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Anu Krishna  |1604 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 01, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Jun 29, 2024Hindi
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Relationship

I'm around 54 years married to a widow who had two kids around 14 years back. Her behaviour towards me most of the time is very rude. she doesnt keep anhy relation with my family members and always has a grudge on them without any reason, due to which i have no physical relation with her, just Im staying in the house. Now I have met a female who is married with two kids and working as a cleaning staff, her husband is useless and not working for the last four years and she is running her house with her salary. I have been meeting her for the last eight months and would like to continue the relation, even she is very much interested, but due to family constraints she is not able to come out of the married relation she has. I take care of her and her kids day to day needs. So how do I go ahead with is relation ? Im a bit confused

Ans: Dear Anonymous,
You are trying to search for a wife and a family in the other lady and her children; something that you are unable to find in your own home.
How much longer do you want to live two parallel lives? Decide whether you want to continue with your marriage and work at making it work...OR find solace with another lady and her family. 8 years is a long time BUT any relationship that comes out of a need ceases to exist when the need is over or gone. What will happen when this cleaning staff lady stops wanting your money or attention? Will you then jump into another relationship?
How you go ahead in this relationship is something only you will know. Someone is bound to get hurt...Also, you seem to definitely care about family. How will they react to all of this?
Consider a few important things before you jump to any conclusions...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Aug 05, 2024 | Answered on Aug 07, 2024
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Thanks Madam, for ur prompt advice. I would like to further ask a question on my subject. I understood that the female with whom I am having an affair has been hiding some of her banking transactions with me I asked her about the same but she said that there is nothing as such. . So i took her bank statement of last six months and came to know that she was playing some online games and had almost lost around 10k, So I asked her on this issue. She has got wild on me as to how could I take the bank statement without her knowledge and has stopped talking to me and has blocked my number. I dont think it was a mistake on my part of checking her account as I had a doubt and that proved true. Even then I pleaded to her and accepted that it was my mistake for tracking her account without informing her and also assured that it wont be repeated. But still she is very adamant and not ready to talk to me. So madam how do i convince her and get her back.
Ans: Dear Anonymous,
Surely you have the right to know where your money is being spent.
In fact, you could have told her upfront that you want to know what is happening with the money that you give her. Is it being used for household expenses? But it seems the lady has caught fancy with some online games.
Obviously, you don't trust her and that is the reason that you went behind her back to check on the money. And then you go ahead and apologize.
You have only given her a message that whatever she does with you or your money is fine. Do you need any more proof? Focus on your life better rather than jumping into relationships. Convince to get a lady back who has been hiding things from you? Do you not see how this is slowly turning against you? Hopefully, someday you will realize...
Stop and think and make the right decision...

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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Asked by Anonymous - Apr 30, 2024Hindi
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Relationship
To start with I am in my early sixties . We have a large WhatsApp group of undergraduate college batchmates where sometimes news about batchmates / their families get posted . A married lady batchmate, located in one of the metro cities reached out to me over phone to offer her condolences / sympathies for loss of a family member that I had suffered . While I didn't personally know the lady , found the gesture empathetic & touching . So when the next physical batch meet took place I sought her out to thank her and we chatted for some time too ! Subsequently , we started being in touch , she mentioned that she found my gesture ( asking her to sit besides me to chat up very affectionate ) both through chat and calls and started sharing about each other , even personal matters . And now it seems that the relationship is moving in to a clear zone of intimacy ! And we talk pretty affectionately and frequently these days and it seems we make a good chatting pair . She is pretty attached to her grown up children and probably with a non intimate, dysfunctional, unsatisfactory marriage dragging on . She says her relationship in her marriage has totally failed right from beginning but she has not been able to do anything about that so far . It seems that the children are with the mother ! I find her balanced, affectionate and would like understand if something akin to a long term relationship /companionship would be possible . So have asked her to share about me, about our mutual feelings to her kids . Have also sounded her that if her husband gets to know about this relationship - it might lead to a family issue including formal break up of her marriage. And I am truly concerned about that . But she is very wishy wishy in her ideas about possible course of action , way forward .And I don't want her to get hurt or disappointed nor I want to be placed in a emotional drag. My questions are 1. Can this relationship go anywhere ? And if yes , what is the minimum expected from her ? 2. Can we be just be chatting friends ? Doesn't seem so as we talk & share as if we are a couple ? 3. What should we both do to avoid any possible emotional trauma to each of us ? (A still active and adorable senior citizen without strings and without a care in the world )
Ans: Dear Anonymous,

