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Anu

Anu Krishna  |1414 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 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
VT Question by VT on Apr 21, 2022Hindi
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Relationship

 Hi Anu Mam, I am married for 4 and half years now and have a 3 YO daughter.
It was an arranged marriage and the families were not familiar before.
My husband started behaving very rude to me since my delivery.
He verbally abused me a lot and finally I felt something was not right and opened up to my parents, that I cannot live with him, after 3 years of the marriage.

My parents supported me and took care of my daughter and me for a year, after which my husband's family convinced me to move back in with him.
When I came back to him I realised he has been cheating on me with his colleague since before my delivery.
When I probed the issue further, without his knowledge, I got to know that he was a polygamous person for 10 years before marriage. And this shook me.

I also got to know he is meeting one of his female friends after work hours, lying to me. He used to lie to me that he's going out for work and talk to his other female friend on phone for an hour or so, once every 2-3 days.
He watches porn every day.
I slowly realised he was just exploiting me for his physical needs.
Our relationship turned cold within 3 months of restarting it.
I was not happy being with him. I knew he was still cheating me, but he never obliged when I confronted.
I could not let him even touch me.
Finally, out of his frustration, he physically attacked me in front of our daughter, tried to strangulate my throat, but by god's grace I could save myself.
That day, 30th of August 2021, I left that place with my daughter and came back to my parents.
I filled a domestic harassment complaint against him, for which we're attending counselling sessions now.
I cannot think of a life with him anymore.
I have made up my mind to file an FIR against him soon.
I must say I'm at peace now.
But I still have a lot of anguish whenever those thoughts cross my mind.
Is there a way where I can make peace with my past?

Ans:

Dear VT,

Physical abuse is an absolute NO and so is emotional abuse. I am glad that you have decided to end this misery for yourself and your daughter.

Please proceed with the FIR and also seek help on filing divorce if that is something that you have considered.

On the emotional part of it, it will take a toll on you and your health as you are unprepared at this moment. So start by:

1. Visualizing your life without him by your side

2. Working out granular details like finances and where you will live

3. Chalking out a plan of how your daughter will be cared for if you choose to start working

4. Listing down which close family member will be by your side (emotionally) always

As daunting as this may seem, it is possible to be in a space of strength which you already have experienced and move ahead to a better life.

And as you do this, do remember that you are important, so take care of your thoughts and feelings as well.

  • Spend time in Nature observing and appreciating
  • Surround yourself with people and friends who care and love you unconditionally
  • Exercise and eat well
  • Pamper yourself by caring for your physical appearances
  • Do what you love every day at least for 30 minutes

Situations maybe tough to handle but building strength within at the right time is what is the need of the hour.
I wish you the best in life always.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1414 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

Relationship
Hi Anu, 10+yrs of marriage with 9yr child. I am working and all financial burden is on me. I shifted separately from in-laws' house due to financial constraints and expectations. Though elder-in-law, my in-laws didn't try to stop our decision to move separately despite knowing that my hubby doesn't earn a single penny. They expected and I had to share financial expenses with my marginal income 10 years ago. After 5 years, we moved nearby and purchased our own house very little help from in-laws. I took loan and managed the rest with help from my family and friends. In between a lot happened. My father-in-law expired and my mother-in-law is a cancer patient. My mother-in-law started expecting from my hubby and me, probably because her younger son shifted with her family. She didn't want to live with them due to differences with her wife. She complained to my husband that we are not good enough to take care of her. I already had a lot of burden from office so I told my husband to take care of our child as well for sometime. He was quite depressed and frustrated with his inability to earn. Already lot of my hard-earned money has been put in his work n wasted.Now, the real problem during these difficult times began when we started fighting. I had lot of office stress and after mother in law complained, she shifted with her other son. At times, I got frustrated with my child also due to the whole mess, financial burden. I felt like all my hard earned money was wasted due to office stress and my hubby's irresponsible behaviour. He did not even take care of my child’s studies. He started watching porn... I saw him twice and even warned him. My husband started cheating on me with our maid. He did it when he was stressed because I was not able to give him time. I confronted him and since then it has been an emotional trauma. I am yet to accept it. 9 months have been passed. We decided on certain things but I couldn’t accept it.. Due to our emotional bond, I gave him another chance... During that time he accepted and was ready to leave everything and wanted me to be happy. He said he committed a big mistake but recently I found he called that b**ch later. When I confronted him he said he’d advised not to come home in front of his family members. I decided it would be best for him to move out and work from another place. My MIL was living with me but then I felt it too much at times.. now somewhat even my child has emotionally detached from him. It’s the same with him as we've been staying separately from 7 months. He visited 3 times during puja and other needs. I feel emotionally detached and I can’t digest the family situation.Sometimes I feel it's difficult to find the courage to avoid all and live alone. What's the point in living in a marriage for sake of it without having any emotional, physical, financial dependency or security?I am 39 and earn a decent salary at this moment. But I am not sure of my future as I work in a private firm. I am worried about my child’s education, old age, financial insecurity and burden. I haven’t been able to save much because of our financial liabilities and husband’s investments in businesses that never materialised.Before this incident, my husband supported me in my career and also to bring up our child. But what happened is too much and unexpected. Any suggestions?

