Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Ganesh Question by Ganesh on May 02, 2024Hindi
Listen
Relationship

It's been a year since I am married. Till now I used to give all of my salary to my mother, but after birth of of my child my wife is insisting me on not to give any money to my mother.now my mother is overeating and causing so much trouble for me and my wife, what I can do to solve this?

Ans: Dear Ganesh,
acknowledge that both your wife and your mother have valid concerns. Your wife is likely focused on ensuring that your new family has the financial support it needs, especially with the added expenses that come with having a child. On the other hand, your mother may have grown accustomed to receiving your financial support and might feel anxious or threatened by the change.

Start by having an open and honest conversation with your wife. Explain your feelings and the importance of supporting both her and your mother. Emphasize that you understand her concerns and that you are committed to finding a solution that works for everyone. Discuss your household finances in detail, including your income, expenses, and savings goals, to get a clear picture of your financial situation. This transparency can help your wife see that you are considering the needs of your new family while also recognizing your mother’s situation.

Next, have a similar conversation with your mother. Gently explain the changes in your financial priorities due to the birth of your child and the needs of your new family. Assure her that you care for her well-being and want to find a way to support her that is also sustainable for your own family. Discuss potential alternatives to direct financial support, such as helping her budget more effectively, finding additional sources of income, or other forms of assistance that might ease her concerns.

It's essential to set boundaries that balance the needs of your wife, child, and mother. Consider adjusting the amount of money you give to your mother rather than stopping it altogether. You could allocate a portion of your income to support her while keeping the majority for your immediate family’s needs. This compromise can show both your wife and mother that you are committed to supporting them without neglecting your own family’s financial health.

If these conversations are difficult or if you find it hard to reach a consensus, consider seeking the help of a family counselor or financial advisor. A neutral third party can provide valuable perspective and help mediate discussions to find a solution that everyone can agree on.

Ultimately, the goal is to foster understanding and cooperation among all parties. By approaching the situation with empathy, transparency, and a willingness to compromise, you can work towards a solution that maintains harmony within your family and addresses the financial needs of both your wife and mother.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 24, 2023

Asked by Anonymous - Oct 23, 2023Hindi
Listen
Relationship
Because of my mother my married life is falling apart.. my mother does something purposely which hurts my wife and then quarrel starts. I pleaded my mother not to do so many times but she doesn't understand what we are loosing. I don't want to loose any of them family. Pls advice what should I do.
Ans: I'm sorry to hear that you're facing such a challenging situation. Balancing relationships with both your mother and your spouse can be difficult, but it's essential to find a way to create harmony. Here's some advice on how to handle this situation:

Communication: Open, honest, and empathetic communication is crucial. Sit down with your mother and your spouse separately and discuss the issue. Let them both know how much you care about them and the impact their conflicts are having on your life.
Set Boundaries: Clearly define boundaries with your mother and your spouse. Discuss what is acceptable behavior and what is not. Make it clear that you expect respect and kindness toward one another.
Counseling or Mediation: If direct communication doesn't resolve the issue, consider involving a neutral third party, such as a family therapist or counselor, to mediate the conversation. They can provide guidance and facilitate a constructive dialogue.
Prioritize Your Spouse: Your spouse should be your primary concern when it comes to your immediate family. Make sure your wife knows that you support her and are taking her concerns seriously.
Support Your Mother's Transition: If your mother's actions are rooted in a sense of loss or fear of losing you, reassure her that you still love her and that your relationship with your spouse doesn't diminish your love for her.
Time and Patience: Resolving family conflicts can take time. Be patient and persistent in your efforts to mend the relationships.
Self-Reflection: Reflect on your role in the situation and ensure you are not unintentionally contributing to the conflicts. Sometimes, small changes in your behavior can make a big difference.
Establish Separate Boundaries: If necessary, you might consider setting boundaries that involve keeping your mother and spouse apart if they can't peacefully coexist.
Remember, it's crucial to strike a balance and prioritize your spouse and immediate family. While maintaining a relationship with your mother is important, your marital relationship should come first. Seek professional help if the situation doesn't improve, as a therapist can provide guidance tailored to your specific circumstances.

