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Shalini

Shalini Singh  |142 Answers  |Ask -

Dating Coach - Answered on Jun 24, 2024

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Asked by Anonymous - Jun 24, 2024Hindi
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Relationship

I am a second year student (male), till now in my life i never been i any relationships actually to say i never attracted to anyone, but during the college i met a girl, we started talking, one day while texting she told me that "I heard something I want to ask u.. Something like u likee me?" after that with some fear or i don't know what to say that feeling but I had told her that yes. but then she told we can be only normal friends not to expect more than that. i dont know what to say but i told ok. then even after that we had talk but now a days it reached a point with no replies on chat. i have tried to move on, then suddenly i miss her. as she was my first girl (not even into relationship) that i had some feelings.

Ans: She was nothing but a friend who you may have liked or been attracted to you - it was one way - the sooner you accept this, you will stop missing her. She would have been your 'girl friend' if she reciprocated similar feelings. Hope this helps.

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Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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Relationship
Dear Anu It's been 3 years since I had my break up with my girlfriend. We parted our ways on good terms but till date I miss her. Every time I feel like I should text her or call her but I don't I just divert myself. From past three weeks this thing is increasing I don't know what to do should I contact her or not. And I can't discuss this thing with anyone I never told my friends about this relationship and I don't want to. Please help me out ma'am tell me what should I do .
Ans: Dear Anonymous, you can do one of two things. Either call her/text her and know what she feels about your relationship and whether she considers it as one.

If she does, see how both of you can rebuild it.

If she has moved on, then it’s obvious to move on as well. Easier said than done, I know.

But if you weigh what you lose by being in a zone of misery and anxiety versus what you can do and be when you move on, I guess it’s obvious what you must choose for yourself.

Start with initially distracting yourself from the phone into things that matter.

Do simple things; any repair in the house that you have put off or any course that you have been procrastinating about.

This is the time to start deeply focusing into something that will give you a sense of achievement that will enable you to have a better feeling from within.

Slowly, start to increase the level of difficulty of these tasks and soon, though you might still remember her, it will not be through pain or anguish but more a good memory.

Start now and always make sure you are surrounded by friends who pull you when you feel that ‘down’ moment.

Do remember, there was a reason why the two of you parted.

Honour and respect that reason and move on if that’s what is necessary for your peace of mind.

My best wishes to you!

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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Oct 07, 2022

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Relationship
Dear love guru, Hope u are doing well.  This story starts in 2018 when I was in my 12th. I had a huge crush on this junior girl. This girl is very intelligent and she used to get very high marks. So I took that as an inspiration and started working very hard on my academics. I started to read like a maniac and that worked and I got seat in a very prestigious college hoping she would get the seat in the same college but unfortunately she got seat in other state. I was disappointed. I was shy and never talked to her in my 12th and thought I lost my chance of talking to her ever again. But fortunately after a year, I found her insta and mustered my courage to chat with her.  Although it was awkward initially, we became good friends (I guess so) and used to chat almost daily. She is really a charmer and she chats so nicely. She is a great friend but I never had courage to say about my feelings. She used to talk about her friends, her new college and her cats and so many things about herself and as I am her senior, I used to guide her and talk about my daily experiences. We had great time talking to each other on insta, WhatsApp and even snapchat. Heck we have a Spotify playlist Collab and she even included me in her private Instagram account as a close friend (u know that girls do have spam accounts for close friends) and I was wondering whether I'm just another friend or close friend or anything more.  This continued like for many months and we chatted very well in the lockdown. I never met her or called her, we just chatted( I'm a shy guy and not so good at talking to girls). Feelings aside, she became a really good friend to me and I don't have many friends. I never said her about my feelings, fearing it would destroy this great friendship I was having. But recently she was not responding properly to my chats( I never misbehaved in the chat ). I do believe she is seeing a guy whom she met recently but I don't know whether that is a relationship or just friendship.  I was disappointed but hey it's her life and I was u know just continuing my life feeling sad sometimes or just trying to forget about her. And recently she completely avoided my messages and I was so hurt(I do have some self-respect right). U could say this as a one side love story. But this is so hard. After all she is my first love and this started affecting my academics. Should I move on or should I just continue trying to talk to her so that hopefully she will talk to me like she used to before. I don't have any problem continuing but sometimes I feel what's the purpose since it is going nowhere.  Please give me any valuable suggestion. Sorry for the long story Thank you  
Ans:

You've enjoyed a mainly online relationship; there's a lot more to things than that.

