Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 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 10, 2024Hindi
Relationship

Dear Anu, Long story please read About the this incident : I am in really a bad situation from last 7 days, My father-in law took, my wife and my children away because, I asked about her attractive behavior (Sexual tentative not sure) , she has shown towards our neighbor. I already directly warned her about his wrong starring twice, year before when we went for 4 families trip. (I have proof from her google account to show she has done wrong searches about him like searching for nickname of boyfriend with his designation etc ...) She is running her own business which is started by her on my encouragement and running ok from 7 years. Suddenly for some work, I called her she is missing from her office for 2.5 hours and no one knows where she went, After 2.5 hours I got a call and when I asked, she said Its a surprise and will tell later. Next day too she said It is secret and will tell later, third day too she said she went out for roaming.(my surprise was, in hot summer day on byke roaming at 10.15 am to 12.15 am ... na naa something is wrong). I started tracking her email by taking her password and notification accepted by her on her mobile. Then I realized the web activity(she was not aware of these things will get stored in google till then), as I said above like gift for boy friend and romantic nick name for someone special who is having xxx designation etc ... always smiling person. Attraction synonyms ... casual sex and serious relationship difference a video etc... All these are only from starting of 3rd March 2024. My Heart was broken, as I am staying in different city and already have plans to go home in few days, I somehow manged 2 days and went home. Next, I was all-over her with big fight. I was blaming her for everything even not feeding kids on time, as I was saying she gets time to spend on chatting or searching etc... I was literally went to nuts, as I warned about him to be careful 2 years ago couple of tiimes. She said she is innocent, she didn't searched all the above I have shown her photos taken from my mobile with her track. she asked how did you know I searched for her, Because of using his designation in search. Finally she agreed she meet him for 15 mints on some professional work, on 16th march and went out after that for another place. But google timelines shows she was at home for entire 2.2 hours. why should she lie for remaining 1.5 hrs if there is nothing wrong happened. why should she say 15 mints only, when she meet him for a profession reason for 2 hours. I am literally not satisfied with her answers. Next day morning my mom returned home, (she don't know anything) from a function in other city which she went 10 days ago. (All these episodes happened next day my mom left home according to search history). Suddenly wife in early hours kept suicide note and left home. I was just sleeping in next room, my mom saw the note and woke me up. Finally we found her on our terrace staircase sleeping there as she takes medication for sleep, she has zero negative artistes. I booked ticket for her dad immediately and asked him to come same day, shown him and explained him all this. That day he is calm and asked what you want to do. I was thinking positive that he tells her not to repeat and stay for a week and go home. He said he wanted his wife to talk to her(my mother-inlaw), I said book ticket for her but unfortunately tickets were not available, seems he is also not interested to book ticket. After next day I intentionally went out by taking my daughter for 3 hours informing, I am going out for 3 hours to him. I thought he will speak to her privately to help her understand. But not sure nothing happened my mother said, he was sitting in living room whole 3 hours and she is in bedroom. Next day she said she is not going for office as I am doubting her behavior.(My in-laws never wanted her to work from start marriage) . But before marriage it self I informed them I am looking for a working wife. As they didn't let her attend job interviews, I am forced to invest in business, my hard earned one year salary with loan and made her owner there. I thought she would be also be happy as owner. She is happily running this for 7 years (of-course no profits and I never insisted too much on profits too as I already closed the loan in 4 years from my salary). Past Episode 1 : 1) when we got arranged married, I was in love with a girl and also deep relationship staying with her for few years too. I just gave her a hint as I took her for my GF marriage reception. (Even I loved her my GF with full heart, due to known reason for both of us, I informed her, I will not marry her before, I stay with her). Once she found a letter from my GF and wrote an email to her husband about out Love afair, I am not sure he took that seriously. 2) My wife also have some love story but, I never asked about that as he didn't want to revel that any time.(its ok before marriage something happen in life), I have an idea about that within short span of marriage, as she was sending messages after 11.30 pm etc. After observing couple of months, warned her twice not do so. one day I was anger and left to office, as I saw her texting again previous night. Evening when, I returned home, she was crying like a baby sitting in living room saying as she had swallowed 10 tablets given to her some reason to attempt suicide. I was shocked and rushed her to hospital and fortunately able to save her. Never discussed about that anytime after that. Episode 2: After around 8 years of smooth life and 2 children, after starting the business one night, I was watching movie in living room and went to bedroom, wife suddenly got surprised and hiding her mobile. I asked her why are you hiding and give me the mobile she didn't, I tried to get the reach of mobile and she didn't let that happen as she hold it strong, I left and came back to other room to sleep. But next morning, she was showing anger on me and vice-versa, I had a quarrel and called up her dad after 3 to 4 days, That time he asked what is the proof she is chatting with someone in night, I don't as I didn't snatched her mobile forcefully. He said she won't do anything like that and asked to be peaceful, after few days thing became normal, as I also don't have proof, I thought it might be mistake my side too. Episode 3 : She started going to a super market everyday at particular time every day. Even though she comes though same road just 1 hour before, she wont stop and get items form there, she used to go after getting ready every day for 15 to 20 days, I observed pattern. Generally she goes with my kids skating to classes in our gated community only and used leave from there. I used to go and meet some friends near that skating classes after a while, but some times she used to be not there, I Observed the pattern she was missing continuously from 15 to 20 days after dropping kids there, I followed by my car and searched didn't found her in the regular place where she tells, after 15 to 20 mints, I was standing there she came to the place, when I asked her she said she went for Vegetables shop near by and shown place and a couple veg's she bought. I was working in reputed software org and earning well. I always think about my wife and children even, I am away from home. For example I go to airport, I buy chocolates for my children, I check, If I can get my wife a good watch deal or buy a bag as she like watches but wont try to spend 200 for a coffee in airport. I go to GOA with friends buy clothes from there, by reducing the bottles, I always show lot of love towards, children and wife as I was working from home past 4 years. Love doesn't mean, I tell her I love you or something, but I always felt pain if she is not well or I never said no, If she asked me take for shopping or somewhere etc. we are always going to movies Of-course its on my interest. never restricted anything for her to spend. Point to note she always spends carefully too. I only encourage her to spend more for to buy anything she wants. This is our present. Taken them to holidays now and then etc ... with all above episodes she says I am doubting her, Am I really? or she is creating the situations? 1) Even after warning not send messages after 11.00 pm in night or asked whom she sent no answer. 2) Episode 2 hiding mobile and giving mobile to me 3) Episode 3 even though she comes in same path every day for a specific time staying in same place 4) Episode 4 Even after warning her about bad starring going for professional her with out discussing and deleting call history of him ( 11 sort calls of 40 to 60 seconds and 2 calls on 4 mints each, in a span of 20 days) and mid night searches etc... am I bad guy? or am I trying to saving my wife from this evil intentions we know in society? What if I would have left her for the them, will my family relation will stay, what would it shows her as? will I become a responsible husband? Now she is trying for a job in her city with parents encouragement and trying to get admission for my daughter in Garde 1, even she has completed Garde 2 this year. Not sure about my son yet. She is spoiling daughter studies. My cute children are not with me now, I came back to my office and staying in PG from yesterday. Not able to concentrate on work or other things, literally crying at times in wash rooms.(even at airport when I saw children of my age went to washroom and cried a lot). what should I do go and beg her for getting angry on her? tell her with whom ever you chat and go I wont bother come home? or leave her and children for their fate? what the use for earning this salary when I cant spend time with my children? everyone says wait for her realize her mistake, If she gets job and takes admission in school will she even consider coming back to me? her mother always controls her father, same her sister in-law with her brother(love marriage). Now my mother and couple of friends(close) say, if I go she will treat you like a slave she will come and do same thing again you cant even ask her. After going home they tried to destroy the evidence I have by formatting mobile by logging into google account and erase device. That is a business mobile she didn't even bothered about customer base of 7 years contacts. Fortunately I could recover contacts. I could also get to know her personal email id that's how I cam to know about her job search and admission search of children. what should I do now? Please advice immediately.

