Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 21, 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 - Mar 20, 2024Hindi
Listen
Relationship

Madam, Thanks for your advice recently. I am considering the idea of setting up a meeting of my 2 sons with my ex-wife, so that they get a chance to ask their questions and relieve the burden on their mind. But it can also end up with negative effects since memories carry with them their attached emotions too. Kindly provide your advice, considering the emotional state of my sons which I have mentioned in the previous query. Besides, it remains to be seen whether my ex-wife will agree to come for the meeting and will actually come in reality

Ans: Dear Anonymous,
I hope you are the same person who has asked this question:
https://gurus.rediff.com/question/qdtl/relationship/two-sons-aged-22-yrs-working-computer-hardware-support-executive/5150138

Well, a meeting between your sons and their mother might be a good idea but I would still suggest you do that by first talking/meeting her. If she is still in a place of blame-game, then perhaps the time is not right for the meeting. So, speak withe her first and assess if the meeting between her and the sons is a good idea.
If YES, be a facilitator of that meeting wherein you set the expectations of no expectations between them. This approach will allow them to be objective wherein they talk as adults and emotions will be heard but not acted upon. Emotions maybe raw still and the meeting may take a turn for the worse...so be prepared.
Also, if you still are filled with emotions that might get in the way of the meeting, then please ask someone else from the family to facilitate/mediate. Emotions must be used to build and not destroy; so your initial job will be to find out where everyone's heart and mind lie...tough one I agree, but I am sure with an objective mind, you will be able to do this!

All the best!
Asked on - Mar 23, 2024 | Answered on Mar 25, 2024
Listen
Yes madam , its me. I agree with and value your advice thanks abhijit
Ans: Thank you for your kind words :)

