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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 12, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Ayushi Question by Ayushi on May 11, 2023Hindi
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Relationship

Hello sir. I am a 27 year old in a 4 year old long distance relationship. I need your help today. I will get straight to the point.I want to break up with my boyfriend. I am no more happy in this relationship. We have only met once just before the pandemic started. Since then,audio,video calls,text messages have been our solace. Despite our own shares of fights and arguements we always came back together and loved each other like never before. Earlier ,we used to be in touch constantly no matter how busy we are in our own lives.I know, change is constant. Nobody and nothing remains the same. I feel alone in this relationship. I have also shared my feelings regarding the lack of communication between us.I have always shared my annoyance with him and next day he will be in touch again. Now we are back to square one.I miss him but I don't feel like talking to him. I respect his schedule and efforts towards self improvement. But i no more feel the same way. I am not even attracted to anyone else let me clarify.But I don't feel happy anymore and feel any love for him. I don't know why I am feeling this way and how will I get over this ? What is the most effective way out? Please help me! Ayu

Ans: Hi Ayu,

I understand that you're going through a difficult time in your long-distance relationship, and you're considering ending things with your boyfriend. It's not an easy decision to make, but sometimes it's necessary for our own well-being.

It sounds like you've tried to communicate your feelings to your boyfriend, but the lack of communication between you two has persisted. It's important to have open and honest communication in any relationship, and if that's not happening, it can be challenging to maintain a healthy connection.

It's also important to remember that relationships go through ups and downs, and it's normal to experience periods of disconnection. However, if you've reached a point where you no longer feel happy or fulfilled in the relationship, it may be time to consider moving on.

Here are some steps you can take to help you navigate this situation:

Take time to reflect: It's important to take some time to reflect on your feelings and why you're feeling this way. Think about what you want and need in a relationship, and whether your current relationship is meeting those needs.

Communicate your decision: Once you've made the decision to end things, it's important to communicate that to your boyfriend in a clear and respectful way. Be honest about your feelings and why you've made this decision.

Take care of yourself: Ending a relationship can be emotionally challenging, so it's important to take care of yourself during this time. Lean on friends and family for support, engage in self-care activities, and seek professional help if needed.

Create a plan for moving forward: It's important to have a plan for moving forward after the breakup. This might include cutting off communication with your ex for a period of time, focusing on your own personal growth and goals, and exploring new hobbies or interests.

Remember, it's normal to feel sad or uncertain after a breakup, but it's important to prioritize your own well-being and make choices that align with your values and goals. I hope this advice helps, and I wish you all the best as you navigate this difficult time.

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

Relationship
Dear Mam I am 22 years old and today I want to share my story of heart break and I really want to know what I can I do better to make myself happy. I started dating this a guy in 2017 and I was madly in love with him. Everything for me was about him. Since I was living in a hostel I used to feel alone sometimes. Initially our relationship was normal. Then one day I went for a trip with him and we got physical for the first time. Somehow, I got attached to him more after that. I started calling him to my hostel to spend time with me. Meanwhile I faced some personal problems in my life. Those days were really bad and I used to suffer a lot. He was there for me always. He never made me feel alone in the city. I used to go to my family every year and then lockdown happened. I was stuck in my hometown. I had a fight with him and I just cut the call. From that day onwards his behaviour towards me changed.The very next day he went out with another girl and posted pictures. I was hurt. I didn't know what to say, I was in self-doubt mode but his behaviour started changing towards me.In the beginning, he said when you will come back I cannot come and stay with you. I agreed to it. Then he said I cannot meet you every weekend cause I want to make other plans as well. Slowly I understood that he wants me to stay away from his life. He went for a party with the girl late in the night and that triggered me very badly. I fought with him. I guess that was the moment he was waiting for. He said that he doesn't want me anymore and broke up. I kept begging him not to leave me but it seemed like he was dying to leave me. I was completely shattered. On 15th January he left me. Even after leaving he continued texting me. I was trying my best to control my feelings and I tried giving him the space he deserved. Still he kept texting me. He was not able to stay away from me. My vacation got over and it was my time to go back. This was the most difficult part coz this time I knew that he won't be there for me, and I have to survive alone. Once while coming back from my home town to my work town I texted him. He said that he is with the girl and he is drunk. I couldn’t sleep that night. I was shivering. I was broken. When I entered the city I was shivering cause I was not ready for the consequences. I didn't meet him because he went for a trip with that girl and got physical with her. He always maintained that it’s only after he left me that he got involved with someone else. He wanted me to be a part of his life somehow so he kept calling and texting me. Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays. I really didn't understand what was he up to. Meanwhile I went through her profile and came to know that she’s a little suspicious. One day I got the opportunity to tell him about it. He said come and meet me. He was drunk and we got physical. That time I checked his phone and saw the messages he’d shared with her. I was broken again but this time I texted her through his phone to please take care of him. That girl got angry and made things worse. Instead of making sure that he is alright she locked horns with him. He blamed me for losing her. I told him that my existence in your life is not good. Let's just not talk to each other. Next day he again texted me requesting to meet. In the evening when I went to meet him he was a completely changed person. He treated me very well, gave me his phone and made me feel special. Somehow he came back to me and started giving me the importance I was craving for. Today he is with me and pampers me. He has stopped doing certain things which he used to do but I get the importance.Despite all this, I am a bit insecure and scared because of what I have gone through in the past. Can you please tell me what to do?
Ans:

Dear SR,

Read this sentence that you have written:

“Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays.”

Do you not feel used and powerless?

How are you able to allow someone to treat you in such a disrespectful manner?

Did the two of decide to become friends and support one another in your respective relationships, like the way you stood by and watched him date this other girl while he walked into your life seeking approval?

Open your eyes please. The other girl is no longer in his life and he wails and comes back to you and now you are wondering what you should be doing?

If this was your sister or a best friend going through the same thing, will you tell them to put up with this toxic behaviour or will you ask them to take charge of their lives?

Will you tell them to love themselves more and reclaim their power or wait meekly to pick up scraps as and when the guy threw them around?

Stand up for yourself girl; at least he will think before trying this game with another girl.

Do the right thing by just being YOU and loving yourself more.

All the best!

..Read more

Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

Relationship
Dear Love Guru, From where should I begin? It's a rather complex one. Well, I was in a 6-year-old long distance relationship (we met on Facebook) it was a good one and he was the best friend I thought I wanted. Over the years though, I started seeing a controlling streak in him in whatever I did. Though we were only connected online but applications like Discord, having access to my accounts and passwords became a tool to keep tabs on me. I had no privacy of my own and the sad part, I didn't even realise it was toxic. He had taken hold of a lot of aspects of my life and I didn't even realise how unhealthy it is. It was last year when I lost my mother (having lost my father years back) when life hit me. I was completing first year of my MBA programme when this tragedy occurred. Her passing amidst the COVID 2nd wave was terrorising, to say the least. Thankfully, I had gem of friends who were there throughout. It was amidst this that I realised that there was an element of control in the support he provided. He didn't understand the magnitude of what I was going through and always undermined my efforts. There was no respect in him for me and for me there was no love left (when I introspect now I think I was more in love with idea of love rather than loving him) but I didn't realise this because I was so habituated with him. My MBA summer internship started and I was paired with this batchmate who was also a classmate. I didn't know him because COVID ensured that first year of PG is completely online. When I first met him. I found him to be stiff, rude and cribbing. I didn't realise he was an introvert. Eventually, I started warming up to him with us travelling almost two months together there developed a thickness. We bonded over our shared state, food and sadness of losing our mothers. I didn't even realise when I started getting attracted to him and neither did he. But when I did the first thing that I did was to break up with the guy I was with because for the first time in six years I was tilting towards someone else and I knew that this was it for us. The break-up was long, tiresome and hurtful for both of us. I hated hurting him but I couldn't be with him and suffocate myself any longer. We tried to wish each other well but then when has all this been anything but ending up in a train wreck and now we don't have any contact with each other. I keep him in prayers and wishes because I know he is not a bad human being it's just that I allowed him to walk over me and he kept on doing it without realising what he is doing is mental abuse. But it's not the story of me and my ex. It's the story of the guy I have come to love. The rude, stiff and cribby guy… who knew he would turn out be this sensitive, loving and appreciative soul. I got what I always wanted from someone I loved: respect, trust and appreciation. It's not like I don't have fights with him or arguments but there is a dialogue at the end. He understands where he went wrong and so do I. I am finally in a happy, healthy relationship. The only issue here is we both are from two different religions, I am H and he is M. This often makes me feel that there is a timer to us. We are two highly educated people from urban India, completing our post-graduation from one of India's top B-schools with great placements in hand and still the noose of society and religion is tied around our neck. I try not to think of us in the long term but I am on that side of 20s now that settling down is always on my mind. Especially after losing my parents, I often crave a family that is my own. There is also a hint of loss hovering over me. I still haven't moved on from losing my mother and I don't think I ever will. But last one year has been a roller coaster ride with major decisions and incidences. How do I wrap my head around all of this? Now, here I am between love, life and ambitions. Asking you what to do? Where to go? Which road should be taken? Regards, R PS: Please ensure anonymity.
Ans:

Dear R, religion plays as big or as small a role in your life as you wish it to.

