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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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
SR Question by SR on Apr 13, 2022Hindi
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Relationship

 Hi I’m 24 years old and have been married for 3 years now.
My husband and I thought we had plenty of fights we did made it up and moving on as we love each other a lot.
But last year after we had our first child, (even before that) I could see that he has changed a lot.
Because of my delivery I came to my parents’ house in my 5th month and till today I’m still here .
In this new year I found out that he is talking to the same girl about whom we had a fight when I was 3 months pregnant.
He said 'Nothing is going on between us. Please trust me and all' because he claims her to be his friend.
This year around New Year when he visited me I got to see the same girl and him taking selfies standing close to each other. And in one pic he also kissed her on her cheeks.
My heart broke when I saw that pic.
When I confronted him he said that nothing wrong had happened, ‘we are just friends.’ He said ‘It will never happen again I swear on my child.’

But he never answered my question on why he had to take such a pic with her that day and that too it was pic taken after my delivery when he left home saying he had some important office work .
He loves me with his words. But I’m not able to make out in some situations if it’s true or not.
Nowadays he insists that I shouldn’t call him on purpose to ask idiotic questions about my lunch or my health and even to show our baby on call.
He said I should call only if there is something important. Even if he calls me, he says he wants to see the baby. He said he wanted some peace from me cause I am torturing him. He said this after we quarelled about that girl.

Please help me with what I should do further. I am not able to figure it out. Thanks in advance.

Ans:

Dear SR,

Straight and upfront; how much do you want to make this marriage work?

Do you feel he wants to be in this marriage as well?

Are you being a convenient façade for him to be the loving married husband with a child and then go behind your back to another woman?

Are you allowing yourself to be blackmailed into suppressing your doubts about him so that he will still be in the marriage?

What you can do further is bring in a neutral person to bring his ‘floating on the sky party’ to the ground.

His immaturity at not being able to be a father to his child at the time when his wife needs his emotional support needs to be addressed.

Ask an elder member to step in and bring some much needed sense into him so that there is an effort put into bringing you and him on the talk table for a much needed conversation to set things right.

You can do this, remember, you are a woman and now a mother who is strong and knows what she wants.

Step in and take charge and never allow yourself to be cowed down by anyone.

Be YOU and all the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

Relationship
Hello Anu ma’am, I’m 30 years old female, working at an IT firm. I have been married for a year now. The marriage with my husband was arranged by our family members. I met him 2 months before we got married. We talked more during that period and the conversations were always pleasant and I felt care in them and finally made the decision that he is my match. Once we got married, things were good-to-okay in the first few months. I used to live with my in-laws and slowly noticed that he is moving away little by little. My connection with him started to feel weak. He and his mother would stop talking when I entered the room. I had to help more with house chores. I tried quite a lot to keep up with in-laws, husband, and work but soon sensed that mother in law and son have teamed up against me and everything I did was never satisfactory. The first thing that came up to my mind was to move out of the house with my husband and to start our relationship afresh. He didn’t like the idea and for my work reasons, I moved out and to the city where I work (which is a 3-hour drive from where he lives). This made the connection even worse. I used to go see him once or twice in a month but the relationship felt strained so I moved back within 3 months. Around this time he downloaded some dating apps on his mobile. When I asked him about it he said he downloaded out of curiosity and didn’t use it, but I can feel the change in him. Within 2 months I started to realise he’s being secretive with his phone or iPad and is spending a lot of time with them either texting or calls. I also noticed that he is talking to someone during the night while he is sleeping next to me. I felt betrayed and shattered to my core. All the things I learnt for him, all the things that I have done for him and his family, all the time and energy I have spent felt useless. When I confronted him he never accepted it and says it’s all in my head. I gave him some time leaving it aside thinking he would bounce back once he is done with it. So I asked him to move in with me so we could bond and spend time alone. We moved in together finally but things didn’t go as I expected. When I leave for work he would either go meet the woman or worse bring her home. He continued it and I ran out of patience. I talked about it with my family and his. My family supports my decision with whatever I would want to do and his family would back him up saying that they have brought their son up my utmost values and he wouldn’t do such a thing. So finally they have sent us back to our homes hoping things will be fine. He still talks to the woman every night and God knows how many times I cannot make it out in the day time. I’m sorry it’s a long read for you but I wasn’t sure what to express and what not to, for you to help me with a suggestion.I have tried to catch his act using technology but he is too clever to be caught. Trust me, I’m a tech lead at an IT firm and I have tried a lot of methods to catch him but all of them are valid-invalid proofs and he is quite a story teller to make them all look null.I feel nothing inside most of the times and simply want to come out of this but not without showing his true form. For once, I want to win. Win huge this way. If you can help me out I will be grateful for that. Please keep me anonymous if you could.Thanks a lot for reading this.
Ans:

Dear TK,

Thank you for sharing so clearly; it certainly helps me guide in the best possible manner.

