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Kanchan

Kanchan Rai  |176 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 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
Asked by Anonymous - Apr 11, 2024Hindi
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Relationship

I am 48 years old married for 21 years with two teenage kids. Before I got married to my wife, I got to know about her affair that went for 3 years and just ended before our marriage. She didn’t tell me by herself and got shocked when she got to know that I found it by some means. Still she didn’t reveal much. I did not know the level of their relationship, and thought it would end up after marriage. We agreed that she will never bring her past anymore. After 7 years of marriage, she again tried to contact him on email but when she realised that I have some clue, she accepted that she had tried to contact him just as a friend. The problem here is, while vacating our ancestors house last week, I found a bunch of letters from his bf that were of before marriage. I was shocked to know why she was retaining all these letters till now. When I read through all those letters, it hurts me a lot. Would not she have destroyed all these after I got to know at very first instance? I know that she may not be in touch any longer but it is being difficult for me to accept the fact why she was carrying all this to till now. Please help me to come out of this situation. Thank you.

Ans: It sounds like you're dealing with a very difficult and painful situation. Discovering your wife's past affair and finding the letters from her ex-boyfriend must have stirred up a lot of emotions for you. It's understandable to feel hurt, betrayed, and confused.

First and foremost, it's essential to take care of yourself emotionally. Allow yourself to feel your emotions fully without judgment. It's natural to experience a range of feelings, including anger, sadness, and even disbelief. Talk to someone you trust about what you're going through—a friend, family member, or a therapist who can offer support and guidance.

In terms of your relationship with your wife, open and honest communication is key. It's important to express your feelings to her in a calm and constructive manner. Let her know how finding the letters has affected you and ask her to explain why she kept them. Try to approach the conversation with empathy and a willingness to understand her perspective, even if it's difficult.

It's possible that your wife kept the letters out of sentimentality or for reasons that are unrelated to her feelings for her ex-boyfriend. However, it's important for both of you to address any underlying issues that may have contributed to her actions. Trust is a crucial component of any relationship, and rebuilding trust after a breach can take time and effort from both partners.

Consider seeking couples counseling to work through these issues together. A trained therapist can provide a neutral space for you and your wife to explore your feelings, improve communication, and rebuild trust in your relationship.

Remember that healing from betrayal takes time, and it's okay to seek support and guidance as you navigate this challenging situation. Take things one step at a time, and prioritize self-care as you work through your feelings and decide how to move forward.
Asked on - Apr 26, 2024 | Not Answered yet
Thank you so much Kanchan for your guidance. Your understood very well what I am going through.

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 25, 2022

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Hi, Please hide my name. It’s been close to 10 years of our marriage. We are as such happily married but have our share of fights and arguments. It was an arranged marriage though we did have a courtship (physically roaming around) of about 10-15 days two months before the wedding. I have been made aware of a past relationship of my wife. I am okay with that. It went on to the physical levels and I do not as such have an issue. But now I was made aware -- in general talks -- that the relationship lasted till the last day before the marriage and it was involved to the extent of sharing hotel rooms, going together to different cities -- all these just 10-15 days before the marriage. I do have chats of that time and I when I showed that to her, including SMSes. She is saying it just happened and she has no explanation.  I do not intend to break my marriage as we have lovely kids to raise, but I am not able to digest these incidents. The thing that really hurts me is that she is not regretting this and always saying that its part of her good memories of life. I just can't digest this. I think I need some help to come to peace with this situation as this is spoiling the atmosphere at home. Regards, A bleeding heart.
Ans:

Dear Bleeding Heart,

I think you need to come to terms with your wife’s past.

The situation speaks for itself, doesn’t it? She loved someone else but was pressured into an arranged match with you. And then proceeded to enjoy as much time with the man she loved before she gave herself away to someone else, who was practically a stranger then.

It’s very understandable.

I get that you’re feeling a little duped, given that she was still with the other man right up until the wedding, but get over it.

She’s been with you for 10 years since then, is the mother of your children and obviously loves you now; you have a happy marriage.

You’re behaving like she cheated on you, when in fact she revealed the truth to you herself. So leave the past where it belongs and look forward to the future.

The only problem here is your bruised male ego.

