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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 30, 2024

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Asked by Anonymous - Jan 15, 2024Hindi
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Relationship

My husband of 23 years is emotionally cheating on me. He has been in touch with his school friend for 7 yrs...some of the earlier texts he sent her were very intimate ( i am hungry for you, i miss you etc)..then he promised to break it off once i found out..fast forward to dec2023. He went to US for 3 wks..once he returbed he was distant with me. I suspected something and checked his phone...found him calling her 8 times a day...upon confronting he said he was meeting her since past year and also just talking with her...assured me no sex took place but i doubt it..i am so heartbroken..he has lied before so i dont trust him anymore. I am seeking counseling but still very deprrssed. He refuses to apologize or show any remorse..does not promise hw wont see her again. What to do? Give up 23 yrs of marriage???

Ans: Dear Anonymous,

I am very sorry to hear this. I understand that these are challenging times and kudos to you for taking necessary steps such as seeking the help of a counselor to take care of your mind. Now coming to your question- it's essential to reflect on whether you genuinely wish to continue a relationship with a partner who not only lacks respect for you and your marriage but also shows no remorse for their actions. If you're inclined to give this relationship a second chance, you need to set ground rules. Seeking the guidance of a marriage counselor can help address the issues that have surfaced over the past couple of years, working together to mend the broken aspects and build a stronger future. But if you do not want to continue, if you want to give up, if you think your partner does not deserve these efforts, it is okay. Do not feel guilty for choosing self-respect and sanity over your marriage.

I cannot directly ask you to give up, but I will encourage you to reflect on what would truly be best for you, not for your husband or society. You.

Best Wishes!

You may like to see similar questions and answers below

Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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 Hi I’m 24 years old and have been married for 3 years now.My husband and I thought we had plenty of fights we did made it up and moving on as we love each other a lot. But last year after we had our first child, (even before that) I could see that he has changed a lot.Because of my delivery I came to my parents’ house in my 5th month and till today I’m still here .In this new year I found out that he is talking to the same girl about whom we had a fight when I was 3 months pregnant.He said 'Nothing is going on between us. Please trust me and all' because he claims her to be his friend.This year around New Year when he visited me I got to see the same girl and him taking selfies standing close to each other. And in one pic he also kissed her on her cheeks.My heart broke when I saw that pic. When I confronted him he said that nothing wrong had happened, ‘we are just friends.’ He said ‘It will never happen again I swear on my child.’But he never answered my question on why he had to take such a pic with her that day and that too it was pic taken after my delivery when he left home saying he had some important office work .He loves me with his words. But I’m not able to make out in some situations if it’s true or not.Nowadays he insists that I shouldn’t call him on purpose to ask idiotic questions about my lunch or my health and even to show our baby on call. He said I should call only if there is something important. Even if he calls me, he says he wants to see the baby. He said he wanted some peace from me cause I am torturing him. He said this after we quarelled about that girl.Please help me with what I should do further. I am not able to figure it out. Thanks in advance.
Ans:

Dear SR,

Straight and upfront; how much do you want to make this marriage work?

Do you feel he wants to be in this marriage as well?

Are you being a convenient façade for him to be the loving married husband with a child and then go behind your back to another woman?

Are you allowing yourself to be blackmailed into suppressing your doubts about him so that he will still be in the marriage?

What you can do further is bring in a neutral person to bring his ‘floating on the sky party’ to the ground.

His immaturity at not being able to be a father to his child at the time when his wife needs his emotional support needs to be addressed.

Ask an elder member to step in and bring some much needed sense into him so that there is an effort put into bringing you and him on the talk table for a much needed conversation to set things right.

You can do this, remember, you are a woman and now a mother who is strong and knows what she wants.

Step in and take charge and never allow yourself to be cowed down by anyone.

Be YOU and all the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2022

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 Hi Anu Mam, I am married for 4 and half years now and have a 3 YO daughter. It was an arranged marriage and the families were not familiar before.My husband started behaving very rude to me since my delivery. He verbally abused me a lot and finally I felt something was not right and opened up to my parents, that I cannot live with him, after 3 years of the marriage.My parents supported me and took care of my daughter and me for a year, after which my husband's family convinced me to move back in with him. When I came back to him I realised he has been cheating on me with his colleague since before my delivery. When I probed the issue further, without his knowledge, I got to know that he was a polygamous person for 10 years before marriage. And this shook me. I also got to know he is meeting one of his female friends after work hours, lying to me. He used to lie to me that he's going out for work and talk to his other female friend on phone for an hour or so, once every 2-3 days.He watches porn every day.I slowly realised he was just exploiting me for his physical needs.Our relationship turned cold within 3 months of restarting it.I was not happy being with him. I knew he was still cheating me, but he never obliged when I confronted.I could not let him even touch me.Finally, out of his frustration, he physically attacked me in front of our daughter, tried to strangulate my throat, but by god's grace I could save myself.That day, 30th of August 2021, I left that place with my daughter and came back to my parents.I filled a domestic harassment complaint against him, for which we're attending counselling sessions now.I cannot think of a life with him anymore.I have made up my mind to file an FIR against him soon.I must say I'm at peace now.But I still have a lot of anguish whenever those thoughts cross my mind. Is there a way where I can make peace with my past?
Ans:

Dear VT,

Physical abuse is an absolute NO and so is emotional abuse. I am glad that you have decided to end this misery for yourself and your daughter.

