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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 29, 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 - May 25, 2024Hindi
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Relationship

Hi, Me and my wife both are of same age. We had an arranged marriage and are married for 8 years. We have two kids. She has ‘Borderline Personality Disorder’ and its very difficult to live with her. I am giving her meds without her knowledge since 8 years with which its just manageable and going along. But life has become very troubled. All my dreams and goals remain unfilled. Also if somehow one day meds are not given, it becomes like hell. because of this i am almost completely isolated from my parents and siblings. Talking to her is not a solution and getting expert advise from psychiatrist is also impossible as she wont go to psychiatrist or psychologist. She also has less insight. How to come out of this mess?

Ans: Dear Anonymous,
Has she been clinically diagnosed OR is this self-diagnosis based on which you are medicating her everyday...
If what you say is a validated fact, then YES, she needs some sort on intervention by an expert who will suggest subtle lifestyle changes to manage the emotional roller coaster ride. It will not just help your wife but also the family members who will be better equipped to handle any outbursts...
So, make the so-called impossible, possible as that will save a lot of pain at home. Baby steps on this one...

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

You may like to see similar questions and answers below

Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 2022

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Relationship
I have been married for a little more than five years and I am living under tremendous stress and depression. We live in a joint family with my parents and an unmarried brother. I had told her all this before marriage. She loves me very much but her attitude towards my relatives has been a matter of concern right from the start. She does not want to keep a relationship with anybody apart from my immediate family. Slowly, she started having problems with my mother also; both have started having minor clashes at home. Many times, it is my mother’s mistake. The main problem is that she is very nagging and complains and gets irritated very frequently at the smallest instance. Frustrated, I planned on separating with her but the news came of her pregnancy and we were blessed with a baby girl. After the baby was born, my wife’s frustration and irritation has increased manifold because of her fear that my mother will give much more love to the baby then she can. So their clashes have increased. Now my wife has been putting a lot of pressure on me to look for a new house away from my parents, since she wants her own space. I already have a home loan on the existing home and a car loan. There is very less scope for me to purchase a new home and I don't want to leave my parents. She just doesn't understand my position and clashes happen between us. Looking at all this, I desperately want to separate from her but can't do so because of our daughter. I love her the most and can't live without her. So I just endure what is happening every day. This has resulted in me slipping into depression. It has affected my work in office as well. I am not performing well, I don't like to speak with any of my friends or relatives, I don't feel like doing anything. I’m living for the sake of my daughter, that's it. Even my parents are not in a position to understand me and my situation so I can't talk to them either. Can you help? Just don’t publish my name.
Ans:

Hi

It is unfortunate that you are in this situation.

Your wife is possibly not very inclined to be in a joint family set-up; the reasons maybe many. But isn’t it necessary for you as a husband and a father to look out for your family?

The misunderstandings caused between the two of you over the years because of being in a joint family set-up have never been addressed and much water has flowed under the bridge.

There is a slim chance that matters might get resolved if you get your mother and wife in the same room and iron it out, with you being a neutral person who does not take sides; this is the best option.

If this isn’t possible, kindly visit a family counsellor who can step in and show your family a way to live amicably or give you a perspective on how healthy it might be to live separately.

At the end of the day, you have responsibilities towards your wife and child too!

All the best and a Happy 2022.

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2021

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Relationship
Dear Anu, I've been married to my wife for 10 years. In the last 2 years or so I find it difficult to understand her. Once every 2 or 3 months she goes into depression, and brings up old conversations between my mother and sister. It is not that they are perfect; however they have already moved on. She blames I didn't support, if the conversations happened in front of me then I can support but didn't happen. Also, my mother and sister they don't talk to me anything about those conversations. I love her and I have asked her to seek medical help but she doesn't want. I want to help and at the same time I need help.
Ans: Dear A, my first question to you is: how do you know that it is depression?

Has she been clinically diagnosed? Most often, I find people throwing this word around loosely without knowing what depression truly is.

For all you know, she may simply be low or upset over something that comes and goes frequently.

Assuming that this is case from what you have stated in your email, what is the reason that you feel she brings up these conversations from the past?

What triggers it? Is there a reference to your mother or sister in any current context?

Is anyone praising them currently and she doesn’t like it? Is she being compared to them in any manner?

Has she lost or given up anything in the past because of them that is impacting her now?

Do a reality check with her or if you know the answers to these, you will know what exactly is going on in your mind.

Questions like these can point you in a direction that will enable you to help her rather than see her as a problem.

