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Anu

Anu Krishna  |802 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 27, 2023

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
Rajani Question by Rajani on May 27, 2023Hindi
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Relationship

Why does my senior colleague who is separated from his wife give me expensive gifts? I respect him for his knowledge and thats about it. He is 50 plus. And my age is 32. This is in spite of the fact that i am happily married for and have a 8 year old son. He wants to call me every month and talk. He also wants to meet me in person. I have explained to him that i am committed to my husband. Why does he do this? How do i handle this situation?

Ans: Dear Rajani,
He is possibly lonely and wants female company and attention. Gifts are a way to entice a woman to take notice and subtly tell her that he is interested in her and her company.

The reason that you have put this into this forum is already confirming that you are comfortable with the way this colleague has been continuously approaching you. It's within your power to stop it, by simply saying so. Agreed, it's a senior colleague and a lot might be riding on it professionally, but you don't need to be silent about something that you do not want and are uncomfortable with.

If you meet him in person, that will be a sign for him that you are also interested. Kindly refuse this; meet him at the office cafeteria or a place where everyone knows him and politely convey your thoughts on this. The boundaries have to be conveyed clearly. And if he does not understand this, a firm NO, do involve your husband. That presence is not because you are weak but it will help your colleague understand that he needs to back off.

All the best!

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Anu

Anu Krishna  |802 Answers  |Ask -

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

Relationship
Hi, I'm someone. Sorry for taking your time please read this and help me I really need someone to guide me in my life right now. Sorry for this long mail. I would be really glad if you take time and read this. I am 23 years old, a married girl. I got married to my husband on December 10 2021 last year. It was an arranged marriage. Our family met along with us in 2019 and fixed our marriage. At first I didn't wanted to marry because it was too early and I was just pursuing my bachelor's degree but my family didn't listen to me as I was the elder one so they wanted me to get married before they got old. I agreed and slowly started developing a fondness and liking towards my fiance and later fell in love with him. But after our marriage things started to feel a bit weird. He has too many female friends which I'm absolutely fine with. I'm not that conservative. They all were invited in our wedding and I met them. they seem nice people but one of his friends is bothering. Let’s call her Y. My husband keeps talking to her on calls and messages all the time and the conversations are absolutely boring like they don't have anything to talk but still they keep up the conversation. I used to think it's fine or maybe I'm being too possessive but when I got to know that he spent 12 lakh on her I was shocked. He also spends money on her on a daily basis. He books an Uber for her daily. Whenever she needs anything he will immediately say I will bring it for you. Y is also married her husband is fine with it because he also takes money from my husband. In fact her whole family takes money. They're financially not very strong so I understand this thing of helping someone. What I don't understand is why does my husband have to talk to her all the time? Even when I'm sitting right in front of him he would ignore me.Apart from Y, there is one more person he treats the same way, his ex. A few days after our marriage I checked his phone (I know it's wrong but my instinct let me do to so cause of his behaviour) and I found some messages from 2019 between my husband and his ex. The conversations clearly proved that they were in a relationship and broke up in 2019. When I asked him indirectly as I didn't want him to know that I checked his phone he said that the (ex) is his sister. He lied! And I found that they are still