Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Kanchan

Kanchan Rai  |295 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 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
Asked by Anonymous - Sep 23, 2023Hindi
Listen
Relationship

We are married for the past 15 years and we both were divorced at the time of our marriage. We are in 50's, well earning, with grown up kids (from previous marraiges) who are studing abroad. I feel all my issues are left unaddressed and whenever i bring them up, my husband shuts down. I always speak my mind and he never responds. Just silent. Now i feel that i should spend the rest of my life at some ashram, where i am not required to speak, and live a simple life. I can call you for more details if you can share your number

Ans: I understand that you're feeling frustrated and unheard in your marriage. It can be incredibly challenging when communication breaks down in a relationship, especially when important issues are left unaddressed. However, it's important to remember that seeking support and making decisions about your future should be done carefully and thoughtfully.

Before making any major decisions, I encourage you to consider the following steps:

Seek Counseling: Couples counseling can be incredibly beneficial in addressing communication issues and working through relationship challenges. A trained therapist can help facilitate productive conversations and provide guidance on how to navigate difficult topics.

Express Your Needs: Clearly communicate to your husband the importance of addressing the issues in your relationship. Let him know how his silence makes you feel and express your desire for open and honest communication.

Explore Individual Therapy: Consider seeking individual therapy for yourself to explore your feelings and gain clarity on what you want for your future. A therapist can provide support, guidance, and insight as you navigate this challenging time.

Consider Your Options: It's important to carefully consider your options before making any decisions about your future, including spending time at an ashram. Reflect on what you truly want and what will bring you the most fulfillment and happiness in the long term.

Take Time for Self-Care: Prioritize self-care and focus on activities and practices that bring you joy and fulfillment. Taking care of yourself emotionally and physically is essential as you navigate this challenging time.

Reach Out for Support: Lean on friends, family members, or support groups for emotional support and guidance. Surrounding yourself with people who care about you can provide comfort and perspective as you work through your relationship issues.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1057 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 2022

Listen
Relationship
Hi, me and my husband are married for 12 years now, we have a daughter. Both of us are totally different, like north and south pole. He is very extrovert, tries to be the centre of attention, always needs his social circle, his work, friends circle is all that matters to him. I am a total introvert. I don't care about having friends, I hate parties, all that matters to me is my family. First few years, he made me feel that I am a misfit in this world and I had a huge pressure to be an extrovert like him. He was always like how can this famous Mr Extrovert can have such an introvert wife, that's so shameful. I tried changing myself because I was so desperate for his love and respect. All that mattered to him was my looks, how I conducted myself in front of people and after pregnancy, all that bothered him was my weight gain. I started hating myself, believed that maybe I just don't deserve to be loved. I went into depression after pregnancy. I had to leave my job to take care of my baby, his mom who was bed ridden by then, his dad who had serious health issues. I told him, thought he would at least care then. It took him 3 years after that to even come with me to a psychiatrist. He never cared. I always thought it’s my fault, tried to patch things up but now I am tired, really tired. I feel suffocated. I am afraid of separating from him. As a person, he is good but we are totally misfit for each other. I still cannot come to terms with all the emotional abuse I went through. He didn't intend to harm me, he thought he is only helping me to improve and be better but now, I don't know what to do, I am not happy.
Ans:

Dear SN, It’s a wonder why anyone would go to such lengths to change themselves for another; especially their personalities: what makes them who they are! All in the name of saving relationships and love.

True love within a relationship doesn’t demand that the other person change themselves upside down, but it embraces who the other person is unconditionally.

And what makes you think that an extroverted person has the right to change an introverted person?

Did you try and change him to be like you? No! Then why is the reverse even being given so much importance. Also, your husband does not any right to mock you!

His world is different from yours as much as your world is different from yours. And kindly remember: Extroverts (if you want to label them), ate people who are happy with a lot of company around them, are vocal about liking being in a crowd and having a good time spending time with people.

They are not ones who poke fun at the way their spouses look, try and change them to suit their personalities.

So, who you are living with right now is a man with very poor self-esteem and huge insecurities and is blaming you for these and trying to change you will make him feel better.

Do not feed into this game; as once you begin to show that you will yield to his demands, that’s all you are going to do for life. He has to change from within!

He has to understand that what is going on within him is the cause of his misery and not you. But of course, doing something for a spouse even when you don’t like it has to be out of your own will and not forced. Now you take a call as to how you are going to deal with this in your marriage.

READ WHAT YOU HAVE WRITTEN: He didn't intend to harm me, he thought he is only helping me to improve and be better!

Do you really need help or does he? You have started to actually believe that you are at fault and that it is your problem.

