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Kanchan

Kanchan Rai  |403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 07, 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
srinivas Question by srinivas on Jan 07, 2024Hindi
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Relationship

Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she taking undue advantage from my son and feels untrustworthy....plz advice

Ans: Dear Srinivas,
While it's important to address the concerns within the family, it's also crucial to respect the individual choices and relationships of your adult son. Striking a balance between expressing concerns and allowing autonomy can be challenging but is essential for maintaining a healthy family dynamic Offer support to your son while guiding him about responsible financial decisions. Help him understand the potential consequences of being a guarantor and lending money Seek to understand the dynamics of your son's relationship with the girl. It's essential to know whether they have a stable and healthy relationship or if there are any red flags. Consider having a conversation with the girl to understand her intentions and reasons for involving your son in her financial matters.Keep the conversation respectful and non-confrontational to foster open communication Establish clear boundaries about financial involvement in relationships. Encourage your son to communicate with the family before making significant financial commitments.

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Anu

Anu Krishna  |1304 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 12, 2024

Asked by Anonymous - Jan 08, 2024Hindi
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Relationship
Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot have any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she is taking undue advantage from my son and feels untrustworthy....We have clarified to my son that in such a scenario you have to choose her or us leaving behind everything including the ancestral property. His girlfriend is not accepting him this and told him that she will accept him only if our family members accepts her. This has chaos in our calm and cool nature of our home as our son is throwing the tantrums everyday and disturbing the mental peace of every member of our family. Please advice us what can be done in this scenario as none of our family members are willing to accept her and also not wanting to part away my only son. Thanking you
Ans: Dear Anonymous,
Either your family sees her as someone who wants family approval and be happy with it OR you can doubt her as someone who has managed to cheat your son.
Which of it is true, only time will tell...Your son is blinded by love...how can you appeal to him? What can you say that will make him realize that he possibly can be cheated?
One way is to invite her to your home and ask her to come out clean about these money dealings and why your son chose to keep this information away from his family...If you are all convinced about her honesty, it will be easier to accept her into the family; otherwise there is a possibility that your son maybe able to see through her lies...
So, whether she is the right person for your son or not will be better known when you warmly invite her over and without any judgements give her a chance...making sense?

All the best!

..Read more

Ramalingam

Ramalingam Kalirajan  |7047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 19, 2024Hindi
Money
Hi, sorry it's a very long post My mother is 60year old homemaker(nil income) and father is 68yr old retired govt employee (recieving pension).we are 3 children [2 daughters ( all aged between 30-40yr)]to our parents.All of us are married and earning for our livelihood. We sisters are contributing to parents health insurance and other financial things since we started earning and even after marriage ( as my father is an alcoholic too not looking after the household well).Mother has a property in her name given to her by her father as a gift deed. Father had one house and a plot in his name and some ancestral property. Brother went to abroad for studies in 2018 and came back in 2020. He had a girlfriend since his college days( he married to her in 2022, never had objection from anyone of family members ). Since his arrival, he and his girlfriend started involving in all financial matters of my maternal house to the extent he was using my father's debit card for his own use( father says he has given card to brother willfully). Brother wanted to construct a commercial building in my mother's property. He and my father started threatening my mother to register her property ( actually located near Brother's girlfriend house) in name of brother saying if she doesn't agree ,they won't marry off my sister( who got married in 2022 in the presence of grandparents, mother and myself and both my father and brother didn't attend the marriage). They even extracted money from mother's account (which was given now and then to her by me and my sister).During all these process even brother's girlfriend ( wanted a source of income by renting my parents house)also started abusing my mother and involved in all financial matters ( that freedom was given to her by father and brother as my mother was suppressed and we sisters were not aware of things going on). Everything led to the abandonment of my mother who stayed in her friend's place then I brought her to my house. Now after 3 years ( during the course our wellwishers tried counselling and mediation between my father, brother and mother without sisters which didn't work out). my brother got my parents house( and a plot which was in my father's name) registered to his name as a gift deed from my father without informing mother. All the documents of the property gift deeded to my mother by her father is with my brother and father. They are threatening my mother if she enters her own property. Now my mother has no place and income though she had contributed extensively to upliftment of the family all over these years. She ran a grocery store for 15years during which one plot was bought and house was built in that. Another plot was bought after my parents marriage with the help of dowry money given to my father ) but all the properties were registered in my father's name. She has her contribution financially, emotionally and physically. Now doesn't my mother has right to ask back the house and the property given to my brother without her knowledge and to ask for maintenance from my father and also sue all three of them for mental and physical torture..? We sisters want her to lead a peaceful life in her final years of her life.. please guide us.
Ans: Evaluating Your Mother’s Rights

Your mother has been through a lot. Let's explore her legal and financial rights. She deserves to live peacefully in her final years.

Legal Rights Over Property

Your mother owns property gifted by her father. She has full rights over this property. The property can’t be taken without her consent. If your brother and father took documents, this is illegal.

Action Steps for Property

Retrieve Documents: Seek legal help to get back property documents.
Consult a Lawyer: Discuss the possibility of reclaiming the property.
File a Complaint: If threatened, your mother can file a police complaint.
Maintenance from Your Father

Your father has a duty to support your mother. She can claim maintenance from him. This can be done through legal channels.

Action Steps for Maintenance

Seek Legal Advice: A lawyer can help your mother file for maintenance.
Family Court: File a petition in family court for maintenance.
Right to Ancestral Property

Your mother contributed to the family. She can claim a share in ancestral property. The law supports her right to ancestral property.

Action Steps for Ancestral Property

Legal Consultation: Discuss the possibility of claiming ancestral property.
File a Suit: If needed, file a suit for partition of ancestral property.
Mental and Physical Torture

Your mother faced mental and physical torture. This is a serious issue. She can seek legal action against your brother, father, and sister-in-law.

