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Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2025

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
test Question by test on Feb 06, 2025

I am 48 years old man, have always been in love with my younger brother(44 years) (cousin). He and I were best friends since childhood and I am too much in love with him. For last 23 years, we have parted (fought) and I have avoided him like anything. He knew all about my love (letters/stalking/begging/crying) and thats why he distanced himself from me. He came back after 23 years (only on whatsapp chat), and again i started crying and what not and emotionally totally unstable. My wife, kids and even i am surprised how bad it is within me. He wants me as a friend (not overly emotionally invested). How can I be a normal human being with him? Is it even possible? I hate being like this, how can i let go.... It's for so long what help do i need if any.

Ans: Dear test,
When you allow your emotions to self-destruct, that is exactly what will happen. You have been unable to accept that your path and your cousin's paths are different...you have gone on to build a family and then you have decided to break down all over again. How do you expect your family to understand all this?
What you call as LOVE; is it possibly an attachment for him? Dependence on him for attention, love, validation? You need to introspect and grow out of this OR settle this in a way that you can get back your peace of mind. At this moment with the information that you have shared, I can guide you only as much!

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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Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 20, 2024

Asked by Anonymous - Jul 29, 2024Hindi
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Hi I am turning fifty in the month of Aug.I hv 21 yrs daughter.Got divorced 2 years of my marriage.Met a man 4 years younger to me.Fell in love with him.Beacuse of his toxic , violent, drunkard behaviour though married with him but felt unsecured never went to live with him .He is very abusive and toxic in nature.Insults,me ,my daughter and my parents, Knowing this fact not got approval from my parents and daughter too.Finally he divorced me as well.But I always feel that he will come back,feels sorry for all the misbehabings done by him to me and sab theek ho jayega. Inspite of knowing all I love him very much. Don't know what to do. Kindly help. Can't think of life without him
Ans: Dear Anonymous,
Now as you turn 50, gift yourself a life that you deserve; one that you are in charge of. A life that you wish to lead without being dependent on anyone for your happiness.
For what great joy, do you want to entertain a man who you yourself describe as toxic and who has already divorced you? What kind of a life will you have with him that you know and you still say that you can't think of a life without him?
Is it because you have gotten so used to the insecurity around him that you are unwilling to see a secure life with anyone else or just yourself?
Kindly do yourself a favor and be with yourself; this will allow you to heal from your past relationships. The vacuum will now be filled with more meaningful things. Rather than bring him back and sab theek ho jaayega, you make things theek for yourself. Take charge and live peacefully without inviting your past back into your life. Instead, by taking charge you will be able to build your life the way that you need to and along the way someday you might meet someone who respects and values you. Can you build your life? Are you willing to take charge?

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

..Read more

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Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2024

Asked by Anonymous - Sep 20, 2024Hindi
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Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Career
Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.
Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

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