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Anu

Anu Krishna  |872 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2022

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
J.A.R Question by J.A.R on Dec 07, 2022Hindi
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Relationship

Dear Anu,
I request you to keep me anonymous. A few years ago (I was 18 years old) on a 4-hour flight, the man sitting next to me molested me.
He used the excuse of being afraid of flying but constantly caressed my inner thighs and kept touching my vaginal area for the entire duration of the flight.
I sat there frozen and petrified and never told anyone. I have felt guilty about it ever since.
Last year I moved to the USA for a few months and in my last month there, a guy kissed me.
It was at a bar and was consensual but since then I have been obsessing over it (it's been six months) and constantly feel dirty and guilty just like I felt on that flight.
I feel like I let him use my body just like before even though the kiss was something I wanted.
I feel like I won't ever be able to enjoy consensual sex or even just foreplay and I cannot understand how to get rid of that feeling of guilt.
How do I stop feeling guilty and dirty and be able to enjoy.

Please help me
Thank you.

Ans:

Dear J.A.R,

It must be shocking and what you displayed was Freeze response.

Creeps like these are lurking around every corner and till we call them out, they are going to commit more serious offenses that what you have experienced.

So, the next time, scream at the creep and make a scene if you have to.

At least, you will have moved on from the victim mode to someone who can take care of herself. Well, this is for what can be done the next time!

Now, let’s deal with what your mind is doing to you.

In what way are you dirty for a trick played on you by a dirty man?

Isn’t he the one who should be feeling dirty instead? Why are you playing his side of the role and keeping yourself from good relationships that are coming your way?

To change this story in your mind, I suggest that you imagine the dirty man seated next to you, him groping you and NOW change the way you want to respond to it.

This time ACT EMPOWERED. Like you are yelling at him, calling out to co-passengers, punching him or whatever that you wished you could have done.

Play this in your mind over and over again.

I do understand that replaying what he did to you can get in the way of this process; but do know that you cannot change the past, but you can surely empower your present and the future. So, do it and do this NOW!

This will give you a chance to rewrite the stories about the relationships that you are about to have.

Also, this will enable you to have a better grip over physical intimacy that is definitely a product of the way the mind processes the event. So, work at this and gift yourself the chance to live free!

Best wishes!

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Anu

Anu Krishna  |872 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 22, 2023

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Relationship
Hi, I am 45 years old man married with two kids. I got into relationship with a married colleague 5 years back. She got divorced. I am not sure if our relationship was the reason for the divorce. I wanted to divorce my wife and get married to my colleague. But then during pandemic I and my colleague were physically separated. Not sure if the separation helped her realise our relationship was not going anywhere or it was not right. She called and told me that I scarred her life and didn’t want to keep in touch with me. Since then I am not in touch with her. I made attempts to but she blocked me totally. She’s in the same town but I never made an attempt to forcefully meet her. She didn’t marry again so far and don’t what’s happening in her life. But I feel guilty did I spoil her life? I really love her but if I really did why did I not know where this all will end up. I don’t think I was the reason for her break up because she developed friendship with me when her marriage was not going well. I don’t know if it was error of judgment, feel so guilty about the whole situation. Since I have been in relationship with her, never had a sexual relationship with my wife and even I don’t. Don’t know if it’s my failed or failing marriage is whole reason for this . I feel terribly guilty for my ex colleague’s situation. It’s eating me up. I question my own character, am I a sexual predator? I lose my sleep about this and not able come to terms. Need your advice, do I need a see a therapist and what kind?
Ans: Dear Rajesh,
You have the choice of playing the 'victim' or move on with life accepting things for the way they are!
Why you stepped out of marriage or why your married colleague entered into a relationship with you or why she walked out of it or why she blames you.
These WHYs will only keep making you go in circles. You need answers to these only if the two of you are still going to be involved. When that chapter of your life is over, why mull over it? This is playing the 'victim', feeling sorry for yourself and feeling guilty and trying to go back in time and thinking of what you could have done to have a different outcome. As long as these WHYs help you move on, it's fine, but if it's only going to mess with your mind and send you on a wild goose chase, kindly STOP! Sexual predator as you call yourself is just a label you choose to carry after the accusation made by your colleague after she called the relationship off. So, she takes the call and then blames you and then you decide to carry the guilt for what two consenting adults decided when they were in a relationship. Quit this mindset and seriously MOVE ON!

