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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Oct 20, 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 Oct 20, 2021Hindi
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Relationship

Dear Love Guru,
What’s the cure for a broken heart?
It’s been two years and though the mind wants to, the heart’s not moving on.
Name withheld on request

Ans:

The cure for a broken heart is mainly to stop dwelling in the past and live for the present.

Two years is long enough! Time to get your feet wet in the dating pool… meeting someone new and interesting is the quickest way to get over an old flame, so get out there and start living your life instead of throwing yourself a pity party over what was not meant to be.

Good luck!

You may like to see similar questions and answers below

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Hi I am 23 years old and had a first relationship with 4 years younger boy. Everything between us was picture perfect. He was everything I ever dreamt of, but after 1 year our relationship turned toxic.He's acting like he wasn’t aware that ups and downs come but we should stick to each other. He asked to break up twice and we again came together but now it’s been months we aren’t together anymore. I’m emotionally attached to him but tired of bearing this pain and constantly fearing he will leave me when conditions aren’t favourable. But after break up he still wants to be friends. I even agreed that. Even in friendship he's talking and roaming as per only his convenience. Guide me how to come out of pain as I’m pursuing one of the renowned career course and also this also is affecting my mental health.
Ans:

Dear D,

Emotional maturity is what is in question here. He still is at an age where commitment is not something he is aware of.

It’s like try this relationship, if it doesn’t work, try another one and so on….

Give him time to settle his emotions till he is ready for a committed relationship; which does not mean, you wait around for ever.

Now that you are ‘friends’ or not, please surround yourself with people your age and if an interesting person comes along, see where that goes.

As far as being attached to him goes, do you really want to continue to inflict pain on yourself by basing your entire emotional world with him?

The world is huge and so are your sights…. Focus on yourself and what you love and be in that space to find yourself again.

Be kind to yourself, all the best! 

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

Relationship
Dear Mam I am 22 years old and today I want to share my story of heart break and I really want to know what I can I do better to make myself happy. I started dating this a guy in 2017 and I was madly in love with him. Everything for me was about him. Since I was living in a hostel I used to feel alone sometimes. Initially our relationship was normal. Then one day I went for a trip with him and we got physical for the first time. Somehow, I got attached to him more after that. I started calling him to my hostel to spend time with me. Meanwhile I faced some personal problems in my life. Those days were really bad and I used to suffer a lot. He was there for me always. He never made me feel alone in the city. I used to go to my family every year and then lockdown happened. I was stuck in my hometown. I had a fight with him and I just cut the call. From that day onwards his behaviour towards me changed.The very next day he went out with another girl and posted pictures. I was hurt. I didn't know what to say, I was in self-doubt mode but his behaviour started changing towards me.In the beginning, he said when you will come back I cannot come and stay with you. I agreed to it. Then he said I cannot meet you every weekend cause I want to make other plans as well. Slowly I understood that he wants me to stay away from his life. He went for a party with the girl late in the night and that triggered me very badly. I fought with him. I guess that was the moment he was waiting for. He said that he doesn't want me anymore and broke up. I kept begging him not to leave me but it seemed like he was dying to leave me. I was completely shattered. On 15th January he left me. Even after leaving he continued texting me. I was trying my best to control my feelings and I tried giving him the space he deserved. Still he kept texting me. He was not able to stay away from me. My vacation got over and it was my time to go back. This was the most difficult part coz this time I knew that he won't be there for me, and I have to survive alone. Once while coming back from my home town to my work town I texted him. He said that he is with the girl and he is drunk. I couldn’t sleep that night. I was shivering. I was broken. When I entered the city I was shivering cause I was not ready for the consequences. I didn't meet him because he went for a trip with that girl and got physical with her. He always maintained that it’s only after he left me that he got involved with someone else. He wanted me to be a part of his life somehow so he kept calling and texting me. Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays. I really didn't understand what was he up to. Meanwhile I went through her profile and came to know that she’s a little suspicious. One day I got the opportunity to tell him about it. He said come and meet me. He was drunk and we got physical. That time I checked his phone and saw the messages he’d shared with her. I was broken again but this time I texted her through his phone to please take care of him. That girl got angry and made things worse. Instead of making sure that he is alright she locked horns with him. He blamed me for losing her. I told him that my existence in your life is not good. Let's just not talk to each other. Next day he again texted me requesting to meet. In the evening when I went to meet him he was a completely changed person. He treated me very well, gave me his phone and made me feel special. Somehow he came back to me and started giving me the importance I was craving for. Today he is with me and pampers me. He has stopped doing certain things which he used to do but I get the importance.Despite all this, I am a bit insecure and scared because of what I have gone through in the past. Can you please tell me what to do?
Ans:

Dear SR,

Read this sentence that you have written:

“Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays.”

Do you not feel used and powerless?

How are you able to allow someone to treat you in such a disrespectful manner?

Did the two of decide to become friends and support one another in your respective relationships, like the way you stood by and watched him date this other girl while he walked into your life seeking approval?

Open your eyes please. The other girl is no longer in his life and he wails and comes back to you and now you are wondering what you should be doing?

If this was your sister or a best friend going through the same thing, will you tell them to put up with this toxic behaviour or will you ask them to take charge of their lives?

Will you tell them to love themselves more and reclaim their power or wait meekly to pick up scraps as and when the guy threw them around?

Stand up for yourself girl; at least he will think before trying this game with another girl.

Do the right thing by just being YOU and loving yourself more.

All the best!

..Read more

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Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

...Read more

Moneywize

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Financial Planner - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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I want to invest a corpus of Rs 7 lakh for my granddaughter's education. She is 7 now. I will need this money after 10-12 years. How shall I invest this money to get Rs 25 lakh by 2036. I am 60 now. I have already made provisions for my retirement corpus and am not worried about it. I want to fund my granddaughter's education. How shall I go about it?
Ans: Investing for your granddaughter's education is a thoughtful decision. Given your time horison of 10-12 years and your goal of accumulating Rs 25 lakh (Rs 2.5 million), you'll need to consider several factors such as risk tolerance, expected returns, and investment options. Here's a suggested approach:

• Determine Risk Tolerance: Since you have a long-term goal, you might be able to afford more risk in your investments. However, given that this money is earmarked for your granddaughter's education, you may want to strike a balance between risk and return.
• Asset Allocation: Consider a diversified portfolio comprising of equity, debt, and possibly some alternative investments. A mix of assets can help manage risk and potentially achieve higher returns.
• Equity Investments: Given your time horizon, equities can play a significant role in generating returns. You may consider investing a portion of your corpus (around 60-70%) in equity mutual funds or stocks. Since equities can be volatile in the short term, they tend to offer higher returns over the long term.
• Debt Investments: To provide stability to your portfolio, allocate a portion (around 30-40%) to debt instruments such as fixed deposits, debt mutual funds, or PPF (Public Provident Fund). These investments offer lower but more predictable returns compared to equities.
• Systematic Investment Plan (SIP): Consider investing in equity mutual funds through SIPs. SIPs allow you to invest small amounts regularly, averaging out the purchase cost and reducing the impact of market volatility.
• Review and Rebalance: Periodically review your portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance the portfolio if necessary by adjusting the asset allocation.
• Consider Tax Implications: Be mindful of the tax implications of your investments. Equity investments held for more than one year qualify for long-term capital gains tax, whereas debt investments may attract tax based on your income tax slab.
• Emergency Fund: Ensure you have an adequate emergency fund set aside separately from your granddaughter's education corpus to cover any unexpected expenses.
• Seek Professional Advice: If you're unsure about investing, consider consulting with a financial advisor who can help tailor an investment strategy based on your specific circumstances and goals.

