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Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 13, 2025

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 - Jun 19, 2025Hindi
Relationship

My name is Ratan. I have been married for the last 9 years. I have two children. My wife told me that she is married from before and her first husband repeatedly pressurizes her to take her and take her with him. She also insists on going with him because he threatens to kill her. Now my wife tells me that you should give me divorce. If the next one is not ready to give it to her, then she wants to leave me and both of them and go to her home. What should I do?

Ans: Dear Ratan,
First, your priority should be safety—yours, your children’s, and your wife’s. If her first husband is making threats, that’s a criminal matter. You should seriously consider involving the police or seeking legal protection, because threats of violence cannot be ignored.

Second, it’s important to get clear on the legal status of your marriage. If she was still legally married to her first husband when she married you, your current marriage may not be valid under law. This makes legal advice from a good family lawyer essential—you need to understand your rights, your children’s rights, and what steps can protect them.

Third, try to separate the emotional shock from the practical actions needed. Your wife’s choices are hurting you deeply, but right now, the focus should be on making sure your children don’t get abandoned or caught in unsafe situations. If she insists on leaving, you can explore custody arrangements through court so your children remain with you and have stability.

This is not a situation to face alone. Reach out to trusted family members who can support you, and take professional help—both legal and emotional—so you can act calmly and with clarity.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 29, 2023

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Relationship
Hi Anu. I married intercaste in a hurry going against my family. My wife seems loves me a lot but she is also a screamer and likes to create a scene when we fight. She knows it is my weak point and continues to push it with the yelling till the neighbours come to our doorstep. When the fighting got really bad I slapped her a couple of times and now I am the bad guy. Sex life is ok if we are not fighting. But fights get really ugly. After a point I lost all the love and am going through the motions for the sake of my kids. Lately my son also started answering back to her when she screams at him. Do you suggest I go for separation? She says no to therapy as she does not think anything is wrong with her. Infact she thinks I need counselling.
Ans: Dear Ravi,
Sometimes screaming could be a means to get attention. if you notice a toddler, he/she will cry and scream, throw toys around to gain the parents' attention. So, it could just be a way for express her emotions.

Even as adults, at times we are stuck around like we were when we were children and use similar means of communication. She could be doing the same. So, when she is in a calm space, that is the time to speak with her and clearly impressing upon her how her actions have begun to impact the child. If he is modeling her behaviour, she needs to take stock of what's happening with her.
So, you maybe right that she can see an expert; but what I would suggest is: When she is calm, rather than point out her behaviour which she may feel accused for, handle it with gentle patience. Ask her: how she is feeling and what makes her upset over something?
Work on the issue together rather than asking her to deal with it. This approach will make her feel like she is the problem and she will try and defend herself and refuse all help. It maybe difficult given what you are facing, but hey, it's love for the other person that you are willing to do what it takes, right?
In a marriage, the two of you are always on the same side, yeah? So unite to conquer...

All the best!

..Read more

Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 31, 2023

Asked by Anonymous - Oct 29, 2023Hindi
Relationship
Hi Ma'am, I am 36 years old and got married in the year 2014. I wanted to be in a joint family but my wife does not like it from the starting days itself. My parents used to stay with me periodically but not continuously. We have 2 boy children now. During my 1st boy child naming ceremony, my wife's family created issues and threatened me and my mother with bad words and forced for a separate family which i never agreed. After that issue, my wife never returned to my matrimonial home. After lot of efforts from my relatives, we joined back again. But the personal vengeance of my wife on my parents still continued. She used to misbehave with them some times like not listening to my mother's words and she never used to help my mother on all the house hold activities. My mother used to take care of all the household works. In the mean time we are blessed with 2nd boy. She stayed in my house during her second pregnancy, her preganancy well assisted by my mother and me both financially and emotionally. But i used to tell my wife to do very small houshold activities to make her physically well fit for her normal delivery but she took that suggession in a wring way and considered it as a torcher. During her ninth month of her pregnancy she went to her parents house to write a competitive exam but never returned back instead she continued to stay there and returning back to my home. So it has been more than two years now that she left me. During this time, i visited for her birthday, her father died, me and my parents visited his funeral, i visited my sons birthday. So i almost did all my efforts to bring back her to my home but she refused all my chances. So I filed a divorce case since i dont have any hope in my marriage life anymore. But i wanted to live with her since we have two children. Any suggestions/advices please.
Ans: I understand the complex and challenging situation you're facing in your marriage. It's clear that there have been significant conflicts and misunderstandings between you and your wife, and you've made attempts to resolve them. Here are some thoughts and advice from a counseling perspective:

Open Communication: Effective and empathetic communication is crucial. Encourage both you and your wife to express your feelings and concerns in a safe and non-confrontational manner. A counselor can help facilitate these discussions and ensure that both parties have a chance to be heard.
Professional Counseling: Seeking the help of a qualified marriage counselor or therapist is highly recommended. A counselor can provide a neutral perspective, offer strategies for conflict resolution, and help you both explore the underlying issues in your relationship.
Child-Centered Approach: As you have children, it's vital to prioritize their well-being. Regardless of the outcome, work together on a co-parenting plan that focuses on their emotional and psychological needs. A counselor can assist in creating a plan that ensures your children's stability and happiness.
Understanding and Empathy: Try to understand each other's perspectives, feelings, and needs. There seems to be a lack of understanding between you and your wife, and it's important to build empathy and find common ground.
Legal Matters: Consult with a family lawyer to fully understand your rights, responsibilities, and potential outcomes regarding divorce, child custody, and financial matters. It's crucial to be well-informed about the legal implications of your decisions.
Reconciliation Efforts: If both you and your wife are open to the possibility of reconciliation, be prepared for a long and challenging process. It will require time, patience, and a willingness to address the root causes of your issues.
Understanding: Try to understand your wife's perspective and feelings, and encourage her to understand yours. Misunderstandings can often lead to conflicts, and gaining insight into each other's point of view can be a first step toward resolution.
Co-parenting: Regardless of the outcome of your marriage, your focus should be on the well-being of your children. It's essential to develop a co-parenting plan that prioritizes their needs and stability. Self-Care: Take care of your own well-being. Navigating these difficult circumstances can be emotionally and mentally taxing, so ensure you maintain your own emotional and mental health.
Reflect on Your Expectations: Take time to reflect on your expectations regarding family arrangements and what you're willing to compromise on. It may be necessary to find a middle ground between your desire for a joint family and your wife's preference for a separate one.

Remember that the decision to reconcile or proceed with the divorce should be made with the well-being of both you and your wife, as well as your children, in mind. Professional counseling and mediation can provide the support and tools you need to navigate this challenging situation. Whether the ultimate goal is reconciliation or an amicable separation, the involvement of a qualified therapist can be instrumental in moving forward in a healthy and constructive way.

..Read more

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 24, 2024

Asked by Anonymous - May 23, 2024Hindi
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Relationship
Hi Anu! I am 46 yrs old. I am married and have two daughters. I fell in love with a woman of 3-4 yrs younger to me, around 8 yrs ago. She was not happy with her marriage and she took divorce as I helped her to come over her trauma. It was very fine relationship between both of us. Now she is asking me to give divorce to my wife and to get marry with her. I really love my wife and her also, b'coz she also loves me so much and so do I. What to do now as my wife doesn't want to accept her and neither she wants to accept my wife.
Ans: Dear Anonymous,
No man would want to be where you are; seriously!
Now, how you got yourself in this mess is anybody's guess...but for the sake of your family (things are going well for you), make a decision that works best for everyone; at least in the long term. (It is ethically not right for me to make a decision for you).

It maybe unfair to either of the women and you are going to have to bear the consequences...
Now, I am not judging you or what you have done but you obviously knew all along that being in love with the other lady was a choice...also, now the expectation that she has from you is something that is uncomfortable to you.
Did she ever get this message from you that if she divorced her husband, that you will also divorce your wife and join her?
More than love, this has become neediness with demands...

Bottom line: Make a decision, stick by it and also help either of them tide over this! You owe them both that!

