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Kanchan

Kanchan Rai  |199 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 29, 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
SN Question by SN on Apr 28, 2024Hindi
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Relationship

Hi, I have a divorcee daughter aged 45 whose unpleasant and quarrelsome behavior is a constant source of misery and headache for whole of the family. Her marriage could not go beyond 2 months as her in-laws turned out to be greedy, troublesome and also found involved in some fraudulent activities with a few police cases against them -- which forced us to seek divorce. I may add that my daughter ever since she was 13 or 14 yrs became a little self-willed and considered her to be always right in action and thought in front of parents or any one else. This has become very serious now. She is not at all open to any kind of reasoning or discussion. If you always act, think or do as per her wish, it is ok otherwise she will start fighting on any thing or every thing. Her attitude of selfishness and always finding faults with other family members including parents is spoiling the peaceful atmosphere of the house. Expecting any kind of adjustment from her is asking for the moon. Kindly advise.

Ans: Dear SN,

I can understand how challenging it must be to deal with your daughter's behavior. It's concerning that she's been displaying this attitude since she was young and that it's causing such turmoil within your family.

Consider seeking the help of a family therapist or counselor who specializes in dealing with family conflicts. A professional can provide an objective perspective and offer strategies for improving communication and resolving conflicts.It's important to establish clear boundaries with your daughter regarding her behavior. Let her know what behaviors are unacceptable and what consequences will follow if those boundaries are crossed.
Encourage Open Communication: Even though your daughter may be resistant to discussion, continue to encourage open communication within the family. Let her know that you're willing to listen to her perspective and work together to find solutions. Instead of solely focusing on her negative behavior, try to reinforce positive behaviors when you see them. Praise her when she acts respectfully or cooperatively, and try to reinforce those behaviors. Show your daughter how to communicate effectively and resolve conflicts peacefully by modeling those behaviors yourself. Avoid getting drawn into arguments or confrontations, and instead, try to remain calm and rational.If your daughter is open to it, encourage her to seek therapy on her own. A therapist can help her explore the underlying reasons for her behavior and develop healthier coping mechanisms.
Encourage Self-Reflection: Encourage your daughter to reflect on her behavior and its impact on herself and others. Help her recognize the importance of empathy and understanding in maintaining healthy relationships.
It may take time and patience, but with consistent effort and support, there is hope for improvement. Remember to take care of yourselves and seek support from other family members or friends if needed.

You may like to see similar questions and answers below

Anu

Anu Krishna  |886 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2021

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Relationship
Dear madam, it’s about my daughter. She is 22, completed Msc (economics) in IIT-Kharagpur and will join job in July at Gurugram. She 2nd of two kids, son being the 1st, also an IITian, now in the US She is with us since March 2020, the longest period after 7 years. She has average intelligence and follows her brother. We never exerted any pressure but always supported her. She strives very hard to reach her goals. In that process she always experiences very tense moments. She shares all in detail with her mother (some very silly). My wife always listens patiently and extends all the required support. She also excelled in cultural activities at IIT -- was cast in a lead role in a short film which stood first in the IIT meet. She was affected by corona during which she did internship with Nomura. She cleared CFA level 1 in Dec 20 and is continuing her last semester from home. She is very much attached to the family and always insists that we live with her. At the same time, she is lazy and never inclined to share any work at home. She was and is busy with her studies then and internship now. She spends most of the day sleeping; working at night, chatting and hardly communicates pleasantries with me and her mother. We do discuss about general things. During conversations with her mother, she would shout and get upset with anything she dislikes. However she will be very normal with her friends. I worry silently but my wife is not able to be passive which is resulting in verbal duels frequently for silly or no reason. My concerns: 1. Her irregular timings – she wakes up at 1 pm,misses breakfast, lunch 2 pm, dinner 10 pm and sleeps sometime after 2 am. 2. She is not exercising. 3. She intervenes in our conversation (between me and my wife) and finds fault with the thinking of my wife. I routinely console my wife that all will be OK soon. But I find it difficult to convince her. Importantly I’ve become helpless and speechless whenever both of them indulge in verbal duels. All my attempts to pacify them are useless. My request to keep silence is not at all heeded. Both find fault with me for not supporting their points. Both are correct from their angles, however the issues are silly. Later both shower so much of love and I always wonder whether they even indulged in fierce battle a little while ago. My concern: How to handle the situation? How to make them silent? Any advice will be appreciated and followed.
Ans: Dear TVR, is it possible to make anyone silent, especially against their will?

