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Anu

Anu Krishna  |1350 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 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
AS Question by AS on Jan 04, 2022Hindi
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Relationship

Hi Ma’am.
I’m having a problem with my parents about my marriage.
I’ve been in a relationship for three years and I want to marry him.
My parents are not agreeing as it is a society issue because it is an interstate and inter-caste marriage.
I'm trying to convince my parents for that since long time but it's going nowhere and they are too stubborn to even meet him once.
What can I do in this situation? How can I deal with their emotional drama as a parent-child relationship should not break because of these issues? Kindly advise me, Ma’am.
AS

Ans:

Dear AS,

You need to focus on how you can marry the person you love and also have your parents support you.

Is this possible?

There is a chance only if you take them into complete confidence and appeal to their logic.

Many societies are still against inter-caste marriages and I am sure they have their reasons for it, just like your parents have strong reasons to oppose the marriage.

Have you tried to find out why they oppose it? Are they worried about how they will face your family members as this is a big thing across cultures in the world?

As their daughter, you have connections with them as well as the right to live your life your way. Bring in an elder member of the family and ask him/her to appeal on your behalf. If this doesn’t work, you might be forced to decide one way or the other.

Whatever you do, do it with conviction and maintain relationships along the way. It may be an uphill task but breathe, smile and live life.

All the best, Happy 2022!

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Relationships Expert, Mind Coach - Answered on Mar 26, 2024

Asked by Anonymous - Mar 25, 2024Hindi
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Hi mam, actually I am having a trouble in my relationship. Me and my partner are from different castes but we love each other. Due to the fear of my parents I told him some days back that my parents will never agree for our marriage as he is one year younger than me, he is from different caste and we both are in the final stage of our professional course and have not gone for job yet. But we are unable to leave each other and keep on crying. Now I am thinking of talking about this to my parents once my exams are over in a couple of months because I'm already 24 and they will start looking for alliance for me. But my partner is like there's no problem on his side but he doesn't want me to hurt and ruin relationship with my parents due to this disclosure and says that its never going to happen with heavy emotions and teary eyes. I am also unable to control my emotions and tears. Please advise me on what to do please mam....
Ans: Dear Anonymous,
Well, your partner is being kind and thinking for you and your relationship with your parents. It is a nice trait to have to be empathetic but it may cost him the relationship. And he has taken this stance only because you have talked him about how fearful you are of your parents.
I guess instead of giving up like this, why don't the two of you sit down as adults and discuss how to talk to your parents and make this happen. When you act against what society and family set as norms, you should have expected something to go against the fairy tale event, right?
Since you did not set this tone in mind, now it's about taking the bull by the horns and finding what's the best solution. Why give up?

All the best!

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Relationships Expert, Mind Coach - Answered on Apr 18, 2024

Asked by Anonymous - Apr 17, 2024Hindi
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Relationship
Mam i am in relationship for 9 years now..he became my boyfriend when i shifted in my new house he was my neighbour..i was in 10th when i got caught and since then my parents hate my boyfriend , i apologized to my parents then and said to have no contact with my boyfriend but 9 years down the lane ..we are totally connected and living a peaceful healthy relationship..my parents hate my boyfriend and his family to the core..my relationship with ny parents are.mixed someday they will be super nice to me , another day they will abuse me for evn small things..we have ups and down in our relationship but i love them a lott , i want to care of them in their old age..but at this point i want to talk to them about my boyfriend but seeinng that they hate him so much i am literally very very afraid that my parents will hate me to their core knowing about someone i want to marry whoom they hate soo much ..... i don't know how will they react .. i am been through physcial and verbal abuse earlier too but i don't know how much worse it can get this time..for them the girl who marry their parents choice is the best in the world..my boyfriend and i have no caste issue its just the ego issues with my parents they think karrying into that house they will never able to have good enough respect though my mother and his mother talk..but that too my mother bitch a lott about her mother for even nonsensical things..i am 24 now and preparing for government exam ...i am soo much stress knowing i have to choose between my love or my parents.....i think so even if i marry him with their superficail consent they will never be happy woth me..and can even cut contacts with me...i don't know what to do i have no elder in my house to make parents explain...mam plss show me some path
Ans: Dear Anonymous,
No where have you mentioned what your boyfriend does for a living? Could this be the reason that your parents refuse to acknowledge your relationship?
Parents want the best for their children but at times their own beliefs on love marriages etc can come in the way. Since you are an adult, it is time to actually start acting like one. My suggestion is to have a conversation with them and understand the reason for their refusal to accept your boyfriend. If it is one of society and family objection, then you know how to handle it BUT if their concern is more about his character or his job, you both need to make an effort to take away that concern so that they accept all this wholeheartedly.
Find the reason and things will become clearer as to how you must handle the situation.

