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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2022

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Anonymous Question by Anonymous on Apr 20, 2022Hindi
Relationship

I am from mechanical background and work as an engineer. My wife is an IT professional. We got married in 2014 by finding through matrimony site and same caste.
I belong from Haryana and she is primarily from UP and we have grown in different cities. She has one sister (IT professional) who got divorced in 2012 and married again in 2014 after our engagement.
Everything was fine. The story started after the engagement.
I noticed she used to talk her jija
(PG guest house renter) and I showed him caution since she did not attend my call in between.
I again noticed her commanding behaviour when we were selecting the menu selection (food) for the upcoming function that was to happen at my place but I ignored it.
Honeymoon was in Singapore where his brother played a role for ticket arrangement and agency where I paid her half the amount as per her wish.
In the honeymoon also, I noticed she use to go to the bathroom and keep sending information to her family members which I ignored.
By now I was of a view that she use to share thick and thin with her family members. After we married, I was supposed to go to Pune for two nights and she was alone in our flat.
When I came back, I asked the security guard to share visitors list and saw her jija’s name (might be with her sister). I took a photo and went to the flat.
I asked her anyone had come and she lied to me. Then it turned to be a hell fight and in the morning she put herself on her knees and said sorry and said it will not repeat.
But this did not stop here. My and her office was in Gurgaon and sometimes she said please come for pickup. I went to her office two hours prior to her given time and caught her again with her jija and her sister.
This kind of stuff I noticed two-three times. Once, we were roaming in a craft mela and we came across her jija and her sister.
She used to go her home without telling for how much time she is going and all.
This resulted in no stuff shared by me also. Her parents never called me and I also never connected with her parents and brother or her family.
Whenever any fight happens, she shouts loudly to attract attention and she uses sex as a tool to forget every matter and move on.
On the festival front, she carries on with her ways and has never accepted our ways. She always mentions, ‘Tum logon ko puja bi nahi karni aati.’
Her brother and parents visited only five-six times in seven years. They have a big time connection with elder jija.
We have never take any penny from her salary till now because, on many occasions, I found her of ill-mentality. With God’s grace, we have two flats and our financial background is good.
Whenever I try to ask her about her bank balance, she never gives answers. I tried to convince her that you pay my loan, I will give you EMI, but she always said she will think about it.
I have four sisters. After we married, we visited them. She never gave them a penny and would always ask me; she would also say that I don’t have khulle paise. On one occasion she said, “Mere paise chori ho gaye.”
It was the initial stage so we ignored it. But after that my shirt went missing and some stuff went missing. We also noticed a few times that our money was also stolen. We suspect her but are not sure about her behaviour.
My sisters stay in the village and they came once in a year so there is no disturbance from my family.
My mother is 75 years old and a very polite lady. She stays with us and interferes nothing in matters.
We have two kids now. One of our kids is just ignoring her and the second kid is somewhat going with her and when I am at home he also usually spends time with me.
She is never kind of playing and mixing person with kids and my behaviour is to mix and that’s the reason both kids connect well with me.
Her parents stay in Dhanbad. She had gone there one year back but the kids refused to go. She put the blame on me. I told her that I can come along with kids to which she said big joke.
After coming back from home, I notice she started saying no to everything -- like going our second home in the village or to attend any ceremony or saying no to sex, etc.
Though I am a through gentleman, we ignore her but recently she provoked me and I said blah, blah, blah since she also use blah, blah, blah and recorded and called her brother and mother at our home.
They use her father only for calling. Her father called and said, ‘Why are you using bad language?’ I said the same was used by her.
They came my house twice for meeting. Her brother was quiet and mother overspoke.
My wife used to threaten me three-four time for divorce and I kept ignoring her words. I mentioned this to her mother. Her mother in that meeting she will be here with taunting.
She did the same thing to provoke second time and this time her mother use to never stop shouting along with my wife. Her brother also used abusive language and they brought one retired inspector. However, that retired person talk genuinely. He was from Haryana and, on many points, he mentioned festivals have family traditions.
I never like her food in seven years not due to the bad reflection but due to her making recipe. I tried to change it in initial days, but she always tries to be heavy on me once I approach kitchen. So I left that and started eating. After two recent fights, there are no talks and I have kept one maid to cook my food.
Now she used to go in the market/bank /her family frequently to disturb the atmosphere of the family.
The big disconnect I found is she is full with backbiting and negative approach behaviour and never gives heed to positive behaviour. Either she will be quiet or she will be loud and attach no midway to discuss and debate.
After all this, what I concluded is that my wife is totally hacked mind and adopted ill tactics to down me. Her family members are playing smartly and may be using her money also at the same time I observe that she don’t want to break with me.
They want to put pressure on me by emotion/threaten means for the gaps (kids are not connected with her or her family).
My thinking is time is a big healer and I have large mind to digest the situation comings. Please suggest me what can be best interest of this situation.
Thanks