Talking loudly or screaming at each other clearly indicates that there is a communication breakdown in that relationship. And silence cannot rebuild this.

There’s a lot of love and a lot of arguments between a mother and a daughter.

It is filled with care, worry, anxiety and a lot of love. They are well meaning but maybe the manner in which it is expressed may not be the best.

Your wife certainly wants to have a better level of communication with the daughter but do remember at age 22, she doesn’t need instructions but more of friendly suggestion; practically ‘A take it or leave it’ one.

But relinquishing this way of parenting and moving to a friendlier one takes a lot of mindset change as now you both are parenting a young lady and not a girl

Also, it would be worth an effort to know if all the studies that she is currently pursuing is not something that is for the outside world and to follow her brother but is something that she likes.

Professional competitive courses can sometimes rob a person of a holistic life leaving little time to have hobbies or a social life to enjoy. Is she under pressure? Does she like what she is studying?

A few study late into the night and a few wake up early. Whatever that is, she must maintain a better lifestyle and eat well. Not maintaining proper mealtimes can be reflective of stress also.

I suggest you and your wife have a chat/talk with her not to instruct her on what to do and what not to BUT making it casual like the three of you are on the same side and looking at the situation outside of you.

That will make her trust you both even more and it could possibly lead her to a better state of mind to tackle her studies and have a good personal life as well.

Wishing your family a wonderful connection.

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Anu

Anu Krishna  |886 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 15, 2021

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Relationship
I need your expert advice in parenting my daughter. I am a 45 year old mother having two children, a daughter (aged 10 years) and a son (aged 7 years). My husband is very bad at finance issues and because of that we had some issues with my marriage. So I shifted to my mother's place with my kids and we were not in touch with my husband for quite some time. It’s been six years I have been bringing up my kids with very less support/ no support either from my husband or my mother. Since my husband is not staying with us, my kids have been missing their father. Of late, my husband visits us often and he spends time with the kids whenever possible. Though she is 10 years old, my daughter is not having that level of maturity. She is very illogical and dull. I have been training her in certain household work like sweeping the house, washing her clothes and all. She is doing all the work with no concentration/involvement/interest and so the output is pathetic. She is like that in her studies also. I have been explaining things in a very detailed way even then she is doing things like that. During my childhood no one was there to explain me but for my daughter I am there but she is not understanding the value of it. I am getting frustrated and irritated because of her. My question is since she was missing her father couple of years in the recent past, her behaviour is like this. Is there anything that I can do for her improvement? Shortly she might be starting her puberty cycle and before that I would like to make her logical and smart. I have been consistently trying for this by chatting with her alone but could not see any betterment. Kindly help me out.
Ans: Dear JR, when you say: She is very illogical and dull, what does this mean?

Does she take time to understand things? Or is it that she is being evaluated based on what others her age are doing?

At age 10, do you want a happy child or a child who excels in washing clothes and doing all your housework.

Sharing responsibilities at home is perfectly fine, but to judge your child based on that by saying: ‘output is pathetic’ only demoralizes the child further.

She possibly has missed her father all these years and what you need to do is fill it with more love, care and what is the point in driving the point that you didn’t have anyone and she has you and she has to understand the value of this.

She is 10, please allow her to be her age and feel free with each of you.

Create an environment that is loving and caring and supporting from both parents will enable her to relax, be cheerful, grow and be active. And this environment is not for any sort of evaluation or to see a favourable behaviour from her in return.

In a few years from now, she will be hitting puberty.

Let her walk into that phase with confidence and pride rather than self-doubt and shame. I am sure that as a mother you know how important that time is for a young girl.

Start thinking of how to be back together as a family as it isn’t easy for you as well to be away from your husband.