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Kanchan

Kanchan Rai  |176 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2023

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Relationship
Hi, I have been married since 2011 and have a son aged 9 yrs. My wife managed her professional career as well as home. I trusted her to the fullest and allowed her to go out of town alone for work purpose. However in 2017, my wife had an affair with her senior working in bank and it was physical relationship too. It lasted for almost 1.5 yr untill I caught her in August 2018. When confronted she did not had proper justification for doing such gross thing and tried too blame me. Since than she has no contact with that person and even she filed a complain in the office against that person for stalking. She is remorseful and shameful for her act, but i dont feel any attachment towards her. I am still continuing in marriage with mental trauma of affair. What should i do with marriage now?
Ans: Dear Saurav

Discovering that your wife has been unfaithful can be a traumatic experience, and it's understandable that you may be feeling hurt, angry, and betrayed. It's important to prioritize your own well-being and emotional health during this time.

Here are some steps that you can take to help you navigate this situation:

Seek support: Consider talking to a therapist, a trusted friend or family member, or a support group for individuals who have experienced infidelity. It's important to have someone to talk to who can provide a listening ear and a safe space for you to express your emotions.

Communicate: If you want to work on your relationship with your wife, it's important to communicate openly and honestly about your feelings. Let your wife know how her actions have affected you and what you need in order to move forward.

Set boundaries: It's important to set clear boundaries with your wife regarding what is and isn't acceptable behavior. If you choose to work on your relationship, make sure that your wife is willing to take responsibility for her actions and work towards rebuilding trust.

Consider counseling: If you and your wife want to work on your relationship, consider couples counseling. A trained therapist can help you and your wife communicate effectively and work through any underlying issues that may have contributed to the infidelity.

Take time to reflect: Consider what you want for your future and whether or not you are willing to work on your relationship. It's important to make a decision that feels right for you and your well-being.

Don't blame yourself: It's important to remember that your wife's infidelity is not your fault. While it's natural to feel responsible or to question what you could have done differently, ultimately the decision to cheat was your wife's alone.

It's important to acknowledge your own feelings and to take care of yourself during this time. With time and support, it's possible to heal and move forward from the trauma of infidelity. Ultimately, the decision about what to do with your marriage is up to you and your wife, and it's important to make a decision that feels right for both of you.

..Read more

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Ramalingam

Ramalingam Kalirajan  |1330 Answers  |Ask -

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Ramalingam

Ramalingam Kalirajan  |1330 Answers  |Ask -

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Asked by Anonymous - May 04, 2024Hindi
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Hi Sir, Please advise, I want to invest 2 lakhs in gold (and not physical gold). How do I go about it? (Process, any tax?, and do you suggest a better amount) This is for my child's future and not planning to liquidate atleast for 10 years. FYI, I already have some FD, 20k invested in various MF's, LIC and SSY. I might have to bear home loan now or sooner in time. I am 35 year old working in private firm.
Ans: As a Certified Financial Planner, I recommend investing in gold through gold exchange-traded funds (ETFs) or gold mutual funds.

To begin, you'll need a demat account to invest in gold ETFs, while for gold mutual funds, a regular mutual fund account suffices. Both options provide easy access to gold without the hassle of physical ownership.

Tax implications on gains from gold investments depend on the holding period. Long-term gains (held for over three years) are subject to capital gains tax, while short-term gains are taxed as per your income tax slab.

Considering your child's future and a 10-year investment horizon, allocating 2 lakhs to gold is prudent. This diversifies your portfolio, reducing risk while potentially enhancing returns over the long term.

Given your existing investments and the possibility of a home loan, it's crucial to strike a balance between various investment avenues. Assess your risk tolerance, liquidity needs, and financial goals before making any investment decisions.

By investing in gold through ETFs or mutual funds, you gain exposure to the precious metal's potential upside without the concerns of storage or security associated with physical gold. Regularly review your portfolio and consult with a Certified Financial Planner to ensure it remains aligned with your evolving financial objectives.

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Ramalingam Kalirajan  |1330 Answers  |Ask -

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I am 39 years male. I am investing in MF from 2018. I have accumulated a sum of 15lakhs in MF. I put Rs 36k per month into the following funds. 1. Parag parekh flexi cap fund Regular -Rs 5000 2. Aditya Birla SP NASDAQ 100 FOF-G reg- Rs 5000 3. Kotak emerging equity fund (G) - Rs 6000 4. Icici pru value discovery fund - Rs 5000 5. Kotak equity opp fund - Rs 5000 6. Axis focused 25 25 fund Regular - Rs 5000 7. SBI ESG Exclusionary strategy fund reg G - Rs 2000 8. SBI technology opportunity fund reg growth - Rs 1000 9. SBI equity hybrid fund reg Growth - Rs 2000 Total Rs 36000 per month now . Please suggest are those funds balanced or I should change?
Ans: Your portfolio reflects a diverse mix of funds across various sectors and market caps. As a Certified Financial Planner, your allocation seems well-distributed. However, it's crucial to periodically review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Consider assessing the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates from its investment objective, you may consider replacing it with a better-performing alternative. Also, ensure your portfolio is not overly concentrated in any particular sector or theme.