Ans: Dear Anonymous,
My suggestion to couples who are at constant loggerheads and on the verge of a marriage breakdown:
- What can you do to put your marriage back together?
- Can you trust one another yet again?
- Are you both willing to set aside your differences and work towards your marriage?

You have given a detailed account of what has happened and one thing seems clear is that there is NO trust left within your marriage. This itself will prevent you from getting back together. Agreed that you have reasons and proof to doubt her, but if you both want the marriage to work, you will have to start fresh.
Also, the fact that she is searching for a job and also admission for the children suggests that she is looking at moving on without you. So, instead of making assumptions on what is happening and hoping for something to happen, it's time to request for a one-on-one chat with your wife. She may decline, but no harm in trying. The chat can bring forth what she has in mind and if she also wants to be in the marriage or move on. Knowing, asking, understanding can help and guide you on the next steps.

No point going around in circles playing this Hide and Seek game as a couple. Sit down, talk it out and take firm decisions. Your marriage will need a lot of trust and love to be rebuilt; are you willing to go through this journey?

All the best!
Asked on - Apr 19, 2024 | Answered on Apr 19, 2024
Listen
Hi Anu, I went ahead and spoke to my wife at their home for 2 hours personally and also took her out for lunch next day. Can you suggest me a good relationship Expert and Mind coach in Hyderabad? I insist only physical consultation this month last week and also next month first week, should be able to spend good time on our case, Not to be in hurry, to go to next case. (I think that would be good enough), I know it may take some sessions to bring it to a fruitful result. Please advice...
Ans: Dear Anonymous,
It is great to see you being so proactive on this situation that you are in.
On my part, it will not be professionally ethical to put down the name of an expert on a public platform without their consent. In that case, you can browse the internet for centers for marriage therapy/relationship coaching in Hyderabad. Check on their credentials before signing up with any expert. Request for a call where you can evaluate they are the right person for your situation. Once you do that, put your weight behind it and make sure that you are guided to sort your entire situation and reach a firm resolution.

All the best!

