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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

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
Anonymus Question by Anonymus on May 30, 2022Hindi
Relationship

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. She knew that I cannot initiate contact from my end, since she only should do whenever she able to do.
Day by day, I am losing interest on my Life. I left the job. Now I’m alone with her thoughts and words spoken by her.
My family n circle knew all this drama what’s going on. They hate me for losing self-respect for a girl.
But I have never seen that girl as a girl. I am addicted to alcohol, day ‘n’ night drinking and surviving.
I knew she won’t come back if I ruin my life like this by drinking ‘n’ all. But I just can’t control myself over her.
The promises which she made me were gone... But still I stand for her, for what I promised. I begged the girl like anything not to leave me alone. I just can’t digest that she won’t be no more for me.
N number of the times I used to tell her that You are my first priority over all in my life, like family, siblings, money, career and what not. Most of the times I told her that I’ll commit suicide for you if I come to know that you are not there for me. It doesn’t mean that I am an emotional fool who does not know how to live or unable to get another girl. But you have such significance in my life.
I elaborated as much as I can. But she never listened me. I am just wonder where was her sweet words ‘n’ promises, what’s the reality now?
I am upset with me -- where was original me and who I am now without self-respect.
My parents ‘n’ siblings are forcing me to give up on her. As per them, she is just a golddigger and cheater without love and trust...
My mind n heart never ever forgets her. Don’t know the future. But many times I pray God to kill me in sleep itself without pain so I can reach Venkateshwara...
Entire world is against that girl, but I am defending her at every passing moment.
Human beings invented many amazing things. 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. 

You may like to see similar questions and answers below

Anu

Anu Krishna  |1410 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Relationship
Hello, I had a very disturbed childhood. My marriage was also in troubled waters with fights happening twice in a week.Then I came across a girl who was 17 years younger than me. I am a model from a reputed college and was earning much better.That girl became die-hard fan. Once I scolded her in the middle of the road for her advanced steps toward me like touching etc.I was very much attached to my kids. Then she became friendly with my 2-3 year old kids.After 2 years of relationship we became physical. I used to send her Rs 3,000-4000/ month for her expenses in her engineering college.She used to hug me, love me (acted like she did). When my father expired, I was low. She was there during all those dark times.Then she got a job and broke up with me. She came back to me after a year. Instead of kicking her out, I got addicted to her and changed myself to keep her happy.I even went to her native town to assist her during super cyclone risking my own life. I spent 3 days there as a refugee because cyclone had devastated the entire city. There was no food and water. She got me food 2 times a day from her home. After 3 days train services resumed.I spent my best time with her and felt like a 17 year old boy in her company and I lived my life.Seven years later she told me that she will not marry me. In between she insisted to get divorce.I applied for a mutual divorce in family court.Then I told her to break up. She refused saying she did not want to face that pain again.She said if she found someone she will say upfront to me.I agreed and wasted another 3 years with her. I was her CA/bodyguard/driver.One day she told me she finalized someone and I went for sudden breakup.We exchanged few e-mails till my ego got hurt.It’s been 3 years now I have not replied to her mail.She kept sending mails till March last year.During this phase I had pain during breathing, high BP and no sleep for 4-5 days.I consulted doctor and took medication for almost for 6 months.I suffered from broken heart syndrome.I am 45 years old now and have no interest in my life.I am just doing my duty.My ego does not permit to see her FB/TWITTER. It’s been two years since I saw her on social media.It appears like everything is fine but I feel hollow from within.I don’t want her back or her smile. Whenever someone talks about love, I smile from within on his stupidity and try to figure out what benefit the girl is getting from him.My issue is hollowness and hopelessness.
Ans:

Dear SB,

Whatever you did in the past with the girl, simply gave you a sense of validation at that point in time. Isn’t it clear that she has moved on?

Simply be thankful to her for the way she stepped in when you were in need. What didn’t happen was not meant to happen!

No point being angry with her for moving on in her life. Try and be happy for her and focus on yourself now.

What do you love doing?

Who are your friends that you love spending time with?

When was the last time you took care of your physical health?

Do you know that spending time in Nature heals your broken heart as well?

All these questions, are for you to have a reality check on how much you have focused on the outside and no focus on yourself.

Answer these questions and start to look after yourself with a lot of self-love and care. You will heal and move ahead very meaningfully.

Be well and all the best!

