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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 27, 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 09, 2023Hindi
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Relationship

Hi ... I got married 16 years back and it was an arranged one. Before marriage, I barely got to know her and within a few weeks of marriage I knew that we are very different people and there is very little we have in common. However, I felt, with time we might develop similar interests but unfortunately we have only drifted apart. We don't get along with each other, she suffers from an inferiority complex and hates everyone on my side of the family. She doesn't get along with her own parents as well. Marriage has been hell but I have been silently enduring it for the sake of our son, who is 15 now. Around 4 years back I fell in love with a colleague and she loves me back. She is married herself and has a young kid. Her husband is a decent chap but I guess they've grown apart. For me, the last 4 years have been the best years of my life. She is everything I have always looked for in a partner and I feel destiny has played an extremely cruel joke on me. She is also bound by her commitment to her family even though she loves me dearly. I don't know what to do.

Ans: Hello, I understand that you've been going through a tough time in your marriage. It's difficult to be in a relationship where you and your partner have grown apart and don't have much in common.

It's important to acknowledge that cheating on your spouse is not a solution to this problem. It can cause pain and damage to everyone involved, including your son and the woman you're having an affair with.

Instead of pursuing a relationship with your colleague, I suggest focusing on repairing your marriage. It's okay to seek help from a couples counselor or therapist who can assist you and your wife in working through your differences and improving communication.

It's also important to address the issues with your wife's self-esteem and her strained relationships with your family and her own parents. These are problems that can be resolved with the assistance of a professional therapist.

Ultimately, whether you decide to stay in your marriage or leave is up to you. However, please consider the impact that a divorce may have on your son and your family as a whole. It's important to approach this situation with care and sensitivity and to make a decision that is in everyone's best interest.

Remember that there is hope for a better future. With effort and time, it is possible to repair a struggling marriage and find happiness with your spouse.

You may like to see similar questions and answers below

Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Hi I have been married to my college mate for more than 11 years now with a girl child of 8+ years.Wife and I were good friend for 2 years followed by live in for 4 years before we got married. We got into marriage unprepared financially and mentally.My wife is a great responsible caring person -- way more mature than I am. I am a bit childish and emotional, very talkative and expressive person.When I travelled to another city after 5 years of marriage for higher studies, I got involved with another girl. We were very much alike in terms of personalities. We could talk endlessly and were very compatible in all sense. We even got physical and felt like we’d never had this experience before. The thing is she too was recently married to another person quite like my wife.We tried to get separated from our previous relationships but the girl’s family couldn't bear the family pressure and her husband though good otherwise took this on his ego.I waited for 3 years for her to come out.In the mean time I was almost on the verge of breaking my marriage because whatever connection I had with my wife had almost come down to negligible.That girl too had to be in that forcible relationship with no connection at all and had to adopt a child to survive the dead relationship.I got into a messy situation too -- a marriage with no connection but a lovely child.I have a connection with that girl but without living together.I don’t know if I can start a new life and if I do, how much I will be involved with it. Absolutely messed up emotionally and physically. Although my wife and I are financially stable as both of us are officers.That girl too is a medical practitioner but I have no idea if she will ever be able to come out. Plz tell me what to do.I prayed a lot, read lots of books, tried meditation, counselling, still I am in the middle of nowhere.
Ans:

Dear HK,

Why exactly did you feel the need to get into a relationship with another person?

Did your current relationship lack anything that the other relationship was fulfilling you with?

How exactly did the relationship with your wife deteriorate? Did the two of you make efforts to communicate enough in that long distance relationship?

How do you say your marriage is one without connection? How did you lose that connection?

Now, do you plan on continuing in your marriage or move on? If you have decided to move on, isn’t it time for you to come out to your wife and share what has happened?

These questions are possibly ones that are very difficult to face and answer as they bring out the truth; but they will help you get a better grasp of the situation.

It’s nice to live an alternate reality life for some time and relish the goodness but coming back to your real life that holds the ‘real you’ and your responsibilities isn’t something that can be ignored any longer. So, as much as you feel that you are in the middle of nowhere, I see no mention of what your wife must be feeling right at this very moment.

It would help to put things in perspective and talk this out as adults, (and yes, you do owe her that) so that both of you can come to an amicable decision to live more peacefully.

All the best!