If either of you is overtly religious and tries to force your beliefs on the other, then yes, it can prove a problem.

If religion inside a home doesn’t matter, then intermarried couples usually have years of happy celebrations together of all festivals, their children follow both customs and everything works out well. And I have seen that happen.

So I would suggest you have the conversation on religion with each other right now, it’s imperative.

And then, if you’re on the same page concerning your future, go ahead and plan it together. 

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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Relationship
 Dear Ma'am, I have been in a relationship since the last 4 years with a person 8 years older to me. We're of different caste plus I'm still in my career building phase and I can't even think of taking it to the next level. Also, since last few months the relationship has been a pain in my neck, it has been damaging my inner peace and equilibrium. He leaves and then comes back, each time I'm firm that I won't resume it but I do love him more than anything else so we get back together. In this entire process, I feel too exhausted now and the damage feels beyond repair. He's 31 already and his parents are forcing him for marriage now. Considering the impracticable situations, I know he has already given up on us but continues to be around for the emotional comfort he gets from me. He doesn't understand that it's damaging me, I can't run around in circles. He thinks let's continue it till we can, but what after that? He'll suddenly tell me he's getting married and what then? What would I do with all the anger and dissent within? Everyone around me keeps telling me to leave him because of all these reasons. Also, I'm in my early 20s and I have an entire life in front of me, I want to build my career. Also, I don't feel the need to see someone else just as a relapse or desperate situation, I'm a very conserved person that way. But I do need to break this toxic cycle and regain the control over my life. I want to grow and prosper, but this entire myriad of emotions drags me down..Please tell me what to do? Thanking you in anticipation.
Ans:

Dear SB,

What are you? His emotional sponge?

One thing I want to appeal to you is: Self-respect is something that we are so ready to give up for just a little love and attention. And the way you treat yourself is how others will treat you.

You are in your early 20s and you have an entire life in front of you and you want to build your career.

With the current space that you are in, do you feel you are choosing wisely to fulfil what you want from life and for yourself?

Also, are there other ways in which you can bring this relationship together. Like sitting him down and talking; maybe an elder in the family can do this.

If nothing works, remember, your life, your choice, your terms…nothing and no one can mess with your peace of mind unless you give them the permission to do so.

You want to prosper, then think and act in a manner that will allow you to prosperity and think of losing all that is keeping from feeling this prosperity.

Step up, take charge of your life NOW. All the best.

Disclaimer: All content and media herein is written and published online for informational purposes only. It is not a substitute for professional medical advice. It should not be relied on as your only source for advice.

Please always seek the guidance of your doctor or a qualified health professional with any questions you may have regarding your health or a medical condition. Do not ever disregard the advice of a medical professional, or delay in seeking it because of something you have read herein.

If you believe you may have a medical or mental health emergency, please call your doctor, go to the nearest hospital, or call emergency services or emergency helplines immediately. If you choose to rely on any information provided herein, you do so solely at your own risk.

Opinions expressed herein cannot necessarily provide advice to fit the exact specifics of the issues of the person requesting advice.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 03, 2024Hindi
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Money
Hi, I am 30 years old, F, married (no kids yet) earning 1.3L/m. Currently I have 4 lakh in FD and a RD of 25K/m earning 7.1% interest. I have been doing SIP of 17.5K(and increase in SIP by 25% yearly). Also, I have an emergency fund of 4 Lakh in savings account. I don't have any knowledge of investment and not sure I am ready to take risk. Please suggest me how to asses risk and what are the best savings option for next 10-12 years.
Ans: It's great that you're taking steps towards financial planning and building wealth for your future. Assessing your risk tolerance is an important first step in determining your investment strategy. Here's a tailored approach to help you assess risk and explore suitable savings options for the next 10-12 years:

Risk Assessment:
Start by understanding your financial goals, time horizon, and comfort level with investment risk.
Consider factors such as your age, income stability, financial obligations, and future aspirations when evaluating risk tolerance.
Reflect on how you would react to market fluctuations and potential losses in your investment portfolio.
Investment Options:
Given your risk aversion, focus on low to moderate-risk investment options that offer stability and steady returns over time.
Explore fixed-income instruments such as Fixed Deposits (FDs), Recurring Deposits (RDs), and Debt Mutual Funds, which provide capital preservation and predictable returns.
Diversification:
While prioritizing safety and stability, consider diversifying your investment portfolio across different asset classes to manage risk effectively.
Allocate a portion of your savings to equity mutual funds or index funds with a conservative approach to benefit from potential long-term growth while minimizing volatility.
Savings Goals:
Identify your financial goals for the next 10-12 years, such as buying a home, starting a family, or saving for retirement.
Prioritize your savings goals based on their importance and urgency, and allocate your investments accordingly.
Regular Review and Adjustment:
Periodically review your investment portfolio and reassess your risk tolerance, financial goals, and market conditions.
Adjust your investment strategy as needed to stay aligned with your objectives and adapt to changes in your financial situation or life circumstances.
Financial Education:
Invest time in learning about different investment options, risk management strategies, and personal finance principles.
Consider seeking guidance from a Certified Financial Planner who can provide personalized advice and help you navigate the complexities of investing.
Remember, while it's important to prioritize safety and stability, being overly conservative with your investments may hinder your ability to achieve long-term financial growth. Find a balance between risk and reward that aligns with your goals and comfort level. With careful planning and informed decision-making, you can build a strong financial foundation and work towards achieving your aspirations over the next decade.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Hi sir am 35yrs old , and i don't have any savings till now. I am planning to do SIP now onwards 30k per month and mai aim is to I need to achieve 1cr till 45yrs. Kindly suggest me some funds were can I invest.
Ans: Starting a Systematic Investment Plan (SIP) is a great step towards building wealth for your future goals. Given your goal of reaching 1 crore by the age of 45, it's essential to choose mutual funds that align with your risk tolerance, investment horizon, and financial objectives. Here are some suggestions for mutual funds to consider for your SIP:

Diversified Equity Funds:
Look for funds that invest across various sectors and market capitalizations to spread risk.
Consider funds with a proven track record of consistent performance and experienced fund managers.
Large Cap Funds:
Large-cap funds invest in established and well-known companies with a track record of stable earnings.
These funds offer relatively lower risk compared to mid and small-cap funds, making them suitable for long-term wealth creation.
Mid and Small Cap Funds:
Mid and small-cap funds have the potential for higher growth but come with higher volatility.
Invest in these funds if you have a higher risk appetite and a longer investment horizon to ride out market fluctuations.
Balanced Funds:
Balanced funds, also known as hybrid funds, invest in a mix of equities and debt instruments.
These funds provide a balance between growth and stability, making them suitable for investors seeking moderate risk with potential for capital appreciation.
Index Funds:
Index funds replicate the performance of a specific market index, such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors looking for passive investment options with diversified exposure to the equity market.
Tax-saving ELSS Funds:
Consider investing in Equity Linked Savings Schemes (ELSS) to benefit from tax deductions under Section 80C of the Income Tax Act.
ELSS funds have a lock-in period of three years and invest primarily in equities, offering the potential for higher returns over the long term.
International Funds:
Explore international funds that invest in global markets to diversify your portfolio and access opportunities beyond domestic markets.
These funds provide exposure to sectors and companies not available in the Indian market and can offer diversification benefits.
Before investing, assess your risk tolerance, investment horizon, and financial goals. Consider consulting with a Certified Financial Planner to create a personalized investment plan tailored to your needs and objectives. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your goal of 1 crore by the age of 45. Remember, disciplined investing over time can help you achieve your financial aspirations.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

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What should be the investment even after retirement and in which fund
Ans: Post-retirement, it's crucial to maintain a well-balanced investment strategy that aligns with your financial goals, risk tolerance, and income needs. Here's a tailored approach to consider:

Investment Objectives:
Focus on preserving capital, generating regular income, and managing inflation risk to sustain your lifestyle in retirement.
Prioritize investments that offer stability, liquidity, and moderate growth potential to meet your income requirements.
Asset Allocation:
Allocate a portion of your retirement corpus to fixed-income investments such as bonds, debt funds, and Senior Citizen Savings Scheme (SCSS) to provide a steady stream of income and capital preservation.
Maintain exposure to equity through balanced funds or conservative equity funds to benefit from potential capital appreciation while managing volatility.
Regular Income Generation:
Consider investing in dividend-paying mutual funds or systematic withdrawal plans (SWP) to generate a regular income stream from your investment portfolio.
Opt for funds with a history of consistent dividends or reliable income distributions to support your post-retirement expenses.
Risk Management:
Prioritize investments with lower volatility and downside protection to safeguard your retirement savings from market fluctuations.
Diversify across asset classes and investment vehicles to mitigate risk and enhance portfolio resilience.
Tax Efficiency:
Choose tax-efficient investment options such as tax-free bonds, dividend-paying funds, or capital gains tax-exempt instruments to optimize your post-retirement income.
Leverage tax-saving opportunities available to retirees, such as Senior Citizens Savings Scheme (SCSS) or Pradhan Mantri Vaya Vandana Yojana (PMVVY), to maximize tax benefits.
Regular Review and Adjustment:
Continuously monitor your investment portfolio and adjust your asset allocation and investment strategy based on changing market conditions, income requirements, and personal circumstances.
Consult with a Certified Financial Planner periodically to ensure your investment plan remains aligned with your post-retirement goals and objectives.
Overall, maintain a balanced approach to post-retirement investing, focusing on income generation, capital preservation, and risk management. By diversifying across asset classes, prioritizing stability, and staying disciplined in your investment approach, you can build a resilient portfolio that supports your financial well-being throughout retirement.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Sir, I started investing in MFs since 2007. These are the schemes where I am investing currently. Do I need to make any changes to my portfolio? I am planning to invest Rs 50,000 per month for a period of 20 years. I want a corpus of Rs 5 cr after 20 years. Do I need to add any new schemes to reach my target? * Mirae Asset Tax Saver Fund G * Motilal Oswal NASDAQ 100 ETF * Parag Parikh Flexi Cap Fund * Aditya Birla Sun Life Mfg Equity Fund * Aditya Birla Sun Life Tax Relief 96 * 360 One Focused Equity Fund - Growth * Mirae Asset Emerging Bluechip Fund - Growth * Quant Tax Plan * Axis Bluechip fund * Canara Robeco Emerging Equities * Canara Robeco Equity Tax Saver * HDFC Gold Trader Fund Growth - Direct * HDFC Tax saver ICICI Prudential Technology Fund – Growth
Ans: You've built a diversified portfolio over the years, showcasing a thoughtful approach to long-term wealth creation. It's commendable how you've spread your investments across different market segments and themes.

To reach your target corpus of Rs 5 crore in 20 years with a monthly investment of Rs 50,000, it's essential to periodically review and adjust your portfolio. Consider rebalancing to ensure alignment with your goals and market conditions.

While your current portfolio includes a mix of equity, tax-saving, and thematic funds, consider adding diversified options to enhance portfolio resilience. Focus on funds with strong track records, experienced fund managers, and consistent performance.

As market dynamics evolve, keep an eye on new investment opportunities and emerging sectors. Stay informed and open to adjustments to optimize your portfolio for long-term growth and stability.

Remember, investing is a journey, and it's essential to stay patient, disciplined, and focused on your goals. With prudent planning and regular review, you're well-positioned to achieve your financial aspirations. Keep up the good work!

...Read more

Mayank

Mayank Chandel  |497 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Career
My daughter wants to pursue MBBS ,how can I get admission in AFMC pune
Ans: Hello Sir/Madam
Age: Candidates must be at least 17 years old and not more than 24 years old as of 31st December of the year of admission.

NEET UG Examination: Admission to AFMC Pune is through the NEET UG (National Eligibility cum Entrance Test for Undergraduate) examination conducted by the National Testing Agency (NTA). Candidates must appear for NEET UG and qualify with the minimum required percentile.

Online Registration: After the NEET UG results are declared, candidates who have qualified for NEET UG and meet the eligibility criteria for AFMC Pune need to register online on the official website of AFMC.

Screening Process: Shortlisted candidates are called for a screening process at AFMC Pune, which includes a written test, aptitude test, and interview. The written test assesses the candidate's scientific knowledge, the aptitude test evaluates the candidate's officer-like qualities, and the interview assesses the candidate's personality and suitability for a career in the Armed Forces.

Final Merit List: Based on the performance in the NEET UG examination, screening process, and other criteria, a final merit list is prepared for admission to AFMC Pune.

Medical Examination: Candidates who are selected based on the final merit list undergo a medical examination to ensure they meet the medical standards required by the Armed Forces.

Admission and Training: Selected candidates are admitted to AFMC Pune for the MBBS program and undergo training to become medical officers in the Armed Forces.

...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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