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Mohit Arora |68 Answers |Ask -Follow

Dating Coach - Answered on Apr 01, 2024

Mohit Arora is a relationship coach, image consultant, soft skills trainer and the founder of Real Dating School. He has a BTech degree in computer science from the Rayat & Bahra Institute of Engineering and Biotechnology, Mohali, Punjab. He has been conducting customised skilling and communication workshops since 2014.... more

Asked by Anonymous - Mar 28, 2024Hindi

Relationship

I am married 42 male. I m in love with a lady who is also married for the last 2 yr . We met through matrimony prior both of our marriage in 2015. She has many relationships till date with colleagues and also with her husband boss. Inspite of knowing this , I am unable to come out of the relationship. Also she used to tell me she doesn't love me.i hv already spent around 1.5 lakhs for buying gifts. She had been physical with 3 college friend and for her husband promot, she slept with her husband boss. Inspite of knowing all these, I can't forget her. We dnt have any physical relationship.I madly love her. Tried many times to discontinue the contact, but every time she by any means win and I start talking. She used to lie me always. Inspite of knowing many physical relationship with her husband colleagues and her friends in recent times, I can't forget her. Tried consulting psychiatrist and also taking medicines but of no help.

Ans: You need to get more girls. Realise she is not special. There are many hotter girls out there. Learn to attract them

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Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 21, 2023

Asked by Anonymous - Dec 20, 2023Hindi

Relationship

Hello I am married 42 male. I m in love with a lady who is also married for the last 2 yr . We met through matrimony prior both of our marriage in 2015. She has many relationships till date with colleagues and also with her husband boss. Inspite of knowing this , I am unable to come out of the relationship. Also she used to tell me she doesn't love me.i hv already spent around 1.5 lakhs for buying gifts

Ans: Dear Anonymous,

You are indulging in a very toxic relationship and my only advice is to get out of it as quickly as possible. First off, it's unethical. You are married and that makes it cheating. Secondly, the woman is clearly not in love with you, and she has been vocal about it. You are wasting your time, energy, and money on someone who does not care for you. I am sorry that you have to go through this, but it's the truth.

Best Wishes!

Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 02, 2024

Question by Suman - Dec 21, 2023Hindi

Relationship

Sir I know. My wife too know this and she is too supporting me to come out. But I madly love her. I tried to discontinue all contact many times but every time she tells u are my best friend...bla bla. She told me that she has been physical with 3 college friend and 2 colleagues of her and her husband. For her husband promotion, she slept with his boss too. Inspite of knowing all these, I love her. I had not been in any physical relationship with her.tried everything including meditation.

Ans: Dear Anonymous,
I am glad you came clean to your wife and she is helping you come out of this mess. I am sure you know this, but still, I'd like to point out that you are a lucky man to have a partner such as your wife. Focus on that.

You might be in love but you are also married and that makes your love unethical. And meditation does not help in all things, and it's a tough feat to achieve. I suggest you see a marriage counselor or seek therapy yourself. There's no shame in seeking help. You left your concerns and questions here for me, and that's seeking help too. That is a good start. Now I recommend you see a professional who can help you with structured guidance. Before your marriage falls to pieces, I highly recommend taking proactive steps. Sometimes we can't do it alone and that's when licensed therapists come in. Please think about seeing one.

Best Wishes!

Anu Krishna |1437 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 21, 2023Hindi

Relationship

Hello I am married 42 male. I m in love with a lady who is also married for the last 2 yr . We met through matrimony prior both of our marriage in 2015. She has many relationships till date with colleagues and also with her husband boss. Inspite of knowing this , I am unable to come out of the relationship. Also she used to tell me she doesn't love me.i hv already spent around 1.5 lakhs for buying gifts. She had been physical with 3 college friend and for her husband promot, she slept with her husband boss. Inspite of knowing all these, I can't forget her. We dnt have any physical relationship.I madly love her. Tried many times to discontinue the contact, but every time she by any means win and I start talking.

Ans: Dear Anonymous,
Is lack of positive challenges making you run around this lady?
What kind of future do you see with her?
What kind of a present day moment do you see with someone who cannot fathom commitment?
Also do you think that by loading her with gifts, you can buy her attention and love?
If you crave attention, then you might want to try and do something in life that will make people turns their heads towards you...any attention from the external world is very short-lived till it satisfies their need after which you will be discarded without much of a sigh...
So, pull yourself up NOW and develop connections with people who value you and your presence in their lives!

All the best!

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Dr Dipankar Dutta |741 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Jan 17, 2025

Question by Vasantha - Jan 17, 2025Hindi

Career

Presently, I am working as Reporting Developer (Active IQ Analyst ) for the last 2.5 years having skills of MSSQL, ORACLE, POWER BI, ETL TABLEAU, PYTHON and C. But my salary package is very low in Bengaluru. Please guide me for upgrading and upskilling myself for better future. Vasanth

Ans: Do online courses on AI/ML/DS so that you can get developer role for better future.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

Woul like to invest a lump sum in mutual funds to get passive income monthly after one year. Please suggest the funds so that the principle amount is not eroded.

