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Pooja

Pooja Khera  | Answer  |Ask -

Life, Relationship Coach - Answered on Feb 10, 2023

Pooja Khera has a PGDM in human resources from Amity University and is a happiness and wellbeing coach certified by Yale University. She also has a master's degree in astrology and is a tarot card reader as well.... more
Asked by Anonymous - Feb 07, 2023Hindi
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Relationship

I am married to my childhood sweetheart for the last 13 years after dating her for 7 years, 20 years of relationship. After marriage things had changed she never does house chores. We have a 12-year-old son, I was looking for house expenses/loans and I asked her to take care of my son's education expenses which are hardly 70% of the above, although she is 5 times richer than me. She was in depression before marriage. For the last 10-plus years, we are living separately, and once a week we meet for a couple of hours. Last week I sent a message to her "Don't treat me like a slave". After that things worsened she approached an Advocate and send a letter for mutual divorce without alimony. She told me that I can give child expenses as per my wish. I am in deep trauma now

Ans: From what you have mentioned above, clearly the relationship has outgrown itself and there is a lack of mutual trust, respect and love in the marriage. She has also decided that she does not want the marriage anymore. More than often in cases when one partner has already decided and initiated a separation, reconciliation is un likely.

You may like to see similar questions and answers below

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Relationship
Hello, I had a very disturbed childhood. My marriage was also in troubled waters with fights happening twice in a week.Then I came across a girl who was 17 years younger than me. I am a model from a reputed college and was earning much better.That girl became die-hard fan. Once I scolded her in the middle of the road for her advanced steps toward me like touching etc.I was very much attached to my kids. Then she became friendly with my 2-3 year old kids.After 2 years of relationship we became physical. I used to send her Rs 3,000-4000/ month for her expenses in her engineering college.She used to hug me, love me (acted like she did). When my father expired, I was low. She was there during all those dark times.Then she got a job and broke up with me. She came back to me after a year. Instead of kicking her out, I got addicted to her and changed myself to keep her happy.I even went to her native town to assist her during super cyclone risking my own life. I spent 3 days there as a refugee because cyclone had devastated the entire city. There was no food and water. She got me food 2 times a day from her home. After 3 days train services resumed.I spent my best time with her and felt like a 17 year old boy in her company and I lived my life.Seven years later she told me that she will not marry me. In between she insisted to get divorce.I applied for a mutual divorce in family court.Then I told her to break up. She refused saying she did not want to face that pain again.She said if she found someone she will say upfront to me.I agreed and wasted another 3 years with her. I was her CA/bodyguard/driver.One day she told me she finalized someone and I went for sudden breakup.We exchanged few e-mails till my ego got hurt.It’s been 3 years now I have not replied to her mail.She kept sending mails till March last year.During this phase I had pain during breathing, high BP and no sleep for 4-5 days.I consulted doctor and took medication for almost for 6 months.I suffered from broken heart syndrome.I am 45 years old now and have no interest in my life.I am just doing my duty.My ego does not permit to see her FB/TWITTER. It’s been two years since I saw her on social media.It appears like everything is fine but I feel hollow from within.I don’t want her back or her smile. Whenever someone talks about love, I smile from within on his stupidity and try to figure out what benefit the girl is getting from him.My issue is hollowness and hopelessness.
Ans:

Dear SB,

Whatever you did in the past with the girl, simply gave you a sense of validation at that point in time. Isn’t it clear that she has moved on?

Simply be thankful to her for the way she stepped in when you were in need. What didn’t happen was not meant to happen!

No point being angry with her for moving on in her life. Try and be happy for her and focus on yourself now.

What do you love doing?

Who are your friends that you love spending time with?

When was the last time you took care of your physical health?

Do you know that spending time in Nature heals your broken heart as well?

All these questions, are for you to have a reality check on how much you have focused on the outside and no focus on yourself.

