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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 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
PP Question by PP on Sep 12, 2022Hindi
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Relationship

HI ANU
Nice to contact you. I need your advice. Hope you can help me.
We have been married for 22 years (arranged marriage).
For the last 10 years we have some family dispute between my mother and wife.
She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too.
We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.
If only she’d loved me neither of us would have had an affair.
Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life.
What to do? Shall I seek divorce? Should I consult a therapist to forget everything?
Please guide me.

Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2023

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Relationship
Hi, I have been married since 2011 and have a son aged 9 yrs. My wife managed her professional career as well as home. I trusted her to the fullest and allowed her to go out of town alone for work purpose. However in 2017, my wife had an affair with her senior working in bank and it was physical relationship too. It lasted for almost 1.5 yr untill I caught her in August 2018. When confronted she did not had proper justification for doing such gross thing and tried too blame me. Since than she has no contact with that person and even she filed a complain in the office against that person for stalking. She is remorseful and shameful for her act, but i dont feel any attachment towards her. I am still continuing in marriage with mental trauma of affair. What should i do with marriage now?
Ans: Dear Saurav

Discovering that your wife has been unfaithful can be a traumatic experience, and it's understandable that you may be feeling hurt, angry, and betrayed. It's important to prioritize your own well-being and emotional health during this time.

Here are some steps that you can take to help you navigate this situation:

Seek support: Consider talking to a therapist, a trusted friend or family member, or a support group for individuals who have experienced infidelity. It's important to have someone to talk to who can provide a listening ear and a safe space for you to express your emotions.

Communicate: If you want to work on your relationship with your wife, it's important to communicate openly and honestly about your feelings. Let your wife know how her actions have affected you and what you need in order to move forward.

Set boundaries: It's important to set clear boundaries with your wife regarding what is and isn't acceptable behavior. If you choose to work on your relationship, make sure that your wife is willing to take responsibility for her actions and work towards rebuilding trust.

Consider counseling: If you and your wife want to work on your relationship, consider couples counseling. A trained therapist can help you and your wife communicate effectively and work through any underlying issues that may have contributed to the infidelity.

Take time to reflect: Consider what you want for your future and whether or not you are willing to work on your relationship. It's important to make a decision that feels right for you and your well-being.

Don't blame yourself: It's important to remember that your wife's infidelity is not your fault. While it's natural to feel responsible or to question what you could have done differently, ultimately the decision to cheat was your wife's alone.

It's important to acknowledge your own feelings and to take care of yourself during this time. With time and support, it's possible to heal and move forward from the trauma of infidelity. Ultimately, the decision about what to do with your marriage is up to you and your wife, and it's important to make a decision that feels right for both of you.

..Read more

Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 08, 2023

Asked by Anonymous - Dec 07, 2023Hindi
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Relationship
I am 40 year old and married for 14 years but what happened in 2011 was me n my wife was working in a same company and my wife became close to a colleague on the same floor we work. She was very friendly n one day her colleague proposed her via her friend my wife didn't tell me n she felt very excited about it and after she became very friendly with him after few days she was ignoring me and she expressed her feelings too.but soon she realised she is going wrong and i noticed her changed behaviour and soon she started ignoring tht guy but he came n offered her chocolate and my wife informed me saying this guy's intentions I ask her to tie raakhi she tried but he was running away later we logged out she asked me to stop him and I forced him to him to tie raakhi and my wife was tying and he said I love u. I gve a tight slap to tht guy. Soon after he left the job. We were still working and left the office n joined different companies.after 6 months she went to same office for 2 months. And suddenly she left the job.Now after 12 years her TL met with my ex colleague and shared he working in tht office my colleague asked hey in tht same office my friend was working with his wife and her TL said ohh yeah his wife had n affair with other guy and he asked his wife to raakhi. And my ex colleague called me n said the same to me and since then I have so many doubts on my wife and after few days she confessed she had feelings for him and she already knew he likes her and she said it was just a feeling. Now we are having difference between us. Please help what can be done now I'm getting disturbed alot. 12 years this was secret.
Ans: Dear Anonymous,

I am sorry to hear that you are facing such issues. Doubt is very destructive in a relationship. It's important to have an open and honest conversation with your partner regarding what happened in the past. Don't push her to give you all the details; it will not contribute positively to your well-being. Aim for a more balanced and productive discussion.

You have to recognize that all these happened many years back. It's in the past. And you cannot change it. While it's essential to acknowledge and understand them, dwelling on them may impact your peace of mind. Focus on the present and try to build a more transparent and communicative relationship in the present. Take this opportunity to work together and strengthen your marriage.

Best Wishes!

