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Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 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
MB Question by MB on Nov 08, 2022Hindi
Relationship

I got married in 2018 and it was an arranged marriage. Everything seemed very perfect for me. But soon after things got weird as I realised my husband does not share good rapport with his own family.
From day second, I felt I need to correct my husband' attitude towards his own parents. He loves me a lot and protects me from any type of problem while we were staying at my in-laws' house.
But before completing 2 months we moved out and somewhere I knew there is no going back to his parents from that point.
During the short 2 months stay I was told that my parents did not give me good stuff -- I mean bed, almirah and (that they) had not arranged our marriage function in the best way possible. I have seen them fighting among themselves for purchasing Maggi packets stating who will pay the price.
I was told my husband who is eventually their real son contributed nothing to his sister's marriage, to their house construction and to his own marriage.
I was asked to pay for the marriage album as my husband contributed nothing to his own marriage.
Even after leaving their place bank payment related messages have been sent to me to pay the amount.
One day after feeling helpless I asked them: If your son is having so much problem why did you marry him.
They simply stated that they did it for the sake of society.
The moments before leaving the house were tense. They threw a lot of tantrums -- they took the jewellery they'd purchased for me and also retained the jewellery given by my parents. I said nothing about it as those materialistic things never mattered to me.
I had to take back a part of jewellery made by my parents from them as my parents wanted it back. But after leaving home they did not call to ask anything about our health or our problems with the new set up but instead called for money.
They are threatening to come back if we don't talk to them on regular basis and bend their son on his knees to come back to his parents.

Till some time, I was under the impression that my husband is having issues; that he is the monster who is abandoning his parents. When I learned his side of story, I realised he is not at fault completely. They never made him feel loved or accepted; and always compared him with others.
They considered him as their investment plan as they are all the time cursing him for not providing any financial support without knowing at what salary he is working for, what are his monthly expenses and whether he is in a position to assist them financially.
He doesn't have any good memories with his family. Still I tried to make him feel their pain to be left alone behind their only son.
After leaving their house they started to abuse me on phone whenever they wanted. They cursed me and my parents for taking their son away from them.
My husband is the typical Indian male who on the first night took control of my debit card as he thinks it is his birth right. He strictly told me what not to wear.
Although these were major flaws in the attitude, he showed love towards me so I did also do the same.
I am happy with him. But with this constant verbal abuse from his parents, I feel like I’m the one who is the culprit here.
I was not ready to even extend my family with my husband but somehow I did take the decision after four years of my marriage.

I am expecting now but my husband warned me to not inform about this to his parents otherwise, he will send me permanently to my parents’ house. My subconscious is shaking me in every 2 to 3 weeks that I’m the culprit here. I feel like my child will also leave me behind the way we left his parents behind. They insulted me in every possible way but I still don't want them to be left alone in their senior years like this. But I have no control over my husband he is way more detached towards them and maximum time insensitive to their problems. Also his parents always call to either abuse me or their son they did never ask us how we are if we are fine even in corona time I was positive and when they knew about they call my husband to make fun of this. Please suggest.

Ans:

Dear MB,

Too much going on in your mind all at once. Sometimes, it helps to compartmentalize.

It seems like you are being a nice human, have tried patching things between the son and his family.

Let it alone, it is unique and it’s their battle to fight. By you getting into this, it might eventually be pointed out that you are a bad wife and a bad influence on their son.

People when in distress lose sense of logic and blame everything on the external. So, you have done your bit, in vain…now stay away from their relationship.

What is meant to be, will be. Any more interference might only harm the relationship further.

As for you, when they call and abuse, kindly assert that you will not be talked to in that manner OR simply avoid their calls till the time they ask, then say: I do want our conversations to be had with respect both ways.

As for your husband taking away your debit card; it does seem his way of exercising control which he lacks with himself in relation to his parents.

He feels helpless and him taking charge of what you wear etc is his way of establishing ground rules by being a patriarch.

Please rework this soon else this will be observed by your children especially if you have a girl child.

Your meek submission is what she will learn from you.

Just like you took your streedhan back, what you feel you have a personal association and right over, kindly take it back.

His love for you does not mean that he owns you and it does not mean you need to submit.

Of course, if it is to maintain peace for the time being, alright…but over a period of time this has to change.

Enjoy the pregnancy without bringing unwanted worries that your child will also leave you etc.

Too much of commercial movies can instil these fears. Your husband and his family made this choice to harbor animosity towards each other.

Why will your child do the same with you? There is no transference. Simply, enjoy being pregnant, focus on yourself and your child.

