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Kanchan

Kanchan Rai  |560 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 22, 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
Arifa Question by Arifa on Jun 21, 2024Hindi
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Relationship

I am 37 and my husband is 41....married for 13 years have a son ....12...and a daughter 10....want to have more kids ...but he has lots of familial...social and business responsibilities...also ...he smokes...but financially we both r comfortably well off..right now his business is a little difficult as he has to be in Mizoram...I am from central I doa n he is from Bangalore...I have lost both my parents....but have support of my siblings ..he has lots of issues with his mom sister... He has another wife n two daughters from her 6 and 4...that was a situation it happened...which I can't explain...right now...but anyways ...I have come to terms with it... What do I do to.convince him...he has already taken a lot of money and jewellery from me...plus inhave always been fulfilling joint family responsibilies...as all relatives kept coming to our house...wedding s engagements.and all...at our house....some wud even stay for months...now it's better but still our sex life...is very bad....very rare ..hardly any...he is good to me n is an upright man and an upright father ...

Ans: First, it’s important to take a step back and consider the broader context of your marriage. You’ve been together for 13 years and have built a life that includes managing extensive familial and social responsibilities. Your husband's current challenges with his business in Mizoram, coupled with his obligations from his other marriage and children, add layers of complexity. Recognizing and acknowledging these pressures is essential in understanding his potential hesitations.

When approaching the topic of expanding your family, try to create a space for open and honest dialogue. Choose a time when you both are relaxed and not distracted by daily stresses. Start by expressing your own feelings and desires gently. Share why having another child is important to you and how you envision it enriching your family. It’s helpful to frame this in terms of shared dreams and the joy that children bring, rather than focusing on it as a need or demand.

However, it’s equally important to listen to his perspective. Given the strain of his business and the complexities of managing multiple familial commitments, he might have valid concerns about adding more responsibilities. Explore these concerns with empathy and without judgment. Understanding his fears and pressures can open up avenues for finding solutions together.

Discussing his health, particularly his smoking, can also be a sensitive but necessary topic. Smoking can affect both his health and fertility, and it’s something that should be addressed openly. Encourage a conversation about his well-being, focusing on how improving health can benefit him personally and potentially improve your sex life, which you’ve noted has been infrequent. This could lead to exploring ways to enhance intimacy and connection, which might be a critical factor in your decision to have more children.

Financial stability, as you mentioned, is a positive aspect, but it’s essential to ensure that both of you feel emotionally and mentally prepared for another child. It might help to discuss how the financial aspects can support hiring help or making other arrangements to ease the burden of additional responsibilities.

Given the complexities with his other family, it's vital to consider how another child will impact all involved, including your existing children and his daughters from his other marriage. Ensuring that your household can provide the emotional support and stability for another child is crucial.

Given your supportive siblings, perhaps they could help in some ways, providing a bit of relief from your joint family responsibilities. This could potentially make the idea of expanding your family seem less daunting to your husband.

Finally, reflecting on your own needs and boundaries is equally important. If there are aspects of your relationship or family dynamics that feel unbalanced or unaddressed, consider seeking professional counseling. A therapist can provide a neutral space for both of you to explore these issues and find a path forward that honors both your desires and the realities of your life together.

In conclusion, approaching this conversation with empathy, understanding, and a readiness to listen and compromise is key. It’s about finding a balance that respects both of your wishes and the practicalities of your shared life.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 08, 2023Hindi
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Relationship
i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

Here are some steps you can consider taking:

Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

..Read more

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 01, 2023

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Relationship
today i m 49years old. on 25.09.2018 i got a proposal call from candidate's sister. everything was fine till 26.11.2018. His freind told something and his behaviour changed with me. 26.01.2019 his father expired. 31.01.2019 my uncle expired. iwent to my native place. we were in contact on call & whatsapp. when i return from my native place on 16.02.2019 He & his family refuse to marry. Till date we are in contact. Last year 9th may his mother is also expired. Now he is alone still he is refusing to marry. Before he used to tell that mother dont like you so till mamma is ther he cant marry. I love him very much as we were having physical relation also. Now its almost 5years in relation. How do i convince him to get marry Please advise
Ans: I'm sorry to hear about the difficulties you've faced in your relationship. It can be challenging when circumstances and external factors affect a relationship. However, it's important to remember that the decision to marry ultimately lies with both individuals involved.