Ans:

Most of what you have written makes no sense.

If she is attached to her sister and brother-in-law, or even to her whole family, that should not be an issue for you. They are her family.

It’s not like she’s having an affair. And it’s not like she spends an unreasonable amount of time with them, is it? In fact, her parents are not even in the same city.

You not liking her cooking sounds like a complaint from the Middle Ages -- hiring a cook seven years ago would have helped instead of fighting!

And if she has a temper problem, that can be addressed as well, with mature discussions between the two of you. Involving other family members there is a mistake.

You’ve given importance to so many non-issues in your mail to me that I’m wondering where exactly the problem lies. Visit a marriage counsellor -- both of you.

 

You may like to see similar questions and answers below

Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

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Dear Love Guru, My wife and I are in an arranged marriage since around 15 years and there is nothing that we celebrate about our relationship, except kids which are the only reason for our existing relations. I am working abroad and have visits for a month on vacation after every couple of months. After marriage, I noticed my wife’s flirting behaviour with strange men (to seduce) during many occasions but initially ignored it. However, I found it frustrating when I felt her to be habitual flirter. I then spoke to her, which was after around 2.5 years of our marriage, and she denied the matter. Soon noticing such perpetual habits about her, we went on for non-talking terms some time and then a storm broke out in our house. My parents and her parents supported her, since I couldn’t prove any of her behaviour. She has been lying since her behaviour was noticed and even after that, but my love for her and my child (at that time) made me feel that probably that I need to avoid any suspicious behaviour. Such storm was repeated even recently few years earlier. I had thought my idea of a second child would improve our relations, but it hasn’t helped. I could still notice her flirting behaviour with strangers and even with known personnel including my relatives. I even believe her to be in relationship with one of my cousins, based on my observations of their behaviour during our every meet, which I cannot speak of due to my previous experience and which will otherwise definitely terminate our relations. Actually, we are never on good terms these days whenever I visit home and mostly converse only if required. We are also not good in bed and I have also been feeling a low erectile in bed these days. These moments have affected me psychologically and I feel very negative about our relationship. My family remains my priority and I have been trying to see that we all are all happy as a family. I have even sacrificed my own family time for better earnings so that my family can get all the best in life. She takes good care of the children and manages the house nicely. I also ensure that we, as a family, go out on long journeys for travel and my children are everything for me. I have trying to cope up with all this by focusing on work and socialising with friends to the best extent possible. However, her behaviour (in spite of my presence) makes me feel negative. How can I deal with the matter since any re-attempt on my part to speak on the same matter, even if cordially, with my wife will create another storm like earlier? I wish to sort out the differences and need your advice. Should we meet a counsellor separately on this to sort out the matter? Keep me anonymous and respect my privacy.
Ans:

You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

And instead of addressing the issues, you decided to go ahead and have a second child?

Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

From everything you’ve told me, you seem to come across as an insecure husband.

I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

I do think marital counselling is in order. And yes, maybe separately at first and then together.

Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

 

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

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Relationship
Hi Anu, I want to be anonymous on this.I'm 34years old and married 4.5months ago. It was an arranged marriage, we are from different caste. I'm a partial handicap person; I have issues with my leg. I am having issues with my wife's behaviour and I am looking for some consultation. During the initial conversations before marriage, she agreed on everything -- cooking, keeping me at bay on all works. I even informed, I don't like people who get angry and instead I like to discuss the issue and get it sorted out.But after marriage everything changed. From Day 1, she got angry on very little things like not giving hug/not drinking milk, using the phone while eating, laughing with colleagues while working or even if I cooked without informing. Getting angry is fine but she locks herself in a room for 5-10 hours and won't even respond to me. That irritates me the most. If by chance the door is open and when I enter, she won't see me and just go away like I'm some sort of stranger. I explained a lot but conveying this is wrong and it hurts me a lot, but still she does the same. I cried like a baby when I held her for not allowing her to leave the room.This has become a habit. In 4.5 months this happened for 2-3 months. My parents came home recently. Even during that time when we went out she got angry on a few things. I am not sure what it was about. When I am with family, I should respond to their needs but can't stay with her completely right? Why she can't understand it?I have to plead with her 1-2 hours to talk to me on the issue and then she tells me 'I did this/that and due to this, she got angry like the one I gave example above.She doesn't wake up till 8:30 or 9am. She won't cook or help me with household activities. And even when my mom came to teach her cooking, she didn't go. But in general, she says I want to learn cooking and especially learn what my husband likes.How much I can do? I'm getting frustrated with this behaviour and even informed her 'You're making me afraid to talk to you thinking what might get you angry.' Still no use. Please help me.
Ans:

Dear SD,

I have heard your side of the story but haven’t heard your wife on the same issue.

It seems the way you have described that your wife’s behaviour is unreasonable and selfish.

But I do believe that it takes two to tango.

What ever made her turn around differently from what she agreed upon before marriage?

Was she forced into this marriage?

Maybe it’s time to ask her:

What can I do for you?

What about me or my behaviour annoys you?

These questions shift from blame game to a solution space where you also take on the onus along with her to make the marriage work.

Obviously, something isn’t going on right and instead of bringing more instances that will prove that she’s at fault, why not bring in a space where the two of you work on your marriage.

Most times, just a shift in this thinking saves marriages and relationships.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 30, 2023

