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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Manoj Question by Manoj on Nov 27, 2023Hindi
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Relationship

Hi, Iam 42 and married for last 12 years with two kids. Due to the scuffles between us my wife left me with kids and have been living away for last 4 years. During this time, a girl of, 15 years younger to me, came in my life and I found a true soul mate in her, may be due to the void which was created because of my wife leaving me. Last year that girl got married to someone else, as she has already planned and conveyed to me right in the beginning of our relationship. In, last one year, my wife is also trying to come close to me, as I have been bearing all their expenses and have been trying to be a good and reasonable father and husband (though I myself is pretty lonely, after my girl's departure) and my wife and kids are now finding me to be a great and responsible man. But me, at the deep down level, is drowning every single day and finding it unbearable to live without my girl. Do not know what to do. That girl is living happily with her husband and planning for the kids. At the same time, she on and off calls me and ask for the monetary favours, which I have been fulfilling even after her marriage. Iam broken and helpless. Kindly help.

Ans: That girl is only in touch with you for the monetary favours. If you have a chance at keeping your family together, please take it. Don’t be taken advantage of by someone who went off and married someone else. She’s young and smart, and knows how to take advantage of you…and you’re letting her. Also, it may benefit you to visit a therapist regularly for some time and talk through your problems in private. Get all this off your chest so you can focus on your own family.

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Ravi

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Dating, Relationships Expert - Answered on Jan 30, 2024

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I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide.
Ans: Dear Anonymous,

It is refreshing to see someone so selfless as you. I understand and appreciate your love and how much you are ready to sacrifice for her. However, I would like to offer a suggestion – it's crucial to prioritize your own mental and emotional health in this situation. While it's unfortunate that she is dealing with challenges in her marriage, resorting to having an affair might not be the most constructive way to cope.

I suggest that she and her husband explore the option of seeking professional help through a marriage counselor. This could help them navigate the complexities of their relationship and make an informed decision about whether to continue their marriage or part ways. In case they decide to separate, it would be valid for you two to start a relationship and pursue a happy life together. But if they decide to remain married, I fear that you might end up sacrificing your own chance at a fulfilling love life. I realize that you might be okay with it, but it isn't fair to you.

I encourage you to have an open and honest discussion with her before committing to anything, ensuring that your feelings and well-being are also taken into account.

Best Wishes!

..Read more

Kanchan

Kanchan Rai  |566 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 22, 2023

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Relationship
I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide
Ans: Dear P,
This is undoubtedly a complex and emotionally challenging situation. It's important to approach it with care and consideration for both your feelings and hers. Reflect on your own feelings and desires. Consider what you want in a relationship and whether you can realistically achieve those goals in this situation Talk to her about your concerns, fears, and the impact this situation has on both of you. Discuss the future and what you both want. Ensure that you're on the same page about your expectations and the potential challenges that may arise Understand the potential consequences of continuing this relationship. Consider the impact on her family, your own well-being, and the well-being of any children involved. Be realistic about the challenges you may face. Consider the long-term implications of the relationship. If there is no possibility of it evolving into a more conventional partnership and that is something you desire, you may need to evaluate whether continuing the relationship is in your best interest Ultimately, the decision you make should align with your values, desires, and what you believe is best for your overall well-being. It may be a difficult decision to make, but taking the time to reflect, communicate, and seek guidance can help you navigate this challenging situation.

..Read more

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2024

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Relationship
I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 13yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She is honest in her married life but after these incident she don't want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a condition to give our relationship a NAME in society. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide
Ans: I understand that you're in a complex and emotionally challenging situation. It's commendable that you want to support and ensure the happiness of the person you care about. However, it's crucial to consider your own well-being and emotional health as well.

Here are some steps you might want to consider:

Communication is key: Have an open and honest conversation with her about your feelings, concerns, and expectations. Understand her perspective as well. Clear communication is the foundation of any healthy relationship.

Set boundaries: Determine what you're comfortable with and establish clear boundaries for your relationship. Consider the impact on both of your lives, and ensure that the arrangement is sustainable and healthy for both parties involved.

Consider professional help: Given the complexity of the situation, it might be beneficial for both of you to seek guidance from a therapist or counselor. They can provide support, help you navigate through challenging emotions, and offer practical advice on how to move forward.

Evaluate your own well-being: Reflect on your own needs, aspirations, and emotional health. It's important to prioritize your happiness and fulfillment as well. Consider how the situation might affect your overall life satisfaction.

Explore options: Depending on the circumstances, there might be ways for her to address the challenges in her marriage, such as seeking therapy, counseling, or discussing her concerns with her family. Encourage her to explore these options, and provide support where possible.

Ultimately, the decision on how to proceed is a personal one and depends on the dynamics of your relationship and the well-being of everyone involved. Taking the time to reflect, communicate openly, and seek professional guidance can be instrumental in making informed decisions. Remember to prioritize your own happiness and consider what is sustainable for both of you in the long run.

