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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Nov 29, 2021

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
Anonymous Question by Anonymous on Nov 29, 2021Hindi
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Relationship

I am a 53-year-old male, serving in the Indian defence sector.
I have always had a soft corner towards beautiful ladies.
I have my family -- two grown up sons and a wife.
My wife is not so beautiful enough and so I get attracted by beautiful women who speak with a smile.
In the last four years, I have made friendship with three ladies. Their age group is around 25 to 30.
These ladies are having so many boyfriends, but they don't accept it in front of me. I am wasting my hard-earned money for their happiness, but in return I don't get love or anything.
Out of all three, one girl aged 28 calls me daddy because of her personal vested interest for online shopping.
My financial crunch is getting worse.
I want to get rid of this nonsense, but due to my nature I cannot avoid them. I still have friendship with them.
I know they are not loyal to me.
Please guide me in this regard.
Name withheld on request

Ans:

There's a name for your predicament, pal -- you've become what is commonly known as a 'sugar daddy', an elderly man who lavishes young women with money and gifts and maintains their lifestyle in exchange for a relationship. And, in your case, it's without the side benefits!

There's no fool like an old fool, so I'd suggest you stop wasting your hard-earned money on pretty young things who are fonder of your money than they are of you.

Cut them off and remain faithful to your wife; these dalliances on the side are doing nothing but buying you some time with a pretty face -- at prices that you can't afford.

The word is ‘No’ -- learn how to use it!

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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

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Hello Sir or Madam. Please keep me as anonymous only. Let me tell my story. I am 29 now. Work for an MNC for the past six years. From middle class family with big circle. Before going to speak out on my problem, let me tell my nature, how I was brought up, studies and attitude. Since we are middle class family with no financial crisis, I never seen ups and downs in Life accordingly. In the case of studies, I was topper at all levels of education till MBA from reputed institute. I was like love is trash n waste of time. When I used to hear all love stories, I used to feel pity on them. But I did maintain very good relationship with many, many girls (not GF type). But now I am going through the hell just because of one girl whom I was forcibly loved her and later I addicted to her with true love. During COVID I had to go WFH for two years. She visited her granny’s house and stayed back for few weeks. They live in Bangalore. I have never seen her face or noticed her during the time when she stayed. But she noticed, observed and enquired about me. So once she left to Bangalore, she sent FB request and I accepted. Immediately we have exchanged numbers and started texting ‘n’ talking. Initially I rejected her since she is eight years junior to me. Later she emotionally told once as she lost her father very recently and she just don’t want to go into depression again if I reject her. I got convinced and started loving truly. I replaced her father in her life which she used to tell. One day, she got caught by her brother while she was on call with me. Since we belong to different castes, they rejected me. She got house arrested. There was no connection between us. First time in life I fell into depression. I lost my job after just three weeks when she got separated from me. I was unable to speak anyone in the world. My family ‘n’ circle was afraid as I may do harm to myself for her. On December 16, 2021, I tried to commit suicide by writing a letter in laptop to her telling how I was missing her ‘n’ needed her. Took print and left to railway track to die. I took alcohol and was on the track. Someone rescued me and took me to hometown from Bangalore with PAN card address which was in my purse. Every day I was losing hope on my life. Finally I got call from her number in the first week of Jan. I was happy and cried like anything with her on call. She told that she would never leave me alone whatever happens ‘n’ who ever tries to separate us. Again, I took my energy ‘n’ hopes back and started job searching. There was 1 month gap again until Feb 8, 2022. After that she used to call me whenever it is possible. From March 15 to March 31, she kept fighting with me over call and spoken mercilessly. There was no kindness or love or concern on me. Again, I lost hope on my life. She kept asking me to stay away from her. 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My wish is we should be available with tablets or injection which can erase memories which belongs to particular person or for particular time in life... The real enemy to the human beings is LOVE.... Finally I am just waiting for my death... I knew that she won’t realise even if I die also. But I should sleep forever and ever just because for the crime I did love her.... Dear Bujji, it’s for you. I am also a human being as like U. As like your mother, even my mother has given birth to me. Finally, no words.... I am alone... Memories are hunting me.... chasing me... Love Guru, please publish this story as it is. Because someone may going through hell with similar story at least they will read the Q&A as well. Love Guru... I hate me... I do have all with me -- good health, 21 LPA job now, stabilised family and friends ‘n’ family circle... But this bloody struggling to get her love amongst the 7 billion people on this Earth... Love Guru, I feel that I lost. I am feeling low... I got cheated by her... Finally I am nothing to her. Dear readers, don’t think that why this fool is suffering for a girl like this.... I have seen her my GODDESS... Thank you... Have a nice day…
Ans:

You’ve needlessly wound yourself up over a silly girl.

