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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

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
Raajp Question by Raajp on Apr 13, 2023Hindi
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Relationship

Hi Anu , This Raaj here this side, I have seen your views on the relationship here on this site . so for that I need your help and your valuable expertise . About myself I am 42 yrs self employed businessman ,I got married in march 2010, it was a arrange marriage . from the day 1 there is a problem and it increases day after day. From the that wedlock I had baby girl . from 2012 situation got worsened matrimonial cases started it continued for next 4-5 yrs . after long battle I got divorced in 2016-17. This divorce cost me a lot , bcoz of that I lost my friends , social stigma, financial lost ( hefty alimony)and lot other problem which are associated with this . Now the main problem comes here , as after my divorce I was not ready to get re marry again but my parents are pressuring mr to get settle again ASAP. After long persuation I said ok …. I started searching my own and parents also started there own . In last 4 yrs I have seen lot of prospects ……..( kissi ko main nahi pasand , kissi ko mera kamm nahi pasand , kissi ko mere parents ke sath rehna nahi pasand …….. kissio ko meri income se problem hai,……………toa kuch mujhe nahi jachi.)there is lot of pressure on me that I should be perfect now after my divorce . after all this I had few good prospects ………….1. she was good but she wasnot happy with my income , she said no to me initially but continued talking and we are still in touch as she moved to Australia in APR 2019.As now we r really very good friends now ,Jab main usme interested tha toa usne na boll diya ………but jab usne dubarra reconsider karke propose kiya toa maine na boll diya. Than in 2020 COVID hits which upsets everybody’s life .360degree . In NOV 2020 I met 1 girl on one of the matrimonial sites ….we shared our details stated talking to each other , she liked me but didn’t responded her positively but continued our talks………in march2021 pata nahi kaise aur kyu …..maine use propose kiya…… maine use milne uske passd gaya ……….we talked …..shared our thoughts ….spend good time ……..but raat ko ghar vapis aa ke maine use NO kar diya . REASON is not known ya kahu toa main darr gaya tha .because of this she also got upst and that makes her depressed. For next 10 days I was so depressed I didn’t had my proper meal ……nothing all. I was in guilt ,that make me depressed for really long . I was only thinking about her only all the time nothing else, On 2nd JULY 21 ko maine pher user message kiya ………. After 2-3 days after my sorry and all that we started talking again. Everything stated good again .now in last week of july 2021 my father got severe heart attack ……and he had a surgery . Now they are pressuring me again that I should get settle soon ……..all my family members and sister and all. Maine Phir usko marriage ke liye tyar kiya aur phir batt ko STOP kar diya . and this tym mujhe gharwalo se aur sab se bahut anbun ho gayi. Ab mujhe samaj aa rahi ki main kya karu . main shaddi to karna chata hoon par kissi pe trust nahi kar pa raha hoon . mere ghar valo ka mujh pe bahut pressure hai . there are some other problem which I would like to disscuss in future . pls help me what should I do , I m feeling helpless . Thanks Raaj

Ans: Dear Raaj,
What is it that you want?
You seem to ready to get into a relationship because your family thinks so, your father had a heart attack and then they pressure you to find a girl to marry.
So, what is it that you want and want to do?
And the possible reason for not striking a chord with the women that you were interacting with. When you have decided what you want, it will show up in your body language, facial gestures and within the conversation. You are possibly still healing from your divorce and are not ready to get into another marriage. So, don't. First, sort your mind out and then think of another relationship.
So kindly, start to think for yourself ignoring what your family tells you. Yes, you need to do that. Family pressure is no reason to get married; of course they mean well and care for you. But, what you want is what matters here.
So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you. Heal from your divorce and think about what you need in another relationship and in your partner. When you ready, then it's time. So, no more helplessness, only strength.

All the best!

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

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Relationship
Hello Anu Ji, Firstly thank you very much for your valuable time and feedback on problem. Thanks for understanding me & my POV in this small conversation. After so long Its you who had read between the lines .I am really very thankful of you , that you have given me such a lovely advice. But I am bit confused. After reading mail I was really get very positive and optimistic about my decision. I read ur mail 4 times , I got a positive ray of hope with lot of confusion comes with it . You said “You are possibly still healing from your divorce and are not ready to get into another marriage.” Yes this is the question. Its almost 7 years why I can’t be able to overcome from that dilemma and trauma which I got in past . You said “First, sort your mind out and then think of another relationship” , yes another question what should I sort it down and how ? You said “ what is it that you want and want to do?” this the problem which is not letting me move on.bcoz of this I am so much confused I can’t express you in word . I am not able to understand my wants ……………there is a Cat- Rat Race from Head to heart………from Heart to head all day. In simple words its (Kashmakash). You know ……….. I also want to get married, I want a companion …partner with whom I want to share my emotions, joy’s,……..happiness….etc., I want kids , I want to go for long drives , outings , dance with my wife , and lot of other small big things in my mind, which I was not able to do in past marriage. I want someone, to whom I can share my feeling when I am low. I am strong enough to take care of myself but u know … You need someone who say’s “Don’t worry Allz be well, I am with you “. But for this I have to Trust the other person that’s the thing I Am unable to do it . I don’t know why, I don’t Trust anybody now? why I am creating a vicious circle about trust .? You said one thing very beautiful “So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you” these words really touched my heart .thanks for the encouragement and the words of strength. I really need it very badly. These words give me a new direction to think and bit of strength to my POV. Please forgive me about my English language ……. I am not very good at it and may be you find few thing repetitive and irritating. Pls ignore it . Hoping that I am able convey my POV and feelings of my problem so that u can easily understand…….and on that basis you give Your valuable feedback and advice. Thanks R@@J
Ans: Dear Raaj,
Thank you for your kind words.
The follow-up questions that you have asked me requires a deep-dive introspection from you. You have very clearly and intelligently come up with these questions which is difficult to do when in a problem. But you have managed to do that. So congratulations on taking the first step!

