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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 19, 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 18, 2024Hindi
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Relationship

Hi Anu I am a 36 year old IT pro with a beautiful family (wife and 2 kids) 1 year back, i had a coworker (shes married but widowed with 1 kid) with whom i had to work on a project..we shared a good friendship and unfortunately on one occasion, under the influence of alcohol, i went overboard and had a deep sexual chat with her..it was mutual and the next day i really felt bad and apologized to her.she also said it was ok.. After that i avoided her but she kept on giving singals to continue the relationship, i sternly avoided her and pleaded with her in message and call to leave me..during the time of sexual chat, i never knew she was a widow else i wud not have done that..shes now harassing me and stalking me on social media..i really feel bad for what i did to her and am over ridden with guilt..she says lets be friends as she has no one to turn on to.. but i pretend to be as she still has that chat messages and if she raises an ombuds i will be out of the job..but worse of all, i do not want this to destroy my family life. I love my wife and kids and she wont take this easily if i disclose this to her .pls suggest a way out of this..i am really desperate..it was jus a chat and i am a train wreck now..

Ans: Dear Anonymous,
This is a bit messy...It could land you into a lot of trouble and obviously you didn't know that when you were chatting with her, right?
Avoiding her hasn't worked and the best thing possibly now would be to just be polite yet firm where she feels that she is not being snubbed. Also consider taking your wife into confidence as this will eliminate the chance of ruining your peace at home. Come clean and confess to your wife and request her to support you; of course she might give you a earful, listen to all of it.
You have a price to pay for the fun that you had that one time; so take it in your stride and tread carefully...be kind to the woman and be honest with your wife. You can only pray that this can keep you out of trouble.
And the next time you drink, kindly keep your phone away...

All the best!
Asked on - Apr 24, 2024 | Answered on Apr 24, 2024
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Hi Anu, Thanks for your response. Two things here..first I can't tell my wife now as she had lost her mom 5 months back and she's in a recent quarrel with her dad and brother on their family dispute...so breaking this news now will break her mentally..also, I have got a better offer from another company and I am not sure how this woman will take it....as of now she communicates thru office chat and the moment if she knows I got another offer, I am not sure how she will react..I really want to avoid her and I really feel sorry for kindling her feelings without realizing the repercussions...just one chat is running my life and now she's citing all the previous conversations between us and saying all those were used by me to butter her up. Those were not intimate conversations they were just casual conversations which now she feels I was trying to butter her up.. fearing her, I cannot risk my career.. pls suggest..I am.sorry for bothering you..
Ans: Dear Anonymous,
Thank you for acknowledging.
The only way to counter the co-worker is to share this secret with your wife. That will give you a fair level playing field with her. This is the only thing that she can use against you so this is the best way to disarm her and then you hope that all will be well.
But if you don't want to, there isn't much that you can do...this co-worker can use the chats to her advantage...
By not taking one way or the other, you seem to be hoping for some sort of a miracle to get you out of this hot pot. But hey, every action has a consequence, right? So, knowing what the consequence is now, do your best to control the damage and hope.

