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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 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
KN Question by KN on Oct 19, 2022Hindi
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Relationship

Anu, Request you to keep my identity anonymous.
I am a 40 years old guy, happily married with two kids. I have a lot of friends and I have invariably introduced most of them to my wife.
While with a previous organisation that I worked for, I met this girl (say M) and we became very good friends. M is 2½ years younger to me, is married and has kids. Much like with my other friends, I introduced M to my wife. M has also been home a couple of times during festive occasions.
While so, during a family day event at office almost 5 years back, during an apparent conversation between M and me, we were engrossed in the conversation and my wife was standing right next to me. My wife thought that she was deliberately being snubbed/ignored and got offended with M's behaviour.
Since then my wife developed some sort of a hatred towards M. Many a times I tried explaining to my wife that M's behaviour was not offensive and even if it was, was unintentional.
It's been nearly six years since this happened, but that animosity still continues.
The more I try to explain to her, the angrier she gets.
We have had a lot of fights whenever this topic arises. I am scared to even pick M's calls when my wife is around.

What this has done is that I started speaking to M discreetly.
I had to delete all photos that I had with her. I constantly keep deleting all WhatsApp conversations and call logs that I have with her.

I do not want to do all these secret things especially when I am not doing anything wrong.
I want my wife to give M one more chance. My wife does not think I have a relationship with M. Her point is that I should not talk to someone who has insulted her (my wife). I think that it would not be fair for me to stop talking to M.

My question is how do I instill sense into my wife?
How do I convince her to give M one more chance? I don’t want to lose a good friend.

Ans:

Dear K,

If your wife has felt snubbed and you feel that she is being unreasonable, what can you do if you wife isn’t willing to befriend M?

The more you fight this, the more your wife feels that there is something going on.

Doubts in the mind spread like slow fire consuming the mind and you are adding fuel to the fire by being adamant on maintaining the connection with M.

Now you wife is convinced that she must not have anything to do with her and you should not as well.

What do you want to do? Spoil the peace at home because of an external connection?

It may not seem fair to you, but there is a reason why your wife felt snubbed by M at that time.

She is unrelenting and does not want M in the equation. Why are you fighting this?

I am asking you choose between the peace within the marriage and an external connection.

There will be a point in time when your wife will be willing to look at this objectively and that is the time to talk to her about it.

Right now, it will be like forcing her, having fights over this and maintaining a connection with M within all of this/ Do you really feel that a connection is made suppressing another one?

Connections are made in complete peace and harmony with existing connections growing because of the new one.

What you have is the existing connection being threatened because of the other.

Be patient and reasonable and wait for the time to emerge for connections to co-exist and in the meantime, reassure your wife that your marriage means a lot to you.

May not sound fair, but it’s the only way to honour the marriage.

All the best!

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Kanchan

Kanchan Rai  |649 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

Asked by Anonymous - Apr 18, 2023Hindi
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Relationship
Hello, Firstly thank for your time, Well I am looking for some guidance regarding my married life, I am 40 yrs old man, married for 9 yrs, with a 7 year old daughter, ours was a love marriage with some ups and downs initially, but with time both of our families became supportive of us and the relationship continued. But 3 years back I caught my wife red handed having an affair with someone who worked for me. This broke me totally, made me feel embarrassed and since then it has been really difficult for me, but what broke me even further was my wife blames me for she taking such decisions in her life, she also shared rumors about me among our common friends, in society where we live behind my back ( I discovered this when I discovered her messages). She keeps blaming me or my family for even the smallest argument that we might have had in our relationship in the past and keeps maintaining the distance with me. Once the affair was discovered I was really upset and we had a huge fight over it, and it had some impact on our daughter ( who was almost 5 then), realizing that it would affect our daughter's life we mutually decided to give the relationship another try for the sake of our daughter and also our families came together to support this decision, now the problem is things aren't the same anymore, I always get a feeling of no regret from my wife and I feel embarrassed about what had happened, this has totally changed me as a person, once a man with lot of hope in life have become a person with no major aspirations in life. My daughter too is very much connected to my wife, this breaks me even more as a man/father. I tried to speak with my wife about this and her only point being I should hear what she feels and I do not understand her feelings etc... I do not understand how to deal with this, can you guide me? I want to become a better version , an example for my daughter again...I feel demotivated. Thanks again.
Ans: i am sorry to hear about the difficult situation that you are facing in your marriage. I would advise you to prioritize your own well-being and seek out support from a mental health professional to help you work through the complex emotions that you are experiencing.