Can you instead focus on where your life is now and what you can do to make it better?
Indulge in a new hobby and make a few new friends and be with your family that loves you. Spend time with your children who will fill your life with a lot of happiness.
Soon, when you are ready, things might open up for a new relationship then.
So release the OLD and welcome the NEW.

Best wishes!

..Read more

Anu

Anu Krishna  |872 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 06, 2024

Asked by Anonymous - Mar 04, 2024Hindi
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Relationship
I feel very disgusted to tell you that... I (17y female) was sitting with my mom and my cousin (28y male) was also there. My cousin was sitting besides me and after a while my mom left the house for about 10 minutes for some work. I felt sleepy so I slept on the bed itself. My cousin was still sitting besides me when I slept. After a while I woke up to a very bad feeling. My cousin was groping my butt from behind . I froze as I woke up.my whole body didn't respond at all. I was in shock . He kept touching me for a while. I don't know how I slept in that freezing position. But when I woke up my body was still in shock and he was still besides me. At first I thought it must be dream . But it was surely not a dream. I have noticed he always stares at my body and keeps finding ways to touch me. This all happened and I didn't tell anyone. It has been 3 months and I still can't get over it. I cannot even tell my parents as they will not believe me and it will cause lots of ups and downs if my parents overreact. I really don't know what to do. I feel disgusting.
Ans: Dear Anonymous,
Do tell your parents till they HEAR you! Initially, they may dismiss it as a misunderstanding on your part, but persist and keep telling them. Everyday...they may blame you, be upset with you, not talk to you or threaten you with something...BUT keep at it girl...
Someday, they will realize that they must trust their daughter and not the person who decided to abuse their daughter and then get away with it. If this guy gets away, he will try this again with you or some other innocent girl...so, speak up bravely and be firm with it.
If you have an older sibling or someone in the family who is closer to you in age, confide in them, so that they can also back you up.
And the next time, this person (cousin) visits, make eye contact with him when he stares...and ask him: Is there a problem?
If he has any ounce of shame and scare, he will leave or shift gazes. Most often abusers keep trying only because they feel no one can stand up to them. Once you stand up to him, he will cow down! Get back you power by actually feeling that you own your body and that you draw boundaries around it. Be brave!

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 10, 2024Hindi
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Money
I got a job in Dubai and salary is 3.3 Lacs per month. After EMIs and monthly expenses i have net savings of 1 Lac. As NRI Can you please suggest some SIP and how and how much should i diversify like MF, Bonds, Gold, ETFs, etc. Thank you.
Ans: Congratulations on your new job opportunity in Dubai! It's great to hear that you're planning ahead for your financial future as an NRI. Let's discuss some strategies to make the most of your net savings of 1 lac per month through systematic investment plans (SIPs) and diversification across various asset classes.

Understanding SIPs and Diversification
SIPs offer a disciplined approach to investing in mutual funds, allowing you to invest a fixed amount regularly. Diversification across different asset classes helps spread risk and maximize returns over the long term.

Mutual Funds: A Core Investment Option
Considering your monthly savings capacity, allocating a portion of your savings to mutual funds can be a prudent choice. Opt for a mix of equity and debt funds based on your risk tolerance and investment horizon.

Equity Mutual Funds for Long-Term Growth
Equity mutual funds have the potential to deliver higher returns over the long term but come with higher volatility. Invest in diversified equity funds or thematic funds aligned with your investment goals and risk appetite.

Debt Mutual Funds for Stability
Debt mutual funds provide stability and regular income by investing in fixed-income securities such as bonds and treasury bills. Allocate a portion of your portfolio to debt funds to balance out the risk from equity investments.

Gold as a Hedge Against Market Volatility
Including gold in your investment portfolio can act as a hedge against market volatility and inflation. Consider investing in gold mutual funds or gold exchange-traded funds (ETFs) to gain exposure to this precious metal.

International Funds for Geographic Diversification
As an NRI working in Dubai, you can benefit from geographic diversification by investing in international mutual funds. Look for funds that provide exposure to global markets and sectors outside of India.

Regular Review and Adjustment
Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Adjust your asset allocation as needed based on changing market conditions and life circumstances.

Seeking Professional Advice
Given the complexity of managing investments across different asset classes, consider consulting with a Certified Financial Planner (CFP) who has experience working with NRIs. A CFP can provide personalized advice tailored to your financial objectives and help you navigate the intricacies of international investing.

