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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
SS Question by SS on Nov 16, 2022Hindi
Relationship

Hope you are doing well.
I am kinda mentally disturbed and badly need your suggestion.
I have been in love and married for 13 yrs. I have a son and a daughter. I'm a working woman.
I'm being constantly ill-treated by my mother-in-law. I know such issues exist in every household. But here, it has been a never-ending issue for 13 years now.
She is very insecure, when it comes to household chores, my kids and my husband and feels all these areas should be in her control.
She feels she is to be given utmost attention and only her thoughts and feelings to be respected and are always right.
She insults me, mocks me, and doesn't treat me like a part of the family, though I’m selfless and continue to care for my in-laws and other family members.
She keeps hurting me with her words, gestures and behaviour.

To her, I'm like a constant pester and she doesn't feel satisfied with any chores or work at home or family. I'm a big mess. She often states 'I’m her` target` and will continue to hurt me verbally and with gestures.
My husband doesn't raise questions on his mom's insane behaviour, as she threatens to harm herself.
This is a routine she carries out, whenever she wants to. I have zero support from my husband to change his mom and or understand my feelings. Neither should I voice out my views or feelings. I have to look out for her moods and actions and act accordingly, any time.
I have no self-respect, no dignity here. It doesn't feel like this is my house or my family, except for my kids.
My kids are growing up and I feel I will lose respect amongst them, when she constantly taunts me and insults me for no reason.
I have no parents or siblings to share my feelings. I open up with my close friends for a temporary vent out, otherwise, it really doesn't serve any purpose.
I feel like I have to live eternally with this mental abuse, as I'm unable to put up with her behaviour and harassment. Acting as if I'm fine every day is killing me.
This type of behaviour makes me feel very low and my self-esteem is affected. I feel worthless and my whole life feels like a sheer curse.
Please help me get out of this situation and make my mother-in-law mend her behaviour towards me.
Awaiting your response.

Ans:

Dear SS,

A story in many patriarchal households!

What can you do to change her and your husband’s attitude on this? Nothing at all.

It’s like a stubborn gene that wants to hold on to age-old beliefs where the mother-in-law rules the home and calls the shots, the son blindly supports his mother’s tantrums.

What can you do when your children also are growing up in this environment?

Here’s where you can put your foot down.

Your children have to learn to respect their mother for who she is. So, stop playing the victim in your situation and take charge.

I am sure the children are at an age where their minds are impressionable and can be beautifully shaped to accept different people in the household.

Instead of spending time cursing your situation, spend the same time being with your children, bonding with them.

Talk and spend a lot of time going out, watching TV, cooking, reading, listening to music and more.

What will start to happen is that the children will learn to hold space for you when you are down and out. And do take care that while you are bonding with them, never talk ill about their father or their grandmother.

This activity isn’t to distance one from the other but to give you a new way of thinking in the existing circumstances.

Having said this, if your husband is someday ready to talk to you about this, by all means be assertive.

Till then, it’s not necessary to suffer. Either you can fight and get fingers pointed back at you or you can negotiate a situation wisely to maintain the peace at home. You always have that choice.

Whatever you choose, never sit in silence and do nothing. That’s what your children will learn; to suffer in silence. So, time to make some subtle and meaningful changes?

Best wishes!

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Dear Love Guru, Please keep me anonymous. I am a 45 years old married male. Ours was an arranged marriage. My spouse as well as my in-laws have cynical attitude towards life. They are always abusive towards everyone at their back even. Earlier, I used to take it lightly and also tried to make my wife understand that there are good people also in the world. I also used to think that she may not be having the same attitude at least towards me but I was wrong. I always did my best whenever she was in trouble or otherwise, be it in her social, professional or medical needs but instead of acknowledging she always found some ulterior motive of mine. She acts sweet whenever she wants anything or to get things done from me otherwise she becomes abusive. Moreover, since beginning she discusses everything over phone with her mother and acts as per her guidance. I don't think that anything whatever happens in between us be it good or bad or in our house is not known to her mother. Whenever we have any quarrel she immediately calls her mother and tells her only her side of the things and uses abusive words for me. I have even requested her that even if she feels like calling her mother to lighten up, she may do it, but at least in privacy so that I should not hear the words she uses. But, now after 14 years I am getting fed up and don't feel like being with her. I am continuing because of my daughter as separation may affect the child. We no longer share any emotional or physical intimacy. I am exhausted. Please advise.  Regards, Anonymous
Ans:

Sounds like you’re tired of the marriage.