This could also be adding to your stress and maybe it comes out in different ways.

Be with your daughter, love her and encourage her and even after that, you see that there is a challenge, then maybe it’s time to visit a professional who can step in and help.

Happy parenting and be well and stress-free!

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Anu

Anu Krishna  |886 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 08, 2024

Asked by Anonymous - Jan 02, 2024Hindi
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Relationship
Hi Anu, I am 45 year old and married from last 16 years and having 15 year old daughter . My Wife and I didn't have a good relation, We fight a lot, not sure what ever I speak she didn't like it and some how converted into argument , My wife is 10 year younger to me , I used to have good sex life at-least few year back, but relation was not good that time too, some how she is either having feeling of superiority or not sure what , She always blames me or my daughter if any things happen, she didn't ready to accept that she can be wrong . Previously even we used to have fight but overall things was fine , she used to generally fight but some how we do makeup after fight , now situation is out of control, she didn't accept her mistake and try to blame me for all the problem , she do over spend and if I try to control she start fighting, I think she just fight for what ever things she need for her selves , but always criticized / blame other , She pick up fight very easily with any one , She even fight a lot with our daughter . Even daughter some time suggest to go separate road than only she will understand , I try to go for concealing but no help , there also when used to discuss problem she hardly listen , even Councilor told her she must develop habit to listen others but nothing improve, I am not sure how to tackle this , She always sleep alone and if any disturbance she create ruckus , she want the things her own way if not than she can't tolerate . I am not sure but I need help here and problem after covid is more now , I try to manage these things previously but looks I don't have patience to handle this any more, I didn't like people blaming for no reason, it looks some time after doing so much for family I am nothing for my family and it is hurting me more. I will not say that I didn't fight , I do and mainly when I feel broken I shout on her and some time asked her to live the house , This may be as she always says she is looking for some one once she find she will leave the house , She always give threat and always say she didn't love me , She didn't find me attractive enough . She try to create environment where I should feel that I am not important person as well as social , I can write 10 more page around this but wanted to have some solution , not sure what could be best here . I wrote previously too but have not got any response yet.
Ans: Dear Anonymous,
I suggest that the two of you go and see a marriage therapist. This is not simply the job of a counselor; there is clearly a breakdown in the way your marriage is functioning...it needs both of you to build the marriage back again and the therapist will be able to see and review both sides and suggest/guide you two correctly.

10 or 20 pages are not going to help; what will help is that both of you sit down and think of why you are married and what you can do to rebuild it. Blaming her or yourself isn't anyway going to help...Rather than listing down each others' faults, try to work at this.

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

Asked by Anonymous - May 22, 2024Hindi
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Money
Wrong payment please help me
Ans: I understand that dealing with a wrong payment can be stressful. Let's address this issue step-by-step to ensure it is resolved efficiently. Here’s how you can handle it:

Step 1: Identify the Issue
Confirm the Error
First, confirm that a wrong payment was indeed made. Double-check your records to ensure there’s no mistake from your end. Look at your transaction history and verify the details.

Gather Information
Collect all relevant information related to the transaction. This includes the transaction date, amount, recipient details, and any reference or transaction numbers. Having this information handy will help in resolving the issue quickly.

Step 2: Contact the Bank or Payment Service
Immediate Notification
Contact your bank or payment service provider immediately. Use their customer service number or visit the nearest branch. Explain the situation clearly and provide all necessary details.

Follow Procedures
Follow the specific procedures outlined by your bank or payment service for reporting wrong payments. They may require you to fill out a dispute form or provide a written statement.

Step 3: Provide Documentation
Submit Evidence
Submit any documentation that supports your claim. This might include screenshots of the transaction, bank statements, or email confirmations. The more evidence you provide, the stronger your case.

Keep Records
Keep copies of all documents and correspondence related to the dispute. This will be helpful if you need to follow up or escalate the issue later.

Step 4: Follow Up
Regular Updates
Follow up with the bank or payment service regularly. Request updates on the status of your dispute. This shows that you are serious about resolving the issue and keeps the pressure on them to act promptly.

