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Love Guru

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Relationships Expert - Answered on Jan 13, 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
Anonymous Question by Anonymous on Jan 13, 2022Hindi
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.

 

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Love Guru   |204 Answers  |Ask -

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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. 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... 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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

Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2023

Asked by Anonymous - Apr 14, 2023Hindi
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Relationship
Hi , I am Jose. I have a very complicated relationship issue. I loved a girl when I was about 18, she was from a financially better off family. This was a major reason that I hesitated to tell her about my love, instead remained a friend. She was better qualified too. I started working and wanted to be in a financially better situation before I confessed my love for her. In the meanwhile she got herself admitted in a college in the US, I decided to tell her, but was too late, she had already committed herself to her senior in college. We made a promise to each other that we will remain friends. We kept in touch through letters. Then I decided to get married as per the family wishes. Shortly she too got married to her boyfriend . We told our partners about each other. We continued to keep in touch thro email and phone calls once/twice in a year. We would meet once or twice every time she would visit from the US. We never had any physical relationship at the most it would be a peck on the cheek or just holding hands. We immersed ourselves in our personal / professional lives. We had 2 sons with our partners. Now the boys are in their 20's. In the meanwhile she found out her husband was having a relationship with some other woman, in the ensuing arguments it led to their divorce a couple of years back. Since 2021 I had 2 heart attacks, and survived. All these years I never had a happy life , we stayed together due to societal pressures and in the last 2 years we never had a physical relation too. She always had a hatred towards physical relationship. I hate forcing myself on her, so we have remained seperate in the last few years. After my 2nd attack, my friend helped me stop my smoking and somehow our chats on whatsapp or personal meets when she comes here have started becoming very mushy and with a lots of deeply loving words. I know I cannot divorce my wife as I would lose a lot of my immovable properties on which i depend for my rental income as I have actually gifted my wife a lot of my properties. Nowadays I am getting drawn towards my friend again and very strongly. Confused, and not knowing how to proceed. I am no longer working and depend on rentals for my earnings.
Ans: My dear friend,

It sounds like you're in a very complicated situation, and it's understandable that you feel confused and unsure about how to proceed. It's important to take some time to really think about what you want and what's best for you, as well as consider the impact of your actions on those around you.

First, it's important to acknowledge that your friend is currently in a vulnerable position after going through a divorce. While it's natural to feel drawn towards her, it's important to make sure that any actions you take are respectful and considerate of her feelings and needs.

At the same time, it's also important to consider your own needs and desires. You mentioned feeling unhappy in your current relationship and feeling drawn towards your friend again. It's important to really examine those feelings and think about what it is that you want in your life and your relationships.

However, it's also important to consider the potential consequences of your actions. You mentioned that you cannot divorce your wife without losing a significant amount of your income, and that you've already gifted her a lot of your properties. It's important to consider the financial and emotional impact that divorce could have on both you and your wife, as well as any children or other family members who may be affected.

One possible option could be to explore couples therapy or marriage counseling to see if there are ways to improve your current relationship and address the issues that have been causing unhappiness. It's also important to communicate openly and honestly with your friend about your feelings, but to do so in a way that is respectful and considerate of her feelings and needs as well.

Ultimately, the decision about how to proceed is up to you, but it's important to take the time to really think things through and consider all the potential consequences of your actions.

..Read more

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Dating, Relationships Expert - Answered on Nov 22, 2023

Asked by Anonymous - Nov 21, 2023Hindi
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Hi Ravi, I am currently in relationship of almost 7 years but after the COVID there was some conflict or no contact with my partner just because of a scenario. I always used to order some food for her at his flat. Let me clear one things we were in a long term relationship that time. So I ordered food and she got the order then called me in the night with a different voice tone, I said yes then It felt odd. Then she said someone is here I will call you back. Then she didn't so I called her after 2 hour she rejected and after sometime messaged me on whatsapp that deleted everything our chats and conversation because she caught by his brother (who is 10 years older than her), she told me to not contact her she will call or message only. I got scared I deleted all chats because her brother is so rude and arrogant. After 10 days she called me and said we are not going further with this relationship now on we will not be in touch, I was devastated by listening these things so I tried my best to make her understand that I will talk to your parents or brother but she denied NO and said I will again talk with bro. After these scenario she tried not to contact me and I kept trying to reach out to her via messanger because she has blocked me from everywhere. I cried alot in first 2 month then I started to link all those things that she said and try to find out the matter ( note - she got lot of friends) so I found that she in her flat then I got the tickets and go there to see what is happening I waited for the whole day then in the evening I go upstairs and open the doors, she got scared h and stunned by seeing me and I saw a guy in the flat they having hookah then I said give me my stuff and ask her to talk for the final tine 10 min downstairs. She said not now then didn't came. I took my stuff nd leave the next day I tried to over come this situation nd reaching out to his bro but didn't get connected. She also called me the next day nd her frnd but I was not able to talk. After we got disconnected for sometime. And I am a person who always wanted to know the truth behind the things because I can't live with these traumas in my mind so I tried contacting her asked lot of time why did you do that nd all but kept denying that he is just a friend. After sometime on day she came with sone massages nd saying my mom is not good nd there is nothing going well in my house plss sorry nd all so I took it normally but after sometime we got attracted again little bit then realise that we can try atleast once to be together. I know she loves me but I don't like her priorities she always put his frnds over me. Idk what to do pls tell me the way to cop up with this thing. Also I still have in mind that she has something to tell me about that boy but not telling me.
Ans: Dear Anonymous,

