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Anu

Anu Krishna  |1155 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
LK Question by LK on May 05, 2022Hindi
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Relationship

I have been married for more than 4 years now. But till date my husband never speaks over the phone in front of me. He always goes out of the house or moves farther away when we are out some shopping or anything like that.
He has two mobiles and never shares his mobile unlock pin or pattern. Whenever he goes out to talk over phone, I feel stressed. He doesn't even talk to his parents or sister in front of me or when I'm near or around him.
Whenever I try to talk to him about this issue, he yells at me asking why is it a problem for me if he talks over the phone?
It always ends up in an argument or fight.

How do I handle this issue? Please suggest.
Thanks and regards

Ans:

Dear LK,
Some people are absolutely finicky when it comes to their privacy.

They love protecting and guarding their space and allow no one into it.

I am sure this causes you to think that there might be more to it and that’s why it has begun to bother you.

If you have been complaining about this, he mostly likely will retract and become defensive and not even offer an explanation to it.

Instead have you tried, being softer, yet assertive in a way that you make him realise that it bothers you. Also, an assurance that you are not out to stalk him or spy on his movements but give him that space where he can be free around you.

It might take time for him to release the old behaviour and form a new one, and you can simply support that change by reiterating that you are part of his journey and that it is okay for him to take a call with you and that you will not judge him for anything.

If he still doesn’t want to, I think you might consider respecting his privacy unless there is reason for you not to.
All the best!

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Anu Krishna  |1155 Answers  |Ask -

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

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 I have been married for 9 years now with 3 kids. But my husband negates everything I say to him thinking I want to hurt him. When he says something and I try to see it the other way, he sees it as confrontational and also flares up during the conversation. He does not allow me to talk saying he already knows what is in mind. He complaints about everything in the house. In terms of sex, he does not want to know if I am tired or sick.Even though we usually make love at least two times in a week, he talks as if he is denied of his rights. He says any time he wants, he must have it. The main issue now is I’ve noticed he has locked his phone. I know he has a date with someone because he told me he has a concert to attend and won't be coming home that night. When I asked if I could go with him, he said No. Now that I have also locked my phone, he's accusing me of infidelity.
Ans:

Dear RT,

He’s playing the cool guy who wants it all and when doesn’t get it wants to act all hurt and instead of taking responsibility of his emotions finds it convenient to blame you and make you feel guilty for not fulfilling his emotional and physical needs.

How do you solve something like this? Kindly ask him to speak to someone who can make him see sense else all you will do is clean up the mess caused by his baseless emotions.

This will be the constant pattern until he realises that his self-esteem and self-worth are not something that others can create for him.

If he refuses external help, do ask a person close to him to drive some sense into his thoughts where he sees an alternate perspective.

To keep your sanity intact, dissociate from his emotions and start behaving like they don’t impact you; over time you will realise that he is just trying to be a child asking for your attention in an inappropriate way.

Take time our for yourself to indulge in a lot of self-care and self-love that will go a long way in managing your emotions and self-worth as well.

Depending on him for your sanity at this point in time is like hitting your head against the wall.

So, be right to yourself from this moment on and make sure that you spend a lot of time nurturing the children as much as you nurture yourself.

All the best!

..Read more

Anu

Anu Krishna  |1155 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Hello... I have been in a relationship since 10 years, not yet married.My boyfriend is okay in all ways. But there is something that's bothering me a lot. Whenever he is with his friends or family I just get angry and scold him whatever I like. I don't like if he talks very close to his friends (male friends) or family. He is trying his best to keep me happy, but I'm feeling insecure when he is with his friends and family.To be honest even if he gives more importance and value to his family that makes me feel more angry.I'm unable take this anymore.After fights even I think why did I did like this, what's wrong with me?I question myself after a fight. I even think that I won't be doing this next time because even friends and family are important but it's doesn't work and he is fed up with me.Whenever he is with friends or his family, I create something that's not true.End of the day I'm crying, I'm loosing my happiness.Waiting for an answer
Ans:

Dear PS,

What are you worried about? That by spending time away from you or not involving you when he is in a social setting, he might forget you or move away from you?

After 10 years, why do you feel the need to cling on to him in insecurity and anxiety?

Time to give yourself some love and attention?

Become your best friend and pamper yourself with a lot of care instead of constantly expecting it from your relationship?

The more you become safe and secure with yourself, the less you will cling onto your partner.

Clinging on and ‘owning’ another person will only make them move away from you as no one likes to be controlled and dictated to.

Instead, why don’t you ask him about his day and who he met up with and genuinely try and integrate into his life?

In this way, he will want to engage more with you and invite you when he is with his friends and family?

When you watch him interact with others, instead of feeling insecure and jealous, can you think of appreciating what he has brought into your life and why the two of you have been together for 10 years?

Also, involve him into your life and life’s journey.

Playing the victim involves a lot of drama, but playing a liberated person involves no effort.

So love yourself and love your partner for who he is.

The change in your relationship and your state of mind will be almost magical.

Enjoy the moment and be happy!

