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Black magic, depression, and unwanted marriage: Should I live or die?

Anu

Anu Krishna  | Answer  |Ask -

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

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
Nadmeen Question by Nadmeen on Sep 05, 2024Hindi
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Relationship

Hello mam i am 23 and whaen i was 19 i had physical relationship with a guy who done black magic to me and has my photo with him he says he love me and want to marry me but i dont rejected it after that he tell everyone about it now i am totally depressed what should i do whether i live or die

Ans: Dear Nadmeen,
I don't know about black magic BUT I do know that as a girl you need to become stronger. Why would you waste your time and life over a 'loser'?
Surely you deserve better than this guy, yeah? Living in fear that he is going to do something etc may just be your way of protecting them. Be around positive people, focus on your studies and have a goal for the future. Tuning the mind on creation rather than fear helps a lot in changing the way that you feel now.
And most importantly, learn to love yourself. You are your most important person and never waste time on people who don't deserve you.

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

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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hi Anu I am 30 years old. I have done LLB and was not interested to practice in court so I tried to get a private job but I didn't get any. Then I decided to start preparing for a government job but I missed it. I started to doubt myself. I even had suicidal thoughts this was started when I was very little something happened to me when I was 16 since then I tried to kill myself and also tried to get involved with one of my friends in college. He liked me so much so we started having relationship. When intimacy started I became nervous and afraid. It is like itching. I want to run and hide in a safe place. He was very firm and honest and humble but didn't work out. After that so many proposals came. I declined. Now my family wants me to marry. I don't know if the husband would understand and give me some time to get involved with him. I don’t know what life after marriage would be. I am a girl with absolutely no achievement and am not proud of anything in my life. My parents are disappointed in me but they never show. What should I do? Pls do not disclose this
Ans:

Dear JV,

It’s possibly the incident that happened to you (which I understand that you haven’t shared here) is preventing you from having a fulfilling life.

I can only say that the incident happened in the past, but you are living it even now.

You were a victim in that incident, but to continue to play the victim even now is to give your power away.

How can you be happy by giving your inner power away every day and every moment?

Reclaim your life.

What’s happened can be blurred by moving away from that incident and reminding yourself that you are far away from the past and in the NOW.

  • Be grateful to what you have in the present
  • Make a list of your strengths
  • Write down your goal clearly by stating by when you want to achieve it

Remember bringing your past into the current time robs you of any goodness; professionally or personally.

So, to see something change, change the way you feel about your past.

Step out of the victim mode and become a person who has the power to change things at will.

I am sure you want to see how this pans out for you.

So, what are you waiting for? Step up and bring that newness of thought into your life.
All the best!

..Read more

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 10, 2024Hindi
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Relationship
Hi mam, I was in a relationship with a guy for 3 months he was uneducated but I’m a S.E. Initially everything was fine but later he started like u should not talk with other boys you should not go there you should not wear this kind of dress, I’m your husband so you should listen to me whatever I say u should do that like he started. Then he started mentally abused with so many bad words nd he slapped me twice. So I decided I don’t want to be in this relationship so I said him. Then he kept some fellows to follow me to check wat I’m doing where I’m going to get all these details. And then he said I will show both of our to your family, I will kill you like this he started. Now it is almost 2 year I’m leading my life but sometimes he will call me he will threaten me I don’t know what to do how to overcome this I can’t tell to my family I’m depressed can u please tell me what I have to do
Ans: Dear Anonymous,
Are you married? Because he said that he is your husband...I am confused...

Anyway, NO, he has no business controlling you this way...Emotional and Physical Abuse is a strict NO NO...
Tell your family and do that NOW!!!!!!!
This man seems to be acting in a violent manner and your safety should be more of a concern...it was 2 slaps, then after that? When you did not protest for that, he simply has got the message that violence is okay with you...
No, it's not okay, right? And that's why you wrote on this platform...

Do the right thing for yourself...Protect yourself from this person first! Threats of killing you did not set off alarm bells? Why are you still letting him off so easy? This is NOT love...he is just a familiar person to you.
Familiarity does not mean Safety!!!!!! (Read this again)...

Involve your family and let him know that you are not alone; he will stop his threats knowing that you will respond to the rubbish he is subjecting you to! Speak with your family...