friends which I understand. I'm fine with that. But I cannot be fine with them talking on a daily basis and my husband fulfilling all her wishes just like the first girl Y. He even took a screenshot her picture (ex) and saved it when she uploaded it on her WhatsApp status a few days after our marriage. When I asked him why are you keeping her picture, he denied and said oh aise hi, I guess by mistake So I ignored that. But he calls and sends gifts to her. He even takes me along with him to buy presents for her so that I don't think that it's wrong. I always ask him why are you talking to your ex and Y all the time; you don't even spend time with me. Because of this there are lots of fights happening between us. He said he has work load and is frustrated with his life, dealing with depression, so to avoid those feelings he talks with his friends. I understood and allowed him to talk but he spends Rs 8,000-9,000 every month on them. He once said that he has to give them money so that they won't stop talking with him; that's how friendship works including Rs 5,000 flight ticket and taking loan worth Rs 12-13 lakh for them. I am a fool in love so I got easily manipulated and allowed him but not completely. I set a limit for him to not over spend more than Rs 5000 per month on them. My family and friends are constantly suggesting that I leave him as he doesn't care about my feelings that I have given him way too many chances. Whenever I try to confront him for meeting up with them or spending too much money on them he immediately starts caring for me the next day. Because of this I always get confused that maybe he loves me too and I'm just being a possessive wife. I told him I will divorce you if you keep treating me like this and keep talking to your girls day and night. He said I shouldn’t talk like that and doesn't want me to divorce him as he loves me and he wouldn't have chosen me in the first place if he liked them.Whenever I try to confront him about the girls, he says I think you have a boyfriend and you are cheating on me. Give me your phone I will check your phone. I heard call recordings of him and Y. He records the conversations he has with the girls. When I asked he said he does it so that those girls or anyone won't blame him in future that he said something wrong. Anyway, I heard my husband saying bad things about me to Y in one of those recordings after being frustrated with me as I fought with him because of them. I was really broken. He said I don't give him space which is not true and he wants to go alone to places like markets or KFC or wherever he wants but I'm not letting him do that. At the same time he asked Y if she wants to join him and meet up at a certain place. I don't understand him. If there isn't anything wrong then why is he talking with her day and night and not being bored and with me he rarely spends time and wants space. His parents are fed up with him they told me he has been like this always. They support me and want him to get away from those girls. They married me to him so that he would leave those girls and stop spending such big amounts of money on them. But he doesn't want to get away from them. He said that if by chance one day those girls stopped talking to him for some reason then he will definitely leave them. But they never stop. I don't understand why is he waiting for them to stop and why doesn't HE wants to stop. Depression? Maybe I don't know. I even told him let's meet up with a therapist but he refused and said he's fine and I'm being dramatic. He talks to them at work and at home.If he doesn't talk to them for a day he will get mad. I remember one time he was panicked and kept saying I want to talk to Y. It's not like they are blackmailing and stuff; they don't even want to talk with him. He is the one who keeps calling them; it's very weird. He is fighting with his family, fighting with me, just for them. He manipulates me a lot. He has lied to me several times about not meeting with Y. Please advice what I should do. My friends say I should divorce him as my mental health is deteriorating because of him. I love him a lot but he doesn't care. He says he loves me but I don't find honesty in those words as he keeps repeating the things that bother me and our relation.
Ans:

