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Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 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
. Question by . on Jun 05, 2023Hindi
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Relationship

Dear Health Guru, Due to frequent uncalled for arguments and unnecessary pinching comments and not-likeable behaviour with myself,I started avoiding talking with elder sister on phone and visiting her place.I feel better without interaction and avoiding meeting her.This is not liked by my father to whom she complained about my not talking to her.As a result,he bullied me which really was upsetting.Recently,my sister visited us and she told me in a dictating voice that I am depressed that's why I don't talk to her.I felt so bad hearing her comment because I told her clearly many times that I don't like her way of treating me and her negative way of behaviour doesn't go well with me so I don't like to listen to her talks. My query--Should I please myself by avoiding interactions with her or should I please sister and father who label me depressed just because I dont like to involve in drama of sister? Please advise regarding my peculiar situation.Thanks for your response in advance.

Ans: Dear Anonymous.
Core relationships within the family are important and necessary for us to lead a happy life. We feel our sense of belonging within our core relationships.
Avoiding these relationships is not the way to cope with them as it will eat into your mind which is what is happening with you. Also understand that at times core relationships may not be very fulfilling and kind like the way you would want them to be.

So, expectations v/s reality...In reality, you do not share a very cordial connection with your sister and your father disapproves of it which makes you feel unloved. But that is the reality for now; what you can do is ignore the drama your sister is pulling you into...sometimes ignoring (not avoiding) teaches the other person how to behave with you in future. And if your father acts immature about it, politely tell him to stay out of it and that it is between you and your sister. Reclaim you place by increasing your worth in your eyes; that will help you navigate through difficulties in relationships. Things will begin to change either for the better or it will be at a neutral place where there is not much affection but there will be no anger between you and your sister.
Accept what it leads you to and be graceful about it. Difficult to do, but that's the only way you will be peaceful. Do remember, you always have a choice in whether you want to be in the drama created by someone else. Make that wise choice.

All the best!

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Kanchan

Kanchan Rai  |496 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 08, 2023

Asked by Anonymous - Jul 08, 2023Hindi
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Relationship
I am 48 year old woman married for last 23 years. I live in a joint family with in laws and a unmarried sister in law of my age. I have two children, daughter aged 19 and son 16. My in laws did have cordial relationship among them and always lived in separate room. My sister in law also has severe depression and due that she is unmarried. Husband had a good job before pandemic but is not willing to work from last four years and is sitting at home. I don't have good relationship with my sister in law from day one without any reason. She finds faults with me. My in laws do not admit that sister in law has any depression. We don't have any social life. My in law does not let any one come in the house. This has taken a toll on my daughter who does enjoy social and avoids any interaction. My sister in law keeps on playing with strays dogs bringing them in the house and so my daughter. I am a working woman. I am very worried concerned and worried about my daughter although I have sent her in the hostel. The son is much affected and concentrating on his studies. Please help me.
Ans: I'm sorry to hear about the difficulties you're facing in your family. It seems like you're dealing with multiple challenges, including a strained relationship with your sister-in-law, your husband's unemployment, your in-laws' unwillingness to acknowledge your sister-in-law's depression, and the impact all of this is having on your children.

here are some suggestions that might help improve the situation:

Communication: Try to have an open and honest conversation with your husband about your concerns and the impact his unemployment is having on the family. Express your feelings and discuss possible solutions together.
Seek professional help: Encourage your sister-in-law to seek professional help for her depression. Offer your support and understanding, and let her know that you care about her well-being. If she is unwilling to seek help, you may want to consider talking to a mental health professional yourself for guidance on how to deal with the situation.
Family meeting: Arrange a family meeting involving your husband, in-laws, and possibly your sister-in-law (if she is willing). Share your concerns about the strained relationships and the negative impact on your children. Try to find common ground and work together to establish healthier dynamics within the family.
Establish boundaries: Talk to your husband and in-laws about the need for personal space and privacy. Explain how it's affecting your daughter's social life and well-being. Encourage them to be more open to allowing visitors and social interactions within reasonable limits.
Support for your children: Continue supporting your daughter and son by providing a nurturing and understanding environment. Encourage your daughter to explore her interests and engage in social activities outside of the family. Consider involving them in extracurricular activities, clubs, or organizations that align with their interests to help them build a supportive social network.
Seek external support: If the situation doesn't improve, consider reaching out to a therapist or counselor who can provide guidance and support to you and your family members. They can help you navigate through the challenges and offer strategies for coping with the situation.
Remember that it may take time to resolve these complex issues, and it's important to prioritize your own well-being as well. Take care of yourself and seek support from friends or other family members who can provide a listening ear and advice during this difficult time.

