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Kanchan

Kanchan Rai  |398 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 29, 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
Mahendra Question by Mahendra on Jun 29, 2024Hindi
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Relationship

Hi I am 44 years old and divorced twice. I have married second time due to family pressure and emotionally, but the same has not been succeed because I was in love with my first spouse and our daughter. I have completed all legal formalities for the same and there is not any legal binding with anyone. I have one daughter who is 15 years old with my first spouse. After long time I realised that I am in love with my first spouse and my daughter. I never seen to my first spouse after divorce since 2009. But I used to go and meet my Daughter on her Birthday to wish with the permission of inlaws. They respect my Father and Sister. I got divorced from my first spouse due to my mistakes which have done unknowingly in 2008. I have written letter to my first spouse and my daughter to ask for sincere apology.Also they knows about my second marriage and divorce also. I am staying alone and my question is whether we will succeed if my first spouse will agree to reunite again with my daughter. Also need some tips to stay happily with them. I have never seen to my spouse after divorce but only mate to my daughter but still I love her. Also give Tips for how can I convince to my first spouse for reunite. My desire will fulfill if we reunite again. Need your advice . Thanks

Ans: Hello Mahendra,
I can sense the depth of your emotions and the genuine desire to reconnect with your first spouse and daughter. It's clear that you’ve spent a lot of time reflecting on your past and understanding where things went wrong. This self-awareness is a crucial first step towards any meaningful reconciliation.

Rebuilding a relationship after many years is a delicate process. It involves not only rekindling the love and connection you once shared but also addressing and healing the past wounds. Given that you haven't seen your first spouse since the divorce, it’s essential to approach this situation with patience, empathy, and a deep respect for her feelings and boundaries.

Start by opening a line of communication. A heartfelt letter or message can be a good way to express your thoughts and feelings without overwhelming her. Share your reflections on the past, your realizations about your mistakes, and how you’ve grown as a person. Let her know how much you value the possibility of reconnecting, not just for yourself but for your daughter’s sake as well.

When you write or speak to her, be prepared to listen as much as you talk. She may have her own perspectives and feelings about the past that need to be heard. Respect her space and her process; reconciliation is a journey that you both must navigate together, at a pace comfortable for both of you.

In your interactions with your daughter, continue to show her your love and commitment. Build on the moments you’ve shared and let her see the positive changes in you. Your consistent presence and genuine efforts will speak volumes.

If your spouse is open to it, consider suggesting professional support, like family counseling, to help navigate this complex process. It can provide a safe space to address old wounds and rebuild trust.

Remember, the path to reconciliation is rarely straightforward. It will require patience, understanding, and a willingness to work through the challenges together. By showing your commitment to change and your deep love for your family, you create the foundation for a potentially beautiful new chapter in your lives.
Asked on - Jun 29, 2024 | Answered on Jun 29, 2024
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Thanks for your valuable advice.
Ans: pleasure

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Anu

Anu Krishna  |1287 Answers  |Ask -

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

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Hi I am 41 years old and divorced twice. I have married second time due to family pressure and emotionally, but the same has not been succeed because I was in love with my first spouse and our daughter. I have completed all legal formalities for the same and there is not any legal binding with anyone. I have one daughter who is 15 years old with my first spouse. After long time I realised that I am in love with my first spouse and my daughter. I never seen to my first spouse after divorce since 2009. But I used to go and meet my Daughter on her Birthday to wish with the permission of inlaws. They respect my Father and Sister. I got divorced from my first spouse due to my mistakes which have done unknowingly in 2008. I have written letter to my first spouse and my daughter to ask for sincere apology.Also they knows about my second marriage and divorce also. I am staying alone and my question is whether we will succeed if my first spouse will agree to reunite again with my daughter. Also need some tips to stay happily with them. My desire will fulfill if we reunite again. Need your advice . Thanks
Ans: Dear Mahendra,
It is unfortunate that you had to go over marriage twice to understand what could have been avoided.
Now, whether your wife from the first marriage also shares the same feelings of love and affection towards you cannot be assumed. She might have moved on in her mind and heart, so to build up a fairy tale life with her and your daughter may cause you pain.
Maybe instead of building stories, why not have a frank discussion with them (your daughter is old enough to be a part of this). Kindly keep an open mind as they may not be willing to reunite. If they are also willing to, then take things slow...Don't suggest them moving in with you and try and create the same environment like the way it used to be when you were married.
Time changes a lot of things and this must be handled with a lot of care and caution. Your ex-wife, will also be very watchful about all the things that have hurt her previously. So, be very patient with her.

