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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 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
NN Question by NN on Nov 01, 2022Hindi
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Relationship

Good morning Anu ji
Hope you are doing well.
I am a working mother with two kids.
My son is 18 years old and my daughter is 11.
My office offered me to relocate to Malaysia and I opted for it.
I moved with my daughter to Malaysia. My husband and son are in India. This is mutually accepted by family.
The reason I chose this option was because the working environment in India office was very stressful with lots of corporate policies.
My daughter has a creative mindset. She had to struggle in studies due to Indian education system.
My son was in class 12 so I thought he will go to hostel for further studies.

But after moving to Malaysia things got changed. My daughter goes to an international school but the standard of education is very low though fees is very high as compared to India. My son got admission in Delhi, which is good.
Now, I'm confused if I should come back to India or stay in Malaysia with my daughter.
My husband is very co-operative and his office is very supportive that he can work from Malaysia.
Being a mother and a wife I am not able to manage this separation. But my husband wants me to grow in my career.
I know in future I will have to pay a lot for my daughter's study. For the same amount she can go to a good boarding school.
My son also needs my help but I want him to understand that life is not very easy, it is not for enjoyment.
I didn’t want to spoil him so I decided that he will live in PG and become independent.

I don't know if I am doing the right thing for my children.
If I move back to India my husband will not be happy because according to him, I'm getting too emotional.

I don't know what to do -- meet husband’s expectations or take the right step which is good for my family?
Pls help.

Ans:

Dear NN,

Too much of confusion, mostly self-inflicted, if I may add.

You know why I say that, because there is not a mention in your letter/ email on: What is it that you want?

You have conveniently skirted it (the mind can trick you easily) and you are citing excuses to do what others want. What do you want?

Let’s out things into perspective:

1. You shifted for work and now you feel that your daughter’s education is getting impacted

2. You feel like coming back for her education, but you feel that your husband won’t be happy about it.

3. You know that your son might need you now, but then husband thinks you are emotional

It’s time the four of you as a family sat down and spoke rather than thinking and feeling.

Your children are practically adults and are capable of having a sane and conscious conversation that involves the family and their lives as well.

So there’s no more two way conversation between you parents causing more confusion.

Most families go round in circles without realising that who they are discussing about and making decisions on are not even involved in it actively.

In your case, it’s your children…involve them and let them express what they feel is right for them and what they want.

This can help clarify a lot in your mind and your husband also might be aligned to what comes through that 4-way conversation.

It will also bring all of you a while lot closer than before.

All the best!

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 03, 2023

Asked by Anonymous - Jun 24, 2023Hindi
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Relationship
Hello Anu, Hope you are doing good!! Background of Persons: I had arranged married since last once year. I already told them before proceeding that I want to continue my carrier and grow forward in the same city. Also, I want to leave in a joint family along with my parents. My spouse is working in government sector. She told me that my Job is transferrable and i am ok moving forward with you. I am working in MNC at good position and also supporting my family members in their business. Problem: My wife is forcing me to leave separately, shift to another city and start from scratch(zero) in different city having different cultural background. She is also working in government sector and not taking transfer to spouse(husband's) city. Even after explaining couple of times, she is resisting to re-allocate. I am ok if she does anything independently for earning in same city. Also, I will help her in getting the job in private sector in the same city. Also, I will get her employed in another sector through my contacts and preparing her. I am not dependent on her in terms of financial things. We are living separately due to work duties and spent time together for a week in every month or two month as per the adjustment from both of us. My spouse is not talking properly to me, threating me to get divorce. I already had financial and social liabilities on myself which my wife is aware about. I had not seen positive responses from her towards myself, my family and goals. I am ready to leave separately in the same city even if she earns or not. Question: It looks to high danger to me moving to different part of the country having different cultures starting from scratch based on assessments on different parameters. What is the better solution for this ?
Ans: Dear Anonymous,
Well, there isn't much that you can do!
It's possible that your spouse suddenly feels that she might lose more than she gains by any move that she makes. You possibly feel the same.
This only means that both of you have not considered what marriage is and could be. You are using marriage to bring out differences rather than build trust. It's a year and if both of you have not managed to stay true to bringing the best out of each other, I wonder what will make you do that!

Kindly set aside the childish squabbles and suggest to your wife that the two of you need to work on this. Threats may kindly be kept aside...it only widens the gap between the two of you. Bring the conversation to a place where you talk about what it is now and how the two of you want it to be independently to you AND then work on bringing it to WIN-WIN...

Is this possible? Yes, it is provided you channel the conversation as mature adults without threats and pointing our faults and working towards putting the marriage together.

All the best!

..Read more

Kanchan

Kanchan Rai  |403 Answers  |Ask -

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

Asked by Anonymous - Jul 23, 2024Hindi
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Relationship
I have gone my job switch from Noida to Mumbai is banking industry. My wife works in IT firm Gurgaon require to go to office quarterly for 3 days. We have shifted to Mumbai and living in Kandivali east Lokhandwala township. I have daughter 2.5 yrs old we used to send her to playgroup in Noida which have live cctv camera access for parents. In mumbai, it is raining these days and playgroups don't have cctv access to parents. Also accomodation rent is high. Wife wanted to go to Noida and stay there with kid. They will hire maid also full time. My travelling time is also very high 2.30 hrs one side from office to home end to end. Struggling to adjust in mumbai. Because of small houses, playgroup quality, cultural issue , everything. We want advise whether we stay together in mumbai and how things are going or send family to Noida and i am shifting near by office in Lower Parel.
Ans: From a relationship perspective, it's crucial to balance the emotional and practical aspects of your decision. Staying together in Mumbai strengthens your bond and allows you to support each other daily. However, the high living costs, small spaces, and lack of quality playgroups with CCTV access can add stress, compounded by your long commute.

If your wife and daughter move to Noida, they would have a more comfortable environment and better childcare options. However, this means you'll miss daily interactions and could feel emotionally distant over time.

Consider moving closer to your workplace in Mumbai, like Lower Parel, to reduce your commute and spend more time with your family. Also, explore local playgroup options thoroughly, as you might find one that meets your security concerns.

Ultimately, prioritize what provides the most stability and happiness for your family. Open communication with your wife about your concerns and potential solutions is key. Whether you stay in Mumbai or consider temporary separation, ensure regular visits and communication to maintain your bond and stay involved in your daughter's upbringing.

..Read more

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I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.
Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

Best wishes;

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Milind

Milind Vadjikar  |642 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.
Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

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