Asked by Anonymous - Jan 27, 2023Hindi
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Dear Anu, I am married for 24 years having two grown up children. Both are studying. My wife is not working. She had been adamant and spendthrift since the beginning of our marriage. Just to maintain peace I was putting up with her undue demands. Than in last decade my business suffered for quite sometime still I sold some property and managed the household expenses. Than in 2017 the business started picking up and it started doing well. but having learned the lesson I became very firm with wasteful expenses. And by end of 2017 she broke all ties with me, and started sleeping with our daughter in her room. Now since last six years we are hardly talking to each other despite living in the same house . Her parents are also hand in glove with her and disconnected with me. I also came to know lot of factors about her family. Her father claimed to be a businessman before marriage and later I learned he was working in subcontracts division of a company and making money by illegal means from vendors. He was a heavy drinker and had relations with many women. I also came to know that her father had thrown his father out of house and that old man had died in a temple. To make matter worse her parents are having one more daughter which they claim to be given to some family member and now they don't have any relationship with that girl or the couple to whom they have given their daughter to. So prima facie they have a child or children which they have hidden from society. We attended marriages of her uncle's daughters out of Mumbai. His uncle and his family attended my marriage and marriage of my wife's only brother. Now after all marriages are over they have broken up with that uncle too. He is real brother of my father in law. Her aunty expired two years back I offered to call her uncle and offer condolences she said no need now relationship with uncle is over. With all these I am able to come to a conclusion that the family doesn't value relationships and once their purpose is served they discontinue the relationship. Due to constant problems my children have also become very adamant and are not concentrating on studies. Kindly suggest what should I do in the given situation. Can the marriage be annulled on the grounds her family concealed vital information before marriage. I offered her to go for marriage counselling and therapy but she refused. Please suggest some suitable solution.
Ans: Dear Anonymous,
Too much of a mess, yeah?
Why they hid certain facts and what impact that has had on your marriage is something that you are experiencing. Relationships are built on trust and honesty leads to that trust. You possibly feel being misled multiple times over and it will indeed affect the mind state of your children.
Good that you have woken up to this NOW.
Are you sure that you want to end this marriage? Or is there a possibility of saving it?
If you want to end it through a legal recourse, find an able lawyer who specializes in divorce cases. She/he will advise you on annulment or mutual consent divorce or filing for one. These options come to a better choice when you seek an expert in legal matters.
In the meantime, keep your mind in a place where it is calm. Too much of muddle and constant over processing will make you have bitter thoughts and keep you engaged in stress building situations.
Accept what's happening (difficult, I know)...but doing this will enable you to take the right decision not only for your life but also for your children. Also, I suggest spend a lot of time with the children and teach them not to take sides of any parent.
Whatever you decide is going to impact them and they must be prepared anyway. So, talk to them like they are grown ups and let them grow into it supporting you both rather than be caught in the cross fire.
I am sure if you have had the courage to understand what has been happening to you, you can surely take additional steps to safeguard your mind space and do what's right for the children as well.
All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Asked by Anonymous - Apr 06, 2023Hindi
Relationship
Dear Anu I am a 46 year old man .. married for last 16 years... My wife is well educated but a house wife by choice.. I lost my father when i was 18 and had struggled a lot to gain a great life in terms of money, name in my field and satisfaction at work. At home front we live a nuclear family... me, my wife and my 12 year daughter. But after my marriage in 2006 for next 6/7 years we were in joint family. my daughter was born in 2010.. In joint family me, my younger brother his wife and my mother were members... during these years, my wife never got along with my mother, brother and his wife... and also had fights [severe kind] where she accused them for petty reason...she demanded separate house within 3 month of marriage.. but since I was not financially settled so I promised her we will buy own home in course of time... but over these 6&7 years her behavior started really erratic.. she stopped talking to everyone, and keep fighting with all my family. also the house with joint family owned my me and younger brother... she demanded i should sell the house and get my share to buy own house. which i refused as my brother and his family with my mother were also staying there... and while buying it my mother had helped us financially, without having her name as owner. over the period things became really bitter... we also had fights where out of anger I happened to slap her.. but as promised I bought another house [with lot of efforts since i m self employee] within 5/6 years and we shifted to another city around our previous house. but after shifting she had the same temperament. She never got along with me.. Over an argument she would stop talking to me, and when confronted she would mention about my share in old house which i left... she was not happy seeing my brother living in that house with his family and my mother... i told her as promised we bought this house and I haven't withdrew my share in that house.. may be over the year i will take my share as per market value.. but at this point we don't need to do it.. since it will involve a lot of turbulence for my brother, his family and my mother as they were settled there. so I strongly told her she should not think about as she have her house and focus on it. Over these time, we had a very cute daughter... growing.. her schooling started.. i got busy with my work... and my wife by choice chose to be house wife... taking care of house... but she was hell bent on the house issue over selling it and taking my share.. and due to that we had several fights... which became my life miserable. her point was why pay EMI when you can get share and pay off the loans for new house. in these 8/9 years she became bitter person... no ties with my relatives /cousins, no friends, never got along with neighbors... and opposite to that i have very cordial relation with her family, cousins, my family and have great social circle. when my daughter was 10 year old, i was already settled with good career and financial status... i had cleared all the home loan for our new home... i did everything all out to make her happier but her wish to sell that house where my brother with his wife and my mother i didn't take share or sell it.. and she keeps nagging me with that and her temperament getting worst... now she started accusing me for having an affair and threatening me that she will complain police if i argue with her. unfortunately my daughter had to see this... but my daughter is very sorted, focused and a good kid. In last 2 years i managed to buy another house, which is bigger, where we shifted 1.5 years back, she wanted to do a puja and refused to invite anyone from my family.. also bought one more house as investment.. and a farm too as second home... Im very happy and satisfied with my career and other aspects of life... but the bitterness of wife kept on increasing... sometimes i felt she wanted me to fail and she could just take the pleasure of making me feel how she was right.. which never happened.. Now she is completely out of touch with my family... her anger triggers when i speak to my brother , my mom, Now over these years my brother also managed to earn some money and he paid me an amount as part of my share for the house he is living.. which we mutually agreed among us... and i withdrew my name from that property... i informed this to my wife.. first she didnt believe.. and then she was not interested in it.. so basically over these years i managed to fulfil everything what i promised also took my share from the joint house even i was not very happy with that situation. but all these incidences.. my wife became a difficult person to deal with... be it talking a simple conversation or smallest issue.. we don't have any physical relation .... we sleep in different bedrooms.. my wife also became too possessive and control freak with my daughter.. my daughter is 12 now and she retaliate with it.. so even they keep fighting now... me and my daughter have a great bonding... over these period i started feeling that i married a wrong person.. sometimes i think of divorce but i m worried about my daughter.. and also lot other things as im 45 already.. i wont say that i have never done any mistake while these 16 years but i never chose to disconnect with my wife... i worked really hard to earn money to build a good fortune for my wife and daughter... but looks like she doesn't care... and she takes me completely for granted... she thinks i wont leave her and will be stuck around.. i also advised to visit a therapist or counselor... or join a meditation or do anything she likes to do... be it creative or extra curricular.. but she just ignores it... i am into creative field and this domestic chaos sometimes really bothers me. it never effected my work yet but i m worried it might just. Let me know your opinion... if there is something i can do more to help this mess with my wife.
Ans: Dear Anonymous,
Clearly your wife has a streak of wanting people to want her, literally where it comes off as her being possessive of them (I gather this from what you have shared). I only have a one-sided view and don't know fully well why your wife chooses to be possessive.
She does not want to share you or what you earn with your family; it only suggests that she is worried about losing both. It may seem like they are unfounded fears but they exist in real for her.
Obviously your pleas to see a counselor will better her life and it is easier to stay where she is as nothing needs to change. It seems relatively clear that she fears LOSING!
How this got there or did it become even more evident because of the tussles between your family and her; no one knows. You would not completely know what transpired between your wife and your family; but something has triggered within her to hold on to her beliefs.
Anyway, it is difficult to be where you are; but the only way out is to have a person that is neutral to handle this. It could be a mutual friend, a senior member of her side of the family, a person that she idolizes...anyone who can in a very unbiased manner approach the situation and bring out the fears.
In the meantime, you can spend more time with your daughter and give her a sense of protection and care and at the same time ensuring that she empathizes with her mother. Matters like these can go sour overnight and YES, you have held on so long, give it some more time but do facilitate the neutral person to do an Intervention ASAP.