By following these steps and staying disciplined with your investment strategy, you can work towards accumulating the desired amount for your granddaughter's education by 2036.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
100 crores , 10 years mai kaise kamaye.
Ans: Earning 100 crores in 10 years is an ambitious goal that would require careful planning, strategic investments, and potentially taking on significant risk. Here are some avenues you could consider:

Entrepreneurship: Starting and scaling a successful business can generate substantial wealth over time. Identify a lucrative market opportunity, develop a robust business plan, and execute it with determination and perseverance.
Stock Market: Investing in high-growth stocks or equity mutual funds with a long-term horizon can potentially yield significant returns. However, this approach comes with risks and requires thorough research and diversification.
Real Estate: Investing in real estate properties in rapidly growing markets or commercial ventures can offer substantial returns over a decade. However, this avenue requires substantial initial capital and entails risks associated with market fluctuations.
Alternative Investments: Explore opportunities in alternative asset classes such as private equity, venture capital, or cryptocurrency. These investments often carry higher risk but can yield substantial returns if successful.
Diversification: Consider diversifying your investments across multiple asset classes to spread risk and maximize potential returns.
Achieving such a lofty financial goal necessitates careful consideration of risk, market conditions, and personal circumstances. Consulting with financial experts or Certified Financial Planners can provide valuable insights and guidance tailored to your specific situation and goals.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
I am 68year old Pensioner. Last month I sold my house property and earned around Rs50lacs. I w am planning to gift the entire amount to my son in order to get tax exemption. My son is planning to utilise the amount to repay part of his housing loan from HDFC, probably during September 2025 . Now (1)Does he has to pay IT for this amount as he will be spending only in laterhalf of 2025? (2) Instead, if I invest this amount in LTCG or NHAI funds, do I have to pay any tax for this total amount this year?
Ans: Your decision to gift the proceeds from selling your house to your son reflects a heartfelt gesture of support and love. As you navigate the tax implications, it's essential to consider the timing and nature of the transaction.

Regarding your first question, your son won't be liable to pay income tax on the gifted amount until he utilizes it, typically in September 2025. This postpones the tax liability until the funds are actually put to use.

Exploring alternative options, such as investing in Long Term Capital Gains (LTCG) or NHAI funds, could potentially offer tax benefits. However, it's crucial to assess the tax implications and investment suitability carefully. While these avenues may provide tax advantages, it's essential to evaluate their risk-return profile and alignment with your financial goals.

Consulting a Certified Financial Planner can provide clarity on the tax implications and help you make informed decisions aligned with your financial objectives. Remember, every financial choice carries its own set of considerations, and seeking professional guidance can illuminate the path towards wise financial stewardship.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 25, 2024Hindi
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Money
Dear, Myself ANANTHA KRISHNAN. Ive been regularly investing in SIP since 2014. How can I find out what is the current value of this(these) SIPs?
Ans: It's great to hear about your disciplined approach to investing through SIPs. To find out the current value of your SIP investments, you have a few options:

Fund House Website: Most mutual fund houses provide online portals where investors can log in and view their investment details, including current portfolio value. You can register on the website of the mutual fund houses where you have invested and access your account to check the current value of your SIPs.
CAMS/Karvy Website: CAMS (Computer Age Management Services) and Karvy are registrar and transfer agents for mutual funds in India. They offer online portals where investors can track their mutual fund investments across different fund houses. You can register on the CAMS or Karvy website and access your consolidated portfolio to check the current value of your SIPs.
Mutual Fund Apps: Many mutual fund houses have their mobile apps, which allow investors to track their investments on the go. You can download the mobile app of the mutual fund houses where you have invested and log in to check the current value of your SIPs.
Financial Advisor: If you have a financial advisor or a Certified Financial Planner, you can reach out to them for assistance. They can help you track the performance of your SIP investments and provide insights on your current portfolio value.
By leveraging these resources, you can easily find out the current value of your SIP investments and track their performance over time. It's essential to review your investments periodically to ensure they remain aligned with your financial goals and risk tolerance.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 19, 2024Hindi
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Money
I am planning to invest 50k/ month as Sip, for 20+ year investing horizon, Can u please suggest me funds in mf.. Goal: wealth creation
Ans: For long-term wealth creation through SIPs, it's essential to select mutual funds with a proven track record of delivering consistent returns and managing risk effectively. Here are some categories of mutual funds that you may consider:

Large Cap Equity Funds: These funds invest in large, well-established companies with stable growth prospects. They offer relatively lower risk and can provide steady returns over the long term.
Multi Cap Equity Funds: These funds have the flexibility to invest across companies of various market capitalizations, providing diversification and potential for higher returns.
Mid Cap and Small Cap Equity Funds: These funds focus on mid-sized and small-sized companies with high growth potential. While they carry higher risk, they also offer the possibility of generating substantial returns over the long term.
Equity Index Funds: These funds aim to replicate the performance of a specific stock market index, such as the Nifty 50 or Sensex. They offer low expense ratios and can be suitable for investors seeking market returns with minimal active management.
When selecting specific mutual funds within these categories, consider factors such as the fund's historical performance, expense ratio, fund manager's track record, and investment philosophy.

