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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
A Question by A on Jul 04, 2022Hindi
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Relationship

Hello, I had a question for Anu ma'am. I have been in a relationship with a guy since 2021. He is a very sweet, loving, caring guy, is always patient with me, tries to understand me, puts in more effort than I do, loves me more than any guy ever would. I love him too but I have been sleeping with my best friend. She has a boyfriend too.
We both feel that we've never experienced this kind of love before with any guy. We want to be together but also do not want to hurt these two guys. They've done a lot for us. Sometimes we think of running away but we know that no one's family would support us since we're of the same gender. I feel very helpless and stuck. Neither can I let my guy go, nor can I let my best friend go. I love them both. Could you please help me out?

Ans:

Dear A,

Before you confuse yourselves and others, seek professional help from someone who specialises in sexual orientation and challenges from it.

It can be very confusing to deal with this alone especially in a society that can scoff at same gender relationships.

Surround yourself with a lot of love and people who value you for who you are.

You need an independent view who can ask you questions that will put things into perspective and help you negotiate better with your confusions.

Remember confusions precede clarity, so never stop and keep moving.

Love yourself and your best friend even more as that’s what is going to help the two of you sail through this challenging time.

Sexual orientation moving away from what’s ‘normal’ can be scary and can throw us off balance as we have suddenly cut off the oxygen supply of support: which is society, family and friends who may or may not understand this.

Whatever this is, the confusion needs to be handled, so bring a third person’s expertise to move ahead. It definitely helps!

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
Hello mam! Let me get straight into my story... I have 3 best friends. We were very close.One of them, say A, was in a relationship with a girl named B. We kind of set it up in 2019 but soon he lost interest. But she was into him. She begged him but he didn't respect her feelings. This went on for a year then she slowly began to move on.Meanwhile, the girl and I got close. When he didn’t respond to her, she would cry to me and I pacified her. We became good friends but it escalated and we got into a relationship. I didn't discuss it with my friends. I informed them only after we became serious. It broke our friendship. I had asked my friend A many times about her and he’d said it’s all over so I never thought of discussing. I wasn’t aware that he was thinking about patching up with her. Now none of my close friends talk to me. Since most of my other friends are common to both of us, my entire school friends’ circle is lost. I feel very lonely. I know it’s my mistake. I shouldn't have done it. I never expected him to consider reuniting with her. Now I feel guilty for cheating my best friend. I feel like I abducted his girlfriend from him. What should I do now? Should I break up my relationship? I know this won’t change anything now. But at least after a few years I can hope my friends will accept me. At the same time, I am into her so much and so is she but I feel terribly guilty and miss my friends. I am totally confused.Would like to know your thoughts on my situation!!
Ans: Dear AP,

I don’t know how old you are, but it seems to me that you have broken some unwritten Bro Code.

But honestly, from your story all I can fathom is that you are choosing to feel guilty simply because your ‘close’ friends as you call them, ignore you.

Isn’t it immature of you to actually not be able to make a decision in life that involves you and your relationships, or do you need the blessings of your so-called friends for it?

As far as you are concerned, things were over between your friend and the girl.

So, did you need to take their permission to date her?

Also, what about your other friends? Did they not bother to even hear from you once and choose to see things your way and patch thing between you and your friend?

Instead, they decided to play the judge and pronounce you guilty for an act that doesn’t seem to need that verdict.

So, do you still want to swim in the sea of guilt and see your relationship with the girl wash away with time OR do you want to go surf that tide and take charge of your decision? Get the drift here?

Step Up; all the best!

