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Anu

Anu Krishna  |1410 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 15, 2021

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
S Question by S on Jun 15, 2021Hindi
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Relationship

I am in a relationship for 9 years including 4 years of marriage.

Since the day of marriage, I am having regular fights with my wife concerning my mother and sisters.

Of late, I am feeling like I have lost the love between the two of us. We have stopped talking and don’t get a chance to spend some time together.

Whenever we do, we end up arguing about past mistakes and all. We never talk about the future.

During this pandemic second wave, we came to our native place and after spending some good days, she went to her home for some days and now she is not willing to come back.

We recently had a fight over phone and stopped talking. I started calling her and talking to her but she does not seem to be in a mood to talk.

Now I have stopped talking to her.

I am a bit worried as I feel like I am left alone. Despite so many efforts towards her and her family, she finds a reason to get pissed at me every time.

I am not sure anymore what to do. I try to make her understand. We are in the same situation for 4 years.

If I don't, she won't be taking any initiative from her end.

Ans: Dear S, It does seem that you have concluded what’s going to happen before you have tried everything in the treasure chest?

Relationships can have a long life if we are willing to set aside our differences and keep egos at bay. Now read on and think deeper about these questions.

What went on between your wife and mother/sisters? Did you wife end up feeling hurt and lonely? Did she feel that you sided with your mother and sisters more than you did with her?

Constant arguments about things from the past honestly can lead to no good. It is important to know what exactly your wife feels at this very moment, but it seems like she doesn’t want to talk to you.

When you say you have made many efforts towards her and her family, why do you think, she hasn’t come back home or why has she stopped talking to you?

You did mention that she finds a reason to get pissed, but is there something that she expects from you or a certain behaviour that might help her get to an even ground?

Will involving a senior family member to talk to someone senior family member (not your mother) on her side?

With their experiences and their calm minds, they maybe able to break the ice between both sides and get the two of you to talk.

Please find a neutral member on both sides who can arrange for this in a wise manner without bringing in egos or past battles inside.

Communication must be re-established and throwing your hands up in the air may not be very useful if you want your marriage to continue.

Yes, past need not be brought back into the present, but it is necessary to understand what is going on in her mind before concluding anything.

You may like to see similar questions and answers below

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Dec 21, 2021

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Relationship
I am in a relationship since nine years, including four years of marriage. Since the day of marriage, I am having regular fights with my wife concerning my mother and sisters. Of late, I am feeling like I have lost the love between the two of us. We have stopped talking and are not even getting a chance to spend some time together. Whenever we do, we end up arguing about past mistakes and all. We never talk about the future. During the second wave of the pandemic, we came to our native place. After spending some good days, she went to her home for some days and now she is not willing to come back. We recently had a fight over phone and stopped talking. Then I started calling her and talking to her but she does not seem to be in a mood to talk. Now, I have stopped talking to her. I am bit worried as I feel like I am left alone. Despite so many efforts towards her and her family , she finds a reason to get pissed about me. I am not sure anymore what to do. If I try to make her understand, then this is again the same situation happening since four years. If I don’t, then I know she won’t be taking any initiative from her side. Please suggest.
Ans:

You have left out one very important piece of information. Do you and your wife live with your mother and sisters?

I know in-laws are a bone of contention in most households at some point, but it comes to such an extreme only when people are forced to cohabitate with them. And if this is the case, you need to change the living arrangements pronto.

Never mind whether your wife is right or your family is right; if you want to save your marriage and improve relations between your family and your wife, move out. Immediately.

I’d like you to write in again and tell me exactly what’s going on. And this is for both of you -- if you don’t let go of the past and forgive each other’s past mistakes, you’ll never move forward.

The idea is not to repeat them and fall into old patterns of behaviour.

You need to make a promise to each other that, when having a discussion, neither will rake up past fights unless they have an extreme bearing on the current scenario.