Please proceed with the FIR and also seek help on filing divorce if that is something that you have considered.

On the emotional part of it, it will take a toll on you and your health as you are unprepared at this moment. So start by:

1. Visualizing your life without him by your side

2. Working out granular details like finances and where you will live

3. Chalking out a plan of how your daughter will be cared for if you choose to start working

4. Listing down which close family member will be by your side (emotionally) always

As daunting as this may seem, it is possible to be in a space of strength which you already have experienced and move ahead to a better life.

And as you do this, do remember that you are important, so take care of your thoughts and feelings as well.

  • Spend time in Nature observing and appreciating
  • Surround yourself with people and friends who care and love you unconditionally
  • Exercise and eat well
  • Pamper yourself by caring for your physical appearances
  • Do what you love every day at least for 30 minutes

Situations maybe tough to handle but building strength within at the right time is what is the need of the hour.
I wish you the best in life always.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

Relationship
Hello Anu ma’am, I’m 30 years old female, working at an IT firm. I have been married for a year now. The marriage with my husband was arranged by our family members. I met him 2 months before we got married. We talked more during that period and the conversations were always pleasant and I felt care in them and finally made the decision that he is my match. Once we got married, things were good-to-okay in the first few months. I used to live with my in-laws and slowly noticed that he is moving away little by little. My connection with him started to feel weak. He and his mother would stop talking when I entered the room. I had to help more with house chores. I tried quite a lot to keep up with in-laws, husband, and work but soon sensed that mother in law and son have teamed up against me and everything I did was never satisfactory. The first thing that came up to my mind was to move out of the house with my husband and to start our relationship afresh. He didn’t like the idea and for my work reasons, I moved out and to the city where I work (which is a 3-hour drive from where he lives). This made the connection even worse. I used to go see him once or twice in a month but the relationship felt strained so I moved back within 3 months. Around this time he downloaded some dating apps on his mobile. When I asked him about it he said he downloaded out of curiosity and didn’t use it, but I can feel the change in him. Within 2 months I started to realise he’s being secretive with his phone or iPad and is spending a lot of time with them either texting or calls. I also noticed that he is talking to someone during the night while he is sleeping next to me. I felt betrayed and shattered to my core. All the things I learnt for him, all the things that I have done for him and his family, all the time and energy I have spent felt useless. When I confronted him he never accepted it and says it’s all in my head. I gave him some time leaving it aside thinking he would bounce back once he is done with it. So I asked him to move in with me so we could bond and spend time alone. We moved in together finally but things didn’t go as I expected. When I leave for work he would either go meet the woman or worse bring her home. He continued it and I ran out of patience. I talked about it with my family and his. My family supports my decision with whatever I would want to do and his family would back him up saying that they have brought their son up my utmost values and he wouldn’t do such a thing. So finally they have sent us back to our homes hoping things will be fine. He still talks to the woman every night and God knows how many times I cannot make it out in the day time. I’m sorry it’s a long read for you but I wasn’t sure what to express and what not to, for you to help me with a suggestion.I have tried to catch his act using technology but he is too clever to be caught. Trust me, I’m a tech lead at an IT firm and I have tried a lot of methods to catch him but all of them are valid-invalid proofs and he is quite a story teller to make them all look null.I feel nothing inside most of the times and simply want to come out of this but not without showing his true form. For once, I want to win. Win huge this way. If you can help me out I will be grateful for that. Please keep me anonymous if you could.Thanks a lot for reading this.
Ans:

Dear TK,

Thank you for sharing so clearly; it certainly helps me guide in the best possible manner.

If you feel that he is infidel, the there is no necessity to go around looking for proof.

What will proving that give you?

Even if you showed it all to his parents what is the guarantee that they will not turn it around and blame you for it?

That you should not have moved out and that’s why he needed the comfort of other women.

Quit focusing on proving his infidelity and focus on more what you want at this point in time.

Do you want to continue in this marriage?

If NO, exit in the most graceful manner because the stress from all the pulling down or Win that you are looking for is strenuous and of no use. It will only appease your EGO which anyway is short-lived.

But of course, if you are in the process of negotiating terms during divorce proceedings; this proof maybe valuable to have a better WIN. I hope I have succeeded in differentiating both types of WINs so you get a clearer picture.

Now coming to how you must deal with your mind space is as simple as listing down what is important to you.

Is it dwelling on what he does or emphasizing more on what you can do?

When it’s the latter, you will think and act in a manner that looks out for you and how you can keep yourself in an optimum mind space.

So, start focusing on what makes you happy and stick to that.

When you are ready to move on, make it graceful and if there seems to be a problem with negotiation, the proof that you have collected with a sane sense of mind will come in handy.