She may not be willing to go to a professional for help as most of us think that it is NOTHING.

Stress and sadness are real and over a period of time, it can rob us of even the smallest of joys that we deserve.

It's easy to say: Forget the past; one cannot forget the past or what happened there BUT one can only change the way they feel about the past.

Replaying what happened means she is reliving the same experience over and over again and feels the reality of this even now which must be dulled and faded away.

Why does she hold onto this is because it perhaps gives her the solace of not doing anything about it now and it’s easy to play the blame game?

At times, we seek refuge under phrases like: My life is a living hell because of this or that. This could also be hiding away from opportunities and blaming the world for it.

What I am sharing here is based on what information that I have got from you.

I suggest start with the reality check questions first and see how it goes as this will give you vital information on what’s going on in her mind.

Most importantly, reiterate to her to be grateful for the things and people in her life right now.

Gratitude as an energy can liberate us from mundane occurrences and can keep us sane and calm.

Best wishes to you and your wife for a wonderful life.

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 2023

Asked by Anonymous - May 24, 2023Hindi
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Relationship
Hi! I am married now for 4 years and have a 18 months old child. My wife is having Borderline Personality Disorder and often talks about ending the marriage but when she is normal, she credits me for such an understanding husband. She doesn't acknowledge that she has such disorder from before marriage. I am very disallusioned about what step to take more so because of my daughter. Shall I go for divorse? Please advice.
Ans: Dear Anonymous,
It's easy to walk out on a marriage but being in it and overcoming challenges together can grow the two of you in love and trust.
Whether she knows about her condition before marriage or not, in my opinion is not of concern as you need to focus on how as a family you can deal with the situation. What if you were in her place? Would you want her to leave you?
Any disorder (as experts call it) of the mind require a lot of support from the family members and having worked with clients on this, I can tell you involving the family makes it easier for the person struggling with it. It also strengthens their bond. The two of you have a child who needs both parents...
It may seems an uphill task to be in this situation but do remind yourself: Why did I marry this person in the first place?
This reason will be enough to carry you on and make a commitment to handle it together.
I do realize that one day she may say one thing and go back and say just the opposite the next day. It can be very disillusioning for you. My appeal is: go back to the person who diagnosed her. He/she will educate you on the coping strategies individually and the family as a whole. A good round of counselling will also help your wife take care of her mind state.

All the best and I am sure you can do this...

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Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Asked by Anonymous - Nov 16, 2023Hindi
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Relationship
My wife is extremely sensitive to even smallest of criticism either received directly or indirectly. She gets panic attacks and suffers from the situation for about 10 days. She is unable to leave any of the not so good/bad memories and thus keeps thinking of them all over time. She feels and talks hopeless and useless during this period, which also includes getting separated and ending her life. We have 2 childs of 14 and 9 years. She does not talks to anyone when her mood is off. I have been keeping extreme patience during all the time and always tried to console her and explain her that we also have good memories to remember. But seems she doesn't understands these things. We also consulted one psychiatrist, who gave her Ketamine treatment. She was fine for sometime only but after some time she said that she will not go to any doctor now, and let the situation prevail as it is until she is living. I am totally shattered and perplexed on this situation and could not focus on my job and any other thing in life. What to do, pl advise. I am not able to see her in this situation which is not so bad according to most of the people, but she is filled with so much of hate and negativity that she is not able to understand the things and value them.
Ans: She sounds clinically depressed and definitely needs help. If not a psychiatrist, she can at least start visiting a psychotherapist to help; she need not take medication if she doesn’t want to, but going without any help at all is dangerous.
You have your children to think of too…explain to her that she has to do this for their sake, if not hers. They deserve a well-adjusted, responsible mother and not someone who is too selfish to see to their needs.