All the best!
Dear Anonymous,
No, Age is not so important in a marriage; but if it isn't, then why did you hide the fact of your real age? You have givem it that importance enough to hide it, yeah?
And any relationship based on lies or a hidden fact can cause damages...
The only way that I can see is work with the Counselor and appeal to your husband as well. Tell him that your child needs the love of both parents. Hear what he has to say...and yes, he is bound to bring up the age factor over and over again...it is something that he feels cheated with...so, respect it...Like I said, Apologize like you really mean it...

And oh, why are you so bothered about how he will treat other women in his life? Just focus on your life and your marriage...

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

Kanchan

Kanchan Rai  |552 Answers  |Ask -

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

Asked by Anonymous - Oct 21, 2024
Relationship
In 2023 I had met a boy .We have become friends and later on we developed feeling for each other.Then we decided to get into relationship and that would be temporary because I belong to orthodox family and he was not interested in marriage.We went through physical things and everything was fine until I started getting matches for my marriage.Then we had fight and later on the match got cancelled due to groom's intrest.still I was in relationship.Then I got another match in 2024april.I agreed to the match and said it's time we need to stop our relationship.He didn't agree for that and said I need to stay in the relationship until may or else he will send our private pictures to my family and fiancee family.Due to some reason I couldn't meet him in the may month so he extended upto aug .In between he has tortured me that I should not talk with my fiancee also forced me for physical things .I am extremely devastated and tried to take my life for three times.Later on he increased time until October and I lost my patience told my cousin brother about this in September.He spoke with the guy and said you should move on she is not interested in you now One day he texted my mom about us and I got extremely tensed and worried so I have spoke with his parents also my brother did.They said they will talk with him and I felt it was relief .Then a week later he started txtng me again that I have cheated him and he will commit suicide and write my name as reason .I didn't reply for that .Later on he again sent me message that He loves me and want to marry me .I said I don't want to marry you.Now am feeling extremely scared and tensed as marriage is in November and he would stop my marriage.Please help me I don't know what to do.I don't want him in my life as he has tortured me a lot.I am extremely scared of him now I have lost all my feelings.Also he has all my family contacts and my fiance contracts.Please help me .pleaseee
Ans: What you’re describing is a clear form of manipulation and abuse, and no one deserves to be treated this way. First of all, it’s crucial to recognize that his behavior—using threats, emotional blackmail, and manipulation to control you—is not only wrong, but it's also abusive. This situation is likely causing you a lot of fear, anxiety, and distress, and it’s completely understandable that you feel overwhelmed. But you don’t have to face this alone, and there are steps you can take to protect yourself.

The first thing I would advise is to take your power back emotionally. His threats are designed to make you feel like you’re trapped, but the truth is, he’s the one in the wrong, and what he’s doing can be dealt with. I understand that he’s threatening to expose your private photos and contact your family, which feels terrifying, but this is actually a form of blackmail and is illegal. The important thing to remember is that you are not responsible for his actions, nor his threats, and you have every right to protect your life, your dignity, and your peace of mind.

It’s also clear that he’s trying to emotionally manipulate you by saying he will harm himself if you leave. This is another form of abuse, and it’s important to recognize that you cannot control or be responsible for his decisions or behavior. People who make threats like this often do so as a way to trap the other person, but it is not your burden to carry. If you continue to allow his threats to control your decisions, it could lead to further emotional and psychological harm.

Now, I know you’re scared, especially with your marriage coming up in November, and you’re worried that he might do something to sabotage it. This fear is completely valid, but you don’t have to let him hold this power over you. It’s really important to bring in support from trusted people in your life. You’ve already involved your cousin, which was a great step, and you’ve tried to communicate with his parents, but it’s clear that more needs to be done.

At this point, I would recommend involving someone in a position of authority, whether that’s the police, a legal professional, or even a women’s protection organization in your area. In many countries, including India, there are specific laws protecting women from blackmail, harassment, and abuse. If you don’t feel comfortable going to the police on your own, you can ask your cousin, brother, or another trusted person to support you through this process. You can explain that this individual is threatening you with your private photos and trying to manipulate you into staying in a relationship, which is a crime.

