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Kanchan

Kanchan Rai  |423 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 13, 2024

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 - Nov 09, 2024
Relationship

Hi, I am 28. Recently I was searching for some documents in my younger sister phone (she is 22) and I did not intended to, but I noticed she chat with a guy which was very sexual. My mind is very disturbed from the very moment. I thought of discussing this with Maa but I don't want to involve in this as this could make her uncomfortable. Am I overthinking or is this something common that we can find in girls of this age? I am also worried that she should not do anything which could bring a disgrace to our family. How can I resolve this?

Ans: Since you came across this unintentionally, it's important to respect her privacy. Bringing it up with her or with your mother might feel invasive and could harm the trust between you two. Instead, you could look for ways to be a supportive, non-judgmental presence in her life. Building open communication without mentioning what you saw could allow her to feel safe coming to you with her thoughts or concerns in the future.

If you're worried she might be making risky choices, you could have a casual, open-hearted conversation about relationships in general without focusing on her specifically. You might share your own experiences or insights, subtly encouraging her to make choices that align with her values and self-respect. This way, she feels your support and care without feeling judged or intruded upon.

It’s normal to be concerned about family reputation, but the healthiest approach here might be to empower her to make wise decisions herself rather than monitoring her behavior.

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Relationships Expert, Mind Coach - Answered on Oct 17, 2023

Asked by Anonymous - Oct 14, 2023Hindi
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Relationship
Hi Anu, I am a father of recently turned 13 daughter. We had the most amazing relationship. She was my pet and I would go to any extent to meet her demands. She is not good in studies as compared to my elder son. Still we never pressurised her. Suddenly her school called us to inform that she was on social media and have had an affair..she also kissed the boy. We are shocked ..while we expect hormonal changes and attraction at this stage but kissing and bragging about it is something which is bothering us. We had a call chat with her she admitted everything but had no guilt or shyness. She is known to drop tear but during the conversation she was adamantly confident and giving us examples of othe girls. My wife has been caching her since two years on how things are and how girls should be careful but seems she is just nodding and still doing same thing. I am not only shocked but also concerned that she might repeat it again as she neither felt or said sorry about it but also was completely apologetic ..what should we do?
Ans: Dear Anonymous,
'Call chat'?
Why not an 'in-person' chat? Is she away in a hostel or boarding school? If YES, kindly drop everything and be with her.
Surely, she's seeking attention from the other gender like any other teen at this age but what alarms me is the fact that she is callous in her attitude towards the entire episode. Defending her stance only means that she is in unwanted company and is justifying her behaviour as 'fitting in with peers'.
Handle this with butter fingers; give some-take some...yelling and complaining and trying to make her feel guilty is only going to make her repeat her behaviour so that she proves you right...
Spend quality time with her filling it with love, attention and support which is what she is perhaps seeking outside. This can be helped by seeking a professional who has experience handling adolescent behavioural challenges. Surely, this is her way of fitting in and experimenting but something that is also filling in an inadequacy. I cannot be sure of this, but just sharing from my experience of handling adolescents. So, first drop everything and be with her. Give her even more love that will tell her that her parents will be with her no matter what! Yeah, long lectures don't work at that age...SIGH...
This actually makes them question their choices and get back on the right path...And please do seek the help of a professional at the earliest...

All the best!

..Read more

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Janak

Janak Patel  |8 Answers  |Ask -

MF, PF Expert - Answered on Dec 04, 2024

Asked by Anonymous - Nov 30, 2024Hindi
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Money
Hi, i am 52years old, wanted to retire early, following are my investments, MF - INR 65L, Equity - INR 22L, 3 houses, one is self-occupied, other 2 houses valued at INR 90 L and INR 32L respectively, i have home loan outstanding of INR 12L, FD of INR 36L , PF INR 32L, monthly expenses requirement is INR 1 L, kindly help me to plan my early retirement. Thank you in advance for your reply on my question.
Ans: Hi,

As there are many things to consider for an early retirement, one of the first is to start thinking about it in a more realistic manner. An early retirement is not necessarily stop working life, but think of it as a more comfortable schedule that provides you opportunities to relax and pursue your passion and interests and live life on your own terms. You may or may not undertake an activity which can be monetized, meaning which provides you some sort of income - not necessarily to cover your living expenses in whole/part. So do give it some thought of how you intend to keep yourself occupied once you retire from your "current schedule". Will you generate any source of income or will you incur/require more expense.