But if the answer is a firm NO from them, kindly respect it and let it be...2009 is a long time ago and much would have changed in them and you; cherish what you have with them...focus on building a good relationship with your daughter. After all, you can't assume that one letter of apology will change their hearts.

Bring up the topic with your ex-wife, but be prepared for an answer either way.

Best wishes!

..Read more

Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2023

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Relationship
Hello Anu Ji, Thanks for giving Your valuable time and Precious advice & feedback on my Question. I have no words to express my feeling that after so long somebody tried to understand me & my POV and above all helping in raising my moral & recognizing my ability in this messy and confusing state of mind. In your response you ask me to introspect few questions and tell u honestly I did that in alone . In those answer few were as clear as Crystal. But few of them confused me. I will be mentioning what u asked me to asked myself ……and what I have answer for that Questions. 1. - how will I keep my relationship with my daughter after my marriage? Answer :As in my divorce settlement she will be staying with her mother and since Nov2016 I have not seen her and not knowing nothing about her But praying to the almighty for the wellbeing for here all the time. 2. - am I carrying any fear/anger from the previous marriage? Answer: Yes, it is. There is lot anger, frustration which I have buried in the grave yard of my Heart . but the soul is still alive. its really very easy in words to say “MOVE ON”, try to forget the past , Forgive the person …. Let the karma do its course. It’s not easy ,when a person’s life has change 360degree.Madam ,since 2010 to 2017, I had face so much , u can’t imagine and I wouldn’t be able to describe. Those 8 yrs. are hell for me and for my parents. U know the saddest Part of this separation is who suffer the most after me is my Daughter . She & myself is and will be missing each other as Father &Daughter. After my divorce in 2017 , I have moved on so long in my life but there is something which dragging me back. 3. am I completely ready to commit to a marriage? Answer : this is the question which is annoying me, I’m not able figure it out . About my commitment , yes I am very much clear about this , I was, am & will be committed , to my relationship. But I have Trust issue’s. Right now I can say this only . Getting Married is just settling down in life is the core issue presently in my life ,not pleasing someone. I am not in that state of mind to please anybody as I am already seeking help to be Happy and in the search of the happiness which I lost .U know Time is great healer…….. & heal the biggest of the biggest wounds………but in the end leave with scar on ur mind for rest of the life . In the end , I would say I have a lot to share , lot to discuss , but there are some constraints. Hoping that ……I may have able to give You my POV to understand my current state of mind . Thanks R@@J
Ans: Dear Raaj,
Thank you for reaching out again.
You seem to have done your bit to reflect deeper which is amazing. Yet, with my experience of working with people on relationships, I can tell you one thing...
Never get into a relationship till you find the heart to trust again as trust is the only thing that will keep any relationship strong and that will happen only after the ANGER eases into something more useful. Is this possible, YES! Kindly seek the help of a professional who will help with this inner work on releasing anger and building trust. This person will be able to fathom your POV and guide you aptly.
Remember, the next person who you are seeking to engage with, will expect a person who trusts and loves; so, that's why heal from one before you get into another relationship. I am sure you understand this well.

All the best!