..Read more

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 09, 2023

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Hi Anu...I dont want to be named but want to share my issues here with you to guidance. Im married and live with my wife and 2 year old son in Noida and my parents lives in some village in UP approx 500 Kms afar. My initial upbriging was done by my Grandparants at separate place till age of 10 so never got any chance to get along with my poarants very well as lived with them for only 4 years then shifted Noida. now the issue issus is my sister who is 5-6 years younger than me has been living with paranets since birth and became very arrogant and irresponsible in life as my parants never tried to correct her instead they always push me to get along citing Im older..she never even accepted my wife and even tried to conspire against my baby boy by filing my mothers mind for years. my parents married her 4 years ago but she dont spend even a month continuously at her inlawa and dont get along with them...she want to sta with my paranets as nobody bothers her in what she wants to do... when anybody try to make her realise that she is wrong she start threating them by saying that she will harm herself...actually she never does. My parents are getting older and dont want to see them suffer mentally and financially anymore but them cant come with me as they have take care of my Great Grandparents..she is too proud to say sorry to me for things she has done but my parents emotionally blackmailing to to talk to her....what should I do...
Ans: Dear R,
Obviously your parents have no clue that their over indulgence in your sister and her life is causing her misery. Their relationship is unhealthy and they are unaware of it...things are sure to go downhill until one of them pulls back...in this case, the ideal thing would be for your parents to pull back and cut financial and emotional support till she starts behaving like an adult and become accountable for herself and her life.
Some people just don't want to grow up...and that is because they have parents or parent figures who fill in their every need and fulfil their every want.
This becomes a habit and when they don't get what they want, they will threaten just like your sister does...she basically likes playing the 'child' and hence your parents are never out of their responsibility of parenting...make them aware that it is enough and a tough stance will set her right and help her build her life.
A grown up must be one and just keep the child alive in them...but here your sister just wants to be the child and keep happily playing thar role as the parents are allowing it...kindly intervene and help your parents understand and do the right thing for their daughter...

All the best!

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Kanchan

Kanchan Rai  |496 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 25, 2024

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my sister is not talking to me im in over dipression because of this i cant able consentrate on my busines . pls help me to talk with me .. important im heart patient she is doctor in gynocology .. she is very close to my heart ..
Ans: Start by gently reaching out to her. Since she’s close to your heart and knows your health condition, a sincere, heartfelt message might be the best way to open the door to communication. Write her a letter or a text where you honestly express how much you miss her and how deeply her absence is impacting you. Let her know how important she is in your life, not just as a sister but as a vital emotional support.

Explain that you’re feeling overwhelmed and that your current stress and sadness are affecting your health and your ability to concentrate on your business. She might not realize the full extent of how her not talking to you is affecting you. Sometimes, people need to hear directly how their actions (or inactions) are impacting others.

Make sure to approach her without assigning blame or bringing up past conflicts, if there are any. Focus on expressing your feelings and your need to reconnect. Emphasize your desire to understand any reasons behind her distance and your hope to work through them together.

It might also be helpful to give her some time and space to process your message. Doctors often have very busy and stressful lives, and she might be dealing with her own pressures.

Ultimately, the goal is to reopen lines of communication with kindness and understanding. Reaching out with a genuine, open heart can often be the first step in healing a strained relationship. If things don’t resolve quickly, consider seeking the help of a counselor or mediator to facilitate the conversation.

Take care of yourself, especially considering your heart condition. Surround yourself with supportive friends or family who can help you through this difficult time.

