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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 14, 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 - Nov 26, 2023Hindi
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Relationship

Dear sir, I am a widow of 44 yrs reputed officer and I am also working at a reputed post. I have a daughter also. 2 yrs back I gave a matrimoni adv on a online site for remarriage. I received a call from an Sr. Scientist. I was serious about this because he was a nice educated fellow and working as scientist, his case of divorce was in process, which he told that it is going to over soon. After around two months talk over the phone I liked the person and I met him. I liked him, later I invited him at my place as well as I also visited his place we came close to each other physically. Every thing was going fine he shared so many things about his family and wife as well as I also shared. Everything was going on fine suddenly he changed his nature and started avoiding and ignoring me. He told me that I will bring you my home nicely. Now we have fought. I am telling home to meet face to face. he is threatening me and me that if you will meet me and co e toy place will ruin you. Now he is running from me and telling go away and blocked me from all social media. He has used me and left me after wasting my two years. I am at a juncture of life that after my daughter I will be alone. Now after this cheating i have got so scared that not able to belive on any one. What should I do? Should I meet him once at his place? Should I tell all story to his father? I feel depression and anxiety. What should I do pl suggest.

Ans: Dear Anonymous,

I am sorry to hear about the issues you are facing. You certainly did not deserve it. I suggest you hold your head high and do not contact him again. If he has blocked you and is trying to cut you out of his life, that's his loss. You are missing nothing losing a man like that. Count your blessings that you did not end up committing to him and bringing your daughter into the equation. Look at the bright side; you dodged a bullet.

There are plenty of kind and genuine men who would be lucky to partner up with you. Do not give up on love. Take your time; heal from this. I am sure it isn't easy to get back into the dating field and, on top of everything, have an experience like this. But this is just one man; everyone is not the same. You will surely find someone much better and worthy. As for what to do with him- just leave. Do not try to contact and do not take him back if he tries to come back. You deserve more.

Best Wishes!

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Love Guru

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Relationships Expert - Answered on May 13, 2022

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Dear Love Guru, First of all, I want to stay pretty anonymous. Secondly, it feels weird to discuss it with an unknown individual and never did I in my wildest dream thought that I would be seeking an advice. However, here I am...  The story starts when I met this individual in the UAE who is originally from UP, Saharanpur. This guy initially tried to get closer to me as much as he could and once he succeeded by becoming my close one, we just hit off pretty well. It went to point of engagement Roka. I wasn't there in India for Roka. It happened with him, his family and my parents. Everything was dreamy and nice until he started changing his behaviour towards my parents and then me, he was abusing me with money. He put me into credit card debts. I was feeling horrible. I started to revoke his access to my card, my everything, and I decided to call it a quit. In return when he understood that I am going to dump him he played his cards. As he couldn't find any cheating in my case when I was with him he decided to dig my past and started torturing me. He created a story to humiliate me at the work place and in front of people. He turned the tables by stating that I'm not dumping him rather he is. It was so heartbreaking for me. I left my job I left my life in the UAE all coz of this guy. And now after 2 months he is keeping an eye on me through to social media. Also he is trying to contact me by asking how I am. I don't understand what he wants and I am unable to recover.  Seeking your help.  Thanks. 
Ans:

Cut. Him. Off. Completely.

Block him on social media and on your cellphone. And your parents’ cellphones and their social media as well.

The guy is a con and you know it.

You should not have let his stupid rumours cost you your job and your life abroad. The truth of a situation always lets itself be known sooner or later and sometimes you have to brave it out.

I’m sorry to hear what you’ve been through, but you should freeze him out completely.

If you need to talk to someone about this at length, counselling may help.

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Anu

Anu Krishna  |825 Answers  |Ask -

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

Asked by Anonymous - Sep 26, 2023Hindi
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Relationship
Hello My husband and I took mutual divorce before 1.5 years. this was my second marriage and I married him because he assured me that he will be a father for my toddler. after 7 years of adjustments in marriage (as he was not good as a, neither emotionally nor financially) father, he filed for divorce in just 20 days of our arguments. He raised his hand so I was upset and angry so I too signed the papers. Just after filling divorce that he started asking me to come back else he will get married. I denied to go back and he started seeing girls within a week of filling divorce. With the court procedure, he used to ask me to come back but I was heart broken bcoz he was seeing bride so I denied again. This was continued and our divorce granted. Now since six months again he started approaching me by saying that I only love you and so could not get married. for your kind information, he is very impatient and aggressive by nature. Due to his nature and behaviour I and my family decided to cut him off because it is creating stress only. but till today he is trying to contact me by one or other means. I am already very stressed and emotionally broken down because this happened to me second time. Some times I feel that I should give him one more chance but when looking to my kid, who is 12 now, I am giving up on this thought. and I am not sure whether he is doing this for feelings or just because he is not getting a woman of his choice to marry. My family members are saying that he has no feelings for me and my son but he is just calling me back for his adjustments. I don't know I should trust him or not.
Ans: Dear Anonymous,
What sort of a game is this? Like children fighting on one day and not speaking with one another and then making up the next day only to fight again...
Why so much of vacillation on your part? When you two separated, was it a conscious move or was it on an impulse?
Also, be very cautious as to why he is insistent on getting back with you?
Also, has he changed his ways and will he be more available to the family now? Wasn't this the reason that actually things went downhill for you?
Plus, he's looking at prospective brides...and you say that he is aggressive and impatient...

