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Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2025

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
Asked by Anonymous - Feb 05, 2025Hindi
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Hello, I'm a female (30). I got married in dec 2023. My husband was very particular with sharing all the bills equally and I agreed with it but after 2months of marriage he started asking me pay his EMI's which is more than 65k/m or take his home loan entirely on my name. This loan was taken before marriage. I refused to pay his loans, then he started emotionally abusing me. He calls me names, body shames me and compares me with other girls and says he deserves better. He says every other wife out there is better than me and me and my family doesn't give enough gifts to him like other families.He never helped me with any household chores despite both being employed and sharing equal bills. He asks to give him my entire salary but I can't do it because I took out a personal loan for my parents before marriage which I have to pay 75k/m . My husband was not aware of this. I want to file for a divorce but my parents are adamantly refusing to agree even though he know what kind of person he is and is even blaming me saying I do not know how to adjust and maintain a marriage. What should I do?

Ans: Dear Anonymous,
Any reason or anything that triggered him to demand that you pay up? Is this his way of testing if you also have commitment towards him and not just your parents (since you are paying their EMIs)?
Instead of being a life partner who shares their partner's choices from before the marriage, he has become someone who thrives on emotionally hassling you. What I see as red flag in his behavior is the fact that after agreeing to one thing before, changing stance later...WHY?
Then crying foul by abusing etc...WHY?
Honestly, check with yourself if he is indeed going to be a life partner who can share burdens, support and care for his spouse! If there's a doubt there, consider your options wisely as this person can hold onto money very tightly.

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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Kanchan

Kanchan Rai  |555 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Aug 21, 2024Hindi
Relationship
Hello, I am from a good educated family in Dehradun. I got married 3 years back in an arranged marriage setup through a mediator in Meerut. My husband has a small sportswear factory above his home only and mostly he is at home. I have a widowed MIL and SIL who is married just a year before me. There were problems in my marriage from the very beginning but my parents and me were too naive to see the red flags. They had demanded 20lakh cash and also my parents had given them lot of gold silver items which my MIL has withheld and says I have taken everything and my husband also supports her everytime. He is a mumma's and sister's boy and lies to me all the time. He does not value my opinions and expects me to obey him and his mother. He verbally abuses too much which he did not disclose before marriage. I left my job before marriage as my parents were finding a match for me from past 2 years but were fed up so there desperation got me married here in Meerut. They mentioned there income as 20-25lakh in biodata but I still don't know the real income of my husband. He says he has taken loan from his mother and is in her debt and says all the time that his, his mother and his sister's bond is unbreakable, without me asking. From beginning I was not treated like a family member but they just instructed me what were my responsibilities of cooking and handling house and bowing down to her sister and brother-in-law. My husband never stood up for me in beginning. One night he became so abusive that he twisted my hand and verbaly abused my family so much. I in fear called my mother and they took me back. I filed a case against him and we stayed separately for around 1.3 years. That was a horrific time for me and my parents, going to courts and they never appearing once. I started online MBA and small job side by side to bear my expenses as my husband was not supporting financially at all. He was not ready to give back our money or jewellery and just saying he wanted to stay with me, but I did not wanted to go back to that house. His mother created too much drama in front of him and foul language was normal in that house. After a counselling session I arranged, which he was not ready to attend but I convinced him, we decided to give it another chance as he apologised to me and my parents. and I also thought about my future which would impact my family and younger sister as well. So his family came to our house to take me back and welcomed me nicely this time with bouquet and my husband decorated our room with balloons. 3-4 months it was all well, they behaved nicely, I ignored small things his mother said or did. I tried to recreate the bond with them, but there rude behaviour returned. His mother's insecurity is impacting me and my husband's relation so much, that he ignores my needs for her and does not see I'm in pain even if I tell him. I am filled with anger and frustration now and when I share it with my husband, he blames me for overthinking and verbally abuse me sometimes for destroying his life. I am going in depression due to this and unable to focus on my studies or any work. Due to this stress I don't feel like staying in that house and frequently visit my parents house, but my husband does not let me live in peace here also, he keeps verbally abusing and taunting me for staying at my parents so much and tells me he cannot come every second month there in a very rude abusive tone. I am fed-up of his dual attitude, one day he showers so much love, next day he gets so out of control. With rest of the world he is so sweet and shows he loves me so much, which has brought me in a bad light to think so bad of him. My problems are everyday little problems for them which I should bear. Currently I am 7 month pregnant and at my parents home. He beared my meds and doctor expenses there, but keeps on reminding me this that he has done this, he brought an almira for me after so many months of me begging him because they did not had any basic amenities arranged for me beforehand. My parents gave automatic washing machine, and few more new items during marriage but no gratitude for anything, instead they keep telling me they got almira for me, put khanewali for me as if they are not eating that food. I had cooked full 3 time meals and serving them on there bed, still they say 'kuch ni karti, kamre mei rehti hai. mumyji ke sath ni baithti, iske lie ye kardia, ghuma ke late hain' or meri kamiya ginate rete hain. They do not tell full truth, what me and my parents have done for them. My husband does not know proper English also and thinks himself no less than a king. His mother and sister enables his bad behaviour and laugh it off. I am worried for my future now as now a kid is involved. I had left my job again to go back as everyone told me to focus on mending relations first. He does not seem to care much for the baby also. When I tell him I have a headache, he tells me he has more headaches and responsibilities than me. Never really understood my feelings or cared genuinely. Mostly worried about money. All financial assets are in his mother's control so he has to bow down to her tantrums, and expects me to do that as well. She keeps showing him how sick she is, but goes to kitty parties and my husband takes her mostly everywhere with us on vacations. If me and my husband go even on a 2-day trip, my husband keeps video calling her because he knows her insecurity. She also keeps saying things like, 'tere bina pal pal katna bhari hora' like a couple talks. But if my SIL goes on 6 day trip with her husband, then she is very happy and tells them to enjoy. This gives me chills and spoils my mood everytime. My husband knows it yet he does not say or do anything about it. But I cannot continue like this, I feel suffocated and stuck many times, not knowing if I even belong here or not. My husband feels spending money on counselling is a waste so he will not take it now. Pls guide what should I do next. Can this relation be saved or not?
Ans: Since your husband is unwilling to attend counseling, consider seeking therapy for yourself. A therapist can help you process your emotions, build resilience, and identify what you need to feel secure and valued. Your emotional well-being is crucial not just for you but also for your baby, as stress during pregnancy can have long-term effects.