I understand how challenging it must be for you; I get that you are considering giving it another shot, but please be careful. If there is any doubt, anything at all, do address that right now before you are knee-deep in the relationship again. I suggest you tell your partner to first sit and clear out everything that happened before you two broke up and explain how you need a clean slate and for that, you have to know the truth.

If you suspect cheating in the past breakup, be cautious about getting back together and thinking it through. Do you want to patch things up because you love her or is the idea of being together again more comfortable than the idea of having to move on? We go back to the same person, even if it's toxic for us because there's comfort in familiarity, not because it's the best choice. It's time for introspection. Also, don't feel guilty about saying no to getting back together if it's not the right decision for you. Whether it was family issues or infidelity, she chose what seemed best for her at the time, and it's okay for you to do the same.

Best Wishes!

..Read more

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Dating, Relationships Expert - Answered on Dec 01, 2023

Asked by Anonymous - Nov 22, 2023Hindi
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Relationship
Hi, myself is 31 years old guy and I was in relationship with the women (collegue of mine in previous company) who is married and had 1 son and she is 9 years elder then me. Basically I was going through a tough time as I had breakup in 2017 and started drinking and smoking which usually everybody does after a heartbreak. In year 2019 she got to know about my drinking habits and she starting giving her time to me so that I stop all this things. She used to behind me to stop all these things but gradually after a year or so we started developing feelings for each other. We used to talk to a lot like almost we used to share everything and in year 2020 we got into relation and we proposed each other. Everything was fine till 2021. In year 2021 I went for a group picnic where my Ex was also present and my biggest mistake was that I didn't shared this thing with her but she got to know this from one of our common collegue who was also part of the picnic & after that disaster started in our life. She started doubting me that I am still in relation with my Ex but I was not there & continuously I have to prove myself that I don't have any feelings for my ex & I love you only. I was ready to do anything for her even just to surprise her I travel to her city where she went on vacation to her parents house. But unfortunately that was the last time we were together the moment I came to my hometown things started getting worse as she again started doubting me and in anger I just burst on her and after that she stopped talking and bcz of which I went into a depression and due to which I was completely mess was not able to do anything in my life except drinking. Now it has been 2 years that we don't talk except only on some occasion she calls or msg. Still I am having the same feeling for her which I had 3 years back & I need her back in my life. Please suggest me what should I do in this scenario.
Ans: Dear Anonymous,

I am sorry to hear you are facing such challenges in your life. Doubt and jealousy can ruin a relationship and your relationship is proof of that. While you might not have had bad intentions when you did not reveal your ex being present in the gathering with you, it is also understandable that your partner's trust suffered a crack which finally gave away completely. The thing to learn here is that open communication could have saved you all these sufferings. But that's all in the past. Right now you are separated from your partner and I assume she is not interested in getting back together. Your question should not be how to get her back, but rather how can I move on. Your job is not to convince her but to convince yourself that this is for the best. And it truly is; no relationship can survive in the shadows of doubt.

Focus on yourself. Spend time with your friends. Understand that you made a tiny mistake but you tried your best to convince your partner of your loyalty to her; it did not work out but you are not to blame. Some things just don't, and your relationship was one of those things. Forgive yourself if you feel guilty for not disclosing the situation to your partner. You know you were not a cheater and it's no longer your job to convince her of that. Give yourself ample time to grieve the loss and accept that it's lost. Don't keep looking for ways to get back together or you will never move on. It will hurt in the beginning but it will get better soon. Once you feel better, go out and meet people. I am not saying your ex-partner wasn't great but trust me, there are more people out there, who are amazing; they will help you not just heal but also grow.

It's time to let go.

Best Wishes!

..Read more

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |183 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
Career
Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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• University of Buckingham – Master of Medicine
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• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

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Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi
Money
Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.
Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Listen
Relationship
I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.
Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

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Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Listen
Money
Top4 sips with 15k amount suggest me
Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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