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Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 04, 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
javid Question by javid on May 03, 2024Hindi
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Relationship

I have been married for 3 years and it was arrange marriage, but before marriage I met my Ex, but had not any contact or messaged her, but however I liked the post of Ex in the first year of marriage but after that unfollowed her on social media. But one day my wife went through my phone and had fight why i had liked her photo and made her hurt. I apologized for it, but became more worse and she kept on going through my phone and got information on my debts which i was handling perfectly. But she said, she does not trust me. What should I do?

Ans: Hello Javid,
it's important to have an open and honest conversation with your wife about her concerns and feelings. Listen to her perspective without becoming defensive, and try to understand where her mistrust is coming from. Reassure her of your commitment to the marriage and your desire to work through these issues together.

Transparency and communication are key in rebuilding trust. Consider discussing boundaries around privacy and social media use to help alleviate her concerns. For example, you might agree to keep each other informed about your social media interactions or agree on guidelines for accessing each other's phones.

It may also be helpful to seek couples therapy or counseling to work through trust issues and improve communication in your relationship. A therapist can provide a neutral space for both of you to express your concerns and work on finding solutions together.

Finally, be patient and understanding with each other as you navigate this process. Rebuilding trust takes time, but with effort and commitment from both partners, it is possible to strengthen your relationship.

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Anu

Anu Krishna  |1330 Answers  |Ask -

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

Asked by Anonymous - Aug 16, 2023Hindi
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Relationship
Hello Anuji, I am 52 and wifey at 49. In Jan 20, my wife admitted that she is in contact with her college friend since three years and she has ended it. Her college friend's wife found these contacts and threatened my wife for further consequences. Due to that threat, my terrified wife admitted on her own about her wrongdoings and asked me to forgive. It was shocking and mentally disturbing for me as I was trusting her 100% with all freedom one should give to loving spouse, but she failed. I tried to find the truth and level of that relationship. I have burned almost one year to come out of this shock. I forgive her one time for the sake of future of my children. Currently, though things are running smoothly, I do not dare to trust her 100% again. If I don't trust my wife, is there any future in my marriage? If yes, what should I do to secure my marriage even if I don't trust my wife fully?
Ans: Dear Anonymous,
It is definitely difficult to trust again when the trust has been broken in the first place.
So, you need to make that call...if you want to rebuild your relationship and the reason is for the sake of the children, it might not last long. Make a decision of getting back together to first put your relationship with her in place; the children will anyway benefit from that. Having said that, this requires you to trust her...
Is it possible? Yes, though you will be continually filled with doubts and test her every move and that will not be healthy...
So, the key is that if you have decided to get back together, you must put full faith and trust back into it as hard as it may seem...But do it a 100%...give it your full...You either trust or you don't...there's no in between state here...
What might help is to have a clear conversation with your wife before you make any decision. Express how this has hurt you and how difficult you find it trusting her again. Allow her to do the talking on what she wants, what efforts she is going to put to reconcile and how things seem in the near future to her.
Gauge if there is any inadequacy that she has felt within the marriage so that this can be addressed as well.

The conversation is only a guide to the way forward and not a BEAT each other up game.

So, start your new journey knowing if you can trust, if you want to trust again...It will open up a sea of challenges and lessons to learn from.

All the best!

..Read more

Anu

Anu Krishna  |1330 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 20, 2024

Asked by Anonymous - Jun 19, 2024Hindi
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Relationship
Hi.. good evening.. i want your advise.. we are married for 6 months now and we had a arranged marriage. My mistake was not informing my wife about my past relationship which we had broken up badly and immediately after my marriage my ex girlfriend shared our pictures with my wife purposefully and she got upset with that and me and my family convinced my wife that i have broken up with her and i dont have any contact with her and it is true and i am loyal to my wife. Everthing was normal after that and 2 months passed and i observed that my wife is in regular contact with a guy on phone whom she calls friend and talks to him daily. I confronted this to her and she told that he is just her freind and he had helped her before during her difficult times. Again this continued and i asked her to stop contacting him daily and even though he is a friend what is the point in talking to him daily and she just cried telling that i am controlling her and she feels like she has no freedom and is in jail and i am not allowing her to talk to her friends. After this she limited her talks with him and seemed fine by me as it is just a friendly casual talks 2 to 3 times a week. One day she asked me reply to one of her emails and wanted to upload some file. While i went to upload i had access to her google photos and i was shell shocked to see lots of photos of her with this guy whom she calls friend and in close proximity. Also there are pictures of them dated 3 to 4 years back and also the most hurting part is the pictures of her with him after our marriage as well. She had told me that they have a college get together and reunion and she had went with him on that day and stayed overnight as well. I was literally shocked by this and confronted her immediately and then she told me that she was in relationship with him and her parents did not agree so couldnt marry him and even he also cancelled many marriage proposals because of her and she betrayed him and happily married now with me while he is still not married and she feels guilty as all this happened to him because of her and so she talks to him daily and she can only feel ok once he is married. I told her she has to stop talking to him if we want to keep this marriage.. she tells me if i leave her she is dead as even her parents wont accpet her and also he (her ex boyfriend) will not accept her and she says she has nowhere else to go.. she still cares for me though but i dont know what else to do.. she still talks to him 2 to 3 times a week... please advise how to go about this
Ans: Dear Anonymous,
Your wife was never into this marriage and it became convenient for her to pursue a link with her ex-boyfriend once she found out about your past.
Everything that she does now being justified. You are right in putting your foot down, but have you seen a favorite toy being snatched away from a child? The need for that toy only gets stronger.
The way that you can counter this is by showering her with a lot of care and attention as I do gather that the two of you want this marriage. You want it as you are in love with your wife, she wants it as she has nowhere to go. Fair enough! The reasons right now might not be the same BUT someday with much love going into the relationship, the two of you can be on the same path.

