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Ravi

Ravi Mittal  |528 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, 2023Hindi
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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!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1527 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 16, 2023

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Relationship
Off late i mate ex flame of mind. Due to some reason or other, we did not get married. Both of us have abusive partners. We are suffering a lot in our respective marriages. Shall we continue our friendship? We find lot of peace in talking with each other.
Ans: Dear Saibal,
Obviously after meeting after ages, the spark will be rekindled and your existing lives with your spouses are not going to look any great.
Ask yourself:
What will I risk by indulging into a connection outside of marriage?
How much of a connection do I want to have with my ex-flame?
Will I be able to keep to only a friendship?
Will my ex-flame also be able to draw the line where and when necessary?
Are we both going to be able to be mature about this and strictly maintain a connection that is healthy?

Also, it's okay to find peace by talking to one another; but don't get dependent on it. Find a way to seek that within relationships that are for keeps...otherwise, the focus will shift to maintaining the relationship outside of marriage and there will be less attention on the marriage. Then sooner than later, you will both find your marriage even more dull and boring.
I do not understand what you mean by 'abusive' partners as you have not provided enough data for me on this to use in my response to you...
Also, I am unaware if there are children involved in this equation on both sides...If YES, tread carefully as you do not want to be rocking the boat on that one...Children getting impacted at whatever age can be very tedious on them!

Bottom line: if both of you are mature about this friendship and not use each other as emotional crutches, then you know you are in the right place. Growing in any relationship and providing the space for the other to grow is a pillar that you should work on. Now you know, what you are looking at, right?

All the best!

..Read more

Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

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Relationship
my husband after marriage cheated to me he is in relationship on that time he avoids me and ignore me but i am very loyal on that time because of son, now we both not asking eachother abt anything, not talking but abt the son any activity will be there we will be together, but we are not talking with eachother even now we are not caring eachother, the man who i met recently he is my friend my colleague he know everything abt me but now he proposed me and he treated me like a wife he knows abt my son. he really love me even i involved him my family to know my family background, he is married but divorce, even i love him a lot every habits he have as a husband he takes take he talk with me very respectively, what should i do i want a suggestion. is it right?
Ans: Dear Ruta,
It's essential to reflect on what you truly want and need for your emotional well-being and happiness. Your marriage, despite its difficulties, still ties you and your husband together, especially through your son. You both have managed to maintain a cooperative relationship for his sake, which shows your commitment as parents.

However, the new relationship you're considering brings a fresh dynamic. This person understands your struggles, respects you, and offers emotional support. It's natural to feel drawn to someone who makes you feel valued and loved, especially after experiencing neglect and betrayal.

Before making any decisions, it's important to take time to reflect on your current situation. Consider what you want from your life and relationships. Think about how any decision you make will affect not only you but also your son and everyone involved. Communicating openly with your husband about your feelings and the state of your marriage could bring some clarity, even if it's difficult.

If you choose to pursue a relationship with this new person, ensure that you're doing it for the right reasons and that you're both on the same page about the future. It's crucial to consider your emotional readiness and the potential impact on your son. This process may take time, but prioritizing your emotional well-being and happiness is essential.

Ultimately, the right path will be one that brings you peace, happiness, and stability for both you and your son. Trust yourself to make a decision that aligns with your needs and values.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

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Money
I have taken a floating home from Axis Bank for 30 lakh last year, with a interest rate of 8.5%, i have also prepaid 5 Lakh within five months, now i have an outstanding amount of arround of 24 lakh, as the RBI reduced the repo rate, Bank is refusing to reduce interest rate from 8.5% to 8.25%. please suggest what should i do now?
Ans: You took a floating-rate home loan from Axis Bank at 8.5% interest.
You prepaid Rs 5 lakh within five months, reducing your outstanding amount to Rs 24 lakh.
RBI reduced the repo rate, but Axis Bank refuses to lower your rate to 8.25%.
Why Your Interest Rate Is Not Reducing
Banks do not always pass repo rate cuts immediately to all borrowers.
Some loans are linked to MCLR (Marginal Cost of Funds Based Lending Rate), which adjusts slowly.
New loans might be under RLLR (Repo Linked Lending Rate), which reacts faster to RBI rate cuts.
Your loan agreement decides how and when rate cuts apply.
What You Can Do
1. Ask for a Rate Reduction
Request Axis Bank to switch your loan to an RLLR-based loan.
Banks charge a conversion fee, but it might save you lakhs in interest over time.
2. Compare with Other Banks
Check other banks' home loan rates for balance transfer options.
If a bank offers a lower rate, consider switching the loan.
Ensure the processing fee & charges don’t negate the benefit.
3. Negotiate with Axis Bank
If you have a good repayment record, negotiate for a lower spread or margin.
Mention that other banks offer better rates, increasing your bargaining power.
4. Make Partial Prepayments
If you have extra savings, consider small prepayments to reduce interest burden.
Prepaying reduces the principal, which lowers total interest paid.
5. Use a Home Loan Overdraft Account
Check if Axis Bank offers a home loan overdraft facility.
You can park surplus money and withdraw when needed, reducing interest payments.
Best Action Plan
Contact Axis Bank and request a switch to an RLLR-based loan.
Compare other banks for balance transfer options.
Negotiate for a lower spread if staying with Axis Bank.
Consider prepayments to reduce long-term interest costs.
By taking the right step now, you can save a significant amount on interest payments.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
I have sold a plot worth for 1.85 cr... I have bought a plot worth 1.4 cr... can i keep the remaining in my saving account for house construction or do i put the balance amount in a cgas account
Ans: Since you sold a plot for Rs 1.85 crore and purchased another plot for Rs 1.4 crore, you have a balance of Rs 45 lakh.

Capital Gains Tax Implication
Long-Term Capital Gains (LTCG): If the plot you sold was held for more than 2 years, the profit is considered long-term capital gains (LTCG) and is subject to tax.
Tax Rate: LTCG on real estate is taxed at 20% with indexation benefit.
Reinvestment for Tax Saving: You can save tax by reinvesting the gains in a residential property under Section 54F of the Income Tax Act.
Can You Keep Rs 45 Lakh in a Savings Account?
No, if you intend to claim tax exemption under Section 54F, you cannot keep the balance amount in a savings account beyond the due date for filing your Income Tax Return (ITR).
If you don't invest in a residential house before filing your ITR, you must deposit the unutilized amount in a Capital Gains Account Scheme (CGAS).
You must use the CGAS amount within 3 years for house construction.
What Should You Do?
If You Are Constructing a House
Deposit Rs 45 lakh in a CGAS account before the due date of filing your ITR.
Use this amount within 3 years for house construction to claim full tax exemption under Section 54F.
If You Are Not Constructing a House
The Rs 45 lakh will be taxed as LTCG, and you must pay 20% tax (after indexation benefits).
Consider other tax-saving options, like investing in bonds under Section 54EC (with a 5-year lock-in).
Final Insights
If you plan to construct a house, deposit the Rs 45 lakh in a CGAS account before filing ITR.
If you don’t use this amount within 3 years, it will be taxed as LTCG in the year of expiry.
If you don’t want to construct a house, be ready to pay LTCG tax or invest in 54EC bonds for tax saving.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

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Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation
Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

...Read more

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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