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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Asked by Anonymous - Feb 18, 2023Hindi
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Relationship

I had late marraige . My husband was very keen to marry. In fact my family was not very keen. i was the only child and my mom passed away early. After my marraige my husband family behave differently. My mom-in law never allowed our normal relationship. My husband was not financially stable. However his mother used to fulfill all his wishes as she was in job. Now she is retired. I had a steady job and academic background. So I remained financially stable. But I never got any opportunity to lead a normal conjugal life. She constantly created psychological pressure so that I stay away from my husband. My husband also was unable to protest. He was more frank in absence of mother. This strange situation forced me to stay away from my inlaws place. I started living separately. My mom-in law was cooperative as long as Im away from them. Now if my husband is sick, he is informing me, taking financial help, but not allowing me to accompany him to doctor . Its a strange situation. Now My husband is in mental problem with no financial stability and normal peace of mind. How should I tackle this situation?

Ans: I'm sorry to hear that you are going through a difficult time in your marriage. It sounds like there are multiple issues at play here, including strained relationships with your in-laws, financial instability, and your husband's mental health. Here are some steps you can take to tackle this situation:

Seek counseling: It's important for you and your husband to get professional counseling to address the issues you're facing. A counselor can provide guidance on how to manage difficult family relationships, financial stress, and mental health issues.

Set boundaries: It's important to establish clear boundaries with your in-laws. Communicate your needs and expectations with your husband and his family. This may include spending less time with them or limiting interactions with them.

Seek financial stability: If your husband is unable to contribute financially, it may be important for you to take charge of managing the household finances. This can help alleviate some of the stress and uncertainty around money.

Support your husband's mental health: Encourage your husband to seek professional help for his mental health issues. You can also offer emotional support and be there for him during this difficult time.

Focus on your own well-being: It's important for you to take care of yourself during this time. Make time for self-care activities, such as exercise, meditation, or spending time with friends and family.

Remember, these issues may take time to resolve, but with patience, understanding, and professional help, you and your husband can work through them and find a path forward.

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Anu

Anu Krishna  |819 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

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Hi Anu, 10+yrs of marriage with 9yr child. I am working and all financial burden is on me. I shifted separately from in-laws' house due to financial constraints and expectations. Though elder-in-law, my in-laws didn't try to stop our decision to move separately despite knowing that my hubby doesn't earn a single penny. They expected and I had to share financial expenses with my marginal income 10 years ago. After 5 years, we moved nearby and purchased our own house very little help from in-laws. I took loan and managed the rest with help from my family and friends. In between a lot happened. My father-in-law expired and my mother-in-law is a cancer patient. My mother-in-law started expecting from my hubby and me, probably because her younger son shifted with her family. She didn't want to live with them due to differences with her wife. She complained to my husband that we are not good enough to take care of her. I already had a lot of burden from office so I told my husband to take care of our child as well for sometime. He was quite depressed and frustrated with his inability to earn. Already lot of my hard-earned money has been put in his work n wasted.Now, the real problem during these difficult times began when we started fighting. I had lot of office stress and after mother in law complained, she shifted with her other son. At times, I got frustrated with my child also due to the whole mess, financial burden. I felt like all my hard earned money was wasted due to office stress and my hubby's irresponsible behaviour. He did not even take care of my child’s studies. He started watching porn... I saw him twice and even warned him. My husband started cheating on me with our maid. He did it when he was stressed because I was not able to give him time. I confronted him and since then it has been an emotional trauma. I am yet to accept it. 9 months have been passed. We decided on certain things but I couldn’t accept it.. Due to our emotional bond, I gave him another chance... During that time he accepted and was ready to leave everything and wanted me to be happy. He said he committed a big mistake but recently I found he called that b**ch later. When I confronted him he said he’d advised not to come home in front of his family members. I decided it would be best for him to move out and work from another place. My MIL was living with me but then I felt it too much at times.. now somewhat even my child has emotionally detached from him. It’s the same with him as we've been staying separately from 7 months. He visited 3 times during puja and other needs. I feel emotionally detached and I can’t digest the family situation.Sometimes I feel it's difficult to find the courage to avoid all and live alone. What's the point in living in a marriage for sake of it without having any emotional, physical, financial dependency or security?I am 39 and earn a decent salary at this moment. But I am not sure of my future as I work in a private firm. I am worried about my child’s education, old age, financial insecurity and burden. I haven’t been able to save much because of our financial liabilities and husband’s investments in businesses that never materialised.Before this incident, my husband supported me in my career and also to bring up our child. But what happened is too much and unexpected. Any suggestions?
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Anu