..Read more

Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
Hello mam! Let me get straight into my story... I have 3 best friends. We were very close.One of them, say A, was in a relationship with a girl named B. We kind of set it up in 2019 but soon he lost interest. But she was into him. She begged him but he didn't respect her feelings. This went on for a year then she slowly began to move on.Meanwhile, the girl and I got close. When he didn’t respond to her, she would cry to me and I pacified her. We became good friends but it escalated and we got into a relationship. I didn't discuss it with my friends. I informed them only after we became serious. It broke our friendship. I had asked my friend A many times about her and he’d said it’s all over so I never thought of discussing. I wasn’t aware that he was thinking about patching up with her. Now none of my close friends talk to me. Since most of my other friends are common to both of us, my entire school friends’ circle is lost. I feel very lonely. I know it’s my mistake. I shouldn't have done it. I never expected him to consider reuniting with her. Now I feel guilty for cheating my best friend. I feel like I abducted his girlfriend from him. What should I do now? Should I break up my relationship? I know this won’t change anything now. But at least after a few years I can hope my friends will accept me. At the same time, I am into her so much and so is she but I feel terribly guilty and miss my friends. I am totally confused.Would like to know your thoughts on my situation!!
Ans: Dear AP,

I don’t know how old you are, but it seems to me that you have broken some unwritten Bro Code.

But honestly, from your story all I can fathom is that you are choosing to feel guilty simply because your ‘close’ friends as you call them, ignore you.

Isn’t it immature of you to actually not be able to make a decision in life that involves you and your relationships, or do you need the blessings of your so-called friends for it?

As far as you are concerned, things were over between your friend and the girl.

So, did you need to take their permission to date her?

Also, what about your other friends? Did they not bother to even hear from you once and choose to see things your way and patch thing between you and your friend?

Instead, they decided to play the judge and pronounce you guilty for an act that doesn’t seem to need that verdict.

So, do you still want to swim in the sea of guilt and see your relationship with the girl wash away with time OR do you want to go surf that tide and take charge of your decision? Get the drift here?

Step Up; all the best!

..Read more

Ravi

Ravi Mittal  |469 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 02, 2024

Asked by Anonymous - Jan 02, 2024Hindi
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Relationship
Please answer my question. I know it's long but I am really in a very bad situation. I am a girl. I love a guy and he also loves me but he is in a relationship since 2 years with another girl. We all three know know each other. Actually me and that guy came into contact because of our work and then we also started our business together. He was in a relationship and I was also in a relationship. Then i went through a breakup. At 1st we were very good friend and her girlfriend is also like a friend only but not as close. Me and the guy are very much compatible with each other in every aspect even our career goals are also similar, our caste is also same(in our areas caste matters a lot) and I belive compatibility is a big factor for we having feeling for each other and also proximity because of work. It happens after my breakup, I got the hint that he is having feelings for me which he told me indirectly but i told him that i will never see you from that perspective as i was decided that i am never going to like a guy who is committed and also for other reasons. But later I fell for him and talked to him directly, we both confessed our feeling for each other. We both love each other so much. But later I realised that I confessed assuming that since he can like me even being in relationship it means he don't have feelings for her now so if he will know that I also like him he will breakup with that girl. And he never though this kind of situation will come because he thought I could never like him as I made it clear to him earlier. Now we are stuck in a situation where our work is involved. We both are co-founders of a 3 co-founding member organization and that girl is also doing volunteering with our organization. I also had good relations with her. They both are from different caste but the guy committed her to marry her and now the his girlfriend do not want to breakup with him, she is saying she will do something suicide type if he won't marry her and she has also conveyed the same thing to her family as her family used to be against their relationship because of their caste but now because of the girl's behaviour they are convinced and it is creating a pressure for this guy, he is stuck. I am also stuck because we know that we are perfect for each other but he is scared that if he breakup with her she might do something and if he do not choose me then it will affect our work/career because I feel like if he won't choose me I won't be able to be in contact with him but it will cost our organization. He has requested me that if I don't choose you because of the situation, atleast let's maintain our friendship as you are like my strength and I can't behave like ki I don't know you and also because of our work but i think even if i try i won't be able to fulfill his this request if he won't choose me. Additionally, I am also getting pressure from my family because of my age but I am feeling stuck. I also feel guilty for that girl because i knew they were in relationship but I still have strong feelings for me and he also. Me and that guy is so stuck that it feels like our life will be ruined as everything is at stake from career to family.
Ans: Dear Anonymous,
I am really sorry to hear about the tricky situation you are in. I understand that it's painful and it almost seems impossible to move on from this guy but trust me, it will be for the best. If he picks you and leaves his now-girlfriend, you'd forever suffer from a guilty conscience and god forbid she actually resorts to self-harm. It is entirely their matter. Let him convince her that their relationship is meaningless because he is already in love with someone else. It's not your part to play. You cannot be the one to ask him to break up or pick you. I know that sucks, but that's the reality of it.

