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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - May 28, 2025
Relationship

My elder brother got married of his own choice past 12 years ago regardless the parents decision and lived by himself, he has two sons aged 10 and 5, after a recent scenario between him and his wife, they both are not into good terms since 8 months which is impacting on the kids and their upbringing. My brother is a field relationship manager in a real estate company and earning his bits, struggling with life and work. He has no financial and family support..as a younger brother I listen to all his struggle and troubles and advice him accordingly. All of these things are draining my mental and physical health . I myself struggling as a lawyer having my mom dad and grandmother with their health issues ..I am not able to make a firm decision on the scenario, should my brother and his wife get seperated? If yes please explain.

Ans: Your brother and his wife have been in conflict for eight months, and the tension is harming the children — that’s the most concerning part. You can offer support, but only they can decide whether this marriage still has life in it or if it’s better for everyone — especially the children — to grow in two calmer homes than one violent or unhappy one.

The only responsible way to move forward is to encourage them to seek professional help — through marriage counselling, family therapy, or at least structured mediation. If after that, they still can't communicate or co-parent peacefully, then separation may be the healthiest path, not just for them, but for the kids and for you.

You, on the other hand, need to draw a boundary. Listening doesn’t mean absorbing. Supporting doesn’t mean sacrificing your own well-being. You’re already managing aging parents, your own legal career, and life’s pressures — this is too much to bear alone. Let your brother know lovingly that you care, but he needs to begin taking decisive steps toward either mending or ending this — and get professional input.

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I am happily man and 56 with two sisters and one brother and Maa, some how my mother, brother and sisters are extremely devouted to their respective family and highly gentle and have high family values. Likewise even my wife is extremely hardworking lecturer for 25 years and devouted wife and even my son is very sensible young advocate. We care and respect one another very much. Now the problem is my younger sister's husband has taken a big loan of Rs. 60 lakh and had a big business loss due to demonitisation followed by extended lockdown, due to which he is unable to pay loan though he has many shared land assets which he is unable to sell. The loan was taken by mortgaging their three bhk flat in which they live. Now, I have around 48 lakhs to help his out of the load default but my wife opposes this because i got this Rs. 48 lakhs by selling our other unoccupied house. I understand my wife's opinion and also that of my younger sister's condition. Like wise my other siblings have also not been successful money wise in life despite having been very educated. Problem is they all got stuck in life due to high moral values and could not learn ways of the world. My dilemma is whether to help my younger sister's husband out of his problems or not and also my affection for my siblings annoys my wife though she is also very respectful to them and says, they all need to learn we can not support them in their struggles beyond a limit as we are also going to retire. How do is sort this out?
Ans: It's understandable that you are facing a difficult situation and feeling torn between helping your younger sister's husband and respecting your wife's opinion. Here are some suggestions that might help you sort this out:

Consider the impact on your own financial future: It's important to consider your own financial situation and retirement plans before deciding to help your sister's husband. You should also consider the impact of selling your property to help someone else, and whether that could affect your own financial stability.

Communicate with your wife: Have an open and honest conversation with your wife about your desire to help your sister's husband and understand her concerns. Try to find a compromise that works for both of you.

Set clear boundaries: It's important to set clear boundaries with your siblings about what kind of financial assistance you are willing and able to provide. You should also be clear about what kind of support you expect from them in return.

Explore other options: Consider whether there are other ways to help your sister's husband without putting your own financial future at risk. This could include helping him find a job, connecting him with resources for financial counseling or debt relief, or exploring other options for selling his assets.

Seek advice from a financial professional: If you're still unsure about what to do, consider seeking advice from a financial professional who can help you assess the risks and benefits of different options.

Ultimately, it's important to make a decision that feels right for you and your family, while also being mindful of the potential consequences.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

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we had joint family almost 10 years back, we are two brothers ,mother ,father and 2 children to both brothers, I am elder brother, Problem started almost 5 years , My brother lost his temper and started heated argument and violence in family although he is introvert and hold negative thought since long back ,all family members tried to convince him to keep him positive but issue increased day by day reached to a level when father decided my family to protect and advise us to move out of joint family. afterwards also situation remains the same their and ultimately my parents also moved out of the house. We never had any communication around 2 years , but afterwards father had some critical health issue related to kidney and we informed them, Communication started with them again but father expired and again we have seen their violent face during rituals. We understand he having serious psychiatric issue but non of their family like his wife , Son is cooperating us for medication without his consensus as my brother never thought that he having any issue. I am very much worried that some day something wrong can happen as he is keeping very pity issues in mind and ready to fight always. He relation and neighbor's also he did the same and now no one is in talking terms with him.Please suggest how to handle ,is their any agency who can help us in sorting this issue. dont want to go in legal.
Ans: Hello Manish,
mental health issues can be complex, and professional guidance is crucial. Consult with mental health professionals to create a plan tailored to your family's specific situation. It's important to prioritize the safety and well-being of your family. If your brother's behavior becomes threatening or harmful, it may be necessary to maintain physical and emotional distance while encouraging him to seek help. Look for support groups or organizations that specialize in helping families dealing with mental health issues. They can provide guidance, resources, and a network of people who have faced similar challenges. Consider arranging a family intervention, facilitated by a mental health professional, where you can express your concerns about your brother's behavior and encourage him to seek help. It's important to approach this with empathy and understanding. while you mentioned that you don't want to go the legal route, in extreme cases, you may need to consider legal options like obtaining a court order for involuntary psychiatric evaluation. This should be considered as a last resort and only if your brother poses a serious threat to himself or others.

