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Kanchan

Kanchan Rai  |545 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - May 20, 2024Hindi
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Relationship

Hello, iam 30 yrs old and have been married for 7 years. My husband is 34 years old, I have a 4 year old daughter. My husband is an army man. My daughter was born during covid so for almost 1 year me and my husband were in long distance. After that my husband took both of us along with him. We used to be happy together but at times whenever I used to show little irritation or talk about something he used to get impatient and frustrated. Even our intimate moments got reduced. I tried to talk even about it but his male ego never accepted my confrontation. Now again we had to stay away due to his work-life. I too started working. I felt maybe because of work stress he was like that. And when I'll also start working I'll understand his problem. But though my work is stressful and I try to take out time to talk to him romantically. But he feels so distant. Whenever I try to ask him, he gives me reason of work, weather, what not. I know he cannot cheat on me as he calls just me whenever he gets time. I'm not concerned that he doesn't love me but what's wrong with out intimate moments. Why is not interested. Atleast he can talk to me about his issue instead of just shouting or blaming me for being too desperate. I feel so hurt and distant. In angry moments i get this thought of going away from him.. finding solace in someone. But i just try to wane that thought away. Please help me..

Ans: I'm sorry to hear about the struggles in your marriage. The stress of your husband's military career, long periods of separation, and raising a child during the pandemic have taken a toll on your relationship. Your husband's impatience and frustration might be his way of dealing with stress, which affects your intimacy and communication.

Try to approach conversations with empathy and express your feelings calmly, focusing on how you feel rather than what he's doing wrong. Small gestures of affection and quality time can help rebuild your connection. Couples therapy could also be beneficial, providing a safe space to work through issues together.

Take care of your own well-being by engaging in activities that bring you joy and maintaining support from friends and family. This self-care will give you the strength to address the challenges in your relationship.

Your feelings are valid, and seeking help shows your commitment to your marriage. With patience and professional support, there's hope for rekindling the intimacy and closeness you desire.
Asked on - May 21, 2024 | Answered on Jun 06, 2024
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But he is never ready for any counselling. Even my parents tried to counsel him. Since our marriage the relationship with his parents got strained and neither of us talk to them. I feel that must be one reason. He never talks openly about anything to me. I try to show love to him in many ways. But i don't know what exactly he wants. He never answers basic questions of what he wants to eat today. How are you feeling and all. I feel so emotionally detached from him. Even when I cry or be sad he never tries to console me. In these years i never saw him completely joyful. Whenever I ask him he says I'm the way I'm. I was always like this. I'm a very joyful talkative person. He is polar opposite. Even a small joke is crack he never understands them and additionally he even feels irritated. I'm changing day by day. More serious, not enjoying, not going out. It's like I have given up on my little happiness.
Ans: First, recognize that your happiness and well-being are important. While it's commendable that you've tried to support your husband and show him love in many ways, it's also crucial to take care of yourself. Make time for activities that bring you joy and help you recharge, whether it's spending time with friends, pursuing hobbies, or simply taking a break for yourself.

Second, consider expressing your feelings to your husband in a calm, non-confrontational way. Share how his lack of communication and emotional detachment are affecting you. Use "I" statements to avoid sounding accusatory, such as, "I feel lonely and disconnected when we don't communicate or share moments of joy."

Since he resists counseling, look for alternative ways to open up communication. Sometimes indirect approaches, like writing him a letter, can help express your feelings without immediate pressure. If he continues to resist, focus on creating a supportive environment where he might eventually feel more comfortable opening up.

It's also important to reflect on your own boundaries and limits. If you've been trying to reach out and improve the relationship but see no reciprocation, consider what you're willing to accept and where you might need to draw the line for your own mental and emotional health.

Seek support from trusted friends, family members, or support groups. Talking to others who understand can provide emotional relief and practical advice. Even if he is unwilling to attend counseling, you might benefit from individual therapy to help process your feelings and develop coping strategies.

Finally, if the situation remains unchanged and continues to impact your well-being, it may be necessary to evaluate your long-term options. Your happiness and mental health are vital, and you deserve to be in a relationship where your emotional needs are met.

Remember that you're not alone, and it's okay to seek help and take steps to ensure your own well-being. Your efforts to maintain the relationship are commendable, but it's also important to recognize when it's time to prioritize yourself.