Anu Krishna  |819 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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Dear mam, I am married for 14 yrs. Love marriage. I used to work earlier but quit because my husband was earning well and he said he will take care of me and my son. We used to be a happy couple but during the lockdown my mother-in-law and sister-in-law decided to move in with us. Slowly they started creating issues between my husband and me often badmouthing my behaviour or complaining about me. I was unaware about it until recently when we had a big fight. That’s when I realised that they have been planning to drive me out of the house and get him married to someone else whom they can manipulate. It’s been over a year now that my husband is not even talking to me properly. I went and stayed with my parents for some time but even they feel I am a burden and should adjust and accommodate instead of giving them reasons to fight. They don’t understand that all this is politics. Now my husband is talking to some girl whom I don’t like. That is causing more problems and fights between us. Anything I say is used against me now. Please help me mam. What to do?
Ans: Dear R, why did they start to create issues between you and your husband?

What led to this? It rarely happens that people go after people with no reason.

Did you have any reservations about them coming and staying over?

Did you express it in some form to them? (Ask these to yourself so that you know that any act on your part did not lead to this situation. Of course, nothing justifies their plotting to get their son married behind your back).

If the answer to this is NO, then it's time to confront your husband, get a mediator and put things on the table.

What does he want? What do you want?

Do you both want to continue in this marriage?

What are his responsibilities towards your son?

These need to be addressed without anymore delay. Being in a limbo state is not fun as it keeps you guessing and the uncertainty can cause a lot of stress.

Also, kindly sensitise your parents towards what you are going through, so that support you in this time of need.

Act NOW and whatever you decide, put yourself first and take care of you emotional state of mind.

Best wishes!

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Anu

Anu Krishna  |819 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 2022

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Hi Anu, I have been reading your articles for quite some time. I am 40 years old in a marriage for last 12 years. I have a 11.5 year old son.My marriage is going through a very rough phase. My husband doesn't leave any chance to abuse me, doesn't matter where and with whom we areMy husband proposed to me knowing I have Vitiligo (discoloration of skin). Plus I was not as rich as him. I did make him aware of this before going ahead. His family was against our marriage still he went ahead. From the day of marriage he suddenly changed, and started abusing me in and out. First I thought my mother-in-law is creating problems which she did every time we came together. Infront of every maid and in the absence of my husband she tried to humiliate me based on my skin condition and financial status. But she'd become caring in his presence.After five years of marriage, for a few years we were away from family. It was peaceful and we had a nice time. But during the lockdown and online school we were back with the same problem. Now the condition is that I cannot stay with my husband. My family is very supportive but suggest that before taking any step I should think of my child. And that we should both sit and talk.If I try talking to my husband I know it will end in a fight. Kindly suggest which way should I go?
Ans:

Dear KB,

Maybe someone from the family or his friends have commented on your condition and made him feel that he made the wrong choice.

Even if it’s that, when he knew and had no objection, what is a man’s word is that he keeps it no matter what!

Now that he has gone back on it, it’s natural for others to take advantage of it and mock you for what the society considers as ‘not beautiful’.

In a way, we are obsessed with some sort of standards for what’s beautiful and what’s not. Beauty standards, you might call it so!

He seems to be a different person with his family and without, it suggests that he may not have a very strong mind to back up the decision of marrying you in the first place possibly against the wishes of his family.

Abuse, at no point is justifiable and you need to take a strong stance and draw a boundary as this is going to continue.

Your family has made a wise suggestion and for the sake of the child, it might be worth the effort to sit down have that chat with your husband however hard that might be.

Do not compromise on the fact that this so-called beauty standards and labels within his family will continue. Be unapologetic about who you are and own your beauty your way.

This is non- negotiable and you need to state this clearly when you have that conversation with him. Period!

All the best!

