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Stuck in an Arranged Marriage: Seeking Advice

Anu

Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 22, 2024

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
Asked by Anonymous - Oct 21, 2024Hindi
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I am married for past 2 years it's an arranged marriage. On the first night of marriage my husband told me that he is in love with someone else I was fine with it then when I told my family they asked me to stop being a fool and try to build this marriage. In these 2 years I have been strictly checking his phone asking for his location as advised by his father still he has never touched me . We never talk and i have lost interest in trying after 1 year .I like living with him as I get freedom even though there is no relationship between us I live in joint family and if I go back and take divorce they will get me married again soon . Why should I do !? Should I leave him as he is still in love with someone. Or should I enjoy my freedom. I have asked him to not ask me anything about my life and i will never ask anything to him about his life... please help ?

Ans: Dear Anonymous,
Your first goof-up was being okay with a person who said that he loves someone else.
Your second goof-up was trying to make the marriage work by doing what your father-in-law wanted you to do (check phone).

In both cases, you placed HOPE over your common sense. Maybe it did not occur to you that you are stepping into a world that may never let you live a normal married life?

Now, my question to you is: What freedom are you talking about? This same freedom will someday come back to haunt you as there is no family system that you are part of, no relationships to be part of...Is this okay with you?

Marriages or Life partnerships are not like: you mind your own business and I will mind mine. There is communication, trust, mutual respect, love, affection, giving-receiving...do you think your marriage will have this OR can the two of you work towards this? If YES, give it your best shot else, you really must think: What do I want for and in my life?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
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Anu

Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 01, 2023

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Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants her to get married. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for her and will support me in all respect. Kindly guide me what shall I do.
Ans: Dear P,
It is unfortunate that you had to snoop around and find out about your husband's affair.
And it is understandable that you are trying to ease the pain but HOW?

The way the mind responds is to immediately move away from pain to feel better. But that doesn't mean you jump into another relationship. It is not healthy. This person from your past can be a good friend who can support you as you go through your marriage challenges and decisions that you might eventually make. take time to get to know each other. Who you knew him in the past, may not be the person who he is now. Priorities change, situations change.
Do not assume the same attraction till you have given each other the time and space with each other to gauge this. Even a bit of care and attention will seem like attraction especially when you have a husband who is being just the opposite.
So, my suggestion is to start on a friendly note and see how it grows first before thinking of a committed relationship AND don't forget you have a child too. Your friend will have to understand that if he accepts you, he also needs to be willing to take responsibility to treat your son as his. So, go slow and don't let this connection become a mere distraction. You will both end up spoiling it and you would not done anything to fix your marriage as well.
Does this make sense? You probably wanted a better response from me to get a go-ahead. I can't do that as it will just bring you more heartbreak. Close one door to be able to walk through another one confidently.

All the best!

..Read more

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Anu

Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

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Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love, respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants to marry her. I told these to our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion I decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him . I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in but now its became very difficult for me to continue these married life. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide me what shall I do.
Ans: Dear P.
Never use a current situation to justify a new relationship. You are simply using the new relationship as a distraction from the old unsuccessful one.
Any reason why you had decided to accept your husband's affair?

You have not moved past your marriage to be able to handle another relationship. First things first...
1. What happens to your son in this confusion?
2. Have you decided to separate/divorce your husband before pursuing the new person?
3. Is the new person willing to accept your son and understand that he is a part of all this?
4. Are you living some unfulfilled dream with this man from your past?
5. Are you running away from the pain of your marriage and seeking solace in the new person?

Kindly answer these questions before you jump from one relationship to another. It will save you a lot of heartache and trouble.
Relationships are not something to be used to escape from and into BUT something to be grown into and grown from.

All the best!

..Read more

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Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

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Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants her to get married. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide me what shall I do
Ans: Dear P
Dear P

Big hugs

It sounds like you are in a very difficult and complex situation. Your husband's behavior towards you is not acceptable, and it is understandable that you feel hurt and unsupported in your marriage. It is also understandable that you have feelings for someone from your past who has always been respectful of your marriage and who now wants to be with you.

However, it's important to remember that any decision you make will have consequences, and it's important to carefully consider all the potential outcomes before making a choice. It's also important to think about what is best for you and your son, as well as for the other people involved.

Here are a few things to consider:

Talk to a professional: It may be helpful to speak with a therapist or counselor to help you sort through your feelings and make a decision that is right for you. A professional can provide an objective perspective and help you explore your options.

Think about your priorities: Consider what is most important to you in your life. Do you want to prioritize your own happiness and pursue a relationship with the person you love, or do you want to prioritize your family and the stability of your current living situation?

Consider the impact on your son: Think about how any decision you make will impact your son. Will he be able to adjust to a new living situation, and how will he be affected by your decision to leave your current marriage?

Talk to your husband: If you haven't already, it may be helpful to have an honest conversation with your husband about how his behavior has made you feel and what you need from him in order to feel supported and respected in your marriage.

Think about the long-term: Consider the long-term implications of any decision you make. How will it impact your financial situation, your relationships with family members, and your own emotional well-being?

Ultimately, the decision about what to do is yours, and it's important to make a choice that feels right for you. Just remember to take your time, think carefully, and seek support from those you trust.

..Read more

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |183 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
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Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |183 Answers  |Ask -

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Asked by Anonymous - Aug 02, 2024Hindi
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Dr Nagarajan Jsk   |183 Answers  |Ask -

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Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi
Money
Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.
Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Kanchan

Kanchan Rai  |444 Answers  |Ask -

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

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I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.
Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

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Top4 sips with 15k amount suggest me
Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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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