In my opinion, you can create a little distance between the two of you. Let him decide. You or her, or maybe he can just pick himself. But please don't choose him because the blame will later land on you. You take care of yourself and protect your mind. It seems impossible to unlove him but trust me, you deserve someone much more uncomplicated. The moment you realize that you will move on instantly.

Best Wishes!

..Read more

Ravi

Ravi Mittal  |469 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 02, 2024

Asked by Anonymous - Feb 02, 2024Hindi
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Relationship
Hi, I am a 22 year old female with an engineering graduation passed before 6 months. I had an long term relationship with my boyfriend since 4.5 years. We both are from different cities of KA and currently in it's capital city. I socialize with my male friends, which my bf does'nt like and whenever we meet it always turns into a fight. During my college graduation day, I was told not to participate which I did'nt agreed yet participated. During this my bf saw me with my friends around me and slapped me in public. This happened many times. Even though I have had quite a intimate time with one of my classmate and kissed another one. I never had real S*x with anyone. The intimacy was only to show my anger on my bf. Now I changed my location after graduation, broke with my bf and now I have a deeper understanding & relationship with a man of 42 aged-married-2 kids and a yet good being. We both had good time, no trust issues, no s*x, yet intimacies for couple of times. He keeps me happy, joyful, helping me towards my profession and goal, respects, looks me well and yet never forced me for penetration. He has plans to fly to UK after 3-5 years and promised to take me with him supporting my profession. I was really contented and happy with this relationship. He even assured that marriage can happen between us, If I agree and If I can wait until he gets divorced from his wife. But one day, my ex bf friend called and said that he has met with an accident and is in severed health issues like (piles, kidney stones). He is basically a drunkyard. Seeing this I got agitated. Now I wanted to breakup with the current man and go back to by ex-bf because he is left alone and we had 4.5 years of relation. I don't whether I am correct or not, Please advise.
Ans: Dear Anonymous,

I am not sure if you are right either way. Being in a relationship with a married man, who is yet to get divorce, is ethically incorrect, whether there is physical intimacy or not. At the same time going back to your ex merely because you feel sad for him is also not the right choice. You are yourself admitting that he is a drunkard and he was also controlling and above all he slapped you; there's no excuse for any form of physical abuse in a relationship. Being in love does not make it okay to hit your partner. Please understand that.

In my opinion, you should take some time to reflect on the choices you are making. I truly believe you deserve better than a man who hits you, tries to control you, and a man who is already committed to someone else. Please think about it and make better choices that will allow you to feel true happiness.

Best Wishes.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7280 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Asked by Anonymous - Dec 12, 2024Hindi
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Money
Can I utilise my money received by cancelling aggreement of one flat to repay the loan amount for the flat where I am residing?
Ans: Yes, you can use the money received from cancelling the agreement of one flat to repay the loan for the flat where you are residing. This can be a financially prudent decision, especially if the loan carries a high-interest rate. Here’s a detailed analysis to help you decide:

Benefits of Using the Money to Repay Your Loan
Interest Savings

Paying off your home loan early can save significant interest.
The earlier you repay, the more you save on interest due to the reducing balance method.
Debt-Free Living

Being debt-free reduces financial stress.
You free up cash flow that can be allocated to other financial goals.
Guaranteed Returns

Loan repayment offers guaranteed returns equivalent to the interest rate on your loan.
This is often better than the post-tax returns from other investments.
Enhanced Creditworthiness

