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Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2024

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
Mohan Question by Mohan on Jun 08, 2024Hindi
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Relationship

Hellow, Anuji, I m 24, my gf is 25 and her elder sister is of 30. Elder sister was my friend at start and her younger sister proposed me as she loved me by listening to glimpses of mine by her sisters mouth. We r in relationship for a year now, she really loves me and I too. But later on I came to know that, her elder sis loves me too, and she conveyed this to me thru letter. I was too emotional about how I made her sad( elder one), in between, for 2 3 days, we had physical contacts, this came to know to younger sis who I love the most. She is much upset now, feeling broken. What shd I do now

Ans: Dear Mohan,
I am sorry but this is going to sound harsh to you...
What sort of emotions are you talking of that makes you jump from one person to the other?
You have just broken the younger sister's trust. An apology is not going to set anything right and yes, she is broken and maybe should also be upset with you.
What sort of a sister actually does this to her younger sister? The two of you have a lot of explaining to do to the younger sister...
And well, she may very well not be prepared to let go of this for now..Face this...every action has a consequence...
Trust takes time to build and when it's broken, well...wait...she may forgive you both or not! Face her...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Kanchan

Kanchan Rai  |656 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

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Relationship
Hi, I'm a 33-year-old male, in a relationship for the last 4 years. I have an elder unmarried sister who is 39 years old, and an elder brother who is also unmarried but might get married next year. My concern is about my relationship. Initially, everything was fine, but after two years, things started to get messy. In 2022, during Diwali, my girlfriend visited my home. After that, she began to take issue with many small things related to my mother and sister and complained to me about them. Now, things are getting worse day by day. She constantly taunts me, saying, "As long as your sister is in that house, no one will want to marry their daughter into your family." My mother gave her a gold coin as a Diwali gift, which she has now returned to me, asking me to give it back to my mom with the message, "Find someone else for your son and see how many proposals you get." I always try to meet her demands, but she never seems to understand my perspective. Now, I feel angry and negative toward my family. I love her very much and can't leave her, but I know she doesn't understand my situation and always tries to prove she is right in every way. Please help me understand what I should do..???
Ans: Dear K,
It's clear you're in a difficult situation, feeling torn between your love for your girlfriend and your loyalty to your family. It's essential to acknowledge both your emotions and your needs, as well as those of your girlfriend and family.

First, have an open and honest conversation with your girlfriend. Share how her comments and actions are affecting you and your relationship with your family. It's crucial that she understands your perspective and the importance of family in your life. Approach this conversation with empathy, making it clear that you value her feelings but also need her to respect your family's role.

Additionally, consider discussing boundaries and expectations. Every relationship requires compromise, but it shouldn't come at the cost of your mental and emotional well-being. If your girlfriend is unwilling to see things from your point of view or continues to create tension, it might be necessary to reassess the relationship's dynamics.

Seeking guidance from a relationship counselor could provide a neutral ground for both of you to express your concerns and work towards a solution. A professional can offer tools and strategies to navigate these challenges, ensuring that both your relationship and family bonds are respected.

Remember, a healthy relationship should uplift and support you, not create constant conflict and negativity. Balancing love and family can be challenging, but with clear communication and mutual respect, it is possible to find a path that honors both.

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 02, 2025

Relationship
Hello Mam Good afternoon My father today came to know about my relationship Cause of some chaos and lots of allegation is rising on her because of her father’s past conflicts my parents are thinking that she works in bar and all as her brother is twin of her so parents also stated that they trying to make relationship and abducted our money and properties , my sibling went Goa to enjoy and there he met both of them so her brother just kidded him to have drink and my sibling took it serious and today he told that thing to dad and dad was like how ridiculous but brother knows it was just a joke nothing else.. I know both of them twin , her brother is kind of funny and kidding kind of person And she is hardworking lady she works in PNG Jewellers of Panaji Branch along with her brother both have a clear intention to build their own house and live happy and they both are working too on it They both know about their father so they discussed about it and later they visited Goa from UP Than they started their job and soon afterward her father along stepmom shifted Goa as her father did the same past chaos So they are living in Goa I know my parents are just trying to end this but I can’t it’s been 5year long relationship with lots of ups down but healthy My mother and brother they both are of same mindset they bluffed into my dad’s ear and today in evening I have to do discussion with dad How should I start as I know this phase is really heavy and painful cause I’m 21 year old an aspirant and just met with this consequence My plan was to first achieve my job and than I’ll reveal but destiny have some other plans Please mam help me out… I’ll be very grateful to you please reply as soon as possible you can please
Ans: Dear Anonymous,
I have been very clear on my suggestions to you in your initial question to me. Have an honest conversation with your parents and see what comes out of it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), of which I'm currently a bona-fide student, and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
Sir, I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Sir, do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
Sir My Son has given class xth exams. He want to take PCB. Sir 1. what are the options other than MBBS, If neet is not cleared. because we can't afford private institutions. 2. What is the scope of Bioinformatics. is Math compulsory for bioinformatcs. Regards Gopal Krishan from Faridabad Haryana
Ans: HI GOPAL SIR,
GREETINGS FROM REDIFFGURUS.
If your ward is considering a career in medicine or engineering, opting for PCMB (Physics, Chemistry, Mathematics, and Biology) is a better choice than just PCB (Physics, Chemistry, and Biology) alone. This path will offer more opportunities and help avoid future challenges in pursuing engineering.

PCMB provides a wider range of options compared to PCB. If he chooses PCB, entering the engineering field may prove to be more difficult.

For PCB, there are primarily two pathways to consider:

**With NEET (National Eligibility cum Entrance Test):**
- MBBS (Bachelor of Medicine, Bachelor of Surgery)
- BDS (Bachelor of Dental Surgery)
- BVSC (Bachelor of Veterinary Science)
- AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy)
- Allied Health Sciences

**Without NEET:**
- Pharmacy
- Nursing
- B.Sc. in Medical Laboratory Technology (MLT)
- All basic science streams (Chemistry, Physics, Biology, Biotechnology, Food Science, etc.)

Regarding Bioinformatics, if he is interested in this field, he can pursue it part-time or through online courses as a supplementary option. However, it is essential to note that the scope for bioinformatics is limited compared to other courses.

There’s no need to worry; clearing NEET is achievable. The key is proper planning and support from you. If you need any further clarification, please feel free to reply to this message.

Best regards.

...Read more

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Asked by Anonymous - Feb 17, 2026Hindi
Money
HI i am a 42 years pvt sector employee. I am currently investing in MF SIP of 50/52k per month (avg age 5 years) and accumulated MF corpus till date including a few old ones stands at 33 lakhs. NPS of 6k per month, PPF 4k per month and 25k pm in EPFO including employers share. I have an o/s home loan of 1.25 crs @ 7.10% and plan to pay it off in next 10 years. Retirement age is 58 and desired corpus by retirement should be 7-8 crores. Please advice am i on right track and any changes to the investment strategy required? also i do plan to increase allocation to mf by min 15% annually till retirement age. My Term cover is 50 lakhs. Mediclaim of 20 + 20 lakhs top up and my wife has a 50 lakhs mediclaim. We dont plan any kids.
Ans: Hi,

You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.

Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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