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Anu

Anu Krishna  |1494 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  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

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!

    ..Read more

    Anu

    Anu Krishna  |1494 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    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!

    ..Read more

    Anu

    Anu Krishna  |1494 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Dec 17, 2024

    Asked by Anonymous - Dec 14, 2024
    Relationship
    Recently, we had an Arranged Marriage. Before committing for the Marriage, we had a few Months of Courtship Period & got to understand each other well. He seemed to be a very Loving & Caring Person. Once, He asked me whether I was Virgin, I lied saying that I was, because I didn't want to lose such a Wonderful Guy. On our Wedding Night, he got Suspicious as I didn't bleed. Upon further Interrogation, I broke down & confessed the Truth that I had been Sexually Active in my previous Relationships, before getting Married to him. He got Disappointed as he felt Cheated & Betrayed. Since then, he's been sleeping in a seperate Room & not even talking to me properly, there's no Romance between us, at all. He'd also cancelled our Honeymoon Trip to Bali. He comes Home late, often having eaten out, doesn't ask me anything about my Day or even Care about me at all. He's become quite opposite of what he was, during our Courtship Period. Many times, I've tried to break the Ice & build some Chemistry between us, but he told me that he lost all Feelings for me, and he wouldn't even Care if I left him & his House for Good. He was Ready to give me a Divorce, if I wanted to Leave him. But I don't want to throw away this Marriage, I want to try & make it work, but there's no Cooperation at all from his side. He blatantly refused to go for Marriage Counseling with me. In the presence of other Family Members, he tries to act like a normal Husband, just to maintain his image in the Society. But when we both are alone at Home, he acts as if I don't even exist. Now I am getting frustrated, I don't understand what to do? I don't regret all that I did in my Past, I had the Right to Enjoy my Life, when I was Young & Unmarried & I don't owe any Explanation to anyone, about my Past. Now I feel I am being treated too Coldly just for a little White Lie. Did I really do something so Wrong that I don't even deserve to be Loved by the Person, I Married? If it leads to a Divorce, we both have got a lot to lose out on, hence I am trying to avoid the extreme Decision. But I don't have any idea as to how our Marriage can be Repaired & Rejuvenated, when my Husband is not at all interested in the Marriage? Please advise me what to do.
    Ans: Dear Anonymous,
    If you understand him, your virginity meant a lot to him...that was one of his core beliefs that one preserves their virginity until marriage. Now, he feels cheated as what he believes in has gone against him. It seems very old-fashioned to want the bride to 'bleed' on the first night and conclude that she isn't pure...I get your point, but that are his values...
    Can he change and actually look at things differently and save the marriage? YES only if he wants to...he has to commit to it...

    For you, the fear of losing him made you hide the fact. Who's right and who isn't? Neither! It's all a matter of the way you look at it; each one will hold their impressions as the truth. So, he's holding onto what he feels is his truth and unwilling to budge and make the marriage work. What can you do? Perhaps apologize for hurting him; he is hurt and angry, isn't it?

    It may seem trivial and foolish to you that he gives this so much importance in this day and age. You can't shake people off their beliefs. Anything that you hide eventually comes to bite you; so act wisely...
    - talk to him about how you feel about him and the marriage
    - tell him what he means to you and why you hid the facts that was most important to him
    - lastly apologize to him from your heart

    All this may seem 'going over the top' BUT hey, you wish to make the marriage work, right? At times, going that extreme bit can bring back things...So, if there's a 'Feminist' side of you that seems to disagree, keep that at bay for a while and ask: Do I want the marriage?
    If YES, then do what it takes...

    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  |7837 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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    Money
    Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative
    Ans: Understanding Balanced Advantage Funds

    Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

    Recent Performance Insights

    It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

    Factors Influencing Performance

    Several elements can affect your fund's performance:

    Market Volatility: Changes in the market can impact returns.

    Asset Allocation: The mix of equity and debt plays a role.

    Interest Rate Changes: Fluctuations can influence debt investments.

    Economic Indicators: Factors like inflation and GDP growth are important.

    Evaluating Fund Performance

    To assess your fund's performance:

    Compare with Benchmarks: See how it measures up against standard indices.

    Review Historical Returns: Look at past performance over different periods.

    Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

    Staying the Course

    It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

    Consulting a Certified Financial Planner

    For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

    Final Thoughts

    Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

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

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |7837 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

    Listen
    Money
    Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?
    Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

    1. Incorrect or Late Submission of Form 15H
    Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
    If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
    Ensure the form is submitted separately to each bank, post office, or financial institution.
    2. Exceeding the Basic Exemption Limit
    For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
    If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
    Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
    3. Form 15H Validity Rules
    Form 15H is only valid if total taxable income is below the exemption limit.
    If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
    4. Different TDS Thresholds for Investments
    Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
    Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
    Government securities may also have TDS rules based on the issuing authority.
    5. PAN Not Updated with the Bank/Post Office
    If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
    Ensure all investments have PAN updated to avoid excess TDS.
    6. Errors in Tax Deduction System
    Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
    In such cases, she can file an ITR and claim a refund from the Income Tax Department.
    What to Do Now?
    Check total taxable income to confirm if she qualifies for Form 15H.
    Verify all Form 15H submissions with banks and post offices.
    Ensure PAN is updated in all financial institutions.
    If TDS is wrongly deducted, file an ITR and claim a refund.
    Would you like help with checking if she is eligible for a refund?

    Best Regards,

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    Chief Financial Planner

    www.holisticinvestment.in

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

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |7837 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

    Ramalingam

    Ramalingam Kalirajan  |7837 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

    Listen
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    My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?
    Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

    1. Understanding Capital Gains Tax

    Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

    Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

    2. Tax Deducted at Source (TDS) Obligations

    TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

    3. Repatriation of Sale Proceeds

    NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

    Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

    4. Documentation for Repatriation

    Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

    Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

    5. Tax Exemptions to Reduce Liability

    Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

    Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

    6. Currency Exchange Considerations

    Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

    Bank Charges: Be aware of potential charges during the transfer process.

    7. Professional Consultation

    Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

    By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

    Best Regards,

    K. Ramalingam, MBA, CFP

    Chief Financial Planner

    www.holisticinvestment.in

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

    ...Read more

    Anu

    Anu Krishna  |1494 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Feb 05, 2025

    Asked by Anonymous - Jan 24, 2025Hindi
    Listen
    Relationship
    I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.
    Ans: Dear Anonymous,
    For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
    Now, I am going to give you an example that you may not like.
    Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

    It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

    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

    Anu

    Anu Krishna  |1494 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Feb 05, 2025

    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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