All the best!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

Relationship
Hi Anu,Hope you are well. I have recently started reading your column and I like the way you give suggestions and help people to overcome whatever issues they are going through in this beautiful journey called life.There is something that I would like to tell you and would need your suggestion and advise.There is a lady whom I know for over 4 decades living close to my house. Her father and my father are colleagues and used to work together and they are best friends. She knows me right from a very early age and she is quite elder to me by 8 or 10 years perhaps.Recently I happened to send her some MMS porn clips which I got from a group. I thought she will shout at me and block me...but she didn't do that. I still send her sometimes when I get such clips. Recently she said that this is not real. I don't know what she means by that. During my adult years when I was 21-22 years old I used to fantasise having a physical relationship with her. I had my own reasons because of the way she used to behave with me when I’d go to her house. But I never tried initiating it maybe because of lack of confidence or fear of getting scolded by her. Her kids are studying in America (masters level) and United Kingdom (graduation level).Few months ago I lied to her that there is a lady near my office who is the divorcee and is trying to get close to me physically and she is inviting me to her house a couple of times. The reason I told her this lie was to know how she will react... The moment I told her this she told me don't go to such people, just avoid her and tell her that you are in a relationship with me. I even told her that the lady who is the divorcee is asking me if I am having a physical relationship with her whom I know since childhood days. She just laughed and said your divorcee friend is mad...She even said that the divorcee friend (whom I created out of my imagination) is stuck because of my childhood friend.Whenever I ask my childhood friend to meet up she always tells me that she is busy and that she does not like anyone coming to her house because her husband might not like it.Anu what do you think? Is my childhood friend whom I know for 4 decades interested in having a sexual relationship with me but is not initiating it thinking that it will affect our married lives. Women will not do anything that will disturb their life security system. She is very rich because her husband is a corporate employee holding a leadership position and well paid around a crore per year. Will she allow me if I initiate sex with her?Please understand that I don't know how to initiate that as she doesn't want me to visit her in her house. She doesn't go out much but rather spends time home and goes out with her husband for Sunday church mass sometimes or goes to the nearby chapel for praying. I am happily married for the last 12 years.Last week also I sent her an MMS and she replied with an emoji (a grinning face with star eyes). What does this mean?Is she really wanting to have sex with me but waiting for me to initiate or she is doing time pass with me? I am willing to get physical with her.Please advise me... Thanks for reading this till the end.
Ans:

Dear SS,

Thank you for the kind acknowledgement on my columns. Much appreciated.

Why exactly is it important for you to pursue a new relationship?

As for your childhood friend, do know that being much older than you are, phases of life and its experiences are different for her than they are for you.

So, her wanting a relationship -- physical or otherwise -- maybe out of her want or lack of something in her life.

Shall we focus on you for the moment? Again, what is this interest in pursuing a relationship with her or alternatively wanting to know that if she wants one, so you can initiate it?

Where are you in terms of your ‘happily married’ life?

How does your wife feel about you being so interested in another woman besides her? Or does she not have a whiff of it as yet?

Why are you sending your childhood friend porn clips? What are you seeking from her? Or are you looking for a casual fling?

Not to sound like I am judging you here, there might be a possibility of exploring something new and different which I do see in many couples that I work with.

It could be because of the missing spark or the predictability within the marriage.

What if you spiced things up within the marriage?

Will you still feel the need to seek the company of another woman on chat or in any physical or emotional manner?

What I can suggest is: pour your energies in your marriage and it is possible that you begin to de-focus from your childhood friend and have a more meaningful connection with her.

Also, I fail to understand why she is so against you mentioning other women.

Whatever funny games that you both have been playing is rather childish testing each other and get a kick out of it.

Time to grow up and focus on your core relationships and nourish it to feel more full and content from within.

Good luck!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 22, 2023

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Relationship
Hi, I am 45 years old man married with two kids. I got into relationship with a married colleague 5 years back. She got divorced. I am not sure if our relationship was the reason for the divorce. I wanted to divorce my wife and get married to my colleague. But then during pandemic I and my colleague were physically separated. Not sure if the separation helped her realise our relationship was not going anywhere or it was not right. She called and told me that I scarred her life and didn’t want to keep in touch with me. Since then I am not in touch with her. I made attempts to but she blocked me totally. She’s in the same town but I never made an attempt to forcefully meet her. She didn’t marry again so far and don’t what’s happening in her life. But I feel guilty did I spoil her life? I really love her but if I really did why did I not know where this all will end up. I don’t think I was the reason for her break up because she developed friendship with me when her marriage was not going well. I don’t know if it was error of judgment, feel so guilty about the whole situation. Since I have been in relationship with her, never had a sexual relationship with my wife and even I don’t. Don’t know if it’s my failed or failing marriage is whole reason for this . I feel terribly guilty for my ex colleague’s situation. It’s eating me up. I question my own character, am I a sexual predator? I lose my sleep about this and not able come to terms. Need your advice, do I need a see a therapist and what kind?
Ans: Dear Rajesh,
You have the choice of playing the 'victim' or move on with life accepting things for the way they are!
Why you stepped out of marriage or why your married colleague entered into a relationship with you or why she walked out of it or why she blames you.
These WHYs will only keep making you go in circles. You need answers to these only if the two of you are still going to be involved. When that chapter of your life is over, why mull over it? This is playing the 'victim', feeling sorry for yourself and feeling guilty and trying to go back in time and thinking of what you could have done to have a different outcome. As long as these WHYs help you move on, it's fine, but if it's only going to mess with your mind and send you on a wild goose chase, kindly STOP! Sexual predator as you call yourself is just a label you choose to carry after the accusation made by your colleague after she called the relationship off. So, she takes the call and then blames you and then you decide to carry the guilt for what two consenting adults decided when they were in a relationship. Quit this mindset and seriously MOVE ON!