Think good, eat good, feel good, laugh a lot and choose what who you want around you. It affects the child directly.

Please become responsible now towards your unborn child. He/she needs you.

Be with Nature a lot, listen to calming music…your baby will thank you someday for this. So smile and get on to enjoying your pregnancy.

Be happy and all the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |856 Answers  |Ask -

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

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Relationship
Dear Anu, I have been married for 3 years. Everything is going well with my husband except there is one problem. If there is anything wrong done by his parents, he never takes a stand or protests.My in-laws are not very friendly people.After our marriage they have never tried to keep in touch with my parents or at least have the courtesy to invite once to their house. My parents have frequently tried to invite them and also tried to keep contact but nothing is achieved if it's one-sided. I told my husband about all this but he never ever tried to explain or correct them of their wrong doings.My mother-in-law had also insulted me few times raising questions on how I was brought up within the first year of our marriage. And later as well. I work and sometimes due to prolong working hours I am not able to contribute to household work. My mother-in-law started asking if at all I do any household work or whether I am always busy with my office work. She already knew that I would be working after marriage and was fine with it.Because of the lockdown we are staying with them for a long period and I am embarrassed to tell this but every day is killing me. When I stay with them I have to be a totally different person. I have to live their lifestyle which is totally opposite to how I used to live with my husband alone.Because of all the above circumstances, I am not keen on staying with them. I don't see a future where I can stay with them. I am ready to take care of them but can't stay under one roof. My husband is well aware of my feelings. But never does anything about it. Every time I tell him, he blames me that I don't want him to stay with his parents. Else he takes good care of me and is a good person. My parents also like him except this one complaint.I am totally clueless now how to make him understand because we end up fighting rather than discussing. In the long run I can't stay with my in-laws because our lifestyle doesn't match and of course the hurtful things they have done. They are not even ready to adjust rather would expect me to completely change for them. And that's what dreads me.I can't live in this way for long. It is causing me a lot of mental stress.Please provide your valuable suggestions.
Ans:

Dear SN,

Hasn’t the lockdown ended for a while now?

Why are you still with them?

What was the initial reason of moving in with them?

Does that reason still exist?

Being part of a joint/extended family system isn’t a cake walk; each person is unique and so are their thoughts and experiences and they will want the other person to live by their experiences and rules. But of course, an emotionally mature person would believe in giving space for another person grow and evolve and swim around the family dynamics. Well, it isn't the case here.

Why don’t you drop down a pros and cons list for When I move out and for When I stay here.

Weigh it down to its granular detail. Also, try and figure out why your husband is so against talking to them.

Sometimes, it maybe a minor adjustment that everyone needs to go through, but our movies and sitcoms have done enough damage to our minds where the drama looks never ending and where one party is to blame. Usually, the adjustment has to happen from both ends.

Bring this to a place where everyone gains, and everyone is happy. Maybe moving out is an option that you seek but will this go well with your husband and remember, he might do this for you, and in the long run in might end up blaming you for it. It’s complicated.

So, take time and work on the pros and cons, why your husband is against talking to them about this and also ask yourself: Have I done everything that I can to live joyfully under one roof?
You will have a path to your solution soon.

All the best!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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Dear mam, I am married for 14 yrs. Love marriage. I used to work earlier but quit because my husband was earning well and he said he will take care of me and my son. We used to be a happy couple but during the lockdown my mother-in-law and sister-in-law decided to move in with us. Slowly they started creating issues between my husband and me often badmouthing my behaviour or complaining about me. I was unaware about it until recently when we had a big fight. That’s when I realised that they have been planning to drive me out of the house and get him married to someone else whom they can manipulate. It’s been over a year now that my husband is not even talking to me properly. I went and stayed with my parents for some time but even they feel I am a burden and should adjust and accommodate instead of giving them reasons to fight. They don’t understand that all this is politics. Now my husband is talking to some girl whom I don’t like. That is causing more problems and fights between us. Anything I say is used against me now. Please help me mam. What to do?
Ans: Dear R, why did they start to create issues between you and your husband?

What led to this? It rarely happens that people go after people with no reason.

Did you have any reservations about them coming and staying over?

Did you express it in some form to them? (Ask these to yourself so that you know that any act on your part did not lead to this situation. Of course, nothing justifies their plotting to get their son married behind your back).

If the answer to this is NO, then it's time to confront your husband, get a mediator and put things on the table.

What does he want? What do you want?

Do you both want to continue in this marriage?