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

Asked by Anonymous - May 02, 2024Hindi
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Relationship
Hi Ms. Anu, I need some different way of looking at the mess I am in. We are a very well educated couple married since past 16 years and very well settled (financially) abroad. We married after a courtship with blessings of both families and we do have a kid who is doing well atleast academically. The marriage has been a mess all these years starting within a couple of years after marriage. I do come from a very close knit middle class with a mentality/ upbringing to carryon whatever the odds are for wellbeing of kid also the spouse. My wife come from a pretty broken family where none of the family members are staying together or on routine talking terms. I do strongly feel that she has a borderline personality disorder which she refuses to atleast seek help available even to confirm or reject it. She has no good friends and her relations are very superficial with lot of white lies. Living with her is like walking on needles not knowing when she goes off. It has literally made me and my kid apprehensive every other minute dealing with her. She has given up her career in India and is a home maker here and I do respect that a lot but she is also very apprehensive to try out anything over here in spite of so many opportunities .I really don’t have any problem with it as we don’t have any financial need for it. She has best of everything we have/ earned over here, I never question her regarding even routine needs and try to work around her choices. We are like roommates living in a big house in separate rooms bringing up kid in best possible way. It sort or drains me out both mentally and physically and even affects my professional progress. Every attempt to discuss amicably ends with a fight. She has no social support to even fallback or ask for help. For me I don’t want to divorce her as I do know she won’t be able to survive alone over here or in India also I don’t want this to even put a small mental scar on my kid. I am trying out the best possible way I can but I do fear I might breakdown some day or the other leaving them in bad position. I dont have any affairs, I don’t even drink/ smoke/ gamble. I am just a simple person trying to live comfortably and bringing up the kid in best possible was as every other person.
Ans: Dear Anonymous,
A different way of looking at the mess would mean:
- appreciating that your way of a family set-up and your wife's are way different
- understanding that things may go awry, but there is no need to strive for perfection within the marriage
- knowing that your spouse is different from you and celebrating those differences without finding a meaning in it

Having said this, I do appreciate you wanting to make your marriage better, but sometimes we also need to understand that what is happening is possibly the best. As long as the child is in a safe space to grow and bloom, do not strain yourself much. You are not dealing with daily fights or threatening arguments, hence if this is peace, learn to make peace with it.
Sometimes, it may feel like the other person has an issue with the mind when they don't align to your way of thinking or expressing. There are people who yell to be heard, that does not make them an angry person...that is how they have learned to express themselves since childhood. It does not qualify as a mental illness...

Take some time out together to coordinate and appreciate each other at a different level acknowledging your differences; your wife will also have to do this and support the fact that you are concerned about the marriage and your relationship with her.

Taking care of your mental health is in your hands and start by 'viewing things differently as stated above' AND yes, your wife also will need to be in sync on this by supporting you as well. That you will might need to have an honest conversation with your wife and work on this together.

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

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Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2025

Money
In my earlier question reg taxability and tax treatment of SBI life Smart Wealth Builder Policy maturity gain income please read the annual premium as Rs 40,000/- in place of ' Rs.4000/-'. Please see the question and reply urgently as it will help me and many others.
Ans: Let’s now re-assess the taxability of the maturity amount from your SBI Life Smart Wealth Builder Policy, assuming the annual premium is Rs 40,000, not Rs 4,000.

? Taxability Depends on Section 10(10D) Conditions

– Life insurance policy maturity proceeds are exempt under Section 10(10D) if conditions are met.

– One main condition: Annual premium must be less than 10% of sum assured (if policy issued after 1-Apr-2012).

– You mentioned annual premium is Rs 40,000. Now check the sum assured in your policy.

– If the sum assured is at least Rs 4,00,000 or more, then 10(10D) exemption applies.

– In that case, entire maturity amount will be tax-free, no tax to be paid.

? When Tax Becomes Applicable

– If the premium exceeds 10% of the sum assured, then 10(10D) exemption is lost.

– The entire maturity amount becomes taxable under "Income from Other Sources".

– However, death benefit is always tax-free.

– Also note: From FY 2023-24, high premium policies (total annual premium above Rs 5 lakh) have additional tax rules.

– But your premium is only Rs 40,000, so these new rules will not apply.

? If 10(10D) Exemption Is Lost, Then

– You have to pay tax on maturity proceeds as per your income slab.

– Only the amount received above the total premiums paid will be treated as taxable.

– For example, if you receive Rs 3 lakh maturity and you paid total Rs 2.4 lakh premiums (over 6 years), then Rs 60,000 is taxable.

– Tax rate will be as per your applicable income tax slab.

? TDS Rules to Remember

– If the maturity amount is taxable, TDS at 5% will be deducted on income portion only.

– If you submit Form 15G/15H (and eligible), you may avoid TDS.

– But still, you will have to show the income in your ITR and pay tax as needed.

? What You Can Do Now

– Check your policy document or online account for exact sum assured.

– If sum assured is 10 times or more of annual premium (Rs 40,000), then you’re safe.

– The maturity amount will be tax-free under Section 10(10D).

– If not, calculate the taxable portion and plan to declare it in your ITR.