Here are some suggestions to consider:

Open and honest communication: Have a heartfelt conversation with your partner about your feelings and desire to get married. Express your love and commitment, and try to understand his perspective and concerns. Encourage him to share his thoughts openly and honestly.

Understand his fears and reservations: It's possible that your partner may have fears or reservations about marriage due to the losses he has experienced. Listen attentively and try to empathize with his feelings. Show understanding and support, allowing him to express his emotions.

Seek professional help: Consider suggesting couples therapy or counseling. A professional therapist can provide a safe and neutral space to explore the issues in your relationship and help facilitate communication and understanding between both of you.

Patience and time: Healing from loss and overcoming personal fears can take time. Be patient and give your partner the space he needs to process his emotions and make decisions about marriage. Avoid putting pressure on him or rushing the process.

Focus on building a strong foundation: Work on strengthening your relationship outside of the context of marriage. Build trust, deepen emotional connection, and continue to support each other through life's challenges. A strong foundation can create a more solid base for considering marriage in the future.

Consider your own needs and happiness: While it's important to be understanding and patient, it's also crucial to prioritize your own needs and happiness. Reflect on what you truly desire in a relationship and consider whether you're willing to wait indefinitely for your partner to be ready for marriage.

Ultimately, the decision to marry should be a mutual one based on love, commitment, and shared goals. It's important to have open and honest conversations with your partner and seek professional guidance if necessary.

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Anu

Anu Krishna  |1563 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Sep 05, 2024Hindi
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Relationship
Hi, we had a love cum arrange marriage and we are married for 8 years now. My husband works under his rich friend and tells me that it is a partnership in digital advertising but even he knows he has not invested a single rupee and he his job responsibilities also include mere jobs like doing googlepay to watchman to buy groceries or vegetables. I dont feel he has a respectable job nor the stagnant financial income since years. We have one seven year old child and due to societal pressure and also coz of the long gap started to plan for a second child but failing to conceive. I still think if i should stop planning for a second child as I see him struggling with basic necessities of 1 child itself. I dont feel heard, I know he can do well in corporate but he wants to stick to this stagnant growth for his friend. He has zero savings while his friend has crores worth of property. He is just an employee to his friend and he doesnt understand that and gets bought by the fake positions given.
Ans: Dear Anonymous,
What exactly is your question for me? Since you haven't asked me one, I am just going to give you my observations and suggestions.

Your husband is possibly a lazy person OR scared of taking on anything due to fear of failure and is okay being stagnant due to these fears.
Please re-think your decision of having a second child until the time your husband assumes certain responsibilities that bring in steady income. Till your financial position is secure, there's no point in adding any sort of new responsibilities to your lives, right?
As far as what makes your husband do what he is doing, and sticking by his friend; there is not much information that I have...maybe you know this better...ask an elder male member from his family to speak with him and hope things fall in place.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Kanchan

Kanchan Rai  |560 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 28, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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Relationship
Hi I'm married women my husband is very loving we are now married for 4years we don't have children yet as I'm running 38 of my age and he is in his 41. We got arranged marriage post our marriage he worked for an year in a company were he used to work for last 10years due to some issues he got fired however later that he got few opportunity and worked in different companies for more or less 6months now he is jobless he is not taking things seriously but he wants to have children on this topic I said I won't be the alone person to bear the medical expenses I want you also to contribute the same I'm working in reputed MNC and he wants me to change my job as I work in shifts I'm getting paid handsome amount my concern is shall I think of making children as the inflation is high and expenses are increasing like thing. Some time I feel why I'm with this failure person I feels to get apart but he loves me alot need advice should I continue the relationship with him or get parted
Ans: When it comes to having children, your hesitation makes sense. Bringing a child into the world is a profound decision that requires emotional readiness and practical planning. If you’re feeling unsupported or uncertain about your husband’s ability to contribute—financially, emotionally, or practically—it’s wise to pause and reflect. Your decision to delay this step shows your self-awareness and your commitment to creating a stable and nurturing environment for a child. That’s admirable.

Your concern about his career trajectory is another important factor. A marriage thrives on mutual effort, and it’s reasonable to expect your partner to take responsibility for his own growth and stability. However, it’s also worth exploring why he’s been unable to sustain a job. Is it a matter of confidence, market conditions, or something deeper like a lack of motivation or direction? If he hasn’t been taking things seriously, as you’ve mentioned, it’s important to have a frank and compassionate conversation about how this is impacting both of you.

