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Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Oct 24, 2024

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Asked by Anonymous - Oct 15, 2024Hindi
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Relationship

I need advice from anyone here. I am 34 years old woman and married. I have 10 year old daughter. I am also working in MNC.I got married 12 years back. I am seeing lot of challenges in my home. I am living with my in laws from the day one. They were lot of issues going on from the starting. I faced lot of issue during my pregnancy due to this. Here giving just an example, My MIL condition is I was not allowed to drink milk more than one small glass for a day and allowed to eat rice only one rice spatula for afternoon and night, no veggies and no fruits during pregnancy. Due to this My health got deteriorated and I had gone through surgery in my 6th month and was in bed rest till the delivery. My FIL used to bring some fruits to me, and she scolded him very badly. After that he stopped to bring anything. Like this lot of things keep on happening till date. She doesn't allow me to cook, and she only prepare lunch. Tells everyone in the family and neighbourhood that I won't cook. Lot of times I asked her I will cook. She says she doesn’t like if others cook. So, she allows me to chop the veggies or grating coconut like that. She gives very less amount of food for my daughter. sometimes even my daughter is hungry, she scolds her saying don't eat too much. For 10 years old kid, she weighs 24. To her school lunch bag and snacks, I fought with my MIL and prepare food for her box and give. She eats happily. Sometimes my husband and myself tried to tell her and she goes on like I changed her son and He doesn't love her anymore because of me etc., Now a days, I feel relationship between my husband and me is going down. He only listens to her. Sometimes my MIL scolds my daughter unnecessarily Infront of my husband and he we will scold my daughter for this again. Due to this, my husband and my daughter relationship is also getting worst. He keeps on scolding her, My daughter is average in her academics, she doesn't study properly after coming home due to lot distractions and mood swings at home. One more reason is TV. At home My MIL watches the TV from the morning. We are not allowed to watch but that’s ok I don’t have time for that anyway. While my daughter is studying in the evening, my MIL watches some serials. My daughter's whole concentration is on the voices coming from TV. She will keep on getting distracted and make excuses for something to watch TV like drinking water,etc. We tried to tell my MIL, but it didn’t go well. Most of the times, I feel like me and my daughter are outsiders and whatever we do they doesn't like it. I like to pray by singing one song at least once a day. She doesn't like it. Whatever food I prepare to my daughter my MIL complains it to my husband as junk. I normally prepare her rice with lot of veggies, parathas with veggies and sandwich. After I started preparing these, my daughter started eating veggies, otherwise there was big no from her. I don't know how to handle all those things . Also recently during Dusshera, due to one of the situation like this, my husband is not talking properly with me and my daughter. I am an introvert, and I don’t have any friends. I don’t know with whom to seek advice.

Ans: Twelve years of this? You’re a financially independent, capable woman. Why in God’s name are you tolerating this absurd woman and her absolute BS? Move out. NOW. If your husband has any sense, he’ll join you. If not, let him live under his mother’s skirt for the rest of his life, but don’t destroy your own any more than you already have. Take your daughter and LEAVE!