You don’t even sound like you’ve had a physical relationship, it was only long distance, so what are you getting so out of joint for? A few intimate conversations with someone who said one thing but meant another?

If things in your life are spiralling so much out of control, I’d suggest therapy.

Stop drinking before it becomes a real problem. It sounds like you’re doing this to yourself deliberately, so that you receive some attention from her.

But the more you do this, the worse the situation will get. And no woman wants an out-of-control, desperate, alcoholic lover!

For heavens’ sake, man, get a hold of yourself and, if you can’t, then get the professional help you need. 

..Read more

Anu

Anu Krishna  |1410 Answers  |Ask -

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

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Relationship
Hello Anu, Hope you are doing well. PLEASE HELP ME. I have never had a girlfriend.I am a 31 yr old guy with so many things that changed me so badly and I am just aggressive than before. Today I am writing you this as I am in a complete anxiety situation that I don't know where to start from. I don't know how safe it is to share here but I wish to still share with you.So this scamdemic ruined it all.A girl entered my life and now acts like female Devdas.Sometimes she says I'm just a friend. Sometimes she craves to meet me.First let me tell you my personal life issue.I got married in 2016 but it didn't last more than year. I got married in January and in April 2017 my life changed. It was an arranged marriage. The girl was new and I was happy. In April, she left me with her parents and in October she got married. Later, I found out that she married her past love. But they blamed me and I went into depression for almost 6 months. Today after almost after 5 years I am in the same scenario. The girl I am getting married to is arranged through relatives. She is nice, simple and down to earth but still there is this anxiety.My first marriage was also arranged through relatives so I am having the same anxiety. I faced several rejections for no reason. I don’t drink or smoke and wanted to go for love marriage but in my case it never worked.Before meeting this girl whom I am about to marry I was in touch with another girl who was not ready for marriage. Now suddenly she is acting like a female Devdas. When I asked her out, she took me for granted and now suddenly she is feeling broken so I am in a fix. I don't know if this second arranged marriage attempt will go down well. My engagement will be on the same date as of marriage so I don't know what to do.Please help me come out of this dilemma as I am having so much guilt and pain deep inside.
Ans:

Dear AB,

Any obsession to make it something happen is going to only make you run around in circles.

Is it possible for you take a step back and take a breather?

When we don’t chase things or people, they come to us.

Focus on your second marriage that’s about to happen instead of focusing on the girl who seems to be acting like a ‘devdas’.

But are you in a position to mentally and emotionally to get into a commitment like marriage?

The new girl will come into your life with a whole new set of expectations.

What I understand from what you have shared is that you want the second marriage to happen differently from the first one.

Then why are you making a reference of the girl who is acting like she has been wronged by you?

Are you ready for the marriage?

Please get into it only when you are sure that you can move past your experiences with the earlier partner/s. Else you will be projecting your emotions onto the new partner and get into a loop of doubts all over again.

Be wise; all the best!

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Dr Shakeeb Ahmed

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I AM HAVING UMBLICAL HERNEA PROBLEM.DOCOTR SUGGESTED ME TO BRING DOWN MY WEIGHT AND REDUCE FATTY BELLY BEFORE SURGERY.HE SUGGESTED ME TO WAIT FOR SURGERY TILL MY WEIGHT COMES DOWN FROM 92 KGS TO A REASONABLE LEVEL.PLEASE SUGGST ME WHAT EXERCISES i CAN DO TO ELIMINATE THE FAR BELLY WITHOUT DETERIORATING MY UMBLICAL HERNEA PROBLEM.PLEASE SUGGEST ME EXERCISES TO BRING DOWN MY BELLY. THANKS AND REGARDS. NVRSRINIVAS
Ans: Dear Mr. Srinivas,

Thank you for your query. Weight reduction is a gradual process that requires consistent effort and a balanced approach. It is advisable to consult a physiotherapist and a nutritionist to guide you through this journey. Focus on a high-protein, low-carbohydrate diet to support weight loss while maintaining muscle mass. Ensure your meals are nutritious and create a calorie deficit.