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Anu

Anu Krishna  |819 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 2022

Relationship
Hi Mam, I would like to remain anonymous.I'm in a very much stressed stage of my life. I had an arranged marriage in May 2020, I had known the guy only for 3 months. I had discussed everything before marriage itself. I am an only child and my father is not with us and my mom's health is not very good. After marriage everything was fine, but after a few days like a month or so, my sister-in-law started calling my mom and asked for gold ornaments, since we got married during the covid pandemic, the wedding was held in a temple. They wanted us to get gold in that money which was spent from our side. We were planning to buy a car so that travelling would be easy for me. I was still working in my old company and my husband had agreed to the same. When we refused to give them the gold. Communication was completely nil, my sister-in-law nor my mother-in-law spoke to me, just a hi bye. My husband was ok initially, but then later he started supporting his family and said what they demanded was right. I got pregnant and I didn't want to travel during this situation, my in-laws didn't agree to send me to my mom's place. They wanted me to quit my job. My sister-in-law who was married had come here and was staying with us. She started interfering in our life, I had to consult the doctor of her choice, quit my job and my husband insisted i listen to them.We had a huge fight and I came to my house. From that day none of them called or even messaged me. I even went to the doctor with my mom. Then after 45 days we got to know that the pregnancy was not viable and it had to be aborted. When i conveyed this message to my husband, he started blaming me saying that I did this on purpose and my sister-in-law started blaming me that i had aborted because it was a girl child. I was shocked that such baseless allegations on me, I couldn't digest this. They even threatened that they'll file a police complaint on me and my family. Then they wanted to get me checked with another doctor of their choice. I even went for the check-up. The doctor said that these things are common in first pregnancy and not to worry. Even after this my sister-in-law was blaming me and my mother told me that we didn't take proper care. Sister-in-law was present at every doctor's check-up. On the final day of check-up, I was in the hospital for 1.5 hours my husband didn't come. I left thinking he'll not come. But later he called me and started verbally abusing me and my family saying that he'll file a police complaint coz we didn't wait for him at the hospital. I mean I didn't know how to react to this. He used very vulgar language. I couldn't tolerate this. I told him I will not stay with him any longer. He then again started vulgarly abusing me, calling me and my family names which is not acceptable. Now I have filed for divorce and domestic violence. He has filed for restitution of conjugal rights and his sister has filed a defamation case on me coz I said that she has deserted her husband which is true. He's demanding money which they are claiming to have given for marriage expenses and litigation charges to sign mutual divorce papers. I don't know the total amount he might ask. Mam I don't know what to do. Kindly help me take a decision. Is my decision right to divorce him?
Ans:

Dear AV,

Clearly a lot has happened and is happening which is rather unpleasant for you. This will disturb your peace of mind.

To ask me if your decision is right to divorce him is not a wise thing to do as the decision is yours to make.

You know your situation and you know what’s at stake and you also know what and how much you can take.

Firstly, hire a lawyer who is adept in dealing with cases of dowry demands and verbal abuse.

The correct step will be to narrate the situation to the lawyer as is and also tell him/her what you want to do and what you can derive financially out of the case if the divorce progresses.

Be prepared with what you want from and out of the divorce as every divorce lawyer will ask you this.

Also going prepared will cut down on the initial lawyer consultation fees. So, hire a good lawyer first.

Make sure that the initial wealth; all movable and immovable property given to you by your parents during the marriage that includes cash as well must be demanded back from your husband and his family.

You have a right over this streedhan. So, if you are filing for divorce, bear this in mind.

Secondly, to help you restore your mental health, I suggest that you actually pen the story of your married life down and each painful memory needs a release from your system.

It’s okay to be angry and spiteful towards the people involved but in the end for your own peace of mind, tell yourself that every story has an end and that instead of playing the victim, you will transform into a person who can take charge of her life and give the story a positive end.

Stop mulling over WHY it happened and move to WHAT CAN I DO NEXT.

Easier said than done? But being a problem space for too long will erode your wellbeing, so it’s wise to seek a solution.

Be brave and do the right thing. Never allow anyone to kill your spirit. All the best!

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Ramalingam

Ramalingam Kalirajan  |837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

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Hi sir, I have invested in sips from last 5 years but I invested through a brooker and he invested and managed my portfolio in regular mutula funds. I have invested like 8 lakhs and got a market values of like 14 lakhs on that investment, but now I want to convert my regular funds into direct funds. I am confused if i should do that or not. As i have got good returns due to covid 19 dip and ukraine war.
Ans: It's wonderful to hear that you've seen growth in your investments over the past five years, especially during the challenging times we've faced due to the pandemic and geopolitical events. The returns you've garnered are a testament to the potential of the market and the right timing.

