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Divorced woman, 40, regrets physical involvement with younger tenant, seeks advice

Anu

Anu Krishna  |1342 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 29, 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 - Nov 25, 2024Hindi
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Relationship

Hi. I'm divorced. I'm 40. I'm financially independent. Last year I rent out my apartment. He was 30 years old man. Somehow I got attached to him mentally and physically ( once) for very short period. All though I knew it doesn't have any future. But the thing hurts me most is after being physical he totally avoided me very rudely. Now I feel every awkward in front of him. I want to terminate the tenancy. Am I wrong????

Ans: Dear Anonymous,
No, you are not wrong in wanting to terminate the tenancy especially since it has become awkward now. Do find a good reason to ask him to leave and also try and find another tenant to occupy the place so that you are in no financial loss due to this.
Protecting your mind space is a good priority to have.

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  |1342 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 24, 2024Hindi
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Relationship
Hi Anu Mam, I'm 36 yrs. old my husband is 46 now we have 2 sons. Before marriage my husband was in love with another girl. under pressure of parents that girl married to someone else and left city. later few months we got married. For few days of marriage everything was good he used to treat me nice and use to take out for shopping outing etc. i got pregnant he same year during my pregnancy he had to go to abroad for office work for 8 months, so gap came between us. he completely changed he minimized talking, chatting with family. we ignored may be due to work pressure he became like that. later i came to know he is interested in meeting new ppl especially ladies going with them for lunch dinner n all. after few years he met ex-girlfriend without our knowledge stayed with her few days. so, years passed he ignored us and always scolding getting angry with little things he started maintain distance with us. after 8 yrs. again i got pregnant. He used to go for site visits to other places he stayed back at hotels going with other Females spending time with them. through Facebook he made lot of friends always doing videocalls and chatting with them. everything i knew but i confronted him he uses to scold and flies from the spot saying if u want to stay, stay or else get lost. because of kids i had to stay. now he is renting a house in a same city where we live, (agreement was in his laptop bag) and we don't know what is going on? he never shares and opens anything with us. I asked him many times if u don't want to live with me divorce. He never liked me in this marriage he is always treating me anger. I feel loneliness in my life. Need help what should i do?
Ans: Dear Anonymous,
It must surely be shocking BUT over the years I am sure you would have felt it all slipping away...
He's just in the marriage with no great emotional connect with you; I don't know how he's with the children.
Knowing that over the years, he has not any great attempt to work on the marriage and bond with his family, do you feel that he is going to do that in the future?
Rather than 'BEG' for his time and attention, what if you started to focus on yourself and your children and start afresh? He's anyway living elsewhere...can you take this opportunity and actually figure out what you want from life, from your marriage?
Are you willing to be unsettled like the way you are now even 10 years from now?
A few answers will hit you hard; BUT don't waste anymore time waiting and watching for someone to accept you. It maybe an endless wait-game.
Of course, you do have an option of asking an elder member of the family to step in and intervene and hope that he will have a change of heart. But, be prepared to take a strong stance where required. He's doing this even more as he realizes that you are weak and won't object and 'anything goes' with you.
NO, it doesn't, right? Then buck up and speak for yourself. Whatever it is, come from a place of strength. Try the route of familial intervention first and then a lot will be clear as the way forward for you.

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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Ramalingam

Ramalingam Kalirajan  |7173 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Asked by Anonymous - Jun 27, 2024Hindi
Money
For the last 1 1/2 years I have a tenant. Though he was regularly paying rent but he was very secretive person. He never talked much with us. Everyday he leaves the flat at 6 am and returns after 11 pm. He told us that he has a warehouse of a reputed company and for that he remains very busy. Last year he showed immense interest to buy our flat. We were also ready to sale it. He assured us that he will surely buy the property so we have not entertained any other buyer. But for the last 4 months he was behaving suspiciously. Everytime we asked him about the tentative date when he is ready to take possession, he unnecessarily avoided the question saying that his lawyer is very busy. When we contacted his lawyer, he said that he has no connection with that person for the last 4-5 months. When we crossed him, he behaved very rudely and told that he will not purchase it and from that night he has not returned in his flat. Now we want to send him an eviction notice as per our agreement as we are in urgent need of selling the property as my father is seriously ill and need to do some costly medical procedure. We do not have any duplicate key of the flat so now it is not possible also to show the flat to someone. Also he is not picking up the phone. Please help. Our agreement will end on 9th October, 2024.
Ans: I'm sorry to hear about the difficult situation you're facing. Dealing with a tenant who is uncooperative and has disappeared can be quite challenging, especially when urgent medical needs are involved. Here's a step-by-step approach to handle the situation effectively:

Understanding Your Agreement
Firstly, review your rental agreement thoroughly. Pay special attention to clauses related to eviction, notice periods, and tenant obligations. This will guide your actions and ensure you remain within legal boundaries.

Sending an Eviction Notice
Given the tenant's behavior and your urgent need, issuing an eviction notice is the right step. Here’s how to proceed:

Draft the Notice: The eviction notice should be clear and precise. Include the following details:

Tenant’s name and address
Reason for eviction (e.g., non-payment of rent, breach of contract)
The date by which the tenant should vacate the property
Reference to the specific clauses of the agreement being violated
Signature and date
Legal Considerations: In India, a minimum notice period is usually stipulated in the rental agreement. If not specified, a 30-day notice is typically considered reasonable. However, consult with a lawyer to ensure compliance with local laws.