All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2023

Asked by Anonymous - Dec 15, 2023Hindi
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Hello, I have been married from 15 yrs. I have a 9 yrs old son with me. In oct 21 my wife (age 38) started making REELS on insta of the facial acting. She got involved and told me that she is just doing for followers and like. People used to comment good and bad which i didnt like. She was trying to make young guy friends. In april 2022 she had an affair with a 22-year-old boy who was not even financial stable. I could she changes in her every day. In June 2022 I caught her and she confess that she did affair and also done physical relationship. I had unconditionally loved her all these years and didn’t wanted to let her go. Also, didn’t wanted to hurt my son by taking a divorce. That guy refused to keep my son and their relation broke, but my wife still loved him and missed him. Few months she was in depression and I took her upmost care and swallowed what she did. I just told her that please come back to our life as you were before but she was not getting back. There used to be few quarrels, she was just staying alone within herself and I never felt that love which she used to give me. Later in feb23 there was a marriage at her family and I agree to go with her so she may get that feel during our times and she promised me to enjoy the marriage and make love with me. But she was happy with her relative and didn’t even bother to make that love and affection with me. from that time, I used to get angry and fight with her. I went into depression. In May 2023 she was getting worst and one day fight increased and I asked her to leave my house which I wasn’t intentionally wanted to. She left and went missing 24 yrs and then called from her mom mobile who was in her village, since she didn’t come back home and from last two month, she has been asking me money for herself and says it’s her rights. She doesn’t bother for my son and just show that she loves him. She works and stay with woman from 6 months and I’m looking after my son all alone. I told her u can work but just come home and make things better for my son. Her conditions is to give money security (money) then only she will return. All my family says she is just behind money and doesn’t care what I and my son is going through. She is not guilt for what she did. 15 yrs of marriage has been ruin and now she has no shame at all. She talks rudely if i dont send her money and now I refused sending her. Please advice what do I do now.
Ans: Dear Anonymous,
You seem to have done a lot to try and get her back. What can you do if she doesn't want to acknowledge your efforts or appreciate what family life is! One would imagine that a child in the equation may bring about a change in heart but that doesn't seem to be the case here at this moment.
Your family members are right in their mind about the way that see your wife as they have been observing how this has impacted you and your son.
Either you wait for her to come to her senses OR simply learn to live life without her. If the outside world of social media is what seems to satisfy her, no matter what you do, she will be dissatisfied and unhappy. This only means that she has to learn and appreciate what she has with you and your son.
It is also possible that she has been disinterested in the marriage for a while now and has been seeking approval and validation from people on social media. Even if this is the case, being angry with you is understandable BUT what about her own child? What makes her not want to deal with that reality? If you need an answer to this, simply WAIT and WATCH without begging her to come back...That will give you an idea as to where her mind is and then decide on the future course...