Be Persistent
Be persistent but polite. Resolving payment disputes can take time, and maintaining a good relationship with the service provider can facilitate a quicker resolution.

Step 5: Contact the Recipient
Inform the Recipient
If you know the recipient of the wrong payment, contact them directly. Explain the mistake and request them to initiate a refund. Most people will be willing to cooperate.

Document Communication
Document all communication with the recipient. If they agree to return the money, get a written confirmation. This ensures there is a record of their agreement to refund the amount.

Step 6: Escalate if Necessary
Escalate to Higher Authorities
If your bank or payment service is not responsive, escalate the issue to higher authorities within the organization. Ask to speak with a supervisor or manager who can make decisions.

File a Complaint
If necessary, file a formal complaint with the banking ombudsman or relevant regulatory authority. They can intervene and help resolve the dispute if your bank or payment service provider is uncooperative.

Step 7: Prevent Future Errors
Double-Check Payments
To avoid similar issues in the future, double-check all payment details before confirming transactions. Ensure the recipient’s information and the amount are correct.

Use Payment Alerts
Set up payment alerts with your bank. These alerts can notify you of transactions in real-time, allowing you to spot errors immediately.

Conclusion
Dealing with a wrong payment requires prompt action and persistence. By following these steps, you can address the issue effectively and prevent similar problems in the future. Remember, the key is to act quickly and maintain thorough documentation throughout the process.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

Asked by Anonymous - May 21, 2024Hindi
Money
Hi sir I am 24 years old I am recently starting to learn about investing and I want to start an SIP but don't know where to begin and where to invest how much to invest and I want to build a Corpus around 5 to 10 crore so that I can retire early how much should I invest and how to diverse for the portfolio between any mutual funds are any other medium to retired the age of 45
Ans: It's fantastic that you're starting to learn about investing at 24. Starting early gives you a significant advantage. Your goal to retire early with a corpus of ?5 to ?10 crore is ambitious but achievable with the right strategy. Let's explore how you can start an SIP, decide where to invest, and diversify your portfolio effectively.

Understanding Systematic Investment Plans (SIP)
What is an SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in a mutual fund. This approach helps inculcate discipline, takes advantage of rupee cost averaging, and leverages the power of compounding.

Benefits of SIPs
SIPs allow you to start with a small amount, making it accessible for everyone. They provide the benefit of compounding, which means your money grows faster over time. Regular investments also reduce the risk of market volatility.

Setting Clear Financial Goals
Define Your Retirement Goal
To build a corpus of ?5 to ?10 crore by the age of 45, you need to plan meticulously. Define your goal clearly, keeping in mind factors like inflation and your future financial needs.

Determine Your Investment Amount
Deciding how much to invest monthly is crucial. You can use online SIP calculators to estimate the required monthly investment. These calculators consider expected returns and investment duration.

Choosing the Right Mutual Funds
Types of Mutual Funds
Mutual funds come in various types, such as equity, debt, and hybrid funds. Equity funds invest in stocks, debt funds in fixed-income securities, and hybrid funds in a mix of both.

Actively Managed Funds vs. Index Funds
Actively managed funds have professional fund managers who aim to outperform market indices through research and strategic decisions. Index funds, on the other hand, simply replicate market indices and lack the advantage of professional management. For higher potential returns, actively managed funds are often preferable.

Benefits of Regular Funds Through a CFP
Opting for regular funds through a Certified Financial Planner (CFP) provides professional guidance. They help in selecting funds that align with your goals, reducing the risk of uninformed decisions. Direct funds require more time and knowledge, which can be challenging for new investors.

Diversifying Your Portfolio
Importance of Diversification
Diversification spreads your investments across different asset classes and sectors, reducing risk. A well-diversified portfolio balances potential returns and risks.

Asset Allocation Strategy
An effective asset allocation strategy involves spreading your investments across equity, debt, and hybrid funds. Young investors can allocate a higher percentage to equity funds for growth potential, while including debt funds for stability.

Rebalancing Your Portfolio
Regularly review and rebalance your portfolio to maintain the desired asset allocation. This ensures your investments stay aligned with your risk tolerance and financial goals.