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Anu Krishna  |1155 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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Anu Mam, in your video you mentioned about healthy communication. I have tried many times to initiate communication with my husband but he is very biased. He shuts me down immediately in front of his parents and friends. It’s very embarrassing when he does that in front of people we know. He likes to dominate and make fun of me which everyone else seems to enjoy but I don’t. If I tell him that he feels I am being a spoilsport. He says I have put on weight and look fat after marriage and I don’t have a job that’s why I am getting all these negative thoughts. My mother in law also never supports me. She doesn’t tell if her son does something wrong. If I make one mistake she will blow it out of proportion and discuss in front of everyone. That becomes another topic for argument. All this is making me very annoyed and affecting our marriage now. We don’t have a child yet but we are already fighting every day. Please help. I just want to start a happy relationship. But I don’t know how to do it.
Ans: Dear SK, commenting on your body image honestly is no one’s business and by no one I also mean your husband.

He absolutely has no right to body shame you and make it a topic of jest.

The nest time, he calls you a spoilsport, please feel free to comment on his looks, his accent, his performance behind close doors and watch what his reaction is.

Sadly, his male ego will be hurt; at least it will give him an idea as to what he has been you through.

Communication as I mention must be firm and assertive; it must convey exactly what you want rather than what you don’t want.

And as far as it goes for you in-laws, ignore their childish behaviour towards you…honestly you cannot control anyone’s thoughts or actions and they are free to do as they please. But what gives them fuel is that you are provoked and hurt.

Is it possible to be unaffected by what people say of you and about you?

Yes, when you own your body image and are unapologetic about it!

Your body, your way…as simple as that and anyone has a problem with that, then it’s their problem!

Be at a lot of peace and act wisely!

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Kanchan

Kanchan Rai  |331 Answers  |Ask -

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

Asked by Anonymous - May 20, 2024Hindi
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Relationship
Hello, iam 30 yrs old and have been married for 7 years. My husband is 34 years old, I have a 4 year old daughter. My husband is an army man. My daughter was born during covid so for almost 1 year me and my husband were in long distance. After that my husband took both of us along with him. We used to be happy together but at times whenever I used to show little irritation or talk about something he used to get impatient and frustrated. Even our intimate moments got reduced. I tried to talk even about it but his male ego never accepted my confrontation. Now again we had to stay away due to his work-life. I too started working. I felt maybe because of work stress he was like that. And when I'll also start working I'll understand his problem. But though my work is stressful and I try to take out time to talk to him romantically. But he feels so distant. Whenever I try to ask him, he gives me reason of work, weather, what not. I know he cannot cheat on me as he calls just me whenever he gets time. I'm not concerned that he doesn't love me but what's wrong with out intimate moments. Why is not interested. Atleast he can talk to me about his issue instead of just shouting or blaming me for being too desperate. I feel so hurt and distant. In angry moments i get this thought of going away from him.. finding solace in someone. But i just try to wane that thought away. Please help me..
Ans: I'm sorry to hear about the struggles in your marriage. The stress of your husband's military career, long periods of separation, and raising a child during the pandemic have taken a toll on your relationship. Your husband's impatience and frustration might be his way of dealing with stress, which affects your intimacy and communication.

Try to approach conversations with empathy and express your feelings calmly, focusing on how you feel rather than what he's doing wrong. Small gestures of affection and quality time can help rebuild your connection. Couples therapy could also be beneficial, providing a safe space to work through issues together.

Take care of your own well-being by engaging in activities that bring you joy and maintaining support from friends and family. This self-care will give you the strength to address the challenges in your relationship.

Your feelings are valid, and seeking help shows your commitment to your marriage. With patience and professional support, there's hope for rekindling the intimacy and closeness you desire.

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Nitin

Nitin Narkhede  |11 Answers  |Ask -

MF, PF Guru - Answered on Sep 15, 2024

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Dear Sir, i am an NRI, investing in mutual funds and stocks through NRO account for quite some time and i am planning to move to india approximately in another 2-3 years of time , given that NRO have high taxation, i just wanted to understand how to swiftly transfer mutual funds and taxes from nro account to indian resident account ? Appreciate if you could provide advice as well as SWP method ?
Ans: Dear Rudolf,
As an NRI planning to move back to India in 2-3 years, transitioning your investments from an NRO account to a resident account requires careful planning. First, once you become a resident, you need to convert your NRO account into a regular resident savings account. This involves contacting your bank, providing updated KYC details, and submitting proof of your new residency status in India. Additionally, you must inform mutual fund houses or registrars (like CAMS/Karvy) about your change in residential status by submitting a KYC modification form.
In terms of taxation, as an NRI, you are currently subject to higher taxes on your investments. Long-term capital gains (LTCG) on equity funds are taxed at 10%, while short-term capital gains (STCG) are taxed at 15%. For debt mutual funds, LTCG is taxed at 20% with indexation benefits, and STCG is taxed according to your income slab. Once you become a resident, the taxation on these investments will continue under resident tax laws, but any new gains after your status change will be taxed according to resident regulations.
To efficiently manage your investments, you can opt for a Systematic Withdrawal Plan (SWP). This allows you to withdraw a fixed amount from your mutual funds regularly while keeping the rest invested. SWP is tax-efficient, as you only pay capital gains tax on the withdrawn portion. After becoming a resident, you can easily set up SWPs to your regular savings account for steady income, while the rest of your investments continue to grow.
So to conclude, it is essential to update your bank and mutual fund KYC details when you return to India to ensure regulatory compliance and take advantage of resident tax laws. SWP can provide regular income while managing taxes efficiently. You need to contact a professional Advisor or CA for managing all your assets.
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Nitin Narkhede  |11 Answers  |Ask -