To clarify, always clear any remnants from the previous relationship before you begin a new one. Also, any relationship including marriage is something never to be entered into to please anyone. Do this only when you are ready and there is no need to give into any pressure. Your longing for a companion is sweet but as I have mentioned, ask all these questions to yourself and reflect.
Also, ask:
- am I completely ready to commit to a marriage?
- am I carrying any fear/anger from the previous marriage?
- how will I keep my relationship with my daughter after my marriage?

And yes, the day you learn to love yourself again, you will find it easier to trust again and that's why I said: Heal first...and then think of a companion. Without that trust, you will be playing a game again and it will not end well.
Take some time off to rediscover yourself and heal. Heal by loving yourself and things will flow without you having to chase one lady after the other. Love must be effortless and not chased or forced. Take a break; fear nothing...All will be well...

All the best!

..Read more

Harsh

Harsh Bharwani  |62 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Asked by Anonymous - Jun 23, 2023Hindi
Career
Dear sir i am 51 yr old ,i had a very tough life,i was bright and honest student..i got adhoc lecturer ship which i have to left as it was adhoc only i like my profession but i had to left ..than i join with help of my friend sales which i don't like but to earn i did and rose to higher management level...my married elder brother was having depression,i left the parental home to help him ,my parents were both retired govt employees getting good pension...i struggled to make both ends meet..later on my parents get medical trouble still my wife took care of them at my house.. I left the job in 2010 me and my friends who bring me job started the business but he ditched me the first day on business i take courage and continued the business... Meanwhile my parents refused yo help....after 3 yr of my business my parents come to help them as my mother has to do 3 month complete bed rest ,me and my wife helped them after that they come for 2 -3 months in a year for 5 years but after that my mother starts querlling with my wife ,i stoped their coming but told i will help them they need..i helped them during covid ,and other medical problems ,in 2021 my father passed away in i met an car accident my mother refused to give registery of copy in cour yo get bail..i stopped my all relation on this ...my daughter went to canada in sep 2021..i took 7 lacs loan and rest i paid from my savings ..this month her course was supposed to finish but what i realize that she failed in 13 exams..she told me first time than i told her to not worry i concentrate for future one but she lied and failed in other one also what she disclosed now,i have to pay further 10 lacs..my business is alo down and my son is not selected my medical field business,i have to collect aprx 40 lacs from market ,i tried hard for tie up overtake or job at this age but kot getting...it is become hard to run business with no family member in same business in future and tonpay to daughter ..i am gojng to shut it down in next month and do something else...with low cost business as i have to pay monthly salaries and rent of aprox 2.5 lac...i am in big trouble...No one to help me out..i never tried my 0mother brother sister whom i helped in their every cause...i knew they will not help as they not helped me in all my troubles...
Ans: I'm really sorry to hear about the difficult circumstances you've faced in your life. It sounds like you've gone through a lot of challenges and have been dealing with various setbacks. It's understandable that you may feel overwhelmed and frustrated at this point.
In times of hardship, it's important to remember that there is always hope and the possibility of finding solutions. Here are a few suggestions to consider:

1. Seek Professional Help: Given the complexity of your situation and the emotional toll it has taken on you, it may be beneficial to seek professional support. Consider reaching out to a counselor, therapist, or support group to help you navigate through your challenges and emotions. They can provide guidance and assist you in developing coping strategies.
2. Financial Assistance: If you're struggling with loans and financial obligations, it might be worth exploring options for financial assistance. Consult with a financial advisor or research available schemes, grants, or loans that could potentially help you manage your debts and ease the financial burden.
3. Career Transition: As you mentioned, shutting down your current business and exploring other low-cost business options might be a viable solution. Assess your skills, interests, and market demand to identify alternative business opportunities that align with your capabilities and resources. Consider seeking advice from business mentors or professionals in your desired industry to help you make informed decisions.
4. Network and Support: While it may feel like you're alone, reach out to your social network for support. Friends, acquaintances, or industry professionals might have insights, connections, or opportunities that could be beneficial. Building a support system can provide emotional support and potentially open doors for new opportunities.
5. Prioritize Self-Care: In challenging times, taking care of yourself is crucial. Make sure to prioritize self-care activities such as exercise, relaxation, hobbies, and spending time with loved ones. Maintaining your physical and mental well-being will help you navigate through difficulties with a clearer mindset.
6. Maintain Resilience: Remember that setbacks are a part of life, and resilience is key. While it may feel overwhelming now, focus on developing a positive mindset and persevering through challenges. Draw on your past experiences of overcoming adversity to fuel your resilience and determination.

Finally, know that it's never too late to make a fresh start or seek new opportunities. It may take time, effort, and a shift in mindset, but with perseverance and resilience, you can work towards a better future. Reach out for help, explore available resources, and stay determined. Wishing you strength and the best of luck as you navigate through this difficult period.

..Read more

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Money
Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Money
Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

...Read more

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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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