..Read more

Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2023

Asked by Anonymous - Dec 15, 2023Hindi
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Relationship
Hello, I have been married from 15 yrs. I have a 9 yrs old son with me. In oct 21 my wife (age 38) started making REELS on insta of the facial acting. She got involved and told me that she is just doing for followers and like. People used to comment good and bad which i didnt like. She was trying to make young guy friends. In april 2022 she had an affair with a 22-year-old boy who was not even financial stable. I could she changes in her every day. In June 2022 I caught her and she confess that she did affair and also done physical relationship. I had unconditionally loved her all these years and didn’t wanted to let her go. Also, didn’t wanted to hurt my son by taking a divorce. That guy refused to keep my son and their relation broke, but my wife still loved him and missed him. Few months she was in depression and I took her upmost care and swallowed what she did. I just told her that please come back to our life as you were before but she was not getting back. There used to be few quarrels, she was just staying alone within herself and I never felt that love which she used to give me. Later in feb23 there was a marriage at her family and I agree to go with her so she may get that feel during our times and she promised me to enjoy the marriage and make love with me. But she was happy with her relative and didn’t even bother to make that love and affection with me. from that time, I used to get angry and fight with her. I went into depression. In May 2023 she was getting worst and one day fight increased and I asked her to leave my house which I wasn’t intentionally wanted to. She left and went missing 24 yrs and then called from her mom mobile who was in her village, since she didn’t come back home and from last two month, she has been asking me money for herself and says it’s her rights. She doesn’t bother for my son and just show that she loves him. She works and stay with woman from 6 months and I’m looking after my son all alone. I told her u can work but just come home and make things better for my son. Her conditions is to give money security (money) then only she will return. All my family says she is just behind money and doesn’t care what I and my son is going through. She is not guilt for what she did. 15 yrs of marriage has been ruin and now she has no shame at all. She talks rudely if i dont send her money and now I refused sending her. Please advice what do I do now.
Ans: Dear Anonymous,
You seem to have done a lot to try and get her back. What can you do if she doesn't want to acknowledge your efforts or appreciate what family life is! One would imagine that a child in the equation may bring about a change in heart but that doesn't seem to be the case here at this moment.
Your family members are right in their mind about the way that see your wife as they have been observing how this has impacted you and your son.
Either you wait for her to come to her senses OR simply learn to live life without her. If the outside world of social media is what seems to satisfy her, no matter what you do, she will be dissatisfied and unhappy. This only means that she has to learn and appreciate what she has with you and your son.
It is also possible that she has been disinterested in the marriage for a while now and has been seeking approval and validation from people on social media. Even if this is the case, being angry with you is understandable BUT what about her own child? What makes her not want to deal with that reality? If you need an answer to this, simply WAIT and WATCH without begging her to come back...That will give you an idea as to where her mind is and then decide on the future course...

All the best!

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

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

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

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Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

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

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

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

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

Asked by Anonymous - Nov 20, 2024Hindi
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Money
I am 50 yrs old. If I invest 60k per month for 10 yrs in SIPs of MF then will I be able to achieve the corpus of Rs. 2.50 Crs and if not how much shall I invest per month and in which SIP schemes
Ans: You have a clear goal to invest Rs. 60,000 per month for 10 years. The goal is to accumulate Rs. 2.5 crore through mutual fund SIPs. Let us analyse your query in detail and provide actionable insights.

Evaluating the Feasibility of Your Investment Plan
10-Year Time Frame:
Ten years is a medium-term horizon. Equity-based mutual funds offer good growth potential for this period.

Monthly SIP Contribution:
A SIP of Rs. 60,000 is significant. It shows your commitment to wealth creation.

Target Corpus Analysis:
The target of Rs. 2.5 crore depends on consistent returns. Market performance influences results.

Expected Returns:
Equity funds can give 10%-12% annualised returns in the long run. However, returns are not guaranteed.

Is Rs. 60,000 Sufficient?
Your current contribution may not be sufficient to reach Rs. 2.5 crore in 10 years.

For 10%-12% Returns:
You might accumulate Rs. 1.9–2.1 crore. There could be a shortfall of Rs. 40–60 lakh.

Solution:
Increase your SIP amount to Rs. 75,000–80,000 monthly for a better chance of achieving the goal.

Optimising Your SIP Contributions
Step-Up SIPs:
Increase your SIP amount by 5%-10% every year. This adjusts for inflation and higher earnings.

Lump Sum Boost:
If you have surplus funds, invest a lump sum. This accelerates your goal.

Diversify Investments:
Allocate across equity and hybrid funds for balanced growth and risk management.

Selecting the Right SIP Investments
Actively managed funds are suitable for your goals. Avoid index funds due to their limitations.

Equity Funds for Growth:
These funds have high growth potential over 10 years.

Diversified Portfolio:
Choose funds across large-cap, mid-cap, and multi-cap categories. This spreads risk effectively.

Hybrid Funds:
Hybrid funds provide stability by balancing equity and debt investments.

Avoiding Direct Funds
Investing through direct funds might seem cost-effective but has drawbacks.

Limited Guidance:
Direct funds lack professional advice. This could lead to suboptimal fund choices.

Benefits of Regular Plans:
A Certified Financial Planner ensures proper fund selection and portfolio review.

Managing Tax Implications
Understanding taxation helps optimise your returns.

Long-Term Gains:
LTCG above Rs. 1.25 lakh is taxed at 12.5%. Plan redemptions strategically.

Short-Term Gains:
STCG on equity is taxed at 20%. Avoid frequent withdrawals to minimise this tax.

Hybrid Funds Taxation:
Gains from hybrid funds are taxed as per your income slab.

Steps to Achieve Rs. 2.5 Crore
Increase SIP Amount:
Raise your SIP to Rs. 75,000–80,000 monthly.

Review Annually:
Monitor portfolio performance and adjust investments.

Use a Balanced Strategy:
Combine equity funds with hybrid funds to optimise risk and return.

Seek Professional Help:
Work with a Certified Financial Planner to refine your plan.

Final Insights
Your goal of Rs. 2.5 crore in 10 years is achievable with adjustments. Increase your SIP amount and maintain discipline. Diversify investments and periodically review the portfolio. A Certified Financial Planner can guide you for maximum efficiency and clarity.

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.

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