Remember to stay focused on your long-term investment objectives and avoid making frequent changes based on short-term market movements. Regular monitoring and adjustments, if necessary, will help you stay on track to achieve your financial goals.

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Asked by Anonymous - May 04, 2024Hindi
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I am 41, with take home salary of 2L/month. I want to retire early and live a sustainable life. Considering family income of 3.3L/month and expenses close to 1.1L/month, I have no loans, owns house without HL. I have invested 1 Cr is agricultural land and leased and rental income of 24% ROI. I also have a Bajaj goal assure ulip of 1L/yr since 2018 for 15 yrs premium paying term and 20 yrs of maturity and newly purchased another ulip in midcap 150 index fund of 2.5L/yr for 10 yrs payment term and withdrawal after 25 yrs. I have a corpus of 1 Cr and want to know good instruments which can help me retire b/w 55-60 yrs. I want to grow my capital aggressively considering Indian economy will grow in the future. Pls suggest if Lumpsum investment is recommended or SIP considering the surplus I have for investment now. Where should the entire amount be invested temporarily till everything is invested over time if SIP or SWP options are considered. Kindly suggest.
Ans: It's fantastic that you're thinking about retirement at 41! With your disciplined saving and investments, you're on the right track. Given your surplus, both lump sum and SIP investments can work. For aggressive growth, consider equity mutual funds through SIPs.

As a Certified Financial Planner with 24 years of experience, I suggest diversifying across sectors and market caps. SIPs spread your investment over time, reducing market timing risk. For temporary parking, opt for liquid funds or short-term debt funds for stability.

Avoid real estate and focus on financial instruments for better liquidity and returns. Always keep an eye on your portfolio's performance and rebalance as needed. You're doing great, and with careful planning, early retirement is within reach!

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Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Hello sir , i am 21 year old graduated ,How to make gf ?? As in college everytime i talk to girl she make me friend as i get into friendzoned...
Ans: Dear Anonymous,

If you are finding it difficult to meet girls IRL, why don't you try out dating apps? It can be perfect for you. First of all, the chances of getting friend-zoned on a dating app are comparatively lower because it is a dating app and most users are using it to find a date. Yes, some people look for friends too but they will either mention it on their Bio or match with people who mentioned the same on their Bio.

I suggest you research a bit and find a dating app that fits your requirements. For instance, some apps cater to people looking for serious commitment and some others are solely for casual relationships. You pick a dating app based on your preference. Next step- build an interesting profile. Put a display image that helps you put your best foot forward. Something recent, clear, and impressive. Do not overedit; it's not appealing. Write a clear and concise bio that gives a glimpse of who you are, what you want in a relationship, and what you can offer. This way, you will attract the right type of matches. Make it clear that you want a romantic relationship to avoid getting friend-zoned. Finally, once you match, spend some time chatting and getting to know each other. A match is not a commitment. If it doesn't go well, you can always tell them that it's not working out and unmatch.

It's the best way to meet a potential partner without leaving room for misunderstanding and ending up being friend-zoned.

Best Wishes.

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Ramalingam Kalirajan  |1330 Answers  |Ask -

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Asked by Anonymous - May 03, 2024Hindi
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I am 41 year old. I have 1 cr in mutual fund. It’s been 7 years I started doing sip with 50000. Which I have increased With time now I have sip of 80000 per month. I need to know how much will have when I reach age 50. In my account
Ans: As you stand at the midpoint of your journey, it's natural to pause and ponder the fruits of your labor. Seven years ago, you embarked on a path of financial discipline, nurturing your wealth through systematic investments in mutual funds. With each passing month, you've diligently contributed to your SIP, nurturing your financial garden with care and foresight.

Magnitude of Investment:
Your commitment to growth shines through as you reflect on your journey. Starting with a SIP of Rs 50,000 per month and gradually increasing it to Rs 80,000 per month showcases your dedication to nurturing your financial future. Each increment, no matter how small, represents a step towards building a solid foundation for your later years.

The Power of Compound Interest:
As the years pass, the magic of compound interest works silently in the background, multiplying your investments manifold. With each SIP, you're not just investing money; you're investing in your dreams, your aspirations, and your future. The power of compounding rewards patience and consistency, amplifying the impact of your contributions over time.