You may like to see similar questions and answers below

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Apr 07, 2022

Listen
Relationship
Dear LG, Please don't disclose my name. I don't want to share my personal problems with others. I am 45 years old, married 13 years ago; my wife's age is now 38 years. I got two kids. My wife is pretty (she takes lot of care for her beauty) and I want to live simple. I kept faith on my wife so I didn't interfere in her life. From last four years, I am staying away from family (because of work I have shifted to other city, monthly once I go back , purchase everything, give money for expense and return to job). She keeps her mobile with security. Once, by mistake, I read her WhatsApp message. One of her office client was praising her pics and she was responding to him. So I told her, be official, don't entertain, if they fall behind you and we may face problem. She agreed but is doing the same thing and deleting his messages. Then I wanted to see what all things she does in WhatsApp. So her link I shared in my mobile and started reading her messages. She use to chat with one married person from last three years, she changed his name in her mobile and kept his wife's name. Three years back he proposed her with love song. My wife used to support him, sometimes she used to delete the messages. He knows all my family history. Whenever they get time, they used to talk each other in phone. Some messages I read, they were planning to meet also. She always come home very late, I didn't question her because I kept faith, but as I told you I have two kids in home. If she comes late, they are facing a problem (they stay alone until she comes back). Simultaneously she is chatting with another married friend. She says he is like a brother in front of me, but that person says baby, darling, dear, love, etc, in his conversation and forwarded some love songs and calling her for long drive. My wife replied some other day we will go. He replies, You always says same thing. I will become old one day. Then I was surprised and guided my wife indirectly. I told, don't entertain any person they may start to trouble you or if anybody troubling you please tell I will help you. We got two kids so we got lot of responsibility. She got a clue that I am reading her messages, so immediately she deleted all messages and after some days she deleted their numbers, along with that she deleted some other numbers also!  Why, I don't know. Once I told my son, beware, I can track you and tell where are you going and what are you doing. But from that day onwards, my wife is blocking her internet at 6 pm (when her office closes) and unblocking when she returns home. I am worried regarding this behaviour. I have stopped reading her messages now. But now I am feeling very uncomfortable because her behaviour is very soft with me, (previously she was very aggressive, she used to fight with me unnecessarily.) Please guide me how to handle the situation. What can I do now? Sometimes I feel I should leave everything go somewhere or is it a punishment for marrying a pretty girl? What to do? Please guide how handle the situation. Regards.
Ans:

So, in a nutshell, you think your wife was flirting behind your back, you dropped some hints and then she has either stopped, or then stopped you from spying on her phone.

First of all, why are you dropping hints to her instead of talking straight? Which husband is going to appreciate his wife being wooed by other men with all this darling-baby love talk?

Even if she’s not having an affair, the flirty behaviour is bound to make you uncomfortable. Don’t you think you should call her out on it instead of pretending like some other man is making her uncomfortable?

Clearly, she’s enjoying the attention!

You seem very timid and intimidated by your wife. And if her behaviour has changed toward you for the better because you suspect she is guilty of something, all the more reason to get to the bottom of it!

Stop playing games and pussyfooting around her. Do some straight-talking for a change instead of going behind her back and reading messages!

And FYI, being good-looking doesn’t give any spouse licence to make their partner insecure!

 

..Read more

Kanchan

Kanchan Rai  |646 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 26, 2023

Listen
Relationship
Dear Mam, I am a 46 year old married man for last 15 years. My wife is 39 year old ... We had an arranged marriage. The marriage all along appeared very happy, so to me. We had a very happy married life.. Our elder child is 13 years. ..... We have another who is 6 year .. ..... Around 8 years back my wife was regularly chatting with her old friend and he was openly flirting... I asked my wife to be careful and stop it.. Which she promised..... ... But she never did, she used to delete the chats and occasionally drop his name... I thought she is a wife, a mother and trusted her.... Last year i came to know that she was meeting him too.. I confronted her... and she gave excuses that it was just few... And she only sat in his Car and took some rides, never got down, never went with him anywhere... Never went to any place, apartment or hotel.. and she insisted it was just few and very recent. ... I checked and found she has met him earlier too.. I checked and found she had paused her google timeline off and on.. She had his contact as hidden in Hangouts, and had exchanged some photographs of hers with my Son to him.. She used to gift him on his birthday........ She was regularly chatting and delteting the messages on all forums with him... On again confronting, she admitted that this all started in 2016...and these are the only visits... She claiming she was afraid so didnt tell all initially.. She says she has met him, but never comitted Adultery... She saying she is remorseful, did a very big blunder and trying all hard to win back my trust... But its very hard to believe and trust...the reason 1) She did not disclose everything to me on first time of confronting...she disclosed only recent visits 2) On being asked to cut off all contacts..she told me she has asked her friend not to contact her thru any mode, but she did not delete him/block him from WhatsApp, Facebook, Truecaller, Mobile contact list..this i had to do. 3) Third she admitted she liked Going out wit him.......4) She so silently used to chat with him even when i was around all these years that i did not suspect....We both are working.. ..please Suggest ..... Hope my identity will not be Disclosed
Ans: Discovering that your wife is talking and meeting with a friend and hiding it from you can be a challenging and stressful situation. If you feel that the friend is flirting with your wife, it can further complicate things and cause feelings of jealousy, insecurity, and mistrust. However, it is essential to approach the situation calmly and objectively and take steps to address the issue.

The first thing to do is to communicate openly and honestly with your wife. Express your concerns and feelings and ask her to explain her relationship with the friend. Listen carefully to her side of the story and try to understand her perspective. It may be that there is a reasonable explanation for their interactions, such as a long-standing friendship or a professional relationship.

However, if you still feel uncomfortable with their interactions and suspect that there may be something more going on, it is essential to address the issue directly. Let your wife know how their interactions make you feel and explain why you feel uncomfortable with their friendship. It is essential to avoid accusing your wife of anything and instead focus on your own feelings and concerns.

It is also important to consider your own behavior in the relationship. Are you feeling jealous or insecure due to your own issues, or is there a valid reason for your concerns? Take some time to reflect on your own feelings and assess the situation objectively.

If you feel that the friend is indeed flirting with your wife, it may be necessary to set some boundaries. Let your wife know what behavior is unacceptable and make it clear that you expect her to respect your feelings and the boundaries you have set.

In some cases, seeking the help of a professional counselor or therapist may be beneficial. A therapist can help you both work through your feelings and emotions and develop a plan to move forward in a healthy and positive way.