– Consider consulting a Certified Financial Planner for accurate reporting and reinvestment advice.

? Final Insights

– With Rs 40,000 premium, you’re likely within the tax-free zone if sum assured is Rs 4 lakh or more.

– New taxation rules on insurance do not affect you unless total annual premiums exceed Rs 5 lakh, which they don’t.

– Always keep maturity documents, premium payment proofs and policy details handy at tax filing time.

– For better long-term growth and tax efficiency, consider future investments in mutual funds through MFDs with CFP credential instead of insurance-linked investments.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |8642 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
My son is getting IIIT Vadodara IT, RVCE - CSE (specialization w/AI ML) and BITS - HYD Electronics and Instrumentation or MSc Nanoscience and Semiconductors at BITS Pilani. Which option would be the best? Consdering placements, college life, future scope etc. He has somwhat interest in IT related branches, Will ENI @ BITS Hyd be good? Can he get into somewhat IT related stuff through that branch? Same for Msc Semiconductor and Nanoscience @ BITS Pilani, is MSc degeee worth it? Is Dual degree (after first year a good option @ BITS?)
Ans: IIIT Vadodara’s IT programme, NBA-accredited since 2013, reports a 2024 B.Tech placement rate of 61.4%, with an average package of ?11.34 LPA and median ?9 LPA across 53 recruiters, supported by project-based learning and industry tie-ups. RVCE’s CSE (AI & ML) specialization leverages its 100% CSE placement tradition, achieving a 75% placement rate in 2024 (93% in 2023) and an average CSE package of ?19 LPA through top firms like Microsoft and Cisco, within a vibrant campus culture and active student clubs. BITS Hyderabad’s Electronics & Instrumentation offers 60 seats, practice-school internships, and around 95% placement consistency with an average ?14–15 LPA, backed by NAAC A++ accreditation and cutting-edge digital-manufacturing labs. BITS Pilani’s newly introduced M.Sc. in Semiconductor and Nanoscience, aligned with the India Semiconductor Mission and National Quantum Mission, provides interdisciplinary training in nanofabrication and device physics, strong ISRO/DRDO collaborations, but lacks placement data due to its 2025 launch; prospective dual-degree switches to B.E. are limited to top performers after the first year and are highly competitive.

Recommendation: For immediate IT alignment and strong core outcomes, opt for RVCE CSE (AI & ML); choose IIIT Vadodara IT for balanced placement and academic rigor; pursue BITS Hyderabad E&I if instrumentation and IoT appeal; join BITS Pilani M.Sc. only if committed to research and willing to navigate the competitive dual-degree pathway. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

Nayagam P P  |8642 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
Sir, for my daughter, Which is better? IIITDM Kancheepuram Smart Manufacturing or VNIT Nagpur Meatallurgical and Materials Engineering or IIIT Trichy ECE or drop an year to target IITs next year? No inclination to any specific branch, but having interest to do Masters abroad after Engineering, thanks
Ans: Sadhana Madam, Among the four pathways, IIITDM Kancheepuram’s Smart Manufacturing programme stands out for its interdisciplinary curriculum that merges advanced manufacturing processes, Industry 4.0 technologies, IoT, big data analytics, and robotics within a government-funded Institute of National Importance framework, supported by five-month industry internships and modern digital-manufacturing and CPS labs. VNIT Nagpur’s Metallurgical & Materials Engineering, a four-decade-old NIT ranked 39th by NIRF, offers a rigorous core materials-science syllabus, well-equipped failure-analysis and pilot-plant facilities, strong research projects with R&D organisations, and extensive testing and consultancy collaborations. IIIT Trichy’s ECE, under the PPP model and NAAC A+ accreditation, delivers a focused VLSI, embedded-systems, and sensor-networks curriculum with small cohorts and dedicated laboratories, along with fellowship support for overseas research aspirations and integrated national scholarships. Opting to take a drop year to aim for IIT entrance may enhance access to premier institutions but carries considerable opportunity cost and uncertain success without exceptional discipline and coaching.

recommendation Prioritize IIITDM Kancheepuram Smart Manufacturing for its cutting-edge, interdisciplinary design-and-manufacturing focus and robust experiential learning that align with overseas master’s ambitions; consider IIIT Trichy ECE next for its specialized labs and fellowship pathways; choose VNIT Nagpur MME for its deep materials-research ecosystem; avoid dropping a year unless fully prepared for the competitive rigor required to secure an IIT seat. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'

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Nayagam P

Nayagam P P  |8642 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
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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