There is definitely a reason why she's not responding to your messages anymore and it could be anything -- maybe you came on too strong, maybe she's met someone else, maybe her new boyfriend is from the Stone Age and doesn't like her interacting with other male friends.

I would suggest writing her one last message to the effect that you miss your friend, you don't know why she has begun avoiding you and, at the very least, if she wants to discontinue contact she should have the courtesy of letting you know that, along with the reason why.

See if she responds.

If she doesn't, take that as a very strong and clear signal in itself that she wants nothing to do with you anymore and doesn't have manners either. In which case I would strongly suggest you cease all contact as well.

If she does show some courtesy and reply, see if what she has to say can be addressed.

And all things considered, don't be too heartbroken about this. There are many great girls out there for you to start anew with -- in person perhaps, this time around!

 

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Latest Questions
Anu

Anu Krishna  |1435 Answers  |Ask -

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

Asked by Anonymous - Jan 09, 2025
Relationship
Hello Anu, the wife of my best friend is frustrated in her marriage and is having an affair with a colleague. She confided about it to me a few months ago. I presumed it was because she wanted to unburden herself a bit. She said my friend had a self esteem issue and got very toxic at times. Also that their sex life was non existent & he doesn't want to do anything about it. Hence the affair. I told her that cheating on my friend was still unfair & that it would be better to separate and go their own ways and then start afresh but also assured her I would not divulge this to my friend as no third person can be the judge & it is only for her to come clean whenever. After the first few discussions, we have been chatting on and off but of late she has been sharing some intimate details of her affair including how the colleague who is also married, seduced her and what all they do when they are together. I find this very weird and am starting to wonder if there are subtle hints that she is interesed in me. Should I divulge all this to my friend at all at some point in time?? I think they need to divorce.
Ans: Dear Anonymous,
Kindly move far away from her and this situation. You cannot become the stop-gap or band-aid for the lady's marital discord. Someone who has begun to discuss their intimate moments with an outsider, needs a hard check on themselves. If she isn't able to sort out her issues and is now directing her attention onto you, it can be for your attention and validation. It's not a great space for you to be in as nothing you do will ever be enough and to top all that, imagine what it can do your friend...
So, stay away...safer...

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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Anu

Anu Krishna  |1435 Answers  |Ask -

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

Asked by Anonymous - Jan 08, 2025Hindi
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Relationship
My parents come from struggling families and have given us best of whatever they could afford. My mother prefers my youngest brother over us her two elder daughters and she does this very vividly since childhood. My elder sister is very vocal about all these issues and but is very rude and weird. She uses swear words and verbal abuses to parents and takes extreme steps which highlights her in wrong light in front of whole family. Even I used to think that she is ill mannered and selfish that is why she behaving in such manner. Now I am also going through that phase. I will share one instance. I have got my phd thesis review and I have to submit them ASAP. My parents almost dragged me from my husbands house stating to everyone that my 8 month old baby needs sunlight exposure and i need time for addressing my review. But I have been here for more than a week, both my parents are super busy with their own routine. Though they are retired but they have adapted to fill their day. They are very rigid with their schedule. And after coming here I seem to be the extra burden on them. They don't give us time except few moments here and there. I was busy there and i am busy here taking care of my baby, no time for my work. I am frustrated now as I cannot leave suddenly. It would reflect very bad in front of everyone. But i am realizing what my elder sister went through. My mother does not cook for me. My brother came for two days. She cooked all three meals FoR him. She left me And cornered me very silently. I don't want to fight or yell. But i am shocked, sad, frustrated as I am still breastfeeding my baby. I am already super busy with him. I get to eat around 3 or 4 in the evening. I dont want to share with people around as it will malign my parents image. i am troubled because almost all of my energy is going in controlling myself from bursting in tears or stopping myself from screaming or yelling at my parents. or from leaving this place in anger. i want to utilise my energy in a better manner. kindly help How to tackle this situation.
Ans: Dear Anonymous,
Go back to your home with your baby and literally 'mind your own business'. I say this only because you seem to be spending time with things that don;t need your time. For instance: your breast=fed baby needs you more than what you parents did or did not do thinking, right?
Bring your attention to what is at hand and right now to keep your emotional sanity intact, I would suggest that you take some time-off of your parents, go back to your home and experience the joys of motherhood. That's utilizing your energy in a better manner. Makes sense?

