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Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 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
MK Question by MK on Aug 05, 2022Hindi
Relationship

I want to keep it anonymous.
I am a 30 years old independent woman married for 5 months only.
My husband and I were in same college but were not friends.
He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.
To which his response was that he really liked me and is ready to accept me with my inability.
I made our families met and we got engaged.
During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.
After the initial phase as we started meeting for family functions.
He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.
He started controlling me in these areas and used to get angry if I talk to my siblings late night.
I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.
In that anger he seemed like a very different person, someone aggressive.
We started fighting, arguing over petty things.
He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.
We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.
I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.
Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.
I involved my family into the matter and shared things with them.
They used to call my husband to make him understand my expectations from him.
In front of them my husband used to admit that he would change his behaviour.
He used to stay calm for 5-6 days and then continue with the same attitude.
Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.
I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.
Somehow, after so many issues, we got married.
After marriage, we went for honeymoon, but he showed a different attitude.
He started insulting me that I stare at other people, including the waiter.
He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.
For 4 days this happened continuously.
On the 4th day I told him I cannot stand him and bear his mind numbing torture.
If he sees so many flaws in my character we must part our ways, and there is not point of staying together.
He agreed but later he started apologising, asking for another chance to this marriage. I agreed.
But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.
He started controlling me indirectly for visiting my moms and relatives.
He'd taunt me for not sharing my salary with his parents.
Later I found out his work is not running smooth and he is not making enough.
The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.
He'd remain normal as long as I did things as per his wish.
If I said or did anything opposite, he'd get aggressive and disrespectful towards me.
Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.
He seemed not to be bothered about me except for the time I do something he doesn’t like.
My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.
I stopped being physical as I was feeling emotionally detached.
The fights had broken me, my bare minimum expectations were not fulfilled.
My husband also broke relations with my family and was disrespectful to them.
Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.
After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.
I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.
He says I am his only hope in life and he loves me a lot and can’t live without me.
He does the same emotional drama every time I try to part ways with him.
My family is pressurising me to give him another chance. But my trust is shattered beyond repair.
He made my cry, he pushed me into depression.
I do not respect him. He accepted me with my inability, but I feel he never liked the real me.
He is not ready to admit this fact that we have not been good for each other.
To me he seems like a male chauvinist, a dominating and controlling person.
He stays grumpy most of the time, behaves well with others but is arrogant with family members.
What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.
(I am a government officer and my husband runs a small business)

Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    You may like to see similar questions and answers below

    Anu

    Anu Krishna  |836 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on May 25, 2022

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    Hi, me and my husband are married for 12 years now, we have a daughter. Both of us are totally different, like north and south pole. He is very extrovert, tries to be the centre of attention, always needs his social circle, his work, friends circle is all that matters to him. I am a total introvert. I don't care about having friends, I hate parties, all that matters to me is my family. First few years, he made me feel that I am a misfit in this world and I had a huge pressure to be an extrovert like him. He was always like how can this famous Mr Extrovert can have such an introvert wife, that's so shameful. I tried changing myself because I was so desperate for his love and respect. All that mattered to him was my looks, how I conducted myself in front of people and after pregnancy, all that bothered him was my weight gain. I started hating myself, believed that maybe I just don't deserve to be loved. I went into depression after pregnancy. I had to leave my job to take care of my baby, his mom who was bed ridden by then, his dad who had serious health issues. I told him, thought he would at least care then. It took him 3 years after that to even come with me to a psychiatrist. He never cared. I always thought it’s my fault, tried to patch things up but now I am tired, really tired. I feel suffocated. I am afraid of separating from him. As a person, he is good but we are totally misfit for each other. I still cannot come to terms with all the emotional abuse I went through. He didn't intend to harm me, he thought he is only helping me to improve and be better but now, I don't know what to do, I am not happy.
    Ans:

    Dear SN, It’s a wonder why anyone would go to such lengths to change themselves for another; especially their personalities: what makes them who they are! All in the name of saving relationships and love.

    True love within a relationship doesn’t demand that the other person change themselves upside down, but it embraces who the other person is unconditionally.

    And what makes you think that an extroverted person has the right to change an introverted person?

    Did you try and change him to be like you? No! Then why is the reverse even being given so much importance. Also, your husband does not any right to mock you!

    His world is different from yours as much as your world is different from yours. And kindly remember: Extroverts (if you want to label them), ate people who are happy with a lot of company around them, are vocal about liking being in a crowd and having a good time spending time with people.

    They are not ones who poke fun at the way their spouses look, try and change them to suit their personalities.

    So, who you are living with right now is a man with very poor self-esteem and huge insecurities and is blaming you for these and trying to change you will make him feel better.