Dear Anonymous,

What exactly are you waiting for me to say? Haven’t you seen enough red flags in your marriage?

  • Your in-laws telling you that he has always been like this
  • Your husband playing the victim of Depression to gain your sympathy vote and then refusing to see a therapist
  • Spending money to earn the validation and attention of two women who are possibly using him
  • Spending valuable time away from you to indulge his feelings elsewhere
  • Complaining about you to a person outside of marriage
  • Invalidating your feelings arising from this situation and making you like the bad one for complaining

Do you want me to go on?

How much more do you want to give in?

If you truly want this marriage to work, he needs to turn himself into a new leaf, which means he needs to address his insecurities, his behavior and more.

Is he willing to go through all that?

Maybe have an honest sit-down talk with him and then decide keeping yourself at the centre of all this.

You matter and matter to yourself every moment, so DO SOMETHING about it.

You owe a lot of happiness to yourself, so get ahead NOW.

All the best!

(more)
Anu

Anu Krishna  |802 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 16, 2023

Asked by Anonymous - Jul 08, 2023Hindi
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Hi Anu, I'm 53 years and have been married for the past 27 years. I have a 25 year daughter. I am well educated (MBA) and my husband has just barely passed his BA. My husband used to be very short tempered and shout at me for every other thing since the beginning of our marriage. Also he used to do the same to our daughter. He also has a thing for women other than me/daughter...He loves staring at servants especially when they bend down, or while travelling in a train he likes watching girls/ladies climbing on the upper berth, or peeping into an autorickshaw to check out the lady inside. He also loves helping out ladies, (like their saviour) and will go to any extent even late at night to help them out (like carrying a sick colleague to the doctor, or finding a PG for a female person). He has even gone on tour with his lady colleague and called her home for office work when I and my daughter were at our native. Also he has given rides to female colleagues on the back of his scooter. He loves chatting up receptionists (be it at the doctor's or any other office) and joking with them. He is also obsessive with the personal problems of his brothers/their wives and their kids...giving them far more importance over and above us. Especially since the past 2 years when he lost his job due to corona pandemic, he has time now and will call them day in and day out trying to solve their problems and has also prayed ceaselessly for them, asked various astrologers for parihara for their problems etc. He is not at all worried about his own family facing a breakdown and no income. He is trying to start a cool-drink business with his partner but that is getting delayed because of the rainy season. I had visited a psychiatrist many years ago and he said I shouldn't take it so personally since this happens all the time where men and women interact in office and we can't prevent it. But I believe he is excessive in his interest in the opp sex, and he also treats me in a demeaning/derogatory manner...like trying to dominate over me and suppress me through the tone of his voice and shouting and trying to be one up. I have borne all this for 27 years for my daughter's sake and now that she is independent, I would like to separate from him for my own mental and physical health. My nature is mild and I do not like confrontations so I just end up crying. I am also not strong emotionally. I am already on anxiety and BP medication, and also get palpitations when I get upset. Please advise me Anu, on should I proceed with this separation. Marital counselling is ruled out since he will never attend it thinking that he is all perfect and I am the one having problems. My daughter is coming next week and she will support me fully in whatever decision I take. Thank you so much for your time and patience.
Ans: Dear Anonymous,
I can only imagine your state of mind with what you are going through.
It may sound very heartless as I suggest this; but it's time you gave him an ULTIMATUM. Either he mends his ways OR have a meaningful relationship towards you and the family.
Ultimatums usually force a person to a spot and make them think...there are various reasons why he must be seeking all this validation from women outside but let's not get into it as your question to me is clear; whether to separate or not!
Like all clients that I work with, this is a decision that I tell them is theirs and theirs alone. And to reach a decision either way, is what I handhold which is what I am about to tell you here.

Indications that a relationship has become stale and unworthy and unhealthy:
1. Your health has begun to suffer
2. You obsess more over how to keep sanity in the relationship rather than focus on anything else
3. Fights/arguments are the only talking point between the two of you
4. Both your goals within a marriage have grown widely different
5. What each of you want is bigger than what you want for each other

These should tell you that you are in a very unhealthy relationship. Of course, the best way is to reconcile all these differences and rebuild trust and love; but only if both the partners are willing. The question is: Do you want to rebuild this marriage and does your husband want that as well? The ultimatum given to him; will he yield to it? This will tell you exactly what to do. Once you know, discuss with your daughter and take a firm decision and stick by it.

All the best and always know: We are stronger than we think we are!
(more)
Ravi

Ravi Mittal  |169 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 17, 2023

Asked by Anonymous - Oct 17, 2023Hindi
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I am married working women .supportive hubby & my lovely children complete my family . I have been feeling intense infatuation with one of my married collegue.he used to help me a lot in office related issues. He used to complement me a lot for very normal things in front of others, not for looks but my working & way oc handling things. I was uneasy about that initially but started enjoying the attention later. But I dont know when I started liking him & Always wanted to be around ...He is younger to me and I am fully aware that nothing can happen between us. Than one day He bypassed me and for his own fault at work , he manipulated things and asked a favor for me from our team leader showing he is helping me...While in same situation when he was wrong I once sorted things on my own and did not make conplaint to team leader. Now i am feeling cheated and while working I have to see him everyday. What to do? How to remain and look normal. I feel weak in front of him and I dont want to keep any relation with him. But I still feel good & comfortable when he is around. its so weird.
Ans: Dear Anonymous,

I'm sorry to hear that you're going through this difficult situation. It's not uncommon for people who have been married for a long time to feel this way. It mostly happens because the marriage is now part of your routine while your colleague seems like a breath of fresh air. But as you yourself mentioned, it is nothing but mere infatuation.

Do not beat yourself up for it. It will pass as all infatuations do. I suggest establishing some boundaries so that, even unintentionally, you do not cross them. Maintain a professional demeanor. But most importantly, take some time to reflect on what is missing from your marriage that led you to develop feelings for someone else. A loving and healthy marriage would keep you emotionally fulfilled enough to never look for happiness outside of it. Lastly, remind yourself why you fell in love with your husband and remember that love and commitment are not based on a mere choice; it is a conscious decision you make every day.

