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Betrayed by Trust: Should I Stay in This Financially Oriented Marriage?

Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 19, 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 - Aug 15, 2024Hindi

Relationship

I am a 36-year-old woman who deeply valued the sanctity of marriage. I chose my husband carefully, valuing his polite nature, strong character, and religious values over material wealth, believing I had found a partner who aligned with my values.However, shortly after the marriage, I noticed red flags. His family seemed overly focused on my financial status, I overlooked all the taunts , disrespect everything initially, believing that as long as my husband was good to me, I could adjust. I treated his family as my own, I always buys them thoughtful gifts but that were never acknowledged or appreciated, even though my husband has never bought me any gifts to date. Despite this, I felt undeserving of their negativity.A few weeks into the marriage, I realized that my husband’s interest was also more about my financial contributions than love. He avoided responsibility and showed little concern for our future. Although he presents himself as a man of strong religious values, these values disappear when financial and cultural issues arise. He treats me like an outsider, and our relationship feels more like that of roommates.When I began to take a stand, things worsened. He failed to validate my emotions, frequently starting arguments and using hurtful language. He turns into something else during arguments, which scares me. Most of the time he treats me poorly, I even had to beg for his time . He also shares our private matters with his family, creating tension and emboldening their disrespect. Despite my efforts to bridge the gap, he remained silent when his mother disrespected me infrontof him, failing to defend me.My growing insecurity about losing my job, which is crucial for financial stability, has driven me to focus more on my career, even though I once prioritized family over everything.After almost 3 years of trying, I find myself in a situation I never imagined. The love and respect I hoped for are absent, and separation, once unthinkable, now seems possible. One part of me has accepted remaining alone forever rather than compromising my values or having children with such a man, while another part still hopes he might change if he starts loving me truly, despite doubts he will ever stand up for me as he only wants to be a good son.Should I stay in this marriage and work through the issues, or is it time to leave?

Ans: Dear Anonymous,
Ask yourself:
What if I stay in this marriage, what will gain and what will I lose?
What if I walk out of this marriage, what will I gain and what will I lose?

Given that you have seen the Red Flags and for reasons, you still are left wondering what you should be doing...Of course, if you feel that things might improve, your husband first needs to acknowledge that he has to change and also understand why he has to change. Right now, the way you describe, he seems to be on his own trip behaving oddly enough and not as a husband must. Do what needs to be done for him to realize this and also for the sake of your own sanity, do put a timeline to this entire thing, so that your patience is not tested. After that, you will have known that you have everything and more in order for him to realize and change and then taking decisions become easier and purposeful

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 Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Question by MK - Aug 05, 2022Hindi

Relationship

I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Question by MK - Aug 05, 2022Hindi

Relationship

I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

Read all of Anu Krishna's columns here!

Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Question by MK - Aug 05, 2022Hindi

Relationship

I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

Latest Questions

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi

Career

Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
• Cumbria Northumberland Tyne and Wear NHS Psychiatry Fellowship Programme
• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
• Dudley Group NHS Foundation Trust
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• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
• Imperial College, London - Clinical Research
• King’s College Hospital NHS Trusts – International Critical Care Fellowship
• King’s College Hospital NHS Trusts – Paediatric Critical Care Fellowship
• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
• Lancashire Teaching Hospitals NHS Trust - Overseas Registrar Development and Recruitment (ORDER)
• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
• Leicestershire Partnership NHS Trust – International Medical Fellowship Programme in Psychiatry
• Lincolnshire Partnership NHS Foundation Trust – CESR Fellowship in Psychiatry or Sponsored Fellowship in Psychiatry
• Lysholm Dept of Neuroradiology – National Hospital for Neurology and Neurosurgery, UCL
• Manchester University NHS Foundation Trust – International Fellowship Programme
• Midlands Partnership NHS Foundation Trust
• Ministry of Defence – International Military Clinical Fellowships
• Modality Partnership - Modality Primary Care International Fellowship Scheme
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• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
• North Lincolnshire and Goole NHS Foundation Trust (NLAG) Sponsorship Programme
• Northampton General Hospital – Clinical Fellowship in Regional Anaesthesia
• Northampton General Hospital NHS Trust - International Clinical Fellowship in Regional Anaesthesia, Vascular Anaesthesia, or Peri-operative Medicine
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford Eye Hospital
• Oxford University Hospitals NHS Foundation Trust – Oxford Intensive Care Medicine (OxICM) Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
• Rotherham Doncaster and South Humber NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Royal College of Anaesthetists – Global Fellowship Scheme (Anaesthesia or ICM)
• Royal College of Anaesthetists – MTI Scheme
• Royal College of Emergency Medicine
• Royal College of Obstetricians and Gynaecologists – MTI Scheme
• Royal College of Ophthalmologists
• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
• Royal College of Physicians of London
• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Aug 02, 2024Hindi