At current age of 52, an early retirement even if we consider at 55 years of age, it a still a long life ahead. I will make a lot of assumptions in my response as these are not known from your query - such as life expectancy of another 30 years, average return of 8% on all investments for future etc. Are the 2 real estate properties earning any kind of rent that can be considered as income.
There are too many variables that go into the calculations for retirement which are specific to each individual and their circle of life.

Generic solution - You have a currently accumulated investments valued at INR 2.65 Cr (all investments less loan).

Current monthly expenses is INR 1 Lac, over which inflation needs to be applied each year (depends on lifestyle and composition of items of expenses).

So if your cumulative investments appreciate at average 8% annually, and your monthly expense increases at 6% annual inflation, your current accumulated investments are just about enough to manage expenses for next 30yrs (excluding tax implications - refer below).

Points to consider -
1. Inflation in real world is more than 6% (depends on the individual)
2. Liquidation of investments e.g. Real estate attract expenses/fees and tax on capital gains as it will be lumpsum
3. PF post retirement will earn interest only for 3 years, so you need to plan to re-invest the amount
4. Interest income on FD attracts tax at slab rate
5. Withdrawal of amount for monthly expense from your investments will attract tax on capital gains (MF and Equity)

I strongly recommend you connect with a Certified Financial Planner for personalized guidance and prepare a plan that will take into consideration your risk profile and overall investment management towards the retirement. Benefits will include a more tax efficient plan which will consider your requirements and ensure retirement goals are achieved and if there is a shortfall - what alternatives you need to consider.

Hope this is helpful and all the best for the future.

Regards
Janak Patel
Certified Financial Planner.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |174 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Dec 04, 2024

Career
Sir I am preparing for mbbs, but I'm not able to crack that. I'm a middle class student. Can I pursue mbbs in abroad under 8 lakhs in a best college for mbbs?After that can I able to be a doctor in India?
Ans: Hi Lagna,

It seems you haven’t provided the details clearly on this platform. If you could share more information, I’m sure you will receive helpful input.

Based on your message, I understand that you are considering pursuing a career in medicine. If you intend to enroll in a medical program either in India or abroad and plan to practice in India after completion, here are some important guidelines according to the National Medical Commission (NMC):

You must appear for the NEET exam, as it is a mandatory requirement for anyone wishing to pursue graduate medical education in India or elsewhere while intending to return and practice in India. According to the NMC eligibility criteria: “No student shall be eligible to pursue graduate medical education either in India or elsewhere (if they want to return and practice in India), except by scoring the minimum eligible score at the NEET UG exam. The UGMEB will announce the list of eligible students periodically.”

Therefore, I recommend preparing for the NEET exam and trying to secure admission in India itself. If you choose to pursue medical education abroad, you can still practice in India, but you will need to pass exit exams as well.

Regarding your question about pursuing MBBS abroad for under 8 lakhs, are you asking if this is per year or for the entire course? Studying abroad at that cost per year is possible. However, when you take into account the total expenses, which include course fees, accommodation, food, travel, visa, and other costs, it might be more feasible to complete your MBBS in India.

I hope this clarifies your queries!

...Read more

Patrick

Patrick Dsouza  |879 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on Dec 04, 2024

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Career
Hi Sir, I am 41 years old. I've 15 years of experience in Finance (FP&A) domain. In last 2.5 years I have changed 3 companies due to lay off, Cultural misfit and latest one due to Personal and family issue. I quit my last job in Sept'24 (from Apr;24 to Sept'24). Due to some family issues, Lay offs, Challenges faced on the job I am feeling very low. I don't have any confidence left as a result don't want to return to work out of fear and anxiety. However, I also want to upskill myself and thinking of pursuing US CMA. But I am in dilemna that with around 15 years of work experience would it open any gates for growth opportunities going forward. Another dilemna that I am constantly fighting is to whether think of making a switch from Finance domain to Learning & Development domain. I have good communication & interpersonal skills and have always had a liking towards L&D domain. Now myself on a Career break I am not sure how to proceed further - Whether to pursue my Career in Finance and look for jobs in Finance domain and then gradually look to switch to L&D domain or Look for the opportunities only in L&D domain. I have an emergency fund that can take care of my expenses for next 6-8 months. Looking forward to your guidance that can help me bounce back in my career as I am feeling lost, depressed and Lack of Confidence at present in life. Thanks.
Ans: Learning is a continuous process. So doing a course in Finance should not be a problem. As far as getting into LnD domain, start with being a faculty in one of the colleges or can start with taking private tuitions. See if it suits you. If it does, then you can decide to make the switch.

...Read more

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