Ans: Hello;

Investment in mutual funds can lead to capital erosion, irrespective of the type of fund, since corpus of mutual funds are invested in the stock, bond or bullion markets which are fraught with risks.

You may invest your corpus in conservative hybrid debt type mutual funds which has higher exposure to debt and lesser exposure to equity.

Even in debt allocation choose fund that has higher allocation to Sovereign securities, PSU bonds and AAA rated corporate bonds.

Do an SWP at the rate of 3-4% pa and not more.

Best wishes;
@mars_invest

Milind Vadjikar |867 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

Given the expected salary hike with the 8th Pay Commission, should I focus on high-return investments like mutual funds or opt for traditional tax-saving instruments like PPF and NPS?

Ans: Hello;

You may have judicious blend of both type of investments in your portfolio based on your risk appetite, financial profile, age and investment horizon.

Best wishes;
X: @mars_invest

T S Khurana |295 Answers |Ask -Follow

Tax Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 02, 2025Hindi

Money

Sir, Me and my sisters had invested lot of money in am indian discount broker. We accumulated some profit stored in trading account. But in the beginning of January 2025, when my sisters wanted to withdraw amount, the stock broker says my sisters have to pay STCG tax amount, before they can withdraw the amount. He has calculated the tax at 30% rate. This stock broker gives instructions for index trading, basically on spot precious metals(THGSE) since couple of weeks Can he withheld investors money from withdrawing on the basis of non-payment of STCG tax.

Ans: 01. Income of STCG is taxed in the year, in which it is earned. So accumulated Profit should not be for a longer duration. It has to be taxed in your hand, as & when, you file your ITR.
02. Tax rate of STCG is not more than 20% in any case. However, it could also be slab rate in many cases. Your question does not provide details to confirm the same.
03. Your stock broker is not supposed to give you instructions, instead should advice you. You are not obliged to act on his advice & you are free to take your own decisions. He cannot withhold your payment in normal circumstances.
Most welcome for any further clarifications. Thanks.

T S Khurana |295 Answers |Ask -Follow

Tax Expert - Answered on Jan 17, 2025

Question by Velji - Dec 12, 2024Hindi

Money

Am I Liable to tax if I have received a piece of Land(property) in my marrige gift from a paternal side uncle?

Ans: No. It is a gift from your uncle at the time of your marriage & not Income.
Most welcome for any further clarifications. Thanks.

T S Khurana |295 Answers |Ask -Follow

Tax Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

I’m planning to start investing for my child’s higher education once my salary increases under the 8th Pay Commission. Which tax-saving options align with long-term education goals?

Ans: 01. PPF (Public Provident Fund) account could be a good option for such planning. Moreover, you could also explore the other options like, NSC, Mutual Funds through SIP (once you start getting enhanced salary) etc.
Most welcome for any further clarifications. Thanks.

Samraat Jadhav |2171 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

Please post your comments and truth about this compny. Based om similar report I lost heavily. Pls suggest. Rajnish Retail ltd at 13/- is projected to reach 220/- in a short te.

Ans: Poor cash generated from core business - Declining Cash Flow from Operations for last 2 years and company is expensive valuation wise in this price itself. Stay away from such suggestions/companies. There are so many quality companies available at a good price now with the downfall.

Anil Rego |380 Answers |Ask -Follow

Financial Planner - Answered on Jan 17, 2025

Question by somasundaram - Dec 29, 2024Hindi

Money

Shall we get tax benefit on capital gain which amount invested in fixed deposited in the bank for the 5 years ?

Ans: If you invest your capital gains in a fixed deposit, it does not qualify for any capital gains tax exemption. It is only available for reinvestment into a house, that too only on Long Term Capital Gains.

Anil Rego |380 Answers |Ask -Follow

Financial Planner - Answered on Jan 17, 2025

Question by VSPMANI - Dec 13, 2024Hindi

Money

Am I liable to pay LTCG/STCG for the MF UNITS switched from Equity Scheme to Liquid Scheme. Is STT applicable for swtch from Liquid Scheme MF to Equity Scheme MF or vice versa

Ans: When switching from an equity scheme to a liquid scheme, you are liable for STCG or LTCG depending on the holding period. A switch is treated as a sale of the scheme you are switching out of; and as a purchase of the scheme, you are switching into. STT is applicable on mutual fund switches.

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Financial Planner - Answered on Jan 17, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Money

If you have us listed shares and after selling them normally we have to pay short or long term gain. Can I use that amount to pay my home loan to get exempt from capital gains or no?

Ans: Under Indian tax laws, the sale of USA-listed shares is subject to capital gains tax, depending on the holding period. If held for less than 24 months, it's short-term capital gains (STCG), and if held for over 24 months, it's long-term capital gains (LTCG).
There is no provision under Indian tax laws that allows you to set off capital gains tax by paying off a home loan. The benefit is available to reinvest LTCG into purchase of a house, not repayment of a loan.

See more questions »

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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