All the best!

..Read more

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Ramalingam Kalirajan  |1321 Answers  |Ask -

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

Asked by Anonymous - May 03, 2024Hindi
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Iam 40yrs old with 1.6lakhs take home with house wife and 3 yr old baby girl. Below is my current financial condition: 1. Taken Home loan for 35 lakhs for apartment worth of 55lakhs in 2022 with emi requirement of 41k for 11yrs (iam paying monthly 45k and one extra 45k emi yearly) 2. Took Gold loan of 11lakhs in 2022(paying from mar2024 onwards monthly 35k) for apartment purpose 3. Holding 2440 sqft land costs 25lakhs in 2021 now it is 35lakhs planned for baby girl marriage 4. 5lakhs emergency fund in FD 5. 6 lakhs FD for SBI life smart wealthbuilder plan purpose for next 6yrly premium payment, 6. Equity 5lakhs invested now mkt value 8lakhs, 7. Mf 8lakhs now 11lakhs (monthly 20k for 10 different funds with 1k stepup yearly) 8. EPF 20lakhs not withdrawn from beginning for retirement plan 9. Ssy 1.2lakhs for baby girl education (monthly 6k) 10. Ppf 50k for baby girl education (monthly 3k) 11. Nps 4.9lakhs now 6lakhs (monthly 12k from company deduction and 50k annually from my side) 12. Holding agriculture land 1acre 7lakhs near hometown purchased in 2018 now it is same price no increase... Holding bcoz I like to have agriculture land... 13. Holding Gold coins 50gms purchasing when there is Amazon offers.. for baby girl ornaments purpose 14. Term insurance 1crore for me and 50lakhs for my wife purchased in 2022 15. Health insurance 20lakhs with premium 60k for 3yrs purchase in 2022... Monthly 1.6lakhs take home spending as below: 1. 45k home loan emi (annually 45k as one extra emi) 2. 30k mf sip ( 3k each for 10 funds - quant infra, quant smallcap, quant elss, 360 one focused, canara robeco smallcap, canara robeco emerging, mirae largecap, pgim flexicap, parag elss, ICICI prudential technology fund) 3. 35k gold loan prepayment 4. 35k home maintenance expenses 5. 10k ssy and ppf 6. 5k apartment maintenance 7. 45k LIc premium annual requirement 8. 40k term loan premium annual requirement taken 1crore for me and 50lakhs for my wife total to 40k premium 9. 30k annually for bike insurance, services and other maintenance 10. 1.3lakhs for baby girl school fees from this year 50% already paid 50% to be paid in oct 2024 11. 60k premium for health insurance once for 3 years purchased in 2022... I have few ask sir: 1. Want to buy 13 to 15Lakhs car.. when to buy with my financial condition and I have no down payment free cash now 2. Should I change my financial saving/investment please suggest as I am not having any free cashflow post the monthly commitment 3. Want to generate 2nd source of income suggest plz which is good to have it 4. Want to become financial freedom by next 10years so what I need to do for it and plan better. 5. Any changes in the current plan suggestion
Ans: It sounds like you're juggling a lot, but you've got a solid foundation laid out. It's admirable how you're balancing your responsibilities towards your family's present needs and future goals. Let's address your concerns and aspirations one by one.