Serving the Notice
Personal Delivery: If possible, deliver the notice personally. Ensure you have a witness present during delivery. This could be a neighbor or a friend.

Registered Post: If personal delivery is not possible, send the notice via registered post with acknowledgment due. This ensures there is a record of delivery.

Legal Recourse
If the tenant does not vacate after the notice period, you may need to initiate legal proceedings. Here’s what you can do:

Consult a Lawyer: Engage a lawyer who specializes in rental disputes. They can guide you through the process of filing an eviction suit.

File a Case: The lawyer will help you file an eviction suit in the appropriate court. This process can take time, so it’s essential to act promptly.

Court Order: If the court rules in your favor, they will issue an eviction order. The police can then assist in evicting the tenant if necessary.

Handling the Locked Flat
Given that you don’t have a duplicate key and the tenant is unreachable, you may need to take additional steps:

Legal Permission: Before attempting to access the flat, get legal permission. Unauthorized entry can lead to legal complications.

Police Assistance: If you have a court order, the police can assist in gaining access to the flat. They can also help ensure that the process is smooth and without conflict.

Addressing Urgent Medical Needs
Since your father’s medical needs are urgent, consider alternative financial arrangements while the eviction process is underway:

Loans: Explore options for a personal loan or a medical loan. Many banks offer these with quick disbursement.

Family Support: Seek financial support from family or friends temporarily until the property is sold.

Insurance: If you have any health insurance policies, check if they cover the medical procedures required.

Future Precautions
To avoid similar situations in the future, consider these precautions:

Tenant Screening: Conduct thorough background checks on prospective tenants. Verify their employment, check references, and ensure their credibility.

Clear Agreements: Ensure your rental agreements are clear and legally sound. Include clauses for regular inspections and maintenance visits.

Duplicate Keys: Always keep a duplicate key for the flat. This ensures you have access if the tenant becomes uncooperative.

Genuine Compliments and Empathy
Your proactive approach to solving this issue is commendable. It’s not easy to handle such stressful situations, especially with urgent medical needs. Your concern for your father’s health shows your dedication and love.

Final Insights
Handling a difficult tenant requires patience and legal guidance. Issue an eviction notice, consult a lawyer, and follow legal procedures to regain possession of your flat. Simultaneously, explore financial options for your father’s medical needs. Being proactive and seeking professional help will ensure a smoother resolution.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Milind

Milind Vadjikar  |725 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 29, 2024

Asked by Anonymous - Nov 28, 2024Hindi
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Money
Hi Milind, Hope this mail finds you well ! I plan to invest for my daughters aged 12 & 6 years old. I plan do STP for 10 years from a debt fund (where I will regularly keep adding money) into Flexicap & Small Cap fund, 10000 each per month . Inorder to save taxes I plan to get PAN card & Bank accounts of my children and invest in their name. To start with, I have identified HDFC Flexicap & Tata Small Cap fund. Are these equity funds good ? Which debt fund should I select for STP so that we get some interest and also keep investing for 10 years ? Is my strategy of investing in my children's name a good way of avoiding taxes or is there any risk in this approach ? Please advise.
Ans: Hello;

Source fund(debt) for STP has to be from the same fund house where your target fund(equity) belongs.

You may select liquid type debt fund for your STP, from risk and liquidity standpoint.

My suggestion would be to select funds from the top quartile in performance and from a big, reputed fund house.

Apply this yardstick to your fund selection.

To ensure neutrality of this forum, specific comments about xyz fund is generally avoided. Hope you appreciate this point.

Since kids are minor you or your spouse may have to be guardian for the minor folio and your KYC will be used to open and operate the same.

In case withdrawal is made before kids attain major status, tax implication will rest with the guardian.

Also after attaining major status fresh KYC of kids is mandatory before further contributions.

I suggest joint holding folios, for eg one folio may have kid as first investor with you as guardian and your spouse as joint/second investor and vice versa.

It may sound tedious but it's a one time thing and in the best interest of kids.

Happy Investing;
X: @mars_invest

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Sushil

Sushil Sukhwani  |558 Answers  |Ask -

Study Abroad Expert - Answered on Nov 29, 2024

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Career
Hi Sushil, my daughter is doing her Graduation in Psychology Hons and Research from Amity University Kolkata. She wishes to pursue higher education in Psychology for doing Masters and subsequent Doctorate abroad. Post completion of Master and Doctorate. Pls suggest for best options. Also should she settle abroad post studies or does India have better career options in Psychology in the near future? kindly suggest. Tanushyam Kanjilal
Ans: Hi Tanushyam,

Thank you for reaching out. It’s great to hear that your daughter is pursuing her graduation in Psychology and research at Amity University Kolkata.

Pursuing a Master’s and Doctorate from prestigious universities abroad, like UC Berkeley and King’s College London, would provide her with specialized courses in areas like clinical and corporate psychology, along with valuable research opportunities. These institutions also have a higher demand for psychologists, which can lead to faster career progression and global exposure.

While career options in India are growing, studying abroad can offer a broader range of opportunities. She should also consider attending international conferences to build networks and explore internships.

Ultimately, the decision depends on her career goals, preferred work environment, and the opportunities available to her after completing her studies.

I wish her all the best in her academic journey!

For more information, visit our website: www.edwiseinternational.com
You can also follow us on Instagram: edwiseint

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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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