Envisioning the Future:
As you cast your gaze towards the horizon, you can't help but wonder: what lies ahead? At age 50, where will your financial journey have led you? Will you find yourself basking in the glow of a well-nurtured nest egg, ready to embark on new adventures and pursue passions long deferred?

The Path Forward:
As a Certified Financial Planner, I invite you to envision your future with clarity and purpose. While I cannot predict the exact value of your investments at age 50 without specific calculations, I can offer guidance on how to nurture and safeguard your wealth as you continue along your journey.

Embracing Uncertainty:
Life is a tapestry woven with threads of uncertainty and possibility. While we cannot control every twist and turn along the way, we can arm ourselves with the tools and knowledge needed to navigate the unknown with confidence. As you journey towards age 50, remember that the true measure of wealth lies not just in monetary value but in the richness of experiences and the depth of relationships.

Conclusion:
As you stand at the crossroads of past and future, take a moment to appreciate how far you've come. Your journey is a testament to your resilience, your determination, and your unwavering commitment to financial well-being. As you continue along your path, may you find solace in the journey itself, knowing that every step forward brings you closer to the life you envision for yourself and your loved ones.

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Ramalingam Kalirajan  |1330 Answers  |Ask -

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Hi I am 37 years old and my Husband is 40 years old. Our annual salary in hand at our home is up to 20,64,000. My Yearly Saving is Rs 6 lakhs (mutual fund, LIC policy, Endowment plan, century plan, Post office schemes). My Expense like medical insurance, term insurance, car insurance is RS 50,000. My living expense per year is Rs 6,00,000. My loan is for Rs17,24,112 (including interests) for which I am paying every year up to Rs 4,31,000 till Feb'28. Also next year we have to purchase car because our car is getting expire. So up- to 14-15 lakh car we will purchase on loan. My child is currently in 6th grade and we both are working. So for happy life after retirement and save future, how much I need to save and in which plans. Please suggest. Till now beyond my savings written above I don't have bank balance which I can use as a emergency funds.
Ans: Navigating the complex landscape of finances, especially with looming expenses and future uncertainties, can feel like trying to solve a puzzle without all the pieces. It's a challenge many of us face, and it's understandable to seek guidance on charting a path towards financial security and peace of mind.

1. Current Financial Snapshot:
You and your husband are in your late 30s and early 40s, respectively, with a combined annual income of Rs 20,64,000. Here's a breakdown of your financial standing:

Income and Savings:
Annual savings of Rs 6 lakhs allocated towards various financial instruments such as mutual funds, insurance policies, and savings schemes.

Annual expenses totaling Rs 50,000 for essential insurances (medical, term, car) and Rs 6,00,000 for day-to-day living expenses.
Loan Obligations:

Existing loan of Rs 17,24,112, including interests, being paid annually up to Rs 4,31,000 until Feb'28.
Planning to purchase a new car next year, expected cost up to Rs 14-15 lakhs, which will likely require additional financing.

2. Planning for Retirement and Future Security:
With retirement on the horizon and the desire to secure your future, it's essential to map out a robust savings strategy:

Retirement Goals:
Discuss and define your retirement aspirations with your husband, envisioning your desired lifestyle and financial needs during retirement.

Savings Strategy:
Determine an ideal savings rate that balances current expenses with long-term goals, including retirement, your child's education, and potential healthcare costs.

Investment Mix:
Explore a diversified portfolio comprising mutual funds, insurance policies, and government-backed savings schemes, tailored to your risk tolerance and time horizon.

3. Addressing the Car Purchase:
The decision to replace your expiring car involves careful consideration, especially given your existing financial commitments:

Financial Implications:
Evaluate all options for financing the new car, considering potential down payments and minimizing loan burden to maintain financial flexibility.

Alternative Solutions:
Explore alternative transportation options or delaying the purchase until you've built more financial reserves to lessen the impact on your budget.

4. Building an Emergency Fund:
Establishing an emergency fund is crucial for weathering unexpected financial challenges:

Setting Savings Goals:
Determine specific savings goals for your emergency fund, considering factors like living expenses, loan obligations, and potential emergencies.

Automating Contributions:
Consider automating contributions to your emergency fund to make saving more manageable and ensure consistent progress towards your goal.

Conclusion:
While navigating the complexities of financial planning can be daunting, remember that you're not alone on this journey. By carefully managing your income, expenses, and savings, and seeking guidance from a Certified Financial Planner, you're taking proactive steps towards securing your future and achieving your long-term goals. Keep focusing on your priorities, stay adaptable to change, and trust in the process as you work towards financial freedom and peace of mind.

...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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