Career

I’m mbbs final year student from Kathmandu university want pg medicine from UAE

Ans: You have provided very limited information. I understand that you are a student from Kathmandu University and wish to pursue higher education in medicine in the UAE. To provide a more accurate response, I need the following details:

What is your nationality? (Based on your nationality, I can check the relevant requirements from the health department regarding courses and internships).

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Dec 20, 2024Hindi

Career

Sir my son has 92 percentile in cat 2024..what are his scopes of admission.

Ans: Hi Sir,
You have provided very limited information to obtain the details. However, the percentile of the candidate will not solely determine the admission process. Other factors are also involved, including:

- Course
- Institution
- Caste
- Creamy layer
- Gender

But, there may be possibilities for admission to the following IIMs: IIM Visakhapatnam, Udaipur, Bodhgaya, Shillong, and Rohtak.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.

Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Kanchan Rai |444 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Question by Kevin - Dec 19, 2024Hindi

Relationship

I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.

Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Money

My Question is for New Tax Regime for Financial Year 2024 – 25. Total gross Income is Rs.9 lakhs and along with that income from share / stock trading i.e short term gains of Rs. 1 lakh. Could you please help me advise if what would be the tax liability?

Ans: 01. Considering your Income of Rs.9.00 lakhs as business income & Rs.1.00 lakh as STCG on securities, without any tax savings, your tax liability would be around Rs.62,400.00 in New tax regime. If we opt for the old tax regime, your tax liability would be much more than this.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Question by SA - Nov 11, 2024Hindi

Money

I got a residential property through will from my mother,,property is 30 years old and i am planning to sell it, in that case i am going to get Rs 165lacks,, what will be the tax implication and how to avoid the same kindly advise i am 55 years old married man with a daughter

Ans: 01. In this case, you would be subjected to LTCG (Long Term Capital Gain) tax.
02. To work out LTCG, you should reduce its Cost from the Sale proceeds (Rs.165.00 lakhs).
of property, which was costed to your mother.
03. However, following details may help you to assess your tax liability.
Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
04. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
05. To avoid tax, you may invest in purchase of some house property. Exemption available would be minimum of Cost of new house property or the LTCG, which ever is less.
06. You have the option to purchase Capital Gain Bonds of NHAI etc., for tax saving.
07. Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Money

Hello Sir, I worked in a Pvt Ltd company from 2006 to 2011, and they had their own PF trust. The company was later sold off to another firm. I still haven't withdrawn the my PF amount. How will i be able to do that. I have the PF number and ESP number. Since this was before 2011 , my UAN is not linked to this account. How will i be able to retrieve my PF amount that is still stuck here.

Ans: Kindly keep in touch with your previous employer (present owner of the company), in this connection. There should not be any problem in getting your PF amount, except certain formalities/ forms to be submitted.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Dear Guru. I have inherited a property in Mumbai from my deceased father which was purchased in 1983 by him. If today i sell the property which is worth 2.60 Crs whats my capital gains tax and how will it be calculated

Ans: 01. In absence of exact figures, it is not possible to calculate your Capital Gains Tax. However, following details may help you to assess your tax liability.
02. Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Question by Anil - Dec 20, 2024Hindi

Money

Top4 sips with 15k amount suggest me

Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

See more questions »

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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