For exercise, start with low-impact aerobic activities such as walking, cycling, or swimming, as these can burn calories without putting pressure on your hernia. Incorporate gentle core-strengthening exercises like pelvic tilts and side planks to build core stability without straining the affected area. If suitable, include short bursts of high-intensity workouts or moderate-intensity, long-duration activities such as brisk walking or light jogging to enhance endurance and fat loss. Additionally, light resistance training can help maintain muscle mass, but avoid exercises that strain your abdominal muscles or involve heavy lifting.

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Ramalingam

Ramalingam Kalirajan  |7363 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 27, 2024

Asked by Anonymous - Oct 22, 2024Hindi
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Money
I have lost money around 8 lakhs in gambling now i want to restart my life fresh i need to settle my debts and loan with bank and NBFCs is it possible to settle money at 70 percent waived off
Ans: Restarting your life after financial setbacks is possible with a disciplined approach. Settling your debts with banks and NBFCs requires a strategic plan, negotiation, and commitment. Here's a 360-degree approach to help you resolve your situation:

Assess Your Current Financial Position
List All Debts: Create a detailed list of all outstanding loans and debts, including principal, interest, and penalties.

Identify Income Sources: Calculate your monthly income and any other sources of funds.

Evaluate Essential Expenses: Identify non-negotiable expenses such as rent, food, utilities, and transport.

Determine Negotiable Debts: Focus on debts with higher interest rates or legal implications.

Negotiating with Lenders
Possibility of Settling at 70% Waiver
Banks and NBFCs Are Open to Negotiation: They prefer recovering some amount rather than declaring a loan as non-performing.

Settlement Terms Vary: Each lender may have unique policies. Some might agree to 70% waiver, but others may not.

Present Your Case Transparently: Show proof of your financial hardship. Explain your inability to pay in full.

Request a One-Time Settlement (OTS): Offer to pay a lump sum of the waived-off amount to close the debt.

Steps to Negotiate Effectively
Reach Out to the Right Department: Contact the collections or recovery department of your lender.

Seek Professional Help: A certified financial planner or debt resolution expert can negotiate on your behalf.

Prepare a Settlement Plan: Propose a realistic amount you can pay. Mention the sources for this payment.

Ask for Written Confirmation: Ensure the lender provides a formal agreement on the waived-off amount.

Negotiate for Reduced Interest and Penalties: Request removal of penalties and reduction of interest rates.

Managing Your Financial Obligations
Repayment Strategy
Prioritise High-Interest Loans: Focus on clearing loans with higher interest rates first.

Consolidate Debts: Consider consolidating multiple loans into one with a lower interest rate.

Use Liquid Assets Wisely: If you have savings or assets, use them to reduce your debt burden.

Building a Fresh Financial Foundation
Avoid Gambling and High-Risk Activities
Adopt Healthy Habits: Seek professional help if gambling is an addiction. Join support groups like Gamblers Anonymous.

Focus on Financial Literacy: Learn to manage your money effectively through courses or books.

Create a Budget and Emergency Fund
Track Income and Expenses: Use apps or spreadsheets to monitor your financial activity.

Save for Emergencies: Set aside 3–6 months of expenses as a safety net.

Restart Investments Gradually
Start with SIPs: Begin investing small amounts in mutual funds. Avoid direct stock trading initially.

Build a Retirement Corpus: Plan for long-term financial security systematically.

Final Insights
Rebuilding your life after a financial setback takes effort but is achievable. Focus on negotiating your debts transparently and settling them systematically. Learn from past mistakes and adopt disciplined financial habits. Restart your journey with renewed confidence and a commitment to avoid risky behaviours. Seek professional guidance when needed to make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Milind Vadjikar  |806 Answers  |Ask -

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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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