Now, the question is: Are you willing to wait and pour more into the relationship? She will waver for a while going back and forth between you and that guy; it will hurt you...There will be a lot of anger and perhaps feelings of inadequacy in you, BUT you know that it's not the case. Can you persist on this journey? I sincerely believe that somewhere along the way, she is bound to stick by you when she realizes the stability that you can offer and that the sheen out there will wear out. Possible? Are you willing? If you are, go for it...Love, care, stability, security is something that is core in any marriage...be a part of it!

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  |1330 Answers  |Ask -

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

Asked by Anonymous - Aug 19, 2024Hindi
Relationship
Hi there, i am going through a difficult phase in my life, i dont know where to start but here my story goes. i work in UAE and i had a balanced and peaceful life until last November where i got married (arranged). we first met last year in march through marriage broker and everything matched, family also liked and we got married in November 2023. Before marriage we used to speak for 10-15 mins almost everyday (all casual talks and i thought everything was ok and she was the perfect match for me and my family). so after marriage i travelled back to uae and was supposed to bring her to UAE in Jan 2024. I had one past relationship for 2 years and we had broken up last year February as she was a from north of india and i was from south India and our families were against it and she wanted to go against family and get married but i was not ready as for me family became priority and we broke up. And after this relationship ended then only this match happened and after one month of my marriage my ex reached out to my wife and shared our relationship details and my wife got very upset and went back to her home. I travelled back to india to console her and tell her that it was my past and i am no longer in relation with my ex and our family involved and sorted this issue. My wife came back to us and everything was normal after that. My wife came to UAE in January 2024 and we started our married life here. All seemed good until i noticed a pattern of her taking to a person on phone everyday when i am out for office and also being very cautious with her phone. On confronting this she told its is her friend and i told her what is the point in talking to him daily for which she cried and told that i am controlling and she dont have freedom to talk to her friends. I left it as she was at home alone and bored and she was also looking for job here and may be with time she will change but still the talking continued until one day in May i was uploading her resume for her job and had access to her google photos and was shocked to see her photos with the guy whom she calls friend. There were photos of her with him after our marriage and also photos with him the day before she came to UAE. I confronted this with her and she cried and told that previously she had relation with him and parents did not agree and later she married me and had forgotten him but since she came to know about my past relationship she continued to stay in contact with him. She is not telling the complete story as i saw their photos before our marriage and even before our match happened and I have also seen her google location timelines as well. I told her to stop this if we want to continue our marriage she told ok but she still talks & chats to him through watsapp & botim because she is very secretive of her phone. She takes good care of me and tells she loves me but I am not sure she really loves me or just faking it. Now she is 3 months pregnant. I am thinking she will leave me for her ex giving me the baby after the baby is born as she mentioned this during one of our arguments. This is one side of my story and between all this my mom fell sick and upon consulting, she was diagnosed with cervical cancer stage 3A and I tried to get her the best treatment (chemo) but the cancer has spread widely and because of her age also she cannot take the treatment. Tried ayurvedic and herbal medicines but nothing can be done and doctors have told max she will live is 6 months. She is bedridden now and in pain everyday. I have a decent job in Dubai with decent salary where I have built my own house in my native and managing my home (parents in india & wife is UAE) but currently my finances is also effected very badly as I spent lot of money for our marriage and for my mothers treatment and I have loans and multiple credit cards as well. I am very stressed and all these things are eating me up daily and i don't know what to do and what went wrong and where? Even i cannot focus on my job as well. Please advise how can i go about these situation. i cannot share these to anyone also, Please advise.
Ans: Dear Anonymous,
It is always better that your spouse hears about your past from you and no one else.
Obviously your ex decided to have the best revenge by reaching out to your wife and it has made its mark as it has messed with your wife's head and seeped within your marriage making it difficult for the two of you to have a relationship. And now, a baby as well when your relationship is still messed up?
Sort this out before the baby arrives. No point wondering is she is going to leave you etc. Why could your wife not trust you even when you ex came back with stories, I wonder!
Do you both realize the lack of communication has resulted in a breakdown of trust? Can you reconnect at least now and at least for the sake of the child?
Come together as a couple and learn to love, support and trust and the only way to do that is by keeping the last away...
Is it possible? YES! Only if you choose it...
So, make that choice of working on the marriage, keep the past out and think of how to move ahead...Easier said and also done...

