My wife aged 50 feeling her bladder is going to loose mostly in summer. Also done scanning in which no major blockage found just 2mm spots found. even then dr recomended surgery. My sister also done this Child bladder surgery 5 years back but she is suffering from lot of problems like over weight , calcium deficiency and hypertension and muscle weakness. In that case we have no sax from last 2 years. please suggest what can be done.

Ans: Dear Jagmeet,
Please DO NOT chase someone who does not value you or your love.
It is difficult to move on BUT once you know that this person that you are in a so-called relationship with does not feel the same about you like you feel about him, you know that it is possible to move on.
Work on loving yourself more and value what you are and eventually you will find the right person who cherishes you!

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

Ans: Dear Anonymous,
Stay out of this drama!
Your sister-in-law is doing her best to provoke you through her mother; why are you getting provoked? The minute you give into this drama, you will become a part of it and then it gets difficult to come out of it...Be wise and let it play...
The more you display that all this does not affect you, sooner than later, things will settle either to a neutral place where no one bothers anyone OR it will be in your favor. Be patient...BUT the decision to stay out of this without crashing egos is the hard part...will you be willing to do that?

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

Ans: Dear Anonymous,
It's unfortunate that you have waited this long to take note of how your relationship has been deteriorating. Also, has your wife been clinically diagnosed as having depression? If not, please don't assume as it will pose an issue while working on your marriage.
Seek the help of a marriage therapist who can guide the two of you back into rebuilding the marriage. Sleeping separately is a huge signal that she has cut off physically and emotionally from you and there could be numerous reasons along the way for it./ Don't delay seeing a professional and take this step not to get into a blame game situation but to actually work on your marriage. Make this humble attempt as it takes one rash move to end things.

But if you feel strongly that nothing is working, consult with a lawyer who specializes in separation

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

Ans: NISM is the best to learn.

Ans: would suggest police complaint along with complaint on SEBI Scores portal.

Ans: Hello PREM,

To begin with, thank you for contacting us. I am happy to hear that your daughter has pursued her Master of Arts in Applied Psychology and now wishes to pursue PhD overseas. To answer your question first, I would like to tell you that earning a PhD overseas can be considered employment, however, with a stipend instead of a pay. You would be happy to hear that a number of universities, particularly in Europe and the USA, provide stipends to PhD students in psychology in order to help pay for tuition fees and living costs. Nevertheless, based on the country, university, and particular program, these stipends may differ.

To apply for a PhD in psychology overseas, I would suggest that your daughter considers the following:
Firstly, your daughter will need to possess a solid educational background. This entails a strong undergraduate and postgraduate academic record, which I believe she already possesses with her MA in Applied Psychology. Next, bear in mind that candidates with prior research experience are preferred by a number of PhD programs. Your daughter’s 3 years of professional experience might entail pertinent research projects, which would be beneficial. To secure admission to their PhD programs, Graduate Record Examination (GRE) test scores may be required by certain universities, particularly in the USA. Nevertheless, not all the universities demand GRE scores for psychology programs, and thus, I would recommend that your daughter examines each institution's particular criteria. Next, your daughter may require to prove her fluency in English through appearing for tests viz., the IELTS or TOEFL, if English is not her primary language. Your daughter will need to submit a well-drafted statement of purpose (SOP) highlighting her research interests, professional objectives, and reasons for wanting to pursue a PhD in psychology overseas. She will also need to submit compelling recommendation letters from professors or managers who can speak to her academic capabilities and research potential. Remember that a research proposal highlighting her proposed PhD research field may be demanded by certain programs. Lastly, evidence of one’s ability to sustain oneself financially while enrolled in school may be require in some nations.

Taking into account variables viz., possibilities for research, the experience of the faculty members, and financial resources, I would recommend that your daughter conducts an all-round study on potential universities and programs. Not just that, in order to understand how her research interests best resonate with the program’s offerings, I would also suggest that she gets in touch with academics or advisors in her field of interest.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that you are planning for your son’s Master’s degree in the USA. As an answer to your query, I would like to tell you that having a bank loan approved for both tuition fees and living expenses can be advantageous at the time of applying for a student visa or during college admissions in the USA, nevertheless, you may still be required to provide proof of your financial standing.

Remember that visa officers and universities generally want to ascertain that students (and their families) have the money to meet their expenditures while studying.

Although a sanctioned bank loan demonstrates your financial stability, I would still recommend that you demonstrate extra financial resources if feasible. This could entail bank statements or other proof of sound financial standing in order to affirm to the authorities that you can fund any unexpected costs or gaps that may occur while your son is studying.

Bear in mind that the standards and levels of scrutiny could be slightly different for each institution and visa office, and thus, I would suggest that you thoroughly examine the precise guidelines offered by the university and consulate where your son intends to apply.

