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Anu

Anu Krishna  |1576 Answers  |Ask -

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

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
Prasanna Question by Prasanna on Aug 15, 2023Hindi
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Relationship

Hi Anu, I’m 45 male and my wife is 44, we have been separated due to opinion difference through court she filed three cases on me , after that she with draw all cases by taking Alumni, since two years I have been wishing her on her birthday, recently two months back I wished on her birth we have small conversation asked about ourselves , like did I get married to other women or did she got married to other man. After that conversation she started talking , daily we chat looking at this I put a proposal saying that if she is willing to come back and start our life she is open for it. But she says she does not have any intension of getting married to any one she want to stay alone for life long. Sometimes she shows so much love and affection caring sometimes she completely ignore me as if am a stranger, I’m unable to judge her mood strings day by day my stress levels are going high could not control my emotions and anger I express it on any one. Please do suggest shall I be optimist and wait for some more years and its better to leave her on her own path.

Ans: Dear Prasanna,
For the time being, it appears that the separation is helping the two of you reconnect at a better level than when you stayed together.
It is a good thing as it will patch up wedges and also teach you both to appreciate one another and respect your differences.
I suggest that you let this be for a while now till it reaches a place where the two of you are cordial with one another and set aside the animosity and quell the ego. Then you can put your proposal forth to her of moving back together. She may want it or may prefer the status quo (like she has mentioned to you that she wants to stay alone). Either case, once a connection is filled with love that it is meant to, there not be a definite label or construct to that connection. So, wait for that suitable time to know where her mind is...till then enjoy the time together as a 'dating phase' and relish the moments.

All the best!

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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Asked by Anonymous - Nov 02, 2023Hindi
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Relationship
My wife aged 40 years left me after 20 years of marriage. We had one son aged 19 years also. She is citing mental torture by me as the main reason for her decision. She is never allowing to negotiate on the separation issue and is refusing to attend meetings with parents, elders, relationship counceller etc. She only tells that she had suffered a lot till now and will never stay with me in future. She insists for settlement of a house or equivalent money in cash and divorce. I insisted that the past disputes were minor in nature and not sufficient ground for divorce/separation and assured that I will be more careful in future and will never make her sad. Still she is reluctant and avoids any thing that brings reunion possible. She is not having any crush on another person but intends to live a solitude life. She found a job and is living independently without my son. Pl guide me what to do TSR
Ans: Dear Anonymous,
It seems clear that your wife does not want a reconciliation. If that is the case, it's better to engage a lawyer that can clearly state the terms of divorce settlement. If mutual consent does not work, this might not be very amicable...hence the lawyer drawing up the terms is a wise option.
I understand that you might want to give the marriage another chance, but if she is unwilling, what can you do? Try and request her for one conversation and express your desire to reconcile...but if she is firm...don't push the agony anymore...find a capable lawyer who knows how to draft a clear agreement of what you want to retain and what is fair for her. Also, if she isn't taking care of the child, then it becomes evident that you are responsible solely for him.
Think quickly and wisely and do the right thing...