Answer these questions and start to look after yourself with a lot of self-love and care. You will heal and move ahead very meaningfully.

Be well and all the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 15, 2021

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Relationship
I am in a relationship for 9 years including 4 years of marriage. Since the day of marriage, I am having regular fights with my wife concerning my mother and sisters. Of late, I am feeling like I have lost the love between the two of us. We have stopped talking and don’t get a chance to spend some time together. Whenever we do, we end up arguing about past mistakes and all. We never talk about the future. During this pandemic second wave, we came to our native place and after spending some good days, she went to her home for some days and now she is not willing to come back. We recently had a fight over phone and stopped talking. I started calling her and talking to her but she does not seem to be in a mood to talk. Now I have stopped talking to her. I am a bit worried as I feel like I am left alone. Despite so many efforts towards her and her family, she finds a reason to get pissed at me every time. I am not sure anymore what to do. I try to make her understand. We are in the same situation for 4 years. If I don't, she won't be taking any initiative from her end.
Ans: Dear S, It does seem that you have concluded what’s going to happen before you have tried everything in the treasure chest?

Relationships can have a long life if we are willing to set aside our differences and keep egos at bay. Now read on and think deeper about these questions.

What went on between your wife and mother/sisters? Did you wife end up feeling hurt and lonely? Did she feel that you sided with your mother and sisters more than you did with her?

Constant arguments about things from the past honestly can lead to no good. It is important to know what exactly your wife feels at this very moment, but it seems like she doesn’t want to talk to you.

When you say you have made many efforts towards her and her family, why do you think, she hasn’t come back home or why has she stopped talking to you?

You did mention that she finds a reason to get pissed, but is there something that she expects from you or a certain behaviour that might help her get to an even ground?

Will involving a senior family member to talk to someone senior family member (not your mother) on her side?

With their experiences and their calm minds, they maybe able to break the ice between both sides and get the two of you to talk.

Please find a neutral member on both sides who can arrange for this in a wise manner without bringing in egos or past battles inside.

Communication must be re-established and throwing your hands up in the air may not be very useful if you want your marriage to continue.

Yes, past need not be brought back into the present, but it is necessary to understand what is going on in her mind before concluding anything.

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 2022

Relationship
Hi AnuAt the outset, thank you very much for your time to listen to my situation.I am 50 years old, married to my lover (46 years now) and blessed with two daughters. My wife comes from an upper caste with a poor background. She was my subordinate and got married in 2001 after dating her for more than 18 months.Immediately after marriage, I lost my job due to my mismanagement of responsibility with no criminal action. I suffered for six months and relocated to overseas and lived there for the past 19 years.With my hard work and commitment, my financial situation has improved considerably now. However, my wife's attitude has consistently changed in line with my financial growth. She strongly believes that because of her luck and my daughter’s luck only I was able to earn that much and live comfortably. With my severe official commitments, I did not mind her attitude that much. After the lockdown, I got the opportunity to understand the change and realised that she has constantly ill-treated me over the past 10 years. Also, I lost my parents a few years ago and my father gave his self-earned property worth a few crores to my elder brother and left nothing to me. At the same time, my wife got her ancestor property worth a few lakhs. This incident psychologically weakened me as she consistently abuses me saying she got a few lakhs worth of property whereas I got nothing from my parents. Now, for the last two years, she is not allowing me to perform my parents’ annual death ceremony rituals. She consistently uses bad words against my (departed) parents and makes most negative comments for the donations I made so far and terms me as an Idiot and useless person. She also criticises me in front of my friends and relatives.Her harassment gone to the extent of pushing me to commit suicide and for the sake of my daughter’s welfare, I managed to come out of that mindset on my own. Now, I am determined to live…. at the same time unable to absorb my wife’s harassment. I tried to explain to her in many ways and even begged her many times to stop ill-treating me. Instead, she is asking me how I am able to tolerate despite her ill-treatment for the past few years….Our physical relationship got disconnected for the past five years as she lists out silly reasons for avoiding me. She is refusing to come along with me to meet a psychologist. Also, she disconnected her long-term friends and created a new circle of friends in order to erase her past and maintain a high social image.From your expertise, kindly advise me on how to handle this situation which will be of highest support for me as I am having sleepless nights for the past 2 years.Kindly do not publish my name and request you to keep it anonymous.
Ans:

Dear S,

It’s obvious that there is something that your wife is upset about or missing and you have been blindsided by it.

