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Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 05, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Vidhan Question by Vidhan on Oct 18, 2025Hindi
Relationship

Dear Ma'am, I have been married for 10 years and have a 4-year-old son, with another child expected soon. About six years ago, I was working with an organization where I became acquainted with a female colleague during our daily commute. Our interactions were initially professional, occasionally casual, and over time, we developed a friendly rapport. There were moments of physical closeness, such as holding hands, although she was unaware of my marital status at the time. After I left that organization, our communication became infrequent. During the COVID-19 pandemic, she experienced a medical emergency in her family, and it was during that emotionally vulnerable period that I unintentionally expressed my feelings for her. She is now nearly 40 years old and dealing with multiple health issues, including being overweight and other medical complications. Although she knows that I care about her, she has not accepted my proposal, fully aware that I am married and unable to commit to a marital relationship with her. Despite this understanding, she often invites me out for movies, dinners, and expects gifts. Recently, our interactions have involved romantic gestures such as hugging and neck kisses. However, she continues to describe herself as asexual and uninterested in a physical relationship, while also expressing a desire to get married — which appears contradictory. She often says she wants to remain friends and doesn’t want me to leave her, but at the same time, her expectations and emotional dependency are becoming increasingly difficult to manage. I want to let her know that I’m looking for more than just a friendship because I feel emotionally vulnerable and need her commitment to feel secure. I believe that building a romantic and physical relationship between us could help her feel more supported. She’s going through a lot and doesn’t have much family support aside from her unmarried younger brother.

Ans: Dear Vidhan,
You still are married and then you seem to want another lady to commit to you despite her knowing that you are married.
Clean up your mind first...why would anyone want to commit to a married man? What security will she ever feel with you and around you?
Also, have you come clean to your wife about this...surely, she deserves to know, don't you think?
You feel that building a romantic relationship could her her feel more supported; did she ask you for that support at the cost of you losing your marriage?
Reevaluate your life and the choices that you are making...to me, it seems that you are getting into a mess that's going to take a while for you to get out of!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 30, 2024Hindi
Listen
Relationship
To start with I am in my early sixties . We have a large WhatsApp group of undergraduate college batchmates where sometimes news about batchmates / their families get posted . A married lady batchmate, located in one of the metro cities reached out to me over phone to offer her condolences / sympathies for loss of a family member that I had suffered . While I didn't personally know the lady , found the gesture empathetic & touching . So when the next physical batch meet took place I sought her out to thank her and we chatted for some time too ! Subsequently , we started being in touch , she mentioned that she found my gesture ( asking her to sit besides me to chat up very affectionate ) both through chat and calls and started sharing about each other , even personal matters . And now it seems that the relationship is moving in to a clear zone of intimacy ! And we talk pretty affectionately and frequently these days and it seems we make a good chatting pair . She is pretty attached to her grown up children and probably with a non intimate, dysfunctional, unsatisfactory marriage dragging on . She says her relationship in her marriage has totally failed right from beginning but she has not been able to do anything about that so far . It seems that the children are with the mother ! I find her balanced, affectionate and would like understand if something akin to a long term relationship /companionship would be possible . So have asked her to share about me, about our mutual feelings to her kids . Have also sounded her that if her husband gets to know about this relationship - it might lead to a family issue including formal break up of her marriage. And I am truly concerned about that . But she is very wishy wishy in her ideas about possible course of action , way forward .And I don't want her to get hurt or disappointed nor I want to be placed in a emotional drag. My questions are 1. Can this relationship go anywhere ? And if yes , what is the minimum expected from her ? 2. Can we be just be chatting friends ? Doesn't seem so as we talk & share as if we are a couple ? 3. What should we both do to avoid any possible emotional trauma to each of us ? (A still active and adorable senior citizen without strings and without a care in the world )
Ans: Dear Anonymous,

I am glad you found a genuine companion. I understand that you both care a great deal about each other and that is rare in today's day and age. Now coming to your questions-

1) It most definitely can. But that depends on the course of action your partner is willing to take. I assume that neither one of you would like to formally tag it as a relationship till she is married to another man, no matter how the marriage is. So, in that case, your partner must have a clear discussion about the same with her husband and you can proceed from there. But going ahead and having a romantic relationship while she is married to someone else would not be ethical and even when she has every right to seek happiness in her life, it would be her who faces all the societal judgment.

2) You can be two friends chatting with each other. Friends do share a lot, even personal matters. Having said that, it did not sound to me that you are in that platonic friend zone anymore. You have grown to like each other a little more and given the circumstances, it is perfectly alright. But to be more than friends, it is important for your partner to first speak to her current husband and consider separating. But at the end of the day, it is her decision. If she doesn't want to formally end it, you would have two options. One, love each other in secret and never have the chance to show off your love to the world. Two, break it off and either try to remain friends or sever ties altogether.

3) Don't have unrealistic expectations. We are all guilty of it time and again. In this case, even though her marriage isn't perfect- you know and she knows it too- it isn't easy to let go of a relationship people spend years to build. Take things slow and let her make her own decisions. If you expect she will leave her marriage for you, you are setting yourself up for disappointment. It might happen, but then again, it might not. Focus on being each other's companion. You can't help how you feel, but that does not mean you have to act on it right now.

