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Shalini

Shalini Singh  |37 Answers  |Ask -

Dating Coach - Answered on Apr 04, 2023

Nihar Question by Nihar on Mar 27, 2023
Relationship

W.r.t the relatioship, I am having my own question " why the Wife demanding money most of the time when she is finding that her husband is working in an World classCompany in Abroad? This is true situation where wife is a housewife( Non working). Does money is only find the love , trustworthy, understanding, mutual respect etc in a married life of Man of good working with his non working( houseWife) wife?

Ans: 1. The wife who is not professionally involved is a home-maker and not a housewife. And unfortunately home-makers do not earn a salary - in fact they are on their toes from morning to evening making sure all at home are looked after - and they do this for no income.

2. If your wife is ambitious and expects you to work overseas and that is not you, you need to convey that to her.

All the best

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Anu

Anu Krishna  |574 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 07, 2023

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Hi, Anu krishna I am shekhar from Hyd, My wife always comparing the life with rich people. for that she build the pressure on me any thing . But I am explaining actual situation but she did not understand. Already once i tried for business for 3 years for her satisfaction earn the money. But that 3 years we loosed any thing and once upon time I tried attempted suicided. Then I come back and re-started my professional job. Now again i am in well position but not my wife expected level. Now my wife again and again pressurizing, earn the money. How can I explain to my wife smoothly without disturbing her mind. please help me
Ans: Dear Manny,
You cannot keep yielding to your wife's demands of becoming rich by comparing you to other rich people. No money is enough money and this is something that must understand.
If she isn't happy with your current professional job, no matter what you do, she has decided not to approve of it.
Money is not earned only by doing business but it can come through a job as well. You cannot be under this pressure of earning more money as it will start to affect your mental and physical health.
Kindly speak with her by putting down the problem as you face it or else request someone from her family to speak with her.
Money is not everything but when we compare ourselves to someone who makes more money than us, the mind becomes stressed and almost obsessive that we can make more mistakes. Time for you to speak up your mind and do what you think is right as what you need right now is stability from your losses. Speaking your mind will also help you manage your stress better. Your wife may not understand this now, but someday she will understand why you had to do this and continue with the job for the time being.
All the best!
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Anu Krishna  |574 Answers  |Ask -

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

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

Asked by Anonymous - Aug 02, 2023
Relationship
Hello Mam, I am 45 year old IT professional, I have good salary and owning 3 flats. My wife is also working and she also having descent salary. I am having family of 4, Me, wife, daughter 11 years and son 8 years old. My problem here is, we are having discussion on only future and not living current life. My wife is think more about money and how to get money quickly as possible for further provisions like kids education, retirement etc. Also, She doesnt want to spend on me especilaly, never got any gift from her. We are not having good physical relation. Many times i have discussed with her and went through doctor for consultantion and medication. But, she doesnt want to take medicines.I feel very bad and my life is similar as earlier. Many times feels like she doesnt love me. My life become mechanic and no joy init. I am just living for my Kids betterment.
Ans: Dear Anonymous,
Well no two people in a marriage are the same, are they?
You just have different ideals stemming from different value systems. this can be bridged by actually talking about it, so that either of you might not be on a extreme. If she likes to save, you can moderate her by actually setting a budget for spending on necessities and luxuries.
And she will in turn moderate you, if she finds you spending on things that are unnecessary.
It's about seeing things on the same page but with different glasses and acknowledging that you are both different.
As far as physical intimacy goes, I guess many couples face a slump after children occupying a huge part of their lives and with full-time jobs, it can make one tired more than excited. Set aside time to be alone with one another and practice the art of non-sexual intimacy like holding hands, cuddling, hugging...
Sometimes to jump out of the mechanical life, you need to do something different and exciting to get a different and exciting result. So do what you haven't done before! Get the drift here?

All the best!
(more)
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Sanjeev

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Sanjeev

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 14, 2023
Money
Sir, I just retired from my service @60yrs. I will get my PF+other fund ₹50L. Please advice how to invest the amount so that my principal not disputed and I can get ₹30,000 pm for my monthly expenses. My family of 2 persons are covered ₹50L health insurance. Regards
Ans: Considering your age and your requirement, you will need to invest in a mix of debt and equity instruments. Here are some investment options available to you:-

• Senior Citizens’ Savings Scheme (SCSS) – This is a pure debt instruments and provides guaranteed returns of 8.2% per annum. The interest is paid quarterly. The maximum amount that you can invest is Rs. 30 Lakhs.

• Corporate FDs – It provides you return more than the regular bank FDs. It contains two options i.e. cumulative and non-cumulative.

• Post Office Monthly Income Scheme (POMIS): This is another government-backed scheme that offers guaranteed monthly income. The current interest rate is 7.1%.

• Debt Mutual Funds: As your main concern is to protect the principal amount you may consider debt funds and monthly income can be achieved through the route of SWP (systematic withdrawal plan).

• Equity mutual funds: Equity mutual funds offer the highest potential returns, but they are also the riskiest. A small portion of the amount can be invested in the equity mutual funds for growth of the money in the long-term horizon.

It is good to know that you are adequately insured for any healthcare emergency.

Your requirement of Rs. 30,000 will be changing in the future due to inflation, hence you should consult with your financial advisor for a proper increasing income or SWP (systematic withdrawal plan) which can help you to ensure sufficient amount available for your monthly expenses.
(more)
Sanjeev

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Money
Hi Sir, I worked a small level company between 01.02.2018 to 30.04.2021. They paid standard EPF contribution of Rs. 1800/- from my side they deducting the same of Rs. 1800/-. After I exit the company I applied the EPF Withdrawl (both contribution) on 06.05.2023 and it was rejected by the officer and the reason was mentioned "Claim Rejeced EQUAL SHARE 07/18". The Employer deposit the July 2018 share in wrongly i.e. The deposited Rs. 1800/- in Employee Share and Rs. 1800/- employer Share and Pension is " 0 ". instead of Rs.1800/- as employee, Rs. 550/- as Employer and Rs.1250/- as pension contribution. When I sent a 2 continues mail to EPF they taking my query as a grivience and sent a query to the employer. But Still they not close the issue. How to I approch them to clear my claim. Because there is no mistake from my side. Thanks in Advance. Narayanan
Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.
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