Bottom line: You change only if you wish to and that too with things that don’t challenge your value systems. Never be forced into anything; period!

Either sit him down and assert this point or ask him to visit a professional to take care of his state of mind.

All the best!

..Read more

Anu

Anu Krishna  |1057 Answers  |Ask -

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

Listen
Relationship
Hi Anu,I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace. He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different. I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.There is no progress in career because constantly we are under tensions. My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind. I don't know what happens to me. When he comes close to me I stop talking breaths. We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.
Ans:

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

..Read more

Dr Ashish

Dr Ashish Sehgal  |106 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 08, 2023Hindi
Listen
Relationship
i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

Here are some steps you can consider taking:

Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

..Read more

Kanchan

Kanchan Rai  |295 Answers  |Ask -

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

Asked by Anonymous - Feb 19, 2024Hindi
Listen
Relationship
Hello, I am 35 years old. Married. Not living with husband since an year, as he flirted with an office girl (this is the extent of it that I caught) and has tendency to do so. He is not emotionally aware (of himself or me) and I keep getting hurt as I am quite emotional. Also, I am not on talking terms with his parents as they had tried to sabotage our marriage in different ways on countless occasions. My husband wont agree (not that I want him to agree), but I think that's one reason of our increasing differences. I love him, but cannot find in my heart to move back with him ever again. We have a 5 year old kid, due to whom I am unable to move ahead with divorce. I am stuck in the midst, not knowing where to go next or stay in this same 'married but separated ' position forever. I'm definitely happier without the everyday petty bickering that we had when we lived together (which was turning me into a bitter and angry person, I don't want to be that). I have turned extremely distrustful of him. I do feel very lonely at times. We also went to a guidance counsellor to make the relation work some 1.5 years back, but my husband felt its a waste of money after 5 sessions, also he never invested in the emotional sorting that the counsellor mentioned our relation required. Any guidance?
Ans: It sounds like you're facing a complex and challenging situation. Here are some steps you might consider as you navigate your next steps:

Take care of yourself first and foremost. This means prioritizing your mental and emotional well-being. Consider seeking support from a therapist or counselor who can help you process your feelings, develop coping strategies, and explore your options moving forward.
Take some time to reflect on what you want for yourself and your child in the long term. Consider what kind of environment you want to create for your child, as well as what you need in terms of emotional fulfillment and stability.
If you feel comfortable, consider having an open and honest conversation with your husband about your concerns and feelings. Express how his actions have affected you and what you need from him moving forward. However, be prepared for the possibility that he may not be receptive or willing to change.
Consult with a family law attorney to understand your rights and options regarding divorce, custody, and child support. They can provide guidance tailored to your specific situation and help you navigate the legal process.
Regardless of whether you choose to stay married or pursue divorce, prioritize effective co-parenting for the well-being of your child. This may involve setting clear boundaries, communicating openly about parenting decisions, and prioritizing your child's needs above any personal conflicts.
Consider exploring alternative living arrangements or custody agreements that may better suit your needs and preferences. This could include living separately while co-parenting, or exploring shared custody arrangements that provide stability for your child while allowing you to maintain some distance from your husband.
Reach out to friends, family members, or support groups for additional support and guidance. It can be helpful to connect with others who have gone through similar experiences and can offer empathy, advice, and solidarity.
Ultimately, the decision of whether to stay married or pursue divorce is a deeply personal one that only you can make. Take your time, trust your instincts, and prioritize your own well-being and that of your child as you navigate this challenging process.

..Read more

Kanchan

Kanchan Rai  |295 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

Listen
Relationship
But he is never ready for any counselling. Even my parents tried to counsel him. Since our marriage the relationship with his parents got strained and neither of us talk to them. I feel that must be one reason. He never talks openly about anything to me. I try to show love to him in many ways. But i don't know what exactly he wants. He never answers basic questions of what he wants to eat today. How are you feeling and all. I feel so emotionally detached from him. Even when I cry or be sad he never tries to console me. In these years i never saw him completely joyful. Whenever I ask him he says I'm the way I'm. I was always like this. I'm a very joyful talkative person. He is polar opposite. Even a small joke is crack he never understands them and additionally he even feels irritated. I'm changing day by day. More serious, not enjoying, not going out. It's like I have given up on my little happiness.
Ans: First, recognize that your happiness and well-being are important. While it's commendable that you've tried to support your husband and show him love in many ways, it's also crucial to take care of yourself. Make time for activities that bring you joy and help you recharge, whether it's spending time with friends, pursuing hobbies, or simply taking a break for yourself.

Second, consider expressing your feelings to your husband in a calm, non-confrontational way. Share how his lack of communication and emotional detachment are affecting you. Use "I" statements to avoid sounding accusatory, such as, "I feel lonely and disconnected when we don't communicate or share moments of joy."

