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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 19, 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
Debajit Question by Debajit on May 04, 2023Hindi
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Relationship

Hello ma'am..i am 44 years married for the last 3 years with a 3 year old kid..my problem is that my mother and my wife don't get together at all which has made my life hell...both love me however. Please help.

Ans: Dear Debajit,
A challenge that many homes have!
Well, you can't ignore both, yet you can't support either of them.
Aren't they both adults? So, why are you getting in the middle of things caused by them? The more you try and mediate, the more they get dependent on you to play the mediator but unfairly wanting you to support only them.
Grow out of this and the next time, they come to you complaining about the other, politely tell them to deal with it themselves. Initially, they will protest and accuse you of not being on their side...stick to it...
By enabling them to deal with their dirt themselves, they will also realize how draining it has become and some of the pettiness might go away. What remains is the bigger issues which they will come to an understanding as well.
Will all this take time? Yes, and it requires no interference from you whatsoever even if they don't talk to each other for days and weeks.
Relationships are unique and they belong to the people involved and under no duress must you be made to suffer, as this will become the norm and you can go through it for a long, long time. So, act wisely...enable them to handle their issues...

All the best!

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Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 24, 2023

Asked by Anonymous - Oct 23, 2023Hindi
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Because of my mother my married life is falling apart.. my mother does something purposely which hurts my wife and then quarrel starts. I pleaded my mother not to do so many times but she doesn't understand what we are loosing. I don't want to loose any of them family. Pls advice what should I do.
Ans: I'm sorry to hear that you're facing such a challenging situation. Balancing relationships with both your mother and your spouse can be difficult, but it's essential to find a way to create harmony. Here's some advice on how to handle this situation:

Communication: Open, honest, and empathetic communication is crucial. Sit down with your mother and your spouse separately and discuss the issue. Let them both know how much you care about them and the impact their conflicts are having on your life.
Set Boundaries: Clearly define boundaries with your mother and your spouse. Discuss what is acceptable behavior and what is not. Make it clear that you expect respect and kindness toward one another.
Counseling or Mediation: If direct communication doesn't resolve the issue, consider involving a neutral third party, such as a family therapist or counselor, to mediate the conversation. They can provide guidance and facilitate a constructive dialogue.
Prioritize Your Spouse: Your spouse should be your primary concern when it comes to your immediate family. Make sure your wife knows that you support her and are taking her concerns seriously.
Support Your Mother's Transition: If your mother's actions are rooted in a sense of loss or fear of losing you, reassure her that you still love her and that your relationship with your spouse doesn't diminish your love for her.
Time and Patience: Resolving family conflicts can take time. Be patient and persistent in your efforts to mend the relationships.
Self-Reflection: Reflect on your role in the situation and ensure you are not unintentionally contributing to the conflicts. Sometimes, small changes in your behavior can make a big difference.
Establish Separate Boundaries: If necessary, you might consider setting boundaries that involve keeping your mother and spouse apart if they can't peacefully coexist.
Remember, it's crucial to strike a balance and prioritize your spouse and immediate family. While maintaining a relationship with your mother is important, your marital relationship should come first. Seek professional help if the situation doesn't improve, as a therapist can provide guidance tailored to your specific circumstances.

..Read more

Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 01, 2024

Asked by Anonymous - Jan 16, 2024Hindi
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Relationship
Hi I am 64 years old. Still workig in a Private company. My mother is 85 years old and she is with me since my father's death in 1985. I have lost my brother in an accident in 1985. I have three sisters all are living in my city only. My mother is almost bedridden. My wife, 62 years old is a heart patient and recently she has fallen and her knee got fractured. My wife and my mother never liked each other and always quarrel. My mother , being very week and helpless, always scolds my wife. We have made an arrangement with a catering guy who takes care of my mother's lunch. But dinner i have to prepare everyday which i have been doing for the last 20 years. My three sisters often come to visit my mother and give her fruits etc etc to please her. The problem is they agree to keep my mother in their homes once in while for two or three days but i have to beg them always when i have to go for any functions or to visit places , temples. But they never come forward to support me even if i am sick or if i have to attend any marriages, functions. This gives a scope for my wife to quarrel with me and many times we have cancelled our tickets just to be at home to look after my mother. Please tell me what to do do. I am also becoming old and want to take my wife with me to attend functions and to show her the places, as a husband. And my wife always quarrels with me that if at this age when we are able to walk and capable of going to places, when can we go ? I am not able to convince my three sister(elder one is already bedridden so i can not ask her )_ nor i am in a position to do justice to my wife's pleas. Please suggest me.
Ans: Hello Sir,
It's clear that you're facing a challenging situation, juggling responsibilities between your elderly mother, your wife, and your own desire for some personal time. Balancing these caregiving responsibilities while maintaining a healthy relationship with your wife can be emotionally and physically exhausting. It's essential to find a balance that works for everyone involved, including yourself. Seeking support from your extended family, exploring professional caregiving options, and prioritizing open communication can contribute to finding a more sustainable and harmonious caregiving arrangement. Have an open and honest conversation with your sisters about your situation, expressing your need for support. Emphasize the strain it's putting on your relationship with your wife and the importance of having some time for yourselves. Consider organizing a family meeting where you can discuss the caregiving responsibilities and come up with a plan that works for everyone. This can help distribute the load more evenly and address any concerns or misunderstandings Explore the option of hiring a professional caregiver or nurse to provide assistance to your mother. This could ease the burden on you and provide a more structured care plan for your mother's needsTake care of your own health and well-being. Work with your sisters to establish a schedule for them to take turns caring for your mother. This way, you can plan your personal time in advance and ensure that your wife's concerns are addressed. Ensure you are not neglecting your physical and mental health in the midst of caregiving responsibilities.