    Do not feed into this game; as once you begin to show that you will yield to his demands, that’s all you are going to do for life. He has to change from within!

    He has to understand that what is going on within him is the cause of his misery and not you. But of course, doing something for a spouse even when you don’t like it has to be out of your own will and not forced. Now you take a call as to how you are going to deal with this in your marriage.

    READ WHAT YOU HAVE WRITTEN: He didn't intend to harm me, he thought he is only helping me to improve and be better!

    Do you really need help or does he? You have started to actually believe that you are at fault and that it is your problem.

    Bottom line: You change only if you wish to and that too with things that don’t challenge your value systems. Never be forced into anything; period!

    Either sit him down and assert this point or ask him to visit a professional to take care of his state of mind.

    All the best!

    ..Read more

    Anu

    Anu Krishna  |836 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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    Hi Anu,I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace. He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different. I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.There is no progress in career because constantly we are under tensions. My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind. I don't know what happens to me. When he comes close to me I stop talking breaths. We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.
    Ans:

    Dear RJ,

    Is there any reason for not wanting to be sexually intimate?

    Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

    A good round of talks with your partner can help you express your exact feelings to him.

    What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

    Also, spending quality time together can ease and spruce up things a bit.

    Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

    So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

    Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

    Sex is one of the dimensions in a marriage and it can bring the couple closer.

    So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

    Be happy!

    ..Read more

    Anu

    Anu Krishna  |836 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Oct 19, 2022

    Relationship
     Hello mam,(I want to remain anonymous )I want to ask regarding my relationship with my husband.We got married in 2013 and after a month and so...He started saying I shouldn't mingle with Muslim friends who were my colleagues in my office. I told him they are good people and we've never had such kind of differences. But he got angry and from here one by one he started picking fights for each and everything. Since we are newly weds, I asked if we can explore new nearby(one day trip)places during the weekend, which he didn't do. My parents lived nearby and since we used to stay at home they'd call us on weekends for lunch or dinner. He started fighting for that also. He also started body shaming me saying I have gained weight (and everyone in his home are commenting about my weight). I had only gained 3 kgs after my marriage.He said I have relationships with colleagues even after my engagement, which was not the case. Later he said I shouldn't go out for lunch meetings arranged by the company for the whole team. He said I'm wasting time in the company and there is no bright future. I tried to find a job outside but I couldn't cope up with the demeaning and exhausting behaviour in the house and non-stop workload in the office. I agree I was a bit lazy to find a new job but I couldn't do it. In 2015 I left the job and was jobless for 2 months (this happened drastically after a big fight in his hometown that too for trivial reasons). During these two months he made my life a living hell. He would fight for the smallest of things. I had to take care of the house, his younger brother and sister. There were times when we fought because I took care more of his siblings and not him (I used to wonder why he is being hostile when taking care of his family).In 2016 we started our family planning and by God's grace we had baby in 2017. Even when I was pregnant he used to pressurize me to ask my mom to come and take care of me but my mom used to work in a different city and I was thoroughly taken care by my granny and my father. He had problems with that as well. When he started fighting for this matter, I asked him to bring his mother (I knew it was not possible because it's difficult to leave the home and come take care of me) but he kept on saying weird things and insulting my mother saying she is dominating, irresponsible.After having the baby he left me in his hometown for 1 whole year saying that till I prepare myself for the interview and find a new job he will not live with me. I kept begging him, fought with him and even tried to commit suicide because I didn't want to live there anymore after 8 months. I just wanted to come back and have my family which he denied saying he has financial problems. Ultimately I had to pressurise my parents to intervene and take me and my child to their home.Whenever he felt like seeing his daughter he used to come. Otherwise he totally ignored us. My parents and I begged him to come home and stay but he refused (we had a tight financial situation so we couldn't afford a house). My father arranged a small home without any amenities to keep his house's unwanted things. My husband said he will stay there and not in my parents’ house for which I objected. Yet he stayed there for almost 6 months. Later I found a job and moved to a new house.When the pandemic hit I lost my beloved father and my job. I could have saved him but my husband did not allow me to go to my parents place even after explaining to him the situation that my parents are facing. My father did not die of Covid but due to medical negligence. He wanted me to cook and take care of his family in his hometown.He suggested my mother and brother to take leave of two months and sort out all the legal activities which they couldn't. My brother had to leave for his job overseas and mother back to her job. She used to come every three weeks and ask for my help to get things done. He got angry for that and kept on blaming me that I only take care of my family and not him. After my father's death he started insulting my mother. He even made his father to call my mom and talk cheap with her and my brother.Fast forward to now, we have been fighting non-stop and every week there will be a fight, name calling, vulgar words exchanged. He stops talking to me for months together and there has hardly been any physical or emotional intimacy. Even after I confess, cajole and plead with him to sort out our family, he agrees momentarily and again within a week there will be a new topic to fight on in such a way it goes to extremes.This roller coaster ride -- the fights in our relationship -- has affected my child immensely and sometimes for the sake of the child we plan not to divorce each other. But I'm guilty that I'm not providing my child a healthy environment. That I'm not a good wife. I'm confused whether I should continue in this relationship or quit it for the betterment of the three of us because I cannot take this emotional abuse and have my child watching me cry non-stop. Please guide me if my husband will change in future. Should I try counselling or do I divorce him? Because whenever I keep my hopes positive, he goes back to his old ways.
    Ans:

    Dear VS,

    You are married to a man who gets his self-esteem and validation by showing you in poor light, exercises control by telling you who your professional/social circle should be, makes you weak by detaching you from your parents and those who are your support system.

    Does this put things into perspective for you as to where you are in within your marriage?

    Once you fulfil the above, he might be willing to somewhat accept you, but there will be constant new demands to keep his self-esteem high. It’s all about him, him, and him.

    Does he need to visit a professional who can guide him to a better way of thinking? Yes, but that will happen only when he acknowledges his false sense of existence and flushed ego.

    If that is possible, do visit a professional who can help him ably and then he might be able to see the marriage in a new light and his contribution towards it.

    Till then, this seems to be a battle with a child who is adamant about getting one candy and then another and yet another and then crying out loud when denied.

    The child is absolutely growing up in an emotionally challenging environment and this will obviously affect his growth, both physically and emotionally.

    I am glad you have been thinking about what to do and now you know what an absolute must-have for the marriage is, to continue.

    He must change the way he thinks and acts and treats you like his partner and not someone who was married to him for his sense of validation and self-esteem.

    Be wise, watch and decide!

    All the best!

    ..Read more

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    Career
    I am a 41-year-old consultant working for an IT firm for the past 16 years. Lately, my job has been very demanding. I have been working 14 to 16 hours at work, with no weekends or holidays. The work pressure is taking a toll on my physical and mental health. I was unwell for two weeks and have been advised by doctors to consider taking up a less stressful job. I have a masters in finance. Do you have any suggestions on what alternate career options I could consider?
    Ans: Absolutely, it sounds like you've been burning the midnight oil for quite some time! It's crucial to prioritize your health and well-being, especially when the demands of your job start to affect you physically and mentally. Let's explore some alternative career avenues where you can still leverage your expertise and experience in finance without the overwhelming stress:

    1. Financial Technology (FinTech) Specialist:

    Step into the world of FinTech, where your expertise in IT and finance can revolutionize traditional banking and financial services. By developing innovative solutions that streamline processes and enhance user experiences, you'll contribute to a more efficient and accessible financial ecosystem, all while enjoying a less stressful work environment compared to client-facing roles.

    2. Cybersecurity Analyst in Finance:

    Protecting sensitive financial data is paramount in today's digital landscape. As a cybersecurity analyst specializing in finance, your dual proficiency in IT and finance equips you to safeguard financial institutions from cyber threats with precision and expertise, all while enjoying the stability of a role focused on risk mitigation rather than high-pressure client interactions.

    3. Quantitative Analyst (Quant) in Finance:

    Dive into the world of quantitative analysis, where your technical prowess and financial insight can drive data-driven decisions in portfolio management, risk assessment, and trading strategies. By leveraging your combined knowledge, you'll excel in roles that prioritize analytical rigor and strategic thinking, offering a more predictable and structured work environment compared to consultancy roles.

    4. Financial Systems Analyst:

    Become the bridge between IT systems and financial operations within an organization. Your ability to optimize financial software systems while ensuring compliance and efficiency will contribute to smoother workflows and reduced stress for finance teams, offering a rewarding blend of technical problem-solving and financial acumen without the demands of client-facing roles.

    5. Data Scientist in Finance:

    Unlock the power of data in the financial sector, leveraging your expertise in IT and finance to extract actionable insights from vast datasets. By applying advanced analytics and machine learning techniques, you'll drive informed decision-making and strategic planning, all while enjoying the autonomy and intellectual stimulation of a data-driven role with less client pressure.

    In these specialized roles, your unique blend of IT and finance knowledge positions you for success in environments that prioritize innovation, efficiency, and strategic thinking over relentless work hours and client demands. By capitalizing on your strengths and pursuing a career path aligned with your interests and well-being, you can achieve professional fulfillment without sacrificing your health and happiness.

    ...Read more

    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

    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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