Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2024

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 - May 14, 2024Hindi
Listen
Relationship

Hello This is Mr kumar S/o Smt Rani, I need advise for My mother, she get angry often, she don't speak out with us openly what is going in her mind but she burst out once in a week or somtimes after two weeks, one thing that i know is that she is obsessed with child from me and my wife, one day She burst on my mother-in-law for us not having child. She is very obsessed with kitchen as well if my grandmother try to cook something in the kitchen she will come in between and start verbal fight with her sometimes they both get physical as well, If i say that lets go to doctor she denies. She says she is alright, she just need love. She is very competitive with my siblings, she says she want child before my cousin. Me and my wife are not ready for that yet can you suggest some solution. Should we take some doctors

Ans: Dear Anonymous,
The choice of when you want to have a child must be left to you and your wife. The rest of the parade can have their own dreams around it, drama around it and add characters to that drama as well.
You choose if wish to be part of that drama or not...If NO< then IGNORE what's happening...And wll, your mother's temper tantrums can also be hers alone...It's like you ignore a child for throwing a tantrum in public, after a few times, the child learns that it has no effect on the parent!
Do the same with your mother...Her anger is only her way of complaining about something that she is unhappy about! You will have to teach her to express herself better and in a calm manner but the start step is to ignore, so that she stops and notices something different and then she may be willing to look within and change...
So, IGNORE the drama for a while...

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

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |405 Answers  |Ask -

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

Asked by Anonymous - Oct 23, 2023Hindi
Listen
Relationship
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  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 23, 2024

Asked by Anonymous - Sep 22, 2024Hindi
Listen
Relationship
Hello madam , my mother is too much obsessed with kid from me and my wife it's been 6 months of our marriage, she always compares with my siblings, but my situation is different but she is not understanding, I have already told her that I will let you know when we will plan please don't force but she is not understanding, now this month my wife got periods she went so upset and started blaming my wife that you must be taking some pills, we will go to doctor for checkup , Madam please advise how to handle her I am fully tired of her I don't know what to do I am not able to focus on my work
Ans: What’s really crucial here is that you and your wife stay united in how you handle this pressure. It’s essential that your wife knows you are fully supportive of her, and that you both are on the same page regarding your family planning decisions. If she feels that you’re standing by her side, it can help alleviate some of the stress she’s likely feeling from your mother’s constant comments and expectations.

When it comes to your mother, it may be time to have a firmer, more honest conversation. Instead of just telling her that you’ll let her know when you’re ready to plan, it might be helpful to share a bit more about how this pressure is affecting you and your wife. Explain to her that while you appreciate her desire to become a grandmother, her constant focus on this is creating unnecessary stress and is damaging to your mental health and your relationship. You may need to set some boundaries that are more definitive, letting her know that these kinds of conversations will no longer be welcome because they’re causing more harm than good.

It’s also important to stay calm and composed during these conversations. Your mother may not respond well at first, but if you remain consistent and clear about your boundaries, over time she might start to understand that you and your wife need space to make decisions on your own terms.

I know it can feel exhausting, especially when you’ve already tried to address this issue, but sometimes it takes repeated, calm, and firm conversations for boundaries to be truly respected. Your focus right now should be on protecting your marriage and your mental well-being, even if that means temporarily distancing yourself emotionally from your mother’s expectations. If things get too overwhelming, seeking professional guidance, either individually or as a couple, can also help you navigate the emotional complexities of family dynamics while keeping your relationship strong.

At the end of the day, your life, your marriage, and your future plans are yours to decide, and it’s okay to prioritize what’s best for you and your wife, even if it means disappointing others in the short term.

