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Devastated as Live-In Partner of 9 Years Opts for Arranged Marriage - What Should I Do?

Ravi

Ravi Mittal  |331 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 08, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Jul 06, 2024Hindi
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Relationship

Hi. I have a live in partner for almost 9 years now. But unfortunately he has to go for an arranged marriage this year. My heart is broken into pieces. He still want me to stay after his marriage because we both live abroad. He plan to keep his wife with his parents in India and live with me. I love him so much. I was also aware since we started our relationship that we have no future together and I agree with that. Now that the time has finally come, I’m so much in pain. I don’t know what to do. Please help.

Ans: Dear Anonymous,

I don't think I have to tell you that what your ex-partner is planning is exceptionally wrong. Wrong to his new wife, wrong to you. The only one gaining from this situation is him. He gets to keep his parents' wishes and his own. But that is not how life works, does it? I hope you understand that accepting his proposition would make you an accomplice to this terrible plan. I hope you make the right choice and trust me, there is only one right choice here. And where there is such an easy distinction between right and wrong, there is no excuse to make the wrong choice.

Best Wishes.

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Kanchan

Kanchan Rai  |364 Answers  |Ask -

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

Asked by Anonymous - Aug 08, 2024Hindi
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My boyfriend of last 2.5 years who is 25 years old and has a 11 years age gap with me has decided to get married to someone else as per families choice. I am writing to understand few things: we started of casually where i proposed to him. He initially hesitated and after thinking for few days, also wanted to start the relationship. Later time went by we became involved at deeper levels. We spent majority of the times together, have shared goals, we lookout for each other. He doesn't state his feelings very often. He takes care, enjoys spending time, we planned tris together, we know our families but not that we are involved. He takes care of many things and it was almost like a live-in. Now and then he used to come up and tell we should stop, I'll be like give us time when rhe thing about marriage comes we will see. Now the thing is initially when he wanted to leave he was telling we are like Radha and Krishna, now when i am standing my ground that i can't see him with another girl, he is telling i was never in love with you. He never tells i love you and i have accepted it that way. Now he is telling me that it was my thoughts that we are in love but he was never in love. Im a person well established in my field and holding 3 degrees , pursuing further Higher Education. He needed me during his studies, ive told it to him multiple times that you needed me when you had work. Ive inspired him to do things he never thought of. But now it is firing back. I was a mentor, a friend, a girlfriend, a cook, an everything. Where did i go wrong to think that it is love? What do i do? I feel jealous to see him with anyone. Please guide
Ans: His sudden change in behavior—claiming he was never in love—seems like a way to distance himself emotionally because of family pressure. It doesn’t mean you were wrong in your feelings; it shows he might have been conflicted all along.

Seeing him with someone else hurts, and that’s natural. You’ve given so much of yourself, and it’s hard to accept that it wasn’t reciprocated in the way you hoped. Right now, focus on healing and remember that you deserve someone who values you fully. Take the time you need to process this, and know that you didn’t do anything wrong. This is more about his struggles than anything you did.

Moving forward, it's essential to prioritize your own emotional well-being. This situation may require some time to process and heal from, and it's okay to feel sad, angry, or confused during this time. Consider reaching out to a trusted friend, therapist, or counselor who can help you navigate these emotions and start focusing on your own needs and future.

In time, you might come to realize that this relationship, while significant, wasn’t the only path to happiness and fulfillment. You deserve a partner who reciprocates your love, acknowledges your worth, and is willing to build a future with you. For now, give yourself permission to grieve, but also start thinking about how you can rebuild your sense of self and eventually open up to new possibilities in your life.

..Read more

Kanchan

Kanchan Rai  |364 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2024

Asked by Anonymous - Sep 26, 2024Hindi
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Relationship
I love a person, was in relationship with him for 4 years but decided to part ways because of the family but now after 4 years of breakup, I still love him it hurts because he is perfect for me. Reasons my family and his family are not ready to get us married 1. My family is well off financially and he is middle class. 2 We both are of different caste. 3 our living standards are somewhat different. 4 we are a very liberal and modern family but his family is traditional and conservative 5. He has started earning but it's not enough for my dad. 6 he is 10 months younger than me. I am suffering right now and I do not know what should I do I am just lost If we were not destined to be together then why did god let us meet in the first place Its killing me inside and I can not even talk to any body
Ans: I want to acknowledge that what you're feeling—this mix of love, pain, and frustration—is deeply valid. Love doesn't follow logic, and it doesn't just disappear because of practical obstacles. Your question, "If we weren't meant to be together, why did we meet?" speaks to the depth of your emotions and the spiritual confusion you're experiencing. Sometimes, life brings people together to teach us something, or to show us what true love feels like, even if the path ahead is challenging.