On an emotional level, I know how hard it must be to face this kind of stress, especially when you’re preparing for a new chapter in your life with your fiancé. But it’s crucial to not let fear paralyze you. Instead, take it one step at a time. By telling the truth to the right people, such as your cousin or fiancé, you’ll likely find more support than you realize. I know it feels like everything might collapse if he exposes your relationship, but staying silent often gives him more power. The moment you start taking action, you will regain control over your life.

I would also recommend considering some professional emotional support for yourself, like speaking with a therapist or counselor. It sounds like this has taken a heavy toll on your mental health, and you’ve already been pushed to such an extreme point that you’ve considered self-harm. This is a sign that you need emotional support to help you cope with the trauma of what you’ve been through.

..Read more

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Mutual Funds, Financial Planning Expert - Answered on Mar 10, 2025

Asked by Anonymous - Mar 08, 2025Hindi
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I will be retiring from my present pvt company job in April' 25. I have corpus about 40 L. Please advise, where to invest securely to get better monthly income from May' 2025 alongwith growth of capital amount to combat the market inflation in every year. My monthly requirement of fund is about 30 K.
Ans: You will retire in April 2025 with a corpus of Rs 40 lakh. Your goal is to get a steady monthly income of Rs 30,000 while ensuring your capital grows.

A secure investment strategy is essential. It should balance income, safety, and growth.

 

Key Challenges in Your Retirement Plan
Generating a stable monthly income without depleting capital.

Beating inflation so that income remains sufficient.

Minimising risk while getting reasonable returns.

Ensuring liquidity for unexpected expenses.

 

Dividing Your Corpus for Stability and Growth
Your corpus should be divided into different categories. Each category serves a purpose.

 

1. Emergency Fund – Rs 5 Lakh
Keep Rs 3 lakh in a high-interest savings account.

Keep Rs 2 lakh in a liquid fund for better returns.

This fund helps handle unexpected expenses without touching investments.

 

2. Monthly Income Fund – Rs 25 Lakh
Invest in a mix of debt mutual funds and conservative hybrid funds.

These funds offer better returns than bank FDs.

Withdraw Rs 30,000 per month using a Systematic Withdrawal Plan (SWP).

This ensures stable income while keeping the capital growing.

 

3. Growth-Oriented Fund – Rs 10 Lakh
Invest in a balanced mix of equity mutual funds.

This helps to beat inflation and grow wealth over time.

Do not withdraw from this fund for at least 7-10 years.

This will help in long-term capital appreciation.

 

Why Not Rely Entirely on Fixed Deposits?
Bank FDs give lower returns than inflation.

Tax on FD interest reduces post-tax returns.

Debt mutual funds offer better tax efficiency and higher returns.

 

Why Avoid Index Funds?
Index funds only follow the market and cannot adjust to downturns.

Actively managed funds are handled by professional fund managers.

These funds can reduce losses in a falling market.

They offer better long-term returns than index funds.

 

Why Not Invest in Direct Mutual Funds?
Direct funds require constant tracking and decision-making.

Investing through an MFD with CFP credentials ensures better fund selection.

A Certified Financial Planner (CFP) helps in portfolio rebalancing.

This reduces investment mistakes and improves long-term returns.

 

How to Manage Inflation Every Year?
Increase your withdrawal amount by 5-6% per year.

Keep a portion in equity funds for growth.

Do not withdraw from growth-oriented funds in the first 7-10 years.

This ensures your capital lasts longer and grows.

 

Rebalancing Your Portfolio Regularly
Check investments every year.

Move money from growth funds to income funds when needed.

Adjust withdrawal amounts based on expenses and market conditions.

 

Finally
Your plan should ensure financial security and peace of mind. A well-diversified portfolio will help you get a stable income while growing your wealth. A Certified Financial Planner (CFP) can help you optimise this strategy.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8092 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 10, 2025

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I am new to this mutual fund since last 6 month.i have been doing a sip of 18k per month.. parag parikh flexicap 5k uti nifty 50 5k motilal oswal midcap 2.2k nippon small cap 1.5k quant small cap 1.5k jm flexicap 1k icici prudential fund 2k is these good.i have a plan of 15 yr investment with 10 percent step up each year..kindly opine
Ans: You have started SIP investing six months ago. Your monthly SIP is Rs 18,000 across different mutual funds. You also plan to increase investments by 10% each year. A long-term plan of 15 years is a good approach.

 

Strengths of Your Portfolio
You have chosen a mix of flexi-cap, mid-cap, and small-cap funds.