What are his responsibilities towards your son?

These need to be addressed without anymore delay. Being in a limbo state is not fun as it keeps you guessing and the uncertainty can cause a lot of stress.

Also, kindly sensitise your parents towards what you are going through, so that support you in this time of need.

Act NOW and whatever you decide, put yourself first and take care of you emotional state of mind.

Best wishes!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 2022

Relationship
Hi Mam, I would like to remain anonymous.I'm in a very much stressed stage of my life. I had an arranged marriage in May 2020, I had known the guy only for 3 months. I had discussed everything before marriage itself. I am an only child and my father is not with us and my mom's health is not very good. After marriage everything was fine, but after a few days like a month or so, my sister-in-law started calling my mom and asked for gold ornaments, since we got married during the covid pandemic, the wedding was held in a temple. They wanted us to get gold in that money which was spent from our side. We were planning to buy a car so that travelling would be easy for me. I was still working in my old company and my husband had agreed to the same. When we refused to give them the gold. Communication was completely nil, my sister-in-law nor my mother-in-law spoke to me, just a hi bye. My husband was ok initially, but then later he started supporting his family and said what they demanded was right. I got pregnant and I didn't want to travel during this situation, my in-laws didn't agree to send me to my mom's place. They wanted me to quit my job. My sister-in-law who was married had come here and was staying with us. She started interfering in our life, I had to consult the doctor of her choice, quit my job and my husband insisted i listen to them.We had a huge fight and I came to my house. From that day none of them called or even messaged me. I even went to the doctor with my mom. Then after 45 days we got to know that the pregnancy was not viable and it had to be aborted. When i conveyed this message to my husband, he started blaming me saying that I did this on purpose and my sister-in-law started blaming me that i had aborted because it was a girl child. I was shocked that such baseless allegations on me, I couldn't digest this. They even threatened that they'll file a police complaint on me and my family. Then they wanted to get me checked with another doctor of their choice. I even went for the check-up. The doctor said that these things are common in first pregnancy and not to worry. Even after this my sister-in-law was blaming me and my mother told me that we didn't take proper care. Sister-in-law was present at every doctor's check-up. On the final day of check-up, I was in the hospital for 1.5 hours my husband didn't come. I left thinking he'll not come. But later he called me and started verbally abusing me and my family saying that he'll file a police complaint coz we didn't wait for him at the hospital. I mean I didn't know how to react to this. He used very vulgar language. I couldn't tolerate this. I told him I will not stay with him any longer. He then again started vulgarly abusing me, calling me and my family names which is not acceptable. Now I have filed for divorce and domestic violence. He has filed for restitution of conjugal rights and his sister has filed a defamation case on me coz I said that she has deserted her husband which is true. He's demanding money which they are claiming to have given for marriage expenses and litigation charges to sign mutual divorce papers. I don't know the total amount he might ask. Mam I don't know what to do. Kindly help me take a decision. Is my decision right to divorce him?
Ans:

Dear AV,

Clearly a lot has happened and is happening which is rather unpleasant for you. This will disturb your peace of mind.

To ask me if your decision is right to divorce him is not a wise thing to do as the decision is yours to make.

You know your situation and you know what’s at stake and you also know what and how much you can take.

Firstly, hire a lawyer who is adept in dealing with cases of dowry demands and verbal abuse.

The correct step will be to narrate the situation to the lawyer as is and also tell him/her what you want to do and what you can derive financially out of the case if the divorce progresses.

Be prepared with what you want from and out of the divorce as every divorce lawyer will ask you this.

Also going prepared will cut down on the initial lawyer consultation fees. So, hire a good lawyer first.

Make sure that the initial wealth; all movable and immovable property given to you by your parents during the marriage that includes cash as well must be demanded back from your husband and his family.

You have a right over this streedhan. So, if you are filing for divorce, bear this in mind.

Secondly, to help you restore your mental health, I suggest that you actually pen the story of your married life down and each painful memory needs a release from your system.

It’s okay to be angry and spiteful towards the people involved but in the end for your own peace of mind, tell yourself that every story has an end and that instead of playing the victim, you will transform into a person who can take charge of her life and give the story a positive end.

Stop mulling over WHY it happened and move to WHAT CAN I DO NEXT.

Easier said than done? But being a problem space for too long will erode your wellbeing, so it’s wise to seek a solution.