It is essential to approach the situation with patience, understanding, and open communication to ensure that you can navigate this difficult time and move forward in a positive direction.

..Read more

Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2024

Listen
Relationship
Hi Anu Kindly refer to my earlier question and your answer. In july 2023, she came to my office and literally touched my feet and apologized to me for her wrongdoings, like talking to my wife and further character assassination. She told me that all people are lying to me. I forgave to her and thought that she is possessive and in her possessiveness, she took that step. From july 2023 till June, 2024, she continued to put various allegations on me that I have a affair with my office staff etc. I blocked her so many times in past one year, but she used to come to me through various persons. I told her many times that if she has any proof of my affair, show to me and i would explain to you. But she used to say sorry and reunite. In june, 2024, she again levelled allegation on me that I am having affair with my friends wife and again, she informed this to my wife that I am having affair with various women and she used to give me money and gave various household items to me. She also informed my wife about our personal things to my wife. In short, she tried to ruin my respect, my family. In wife became quite depressive on hearing these things. I totally blocked her from my phone and she is continuing to call my friends and assassinating my character. My friends know me quite well. When my wife tried to backfire on her, like contacting her relative on facebook, inquiring about her whereabouts, she suddenly took a U turn and said to my friend that I should stop my wife, else she would be thrown out of her house (she is a widow). I would never forgive her nor would return to her. I invested around 7 lakhs on building a house on collaboration with her and in her distress time, i used to take care of her and her house, like providing ration to her, giving her money to run household chores, paying her electricity bill etc. But i came to conclusion that she was just using me. If she would have really loved me, she couldt try to destroy me reputation and my family. But even after this, I never contacted her and tried to ruin her.
Ans: Dear Harish,
When you asked for help in your first question, it only meant you wanted to get out of this sticky situation. Now, I am happy that you were able to realize that she was using you. Hope you have decided to keep her at a distance from you and the family. When you started to dream of a parallel life with her and spend money to construct a home etc, you were again running away from your marriage and trying you luck elsewhere. Do try and give your marriage a fair chance and now that your wife knows most of it, do start on a clean state if that's what she wishes to as well. Thank you for sharing...

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

Ravi

Ravi Mittal  |677 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 07, 2025

Asked by Anonymous - Oct 06, 2025Hindi
Relationship
Dear Sir/Madam, I am 45YO working in GCC and She is 45YO working in India govt banking sector. We met through matrimonial site in 2009. We liked each other and decided to get marry. But due to some arrogent way of talking of her and her mother with my mother, which I didn't like at all. So before gettting finalising and engagement, I decided to go away from her without hurting and it took 5 month in Feb 2010. Actually I AM AGAINST HURTING ANYBODY'D'S HEART. So I made a situaton like that she rejected me. While meeting we both decided, even though, if we are not getting married with other we will be as friends in future. So I got married in 2011 and She got married in 2012. After our marriage we got busy in our married life and we were not able to contact with other for several years. But in second half of 2019 we again came into to contact over phone WA. Once she demanded make-up box and some chocolates from GCC, so I provided through courier. Then her demand increased with mobile recharge, Sani-pads, U/garment, gifts through Amezon, Flipkaut, Zamato, Swiggu etc etc.. One day she told she want to marry me, because there were physical quarrel with the husband and MIL, So she want to get divorse due to dosmetic violence between them. I avoided this topic as I am happy with my married life. Then 1 day she had some gmeil problem she was not receving email so she shared password. So I cleared all the promotions and unuseful stuff from her gmeil account. But I was shocked when I saw that she had saved all communication of having extramarital affair chats of WA with her office 2 different colleagues and, 1 Garage mechanic and College friend all were vulgar chats and different-different years. Especially all vulgar words and arrangement and planning made by her to meet in different room location. There I came to know why her husband is so physical quarrel with her. She had mentioned about husband activity of beating to her. And so both of them want to get divorse. But this all thing I kept it confidential with me from her. Let she admit some day. But I am still waiting. Now after 2021 all this has stopped because I convinced her and made her feel what she was doing after meeting her. She admitted her mistake and she promised that she will not go in wrong path. She also said it happened unknowingly she went with the flow. But She pleaded me and wants my Love and want to marry me privately and for her happiness, she in under divorce process. She proposed me for marriage in 2021 till now I have avoided with some excuses. Coming to the main topic, since 2021 to 2025, whenever I visit India, we meet each other, as I too have soft-corner for her and Love her as we were first Love of each other in 2009. Everytime when I inform her that I am coming to India, her dreams flies in sky and tells me come soon, I want to marry with You. And every time she ask something or the other gift as mentioned above. How should I get rid of this burden of over-expenses. Due to this it is difficult to manage my monthly expenses, means "The snake has to be killed and the stick should remain intact". Everytime I tells her this month not possible next month for sure, but again after 2-3 days she comes with new demand. And I am sure, if I broke this relationship she will again go to wrong path as she is getting divorce. Pls give some tips how to reply her to stop these expenses from me.
Ans: Dear Anonymous,
I just want to tell you one thing: since you are married happily, it would be best if you limit your interactions with this woman. She is consistently showing interest in marrying you, asking for an inappropriate amount of gifts and has demands from you like one has from their partner. Everything seems a little off. And also, it is not your responsibility to keep her from going in the wrong direction. She is a grown adult and should be able to handle it herself. The best decision is to distance yourself from her. If you can’t, you might want to still set some boundaries like telling her that you cannot continue speaking to her if she keeps telling you that she wants to marry you. I am sure your wife also doesn’t appreciate it. Let her know that you are in a happy marriage and you are not comfortable with her behavior. Also, you have every right to say no to all her demands. I understand that you two have a friendship, but there should be boundaries even in that.

