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Kanchan

Kanchan Rai  |403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 21, 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 - Jun 11, 2024Hindi
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Relationship

Hi madam, I am 58 yrs old and married since 30+ yrs. Have 2 daughters. Elder one is married in 2021 and happy with her life, younger one is working in MNC. Since my marriage i didn't came to know what the relationship to be there between husband and wife as my wife is very reluctant and she loves only money. since my marriage she always fight with me for silly issues and in childhood of my children's she often beat them with whatever she got in hand. always she said that her husband and children's are useless and always give very good reasons and remarks to others in society or family. Now many times i thought of getting away from her either by doing suicide or run away from my home or divorce her. but i just wanted to leave her alone so that she can think of our presence when we are not available to her. my younger daughter is finally decided to leave the home and be alone in another rented flat or on PG due to her mother behavior. please advice if i opt for divorce and run away from home. i can't speak to any one regarding my situation and need immediate help.

Ans: It's clear that you've endured a lot over the years, and it's understandable that you're feeling overwhelmed and considering drastic measures like divorce or leaving home. Let's explore your situation with a compassionate and practical perspective.

Firstly, it's important to acknowledge your feelings. You've been dealing with a challenging relationship for a long time, and it's natural to feel the weight of it all. Your desire to escape the pain, whether through divorce or even more extreme thoughts, signals just how tough things have been. Remember, these feelings are valid, but it's crucial to find a way forward that prioritizes your well-being and safety.

Considering a divorce is a significant step, especially after being married for over 30 years. It could potentially lead to a new beginning where you and your wife might find individual peace and happiness. Before making this decision, it might be helpful to reflect on a few things:

Sometimes, the prospect of a new start can bring clarity. Have you thought about what life might look like without your current relationship's stress and conflict? Envisioning this can help you understand your true desires.

Your daughters' well-being is a significant concern. Your younger daughter's decision to move out reflects how the family dynamics are affecting her. Would a change, like a separation or divorce, potentially bring more stability and peace for everyone involved?

If it's possible, consider having a heart-to-heart conversation with your wife. Sharing your feelings and how her actions have impacted you and your family might open a door to understanding or change. It’s a difficult conversation but can sometimes lead to unexpected resolutions.

Consulting a therapist or counselor can be invaluable. They can provide you with a safe space to express your feelings and offer guidance on managing your situation. A professional can also help you and your wife if there's any possibility of working through your issues together.

If divorce seems like the best option, seeking legal advice is crucial. Understanding your rights and the practical aspects of separation can help you make an informed decision.

Remember, you don’t have to go through this alone. Lean on trusted friends, family, or support groups for emotional backing. Your happiness and mental health are incredibly important, and finding a path that leads you to peace is worth the effort. Whatever you decide, take small, thoughtful steps towards creating a better situation for yourself and your family.
Asked on - Jul 06, 2024 | Answered on Jul 09, 2024
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Hi Ms. Kanchan, Seen your reply to my question. But what you will say about the person who has no heart or I would say no feeling about husband. Since around 25 days we are not talking to each other in same house. if she requires to recharge her mobile, she whatsapp me for the same. Now you can think of my situation. My younger daughter took work from home and went to my elder daughter's home at Noida. when she was here, i use to talk to her or even if i wanted something i use to call her. now after coming back to home from office it's pindrop silence between us. now adays i started taking drinks often to engage myself. now I am looking for the job outside ahmedabad so that i will be away from her and i know i will be more than happy. if not getting job outside ahmedabad, than surely i will consult a lawyer for taking divorce. you wrote that i should connect with someone for counselling but i know it can't be alone. it should be with both of us and i know my wife, either she will not come with me or even she will counsel the counselor. I know her very well. As far as myself is concerned, i am totally alone now in this world. as my entire family which includes brothers sister and other close relatives have left me and in this situation if my wife does this thing to me, how come i be normal in life. i will connect with some lawyer for divorce and if i am not satisfied with his/her remarks than the last option is with me is i will leave my house and will run away somewhere, where no one can find me. i don't have any other option with me now. regards Pankaj verma
Ans: Pankaj, it sounds like you're going through an incredibly tough and lonely time. When you're feeling isolated and your relationship has reached a point where communication has completely broken down, it's understandable to feel like drastic measures are your only option.

First, it's important to acknowledge your feelings and recognize that seeking help is a strong and positive step. While it's true that counseling is most effective when both partners participate, it can also be beneficial for you individually. A therapist can provide you with support, help you manage your emotions, and guide you through the difficult decisions you're facing.

Considering the possibility of divorce is a significant and life-changing decision. Before taking this step, it might help to have a clear and calm conversation with your wife about your feelings and the state of your relationship. Express your concerns and the impact the current situation is having on your mental health and well-being.