..Read more

Anu

Anu Krishna  |1321 Answers  |Ask -

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

Listen
Relationship
Hi Anu, Im 27yrs old. I have been married for 1.5 yrs. Me and my husband live abroad. I grew up abroad for a great deal of my life and all members of my family are post graduate degree holders from renowned universities. Recently my mother-in-law came to visit us, she is staying for 6 months. My husband prior to marriage said that his mother is educated when I asked him. Post marriage I found out she studied only till 10th and married my father-in-law who is deceased. Since her arrival, my mother-in-law’s behaviour has been very weird. 1. She once told me that in their caste Kshatriyas ( we had an inter-caste marriage) its very common for the men to have 2 wives and mistresses. This was said totally out if context. Couple of days later she mentioned that her husband had a mistress. 2. She asks me questions about why things are the way they are and why are they like that. I find it very difficult to answer to her questions at the same time I don’t want to sound condescending. 3. She complained to my mother that my husband and I are using up too much ghee and oil. She blames that I made her son fat. My husband likes to have everything deep fried when I don’t do as he asks he throws a fit like a child and refuses to eat. Now I realised why, she deep fries almost everything, bhindi, potato, gobi, arvi, and even brinjal. 4. She also mentions that some relative of their was going to give then 2kg gold dowry to marry her son. I asked her why didn’t she accept it then. They she covered up saying that our engagement was already done by then. Again recently, she was talking to her sister on the phone and was saying that a girl is really beautiful and she was considering her for my husband but he liked me. All while I was literally in front of her. 5. She tries to take over the kitchen, she wants to wash dishes by hand and there is food residue all over. She doesn't want me to use the dishwasher. When I pointedly out that there is residue all dried up on the mixer blade, she covered it up saying that its powder. 6. I asked her not to put oil or ghee on the roti pan when making rotis as its ruining the pan and to ghee after the roti is cooked. She still went ahead and melted butter and poured it on the pan and made rotis. She said that they are not puffing up without the oil. I tried it out myself and I discovered that she lied. Dishonesty is my biggest peeve. I have no respect for her now. I don’t understand why she behaves the way she does. She also expects me to listen to all her stories and express interest in her superstitions. She on the other hand shows total disregard to what I say. My parents want me to be nice to her as she is a widow and has only her son and daughter. She is not nice to her daughter. My sister in law does not want to live with her in laws and my mother-in-laws laughs when she calls her crying. I have witnessed her gas lighting her daughter on many occasions. Once my husband asked her is the sister can come stay at home with her back in India and my mother-in-law said that she does not want her daughter in the house because she is a burden. My mother in law also keeps telling me that I should press her son’s legs as it will give Lakshmi. Once he took food from my plate I told him to put it back and get his own, she said its a Maha paap to snatch from husband’s mouth. She uses this Mahapaap whenever I ask my husband to help around the house. I don’t know how to communicate this with my husband and how to deal with her. He believes he needs to provide everything his mom wants and give her the world because she went thru difficulties after their dad’s passing. However my mother in law believes her life got better after her husband’s passing. She says that her husband was abusive to her physically, emotionally and financially. What do I do?
Ans: Dear DD,
Some space is necessary to be away from people who display less empathy. It keeps the relationship healthier.
You will usually find me guiding people towards one another first BUT at times maintaining a healthy distance can save relationships. Your mother-in-law can become the cause for stress within your marriage as you will have no one to take your complaints to other than your husband. He is obviously not going to take it that easily...
Also the fact that your mother-in-law herself hasn't held a steady marriage is going to be a constant source of more stresses as she is very likely to expect special treatment from her son and you.
She needs to work on her mind and that's too much to expect of her. It's wise to keep some distance and over time, she may wish to re-build relationships with everyone and live in harmony.

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

Latest Questions
Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Listen
Relationship
A bit long story I'm 21 student preparing for medical competative entrance exam for past 3 years (21-24).2 year ago this phase I was in a long distance relationship for 4 months with a girl I met in my class .But it didn't last long due to the problems created due to distance as she couldn't understand myself and I couldn't understand herself.so there was a misunderstanding and I couldn't hold on as I was in heavy pressure by exams and financial problems.so I couldn't handle and I felt like too early and broke up with her by losing my mind.she was completely disappointed as I didn't speak to her for more than an year due to one more year preparation.i missed her very much but I didnt tell her.I missed govt seat in border mark and the same year she got into a relationship with another guy in her class.i don't blame her. But I feel like my entire life is shattered and I couldn't move on from that girl till now.I couldn't concentrate on my career too.im kind of person who is always confident in all aspects but I have totally lost my mind .I can see that in an danger situation as age is running and family pressure, everyone of my classmates are far ahead of me I couldn't withstand this situation and couldn't make proper decision in any aspect. Mam please help me out.
Ans: Dear Anonymous,
I understand your concerns. The first step is to focus on moving on; she has, and you should too. Prioritize your career, your family, and your future. Next, what has happened to your career progress has already happened. It's unfortunate, but there's no way to change that. But give yourself a second chance; work harder and achieve greater things than you even imagined before. Trust me, you are not the only person who is standing in a situation like this. Many have, and many more will. But the ones who have passed this time will give you the same advice that I did.

