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Ravi

Ravi Mittal  |147 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 07, 2023

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Dec 05, 2023Translate
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Relationship

Ravi, is it okay to be in touch with your ex-boyfriend who is married?

Ans: Dear Anonymous,

It largely depends on the nature of your relationship. If it's a friendship with no romantic implications, there is generally no harm in being friends with your ex, even if they are married. However, if it causes issues with their spouse, it is crucial to assess the situation and reconsider the friendship. Reflect if this friendship is something worth these potential complications.

Best Wishes!

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Anu

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

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Dear Guru, I'm working as an executive assistant to the director with an Indian subsidiary. Due to pandemic there's this work from home happening right from the start of lockdown. At present and till date have to manage my work along with two other colleagues work too. Moreover in addition my boss is leaving too. All this is so critical that it's stressing me mentally and physically. I'm not able to bear that loss of him leaving in such a scenario. Though him being married I somewhere liked him from the bottom of my heart. Initially he tried impressing me through his kind words and behaviour. But in the last one year he suddenly changed bcoz there were certain things happening between him and the management which I was completely unaware of only to learn recently that his job contract wasn't renewed by the management and hence he along with his wife opted for an alternative. He showed his anger by ignoring/avoiding me. Somewhere I feel that even he didn't wish to leave the company. I don't wish to break his marriage but I love him (one sided) still dunno if he does or not. Of late we had tiffs over the phone on work issues and I deleted his number from my contact list saying Goodbye. He fumed and sent me e-mails in the morning about things to handover as he is leaving :) Earlier when I had a tiff over msgs that time he called my colleague and asked him to take the handover. Hope I get some response on the stated issues.
Ans: Dear SK, Why do some of us get caught in a web where we don’t know where we stand in someone else’s life?

I am not going to judge you or lecture you as to your one sided-affection as that is a choice that you have made. But, why give someone so much power to rule your mind that they seem to take the driver’s seat and take decisions for you? Your job, you love…your emotions.

Do remember, that you cannot be an option is someone’s life which is what has happened here.

The hit to your self-esteem has been for you to act in disappointment/anger where you have dropped his number off your list with a curt ‘bye greeting’ which has irked him and his ego.

What were you doing? Throwing the spotlight back onto yourself where you have given him a chance to antagonize you at work?

Can you even complain about it in public? And especially when you knew his loyalties lie with his wife which he made it evidently clear by them taking decisions jointly for their future.

All that has happened, is you being at the receiving end, by laying out your emotions for a little attention from him.

And well, he possibly was enjoying some of it as well. If you were to rewind the clock, go back in time, and ask yourself: What can I do? What must I do where I can keep my emotions healthy and protect my emotional boundaries? Do exactly that now.

Nothing is lost. I can’t promise that he will be back to giving you the attention that you have been used to; all I can say is find some healthy options and grow your social circle.

You may meet someone interesting or you may simply find someone who shares common interests irrespective of gender.

Bottomline; get unstuck from this unhealthy string, cut and maintain that healthy boundary, stick to your work and create a circle of friends and family that care for you. That will be your strength and helo in making better decisions the next time.

Be happy and make the best of life!

(more)
Anu

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
I am very stressed these days. I am in love with a married man. He happens to be my colleague whom I met in 2020.Initially it was just a senior junior relation where he would help me in official matters. At the same time, I was recovering from a break up followed by severe health complications. Slowly, I started spending time with him, in the office only talking about office issues then my personal life. He too shared some of his and eventually I started developing feelings for him. But since I knew he was married I would always maintain that distance. I just wanted a healthy friendship but may be my personal turmoil was to the extent that I needed an emotional support and so I confided in him. He too would understand me, give me support and I could feel that he likes me. One day I confessed my feelings and he too reciprocated. He had told me earlier that he is living a compromised married life where there is no emotional connection. However, he will continue with it as his wife is dependent on him and I said I don’t want to break a family. But I have fallen in love with him. His presence has given me such solace I cannot describe. I don’t want to break a home. So, I have started maintaining distance as well but I really miss him. I feel I lost a friend in the process.
Ans:

Dear SJ,

This is something that I have been seeing lately with a lot of people.

Something lacks within your current relationship and to fulfil that you look for it elsewhere only to realise that things have gotten out of hands.

In your case, love has blossomed in and suddenly now you have realized that it might cause a flutter within two relationships.

He has made it clear that he wants to be with his wife which should give you an idea not to make any more emotional investment. You will end up getting hurt even more if you do.

Time for you to start feeling solace and gaining better self-esteem by valuing yourself more. You don’t need anyone for you to love yourself, do you?

So, stop giving this so much importance. He was there when you needed him and vice-versa. Now, that things are getting a little complicated, time to revise the way you think and act.

You don’t need to lose a friend if the feelings that you have for him can be healthier and not draining on either of you.

If not, maybe you need to think how you can handle this agony better. Be your own friend first and then you start making better choices on who to let into your life.