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Dear Anu, I don’t know how to start. My Age is 40. This is my second marriage. My first marriage was arranged and it lasted 6 months.  As I was in love we got divorced. We have one son who is 10 years old. Now the issue is my second wife and I have both betrayed each other. I caught her first having a deep love affair with her yoga friend. That fellow is married and we know his wife and daughter. She has started him when she was training for yoga and later they both started classes together. Meanwhile, I am in a relationship with a colleague. Now she is in a different organization. Although she has stopped it, I continue to chat with her. We are both struggling to come to a decision since last 9 months but nothing is working out. We both confessed; she is guilty, I am not. We've had a very rough time. Now she is at her mother’s home. My problem is that I can neither let her go nor forget her. She wants her freedom as earlier but I am not ready. So I am sad while I continue to torture her by asking past questions. I am worried more about my son. I am stuck so I end up bullying her. Please advice. I want to move on. I don’t want to be in relationship but i am afraid of taking decision. Sometime I feel miserable.
Ans: Dear PC, I don’t want this and I don’t want that is a childlike way of dealing with things; you will be stuck in that mud forever.

You have to want to either move on with your marriage or not.

If you choose to stay, you have to train your mind and as a couple go for a Couples Counselling to rebuild the marriage.

It will require forgiving; hard as it is, it will help both of you relook as to why you fell in love in the first place.

Sometimes, it is essential to hit the refresh button and look at things with a new perspective. And if you have decided mutually, to separate, do make sure there is no mud slinging or finger pointing.

A marriage is between two adults who are invested equally in it and there is no one person to blame.

Be graceful about this and make it a graceful end where you support one another.

Whatever you decide, always make sure your son is well looked after especially his mind and what he needs to know and understand.

Seek the support of a professional who deals with children growing up in families where the parents are separating or are quarrelling.

Either case, please DO NOT let the child suffer as this has long-term consequences on his mind.

I hope you make a decision sooner as every day not only makes it harder for both of you but for your child as well. Take care and best wishes.

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 27, 2021

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For many years I was in love with my best friend who I thought wasn’t interested in me. I did not pursue her when I should have because I cared for our friendship. After I got married I was never really happy nor could I forget her. I even told my wife about the girl I loved. She was okay about it because we both felt it was one sided. Recently I discovered that she loved me all these years but both of us never had the courage to take it further. When we got together, we realized how much we missed each other all these years. Neither of us are happy in our marriage and this news has really disturbed me. I feel emotionally and physically distanced from my wife and I feel guilty about it because she is not at fault. I have a son and I am not in a position to abandon him or my wife. But I am not able to sleep or stop thinking about starting a perfect life with her. I have a stable career but now I am not able to focus on anything. Anu mam, please guide me how to find a solution for both of us.
Ans: Dear B, Catch -22 situation indeed here.

Let’s draw out the perspectives here.

Both of you are married and when you had the chance, you didn’t tell each other.

Now, you have discovered that ‘missed out’ moment and want to make up for it now when families have grown.

How would you advise a friend, if he came to you with this situation?

Would you ask him to leave his family and move in with his lady love? Would you ask him to forget his familial responsibilities and search for love outside?

Again, it is not for me to give you solutions but to lead you to a place where you can find the solution yourself.

So, now that you friend has moved in with his lady love, will he forget his family?

His son for who he will always be a role model? Also, what will he tell his wife who had no role to play into the storm in her life?

The key is that there are 4 mature adults and I guess it’s time for you and the lady that you love to sit down and discuss what happens if you continue in your marriages or move away.

Discuss with your respective spouses as well, as they need to be party to this so that their thoughts and feelings are taken into consideration.

After all, they came into your lives, to become life partners. Whatever the decision, always bear in mind, if you continue in your marriage, do it with full heart as you need to rebuild it and if you move away, your son and his state of mind must be cared for, so make sure you create a wonderful environment for them and care for their needs always.

Also, ask yourself this: What will I lose if I move away from my marriage? What is it that I truly love in my wife?

Life is filled with temptations and sometimes we want some change, some spark…it’s possible in the existing relationship only if you choose to look at it that way. Ultimately, the decision is yours, but there’s a lot to consider and reconsider.

Go deep into a reflective mode and choose.