The real struggle you're facing is about what you want moving forward. If you still believe that he’s the right person for you, it may be worth having an honest conversation with him about whether he feels the same way. Together, you could explore whether it’s possible to work through these obstacles. You could also talk to your family again, sharing your feelings more openly about why this relationship matters so much to you, and perhaps even addressing some of their concerns directly.

But if you feel like the barriers are insurmountable, and that your families will never accept the relationship, it's also okay to grieve that loss and give yourself permission to move forward. Either way, this decision is deeply personal, and you should honor your feelings.

You deserve love, happiness, and the freedom to make decisions that feel right for your heart. Don’t be afraid to seek support, whether from a close friend, a therapist, or someone you trust, because keeping all of this inside will only intensify your pain.

..Read more

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Moneywize

Moneywize   |165 Answers  |Ask -

Financial Planner - Answered on Oct 06, 2024

Asked by Anonymous - Oct 05, 2024Hindi
Money
I’m from Pune. I’m 48 with two children. Should I invest in ELSS funds to save tax, or should I focus on traditional instruments like PPF and fixed deposits?
Ans: Deciding between Equity Linked Savings Schemes (ELSS) and traditional investment instruments like Public Provident Fund (PPF) and Fixed Deposits (FDs) depends on various factors, including your financial goals, risk tolerance, investment horizon, and tax-saving needs. Here's a comprehensive comparison to help you make an informed decision:

1. Understanding the Investment Options

a. ELSS (Equity Linked Savings Schemes)

• Nature: Equity Mutual Funds with a tax-saving component.
• Lock-In Period: 3 years (shortest among tax-saving instruments under Section 80C).
• Returns: Potentially higher returns as they are invested in equities, but subject to market volatility.
• Tax Benefits: Investments up to ?1.5 lakh per annum are eligible for deduction under Section 80C.
• Liquidity: Relatively higher liquidity post the lock-in period compared to other tax-saving instruments.

b. PPF (Public Provident Fund)

• Nature: Government-backed long-term savings scheme.
• Lock-In Period: 15 years.
• Returns: Moderate and tax-free returns, revised periodically by the government (typically around 7-8% p.a.).
• Tax Benefits: Investments up to ?1.5 lakh per annum qualify for deduction under Section 80C. The interest earned and the maturity amount are tax-free.
• Safety: Very low risk as it's backed by the government.

c. Fixed Deposits (FDs)

• Nature: Fixed-term investment with banks or post offices.
• Lock-In Period: Varies; typically no lock-in for regular FDs, but tax-saving FDs have a 5-year lock-in.
• Returns: Fixed interest rates, generally lower than ELSS but higher than savings accounts. Current rates vary but are around 5-7% p.a. for tax-saving FDs.
• Tax Benefits: Investments up to ?1.5 lakh in tax-saving FDs qualify for deduction under Section 80C.
• Safety: Low risk, especially with reputable banks.

2. Factors to Consider

a. Risk Appetite

• ELSS: Suitable if you are willing to take on market-related risks for potentially higher returns.
• PPF & FDs: Ideal for conservative investors seeking capital protection and guaranteed returns.

b. Investment Horizon

• ELSS: 3-year lock-in period, but generally better for medium to long-term goals.
• PPF: 15-year commitment, suitable for long-term goals like retirement or children's education.
• FDs: Flexible, but tax-saving FDs require a 5-year lock-in, suitable for medium-term goals.

c. Returns

• ELSS: Historically, ELSS funds have outperformed PPF and FDs over the long term, but with higher volatility.
• PPF: Offers stable and tax-free returns, which are beneficial in a low-interest-rate environment.
• FDs: Provide guaranteed returns, useful for capital preservation but may lag behind inflation and equity returns over time.

d. Tax Efficiency

• ELSS: Returns are subject to capital gains tax. Short-term (if held for less than 3 years) gains are taxed as per your income slab, while long-term gains (exceeding ?1 lakh) are taxed at 10%.
• PPF: Completely tax-free returns.
• FDs: Interest earned is taxable as per your income slab, which can reduce the effective returns.