At the same time, his love for you seems genuine, and it’s important to recognize that. His suggestion for you to change your job might stem from a place of care, possibly concern for your health or the toll of shift work. However, if your current job provides financial stability and satisfaction, you need to weigh that against his concerns. Ask yourself: is this request aligned with what’s best for you both, or is it coming from his own discomfort with his current situation?

As you navigate these emotions, take some time to reflect on your core needs and values. What does partnership mean to you? Are your current frustrations a temporary phase, or are they reflective of deeper, long-term patterns in the relationship? It’s also worth considering whether he is open to making real changes. Has he shown willingness to take responsibility for his career and future? Does he listen to your concerns and actively work toward addressing them?

It’s okay to have moments where you question why you’re in this relationship—doubt doesn’t mean failure. It means you care enough to want something better for both of you. If you feel the love is worth fighting for, then it’s essential to have honest, open conversations with your husband. Express your feelings without blame and seek to understand his perspective as well. Couples counseling can also be a valuable tool to help you both navigate these challenges together and find a path forward.

However, if you find that the emotional and practical gaps in the relationship persist despite your efforts, it’s okay to ask yourself whether this partnership is meeting your needs. You deserve to feel supported, valued, and secure in your marriage. Whatever decision you make, let it come from a place of self-respect and a desire to build the life you truly want. You’re not alone in this, and reaching out for guidance shows how deeply you care about making the best decision for your future.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
I'd like to withdraw around 5% of my portfolio in mutual funds for an expense. As a long-term investor who started investing in 2015 and continues with SIPs, is it advisable to withdraw this amount during the current downturn?"
Ans: Withdrawing 5% from your mutual fund portfolio requires careful assessment.

Timing the market can be difficult, even for experienced investors.

You have been investing since 2015, which shows commitment.

SIPs ensure rupee-cost averaging, benefiting from market volatility.

The current downturn may not be the best time to withdraw.

Impact of Market Downturn on Withdrawal
Equity funds fluctuate based on market trends.

During a downturn, selling means locking in lower values.

If the market recovers, you might miss potential gains.

A partial withdrawal affects long-term compounding.

Assess if the withdrawal can be delayed.

Alternative Ways to Meet Expenses
Use surplus cash, if available, to avoid redeeming investments.

Consider liquid funds for short-term needs.

If you have dividends from funds, use them instead of withdrawing capital.

Emergency funds or savings accounts can be better options.

Selecting the Right Fund for Redemption
Avoid selling funds that are currently underperforming.

Look at funds that have met targets or are overweight in your portfolio.

If you hold sectoral or thematic funds, check their performance outlook.

Prioritize redeeming funds with minimal tax impact.

Tax Implications of Selling Mutual Funds
Long-term equity gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term equity gains are taxed at 20%.

Debt mutual funds are taxed as per your income slab.

Consider splitting the withdrawal to reduce tax liability.

Maintaining Your Long-Term Goals
Withdrawing 5% is manageable but can delay wealth accumulation.

Ensure SIPs continue without disruption.

Reinvest when possible to recover lost growth.

Avoid frequent withdrawals to maintain portfolio stability.

Finally
Selling during a downturn is not ideal unless unavoidable.

Explore alternatives before redeeming mutual funds.

Choose the least disruptive fund to sell if necessary.

Keep your long-term financial goals in focus.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Mar 21, 2025Hindi
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Money
Dear Sir Namaskaram. Myself: Male 53 yrs B.P. since 2017 Andhra Brahmin Farmer's family Wife: 43 yrs. Suffering GERD since 2013 Daughter : 12 yrs. Mother: 70 yrs B.P. since 2020 Syster: 51 yrs Unmarried. Suffering with Depression & Schizophrenia for the past 30 years.Diabetic & B.P. for the past10 years Can you please suggest Health insurance policy/ policies as no health insurance coverage of any type as of now. Thank you very much sir
Ans: Getting health insurance for your family is very important. Since you have pre-existing conditions (BP, GERD, diabetes, schizophrenia), some insurers may have waiting periods or exclusions. But you can still get coverage with the right approach.

 

Key Factors to Consider
Pre-existing Diseases (PEDs): Most insurers have a waiting period of 2-4 years for existing illnesses. Some plans may offer waivers with extra cost.

