flexibility.
– Index funds simply copy the market and cannot avoid downside in bad phases.
– Actively managed funds can shift allocation to protect returns during corrections.

» building a more diversified allocation
– Avoid over-concentration in smallcap and midcap segments.
– Keep largecap actively managed funds as a stability anchor.
– Maintain some exposure to debt mutual funds for safety and liquidity.
– Include an international equity fund for global diversification.
– This reduces risk from Indian market downturns and currency fluctuations.

» recommended asset split for 10-year goal
– Equity funds: 70% of monthly investment.
– Debt funds: 20% of monthly investment.
– Gold or other hedge assets: 10% of monthly investment.
– This balance offers growth, safety, and inflation protection.

» adjusting current SIP mix
– Reduce direct index fund allocation and replace with actively managed largecap or multicap funds.
– Continue with one midcap fund but avoid holding too many in the same category.
– Retain flexicap fund for dynamic market allocation.
– Keep smallcap exposure limited to 10–15% of total portfolio for high growth potential without excessive volatility.

» role of debt allocation in your case
– Debt mutual funds give stability during market falls.
– They also provide liquidity for planned expenses or emergencies.
– Over 10 years, the debt portion will be shifted towards equity in the early years, then increased again in the last 3 years for safety before withdrawal.

» impact of home loan EMI increase
– Your EMI will rise, reducing investible surplus temporarily.
– Plan in advance so you do not stop SIPs when EMI increases.
– Keep an emergency buffer equal to at least 6 months of EMI + expenses.
– This prevents you from redeeming growth investments for loan needs.

» estimating potential growth towards Rs. 1 crore
– If you invest consistently and follow a balanced allocation,
– Equity growth over 10 years can multiply invested amounts significantly.
– The debt portion will add stability and protect from market timing risks.
– Even with moderate growth assumptions, Rs. 1 crore in 10 years is realistic.

» tax planning for your investments
– Equity mutual funds: LTCG above Rs. 1.25 lakh in a year taxed at 12.5%.
– STCG on equity: 20% tax rate.
– Debt mutual funds: taxed as per your income slab for both short and long term.
– Plan redemptions around your goal year to minimise tax liability.

» review and rebalancing
– Review portfolio performance annually.
– If one category grows beyond target allocation, rebalance to maintain risk level.
– Rebalancing avoids over-exposure to any single segment.
– In last 2–3 years before goal, gradually shift gains to debt for safety.

» safeguarding financial plan
– Ensure you have adequate health and life insurance.
– This keeps your investment plan safe even if an emergency occurs.
– Avoid stopping SIPs unless there is a severe cash flow issue.
– Continue business or salary income growth to keep surplus healthy.

» finally
You already have the right habit of disciplined SIPs. By reducing over-concentration in high-risk segments, shifting some index fund allocation to actively managed funds, and adding a planned debt portion, you can control risk while targeting Rs. 1 crore in 10 years. Staying consistent, rebalancing regularly, and protecting your plan with insurance will ensure you reach your goal confidently.

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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