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Anu

Anu Krishna  |823 Answers  |Ask -

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

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I'M 40 years old man, i have had troubled childhood. I faced abuse from my elder brother who later on developed mental health issues whiich broughg lot of stress to the family. I worked very hard to achieve reasonable professional success but my personal life has been very difficult. I got married with lot of difficulty despite being well placed professionally and decent looks. It was an arranged marriage but things went bad after a year. I caught my wife having an affair with her ex but i fogave her for the sake of myndaugher who was just 1 year old then. She keept on having flings with gym instructor and later on her colleagues which i dont have any proof of. She would humilate me in front of my maid driver and other people. But i wanted ti save my marriage for the sake of my daughter who was only 4-5 years old then. Finally she started asking me for divorce after every trivial fights. Fed up i finally agreed and we separated in 2021 November. During that time i came in contact with my school friend. She proposed to me during our school days but due to stress at home and other issues i said no but i always liked her. When we started talking around December 2021 and we realized we still love each other after 20 years. But problem was though i was divorced she was still married and she is from a different religion. She is trying hard to get separated from her husband but her family being very conservative is not allowing her to do so. I'm stuck with her emotionally. Now my ex-wife has started approaching me for reconciliation. Im totally confused now what should i do? Should i wait for my friend knowing that chances are very slim that her family would leave her. Or should i patch up with my exwife for the sake of my daughter. I dont feel any emotional connection with my exwife now as she was never nice to me. But my parents are telling me to go for patch up. They are nkt aware about my school friend and i doubt they would approve her due to religious beliefs. Pls guide me I'm totally confused. Thanks A confused Homo Sapiens
Ans: Dear Pratik,
At this point in time, choose neither. You need space to clear your head first.
Too many emotional situations to jump into one more...Give yourself time to figure out what is that you want out of life?
Do you want to get into another commitment in a short gap? It could be an attraction on a rebound as well; so take time to figure these things out well before you decide to patch up or wait for your friend.
You deserve this time off, to make sure that you not only heal from the marriage but also put things in perspective.
So no need to bring on a new confusion for the time being till you get strong enough in the mind to decide the next course of your life. Making a choice right now means you will be bringing in more confusions of either of the two women into your life as well. So, PAUSE and take this time...

Best wishes!
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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2023

Asked by Anonymous - Aug 07, 2023Hindi
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Hi. I am 41 year male married since last 15 years. I have a 8 year old daughter. My relationship with my wife isn't great as far as I am concerned. She was busy with her job and raising our daughter and while doing so could not focus much on our relationship. Our physical interaction almost stopped after our child birth and since last 5 years we never had intercourse. I engaged myself in casual relationship with few colleagues of mine and life was going on like that. But in 2021 , I engaged myself with another female colleague of mine and with her , I feel like what I have never ever felt with any other woman. I can't let her go. I long to meet her. I feel sad when she is away. And it's been 3 years. She loves me very much and I love her too. My wife got a wind of it and now she is trying hard to make up for the lost time and efforts. My wife loves me too. I don't want to separate from her because though she wasn't a great partner but she did manage our house and daughter diligently. Moreover, I don't want my daughter suffer too. She deserves both her parents. So, I discussed this with my wife and told her that , I believe we can't be a great couple but we can at least be good parents. Allow me to spend some time with my female colleague and let's continue as we have been doing since last decade. But she is not accepting this. And I can't let my colleague go. I do love her. She also loves me and is not inclined towards settling with me as she is married too and has 2 kids. Kindly suggest what to do.
Ans: Dear Anonymous,
There is some sort of trend of stepping out of marriage when physical needs are not met within the marriage. It's the easiest way out!
Why is it so hard to figure out what is happening when one of the partners in the marriage is not interested in intimacy?
Why doesn't the other partner try to understand, accept and work with the partner who is struggling through something?
And this goes for the husband and wife and partners within a relationship.

It isn't something written in stone that sex 'MUST' be a part of marriage BUT it certainly is a pillar to creating a stronger relationship. So, why assume and go searching for it? Then you will have all reasons to justify why you did it and how your partner is responsible for it.
Now, you are in a soup with two women vying for your time and attention. And with children involved, things only get complicated. Yes, your wife feels that it his her right to be in your life and your question is: where was she all these years? My question is: why did you stop trying all these years to put things together?