Hope this helps

..Read more

Latest Questions
Dr Dipankar

Dr Dipankar Dutta  |1839 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...Read more

Kanchan

Kanchan Rai  |646 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2025

Asked by Anonymous - Dec 07, 2025Hindi
Relationship
Dear Madam, I was a bright student during my school days and my plan was to become a civil servant but that did not succeed even after several attempts. With the advise of my brother i went ahead and pursued Masters at a normal university in Sydney. I did internship and continued staying with my job though it wasn't my field of study. After that what came as a shock was my brother's divorce. We don't know what is the actual issue till date but I tried a lot to fix the gap by talking to his ex-wife but they were very orthodox. I couldn't see my brother suffer because he had planned and arranged so much for her. I had no choice then so i try to harm his ex-wife by spoiling her reputation thinking she will come back for him. In the mean time i got married to a girl who was her relative too thinking my wife can help us in some case but she turned out to be completely in the opposite direction. She was probably convinced by my brother's ex-wife or their relatives that she is not coming back. Even then my brother tried to go meet his ex-wife through many channels. My wife did not help him at all in any aspect. Finally the divorced happened and everything ended. Now we have sought several proposals but nothing seem to be a good fit for him. Most of the girls whom we met on matrimonial sites are fake profiles with something hidden or falsely represented. I would say my brother escaped all this. But we are worried about his life now as he is already in his 40's and he seem to be struggling for a good job and finance. He is very picky probably but doesn't talk much to all of us. Sometimes he even says the game is over so no point looking at a second marriage. My wife and he fought once when he visited us because she didn't want him in our house and she created a fight putting me in the front. After that he stopped coming to our house or see us or talk to us. Things even gets worse sometimes when her brother comes and visits us and stays at our house which my parents don't like. My parents argue that your brother was not allowed to stay for few months then how come her brother is allowed for several months. What kind of partiality is that? I feel i could not do anything for him despite the fact that he is my only brother. He is good at heart and looked after me when i went abroad financially and even came to meet me few times. I tried to send him money, gifts but he is still the same. He communicates with our parents but not with me nor my wife anymore. Kindly give us a good advise.
Ans: Your brother’s distance is not a rejection of you. It is his way of protecting himself. He went through a difficult marriage, an emotional collapse, and then watched people around him — including you — react out of desperation to fix things for him. Even though your intentions came from love, he may have associated those actions with more pain and pressure. When a person has been wounded, silence feels safer than conversation. His withdrawal simply means he is tired, not that he dislikes you.
You also need to understand that the guilt you are carrying is heavier than it needs to be. You tried to intervene in his marriage because you wanted to protect him, not because you wanted to cause harm. Looking back now, with more maturity and clarity, you see the mistakes, but at that time, you were acting out of fear and love. This is why it’s important to forgive yourself instead of punishing yourself over and over.
The conflict between your wife and your brother only added another layer of stress, because it forced you into choosing sides. Your wife reacted emotionally, your brother pulled away, your parents questioned the imbalance — and in the middle of all this, you lost your sense of peace. But their disagreements are not failures on your part. They are the natural result of people operating from insecurity, fear, and past hurt.
What needs to happen now is a shift in your role. You cannot continue trying to solve everything for everyone. You cannot carry your brother’s marriage, your wife’s fears, and your parents’ judgments all at once. It’s time to step out of the role of rescuer and step into the role of a grounded, calm brother who offers presence, not solutions.
Rebuilding your bond with your brother will not come from pushing proposals, sending gifts, or trying to fix his life. It will come from offering him emotional safety. A simple message, expressing that you are sorry for any hurt, that you care for him, and that you are available whenever he feels ready, will speak louder than any effort to arrange his future. Once you send such a message, the healthiest thing you can do is give him space. Sometimes relationships repair themselves in silence, when pressure is removed.
And for yourself, healing begins when you stop believing that every problem in the family rests on your shoulders. You have given more than enough over the years. Now you deserve emotional rest. You deserve peace. You deserve to feel like a brother, not a crisis manager.
Your brother may take time, but distance does not erase love. When he feels safe, he will come closer again. Your responsibility is not to force that moment, but to make sure you are emotionally steady and ready when it happens.

...Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 12, 2025

Asked by Anonymous - Dec 11, 2025Hindi
Money
Dear sir This is regarding my mother's financials. She is 71 years old and she earns a pension of 31k p.m. She has FD's worth 60 lacs and earns interest income of Rs.25k. I wish to know if we can buy mutual funds worth 10 lacs by diverting funds from FD for better returns. She owns a house and does not have house rent commitment . She is currently investing 10k p.m in SIP . Now the lump sum investment of 5 lacs each is intended to be done in HDFC balanced advantage fund Direct Growth and ICICI Prudential balanced advantage fund . Please advise
Ans: You are caring about your mother’s future.
This shows deep responsibility.
Her financial base also looks strong today.
Her pension gives steady cash.
Her FD interest gives extra safety.
Her home is secure.
Her SIP shows healthy discipline.

» Her Present Financial Position
Your mother is 71.
Her age makes safety a key priority.
But some growth is also needed.

She gets Rs 31000 pension each month.
This covers most basic needs.
Her FD interest adds Rs 25000 per month.
So her total monthly inflow is near Rs 56000.
This is healthy at her age.