..Read more

Kanchan

Kanchan Rai  |545 Answers  |Ask -

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

Asked by Anonymous - Jan 16, 2024Hindi
Listen
Relationship
Hi I am 64 years old. Still workig in a Private company. My mother is 85 years old and she is with me since my father's death in 1985. I have lost my brother in an accident in 1985. I have three sisters all are living in my city only. My mother is almost bedridden. My wife, 62 years old is a heart patient and recently she has fallen and her knee got fractured. My wife and my mother never liked each other and always quarrel. My mother , being very week and helpless, always scolds my wife. We have made an arrangement with a catering guy who takes care of my mother's lunch. But dinner i have to prepare everyday which i have been doing for the last 20 years. My three sisters often come to visit my mother and give her fruits etc etc to please her. The problem is they agree to keep my mother in their homes once in while for two or three days but i have to beg them always when i have to go for any functions or to visit places , temples. But they never come forward to support me even if i am sick or if i have to attend any marriages, functions. This gives a scope for my wife to quarrel with me and many times we have cancelled our tickets just to be at home to look after my mother. Please tell me what to do do. I am also becoming old and want to take my wife with me to attend functions and to show her the places, as a husband. And my wife always quarrels with me that if at this age when we are able to walk and capable of going to places, when can we go ? I am not able to convince my three sister(elder one is already bedridden so i can not ask her )_ nor i am in a position to do justice to my wife's pleas. Please suggest me.
Ans: Hello Sir,
It's clear that you're facing a challenging situation, juggling responsibilities between your elderly mother, your wife, and your own desire for some personal time. Balancing these caregiving responsibilities while maintaining a healthy relationship with your wife can be emotionally and physically exhausting. It's essential to find a balance that works for everyone involved, including yourself. Seeking support from your extended family, exploring professional caregiving options, and prioritizing open communication can contribute to finding a more sustainable and harmonious caregiving arrangement. Have an open and honest conversation with your sisters about your situation, expressing your need for support. Emphasize the strain it's putting on your relationship with your wife and the importance of having some time for yourselves. Consider organizing a family meeting where you can discuss the caregiving responsibilities and come up with a plan that works for everyone. This can help distribute the load more evenly and address any concerns or misunderstandings Explore the option of hiring a professional caregiver or nurse to provide assistance to your mother. This could ease the burden on you and provide a more structured care plan for your mother's needsTake care of your own health and well-being. Work with your sisters to establish a schedule for them to take turns caring for your mother. This way, you can plan your personal time in advance and ensure that your wife's concerns are addressed. Ensure you are not neglecting your physical and mental health in the midst of caregiving responsibilities.

..Read more

Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 04, 2024

Asked by Anonymous - May 16, 2024Hindi
Listen
Relationship
Hi Maam, I am married man. Its been 12 years of my marriage. My marriage was never a smooth. Now, My wife has put me in critical situation. My wife has taken away all my mothers gold and kept in her bank locker without my and my mother's permission. Now, my wife have given me two options. My wife's first option is; She will keep all of my mothers gold with her and take care of my mother. Second option is, if my wife returns all of my mothers gold to my mother then she will not take care of my mother and my mother should leave my home. My mother is saying that she will leave my home if she gets all her gold. My wife's and mother's relationship was never a good. I am in a trouble situation now. Kindly advise
Ans: Navigating family conflicts, especially involving your wife and mother, can be challenging.

Firstly, initiate calm and open conversations with both your wife and your mother separately. Listen to their concerns and acknowledge their feelings. This will help you understand their perspectives and motivations better.

Once you've gathered their viewpoints, consider bringing them together for a mediated discussion. A neutral third party, such as a family counselor, can help ensure the conversation remains constructive and focused on finding a resolution.

Explore possible compromises. For example, you might suggest placing the gold in a jointly accessed safety deposit box to address security concerns while ensuring your mother feels respected.

Set clear boundaries and expectations for the future to prevent similar conflicts. Emphasize the importance of family unity and mutual respect, and encourage both parties to work towards rebuilding their relationship.

Throughout this process, take care of your own well-being. Seek support from friends, a counselor, or engage in stress-relieving activities to maintain your strength and clarity.

By approaching the situation with empathy and a focus on open communication and mutual respect, you can work towards a resolution that respects both your wife’s and your mother’s needs, fostering a more harmonious family environment.

..Read more

Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 23, 2024

Asked by Anonymous - Sep 22, 2024Hindi
Listen
Relationship
Hello madam , my mother is too much obsessed with kid from me and my wife it's been 6 months of our marriage, she always compares with my siblings, but my situation is different but she is not understanding, I have already told her that I will let you know when we will plan please don't force but she is not understanding, now this month my wife got periods she went so upset and started blaming my wife that you must be taking some pills, we will go to doctor for checkup , Madam please advise how to handle her I am fully tired of her I don't know what to do I am not able to focus on my work
Ans: What’s really crucial here is that you and your wife stay united in how you handle this pressure. It’s essential that your wife knows you are fully supportive of her, and that you both are on the same page regarding your family planning decisions. If she feels that you’re standing by her side, it can help alleviate some of the stress she’s likely feeling from your mother’s constant comments and expectations.

When it comes to your mother, it may be time to have a firmer, more honest conversation. Instead of just telling her that you’ll let her know when you’re ready to plan, it might be helpful to share a bit more about how this pressure is affecting you and your wife. Explain to her that while you appreciate her desire to become a grandmother, her constant focus on this is creating unnecessary stress and is damaging to your mental health and your relationship. You may need to set some boundaries that are more definitive, letting her know that these kinds of conversations will no longer be welcome because they’re causing more harm than good.