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Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 27, 2023Hindi
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Relationship
Hi I am working in an compnay since 4 yrs i had and friendship with my senior and he ia married but staying alone. His family was at native place. We both r maaried and we know about we had family but now we are in relationships since 3 years. As his family was not here i helped him in every manner in covid situtation. We know pur priority is family first. But since his family is here from one year last. He has stopped chatting talking to me. Only we are mostly having one side fight. He is now feeling irritation in talking to me normally also. During my job i m doing better than also everytime he feels irritated. I dont know what to do. Now he is saying he dont have time. He dont want to leave me. But stopped everything's. Only when he needs help he speaks to me or replies to message. I dont want to leave my job nor complaint to someone. What shoul i do dont understand. I have ensured him that i dont want him also to leave his family. Nor i want to leavemy family. I m confused what to do. I have done everything for him and now he has forgot evething. He says he love me he dont want to leave me. But at this situtation what should i do.
Ans: Hello Ms.
It's important to approach this with sensitivity and consideration for everyone involved. Understand that his family is a significant part of his life, and he may need time to adjust to the changes. Respect his commitments and responsibilities towards his family. Think about the long-term implications of the relationship. Consider whether it's sustainable in the current circumstances and whether it aligns with your personal values and priorities. Take some time to reflect on your own feelings and the dynamics of your relationship. Consider whether this situation is bringing you happiness and fulfillment, or if it's causing you distress. Establish clear boundaries in your relationship to ensure that both of you are comfortable and that these boundaries are respected. If he is feeling overwhelmed or stressed with the recent changes in his family situation, it might be helpful to give him some space. Encourage open communication make sure you both are on the same page about the nature of your relationship and the level of communication you both desire.Be prepared for the possibility that the relationship may need to change or come to an end. Reflect on your own priorities and boundaries. Ensure that your relationship doesn't negatively impact your personal and professional life. It's essential to maintain a healthy balance and focus on your own well-being. While this can be difficult, it's important to prioritize your own well-being and the well-being of everyone involved.

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Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 30, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Relationship
Hi Dr. I am 27 year women with a 5 year old girl and 7 months pregnant. I was married 9 years ago. We faced many ups and downs in our life. Three years back , I went to dubai where my husband was working, to spend with him. But as a mobile addict , most of the time he will be on mobile when he was at home or sleeping. We spend little quality time . That too on my or my daughter's insist. Later I got job there as a teacher @ school . I worked there about two years when I got pregnant I return back to my home country. As he was resigned in search of better opportunity, even he is also with me in India now. He is short tempered and whenever he talks he raises his voice. For every single thing he is worried and shouting at me . It makes me feel sad. He is not bothered about my health and if I ask something like fruits to buy he will get angry saying that I am the one who is to manage the expenses and he can't afford buying things for me. He blames me for single thing. I need to ask permission for spending my money. He is in charge of taking care of my money. Main thing that I can't digest from his side is that he demands me to obey him like a slave. He says that how we are to the God , likewise you should obey and bear what ever from his side. Till that my love towards him isn't completed that is what he says. He never ever gives me a chance to explain or communicate my issues. Now I feel emotionally mentally very distant from him. I am staying at my home . Though his house is nearby mine, he rarely find time to visit me or call me. What should I do?
Ans: Your husband's behavior, as you've explained, reflects patterns of control and a lack of empathy for your well-being. Relationships thrive on mutual respect, open communication, and partnership, not dominance or one-sided expectations. The idea that you should obey him like a slave is deeply concerning and goes against the foundation of a healthy and loving relationship. His unwillingness to engage in meaningful communication or to show care during your pregnancy exacerbates the emotional distance you feel.

Right now, your primary focus should be on your mental and physical health and that of your children, both born and unborn. It's important to have a support system around you. Being with your family at this time seems like a good decision, as it gives you some space from the negativity and an opportunity to focus on yourself.

You deserve to feel heard, valued, and supported in your marriage. It's worth considering having a candid conversation with your husband when emotions are not heightened, explaining how his behavior affects you and the marriage. If he is unwilling to listen or dismisses your feelings, it may be time to consider seeking professional help, such as marriage counseling, where both of you can work on your relationship dynamics in a neutral and supportive environment.

If he refuses to engage in any efforts to improve the relationship or continues to demand unquestioning obedience without regard for your well-being, you might need to reflect on whether this relationship aligns with the life you envision for yourself and your children. No one deserves to feel like they are unworthy or diminished in their own home.