..Read more

Kanchan

Kanchan Rai  |398 Answers  |Ask -

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

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Relationship
Hi I am 41 years old and divorced twice. I have married second time due to family pressure and emotionally, but the same has not been succeed because I was in love with my first spouse and our daughter. I have completed all legal formalities for the same and there is not any legal binding with anyone. I have one daughter who is 15 years old with my first spouse. After long time I realised that I am in love with my first spouse and my daughter. I never seen to my first spouse after divorce since 2009. But I used to go and meet my Daughter on her Birthday to wish with the permission of inlaws. They respect my Father and Sister. I got divorced from my first spouse due to my mistakes which have done unknowingly in 2008. I have written letter to my first spouse and my daughter to ask for sincere apology. Also they knows about my second marriage and divorce also. I am staying alone and my question is whether we will succeed if my first spouse will agree to reunite again with my daughter. Also need some tips to stay happily with them. My desire will fulfill if we reunite again. Need your advice . Thanks
Ans: Reconnecting with your first spouse and daughter after such a long time is a deeply emotional journey, and it's understandable that you're feeling a mix of hope and anxiety about the future. Given the history you’ve shared, it’s clear that your intentions are sincere, and you’ve done a lot of reflecting on your past mistakes. Here’s how you might approach this situation as you seek to rebuild your relationship.

First, it's crucial to approach your first spouse with patience and understanding. It’s been many years since you were last together, and while your feelings of love have resurfaced strongly, her emotions may be more complex. She might need time to process your apology and the idea of reuniting. This process could take time, so it’s important not to rush her or pressure her into making a decision quickly. Rebuilding trust, especially after a long separation, is a gradual process.

Your relationship with your daughter is also central to this. Since you've made the effort to maintain a connection by visiting her on her birthdays, that’s a positive foundation. However, your daughter is now a teenager, and her feelings about you reuniting with her mother could be complicated. It might be helpful to have open and honest conversations with her, letting her know how much you care about her and her mother, but also respecting her feelings and concerns.

If your first spouse is open to the idea of reuniting, it will be important to acknowledge the mistakes you made in the past and show that you’ve grown from those experiences. Demonstrating your commitment to change and being a better partner and father will be key to winning back her trust. Actions will speak louder than words, so be consistent in showing her that you’re serious about making things work this time.

As for staying happy together if you do reunite, communication and mutual respect are essential. Be open about your feelings, listen to hers, and be willing to work through challenges together. Relationships require effort from both sides, and it's important to approach this with a mindset of partnership rather than trying to “fix” things alone.

Remember, it’s possible to rebuild and even strengthen relationships after hardship, but it requires time, patience, and a genuine commitment to making it work. Your desire to reunite with your first spouse and daughter is deeply meaningful, and with care and dedication, you have a chance to create a new chapter together.

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Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 05, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

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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Radheshyam Zanwar  |1033 Answers  |Ask -

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Asked by Anonymous - Nov 08, 2024Hindi
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Career
Hello! I am looking to change my career. Currently, I work as a DTP Operator and Graphic Designer in my maternal uncle's offsset printing press business. My father passed away 8 years ago, so my maternal uncle has taken on the responsibility of me, my mother, and my brother. I have been working under them for the past 5 years as a favor of them. However, there has been no financial growth or development in my current position. But maternal uncle asks me to continue to work with them as their childrens are out of their Offset Printing profession. So they expect me to handle the business in future. But this will not happen. Also I'm not sure of the future scope of Offset Printing Press profession due to digitization. Though my mind is telling me to change profession, as of my financial condtion is weak I would have to start again from zero. I am feeling unsure about what to do?
Ans: Hello.
Presently you are working as a DTP operator and Graphic Designer with your uncle. It seems that due to financial problems, your uncle might be taking undue advantage of your situation and taking it granted that you must work for him and his printing press as a bull for 24x7. You said, your uncle's children are not interested in running the printing press. Hence he is expecting to handle the business in the future. I think this is a golden time to negotiate with your uncle from a business point of view and put some terms and conditions in front of him. You must overtake the printing press fully in your control and share some part of the profit with him. Remember, you are young, have solid experience of 5 years and the most important thing is that, your uncle is not dependent on you only. This makes the situation in your favor. If your uncle is not ready to hand over the printing press business to you, then you have an option to search for another job and tell your uncle also in this regard. I can fairly say, your uncle will not think to lose you under any condition. In life, nothing is impossible, With the hands-on experience of 5 years, you may job in an advertising company and a reputed publishing house. Related to your insecurity feeling, even though you are working with your uncle, you are feeling insecure. Hence either force your uncle to accept your terms and conditions or leave him without any hesitation. Try with new people, new organizations, and new opportunities. A little change will make a big change in your life.
Best of luck for your bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Ravi