Best Wishes.

...Read more

Milind

Milind Vadjikar  |682 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 13, 2024Hindi
Listen
Money
Sir, I am 40yrs old. Having monthly takehome salary of 1.1 lakh and rental income of 36000. My investment are 2 flats worth of 1cr. 4 plots in Bhubaneswar worth of 2crs. EPF balance 50 lakh, LIC policies worth of 16 lakhs, NPS worth of 10 lakhs. My monthly saving commitments are - EPF (employee+employer) 28000 NPS 15000 MF 7500 Gold scheme 5000 Financial burden - HL emi of 24000 Monthly expanses 50000 I would like to retire at 50. Please advise for retirement plan with life expectancy of 80yrs.
Ans: Hello;

The value of your investments after 10 years;

A. EPF Corpus+Contribution: 1.6 Cr
B. NPS Corpus+Contribution: 53 L
C. MF(sip) + Gold(sip): 25 L
D. Real estate (land): 3.26 Cr

So sum of A, C & D gives us a corpus of 5.11 Cr

Since you will withdraw NPS before 60 age 80% of corpus will go into annuity while 20% will be available to you.

So you may expect monthly income of around 21 K from annuity(42.4 L).

Balance 10.6 L get added to 5.11L taking your total corpus to ~ 5.2 Cr.

If you invest 5 Cr in a conservative hybrid debt fund and do a SWP at the rate of 3%, you may expect a monthly income of around 1.1 L(post-tax).

Add your monthly rental income of 36 K(No growth factored) and annuity income of 21 K to this and you have total monthly income of 1.67 L after 10 years.

Your current monthly expenses of 50 K after 10 years would be around 90 K and 1.6 L after 20 years.

Considering return of around 7-7.5% from the conservative hybrid debt fund you will still generate inflation adjusted return at 3% SWP after 80 years of age.

Assumptions:
Inflation rate-6%
Return from EPF-8%
Return from NPS-9%
Return from MF-10%
Return from gold-7%
Return from Land-5%
Annuity rate-6%

The spare flat is not considered in this because it will continue to yield you rental income in retirement.

Since real estate(land) returns may fluctuate over 10 years suggest to increase MF sip(6X) as a back-up, also in this case you may decide to retain & invest in NPS upto 60 age.

Of course MF returns are also not assured but you are improving the odds by backing two appreciable assets(RE & equity) over long-term.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
My age 62, male, getting rental income Rs. 90k nett. Already subscribing 12.5k in PPF for the past 2 1/2 years. No other investments. My target is 5 crores in 10 years. I already have Mediclaim Rs.50 lakhs for me & wife . Please advice me what to do.
Ans: Your current financial foundation is strong and shows promise:

A rental income of Rs. 90,000 per month provides consistent and predictable cash flow. This stability can serve as the backbone for your investment strategy.

PPF contributions of Rs. 12,500 per month for 2.5 years reflect disciplined saving. However, its returns may be insufficient to achieve a high-growth target like Rs. 5 crores in 10 years.

A robust Mediclaim policy of Rs. 50 lakhs for you and your wife ensures adequate health coverage. This safeguard allows you to focus on wealth-building without worrying about medical emergencies.

Despite these positive factors, achieving Rs. 5 crores in 10 years requires a carefully crafted and growth-oriented strategy.

Defining and Prioritising Your Financial Goals
Achieving Rs. 5 crores is ambitious yet achievable with a focused approach:

Define this target as your primary financial goal over the next decade.

Break it into manageable milestones: for example, Rs. 50 lakhs every 1-2 years in cumulative investments and growth.

Prioritise high-return investments that align with your risk tolerance and financial capacity.

Optimising Existing PPF Contributions
While PPF is a secure investment, its growth potential is limited:

Returns: PPF currently offers an interest rate of approximately 7-7.5%, which barely outpaces inflation.

Contribution Review: Consider capping your PPF contributions at Rs. 1.5 lakh annually (to utilise the Section 80C benefit). This ensures that excess funds are redirected to higher-return investments.

PPF can serve as a low-risk component of your portfolio but should not dominate your investment strategy.

