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Kanchan

Kanchan Rai  |560 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Sudeesh Question by Sudeesh on May 13, 2024Hindi
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Relationship

Maam - I am recently facing trouble in my 22 year old marriage. I am unable to understand my wife's behaviour which according to her is very normal. I am unable to judge when she requires me. I have not been a caring husband and can be attributed to this behaviour of mine. She had got very along very well with our son all these while and now that he is in college and travels his behaviour also irritates her. She says that he has also changed a lot and have no respect for females, he has lots of secret which he is avoiding tell us. She is very much worried about it and I feel that has spilled over into our relation as well. We compromise for a few days which is mostly from my side but again on the 4th day it is back to the same.. Can you suggest some actions from my side which can help improve my relation with my wife and understand her better..

Ans: Sudesh,

It sounds like you're in a challenging situation, but it's commendable that you're seeking ways to improve your relationship with your wife. Schedule regular times to talk openly and honestly with your wife about your feelings, concerns, and desires for the relationship. Encourage her to express herself as well. Active listening is crucial here.Try to see things from your wife's perspective and understand her concerns about your son's behavior. Validate her feelings and reassure her that you're there to support her.
Make an effort to spend quality time together as a couple. Plan activities that you both enjoy and that allow you to connect on a deeper level. This could be anything from going for walks, having dinner dates, or pursuing mutual hobbies.
Work together with your wife to address any concerns about your son's behavior. Approach him with empathy and understanding, and try to create an open and supportive environment where he feels comfortable sharing his thoughts and concerns. Consider couples therapy or counseling to work through any underlying issues in your relationship. A therapist can provide guidance and support in improving communication, understanding each other's needs, and resolving conflicts.Take time to reflect on your own behavior and actions within the relationship. Consider how you can be a more caring and attentive partner, and be willing to make changes where necessary.Improving a relationship takes time and effort from both parties. Be patient with yourself and your wife as you navigate through challenges and work towards a healthier, more fulfilling relationship.

Remember that it's okay to seek outside help and support when needed, and that small steps towards positive change can make a big difference in the long run.

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Anu

Anu Krishna  |1563 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 2023

Asked by Anonymous - Jul 07, 2023Hindi
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Relationship
I am a married man from last 20 years. I am unable to understand the psychology of my wife. she always complains me that she doesn't feel any belongingness from my end and keep her on last priority. further, I always take care of my mother, sisters and friends. I always talk to her in a very rude and loud voice. whenever i approach her she starts blaming me and after sometime, I became irritated by her repetitive statements. whenever she approach me to patch up after few moments she said that I am talking loud and non sense. please guide me how to tackle this problem to rejuvenate the relation?
Ans: Dear Anonymous,
You yourself have identified that you talk rudely to your wife; so how do you expect her to relate to you.
If you have chosen to 'rejuvenate' the relation, then the way the two of you communicate with each other must be changed.
This is a suggestion for both of you to improve your communication:
1. Listen to the other patiently when they are talking
2. Ask: 'What can I do to make you feel better?'
3. Make sure that there are no accusations/complaints made during the communication
4. Practice compassion when the other person is talking
5. Don't interrupt them in between when they are talking

This is just the beginning and basic guidelines to begin communicating better. As the two of you see the benefits, you can then start to work on the challenges that you face from family. As much as you take care of your side of the family, make sure that you give enough attention to your wife as well and the same goes for her.
The two of you are simply crying out for each other's time and attention. Start with the basic suggestions and slowly take it on from there.

All the best!

..Read more

Anu

Anu Krishna  |1563 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 08, 2024