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 27, 2022

Relationship
Hi Anu,Hope you are in fine health!This will take 4 minutes to read but I plead to you for help.I am a man of 40 years, an engineer working with a reputed MNC as a manager. My wife, 37 is also an engineer working with a global service firm as process lead.We have a son nearing 8 years. We got married in 2012 - an arranged marriage and welcomed our son in early 2014. Things were fine largely in the initial phase. She quit her job in 2013 (a collective decision) to be in London with me for 2 years till 2015. My mother passed away in 2014 so I suggested that we return to Mumbai for good as my dad was alone. She agreed (at least I think so). Upon return I feel her father intervened too much in our family life (coming to our house unwarranted to help my wife, when my father was at my sister's place after bypass surgery). For little things, my wife depended on them although I was always around. In some ways I always thought she wanted me to be like her father. A couple of showdowns and family discussions later, she walked out in 2016 with our 2 year-old son. It was a well orchestrated event with her father, sister, far-flung cousin picking her up with 8-9 bundles of belongings, including our marriage certificate and son's birth certificates (Indian and London). I viewed it as a betrayal but kept mum. I went to her place 4 times in the following month to meet my son but her mother threatened me with 498A in the last meeting. I feel they had ulterior motives to this entire episode -- I am an IT engineer so they knew I had money. My wife was unhappy that my dad's flat in a posh locality in Mumbai where we stayed would be split between me and my sister. She had said I and only I should be the inheritor.She put a condition that I can meet my son only at her father's residence, so I was denied access to my son. After a depressing wait of 2 years, I filed custody petition. I secured regular visitation rights to my son. He warmed up to me and I took him to Goa, Kerala, Mysore on separate visits. My belief was 'whatever happens to our relationship, my son should not feel the absence of his father ever' Thinking my wife would have warmed up, I filed restitution 1.5 years later. She fought both petitions tooth and nail, denying me even 30 mins extra visitation. I was supposed to pick my son and drop him from underneath her flat. Humiliation ensued but I stuck to being a good dutiful father which was appreciated and rewarded by the family court counsellor. I was paying his school fees and also nurtured him for 5 months in 2020 at my place when my wife and her family contracted COVID (which she claimed in court as unlawful detention of 'my' son). May be, sensing she is losing ground, all of a sudden she agreed to a mutual divorce in April 2021 with custody shared for 15-15 days every month. A day before the final signing of papers, she asked to meet and said, 'Can't we make this work for our son ? I am ready to come back' I was getting what I always wanted so I relented. Court gave us a trial period of 3 months which went fine. We were physical 5-6 days a week. I suggested a second kid but she used to evade the question by saying 1 kid is enough. She was gelling well with my family but I maintained a distance from her parents as I did not want a repeat. I did not step into her house which she resented. After 3 months, I told her I need 3 more months and she was shocked but went with it. The best thing that was happening was that our son was opening up and was much less anxious. After another 3 months, we were ready to continue as husband and wife and were ready to sign in court in Dec 2021 but got a date in Jan 2022 as judge was absent.NOW, on 29th Dec we got to know that we are expecting. She cried saying she does not want the baby while I feel we should go ahead. The gynaec said at 37 years, it was not too late given that we conceived naturally and she does not have any chronic issues (her reports showed possible onset of diabetes, low haemoglobin levels which doctor said can be treated). We fought again as she said she still wants to tour the world, has her hands full with the first kid and is not mentally and emotionally prepared. My father and I spoke to her. I called upon her father who sided with her. Finally on 5th Jan she conveyed that she was firm on abortion. I said I am not part of this decision as I still feel we can afford the baby and it will strengthen our bond. We have access to the best of doctors who can ensure a good pregnancy. But she was firm so I asked her to 'Do whatever you want. I will not participate'. I asked her to go and stay with her parents until her bleeding stops and come back to my son and me. But I warned her that this act could have consequences, however much we try not to.WHY? Because I feel cheated. Voiceless. Helpless. Powerless. Hurt. Aggrieved. Sad. Guilty. She took the decision independently and was completely detached emotionally from the 6-week baby so as to abort.I am scared to say 'We will continue as husband and wife' in our end-of-trial-period hearing next week. What if she continues to be as stubborn and backstab me each time. I could go into depression. I am seeing a pattern in her behaviour.She hasn't changed -- may be the first 6 months were a farce. She is cold-hearted, manipulative and stubborn. She leaves me when she wants, denies me access to my son in an arm-twisting tactic, makes amends when it suits her and aborts at will. I fear I am setting myself up for bigger betrayals ( last month, she and her parents showed me flats costing ~4 crores because she wants to own one.I bought one for 1.5 crore in 2019 where we are residing right now, in my and my father's name. I have begged that I won't be able to help her financially as I already have a loan; I have two housemaids in the house for food-utensils-mopping and they too complain that she does not get involved in any housework --- like even instructing them what to do. I have brought up sharing-of-expenses 2-3 times but stopped asking after seeing it was not heart-felt from her side) I am feeling like a doormat who is clinging to this relationship too tightly, at my own peril.Can you assist me with questions whose answers will guide me in taking a decision on marriage v/s divorce ? RegardsUnknown
Ans:

Dear Unknown,

<>I do empathise with whatever you have shared with me. As long as you are willing to offer your emotions to be played with, you will be ping-ponging from one end to the other.

I understand that you wanted to give your marriage a fair chance; and things started to get better in the three months.

But I do fail to understand why you wanted her to go through the pregnancy especially after health challenges that she might have faced. And to keep her away especially when she needs to be with you and the child, is not something that is going to work in anyone’s favour.

Firstly, figure out this: What are you punishing her for? Are you angry with her for walking out on you in 2016 and the treatment meted out to you then and is this anger now mounting on her not wanting the pregnancy?

They are two separate events and need to be looked at separately. To displace anger from one event and map it onto the other, doesn’t show emotional maturity; it will only make matters worse for you.

Things were getting back to normal; and do respect a woman’s choice of having the baby or not…after all, she has to carry the baby within her for 9 months and when it is telling on her health, why shouldn’t you support her as her husband?

You felt cheated the first time; this time it was a decision that needed none of the past feelings coming into it.

If you do want to continue the marriage, it will be a wise decision to live under the same roof, clear all the past unresolved issues and find a way to move ahead. And also, think of the implications this is having on your son who has already experienced so much.

Do the right thing; for you, for her and for the child.

All the best!