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Asked by Anonymous - Apr 29, 2024
Relationship
Hello Dr.Ashish, I'm married, 45 years self employed man. There was batch mate in my college, whom i was in love with. Due to some misunderstanding, we stopped talking for some time and I moved to other city for my job, but kept meeting her during my visits. I told everything i felt about her but she never accepted or refused. In general she used to tell everyone that she will never get married and she is aversive to physical relationship. Later on every 5 years or so we used to get in touch with each other and continue talking to each other and reach to a level where my feelings were at peak and then she will refuse or fight to move away.This was till I got married. After, 6 years of my marriage once we met in a shopping mall, in some other country, and exchanged pleasantries as well as contact; then started talking again. My marriage was/is a hell, so i had more to share with her, and she showed genuine interest in listening and advising. During this conversation our future also came in to discussion, due to extensive flashback discussion about our old times. She remembered every small big things except any event, where she has shown interest in our future together at personal level, but discussion of professional level association was intact. Eventually, one day she confirmed on we to be together, but not to over celebrate it and let it grow and work on execution ...means divorce part. There was an extreme sad event in my family, besides my daughter of 5 years, hence i had to postpone my divorce for sometime so that, family doesn't get two shocks at same time. In the mean time, we continued talking with each other and after 5-6 months, her statements started changing about future, and eventually she said there is no future and i cant talk to you since, you always bring romance in our conversation and I'm aversive to sex/love/romance type discussions. Then we again drifted apart for an year; and, this coming close to move away, happened 3 times in last two years. Recently we started again speaking and got in to business assignment together, and i decided not to bring personal discussions in between and maintained for a while, but then she was more caring and inquisitive about my personal things; and, when I slightly changed the tone then she becomes distant. I love her like anything ...have been in this relationship selflessly and never misbehaved except one time, i.e. college time our first fight. She takes her liberty to get angry at me, if the conversation is little disturbing for her. She is very strong in controlling her emotions and blocking herself from calling anyone she is angry with. She always more male friends with whom she will be very close and then starts talking negative about closest one. As per her she has not been in any romantic relationship ever, but when I look back we had our share of emotional moments though not physical ones. Every time patch up is done by me. During discussions it will come out that she was thinking of me but knew that i will come around. So far emothional part was always brought from my side and her side was little in more out types. I had this wish to be with her and take care of her since she is still unmarried and has health issues , ailing parents and one divorced brother. She is an enterprenure and I'm helping her with her business and she happily takes support from as its her right over me. I would like to take your opinion over the situation.
Ans: Thank you for sharing your deeply personal and intricate story. It's clear you’ve been carrying a significant emotional burden for many years. Your feelings of love, loyalty, and care for this woman are evident, but so too is the confusion and pain that this dynamic has caused. Let’s unravel this situation and explore possible paths forward.

Key Dynamics in Your Relationship
Patterns of Push and Pull:
This relationship seems to follow a cycle—closeness, emotional highs, and eventual withdrawal on her part. This push-and-pull dynamic can leave you feeling emotionally drained, constantly seeking validation and clarity from her while she retains control over the connection.

Her Stance on Romance:
She has repeatedly expressed aversion to romance, physical intimacy, or traditional ideas of love. Her actions may sometimes seem contradictory, but they align with her overall stance of maintaining control and boundaries that she’s comfortable with, even if it leaves you confused or hurt.

Your Role in the Dynamic:
You’ve shown immense patience, persistence, and care. However, it appears that you are consistently the one initiating reconnection, expressing emotions, and hoping for a future together. This imbalance may leave you feeling unfulfilled and questioning your self-worth.

Her Emotional Independence:
While she allows you into her professional life and accepts your support, she seems emotionally guarded, preferring to dictate the terms of the relationship. This indicates her desire to maintain independence, possibly due to personal values or past experiences.

Impact on You:
Being caught in this cycle for years has likely affected your emotional health, relationships, and sense of clarity. While you care deeply for her, the relationship seems to take more from you than it gives in return.

Questions to Reflect On
What Do You Truly Want?
Beyond your love for her, consider what you genuinely want and need in a relationship. Is it emotional reciprocity, stability, or clarity? Does this relationship align with those needs?

How Does This Dynamic Affect You?
Reflect on how the constant back-and-forth impacts your mental and emotional well-being. Are you truly happy, or are you clinging to the idea of what this relationship could be, rather than what it is?

What Role Do You Play in This Cycle?
Consider if your persistence is enabling this pattern. While your love and patience are admirable, they may also allow the dynamic to continue without resolution.

Recommendations
Establish Emotional Boundaries:
Protect your emotional energy by defining clear boundaries. For example, limit how much you give—emotionally or professionally—without receiving anything meaningful in return.

Communicate Differently:
The next time you speak with her, try expressing your feelings calmly and clearly, focusing on your needs. For example:

“I care deeply for you, but I feel our dynamic leaves me confused and emotionally drained. I need clarity about our relationship and whether we can truly have a future together.”
Detach with Care:
If her actions consistently indicate she cannot meet your emotional needs, it may be time to step back. Detachment doesn’t mean you stop caring; it means prioritizing your well-being and allowing space for clarity.