It could be lack of love, attention or simply family’s worth that she might feel from money situation.

It needs a discussion but from your letter/e-mail, it doesn’t seem like she is interested in it.

What I don’t have information here is in the 19 years that you were out of the country, was she also with you?

This is vital information as things might have gone South while you were away.

Even if she did accompany you, maybe the mismanagement of responsibility situation that you mentioned was something that had thrown her off gear and insecure.

This vital information is missing for me to guide you even more effectively, but I can surely help you navigate with what is.

Yes, it needs a counsellor or a marriage therapist.

Nothing justifies talking ill about family members but when the mind is awry and unsettled, it does not think rationally which is why she is possibly displacing some anger or lack of affection or lack of something that is manifesting itself in different ways.

Ask yourself:

  • Where am I if I continue in the marriage?
  • Where am I if I don’t continue in the marriage?

This reality check will act as a compass to the next steps of action.

As a coach, it’s always nice to see a relationship work but reality might say something else.

So, be true to your thoughts and feelings, set aside any feelings of spite towards your wife and see things for what they are and move forward.

All the best!

..Read more

Mohit

Mohit Arora  |42 Answers  |Ask -

Dating Coach - Answered on Dec 25, 2023

Asked by Anonymous - Dec 25, 2023Hindi
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Relationship
I am 43 yrs old . I have love marriage post 16 yrs of long battle of ups and down in personal life with my fiancee who's my wife now . In these last 16 years also she had affair with 3-4 Mens before returning to me. One of them was her office colleague who's marries now too. For. Last 2 years it was more of a distance relationship whereas she stays in one town and am in other coz of our job commitments. I had promised her to fulfill financial goals such as change in job better financial stability house car honeymoon in abroad but due to financial limitation and medical emergencies with mother I couldn't manage her expectations. Now she is saying she has given me enough time and asked for. Mutual divorce. She has filed in court also. Unwillingly just to keep her words I signed docs but I didn't want divorce Infact I love her blindly. Meanwhile I came to realize she has stated affair with same Ex colleague of been offoce who's posted t some other place. She is pressuring him to get divorce from existing wife and move on in their life post our divorce. That guy is just using her physically and financially. That guy has bought apartment by borrowing 1 Mn INR from my wife whereas in last 2 years if my medical emergency she has never ever helped with even 10k and always shows me as a bigger for. Money. I know end result would be divorce as she wants the same and now openly she is enjoying her days and weekends with that guy. Have told to her family members but being financially independent she hardly listens to anyone. She is branch manager of govt bank and. I am private job employee. Her age is 33 yrs and her existing boyfriend age is also same. Working in same organisation. I am helpless what to do knowing the fact she has been giving herself to her boyfriend. In marriage relationship she has betrayed me again. She is asking for divorce to look after her rest of life in better way. I don't know what to do I loved her blindly n still do.
Ans: She has not betrayed you. Your relationship with her appears to be transactional. You don't love her. You are just needy because you don't have any other options. My advice is to give her divorce and move on. If you need help with that, you can reach out to me.

