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Ravi

Ravi Mittal  |589 Answers  |Ask -

Dating, Relationships Expert - Answered on May 30, 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
TRS Question by TRS on May 29, 2023Hindi
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Relationship

This is the first time that i'm having a crush on a boy. He is in my college. For the past few years i am looking him, but never managed to talk to him, i want to talk to him and tell him about my feelings, please help me how do I start?

Ans: Dear TRS,

I am glad to know you are finally thinking of talking to your crush. There is nothing to be worried about; be brave, go up to him, and introduce yourself. Don't start with, "Hey, I like you." Instead say something like, "I have seen you here a couple of times. Which year are you in?" Something that will get the conversation started without making it too obvious that you have a crush on him and yet leave some hint of that being a possibility. Just to be on the safer side, prepare some conversational topics in your mind.

If you feel awkward, understand that it is normal. It's a big step and the important part is that you are ready to take it. You can do a little digging on him and find something common between the two of you and talk about that. Once you notice him reciprocating the same interest in you, you can confess how you have been feeling. But my advice is to talk to him for a while, as a friend, evaluate the guy, and then tell him about your feelings. You have only known him from far away; what if you don't like his personality? Take the time to know him; if he's the right person for you, things will work themselves out.

Best Wishes!

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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2022

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Dear Love Guru Offline college has started and, in the very first week, I have really, really liked this boy. I am not a frivolous kind of person and I never thought something like this would happen to me college. We don’t know each other really, we are just classmates. It’s all very awkward for me and my friends can see I like him and they tease me. It will be worse if he comes to know. I cannot discuss this with my family, I don’t want advice from my friends who are my age. Can you tell me what I should do now? Confused
Ans:

It’s just a college crush, my dear…nothing to get so uptight about. It’s normal at your age.

You can tell your friends you don’t want him to know, but so what if he does? Maybe he likes you too or will ask you out?

There’s really no set course to follow in these matters. Just enjoy your college days and years!

 

Dear Love Guru
This is not exactly a love problem but kind of related.
My ex and my good friend are engaged and it’s left me feeling very awkward.
It’s uncomfortable to see her with him.
I don’t want to give up the group or them because we are all very good friends.
Everyone’s struggling to adapt to the new dynamics and I’m feeling bad.
How do I handle this?

The way you’re feeling is perfectly natural and this situation is more common than you think.

I know of someone who has been in the exact same position as you and he was the bigger person back then.

Today, things are so normal between him and the couple; they’re still good friends and laugh about what was a few years ago.

My point is, what you want to achieve -- a new normal -- is very possible.

Since you’re all within the same group, I’d suggest riding things out. You make an effort to normalise things and they will do the same. The new dynamic will become the norm in time, you’ll see.

Let time take away your discomfort. It will.

 

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Ravi

Ravi Mittal  |589 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 03, 2024

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Nitin

Nitin Narkhede  |68 Answers  |Ask -

MF, PF Expert - Answered on May 19, 2025

Asked by Anonymous - May 18, 2025
Money
I am 47 years old, have saved approx 2.3 crs through mutual funds, nps, epf, etc. I save around Rs1.25 lacs pm. I wish to work for 5-8 more years. My son is in 12th and wants to pursue engineering. I live in office provided lease accommodation and dont own any house. Is purchasing a house in my name necessary or can I just continue to save for retirement and stay on rent? Will the corpus be enough when i retire after 5-8 years?
Ans: At 47, with a solid corpus of ?2.3 crore and monthly savings of ?1.25 lakh, you're on a strong financial path. If you continue saving for 5–8 years, assuming modest growth (10% annually), your corpus could grow to around ?4.5–5.5 crore—potentially sufficient for a comfortable retirement, especially if expenses are kept in check.

Buying a house isn’t strictly necessary unless emotional security or future housing stability is a priority. Renting can remain viable if you're disciplined with investments and ensure rising rents don’t strain your retirement income. You may also consider buying a smaller house closer to retirement, funded partially by your corpus, without compromising long-term returns.

Also factor in your son’s engineering expenses in the next few years, which could temporarily reduce your savings rate. Ensure you’re adequately insured (life and health) and have an emergency fund. A financial plan aligning your retirement income needs with inflation-adjusted expenses will help fine-tune your decisions.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Nitin

Nitin Narkhede  |68 Answers  |Ask -

MF, PF Expert - Answered on May 19, 2025

Nitin

Nitin Narkhede  |68 Answers  |Ask -

MF, PF Expert - Answered on May 19, 2025

Money
Dear Sir, Me and my wife are 39 years old, our total in hand income from salary is 1.3 lakhs. I have a car loan EMI of 28100, 4 yrs left in tenure. We have personal loan EMI of total of 25k monthly and 4 yrs remaining. We have invested in 3k monthly in PPF and 6k monthly SIP in MF (both of us incuded). We pay rent of 26k per month. Our kid is 2.5 yrs old and we have put him in daycare as we have to go office. Daycare expenses are 9k per month, including his 3 times meal. Petrol expenses are 7k per month (have to take our own car as using public/shared/office transport takes additional 1 hr to an fro from office). Broadband and moble connection together costs us 2.2k per month and Electricity is 1.8k per month. Remaing amount is spent in Groceries+Misc. We dont have any gold/own house/land/parents house or any savings left nor do we have any cash left. We dnt have any insurance for neither of us. Our child is growing and we need money for his education and futue, we need to buy a home for ourself. How to plan for our child's education and future and our retirement and our income and our future.
Ans: Dear Deepankar,
At 39, with a child and heavy EMIs, focus first on stability. Get term insurance (?1 crore each) and family health insurance (?10–15 lakh). Build a 3-month emergency fund by cutting discretionary spends. Consider refinancing loans to reduce monthly EMIs. Pause SIPs temporarily; restart once debts ease. Shift to a more affordable rental if possible. Delay home buying until finances improve. Track every expense and optimize where possible. Later, restart SIPs for your child’s education and your retirement. Discipline and clear priorities now will secure your family's financial future. Consult a financial planner to structure goals and investment strategy effectively.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1291 Answers  |Ask -

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