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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Aarti Question by Aarti on Mar 15, 2023Hindi
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Relationship

My husband has been in a relationship with a woman for past 6yrs i came to know 3 yrs ago and confronted him.Initially he broke up with her but they came together again.Eqch time i confronted him he said to me you are my life and the relationship with the other woman is just a phase.It will die it's own death and then cries his heart out to stop me from leaving him. Where do I stand ? What should I do to know it's ended forever.

Ans: I'm sorry to hear that you're going through this situation with your husband. It's understandable that you feel hurt and confused about where you stand in your relationship.

First and foremost, you have to prioritize your own well-being and happiness. You deserve to be in a relationship where you feel respected, loved, and secure. It's important to have a conversation with your husband and express your feelings about the situation. Let him know how his behavior has affected you and your relationship. Be clear about what you expect from him moving forward.

It's also important to set boundaries and make sure that they are respected. If you feel uncomfortable with him seeing or talking to the other woman, let him know that it's not acceptable. Consider seeking the help of a couples therapist or a marriage counselor to work through the issues in your relationship and communicate effectively.

Ultimately, it's up to your husband to end the relationship with the other woman and commit to your marriage. If he continues to choose the other woman over you, it may be time to reevaluate your relationship and decide what's best for you in the long run. Remember, you deserve to be happy and have a fulfilling relationship.

You may like to see similar questions and answers below

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Relationship
Hi Anu, it's been 5 years of my marriage. From the last few months I am feeling disconnected from my husband. I ask him about it. He mentioned that he met a guy somewhere in November and had a one-night stand with him. He explained to me the initiation was from him and that he likes him. After few days of conversation with him my husband started having feelings for him. But it was for limited time period coz that guy was trying on someone else or many others (according to my husband) A few days earlier he mentioned that he is being confused if he is gay or straight. He now has feeling for another guy but he has a family and sees him as friend. My husband is continuously telling me to understand him. He needs to find him etc etc... And deep down I know he has no future with any other man. He doesn't feel any physical attraction towards me (it's what I think). I do like him. Physically also. But he doesn't. We don't have any child. He is 36, I am 34.Now I am super confused what to do. I do love him. Please help.
Ans:

Dear KS,

It’s still unfortunate largely in our country and in few other places outside of India, sexual preferences and orientation is still considered a taboo or something to shoved under the carpet.

It’s treated as an illness that will go away like a cold and fever.

Your marriage possibly comes under this confusion and hence both you and your husband are struggling.

He never got a chance to figure out which gender he leans into more maybe due to societal pressure or from family; and it has surfaced after marriage.

For you, it feels like you have been cheated and though you love him, do know that it might not be a marriage that might work especially if he chooses to root himself to his current sexual orientation.

I suggest you weigh out the pros and cons of being in this marriage and have a frank discussion with your husband.

If he has nothing to offer to you and in this marriage, you know what is to be done.

Whatever it be, do know that this has happened at the right time; just imagine the confusions if there were children in the picture.

If after the discussion, it was just something that he experimented with, I guess there might be scope to grow into the marriage.

Have that discussion and do that NOW; a lot will ease.

Yes, it perhaps might be a heartbreak, but better to MOVE either way.

Be strong and all the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

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

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Relationship
I have been in a relationship for 12 years when I married the man I love. It is now 6 years of marriage and we have a kid. When I was pregnant my husband was in a relationship with another woman. When my kid was 2.5 years old I came know about the relationship and I am destroyed. My husband asked me not to leave him and since I didn't get any support from my family I stayed. Now I am still not able to overcome the situation. I know he doesn't love me though he says he does. I don't know why I am with him, he is trying to maintain our relation but there is nothing like before. I don't feel the same way. I even don't know whether I still love him or not.
Ans: Dear RGI am going to assume that you want the marriage to work and my suggestions below are based on this assumption.

It's time to get an independent person involved who will help in giving an impersonal view. This could be an elder member of the family or a Marriage Therapist.

What this person will help with is reevaluate your marriage, put things into perspective, clarify all your doubts.

Obviously, you have your doubts on whether he loves you or not after being cheated upon! But no amount of asking is going to convince you…that’s why it’s imperative for both of you involve a person who can guide you through this process of rebuilding your marriage in trust and love.

In the meantime, what I might suggest for you is: Remind yourself everyday as to why you married him and what he has brought forth to your life.

This helps you be in a sane space on a daily basis which also help you care for the toddler who needs a lot of care and love as well.

Spend time with friends that don’t just gossip and bad-mouth but can genuinely nourish you; you need this nourishment now.