(more)
Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

Asked by Anonymous - May 20, 2023Hindi
Listen
Relationship
I'm 66 yrs old retired having two sons, both married according to their choice. My wife 60 going to retire in a couple of months. My elder son who is a Bank executive married since 10 years and issueless. The younger son working as an executive in KPMG married since 4 years and having a child. Due some misunderstanding with the their wives the sons are at times not in talking terms with us. My sons are also not in talking terms with each other. In the recent days the elder son directly instigated not to keep contact with the younger one because he did not like our closeness with him. We are put into dilemma and unable to convince both the children to reconcile the situation. Please advise.
Ans: I'm sorry to hear about the strained relationships between your sons and their wives, as well as the tension between your sons themselves. Here are some suggestions that may help:

Open and honest communication: Encourage open and honest communication between all family members. Try to create a safe and non-judgmental environment where everyone can express their thoughts, concerns, and feelings. Act as a mediator, actively listening to each party and facilitating productive discussions.

Family counseling: Consider seeking the help of a family counselor or therapist who specializes in resolving family conflicts. A professional can provide guidance and help navigate the complexities of the situation, facilitating healthier communication and promoting understanding among family members.

Individual conversations: Have one-on-one conversations with each of your sons to understand their perspectives and concerns. Encourage them to share their feelings openly and without interruption. This can help you gain insight into their individual experiences and provide a foundation for finding common ground.

Encourage empathy and understanding: Emphasize the importance of empathy and understanding in resolving conflicts. Help your sons and their spouses see things from each other's perspectives, fostering compassion and promoting reconciliation.

Promote shared experiences: Find opportunities for your sons and their families to spend time together in a neutral and relaxed environment. Encourage activities that promote bonding, such as family outings, celebrations, or vacations. Creating positive shared experiences can help rebuild connections and mend relationships.

Set boundaries: While it's important to encourage reconciliation, it's equally important to set and maintain healthy boundaries. Ensure that everyone understands the need for respect and mutual consideration, both within the family and between the spouses. Reinforce the importance of maintaining healthy relationships while respecting individual autonomy.

Lead by example: Show your sons and their spouses that you value and prioritize healthy relationships. Demonstrate positive communication, respect, and understanding in your own interactions with them and with your wife. Lead by example and encourage them to do the same.

Remember, resolving family conflicts takes time, effort, and understanding from all parties involved. It may be helpful to seek professional guidance from a family therapist who can provide tailored advice based on a deeper understanding of your family dynamics.
(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2023

Asked by Anonymous - Aug 20, 2023Hindi
Listen
Relationship
I am a 52-Year-old man, relatively happily married with a son & daughter. I was having a relatively smooth life till a few days back when a sudden incident happened in my Life. Like a lot of people, I also have a past where in in the Prime Of my youth I had a very passionate love affair which resulted in a brief marriage some 25 Years back with someone whom I had grown up with. But due to certain differences with her Family it resulted in a very bad break up with a brief tussle in the court. The Incident had shaken me a great deal & with time I managed to shrug it off & move Forward. I had done relatively well in my life till now when suddenly I was taken aback when me ex called me up. We had a brief Interaction over phone & this is now persisting. Although the affair was long gone but somehow It was there in the back of my mind, I had an inclination someday she Might come back which has exactly happened. I am feeling guilty to my Spouse as she has stood with me thick & Thin but However, I tried hard I end up speaking with my ex every day. As far as I can gather is my ex is not happy with her Husband although she has exactly not spoken about her intention of such sudden turnaround. I am aghast at myself that I could Not put an end to the conversation & in fact I feel very happy speaking to her remembering my old days. Leaving my ex unilaterally is not an option as I have tried Many times but failed. please advise.
Ans: Dear Anonymous,
Are you fine choosing to ruffle things in your marriage?
Because that's exactly what you might be leading into!

Love stories from the past belong there unless your current situation allows you freedom to invite it back. It surely has caused ripples in your heart which has possibly stirred you of the usual routine married life.

Will your spouse accept the situation as is?
How will you handle the complications that might arise?
What are the expectations of you from the lady from the past?
How will this impact the children?

For some reason, things had not worked in the past...it ended in a divorce. Maybe there's a lot of unspoken things. Then talk about it with her.
Remind yourself and her that you are in r=current relationships. Even if she does not share a great relationship with her husband, you are not obliged it responsible to be her knight in shining armour. You have a life and so does she...you owe a lot to the current relationships and the people in it.
Anything beyond this is a CHOICE that you will make and a lot of people will be hurt by it. Draw boundaries before you get drawn into it further!