She owns her house.
She has no rent stress.
This gives great relief.

She has FD worth Rs 60 lakh.
This gives safe income.
She also runs a SIP of Rs 10000 per month.
This is a good step.
It keeps her connected to long-term growth.

Her total structure looks balanced.
She has safety.
She has income.
She has some growth exposure.
She has low liabilities.

This is a very stable base for her age.

» Understanding Her Risk Level
At age 71, risk must be low.
But risk cannot be zero.
Zero risk pushes money into FD only.
FD return stays low.
FD return sometimes falls after tax.
FD return often stays below inflation.

This reduces future buying power.
Inflation in India stays high.
Medical costs rise fast.
Home repair costs rise.
Daily needs rise.
So some growth is needed.

Balanced exposure gives stability.
Balanced allocation protects both sides.
She should not go too high on equity.
She should not avoid equity fully.
A middle path works best at this age.

Your idea of shifting Rs 10 lakh for growth is fine.
But the type of fund must be chosen well.
The plan must also follow her age.
Her risk must be respected.

» Impact of Growth Options at Her Age
Growth funds move with markets.
Markets move up and down.
These swings can disturb seniors.
But some controlled equity helps fight inflation.

Funds with mix of equity and debt help.
They adjust risk.
They protect capital better.
They manage volatility better.
They offer smoother experience.
They suit senior citizens more.

So a mild growth approach is healthy.
This gives better long-term value.
This gives inflation protection.
This reduces long-term stress.

Still, the fund choice must be careful.
And the plan style must be guided.

» Concerns With Direct Plans
You mentioned direct funds.
Direct funds seem cheap.
But cheap is not always better.

Direct funds give no guidance.
Direct funds give no review support.
Direct funds give no risk matching.
Direct funds need constant study.
Direct funds need skill.
Direct funds need time.

Many investors think direct plans save money.
But small savings can cause big losses.
Wrong choices reduce returns.
Wrong timing reduces gains.
Wrong exit increases tax.

Regular plans bring professional support through MFDs with CFP credentials.
They offer yearly reviews.
They track risk closely.
They guide corrections.
They support crisis moments.
They help in asset mix.
They help keep emotions stable.

This support is very helpful for seniors.
Your mother will not need to study markets.
She will not need to track cycles.
She will not need to worry about volatility.
She can stay calm.

So regular plans may suit her better.
The small extra fee is actually buying professional hand-holding.
This hand-holding protects wealth.
This reduces mistakes.
This brings long-term peace.

» Her Liquidity Need
At age 71, liquidity matters.
She must access money fast during emergencies.
Medical needs can arise.
Health cost can be sudden.
She must be ready.

FD gives quick access.
This is useful.
So FD should not be reduced too much.

Shifting Rs 10 lakh is acceptable.
But shifting more may reduce comfort.
She must always feel safe.
Her emotional comfort is important.

So Rs 10 lakh is the right level.
It keeps major FD corpus safe.
It keeps growth exposure controlled.

This balance supports her peace.

» Her Current SIP
She puts Rs 10000 per month in SIP.
This is positive.
This brings slow steady growth.
This builds long-term value.

She should continue this SIP.
She may reduce it later based on comfort.
But she should not stop it now.
This SIP adds inflation protection.
This SIP builds a small buffer.

A continuous SIP helps smooth markets.
It builds confidence.

» Income Stability for Her
Her pension covers needs.
Her FD interest adds comfort.
Her SIP invests for future needs.
Her home saves rent.

So she has stable income.
Her life standard is maintained.
Her risk level can stay low.

Her monthly cash flow is positive.
Her needs are covered.
So she need not worry about returns too much.
But a little growth is still healthy.

» Should She Shift Rs 10 Lakh From FD?
Yes, she can shift Rs 10 lakh.
This does not hurt her safety.
This does not shake her cash flow.
This supports inflation protection.

But the fund must be right.
The plan must match her age.
The risk must stay low.
The allocation must stay controlled.

A balanced strategy is better.
Smooth returns suit seniors.
Moderate risk suits her age.

Still, the fund must be in regular plan.
Direct plan may cause long-term risk.
Direct plans place the heavy load on the investor.
At her age, this stress is avoidable.
Regular plans give smoother support.

» Why Not Use the Specific Schemes Mentioned
The schemes you named are direct plans.
Direct plans give no support.
Direct plans leave all decisions to you.
Direct plans leave all risk checks on you.

Also, each fund has its own style.
Each adjusts differently.
You must check suitability.
You must review them yearly.
This needs time and skill.

For her age, this is not ideal.
A simple, guided, regular plan works better.

Also, some funds change risk levels fast.
Some increase equity without warning.
Some change style in market shifts.
This can disturb seniors.
She must stay with stable funds.
She must stay with guided models.

This protects her long-term peace.

» The Role of Actively Managed Funds
Actively managed funds suit Indian markets.
India grows fast.
Sectors rise and fall fast.
Many companies grow fast.
Many also fall fast.

Active managers study these shifts.
They adjust quicker.
They avoid weak sectors.
They add strong businesses.
They protect downside.
They enhance upside.

Index funds cannot do this.
Index funds copy indices.
Indices carry weak companies also.
Indices carry overpriced stocks.
Indices do not avoid bad phases.
Indices cannot change weight fast.
So index funds give no defensive shield.

Actively managed funds work harder.
They try to reduce shocks.
They try to smooth volatility.
This suits seniors more.

So an active regular plan through an MFD with CFP credentials is better for her.