Possible? Yes, start now…

All the best!

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Dr Ashish

Dr Ashish Sehgal  |96 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 06, 2023Translate
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Moneywize

Moneywize   |58 Answers  |Ask -

Financial Planner - Answered on Feb 24, 2024

Asked by Anonymous - Feb 23, 2024Translate
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What are balanced advantage funds and would you recommend how I should go about investing in such funds?
Ans: Balanced Advantage Funds are a type of mutual fund that dynamically manages the allocation between equity and debt instruments based on market conditions. These funds aim to provide investors with a balance between growth (through equity exposure) and stability (through debt exposure). The allocation between equity and debt is adjusted by fund managers based on various factors such as market valuations, interest rates, and economic indicators.

Here's a breakdown of the key features and considerations for investing in Balanced Advantage Funds:

1. Dynamic Asset Allocation: These funds have the flexibility to shift allocation between equity and debt depending on market conditions. When equity markets are expensive or overvalued, the fund manager may reduce equity exposure and increase allocation to debt instruments, and vice versa.

2. Risk Management: Balanced Advantage Funds tend to offer lower volatility compared to pure equity funds due to their ability to switch between asset classes based on market conditions. This can potentially reduce downside risk during market downturns.

3. Goal-based Investing: They can be suitable for investors with medium to long-term investment horizons who seek a balance between capital appreciation and capital preservation. These funds are often used for goals like retirement planning or wealth creation with a moderate risk profile.

4. Professional Management: Investors benefit from the expertise of professional fund managers who actively manage the asset allocation and investment decisions based on thorough research and analysis.

5. Tax Implications: From a taxation perspective, gains from equity investments held for more than one year are taxed at a lower rate (long-term capital gains tax), whereas gains from debt investments held for more than three years are taxed as per the investor's income tax slab. Balanced Advantage Funds may offer tax efficiency due to their equity exposure.

6. Expense Ratio: Investors should consider the expense ratio of the fund, which represents the annual fees charged by the fund house for managing the fund. Lower expense ratios can enhance returns over the long term.

As for whether you should invest in Balanced Advantage Funds, it depends on your investment objectives, risk tolerance, and financial goals.

If you're seeking a balanced approach with the potential for higher returns than pure debt funds but with lower volatility compared to pure equity funds, then these funds could be suitable for you. However, it's essential to consult with a financial advisor who can assess your individual circumstances and recommend the most appropriate investment strategy.

If you decide to invest in Balanced Advantage Funds, you can do so through various platforms such as mutual fund distributors, online investment platforms, or directly through the fund house's website. Here's a general guide on how to invest:

1. Research: Understand the different Balanced Advantage Funds available in the market, their investment objectives, performance track record, and expense ratios.

2. Select a Fund: Choose a fund that aligns with your investment goals, risk tolerance, and time horizon.

3. KYC Compliance: Complete the Know Your Customer (KYC) process as required by regulatory guidelines. This typically involves providing identity and address proof documents.

4. Investment Process: Decide on the mode of investment, whether lump sum or systematic investment plan (SIP), based on your convenience and investment strategy.

5. Online Platform or Distributor: If investing through an online platform, create an account and follow the instructions to invest in your chosen Balanced Advantage Fund. If using a mutual fund distributor, approach them with your investment decision, and they will assist you with the investment process.

6. Monitor and Review: Keep track of your investments periodically and review your portfolio to ensure it remains aligned with your financial goals.

Remember that all investments carry some level of risk, including the potential loss of capital. Diversification and a long-term investment approach are generally recommended to mitigate risk and achieve your financial objectives.
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Anu

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2024

Asked by Anonymous - Feb 21, 2024Translate
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Relationship
Good Morning, We are married for almost 27 years and at various stages of my wife like, beginning days when Girls had dream of her happy married life beginning, honeymoon, pregnancy, fostering the child, mid-age crisis and now Menopause I have been very unfair & sometime very cruel to my wife. I am tryint to please her in my possible ways but whenever I am planning something exciting & pleasurable for her it turn out to be flop show & nightmare. I want her to be happy but don't know why it gets spoiled due to one or other reason. Despite of all this she is always giving me chance and prepare herself for new beginning. But now I fear & feel gradually I will become a big liability on her, health wise as I am diabetic and even after taking high dose of medicines it doesn't get controlled. I am worried that though the beginning was not good our end should be Peaceful & graceful. Need your guidance
Ans: Dear Anonymous,
No point revisiting what has already happened. It seems like your wife wants a new beginning; then why not actually plan on how you want your life together to be from now on? What are the things that you have missed out on earlier, bring it all back and slowly start experiencing what life could be living in that harmony...
As for diabetes, getting the right medicine and taking it in the right dosage is important to see a change. Also, exercise, attempt to keep stress levels low and eat right...these help in keeping your blood sugar levels low...
Don't talk about the END when there is a NEW beginning in sight...

All the best!
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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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