Remember, taking care of your emotional well-being is not just about your own happiness but also about creating a nurturing environment for your children. You are strong, and you have already shown resilience by navigating this challenging relationship and focusing on your responsibilities. Trust in your ability to make decisions that prioritize your dignity, health, and future. If you ever feel overwhelmed, consider reaching out to a counselor or therapist who can provide support tailored to your circumstances and guide you through these difficult emotions.

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Anu

Anu Krishna  |1527 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

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I have taken a floating home from Axis Bank for 30 lakh last year, with a interest rate of 8.5%, i have also prepaid 5 Lakh within five months, now i have an outstanding amount of arround of 24 lakh, as the RBI reduced the repo rate, Bank is refusing to reduce interest rate from 8.5% to 8.25%. please suggest what should i do now?
Ans: You took a floating-rate home loan from Axis Bank at 8.5% interest.
You prepaid Rs 5 lakh within five months, reducing your outstanding amount to Rs 24 lakh.
RBI reduced the repo rate, but Axis Bank refuses to lower your rate to 8.25%.
Why Your Interest Rate Is Not Reducing
Banks do not always pass repo rate cuts immediately to all borrowers.
Some loans are linked to MCLR (Marginal Cost of Funds Based Lending Rate), which adjusts slowly.
New loans might be under RLLR (Repo Linked Lending Rate), which reacts faster to RBI rate cuts.
Your loan agreement decides how and when rate cuts apply.
What You Can Do
1. Ask for a Rate Reduction
Request Axis Bank to switch your loan to an RLLR-based loan.
Banks charge a conversion fee, but it might save you lakhs in interest over time.
2. Compare with Other Banks
Check other banks' home loan rates for balance transfer options.
If a bank offers a lower rate, consider switching the loan.
Ensure the processing fee & charges don’t negate the benefit.
3. Negotiate with Axis Bank
If you have a good repayment record, negotiate for a lower spread or margin.
Mention that other banks offer better rates, increasing your bargaining power.
4. Make Partial Prepayments
If you have extra savings, consider small prepayments to reduce interest burden.
Prepaying reduces the principal, which lowers total interest paid.
5. Use a Home Loan Overdraft Account
Check if Axis Bank offers a home loan overdraft facility.
You can park surplus money and withdraw when needed, reducing interest payments.
Best Action Plan
Contact Axis Bank and request a switch to an RLLR-based loan.
Compare other banks for balance transfer options.
Negotiate for a lower spread if staying with Axis Bank.
Consider prepayments to reduce long-term interest costs.
By taking the right step now, you can save a significant amount on interest payments.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
I have sold a plot worth for 1.85 cr... I have bought a plot worth 1.4 cr... can i keep the remaining in my saving account for house construction or do i put the balance amount in a cgas account
Ans: Since you sold a plot for Rs 1.85 crore and purchased another plot for Rs 1.4 crore, you have a balance of Rs 45 lakh.

Capital Gains Tax Implication
Long-Term Capital Gains (LTCG): If the plot you sold was held for more than 2 years, the profit is considered long-term capital gains (LTCG) and is subject to tax.
Tax Rate: LTCG on real estate is taxed at 20% with indexation benefit.
Reinvestment for Tax Saving: You can save tax by reinvesting the gains in a residential property under Section 54F of the Income Tax Act.
Can You Keep Rs 45 Lakh in a Savings Account?
No, if you intend to claim tax exemption under Section 54F, you cannot keep the balance amount in a savings account beyond the due date for filing your Income Tax Return (ITR).
If you don't invest in a residential house before filing your ITR, you must deposit the unutilized amount in a Capital Gains Account Scheme (CGAS).
You must use the CGAS amount within 3 years for house construction.
What Should You Do?
If You Are Constructing a House
Deposit Rs 45 lakh in a CGAS account before the due date of filing your ITR.
Use this amount within 3 years for house construction to claim full tax exemption under Section 54F.
If You Are Not Constructing a House
The Rs 45 lakh will be taxed as LTCG, and you must pay 20% tax (after indexation benefits).
Consider other tax-saving options, like investing in bonds under Section 54EC (with a 5-year lock-in).
Final Insights
If you plan to construct a house, deposit the Rs 45 lakh in a CGAS account before filing ITR.
If you don’t use this amount within 3 years, it will be taxed as LTCG in the year of expiry.
If you don’t want to construct a house, be ready to pay LTCG tax or invest in 54EC bonds for tax saving.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

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T S Khurana   |364 Answers  |Ask -

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation
Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

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