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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
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Relationship

Love Guru,
First let me tell you to be anonymous while publishing reply on this.
I am having multiple health problems that might lead to early death as well. I don't want to hide this from my life partner.
I'm in love with a girl, whom I can't marry as the law won't allow it under the Sapinda relationship (ed: referring to marriage between cousins within the Hindu community) clause. She too is madly in love with me.
Recently she met a boy, whom she thinks she can marry and settle.
I'm more than happy to hear that as I am not sure with my regularly weakening health condition, I can be with her for life.
I have already asked her to go forward with the marriage proposal.
I don't know if can live without her.
Somehow I'm getting a feeling that I'm running away from my responsibility. Not sure what to do.
Can you please advise?

Ans:

You’re not running away from responsibility, you’re sparing her the responsibility of playing caregiver to you as your health deteriorates and, more importantly, leaving her bereft of a life partner at a young age.

I’m sorry to hear that you have such severe issues but, as difficult as it is for you, I do think this is the right decision if you’re putting her happiness before yours.

The fact that she’s agreed to marry someone else also should also tell you that, inherently, even she is hesitant about your situation.

Moreover, there’s the Sapinda clause, legally speaking, which won’t permit you to marry... you haven’t disclosed just how closely the both of you are related here.

So, all circumstances considered, I think her moving on with someone else is in her best interests.

I wish you health and happiness.

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Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 14, 2023

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Hello,Mam Good day to you I have recently gone through your answers to various queries of several people so thought to ask you something which is pinching my heart daily. I married to a girl in April 2019 as an arranged one.I work on board merchant ships & have to stay away from home for several months(6-7) months & also being Manglik as per my horoscope details hence was finding difficult to get someone agreed for the marriage.However at the age of 32 years,I got married in 2019 without considering & giving much thought as I was frustrated with talking to so many families & denied by most of them due to above stated reasons. After marriage,I found her not been capable to take the responsibilities at home and much interested towards house chores or helping my parents at home.Many things were concealed by their parents & were just being hided.She is not able to cook food for the family,not able to read,write Hindi, English properly.My parents gave her enough support & tried to teach her & learn but even after 4 years of marriage she is unable to take her responsibilities at home.She now also shows some unexpected behaviour like laughing unnecessarily & speaking to herself most of the times while working or sitting at any public place, shop etc which makes me very embarassing. After seeing all this,I took her to the Hospital (Medical College in Lucknow) for check up where the doctors told me that she has Scheophrenia ( mental depression) for which medication will continue for a long time which has a deep rooted shock to me. She stayed twice with her parents 6-7 months in a year when I was at work on board merchant ships. Now again she is staying with her parents as we are unsure if anything goes wrong with her then her family will blame us. I want to give her divorce but don't know how to go for it ? At this age of 36 years will I get someone else or not is what coming in my mind ? Both of us are not talking neither our family members with each other. We don't have any child ,my father is handicapped senior citizen,mother also being old & makes difficult to manage at home. Can she ask for any alimony if I proceed for divorce now ? Please reply Thanks.
Ans: Dear Ravi,
Yes, it has been a very challenging time for you indeed; I can only imagine what you must be going through.
But when Empathy calls, you must realize that your wife is going through a very difficult life too. Living with Schizophrenia is hard for her and for her caregivers as well and the symptoms must be managed lifelong.
But what I don't understand is: Why did her family keep this fact away from you?
This could have been a decision point before the marriage was arranged. It is obvious that their job was to get her married at all costs; even if it meant LYING to you.
Anyway, I am not going to get into what she can and can't do as basic life skills as severe mental ailments can decapacitate the person from easy and obvious usual functions that a human being is expected to perform.

If you have decided on separation. kindly seek the advice of a good lawyer who can check every angle that is fair to you and your wife. And take care of your mental health by not focusing on what could have happened but what can now happen. Kindly proceed on these lines.
Best wishes!

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Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 07, 2023

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Relationship
I am 42 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some compulsion they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot is still waiting for me and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide.
Ans: Dear P,
This is a confused and confusing situation that you are in. Kindly do not confuse yourself any further. She might never be able to step out of her marriage and be with you. So, are you some kind of a 'spare' person? Are you willing to play a secondary role in someone's life when you have the chance to be the primary person in a well-defined relationship?
Being friends and supporting one another is one thing; but being in a relationship that has no structure invariably causes misunderstandings, anger, disappointments and more confusion.
When she is clear that she will stick by her marriage, let this be...why wouldn't you simply be a friend who also wants to create his own life.
It's nice to live in a fantasy world and assume that this kind of an engagement will work; it's far from the truth...You are worried about destroying her disturbed life; do look into what you are doing to your life as well. Chasing behind someone who is married and intends to be in it is like chasing a ghost that will never be seen or heard but will certainly cause anguish in some form to you.
Be wise, at 42, you still can build your life that is not dependent on someone else's emotions and boundaries. You deserve a good life; so create it.