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2024

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Relationship
Dear Anu, My son is 17years and has a affinity towards his mother it seems. Whenever i ask any questions about his studies and plans he shouts at me and misbehaves. I have stopped talking to him because of this. I don't know whether he likes me or not. He seems very content with his computer and his friends.. How can i build a relation with him. Also same with my wife. She does not talk to my parents neither to nay of my relatives. I tried on many occasions to make her realize that this is not okay. My Father is 82 and is longing to talk to her and stay with us...I do not know what is the issue with her. I do not abject to anything she does. How can i convince her...
Ans: Dear Trilok,
Why are you so intent on making people be with you or like you? If they don't see value in you, it's their misfortune maybe. This is one line of thought.
Another line of thought could be: Are there other ways of actually connecting with them? You son perhaps may bond better with you over a sport that the two of you can play BUT may connect with his mother over a conversation. Do not expect the same kind of connection...he's your son...rather than complain about what's not happening, how about trying a different approach and make things happen. See what interests him and bond with him on that!
Now with what your wife does...you really must find out what makes her not want to talk to your father. Maybe instead, you can invite your father to stay and encourage a conversation between him and your wife. And please don't form an opinion that just because your wife refuses to talk to your father, your son refuses to talk to you. It's two very different situations...

Stopping to talk to your son or wonder what's wrong with your wife only means that you have managed to externalize the issue and you will soon find reasons to blame them for a failing relationship. Instead assume charge and do what it takes to bond with your family...it works!

All the best!

..Read more

Rishta

Rishta Guru  |7 Answers  |Ask -

Rishta Guru - Answered on Feb 14, 2024

Asked by Anonymous - Feb 13, 2024Hindi
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Relationship
I have had an arranged marriage two years ago. My wife was chosen by my mother but now they just don’t like each other. They have nothing in common and are different in every way. I lost my father when I was a child and my mother has brought me up alone. I have no siblings. I love my wife and I love my mother. I want us to stay together as a happy family but I cannot bear the constant arguments and angry words in our home. What should I do?
Ans: Hi there. Thank you for writing in.

I can see that you're feeling distressed, caught between the two most important women in your life. This situation requires delicate navigating, open communication and prioritising your own well-being.

Every family is unique and there's no one-size-fits-all solution. Focus on understanding, respect and finding common ground.
Remember that your wife has come from a different family and is trying to become a part of her new one. She is readjusting every aspect of her life.

At the same time, be respectful of your mother’s beliefs and needs.

Remain patient, communicate openly and seek support when needed.

Here are some suggestions that might help:

a. Open and honest communication

1. Talk to your wife calmly about the situation.

Share your concerns about the tension and express your desire for peace and happiness.

See if she's willing to try to build a more amicable relationship with your mother, even if they don't become best friends.

Encourage her to show respect to your mother while maintaining her own boundaries and identity.

2. Do the same with your mother. Express your love and gratitude for her efforts but also your discomfort with the ongoing conflict.

Encourage her to try understanding your wife's perspective and consider setting boundaries to allow each other space.

b. Focus on respect and understanding

Encourage both your wife and mother to recognise each other's strengths and differences.

Remind them that while everyone does not need to get along perfectly, respect is essential.

Encourage them to focus on appreciating each other's qualities and contributions to the family.

A harmonious family environment benefits everyone, including the next generation (if any).

c. Setting boundaries

Discuss and establish clear boundaries with both your wife and mother regarding acceptable interaction and communication styles.

This could involve avoiding certain topics or having separate conversations when tension arises.

d. Consider involving a trusted elder to mediate between your wife and mother.

e. Remain open to finding compromises that consider everyone's needs and comfort levels.

This may involve adjusting living arrangements, sharing household responsibilities differently or finding common ground about shared activities.

f. This situation won’t have a quick fix so be patient and consistent in your efforts.

Focus on individual accountability; encourage both your wife and mother to take responsibility for their actions and communication styles.

Prioritise respectful co-existence. While a close relationship may not be possible, respectful co-existence is crucial for a peaceful family environment.

Remember, you cannot control their behaviour, but you can control how you react.

..Read more

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

...Read more

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me
Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

...Read more

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

...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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