If you really want to be in touch with her, ask yourself: Am I mature enough to handle a connection that has boundaries? Can we maintain a connection that is more based on friendship and support?

Only you know the answers to all the questions above and you will draw conclusions based on that. from what I know of people, no one likes ruffling feathers and no one wants a complications unless they specifically CHOOSE it!

All the best!
(more)
Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Asked by Anonymous - Nov 04, 2023Hindi
Listen
Relationship
I got married in the year 2013 and it was an arranged marriage planned by my parents. I have only one sister who got married in the year 2012. My wife has some issues with my mother and my sister few months after I got married. The primary issue was that my mother and my sister do back biting about her on mobile phone. Although I always denied it and asked my wife to don't focus too much on it. However, last year my wife got call recordings from my mother's phone where my sister was talking meanly about my wife which even I did not like it. I called my wife and brother in law to my place to resolve the differences and it resulted in a better relationship. We recently moved to our newly built house and on the day of the function, my wife saw from a distance my mother and my sister talking to each other in a low tone. She thought they were again talking about her and she got angry. However, my mother denied it and said they were talking about some other issues. My sister came to our place few days after the function and my wife did not talk properly with her. That made my mother angry and she in turn did not talk well with my mother in law who came to our house just recently. Now my wife and mother don't talk to each other and the vibes are quite bad when I enter the house. What can I do to make these complex relations work better?
Ans: What you could have done when you got married was move into your own home. Instead, when you got the chance to move to a new residence, you opted to live with your parents yet again! This ridiculous patriarchal mentality of a woman having to adjust to her husband’s whole family is the cause of most marital strife! You want things to improve, put some distance between them and move out! Ever heard that absence makes the heart grow fonder?
(more)
Latest Questions
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Listen
Money
Namaste Kirtan Sir, I have Started SIP 2014 with one fund, but started really focusing on from last 2 years with multiple fund and also increased the top-up on few fund. New SIP Fund Details 1. Aditya Birla Sun Life Gold Fund - Gr : 2500 from Jan-2024 2. Kotak Business Cycle Fund - Gr : 2000 from Oct-2022 3. NJ ELSS Tax Saver Scheme - Gr : 3000 from Aug-2023 4. SBI Blue Chip Fund - Gr : 2500 from Jan-2024 Existing SIP Fund & TOP up 5. Baroda BNP Paribas India Consumption Fund - Gr : 1500 from Sept-2022 & Top Up from Jan-2024 6. Nippon India Flexi Cap Fund - Gr : 1500 Started from Sept-2022 & Top Up from Jan-2024 7. Tata Equity P/E Fund Gr : 2000 from July-2014 & Top Up from Jan-2024 Total of 20k SIP Can you just review my portfolio and guide us wither investment is on right fund. Thank you in advance Rohith Adiga
Ans: Rohith,

It's commendable to see your dedication towards building a diversified investment portfolio through SIPs. Reviewing your portfolio is crucial to ensure it remains aligned with your financial goals and risk tolerance.

Firstly, let me appreciate your proactive approach in diversifying your investments across multiple funds. This spreads risk and enhances potential returns. However, it's essential to periodically evaluate the performance of each fund and make adjustments as necessary.

Consider factors like fund performance, consistency, fund manager's track record, and investment objectives. Additionally, assess whether your portfolio reflects your risk appetite and investment horizon.

Remember, investing is a journey, not a destination. Stay informed, stay patient, and stay committed to your financial goals. Regularly review and rebalance your portfolio to adapt to changing market conditions and personal circumstances.

As a Certified Financial Planner, my role is to guide you on this journey, providing insights and recommendations tailored to your unique situation. Feel free to reach out for further assistance or clarification.