MF, PF Guru - Answered on Sep 15, 2024

Asked by Anonymous - Sep 14, 2024Hindi
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Money
Hi Sir - I'm 35 years. Both myself and a better half are working with a monthly income of 3.65L together (2.8L mine + 85K wife's). We have a 5 year old male kid. We have a SBI max gain home loan account with a debt of 12.65L and a parked amount of 26.5L apart from the EMI paid so far from previous 5 years. No EMI on car purchased. EPF ~29L, PPF started for both of us an year back. Also started a monthly SIP of ~1.2-1.5L in MF from Jan'2024 with 8.5L balance so far and will continue the SIP in the below funds atleast for next 10 years. Not considering debt funds as I'm already having EPF and PPF components and will periodically review these funds. 1. Nifty next 50 Index, 2. Small Cap 250 Index, 3. Multi Cap, Active 4. Mid Cap, Active 5. Flexi Cap, Active Better half may quit her job by Mar'2025. We are looking to close home loan by March'2025 and stay EMI/debt free with a peace of mind. Is it a wise decision to close a home loan by this financial year and increase the monthly SIP to 2L from next financial year? Or) invest the home loan balance amount in real estate (preferably buying a land)? especially when the home loan interest of upto 3.5L are tax fee in the old tax regime. Thanks!
Ans: Dear Friend, Given your current financial standing, closing your home loan by March 2025 seems like a wise choice. You have Rs 26.5L parked in the SBI Max Gain account, which already reduces your interest liability. By clearing the remaining Rs 12.65L, you can become debt-free, providing peace of mind and freeing up your EMI payments for additional investments. While the home loan offers tax benefits under the old regime, the psychological comfort of being debt-free may outweigh the potential tax savings, especially since your financial portfolio is already strong.
Once the loan is closed, increasing your monthly SIPs to Rs 2L would be a smart move. Over the next 10 years, equity mutual funds, which historically offer returns of 10-12% annually, can significantly grow your wealth. Since you are already investing in a diversified portfolio of index, small-cap, mid-cap, and flexi-cap funds, increasing these investments aligns well with your long-term goals.
Investing in real estate, particularly land, can provide diversification. However, real estate is typically less liquid and the returns can be location-dependent. If you're confident in the property’s growth potential, this can be a good long-term investment. However, your existing strategy of focusing on equity mutual funds will likely offer better returns and flexibility, given your 10-year investment horizon.
So closing your home loan by March 2025 and redirecting the freed-up funds into increased SIPs appears to be the best route. It balances peace of mind, tax efficiency, and long-term wealth creation, while real estate can be considered for diversification if you find a promising opportunity.
There are many real estate opportunities like REIT or Partial ownership in commercial properties which can also yield between 14 to 22% overall return with about 5 to 8% monthly return and 10 to 12% of Growth in the Asset Value at end of tenure.
Investment is commodities like gold and silver can also yield a return of 8 to 10% with reducing the risk in one sector.
Diversification is the mantra, do not depend on only one or two type of investment avenues. Explore other options as well.

Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1065 Answers  |Ask -

General Physician - Answered on Sep 14, 2024

Asked by Anonymous - Sep 13, 2024Hindi
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Health
I am 75 + ....Around two months back I was diagnosed as dengue positive with platelet count at 75,000. with proper medication, platelet counts were increased to 2,05,000 and fever was subsided.However swellings on both arms and legs persisted.. Off late on my both solders i am suffering severe pain and enable to make any movement, i feel like inner vain of my both hands are getting stretched/pulled (right from my solder to the finger tips and swelling on both hands and legs are still there. My doctor says that it may continue for another two three months and proscribed me only pain killer tablets.Doctor says that there is no specific medicine for Dengue. I got thorough blood and urine test along with other test like scanning, x-ray etc. All the test reports are normal except slightly blood sugar (PP) on higher side and enlargement of prostate gland (which is there since last 10 years and i am on regular medicine (silodosin 8-mg, one tab a day) Kindly advise me with your good suggestions that what could be the cause of this problem and which expert doctor I should consult since it is very difficult situation for carrying out my routine activities and also I can't sleep properly due to severe pain. Thank you
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They are mostly self limiting if your lifestyle is well disciplined.
Here are the points towards a healthy lifestyle
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2.Sleeping time to be regulated. Fix a specific time around 9/9.30 pm and unwind from the world particularly off media from 7 pm
3.Regular brisk walking 30 mts a day five days a week
4.Balanaced nutrition and avoid highly refined carbohydrates

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