It's understandable that the discovery of your wife's affair had a profound impact on you and your relationship. However, it's important to understand that your wife's decision to cheat was not your fault, and it is not appropriate for her to blame you for her actions. It's also concerning that she has shared rumors about you with others, as this can be a sign of deeper issues within the relationship.

In terms of moving forward, it may be helpful to have an honest and open conversation with your wife about your concerns and feelings. This can be a difficult conversation to have, but it's important to communicate your needs and expectations in the relationship. It may also be helpful to seek out couples therapy or marriage counseling to work through these issues and develop strategies for rebuilding trust and intimacy in the relationship.

It's important to remember that you deserve to be in a healthy and respectful relationship, and that it's never too late to work towards improving your current situation. You have the strength and resilience to overcome these challenges, and with the right support and resources, you can become a better version of yourself and a positive example for your daughter.

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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 17, 2024

Asked by Anonymous - Feb 12, 2024Hindi
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Relationship
Hi, I m 54 year old married person, Last couple of years I am in contact with my 25 year old friend ( Age 50) Who had earlier severed relationship with us under the pressure from his wife. he is undergoing his divorce process now and hence he again reunited with us. Last 3-4 years my relationship with my wife ( Age 50) got sour due to one or the other reason and fault/negligence from my side. Meanwhile My friend and My wife are in close contact and they usually go for outing and he also come to our house regularly for chilling. I know this age is not for attraction/carrying out extra marital affair but last few months My wife always quote her name, make comparison between me and my friend how he takes care of her as compared to me etc etc. Also our small routine arguments gots heated when she utter a word "Separation/Divorce" etc etc. I feel very hurt when I am being threatened again n again for this. At this age I cant force my wife to cut down all relationship with that friend and also can't tell that friend to stop contacting my wife as they both are 50 year old matured person. I am just keeping calm 9 out of 10 incidences but that 1 incidence I am worried that everything will be ruined. We ( (Me n my wife) have struggled a lot to make our life stable and came out of deep financial crisis. Now at this stage I cant see or don't want to face this type of problems. Can u suggest any way out. Please.
Ans: Dear Anonymous,
Attraction happens at any age BUT to act on it is a CHOICE.
I do feel that if the other person has caught the fancy of your wife, you must say this out aloud. You may come across as being controlling or suspecting of your wife, but HEY, if you see them spending time together at outings, compare you and him, etc and lately you catch your wife using words like 'separation/divorce', it is only fair of you to feel the way that you are!
DO share with her how you feel and how you fear that this may destroy the marriage.
She may just say that you are being insecure, but the responsibility of bringing the security back is on her now. If she doesn't, then you know that she has begun to prioritize the other man over you and you need to strongly address it. DO voice this out and call out her behavior before it is too late. It will be a very emphatic attempt at saving your marriage.

All the best!