She doesn't owe you anything. Take your own responsibility as a man and get a better woman who loves you

..Read more

Latest Questions
Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi, my age is 29. Married. My daughter is 8 months old. My monthly salary is Rs. 1.33L PM. Monthly expense - Rs. 35,000 Current commitments are: Home Loan EMI - Rs. 43,535 (8 months completed. 30 years tenure) Term Insurance - 1cr (Annual premium - Rs. 36,000 for 10 years. 7 more premium pending) Current NPS Balance - Rs. 75,000. Investing Rs. 15,000 pm SSY - Rs. 12,500 pm. APY - Rs. 409 pm I'm planning to save for Emergency Corpus Fund, get a medical insurance floater policy. My short term goal is to save Rs. 20 lakhs within 4 years for registeration and interior work for house. My long term goals are for daughters UG education, wedding, retirement at 55 years. I took investment risk test and Im an aggressive investor and planning to invest more on equity. Also, I want to diversify the portfolio and invest across asset class.
Ans: It's great to see your proactive approach to financial planning! With your solid income and clear goals, here's a suggested plan:

Emergency Corpus Fund: Aim for 6-12 months' worth of living expenses in a high-yield savings account for emergencies.
Medical Insurance Floater Policy: Ensure adequate coverage for your family's healthcare needs, including your daughter.
Short-Term Goal - House Expenses: Consider a mix of equity and debt mutual funds for potential growth while safeguarding against market volatility.
Long-Term Goals - Daughter's Education, Wedding, Retirement: Continue investing in equity through mutual funds or stocks for higher returns over the long term. Also, explore options like PPF, NPS, and diversified funds for diversification across asset classes.
Review and Adjust: Regularly review your portfolio's performance and make adjustments as needed to stay on track with your goals.
Remember, financial planning is dynamic. Consulting a Certified Financial Planner can provide personalized guidance tailored to your unique circumstances and aspirations. With discipline and strategic investing, you'll be well-positioned to achieve your financial dreams.

...Read more

Mayank

Mayank Chandel  |437 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Career
I completed bams a year ago. I passed 12th in 2014 and prepared for neet 2 times but couldn?t get seat because i was not serious about my career at that time. I had no clearity. I was so confused that I couldn?t focus. Even my parents and relatives were scolding me and not helping me . So I wasn?t thinking roperly focused. Then i gave bams entrance for the first time and got seat. I feel like if they wouldn have helped me or asked me what do i feel then i must not have been in the same place as am today. I feel i have ruined my life. Am currently working in delhi as a physician in a very renowned ayurvedic institute. But i feel like I don?t have passion for ayurveda. Am 26 years old. Everytime i feel like failure as I couldn?t get mbbs. Still my teenage to final year of my college i used to be so confused about my career. As now at 27 am having clearity that i want to be a cardiac surgeon, i feel like it?s too late to restart again. I feel depressed, failed and guilty. I don?t know if its a good decision to appear for neet again or not. I feel like defeated. I dont Feel happy. This time i have a lot of passion for becoming a cardiac surgeon but i am not able to decide this thing myself. I feel helpless. I feel guilty that I couldn?t clear neet exam. On the other hand there are some of my friends who never ever appeared for neet and did bams from private colleges are really happy and don?t have any complaints from this career. Why do i only feel defeated and unhappy.
Ans: Hi,
I cannot help you psychologically. But yes if you are really serious & want to restart give it a second thought that whether you will be able to give another 10 years into study. Plus NEET has become more competitive now as almost 24L+ students are writing this year. Again you won't make it there you will be more depressed. Other option would be MBBS abroad then. But still the question is will you be able to give your next 10 years into study?

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.
Ans: It's heartening to hear your dedication to securing your children's future amidst the joys and challenges of parenthood. Your commitment to various investments, including LIC policies, SIPs, and PPF, reflects your foresight and responsibility.

While your current investments provide a solid foundation, it's essential to regularly review and adjust your financial plan. Consider consulting with a Certified Financial Planner to assess if additional contributions or adjustments are needed to meet your ambitious goals.

Remember, financial planning is a journey, and flexibility is key to adapting to life's twists and turns. With careful planning and guidance, you can navigate towards a brighter future for your children with confidence.

...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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