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

Relationship
Hi Love Guru. Please keep my identity as anonymous as possible.  I have few issues going on in my mind and want your suggestions. First, to get out of block and unblock chain. I met a girl who is my brother’s friend in 2017. We started chatting on FB, then exchanged numbers. We had a rapport till six months. There was a unique attachment between us during that period. Not chatting with her for even one day would make me uneasy. In October 2017, her engagement was fixed. I was normal, knowing that there cannot be much between us except being in contact. One day, at the end of our talk, she said, Love you. I laughed, saying “What nonsense that you always call me with different weird names. Now, after your engagement is fixed, you are telling me this.” Then, she blocked me on WhatsApp and I really felt like I was in a cage. Then, after a few days, she unblocked me. She got engaged but, after a few months, her engagement broke. We then again got in good contact. After few months her marriage got fixed. Now she is married. After her marriage, our contact was very, very less as priorities changed. I proceeded with my studies and job and she carried on with her personal and professional life. Two months back, she called me and said I am bored and feeling irritated with life so I called you to freshen my mind. I was also happy talking to her. I am that kind of introvert person who opens up with few and she was among them. For one or two weeks, we used to talk 30 to 45 minutes daily. Suddenly, she blocked me on WhatsApp. I called her and she behaved like a stranger to me -- like who’s this, I don’t know you, who you are and she ended the call and blocked me. Till date, she has blocked me. I think there are many things she is hiding from me -- from why her first engagement broke to marring another guy who is not of her caste when she is from a conservative family  Post her engagement, there were many times she blocked and unblocked me. She is running in my mind. I want to get rid of her. Please suggest how and what shall I talk to her so I get an end to this. Thank you for bearing to read all this. My second issue is I think I am addicted to pornography. Two to three years back, I used to watch a lot of porn and would prefer MILF porn, ie senior pornstars videos. I think, due to this, I don’t get much attracted to girls of my age. I respect them but I think, because of my addiction, I see females elder to me attractive rather than females of my age. Please help. Suggest how I shall get out of this as this also affects me academically, personally and professionally. Thank you, Anon
Ans:

Dear Anonymous,

I don’t think you really have any serious problems in your life at all; it’s your perceptions that are all wrong.

Let me straighten this out for you, one issue at a time.

First off, you have one weird, unpredictable friend who once told you she loved you and then went and married someone else.

Not once have you stated that you are in love with her or have feelings for her. In fact, when she said she loved you, you brushed it off.

She contacts you when she’s bored and cuts you off when she’s not.

And now, it’s come to the point where you really need to be the one blocking her and not the other way around...

You want to get rid of her? Block her once and for all. And if she still manages to get in touch, tell her politely that you have had enough of this one-sided friendship and not to contact you again.

Second, about what you think is a porn ‘addiction’... An addiction is something that interferes with your normal life, career and relationships. It’s an obsession that consumes you every waking hour.

And, from what you’ve said, I don’t think you’re watching such volumes of pornography every day, are you?

Furthermore, unless you’re into grannies, I don’t think there’s anything wrong with being attracted to women older than you... everyone has a type!

If after everything I’ve said you still fancy you have problems, I’d suggest visiting a therapist. But before spending that kind of money, think long and hard about what I’ve said and decide for yourself whether you think you need it.

 

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
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Money
Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm
Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 28, 2024Hindi
Money
Hello, Sir. I am a 41-year-old male with a 9-year-old son and a housewife. I need advise on how to undertake financial planning because I want to retire early, perhaps at age 48-50. I am currently outside of India and have 2.5 crore in NRE FDs, roughly 60 lakhs in Mutual Funds, 8 lakhs in share market, and 8 lakhs in PF. I have floater health insurance for 15 lakhs. Some LIC's for roughly 5 lakhs. I have one rented flat that pays 12,000 per month and an ancestor property that pays 20,000. In the next 3-6 months, I plan to buy a one-crore flat and return to India permanently in the following few months.I plan to buy a one-crore flat in the next 3-6 months, return to India permanently in the next 1-2 months, and work for an IT company with an annual income of approximately 25-35 lacs. I know I lost the opportunity to invest some money during/after the covid time; else, I would have had a somewhat better portfolio. I need your advice on how to properly invest my FD's money.
Ans: Planning for early retirement requires careful analysis and structured execution. Your current financial situation reflects a strong foundation. Let’s optimise your resources to achieve your goals.

Assessing Current Financial Standing
Your assets are well-distributed across various instruments:

Rs. 2.5 crore in NRE FDs
Rs. 60 lakhs in Mutual Funds
Rs. 8 lakhs in shares
Rs. 8 lakhs in PF
Floater health insurance for Rs. 15 lakhs
Rs. 12,000 rental income from one flat
Rs. 20,000 rental income from ancestral property
LIC policies worth Rs. 5 lakhs
This portfolio indicates a mix of liquidity, growth, and stability.