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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

Asked by Anonymous - Aug 19, 2024Hindi
Relationship
Hi there, i am going through a difficult phase in my life, i dont know where to start but here my story goes. i work in UAE and i had a balanced and peaceful life until last November where i got married (arranged). we first met last year in march through marriage broker and everything matched, family also liked and we got married in November 2023. Before marriage we used to speak for 10-15 mins almost everyday (all casual talks and i thought everything was ok and she was the perfect match for me and my family). so after marriage i travelled back to uae and was supposed to bring her to UAE in Jan 2024. I had one past relationship for 2 years and we had broken up last year February as she was a from north of india and i was from south India and our families were against it and she wanted to go against family and get married but i was not ready as for me family became priority and we broke up. And after this relationship ended then only this match happened and after one month of my marriage my ex reached out to my wife and shared our relationship details and my wife got very upset and went back to her home. I travelled back to india to console her and tell her that it was my past and i am no longer in relation with my ex and our family involved and sorted this issue. My wife came back to us and everything was normal after that. My wife came to UAE in January 2024 and we started our married life here. All seemed good until i noticed a pattern of her taking to a person on phone everyday when i am out for office and also being very cautious with her phone. On confronting this she told its is her friend and i told her what is the point in talking to him daily for which she cried and told that i am controlling and she dont have freedom to talk to her friends. I left it as she was at home alone and bored and she was also looking for job here and may be with time she will change but still the talking continued until one day in May i was uploading her resume for her job and had access to her google photos and was shocked to see her photos with the guy whom she calls friend. There were photos of her with him after our marriage and also photos with him the day before she came to UAE. I confronted this with her and she cried and told that previously she had relation with him and parents did not agree and later she married me and had forgotten him but since she came to know about my past relationship she continued to stay in contact with him. She is not telling the complete story as i saw their photos before our marriage and even before our match happened and I have also seen her google location timelines as well. I told her to stop this if we want to continue our marriage she told ok but she still talks & chats to him through watsapp & botim because she is very secretive of her phone. She takes good care of me and tells she loves me but I am not sure she really loves me or just faking it. Now she is 3 months pregnant. I am thinking she will leave me for her ex giving me the baby after the baby is born as she mentioned this during one of our arguments. This is one side of my story and between all this my mom fell sick and upon consulting, she was diagnosed with cervical cancer stage 3A and I tried to get her the best treatment (chemo) but the cancer has spread widely and because of her age also she cannot take the treatment. Tried ayurvedic and herbal medicines but nothing can be done and doctors have told max she will live is 6 months. She is bedridden now and in pain everyday. I have a decent job in Dubai with decent salary where I have built my own house in my native and managing my home (parents in india & wife is UAE) but currently my finances is also effected very badly as I spent lot of money for our marriage and for my mothers treatment and I have loans and multiple credit cards as well. I am very stressed and all these things are eating me up daily and i don't know what to do and what went wrong and where? Even i cannot focus on my job as well. Please advise how can i go about these situation. i cannot share these to anyone also, Please advise.
Ans: Dear Anonymous,
It is always better that your spouse hears about your past from you and no one else.
Obviously your ex decided to have the best revenge by reaching out to your wife and it has made its mark as it has messed with your wife's head and seeped within your marriage making it difficult for the two of you to have a relationship. And now, a baby as well when your relationship is still messed up?
Sort this out before the baby arrives. No point wondering is she is going to leave you etc. Why could your wife not trust you even when you ex came back with stories, I wonder!
Do you both realize the lack of communication has resulted in a breakdown of trust? Can you reconnect at least now and at least for the sake of the child?
Come together as a couple and learn to love, support and trust and the only way to do that is by keeping the last away...
Is it possible? YES! Only if you choose it...
So, make that choice of working on the marriage, keep the past out and think of how to move ahead...Easier said and also done...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ravi Mittal  |694 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 27, 2026Hindi
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My family is pressurising me to get married to a girl I am not interested in. I am 36 and the girl is 28. I am traditional, old school and she looks younger, the partying, late night kinds. She is very active on social media. In fact, she was very judgemental about my clothes and totally non-committed about relationships when we spoke in our first meeting. I can say with confidence that our vibes don't match but my parents don't seem to understand my expectations. There was no formal engagement but my parents are proceeding with the marriage formalities because our parents are business partners. They feel I am overthinking and overreacting. I feel like no one is listening to me, what I want, including my grandparents. What should I do? I want to run away from all this drama.
Ans: Dear Anonymous,
I understand your concern and how difficult it is sometimes to convince family members about our feelings. Please have one on one conversations with your parents. Instead of sitting with both parents, speak to them individually. Ask them direct questions based on realistic examples, like, “She enjoys partying and I don’t. What if that leads to a huge fight and in the end, divorce?” “What if we never love each other and stay in an unhappy marriage?” This might help them imagine the situation a little better. Next, speak to the girl. Ask her what she feels about this marriage, if she would be able to adjust and eventually love you. Ask her if she is okay with a lifetime of adjustment and compromise. Have an honest conversation; don’t try to convince her to break the marriage, rather have a clear discussion and see how she feels about this honestly. I am sure this will help you in the situation.