Since he resists counseling, look for alternative ways to open up communication. Sometimes indirect approaches, like writing him a letter, can help express your feelings without immediate pressure. If he continues to resist, focus on creating a supportive environment where he might eventually feel more comfortable opening up.

It's also important to reflect on your own boundaries and limits. If you've been trying to reach out and improve the relationship but see no reciprocation, consider what you're willing to accept and where you might need to draw the line for your own mental and emotional health.

Seek support from trusted friends, family members, or support groups. Talking to others who understand can provide emotional relief and practical advice. Even if he is unwilling to attend counseling, you might benefit from individual therapy to help process your feelings and develop coping strategies.

Finally, if the situation remains unchanged and continues to impact your well-being, it may be necessary to evaluate your long-term options. Your happiness and mental health are vital, and you deserve to be in a relationship where your emotional needs are met.

Remember that you're not alone, and it's okay to seek help and take steps to ensure your own well-being. Your efforts to maintain the relationship are commendable, but it's also important to recognize when it's time to prioritize yourself.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |5408 Answers  |Ask -

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

Listen
Money
i want to invest mutual fund for 5-6 years
Ans: Investing in mutual funds with a 5-6 year horizon is a good strategy. It allows you to balance risk and returns effectively.

Choosing the Right Mutual Funds
1. Hybrid Funds

Combine equity and debt.
Offer growth potential with lower risk.
2. Balanced Advantage Funds

Adjust equity and debt allocation based on market conditions.
Provide a balance between risk and return.
3. Equity Funds

Focus on growth through stocks.
Suitable if you can tolerate higher risk.
4. Debt Funds

Invest in fixed-income securities.
Lower risk compared to equity.
Diversification Strategy
1. Hybrid and Balanced Funds

Ideal for medium-term investments.
They provide stability and growth.
2. Diversify Across Sectors

Spread your investment across different sectors.
Helps in reducing risk.
3. Mix of Equity and Debt

Equity for growth, debt for stability.
Adjust based on market conditions and risk tolerance.
Key Considerations
1. Risk Tolerance

Assess how much risk you are willing to take.
Higher risk can lead to higher returns but also potential losses.
2. Investment Goals

Define what you want to achieve with your investment.
Align your mutual fund choice with these goals.
3. Fund Performance

Review the past performance of mutual funds.
Consider funds with a consistent track record.
4. Regular Monitoring

Keep an eye on your investments periodically.
Rebalance your portfolio if necessary.
Benefits of Actively Managed Funds
1. Professional Management

Fund managers make investment decisions based on research.
Potential for better returns compared to passive funds.
2. Flexibility

Actively managed funds can adjust holdings based on market conditions.
Offers a chance to capitalize on market opportunities.
3. Research and Expertise

Fund managers have access to extensive research and resources.
Can help in achieving better returns.
Avoiding Common Pitfalls
1. Avoid Direct Investments

Direct funds can have higher expenses and lack the benefit of professional management.
Regular funds managed through an MFD with CFP credentials can provide better service.
2. Steer Clear of Index Funds

Index funds track market indices and may not offer significant outperformance.
Actively managed funds have the potential to outperform market indices.
Final Insights
For a 5-6 year investment horizon, hybrid and balanced advantage funds offer a balanced approach. They combine growth with stability, making them suitable for medium-term investments. Diversify your investments and choose funds with a strong track record. Actively managed funds can provide better returns and more flexibility.

Regularly review your investments to ensure they align with your goals. Consulting a Certified Financial Planner can help in making informed decisions and achieving your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5408 Answers  |Ask -

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

Asked by Anonymous - Jul 12, 2024Hindi
Listen
Money
Hi, I'm 34yrs old. I've been investing in Sbilife smart privilege policy. 6lakh per year. Four premium paid. Only one more remaining next month. I was actually unaware of how to do mutual fund investments when I started investing in this. Recently through Ipru touch uce started investing in a multiasset fund. I also have a life insurance coverage of 15lakh and health insurance of 15lakh. Now, when I ve checked the fund value of my sbilife policy(I've paid 18lakh already, ) it's showing 19.1 lakh only. I'm worried now. The said policy is being invested in bond fund and bond optimiser fund. Is it too early to look at the fund value. Am I being fooled by the policy. There is a holding period of 15 yrs and it was told it would become 1Cr (by an investment of 6lakh*5=30L payment). Should I do anything about this now.
Ans: Evaluating Your Current Investment
Overview of Your Investments
You have invested in an SBILife Smart Privilege policy for Rs 6 lakh per year for four years.