Be brave and do the right thing. Never allow anyone to kill your spirit. All the best!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 19, 2023

Asked by Anonymous - Sep 02, 2023Hindi
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Hi Ma’am, My parents are not agreeing for my marriage with an intercaste marriage and this is not the first intercaste marriage one of cousin tried convincing their parents for 5 yrs but eventually gave up and opted for court marriage today they are very happy even their parents has also accepted the marriage. In my case , my parents are mocking me for my feelings and emotionally abusing me and have crossed all their limits. They know my boyfriend from class 10th and their family too but the only issue is with then what others will say . My mother called my boyfriend and kept on saying leave me alone and in return my boyfriend said aunty I know this is the big thing we will not take any drastic step and without your approval we will not get married and I’m willing to wait for your daughter even if it is waiting for for 5-6 yrs . We both are doing pretty good in our career we both have been so focused with out life. But after this call she kept on saying he’s very manipulative as he did not disrespect my mother and as a result of this my mother and father kept on harassing me by saying ill and foul words to me. They are so lost in their ego that I am suffering from 104 degree fever and they are ignoring this fact kept on saying foul words to me. My mother day and night she’s entering my room is saying Every second I’m giving you baddua ( wishing something bad happen to me) . I put forth my point but they are not in state of listening and somewhere very unhappy that I’m not financially dependent on them so they are keep bashing my job. I have stopped talking to them regarding this topic and just having very minimal conversation with them and I’m not misbehaving with them for this also they are scolding me they want to act normally and come sit with them.
Ans: Dear Anonymous,
Inter-faith marriages are still unaccepted in many societies and the challenges that come with it are not just with family acceptance but adapting and adjusting to different cultures, tastes etc...
Yes, on the one hand, love does not have any boundaries BUT massive changes in society have still not taken place to accept inter-faith marriages and your parents also belong to that very same society that hinders more than supports.
It has come down to a choice for you now!
Family or your Love?
If you choose Family, all will be well except you and your boyfriend. It will be giving up what you dreamed of together.
If you choose Love, you can of course live life on your terms but your family may vow to never see you again (it seems evident from all the vibes at your home).
Since, you are financially independent, you are in a better position to decide BUT it is going to be a decision that will leave someone unhappy. Who that is going to be and whether you can harden yourself with it is the question!
Now, Family and Love can go hand in hand only when both integrate which means an uphill task for both sides to negotiate, navigate and live in harmony. If this can be achieved by some neutral person bringing both sides together, please attempt this first before making a final decision. But make the choice soon, so there is a resolution either way.

All the best!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..now my dad is asing me to come home..pls suggest me what should i do ..should i run away or convince them
Ans: Dear Anonymous,
Classic emotional blackmail...this is not new and I have seen this in many households. Your parents are not wrong from their point of view as they feel they will choose the best person for you. But obviously blackmailing you with consequences like your father will die etc is childish and immature...
You are an adult and know what you are doing. But also, take your parents into confidence by reassuring them that you know what's right for you. Eventually in due course of time, they will come around...They might not too...Don't stress over it as any relationship that you enter into if it is based on what your parents wish may not be the best for you...
It's not about them but they are making all this about them...turn the attention onto yourself by talking to them about your independent thoughts, financial independence and how the boy is right for you (if of course the boy is right for you).
Wait patiently till they turn over...make this attempt with baby steps without giving into fights or bouts of arguments!

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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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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I am retiring with a corpus of 1.8 Cr in May 2024.I will be getting a monthly pension of 90,000.Please suggest investment options for my retirement corpus.
Ans: Congratulations on your upcoming retirement! Having a 1.8 Cr corpus and a 90,000 monthly pension puts you in a great position to enjoy your golden years. Now, let's talk about smart investment options to make your corpus last!

Understanding Your Needs

First things first, we need to understand your lifestyle and spending habits. Knowing your monthly expenses will help decide how much you can safely withdraw from your corpus each month.

Security and Stability

Since retirement is about enjoying life without worry, focus on a good mix of secure and growth-oriented investments. This will provide you with a regular income and the potential for future growth.

Investment Options to Consider

Here are some investment options to explore, keeping in mind your need for both safety and growth:

Senior Citizen Savings Scheme (SCSS): SCSS offers a safe and guaranteed return, with interest credited quarterly. It's a good option for a portion of your corpus.

Monthly Income Plans (MIPs): These are mutual funds that invest in a mix of stocks and debt. They offer regular monthly payouts, while also giving your money a chance to grow.

Debt Funds: Less risky than stocks, debt funds invest in government bonds and corporate bonds. They provide stable returns and are good for building a buffer.