Transitioning from regular mutual funds to direct funds is a decision that many investors grapple with. While regular funds often come with commission fees that are paid to brokers or advisors, direct funds don't have these additional costs. Over time, these fees can eat into your returns, affecting your overall gains.

However, the decision to switch shouldn't be based solely on costs. It's crucial to evaluate the value your broker brings to your investment journey. Do they offer personalized advice, timely updates, or help navigate market volatility? If yes, perhaps it's worth continuing with them despite the higher costs.

But if you feel confident in managing your investments or seek to maximize returns by reducing costs, transitioning to direct funds could be a prudent move. Remember, every investor's journey is unique, and what matters most is aligning your investment strategy with your financial goals.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Apr 24, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Career
I completed B.Sc Costume Design and Fashion and due to managerial area of interest and not wish to do sewing practical wish to continue in theoretical study as Master of Fashion Management at NIFT, but once after I try to join Ph.D in Costume Design and Fashion or Ph.D in Fashion, institution are rejected by saying the reason that I wants to complete my Post Graduation in M.Sc Costume Design and Fashion to join Ph.d in fashion and I gone to join Ph.d in Management they are saying that you must wants to join in MBA not Master of Fashion Management. Finally I join at one deemed university on Ph D in Management Science but many of them convey that due to your PG degree and Ph.d is non sink, definitely you won't get opportunity to work as Lecturer either in Fashion design or Management. So what I want to do, ? If I study MBA online will it's valid and consider online MBA as qualification ? ? or else shall I go abroad and try to become lecture in Fashion design and Fashion management ? If yes which country has more opportunity to work as Lecturer in Fashion, will at abroad they accept my PG and Ph.D degree. Due to non-guidance and by seeing the name of NIFT I joined and facing total regrets. Kindly please give a solution
Ans: Hello. Thank you for contacting us. It is understandable that you have encountered challenges while aligning your career and academics. Coming to the question, let me tell you that for pursuing a PhD, a master’s degree would be a basic requirement. It is advised to go for a full-time MBA abroad instead of an online MBA as it would add a great value to your profile. It is advised to check with your desired university whether the program regarding the availability of the program.
Going further,given your background in fashion, you also have the choice of pursuing a master’s of fashion management from a foreign university. As you said, you are interested in theoretical knowledge, program on master of fashion management from overseas would be of interest to you as it would leverage your knowledge accordingly.
You can consider countries like the USA, UK, Australia, and Canada that have a thriving fashion industry. Also, while studying fashion, you can choose to combine your fashion studies with management-related subjects. It would be good if you let us know if you have thoughts about any country where you would like to pursue your desired course. We will give our best possible guidance.

For any further queries, please get in touch with us. We have a team of expert counselors who can guide you through any concerns or questions you may have.
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Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Apr 24, 2024

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Indian MBBS degree is Not recognized by USA. How can anyone study MD there?
Ans: Hello Alphones,

To begin with, thank you for contacting us. As an answer to your query, I would like to let you know that if a person holding an Indian MBBS degree wishes to study Doctor of Medicine (MD) in the USA, he/she will generally require to undergo a procedure known as "medical residency." There are numerous steps that one will need to consider. Mentioned below is the same:

As the first step, to ascertain whether the candidate qualifies for a license in the US, they will need to get their educational qualifications assessed by organizations viz., the Educational Commission for Foreign Medical Graduates (ECFMG). Secondly, they will need to clear the United States Medical Licensing Examination (USMLE) Step 1, Step 2 Clinical Knowledge (CK), and Step 2 Clinical Skills (CS). Remember that one’s knowledge and abilities to practice medicine in the USA are evaluated through these exams. Thirdly, upon clearing the exams, they will be required to apply for residency posts using the National Resident Matching Program (NRMP) or similar matching initiatives. Bear in mind that residency programs are highly competitive, and applicants need to show their qualifications and compatibility with the program. After being matched, students enroll in a residency training course in the field of specialization they have opted for. Based on the area of expertise, residency training usually takes three to seven years to complete. Lastly, after having completed residency training, students have the option to become board-certified in their field. They can do so by clearing extra tests that the relevant specialist board administers.

I would like to let you know that although an MBBS from India might not automatically qualify someone to practise medicine in the US, they can still pursue a medical career in the country by completing a medical residency program, as long as they meet the prerequisites and conditions.