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

..Read more

Kanchan

Kanchan Rai  |644 Answers  |Ask -

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

Asked by Anonymous - Jun 11, 2024Hindi
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Relationship
Hi madam, I am 58 yrs old and married since 30+ yrs. Have 2 daughters. Elder one is married in 2021 and happy with her life, younger one is working in MNC. Since my marriage i didn't came to know what the relationship to be there between husband and wife as my wife is very reluctant and she loves only money. since my marriage she always fight with me for silly issues and in childhood of my children's she often beat them with whatever she got in hand. always she said that her husband and children's are useless and always give very good reasons and remarks to others in society or family. Now many times i thought of getting away from her either by doing suicide or run away from my home or divorce her. but i just wanted to leave her alone so that she can think of our presence when we are not available to her. my younger daughter is finally decided to leave the home and be alone in another rented flat or on PG due to her mother behavior. please advice if i opt for divorce and run away from home. i can't speak to any one regarding my situation and need immediate help.
Ans: It's clear that you've endured a lot over the years, and it's understandable that you're feeling overwhelmed and considering drastic measures like divorce or leaving home. Let's explore your situation with a compassionate and practical perspective.

Firstly, it's important to acknowledge your feelings. You've been dealing with a challenging relationship for a long time, and it's natural to feel the weight of it all. Your desire to escape the pain, whether through divorce or even more extreme thoughts, signals just how tough things have been. Remember, these feelings are valid, but it's crucial to find a way forward that prioritizes your well-being and safety.

Considering a divorce is a significant step, especially after being married for over 30 years. It could potentially lead to a new beginning where you and your wife might find individual peace and happiness. Before making this decision, it might be helpful to reflect on a few things:

Sometimes, the prospect of a new start can bring clarity. Have you thought about what life might look like without your current relationship's stress and conflict? Envisioning this can help you understand your true desires.

Your daughters' well-being is a significant concern. Your younger daughter's decision to move out reflects how the family dynamics are affecting her. Would a change, like a separation or divorce, potentially bring more stability and peace for everyone involved?

If it's possible, consider having a heart-to-heart conversation with your wife. Sharing your feelings and how her actions have impacted you and your family might open a door to understanding or change. It’s a difficult conversation but can sometimes lead to unexpected resolutions.

Consulting a therapist or counselor can be invaluable. They can provide you with a safe space to express your feelings and offer guidance on managing your situation. A professional can also help you and your wife if there's any possibility of working through your issues together.

If divorce seems like the best option, seeking legal advice is crucial. Understanding your rights and the practical aspects of separation can help you make an informed decision.

Remember, you don’t have to go through this alone. Lean on trusted friends, family, or support groups for emotional backing. Your happiness and mental health are incredibly important, and finding a path that leads you to peace is worth the effort. Whatever you decide, take small, thoughtful steps towards creating a better situation for yourself and your family.

..Read more

Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

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Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

Asked by Anonymous - Nov 11, 2025Hindi
Relationship
Dear madam I have this suitaution in my life. Plz do guide me with this. So i have 2 married sisters and a brother with who i dont get along well. We used to be close back then. Later on my father passed away and then i got busy searching work. After getting work i got carried away with my newly found friendship with a boy i started spending much on him rather then my family. But still then i never neglected my family every kind of help i tried to give them. In the meanwhile i used to take care of my bedridden grandmother who used to stay in another state. Then my second sister started feeding everyone's mind against me saying i dont help them with money and i spend most on my grandmother and cousin. Though my sister were earning well still they waited me to spend on them which i stopped by then as they were earning. And there used to be a real good fight with my sisters and me regarding money issue and als my marriage thing and i gave them bitter words and also curses which i regret to this day thinking how could i do hated thing to my family .In next few years my sister got married but my second sister never invited me for her marriage and did all her wedding plans in my absence and i als never attended her wedding. I attended my 3rd sister wedding. After that my second sister plotted a plan against me by taking everyone on her side and kept me out of all the family functions. I just ignored them and decided to never to get bothered by any of this. Now the problem my 3rd sister is pregnant and they have planned a babyshower and like they are just telling me to attend it. To be honest they just told me a day before the function. How to handle this. Should i attend? And how to deal with such kind of people they seem to take advantage of my helpless. Please guide me on how to become a strong girl while taking desicion.
Ans: Dear Anonymous,
Learn the skill of staying away from all this drama. If you felt secure with who you are, you wouldn't think much whether you got invited or not. Do remember, people will be on your side sometimes and not on your side at other times. This goes for friends are family; so learn to be comfortable with that...
What you did for your grandmother is a choice that you made; why expect anything in return?
Life lived with least expectations is certainly a happier life...counting what people did or didn't do will take away your peace!
Real strength is not in fighting it out but knowing when to walk away from constant drama.

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

...Read more

Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

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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