..Read more

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Dr Dipankar

Dr Dipankar Dutta  |1061 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

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Career
I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?
Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:


Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

...Read more

Milind

Milind Vadjikar  |1134 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

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Hi sir I am investing when ever i have money not like in SIP. my most of investments are around 6 L invested in Quant different mutual funds. No a days i can see my all the Quant funds are going down. Im 34 years old female. My plan is 10 years. Can i exit from quant and invest in any some MF rather than getting more loss? Can you please review my portfolian. Do i need to exit from any MF. Since i'm maintaining too many MF. Thanks in advance. Mutual Funds List No' Scheme Name AMC Category Sub-category ISIN 1 DSP Small Cap Direct Plan Growth DSP Mutual Fund Equity Small Cap INF740K01QD1 2 Quant Focused Fund Direct Growth Quant Mutual Fund Equity Focused INF966L01853 3 Parag Parikh Flexi Cap Fund Direct Growth PPFAS Mutual Fund Equity Flexi Cap INF879O01027 4 Mirae Asset ELSS Tax Saver Fund Direct Growth Mirae Asset Mutual Fund Equity ELSS INF769K01DM9 5 JM Flexicap Fund Direct Plan Growth JM Financial Mutual Fund Equity Flexi Cap INF192K01CC7 6 Axis Growth Opportunities Fund Direct Growth Axis Mutual Fund Equity Large & MidCap INF846K01J46 7 Parag Parikh ELSS Tax Saver Fund Direct Growth PPFAS Mutual Fund Equity ELSS INF879O01100 8 Quant Small Cap Fund Direct Plan Growth Quant Mutual Fund Equity Small Cap INF966L01689 9 Canara Robeco Small Cap Fund Direct Growth Canara Robeco Mutual Fund Equity Small Cap INF760K01JC6 10 Motilal Oswal Midcap Fund Direct Growth Motilal Oswal Mutual Fund Equity Mid Cap INF247L01445 11 Nippon India Multi Cap Fund Direct Growth Nippon India Mutual Fund Equity Multi Cap INF204K01XF9 12 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 13 ICICI Prudential Value Discovery Direct Growth ICICI Prudential Mutual Fund Equity Value INF109K012K1 14 Quant Flexi Cap Fund Direct Growth Quant Mutual Fund Equity Flexi Cap INF966L01911 15 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 16 Quant ELSS Tax Saver Fund Direct Growth Quant Mutual Fund Equity ELSS INF966L01986 17 Aditya Birla Sun Life PSU Equity Fund Direct Growth Aditya Birla Sun Life Mutual Fund Equity Sectoral / Thematic INF209KB1O82 18 Quant Mid Cap Fund Direct Growth Quant Mutual Fund Equity Mid Cap INF966L01887 STOCKS LIST 1 APOLLO TYRES-EQ RE 1 2 ASIAN PAINTS EQ 1/ 3 BRITANNIA IND-EQ1/- 4 CG POWER-EQ2/ 5 IRCTCL-EQ2 6 NHPC LIMITED - EQ 7 TATA STEEL-EQ1/ 8 Deepak nitrate 9 LT 10 Narayana Hrudayalaya
Ans: Hello;

6 L worth investment in 18 different funds is spreading it too thin.

You have a time horizon of 10 years but how much corpus you want to accumulate after 10 years kindly clarify?

Also if you can specify the goal for which this investment is aimed at then it will help us to suggest suitably.

I will recommend you strategy to rationalize you MF holdings once you revert on the above points.

Thanks;

...Read more

Milind

Milind Vadjikar  |1134 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025
Money
Sir, I am Mudassar, 40 years old, i have 3 childrens, 2 daughter and son. Sir, i need your suggestions/guidance becaz i am in very crtical situation. My take home salary is 40K and my father (retired age 74 ) salary is 35K , we both have personal laons to build house. I have two running LIC's , on which i have taken loan also. Recenlty we build own house , if i sell now, i will get around 42 to 45 Lakhs . My lloan detailsbelow ; 1. HDFC 7,20,000 emi 14K 2. Company emi 1,50,000 emi 4K 3. LIC loan 2 laks emi 2K 4. Father loan 4 lacks , two year remaining, emi 14K Total emi : 34K Apart from we are paying 15K monthy to chit fund , still 15 months remaining. Summary: Total sal 75 K , after laon and chit fund deducting , will get 26K to run home , including grocery, children fees , health etc... its very difficult to manage, and keep thinking to take extra loan .. as i said earlier , have two LIC's , i am.paying 56K every year . What i am thinking is, i will sell my house And clear all my laons .. and approximate i will have 25 Lakhs remeaing , so i will inest in mutual fund , SIP , SWP, index fund for long time investment .. So i.am in very confusing mode , whether i have to sell my house .. and start my investment journey... pls help sir .. My finacial conditions are very similar to all middle class family.. Request you to please reply and give your sugestion for investment joury. Awaiting your kind reply .. Thanks in advance ...
Ans: Hello;

Suppose you sell your house and clear your loans and other liabilities but where will you & your family stay?

How much rental per month would be required to get an adequate house on rent?

Please clarify. Based on your input we can advise you suitably.

Thanks;

...Read more

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