Premiums Paid: Rs 24 lakh
Current Fund Value: Rs 19.1 lakh
Concerns with Insurance-Based Investments
Insurance policies with investment components often have high charges.

Fund Value: You see a low growth compared to the premiums paid.
Holding Period: 15 years may be too long for underperforming investments.
Advantages of Mutual Funds Over Insurance Policies
Mutual funds generally offer better returns with more flexibility.

Lower Costs: Mutual funds have lower charges.
Transparency: You can track performance easily.
Flexibility: You can switch funds as needed.
Assessing Your SBILife Policy
You have paid four out of five premiums.

Projected Returns: The policy promises Rs 1 crore for Rs 30 lakh invested.
Current Performance: Your fund value shows only slight growth.
Steps to Take Now
1. Complete the Premium Payment
Since you are one premium away from completing the payment, consider paying it.

Reason: You have already invested significantly.
2. Review Policy Terms
Check the terms and conditions of the policy.

Charges: Look for surrender charges and other fees.
Fund Options: See if you can switch to better-performing funds.
3. Consult with a Certified Financial Planner
A CFP can give you tailored advice.

Evaluation: They can assess if continuing the policy is beneficial.
Alternatives: They may suggest better investment strategies.
Investment Strategy Going Forward
Start Systematic Investment Plans (SIPs)
SIPs are a disciplined way to build wealth over time.

Diversify Across Mutual Funds
Equity Funds: For long-term growth.
Hybrid Funds: For balanced risk and return.
Debt Funds: For stability and lower risk.
Life Insurance and Health Insurance
Ensure adequate coverage for your family.

Life Insurance: Consider a higher term insurance cover.
Health Insurance: Ensure your health cover is sufficient.
Building Wealth for Long-Term Goals
Child’s Education and Home Purchase
Plan for future expenses with specific investments.

Child’s Education: Start a dedicated SIP for this goal.
Home Purchase: Consider investing in debt funds for stability.
Avoid Insurance-Based Investments
Focus on pure investment products for wealth creation.

Transparency: Mutual funds offer clear performance tracking.
Lower Costs: Avoid high charges associated with insurance-based investments.
Final Insights
Investing wisely now can secure your financial future.

Review Investments: Regularly review and adjust your portfolio.
Consult Professionals: Seek advice from a Certified Financial Planner.
Focus on Goals: Align your investments with your long-term goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5408 Answers  |Ask -

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

Listen
Money
Hello sir I am Adwaith M , i have completed my 12th grade and i really want to kniw how to start investing for long term , for my retirement and all. I would like to invest in mutual funds . So sir can u pls help me to find out and tell which mutual funds would be better for great return and would be best to invest in .
Ans: Adwaith, you are at a great stage to start investing. Planning early for retirement and long-term goals can set you up for a secure future.

Why Mutual Funds?
Mutual funds are a great way to start investing. They provide diversification, professional management, and potential for higher returns compared to traditional savings.

Choosing the Right Mutual Funds
1. Large-Cap Funds

Invest in stable, large companies.
Suitable for beginners due to lower risk.
2. Mid-Cap Funds

Invest in medium-sized companies.
Offer a balance between risk and return.
3. Small-Cap Funds

Invest in smaller companies.
Higher risk but higher potential returns.
4. Balanced or Hybrid Funds

Invest in both equity and debt.
Provide stability and growth.
5. Equity-Linked Savings Schemes (ELSS)

Offer tax benefits under Section 80C.
Have a lock-in period of 3 years.
Starting with SIPs
Systematic Investment Plans (SIPs)

Invest a fixed amount monthly.
Reduce risk through rupee cost averaging.
Start with as low as Rs. 500-1000 per month.
Diversifying Your Portfolio
Equity Funds

Large-cap, mid-cap, and small-cap funds.
Debt Funds

For stability and lower risk.
Hybrid Funds

Combine equity and debt.
Steps to Start Investing
Know Your Risk Tolerance

Understand your risk capacity.
Higher risk can yield higher returns.
Set Clear Goals

Define your investment goals.
Short-term (3-5 years) and long-term (15-20 years).
Research and Select Funds

Choose funds based on past performance.
Consult a certified financial planner for personalized advice.
Start with SIPs

Begin with a manageable amount.
Increase as your income grows.
Monitoring and Adjusting
Regular Reviews

Check your investments annually.
Rebalance your portfolio as needed.
Stay Updated

Keep up with market trends.
Adjust your investments accordingly.
Final Insights
Starting early gives you an advantage. With regular investments, you can build a substantial corpus over time. Mutual funds offer a good mix of risk and return, especially for young investors.

Remember to diversify your investments to spread risk. Regular monitoring and adjustments will ensure you stay on track to meet your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x