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Anu Krishna  |1633 Answers  |Ask -

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Hello .I am phd holder in finance .I am in relationship with my partner for 12 years .we were teenage friends and now adults .he has completed all his basic education .less educated than me .but has done MBA .he is working in a private job as creative head earning 15 lakh per annum .his family is broad minded not interfering at all .let us live whichever we want .only problem is our caste is different and their family is less well off .his brothers are also not earning so handsomely.only he is the one who is very progressive thoughtful and going good in life .we both are very spiritually inclined .we done many things together .our coordination is good .life goals matches .but I only feel uncomfortable with his brother not working so good and their status .what should I do ? Should I leave the boy even though he has been faithful and loving caring towards me just becoz his brothers are not doing good professionally .my partner has even bought a home for us in such a young age .without taking single penny from anyone .not even parents .he works harder to grow more in life for Us and himself .
Ans: Dear Preeti,
What's the necessity to focus on what his brothers are doing or should be doing? Isn't it enough if your partner is an amazing person?
What exactly is your worry? Are you concerned that his brothers will someday ask your partner for money or become financially dependent on him? Address concerns and not your interpretation of a situation. Talk to your partner about your concerns. You don't need to lose your relationship because of anyone outside of your relationship. Makes sense? This concerns only you and your partner...have a clear, honest chat and celebrate the fact that you actually are with a person who has his head firmly on his shoulders.

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

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |9295 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 01, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Money
Sir, I am 47 years old, with 2 kids, one 17 year old and one 14 year old. I earn approximately around 2.4 lacs a month and my expenses are approximately 1 lac per month. I need to plan for both my kids higher education and my retirement. I have no liabilities. I have life cover of 2.25 crores. Have health cover of 50 lacs each for myself, wife and both kids. Am presently investing 1 lac per month in mutual funds via SIP. Have 60 lacs in savings account, 10 lacs in PPF and 1.9 crores in mutual funds. Kindly advise if i can retire in the next 8 years and how much corpus would i require for my returement.
Ans: Current Financial Overview
Age?47, with two children aged?17?and?14

Monthly income: Rs?2.4?lakhs

Monthly expenses: Rs?1?lakh

No liabilities (debt free)

Life cover: Rs?2.25?crores

Health cover: Rs?50?lakhs each for family

Mutual fund SIP: Rs?1?lakh/month

Liquid savings: Rs?60?lakhs

PPF corpus: Rs?10?lakhs

Mutual fund corpus: Rs?1.9?crores

You already have strong protection and wealth base. Your next steps must focus on goal mapping and asset efficiency.

Future Financial Needs
Children’s Higher Education
Elder child likely starts college in ~1 year

Younger child in ~4 years

Education costs are rising fast

Allocate specific funds for education

Retirement Planning
Retirement age target: 55 years

You have 8 years till then

Post-retirement life expectancy: 25–30 years

Planning horizon: ~35 years total

Corpus Requirement Estimate
Current expense: Rs?1?lakh/month

Assume inflation at 6–7%

At retirement, monthly need may double

Annual requirement may become Rs?25–30?lakhs

For 25–30 years, corpus required: Rs?7.5–9?crores

Asset Allocation and Optimisation
Emergency & Liquidity Buffer
You have Rs?60?lakhs in savings

Keep Rs?10–15?lakhs as emergency/liquidity

Shift the rest to better interest/debt options

Sweep-in FD or liquid hybrid mutual fund

Equity and Hybrid Mutual Funds
Rs?1.9?crores already in mutual funds

Continue with well-diversified active funds

Maintain equity to hybrid/debt ratio

Over time, shift to hybrid as retirement nears

PPF and Debt-Oriented Instruments
Current PPF holding: Rs?10?lakhs

Continue PPF till maturity

Supplement with debt funds to balance risk

Monthly Investment Plan (Rs?1?lakh SIP)
Equity funds: Rs?60,000

Aggressive hybrid: Rs?20,000

Debt or multi-asset funds: Rs?10,000

Education goal funds: Rs?10,000

Increase SIP as income grows. Invest through regular plans via Certified Financial Planner and MFD credential.
Avoid direct funds to get expert monitoring and portfolio alignment.