Paying off a loan improves your credit score.
This is beneficial if you plan to borrow in the future for any purpose.
Factors to Consider Before Repaying the Loan
Prepayment Penalty

Check if your lender imposes a penalty for early repayment.
Most lenders, however, do not charge penalties on floating-rate loans.
Emergency Fund

Ensure you have an adequate emergency fund before using the money to repay the loan.
Ideally, keep 6-12 months of expenses in a savings account or liquid funds.
Opportunity Cost

Compare the potential returns from investing the money against the savings from loan repayment.
If your loan interest rate is lower than potential investment returns, consider investing instead.
Tax Benefits

Home loan interest payments qualify for tax benefits under Section 24(b) of the Income Tax Act.
Principal repayments are eligible under Section 80C.
If you repay the loan, you forgo these benefits, so weigh the impact on your tax planning.
Alternative Approaches
Partial Repayment

Consider making a partial repayment instead of fully paying off the loan.
This reduces the principal while keeping some funds liquid for other opportunities.
Invest for Higher Returns

If your loan interest rate is low, explore investing in mutual funds or other instruments.
Over time, these investments could potentially offer better post-tax returns.
Settle High-Cost Loans First

If you have any other high-interest loans, prioritise repaying those.
Examples include personal loans or credit card debts.
Final Insights
Repaying your home loan with the money from the cancelled flat agreement is a sound decision if your goal is to reduce debt and save on interest. However, consider your overall financial situation, including tax benefits, liquidity needs, and potential investment opportunities. A balanced approach—partly repaying the loan and investing the remaining amount—could offer the best of both worlds. Consulting a Certified Financial Planner can help you tailor the decision to your specific goals and circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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Rajesh Kumar Singh  |15 Answers  |Ask -

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Career
I'm a Chartered accountant .. recently qualified .I'm interested in start up company with intention of book keeping services .software .pls give me some piece of idea regarding how to begin my book keeping services software ..
Ans: Starting a bookkeeping service powered by your own software is a great way to leverage your skills as a recently qualified chartered accountant. With the growing demand for streamlined accounting solutions, your idea has a lot of potentials. Here's how you can get started effectively:

Understand the market and identify your niche:- You have to start by researching the market to identify the specific needs of small & medium-sized businesses. Because many businesses are struggling with manual accounting or find existing software too complex or expensive. Focus on building a solution that is simple, affordable and addresses their pain points, such as automating invoices, tracking expenses and generating tax reports.

Develop or customize software:- Decide whether to build your software from scratch with the help of a development team or customize an existing platform like QuickBooks or Zoho Books to create a unique product. But make sure your software includes essential features like cloud access, real-time financial tracking, automated reminders, payroll management, and integration with banking systems. Prioritize an intuitive interface so that even non-accountants can use it easily.

Provide flexible and scalable solutions:- Start structuring your services with flexible pricing models, such as tiered subscription plans based on business size and its features. With Offers add-ons such as tax filing assistance, compliance consulting, or financial planning to differentiate yourself from other competitors. A free trial or discounted onboarding package can attract new customers and build trust to convert the audience into customers.

Build a strong brand and online presence:- Start your service as a reliable, tech-enabled bookkeeping solution by emphasizing your credentials as a chartered accountant. You Have to create a professional website with client testimonials, feature highlights and demo videos of your software. Use social media and content marketing to showcase the benefits of your services, such as cost savings, error reduction compliance accuracy and many more. Networking with local businesses and participating in professional forums can also help increase your visibility in the market.

Stay up to date and constantly improve:- Accounting laws and technology are evolving quickly, so keep your software updated with new versions to meet regulatory requirements after getting client feedback. Introduce AI-powered features like predictive analytics or fraud detection to stay ahead of competitors. Engage with your clients regularly to understand their challenges and improve your offerings.

By combining your expertise in accounting with cutting-edge technology, you can create a reliable and scalable bookkeeping solution that not only supports businesses but also establishes you as a leader in this field. Start small, focus on client needs, and let your service grow along with your reputation.

...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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