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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 16, 2023

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 - Aug 09, 2023Hindi
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Relationship

Hi Anu, I am 39 Year Old Male and My wife is 37 years old, we are married for 12 years. We have 2 kids (A Son Aged 9 Years) and a daughter aged (2 years). We had good and bad both times during 12 years of our marriage. However it was my anger on petty issues which lead to multiple quarrels over the period. Last month again we had fight and my wife left home without my or my family knowladge along with both our kids to my in-laws. During this 1 month of seperation i realized my mistakes and are ready to amend it, but my wife lacks trust now. We are not in touch since she has left as she has blocked my number and send me court notice of maintenance also (Ofcourse notice has lot of lies also). No i have understood my family's values and unable to bear such distance from both wife and kids. What my wife is thinking i dont know. Financially i have always kept her happy but due to my quarrels things have gone bad now. Please advice what should be way forward for me and what should i do to bring my family back. PLEASE GUIDE!

Ans: Dear Anonymous,
Ego trips have divided the two of you considerably.
Seek the help of an elder member of a family who will act like a go-between and a mediator. He/She must be neutral and unbiased as well.
This helps in having a smooth flow in a conversation between you and your wife where both of you can our in your woes and also be clear on whether either of you want the marriage to continue or not. Also, take into account the children and their welfare as they are very young and any decision taken will impact them in one or many ways.
If this mediation fails, kindly seek the help of a marriage therapist/counselor even this means sharing 'stuff' with a total stranger. Most often that stranger will be the person to facilitate a smooth reconciliation if the couple also wants the same.

All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 01, 2023

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Relationship
Hi Dr. Ashish, Good Afternoon, Iam 45 years old. I got married in 2010. My wife has ego and doesnt get adjusted to me and my family. I occured the experience after 2012 when my wife was 2 month pregnant. I was going to job, there was no peace of mind at all. From 2013 february we are not staying together. Her life is running as per her mother advice. We are having a communication very rarely. I had heard from her mother in law like impotent, not capable of doing anything. There are de-grading words always used and treated with no respect whenever i visited my wife house. My wife has communicated me verbally on January 2023, that she doesn't want the relationship to continue. She blocked me on whatsapp dated 03rd February 2023. I have one daughter aged 9 years. I am calling every week to get in touch with my daughter. The wife family not responding to the phones and my wife also. Request your sincere advice for permanent solution. Thanks & Regards, Deepak Shetty
Ans: I'm sorry to hear about the difficulties you're facing in your marriage and with your wife's family. It sounds like a challenging situation, but I'll try my best to offer some general advice.

Seek professional help: Considering the complexities of your situation, it might be helpful to seek professional guidance. Marriage counselors or therapists can provide a neutral space for both you and your wife to express your concerns and work towards finding a resolution.

Legal advice: If your attempts at communication and reconciliation have not been successful, it may be advisable to consult with a lawyer to understand your legal rights and options. They can guide you through the process and help you navigate any legal implications, especially regarding your relationship with your daughter.

Open communication: While it may be challenging, try to maintain open lines of communication with your wife. Clearly express your desire to work on the relationship and be involved in your daughter's life. Choose a calm and respectful approach when communicating, even if the response is not favorable.

Mediation: Consider involving a mediator to facilitate communication between you and your wife. A neutral third party can help create a constructive environment for dialogue and negotiation, increasing the chances of finding a mutually acceptable solution.

Patience and understanding: Dealing with relationship issues takes time and effort. It's important to remain patient, understanding, and willing to work towards a resolution. Focus on the best interests of your daughter and strive for an amicable co-parenting relationship, even if the marital relationship cannot be mended.

Focus on personal well-being: Take care of yourself physically, mentally, and emotionally during this challenging time. Seek support from friends, family, or support groups. Engage in activities that bring you joy and help you maintain a positive outlook.

Remember that every situation is unique, and the advice provided here may not fully address your specific circumstances. It's crucial to consult professionals who can provide personalized guidance based on a deeper understanding of your situation.

..Read more

Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 05, 2023

Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 31, 2023

Asked by Anonymous - Oct 29, 2023Hindi
Relationship
Hi Ma'am, I am 36 years old and got married in the year 2014. I wanted to be in a joint family but my wife does not like it from the starting days itself. My parents used to stay with me periodically but not continuously. We have 2 boy children now. During my 1st boy child naming ceremony, my wife's family created issues and threatened me and my mother with bad words and forced for a separate family which i never agreed. After that issue, my wife never returned to my matrimonial home. After lot of efforts from my relatives, we joined back again. But the personal vengeance of my wife on my parents still continued. She used to misbehave with them some times like not listening to my mother's words and she never used to help my mother on all the house hold activities. My mother used to take care of all the household works. In the mean time we are blessed with 2nd boy. She stayed in my house during her second pregnancy, her preganancy well assisted by my mother and me both financially and emotionally. But i used to tell my wife to do very small houshold activities to make her physically well fit for her normal delivery but she took that suggession in a wring way and considered it as a torcher. During her ninth month of her pregnancy she went to her parents house to write a competitive exam but never returned back instead she continued to stay there and returning back to my home. So it has been more than two years now that she left me. During this time, i visited for her birthday, her father died, me and my parents visited his funeral, i visited my sons birthday. So i almost did all my efforts to bring back her to my home but she refused all my chances. So I filed a divorce case since i dont have any hope in my marriage life anymore. But i wanted to live with her since we have two children. Any suggestions/advices please.
Ans: I understand the complex and challenging situation you're facing in your marriage. It's clear that there have been significant conflicts and misunderstandings between you and your wife, and you've made attempts to resolve them. Here are some thoughts and advice from a counseling perspective:

Open Communication: Effective and empathetic communication is crucial. Encourage both you and your wife to express your feelings and concerns in a safe and non-confrontational manner. A counselor can help facilitate these discussions and ensure that both parties have a chance to be heard.
Professional Counseling: Seeking the help of a qualified marriage counselor or therapist is highly recommended. A counselor can provide a neutral perspective, offer strategies for conflict resolution, and help you both explore the underlying issues in your relationship.
Child-Centered Approach: As you have children, it's vital to prioritize their well-being. Regardless of the outcome, work together on a co-parenting plan that focuses on their emotional and psychological needs. A counselor can assist in creating a plan that ensures your children's stability and happiness.
Understanding and Empathy: Try to understand each other's perspectives, feelings, and needs. There seems to be a lack of understanding between you and your wife, and it's important to build empathy and find common ground.
Legal Matters: Consult with a family lawyer to fully understand your rights, responsibilities, and potential outcomes regarding divorce, child custody, and financial matters. It's crucial to be well-informed about the legal implications of your decisions.
Reconciliation Efforts: If both you and your wife are open to the possibility of reconciliation, be prepared for a long and challenging process. It will require time, patience, and a willingness to address the root causes of your issues.
Understanding: Try to understand your wife's perspective and feelings, and encourage her to understand yours. Misunderstandings can often lead to conflicts, and gaining insight into each other's point of view can be a first step toward resolution.
Co-parenting: Regardless of the outcome of your marriage, your focus should be on the well-being of your children. It's essential to develop a co-parenting plan that prioritizes their needs and stability. Self-Care: Take care of your own well-being. Navigating these difficult circumstances can be emotionally and mentally taxing, so ensure you maintain your own emotional and mental health.
Reflect on Your Expectations: Take time to reflect on your expectations regarding family arrangements and what you're willing to compromise on. It may be necessary to find a middle ground between your desire for a joint family and your wife's preference for a separate one.

Remember that the decision to reconcile or proceed with the divorce should be made with the well-being of both you and your wife, as well as your children, in mind. Professional counseling and mediation can provide the support and tools you need to navigate this challenging situation. Whether the ultimate goal is reconciliation or an amicable separation, the involvement of a qualified therapist can be instrumental in moving forward in a healthy and constructive way.

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Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2023

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Relationship
Hello Madam, thanks for your previous reply, as an update about the situation it has gone bitter today, where she has left me , taking away my daughter as well. This is after we had a fight on small little things where due to work related stress I tried to speak to her about me needing her help to understand the situation and also the situations about her past cheating episode keeps coming back affecting me. Thus leading to constant arguments. Today she has left home , leaving me totally unpreppared and feeling hopeless about the situation in life. I am going through a lot of work pressure stress and now this has really made a situation which is getting diffficult for me to deal with. No amount of contact with her is working, I just do not know how can I resolve this matter so that I can enjoy a happy life with my wife adn daughter again. she also threatens for divorce. I miss both of them dearly. I would really appreciate if you could advice on how to sort the matter out and get some sanity back into this relationship. I fail to communicate my thoughts and feelings clearly with my wife I believe. I try my best to speak her but she never gets it. Please assist in this. Thanks
Ans: I am so very sorry to know your situation which is very challenging It's important to approach the situation with sensitivity and patience.Take some time to reflect on how you communicate with your wife. Are there ways you can improve your communication style? Focus on expressing your feelings and needs without placing blame as this is very sensitive time.Communication is a two-way street. Make sure you actively listen to your wife's concerns and feelings. Understanding her perspective is crucial in finding common ground and working towards resolution. Given the mention of divorce threats, it may be wise to seek legal advice to understand your rights and options. However, keep in mind that legal proceedings can further strain relationships, so it's best approached with caution. Remember that resolving complex relationship issues takes time and effort from both parties involved. Professional assistance can be instrumental in navigating these challenges. If your wife remains unresponsive, it might be worthwhile to focus on your own well-being and personal growth while keeping the lines of communication open for potential reconciliation.

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Career
Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Pradeep

Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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Career
I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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Money
I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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