Hope this helps.

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Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 25, 2026Hindi
Money
Hello, I have been investing in mutual funds using regular plans. Recently couple of my friends have been pushing me to stop SIPs and investments for Regular plans and go in with Direct plans. While I understand that the commissions that I pay to the financial advisor is considerable, I want to understand typically what how much am I losing by not investing in Direct plans. I read in a Sample report of an RIA that I will be losing around 15% due to regular plans. Is it a real thing? any thoughts about it? The inputs provided by my mutual fund distributor are good, but I do feel that I can also invest in flexi funds and achieve the same results. Kindly share your inputs.
Ans: Hi,

Yes there is a difference between regular and direct plans.
Direct plans are for people who have a very good understanding and can manage their portfolio. But even those people need an advisor at some point once their portfolio grows into lakhs and crores.
Hence it is always better to go for regular plans from the start as an early guidance helps you achieve your goals in a more planned way.

Choosing a wrong direct plan can adversely affect the portfolio and instead of saving 1% on commissions, one may end up losing upto 10% on an yearly basis.
Also choosing some random plans such as flexicap along with your regular portfolio is not a good idea. An advisor critically measures your profile and work accordingly.
It is always better to listen to your advisor.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I am 41 yrs old working as a Senior Manager in PSB, living with my wife and no children. Due to work pressure, Stress, Transfer posting , etc. i am planning for semi-retirement at the middle of this year. Kindly advice is it too risky or fine to retire with my Asset & Liabilities as below ASSETS 1. NPS: 32.00 lakhs 2.Mutual Fund & Stock: 25.00 lakhs 3. FD: 16 Lakhs 4. Land: 40.00 lakhs 5. PPF: 3.5 lakhs LIABILITIES Car loan: 3.5 lakhs,EMI:7000/- After retirement I am planning for Banking & Financial consultancy business and DSA with Bank (Earning: Unpredictable). My current monthly expanses is Rs.50000/- per month. Living in Urban area.
Ans: Hi,

Your current assets are not sufficient for you to leave your job currently.
However, setup the business along with your job and then check the status after 6 months. If you are able to earn more than your expenses, you can consider getting retirement.
But make sure to have enough savings for other financial goals such as travel , health, other major liabilities etc.

You need atleast assets worth 1.1 crores in mutual funds for you to retire to fund your retirement forever (assuming xirr 11% pa.)

Hence try setting up a business side by side. And increase your investments in mutual funds substantially with help of a professional to get it aligned with your plans.

Consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Money
Hi Guru, I'm 43 Yrs old and investing in SIPs since last 4 years in the following - 1. SBI Small Cap Regular plan Growth - 5,000 2. ICICI Prudential Value Fund - 10,000 3. Motilal Oswal mid Cap fund - 5,000 4. Kotak Flexicap fund Regular Plan growth - 10,000 I also have the following policies - 1. ICICI Prudential Smartlife RP (ULIP) - 10,000 Per Month 2. Kotak Assured Savings Plan - 13,433 Per Month. Please check and let me know if everything is ok or else help me with any other SIPs or Policies. Many Thanks in Advance ..! Suresh G
Ans: Hi Suresh,

It is good that you have built a discipline for investing over the past 4 years.