Best Wishes!
(more)
Kanchan

Kanchan Rai  |159 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2023

Asked by Anonymous - Nov 04, 2023Hindi
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Hi! I want to declutter my mind . Please help me. I am a working married women. One of married collegue in office started appreciating me and i took notice of him. Initially I felt it awkward but later I started enjoying the attention. It went in and I started feeling good. I started to give more time to myself to look good. Then that person is very handsome, and uses slangs that are not appropriate in office. I overlooked everything as he became my favorite. I even overlooked his mistakes. He started coming late , going early also. He helped me in my office work a lot. I felt very comfortable in his company. He was like work spouse for me. He became a habit for me. Than one day there came a situation, one should take responsibility for the wrong decision in office.it was his call and he could have avoided it being reported to my seniors as I helped him previously for same situation but he reported. I still had feelings for him. Now I felt bad. But it was ok. Than one or two times he accidentally touched me , It was not acceptable to me as if I am being taken for granted.i even don't know if it was intentional ... Some other junior also tried to outsmart me. Than I went to my senior and asked the solution for smooth Functioning in office and asked office to sensitize employees for appropriate behaviour. Now that person has for whom I still have crush , took it personally and stopped talking to me properly. Where was I wrong , also I took this step as reminder of sexual harrasment to avoid any further advancement of touching and all . The problem is I still like him and it's a void I am feeling and I feel I miss that happy vibe in office. Things are not normal. I am stressed ...I know I did nothing wrong. How to calm myself and stop longing for him when I see him everyday. I feel like I should talk to him to behave normally but can not do that. What should I do. I am ok when I don't see him but I feel bad when he is talking with others normally . he used to be coordinating with me for all office things but now he does not do that.he does with other. He used to wish me on festival.he stopped doing that too. I really feel bad. Please help me with my thought process.
Ans: It seems like you've been through a challenging situation at work, and it's completely normal to have mixed feelings and experience stress in such circumstances. It's important to address your feelings and find a way to navigate this situation in a healthy manner. Here are some steps you can consider:

Reflect on the situation: Take some time to reflect on your feelings and the events that have transpired. Consider why you started to enjoy the attention and what it meant to you. Understand that it's natural to develop feelings for someone when you spend a lot of time together.
Maintain professional boundaries: It's crucial to maintain professional boundaries at the workplace. While it's okay to have friendly relationships with colleagues, it's important not to cross the line into unprofessional behavior. Recognize the importance of professionalism and how it can impact your work environment.
Focus on self-improvement: Instead of seeking validation or attention from your coworker, channel your energy into self-improvement. Continue taking care of yourself and striving for personal and professional growth.
Seek support: Talk to a trusted friend or family member about your feelings and concerns. They can provide emotional support and an outside perspective on the situation. Venting to someone you trust can help relieve some of your stress.
Speak to a manager or HR: It's commendable that you took the step to approach your senior about the need for sensitivity in the workplace. Continue to communicate your concerns about inappropriate behavior, whether it's from your coworker or anyone else in the office, to your HR department or a higher-up. They should be able to address these issues appropriately.
Accept that people change: It's possible that your coworker's behavior changed after you raised the issue with your senior. People's actions can be influenced by various factors, and it's essential to accept that he might have his reasons for acting differently.
Create a support network: Build strong relationships with other colleagues who share your values and provide a positive work environment. This can help reduce the impact of missing the interactions with your previous work spouse.
Manage your expectations: Understand that things might not go back to the way they were before. Colleagues change, and your coworker may have chosen to distance himself for personal or professional reasons.
Focus on your well-being: Prioritize self-care, both physically and mentally. Engage in activities that make you happy and help reduce stress. A healthy work-life balance can greatly improve your overall mood and well-being.
Seek professional help if necessary: If your stress and emotional struggles persist, consider talking to a therapist or counselor who can provide guidance and support for your emotional well-being.
Remember, it's important to prioritize your mental and emotional health. It may take time to adjust to the changes in your workplace dynamics, but with the right approach and support, you can find a way to navigate this situation and move forward positively.
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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 2024

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hi sir : my son doing job since two year monthly earning is 60 K. but his saving is nil. pl. advice where to invest
Ans: It's great that your son has started earning, and it's essential to guide him on saving and investing for the future. Here's a step-by-step investment plan tailored for him:

Emergency Fund: Start by building an emergency fund equivalent to 3-6 months of expenses. This fund should be easily accessible, like a savings account or a liquid fund.
Debt Repayment: If he has any high-interest debts like credit card bills or personal loans, it's wise to clear those first to avoid paying hefty interest.
Investment Options:
Equity Mutual Funds: For long-term wealth creation, he can start SIPs in diversified equity funds. A mix of large-cap, mid-cap, and multi-cap funds can provide growth.
PPF (Public Provident Fund): A tax-efficient and safe option for long-term savings with a lock-in period of 15 years.
NPS (National Pension System): A retirement-focused investment with tax benefits, offering a mix of equity, corporate bonds, and government securities.
Term Insurance: Since he's working, consider getting a term insurance plan to ensure financial security for his dependents.
Health Insurance: A comprehensive health insurance plan to cover medical emergencies can provide financial security and tax benefits.
Budgeting and Savings: Encourage him to create a monthly budget to track expenses and identify areas to save. Automating investments through SIPs can also help in disciplined saving.
Financial Education: Educate him about the importance of financial planning, saving, and investing. Encourage him to read books or attend workshops on personal finance.
Starting early with disciplined saving and investing can help him build a substantial corpus over time. Encourage him to consult a financial advisor for personalized guidance tailored to his financial goals and risk tolerance.
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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 2024

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Hi Anil, I am 43 years old. I have a monthly sip of 35k going on. I have started investing in mutual fund and sip from year 2013. Total mutual fund plus sip current market value is 1 core 9 lakhs . I plan to invest 35 k per month more for 7 to 8 years , when i want to leave job and do something else. Can you tell me what will be my corpus in 7 to 8 years down the line taking both current valution plus what i am going to continue investing?Also, i have another 1 corore total in other investment like Voluntary provident fund, Epf, ppf and esops from my company and pension fund . Here i do a monthly investment of around 80 k via mostly through company for tax savings. So what will be my total corpus after 7 to 8 yrs. Also, is it good for retirement considering my current monthly expense us 1 lakh.
Ans: To estimate your corpus after 7 to 8 years, let's assume an average annual return on your mutual fund SIPs at 10-12% and a similar return on your other investments.

For Mutual Funds:

Future Value of Current Investments: Using the future value formula, considering an average return of 10-12%, your current 1.09 crore can grow to approximately 2.2 - 2.5 crores in 7-8 years.
Future Value of Additional SIPs: Investing 35k per month for 7-8 years, at an average return of 10-12%, you could accumulate around 50 - 60 lakhs from SIPs alone.
For Other Investments:

Future Value of Current Investments: Assuming an average annual return of 10-12%, your current 1 crore can grow to approximately 2 - 2.4 crores.
Future Value of Additional Investments: With 80k monthly investments for 7-8 years, at an average return of 10-12%, you could accumulate around 1.5 - 1.8 crores.
Total Corpus After 7-8 Years: Combining both, your total corpus could range from 5.2 - 6.2 crores.

Retirement Planning:
Considering your monthly expense is 1 lakh, with a corpus of 5.2 - 6.2 crores, you can generate approximately 40-50k per month (assuming a 7-8% withdrawal rate) post-retirement. This should be sufficient considering your current expenses, but inflation and unforeseen expenses should also be considered.

It's advisable to consult a financial advisor for a detailed plan tailored to your needs, considering inflation, tax implications, and other factors.
(more)
Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 2024

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Hello, I want to invest 10 lac INR for a long term investment. I need suggestion on the following, i understand to invest in the form of SIP. But want to get a suggestion on where should I invest this 10-20 lac first and then invest as an SIP over 1-2 years or even 3 years as per your suggestion. As currently lying in Savings account which doesnt yield more. Secondly I would need a help on good portfolio of funds for long term (10 years or above) for my retirement/younger child's education.
Ans: For long-term investments of 10-20 lakhs, you can consider the following approach:

Initial Lump Sum Investment:

Liquid Funds: Park a portion in liquid funds to earn better returns than a savings account while maintaining liquidity.
Short-term Debt Funds: Allocate to short-term debt funds for stability and moderate returns.
Long-Term SIP Portfolio:

Diversified Equity Funds: Invest in a mix of large-cap, mid-cap, and multi-cap equity funds through SIPs for growth potential.
Balanced Funds: Opt for balanced funds or aggressive hybrid funds for a blend of equity and debt, suitable for long-term wealth creation.
Child Education: Start a separate SIP in a child education-focused fund to ensure funds are available when needed.
Sample Portfolio for Long Term:

Large Cap Equity Fund: 30%
Mid Cap Equity Fund: 20%
Multi Cap Equity Fund: 25%
Balanced/Aggressive Hybrid Fund: 15%
Child Education Fund: 10%
Adjust the allocation based on your risk tolerance and financial goals. Regularly review and rebalance the portfolio to maintain desired asset allocation. Consulting a financial advisor can help create a personalized investment plan tailored to your needs and goals.
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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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