Steps to Start Investing in SIPs
Step 1: Choose the Right Mutual Funds
Research and select mutual funds that match your investment goals and risk appetite. Consider funds with a good track record and consistent performance.

Step 2: Determine the SIP Amount
Decide on the monthly investment amount based on your financial goal, time horizon, and current financial situation. Use SIP calculators to guide you.

Step 3: Start the SIP
Initiate the SIP through an online investment platform or with the help of a Certified Financial Planner. Set up automatic transfers to ensure regular investments without fail.

Additional Investment Options
Public Provident Fund (PPF)
PPF is a safe, long-term investment option with tax benefits. It suits conservative investors and provides a fixed return over the years. Including PPF in your portfolio adds stability.

Employee Provident Fund (EPF)
If you're employed, contribute to EPF. It offers tax benefits and is a secure investment. EPF contributions accumulate over time, providing a substantial corpus upon retirement.

National Pension System (NPS)
NPS is a government-sponsored pension scheme that offers tax benefits and a mix of equity and debt exposure. It's designed to provide a steady income post-retirement.

Avoiding Common Investment Mistakes
Avoid High-Risk Investments
High-risk investments, like certain stocks or speculative ventures, can jeopardize your financial goals. Focus on stable, diversified options for long-term growth.

Avoid Unnecessary Debt
Minimise unnecessary debt. High-interest debts can eat into your savings and investments. Prioritise paying off existing debts before increasing your investment amounts.

Stay Disciplined
Staying disciplined in your investment journey is crucial. Regularly invest through SIPs, avoid impulsive financial decisions, and stick to your financial plan.

Monitoring and Reviewing Your Investments
Regular Review
Regularly review your investment portfolio to ensure it aligns with your goals. Monitor the performance of your mutual funds and make necessary adjustments.

Seek Professional Guidance
A Certified Financial Planner can provide valuable insights and help you navigate market changes. They ensure your investment strategy stays on track to meet your financial goals.

Conclusion
Starting your investment journey with SIPs at 24 is a wise decision. By defining clear financial goals, choosing the right mutual funds, and maintaining a disciplined approach, you can achieve your dream of early retirement. Diversifying your portfolio and regularly reviewing your investments are crucial steps to ensure steady growth and mitigate risks.

Your ambition to retire early with a corpus of ?5 to ?10 crore is within reach. Stay informed, stay disciplined, and seek professional guidance when needed. Your future financial independence will be the reward for the efforts you put in today.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

Money
Hello Sir I am Lalit I am 30 years Old and I working in a call centre industry as a customer care executive my annual income is 3,00,000 But I didn't have any savings i don't know where i can invest to start my journey towards Achive my financial goal I want ti because am financially independent person
Ans: Hello Lalit, thank you for reaching out. It's commendable that you're seeking to improve your financial future. Your annual income is ?3,00,000, and you currently have no savings. This is a common situation, and it's never too late to start.

Being a customer care executive in a call centre is demanding work. Balancing your job and financial planning shows great initiative. Let's explore steps you can take to start saving and investing effectively.

Establishing a Solid Financial Foundation
Track Your Expenses
Start by tracking all your expenses for a month. This will give you a clear picture of where your money is going. You can use a notebook or a budgeting app. Understanding your spending habits is the first step towards saving.

Create a Budget
Based on your expense tracking, create a budget. Allocate funds for necessities, such as rent, groceries, and utilities. Set aside a portion for discretionary spending, and most importantly, earmark a part for savings.

Build an Emergency Fund
An emergency fund is crucial. Aim to save at least three to six months' worth of expenses. This fund will provide a safety net for unexpected situations, such as medical emergencies or job loss.

Starting Your Investment Journey
Educate Yourself
Before diving into investments, educate yourself about different options. Understand the basics of various investment vehicles like mutual funds, stocks, and fixed deposits. Knowledge is power when it comes to investing.

Mutual Funds: A Good Starting Point
Mutual funds pool money from many investors to invest in securities like stocks and bonds. They are managed by professional fund managers. This is a good option for beginners due to the diversification and professional management they offer.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers who aim to outperform market indices. They make decisions based on research and analysis, potentially yielding better returns. This makes them a preferable choice over index funds, which simply track market indices.

