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Love Guru

Love Guru   |217 Answers  |Ask -

Relationships Expert - Answered on Feb 27, 2023

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Asked by Anonymous - Feb 16, 2023Hindi
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Relationship

Hi Love Guru. My husband is very close to his cousin sister. Whenever they meet they hug, embrace and crack jokes. They also chat and talk at length whenever available. At times I feel very in secured and did confront my husband. But he takes it very lightly. Her husband stays in UAE and only visits India once in a year (for one month). They have one son and one daughter. Do you think this is normal?

Ans: Cousins getting along well is normal; a wife feeling insecure as a result of that is not. Haven’t you got a brother or male relative you’ve bonded with since childhood? Still, giving the benefit of the doubt to your instinct as his wife, I would suggest you look out for subtle signs of anything more than familial ties. Does he look for any excuse to spend time with her? Do they meet alone very frequently? Do you pick up on any romantic vibes between them? Hugging between cousins is very normal, but are they overly tactile? Short of any of that, leave it alone and address your own insecurities.

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Ravi

Ravi Mittal  |703 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 23, 2024

Asked by Anonymous - Jun 25, 2024Hindi
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Relationship
Me and my wife are happily married for 10 years and having a twins 4 years before. This incident happened 8 years ago, when my wife and her cousin visited the home town for a temple function they reconnected with this guy who is their old friend ( a distinct relative also), this person had an interest on my wife before marriage and my wife rejected. Now this person is married and having one kid. when they reconnected my wife's cousin used to do conference calls along with this person and my wife. My wife asked me is it ok to talk. i said yes it is fine but just maintain a healthy boundary. So she wont attend all the calls from them. Attended some conference calls for 5 to 15 min and dropped the call saying my husband don't like me in phone too much. this happened weekly once or twice for 2 month(maximum 10 calls). they also had a watsapp group, in that they had friendly chat between them, mostly between wife's cousin and that person. My wife's reply was very less. but when i was going through the messages they are not flirty messages, there i saw my wife saying very positive about our relationship and her cousin also agreed to that saying they are the best couples. but that person has addressed my wife's cousin and my wife occasionally as honey and dear. but both of them ignored and not asked them to stop calling like that. when i checked this with my wife she said that person calls everyone as honey/dear even her sisters and other cousin. Even he calls my wife's mother sometimes honey (she is very aged 60 years).it is habitual for him so she found no meaning in that and she is not bothered to correct that. this is not even a issue for her that's why she did not discuss this with me. that's why she ignored. i asked her to stop talking to him. My wife told she already stopped talking with him as he tried to make personal calls as she did not like it. that time the wats group also not active so she exited from the group and blocked his number. Recently we came to know that one of the relative girl got into affair with this person and this person got divorced due to that. 1. Does the words like honey can be used in friendly way. i have many friends in other gender i never used honey even though i used 'dear' occasionally. As he used this word with my wife, Does this make my wife less pure than other women. Is this cheating ? 2. I cant come in to terms with the fact my wife talked to a person who is a womanizer. does this affect my wife's reputation in the society. they never met in person other than this temple function reconnect.
Ans: Dear Anonymous,

Let me address your queries one by one.
1. Yes, honey or dear can be friendly too. I cannot tell for sure if he was being friendly or flirty, but these are very common terms.
2. How can him calling your wife, or him being of questionable character make your wife “less pure than other women”? I am not sure how these two are even connected. She spoke highly about your relationship, never engaged in one-on-one conversation with the guy, and even stopped talking to him when he tried to call her separately. What is making you question your wife’s character still?
3. No. This isn’t cheating. Not on your wife’s part. Maybe the man did not have good intentions, but your wife did not indulge him. Even if we look at it from 100 different angles, this is not cheating.
4. When your wife spoke to him, none of you knew about his affair and his character. Then how is she responsible for it? And how is she responsible for his misdeeds anyway?
5. No, this does not affect your wife’s reputation in the society. Again, ask yourself, what is her fault in all of this? You are yourself saying they never met in person, never had a one-off conversation, etc.
Please understand that this man’s behavior is a reflection of his character, not your wife’s. It’s unfair of you to blame her or doubt her.

Hope this helps.