Ravi Mittal  |402 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024
Relationship
I (27M) am well Educated & well settled in a High-paying Job. Tall, Handsome & Fit. I am a Sociable & Outgoing person, but I never had a Girlfriend because I believe in having an Arranged Marriage with a Girl from the same Community, who's Family background is known to Parents. I strongly believe in abstaining from any kind of Sexual Intimacy until I get Married, due to my Personal, Moral, Ethical, Emotional as well as Religious & Socio-cultural Values. I'd want to experience even my First Kiss, only after getting Married to my Life Partner. And obviously, I expect my Future Life Partner also to Share similar Values. I cannot settle for Marriage with a Girl who had Pre-marital Sex (or even Kissed) anyone else in a Romantic Relationship, prior to Marriage. I would Reject such a Girl, however Beautiful, Well-Educated & Well-Earning she might be (all other Qualities being Subjective). Now, my Family has started looking up suitable Brides for me, within my Community. The Problem is that most Girls of our Community, in this Generation, are Well Educated & Financially Independent, staying in Cities, away from Parents & most of them, probably had Romantic Relationship(s) & experienced Physical Intimacy, at any Base Level. I know this by closely observing & discussing with many Girls of my Community (including my Female Cousins, Female Friends & Neighbours etc). They all are ridiculing me for my Preferences & advising me to forsake my Values, as they are Outdated in this Age. Now, I am Worried that I might never get to Marry a Girl who shares my Values. My greatest Fear is not ending up Unmarried, but getting Married to a Woman who lies about her Past (I consider it as Cheating). Can you please advise me on, how can I be absolutely Sure that a Girl is an Un-Kissed Virgin? How do I bring up this topic with any Girl before Marriage & ask her, without coming off as Creepy? How can I be Sure whether the Girl is being absolutely Honest about her Past or not? What are some other ways to find out about the Past of a Girl, apart from having an open conversation with herself? Please advise me regarding this, my Heart is not letting me foresake my Values, which are my Core Principles. I am willing to compromise on some other Qualities i.e., I'd happily settle down with a Girl who's Below Average in terms of Looks, Education & even Unemployed, as long as I can be Sure that she's an Un-Kissed Virgin. How can I be absolutely Sure of that?
Ans: Dear Anonymous,
You don't have to forsake your values based on others' opinions of it. If it makes you happy, you should stick to it. Having said that, you cannot force the same values on others. I understand you want a partner who has a similar mindset. The only way to get what you want is an open conversation- when you speak to a match, you can open up about your outlook and clear it from your end that you want the exact same values in your partner and politely request them to reject the alliance if she has any past relationships or has been intimate with anyone in any form. Let her know that you are not judging her, but this part is very important for you. Make it about yourself, because it is. Do not let the woman feel that there is some flaw in her, or start investigating her past.

Now, coming to your other query, how to be absolutely sure that she is telling the truth about her experiences- there is no such technique. You have to trust her. Moreover, you should understand that as much as you believe your values are important, trust in your partner is equally important in having a healthy and happy relationship. While you work on finding the partner of your choice, work on having a little more faith in people.
Hope this helps.

Best Wishes

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Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |121 Answers  |Ask -

Physiotherapist - Answered on Nov 08, 2024

Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

Money
Hello Sir, I am now 45+ now and investing through sip since last 5 yrs in 1) 3k in sbi small cap, 2) 4k in axis small cap, 3) 3k in nippon small cap, 4) 4k in mirea asset emerging bluechip, 5) 6k in hdfc mid cap, 6) 4k in kotak flexi cap, 7) 6k in parag parikh flexi cap, 8) 4k in icici pru value discovery. Risk high and tenure 15-20 yrs for asset allocation. Sir is it necessary to change any fund?
Ans: you have built a diverse SIP portfolio with various equity funds. Your disciplined investment over the last five years shows commitment to wealth building. With a high-risk tolerance and a long-term goal of 15-20 years, let’s take an in-depth look at your fund choices. I’ll provide insights to help you optimise this portfolio further.

Strengths of Your Current Portfolio
Good Diversification: Your portfolio includes funds from small-cap, mid-cap, flexi-cap, and value categories. This spread across segments is a strong approach to capture growth across the market.