Systematic Investment Plan (SIP)
A SIP allows you to invest a fixed amount regularly in a mutual fund. It instills discipline, helps in rupee cost averaging, and is suitable for individuals with a steady income like yours. Starting with a small amount can build a substantial corpus over time.

Insurance: Protecting Your Future
Life Insurance
Life insurance is essential to protect your family's financial future in your absence. Term insurance is a good option as it provides a large cover at a low cost.

Health Insurance
Health insurance protects against medical emergencies. Choose a plan that covers a wide range of illnesses and has a good network of hospitals.

Planning for Retirement
Employee Provident Fund (EPF)
If your employer offers EPF, ensure you contribute to it. It's a safe investment and offers tax benefits. The EPF accumulates a significant amount over the years due to compound interest.

Public Provident Fund (PPF)
PPF is another secure and tax-saving investment option. It has a long lock-in period, making it suitable for retirement planning. The interest earned is tax-free.

Assessing and Adjusting Your Portfolio
Regular Review
Regularly review your investments. Ensure they align with your financial goals. Adjust your portfolio based on market conditions and personal circumstances.

Avoid Direct Funds
Direct funds require more time and knowledge to manage. Opting for regular funds through a Certified Financial Planner (CFP) ensures professional management and guidance. This reduces the risk of making uninformed decisions.

Avoid Common Pitfalls
Avoid High-Risk Investments
Steer clear of high-risk investments, especially early in your investment journey. Focus on building a solid foundation with safer, diversified options.

Avoid Unnecessary Debt
Avoid taking on unnecessary debt. High-interest debt can derail your financial plans. If you have existing debt, prioritize paying it off.

Developing a Long-Term Strategy
Set Clear Goals
Set clear, achievable financial goals. Whether it's buying a home, funding education, or planning for retirement, having goals helps in creating a focused investment strategy.

Stay Disciplined
Discipline is key in financial planning. Stick to your budget, regularly invest, and avoid impulsive financial decisions. Consistency will yield significant results over time.

Conclusion
Lalit, your journey towards financial independence begins with understanding your current financial situation and making informed decisions. By tracking expenses, creating a budget, and building an emergency fund, you lay a strong foundation. Investing in mutual funds through SIPs, securing insurance, and planning for retirement are critical steps. Regularly reviewing your portfolio and avoiding common pitfalls will keep you on track.

Remember, financial planning is a marathon, not a sprint. Stay patient, stay informed, and stay disciplined. Your future self will thank you for the efforts you put in today.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Anu

Anu Krishna  |886 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 21, 2024

Asked by Anonymous - May 10, 2024Hindi
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Relationship
I am 37 year woman still trying to clear competitive exams. I am doing these and facing all challenges of life so that i can guide my future offerings well and be a better parent. I have never had serious relationship jst a little bit talking on the phone and social media and nothing more. This is because i am having plenty of body hair in my body and want to get rid of them permanently befire entering into serious relationship and was thinking of doing it after reaching a decsent place i mean careewise. But my decision is taking plenty of time . Plus no emotional support from closed ones is taking toll in my mental health. And a feeling of lagging behind in all aspect oflife is causing me unrest. Pls suggest
Ans: Dear Anonymous,
The day you start accepting yourself and loving yourself for who you are, that's the day you will see changes in your life.
You are unhappy with your appearance, you feel inadequate with your academic strengths, you are unsure about how to take care of your emotional health, you feel like you are lagging in all aspects of your life...
Can you spot a pattern of non-acceptance here?
Having said that, when you see gaps in any area of your life, you don't go around feeling sorry for yourself but lay down a plan to fill that gap. One by one you can fill those gaps and then feel happy that things are moving in your favor.
Also, everything in life moves on in parallel and not sequentially. So, to wait to make a decision till something happens or not, will only push you back or keep you stuck. Free yourself by having more useful and positive thoughts and move in a positive dierction.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |886 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 21, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Before delivery daughter in law was treated well. But now after delivering a son the mother in-law behaves its her son and does all nonsense things like cleaning the 5 months child with ear bud. Making hole with needle in milk bottle. Interfering every now and then asking about how many times child peed or does potty. Whether i breastfeed or not. Because of the stress he stopped taking breastmilk and my hypothyroidism turned to hyperthyroidism. I feel low and depressed every now and then. How to deal with this situation.
Ans: Dear Anonymous,
This is where you put draw the line...how you raise your child must be your business but at times in a joint/extended family system this can be a bit difficult as everyone has a say in what you do or don't do.
What has happened has happened; now take charge of what you must do first to take care of yourself and your state of mind. This will help you care for your baby better.
Request your husband/partner to step in support you every time his mother gets demanding or intrusive. Another thing you can do is ask an elder female member of your family to come in to help. She can be effective in taking over the role that your mother-in-law has been doing for the child and then pass it on to you. This will ensure that you do not get into an argument or a conflict situation at home. But to maintain a certain equation with your mother-in-law, do involve her where you feel it's right so that she feels included as well.
So, take care of your health first and then start taking charge of raising your child.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ramalingam