The SIP funds you mentioned are good for long term, but selection can be improved more to generate better returns in alignment to your long term goals. You can try including large cap fund and make changes accordignly. Or choose to connect with a professional who will help you in improving fund selection.

The policies mentioned are not recommended to continue. Policies like this have a cagd of 5-6% annually when calculated accurately which is even less than FD. Hence you may choose to surrender and close these and redirect the investments into mutual funds for better returns and performance.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ramalingam

Ramalingam Kalirajan  |10998 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 28, 2026

Money
Considering current and future economic and situations, between fixed or floating home loan, which is better ? I'm going to take home loan from HDFC Bank for around 40 to 45 lakhs for 15 yrs. Pls suggest me also tell me what terms needs to be checked in loan agreement before signing
Ans: Appreciate your intent to choose the right loan structure with clear thinking. Choosing between fixed and floating rate for a home loan of around Rs 40–45 lakhs for 15 years is a big financial decision. It can impact your monthly cash flow, overall cost, and peace of mind.

» Difference between fixed and floating interest rates
– Fixed rate means your interest rate stays the same throughout the chosen fixed period. Your monthly EMI does not change during that period.
– Floating rate means the interest can go up or down with market benchmarks like the repo rate or bank’s internal benchmarks. Your EMI or loan tenure may adjust when rates change.

» What current and future economic conditions mean
– Interest rates globally and domestically have seen rises due to inflationary pressure, central bank policy tightening, and costlier funds for banks.
– In a rising rate scenario, fixed rates protect you from future rate hikes.
– In a falling or stable rate scenario, floating rates may cost less over time.

» Why floating rate usually works well for 15-year loans
– Floating rate typically starts lower than fixed rate, giving you initial cost advantage.
– Over long horizons, banks may adjust rates downward when economic pressure eases.
– You retain flexibility to prepay or refinance when rates soften.
– Many borrowers pay lower total interest with floating when rates stabilise.

» When fixed rate can be appropriate
– If you prioritise certainty of EMI and peace of mind even if rates rise in future.
– If you are not comfortable with EMI changes in your monthly budgeting.
– If your income is tight and you prefer predictable cash flows.

» Practical view for your case
– With a 15-year term and current rate cycle, floating rate is generally more suitable.
– It gives you lower initial cost and flexibility to refinance or prepay when rates soften.
– Fixed rate may feel secure but often costs more in long term if rates do not rise significantly.

» Key terms to check in loan agreement before signing
– Interest rate type and reset clause – How often the floating rate can change and by what benchmark.
– Processing fees and other charges – Upfront cost that adds to your total cost of borrowing.
– Prepayment and part-prepayment terms – Whether prepayment is allowed without penalty and how often you can prepay.
– Conversion options – Whether you can switch from floating to fixed (or vice versa) and at what cost.
– Penal interest – Charges if you delay EMI payments and how they are calculated.
– Loan disbursement schedule – Especially for under-construction properties, how and when funds are released.
– Foreclosure charges – Fees if you fully close the loan before term ends.
– Interest computation method – Whether interest is calculated on a reducing balance basis.

» How to structure your loan for comfort and cost efficiency
– Choose floating rate with a short initial lock-in if you prefer lower cost.
– Keep prepayment and part-payment flexibility open so you can reduce outstanding principal with surplus funds.
– Monitor rate environment annually to decide if converting to fixed or refinancing makes sense.
– Keep an emergency buffer so you are not pressured if floating rates tick up temporarily.

» Final Insights
– Floating rate home loan typically suits you better over 15 years in current economic context.
– Fixed rate gives peace but often costs more if rates do not rise sharply.
– Focus on key loan terms before signing so no surprises later.
– With careful planning and periodic review, your housing finance cost can be controlled well.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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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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