» Tax Angle on Mutual Fund Redemption
Capital gain rules matter.
For equity funds, long-term gains above Rs 1.25 lakh have 12.5% tax.
Short-term gains have 20% tax.
Debt fund gains follow your tax slab.

Senior investors must plan exits well.
They must avoid excess tax shock.
They must stagger withdrawals.
They must redeem only when needed.

A guided regular plan helps avoid tax mistakes.
Direct funds offer no such guidance.

» Her Emergency Preparedness
At her age, emergency readiness is key.
She must have quick cash.
She must have easy access.
Her FD base helps this.

She has Rs 60 lakh in FD.
This is strong.
She should keep most of this.
Maybe an emergency bucket of Rs 5 to 10 lakh must stay fully liquid.

This brings peace.
This prevents panic.
This avoids forced redemption.

» Family Support System
You are involved.
This protects her retirement.
You can offer emotional help.
You can offer decision help.
This support makes her financial life safe.

Family support keeps stress low for seniors.
She will feel secure.
She will stay calm during market changes.

» How Her Future Years Can Stay Stable
She needs comfort.
She needs safety.
She needs liquidity.
She needs some growth.
She needs health cover.
She needs emotional peace.

A control-based plan helps:
– Keep most money in FD
– Keep some in balanced mutual funds
– Keep SIP running
– Keep money easily accessible
– Keep risk low
– Keep asset mix simple
– Keep tax impact low
– Keep reviews yearly

This keeps her retirement smooth.

» Built-In Protection for Senior Life
Her plan must also protect future risk.
Medical cost may rise.
Home repairs may occur.
Occasional family support may be needed.

So she must:
– Keep cash bucket
– Keep healthy insurance
– Keep documents updated
– Keep financial papers organised
– Keep digital and physical files safe

This brings long-term safety.

» Withdrawal Strategy
She may not need withdrawals now.
Her income covers expenses.
But she may need money in later years.

She should follow a layered method:

Short-term needs from FD

Medium needs from balanced funds

Long-term needs from SIP corpus

Emergency money from liquid FD

This spreads risk.
This avoids sudden losses.
This protects her capital.

» Assessing the Rs 10 Lakh Transfer
This transfer is fine.
But it must not go to direct plans.
It must go to regular plans.
Guided plans reduce mistakes.
Guided plans suit seniors.

Split into two funds is fine.
But avoid too much complexity.
Simple structure reduces stress.
Easy structure improves clarity.

So two regular plans through an MFD with CFP credentials is ideal.

» Final Insights
Your mother has a strong base.
Her pension is stable.
Her FD pool is healthy.
Her home reduces cost.
Her SIP adds growth.

Adding Rs 10 lakh into balanced mutual funds is a good idea.
But shift to regular plans with expert guidance.
Direct plans are not suitable for seniors.
They bring more risk.
They bring more complexity.
They bring more stress.

Regular plans bring reviews.
Regular plans match risk.
Regular plans reduce mistakes.
Regular plans suit her age.

Her future looks stable with this mix.
Her life can stay comfortable.
She can enjoy her senior years with peace.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 12, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Money
Hi, I am 53 years with a wife and two children. My total savings comprising of MF, Shares, PDF,EPF, NPS & FD are approx. 3Cr. Our current monthly outgoing including SIPs is approximately 100000. Will the above savings amount be sufficient to sustain for the next 20 years?
Ans: You have managed to build Rs 3 Cr by age 53.
This shows steady discipline.
Your savings mix also looks balanced.
Your family seems stable.
Your cost control also looks fair.
This gives a good base for the next stage of life.

» Your Current Position
Your savings stand near Rs 3 Cr.
Your monthly outflow is near Rs 100000.
This includes your SIP amount also.
Your family has four members.
You have two children.
Your wife is with you.
You have a mixed pool across MF, shares, PF, EPF, NPS, and FD.
This mix brings both growth and stability.
This gives you a good base.

Your age is 53.
You have around 7 to 12 working years left.
This period is crucial.
Your decisions now shape the next 20 years.
Your savings rate also matters.
Your cost control also shapes the future.

Today’s numbers show you have a good foundation.
But sustainability depends on many factors.
We must study inflation, spending pattern, growth pattern, tax, risk level, health cost, and cash flow flexibility.

» Understanding the Cash Flow Stress
Your family spends around Rs 100000 today.
This includes SIP.
After retirement, SIP will stop.
But living costs will continue.
Costs increase each year.
Inflation can eat cash fast.
So we must ensure growth in wealth.
Slow growth can stress the corpus.
Fast growth brings more shocks.
So balance is key.

Rs 3 Cr looks large today.
But 20 years is long.
Inflation reduces buying power.
Medical costs also rise.
Family needs also shift.

Your money can last 20 years.
But it needs correct planning.
Blind use of the corpus will not help.
Proper flow matters.
Proper asset selection also matters.
You need steady growth.
You need low shocks.
You need stable income.

» Role of Growth Assets
Many families fear growth assets.
But growth assets are needed today.
Inflation is strong in India.
If money stays in FD only, it suffers.
FD return stays low.
Post-tax return stays even lower.
FD return does not beat inflation.
FD cannot support long-term plans.

Mutual funds bring better growth.
Actively managed funds bring better research.
They allow expert judgement.
They can handle market swings better.
They study sectors and businesses.
They adjust the portfolio.
They aim for more consistent returns.
This helps protect wealth.