It's essential to diversify your SIP investments across multiple funds to spread risk and maximize potential returns. Additionally, regularly review your portfolio and make adjustments as needed to ensure it remains aligned with your financial goals and risk tolerance.

Before making any investment decisions, I recommend consulting with a Certified Financial Planner who can provide personalized advice tailored to your unique financial situation and goals.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Dear Sir, I purchased a shop in October 2022 . I paid the required amount as declared in registeration papers ( stamp duty, registeration , sale deed etc. ) However, the builder addiotnally asked for Rs. 57,000/- towards GST to be paid in cash. At the time of registeration I paid only Rs. 50,000/- in cash. Thats why the builder didint issue any GST invoice. When I paid the balance Rs. 7,000/-, the builder issued a hand written letter certifying that Rs. 7,000/- only have been received towards GST ( and not Rs. 57,000/- which I actually paid). He didi not even mentioned his GST number in that letter. There is no GST invoice from any government deptt. My questions is, whether the builder can issue a hand written GST invoice without mentioning his GHST number ??. As far as I know, all GST amounts are are paid to the Givernment and not any any individual.
Ans: It's concerning that the builder issued a handwritten letter for GST payment without providing an official GST invoice or mentioning their GST number. According to GST regulations, all transactions involving GST must be accompanied by a valid GST invoice issued by the registered supplier, containing their GST number.

In this case, the absence of a proper GST invoice raises questions about the legitimacy of the transaction and whether the GST amount was appropriately accounted for and remitted to the government. Handwritten letters without proper documentation may not suffice as valid proof of GST payment.

To address this issue, I recommend seeking clarification from the builder regarding the absence of a formal GST invoice and their GST registration details. If the builder is registered under GST, they should be able to provide a proper GST invoice with their GST number for the amount paid. If they fail to do so or provide insufficient documentation, it may be prudent to consult with a legal advisor or tax expert to explore further steps to ensure compliance with GST regulations and protect your interests.

...Read more

Ramalingam

Ramalingam Kalirajan  |1312 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 10, 2024Hindi
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Money
Hi Sir, I am planning to buy crypto tokens in FY 2023-24. As per the tax law, I have to pay 1% TDS which will be debited by the crypto exchange. when I sell my crypto tokens in any of the subsequent financial years, I will have to pay 30% tax on the profit (plus surcharge). I wanted to know how will this 1 % surcharge be adjusted when I sell my cryptos in coming years? Or will I have to pay 1% this financial year and additional 30% taxes (plus surcharge) when I sell my cryptos. Kindly clarify the matter. I look forward to your response.
Ans: Your inquiry reflects a responsible approach to understanding the tax implications of investing in cryptocurrencies. The 1% TDS (Tax Deducted at Source) levied by the crypto exchange is an advance tax payment, akin to a prepayment of your tax liability on the profit from cryptocurrency transactions.

When you sell your crypto tokens in subsequent financial years, the 1% TDS already deducted will be adjusted against your final tax liability. Therefore, you won't have to pay the 1% TDS again when you sell your cryptos.

However, it's important to note that the profit from cryptocurrency transactions will be subject to a 30% tax (plus surcharge) when you sell them in the future. This tax will be calculated on the gains made from your crypto investments, after deducting any allowable expenses or losses.

To ensure compliance with tax regulations and maximize your tax efficiency, consider consulting with a tax advisor or a Certified Financial Planner. They can provide personalized guidance based on your financial circumstances and help you navigate the complexities of cryptocurrency taxation.

...Read more

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