A sanctioned loan may be adequate in certain circumstances, nevertheless, I would always recommend that you have additional evidence to back up your financial status.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Starting early with investments is a smart move towards securing your retirement, but let's evaluate whether your current contributions will be sufficient for your retirement goals:
1. Early Start Advantage: Commendably, you've initiated investments at a young age, which offers a significant advantage due to the power of compounding. The longer your investments have time to grow, the greater the potential returns, making it easier to achieve your retirement goals.
2. Investment Analysis: The combination of investing 10k in Tata AIA Maxima Fortune Flex and 5k in Canara HSBC Mid Cap Fund demonstrates a balanced approach between insurance and mutual funds. However, it's essential to assess the adequacy of these investments in meeting your long-term retirement needs.


Tata AIA Fortune Maxima
Advantages:
• Whole Life Cover: Even with limited premium payments, you receive life insurance coverage for the entire policy term.
• Investment Choice: You can choose from 14 different fund options to align your investment with your risk tolerance.
• Loyalty Additions: The plan offers loyalty additions that boost your fund value over time.
• Top-up Option: If you have a lump sum available, you can invest it in the policy through a top-up premium option.
• SMART Investment Strategy: This strategy aims to safeguard your investment from market volatility.
• Riders for Enhanced Coverage: Riders can be attached to the base policy to increase your life cover for additional protection.
Disadvantages:
• Limited Liquidity: There's restricted access to your funds during the initial five years. You cannot withdraw or partially surrender the policy during this lock-in period.
• Reduced Premiums Invested: Policy charges are deducted from your premium before it's invested, meaning a lower amount is actually working for you in the market.
• No Loan Facility: Unlike some ULIPs, you cannot take a loan against your policy in case of emergencies.
• Delayed Benefits: You cannot access the policy's benefits until it matures, which is at age 100 or upon the policyholder's death. Beneficiaries would receive the death benefit in the latter case.
• High Charges: The review finds some charges, like mortality and switching charges, to be on the higher side compared to other ULIP plans. Even with an 8% return on investment, these charges could potentially outweigh the gains.
Verdict:
Tata AIA Fortune Maxima might not be the most suitable choice for investors seeking optimal returns. The high charges and lock-in period can significantly impact potential growth. For conservative investors who are uncomfortable with market fluctuations, it might be an option. Alternative strategies that may be more effective. These include combining a term insurance policy with investments in Public Provident Fund (PPF) or Equity Linked Savings Schemes (ELSS) to achieve better returns and potentially beat inflation.
I would like to emphasizes the importance of understanding the limitations and costs associated with ULIPs like Tata AIA Fortune Maxima before investing.

Insurance-cum-investment schemes
Insurance-cum-investment schemes (ULIPs, endowment plans) offer a one-stop solution for insurance and investment needs. However, they might not be the best choice for pure investment due to:
• Lower Potential Returns: Guaranteed returns are usually lower than what MFs can offer through market exposure.
• Higher Costs: Multiple fees in insurance plans (allocation charges, admin fees) can reduce returns compared to the expense ratio of MFs.
• Limited Flexibility: Lock-in periods restrict access to your money, whereas MFs provide more flexibility.
MFs, on the other hand, focus solely on investment and offer:
• Potentially Higher Returns: Investments in stocks and bonds can lead to higher growth compared to guaranteed returns.
• Lower Costs: Expense ratios in MFs are generally lower than the multiple fees in insurance plans.
• Greater Control: You have a wider range of investment options and control over asset allocation to suit your risk appetite.
Consider your goals!
• Need life insurance? Term Insurance plans might be suitable.
• Focus on growing wealth? MFs might be a better option due to their flexibility and return potential.


3. Retirement Age and Corpus: To determine whether your current contributions will suffice for retirement at 50 or 55, you'll need to calculate the desired corpus based on your retirement lifestyle, expenses, and expected inflation. Additionally, consider factors such as healthcare costs, inflation, and longevity risk.
4. Regular Review and Adjustment: Periodically review your investment portfolio and adjust your contributions as necessary to stay on track towards your retirement goals. Consider increasing your contributions over time as your income grows to accelerate wealth accumulation.
5. Diversification and Risk Management: While Tata AIA Maxima Fortune Flex offers insurance benefits, ensure you have a diversified portfolio across various asset classes to manage risk effectively. Consider exploring additional investment avenues such as equity mutual funds, debt instruments, and retirement-specific savings vehicles to enhance portfolio diversification.
6. Professional Guidance: Consulting with a Certified Financial Planner can provide valuable insights and personalized recommendations tailored to your specific financial situation and retirement objectives. A CFP can help you develop a comprehensive retirement plan and investment strategy aligned with your goals.
In conclusion, while your current contributions are a positive step towards retirement planning, it's essential to conduct a detailed analysis of your retirement needs and assess the adequacy of your investments. By staying proactive, seeking professional guidance, and adjusting your strategy as needed, you can work towards achieving a financially secure and fulfilling retirement.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: Dear Anonymous,
A different way of looking at the mess would mean:
- appreciating that your way of a family set-up and your wife's are way different
- understanding that things may go awry, but there is no need to strive for perfection within the marriage
- knowing that your spouse is different from you and celebrating those differences without finding a meaning in it

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

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

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

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