Open communication is essential, but it seems your husband is dismissive of your concerns. Try one last time to have an honest conversation with him. Clearly express your feelings and the changes you need to see for the relationship to work. Focus on specific actions, like setting boundaries with his mother, reducing verbal abuse, and showing emotional and financial responsibility.

If these conversations don’t lead to meaningful change, you may need to consider the long-term implications of staying in this environment. Living in a toxic household can have a profound impact on you and your child. If leaving feels like the safest option for your mental and physical well-being, work with your family to plan a way forward. This could involve legal steps to secure your rights and ensure support for your child.

Your efforts to mend the relationship show your commitment, but it’s vital to remember that a healthy marriage requires mutual respect and effort. If your husband and his family are unwilling to meet you halfway, prioritizing your own peace and stability might be the best decision for you and your baby.

..Read more

Kanchan

Kanchan Rai  |555 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025
Relationship
Hi sir I don't know from where to start but it happened in this way ,I was from a reserved family with orthodox thinking.so I did love marriage in other caste (we were classes friends)after 17 years I am realising that my husband wants to dominate me ,he talk to me in bad way,he shouts on me ,he let me work but he ask money whenever he needs n pay me nothing. He trigger me in small thing, give me taunt n his mother n sister supports me .I am living in my mother in law house n I have two sons .This mental harassment is increasing day-by-day. He never paid for any of my expense.I m scared what to do to leave him n live my life or to live with him n ignore .what society will say .what to do I don't know. Feeling trapped pl suggest me what to do?
Ans: it's important to recognize that your well-being and safety, both emotional and physical, are paramount. No one deserves to be treated with disrespect or to live in an environment where they feel demeaned or controlled. The constant shouting, taunting, and lack of financial support are serious issues that should not be ignored, as they can significantly impact your mental health and sense of self-worth.

Your feelings of being trapped are compounded by societal expectations and the fear of judgment. However, it’s crucial to remember that society’s opinions should not dictate your happiness or well-being. Living in a situation where you’re constantly subjected to mental harassment can have long-term detrimental effects on your mental health and overall quality of life. It’s natural to fear what others might say, but your peace of mind and the well-being of your children should take precedence.

The support of your mother-in-law and sister-in-law is a positive aspect, but it seems that your husband’s behavior continues to be a source of distress. It’s essential to have a candid conversation with them about your feelings and explore whether they can help mediate or influence change in his behavior. However, if his actions persist and there’s no willingness on his part to change or seek help, you might need to seriously consider your options.

If you’re contemplating leaving, it’s important to plan carefully. This might include seeking legal advice to understand your rights, especially concerning your children and financial support. You could also consider reaching out to a counselor or support group for emotional guidance, as they can provide you with the strength and clarity to make decisions that are best for you and your sons.

Ultimately, the decision to stay or leave is deeply personal and should be made based on what you believe will bring you the most peace and stability. It’s not an easy choice, and it requires a lot of courage and self-reflection. Remember, prioritizing your well-being and creating a healthy environment for yourself and your children is not selfish—it’s necessary. Whatever path you choose, know that you have the right to seek happiness and to live a life free from harassment and control.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Career
Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.
Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

...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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