Some people choose direct plans.
But direct plans need full time study.
They need skill.
They need discipline.
Most investors do not have the time.
Wrong choices can reduce returns.
Direct plans give no guidance.
Direct plans can reduce long-term peace.

Regular plans through an MFD with CFP credential give better support.
They help with reviews.
They help with corrections.
They help with rebalancing.
They help manage behaviour.
They save time and stress.

You already have MF exposure.
This is good.
You should keep this path.
Active fund management will help long-term stability.

» Role of Safety Assets
You have EPF, PPF, NPS, FD.
These give safety.
They give peace.
But they give lower return.
Too much safety reduces future income.
A mix of both is needed.

Safety assets give steady income.
But they do not grow fast.
They cannot support 20 years alone.
So balance must be kept.

» Assessing the Sustainability for 20 Years
Rs 3 Cr can support 20 years.
But it depends on:

Your retirement age

Your spending pattern

Your ability to reduce costs

Your asset mix

Your growth rate

Your inflation level

Your health cost

Your emergency needs

If your core expenses stay in control, your corpus can last.
If you invest well, your corpus can support you.
If you avoid panic, your wealth will grow.
Your children may also get settled.
Your own needs may reduce.

The key is proper planning.
Without planning, the corpus can shrink fast.
With planning, it will last long.

» Inflation Impact
Inflation is silent.
It eats buying power.
Costs double every few years.
Food rises.
Health rises.
Daily life rises.
School fees rise.
Lifestyle rises.

If your money grows slower than inflation, you lose power.
So growth assets must be part of the plan.
They help beat inflation.
They help protect lifestyle.
They help support long-term needs.

This is why active mutual funds stay useful.
They bring research-driven decisions.
They help fight inflation better.
They stay flexible.
They move with the economy.

» Evaluating Your Retirement Readiness
You stand near retirement zone.
You still have some working life.
You still earn.
You still save.
Your income supports your SIP.
This is good.
This is the right stage to improve planning.

Your SIP amount builds future cash.
Your insurance must be proper.
Your emergency fund must be strong.
Your health cover must be strong.

You have PF and NPS.
These give safety.
They bring stability.
They give steady return.
But they do not give high return.
Growth will come from MF and equity.

Your retirement readiness depends on:

Cash flow plan

Growth plan

Insurance plan

Medical cover plan

Long-term income plan

Withdrawal plan

When all parts align, you will stay secure.

» Withdrawal Strategy for the Future
When you retire, cash flow must stay smooth.
You cannot depend on FD alone.
You cannot depend only on EPF.
You cannot depend on one asset class.
You need a mix.

Your withdrawal should come from:

Some from safety assets

Some from growth assets

Some from periodic rebalancing

This helps you avoid panic selling.
This helps you maintain stability.
This protects your lifestyle.

Tax must also be managed.
Tax on equity MF has new rules.
Long-term gain above Rs 1.25 lakh has 12.5% tax.
Short-term gain has 20% tax.
Debt MF gain follows your tax slab.
These rules shape your withdrawal plan.
You must plan redemptions wisely.

» Health and Family Factors
Health cost is rising in India.
Hospital bills rise fast.
Health shocks drain savings.
So good health cover is needed.
Family needs must be studied.

Your children may still need some support.
Their education or marriage may need funds.
These costs must be planned early.
You should not dip into retirement money.
Clear planning avoids stress.

Your wife also needs future support.
Joint planning is better.
Shared decisions help discipline.

» Need for a Structured Review
A structured review every year is needed.
Your income may change.
Your savings may rise.
Your spending may shift.
Your goals may change.
Your risk level may shift.
Your family needs may change.

Review helps you stay on track.
Review helps catch issues early.
Review helps you correct mistakes.
Review brings peace.

A Certified Financial Planner can guide reviews.
This support builds confidence.
This reduces stress.
This brings clarity.

» How to Strengthen Your Position
You already stand strong.
But you can still improve.
Here are some steps to make your 20 years safer.

Keep your growth-safety mix balanced

Increase your SIP when income allows

Avoid direct plans if guidance needed

Use regular plans for proper support

Avoid real estate due to low returns

Increase your emergency fund

Improve your health cover

Avoid ULIP and mixed plans if you ever have them

Review your EPF and NPS allocation

Track your spending carefully

Plan for yearly rebalancing

Keep enough liquidity for short needs

Keep boredom decisions away

Stay invested even in tough times

Trust long-term compounding

Each step adds stability.
Your family will feel safe.

» Building a Strong Future Income Flow
Income must not come from one basket.
Income should come from:

MF SWP

PF interest

FD ladder

NPS withdrawal in a slow way

Equity redemption in a planned way

This spreads risk.
This spreads tax.
This spreads stress.

Staggered withdrawal helps peace.
Your money grows even while you spend.
Your corpus stays healthy.

» Maintaining Low Stress in Retirement
Retirement should be peaceful.
Money stress should be low.
Good planning ensures this.

Keep clear communication with your family.
Keep your files organised.
Keep your goals updated.
Keep calm during market swings.

Your corpus can support you.
Your strategy will shape your peace.

» Final Insights
Your Rs 3 Cr corpus is a strong base.
Your age gives you time to improve more.
Your monthly spending is manageable.
Your asset mix supports your future.

But planning is needed.
Cash flow must be aligned with inflation.
Growth assets must stay active.
Safety assets must be balanced.
Withdrawal must be planned wisely.
Health cost must be covered.
Risk must be contained.

With proper planning, your wealth can support the next 20 years.
Your family can live with comfort.
Your lifestyle can stay stable.
Your future can stay safe.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x