Building a Diversified Investment Portfolio
A diversified portfolio will provide a balance of risk and reward. Include the following components:

1. Equity Mutual Funds for Growth
Equity mutual funds are essential for achieving high returns over the long term:

Large-Cap Funds: These invest in established companies and offer stability with moderate growth. They are ideal for a portion of your portfolio to reduce risk.

Multi-Cap or Flexi-Cap Funds: These provide exposure to companies of all sizes, offering growth and diversification.

Sectoral and Thematic Funds: Avoid these unless you have a high risk tolerance and understand market dynamics.

ELSS Funds: These not only provide tax savings under Section 80C but also deliver market-linked returns.

Why Avoid Index Funds?

Index funds may offer simplicity and lower expense ratios, but they lack flexibility. They cannot adapt to market conditions or capitalise on outperforming sectors. Actively managed funds, on the other hand, have the potential to outperform the market, especially in a developing economy like India.

Start with a Systematic Investment Plan (SIP) in selected funds to build wealth steadily.

2. Debt Mutual Funds for Stability
Debt funds add stability to your portfolio and reduce overall risk:

Choose funds with low credit risk and moderate duration to ensure safety and predictable returns.

Debt funds are suitable for short- to medium-term goals or as a fallback during market corrections.

Taxation Note: Both LTCG and STCG on debt funds are taxed as per your income tax slab. This should be factored into your planning.

3. Balanced Advantage Funds
Balanced advantage funds (BAFs) dynamically allocate assets between equity and debt. They:

Provide exposure to equity while minimising downside risk.

Offer a suitable option for someone nearing retirement but seeking growth.

4. Gold Investments for Diversification
Allocate a small portion (5-10%) of your portfolio to gold:

Gold serves as a hedge against inflation and currency depreciation.

Choose gold ETFs or sovereign gold bonds for ease of liquidity and better returns.

Emergency Fund Creation
Having an emergency fund is non-negotiable:

Maintain at least 6-12 months of expenses in liquid investments like liquid mutual funds or high-interest savings accounts.

This ensures liquidity for unforeseen events without disturbing your long-term investments.

Focus on Retirement Planning
At 62, balancing growth and safety becomes critical:

Estimate your monthly retirement expenses, considering inflation over the next 10-15 years.

Your target of Rs. 5 crores should primarily serve as your retirement corpus.

Allocate assets thoughtfully:

60-70% in equity funds for growth.
30-40% in debt funds for stability.
Periodically rebalance your portfolio to maintain this allocation.

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

Continue using Section 80C to its full potential, including ELSS funds and PPF.

Consider the National Pension System (NPS) for an additional Rs. 50,000 deduction under Section 80CCD(1B).

Be mindful of the new taxation rules for mutual funds:

Equity Mutual Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%; STCG at 20%.
Debt Funds: LTCG and STCG are taxed as per your income slab.
Consult a Certified Financial Planner to optimise your tax strategy.

Regular Portfolio Monitoring and Rebalancing
Investing is not a one-time activity:

Review your portfolio every six months or annually to track performance.

Rebalance your asset allocation periodically to align with your financial goals and risk appetite.

Stay committed to SIPs even during market downturns, as this ensures cost-averaging.

Additional Suggestions
Avoid Over-Reliance on PPF
While PPF is safe, it is not sufficient for wealth creation. Shift excess contributions to equity-based investments for better returns.

Avoid Direct Stocks
Direct equity investing requires time, expertise, and constant monitoring. It carries higher risk and may lead to losses without proper research. Instead, rely on equity mutual funds managed by professionals.

Avoid Mixing Insurance and Investments
Do not invest in ULIPs or endowment plans, as they offer suboptimal returns. Stick to pure insurance products for protection and mutual funds for growth.

The Role of a Certified Financial Planner
To achieve Rs. 5 crores, a well-crafted financial plan is essential. A Certified Financial Planner (CFP) can:

Analyse your current investments and recommend improvements.

Design a customised strategy tailored to your income, expenses, and goals.

Provide periodic reviews to ensure you stay on track.

Finally
Achieving Rs. 5 crores in 10 years is a realistic goal if you adopt a disciplined and diversified approach.

Optimise your PPF contributions and channel excess funds into higher-growth investments.

Build a diversified portfolio with equity and debt mutual funds.

Include a small allocation to gold and maintain an emergency fund.

Stay consistent with your SIPs and review your investments regularly.

Work with a Certified Financial Planner to create a personalised roadmap.

By following these steps, you can secure your financial future and meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x