All the best!

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Relationships Expert, Mind Coach - Answered on Jul 21, 2024

Asked by Anonymous - Jul 20, 2024Hindi
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Hello, I'm in a relationship with a guy for last 2 years. We both stay in another country, and we met there. He is a PhD student and I'm a MBA student. We both are about to graduate from our respective courses. We both have a 7.5 years of age gap and he is from Kerala and I'm from Delhi. We both love each other, and are ready to fight for our relationship. He spoke to his parents, and they're very happy with us, but when I spoke to my parents, they made huge issues, and started saying, we will die if you marry him. We will die, you can take your pheras around our burning body. And they came up with some negative stories about him, which is not true. We both are very career oriented people, and respect each other decisions. I'm not saying, my parents won't have an issue, they will, since its about North-South India, also different cultures and Age gap. But they're bringing up issues, that I can't even mention here (political issues). I spoke to my parents first time face to face about this, and they said all that. To which I didn't argue, because I understood, whatever I say right now, they won't listen to me. I just told them, whatever you say, is okay. Can you please guide me with how to talk to them, and convince them?
Ans: When you next speak with your parents, choose a calm and private setting. Start the conversation by expressing your love and respect for them, acknowledging their concerns, and stating your commitment to understanding their perspective. Share your genuine feelings about your partner and the relationship, emphasizing the mutual respect, love, and career aspirations you both share.

Highlight the positive attributes of your partner, focusing on his education, values, and how he complements you. Address specific concerns your parents have raised, providing clear and respectful counterpoints to any false accusations or misunderstandings. If possible, arrange for them to meet him or speak with his parents, as this might help bridge cultural and regional gaps.

It’s important to be patient and give your parents time to process the information. They might need multiple conversations to come to terms with your decision. Lastly, consider involving a neutral third party, such as a trusted family friend or relative, who can mediate and provide a balanced perspective.

Your goal is to maintain a respectful and open dialogue, showing empathy towards their concerns while standing firm in your decision. This balanced approach can help gradually shift their perspective and foster acceptance.

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Ravi Mittal  |450 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 03, 2024

Asked by Anonymous - Dec 03, 2024Hindi
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Hello, my wife is Ugandan and I’m of English national, 30 years old and she’s 26, we met nearly a year ago and got married in uk with some of her friends and small family. We haven’t done kuchala (not sure if that’s correct spelling) yet and I’m feeling anxious for when the time comes. She said her family will kneel when they greet me and being white this is already stinging my moral (due to history). I also talked about moving in together before the meet the parents happen however she says she’s rather move in after? Currently this could take two years before going to Uganda, how should I proceed without overstepping her cultural beliefs as after all we are married and by my culture we should already be living together
Ans: Dear Anonymous,
It is very nice of you to be so considerate and sensitive while handling these cultural nuances. Let's discuss the kneeling tradition. It's a sign of respect and it's deeply rooted in Ugandan culture. While I understand your point of view, you also have to remember that it can have significant meaning to her and her family. I suggest you politely express your feelings and let her know why it is uncomfortable for you to see her family kneel. When you explain, mention how much her culture means to you as well. I am sure both of you can communicate and come to a compromise that makes you both happy. Just in case, they persist in following the ritual, just look at it as a gesture of love and respect and not submission.

About the moving in together part, in certain parts of the world, couples living together before the traditional wedding is not considered respectful. But since you are already married, you can try explaining to your wife how the living situation does not go against her cultural expectations. But if it is a really big deal for her and her family, consider seeing it from her perspective.

Communication is everything here. Look at every problem as a team; it's not your problem vs her problem. It's both of you vs the problems.

I hope this helps

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Radheshyam

Radheshyam Zanwar  |1088 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 03, 2024

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I have received a job offer from Siecorp ,a Singapore based company though my posting would be at my hometown . They have asked me to submit all credentials related to education & job experiences which is quite normal but they have asked the following documents also which they said would help me to arrange through some agent by payment & the same would be reimbursed during first month of employment . Earlier also another overseas company asked for the same & I denied to make payment before having the job in hand . 1. Construction Health and Safety Technician (CHST) – Compulsory 2. OSHA Safety Certificate – Compulsory 3. Safety Trained Supervisor (STS) – Non-Compulsory Kindly advise whether these certificates are really required to be submitted to join any foreign company or any sort of cheating business regards,
Ans: Hello Bipradas.
From your query, it is clear that you have offered by job by a Singapore-based company and they are giving you a posting in your home town. You did not mention anything about the work culture of the company. It simply indicates that you are supposed to work from home which is always related to computers. I think there is no harm in producing the required documents through an agent if they are offering you a handsome salary. The requirement for documents differs from company to company. There is no harm in submitting the mentioned documents. If have fear in your mind, then please go through the profile of the company in detail before submitting the documents. There are many ways to check the authenticity of the company. There are some chances of cheating, but everybody is not indulged in the same category. But take the steps with utmost precaution.