If your wife is unwilling to attend counseling or work on the relationship, it could indeed be a sign that further action is necessary. Seeking legal advice to understand your options and the potential outcomes of a divorce is a practical step.

Additionally, exploring job opportunities outside Ahmedabad could provide you with a fresh start and a new environment, which might help you regain a sense of happiness and independence.

Remember, you're not alone in this world, even if it feels that way. Reaching out for professional help and talking to trusted friends or family members about your situation can provide you with the support you need during this challenging time.

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Asked by Anonymous - Dec 30, 2023Hindi
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Hi, I am married from last 15 year, having a daughter , my realtion with my wife is very bad, she is like this since start of marriage, our is arrange marriage. She didn't want any kind of responsibility, she always want to go out and if possible do shopping, if I asked not to over spend she thinks not sure what and create scene. She fight with everyone even in office or with her parents, she blames other for all this, never ever think she can be wrong, she is having a feeling if you correct her , she not going to like it, she will say no need to teach me , I know. She even not hving very good relationship with my daughter, she is in class 10th and staying in baording. I am hving 2 flat just like jodi flat adjacant to each other, i am staying in one and she is in another , she hardly let me hv sex, but she talks or chat with stranger whole night, i try to question her but she started fighting, she didn't listen and do what ever she want, if u question she will fight, i really don't know how to handle this situation, I am feeling trapped and she is accusing me for all the mess. We had fight lots of time , we abused each other during fight a lot , but the problem still persist nothing changed in 15 years recently after fight i stop talking with her . Not sure how I should move forward , i talked with my daughter and she also suggesting me leave her for some time she will realize , should i go for divorce or how to move forward.
Ans: I'm sorry to hear that you're going through a difficult time in your marriage.
It's important to remember that ultimately, the decision to stay in or leave a relationship is up to the individual. Here are some things you can do to help you move forward:

1. Seek professional help: Consider seeing a therapist or counselor who can help you work through your feelings and provide guidance on how to move forward.

2. Take care of yourself: Make sure you're taking care of your own physical and emotional needs. This can include getting enough sleep, eating a healthy diet, and engaging in activities that you enjoy.

3. Set boundaries: If your wife's behavior is causing you distress, it's important to set boundaries. This can include setting limits on spending, or establishing rules around communication.

4. Consider couples therapy: If you're both willing, couples therapy can be a helpful way to work through issues in your marriage and improve communication.

5. Think about your options: If you're considering divorce, it's important to think carefully about your options. Consider speaking with a lawyer who can provide guidance on the legal aspects of divorce.

Remember, every situation is unique, and there's no one-size-fits-all solution. Take the time to consider your options and make the decision that's best for you and your family.

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Kanchan

Kanchan Rai  |403 Answers  |Ask -

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

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Relationship
I have been married for 23 years and father of 3 children. My age gap with my wife is 11 yrs. I have been helping my in-laws for the last 13 years financially every month and also additional medical costs. I am a single breadwinner and i earn a good income but unable to save much as my wife dont have any economic sense. secondly, she is a highly depressed woman and always threatens me of suicide or shall leave home scaring my children who are around 16 yrs of age and disturbing their studies. even a small counter point she will take it seriously and shout at me for a very long and will make all sorts of threats. I am fed up with this type of relationship with her and I am helpless as my children have another 5 yrs to go to reach adulthood. She spends too much not on luxuries but unnecessary expenses and social costs like gifts to friends and relatives and spends a lot of time for temple or pooja activities with addtional expenses.
Ans: Dear KKR
It's evident that you're dealing with a significant amount of stress and emotional strain due to your wife's behavior and financial situation. It's important to establish clear boundaries in your relationship with your wife. Communicate your concerns about her behavior and the impact it's having on you and your children. Let her know that threatening suicide or leaving home is not a healthy or productive way to resolve conflicts, and express your willingness to support her in seeking help and finding healthier ways to cope Consider sitting down with your wife to have an open and honest conversation about your financial situation and the importance of budgeting and saving for the future. Explore ways to track expenses, prioritize needs over wants, and work together to set financial goals that align with your family's long-term objectives. Consider consulting with a legal or financial advisor to explore options for protecting your assets and securing your financial future, especially if you're concerned about your wife's spending habits and the impact it may have on your financial stability. It's important to remember that you're not alone in dealing with these challenges, and there are resources and support available to help you navigate this difficult time. Reach out to trusted friends, family members, or professionals for guidance and support, and prioritize your own well-being and the well-being of your children as you work towards finding solutions to your current situation.

..Read more

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Money
Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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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