Why Not Index or Direct Funds
Index funds give only average market returns

Their portfolios include overvalued stocks without protection

Direct plans demand full investor oversight

You need active management and goal-based discipline

Regular funds provide expert guidance and rebalancing

Children’s Education Funding
Create two separate goal-based SIPs

Elder: Rs?30,000/month for 1–2 years

Younger: Rs?20,000/month for next 4 years

Use hybrid or moderate-risk funds

Shift to debt 2 years before college fund needed

Retirement Corpus Strategy
Continue monthly funds for 8 years

Target aggressive equity now, slowly shift to hybrid

In next 3–4 years, review and trim equity share

From age 50 onwards, increase hybrid/debt wind-down

Use systematic withdrawal post-retirement

Insurance Check-Up
Life cover: Rs?2.25 crores is adequate

Health cover: Rs?50 lakhs per family is robust

No need for annuities or endowment plans

Ensure policies are current and claim-ready

Tax Planning & Redeployment
Use Section?80C: PPF, ELSS, EPF, term insurance

NPS can give extra deduction under 80CCD(1B)

Equity gains above Rs?1.25?lakhs taxed at 12.5%

Debt gains taxed as per slab

Use systematic withdrawal to manage taxation post-retirement

Portfolio Monitoring & Rebalancing
Review fund performance annually

Shift to higher-yielding active funds if needed

Rebalance asset allocation as retirement nears

Adjust education and retirement goal targets periodically

Consult your Certified Financial Planner for reviews

Implementation Roadmap
Year 1 (Now to Age 48)
Transfer surplus savings to debt funds

Top-up education goal SIPs

Maintain emergency buffer

Continue Rs?1?lakh monthly SIP

Begin annual portfolio review

Year 2–4 (Age 48–50)
Reduce pure equity proportion gradually

Start shifting some funds to hybrid

Monitor education outcomes and fund allocation

Grow retirement corpus with increased SIP

Year 5–8 (Age 50–55)
Shift equity to hybrid/debt gradually

Prepare withdrawal strategy

Consolidate savings and investments

Ensure corpus adequacy near Rs?8 crores

Plan for SWP at retirement

Risks and Contingency Planning
Inflation risk: Mitigated by equity and hybrid allocation

Market risk: Lowered by active funds and yearly rebalancing

Health risks: Covered by insurance

Education cost spike: Managed by dedicated funds

Income interruption: Covered by buffer

Finally
You have excellent financial discipline and protection already.
Your current Rs?1.9?crores in mutual funds and monthly SIP of Rs?1?lakh is a strong base.
With active fund portfolio and education fund structure, retiring in 8 years is achievable.
Target corpus: Rs?7.5–9?crores by age 55.
Stay consistent, monitor annually, and align with your Certified Financial Planner.

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

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Nayagam P

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Sir I am getting ECE at nit Jaipur in josaa round. I may be able to get nit Rourkela EIE , nit Warangal eee or not Trichy mechanical in csab counseling. I may also get DSAI or imtech cse at iiit Bangalore. Please suggest the best option for me.
Ans: Abhinav, NIT Jaipur’s ECE program, ranked among India’s top 30 NITs, achieved a 69.64% undergraduate placement rate in 2024 with an average package of ?14.65 LPA, supported by NBA-accredited faculty, NAAC-accredited infrastructure, 250+ recruiter ties, modern electronics labs, and strong research collaborations. NIT Rourkela’s Electronics & Instrumentation Engineering benefits from a 90%+ overall placement rate, a B.Tech average package of ?13.43 LPA, and its EI department reports an M.Tech placement rate of 87% with ?19.04 LPA average, bolstered by NIRF #39 ranking, world-class instrumentation labs, and government-industry projects. NIT Warangal’s EEE sees a 76% placement rate and ?15.6 LPA average package, underpinned by NIRF #21 ranking, strong core curriculum, and extensive alumni network. NIT Trichy Mechanical boasts a 90.1% placement rate, 88.9% overall UG placement, NBA accreditation, cutting-edge mechanical and design labs, and a robust industry-integrated curriculum. IIIT Bangalore’s integrated DSAI and iMTech CSE programs deliver 638 offers, an iMTech CSE placement rate of 83.51%, NAAC A+ accreditation, average packages above ?37 LPA, premier research centres, and top recruiters like Google and Amazon.