Can you instead focus on where your life is now and what you can do to make it better?
Indulge in a new hobby and make a few new friends and be with your family that loves you. Spend time with your children who will fill your life with a lot of happiness.
Soon, when you are ready, things might open up for a new relationship then.
So release the OLD and welcome the NEW.

Best wishes!

..Read more

Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 04, 2023

Asked by Anonymous - Dec 04, 2023Hindi
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Relationship
Sir, I have a successful career, my wife has a habit of calling my workplace female colleagues everytime and embarassing me. This has happened in Last 3 organization and inspite of strict warning she done that again where she called a very junior female staff coz she saw our team photos and starters abusing her. I somehow managed the situation at work and apologized to the employee and her family. This got spread anyway. She recently walked into my office for opening accounts and surprised me, which was noticed by my organisation. Such behaviour has given wrong clues at my office about my character and I am now in a very vulnerable state. My wife speaks to her male colleagues openly, and once clicked objectionable snaps with them which was highlighted to me by her colleague but I respected her office stature and didn't create a scene. Please help.
Ans: before proceeding, small correction its mam or madam or Kanchan not sir :)
It sounds like you're dealing with a challenging situation that is not only affecting your professional life but also potentially damaging your reputation at work. It's important to address this issue carefully and proactively. Choose a calm and private setting to discuss your concerns with your wife.Express how her actions are impacting your professional life and reputation.
Be honest about the consequences of her behavior and how it's affecting your career.Encourage open communication to understand her perspective and concerns as well. Clearly communicate and establish boundaries regarding personal and professional matters.Discuss and agree on acceptable behaviors and actions within and outside the workplace. If trust has been compromised, work together to rebuild it. This may involve setting mutual expectations and following through with them. If your wife's actions have affected colleagues or subordinates, consider offering a professional apology. Make it clear that her behavior does not reflect your professional values Reinforce the importance of keeping personal and professional lives separate. Discuss the potential consequences of intertwining the two. Consider reflecting on the overall health of your relationship. Determine whether there are underlying issues that need to be addressed for the sake of both your personal and professional well-being. Remember, it's crucial to address these issues delicately and professionally to minimize further impact on your career and personal life. If the situation continues to escalate, it may be helpful to seek guidance from professionals who specialize in relationship counseling or workplace conflict resolution.

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

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

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Relationship
Hi Anu, Thanks for your response. Two things here..first I can't tell my wife now as she had lost her mom 5 months back and she's in a recent quarrel with her dad and brother on their family dispute...so breaking this news now will break her mentally..also, I have got a better offer from another company and I am not sure how this woman will take it....as of now she communicates thru office chat and the moment if she knows I got another offer, I am not sure how she will react..I really want to avoid her and I really feel sorry for kindling her feelings without realizing the repercussions...just one chat is running my life and now she's citing all the previous conversations between us and saying all those were used by me to butter her up. Those were not intimate conversations they were just casual conversations which now she feels I was trying to butter her up.. fearing her, I cannot risk my career.. pls suggest..I am.sorry for bothering you..
Ans: Dear Anonymous,
Thank you for acknowledging.
The only way to counter the co-worker is to share this secret with your wife. That will give you a fair level playing field with her. This is the only thing that she can use against you so this is the best way to disarm her and then you hope that all will be well.
But if you don't want to, there isn't much that you can do...this co-worker can use the chats to her advantage...
By not taking one way or the other, you seem to be hoping for some sort of a miracle to get you out of this hot pot. But hey, every action has a consequence, right? So, knowing what the consequence is now, do your best to control the damage and hope.

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

...Read more

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

...Read more

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me
Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

...Read more

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

...Read more

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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