Asked by Anonymous - Jan 02, 2024Hindi
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Relationship
Hi Anu, I am 45 year old and married from last 16 years and having 15 year old daughter . My Wife and I didn't have a good relation, We fight a lot, not sure what ever I speak she didn't like it and some how converted into argument , My wife is 10 year younger to me , I used to have good sex life at-least few year back, but relation was not good that time too, some how she is either having feeling of superiority or not sure what , She always blames me or my daughter if any things happen, she didn't ready to accept that she can be wrong . Previously even we used to have fight but overall things was fine , she used to generally fight but some how we do makeup after fight , now situation is out of control, she didn't accept her mistake and try to blame me for all the problem , she do over spend and if I try to control she start fighting, I think she just fight for what ever things she need for her selves , but always criticized / blame other , She pick up fight very easily with any one , She even fight a lot with our daughter . Even daughter some time suggest to go separate road than only she will understand , I try to go for concealing but no help , there also when used to discuss problem she hardly listen , even Councilor told her she must develop habit to listen others but nothing improve, I am not sure how to tackle this , She always sleep alone and if any disturbance she create ruckus , she want the things her own way if not than she can't tolerate . I am not sure but I need help here and problem after covid is more now , I try to manage these things previously but looks I don't have patience to handle this any more, I didn't like people blaming for no reason, it looks some time after doing so much for family I am nothing for my family and it is hurting me more. I will not say that I didn't fight , I do and mainly when I feel broken I shout on her and some time asked her to live the house , This may be as she always says she is looking for some one once she find she will leave the house , She always give threat and always say she didn't love me , She didn't find me attractive enough . She try to create environment where I should feel that I am not important person as well as social , I can write 10 more page around this but wanted to have some solution , not sure what could be best here . I wrote previously too but have not got any response yet.
Ans: Dear Anonymous,
I suggest that the two of you go and see a marriage therapist. This is not simply the job of a counselor; there is clearly a breakdown in the way your marriage is functioning...it needs both of you to build the marriage back again and the therapist will be able to see and review both sides and suggest/guide you two correctly.

10 or 20 pages are not going to help; what will help is that both of you sit down and think of why you are married and what you can do to rebuild it. Blaming her or yourself isn't anyway going to help...Rather than listing down each others' faults, try to work at this.

All the best!

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4360 Answers  |Ask -

Career Counsellor - Answered on Mar 21, 2025

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Career
My son got 91 percentile in jee mains session 1, category- GEN EWS Is he eligible for jee advanced and which colleges can he get with this percentile
Ans: Aaditya Sir, He will be eligible for JEE Advanced. As far as the Colleges he will be eligible to get, here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your son's admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Son's Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your son's category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches your son is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your son's expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Hope this guide helps! All the best for your Son's admissions!

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Ramalingam

Ramalingam Kalirajan  |8123 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Jan 28, 2025Hindi
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Money
I have invested in NPS (60000 per year) & PPF (125000 per year) UTI Index funds (50000 per year) emergency funds (75000 per year) after excluding all my expenses i can save 10k more. Which mutual funds i should invest?
Ans: Your existing investments are well-structured across different asset classes.

You are contributing Rs. 60,000 annually to NPS, ensuring retirement security.

Your PPF contribution of Rs. 1,25,000 provides tax-free growth and stability.

Your emergency fund of Rs. 75,000 annually ensures financial security.

However, index fund investment needs reconsideration for better growth potential.

Limitations of Index Funds
Index funds only replicate market performance and do not offer active management benefits.

Actively managed funds have a chance to outperform benchmarks over time.

Professional fund managers adjust portfolios based on market trends.

Index funds provide no flexibility during market downturns.

Market-cap-weighted indices allocate more to overvalued stocks, increasing risk.

Maximizing the Additional Rs. 10,000 Savings
Your Rs. 10,000 monthly surplus can enhance long-term wealth creation.

Investing in actively managed funds can provide higher potential returns.

Diversifying into growth-oriented equity mutual funds can be beneficial.

Sectoral and thematic funds can be explored for strategic allocation.

Avoiding overlapping funds ensures better risk-adjusted returns.

Choosing the Right Mutual Funds
Flexi-Cap Funds
Suitable for long-term growth and diversification.

Fund managers allocate across large, mid, and small-cap stocks.

Adaptability to market conditions enhances return potential.

Mid-Cap and Small-Cap Funds
Higher risk but potential for superior returns over 10-15 years.

Ideal for investors with long investment horizons.

Helps in wealth accumulation with disciplined SIPs.

Focused Funds
Invest in a limited number of high-potential stocks.

Better risk-adjusted returns with concentrated allocation.

Suitable for investors who can handle market fluctuations.

Sectoral and Thematic Funds
Focus on industries like manufacturing, technology, or consumption.

Good for long-term investment based on economic trends.

Requires careful selection to align with market cycles.

Ensuring Tax Efficiency
Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.

Short-term gains are taxed at 20%.

Selecting funds with a long-term view minimizes tax impact.

Avoid frequent withdrawals to preserve compounding benefits.

Final Insights
Your financial planning is strong with disciplined investments.

Redirecting index fund investments to actively managed funds can improve growth.

Your additional Rs. 10,000 savings should be allocated strategically.

A mix of flexi-cap, mid-cap, small-cap, and focused funds ensures diversification.

Reviewing your portfolio periodically ensures alignment with financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Nayagam P

Nayagam P P  |4360 Answers  |Ask -

Career Counsellor - Answered on Mar 21, 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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