A 15-year investment horizon allows compounding benefits.

The 10% annual step-up increases the final corpus.

You are investing consistently, which is important for long-term success.

 

Areas That Need Attention
1. Too Many Funds in the Portfolio
You have seven different funds.

Some categories are overlapping, reducing diversification benefits.

A leaner portfolio can be easier to manage.

 

2. High Exposure to Small-Cap and Mid-Cap Funds
You have three funds in small-cap and mid-cap segments.

Small caps are high-risk, high-return investments.

Too much exposure can increase volatility.

 

3. Index Fund is Not the Best Choice
Index funds do not beat the market in all conditions.

Actively managed funds adjust to changing markets.

A professional fund manager can reduce downside risks.

 

Suggested Portfolio Improvements
1. Reduce the Number of Funds
Keep 3 to 4 well-managed funds instead of seven.

Choose one flexi-cap fund, one large-cap or multi-cap fund, and one mid/small-cap fund.

 

2. Balance Between Risk and Stability
Reduce exposure to too many small-cap funds.

Add a large-cap or multi-cap fund for stability.

 

3. Invest Through a Certified Financial Planner (CFP)
Direct funds require constant tracking.

A Certified Financial Planner (CFP) can guide investment decisions.

Investing through an MFD with CFP credentials ensures professional fund selection.

 

Reviewing Your Plan Regularly
Check your portfolio every year.

Rebalance if some funds underperform.

Maintain discipline and avoid emotional decisions.

 

Finally
Your investment strategy is good, but reducing the number of funds can improve returns. Focus on diversification, balancing risk, and expert guidance. A 15-year SIP with step-up can create wealth, but regular reviews are essential.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8092 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 10, 2025

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Hello...I am planning to construct a home in next 5 years. My monthly salary is only 35000. I dont have any idea how to make my dream into a success. Please give me an idea how I can save my money to make a home with a budget of 30 lakhs.
Ans: Building a home is a big financial goal. You want to construct a house worth Rs 30 lakh in 5 years. Your monthly salary is Rs 35,000. With the right savings and investment plan, you can make this dream a reality.

 

Step 1: Understanding the Total Budget Requirement
The house construction cost is Rs 30 lakh.

You will need to save or arrange this amount in 5 years.

Costs may increase due to inflation.

Having a buffer amount is important for unexpected expenses.

 

Step 2: Evaluating Your Savings Capacity
Your monthly income is Rs 35,000. The goal is to save a portion consistently.

 

First, identify your essential monthly expenses.

Reduce unnecessary spending to increase savings.

The more you save, the less you need to borrow.

 

Step 3: Creating a Dedicated Home Fund
Open a separate investment account for home savings.

Invest in growth-oriented mutual funds.

Avoid keeping all money in fixed deposits due to lower returns.

 

Step 4: Choosing the Right Investment Strategy
A 5-year investment plan should have a balance of growth and safety.

 

1. Avoid Index Funds and ETFs
Index funds cannot adjust to market risks.

Actively managed funds perform better in volatile markets.

 

2. Avoid Direct Mutual Funds
Direct funds need market tracking and knowledge.

Investing through a Certified Financial Planner (CFP) ensures proper management.

 

3. Maintain Liquidity for Construction Costs
Keep some funds in liquid investments for easy access.

Avoid locking money in long-term illiquid assets.

 

Step 5: Considering a Home Loan as an Option
If saving Rs 30 lakh is difficult, a home loan can help.

 

Banks may provide up to 80% of the home cost.

Your EMI should not exceed 40% of your income.

Higher down payment reduces loan burden.

A shorter loan tenure saves interest costs.

 

Step 6: Cutting Expenses to Boost Savings
Reduce unnecessary spending like eating out and entertainment.

Avoid impulse purchases.

Use discounts and cashback options to save more.

A simple lifestyle today helps in building your dream home sooner.

 

Step 7: Reviewing Your Plan Every Year
Track savings and investments regularly.

Adjust plans if income increases or expenses change.

Consult a Certified Financial Planner (CFP) for guidance.

 

Finally
A Rs 30 lakh home in 5 years is possible with proper planning. Focus on consistent savings, smart investments, and controlled spending. If needed, a home loan can bridge the gap. With discipline and patience, your dream home can become a reality.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

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