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Anu

Anu Krishna  |1512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 26, 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
Asked by Anonymous - Nov 05, 2023Hindi
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Relationship

Hi my bother married since last 10 years having two young daughters (9 years and 4 years). - living in nuclear family since 2015 - having relationships issue since last three years. - do not want to live together. - she is threatening continuously to file criminal complaint and false cases 498 etc - my brother want divorce but no idea how to start - we are mentally very torture - pls suggest how to safe my family and separate my brother this poison relation Thanks

Ans: Dear Anonymous,
Kindly take the advice of a lawyer who specializes in such cases. He/she will be able to guide you appropriately.

All the best!

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Anu Krishna  |1512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 25, 2023

Asked by Anonymous - Oct 09, 2023Hindi
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Relationship
I have 28 + years of frustrated and abusive and absolutely unsatisfied marriage. It was arranged but involved bitterness from both sides. My father did my relationship because of temptation and so many false facts from the in -laws' side. I was not interested but due to family compulsions I couldn't resist. Somehow i feel sad that my father got trapped due to greed and always feel bad about him, my mother was illiterate and did not have much opinion on anything. It was full of falsehood and cheating. I am very simple and minimalist persons, just after marriage wife and inlaws started torturing me to breakaway from my parents, being alone son and with the help of sisters managed parents with lot of difficulties but thought time will heal. I was thinking of separation just after 6 months but somehow was in difficult shape, couldn't ask. Meanwhile Father in law died and i thought it's inhuman to give separation at this critical time and accepted my destiny, My wife was very clever and managed balanced relation till her brother and sister got settled and we decided to welcome kids and blessed with two sons but after all her responsibility over, she again showed same behavior rather more aggressive and color and i almost separated from parents. I am in Govt service and was threatened to file a false case, with all difficulties, managed with balancing, hiding something here and there. After the death of parents , things worsened and she is eying on all property of inheritance to be sold . I don't trust her at all , I want to give all to my sons and then quit. She always threatens , i want to be separated and live my old age peacefully alone without any property but all I want to give to my sons , not to her . Please suggest a way , I am afraid she can file a false domestic violence case or even to give me poison . I am very tense nowadays and my health is deteriorating.
Ans: Dear Anonymous,
Never live in fear because that can always be used by someone who is searching for an opportunity to meddle with your life.
Deal with this fear in two ways:
1. For fear of false case filing against you, kindly approach a lawyer who will guide you on how to protect your assets
2. For fear of the way your life is moving about in an unsettling manner, do work on it rather than fear it
- Separation or not, will have to be decided by you and your wife and make it as amicable as possible...
- If there are chances of reconciliation, do lay down some ground rules for both of you which includes deeper level of communication, deeper listening, trust building...

Most relationships sour over a period of time, because 'taking for granted' seeps in, there are unrealistic expectations for one another, children become an excuse for not spending enough time each other, family members somehow get into the equation which allows little room for the couple to understand one another...
the list goes on...
It simply means: Marriage is something that needs constant working on...it requires time, energy and effort...

All the best!

..Read more

Kanchan

Kanchan Rai  |538 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 01, 2024

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Relationship
we had joint family almost 10 years back, we are two brothers ,mother ,father and 2 children to both brothers, I am elder brother, Problem started almost 5 years , My brother lost his temper and started heated argument and violence in family although he is introvert and hold negative thought since long back ,all family members tried to convince him to keep him positive but issue increased day by day reached to a level when father decided my family to protect and advise us to move out of joint family. afterwards also situation remains the same their and ultimately my parents also moved out of the house. We never had any communication around 2 years , but afterwards father had some critical health issue related to kidney and we informed them, Communication started with them again but father expired and again we have seen their violent face during rituals. We understand he having serious psychiatric issue but non of their family like his wife , Son is cooperating us for medication without his consensus as my brother never thought that he having any issue. I am very much worried that some day something wrong can happen as he is keeping very pity issues in mind and ready to fight always. He relation and neighbor's also he did the same and now no one is in talking terms with him.Please suggest how to handle ,is their any agency who can help us in sorting this issue. dont want to go in legal.
Ans: Hello Manish,
mental health issues can be complex, and professional guidance is crucial. Consult with mental health professionals to create a plan tailored to your family's specific situation. It's important to prioritize the safety and well-being of your family. If your brother's behavior becomes threatening or harmful, it may be necessary to maintain physical and emotional distance while encouraging him to seek help. Look for support groups or organizations that specialize in helping families dealing with mental health issues. They can provide guidance, resources, and a network of people who have faced similar challenges. Consider arranging a family intervention, facilitated by a mental health professional, where you can express your concerns about your brother's behavior and encourage him to seek help. It's important to approach this with empathy and understanding. while you mentioned that you don't want to go the legal route, in extreme cases, you may need to consider legal options like obtaining a court order for involuntary psychiatric evaluation. This should be considered as a last resort and only if your brother poses a serious threat to himself or others.