Wishing you success in your investment journey!
(more)
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 13, 2024Hindi
Listen
Money
Hello Sir, I am 46 Y old . Recently i lost my job and serching for Job . I have 3 Flats , 80 L , 80L, 1.5 Cr . I have loan of 2 nd flat 6 L and Vila Loan 1,18 Cr . I have savings 15 L Mutual Fund, 9 L FD. 10L Govenment bonds, 17.5 L PPF(Eife). 7.5 L PPF(Myself), 2.5L gold bond, 2.5 L shares. EPF 72 L . I require 40 L for my daugter education in 4 year Span starting from 2024-2028. I require 40 L for my son education 2028-2032. If i sell my two flats and do loan free the Vila , I left with 40 L . I see visiblity of 30 L for my son and daughter education and left with 1.2Cr as saving . For house hold my wife earn 52 K which is ok for us monthy usage. Please help me a programe so that i can full fill my retirement objection ( 50K) per month . I may get job or not but want to secure the future of children as wella s my retietment . Please suggest .
Ans: I understand your situation and your desire to secure your children's education and your retirement. Let's outline a plan to achieve your objectives:

Education Fund for Children:
You have visibility of 30 lakhs for your children's education, which is a good start. To bridge the gap, consider allocating a portion of your remaining savings towards an education fund. You can invest in diversified mutual funds or fixed income instruments based on your risk tolerance and investment horizon.
Additionally, explore scholarship opportunities and educational loans to reduce the financial burden.
Debt Management:
Selling two flats to become loan-free on the villa is a prudent move to reduce debt burden. It will also free up cash flow for other financial goals.
Consider refinancing or restructuring the villa loan to reduce interest payments and accelerate debt repayment.
Retirement Planning:
With 1.2 crores in savings, you can create a retirement corpus through systematic investments in a combination of equity and debt instruments.
Allocate a portion of your savings towards diversified equity mutual funds for long-term growth potential. Aim for a balanced portfolio to manage risk effectively.
Consider investing in debt instruments like PPF, government bonds, and fixed deposits for stability and regular income during retirement.
Maximize contributions to EPF or consider opening a Voluntary Provident Fund (VPF) account to enhance retirement savings.
Emergency Fund:
Maintain an adequate emergency fund equivalent to 6-12 months of living expenses to handle unforeseen circumstances without dipping into long-term investments.
Review and Adjust:
Regularly review your financial plan and make adjustments based on changes in income, expenses, and market conditions.
Stay disciplined with your savings and investment strategy to achieve your financial goals effectively.
It's important to remain optimistic about your job search while simultaneously focusing on securing your family's future. Consider seeking guidance from a certified financial planner to tailor a comprehensive financial plan aligned with your specific circumstances and objectives. With careful planning and disciplined execution, you can work towards a secure and prosperous future for yourself and your family.
(more)
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Listen
Money
Hello sir, i am 32 years old and just started a SIP investment of 7K per month for the following funds for wealth creation for next 10 - 15 years. Core portfolio (60%) 1. Parag Parikh flexicap fund - 1.5K 2. JM Flexicap - 2K 3. Navi Nifty 50 - 0.5K Satellite portfolio (40%) 1. Kotak Emerging Equity Fund - 0.8K 2. JM Midcap fund - 1K 3. Tata smallcap fund - 0.7K 4. Edelweiss midcap 150 momentum 50 - 0.5K Could please review and advise me whether the above funds is to be considered good. Please provide some suggestions if changes required.
Ans: Your SIP portfolio seems well-diversified across various categories of equity funds, which is a good approach for long-term wealth creation. Let's review each fund and provide some suggestions:

Core Portfolio (60%):

Parag Parikh Flexicap Fund: This fund follows a flexible investment approach across large, mid, and small-cap stocks. It's known for its quality stock selection and has delivered consistent returns over the years.
JM Flexicap Fund: Another flexi-cap fund, providing exposure to companies across market capitalizations. Ensure you review its performance and consistency compared to peers.
Navi Nifty 50: Investing in an index fund like Navi Nifty 50 provides exposure to India's top 50 companies. It's a low-cost option with a focus on large-cap stocks.
Satellite Portfolio (40%):

Kotak Emerging Equity Fund: This fund focuses on emerging companies with high growth potential. Review its performance and ensure it aligns with your risk appetite.
JM Midcap Fund: Mid-cap funds like JM Midcap can offer higher growth potential but come with higher volatility. Monitor its performance and risk closely.
Tata Smallcap Fund: Investing in small-cap funds can provide exposure to high-growth companies. Ensure you're comfortable with the risk associated with small-cap investing.
Edelweiss Midcap 150 Momentum 50: This fund follows a momentum-based investment strategy, focusing on mid-cap stocks showing positive price momentum. Understand its investment approach and risk profile.
Suggestions:

Monitor Performance: Regularly review the performance of your funds and ensure they're meeting your expectations. Consider replacing underperforming funds with better alternatives.
Risk Management: Given the higher allocation to mid-cap and small-cap funds in your portfolio, be prepared for higher volatility. Ensure your risk tolerance aligns with the risk profile of these funds.
Review Fund Selection: Consider diversifying across fund houses to reduce concentration risk. Also, consider adding an international equity fund or a debt fund for further diversification.
Long-Term Perspective: Stay focused on your long-term investment horizon and avoid making knee-jerk reactions based on short-term market movements.
Overall, your SIP portfolio appears well-structured for wealth creation over the next 10-15 years. However, regularly monitoring and reviewing your portfolio's performance is essential to ensure it remains aligned with your financial goals and risk tolerance. Consider consulting with a financial advisor for personalized guidance based on your individual circumstances.
(more)
Sushil

Sushil Sukhwani  |323 Answers  |Ask -

Study Abroad Expert - Answered on Apr 27, 2024

Asked by Anonymous - Apr 27, 2024Hindi
Listen
Career
Good morning sir, my daughter is in btech. ECE final semister, can I send for ms in abroad, or any job related courses in India, my daughter also not much intrested to go abroad. Kindly suggest better way.
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that your daughter is pursuing the final semester of her Bachelor of Technology in Electronics and Communication Engineering. To answer your question first, I would like to tell you that we only deal with overseas education. Yes, you can definitely send your daughter abroad to pursue her Master's. I would like to tell you that owing to their renowned universities, top-notch education, and vast array of opportunities, a number of countries are well-known for pursuing Master of Science (MS) degrees abroad. With its vast array of top-tier universities and research centres, the USA continues to be a sought-after destination for pursuing MS programs spanning different disciplines. Likewise, a number of international students are also drawn to countries viz., the UK, Canada, Germany, Australia, and Switzerland owing to their cutting-edge academic programs, culturally diverse settings, and significant focus on innovation and research. You would be glad to know that MS students are offered distinct advantages and opportunities in these countries, in turn, making them highly popular destinations for individuals looking for further education overseas.

As mentioned by you, if your daughter is not interested in pursuing a Master's abroad, I would suggest that she looks into other possibilities that best resonate with her interests and professional objectives. Post finishing her Bachelor of Technology (B.Tech) degree, she could think about acquiring professional experience via internships or entry-level work in her field of interest. Gaining this practical experience can prove beneficial for her career growth and may help her determine her professional path. In order to improve her abilities and credentials without committing to a full-time Master's program overseas, she could also look into advanced certifications or specialized courses. Lastly, I would suggest that you motivate your daughter to investigate these possibilities and assist her in discovering her true calling, which in turn, could result in a gratifying and prosperous professional path.

For more information, you can visit our website.
(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2024

Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2024

Asked by Anonymous - Apr 26, 2024Hindi
Listen
Relationship
? rediff.com Rediff Gurus Logo Hi Anwesha | Sign Out HealthHealth MoneyMoney RelationshipRelationship CareesCareer Ask your questions about health, money, relationship or careers here Ask Anonymously You posted: My boyfriend's ex happens to be his sister-in law's sister (first cousin). That was his first serious relationship and she had dumped him. It has been quite a few years since, but it bothers me that he is indirectly still related to her. My boyfriend's sister-in-law has a daughter (his niece) whom he loves very much. But whenever he talks to his sister in law or plays with the kid, it makes me uncomfortable. I am broadly uncomfortable with the fact that he is the uncle to the same kid his ex is aunt to. Which means they are somewhat familialy related. I have seen his ex post videos of the kid playing around in his house, which means she still gets regular updates about his household through her sister (his sister-in-law). I really don't want to get into something this complicated, but I love my boyfriend very much. He also loves the kid a lot which makes me hate myself for projecting my hate on the kid/sister-in law because they're not at fault. But it really bothers me whenever I hear the kid's voice or his sister in law's because that reminds me of his ex. I feel extremely insecure and uncomfortable and I don't know how to deal with this, but I really want things to work out between my boyfriend and me. What is the solution?
Ans: Dear Anonymous,
Well, this feeling ain't going away that soon as you are bordering on obsession possibly without reason.
Jealousy leading to insecurities and constantly monitoring him is only going to make it worse on you...so either you trust him or you don't...which is it going to be?
Has he given you any reason to doubt him OR is it only your fear and hate fueling it? If it's the ex coming along and bringing with it all the fears inside of you, then work at it before you make this really ugly and now it's in your hands.
Jealousy is a normal human emotion BUT how you deal with it is a choice you are going to have to make. So, start to reassure yourself by saying that it's all okay and good. Challenge your thoughts every time they crop up so that it doesn't grow large enough for you to start projecting. Talk to your boyfriend requesting him to be more patient with you if at all you snap at him for anything. But not for long as he will run out of patience.
If there is nothing going on between him and his ex, why is it taking you so much to trust him? More than a love, a relationship needs trust and understanding. Pour these into it and not only will you feel better, your boyfriend will also be more supportive of what you are going through. Trust or not; it's your choice!