My suggestion: As much as you want to be in the other lady's life, she is clear that she does not want to settle with you. You are also clear that you don't want to separate from your wife but you want her to accept the other lady. Doesn't it seem highly impractical to you?

Before you end up hurting someone or yourself, do what's right for everyone and especially the children. They don't deserve a set of parents that is confused. Good people who come into our lives can end up becoming good friends as well.

All the best!
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Sushil

Sushil Sukhwani  |322 Answers  |Ask -

Study Abroad Expert - Answered on Apr 26, 2024

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Sir, my daughter is going to finish her BA with Psychology Honours from Indraprastha College for Women, Delhi University. She has received an offer to pursue her MSC in Organizational Psychology from University of Manchester, UK. We would like to know more about the future prospects of this course and the employability. Also, we would like to know how different it is from an MBA in Human Resources?
Ans: Hello Rohit,

To begin with, thank you for contacting us. I am glad to hear that your daughter is going to complete her Bachelor of Arts (BA) with Psychology Honours and has received an offer to pursue her Master of Science (MSc) in Organizational Psychology from the University of Manchester in the UK. To answer your question first, I would like to tell you that your daughter will be offered a solid basis in understanding human behavior in the workplace as well as real-world abilities in fields viz., talent management, employee evaluation, and organizational development through pursuing a Master of Science in Organizational Psychology from the University of Manchester. Students pursuing this degree are provided with the information and skills required to tackle different difficulties that organizations encounter, viz., leadership effectiveness, employee motivation, and team dynamics.

Concerning your query regarding the future prospects and employability, I would like to tell you that with businesses recognizing the significance of comprehending and maximizing their manpower, the demand for organizational psychology continues to rise. You would be glad to know that your daughter can choose from many different jobs including talent management, training and development, human resources, organizational consulting, and other positions with this degree. Remember that organizational pyschologists are respected for their ability to use psychological principles to enhance productivity in the workplace, employee satisfaction, and efficiency of the organization.

Next, coming to your query as to how this course is different from an MBA in Human Resources, I would like to let you know that an MSc in Organizational Psychology in comparison to an MBA in Human Resources generally places a greater emphasis on the psychological facets of the behavior and growth of organizations. Although topics associated with managing people within organizations is also covered in an MBA in Human Resources, it frequently adopts a more comprehensive corporate viewpoint encompassing fields viz., strategy, marketing, and finance.

I would like to tell you that your daughter's interests and professional objectives play a key role in deciding between an MSc in Organizational Psychology and an MBA in Human Resources. An MSc in Organizational Psychology would be a better choice if your daughter is interested in studying human behavior in the workplace and wishes to gain expertise in fields viz., leadership development, employee well-being, and organizational culture. On the contrary, if your daughter wants to acquire a deeper understanding of business management with a concentration on Human Resources (HR), and aspires to work in more general management positions within organizations, then an MBA in Human Resources may be an appropriate choice.

Remember that both paths can result in lucrative employment prospects. When making an informed choice, I would suggest that your daughter carefully takes into account her strengths, personal interests, and future professional objectives. Moreover, in order to acquire valuable information pertaining to the prospects following the completion of either degree, I would recommend that your daughter conducts a comprehensive study on particular labor markets as well as gets in touch with experts of both the domains.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |322 Answers  |Ask -

Study Abroad Expert - Answered on Apr 26, 2024

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Dear Sushil, My daughter is 23 years old , finished her MBA from KIMS and got a job in Kirloskar Pune as a HR BP ( Management Trainee)in Jan 2024. Her results were good throughout. Topped 12 from Aditya, BSc Botany from Lady Brabourne kolkata ( 1st class first). Sir, we can't manage funds for going to abroad. Kindly guide us about her next step so that her career escalates. Sanchita
Ans: Hello Sanchita. Thank you for connecting with us. Congratulations to your daughter on her academic achievements and securing a position as an HR business partner (management trainee) at Kirloskar Pune. It is evident that she has a strong academic background, leading to promising career prospects ahead. It is understandable that there are financial constraints at the moment. Furthermore, let me tell you that there are educational loans that would be available for your daughter’s education abroad. Given your daughter’s excellent academic background, she can be eligible for scholarships and financial aid, either fully or partially. This would help your daughter manage her finances well abroad.There are some universities that come with financial aid packages like grants, loans, and work opportunities. This is specially designed to cover tuition fees, living expenses, etc. In addition to this, there are work opportunities as well, which would also be a good option for your daughter. By carefully planning and prioritising expenses, financial challenges won’t be an issue.

