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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Apr 21, 2024Hindi
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Relationship

Hi my age is 47 married my wife and daughter are living seperately and they are live at her mother place from beginning the problem is that my dad is money minded person he gets upset when money is spend for betterment and my mother wants to leave free life all of sudden she blames me and my father for bad life I literally had a argument with her on the basis that if I am going through some mental stress in work, personal life, family problems than with whom shall I share she says not to discuss anything with her the fact is I am in dilemma what to do I have minimum source of income,PL,CC bills and other responsibility I am in dilemma what to do I need a break which I am not able to do pls give me some solution to overcome all this issues.

Ans: Dear Anonymous,
The information shared with me is incomplete. Do you live in a joint family with your parents? How come your parents are involved when you spend money. At 47, do you not take charge of your finances? Is that why your wife blames your father due to his interference in your life?
At your age, your family and decisions for your family are yours and your wife's to make even if you live in a joint family. You and your wife must act like a unit to sort out every family challenge and draw clear boundaries with your parents and that will help your wife have space with you. This will also help the two of you to get closer and go through life's ups and downs together.

All the best!
Asked on - Apr 23, 2024 | Answered on Apr 29, 2024
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We don't stay with each other since 17+yrs my wife stays with her mother right from the beginning and also my daughter schooling is in the same place were her brother studied and we are living like a seperated couple on mutual discussion I pay 20,000 every month + take them on holiday + she visits my place whenever she feels God knows when such kind of relation will come to an end
Ans: Dear Anonymous,
My question was about whether you still live with your parents or not? That could be a definitive way out to put your marriage back together. Please read this with the previous answer given and again I find a lot of gaps in what you have shared for me to suggest much.
I still will say: The first attempt would be you and your wife wanting this marriage. If you two do not want this relationship based on what you have mentioned, then take appropriate steps towards that. You need to be clear about what you want for anyone to guide you or even you to guide yourself. Writing it down in paper actually helps the process. Ask yourself: What do I want?

All the best!
Asked on - May 01, 2024 | Answered on May 02, 2024
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To be honest I already told her many times that I want to get seperated but she says that she has not thought about it and it she is dragging it so that she gets money from me every month nor we have marriage certificate nor any legal docs she wants me to take the initiative for seperation and her decisions is been taken by her mom and brother just imagine 17+ yrs of marriage and not stayed together even for 6 months
Ans: Dear Anonymous,
Then if what you say is true, if you have not stayed together for so many years, possibly the marriage is already null and void. You might want to check the legal status with a lawyer who will then advice you on what to pay as support for your daughter. Holidays etc are a matter of choice whether you wish to pay or not for them. Kindly contact a lawyer...

All the best!

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 18, 2024

Asked by Anonymous - Oct 14, 2024Hindi
Relationship
Hi dear Anu Krishna Madam, I am a regular reader of your suggestions and answers on the questions of relationships since long. You are doing a great work to solve the complications of people's life. I have a long story actually, thanks to you in advance for your patience in reading this. I am male 36 YO, married and having a 4 YO daughter. Mandatory to mention here that I have mother who is dependent on me financially as my father passed away years ago. My relationship with my not been since starting as we got married in 2015. She is having serious anger issues and starts fighting on even little things. She is not very inclined to my mother and my younger sister who got married in 2018 and staying in UK with her husband. My wife is always complaining for one thing or the other. I am working for Central Government and earning well but she is never satisfied and keeps on complaining that my brother in law (sister's husband) is better husband or sometimes compare with other men. I always to fulfil all the requirements financially as well as taking care of baby, helping in household chores but she is never a happy woman. I send my mother and amount of Rs 10000 per month as no one is there to take care of her, mother stays at our hometown and I along with my wife and daughter stays at my work place city. I had to finance the marriage of my younger sister also as my father passed away when the both of us siblings were of age 7 and 3, this was told before my marriage to the family of wife as well as her that this will be required to be managed by me financially. But she complains of this also that I have spent this much money on my sister and mother. I am earning from a young age of 18 years but I don't find any peace at home. I am working like a machine, earning and then she is saying bad things to me all the time. She shouts loudly when fighting so that neighbours also listen and I find it very shameful. Her behaviour towards our daughter also changes frequently and she treats her according to her mood. My mother is not staying with us as when she stayed here for 6-8 months due to her health related issues, she started fighting with my mother also and created huge scenes every now and then. My wife's only attachment is with her own family, her mother, father, unmarried elder sister and unmarried elder brother. Her both the siblings couldn't find suitable matches for themselves, this is also creating a stress for my wife and she in the end throws her frustration on me. She and my self have both tried to commit suicide 2-3 times in the fight on different occasions. Last year she met a younger boy of age 26-27 and they both got attracted to each other. I was along with her and I noticed them smiling at each other at a function. I asked my wife and said to her that if you want to you can ask and talk to that boy. Means I told her to have an open marriage, in the hope that this will atleast make her realise that my husband is happy in my happiness. They both started talking and even met on 3-4 occasions and 2-3 of them secret meetings at our home (only i knew that I didn't pointed out) with physical intimacy. Now due to some unknown reason both my wife and that boy are not talking to each other. Her behaviour had been very rude since that boy came to her life and she never realised that my husband is not pointing out this infidelity also. Now, when that boy is also not there, her disrespect towards me is increasing day by day. She starts fighting even at streets and shouting loudly. I have also given a thought for legal separation but due to my daughter I am not going ahead. I am in a very complex situation and don't understand what to do. How i can make her understand that relationship runs on two people. Please guide me further. One more thing to mention here she is not interested to go for councelling or anything like that. Thanks in advance. Regards.
Ans: Dear Anonymous,
Your wife is perhaps one of those people who choose to see what's not happening rather than what good is actually happening. It's just a habit that can destroy their peace of mind and of those around them.
You are caught around her drama where she tries to find her happiness all around her when she can perfectly find it within the marriage. So, if there's something small that upsets her at home or does not go according to the way she thinks it should, instead of talking about it to you, she is someone who will find a way out outside and in things that can instantly make her feel better. That 27-year-old has ended up becoming some sort of a distraction and by you allowing it to go further whatever happens or doesn't will be blamed on you.
She's acting like a child in need of attention, incapable of addressing her own emotions, distracting herself with a new toy and then crying out creating drama around it all and oh, blaming you when things go wrong.
Got the picture, here? So, the way out is to actually take her to a professional who can guide her to regulate her thoughts an =d actually infuse her back into a family system. It's possible that her maternal home did not provide a great example in this regard...you might know better...
You can try and get through to her by requesting her to step in for your child's sake else the marriage can deteriorate further...So, give it a try.

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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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.

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

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

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Money
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

Milind

Milind Vadjikar  |650 Answers  |Ask -

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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