All the best!
(more)
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Listen
Money
Hi Kirtan, I am 45 now. I am looking for a pension plan. I can invest upto Rs 5000 per month. Should I go in NPS or LIC? What are pro and cons for both?
Ans: Considering your age and investment amount, NPS (National Pension System) could be a preferable option over LIC for a pension plan. Here's a breakdown of the pros and cons of each:

NPS (National Pension System):
Pros:

Flexibility: NPS offers flexibility in choosing investment options, including equity, corporate bonds, and government securities, allowing you to tailor your portfolio based on your risk tolerance and investment goals.
Tax Benefits: Contributions to NPS are eligible for tax deductions under Section 80C, with an additional deduction of up to Rs. 50,000 under Section 80CCD(1B). Additionally, partial and lump-sum withdrawals are tax-exempt up to certain limits.
Low Cost: NPS has a relatively low-cost structure compared to traditional pension plans, with competitive fund management charges.
Cons:

Lock-in Period: NPS has a lock-in period until retirement age, with limited withdrawal options before that. Early withdrawals are subject to restrictions and penalties.
Market Risk: Since NPS invests in market-linked instruments, such as equities, there's a level of market risk involved. Returns may fluctuate based on market performance.
Limited Annuity Options: The annuity options under NPS may be limited compared to traditional pension plans offered by insurance companies like LIC.
LIC (Life Insurance Corporation):
Pros:

Guaranteed Returns: LIC pension plans typically offer guaranteed returns, providing a sense of security and predictability in retirement income.
Death Benefit: Some LIC pension plans come with a death benefit, ensuring that your nominee receives a lump sum or annuity in case of your demise.
Wide Range of Annuity Options: LIC offers a wide range of annuity options, allowing you to choose a plan that best suits your retirement needs and preferences.
Cons:

Lower Flexibility: LIC pension plans may offer limited flexibility compared to NPS in terms of investment options and withdrawal flexibility.
Higher Costs: Traditional pension plans from LIC may have higher costs compared to NPS, including administration charges and agent commissions.
Limited Tax Benefits: While premiums paid towards LIC pension plans are eligible for tax deduction under Section 80C, the overall tax benefits may be limited compared to NPS.
In conclusion, NPS tends to offer more advantages over LIC for a pension plan, given its flexibility, tax benefits, and lower costs. However, considering the potential advantages of mutual funds over NPS in terms of flexibility and potentially higher returns, you may also explore mutual fund options for your retirement planning
(more)
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Listen
Money
I am 63 years old.Yearly pension 6.50 lacs Annual interest from bank deposits 5.50 lacs ( Bank deposits Rs.60 lacs). Monthly pension is sufficient to meet expenses since my children are settled.How to redeploy the bank deposit to maximize income
Ans: Given your stable pension income and surplus from bank deposits, optimizing your investments for higher income while maintaining liquidity and minimizing risk is crucial. Here's a strategy tailored to your needs:

Fixed Income Investments: Consider allocating a portion of your bank deposits to fixed income instruments such as Senior Citizen Savings Scheme (SCSS), Post Office Monthly Income Scheme (POMIS), or Tax-free Bonds. These instruments offer regular income with relatively lower risk compared to equities.
Debt Mutual Funds: Invest a portion of your bank deposits in debt mutual funds with a focus on short to medium-term duration funds or monthly income plans (MIPs). These funds offer the potential for higher returns compared to traditional fixed deposits while maintaining liquidity and capital preservation.
Dividend-Paying Stocks: Explore investing a small portion of your surplus in dividend-paying stocks of stable companies. Focus on sectors with a history of consistent dividend payouts, such as utilities, consumer goods, or pharmaceuticals. Dividend income can supplement your pension and bank interest income.
Systematic Withdrawal Plan (SWP): Consider setting up a systematic withdrawal plan (SWP) in debt mutual funds or balanced funds to generate regular income while preserving capital. SWPs allow you to withdraw a fixed amount periodically, providing a steady stream of income similar to an annuity.
Emergency Fund: Ensure you maintain an adequate emergency fund equivalent to 6-12 months' worth of living expenses in a liquid and easily accessible account. This fund will provide a financial cushion in case of unforeseen expenses or emergencies.
Tax Considerations: Evaluate the tax implications of your investment choices, especially considering your current income sources and tax bracket. Optimize your investments to minimize tax liability while maximizing post-tax returns.
Consultation: Seek guidance from a Certified Financial Planner or investment advisor who can assess your specific financial situation, risk tolerance, and investment goals. They can help design a customized investment strategy tailored to your needs and objectives.
By diversifying your investments across fixed income instruments, mutual funds, dividend-paying stocks, and maintaining an emergency fund, you can maximize income while ensuring capital preservation and financial security in your retirement years.
(more)
Ramalingam

Ramalingam Kalirajan  |909 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Listen
Money
Hi. I am currently living in India and have received a job offer from Dubai. As I plan to shift, I needed to understand some nuances about managing my SIPs, Equity Holdings and EMIs in India. I have following: 1. 80K SIP in 2 DSP Funds and 2 Quant Funds 2. 70K EMI for a home loan 3. About 1Cr equity holding in a demat account Once I move, I will let my flat out on rent. Wanted to understand following: 1. For rent collection, EMI, SIP etc what account is advisable? NRE or NRO? For EMIs, SIPs etc I will have to transfer money from overseas account to Indian account 2. For SIPs - I will have to change my existing account to an NRE/NRO account as well? 3. Demat holdings - is there a separate category of demat accounts for NRIs?
Ans: Moving to Dubai while maintaining financial commitments in India requires careful planning. Here's a breakdown of considerations for managing your SIPs, EMIs, and equity holdings:

Account Choice: For rent collection, EMI payments, and SIP investments, opening an NRE (Non-Resident External) account is advisable. NRE accounts allow you to repatriate funds freely, making them suitable for managing finances while abroad. However, for domestic transactions, you can also consider an NRO (Non-Resident Ordinary) account, which has restrictions on repatriation but facilitates local transactions.
SIP Management: You'll need to transition your existing bank account linked to SIPs to an NRE/NRO account to facilitate seamless fund transfers from your overseas account. Ensure you inform your mutual fund provider about the change in bank details to avoid any disruptions in your SIPs.
EMI Payments: Similarly, you'll need to link your home loan EMI payments to your NRE/NRO account for smooth transactions. Set up standing instructions or auto-debit mandates to ensure timely EMI payments while you're abroad.
Demat Holdings: As an NRI, you can hold equity investments in India through a designated NRI demat account. You'll need to convert your existing demat account to an NRI demat account to continue managing your equity holdings seamlessly.
Tax Implications: Be mindful of tax implications both in India and Dubai. Consult with a tax advisor to understand your tax obligations in both countries and optimize your tax planning strategies.
Legal Compliance: Ensure compliance with RBI regulations and other legal requirements concerning NRI investments and remittances to avoid any regulatory issues.
Communication: Maintain open communication with your banks, mutual fund providers, and brokerages to update them about your NRI status and ensure smooth transition and management of your financial affairs.
By proactively addressing these considerations and seeking guidance from financial advisors and legal experts, you can effectively manage your financial commitments in India while pursuing opportunities abroad.
(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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x