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Sep 14, 2022

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Relationship
Hi. First of all would like to stay anonymous. Been married for 9 yrs. 5 yrs after marriage had a kid. We were having issues during this time though it was not very huge (that's what I thought). My mom and she were having issues, which were spilling over to me too. She was from a small town and always comparing how easy life is there as against the metro life (i Always been here and like it). She used to go her town for some reason or other for extended periods of time. But v were in love. Few years after the kid, she started becoming aloof. I suspected something wrong. This time when she went back to her place too rarely used to call me or answer my calls. When she came back, I checked her phone and found her sharing her feelings with her guy friend for him. This upset me and i shared her betrayal with family and friends out of anger. But she tried convincing me that he is just friend etc. After my few weeks of anger, i said let's work on the relationship and let me know what to do. I sent mom over to another house too.  However one day she said she wants to meet her parents and come back. Once she went there, she didn't tell me when she plans to come over. Her parents kept telling that she will come after so and so. After 7 months, she said that she won't come back to my city. She said she wants to separate. I tried hard convincing her that things will change and she should give the relationship a chance. She also avoids going to counsellor. After me visiting her place for few number of times, she seems to now suggest that she will come for sometime to my city and go and i can also visit her for sometime. She is not agreeing to move to the city and stay with me. She has admitted our kid to the school there. She rarely talks on phone to me. Though my kid calls me often. She mentioned that the guy got married and she is not in touch. What do you think i should do? Wait for her to come around or legally separate and move on?( 40 now) I am confused. She says she can't say about the future but currently she doesn't want to stay in my town. Regards
Ans:

You have a child together and it sounds like you both still want the marriage to work. So here's what you should do, at least for now -- compromise.

She absolutely must commit to seeing a marital counsellor with you and, in exchange, she can live in her hometown for the moment and you undertake the commute to see her and your child regularly.

There's no other man in the picture anymore and she's obviously been through a lot; you've been oblivious to her misery living with your mother all those years.

This seems to be a problem with most Indian men today; your wife doesn't need to live with your mother any more than you need to live with hers!

And, as a result, she went and had an emotional, if not physical, affair.

I understand your frustration but making that information public made everything worse. That's probably the main reason why she doesn't want to live there anymore and you need to understand that.

Your marriage needs a lot of work; make the effort, both of you, to save it. 

..Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

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

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Relationship
I've been married for 9 years and I love my wife and 2 beautiful kids infinitely. I have an issue where my voice gets raised when she taunts me, tells lies, keeps stuff hiding or that gets converted into an argument and finally, my wife stops talking with me for days/months (last time she took 2 months to start talking normally which lasted less than a month) I always apologise for my overreaction but still she cries and says I’ve sacrificed everything for you and tell me what have you sacrificed till date and to be honest I’m not a person to count the sacrifices that I do for my family because it’s my family and it’s my love & responsibility towards them. However, I keep trying by apologising and she still shows me attitude and taunts me always trying to make me realise my mistake then again I become furious and I feel like all my efforts of making life normal are going in vain which triggers a lot of pain in me and I mentally & and emotionally suffer. I many times told her that I only live for you & kids. I told her my anger would last for a few minutes but I'll become normal in some time and I also told her that I'll work on my anger & reactions in future. I told her many times that not everyone is perfect if I have 1 negative point, then I also have 1 positive point and vice versa. I now feel like I'm compromising my mental & and emotional health and she kept me also away from my physical needs when I needed the most. I don’t need anything else but support and love in the ups & downs of my life as a normal couple. I just need my wife to understand me as a human who can make mistakes and try to learn from them. I don’t know what to do as I just can’t suffer from her behaviour towards me and sometimes alone or at bedtime, I feel as if she is happy without me and doesn’t want to make our life normal as a family then why don’t I give her peace by letting her go or I end everything.
Ans: It sounds like you're dealing with a lot of emotional turmoil and frustration, and it's important to find constructive ways to address these issues and improve your relationship. Effective communication is key to resolving conflicts and strengthening relationships. It's important to have open and honest conversations with your wife about your feelings, concerns, and the impact of her behavior on your well-being. Encourage her to share her perspective as well, and try to listen empathetically without becoming defensive Consider seeking individual therapy or counseling to explore healthy coping mechanisms, stress management techniques, and strategies for managing anger in a constructive way. Learning to regulate your emotions can help reduce conflicts and improve communication in your relationship Make an effort to prioritize positive interactions and moments of connection in your relationship. Engage in activities that bring you joy and strengthen your bond as a couple and as a family. Celebrate each other's accomplishments, express gratitude, and show appreciation for the small gestures of love and kindness. Ultimately, every relationship requires effort, understanding, and compromise from both partners. It's important to approach these challenges with patience, compassion, and a willingness to work towards positive change. If despite your best efforts, the relationship continues to cause you significant distress and unhappiness, it may be necessary to reevaluate your options and consider what is best for your overall well-being.

