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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
RJ Question by RJ on Jun 24, 2022Hindi
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Relationship

Hi Anu,
I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.
He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace.
He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different.
I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.
There is no progress in career because constantly we are under tensions.
My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind.
I don't know what happens to me. When he comes close to me I stop talking breaths.
We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.

Ans:

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    Ans:

    Dear MK,

    This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

    It's cyclical and traps you within in the loop.

    He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

    To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

    Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

    If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

    All the best!

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Oct 04, 2022

    Listen
    Relationship
    Hey Anu ji I hope you are doing well.I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then. We knew each other since a year and moved in together last October. I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission. My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough. He compares everything and has started talking to another specialist, a single woman. I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea. He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.Is it right that we are having sex 2-3 times per day from so many months? Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met. In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages. I have to call a third person to convey my message to at least pick up a call.Please help. I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months. I never get answers to my questions. He is like ‘I don't want to talk.’ He has become so egoistic and is behaving like a male chauvinist. I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety. I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side. He stopped making any efforts to reconcile or talk. I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me
    Ans:

    Dear NK,

    When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

    So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

    Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

    Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

    When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

    Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

    Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

    Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

    My best wishes to you!

    ..Read more

    Dr Ashish

    Dr Ashish Sehgal  |97 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Feb 10, 2023

    Asked by Anonymous - Feb 08, 2023Hindi
    Listen
    Relationship
    i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
    Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

    Here are some steps you can consider taking:

    Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

    Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

    Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

    Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

    Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

    Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

    Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

    ..Read more

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    Hi I am 25 years old with monthly salary of 50000. I want to buy a home in 3 to 4 years and also want to create wealth. How and where to invest please suggest. As of now no savings.
    Ans: It's great that you're thinking about your financial future at such a young age. Saving for a home and building wealth is wise.

    Budgeting: Create a simple spreadsheet or use a budgeting app to track your income and expenses. This will help you understand where your money is going each month.

    Emergency Fund: This fund acts as a safety net in case of unexpected expenses like medical emergencies or job loss. Aim to save enough to cover three to six months of your living expenses.

    Investments for Wealth Creation: Mutual funds and Systematic Investment Plans (SIPs) are popular options for long-term wealth creation. They pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.

    Saving for a Home: Fixed deposits (FDs) or recurring deposits (RDs) are low-risk options for saving towards your home purchase. They offer guaranteed returns over a fixed period, making them suitable for short-term goals like a down payment.

    Risk Management: Since your goal is to buy a home in 3 to 4 years, it's crucial to avoid high-risk investments like individual stocks or cryptocurrencies. These investments can be volatile and may not align with your short-term goals.

    Diversification: Spread your investments across different asset classes to reduce risk. For example, you could invest in a combination of FDs, mutual funds, and SIPs to achieve a balanced portfolio.

    Consultation: While these are general suggestions, it's essential to seek personalized advice from a Certified Financial Planner. They can assess your financial situation and provide tailored recommendations based on your goals, risk tolerance, and time horizon.

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    Archana

    Archana Deshpande  |27 Answers  |Ask -

    Image Coach, Soft Skills Trainer - Answered on May 04, 2024

    Asked by Anonymous - Apr 20, 2024Hindi
    Listen
    Hello Sir/Ma'am I'm facing problems regarding money and career related. However I'm working I'm earning but I not able set a goal, and day by day I'm becoming older, family responsibilities can't be handled because of salary issues. What to do, when I was in 12th standard my sister advised me to choose engineering line, she gave me wrong advise now I'm suffering and she is also working earning well n good she is getting high package but I'm. I think my problem is I'm not able to set a goal. Please suggest me, guide me.
    Ans: Hi!!

    Can I begin by saying, "stop blaming anyone for your circumstances". Your sister advised you for your own good. Engineering is a good degree to have. If you are not happy with doing technical work then see if you can add an MBA or some other skills to increase your chances of earning more. Life is all about taking decisions on a minute to minute basis. Take the right decisions now, let's leave the past behind, thinking about it has no meaning now.
    ... will you promise me not to indulge in the three c's- don't COMPLAIN, CRITICIZE and CONDEMN!!
    Let's look forward now ...
    I always believe in putting everything that overwhelms me on paper... then it starts looking doable and simpler!
    So that's your first task, put everything on paper( make a goal book, write everything in it), your desires, your dreams, your goals and a everyday to-do list.
    The goals should be in every aspect of your life....
    1. Financial Goal
    2. Career Goal- what other skills do you need to earn the money you need and move ahead in your career
    3. Relationships Goal, the quality of your life is based on the quality of your relationships
    4. The goal of your physical and mental well being, if you are mentally and physically fit then you can live life well
    5. How to be happy without any reason, that's your primary goal.... ask yourself "what are the ways in which I can have fun where money is not involved" - looking at the sun, spending time in nature, listening to the birds singing, playing with small children( they just want you, not your money), helping someone in need, sipping coffee peacefully, make a list of all these and try doing at least two of them every day.