Pick up a hobby and indulge in it; it helps not just distract you but also give you a ‘feel-good’ emotion and makes you have little moments of joy.

Of course, after you visit the expert, the choice of continuing in the marriage or not, rests with the two of you…choose wisely.

All the best!

..Read more

Ravi

Ravi Mittal  |181 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 25, 2023

Asked by Anonymous - Oct 21, 2023Hindi
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Ravi

Ravi Mittal  |181 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 30, 2024

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!

..Read more

Latest Questions
Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi, my age is 29. Married. My daughter is 8 months old. My monthly salary is Rs. 1.33L PM. Monthly expense - Rs. 35,000 Current commitments are: Home Loan EMI - Rs. 43,535 (8 months completed. 30 years tenure) Term Insurance - 1cr (Annual premium - Rs. 36,000 for 10 years. 7 more premium pending) Current NPS Balance - Rs. 75,000. Investing Rs. 15,000 pm SSY - Rs. 12,500 pm. APY - Rs. 409 pm I'm planning to save for Emergency Corpus Fund, get a medical insurance floater policy. My short term goal is to save Rs. 20 lakhs within 4 years for registeration and interior work for house. My long term goals are for daughters UG education, wedding, retirement at 55 years. I took investment risk test and Im an aggressive investor and planning to invest more on equity. Also, I want to diversify the portfolio and invest across asset class.
Ans: It's great to see your proactive approach to financial planning! With your solid income and clear goals, here's a suggested plan:

Emergency Corpus Fund: Aim for 6-12 months' worth of living expenses in a high-yield savings account for emergencies.
Medical Insurance Floater Policy: Ensure adequate coverage for your family's healthcare needs, including your daughter.
Short-Term Goal - House Expenses: Consider a mix of equity and debt mutual funds for potential growth while safeguarding against market volatility.
Long-Term Goals - Daughter's Education, Wedding, Retirement: Continue investing in equity through mutual funds or stocks for higher returns over the long term. Also, explore options like PPF, NPS, and diversified funds for diversification across asset classes.
Review and Adjust: Regularly review your portfolio's performance and make adjustments as needed to stay on track with your goals.
Remember, financial planning is dynamic. Consulting a Certified Financial Planner can provide personalized guidance tailored to your unique circumstances and aspirations. With discipline and strategic investing, you'll be well-positioned to achieve your financial dreams.

...Read more

Mayank

Mayank Chandel  |437 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Career
I completed bams a year ago. I passed 12th in 2014 and prepared for neet 2 times but couldn?t get seat because i was not serious about my career at that time. I had no clearity. I was so confused that I couldn?t focus. Even my parents and relatives were scolding me and not helping me . So I wasn?t thinking roperly focused. Then i gave bams entrance for the first time and got seat. I feel like if they wouldn have helped me or asked me what do i feel then i must not have been in the same place as am today. I feel i have ruined my life. Am currently working in delhi as a physician in a very renowned ayurvedic institute. But i feel like I don?t have passion for ayurveda. Am 26 years old. Everytime i feel like failure as I couldn?t get mbbs. Still my teenage to final year of my college i used to be so confused about my career. As now at 27 am having clearity that i want to be a cardiac surgeon, i feel like it?s too late to restart again. I feel depressed, failed and guilty. I don?t know if its a good decision to appear for neet again or not. I feel like defeated. I dont Feel happy. This time i have a lot of passion for becoming a cardiac surgeon but i am not able to decide this thing myself. I feel helpless. I feel guilty that I couldn?t clear neet exam. On the other hand there are some of my friends who never ever appeared for neet and did bams from private colleges are really happy and don?t have any complaints from this career. Why do i only feel defeated and unhappy.
Ans: Hi,
I cannot help you psychologically. But yes if you are really serious & want to restart give it a second thought that whether you will be able to give another 10 years into study. Plus NEET has become more competitive now as almost 24L+ students are writing this year. Again you won't make it there you will be more depressed. Other option would be MBBS abroad then. But still the question is will you be able to give your next 10 years into study?

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.
Ans: It's heartening to hear your dedication to securing your children's future amidst the joys and challenges of parenthood. Your commitment to various investments, including LIC policies, SIPs, and PPF, reflects your foresight and responsibility.

While your current investments provide a solid foundation, it's essential to regularly review and adjust your financial plan. Consider consulting with a Certified Financial Planner to assess if additional contributions or adjustments are needed to meet your ambitious goals.

Remember, financial planning is a journey, and flexibility is key to adapting to life's twists and turns. With careful planning and guidance, you can navigate towards a brighter future for your children with confidence.

...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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