If you feel that he is infidel, the there is no necessity to go around looking for proof.

What will proving that give you?

Even if you showed it all to his parents what is the guarantee that they will not turn it around and blame you for it?

That you should not have moved out and that’s why he needed the comfort of other women.

Quit focusing on proving his infidelity and focus on more what you want at this point in time.

Do you want to continue in this marriage?

If NO, exit in the most graceful manner because the stress from all the pulling down or Win that you are looking for is strenuous and of no use. It will only appease your EGO which anyway is short-lived.

But of course, if you are in the process of negotiating terms during divorce proceedings; this proof maybe valuable to have a better WIN. I hope I have succeeded in differentiating both types of WINs so you get a clearer picture.

Now coming to how you must deal with your mind space is as simple as listing down what is important to you.

Is it dwelling on what he does or emphasizing more on what you can do?

When it’s the latter, you will think and act in a manner that looks out for you and how you can keep yourself in an optimum mind space.

So, start focusing on what makes you happy and stick to that.

When you are ready to move on, make it graceful and if there seems to be a problem with negotiation, the proof that you have collected with a sane sense of mind will come in handy.

I assume that there are no children involved but if there are, take into consideration how they will cope with any decision of yours.

Bottom Line: Learn to live your life and focus on what’s important. I am confident that you can do this NOW.

All the best for a beautiful mind space!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

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Relationship
 Hi, I am married and I have a one year old boy. My husband and I were good friends before marriage. After the marriage, for the first few days, he was very loving and caring. But he was reluctant to have physical intimacy and always avoided me. Later on, he started to pick up silly fights whenever I approached him with love. Then fights became a routine in our life. He accused me of being doubtful, jealous and arrogant, but I simply tried to solve the issue with him. At a later stage, his parents and younger brother intervened in the issues and they also had allegations against me. They even tried to picturise me as a mental patient, who intentionally creates troubles. I was actually feeling lonely when even my parents told me to go for counselling. The psychologist whom I consulted, laughed at their accusations and suggested my husband to consult a family therapist. Even though he was reluctant initially, he came later to see a family therapist. After that, he started to love me, and we lived happily for a few months. Problems started to rise once again, when he came to know that I'm pregnant. He accused me of cheating him and his parents even tried to abort the baby without my knowledge. I opposed abortion, but they intentionally created chaos even in the eighth month of pregnancy. After the birth of the baby, every day, he would shout at me to leave the baby there and go somewhere.He always said, I have a baby now, I don't want to make love anymore, never ever ask me to have sex. And the toxicity his parents are showing is also humiliating. I have 2 questions.1. Why is my husband always reluctant to have a physical relationship? He takes care of the baby well and showers love but neglects me and my needs often.2. After all this toxicity, is it worth to stay with them? Narcissistic in-laws are making me violent and out of control, at times, harming myself. I am losing my self-esteem and falling into depression, nowadays. Please reply.
Ans:

Dear VM,

He is reluctant to have a physical relationship because deep down he has issues that he does not want to confront.

It could be emotional or physical issues that he is embarrassed to share as it might challenge his ‘manhood’.

Most people like to life in that false pride rather than solve the issue at hand.

So, he absolutely needs to go to a doctor or a therapist who can help him out of this issue and hence the two of you can begin to bond. Else today he accuses of cheating, tomorrow it will something else and then something else.

This issue is being beautifully masked by your in-laws who also possibly don’t know that their son needs HELP. So, it’s easy to blame it on you.

Staying with him or not is a personal decision that you must make. Ask yourself:

What is it that I am getting from being in this marriage?

What will I lose by walking out?

How will walking out impact the baby?

Do I have a support system that will stand by me as I choose to leave the marriage?

Evaluate your state of mind and focus on getting better by being happy and cheerful and reaching to those who can keep you in that state.

Whatever you choose to do, do not waste another moment here on wasteful situations and do what’s best for you and your baby which I am suer you can.