I assume that there are no children involved but if there are, take into consideration how they will cope with any decision of yours.

Bottom Line: Learn to live your life and focus on what’s important. I am confident that you can do this NOW.

All the best for a beautiful mind space!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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Dear Anu, I would like to discuss about a problem in my married life with you. Me and my husband had a love marriage 21 years ago. Before our marriage also my husband had many relationships and affairs but since he was very true about everything and he promised to change things, we married. Though, our family was a happy one and we have two grown up kids also, everything seems OK from outside. But actually, my husband has had many affairs after our marriage also. He has never left his habit of impressing females around him, it may be his colleagues or some common friends etc.. and I always come across some or the other female in his life. Some of the affairs have been so serious that they even went ahead and spent days and nights together. Every time, I discover some affair, he admits his mistake and tells me to move on, but he never believes in correcting his mistakes and either continues with the affair or finds a new partner. I have lost all trust in him but since I am not earning and have two grown up kids and also love him a lot, can't think of separation. I have tried confronting him though but he gets angry always and blames me for spoiling our family life and not moving on. Also, would like to accept that he is very supportive in family matters, loves his family a lot, is very dedicated to his work and to his kids, he is very empathetic towards people, helps everyone but needs his own space too. I am completely confused about what should I do. I am unable to trust him for anything and we keep arguing over smallest things. Hope you will reply to me. Thanks.
Ans: Dear TT, I can only imagine what you must be going through.

Since you want to continue in the marriage, that choice is something I presume that has emerged after a lot of thought and I respect it.

The way this marriage will work is communicate clearly to him that his philandering ways have to stop as it is affecting you and the marriage.

If this doesn’t work, he seriously needs help in dealing with this…sometimes people don’t realise that they are jeopardizing their marriages.

I am not defending him but simply stating that sometimes people get themselves into a trap of not so useful situations and quite don’t know how to get out of it.

Also, what he might gain from so many extra marital relationships is something that he needs to find in other ways rather than swaying outside of the marriage.

This requires him to work with an expert as he will most likely not yield to your requests like in the past. Mere talking will not be enough; he possibly needs intensive therapy.

This will help him reunite with his family that he loves so much and he can be around completely without having to seek pleasure outside eroding the foundation of marriage.

As he seems to get better, it’s time for you to live your life as well, right?

What is it that you haven’t done in years? What is it that you gave up after marriage or after having kids?

What excites you enough for you to step up for yourself and create your own happiness? Simply DO THAT.

This will help you get back on your feet; who knows you might discover something that actually may end up becoming a money generator as well!

I wish you the best!

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Anu

Anu Krishna  |825 Answers  |Ask -

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

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Hello, I am 41 year old professional. I had met my husband before marriage though social media 5 years back and thereafter maintaining distance relationship and meeting occasionally for 3 years we got married in 2021. It was a struggle for marriage as it was inter caste and inter religious marriage. Everything was smooth in relationship to the fact that I’m responsible for all financial matters as my husband has no job. He is still trying and looking for job. I didn’t mind much but would encourage him to get the job to be mentally and physically fit. Last year we went to his nephews marriage to his village. It was of 7 day programme. On second day I noticed him watching another women ( nephews mother’s sister who has 2 daughters) At that time I didn’t pay attention. After 2 days on a night function I saw my husband texting from far but he looked at that lady again. She also seemed to texting. I became suspicious. Later that night when he came to room I asked to show him his phone he was reluctant. I had to snatch his phone and I saw that he was texting the same lady and in that had asked her to meet her alone. and asking her where he can meet her. I gnashed cried and made a huge scene coz this was not what I had expected. He tried to convince that she was his girlfriend of past and suddenly after seeing her after sometime he only wanted to talk to her. I only asked her ... why alone? He had told me during dating that she had a girlfriend ( never told her identity) and that she has married and moved on. Feeling cheated I could not sleep but only cried that night and in the morning if we can return to our city. Programme had not finished but he agreed and we left. Since then that night and those days still haunt me ; thinking what didn’t I do to love him so much and in return we get cheated. I’m still with him, but mentally I still feel cheated and still am in doubt that he is in touch with her. I am not able to do my duties as part of my mind thinks he cheats me though I have confronted many times on this and he denies that he is not in touch with her Should I leave him or continue with this marriage? We still don’t have any baby.
Ans: Dear Vandana,
Clearly you are more into him than he is into you. Baby or no baby, he seems like someone who isn't going to be steady...what was the need to hide and plan a meeting and if the other lady has moved on, what is doing hanging around her?
And with no financial assurance and stability, he is only tuning his energies to external validation to 'up' his elf esteem...

Isn't it time you actually called him out for his wayward nature and his absolute reluctance to take on some responsibility in the marriage and home? The more you are quiet, the more he is going to feel that you are supporting this nonsense...call it out and NOW! And as for your state of mind, do know that you have it in you to hold your own...don't base you peace of mind on anything outside of you...

All the best!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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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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