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Anu

Anu Krishna  |1794 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 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
HV Question by HV on May 25, 2022Hindi
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Relationship

Hey Anu, Straight to the point, life is full of comfort and I hate that part.
Well I want to seek your valuable opinion on my past. I mean I just get stuck into him
So there was the guy and I fell with him. But there is a saying whatever falls or breaks, happened to me.. he had gf he didn't tell me that factor even after 4 years of our togetherness.  Then after right now he got engaged with some other girl near to my home.
I’m not able to give up on him. He doesn’t prefer me. I’m aware of that neither first nor ever. I hate myself for that part only. I don’t want to be that type of girl.
I accept the rejection but he made me feel like that I lost everything about me. Selflove is really really missing.
Thanks in advance

Ans:

Dear HV, So he loves you (A) and then he didn’t tell you about his girlfriend (B) and then he goes on to be engaged to another girl (C).

What are we looking at here? A vegetable market with vegetables on display?

Because that’s how he seems to be behaving. He seems to be fidgeting about finding girls and yet you pine for him.

Anyway, what do you feel that you must do?

Pine for someone who isn’t clearly steady for a relationship and who hides facts from you and that too when he is engaged?

Isn’t it abundantly clear to you that he isn’t interested in you or are you waiting for a few more instances to reveal themselves?

Yes, you are right! Self-love is missing…if you were to treat yourself the way you would treat a friend, your mother, a baby…what would you do for them?

Treat them with care, love, respect, right? You would indulge in them and pamper them!

Do the same for yourself…Do what you love and indulge in yourself. Spend time with people who love you and be with Nature a lot.

You are your own priority and I know that you know what you must do with priorities in one’s lives. Just do that…

All the best as always! Love yourself more…

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Anu

Anu Krishna  |1794 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

Anu

Anu Krishna  |1794 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

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Relationship
Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

..Read more

Ravi

Ravi Mittal  |720 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 26, 2024

Asked by Anonymous - Jun 25, 2024Hindi
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Relationship
I was not all at studious till class 8.i used to rank hardly 45 th in a class of 50 students.Then in class 9,my teacher changed my section.When I went to the new section,I felt in love at first sight.This was my first love obviously (But one-sided).She was a topper and beautiful.I proposed her.She rejected me and told me that I am worthless and I have no future.I was very sad for 6-8 months.After that I decided to prove her that I am worthy and I can do something.I left everything (cricket,karate,dance, singing, drawing, swimming-I used to learn them but I left).I completely focused on to prove my love.I started studying for more than 10 hrs daily.I was just 8 marks behind her in my 10 boards.I cried a lot that I lost the battle.She became 6 th and I became 9 th in class in 10 th class.Then I gathered hopes again.This time I started studying as much as I could(14-16 hrs daily).I became 2nd in class 12 and she became 3rd.I got just 1 mark more than her.I know it's a great win.I have proven myself but I don't know why I can't move on from her.I have been in 4 relationship in 4 respective years (class-9 -10 -11 -12 respectively) but I am not finding any interest in these relationships.I am completely confused what is happening with me. Please tell me what should I do now.
Ans: Dear Anonymous,

I love how you took a negative comment on you and turned it into something so positive and productive. Though revenge is never the right approach, I must commend you for your dedication and for letting it be a driving force for something amazing. Now, coming to your question, why you are not being able to forget her? It's simple. You have let her words affect you and you are still holding on to it. As amazing as your results are, you seem happier to have beaten her than about your own success. I suggest focusing on yourself now. You did great! You deserve to be proud of yourself, for your efforts and achievements, not for achieving more than her. And one more thing, do you want to date someone who had such a low opinion of you? Is that how you see yourself? Trust me, you deserve someone who reciprocates your feelings and is proud of you. And about your relationships not working, you are still a kid. You have plenty of time to find the right relationship and when you do, it will work.

Best Wishes.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11151 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2026

Money
If I want to withdraw 1.5 lac per month, which SWP is better and how much should I invest in it?
Ans: It is very good that you are planning SWP (Systematic Withdrawal Plan) in advance. Planning monthly income properly helps protect your capital and gives stable cash flow.