3. Recommendations Based on Your Profile

Given that you are 48 years old with two children, your investment strategy should balance between growth and safety, considering your proximity to retirement and financial responsibilities.

a. Diversified Approach

A balanced portfolio that includes both ELSS and traditional instruments like PPF and FDs can help mitigate risks while aiming for reasonable growth.

• ELSS: Allocate a portion (e.g., 30-40%) to ELSS to benefit from potential equity growth, which can help in wealth accumulation for retirement or funding children's education.
• PPF: Continue contributing to PPF for long-term, stable, and tax-free returns. Given its 15-year tenure, it aligns well with retirement planning.
• FDs: Use FDs for short to medium-term goals or as a part of your emergency fund, ensuring liquidity and capital preservation.

b. Consider Your Tax Bracket

If you are in a higher tax bracket, maximizing tax-saving instruments under Section 80C can provide significant tax relief. ELSS, PPF, and tax-saving FDs all qualify, so diversifying among them can spread risk and optimize tax benefits.

c. Assess Liquidity Needs

Ensure you have sufficient liquidity for unforeseen expenses. While ELSS has a shorter lock-in compared to PPF, both still tie up funds for a few years. Maintain a separate emergency fund in a more liquid form, such as a savings account or liquid mutual funds.

d. Review Your Risk Tolerance

At 48, with retirement possibly 10-20 years away, a moderate risk appetite might be suitable. ELSS can offer growth potential, while PPF and FDs provide stability.

4. Additional Considerations

• Emergency Fund: Ensure you have 6-12 months' worth of expenses saved in a highly liquid form.
• Insurance: Adequate health and life insurance are crucial, especially with dependents.
• Debt Management: If you have any high-interest debt, prioritize paying it off before locking funds in fixed instruments.

5. Consult a Financial Advisor

While the above guidelines provide a general framework, it's advisable to consult with a certified financial planner or advisor. They can offer personalized advice tailored to your specific financial situation, goals, and risk tolerance.

Finally, both ELSS and traditional instruments like PPF and FDs have their unique advantages. A diversified investment strategy that leverages the strengths of each can help you achieve a balanced portfolio, ensuring both growth and security. Given your age and family responsibilities, striking the right balance between risk and safety is essential for long-term financial well-being.

...Read more

Kanchan

Kanchan Rai  |364 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2024

Asked by Anonymous - Aug 11, 2024Hindi
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Relationship
This is urgent. Pls help. My son 18 yrs has been in a relationship with his classmate. He is intelligent and very venerable as he is innocent.She has been abetting him and his behaviour on the family has changed. He shouts at us and kind of surrendered himself to her. Anything we say irritates him. He has started telling lies. He locks the room and is on the phone hours together. Even if he tells that he is sleepy, she doesn't allow him to sleep. He doesn't know that we are aware of it. We tried to indirectly talk but he doesn't care about anything as he blindly follows her instructions. He doesn't listen to anyone. We feel something is wrong. Should we talk to her parents or use some law? Making them sit and advice doesn't work.
Ans: The challenge here is that he’s likely in a highly emotional and intense phase of his life, where his attachment to this person may feel all-consuming. When someone feels like they're being judged or controlled, they tend to push back harder, and it seems that's what’s happening with your son. Approaching him with confrontation or involving legal measures may only cause him to withdraw even more.

What he needs right now, even if he doesn't realize it, is understanding and connection. If you can find a way to express your concern for his well-being, not just your disapproval of his relationship, it might open up a space for dialogue. He may feel trapped in this relationship in ways he can't yet see. Your role can be to help him feel safe enough to reflect on his own choices, rather than feel he has to defend them.

This is a delicate situation, and while it may seem urgent, sometimes a softer approach allows for a deeper breakthrough. Your patience, love, and ability to listen might be the key to guiding him through this

...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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