Discipline in SIPs: Regular SIP contributions show a systematic approach that will help in rupee-cost averaging. It’s a proven method for long-term investors like you.

High-Risk Appetite: You are investing with a long horizon and high risk tolerance. This aligns well with your fund choices, especially in high-risk categories like small-cap and mid-cap.

Reviewing Small-Cap Fund Exposure
Current Allocation: Your portfolio allocates Rs 10,000 per month to small-cap funds. These funds often offer high growth potential but also come with significant volatility.

Growth Potential: Small-cap funds are beneficial in long-term portfolios due to their high potential for growth. Over 15-20 years, they can contribute significantly to wealth creation.

Suggested Changes: With three small-cap funds, there may be a lot of overlap. You might consider consolidating into one or two well-performing small-cap funds. This will simplify tracking and reduce redundancy.

Examining Mid-Cap and Flexi-Cap Fund Allocation
Mid-Cap Fund Benefits: Mid-cap funds bring a blend of growth and moderate stability. Your allocation here balances the aggressive small-cap investments.

Flexi-Cap Fund Role: Flexi-cap funds invest across large-, mid-, and small-cap stocks. This flexibility allows these funds to adjust according to market conditions, adding a layer of adaptability to your portfolio.

Suggested Changes: Your portfolio has multiple flexi-cap funds, which can lead to overlapping investments. It may be beneficial to reduce your holdings to one high-performing flexi-cap fund for better portfolio efficiency.

Value-Oriented Fund’s Contribution
Role in Stability: The value fund in your portfolio targets undervalued stocks, which tend to be more resilient in market downturns. This can provide balance and act as a buffer against volatility.

Long-Term Benefits: A value-oriented fund adds stability, which is essential as your portfolio matures. The approach of investing in undervalued companies often pays off well over time.

Suggested Changes: Keep this fund as it provides a different investment strategy, enhancing overall diversification.

Importance of Actively Managed Funds Over Index Funds
Higher Potential Returns: Actively managed funds can outperform index funds by selecting high-potential stocks and avoiding weaker sectors.

Limitations of Index Funds: Index funds track the market and have limited potential for excess returns. They cannot adjust to economic shifts like active funds can.

Benefit of Advisor Guidance: Regular funds managed with the help of a Certified Financial Planner (CFP) add value. A CFP can guide you on fund selection and rebalancing, which index funds do not offer.

Advantages of Investing Through a Certified Financial Planner
Personalized Advice: A CFP can help you fine-tune your portfolio to better match your goals, risk profile, and timeline. Direct funds lack this support, making regular funds a better choice for most investors.

Portfolio Monitoring: Regular funds with CFP assistance offer ongoing review and monitoring. This is important for a long-term investment strategy.

Support for Future Adjustments: Market conditions and personal goals evolve over time. Having a CFP ensures you have guidance to adjust your investments accordingly.

Tax Implications on Your Equity Mutual Funds
Equity Mutual Fund Taxation: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Tax-Efficient Withdrawals: Consider planning your withdrawals in a tax-efficient way. For a long-term horizon, tax efficiency will contribute significantly to your net returns.

Impact of New Tax Rules: Understanding tax implications can help you plan more efficiently for your post-retirement withdrawals, minimising tax impact on your returns.

Recommendations for Portfolio Optimization
Reduce Fund Overlap: Your portfolio has multiple funds in similar categories. Streamlining these will make the portfolio easier to manage and reduce redundancies.

Consider Asset Rebalancing: Review your portfolio’s asset allocation every two to three years. As you near retirement, adding some low-risk debt or balanced funds could provide stability without sacrificing growth.

Explore the Benefits of Balanced Funds: Over time, a small allocation to balanced funds could help mitigate volatility as you approach retirement age. These funds offer a mix of debt and equity, which balances risk and growth.

Final Insights
Your disciplined approach to SIPs and fund selection shows a strong foundation for future growth. Simplifying your fund categories and reducing overlap can improve efficiency and returns. Working closely with a CFP will ensure that your portfolio remains aligned with your goals over time, providing you with the guidance needed for adjustments as markets evolve.

Best Regards,

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

...Read more

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