So, what is your confusion here?
What will you get by getting back with him?
What will you lose or not gain by not getting back with him?
Are you willing to make compromises to be with a person that you call aggressive?
How is this going to affect your child given that your ex-husband is not emotionally or financially stable?

Weigh it all out and then make a decision that is right by you and for you and for your child.

All the best!
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Anu Krishna  |825 Answers  |Ask -

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

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Hello, I am 41 year old professional. I had met my husband before marriage though social media 5 years back and thereafter maintaining distance relationship and meeting occasionally for 3 years we got married in 2021. It was a struggle for marriage as it was inter caste and inter religious marriage. Everything was smooth in relationship to the fact that I’m responsible for all financial matters as my husband has no job. He is still trying and looking for job. I didn’t mind much but would encourage him to get the job to be mentally and physically fit. Last year we went to his nephews marriage to his village. It was of 7 day programme. On second day I noticed him watching another women ( nephews mother’s sister who has 2 daughters) At that time I didn’t pay attention. After 2 days on a night function I saw my husband texting from far but he looked at that lady again. She also seemed to texting. I became suspicious. Later that night when he came to room I asked to show him his phone he was reluctant. I had to snatch his phone and I saw that he was texting the same lady and in that had asked her to meet her alone. and asking her where he can meet her. I gnashed cried and made a huge scene coz this was not what I had expected. He tried to convince that she was his girlfriend of past and suddenly after seeing her after sometime he only wanted to talk to her. I only asked her ... why alone? He had told me during dating that she had a girlfriend ( never told her identity) and that she has married and moved on. Feeling cheated I could not sleep but only cried that night and in the morning if we can return to our city. Programme had not finished but he agreed and we left. Since then that night and those days still haunt me ; thinking what didn’t I do to love him so much and in return we get cheated. I’m still with him, but mentally I still feel cheated and still am in doubt that he is in touch with her. I am not able to do my duties as part of my mind thinks he cheats me though I have confronted many times on this and he denies that he is not in touch with her Should I leave him or continue with this marriage? We still don’t have any baby.
Ans: Dear Vandana,
Clearly you are more into him than he is into you. Baby or no baby, he seems like someone who isn't going to be steady...what was the need to hide and plan a meeting and if the other lady has moved on, what is doing hanging around her?
And with no financial assurance and stability, he is only tuning his energies to external validation to 'up' his elf esteem...

Isn't it time you actually called him out for his wayward nature and his absolute reluctance to take on some responsibility in the marriage and home? The more you are quiet, the more he is going to feel that you are supporting this nonsense...call it out and NOW! And as for your state of mind, do know that you have it in you to hold your own...don't base you peace of mind on anything outside of you...

All the best!
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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 08, 2024

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Relationship
Hello, I am 41 year old professional. I had met my husband before marriage though social media 5 years back and thereafter maintaining distance relationship and meeting occasionally for 3 years we got married in 2021. It was a struggle for marriage as it was inter caste and inter religious marriage. Everything was smooth in relationship to the fact that I’m responsible for all financial matters as my husband has no job. He is still trying and looking for job. I didn’t mind much but would encourage him to get the job to be mentally and physically fit. Last year we went to his nephews marriage to his village. It was of 7 day programme. On second day I noticed him watching another women ( nephews mother’s sister who has 2 daughters) At that time I didn’t pay attention. After 2 days on a night function I saw my husband texting from far but he looked at that lady again. She also seemed to texting. I became suspicious. Later that night when he came to room I asked to show him his phone he was reluctant. I had to snatch his phone and I saw that he was texting the same lady and in that had asked her to meet her alone. and asking her where he can meet her. I gnashed cried and made a huge scene coz this was not what I had expected. He tried to convince that she was his girlfriend of past and suddenly after seeing her after sometime he only wanted to talk to her. I only asked her ... why alone? He had told me during dating that she had a girlfriend ( never told her identity) and that she has married and moved on. Feeling cheated I could not sleep but only cried that night and in the morning if we can return to our city. Programme had not finished but he agreed and we left. Since then that night and those days still haunt me ; thinking what didn’t I do to love him so much and in return we get cheated. I’m still with him, but mentally I still feel cheated and still am in doubt that he is in touch with her. I am not able to do my duties as part of my mind thinks he cheats me though I have confronted many times on this and he denies that he is not in touch with her Should I leave him or continue with this marriage? We still don’t have any baby.
Ans: Dear Vandana

I understand how heartbreaking it can be to find out your spouse is cheating. I would only tell you one thing- if the thought of leaving him has crossed your mind even once, it is worth sitting down and introspecting. If you happen to come to an understanding that separation would be what's best for you, have an open and clear discussion with your spouse. If he agrees to change his ways, you can give it another shot. But that's completely up to you. No one can force you to give him a second chance. As you said, you don't still have a child and it is best to come to a decision before there is a child in the equation. If your husband does not care about it and sticks to his behavior, there will remain not a shred of doubt that separation is the right choice. But before all of that, take a beat and think. Not from a place of anger and grudge. Calm yourself and think if you are reading too much into the situation or if is it actually as bad as it looks. It will be tough, but it is important because the rest of your life depends on it.

Best Wishes!
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Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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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