Setting Clear Retirement Goals
Define retirement income needs based on desired lifestyle. Early retirement at 48-50 means funding 30-40 years of expenses.

Factor in inflation, medical needs, child’s education, and your family’s future financial security.

Challenges to Address
High allocation to fixed deposits (FDs), which have low returns post-tax.
Underutilisation of mutual funds and equity investments.
Managing new property purchase without compromising retirement corpus.
Optimising Your Investments
Fixed Deposits
Move a significant portion of FD funds to growth-oriented investments.
Retain only a portion for emergencies or short-term needs.
Mutual Funds
Increase allocation to diversified mutual funds.
Focus on a mix of large-cap, mid-cap, and flexi-cap funds for growth.
Use regular plans through a Certified Financial Planner for personalised advice and portfolio tracking.
Share Market Investments
Rs. 8 lakhs in shares needs a review. Assess performance and risks.
Shift underperforming or speculative stocks to diversified equity funds.
Provident Fund
PF provides stability. Let it compound till retirement for assured returns.
LIC Policies
Evaluate LIC policies. Surrender low-yield policies and redirect funds to mutual funds.
Ensure sufficient life insurance coverage through term plans.
Managing Real Estate Investments
Your plan to purchase a flat for Rs. 1 crore is prudent. However:

Avoid using FD funds entirely for this purchase.
Opt for a small loan if needed, keeping EMIs manageable.
Leverage rental income from this property to supplement post-retirement income.
Health and Life Insurance
Your Rs. 15 lakh health insurance is adequate for now.
Increase coverage to Rs. 25-30 lakhs upon returning to India.
Secure a term insurance policy with sufficient coverage to protect your family.
Tax Efficiency
Post-return to India, your NRE FDs will lose tax exemptions.

Redirect funds to tax-efficient instruments like equity mutual funds and debt funds.
Long-term capital gains on equity funds are taxed favourably.
Child’s Education and Family’s Security
Allocate a dedicated corpus for your son’s higher education.
A mix of equity and balanced funds will help achieve this goal.
Emergency Fund
Set aside Rs. 15-20 lakhs as a liquid emergency fund.
Use liquid mutual funds or short-term debt funds for easy access.
Regular Monitoring and Review
Review your portfolio every 6-12 months with a Certified Financial Planner.
Adjust allocations based on market trends, personal goals, and economic changes.
Final Insights
Your financial foundation is solid. With strategic changes, you can retire early with confidence.

Diversify investments, optimise tax efficiency, and plan systematically for your goals. Stay disciplined and avoid speculative ventures.

Your foresight in seeking advice ensures a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |188 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 27, 2024

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Career
Hello! Sir This is Sravani.I am a M.Pharmacy postgraduate and has a work experience of 6 years in Quality control department in pharma industry.At present i am working in the same department. But i want to go for work from home job.so that i can spend time with my kids. Both my kids are in kindergarten. It's becoming tough for me to manage both job & kids as my working hours are too long. Please do suggest me any kind of work from home job which suits my profile. Regards Sravani
Ans: Hi Sravanthi,

It's great to hear that you have six years of experience in Quality Control (QC). As you know, QC roles are generally onsite, unlike IT roles that can often be done remotely. Given your expertise in QC, you have the option to transition to Quality Assurance (QA), Regulatory Affairs (RA), or the Validation team, but we need to assess the feasibility of such a shift. While it is uncommon, it is possible to find roles in RA, such as preparing and submitting documents, pharmacovigilance, or medical scribing. However, since these are not your areas of expertise, if you choose to pursue them, you may be considered a fresher in those fields.

You also mentioned that need to work long hours. Even with work from home (WFH), you will likely face similar challenges; once you log in, you cannot skip the tasks assigned to you. Being at home may hinder your ability to care for your children, creating additional difficulties.

If you are financially stable, you might consider quitting your current job to find other opportunities or to take care of your family. If not, you will need to weigh your options carefully.

My recommendation is to prefer onsite work rather than WFH.

On a lighter note, there are many advantages to onsite work that can actually save you money—such as reduced electricity bills, food expenses, and travel costs. Compared to WFH, where you may incur higher electricity costs due to using AC and your computer, along with food expenses for snacks and meals.

Logically speaking, as a working woman, if your maid were asking for a WFH arrangement, how would you respond?

As an additional suggestion, you might consider applying for government jobs as a Junior or Senior Analyst in your state’s Drug Testing Lab within the Drugs Control Department.

Ultimately, I recommend that you continue in your current field and potentially explore opportunities in a different company or industry that offers a higher salary. Alternatively, you could also consider transitioning to QA, but ideally in an onsite position.

All the best.

...Read more

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