..Read more

Anu

Anu Krishna  |1414 Answers  |Ask -

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

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Relationship
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!

..Read more

Anu

Anu Krishna  |1414 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 15, 2024Hindi
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Relationship
Hello sir/Madam I'm going through a rough time of my life and want some help from you I am a professional and 48 years old and I have 2 grown up children My problem is that I had a love marriage with my husband22 years back and his family didn't accept me whole heartidly since we belong to different castes and culture .they wanted to take advantage of me financially My husband has strained his relationship with my mom n only sister after my father's death in 2008 over money matters Me, my husband and children live in a house provided by my parents in a different city from my inlaws They always create differences between us still Now another problem has cropped up in our relationship I spied on my my husband's mobile n discovered tha that he has sex chats with other women and is involved in mastrubating sessions with them over phone I am completely broken from inside n not able to decide what to do coz when i confronted him , he flatly refused n fought with me and started putting false allegations on me .I am quite disturbed as i dont want to end my marriage eventhough he behaves very bad with me at times Kindly advice me
Ans: Dear Anonymous,
Since you know that you want this marriage still, then the best way to not be hurt and strained around him, is to:
Either:
- Ignore what's happening and what he's doing and he leads his life and you lead yours (This is not easy, let me warn you!)
OR
- Live separately; you are financially independent and have your home to live in; he can go live with his parents and see if this works

Sadly, you married someone who has not learned to appreciate his partner and is perhaps playing to his own insecurities. It's totally on him and why I say that you are not to blame is: the fact that you still want to continue in this marriage, you may have to face more of this humiliation and hurt. If this is your decision, you really need a very steely interior and a facade that can face it all.
Yes, counseling is an option for him and the two of you as couple, BUT I don't see that in him as yet...Instead of addressing his wife's hurt and pain, he has refused to acknowledge what he's been up to. It doesn't say a lot about him to me.
So, strengthen yourself into your decision and check the two choices above and see what works best for you...

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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Dr Ashish

Dr Ashish Sehgal  |115 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Relationship
Hi sir, I am 34 year women with 2 girl kids. I m working in IT and I earn good amount of livelihood. Sir I hv been married for 6 years and after 1 year of marriage me and my husband understanding issue started where he wants to dominate on me in all senses including financial stuff. But I was okay n in 1 year my 1st daughter born then serious issue started I had rejoined job n discontinued giving all my salary to him. I started savings for my kid where he was nt happy he indirectly demanded my complete salary to be given to him as I did before issue start. Bt in 2020 as lockdown happened he moved to his village where It was very difficult for me to work bt demanded to come to his place. I denied and concentrate my career. So he left us 2 years he did call n check how is kid. Then again he came back 2022 with elders we moved to together to city and again asked money as my sal was increased if nt asked me to barrow 50-60lac as loan n give to him for property which he agreed to make it my name in his place. Bt I denied bc I couldn't trust him meanwhile 2nd daughter born. I came for mother place n he started doing backstabbing abt me n my family within relatives. When I asked he stopped coming visiting me n my daughter and he turn up for 2 baby also it's been year now. Sir my question is ..I m fed up of his behaviour n I dont trust him. As I hv two kids is it really difficult to live without him in this society. As many of my relatives are suggesting go and call ur him how can you live alone with 2 daughter. Sir pls guide me what should I do now ..I tolerate him all these years for kids and society. Now I m done n scared as will I be able to handle all alone. My parents are big support and now I m nt in condition where I go legally against him. Is my decision of living by myself with my daughters and parents is correct or wrong decision or I should go with him.
Ans: Your situation is indeed complex and emotionally taxing. It's important to approach this with both clarity and compassion for yourself and your daughters. Here are some steps and considerations to help you navigate this:

Self-Reflection and Clarity
Acknowledge Your Feelings: It’s essential to recognize your feelings of frustration, fear, and exhaustion. These emotions are valid and need to be addressed.
Define Your Priorities: What are your primary concerns? Your children’s well-being, your financial independence, your personal peace, and safety are likely at the top of this list.
Evaluating Your Relationship
Assess Trust and Respect: Trust and mutual respect are fundamental to any relationship. If these are missing, it is challenging to maintain a healthy partnership.
Past Behaviors as Indicators: Look at the past behavior of your husband. Consistent demands for money, lack of support, and absence during critical times can be telling signs of his priorities and commitment.
Support System
Lean on Your Parents: Having your parents’ support is a significant advantage. They can provide emotional, physical, and perhaps even financial support as you navigate this period.
Professional Help: Consider seeking counseling or support groups for single mothers. These resources can provide guidance, emotional support, and practical advice.
Societal Pressure
Redefine Norms: Society often has rigid expectations, but your well-being and that of your children come first. Living according to societal norms at the cost of your mental peace and safety is not sustainable.
Role Models: Look for examples of other women who have successfully managed similar situations. Their stories can offer inspiration and practical advice.
Legal and Financial Considerations
Know Your Rights: Even if you’re not in a position to take legal action now, it’s essential to be informed about your rights regarding child support and alimony.
Financial Independence: Continue to safeguard your financial independence. This will provide security and stability for you and your daughters.
Decision Making
Short-Term vs. Long-Term: Think about both immediate needs and long-term goals. What decision will bring peace and stability now, and what will be beneficial in the future?
Children’s Well-Being: Consider the environment your children will grow up in. A peaceful, loving environment, even if it’s without their father, might be more beneficial than a toxic, conflict-ridden one.
Practical Steps
Document Everything: Keep records of communications and financial transactions. This documentation can be crucial if you decide to pursue legal action in the future.
Plan for Independence: Create a plan for your independent living situation, including budgeting, childcare, and career progression.
Final Thoughts
Choosing to live independently with your daughters is a courageous and often necessary step for many women in similar situations. Trust in your strength and the support of your parents. It’s important to remember that living a life of peace and dignity, even if it means being a single parent, is a powerful and positive example for your children.

You are not alone in this journey. Seek the support you need, trust your instincts, and prioritize your and your children’s well-being above all.

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Nayagam P

Nayagam P P  |4006 Answers  |Ask -

Career Counsellor - Answered on Dec 29, 2024

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Nayagam P P  |4006 Answers  |Ask -

Career Counsellor - Answered on Dec 29, 2024

Asked by Anonymous - Oct 13, 2024Hindi
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Career
Sir, my name is ayush Chaudhary. I am from uttar pradesh. I am pursuing my graduation degree BA in hours from Lucknow University teer 3 college reason. I can understand english almost and I can speak english little bit. Now, what are career options that I can pursue.
Ans: Ayush, Here are some Career Options Following a Bachelor of Arts (BA) (Hons) for you, based on your Commitment (financial / non-financial) Interest, Aptitude, Attitude, Interest, Orientation Style & Personality Traits:

• Civil Services (UPSC or State PSCs): Prepare for UPSC or Uttar Pradesh PSC exams while pursuing graduation.
• Teaching or Academia: Pursue a B.Ed post-BA to qualify for teaching positions in schools.
• Content Writing and Journalism: Start with freelance writing jobs or internships. Consider a postgraduate diploma in Journalism or Mass Communication.
• Sales and Marketing: Apply for jobs in FMCG, real estate, or insurance sectors and improve communication skills.
• Customer Service and BPO Jobs: Apply to companies with customer support operations and gain initial experience.
• Digital Marketing: Take online courses on platforms like Coursera or Udemy and start working as a freelancer.
• Government Jobs: SSC CGL, CHSL, Railways, Banking (IBPS, SBI PO/Clerk), and Uttar Pradesh government jobs.
• Law (LLB): Pursue a 3-year LLB after BA and become a lawyer.
• Social Work: Pursue a Master’s in Social Work (MSW) or join NGOs for on-ground experience.
• Entrepreneurship: Take small courses in business or entrepreneurship and seek guidance from mentors or incubators.
• Skill Development: Improve English Communication, Computer Skills, and Certifications.
• Steps to Take Right Now: Evaluate Interests, Start Learning, Network, Apply for Internships, and Prepare for Competitive Exams.
All The BEST for Your Prosperous Future, Ayush.

