I have 100 Shares of Kalyan Jewellers @ 77.51. Should I hold or sell?

Ans: Dear Erich,
Why are you getting in the middle of two grown-ups? Their relationship dynamic is theirs to take care of and if you interfere, it will invariably become a struggle for you as it will invariably become a game where you will want to see their relationship in a particular way.
If things have been okay for 26 years between them, what's with the open communication? Let them decide if and when they want it...

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

Ans: Dear Anonymous,
And by being fair, there's some great advantage that they all have, is it?
I know that it has been pretty unfair on you that you are not 'fair' and the obsession that some families have over skin color is pretty sickening.
Now, this part of your life is under your control. Either ruin it by bringing the past and 'color' it bad or make it 'colorful' by actually challenging what had happened to you. And how do you do that? By actually not reacting to the past labels; they were in your past. If you accept the way you look and flaunt it, then all these comparisons do not matter. But if you keep replaying the saem music from your past, this is going to continue and make it only worse.
So, accept yourself and every time you feel bad, make sure you tell yourself that your past does not define how your present is...again like any mindset change, this will take time to take effect BUT keep powering on...
Only you can be your best friend and hero, that's it...

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

Ans: Hello Ronold.
Yes! Studying Psychology is a good career option and the demand is increasing day by day due to the problems created by excessive internet surfing, excessive use of social media platforms, and many more problems. Pursuing Psychology will be a great choice for your daughter if she is interested in it. Mental health awareness is increasing globally, leading to more opportunities in counseling, therapy, and organizational roles. Companies, schools, and hospitals increasingly value psychologists for their insights into behavior and mental well-being. Psychology involves understanding human behavior, data analysis (statistics), and ethical decision-making. She should genuinely enjoy subjects like understanding emotions, motivations, and cognitive processes.
If she remains dedicated, Psychology can open doors to fulfilling, diverse, and meaningful careers. Let her explore her interests through readings, internships, and career counseling to make the most informed decision.
Best of luck to your daughter for her bright future.

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If dissatisfied with the reply, please ask again without hesitation.
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Radheshyam

Ans: Dear Anonymous,
You seem to have married someone who refuses to leave her 'toddler' days behind.
She's stuck in a childish zone where she relents and gives in and patches up only when gifted something; reminds you of a toddler?
You have to break this loop that she has created perhaps without her knowledge. Healthy couples sort their differences by communicating, debating and coming to some sort of understanding. So, do not go down the path of whether she loves you or not but be aware that she is used to having her way through the loop.
It's going to start with you; the next time you face the same situation...what are you going to do differently that your wife does not act like a child? How are you going to bring it to a place where the two of you can discuss things rather than have her throw a childish tantrum like she is now?
Move in that direction from the pointers that I have given you and there's bound to be some change; but not overnight...it's going to take some time, so be patient!

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

Ans: Hi!!
Congratulations on getting a new portfolio!
You have identified that you need to improve your communication skills, that’s the first step. I like the fact that you are preparing yourself for the task on hand, you’ll go very far in life.
Now to improve your communication skills..( I do not know the stage you are in , so suggesting the general aspects of communication)
1. you need to speak in a clear voice with enough loudness to suit the situation
2. make the right amount of eye contact to showcase your confidence
3. Use non verbal cues to convey your thoughts effectively
4. use appropriate language to convey the message in a precise and concise manner. Do not beat around the bush, hold ppl’s attention when you speak
5. Be polite and respectful to create a positive interaction

Communication skills is a vast area which cannot be conveyed in a few minutes.It can be acquired by learning it from an expert. It is a far deeper science and learning it will help you in both personal and professional life.
You can learn it from me too!! My students have learnt it from me and are doing great both personally and professionally!
Communication skills can be learnt like any other skills.

All the best !!

Ans: There is no limits for giving gifts to relatives. Further, it is advisable to execute gift deed before giving gift.

Ans: Hello dear.
Pl ask your question in a follow-up i.e. related to the previous reply. We can't remember what was your original question. and when it was asked. Sorry for the inconvinienace caused to you. Pl ask again in the follow-up section.

Ans: You have a clear income and debt structure. A pension of Rs. 58,000, rental income of Rs. 75,000, and a lump sum of Rs. 56 lakhs provide robust cash inflow. On the other side, you have two significant loans—a housing loan of Rs. 40 lakhs and a gold loan of Rs. 15 lakhs. Your monthly EMI of Rs. 61,500, including insurance, impacts your cash flow.

The decision to clear loans or invest requires analyzing multiple angles. Let's evaluate step by step.

Evaluating Loan Repayment
1. Interest Rates Analysis

Housing loans usually have lower interest rates, especially for retired government employees.
Gold loans generally carry higher interest rates than housing loans.
2. Tax Benefits

Housing loans provide tax deductions under Section 80C and 24(b).
Repaying the housing loan entirely removes this tax advantage.
3. Financial Comfort

Continuing EMIs ensures liquidity for other goals.
Clearing loans offers peace of mind and reduces financial obligations.
Investing the Lump Sum
1. Diversification for Safety and Growth

Divide the Rs. 56 lakhs into debt and equity investments.
Debt investments ensure safety and regular income.
Equity investments can provide long-term growth potential.
2. Focus on Debt-Free Retirement

Allocate funds to secure essential expenses post-retirement.
Retaining liquidity helps manage unforeseen expenses.
3. Tax-Effective Planning

Tax-efficient investments can optimize post-tax returns.
Consider long-term capital gains taxation for equity mutual funds.
Calculating Cash Flow Balance
1. Income vs. Expenses

Post-retirement income: Rs. 1.33 lakhs (pension + rent).
EMI obligation: Rs. 61,500.
Net disposable income: Rs. 71,500 (excluding insurance).
2. Post-Loans Scenario

Clearing loans reduces your outflows.
A debt-free position increases monthly savings.
Suggested Action Plan
Step 1: Addressing High-Interest Loan
Clear the gold loan as it has higher interest rates.
Reducing this burden improves monthly cash flow.
Step 2: Partial Housing Loan Repayment
Consider a partial prepayment of the housing loan.
This will reduce EMIs and interest outgo.
Step 3: Allocate Remaining Funds to Investments
Create a balanced portfolio with equity and debt investments.
Ensure it aligns with your risk appetite and goals.
Step 4: Emergency Fund Creation
Keep 6–12 months’ expenses as an emergency fund.
Park this amount in a liquid or ultra-short-term debt fund.
Step 5: Insurance and Legacy Planning
Review your insurance coverage for adequacy.
Plan for wealth transfer to ensure family financial security.
Benefits of Investing Through Regular Funds with a Certified Financial Planner
Regular funds provide guided expertise for financial goals.
Certified Financial Planners ensure disciplined investment strategies.
They monitor your portfolio and make necessary adjustments.
Direct funds lack personalized advice, leading to uninformed decisions.

Insights on Index Funds
Index funds mimic market indices but lack active management.
They cannot outperform markets during corrections.
Actively managed funds adapt to market trends for better returns.
Final Insights
Combining debt repayment with smart investments creates financial stability. Clearing the gold loan reduces high-interest liabilities. Partly repaying the housing loan offers balance between liquidity and debt reduction. Investing the remaining lump sum ensures future growth and income stability.

Collaborating with a Certified Financial Planner ensures tailored financial strategies. Their expertise aligns your financial decisions with long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hair loss problem can be due to many underlying issues like genetic, life style problems, nutrition and disease.
It is best that you see an hair specialist like a plastic surgeon or a trichologist and get correct advice.