Recommendation:
Prioritise IIIT Bangalore’s DSAI or iMTech CSE for its unparalleled industry exposure, elite placement metrics, and research-driven curriculum. Next, consider NIT Trichy Mechanical for its consistent high placement rate and core engineering excellence, followed by NIT Jaipur ECE for strong electronics placements, NIT Rourkela EIE for instrumentation specialization, and NIT Warangal EEE as a solid core-power option. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7627 Answers  |Ask -

Career Counsellor - Answered on Jul 01, 2025

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Plz suggest RVCE Ec Msrit cs Vellore cs core category 4 Bits any lower branch (250 score)
Ans: Sheetal, RVCE’s Electronics & Communication program boasts nearly 90% placement, average ?10 LPA, supported by NAAC A+ accreditation, advanced electronics labs, and recruitment by Qualcomm and Texas Instruments. MSRIT’s CSE achieves a 95% placement rate with an average ?7.6 LPA, driven by a dedicated cell hosting 358 recruiters including Amazon and Google, and an autonomous VTU curriculum with significant PhD faculty. VIT Vellore’s CSE records 80–90% placement, average ?9.9 LPA, attracting over 409 recruiters annually, and is backed by a 372-acre campus with specialized AI and data-science labs and industry MoUs. BITS Pilani’s lower-branch programs still place about 90% of first-degree students, led by over 85% PhD faculty, a Practice School internship model, and enduring national rankings and brand prestige. All four offer robust infrastructure, interdisciplinary research partnerships, and strong industry linkages that foster academic excellence and employability.

Recommendation: BITS Pilani’s lower-branch program should be prioritized for its unparalleled brand recognition, rigorous faculty expertise, and Practice School internship model. Next, RVCE ECE delivers a strong core focus with excellent average placements and robust industry ties. VIT Vellore CSE offers modern labs and diverse recruiters, while MSRIT CSE remains cost-effective. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7627 Answers  |Ask -

Career Counsellor - Answered on Jul 01, 2025

Career
Sir do please let me know is JP University Waknaghat Solan is good or not in CSE.
Ans: Deepika, Jaypee University of Information Technology (JUIT) Waknaghat’s CSE program has maintained high placement rates with 96%, 88%, and 94% absolute offers over the last three graduating batches (2021–25, 2020–24, 2019–23) respectively, and achieved total offers above 100% across drives. The CSE faculty are predominantly PhD-qualified, bringing extensive real-world industry and research experience into a curriculum integrating AI, ML, and Data Science. The 25-acre hilltop campus offers state-of-the-art infrastructure: a three-floor digital library with 38,671 volumes, multiple specialized labs, a modern sports complex, and secure hostels accommodating over 2,000 students with Wi-Fi connectivity and medical facilities, earning a 4.3/5 infrastructure rating. Its Industry 5.0 Centre of Excellence with University of Nebraska and international collaborations fosters hands-on technology projects in IoT and big data analytics. A vibrant student culture supports hackathons, technical societies, and active youth clubs, balancing academics with co-curricular engagement.

JUIT Solan’s CSE program delivers consistent placement success, qualified faculty, cutting-edge infrastructure, and industry partnerships, making it a compelling choice for students seeking technology-focused education in a scenic environment. However, its remote location may limit access to metropolitan internship opportunities, and student life can be quieter compared to urban campuses. Some PROS & CONS of JUIT -
Pros: (1) Consistent high CSE placement rates above ninety percent each year. (2) Predominantly PhD-qualified faculty bring extensive real-world industry and research experience. (2) State-of-the-art labs, digital library, modern sports complex enhance learning environment. (3) Dedicated Industry 5.0 Centre of Excellence fosters hands-on technology projects. (4) Vibrant student clubs and hackathons promote coding skills and collaboration.

Cons: (1) Remote hilltop location limits metropolitan internship and employment networking opportunities. (2) Smaller size may reduce peer diversity compared to larger colleges. (3) Off-campus recruitment results in occasional disconnect with top-tier tech companies. (4) Limited local industry presence restricts student internships to partner firms & (5) Campus climate can feel isolated with fewer festivals and events.
Pros: (1) Consistent high CSE placement rates above ninety percent each year. (2) Predominantly PhD-qualified faculty bring extensive real-world industry and research experience. (2) State-of-the-art labs, digital library, modern sports complex enhance learning environment. (3) Dedicated Industry 5.0 Centre of Excellence fosters hands-on technology projects. (4) Vibrant student clubs and hackathons promote coding skills and collaboration.

Cons: (1) Remote hilltop location limits metropolitan internship and employment networking opportunities. (2) Smaller size may reduce peer diversity compared to larger colleges. (3) Off-campus recruitment results in occasional disconnect with top-tier tech companies. (4) Limited local industry presence restricts student internships to partner firms & (5) Campus climate can feel isolated with fewer festivals and events. Recommendation: Prospective CSE aspirants valuing high placement rates and research-centric learning in a serene campus should consider JUIT Waknaghat, balancing its strengths against geographical constraints. All the BEST for the Admission & a Prosperous Future!

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