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Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 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
JS Question by JS on May 25, 2022Hindi
Relationship

Dear Ms. Anu Krishna, I came across a couple of your Columns Ask Anu this morning and instantly thought of taking your advice/opinion for the problems I am facing in my marriage.
And I would like to go anonymous for obvious reasons. Pls spare 5-6 mins to read below.
I am a 30 year old guy. I will try to keep it very short. I have been married for the last 6 years and we have a 4 year old child. It was a love and arranged marriage. Going to the past quickly, my wife and I got into a relationship about 2 years before marriage.
My wife is also the same age as mine, just 30 now. Though my wife never voluntarily revealed it earlier, later I got to realize that she was almost in an 8-9 years relationship with her school mate which started as early as from their high school. Since the boy was from a different religion, the boy's family did not accept their relationship and said no when the girl's parents approached with a marriage proposal after she spoke to her home. Since the boy did not have the courage to argue with his parents, they broke up their relationship with mutual consent however remained as friends.

During this time only we got to know each other and she instantly liked me and we got into a relationship. Several times I was suspicious about her so-called friend's (ex- bf) behaviour. But my gf never revealed it to me.
At one point of time I bumped into her red handed as she lied to me and went on a dinner date with him and after she saw me face to face she revealed he was her ex bf and he now says he want to marry her and doesn't care about his father's approval. I was shocked to hear this, as my gf was asking me what she should do. Her ex-bf talked to me saying to let her go as I was just a rebound relationship in her life and she loves him and their relationship is stronger for over 8 years as mine was just less than 2 years.

Though my mind could understand it, my heart did not.
When I asked my gf about this she said she loves me only and not to trust him however I could see she was not confident. Then she said we should get married soon to avoid such problems coming up. She spoke to her parents, they agreed, they liked me instantly.
My parents were slightly worried as I was in my early 25 year and so was she. However since I was in a very good job and well paid, so was my gf, I pushed my parents into accepting the marriage proposal promising we would be happy. We got married. After which problems started.

She was always very sad and down. She never showed that happiness how she used to be in our two years of relationship. She did not mingle with my family and friends. She always kept it to herself. She never wanted to be physical with me. She either said some random reasons or somehow avoided it. She used to go to her parents house very often and I noticed she was very happy there but not when she came back here.
Meanwhile she got pregnant with my child on one occasion where we got intimate and though she could not control that incident in advance, she kept saying let's stop this. But it happened. She got conceived and our son was born. Since she got conceived till date (5 years now) we hardly have been physically intimate less than 10 times only, out of my compulsion that too. The last time about a year ago she went to her parent's home and she did not return at all. Now she says she doesn't want to live with me and says there is no love and care in this marriage life. Now I tried several attempts to talk to her about what the issue was, she was never ready to discuss and it became bigger fights and bigger gaps between us. Her parents took her side and my parents are hopeless as they feel I have been hasty to enter married life in my very young age.
Now my wife stopped showing my son to me completely, in spite of my literally begging at least to let him be in touch with me., she denied and deprived me. Now she is asking for divorce. She left her job after marriage and now lives on her parents' support only. She vacated her house and lives in some apartment with her parents I guess, for which I don't know the address.

I feel she is in touch with her ex-bf which might be the problem for all this chaos, however I am unsure of it. I want to save this marriage. I really don't know what to do. I offered her many solutions like she can do higher studies or start some business if she likes or can go to work, and I am ready to support her wholeheartedly. I have told this several times since she quit her job voluntarily after marriage. She isn't ready for any and all she wants now is divorce. I approached the senior members of her relatives where everyone says they are unaware about her whereabouts. She has not responded and returned my calls or messages for almost 7-8 months now.
I don't want to get divorced. I love her. I love my son and I miss him.
I want to fix it somehow. She isn't ready to go to for couples counselling to solve this, neither responds to any mediation from my side senior members of the family and relatives.
About me, I am a good-hearted guy. Yes, I have flaws, sometimes I am a little dominating and might get angry and speak harsh words. I have changed a lot over the years and it's gotten better these days. Apart from that, I don't have any negatives I believe.
Help me. Pls give suggestions on what to do.
Thanks in advance Ms. Anu. Sincerely awaiting your sincere advice/solution.

Ans:

Dear JS,

You love her, but does she love you? Has she ever loved you?

Be very truthful about answering this…What’s the point pursuing a relationship when there isn’t any to begin with?

Why do people think that marriage or having children can bring two people closer or set things right in a relationship? They are not FIX-ITS; so let’s stop pretending that all will be fine once you do this, this and that.

Look within; boyfriend still hangs around to tell you to let her go.

Didn’t you think it was necessary to clarify things with her before marrying her?

Anyway, a lot has happened, and I can only empathize with you. You do have the right to meet your child and the only route is the legal one as she is clearly set not to get back with you.

Ask yourself these reality check questions:

Is she going to come back and make the marriage work together?

Is she going to allow me to meet the child without any resistance?

Is she willing to do a lot of inner work with a professional?

If the answers to the above are NO, then step up and do the right thing for your child as well. He does have the right to receive love from his father as well.

Marriage or any relationship requires a lot of love to grow together and shedding of egos.

A strong WHY to be in the relationship. When the foundation itself is weak, how can this work?

Being good-hearted is great, but if has begin to erode your peace, its’ time to re-evaluate and be good to yourself first.

