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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2024

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
Asked by Anonymous - May 20, 2024Hindi
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Relationship

I am 67 yrs.old female staying with my husband.We have 2sons younger one is having problems with his wife right from the beginning of their marriage.They have a one year old daughter too.My son blames us for his problems as it was arranged marriage and doesn't talk to any family members.Once their fights led to preparation for divorce but at that point both decided to stay together and tried for child .Now the child is one year old but they behave same.This causes so much distress to me .Pl.help

Ans: Dear Anonymous,
Arranged or Love marriage; the two people in the marriage are responsible for how and what they experience in it.
Kindly don't take the trouble of accepting the blame that very conveniently your son is transferring to you instead him taking charge of his marriage.
If it was the case that the marriage was going on wonderfully well, would he have applauded you for finding him a good bride? No, right? So, how is it that when things go downhill, he thinks he needs to pin the blame on you...
Kindly ignore; let him realize his duties as a responsible adult and a responsible partner and do the needful. Your job as a mother and mother-in-law is to support them through the process of them rebuilding their marriage.
And even in your conversations with them, if you hear him lashing at you, be absolutely silent on it (difficult but not impossible) and then ask: What is it that I can do to support the two of you?
It will give him the message that you area not going to take the blame and that you are passing the baton back to him to handle his marriage.
Every relationship issue must be dealt with by the people who are part of it as a stakeholder. The rest are support staff...

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

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 2022

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Hi Anu, I have been reading your articles for quite some time. I am 40 years old in a marriage for last 12 years. I have a 11.5 year old son.My marriage is going through a very rough phase. My husband doesn't leave any chance to abuse me, doesn't matter where and with whom we areMy husband proposed to me knowing I have Vitiligo (discoloration of skin). Plus I was not as rich as him. I did make him aware of this before going ahead. His family was against our marriage still he went ahead. From the day of marriage he suddenly changed, and started abusing me in and out. First I thought my mother-in-law is creating problems which she did every time we came together. Infront of every maid and in the absence of my husband she tried to humiliate me based on my skin condition and financial status. But she'd become caring in his presence.After five years of marriage, for a few years we were away from family. It was peaceful and we had a nice time. But during the lockdown and online school we were back with the same problem. Now the condition is that I cannot stay with my husband. My family is very supportive but suggest that before taking any step I should think of my child. And that we should both sit and talk.If I try talking to my husband I know it will end in a fight. Kindly suggest which way should I go?
Ans:

Dear KB,

Maybe someone from the family or his friends have commented on your condition and made him feel that he made the wrong choice.

Even if it’s that, when he knew and had no objection, what is a man’s word is that he keeps it no matter what!

Now that he has gone back on it, it’s natural for others to take advantage of it and mock you for what the society considers as ‘not beautiful’.

In a way, we are obsessed with some sort of standards for what’s beautiful and what’s not. Beauty standards, you might call it so!

He seems to be a different person with his family and without, it suggests that he may not have a very strong mind to back up the decision of marrying you in the first place possibly against the wishes of his family.

Abuse, at no point is justifiable and you need to take a strong stance and draw a boundary as this is going to continue.

Your family has made a wise suggestion and for the sake of the child, it might be worth the effort to sit down have that chat with your husband however hard that might be.

Do not compromise on the fact that this so-called beauty standards and labels within his family will continue. Be unapologetic about who you are and own your beauty your way.

This is non- negotiable and you need to state this clearly when you have that conversation with him. Period!

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 01, 2023

Asked by Anonymous - May 20, 2023Hindi
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Relationship
I'm 66 yrs old retired having two sons, both married according to their choice. My wife 60 going to retire in a couple of months. My elder son who is a Bank executive married since 10 years and issueless. The younger son working as an executive in KPMG married since 4 years and having a child. Due some misunderstanding with the their wives the sons are at times not in talking terms with us. My sons are also not in talking terms with each other. In the recent days the elder son directly instigated not to keep contact with the younger one because he did not like our closeness with him. We are put into dilemma and unable to convince both the children to reconcile the situation. Please advise.
Ans: I'm sorry to hear about the strained relationships between your sons and their wives, as well as the tension between your sons themselves. Here are some suggestions that may help:

Open and honest communication: Encourage open and honest communication between all family members. Try to create a safe and non-judgmental environment where everyone can express their thoughts, concerns, and feelings. Act as a mediator, actively listening to each party and facilitating productive discussions.

Family counseling: Consider seeking the help of a family counselor or therapist who specializes in resolving family conflicts. A professional can provide guidance and help navigate the complexities of the situation, facilitating healthier communication and promoting understanding among family members.

Individual conversations: Have one-on-one conversations with each of your sons to understand their perspectives and concerns. Encourage them to share their feelings openly and without interruption. This can help you gain insight into their individual experiences and provide a foundation for finding common ground.

Encourage empathy and understanding: Emphasize the importance of empathy and understanding in resolving conflicts. Help your sons and their spouses see things from each other's perspectives, fostering compassion and promoting reconciliation.

Promote shared experiences: Find opportunities for your sons and their families to spend time together in a neutral and relaxed environment. Encourage activities that promote bonding, such as family outings, celebrations, or vacations. Creating positive shared experiences can help rebuild connections and mend relationships.

Set boundaries: While it's important to encourage reconciliation, it's equally important to set and maintain healthy boundaries. Ensure that everyone understands the need for respect and mutual consideration, both within the family and between the spouses. Reinforce the importance of maintaining healthy relationships while respecting individual autonomy.

Lead by example: Show your sons and their spouses that you value and prioritize healthy relationships. Demonstrate positive communication, respect, and understanding in your own interactions with them and with your wife. Lead by example and encourage them to do the same.

Remember, resolving family conflicts takes time, effort, and understanding from all parties involved. It may be helpful to seek professional guidance from a family therapist who can provide tailored advice based on a deeper understanding of your family dynamics.

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Anu

Anu Krishna  |1757 Answers  |Ask -

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

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Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2025

Asked by Anonymous - Feb 26, 2025Hindi
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Relationship
My elder son is married for the last seven years. Every now and then they will quarrel and she will go to her parents place. Normally she used return after one or two weeks. About six months back she had a small quarrel with her husband and went to her parents' place. This time she has completely cut off from her husband. Her parents expressed their helpless in helping us. My son and his mother had gone four times to her house to bring her back. Out of frustration we sent a advocates notice. We and our son are not keen for divorce. Both of them are childless and are working. Kindly advise us what can be done?
Ans: Dear Anonymous,
Let it be a matter that is sorted by only your son and his wife. It's their marriage and let them take the responsibility of putting it back together. As parents, sometimes the concern that you show can actually backfire depending on what exactly is irking the couple and their marriage.
It is going to be difficult for you and your wife to become silent spectators but at times it is better than intervening. They are adults who know what a quarrel can do; so let them figure out what to do after a quarrel. Let your son learn how he can manage the situation after a quarrel where his wife is able to access her mature side and talk things through rather than packing and leaving. I am sure you understand where I am going with this!

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
Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 22, 2025Hindi
Money
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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