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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 03, 2024

Asked by Anonymous - Nov 29, 2024Hindi
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Money
Hi , I am 46 year old and trying to see if i can take an early retirement in next 2 years. Below is my financial condition; - Mutual fund 40Lakh - FD 30 Lakhs - 2 rental yielding flat with total rent of 55000 per month - Own house with no loan. - PF 80 Lakhs - NPS 10 Lakhs - PPF 20 Lakhs - Term insurance 50Lakhs
Ans: Your financial position shows good planning and discipline.

Assets Summary:

Mutual Funds: Rs 40 lakh
Fixed Deposits: Rs 30 lakh
Rental Income: Rs 55,000 per month from two flats
Own House: Fully paid, no loan liabilities
Provident Fund (PF): Rs 80 lakh
National Pension System (NPS): Rs 10 lakh
Public Provident Fund (PPF): Rs 20 lakh
Term Insurance: Rs 50 lakh
You have built a diversified portfolio across multiple asset classes.

Assessing Early Retirement Feasibility
Early retirement in two years can be achieved with strategic planning.

Key Factors to Evaluate:

Monthly Expenses: Calculate post-retirement expenses, including inflation.
Income Sources: Ensure rental income, investments, and withdrawals meet your needs.
Wealth Growth: Balance corpus growth with income stability.
Monthly Expense Coverage
Assume your future monthly expense is Rs 1.25 lakh.

Existing Income Streams:

Rental Income: Rs 55,000 monthly provides 44% of estimated expenses.
Corpus Withdrawals: Use investments to cover remaining expenses.
Adjust for Inflation:

Plan for a 6% inflation rate to protect purchasing power.
Investment Strategy
Align your portfolio for growth, stability, and liquidity.

Mutual Funds:

Continue investing in equity-oriented funds for long-term growth.
Opt for actively managed funds through Certified Financial Planners.
Avoid index funds; they limit opportunities for alpha generation.
Fixed Deposits:

Reallocate a portion to debt mutual funds for better post-tax returns.
Retain some FDs for emergencies and short-term needs.
NPS and PPF:

Maximise NPS contributions for additional tax savings.
Allow PPF to mature for risk-free, tax-exempt growth.
Corpus Withdrawal Plan
A systematic withdrawal strategy ensures steady income.

Use Systematic Withdrawal Plans (SWP) in mutual funds for monthly cash flow.
Keep withdrawal rates below 4% annually to sustain the corpus.
Children’s Education Planning
Your son’s education may require significant funds.

Steps to Plan for Education Costs:

Use PPF maturity or mutual fund proceeds for higher education.
Avoid using retirement corpus for educational expenses.
Risk Management
Protecting your family is as critical as building wealth.

Term Insurance Coverage:

Rs 50 lakh is adequate for income replacement.
Ensure policies are active and nominees updated.
Health Insurance:

Opt for a comprehensive family floater policy with Rs 20–25 lakh coverage.
Keep health-related emergency funds for additional expenses.
Tax Planning
Efficient tax planning maximises post-retirement income.

Mutual Fund Taxation:

Equity fund LTCG above Rs 1.25 lakh is taxed at 12.5%.
Short-term gains are taxed at 20%. Plan withdrawals carefully.
Fixed Deposit Interest:

FD interest is taxable as per your slab. Consider this in income planning.
Real Estate Considerations
Your rental flats provide steady income.

Points to Consider:

Avoid further real estate investments for better liquidity.
Keep properties well-maintained to ensure uninterrupted rental income.
Healthcare and Emergency Funds
Unplanned medical costs can affect your finances.

Steps to Safeguard:

Maintain Rs 10–15 lakh in liquid assets for emergencies.
Regularly review health insurance coverage to meet rising costs.
Assessing Early Retirement Timing
Your early retirement is achievable by 48 years with careful execution.

Why This is Feasible:

Rental income and portfolio can meet monthly needs.
A diversified asset base ensures sustainable returns.
Finally
Early retirement is within your reach with disciplined planning.

Review your financial plan annually and adjust for changes in needs or markets.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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