Best wishes!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Aug 25, 2022

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Relationship
Hello love guru. I wanted to know if I am wrong or right. As my husband has blocked me from phone by all means and do not even talk to me, so what should I do? I am working far from my Father in laws home where he stays with his brother (divorcee). He is not working and I am working and taking care of two daughters. Whenever he comes here, he fight a lot saying insane and sarcastic words to me. Since two and half months he stayed with us and left us (though he sometimes talk to my daughters only). I feel alone and nobody is there to support me or even talk to me for my emotional support. Now somebody has started talking to me and even I started, I really do not know what to do. Kindly guide. I told this to my husband also and he says whatever you wish you do.. I do not know why he says like this..He did not even tried to search a job where I am working, but when he went to inlaws there he started searching interestingly. If we do not talk then how  our relation will continue being husband. Also I found many times that he keep on searching call girls from his mobile phone search history and even his friends at inlaws told me that they saw girl accompanying him..but even I want to forget all these things as I found my daughters feel happy to talk to him..but what about my emotions and my physical needs..who will take care of if this keep on continued...as after marriage I found no happy-happy situations for me atleast..he says he lost all his jobs because of me..But all baseless objections...and blames me, harms me by beating also some times..I some times cry alone... but  this is not the life I expected after working so hard...I also used to pay him all money whatever he and whenever he demnaded.. I paid more than 10 lakhs of savings to him till date and did not even ever counted..he also stolen all gold from home without even asking me..I want to forgive him for all but when he is not interested in talking to me and just ignores me then how and why I should continue with him..just because he is my husband..or should I remarry to someone who is really willing to marry me...knowing all these things..or should I dont? As a mother of two daughters I sometimes think..that my only responsibility is to upbring my daughters...but then I also needs someone's emotional support...though economically independent..I also said to him to give me alimony as he does not pay anything to me and also file for divorce...as even I have a right to live happily...kab tak aise hi aansu bahau uske liye jisne mujhe block hi kar rakha hai from phone? I am confused please help me out!!
Ans: You have a husband who is an unemployed, good-for-nothing bum, who doesn't show you respect, steals from you, lives apart from you, likes to associate with call girls, blames you for his failures, beats you and doesn't care if you have an affair. He ‘talks to your daughters sometimes’. Honey, you need to be emailing a divorce lawyer, not this column. And do it immediately. Yes, you're more than just a mother and you do deserve emotional support. You should cut him loose immediately.   

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

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I am from Hyderabad. Age 40 years old . My name is XY and I’ve been married for 17 years. I have two boys. Ours is a love marriage.I felt like everything will be good and smooth but right after our elder kid was born my life changed. I am an MBA and several times I told my husband that I’d like to work. He said he’d help when the right time and opportunity comes. Until then I should nurture my kids as it's my responsibility and I should support him. But in the 2015, my kid noticed his chats with another lady. I was shocked because many times he’d refused sex with me. We’d get intimate maybe twice or thrice a year. I thought he was busy or maybe he doesn’t like my body. But when I caught him he said, what is over is over. Don't raise the topic. Leave me. I just kept quiet. He said what ever happened, I will be the same for my kids’ future sake. Many quarrels happened. But in 2020 his behaviour came to light. For example if I said anything, he'd punish me by not speaking to me for months. But he'd want me to wash his clothes and fulfil other necessities at home.Once I opened up and said I want to go for counselling. There he told the doctor, ‘She wants my property but she never allows me to care of my mom. She won't allow me to talk to my friends.’ I was shocked. I told him 'I never asked for money or property. I just want to quit.' I went home and told myself if he repeats this another time I won't take it for granted. But again in the month of February, he continued his behaviour. He shifted to another bedroom for a few months where he’d watch TV and have food. He'd even sleep in the kids’ bedroom. I stopped bothering. At some point, I felt like I deserved someone who trusts me.I want to quit because he thinks I am a loyal maid who will take care of kids and the household. He communicates with like ‘What I should get? Milk veggies etc?’ He never treats me with love and affection. Now everything is spoiled. I want to have a new life. I want to be set free from him. Please suggest what to do.
Ans:

Dear XY,

And may I ask what exactly are you waiting for?

Why did you think that by you going for counselling, your husband will change his behaviour towards you?

How is that he cheats on you and still you allow him to treat you this way?

This only shows that you have lost your strength which you need most right now.

What if you were a strong independent woman who has been working?

Would you still subject yourself to this? You know the answer!

Bring back that woman who had dreams, who knew how to walk the path, who knew how a man should treat her, who knew what a marriage really is.

Can you do this?