I am glad you found a genuine companion. I understand that you both care a great deal about each other and that is rare in today's day and age. Now coming to your questions-

1) It most definitely can. But that depends on the course of action your partner is willing to take. I assume that neither one of you would like to formally tag it as a relationship till she is married to another man, no matter how the marriage is. So, in that case, your partner must have a clear discussion about the same with her husband and you can proceed from there. But going ahead and having a romantic relationship while she is married to someone else would not be ethical and even when she has every right to seek happiness in her life, it would be her who faces all the societal judgment.

2) You can be two friends chatting with each other. Friends do share a lot, even personal matters. Having said that, it did not sound to me that you are in that platonic friend zone anymore. You have grown to like each other a little more and given the circumstances, it is perfectly alright. But to be more than friends, it is important for your partner to first speak to her current husband and consider separating. But at the end of the day, it is her decision. If she doesn't want to formally end it, you would have two options. One, love each other in secret and never have the chance to show off your love to the world. Two, break it off and either try to remain friends or sever ties altogether.

3) Don't have unrealistic expectations. We are all guilty of it time and again. In this case, even though her marriage isn't perfect- you know and she knows it too- it isn't easy to let go of a relationship people spend years to build. Take things slow and let her make her own decisions. If you expect she will leave her marriage for you, you are setting yourself up for disappointment. It might happen, but then again, it might not. Focus on being each other's companion. You can't help how you feel, but that does not mean you have to act on it right now.

One more thing- if you can see yourself getting hurt, I would suggest reconsidering the relationship. Every relationship has in its capacity to cause emotional trauma. That's the thing about romance- it can make or break you.

Best Wishes.

..Read more

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Janak

Janak Patel  |41 Answers  |Ask -

MF, PF Expert - Answered on May 25, 2025

Asked by Anonymous - May 15, 2025
Money
I am 36 years old, earning around 1.6 lakhs per month, I have car loan for 7 years and paying 25000 per month, I bought a land property 3 years back and its current evaluation is 35 lakhs, I have a ulip plan of 2lakhs per years and the premium was for 7 years ( completed) and holding period is 3years, total fund accumulated is 22 lakhs. I have a liquid reserve of 20 lakhs. Can u tell me if I have to accumulate 8 crore at the age of 60 , what should I do?
Ans: Hi,

Lets look at your investments and see what you will be able to achieve at the age of 60.

ULIP - This is a insurance + investment product and as you have completed your premium term of 7 years you should be able to access this amount (now or 3 years later). It may seem to be a good product but I believe on both Insurance and Investments there are better products. First the insurance cover is not substantial and the charges are quite high. They will manage to invest the amount just like a Mutual fund. Its better to split insurance and investment. If you are looking at this amount like an investment, then the amount of 22 lakhs is available as a starting point, over the next 24 years if invested at 12% rate (typical returns in Mutual Funds), you will be able to accumulate 3.33 crores. You can buy a term life cover of a high value (much higher than the ULIP cover), for a very low premium and you should definitely get that and com out of the ULIP.

Savings of 20 lakhs - I suggest you keep about 10 lakhs aside in some FDs as your emergency fund - to be used only for any unexpected/emergency situation. This will grow to 40 lakhs at 6% over the next 24 years.
The remaining 10 lakhs should be invested in Mutual funds and at a 12% returns after 24 years this will accumulate into an amount of 1.51 crores.

Thus you can accumulate approx. 5.25 crores with these 2 amounts invested as above for the next 24 years.

To achieve 8 crores, you need to accumulate another 2.75 crores. If you invest 16500 monthly into similar investment (Mutual fund SIP) and assuming same return of 12%, you can accumulate this amount.

In this process we have not considered the land property you have, as its difficult to calculate its value without knowing its location and usage/type. So you can get some estimate for it in future then you can accordingly reduce the monthly SIP requirement.

Mutual Funds are a good investment option when you consider its long term benefits - as its managed by professionals. Its important to construct a good MF portfolio and with time of your side, you should be able to achieve your goal comfortably.

Consult a fee based Certified Financial Planner/Financial advisor who can help and guide you for this.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

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