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Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 08, 2025Hindi
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Relationship
My parents come from struggling families and have given us best of whatever they could afford. My mother prefers my youngest brother over us her two elder daughters and she does this very vividly since childhood. My elder sister is very vocal about all these issues and but is very rude and weird. She uses swear words and verbal abuses to parents and takes extreme steps which highlights her in wrong light in front of whole family. Even I used to think that she is ill mannered and selfish that is why she behaving in such manner. Now I am also going through that phase. I will share one instance. I have got my phd thesis review and I have to submit them ASAP. My parents almost dragged me from my husbands house stating to everyone that my 8 month old baby needs sunlight exposure and i need time for addressing my review. But I have been here for more than a week, both my parents are super busy with their own routine. Though they are retired but they have adapted to fill their day. They are very rigid with their schedule. And after coming here I seem to be the extra burden on them. They don't give us time except few moments here and there. I was busy there and i am busy here taking care of my baby, no time for my work. I am frustrated now as I cannot leave suddenly. It would reflect very bad in front of everyone. But i am realizing what my elder sister went through. My mother does not cook for me. My brother came for two days. She cooked all three meals FoR him. She left me And cornered me very silently. I don't want to fight or yell. But i am shocked, sad, frustrated as I am still breastfeeding my baby. I am already super busy with him. I get to eat around 3 or 4 in the evening. I dont want to share with people around as it will malign my parents image. i am troubled because almost all of my energy is going in controlling myself from bursting in tears or stopping myself from screaming or yelling at my parents. or from leaving this place in anger. i want to utilise my energy in a better manner. kindly help How to tackle this situation.
Ans: Dear Anonymous,
Go back to your home with your baby and literally 'mind your own business'. I say this only because you seem to be spending time with things that don;t need your time. For instance: your breast=fed baby needs you more than what you parents did or did not do thinking, right?
Bring your attention to what is at hand and right now to keep your emotional sanity intact, I would suggest that you take some time-off of your parents, go back to your home and experience the joys of motherhood. That's utilizing your energy in a better manner. Makes sense?

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

Latest Questions
Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi
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Relationship
Hello..I met him on Jan 4 th of 2024.. this year he is not with me. We were in a relationship for almost 8 months. Everything was fine and blissful. Last December he told me he needs some time to decide about our relationship. First of all it was a blow to my confidence..I thought he will stay by my side no matter what it is. After a few days he told me he wants to move on. I was in no contact for 10 days. After I went back and called him..he told me he is talking with another girl and he likes her and going to marry her. My world was broken. The reason for this? Our horoscopes doesn't match also he brings up caste differences even though there is not much difference. We were each other's best friends cared and loved each other so much. Stood by eachother's tough times..I begged him I cried d...I lost all my self respect..I somehow wanted to keep him with me...but he threw me away. It pains a lot. I haven't recovered yet..but he is going to marry her very soon...the toughest part here is I have to see him everyday atleast for the next 6 months. How will I handle if he gets engaged? How will I handle when he gives out his wedding cards? I have big goals in life I want to achieve them. But I am terrified what if it all crumbles because of my inability to handle this pain and suffering? What should I do? Your suggestion is very much needed.
Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

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  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

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The seconds of time during taking action..I get into the overthinking/over-analysing thoughts... 1. Imaginative: Where I becom's the character & live life(see images, speak..) in those..like being rich,powerfull,disciplined,wife,kids....things which I want/perceive from social media...+ memos of past also.. 2. Stuck: Where I becom's a "OBJECT" & voices + images of brain guides me to quit task's when doing things/challenging...by saying.. *What this thing(task/book..) gonna benefit you? *Don't do it, you will do worse/fail..people gonna judge/laugh to you...look yourself!!..no good face, no good dress, u don't hv courage/skill to do that thing. 3. Coping: "Quit it" & use Mobile(songs,reels,yt videos..) to stop/distract myself from those dark clouds. i) What/How [solution] to don't get stuck in those next time. ii) How to use that overthinking for my advantage.. with hving control. iii) I tried to fill the possible voids by dress/looks but things were same..so it's internal.. What to do for that?
Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
- Sports
- Art work
- Meditation
- Breathwork
These are a few ways in which you can attempt to slow down the mind from racing thoughts. Once that happens, work on your self-talk to make it more useful where you start to direct yourself towards what you want to do.

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  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Money
Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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Money
I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.
Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...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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