    I don't know how good is your relationship with your sister, you say she is doing well, can you ask for her help, without blaming? Ask for help and learn from her. I am sure blood is always thicker and she will help you.

    Life is never a straight line, there will always be an up and a down!

    Keep up your spirits, everyday is a new day, don't blame yourself, don't blame others. be kind to yourself and be kind to others.

    Everyday, take one step towards your goals, move forward... and as regards to ageing, believe me age is just a number, you are as young as you think!!

    Here's wishing you a happy, healthy , wealthy life ahead!!

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1374 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

    Asked by Anonymous - May 04, 2024Hindi
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    Money
    Sir,Iam retiring this month I want to invest one core, so that I can getdecent return and also consider inflation.
    Ans: As you prepare for retirement, it's crucial to invest your corpus wisely to ensure a steady income and protect against inflation. Here are some considerations and recommendations:

    Risk Profile: Assess your risk tolerance and investment objectives. Since you're retiring, you may prefer a more conservative approach with lower-risk investments that offer stability and income.
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    Fixed-Income Options: Explore fixed-income instruments such as government bonds, corporate bonds, and fixed deposits. These provide regular interest income and are relatively safer than equities. Consider laddering your fixed-income investments to manage interest rate risk.
    Inflation Protection: To protect against inflation, consider inflation-linked bonds or mutual funds that invest in inflation-protected securities. These investments adjust their returns based on changes in inflation rates, helping to preserve purchasing power over time.
    Dividend-Paying Stocks: Dividend-paying stocks of established companies can provide a steady income stream in retirement. Look for companies with a history of consistent dividends and strong fundamentals.
    Systematic Withdrawal Plan (SWP): Instead of investing a lump sum, consider setting up an SWP from your investment portfolio. This allows you to withdraw a fixed amount periodically, providing a regular income stream while keeping your capital invested.
    Consult a Financial Advisor: Given the importance of your retirement funds, consider consulting with a certified financial planner or investment advisor. They can assess your financial situation, goals, and risk tolerance, and recommend a tailored investment strategy to meet your needs.
    Regular Review: Regularly review your investment portfolio to ensure it remains aligned with your retirement goals and financial needs. Rebalance your portfolio as necessary to maintain the desired asset allocation and risk profile.
    By carefully considering these factors and seeking professional advice, you can make informed investment decisions to secure a comfortable retirement and protect against inflation.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1374 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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    I started sip with 500 per month 6 years ago and now I have been investigating 1,20,000per month and do have plan to increase this to 2lac per month (including me and my wife's portfolio) I do invest in direct stocks as well. What would be the advise for me , is it wise decision to invest 2lac per month in mutual funds (70%equity) ? My Target is to build 5 crore by 2030.
    Ans: It's commendable that you've been consistently investing and increasing your SIP amount over the years. Here are some considerations and advice:

    Diversification: Investing in mutual funds alongside direct stocks provides diversification, which can help mitigate risk. Given your target of building a substantial corpus by 2030, diversification is crucial for long-term wealth creation.
    Risk Tolerance: Assess your risk tolerance carefully, especially since you mention investing 70% in equity. Equity investments can offer higher returns over the long term but come with greater volatility. Ensure that your risk appetite aligns with your investment strategy.
    Review and Adjust: Regularly review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Consider rebalancing your portfolio periodically to maintain the desired asset allocation.
    Financial Planning: Consider consulting with a certified financial planner to create a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon. A professional can provide personalized advice and help optimize your investment strategy.
    Emergency Fund: Ensure you have an adequate emergency fund set aside to cover unexpected expenses or financial setbacks. This can provide peace of mind and prevent the need to dip into your investment portfolio during times of need.
    Tax Planning: Keep tax implications in mind, especially as your investment amount increases. Explore tax-efficient investment options and strategies to optimize your returns and minimize tax liabilities.
    Stay Informed: Stay updated on market trends, economic developments, and changes in investment regulations. Continuous learning and staying informed can help you make informed investment decisions.
    Ultimately, investing 2 lakh per month in mutual funds can be a wise decision if it aligns with your financial goals, risk tolerance, and investment strategy. Just ensure you have a well-thought-out plan in place and continue to monitor and adjust your investments as needed.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1374 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

    Asked by Anonymous - May 04, 2024Hindi
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    Money
    Dear Sir, I am a 31 year old married man.I am in a huge debt trap of multiple loans plus credit card mounting around 9 lakhs. I work in MNC company earning 70k per month. Please advise or suggest if I can come out of this.
    Ans: I understand your concern about being in a debt trap, but there are steps you can take to address the situation and work towards financial stability:

    Assess Your Debt: Start by listing out all your debts, including the outstanding amounts, interest rates, and minimum monthly payments. This will give you a clear picture of your financial situation.
    Create a Budget: Develop a detailed budget that outlines your monthly income and expenses. Identify areas where you can cut back on spending to free up more money to put towards debt repayment.
    Prioritize Debt Repayment: Focus on paying off high-interest debt first, such as credit card debt. Consider using the debt avalanche or debt snowball method to systematically tackle your debts.
    Negotiate with Creditors: Reach out to your creditors to discuss repayment options. They may be willing to negotiate lower interest rates, waive fees, or offer a repayment plan that fits your budget.
    Explore Debt Consolidation: Consolidating your debts into a single loan with a lower interest rate can make it easier to manage and potentially reduce your overall interest costs. However, be cautious and carefully evaluate the terms and fees associated with any consolidation offer.
    Increase Your Income: Look for opportunities to increase your income, such as taking on a part-time job, freelancing, or seeking a higher-paying position within your company.
    Seek Professional Help: If you're feeling overwhelmed or unsure about how to proceed, consider seeking assistance from a financial counselor or debt relief agency. They can provide guidance and support tailored to your specific situation.
    Avoid Taking on New Debt: While you're working to pay off your existing debt, avoid taking on any new debt if possible. Stick to your budget and focus on living within your means.
    It may take time and discipline, but with a solid plan and commitment to debt repayment, you can overcome your debt challenges and regain control of your finances. Remember to be patient with yourself and celebrate small victories along the way.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1374 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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    Money
    Hi, I am 27 years old and and employees earning around 28k. I would like to create a corpse of approx 1 cr. Also I want to 30 lakhs save my parents for retirement. What should I do please advice?
    Ans: To achieve your financial goals of building a corpus of 1 crore for yourself and saving 30 lakhs for your parents' retirement, here's a suggested plan:

    Start Early and Save Consistently: Given your age, starting early and saving consistently will work in your favor. Allocate a portion of your income towards savings and investments each month.
    Emergency Fund: Begin by building an emergency fund equivalent to at least 3-6 months' worth of living expenses. This fund will provide financial security in case of unexpected expenses or loss of income.
    Investment in Mutual Funds: Consider investing in mutual funds through SIPs (Systematic Investment Plans). Choose a mix of equity and debt mutual funds based on your risk tolerance, investment horizon, and financial goals.
    Equity Mutual Funds for Long-Term Growth: Allocate a significant portion of your investment towards equity mutual funds, which have the potential to deliver higher returns over the long term. Since you have a long investment horizon, you can afford to take higher risks for potentially higher rewards.
    Debt Mutual Funds for Stability: Allocate a portion of your investment towards debt mutual funds for stability and capital preservation. Debt funds can provide steady returns while minimizing the overall portfolio risk.
    Retirement Planning for Parents: For your parents' retirement savings, consider investing in a mix of fixed income instruments such as Senior Citizen Savings Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), and debt mutual funds. These options provide regular income with capital protection.
    Regular Review and Adjustments: Regularly review your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment goals.
    Consult with a Financial Advisor: It's advisable to consult with a certified financial planner or investment advisor who can assess your financial goals, risk tolerance, and investment options, and provide personalized recommendations tailored to your specific needs and circumstances.
    By following these steps and investing wisely, you can work towards achieving your financial goals and securing a comfortable future for yourself and your parents.

    ...Read more

    Archana

    Archana Deshpande  |27 Answers  |Ask -

    Image Coach, Soft Skills Trainer - Answered on May 04, 2024

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    Career
    Hello Archana, hope you’re doing well. My name is Sundeep Prakash with 10 years of experience into Software development in Bangalore, I would like to understand how could improve my visibility with my Org level. Any to-do list to follow. Kindly advise. Thanks
    Ans: Hello Sundeep!
    Yes I am doing well and hope the same for you!!

    I would love to help you on this.
    Here's the to do list for you to increase your visibility in your organisation-
    1. always dress up for the next level. Always wear ironed clothes. A collared shirt, formal trousers, polished shoes. Your socks need to match your trousers. A neat formal belt. Belt and shoes to match . Look the part
    2. hone your communication skills. Communicate in a concise and precise manner, with the right tonality. Be an assertive communicator
    3. develop leadership qualities
    4. build on the three C's - Confidence, Capability and Credibility
    5. be an enthusiastic team player
    6. develop public speaking skills, just look at all the leaders, they all speak so well, it is a learnable skill
    7. grab the opportunities that come your way and prove that you are ready for the next level
    8. don't participate in office gossip
    9. help your juniors, every leader does this. The benefits of this are immense, you become better when you teach, you develop leadership skills, you create positivity in the office, you develop communication skills and you become popular
    10. work hard, work smart

    I don't want to overwhelm you with more, just do these 10 pointers and see the difference it'll make to your image in the office.

    And above all believe in yourself, you have 10 yrs of experience and believe that you are ready to scale upwards now!

    At the end of the day...be happy and spread happiness too!!

    All the very best and more power to you!!

    ...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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