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Anu

Anu Krishna  |1293 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
JG Question by JG on Sep 12, 2022Hindi
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Relationship

Dear Anu Madam
I have a brother, he is married, 38 years old and his is wife is 34.
Since 2 and half years they do not have any physical relationship but they have a 3-year-old child.
My brother is also suffering from depression and the cause is failing intimacy between his wife and him. He is not interested in her at all and now applied for divorce. But his wife for the sake of child wants to continue to remain married as child needs both parents for upbringing and refusing to give divorce. We also want to treat his depression for which he is not supportive. This is causing pain in the lives of all family members and his little child.
Please suggest what we can do for the wellbeing of all.

Ans: Dear JG,

How can you help someone who possibly doesn’t even realise that he needs help and that he needs it NOW?

Your intent to see him and his family is noble and out of care and concern. But if he is unwilling to recognise (possibly his mental state) that he needs professional help and that it will ease his situation and save his marriage, what is it that you can do?

For the sake of his wife and child, kindly ask an authoritative yet caring elder in the family to drive some sense into him.

Untreated mental condition isn’t a joyful experience for him or those around him.

Also, take him out on long walks in Nature. Nature is known to be very soothing and healing. Maybe it might help calm his nerves and he might seek help.

All the best!

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Ans: Hello Manish,
mental health issues can be complex, and professional guidance is crucial. Consult with mental health professionals to create a plan tailored to your family's specific situation. It's important to prioritize the safety and well-being of your family. If your brother's behavior becomes threatening or harmful, it may be necessary to maintain physical and emotional distance while encouraging him to seek help. Look for support groups or organizations that specialize in helping families dealing with mental health issues. They can provide guidance, resources, and a network of people who have faced similar challenges. Consider arranging a family intervention, facilitated by a mental health professional, where you can express your concerns about your brother's behavior and encourage him to seek help. It's important to approach this with empathy and understanding. while you mentioned that you don't want to go the legal route, in extreme cases, you may need to consider legal options like obtaining a court order for involuntary psychiatric evaluation. This should be considered as a last resort and only if your brother poses a serious threat to himself or others.

..Read more

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Dear dr , my colleague is divorced 2 yrs back ,he is suffering from acute depression, his ex wife has not allowed her son to meet his father in last 2 yrs, as ex wife family is financial very strong they are not taking any monthly support from my colleague for his son.meanwhile son is 10 yr old and is brainwash that his father is not good ,so doesn't want to meet him. My colleague is getting more depressed and admitted for 1 month in hospital and got ECT therapy. Kindly guide ,what we can do so he xan meet his son once a week
Ans: dear Mohammad,
First, it might be helpful for your colleague to consult with a family lawyer who specializes in custody and visitation rights. Even if his ex-wife’s family is financially strong and not accepting support, your colleague likely still has legal rights to see his son. A lawyer can help him explore options like mediation or going back to court to request visitation rights. Since the child has been influenced against him, a court might consider a gradual reintroduction, possibly with the help of a therapist, to rebuild their relationship.

It could also be beneficial to involve a mental health professional who can provide guidance on how to handle this emotionally challenging situation. This professional can help your colleague manage his depression and support him in dealing with the stress related to his son.

As a friend or colleague, your support is invaluable. Encourage him to seek legal and psychological help and remind him that he’s not alone in this battle. Regular check-ins, even if just to listen, can make a big difference in his recovery.

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I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.
Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

Best wishes;

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