It’s also important to stay calm and composed during these conversations. Your mother may not respond well at first, but if you remain consistent and clear about your boundaries, over time she might start to understand that you and your wife need space to make decisions on your own terms.

I know it can feel exhausting, especially when you’ve already tried to address this issue, but sometimes it takes repeated, calm, and firm conversations for boundaries to be truly respected. Your focus right now should be on protecting your marriage and your mental well-being, even if that means temporarily distancing yourself emotionally from your mother’s expectations. If things get too overwhelming, seeking professional guidance, either individually or as a couple, can also help you navigate the emotional complexities of family dynamics while keeping your relationship strong.

At the end of the day, your life, your marriage, and your future plans are yours to decide, and it’s okay to prioritize what’s best for you and your wife, even if it means disappointing others in the short term.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Listen
Money
I have taken a floating home from Axis Bank for 30 lakh last year, with a interest rate of 8.5%, i have also prepaid 5 Lakh within five months, now i have an outstanding amount of arround of 24 lakh, as the RBI reduced the repo rate, Bank is refusing to reduce interest rate from 8.5% to 8.25%. please suggest what should i do now?
Ans: You took a floating-rate home loan from Axis Bank at 8.5% interest.
You prepaid Rs 5 lakh within five months, reducing your outstanding amount to Rs 24 lakh.
RBI reduced the repo rate, but Axis Bank refuses to lower your rate to 8.25%.
Why Your Interest Rate Is Not Reducing
Banks do not always pass repo rate cuts immediately to all borrowers.
Some loans are linked to MCLR (Marginal Cost of Funds Based Lending Rate), which adjusts slowly.
New loans might be under RLLR (Repo Linked Lending Rate), which reacts faster to RBI rate cuts.
Your loan agreement decides how and when rate cuts apply.
What You Can Do
1. Ask for a Rate Reduction
Request Axis Bank to switch your loan to an RLLR-based loan.
Banks charge a conversion fee, but it might save you lakhs in interest over time.
2. Compare with Other Banks
Check other banks' home loan rates for balance transfer options.
If a bank offers a lower rate, consider switching the loan.
Ensure the processing fee & charges don’t negate the benefit.
3. Negotiate with Axis Bank
If you have a good repayment record, negotiate for a lower spread or margin.
Mention that other banks offer better rates, increasing your bargaining power.
4. Make Partial Prepayments
If you have extra savings, consider small prepayments to reduce interest burden.
Prepaying reduces the principal, which lowers total interest paid.
5. Use a Home Loan Overdraft Account
Check if Axis Bank offers a home loan overdraft facility.
You can park surplus money and withdraw when needed, reducing interest payments.
Best Action Plan
Contact Axis Bank and request a switch to an RLLR-based loan.
Compare other banks for balance transfer options.
Negotiate for a lower spread if staying with Axis Bank.
Consider prepayments to reduce long-term interest costs.
By taking the right step now, you can save a significant amount on interest payments.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
Listen
Money
I have sold a plot worth for 1.85 cr... I have bought a plot worth 1.4 cr... can i keep the remaining in my saving account for house construction or do i put the balance amount in a cgas account
Ans: Since you sold a plot for Rs 1.85 crore and purchased another plot for Rs 1.4 crore, you have a balance of Rs 45 lakh.

Capital Gains Tax Implication
Long-Term Capital Gains (LTCG): If the plot you sold was held for more than 2 years, the profit is considered long-term capital gains (LTCG) and is subject to tax.
Tax Rate: LTCG on real estate is taxed at 20% with indexation benefit.
Reinvestment for Tax Saving: You can save tax by reinvesting the gains in a residential property under Section 54F of the Income Tax Act.
Can You Keep Rs 45 Lakh in a Savings Account?
No, if you intend to claim tax exemption under Section 54F, you cannot keep the balance amount in a savings account beyond the due date for filing your Income Tax Return (ITR).
If you don't invest in a residential house before filing your ITR, you must deposit the unutilized amount in a Capital Gains Account Scheme (CGAS).
You must use the CGAS amount within 3 years for house construction.
What Should You Do?
If You Are Constructing a House
Deposit Rs 45 lakh in a CGAS account before the due date of filing your ITR.
Use this amount within 3 years for house construction to claim full tax exemption under Section 54F.
If You Are Not Constructing a House
The Rs 45 lakh will be taxed as LTCG, and you must pay 20% tax (after indexation benefits).
Consider other tax-saving options, like investing in bonds under Section 54EC (with a 5-year lock-in).
Final Insights
If you plan to construct a house, deposit the Rs 45 lakh in a CGAS account before filing ITR.
If you don’t use this amount within 3 years, it will be taxed as LTCG in the year of expiry.
If you don’t want to construct a house, be ready to pay LTCG tax or invest in 54EC bonds for tax saving.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

T S Khurana

T S Khurana   |364 Answers  |Ask -

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
Listen
Money
My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation
Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x