..Read more

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Ramalingam

Ramalingam Kalirajan  |7967 Answers  |Ask -

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

Asked by Anonymous - Feb 15, 2025Hindi
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Money
We are a family of three (me + my parents). I am 30 and have no plans on getting married. Will explore spirituality and try to be a social worker after working for 2-3 more years. We have a corpus of Rs. 1.1 cr invested in FDs. The interest generated (Rs. 8,00,000 p.a.) is withdrawn monthly and used for daily expenses. Please tell me - 1. How long can my corpus last if we keep withdrawing the same amount each year? 2. Is there a need to add more money in corpus? 3. How will inflation hurt and play a role?
Ans: Your situation is well-structured, and your financial discipline is impressive. Let’s break down your concerns step by step.

1. How Long Will the Corpus Last?
You have Rs 1.1 crore in fixed deposits (FDs).

Your annual withdrawal is Rs 8 lakh, covering living expenses.

The duration your corpus lasts depends on the FD interest rate and inflation.

If the interest earned matches your withdrawals, the corpus remains intact.

But if expenses rise due to inflation, the corpus may start depleting.

If inflation is higher than your FD interest rate, the corpus will shrink faster.

Over time, this gap can significantly reduce your savings.

Without additional earnings or reinvestment, depletion becomes inevitable.

A detailed cash flow analysis is necessary for exact projections.

2. Is There a Need to Add More Money?
Your current strategy works well for now.

But inflation will increase expenses each year.

FD interest rates may also decline in the future.

A 25-year time frame requires careful planning.

If expenses rise but income stays the same, your corpus may not last.

Having an extra financial buffer is always good.

You may need to add funds over time to sustain withdrawals.

Consider a mix of investment options for better returns.

Balancing risk and stability is key for long-term security.

3. The Role of Inflation
Inflation reduces the value of money over time.

What costs Rs 50,000 today may cost Rs 1 lakh in 15-20 years.

If expenses double, your withdrawals must also double.

But your FDs may not generate enough interest to support this.

Over time, the real value of your corpus declines.

This means either increasing your corpus or reducing expenses.

Investing in assets that beat inflation can help.

A financial plan with regular reviews is necessary.

4. Fixed Deposits – Strengths and Weaknesses
FDs offer stability and guaranteed returns.

But they may not keep up with inflation in the long run.

Tax on FD interest further reduces net earnings.

Interest rates fluctuate and may decline in the future.

Over-reliance on FDs can erode wealth over time.

A diversified investment plan is essential.

5. Alternative Investment Strategies
You can explore better investment options alongside FDs.

Actively managed mutual funds have the potential for higher returns.

Debt mutual funds offer stability with tax efficiency.

Some portion in balanced hybrid funds can manage risk well.

Conservative investment in gold can hedge against inflation.

Having multiple sources of income is always better.

Choosing the right mix of investments is crucial.

6. Steps to Strengthen Financial Security
Review expenses and identify areas for cost-cutting.

Maintain an emergency fund for unexpected needs.

Consider reinvesting some interest earnings to grow the corpus.

Diversify investments instead of relying only on FDs.

Keep track of inflation and adjust withdrawals if needed.

Reassess the financial plan every year.

7. Impact of Taxes on Your Income
FD interest is fully taxable as per your income slab.

High taxation reduces the effective return on FDs.

Some alternative investments offer better tax efficiency.

Choosing tax-efficient options helps preserve more wealth.

8. Planning for Spiritual and Social Work Phase
After 2-3 years of work, your income may stop.

Your corpus must fully support expenses post-retirement.

Ensuring a steady income source is essential.

Passive income streams like dividend-yielding investments can help.

Reducing lifestyle costs can make funds last longer.

Proper financial discipline is crucial for long-term sustainability.

9. Final Insights
Your financial setup is strong, but long-term risks exist.

Inflation, tax impact, and lower FD rates can hurt corpus longevity.

A well-diversified portfolio will offer better security.

Regular financial reviews help in adjusting to changing needs.

Adding funds to your corpus ensures stability for the future.

Prudent planning today ensures a worry-free tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Radheshyam

Radheshyam Zanwar  |1187 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 15, 2025

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