Action Steps for Torture

File a Complaint: Lodge a complaint with the police for harassment.
Protection Orders: Seek protection orders from the court.
Health Insurance and Financial Support

You and your sister have supported your parents. Continue to ensure health insurance coverage. Your mother may need financial support until her rights are restored.

Action Steps for Financial Support

Joint Efforts: Continue supporting your mother financially.
Plan for Future: Set up a fund for your mother’s needs.
Investments for Secure Future

Consider investing in mutual funds for your mother’s secure future. Regular funds with the help of a Certified Financial Planner (CFP) are beneficial. Avoid direct funds due to lack of professional advice.

Benefits of Regular Funds

Professional Management: CFPs manage the funds, ensuring optimal returns.
Less Hassle: No need for your mother to manage investments actively.
Tailored Advice: Investments tailored to her risk profile and needs.
Regular Review of Investments

Regularly review investments with a CFP. Adjust them based on your mother’s needs and market conditions. This ensures her financial security.

Final Insights

Your mother has rights over her property. She can claim maintenance from your father and her share in ancestral property. Legal action can be taken for mental and physical torture. Continue supporting her financially and ensure her health insurance coverage. Invest wisely with professional advice for her secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Archana

Archana Deshpande  |74 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Asked by Anonymous - Oct 16, 2024Hindi
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Career
I am 21. I am a chronic overthinker. I am always thinking about what other people think about me or overanalysing situations and making things complicated. Is this a serious problem? What should I do?
Ans: Dear overthinker,

Thinking is a good trait to have, overthinking is not.

You literally have to STOP overthinking!!!

One way to overcome this is to stop thinking and become more action oriented. STOP analyzing everything in the head, put it on paper, there is something calming about putting thoughts on paper, writing them down with a pen and paper.
And then taking actions based on what you have written and no more thinking about it.

Indulge in physical activity, play a game which is more action oriented , this teaches you to be fully present in the moment, which helps you in being in the moment. Being fully present in the moment is what gets you out of overthinking.
Do meditate , I really can't enumerate all the benefits of meditation, what meditation does to people is beyond words.

There is a book called as, STOP OVERTHINKING by Nick Trenton, this book offers practical advice and exercises to help you break free from negative thoughts and worries. It provides evidence-based methods to combat overthinking and anxiety.

Another amazing book by Eckhart Tolle, "The Power of NOW", can help you.

There is no problem which can't be overcome, believe in yourself, you are more powerful than you think, the body and mind have to listen to you!!
What you think so you become, feed yourself the right thoughts and let the magic unfold.!!

All the best!!

...Read more

Archana

Archana Deshpande  |74 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Asked by Anonymous - Oct 16, 2024Hindi
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Career
My manager is constantly manipulating his boss about me. Everyone in my team is aware that she is increasingly insecure about my success and feels threatened by me. She often gives incorrect and incomplete feedback due to which my manager feels that my manager is more efficient than I am. In the past, 4 people have quit or been foced to resign due to these politics. Should I also quit and move to another company or should I talk to the manager about this? Pls help
Ans: Hi!!

When I was working in the corporate world, the oft repeated quote was, "people don't leave the company ,they leave bad bosses".
Your manager's boss is your super boss, rt? Can't you go and speak to him directly and put your concerns across?
I am sure the HR must have noticed that people are quitting and might have explored the reasons why they are doing so too, do check with them.
I fail to understand why women should not cooperate with each other. You can also explore the option of talking directly to the manager and telling her if your actions in any way have caused some misunderstanding and if she says yes then you are willing to clear them. Also tell her that you are not eyeing her post and you are just trying to do your job well. I did the same with one of my bosses, it worked for me, we became the best of friends, we are still in touch. You need to think which is your best option and choose one from all the possible solutions I have mentioned. You can always quit, that's the last option I feel..

Hoping you choose wisely..All the very best!!

...Read more

Nayagam P

Nayagam P P  |3911 Answers  |Ask -

Career Counsellor - Answered on Nov 18, 2024

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Career
my son is 8 year old studying in Class 3 . The classes occus is in morning shift from 6.30 am to 1.30 PM . after comming from the scholl he tired and not able to study in night . plz suggest the Correct time table for the second shift school child so that we can manage his tiredness and keep improving him in balanced way.
Ans: Priya Madam,

You have not provided information regarding the number of hours your son sleeps.

(1) Given that your son is only 8 years old, it is important to ensure he gets a minimum of 8 hours of sleep at night and 2 hours in the afternoon. Sleeping hours can be reduced once he enters the 6th Standard.

(2) Ensure he receives a balanced diet and nutritious food to sustain his energy levels. (3) Encourage him to maintain regular water intake to prevent dehydration. (4) Facilitate opportunities for him to take regular breaks and engage in play. (5) A 3rd standard student can't study for extended periods. He should study for 25 to 30 minutes, followed by a 10 to 15-minute break after each 25-minute study session.

(6) I am providing this information for general awareness. Parents should refrain from physically assaulting their children to achieve compliance, as this can undermine their self-confidence. (7) They should engage in more polite and loving communication with the children. (8) Children frequently observe their parents and tend to emulate their actions. Ensure that the environment at home is tranquil. (9) Addiction to electronic gadgets may also result in fatigue. (10) Regarding the Study Planner, it has been previously stated that regardless of whether he studies in the morning or evening, he should engage in study sessions of 25 minutes followed by a 10-minute break after each session. He will not experience fatigue, and the output will be increased. Hope, this answer will help you, Madam.

All the BEST for Your Prosperous Son's Future.

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