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Kanchan

Kanchan Rai  |566 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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Relationship
Hi, I am a 29 year old married women with a 1yr old baby girl. I am married to a lovable family. I live with my husband, MIL, FIL & SIL(youngwr to me and she is unmarried). I dont have any major issues with my inlaws. Mine is a arrange marriage. But Gods grace i got a good loving husband and inlaw fly. I was born in a middle class family buy highly pampered by parents but waa made grown to adjust, love, and respect everyone. I was very independent before marriage. I used to do what all i want But i an very sensitive. After marriage everything was going good. I was working and all household chores was done by MIL and she never asks or expects me to do even if i ask. Btw i dont know cooking except basic items. I was comitted to work later resigned my job after conceving. And baby born...etc everything was good. My mil was working initially when i got married and now she took vrs and is at home. Me also looking after baby and at home. Till now she doesnt allow me to do any work. If i ask also she says me to take rest and look after baby.whole day i have to look baby and ther is no work for me to do. She herself cooks, cleans vessels put laundry even our laundry. I feel like i want to cook do work she will immediately come and she will do it. That too she will say very sweetly. The thing is she doesnt want to hurt me as she sufferen a lot with her MIL. But this also make me worse without doing any work. It tiring to ask her everytine shall i cook today shall i do this that but she says i will do you take rest which make to think oh we dont have right itseems. Its her kitchen. I feel like sometimes i want to prepare anything for my husband or myself but can. Whenever i step inside kitchen my mil comes and looks and asks what i am doing. Like i feel that i am not independant. Also my FIL only buys groceries even that also she will only arrange. Very rarely i will say i wanted to do. But each and everytimr i cant keep asking. Its very tough only to look after my kid and not to have any work at home. Like this made me to long for having my own kitchen my own way of bying arranging this doing my household wok etc... also privacyyy plays. Even thou we had no issues directly....there is some gap within in laws ans me .. where they dont treat me as one of their fly. My mil keeps a distance. She doesnt want to dependant on me. Whenever i ask something to her like to help her she says she wants no help but later asks her daughter which make me sad. But i treat her like my mom but she keeps a distance which eventually made me to make distance with her. I could not be myself with her. We talk communicate be in safe roof no issues so far but i feel insecured. Like being in a cage. Now i feel like moving out ans starting ny owb fly. But this was not my intention. But stituation making me to think. Everything mil wants to take control. I could not even cook anything for my husband. Rather that this nothing hurts me. My mil is not bad she is overprotecting me. How to let know that i also need some me time from looking after baby so that i can do what i like like cooking, cleaning, vessel washing etc.
Ans: The key here is communication, but in a gentle and understanding way. You can express your gratitude for all the care and support your mother-in-law has provided while also sharing how important it is for you to feel more involved. Let her know that you want to be an active part of the household, whether it's cooking, cleaning, or managing some of the family responsibilities. You can explain that having that involvement helps you feel fulfilled and independent, and it's also part of what makes you happy as a wife and mother.

Rather than framing it as something she's doing wrong, approach the conversation from a place of mutual respect. It's clear that she wants what's best for you, so if you express how this would benefit you emotionally, she might be more open to giving you the space to do what you enjoy. Be patient, as it may take time for her to adjust, but creating a balance where you have some ownership over your daily life will likely help you feel more secure and at ease.

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Anu

Anu Krishna  |1571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 22, 2024

Asked by Anonymous - Oct 21, 2024Hindi
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Relationship
I married four years back. I born broughtup in metrocity but i respect n follow my village roots n relatives. Now my MIL, Fil sil joint fmly. In taluka place. My mil second wifeof my fil. The problem started after my baby arrived. My MIL is very possessive to my husband, he has to follow her words. No cinema, hotel no new cloths even kirchief. He has to take her permission or inform her. Never went to outing as mil against everything. Problem started seriously when my started behaving negative towards me n my fathers family. Getting angry, throwing things, using absurd words , keeping recorder in my office bag, etc. I hv to cook food items for all before going to office. Never asked me to eat food. When i told this to my aunties n uncles n mamas, they confirmed my mil is controlling my husband through black magic, vamaachara pratice. When things got worst, i was forced to leave my in laws house, by my sil, mil. I am trying my best to keep in touch wd my hubby. But it is not going well. He takes sis n mom side. Now my baby is 2 yr old. All my relatives tried to make them understand but they are very rude, abuses everyone. Husband never spent or gave any money to me. Mil says no to do so. Sil not married, hv serious health issue. Says i dont marry, i will stay here only. Hubby not takling to me now. Please suggest how to solve this problem
Ans: Dear Anonymous,
I am unaware or have no knowledge of the practices that you have mentioned, so I would not like to comment on those.
As far as where you are seems like a very toxic environment and it requires your husband to be receptive to listen to what is bothering you. Try yet again asking the elder family members to talk to his family and see what happens. If nothing changes and your husband still continues this drama, then you might have to think of how much longer you want to put up with this toxicity?