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 Kalirajan  |7163 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 27, 2024Hindi
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Money
Hi, sir I am a an 30 year old (single) engineer working with a MNC in Chennai, unfortunately till this day i haven't had any savings at all for my future (retirement, other short term or long term goals). Currently my take home salary after EPF and parental insurance is 53k ( EPF is about 4900/month - employee+employer) i haven't opted for Corporate NPS but is provided by the company without any additional contribution from company. I have company health insurance policy and have planned to take my own health insurance and term insurance plan. Adding to above I have zero emergency fund with me. How should I proceed with my investments?
Ans: You have taken the first step by recognising the need to plan. It’s essential to appreciate your intention to secure your financial future. Let’s look at how you can proceed to achieve your short-term and long-term goals.

Your current take-home salary is Rs 53,000, and your EPF contribution is Rs 4,900. However, you lack savings, investments, and an emergency fund. Here's a step-by-step strategy:

Build an Emergency Fund
Set aside funds to cover at least six months' expenses.

Start by saving 10-15% of your salary monthly into a high-interest savings account.

Use Recurring Deposits or Liquid Mutual Funds to maintain this fund for emergencies.

Secure Yourself with Insurance
Health insurance: Maintain your company health policy but add a personal health policy. Choose a policy offering a sum insured of Rs 10-15 lakh.

Term insurance: Buy a term plan covering 10-15 times your annual income. Keep the policy simple and avoid investment-linked insurance.

Budget Your Income
Allocate your income carefully for expenses, savings, and investments.

Use the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for savings and investments.

Avoid unnecessary expenses to increase your saving capacity.

Start Investing Gradually
Short-term goals (1-5 years): Invest in debt funds or recurring deposits. Debt mutual funds are good for stable returns.

Long-term goals (5+ years): Invest in equity mutual funds for higher returns. Choose actively managed funds with consistent performance.

Avoid index funds. Actively managed funds have a better potential for higher returns through professional fund management.

Retirement Planning
Utilise the EPF for retirement. Your current contribution will grow over time with compounding.

Consider investing in diversified equity mutual funds for additional retirement savings.

Corporate NPS: You can explore NPS for its tax-saving benefits. However, don’t rely solely on it for retirement.

Tax-Saving Investments
Use Section 80C to save taxes up to Rs 1.5 lakh.

EPF, PPF, ELSS mutual funds, and life insurance premiums can qualify under this section.

Opt for ELSS funds for tax saving and wealth creation.

Review Existing Expenses
Evaluate and minimise unnecessary expenditures.

Avoid loans for discretionary spending like vacations or gadgets.

Advantages of Using a Certified Financial Planner
A CFP can help you plan holistically and ensure you stick to your goals.

They provide tailored strategies, ensuring proper fund allocation and monitoring.

Invest through a Mutual Fund Distributor with CFP credentials to access professional advice.

Key Steps for Discipline
Automate investments through SIPs in mutual funds.

Track your monthly budget and investment progress regularly.

Avoid direct funds. Regular funds offer professional guidance and fund distributor support.

Tax Implications
For equity mutual funds, LTCG above Rs 1.25 lakh attracts 12.5% tax.

STCG on equity funds is taxed at 20%.

Debt fund gains are taxed as per your income slab. Consider these while investing.

Final Insights
You are in the right direction by seeking advice now. Build a solid foundation with savings, insurance, and investments. Take small steps toward financial independence.

Remain consistent with your investments, and review your financial plan annually.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Mayank

Mayank Chandel  |1940 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 27, 2024

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Career
Hello, i really have a serious issue regarding my studies as i am 24 yrs now and gave NEET 4times and i am still preparing for nxt year 2025 but at the back of my mind i am really tensed what if the same thing repeats in the neet 2025 also like paper leak and all, So now i am confused that should i take a full drop or partial drop. The mental pressure is really hitting hard and also its almost been 4years that i am still 12th pass only and my classmates have already completed their college and some are flight attendant and earning well, So this all things just hits so hard and also the hope in parents eyes as my father is already proud that i studied science so i would definitely become doctor. I wasted a lot of money in pg and coaching (fastrack) and this all things are hitting so hard that i really feel sad and have no ways to go.
Ans: Hi Bhima
I must say you have got perseverance & I appreciate your parent's trust in you. You have already appeared multiple times and you are going to appear again in 2025. By the time you will be 25 years old. They say there is no age to learn. But after getting admission you need another 10 years to practice as a qualified specialist. Make sure you take admission in the next session.

If higher cutoff & high fees of private colleges are an issue for you, then try exploring the MBBS abroad option, I can help with that too. Since NEXT is compulsory for Indian & Foreign graduates too it won't make a difference if you study in India or Abroad.

For time forget all the societal pressure and give your 100% and make your parents proud.

...Read more

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