All the best!

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Ravi

Ravi Mittal  |628 Answers  |Ask -

Dating, Relationships Expert - Answered on May 19, 2023

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Relationship
I'm 48 years old never married guy. I once suffered from rare cancer which is cured now. Also hv epilepsy whose treatment will go life long. Doctor says that i should disclose my health issue with whom I'm thinking of getting married but no one takes talks further. I'm infact ready for divorcee or widow too but failed. Some ppl reject me as my salary is mot much, some says that i dont hv my own hm etc but i hv many friens who are getting less salary but are happily married. My whole family if highly educated although I'm also pg but still get rejected. My dad expired n was too worried for my marriage. Now my mother is with me n i dont know what to do. I hv spend approx 35k on matrimonial advertisements but got no success. Im currently in touch with girl for last 1+ year but dont know whether she likes me or not although i hd expressed my feelings to her many times but she never respond n get silent on that. Kindly help whether i should approach this girl or leave her. I like this girl very much. Should i still search for a bride or leave this issue. Kindly help.
Ans: Dear Shashank,

If you have been straightforward about your feelings for this woman and expressed the same and yet she has never reciprocated it even once so far, it might be because she does not feel the same about it. I'd suggest you talk to her about this. Instead of leaving it open-ended, like "I like you," and letting her react to it, be direct. For instance, "I like you. What about you? Do you like me?" Being direct would definitively fetch you some real answers. If she replies to your question, there you go; you have your answer. If she ignores it still, you can safely assume that she doesn't feel the same way as you do. Don't delay this; ask her as soon as possible. Stretching a relationship that ultimately leads to a dead-end will harm your peace and happiness in the longer run.

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

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

Here are some steps you might want to consider:

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

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

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

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

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

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

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Janak

Janak Patel  |63 Answers  |Ask -

MF, PF Expert - Answered on Jul 31, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Money
I am 45yr old and my take home salary is 1.75L. I have 30L investment in mutual fund and 50L investment in stock market. My monthly SIP in MF is 50K. I am also planning to buy a property valued 1CR. I am planning to pay 40% of the amount using my PF withdrawal and rest of the amount I am planning to take bank loan and pay EMI monthly. Kindly advise how can I improve my financial planning.
Ans: Hi,

You are currently invested in Stocks and Mutual funds and you also have your PF. Assuming your MF investment is also more equity based, you have 80L invested towards Equity.
Your PF balance is not mentioned but as maximum limit of withdrawal is 90% for house purchase, I assume you have 50 lakhs or more in PF.
Your Equity to Debt allocation is approx. 60:40 favoring Equity. Even in this allocation, direct stock market investment which is 40% has the maximum risk exposure. MF are managed by professionals and they are risky but relatively less.

For a 1 Cr property, home loan would be 60 lakhs, which amounts to approx. 57K of EMI (depends on interest rate and tenure, assumed 15 years for now). So it may impact your monthly saving capacity to start with.
With 40% withdrawn from PF, your Equity Debt ration would change to 90:10. Thus increasing your risk exposure.
Your PF balance is considerably reduced.

So the first question you should ask yourself is - How much RISK am I willing to take at this time ?
With time, as you approach retirement age, will this RISK level be the same, chances are - no. At that time would you feel more secure with safer investment options. If yes, then PF balance needs to be much higher than what you would probably accumulate over 15 years.

Typically, for your profile (based on age alone), I would recommend you use the direct investments in Stock market to supplement the house purchase plan. You can of course keep some stock investments in good quality companies as a long term investment.
Also evaluate your Mutual Funds to see if they are providing you good returns of above 12%. If you find any scheme that is underperforming, it would be prudent to exit it and use those funds also towards the house purchase.

Beyond the above if you still fall short for the 40% part of house purchase, then you can consider PF withdrawal.
Note PF has a purpose its primarily to provide for retirement. Hence it is prudent to withdraw at the right time and get the benefit of not paying any tax on it. So even at 8% assured returns, its quite attractive considering most other investments will attract tax on withdrawal.

Equity on the other hand has risks associated but also reward those who can stay disciplined with their investments. But it will attract taxes.