Actively Managed Equity Funds (AMCs): AMCs invest in stocks, aiming for capital appreciation over the long term. They can be riskier, but offer the potential for higher returns if the fund manager makes good choices.

Remember, diversification is key! Don't put all your eggs in one basket. Spread your corpus across different asset classes to manage risk.

Seeking Professional Help

A Certified Financial Planner (CFP) can be a valuable resource. They can assess your needs, risk tolerance, and recommend a personalized investment plan that aligns with your retirement goals.

Regular Reviews are Important

The market keeps changing, so your investment plan needs to adapt as well. Schedule regular reviews with your CFP to ensure your investments are still on track.

Living Within Your Means

The key to a happy retirement is living within your means. Don't overspend your corpus. Plan your monthly expenses and withdraw only what you need.

Focus on Long-Term Growth

While some income is important, don't neglect long-term growth completely. A portion of your corpus can be invested in AMCs for potential capital appreciation.

Be Patient and Enjoy!

Building wealth takes time. Don't get worried by short-term market fluctuations. Stay invested and enjoy your retirement!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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Money
I am 27 years old and have investment goal of 2 crs of by the age of 31. please suggest some sip or mutual munds which is the better
Ans: That's a fantastic ambition you have! Setting a clear goal like this at 27 shows real planning smarts. Reaching 2 crores by 31 through SIPs is possible, but it requires a well-crafted investment strategy. Here's why actively managed mutual funds might be a good fit for you:

Understanding Your Risk Appetite

First things first, we need to figure out your risk tolerance. Actively managed funds are generally considered riskier than passively managed options like index funds. This is because actively managed funds have a fund manager who tries to outperform the market by picking individual stocks. This can lead to higher returns, but also comes with the chance of underperformance.

Why Actively Managed Funds?

While index funds offer a diversified, market-matching approach, actively managed funds can potentially deliver higher returns if the fund manager makes good stock selection calls. This "outperformance" can be crucial for achieving your ambitious goal within a shorter timeframe. However, remember, actively managed funds aren't guaranteed to outperform!

Building a Diversified Portfolio

Here's the key: Don't put all your eggs in one basket! To manage risk, consider a diversified portfolio of actively managed funds across different asset classes like large-cap, mid-cap, and small-cap stocks. You can also explore sectoral funds that focus on specific industries like IT or pharma.

Remember, diversification is your friend!

Seeking Professional Guidance

Since actively managed funds involve more analysis and selection, consider getting help from a Certified Financial Planner (CFP). A CFP can assess your risk profile, investment goals, and recommend a suitable mix of actively managed funds to create a personalized investment plan for you.

Regular Reviews are Key

The market keeps changing, so your investment plan needs to adapt too. Regularly review your portfolio with your CFP to ensure your chosen actively managed funds are still aligned with your goals and risk tolerance.

Remember, this is a marathon, not a sprint!

Staying Invested Matters

Don't get swayed by market fluctuations. Actively managed funds aim for long-term growth. Stay invested and avoid frequent withdrawals to benefit from the power of compounding.

Discipline is Your Secret Weapon

Consistent SIP contributions are key to reaching your goal. Even small amounts invested regularly can grow significantly over time.

Focus on Long-Term Growth

Actively managed funds are for long-term investors. Don't expect quick riches. Stay focused on your 2 crore target by 31 and avoid chasing short-term gains.

Be Patient and Persistent

Building wealth takes time and discipline. There will be ups and downs, but staying patient and persistent with your SIPs will increase your chances of success.

Believe in Yourself!

You've set an ambitious goal, and that's a great first step. With the right approach and guidance, you're well on your way to achieving it. Keep the faith and stay invested!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2170 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 07, 2024Hindi
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Money
Hi Sir, Me and my wife both are 40 years old. Together, we both earn around Rs. 2.5 lacs per month. We have around Rs. 1cr in MF and 50 lacs in Stocks. We are investing monthly SIP of Rs. 1 lacs per month.All the SIPs are equity oriented.Paying Rent Rs. 45k and our monthly expense is around 90 k (including rent). We have 2 kids ( 7 years and 2 years), one is having medical (Cerebral Palsy) Issue. We plan to buy a house in Gurgaon. What should be our Ideal budget to buy a property? Understanding 1 kid will always be dependent on us . No other EMI as of now.
Ans: Here's some guidance on your ideal budget for a property in Gurgaon:

Financial Strength:

Combined Income: Rs. 2.5 lacs per month is a good starting point.
Savings: Rs. 1.5 cr (Rs. 1 cr in MF + Rs. 50 lacs in Stocks) is a significant sum.
Investments: Rs. 1 lac monthly SIP shows strong saving habits.
Challenges:

Dependent Child: Having a child with Cerebral Palsy will require long-term financial planning for their care.
Monthly Expenses: Your current expenses are Rs. 1.35 lacs (including rent).
Considering these factors:

Don't stretch too thin: While you have a good income and savings, prioritize your child's needs and future medical care.
Target a 15-20 year loan term: This keeps your monthly EMI manageable.
Recommended Budget:

Focus on affordability: Aim for a property with a total cost (including registration and other charges) between Rs. 50 lacs - Rs. 1 crore. This translates to a monthly EMI of around Rs. 30,000 - Rs. 60,000 (assuming a 15-20 year loan term).
Location: Consider areas in Gurgaon with good healthcare facilities and accessibility for your child's needs. Explore areas like Sectors 56, 70, 84 or Gurgaon outskirts like Sohna or New Palam Vihar which may offer better affordability.
Additional Tips:

Talk to a Financial Advisor: Discuss your situation with a Certified Financial Planner (CFP) to create a personalized financial plan considering your child's needs and future goals.
Research Property Options: Look for resale flats, builder floors, or upcoming projects in your budget range. Use online portals like MagicBricks or NoBroker to get an idea of prevailing prices.
Factor in Additional Costs: Remember, there are additional costs besides the property price – registration charges, stamp duty, maintenance fees, etc.
Best Regards,

K. Ramalingam, MBA, CFP,


Chief Financial Planner,


www.holisticinvestment.in

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Hii.. i feel totally stucked in life...not only me my husband too feel helpless. We both don't know what to do in such situation. The problem is we have a son who is 22 yrs old, doesn't want to work; wants to stay at home on pretext of preparing for any exam. He is not even studying at home. We can clearly see that but he refuses to go out for work whether at his own shop or for a job. We have given him enough time to stay at home for studies but every year there is different exam for which he wants to prepare. He doesn't study sincerely at home. At least 5-6 years have passed. He's not even attending his regular college for studies. All he wants is to stay at home. He refuses to step out from his comfort zone and has become too aggressive and abusive. Please guide us what we can do to motivate him to work. Thank you.
Ans: Dear Anonymous,
Clearly your son has gotten used to all the comforts at home. What is the necessity to do anything?
Also, I suspect that writing one exam or the other is a way of escaping from what he truly wants to do in life. He is unclear and afraid to face what he might want and afraid that he might fail. This fear of failure will simply make him write one exam after the other in the hope that he does not have to decide what he needs to do.
Kindly take him to a Career Counselor who can evaluate his strength areas and suggest an academic course that is suitable for him. After which seek an appointment with a professional who can streamline his thinking and put him on a goal-focused path. This might help him.

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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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 03, 2024Hindi
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Relationship
To start with i live abroad . I was married in 2009 with 1 kid and divorced later in year 2017 abroad only as i got into a new love relationship and married after 1 yr with no kids my present wife knows about my past and moreover we trying to have baby but due to medical conditions and diabetic myself unable and have to hear negative things she is working well and independent but due to all this i befriended another girl and had developed a feeling towards her and had relationship with her as well she knows about that i am married but cant leave my gf want to marry her we had good communication as well between us but at times we fight due to issues that i am married still not divorced and moreover she doesnot know about my 1st marriage either sometimes i feel embrassing whag ppl will think of me i am tired of my life being the only child of my mom i cant do anything as she is too old 85 yrs and heart patient. I am 42 currently married with wife 41 yrs age but seems lost interest in her and often fight shd doesnt live with me as i am away for 3 years and goes home 1 a year. The new gf is 35 yrs old but dont want to lose her we have been to nany trips together in about 5 to 6 countries . I am having mentally stress what to do sometimes feel to end up my life
Ans: Dear Anonymous,
I don't mean to sound judgemental here...but what exactly are you stressed about? You seem to be hopping about from one relationship to another without working on things when they get stressful.
Did it occur to you that when things sour between two people that it is possible with some effort to work on things? The answer does not lie in running away and jump into the arms of another women.
There's a clear pattern of possible 'escapism' when things get uncomfortable...So, STOP and reevaluate what you are running from, what comfort do you run towards and how is this actually helping your mental state...
Do the right thing for yourself and your wife...take care of your marriage first before jumping into another relationship; you will only find something wrong with that as well...So, please STOP and check what exactly is happening...

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

...Read more

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