If you want this marriage to work, do establish, connection with her, and please go into therapy together. Make the foundation of marriage so strong that it’s built only on trust. Love, compassion and respect. So, now you know what you can do and how.

All the best and be happy!

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    Ans:

    You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

    And instead of addressing the issues, you decided to go ahead and have a second child?

    Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

    From everything you’ve told me, you seem to come across as an insecure husband.

    I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

    Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

    Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

    Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

    I do think marital counselling is in order. And yes, maybe separately at first and then together.

    Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

     

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    Ans: Dear Anonymous,
    Too much of a mess, yeah?
    Why they hid certain facts and what impact that has had on your marriage is something that you are experiencing. Relationships are built on trust and honesty leads to that trust. You possibly feel being misled multiple times over and it will indeed affect the mind state of your children.
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    If you want to end it through a legal recourse, find an able lawyer who specializes in divorce cases. She/he will advise you on annulment or mutual consent divorce or filing for one. These options come to a better choice when you seek an expert in legal matters.
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    Index Funds: UTI Nifty 50 and UTI Next 50 are index funds that track the Nifty 50 and Nifty Next 50 indices, respectively. These funds provide exposure to top-performing large-cap and mid-cap companies, offering broad market diversification with relatively lower expense ratios.
    Flexi-cap Funds: Parag Parikh Flexi Cap Fund and Navi Midcap 150 are flexi-cap and mid-cap funds, respectively. These funds have the flexibility to invest across companies of various market capitalizations, providing diversification and the potential for higher returns.
    Small-cap Funds: Quant Small Cap Fund focuses on investing in small-cap companies with high growth potential. Small-cap funds can be more volatile but offer the potential for significant long-term returns.
    Overall, your portfolio is well-diversified across large-cap, mid-cap, and small-cap segments of the market, which can help spread risk and optimize returns over the long term. However, it's essential to regularly review your portfolio's performance and ensure it remains aligned with your financial goals and risk tolerance.

    Consider consulting with a Certified Financial Planner to evaluate your investment strategy and make any necessary adjustments based on changes in market conditions or your personal circumstances. They can provide personalized guidance to help you achieve your investment objectives with confidence.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1249 Answers  |Ask -

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

    Asked by Anonymous - Apr 11, 2024Hindi
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    Sir , I'm 35 years now , Investing In company PPF ( COAL INDIA LIMITED) 10500 per month, need to further Invest 10000 per month in MF for long term and my risk category is Conservative
    Ans: Given your conservative risk profile and the desire for long-term investment, it's prudent to consider mutual fund options that prioritize stability and consistent returns. Here are some suggestions:

    Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and lower volatility. They offer relatively lower risk compared to mid-cap or small-cap funds. Look for funds with a proven track record of delivering consistent returns over the long term.
    Balanced Advantage Funds: These funds dynamically allocate between equity and debt instruments based on market conditions, aiming to provide stable returns with lower volatility. They can be suitable for conservative investors seeking a balance between growth and capital preservation.
    Hybrid Equity Funds: These funds invest in a mix of equity and debt instruments, offering diversification and downside protection. They are suitable for investors looking for a combination of growth and stability in their portfolio.
    Index Funds: These funds passively track a market index like the Nifty 50 or Sensex, offering broad market exposure with low expenses. They can be a suitable option for conservative investors seeking stable returns without active fund management.
    Debt Funds: Consider allocating a portion of your investment to debt funds for stability and income generation. Options include short-duration funds or corporate bond funds, which invest in high-quality fixed income securities.
    Before investing, carefully assess the risk-return profile of each fund and ensure it aligns with your investment objectives and risk tolerance. It's also advisable to consult with a Certified Financial Planner to create a personalized investment plan tailored to your financial goals and circumstances. They can provide valuable guidance and help you navigate the complexities of mutual fund investing to achieve long-term wealth accumulation with peace of mind.
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    Ramalingam

    Ramalingam Kalirajan  |1249 Answers  |Ask -

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

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    I am buying MFs through icici direct It was till now mostly elss to save tax I want to invest in bulk ( no SIP ) now My questio is I gather icici would charge 1.5 % upfront for any buys and 1% on it every year then onwards so after 10 yars i gain say 15 % overall then , 11.5 % ( 1.5 +10 ) will already been charged by icici leaving me with 3.5% returns? Is this correct ? they never rwspond transparently abd give evasive replies
    Ans: It's important to clarify the fee structure and its impact on your overall returns when investing through platforms like ICICI Direct. While they may charge an upfront fee and an annual fee for maintaining your investments, the impact on your returns may not be as significant as you've outlined.

    Firstly, the upfront fee is typically a one-time charge applied at the time of purchase and is not deducted annually from your investment returns. Similarly, the annual fee (if applicable) is usually a percentage of the assets under management and is deducted from your investment periodically, rather than as a lump sum at the end of the investment period.

    While fees can affect your returns, it's essential to consider the potential returns generated by your investments over time. If your investments perform well, they can potentially outweigh the impact of fees on your overall returns.

    However, it's crucial to have clarity on the fee structure and its impact on your investments. If you're unsure about the fees charged by ICICI Direct or if you feel they're not being transparent, it may be beneficial to seek advice from a Mutual Fund Distributor (MFD) who can provide unbiased guidance and help you navigate the investment process more effectively. Working with an MFD can bring synergy to your investment journey and ensure you make informed decisions aligned with your financial goals.
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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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