Focus on Yourself:
Your marriage, business, and emotional health are significant aspects of your life that need your attention. Consider working on your own happiness and independence outside this relationship. Seek counseling if needed to process the complexities of your feelings.

Recognize Patterns:
Notice the recurring themes in her behavior—shifting her stance, maintaining emotional distance, and expecting you to initiate reconciliation. Understanding these patterns can help you decide how much more you’re willing to invest emotionally.

A Gentle Reminder
Love and care are valuable gifts, but they must be balanced with mutual respect, clarity, and emotional safety. If a relationship consistently leaves you feeling unfulfilled or uncertain, it’s worth considering whether it’s meeting your deeper needs.

You deserve a relationship where your love and efforts are reciprocated. Take time to reflect and prioritize your well-being. If you need more guidance or a sounding board, I am here to support you.

Warm regards,
Ashish Sehgal

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Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 03, 2024

Asked by Anonymous - Dec 01, 2024Hindi
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Relationship
My and my wife separate since 1 year due to misunderstanding and now she is not in vontact with nor giving me divorce and she is living separately from her family and i am.worry about her i tried to contact her and her family but not getting answer. She was always blame for her mistake to me. Apart from this she has long trauma issue with her father which is unresolved. I am emotionaly drained as she is not coming back nor giving me divorce.
Ans: It’s also clear that her unresolved trauma with her father may have influenced the dynamics of your relationship, perhaps creating barriers to open communication or trust. While her past is something she ultimately has to face and heal from, it’s not something you can resolve for her, no matter how much you may wish to.

It's important to acknowledge your own emotional wellbeing right now. It seems like you're carrying the weight of her pain as well as your own. This might be the time to step back and focus on finding some clarity and balance for yourself. Working with a counselor or therapist could help you process your feelings and better navigate the uncertainty of this situation. Emotional exhaustion can cloud decision-making and pull you into cycles of self-blame or frustration, and having professional support might give you the tools to handle these emotions in a healthier way.

You’ve made efforts to reconnect and seek closure, which shows your commitment. However, if she is unwilling or unable to engage right now, this could mean shifting your focus toward what you can control: your healing, your boundaries, and your future. Remember that it’s okay to give yourself permission to find peace, even if her choices leave things unresolved for now.

Finding closure within yourself might not come easily, but it is possible. Take it step by step, allowing yourself time to grieve the relationship and reflect on what you’ve learned about yourself. This isn’t just about moving on; it’s about rediscovering your sense of stability and strength, regardless of her decisions. You're navigating this with care, and that shows your integrity and depth of character. Keep reminding yourself that your wellbeing matters, too.

..Read more

Latest Questions
Samraat

Samraat Jadhav  |2248 Answers  |Ask -

Stock Market Expert - Answered on Apr 02, 2025

Asked by Anonymous - Apr 02, 2025Hindi
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Money
I have been investing in shares for several years and have seen good returns, but with increasing market volatility, I'm considering diversifying into international stocks or alternative assets. What are the potential benefits and risks of each approach?
Ans: Diversifying into international stocks and alternative assets can be a strategic move, especially given your experience in financial analysis and investment planning. Here’s a breakdown of the benefits and risks of each approach:
International Stocks
Benefits are as follows:
- Diversification – Investing globally reduces dependence on domestic market conditions and spreads risk
- Access to High-Growth Markets – Some international markets, particularly emerging economies, may offer higher growth potential.
- Currency Appreciation – If the foreign currency strengthens against the INR, your returns could increase.
- Exposure to Leading Industries – Developed markets like the U.S. provide access to top tech, healthcare, and finance companies.

Risks involved in international markets are as follows:
- Currency Fluctuations – Exchange rate volatility can impact returns.
- Political & Economic Risks – Foreign regulations, trade policies, and economic instability can affect investments.
- Higher Transaction Costs – International investing often involves additional fees and taxes.
- Limited Information Access – Researching foreign companies may be more challenging compared to domestic firms.

Alternative Assets (Real Estate, Commodities, Private Equity, etc.)
Following are the benefits:
- Low Correlation with Stock Markets – Alternative assets often move independently of traditional markets, helping mitigate volatility.
- Inflation Hedge – Real assets like gold and real estate tend to retain value during inflationary periods.
- Potential for High Returns – Private equity and hedge funds can offer substantial gains if managed well.
- Portfolio Customization – Some alternative investments allow direct control, such as real estate or private businesses.