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Relationship
Hello sir I am 37 years old male and married since 5 years and we had little girl of 4 years old. I need some advice for my relationship. We had problems in our relationship since the beginning of our engagement, as initially I was unaware of my wife's extra marital affairs when I come to know about it she told why she started to see other boy during engagement period also after our marriage as I wasn't upto her expectations, that was the time of 2019 . We had discussed about all each others expectations and solved the problem I tried to regain the confidence in our relationship but still somewhere we had fights every 5 to 6 months on different issues sometimes it's my parents sometimes it's me I dont give her time sometimes financially , in between she left my house and went to her father's home for 8 months after delivery of our baby girl, she told we are not made for each other I told her and explained all about consequences and convinced her to get her back. After that for again after 6 months we started fight with each other on different issues. But recently we fight and she lost control and slapped me and unfortunately in the vague of my anger I also slapped her and she again left me and went to her father house . It's been 1 month now we don't have contact each other because every time I only asked her for compromises and explain and convincing her to come back. This time I don't know what to do.thanks
Ans: Marriage counselling. Enlist at the earliest and see if you can fix matters, but you have to tackle one issue at a time. The infidelity, the inlaws, the lack of compatibility…there’s too many issues here.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
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Money
Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm
Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 28, 2024Hindi
Money
Hello, Sir. I am a 41-year-old male with a 9-year-old son and a housewife. I need advise on how to undertake financial planning because I want to retire early, perhaps at age 48-50. I am currently outside of India and have 2.5 crore in NRE FDs, roughly 60 lakhs in Mutual Funds, 8 lakhs in share market, and 8 lakhs in PF. I have floater health insurance for 15 lakhs. Some LIC's for roughly 5 lakhs. I have one rented flat that pays 12,000 per month and an ancestor property that pays 20,000. In the next 3-6 months, I plan to buy a one-crore flat and return to India permanently in the following few months.I plan to buy a one-crore flat in the next 3-6 months, return to India permanently in the next 1-2 months, and work for an IT company with an annual income of approximately 25-35 lacs. I know I lost the opportunity to invest some money during/after the covid time; else, I would have had a somewhat better portfolio. I need your advice on how to properly invest my FD's money.
Ans: Planning for early retirement requires careful analysis and structured execution. Your current financial situation reflects a strong foundation. Let’s optimise your resources to achieve your goals.

Assessing Current Financial Standing
Your assets are well-distributed across various instruments:

Rs. 2.5 crore in NRE FDs
Rs. 60 lakhs in Mutual Funds
Rs. 8 lakhs in shares
Rs. 8 lakhs in PF
Floater health insurance for Rs. 15 lakhs
Rs. 12,000 rental income from one flat
Rs. 20,000 rental income from ancestral property
LIC policies worth Rs. 5 lakhs
This portfolio indicates a mix of liquidity, growth, and stability.

Setting Clear Retirement Goals
Define retirement income needs based on desired lifestyle. Early retirement at 48-50 means funding 30-40 years of expenses.

Factor in inflation, medical needs, child’s education, and your family’s future financial security.