So - The question you need to ask is how much Risk to take and what would be preferred asset allocation you can keep without losing sleep for the next 15 years until retirement.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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Nayagam P

Nayagam P P  |9745 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Career
Sir my JEE Mains 2025 percentile is 93.40 and my rank is 98264. I am male of general category from Rajasthan. Please recommend some good colleges that I can get in csab counselling
Ans: Vidit, With a 93.40 percentile (General, Rajasthan Home State) and a JEE Main rank of 98,264, your realistic CSAB counselling targets include lower-demand NITs, IIITs, and GFTIs where closing ranks for engineering branches often extend beyond 90,000. In the Home State quota for Rajasthan, consider NIT Uttarakhand and NIT Meghalaya for branches like Civil, Mechanical, and Electronics. Among IIITs, IIITDM Kurnool, IIIT Sri City, and IIIT Nagpur regularly admit General candidates with ranks up to 100,000 in non-CSE branches. GFTIs such as IIIT Delhi (second-tier seats), School of Planning and Architecture, Bhopal, and IIIT Kota also fill seats in lower-demand streams. Additionally, Rajasthan’s own GFTI, Malaviya National Institute of Technology Jaipur, may open spot rounds for core branches at higher ranks. These institutes meet the five critical benchmarks—AICTE/NBA accreditation, qualified faculty, modern labs and infrastructure, strong industry links, and transparent placement processes—with placement rates ranging 60–85% across engineering programs and median packages reflective of branch demand. Pursuing any of these colleges for branches aligned with your interest (e.g., ECE, IT-Allied, Civil) will ensure a credible technical education and balanced campus experience under the Rajasthan Home State quota.

RECOMMENDATION: In CSAB rounds, prioritize NIT Uttarakhand and NIT Meghalaya for robust campus environments and accredited programs, then target IIITDM Kurnool and IIIT Sri City for specialized IT-Allied branches, followed by GFTIs like SPA Bhopal, ensuring you secure a solid engineering education aligned with your percentile and domicile. Have 2-3 back-ups for Private Engineering Colleges also if CSAB does not work out for you, based on your expectations. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9745 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Career
Hello I'm 35 years old i hv 15months old baby. I have completed my mbbs course from abroad and not clear fmge exam yet. Difficult to focused on preparing for fmge exam handling baby husband and join family. I get frustrated depressed anger comes all the time.ibeck then I was ambitious girl but now lack of confidence lack in everything. So what carrier to choose from now? Can I restart with any course or what to do very confusing. My life is over now. There's no respect those who don't earn. Pl give me good advice so that I can bring better future for my baby
Ans: Many doctors who have completed their MBBS abroad but have not cleared the FMGE (Foreign Medical Graduate Examination) in India face similar dilemmas, especially when balancing family responsibilities, emotional well-being, and career aspirations at a later stage. The FMGE pass rate is low, and the exam can be overwhelming for mothers with young children and household responsibilities, often leading to frustration or self-doubt. However, your medical background is valuable and opens diverse pathways beyond clinical practice in India. Alternate options include enrolling in online or hybrid post-graduate diploma or certificate courses in medical writing, clinical research, pharmacovigilance, public health (MPH), hospital administration (MHA), or health informatics. These courses—offered through institutions like the Public Health Foundation of India (PHFI), Indian Institute of Clinical Research (ICRI), Medvarsity, and Symbiosis—generally require minimal entrance barriers, flexible timings, and often blend self-paced study with project work or internships. Roles in medical content writing, clinical research, health insurance, hospital and healthcare management, medical coding, pharmaceuticals, and telemedicine are accessible to foreign MBBS graduates and in high demand. Careers in public health, NGOs, digital health startups, and medical counseling are also viable, with NGOs and research bodies valuing your education, communication skills, and empathy. Registered health consultants, healthcare IT specialists, nutritionists, wellness program managers, and educators for pre-medical entrance coaching are in demand, and some private hospitals and health-tech companies employ graduates for junior management, documentation, process quality, or outreach roles. Upskilling through shorter, certified programs (3–12 months) either digitally or through nearby centers can build confidence and reignite professional engagement. Look for institutions that provide recognized certifications, industry-accredited faculty, robust academic support, project-based learning, and established placement assistance—essentials for sustainable career progression and personal development.

Building a new career may seem daunting, but your foundational knowledge, life experience, maturity, and resilience are assets that bring credibility and empathy in many healthcare-adjacent and academic roles. If you choose to reskill, your medical education will remain an advantage as you transition into roles that offer both professional fulfillment and a better work-life balance suited for mothers. Take small, actionable steps—start with a focused short-term course or consider part-time/remote roles initially to gain confidence and practical exposure. Positive and self-compassionate thinking, coupled with steady professional upgrades, will influence your family and child, modeling resilience and lifelong learning.

RECOMMENDATION: Prioritize short-term upskilling—such as clinical research, hospital administration, medical writing, or public health—through reputed online or hybrid programs that offer flexible scheduling and strong placement support, allowing you to quickly enter the workforce. Your medical expertise, when combined with targeted training, can unlock impactful roles, restore your confidence, and enhance your family’s well-being while balancing personal responsibilities and securing a respected, independent career path. All the BEST for Your Prosperous Future!

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