I would suggest attending some marital counselling together before you decide to finalise a split, if only for the sake of your daughter.

I understand that the child’s situation is taking precedence over yours, and that’s good parenting, but how long will you carry on like this? It’s been so many years already.

Your wife speaking to her mother about everything is understandable, but within earshot so that you hear it too is not. She obviously has ulterior motives.

Visit a competent counsellor. I’m sure you’ll be able to make headway in this situation.

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Relationships Expert, Mind Coach - Answered on Nov 30, 2023

Asked by Anonymous - Oct 30, 2023Hindi
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I have been married for one year. My mother in law has no respect in her talking towards me. She expects me to do all the household things and she doesn't want her daughter to do any kitchen works. Most of the time I feel like she made her son marry me just to do household things. I don't need any appreciation but I can't bear her disrespectful words. And her cunning character and lies. What can I do in such situations
Ans: Dealing with a challenging mother-in-law can be a delicate situation, but it's important to address these concerns to maintain a healthy relationship with your spouse and in-lawsStart by discussing your feelings with your spouse. Share your concerns about your mother-in-law's behavior and how it's affecting you. Ensure that you both are on the same page before addressing the issue with her. When you decide to talk to your mother-in-law, pick a calm and private setting. Avoid confrontations in the heat of the moment, and try to have a rational conversation. Clearly and calmly communicate how her words and actions make you feel. Use "I" statements to express your emotions without blaming her Make it clear what behavior is unacceptable and establish boundaries. Politely but firmly communicate what you are willing and unwilling to tolerate in terms of comments and expectations. If direct communication doesn't yield positive results, consider involving a neutral third party, a trusted family member, to mediate the conversation. Strengthen your relationship with your spouse and build a support system with friends and other family members. Having a strong network can provide emotional support during challenging times. Remember, it may take time to see changes, and it's essential to approach the situation with patience and understanding. Every family dynamic is unique, and finding the right balance may require ongoing effort and communication.

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Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Hi Anu...i hv been reading ur expertise to solve the issues of people and am really impressed. We have been married for 19years now and have a son and daughter .From the start of the marriage my wife have been inclined towards her mother and her family paying less or no heed to us. Circumstances were also favorable to her and she always got the opportunity to stay close and visit her parents often which i did not mind.We lived in Mumbai and she is from Chennai.After marriage my mom-in-law used to continuosly interfere into our lives by calling her and she used to act as per her suggestions only which led to problems as she was a puppet in the hands of my Mom-in-law. Moreover since my mom-in-law was not in good health my wife tried not to over rule as she did not want her mom to feel sick as she doesnt like to be over ruled or by pass failing which she goes on hunger strike and stop taking tablets spoiling her own health. Due to this reason everybody has been appeasing her.Initially i thought to ignore but slowly it started to affect my family as well as my wife started to see things thru my mom-in-laws perspective and find faults in everything. We shifted to overseas to stay away from all these and we really had a good life for 10 years there but since i lost job during covid i had to shift base to India for my son's education but she chose to stay back there with my daughter as she is working there.I too felt that let her spend some time so that i could settle things in India and call her but it is more than 2 years now and she refuses to come back and dont even care for us and neither call us as family. I tried to involve my in-laws to convince her but they are also playing a diplomatic game and doesnt want to go against their daughter's wish.Due to this attitude of my mom-in-law their own daughter-in-laws have been staying away and since my in-laws stay alone my wife feels that she is the only support system for her parents but it has come on my life's sacrifice. She has been ignoring us and even i kept moving for the sake of my family and children instead of respecting my feelings she has become more adamant now.Her brother is also seperated from her wife and he also looks forward for a support system from my daughter and my wife and they seem close ignoring myself and my son.We have been trying to convince her thru all means but she is caring. Even i feel that it is futile to force someone into relationship but she unknowingly spoiling my family and deprieve my son the mother;s love and also depreive my daughter from affection and love.Due to this my son has also stopped expecting from her and my daughter treats me as a stranger due to long distance. Pls suggest the way forward. Shud i wait for things to improve or leave as it is.I am 47 now and she is 45..told her that let us enjoy the best things in life rather than regretting later but she does not understand.
Ans: Dear Anonymous,
Logic does not appeal to your wife!
What can you do with someone who is adamant about ruining her own family life? It's purely clouded judgement on her part on what to do and not!
With more people dependent on your wife for support, she has found a way of moving even more away from you...what I do not understand is: how is she able to do that to your son?