Challenges to Address
High allocation to fixed deposits (FDs), which have low returns post-tax.
Underutilisation of mutual funds and equity investments.
Managing new property purchase without compromising retirement corpus.
Optimising Your Investments
Fixed Deposits
Move a significant portion of FD funds to growth-oriented investments.
Retain only a portion for emergencies or short-term needs.
Mutual Funds
Increase allocation to diversified mutual funds.
Focus on a mix of large-cap, mid-cap, and flexi-cap funds for growth.
Use regular plans through a Certified Financial Planner for personalised advice and portfolio tracking.
Share Market Investments
Rs. 8 lakhs in shares needs a review. Assess performance and risks.
Shift underperforming or speculative stocks to diversified equity funds.
Provident Fund
PF provides stability. Let it compound till retirement for assured returns.
LIC Policies
Evaluate LIC policies. Surrender low-yield policies and redirect funds to mutual funds.
Ensure sufficient life insurance coverage through term plans.
Managing Real Estate Investments
Your plan to purchase a flat for Rs. 1 crore is prudent. However:

Avoid using FD funds entirely for this purchase.
Opt for a small loan if needed, keeping EMIs manageable.
Leverage rental income from this property to supplement post-retirement income.
Health and Life Insurance
Your Rs. 15 lakh health insurance is adequate for now.
Increase coverage to Rs. 25-30 lakhs upon returning to India.
Secure a term insurance policy with sufficient coverage to protect your family.
Tax Efficiency
Post-return to India, your NRE FDs will lose tax exemptions.

Redirect funds to tax-efficient instruments like equity mutual funds and debt funds.
Long-term capital gains on equity funds are taxed favourably.
Child’s Education and Family’s Security
Allocate a dedicated corpus for your son’s higher education.
A mix of equity and balanced funds will help achieve this goal.
Emergency Fund
Set aside Rs. 15-20 lakhs as a liquid emergency fund.
Use liquid mutual funds or short-term debt funds for easy access.
Regular Monitoring and Review
Review your portfolio every 6-12 months with a Certified Financial Planner.
Adjust allocations based on market trends, personal goals, and economic changes.
Final Insights
Your financial foundation is solid. With strategic changes, you can retire early with confidence.

Diversify investments, optimise tax efficiency, and plan systematically for your goals. Stay disciplined and avoid speculative ventures.

Your foresight in seeking advice ensures a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |188 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 27, 2024

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Career
Hello! Sir This is Sravani.I am a M.Pharmacy postgraduate and has a work experience of 6 years in Quality control department in pharma industry.At present i am working in the same department. But i want to go for work from home job.so that i can spend time with my kids. Both my kids are in kindergarten. It's becoming tough for me to manage both job & kids as my working hours are too long. Please do suggest me any kind of work from home job which suits my profile. Regards Sravani
Ans: Hi Sravanthi,

It's great to hear that you have six years of experience in Quality Control (QC). As you know, QC roles are generally onsite, unlike IT roles that can often be done remotely. Given your expertise in QC, you have the option to transition to Quality Assurance (QA), Regulatory Affairs (RA), or the Validation team, but we need to assess the feasibility of such a shift. While it is uncommon, it is possible to find roles in RA, such as preparing and submitting documents, pharmacovigilance, or medical scribing. However, since these are not your areas of expertise, if you choose to pursue them, you may be considered a fresher in those fields.

You also mentioned that need to work long hours. Even with work from home (WFH), you will likely face similar challenges; once you log in, you cannot skip the tasks assigned to you. Being at home may hinder your ability to care for your children, creating additional difficulties.

If you are financially stable, you might consider quitting your current job to find other opportunities or to take care of your family. If not, you will need to weigh your options carefully.

My recommendation is to prefer onsite work rather than WFH.

On a lighter note, there are many advantages to onsite work that can actually save you money—such as reduced electricity bills, food expenses, and travel costs. Compared to WFH, where you may incur higher electricity costs due to using AC and your computer, along with food expenses for snacks and meals.

Logically speaking, as a working woman, if your maid were asking for a WFH arrangement, how would you respond?

As an additional suggestion, you might consider applying for government jobs as a Junior or Senior Analyst in your state’s Drug Testing Lab within the Drugs Control Department.

Ultimately, I recommend that you continue in your current field and potentially explore opportunities in a different company or industry that offers a higher salary. Alternatively, you could also consider transitioning to QA, but ideally in an onsite position.

All the best.

...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.

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