..Read more

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Reetika

Reetika Sharma  |571 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 21, 2026

Money
I just turned 50 and I have below portfolio and I’m looking to build 10 Crore portfolio when I retire in next 10 years at 60. 1. PF: 50 lac and approx 40K per month contribution will continue till retirement. 2. PPF: Currently 2 Lacs, 8.5k pm only will continue here. 3. Current MF portfolio is 15 lacs. SIP OF 1.25 lac spread across Small cap, large cap, Parag Parekh Flexi cap, Motilal Oswal Large and Midcap and NIFTBEES 25K per month SIP stated from Jan 2026. 4. Sukanya schema: 8 lac current balance but further deposit only 50K per yea 5. Real estate, House#1. Self use 2 bhk in good location worth 1 cr, no loans outstanding. House#2 - 1 BHK in good location worth 50 lac, 22 lac outstanding loan and 19 K rent. House#3- 2 bhk remote location worth 35 lac 12K rent and 10 lac outstanding loan. House#4, 3 bhk flat in good location worth 1.25 crore 35 lac loan will get possession in 3-4 months. 6. Bought land in native of 20 lac currently valued at 1 cr. I’m planning to sell house#2 and repay other house loans as much as possible. EMI that I will save, want to divert the funds to MF investment for next 10 years. Can you suggest me what changes or approach I need to follow to 10 cr at retirement and will this be enough or I need to target higher corpus at retirement. Note. Major expense My daughter Higher education expense coming in next 2 years and I need to allocate 15 to 20 lacs per year. One plan I’m thinking sell house, don’t repay other loans, invest the return from house sale into MF lumpsum 25 lacs and start SWP from 2nd year of higher education so some part from SWP and some from education loan. Pls advice Thanks.
Ans: Hi Pankaj,

It is really great that you have build a good amount at your age. Let us analyse all in detail.

You are looking forward to build a 10 crore retirement corpus in next 10 years. And your current investments include:
- PF - 50 lakhs; 40k monthly contribution will grow it to 2 crores in next 10 years.
- PPF - currently 2 lakhs. Any further contribution is not required as it gives only 7% tax free return. Rather redirect the monthly investment amount to aggressive mutual funds.
- SSY - currently 8 lakhs and further yearly deposit is good for you to continue.
- MF - currently 15 lakhs with a monthly SIP of 1.25 lakhs. This will grow to 4.5 crores if you do a step up of 10% with an assumed CAGR of 13%.
- Another major portion of your current assets is in real estate which offers less liquidity as compared to other assets. Total net value is 28 lakhs + 25 lakhs + 90 lakhs + 1 crore >> totalling to 2.4 crores and a loan of 67 lakhs. (not counting the self use flat as that is a necessity, not an asset that you will sell).

You are considering selling your flat worth 50 lakhs from which you will get 28 lakhs. You can reinvest this entire amount in mutual funds to meet education requirement for your daughter's education.
Although this amount will not be sufficient, you will need more monthly or lumpsum investment for this particular goal.

>> Your goal to reach 10 crores after 10 years will only fulfil if you liquidate another 1 or 2 properties that you hold. This will lessen the burden of education goal, release your EMI burden and increase your focus on increasing monthly SIP to more than double of the current value.

This way you can fulfil your goals. But make sure that the funds you are currently investing in are as per your risk appetite and other factors. Any misalignment can negate the overall required performance.
Thus it is better for you to connect with a professional advisor who will help you wrt mutual fund investment.

Hence do consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |571 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 21, 2026

Money
I need some advice on the investments which i have made - i am not sure whether they will be doing good not in the future 1) I have invested Rs 5 lacs JM Aggressive Hybrid Fund (Regular) in the year Oct 2024 oct but till date its not showing up good results as on date its on negative returns the invested value is 4,65651 with - 6.87% 2) Bank of India -Business cycle fund- Regular plan- Growth Invested 1 ) lac and its current value 87395 -12.60 3) JM small cap fund Regular growth option ( G) Investing through SIP mode Invested value so far -84995 and current value - 80539 Abs returns - 5.24% 4) JM Value fund Regular growth option ( G) Investing through SIP mode Invested value so far -84995 and current value - 81805 Abs returns - 3.75% ( since ) sep 2024 -- 5) HDFC Balance Advantage FUnd Regular plan Growth (G) invested value 5,00000- Current value - 521982 Returns - 4.40 % I am not complete sure what to do here Should i keep invested in this or do i need to switch to other funds . I am waiting on this from almost 1 year now but now seeing any growth but my broker through iam invested in this he is not giving me any good suggestion or advice .please help me here with the path forward plan .Iam not sure whether these funds will give me good returns in future or not ? please suggest
Ans: Hi Madhumohite,

The funds mentioned and selected by you are not recommended due to their concentrated nature, these will underperform for quite a while more and will take a good time to recover.
Markets are quite volatile and you should ideally wait for some more time.

In the meantime, avoid investing in new funds. Also please share how you selected these funds - your own research or someone's recommendation?
In either case, avoid doing that. Instead connect with a professional and he/ she will guide you appropriately.

HDFC Balanced fund is a good fund, rest all funds need reallocation.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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