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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Anu

Anu Krishna  |1435 Answers  |Ask -

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

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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

Ramalingam

Ramalingam Kalirajan  |7484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Money
I am 39 and My in-hand salary is 90K and additional rental income of 15k from my house (loan free), which will start from next month. My current monthly expenses are around 50K. I have PPF balance of 14 lakhs and a PF (including VPF) balance of 10 Lakhs, contributing 1.5 Lakhs to PPF annually and 2.3K to PF and 10.2K mothly to VPF respectively. Also have an FD of 1.5 Lakhs. I am new to MF and have started investing since last April. My MF balance is 1.23 lakhs, details of which are as ICICI Prudential Nifty 50 index fund - 5000 p.m. Parag Parikh Flexi cap fund - 2000 p.m. Quant Small cap fund - 2000 p.m. UTI Nifty 500 value 50 index fund - 2000 p.m. ICICI Prudential Bharat 22 FOF scheme - 1500 p.m. ICICI Prudential Retirement Fund - Hybrid aggressive - 3000 p.m. Looking for advise for two questions : 1. what will be the decent retirement corpus. my investment horizon is long term, around 22 years. looking to accumulate around 6-7 crores. is it possible.? 2. My MFs are underperforming, do I need to change any allocation. ?
Ans: With a long-term investment horizon of 22 years, accumulating Rs 6–7 crores is achievable. It requires disciplined savings and strategic asset allocation.

Assessing Current Investments
You contribute regularly to PPF, VPF, and MFs, which is commendable.
Your existing corpus of Rs 25.23 lakhs (PPF, PF, FD, and MF) gives a strong start.
Rental income adds flexibility for investment, as it is a steady source.
Required Corpus and Growth
A corpus of Rs 6–7 crores in 22 years is realistic with consistent investing.
Equity investments can provide high growth for your long-term goals.
Fixed-income instruments (PPF, PF, FD) ensure stability but may need rebalancing.
Suggested Allocation for Corpus Growth
Allocate higher portions to equity for compounding and inflation-beating growth.
Continue PPF and VPF contributions for stability and tax benefits.
Increase equity MF investments gradually to balance the portfolio.
Improving Your Mutual Fund Portfolio
Your MF portfolio needs evaluation to align with your goals and risk tolerance.

Issues with Current Portfolio
Two index funds and a Bharat 22 FOF reduce your growth potential.
Index funds offer average returns, which underperform actively managed funds.
Actively managed funds can provide better returns with professional management.
Recommendations for Portfolio Adjustment
Exit index funds and Bharat 22 FOF. Redirect these amounts to high-performing equity funds.
Keep Parag Parikh Flexi Cap for its strong track record and diversification.
Retain Quant Small Cap for long-term growth potential, but monitor volatility.
ICICI Prudential Retirement Fund is acceptable, but evaluate its performance periodically.
Benefits of Actively Managed Funds
Active funds are managed by experienced professionals who aim to outperform benchmarks.
These funds adapt to market conditions and maximise growth opportunities.
A Certified Financial Planner can help select funds aligned with your goals.
Disadvantages of Index Funds
Index funds simply mirror the market and lack flexibility in stock selection.
They underperform in volatile markets as they cannot avoid poor-performing stocks.
Actively managed funds are better suited for long-term goals like retirement.
Taxation and Investment Planning
Review taxation rules to minimise tax liabilities on your returns.
Equity MF LTCG above Rs 1.25 lakh is taxed at 12.5%; STCG is taxed at 20%.
Debt funds are taxed as per your income slab, reducing post-tax returns.
Steps to Achieve Rs 6–7 Crore Corpus
Invest an additional Rs 15,000–20,000 monthly from your rental income in equity MFs.
Increase your SIPs annually by 10–15% to match income growth.
Maintain diversification across large-cap, flexi-cap, and small-cap funds.
Avoid over-allocation to low-growth instruments like FD and Bharat 22 FOF.
Monitoring and Reviewing Portfolio
Review your portfolio with a Certified Financial Planner every year.
Rebalance allocations based on performance and market conditions.
Exit underperforming funds and shift to better options when necessary.
Final Insights
Your goal of Rs 6–7 crores is attainable with disciplined investing and portfolio adjustments. Increase focus on equity funds for long-term growth while retaining stable instruments like PPF and VPF. Monitor your portfolio and seek professional guidance for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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