Either the two of you talk this out and take firm decisions OR accept that this is how it's going to be...sooner or later, she will realize what is happening and will become more aware of her priorities. But, being where you are is painful and it will stress you even more...So, find a way to talk things out is a step that you can take NOW!

Impress upon her as to how important it is keep the family together as a unit for the children to grow in a healthy manner and also how much this time investment will help the two of you as a couple.

All the best!

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Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 11, 2024Hindi
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Hello, I am a working independant women staying with in laws. My mother in law is a narcissist. She used to boast about herself, her son, relatives anytime. I was fed up hearing all these...she wants to keep everything and everyone under her control. I used to tell my husband regarding his mom's behaviour.. He knew about his mom's behaviour from before. He supported me and told me to confront mom and tell her directly that i dont like her behaviour.. But i was afraid.. Because she will never acknowledge her mistake.. My husband and his mom had frequent fight regarding other reasons( like way she talks, controlling behavior) but she never changed her behavior.. One day my husband told her everything what i told him about her.. The way she has been treating me... She got super angry...said many bad words to me..We left the house and rented a apartment.. Still now she is angry.. Blaming me for everything.. For taking her son away.. Now what to do??
Ans: Dear Anonymous,
Will you accept it gracefully if someone comes to you and on your face says that he/she does not like your behavior?
The way to settle differences in relationships is not confrontation but with a lot of strategic patience and grace; both of which were not displayed while dealing with your mother-in-law. Okay, maybe she is a difficult person to be with, but how has it helped now by your husband playing your spokesperson? It has only made matters worse for you.
What is done cannot be undone...
Wait for her anger to settle down and then approach the matter with butter fingers. Ultimately, she's your husband's mother and hence will always be a part of your life...
Remember to work around constraints and not with them...when you skirt around, you will find many alternate ways of solving a problem and when you confront, you hit egos and then will act irrationally. Wait and when the time is right, be assertive in how you want the relationship to be. Kindly do not use your husband to sort your troubles; it will go downhill yet again...It's your relationship with your mother-in-law, work on it yourself...

All the best!
Anu Krishna
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 12, 2024Hindi
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Relationship
I have been married for 7 months. I stayed with my husband for 4 months. I have a decent relationship with him. But my mother in law doesn't like me at all. She finds faults and mistakes in everything that I do. I don't get any support from my husband when my mother in law criticises me or uses harsh words. She insults my parents. My husband tries to justify her behaviour when I try to discuss these issues with him. He misunderstands me and doesn't want to listen to me whenever his mother creates issues. He doesn't listen to anyone and he doesn't care about anyone apart from his mother when his mother creates problems. I work for 10 hours at office and take care of him and the household chores. He forgets all my positive sides and highlights my mistakes rudely whenever his mother comes into the picture. I don't find any solution to this. My last solution is filing for a divorce. I want to try to give my best for this relationship. But that is somehow taking a toll on my mental and physical health.
Ans: Dear Anonymous,
You have good respite from all of this while you are at office, right? And then there's the commute to work? Then there's sleep?
So, I guess your interactions with her maybe 2 hours?
For her, she's given up her son; many mothers find it hard cutting the cord from their children and in this case, your husband also has not learned to develop a personality off of her and hence putting him in between the two of you is only going to cause you more stress and invariably he will side with her; he's still getting used to another woman in his life, YOU...Don't test his love for you and compare it with his mother. It will drive him away from you.

Give this all sometime BUT DO NOT get him caught in the middle of all this. Teaching your mother-in-law to behave in a certain way maybe a huge task BUT for you to work around it without letting it bother you is what you must focus on. Possible? YES...Smart relationships are ones like these where you don't go around expecting change in the other person BUT you figure how you can work around and find your peace.
So, since you are going to be around her only for a few hours, start by simply agreeing to what she says. Initially it will be hard, but it will throw her off guard as when she sees that you are not provoked, there will come a time, when she will back off.
Her fault finding is only to prove that she is better than you and that you can't replace her in her son's life. Give her that pleasure by simply nodding your head knowing that it's not your fault. You will see a change in a few days.

The best way to bring people's guard down is to agree to what they say BUT do what you need to. It's just been a couple of months, give it sometime...things settle...

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

..Read more

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
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Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...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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