1. Car Purchase Consideration:
You're eyeing a new car, a shiny symbol of comfort and convenience. However, before diving in, let's assess if it aligns with your current financial trajectory:

Timing and Need:
Do you have an immediate need for the car, or is it more of a desire?
Can you postpone the purchase until you've accumulated a down payment or have more breathing room in your budget?
2. Reviewing Savings and Investments:
Your portfolio is diverse, spanning various assets from real estate to mutual funds. Let's evaluate if each piece is still working optimally for you:

Portfolio Alignment:
Are all your investments aligned with your long-term goals and risk tolerance?
Can you streamline or consolidate any holdings to reduce costs or enhance performance?
3. Exploring Additional Income Streams:
You're eager to bolster your financial stability by exploring secondary income sources. Let's brainstorm some viable options:

Leveraging Skills and Passions:
What skills or hobbies do you possess that could be monetized?
Are there freelancing opportunities or consulting gigs in your field of expertise?
4. Planning for Financial Freedom:
Your aspiration to achieve financial independence within a decade is ambitious yet attainable. Let's outline a roadmap to realize this vision:

Defining Financial Freedom:
What does financial freedom mean to you personally?
Is it early retirement, pursuing passion projects, or having more flexibility in your lifestyle?
Strategic Steps:
How can you increase your savings rate to accelerate progress towards your goals?
Are there opportunities to optimize investments or explore alternative income streams?
5. Optimizing Current Financial Plan:
Let's explore potential adjustments to your existing financial strategy to enhance its effectiveness:

Reallocating Resources:
Can you reallocate funds towards higher-performing investments or areas with greater potential?
Are there opportunities to automate savings or investment contributions for greater consistency?
Conclusion:
Your commitment to securing your family's financial future is commendable. By carefully considering each aspect of your financial situation, from major purchases to investment strategies, you're laying a strong foundation for long-term success. Remember, financial planning is a journey, and with patience, diligence, and the guidance of a Certified Financial Planner, you're well-positioned to achieve the freedom and security you desire.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Relationship
Hi ma’am My family is not accepting my boyfriend as he is not well settled and doesn’t have any savings. His parent are also divorced and father has a second marriage. The first children custody is still with parents however my boyfriend and his brother live with his mother. He is 5 year younger than me. My family is not accepting my relationship and showing me new proposals every day. To borrow some time i am just refusing the proposal my giving some excuses but now they know that i am still not out from him and waiting for him to get settled. Kindly let me know how can i convince my family to accept my relationship. My boyfriend is working day and night to get settled and have a good account balance. Please advise.
Ans: Dear Anonymous,
If your daughter came to you with the same situation, how would you advise her?
Would you not tell her your concern that she is actually choosing someone who may not be able to support her when she goes on maternity leave? Would you not tell her that coming from a broken family, she may have to take care of her boyfriend and possibly parent him on different occasions? Your parents are only concerned for you and are unable to tell you what they are worried about. Put yourself in their situation and tell me that you will not be worried.

At the same time, I do get your frustration. What you can do is to work on your parents' concerns and buy time till your boyfriend manages to settle down. And it seems like he is doing all that he can to be in their good books. And that's the only way you can get them to accept him. Wait patiently and don't put him under pressure. Instead be supportive and at the same time, you continue to work and be independent as well.

Never try to convince someone who does not want to be convinced but instead work on how they can accept him by addressing their concerns.

All the best!

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Ramalingam

Ramalingam Kalirajan  |1321 Answers  |Ask -

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

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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