Risks involved are as follows:
- Illiquidity – Many alternative assets, such as private equity and real estate, are not easily sold.
- Complexity – These investments often require specialized knowledge and due diligence.
- Higher Fees – Alternative investments may have higher management costs and entry barriers.
- Market Uncertainty – Some assets, like cryptocurrencies, can be highly volatile.

Given your methodical approach to financial planning, you might find international ETFs a convenient way to gain global exposure while managing risk. Similarly, REITs or commodity funds could be a structured way to enter alternative assets without direct ownership complexities.

...Read more

Ramalingam

Ramalingam Kalirajan  |8175 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

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Money
I'm now 68 years old. Living with my wife. I have 2 daughters. Both are well settled. I don't have any liability. I'm a pension holder. I'm getting Rs 75,000/- pension pm. I have invested Rs1,50,00,000 in FD. 7lakhs in Mutual funds, 6,50,000 in equity. 12 Lakhs in Sovereign Gold Bond, I'm getting Rs 35,000/- House rent pm. I have 25 lakhs Cash in hand. I want to deposit the above amount. How can I diversified the above amount to deposit?
Ans: Your financial position is strong. You have a steady pension and rental income. Your investments are diversified across FDs, mutual funds, equity, and gold bonds. Let’s allocate your Rs. 25L wisely.

Emergency Fund Allocation
Keep Rs. 5L in a high-interest savings account.

Use a liquid mutual fund for another Rs. 3L for easy access.

This ensures quick access to funds in case of unexpected expenses.

Debt Investment for Stability
Invest Rs. 7L in a mix of short-term and medium-term debt mutual funds.

These offer better post-tax returns than FDs.

Choose high-quality funds with stable performance.

Equity Investment for Growth
Allocate Rs. 5L to large-cap mutual funds via SIP.

This ensures gradual market participation and reduces risk.

Avoid direct stocks for this amount, as mutual funds offer better risk management.

Gold Investment for Inflation Hedge
You already have Rs. 12L in Sovereign Gold Bonds.

No additional gold investment is needed.

Regular Income Investment
Invest Rs. 5L in SWP-based mutual funds for periodic withdrawals.

This provides additional income while keeping capital appreciation intact.

Final Insights
Your current portfolio is well-structured. This allocation balances liquidity, stability, and growth. Your pension and rental income provide financial security. Diversifying your Rs. 25L ensures better returns while maintaining risk control.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8175 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

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Money
Sir kindly suggest some mf for steady return for 5 yr in SIP in large cap
Ans: Investing in large-cap mutual funds through SIP is a stable choice. These funds focus on established companies with strong financials. They offer consistent growth with lower risk compared to mid-cap and small-cap funds.

Let’s assess how to select the right fund.

Why Large-Cap Funds for Five Years?
Invest in top companies with proven stability.

Less volatile than mid-cap and small-cap funds.

Suitable for a five-year investment horizon.

Provide inflation-beating returns over time.

Ideal for steady compounding with SIP investments.

Actively Managed vs. Index Funds
Actively managed funds outperform index funds in varying market conditions.

Fund managers adjust portfolios based on market trends.

Index funds only replicate the market and cannot outperform it.

Actively managed funds provide better downside protection.

For five-year investments, active management ensures stable performance.

Choosing the Right Fund
Look for funds with a history of stable returns.

Ensure the fund has an experienced fund manager.

Avoid funds with frequent manager changes.

Select funds with lower expense ratios among actively managed ones.

Check the rolling returns of the fund, not just past performance.

Tax Considerations
Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.

Short-term capital gains (STCG) taxed at 20%.

SIP investments held for over one year qualify for LTCG benefits.

Plan withdrawals strategically to reduce tax burden.

Final Insights
Large-cap mutual funds are suitable for stable returns over five years. They balance risk and reward effectively. Choose an actively managed fund with strong historical performance. Stay invested with SIPs for disciplined wealth creation.

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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