All the best to your daughter in her future endeavours.

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

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

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Sir my age is 25 and I am earning 29000 per month.i am in govt sector.i am investing 20000 per month in sip in the following funds Motilal Oswal midcap fund 3000 HDFC s&p sensex index fund 4000 Motilal Oswal Nasdaq ETF 3000 Axis small cap fund 2000 Nippon India small cap fund 2000 ICICI prudential nifty 50 ETF 2000 US S&P 500 SPDR ETF 4000 And lastly 1000 in bitcoin but that I don't count because it's very risky and I may lose my money in bitcoin so I consider 20000 as my sip amount instead of 21000....sir kindly check my sip distribution if needed any changes..I will stay invested in market for 20 years and I want my wealth to grow so that I can retire at 45.. kindly provide me your valuable suggestions
Ans: Your commitment to investing at such a young age is commendable and lays a strong foundation for your future financial security. Let's review your SIP distribution to ensure it aligns with your goal of retiring at 45 and maximizing wealth growth over 20 years.

Your current SIP allocation demonstrates a diversified approach, spanning various sectors and geographies. However, given your long investment horizon and goal of wealth accumulation, it's essential to consider a few aspects:

Risk Tolerance: While your portfolio includes both domestic and international equity exposure, it's important to assess your risk tolerance. Small-cap and mid-cap funds tend to be more volatile but offer higher growth potential over the long term. Ensure you're comfortable with the level of risk associated with these investments.
Asset Allocation: Evaluate your asset allocation to ensure it reflects your risk appetite and investment goals. Consider allocating a portion of your portfolio to more stable assets like large-cap funds or debt instruments to balance risk and potential returns.
Review Periodically: As your financial circumstances and market conditions evolve, periodically review your SIP distribution to ensure it remains aligned with your goals. Rebalancing your portfolio may be necessary to maintain diversification and optimize returns.
Emergency Fund: Building an emergency fund equivalent to 3-6 months' worth of expenses is crucial to mitigate financial risks and ensure stability during unforeseen circumstances.
Regarding your Bitcoin investment, it's advisable to exercise caution due to its speculative nature and lack of proven track record. Cryptocurrencies are inherently risky and have not stood the test of time like traditional investment options. Consider focusing on more established and less volatile investment avenues for long-term wealth accumulation.
As a Certified Financial Planner, I advise you to consult with a financial advisor who can provide personalized guidance tailored to your specific financial situation and goals. Together, we can refine your investment strategy to optimize growth and set you on the path to achieving your retirement objectives.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
I am 53 years old. I have fd of 20 lakh, pf of 15 lakhs, ppf of 15 lakhs, stock of 55 lakh, mf of 50 lakh. I invest in 5 lakh yearly in a ulip scheme, 3 lakh yearly in lic pension fund and do sip of 35000 across different mf. Am i retirement ready? I am a single person. I have no dependents. After retirement i will need sbout 80000 pm and will need 7 lakh per year for travelling.please advise
Ans: Given your diversified investment portfolio and diligent savings habits, you're certainly on the right track towards a comfortable retirement. However, let's delve deeper into your financial landscape to assess your readiness.

Your FDs, PF, PPF, stocks, and mutual funds collectively form a robust foundation for retirement. Your annual contributions to ULIP and LIC pension fund further bolster your retirement corpus. However, to ensure your desired lifestyle post-retirement, it's crucial to evaluate if your current investments align with your retirement income needs.

Considering your annual expenses post-retirement, including living expenses and travel aspirations, it's prudent to analyze if your existing investments can generate sufficient income. Additionally, factoring in inflation and potential healthcare expenses is paramount.

As a single individual with no dependents, your retirement planning focuses solely on your own needs and aspirations. While your investment portfolio appears substantial, a detailed retirement income projection would provide clarity on whether it adequately meets your desired lifestyle post-retirement.

As a Certified Financial Planner, I recommend conducting a comprehensive retirement planning analysis to ensure your financial goals are met with confidence and peace of mind. Together, let's fine-tune your retirement strategy to ensure a fulfilling and financially secure future.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.
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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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