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

Anu

Anu Krishna  |1571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Relationship
Hello, I am 38 years old. I have been living abroad since I was 21 years old. I have been focused on my career since then. I got married in 2021 in India and just after 4 months living in India, we again moved abroad. This country was new for me and my my wife, but my brother was already settled in this country with his family. As I was living away from my family for many years, me and my wife decided to live in a joint family with my brother’s family. However, I was quite busy adjusting to my new job, my wife couldn’t adjust well to my side of the family, my brother, his wife and my mother. After living together with everyone for a year, me and my wife decided to live separately from my side of the family. Now after 5 months my wife became pregnant and we both wanted to have a child. So even though my family was quite close and could have supported us during this time. I decided to sponsor my in laws on a visa so that my wife could feel supportive during this time. We had a girl child and I have avoided to communicate to my family during this one year so that my wife doesn’t get any stress or anything from my family. However as soon as we had a child, I have invited my mother and my brother family to visit my daughter. Now my in laws have started quarreling with me once in a while. And they convinced my wife to go to India with them. My wife has been living in India since last 6 months, they would never let me see my daughter over the phone call, and whenever I called them they would ask me for the money/gifts. Let me add to that when I went abroad, my wife was not working initially and I used to give her 30% of my salary and I used to bear all the expenses. When my in laws started living with us, I over heard them talking if I continued having relationship with my side of the family, she would buy her a home in India and take my daughter away from me. Now recently I came to India to get everything sorted, I do not think my wife would be willing to come with me without my in laws. How could I convince her to start over and repair our relationship for us and our beautiful daughter.
Ans: Dear Anonymous,
I am sure you see a pattern in your wife's actions. At the risk of sounding judgemental, I will say: She does like to get her way in most things.
How else do you explain that when she is stressed keep them away and when she needs, she wants them back?
How can you expect to have support from your side of the family when you two decided to alienate them?
How does it work when she decided to stay back with her family with absolutely no regard that you as father will want to be close to your daughter?
How do you explain that they secretly conspire to take your daughter away from you if you involve your family?

Do you not see the immaturity of how they have very systematically alienated you from your family and your daughter?

To be able to put things together, your wife really needs to get away from her parents. They seem to hold the strings and have no qualms about spoiling their daughter's life...Bring her out of that family and move to a location that is not easily accessible to them; as in maybe back abroad, so they are not in and out of your home. Start building your relationship with your wife by being a hands-on father and that may also give her an idea as to the person that you are. You must be appreciated for the person that you are...Give this a shot!

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

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Milind

Milind Vadjikar  |1135 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

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Hello! Advait ji, My Mom is 82 and gets family pension. She has 70 lakhs FD maturing in March 25. I would like to invest 10 lakhs in FD as emergency fund. Kindly advice how to invest the remaining 60 lakhs, which is risk free and gives good returns (better than FD) She has the following investment - 1. 10 lakhs in Edelweiss Multicap Fund - Gr 2. 2 lakhs 40 thousand in HDFC Flexicap Fund -Gr 3. 2 lakhs 40 thousand in HDFC Midcap Opportunities Fund 4. 2 lakhs 50 thousand in Invesco India Focused Fund 5. 2 lakhs 50 thousand in LIC MF Infrastructure Fund 6. 2 lakhs 50 thousand in Motilal Oswal Large and Mid-Cap 7. 2 lakhs 40 thousand in Nippon India Large Cap Fund 8. 2 lakhs 40 thousand in Nippon India Multicap Fund 9. 2 lakhs 40 thousand in Nippon India Small Cap Fund 10. 2 lakhs 40 thousand in Quant Small Cap Fund. Total Mutual fund investment of 32 lakhs. Apart from MF she has invested in Bajaj Allianz Life insurance plan, where she will investRs 2 Lakhs per year for 10 years. This is a guaranteed plan. She is comfortable running the house with her pension. However, please suggest shorter duration investments (5 yrs) Regards Namrata
Ans: Hello;

She may opt for any of these investment avenues:

1. Post office time deposit scheme(FDs offered by post office for 1,2,3 & 5 year tenure); Joint holding allowed; Premature withdrawal allowed after 6M. (Current ROI 6.9-7.5%)

2. NSC with a fixed tenure of 5 years; No premature withdrawal allowed. Can be held jointly(Current ROI 7.7%)

3. KVP: Although tenure is 9 yrs and 5 months, you may do premature encashment after 2.5 years; joint holding allowed;(Current ROI 7.5%)

You may approach a reliable postal agent to process these investments to avoid hassle of frequent post visits and associated hardships.

These are backed by GOI so no risk of default.

Hope this meets your requirements.

Best wishes;

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Dr Dipankar

Dr Dipankar Dutta  |1061 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

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Career
I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?
Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:


Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

...Read more

Milind

Milind Vadjikar  |1135 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

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Hi sir I am investing when ever i have money not like in SIP. my most of investments are around 6 L invested in Quant different mutual funds. No a days i can see my all the Quant funds are going down. Im 34 years old female. My plan is 10 years. Can i exit from quant and invest in any some MF rather than getting more loss? Can you please review my portfolian. Do i need to exit from any MF. Since i'm maintaining too many MF. Thanks in advance. Mutual Funds List No' Scheme Name AMC Category Sub-category ISIN 1 DSP Small Cap Direct Plan Growth DSP Mutual Fund Equity Small Cap INF740K01QD1 2 Quant Focused Fund Direct Growth Quant Mutual Fund Equity Focused INF966L01853 3 Parag Parikh Flexi Cap Fund Direct Growth PPFAS Mutual Fund Equity Flexi Cap INF879O01027 4 Mirae Asset ELSS Tax Saver Fund Direct Growth Mirae Asset Mutual Fund Equity ELSS INF769K01DM9 5 JM Flexicap Fund Direct Plan Growth JM Financial Mutual Fund Equity Flexi Cap INF192K01CC7 6 Axis Growth Opportunities Fund Direct Growth Axis Mutual Fund Equity Large & MidCap INF846K01J46 7 Parag Parikh ELSS Tax Saver Fund Direct Growth PPFAS Mutual Fund Equity ELSS INF879O01100 8 Quant Small Cap Fund Direct Plan Growth Quant Mutual Fund Equity Small Cap INF966L01689 9 Canara Robeco Small Cap Fund Direct Growth Canara Robeco Mutual Fund Equity Small Cap INF760K01JC6 10 Motilal Oswal Midcap Fund Direct Growth Motilal Oswal Mutual Fund Equity Mid Cap INF247L01445 11 Nippon India Multi Cap Fund Direct Growth Nippon India Mutual Fund Equity Multi Cap INF204K01XF9 12 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 13 ICICI Prudential Value Discovery Direct Growth ICICI Prudential Mutual Fund Equity Value INF109K012K1 14 Quant Flexi Cap Fund Direct Growth Quant Mutual Fund Equity Flexi Cap INF966L01911 15 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 16 Quant ELSS Tax Saver Fund Direct Growth Quant Mutual Fund Equity ELSS INF966L01986 17 Aditya Birla Sun Life PSU Equity Fund Direct Growth Aditya Birla Sun Life Mutual Fund Equity Sectoral / Thematic INF209KB1O82 18 Quant Mid Cap Fund Direct Growth Quant Mutual Fund Equity Mid Cap INF966L01887 STOCKS LIST 1 APOLLO TYRES-EQ RE 1 2 ASIAN PAINTS EQ 1/ 3 BRITANNIA IND-EQ1/- 4 CG POWER-EQ2/ 5 IRCTCL-EQ2 6 NHPC LIMITED - EQ 7 TATA STEEL-EQ1/ 8 Deepak nitrate 9 LT 10 Narayana Hrudayalaya
Ans: Hello;

6 L worth investment in 18 different funds is spreading it too thin.

You have a time horizon of 10 years but how much corpus you want to accumulate after 10 years kindly clarify?

Also if you can specify the goal for which this investment is aimed at then it will help us to suggest suitably.

I will recommend you strategy to rationalize you MF holdings once you revert on the above points.

Thanks;

...Read more

Milind

Milind Vadjikar  |1135 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025
Money
Sir, I am Mudassar, 40 years old, i have 3 childrens, 2 daughter and son. Sir, i need your suggestions/guidance becaz i am in very crtical situation. My take home salary is 40K and my father (retired age 74 ) salary is 35K , we both have personal laons to build house. I have two running LIC's , on which i have taken loan also. Recenlty we build own house , if i sell now, i will get around 42 to 45 Lakhs . My lloan detailsbelow ; 1. HDFC 7,20,000 emi 14K 2. Company emi 1,50,000 emi 4K 3. LIC loan 2 laks emi 2K 4. Father loan 4 lacks , two year remaining, emi 14K Total emi : 34K Apart from we are paying 15K monthy to chit fund , still 15 months remaining. Summary: Total sal 75 K , after laon and chit fund deducting , will get 26K to run home , including grocery, children fees , health etc... its very difficult to manage, and keep thinking to take extra loan .. as i said earlier , have two LIC's , i am.paying 56K every year . What i am thinking is, i will sell my house And clear all my laons .. and approximate i will have 25 Lakhs remeaing , so i will inest in mutual fund , SIP , SWP, index fund for long time investment .. So i.am in very confusing mode , whether i have to sell my house .. and start my investment journey... pls help sir .. My finacial conditions are very similar to all middle class family.. Request you to please reply and give your sugestion for investment joury. Awaiting your kind reply .. Thanks in advance ...
Ans: Hello;

Suppose you sell your house and clear your loans and other liabilities but where will you & your family stay?

How much rental per month would be required to get an adequate house on rent?

Please clarify. Based on your input we can advise you suitably.

Thanks;

...Read more

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