Conclusion
By diversifying your investments through SIPs across mutual funds, bonds, gold, and international funds, you can build a robust investment portfolio that aims to generate wealth over the long term while managing risk effectively. Remember to review your investments regularly and seek professional guidance when needed to make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

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Money
HELLO SIR, I AM 37 YEARS OLD AND OWNS A PROPERTY OF WORTH 90 LAKHS RIGHT NOW BOUGHT 8 YEARS BACK FOR 60 LAKHS. MY EMI IS AROUND 43K PER MONTH FOR ANOTHER 20 YEARS. ME AND MY WIFE EARNS AROUND 110000 PER MONTH. MONTHLY EXPENSE IS AROUND 35K. I HAVE 1 KID. HAVE I DONE RIGHT INVESTMENT OR IS THERE ANY OTHER WAY AROUND.
Ans: It sounds like you've been diligently managing your finances and investing in property, which is a significant accomplishment. Let's take a closer look at your situation and explore potential strategies to optimize your financial position.

Assessing Your Current Investment: Property Ownership
Owning a property valued at 90 lakhs, which you purchased eight years ago for 60 lakhs, indicates a healthy appreciation in value over time. Property can be a valuable asset that offers potential long-term growth and stability.

Evaluating Financial Commitments: Mortgage and Monthly Expenses
With an EMI of 43k per month for another 20 years, it's essential to ensure that this obligation fits comfortably within your budget. Considering your combined monthly income of 1,10,000 and expenses of 35k, it seems like you're managing your finances responsibly.

Considering Future Financial Goals
As a family with one child, planning for the future is crucial. It's commendable that you're proactively assessing your investment decisions to ensure financial security and growth.

Exploring Alternative Investment Opportunities
While property investment can be lucrative, diversifying your portfolio with other assets may provide additional benefits. Consider exploring investment options such as mutual funds, stocks, or retirement accounts to supplement your existing holdings.

Consulting with a Certified Financial Planner
Given your financial goals and current assets, consulting with a Certified Financial Planner (CFP) can provide valuable insights and personalized recommendations. A CFP can help you assess your risk tolerance, identify investment opportunities, and create a comprehensive financial plan tailored to your needs.

Conclusion
Overall, your investment in property has proven to be a wise decision, considering the appreciation in value over time. However, exploring alternative investment avenues and seeking professional financial advice can further enhance your financial well-being and help you achieve your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 16, 2024Hindi
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Money
Firstly, thanks for patiently answering everyone's questions ????. Can you please suggest a suggest a MF which i wznt to invest in for next 10 years for my kids higher education. I see lot of children related mutual funds but unable to decide on one. I am ok to take high risk since ny inv would be for more than ten years.
Ans: Investing for your child's education is a thoughtful decision that requires careful consideration. I appreciate your dedication to securing their future. Let's delve into selecting the right mutual fund for this purpose.

Understanding Your Investment Horizon and Risk Appetite
Investing for your child's education over a ten-year period is a commendable strategy. Since you're comfortable with high risk, you have the potential for higher returns over the long term.

Evaluating Mutual Fund Options
When considering mutual funds for your child's education, it's essential to focus on funds with a proven track record of long-term growth. Look for funds managed by experienced professionals with a history of delivering consistent returns.

Active vs. Passive Management: Making the Right Choice
While index funds offer low fees and broad market exposure, they may not outperform actively managed funds, especially during volatile market conditions. Actively managed funds, overseen by skilled fund managers, have the flexibility to adapt to market changes and potentially outperform the market indices.

Emphasizing the Benefits of Active Management
Actively managed funds offer the advantage of professional oversight, where fund managers actively research and select investments to maximize returns and mitigate risks. This approach can be particularly beneficial in volatile markets, helping to navigate uncertainties and capitalize on emerging opportunities.

Disadvantages of Direct Funds and the Benefits of Regular Funds through a Certified Financial Planner
Direct investing requires significant time and expertise to research, select, and monitor investments effectively. By working with a Certified Financial Planner (CFP), you gain access to professional guidance and personalized investment strategies tailored to your financial goals and risk tolerance. Through a Mutual Fund Distributor (MFD) with a CFP credential, you can benefit from ongoing support and portfolio reviews, ensuring your investments remain aligned with your objectives.

Making an Informed Decision
Consider mutual funds with a focus on sectors or themes aligned with your child's educational aspirations. Diversification is key to managing risk, so opt for funds with a well-balanced portfolio across various asset classes.

Conclusion
Investing in mutual funds for your child's higher education requires a thoughtful approach that considers your investment horizon, risk tolerance, and the expertise of fund managers. By leveraging the benefits of active management and seeking guidance from a Certified Financial Planner, you can make informed decisions that lay the foundation for your child's bright future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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