For more information, you can visit our website.
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Anu

Anu Krishna  |819 Answers  |Ask -

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

Sushil

Sushil Sukhwani  |313 Answers  |Ask -

Study Abroad Expert - Answered on Apr 24, 2024

Asked by Anonymous - Apr 10, 2024Hindi
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Career
Hello sir, I have completed my MDS degree in orthodontics, can I immigrate to Europe and practice orthodontics in Europe?
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that you have completed your Master of Dental Surgery (MDS) in orthodontics and now wish to immigrate to Europe. To answer your question first, I would like to tell you that the opportunity to immigrate to Europe and work as an orthodontist is based on a number of variables, viz., your credentials, the particular conditions put forth by the nation you want to move to, and any applicable professional laws.

Remember that in a number of European nations, you will be required to have your credentials recognized by the appropriate professional group or regulatory agency, in order for you to practice orthodontics. Assessment of credentials, language competency tests, and potentially further training or testing to adhere to regional requirements could all be entailed in this process.

I would like to let you know that for foreign-trained orthodontists who want to practice, every country in Europe may have its own unique regulations and procedures. I would suggest that you conduct a comprehensive study on the particular immigration and professional prerequisites of the country you want to immigrate to and practice in. Moreover, in order to acquire precise and thorough information specific to your circumstances, I would recommend that you get in touch with professional organizations, immigration officials, or legal professionals with specialized knowledge pertaining to healthcare and immigration laws as they would be in a better position to provide you with the same.

For more information, you can visit our website.
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Ramalingam

Ramalingam Kalirajan  |837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Asked by Anonymous - Mar 22, 2024Hindi
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I am 44years professional working in Engineering field. My total monthly income is 300k. I get 225k net in hand from Salary and have a rental income of 75k from three properties. I invest monthly 12.5k in PPF, 5k in MF, 5k in Gold Funds. I have two home loans of 40lacs and 50lacs on two properties and my EMI is 87k. Current RoI is 10.65% and 9.55% respectively. Since I have bank's max gain scheme, I park all my surplus funds in my home loan account to save on interest. Shall I continue doing extra loan repayments or shall I consider investing in other avenues having higher returns? Also my PPF is maturing in this month and is considering repayment & closure of one of my home loan account with these PPF maturity funds. Is this a correct approach, since I am expecting major educational expenses for my elder son in couple of years?
Ans: Your financial discipline and diversified income sources are commendable. Let's delve into your current financial situation and provide some suggestions:

Home Loan Repayment:
Extra Loan Repayments: Given the current interest rates on your home loans, making extra repayments can save you significant interest over the loan tenure. The max gain scheme allows you to park surplus funds in your home loan account, reducing the interest burden effectively.
Interest Rate Comparison: Ensure you compare the interest rates on your home loans with potential returns from other investment avenues to make an informed decision. If you expect higher returns from other investments, consider allocating a portion of your surplus funds there.
Investment Avenues:
Equity Mutual Funds: Given your age and investment horizon, consider increasing your allocation to equity mutual funds. Equity has the potential to offer higher returns over the long term compared to other asset classes.
Diversification: Diversify your portfolio across different asset classes like equities, debt, and gold to mitigate risks and achieve balanced growth.
Emergency Fund: Ensure you have an emergency fund set aside to cover 6-12 months of living expenses. This fund should be easily accessible and not invested in market-linked instruments.
PPF Maturity:
Loan Repayment: Using the PPF maturity amount to repay and close one of your home loan accounts is a prudent decision, as it will reduce your debt burden and interest outgo.
Educational Expenses: With major educational expenses for your elder son on the horizon, reducing your debt burden can free up cash flow to fund these expenses without straining your finances.
Financial Planning:
Goal Planning: Define your financial goals, including retirement, children's education, and other long-term goals. Allocate your investments based on the time horizon, risk tolerance, and expected returns for each goal.
Regular Review: Periodically review your portfolio to ensure it aligns with your goals, risk profile, and market conditions. Make necessary adjustments as needed to stay on track.
In conclusion, continuing extra loan repayments while exploring other investment avenues for higher returns is a balanced approach. Utilizing the PPF maturity amount to repay and close one of your home loan accounts is a good strategy, considering the upcoming educational expenses for your elder son. Ensure you have a well-diversified portfolio aligned with your financial goals, risk tolerance, and investment horizon. Consulting a Certified Financial Planner can provide personalized advice tailored to your financial situation, helping you make informed decisions and achieve your financial goals over the long term! Keep investing regularly and stay disciplined to build wealth and secure your financial future!
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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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