Mental Illness Coverage: Schizophrenia and depression must be covered under IRDAI guidelines, but insurers may still have conditions.

Family Coverage: Choose individual or floater policies based on needs.

Senior Citizen Coverage: Your mother may need a separate senior citizen plan due to age and BP history.

Cashless Hospital Network: Ensure the policy covers hospitals near you.

 

Best Approach for Your Family
1. Individual Health Policies for Each Family Member
Since your sister has serious pre-existing conditions, a separate policy for her is better.

Your mother should get a senior citizen plan with day-care and domiciliary coverage.

You, your wife, and daughter can take a family floater policy.

 

2. Super Top-up Plans for Extra Coverage
Base policies may not be enough for major treatments.

A super top-up plan can give extra coverage at a lower cost.

This helps in reducing premium costs while increasing coverage.

 

3. Critical Illness Rider
You should consider a critical illness policy.

Covers major diseases like heart attack, stroke, and kidney failure.

Provides lump sum payout in case of critical illness diagnosis.

 

How to Get Insurance for Your Sister?
Mental illness coverage is now mandatory, but many insurers still hesitate.

Some insurers may exclude pre-existing mental conditions.

If regular insurance denies coverage, look for state-sponsored health schemes.

 

Final Steps
Check waiting periods for pre-existing conditions.

Get cashless policies for easier hospitalisation.

Choose a Certified Financial Planner (CFP) or health insurance expert for the right selection.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |8122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

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Money
Hello sir, I have recently sold my flat and I have 55 lacs with me which I can park for next 12-15 years. Please suggest the avenues where I can get maximum wealth creation. I am 42 and and you can consider me moderate to aggressive investor. How much can be the realistic returns from PMS considering they charge high fees. Does PMS give more returns than MFs in 10 year horizon. Please suggest.
Ans: You have Rs. 55L available for long-term investment. Your focus is wealth creation with a moderate to aggressive approach. Let’s evaluate the best options.

Investment Avenues for Maximum Wealth Creation
1. Actively Managed Mutual Funds
Suitable for your risk appetite and time horizon.
Managed by experts who adjust portfolios based on market conditions.
Potential to outperform passive funds and PMS on a risk-adjusted basis.
Lower fees than PMS, ensuring better net returns.
Recommended approach: SIP + staggered lump sum deployment.
2. Portfolio Management Services (PMS)
Designed for high-net-worth individuals.
PMS offers customized stock selection with direct equity ownership.
Higher fees (fixed + performance-based) impact net returns.
Returns may be volatile, with no guarantee of outperformance over mutual funds.
Requires a longer commitment with limited liquidity.
3. Thematic and Sectoral Investments
Can boost returns but require careful selection.
Higher volatility compared to diversified funds.
Suitable for a portion of the portfolio (not more than 10-15%).
4. Gold ETFs or Sovereign Gold Bonds (SGBs)
Good for diversification but not ideal for aggressive growth.
SGBs provide 2.5% annual interest along with capital appreciation.
Should not exceed 5-10% of the portfolio.
5. International Equity Exposure
Helps in diversification and hedging against rupee depreciation.
Invest via actively managed international mutual funds.
Avoid direct stocks unless you track global markets actively.
Mutual Funds vs. PMS: A 10-Year Perspective
Returns Comparison
PMS may deliver superior returns if the fund manager picks outperforming stocks.
Actively managed mutual funds historically deliver 12-16% CAGR over 10-15 years.
PMS fees reduce effective returns, making them less attractive unless they significantly outperform.
Risk and Liquidity
Mutual funds provide easy liquidity.
PMS has lock-in periods and exit loads, making it less flexible.
Market risks exist in both, but mutual funds have regulatory oversight.
Tax Implications and Cost Analysis
Mutual funds have lower tax burdens with systematic withdrawals.
PMS taxation is like direct stocks, requiring individual filing for capital gains.
PMS charges (fixed + performance-based) can eat into returns.
Optimized Investment Strategy
Deploy Rs. 55L in a staggered manner over 12-18 months.
Allocate across large-cap, mid-cap, small-cap, and thematic funds.
Consider a 10-15% PMS allocation only if comfortable with higher risk.
Use SWP after 12-15 years for tax-efficient withdrawals.
Final Insights
Mutual funds remain the best option for wealth creation with flexibility.
PMS can work if you accept higher costs and volatility.
Diversify with a structured approach for long-term success.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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.

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