To withdraw Rs 1.5 lakh per month, the correct SWP structure depends mainly on:

– your age
– investment horizon
– whether income is required lifelong or for limited years
– existing retirement corpus
– risk tolerance

Still, I will guide you with a practical structure that suits most long-term SWP income needs.

» How much investment is required to withdraw Rs 1.5 lakh per month

Normally, safe SWP withdrawal rate should be around:

– 6% yearly for very safe structure
– 7% yearly for balanced structure
– 8% yearly for growth-oriented structure

Based on this:

Approximate investment required:

– Conservative structure: around Rs 3 crore
– Balanced structure: around Rs 2.5 crore
– Growth-oriented structure: around Rs 2.25 crore

This allows income sustainability without early capital depletion.

If withdrawal period is limited (example 15 years), required corpus may be lower.

If income required lifelong, higher corpus is safer.

» Which mutual fund categories are best for SWP income

Best SWP income normally comes from a combination approach.

Ideal structure:

– 40% Multi asset allocation category fund
– 30% Balanced advantage category fund
– 20% Flexi cap category fund
– 10% Short duration debt category fund

This structure provides:

– income stability
– inflation protection
– market downside control
– long-term capital sustainability

Avoid using only pure equity category funds for SWP.

Avoid using only debt category funds also because inflation reduces value.

Combination approach works best.

» Why multi asset allocation category fund works well for SWP

This category invests across:

– equity
– debt
– gold

It adjusts allocation automatically and supports stable withdrawal planning.

Very suitable for retirement-style monthly income planning.

» Tax efficiency advantage of SWP

SWP is more tax-efficient compared to interest income.

Because:

– only capital gain portion is taxed
– equity mutual fund LTCG above Rs 1.25 lakh taxed at 12.5%
– debt fund gains taxed as per income slab

So proper category selection improves post-tax income.

» How to structure SWP correctly

Better approach:

– keep 2 years withdrawal amount in short duration debt category fund
– keep remaining corpus in multi asset + balanced advantage category funds
– review once per year
– increase withdrawal gradually based on inflation

This protects income continuity during market corrections.

» Important preparation before starting SWP

Before starting SWP ensure:

– emergency fund available separately
– health insurance active
– no high-interest loans pending
– nominee details updated

These steps protect retirement income stability.

» Finally

To withdraw Rs 1.5 lakh monthly comfortably, target corpus should ideally be between Rs 2.25 crore and Rs 3 crore depending on risk level.

Use combination of multi asset, balanced advantage, flexi cap and short duration debt category funds instead of relying on a single category. This improves income stability and protects capital for long-term sustainability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Nayagam P

Nayagam P P  |11050 Answers  |Ask -

Career Counsellor - Answered on Apr 22, 2026

Career
Namaskar, My son has got 93.60 percentile in JEE mains 2026 with General rank 100144 and OBC NCL rank 32618. I request you to kindly guide me can he get admission in SGSITS, Indore in CSE / IT / ETC branch having MP domicile or any other better option as per your recommendation.
Ans: Govind Sir, With 93.60 percentile, CRL 1,00,144 and OBC-NCL rank 32,618 (MP domicile), your son should try both MP BE counselling and JoSAA. For SGSITS Indore, recent MP-counselling data show General home-state closing ranks around CSE 18,410, IT 37,589, ETC 48,484 in 2025, so CSE looks difficult, IT is borderline, and ETC appears the most realistic; OBC-MP quota may improve chances somewhat. For JoSAA, at OBC 32,618, expect mainly lower-demand branches in mid/lower NITs, IIITs and GFTIs, not CSE/IT in top institutes. My recommendation: SGSITS ETC/IT first, then good MP colleges like IET-DAVV/JEC, while keeping JoSAA + CSAB as backup. (I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your son’s preferred institutions and branches during counselling). ALL the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

Nayagam P P  |11050 Answers  |Ask -

Career Counsellor - Answered on Apr 22, 2026

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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