One more thing- if you can see yourself getting hurt, I would suggest reconsidering the relationship. Every relationship has in its capacity to cause emotional trauma. That's the thing about romance- it can make or break you.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 10, 2025

Relationship
Dear Ma'am, I have been married for 10 years and have a 4-year-old son, with another child expected soon. About six years ago, I was working with an organization where I became acquainted with a female colleague during our daily commute. Our interactions were initially professional, occasionally casual, and over time, we developed a friendly rapport. There were moments of physical closeness, such as holding hands, although she was unaware of my marital status at the time. After I left that organization, our communication became infrequent. During the COVID-19 pandemic, she experienced a medical emergency in her family, and it was during that emotionally vulnerable period that I unintentionally expressed my feelings for her. She is now nearly 40 years old and dealing with multiple health issues, including being overweight and other medical complications. Although she knows that I care about her, she has not accepted my proposal, fully aware that I am married and unable to commit to a marital relationship with her. Despite this understanding, she often invites me out for movies, dinners, and expects gifts. Recently, our interactions have involved romantic gestures such as hugging and neck kisses. However, she continues to describe herself as asexual and uninterested in a physical relationship, while also expressing a desire to get married — which appears contradictory. She often says she wants to remain friends and doesn’t want me to leave her, but at the same time, her expectations and emotional dependency are becoming increasingly difficult to manage. I want to let her know that I’m looking for more than just a friendship because I feel emotionally vulnerable and need her commitment to feel secure. I believe that building a romantic and physical relationship between us could help her feel more supported. She’s going through a lot and doesn’t have much family support aside from her unmarried younger brother.
Ans: Dear Vidhan,

The first thing I want to tell you gently, yet firmly, is this: your connection with her has crossed boundaries that are not healthy for either of you. Emotional intimacy that grows within secrecy or ambiguity always creates confusion and pain. It’s not just about morality—it’s about clarity, safety, and truth. You are a married man, a father, and soon to be a father again. You’re carrying responsibilities that require emotional presence and stability. The relationship you’ve described, as kind as your intentions may be, is already creating emotional dependency and confusion—not love, but attachment mixed with guilt and need.
She seems to be emotionally fragile and perhaps lonely, and you’ve become a source of emotional comfort for her. But that comfort has blurred into something that neither of you can sustain without hurting yourselves or others. Her saying she’s asexual yet seeking closeness reflects her own confusion and emotional needs; it’s not something you can fix through physical or romantic gestures. In fact, trying to “build” that relationship further would only deepen her dependency and your inner conflict.
The best step forward is to bring the relationship back to clarity and boundaries. You can express this compassionately but clearly: tell her that you genuinely care for her as a person and want her to find peace, but that the emotional and physical closeness between you is not sustainable or fair to either of you. Offer her respect, not rescue. If she truly needs support, guide her toward professional help or emotional networks, not a relationship built on secrecy and unmet expectations.
You also need space to reflect on what led you here. Emotional vulnerability during midlife often arises from unmet needs—loneliness, stress, or feeling unappreciated in marriage. But the healing for that comes not from escape, but from understanding yourself and rebuilding emotional honesty at home.

..Read more

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Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

Asked by Anonymous - Nov 11, 2025Hindi
Relationship
Dear madam I have this suitaution in my life. Plz do guide me with this. So i have 2 married sisters and a brother with who i dont get along well. We used to be close back then. Later on my father passed away and then i got busy searching work. After getting work i got carried away with my newly found friendship with a boy i started spending much on him rather then my family. But still then i never neglected my family every kind of help i tried to give them. In the meanwhile i used to take care of my bedridden grandmother who used to stay in another state. Then my second sister started feeding everyone's mind against me saying i dont help them with money and i spend most on my grandmother and cousin. Though my sister were earning well still they waited me to spend on them which i stopped by then as they were earning. And there used to be a real good fight with my sisters and me regarding money issue and als my marriage thing and i gave them bitter words and also curses which i regret to this day thinking how could i do hated thing to my family .In next few years my sister got married but my second sister never invited me for her marriage and did all her wedding plans in my absence and i als never attended her wedding. I attended my 3rd sister wedding. After that my second sister plotted a plan against me by taking everyone on her side and kept me out of all the family functions. I just ignored them and decided to never to get bothered by any of this. Now the problem my 3rd sister is pregnant and they have planned a babyshower and like they are just telling me to attend it. To be honest they just told me a day before the function. How to handle this. Should i attend? And how to deal with such kind of people they seem to take advantage of my helpless. Please guide me on how to become a strong girl while taking desicion.
Ans: Dear Anonymous,
Learn the skill of staying away from all this drama. If you felt secure with who you are, you wouldn't think much whether you got invited or not. Do remember, people will be on your side sometimes and not on your side at other times. This goes for friends are family; so learn to be comfortable with that...
What you did for your grandmother is a choice that you made; why expect anything in return?
Life lived with least expectations is certainly a happier life...counting what people did or didn't do will take away your peace!
Real strength is not in fighting it out but knowing when to walk away from constant drama.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

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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