Ramalingam Kalirajan  |2838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

Asked by Anonymous - May 21, 2024Hindi
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Money
Hi sir...am a 34year old working women and a mother of girl child.Earning 55000 per month. my husband is currently not working.Could you suggest best Sip plan which will be secure for my girl child
Ans: Strategizing Secure SIP Plans for Your Girl Child's Future

As a caring mother and conscientious investor, you're keen on securing a stable financial future for your daughter. Let's navigate through potential SIP plans tailored to safeguard her interests and foster long-term financial growth.

Understanding Your Financial Landscape

Primary Earner with Family Responsibilities: Your role as the primary breadwinner, coupled with your husband's current unemployment, underscores the importance of prudent financial planning to ensure the well-being of your family, particularly your daughter's future.

Steady Monthly Income: Your monthly income of INR 55,000 provides a stable foundation for initiating systematic investment plans (SIPs) aimed at accumulating wealth for your girl child's education, marriage, or other life milestones.

Crafting a Secure SIP Strategy

Risk Appetite and Investment Horizon: Given your familial responsibilities and the significance of your daughter's financial security, prioritize SIP plans with a balanced risk-return profile tailored to her long-term investment horizon.

Diversification and Asset Allocation: Embrace a diversified portfolio comprising equity, debt, and hybrid SIPs to mitigate risk and optimize returns over the investment tenure. Allocate funds based on your risk tolerance and the desired level of growth potential.

Selecting SIPs with Proven Track Records: Opt for SIPs managed by reputable fund houses with a history of consistent performance and adherence to robust investment strategies. Research and compare SIP options across different categories, considering factors such as fund manager expertise, expense ratios, and historical returns.

Flexibility and Customization: Choose SIPs that offer flexibility in investment amounts, allowing you to adjust contributions based on evolving financial circumstances. Customization ensures adaptability to changing market conditions and personal financial goals.

Navigating Through Investment Options

Equity SIPs: Equity-oriented SIPs offer the potential for long-term wealth creation, albeit with higher volatility. Select well-established equity funds with a proven track record of delivering competitive returns while managing downside risks effectively.

Debt SIPs: Debt SIPs provide stability and capital preservation, making them suitable for conservative investors seeking steady income and capital protection. Consider debt funds with high credit quality and diversified portfolios to minimize credit risk and volatility.

Hybrid SIPs: Hybrid or balanced SIPs offer a balanced blend of equity and debt exposure, striking a harmonious balance between growth potential and risk mitigation. Opt for hybrid funds with dynamic asset allocation strategies to capitalize on market opportunities while safeguarding against downturns.

Conclusion

In conclusion, by prioritizing secure SIP plans tailored to your daughter's future financial needs and risk profile, you can navigate the intricacies of investment management with confidence and foresight. By adhering to a disciplined investment approach, leveraging diversification, and selecting SIPs with proven track records, you can lay the groundwork for a bright and prosperous future for your beloved girl child.

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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