Your kids need their mother to stand up for herself and do the right thing.

Be the woman who will not settle for anything that disrespects a woman or another human.

Seeing this, they will also know how to treat a woman and what a woman can bring into their lives.

Do the right thing, for yourself and them. Bring back that strong, independent woman who knew this and more.

Best wishes!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 2023

Asked by Anonymous - Sep 26, 2023Hindi
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Relationship
Hello My husband and I took mutual divorce before 1.5 years. this was my second marriage and I married him because he assured me that he will be a father for my toddler. after 7 years of adjustments in marriage (as he was not good as a, neither emotionally nor financially) father, he filed for divorce in just 20 days of our arguments. He raised his hand so I was upset and angry so I too signed the papers. Just after filling divorce that he started asking me to come back else he will get married. I denied to go back and he started seeing girls within a week of filling divorce. With the court procedure, he used to ask me to come back but I was heart broken bcoz he was seeing bride so I denied again. This was continued and our divorce granted. Now since six months again he started approaching me by saying that I only love you and so could not get married. for your kind information, he is very impatient and aggressive by nature. Due to his nature and behaviour I and my family decided to cut him off because it is creating stress only. but till today he is trying to contact me by one or other means. I am already very stressed and emotionally broken down because this happened to me second time. Some times I feel that I should give him one more chance but when looking to my kid, who is 12 now, I am giving up on this thought. and I am not sure whether he is doing this for feelings or just because he is not getting a woman of his choice to marry. My family members are saying that he has no feelings for me and my son but he is just calling me back for his adjustments. I don't know I should trust him or not.
Ans: Dear Anonymous,
What sort of a game is this? Like children fighting on one day and not speaking with one another and then making up the next day only to fight again...
Why so much of vacillation on your part? When you two separated, was it a conscious move or was it on an impulse?
Also, be very cautious as to why he is insistent on getting back with you?
Also, has he changed his ways and will he be more available to the family now? Wasn't this the reason that actually things went downhill for you?
Plus, he's looking at prospective brides...and you say that he is aggressive and impatient...

So, what is your confusion here?
What will you get by getting back with him?
What will you lose or not gain by not getting back with him?
Are you willing to make compromises to be with a person that you call aggressive?
How is this going to affect your child given that your ex-husband is not emotionally or financially stable?

Weigh it all out and then make a decision that is right by you and for you and for your child.

All the best!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..now my dad is asing me to come home..pls suggest me what should i do ..should i run away or convince them
Ans: Dear Anonymous,
Classic emotional blackmail...this is not new and I have seen this in many households. Your parents are not wrong from their point of view as they feel they will choose the best person for you. But obviously blackmailing you with consequences like your father will die etc is childish and immature...
You are an adult and know what you are doing. But also, take your parents into confidence by reassuring them that you know what's right for you. Eventually in due course of time, they will come around...They might not too...Don't stress over it as any relationship that you enter into if it is based on what your parents wish may not be the best for you...
It's not about them but they are making all this about them...turn the attention onto yourself by talking to them about your independent thoughts, financial independence and how the boy is right for you (if of course the boy is right for you).
Wait patiently till they turn over...make this attempt with baby steps without giving into fights or bouts of arguments!

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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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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I am retiring with a corpus of 1.8 Cr in May 2024.I will be getting a monthly pension of 90,000.Please suggest investment options for my retirement corpus.
Ans: Congratulations on your upcoming retirement! Having a 1.8 Cr corpus and a 90,000 monthly pension puts you in a great position to enjoy your golden years. Now, let's talk about smart investment options to make your corpus last!

Understanding Your Needs

First things first, we need to understand your lifestyle and spending habits. Knowing your monthly expenses will help decide how much you can safely withdraw from your corpus each month.

Security and Stability

Since retirement is about enjoying life without worry, focus on a good mix of secure and growth-oriented investments. This will provide you with a regular income and the potential for future growth.

Investment Options to Consider

Here are some investment options to explore, keeping in mind your need for both safety and growth:

Senior Citizen Savings Scheme (SCSS): SCSS offers a safe and guaranteed return, with interest credited quarterly. It's a good option for a portion of your corpus.

Monthly Income Plans (MIPs): These are mutual funds that invest in a mix of stocks and debt. They offer regular monthly payouts, while also giving your money a chance to grow.

Debt Funds: Less risky than stocks, debt funds invest in government bonds and corporate bonds. They provide stable returns and are good for building a buffer.