Follow RediffGURUS to Know More on ‘Jobs | Education | Careers’.

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Nayagam P

Nayagam P P  |4006 Answers  |Ask -

Career Counsellor - Answered on Dec 29, 2024

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Career
What should a person expect his salary from other company base on his 5+ years of experience in service sector companies. (Ex. Position as SPE, Present salary is 4.5 lac) Please advice.
Ans: Kishore Sir, Before addressing your questions, if time allows, I kindly suggest attending the complimentary webinars offered by Vikram Anand, Sakshi Chandrasekar, and Sawan Kapoor, who possess specialized expertise in Resume Building, Salary Negotiation Skills, and LinkedIn Profile Building. They offer a wealth of insights during their complimentary webinars, which can be extremely beneficial for refining your Resume/LinkedIn Profile and enhancing your Interview/Salary Negotiation Skills. You have the choice to decide whether to opt for their paid services.
Now coming to your question. Compensation expectations for individuals with five years of service sector experience are influenced by industry norms, location, talents, and firm. Industry norms suggest that mid-level jobs with five years of experience typically pay 30-50% of the current wage. Higher offers may be available for specific skills, certifications, or higher-paying industries. Location also plays a role, with higher salaries in urban areas and high-growth industries. Researching salary benchmarks and focusing on non-financial advantages can help negotiate better offers. The typical pay range is between 6-7 LPA for those with five years of experience.
All The BEST for Your Prosperous Future.

Follow RediffGURUS to Know More on ‘Jobs | Education | Careers’.

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Ramalingam

Ramalingam Kalirajan  |7367 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

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Money
Requesting you, to help me, regarding midcap 150 etf of mirae asset midcap 150 etf for longterm through SIP
Ans: Let us review the suitability of investing in a mid-cap 150 ETF for the long term via SIP.

Understanding ETFs and Their Characteristics
Passive Management: Midcap ETFs replicate an index like the Nifty Midcap 150.

Cost Efficiency: They offer lower expense ratios compared to actively managed funds.

No Active Decision Making: They do not try to outperform the market but track the index.

Volatility Concerns: Midcap indices are more volatile than large-cap indices.

Returns Depend on Index: The ETF's performance mirrors the performance of its benchmark.

Disadvantages of Investing in Midcap ETFs
Lack of Active Management
Mid-cap stocks are highly volatile.

Active fund managers can adjust portfolios to limit risks during downturns.

ETFs lack this flexibility, as they strictly follow the index composition.

Limited Flexibility in Rebalancing
Market conditions often demand sector rotation or stock-specific decisions.

Actively managed funds adapt to such conditions, but ETFs cannot.

Tracking Errors
ETFs may not perfectly replicate the index due to tracking errors.

This can affect returns, especially over the long term.

Why Actively Managed Funds May Be Better
Fund Manager Expertise
Skilled managers can outperform the index by selecting high-growth stocks.

They can mitigate risks in falling markets through tactical decisions.

Flexibility in Stock Selection
Active funds are not limited to a predefined basket of stocks.

Managers can select fundamentally strong stocks beyond the index.

Potential for Higher Returns
Actively managed funds have historically outperformed midcap indices over long periods.

This makes them a better choice for wealth creation in the mid-cap segment.

Recommendations for Long-Term Mid-Cap Investments
Diversify: Include actively managed mid-cap funds instead of relying solely on an ETF.

Professional Guidance: Invest in regular plans via a Certified Financial Planner.

Monitor Performance: Review fund performance every 6–12 months.

Manage Risk: Avoid overexposure to mid-cap investments due to their volatility.

Final Insights
While Mirae Asset Midcap 150 ETF is a low-cost option, it has limitations.

Active mid-cap funds can better navigate market volatility.

They provide the flexibility and expertise required for wealth creation.

For long-term SIPs, consider balanced exposure to actively managed funds. This ensures both growth and risk management over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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