Actively Managed Equity Funds (AMCs): AMCs invest in stocks, aiming for capital appreciation over the long term. They can be riskier, but offer the potential for higher returns if the fund manager makes good choices.

Remember, diversification is key! Don't put all your eggs in one basket. Spread your corpus across different asset classes to manage risk.

Seeking Professional Help

A Certified Financial Planner (CFP) can be a valuable resource. They can assess your needs, risk tolerance, and recommend a personalized investment plan that aligns with your retirement goals.

Regular Reviews are Important

The market keeps changing, so your investment plan needs to adapt as well. Schedule regular reviews with your CFP to ensure your investments are still on track.

Living Within Your Means

The key to a happy retirement is living within your means. Don't overspend your corpus. Plan your monthly expenses and withdraw only what you need.

Focus on Long-Term Growth

While some income is important, don't neglect long-term growth completely. A portion of your corpus can be invested in AMCs for potential capital appreciation.

Be Patient and Enjoy!

Building wealth takes time. Don't get worried by short-term market fluctuations. Stay invested and enjoy your retirement!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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I am 27 years old and have investment goal of 2 crs of by the age of 31. please suggest some sip or mutual munds which is the better
Ans: That's a fantastic ambition you have! Setting a clear goal like this at 27 shows real planning smarts. Reaching 2 crores by 31 through SIPs is possible, but it requires a well-crafted investment strategy. Here's why actively managed mutual funds might be a good fit for you:

Understanding Your Risk Appetite

First things first, we need to figure out your risk tolerance. Actively managed funds are generally considered riskier than passively managed options like index funds. This is because actively managed funds have a fund manager who tries to outperform the market by picking individual stocks. This can lead to higher returns, but also comes with the chance of underperformance.

Why Actively Managed Funds?

While index funds offer a diversified, market-matching approach, actively managed funds can potentially deliver higher returns if the fund manager makes good stock selection calls. This "outperformance" can be crucial for achieving your ambitious goal within a shorter timeframe. However, remember, actively managed funds aren't guaranteed to outperform!

Building a Diversified Portfolio

Here's the key: Don't put all your eggs in one basket! To manage risk, consider a diversified portfolio of actively managed funds across different asset classes like large-cap, mid-cap, and small-cap stocks. You can also explore sectoral funds that focus on specific industries like IT or pharma.

Remember, diversification is your friend!

Seeking Professional Guidance

Since actively managed funds involve more analysis and selection, consider getting help from a Certified Financial Planner (CFP). A CFP can assess your risk profile, investment goals, and recommend a suitable mix of actively managed funds to create a personalized investment plan for you.

Regular Reviews are Key

The market keeps changing, so your investment plan needs to adapt too. Regularly review your portfolio with your CFP to ensure your chosen actively managed funds are still aligned with your goals and risk tolerance.

Remember, this is a marathon, not a sprint!

Staying Invested Matters

Don't get swayed by market fluctuations. Actively managed funds aim for long-term growth. Stay invested and avoid frequent withdrawals to benefit from the power of compounding.

Discipline is Your Secret Weapon

Consistent SIP contributions are key to reaching your goal. Even small amounts invested regularly can grow significantly over time.

Focus on Long-Term Growth

Actively managed funds are for long-term investors. Don't expect quick riches. Stay focused on your 2 crore target by 31 and avoid chasing short-term gains.

Be Patient and Persistent

Building wealth takes time and discipline. There will be ups and downs, but staying patient and persistent with your SIPs will increase your chances of success.

Believe in Yourself!

You've set an ambitious goal, and that's a great first step. With the right approach and guidance, you're well on your way to achieving it. Keep the faith and stay invested!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 07, 2024Hindi
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Money
Hi Sir, Me and my wife both are 40 years old. Together, we both earn around Rs. 2.5 lacs per month. We have around Rs. 1cr in MF and 50 lacs in Stocks. We are investing monthly SIP of Rs. 1 lacs per month.All the SIPs are equity oriented.Paying Rent Rs. 45k and our monthly expense is around 90 k (including rent). We have 2 kids ( 7 years and 2 years), one is having medical (Cerebral Palsy) Issue. We plan to buy a house in Gurgaon. What should be our Ideal budget to buy a property? Understanding 1 kid will always be dependent on us . No other EMI as of now.
Ans: Here's some guidance on your ideal budget for a property in Gurgaon:

Financial Strength:

Combined Income: Rs. 2.5 lacs per month is a good starting point.
Savings: Rs. 1.5 cr (Rs. 1 cr in MF + Rs. 50 lacs in Stocks) is a significant sum.
Investments: Rs. 1 lac monthly SIP shows strong saving habits.
Challenges:

Dependent Child: Having a child with Cerebral Palsy will require long-term financial planning for their care.
Monthly Expenses: Your current expenses are Rs. 1.35 lacs (including rent).
Considering these factors:

Don't stretch too thin: While you have a good income and savings, prioritize your child's needs and future medical care.
Target a 15-20 year loan term: This keeps your monthly EMI manageable.
Recommended Budget:

Focus on affordability: Aim for a property with a total cost (including registration and other charges) between Rs. 50 lacs - Rs. 1 crore. This translates to a monthly EMI of around Rs. 30,000 - Rs. 60,000 (assuming a 15-20 year loan term).
Location: Consider areas in Gurgaon with good healthcare facilities and accessibility for your child's needs. Explore areas like Sectors 56, 70, 84 or Gurgaon outskirts like Sohna or New Palam Vihar which may offer better affordability.
Additional Tips:

Talk to a Financial Advisor: Discuss your situation with a Certified Financial Planner (CFP) to create a personalized financial plan considering your child's needs and future goals.
Research Property Options: Look for resale flats, builder floors, or upcoming projects in your budget range. Use online portals like MagicBricks or NoBroker to get an idea of prevailing prices.
Factor in Additional Costs: Remember, there are additional costs besides the property price – registration charges, stamp duty, maintenance fees, etc.
Best Regards,

K. Ramalingam, MBA, CFP,


Chief Financial Planner,


www.holisticinvestment.in

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Hii.. i feel totally stucked in life...not only me my husband too feel helpless. We both don't know what to do in such situation. The problem is we have a son who is 22 yrs old, doesn't want to work; wants to stay at home on pretext of preparing for any exam. He is not even studying at home. We can clearly see that but he refuses to go out for work whether at his own shop or for a job. We have given him enough time to stay at home for studies but every year there is different exam for which he wants to prepare. He doesn't study sincerely at home. At least 5-6 years have passed. He's not even attending his regular college for studies. All he wants is to stay at home. He refuses to step out from his comfort zone and has become too aggressive and abusive. Please guide us what we can do to motivate him to work. Thank you.
Ans: Dear Anonymous,
Clearly your son has gotten used to all the comforts at home. What is the necessity to do anything?
Also, I suspect that writing one exam or the other is a way of escaping from what he truly wants to do in life. He is unclear and afraid to face what he might want and afraid that he might fail. This fear of failure will simply make him write one exam after the other in the hope that he does not have to decide what he needs to do.
Kindly take him to a Career Counselor who can evaluate his strength areas and suggest an academic course that is suitable for him. After which seek an appointment with a professional who can streamline his thinking and put him on a goal-focused path. This might help him.

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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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 03, 2024Hindi
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Relationship
To start with i live abroad . I was married in 2009 with 1 kid and divorced later in year 2017 abroad only as i got into a new love relationship and married after 1 yr with no kids my present wife knows about my past and moreover we trying to have baby but due to medical conditions and diabetic myself unable and have to hear negative things she is working well and independent but due to all this i befriended another girl and had developed a feeling towards her and had relationship with her as well she knows about that i am married but cant leave my gf want to marry her we had good communication as well between us but at times we fight due to issues that i am married still not divorced and moreover she doesnot know about my 1st marriage either sometimes i feel embrassing whag ppl will think of me i am tired of my life being the only child of my mom i cant do anything as she is too old 85 yrs and heart patient. I am 42 currently married with wife 41 yrs age but seems lost interest in her and often fight shd doesnt live with me as i am away for 3 years and goes home 1 a year. The new gf is 35 yrs old but dont want to lose her we have been to nany trips together in about 5 to 6 countries . I am having mentally stress what to do sometimes feel to end up my life
Ans: Dear Anonymous,
I don't mean to sound judgemental here...but what exactly are you stressed about? You seem to be hopping about from one relationship to another without working on things when they get stressful.
Did it occur to you that when things sour between two people that it is possible with some effort to work on things? The answer does not lie in running away and jump into the arms of another women.
There's a clear pattern of possible 'escapism' when things get uncomfortable...So, STOP and reevaluate what you are running from, what comfort do you run towards and how is this actually helping your mental state...
Do the right thing for yourself and your wife...take care of your marriage first before jumping into another relationship; you will only find something wrong with that as well...So, please STOP and check what exactly is happening...

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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