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Anu

Anu Krishna  |1047 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 15, 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
Asked by Anonymous - Jun 09, 2024Hindi
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Relationship

Hie I need an advice about marriage, I am 28 years old and wants to marry a guy who is younger than me, however earns good salary. Also we are from different caste. I am afraid of having conversation about this with my parents and also I am confused that how to have this conversation with my parents. He loves me a lot and always support me. Also i got engaged with different person (arranged marriage), however that person broke the engagement and now I wont be able to trust and give chance to a new person to come into my life.

Ans: Dear Anonymous,
Why exactly did you get engaged with someone else when you say that you are in love with another person?
I don't get this...Have the conversation with you parents stating clearly what you want. Yes, your parents will and might oppose it for whatever reason, but if you and the boy are serious, then pursue it...
Then where is the question of a new person coming and your trusting etc. From your email/letter, one thing is clear to me is that: you have no idea what you want. You love someone and say that you want to marry him and then you go and get engaged to someone else and now you are wondering if you can trust someone new.
What is going on? What happens to your 'guy'? Are you serious about that relationship at all?
I think you really need to first sit and have a conversation with yourself and then talk to your parents, yeah?

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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Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Hi..I just saw your page and found this is the right page where I can get answer.. I am so confused and so my thoughts coming in my mind and noone in my life which I can tell. However, I found you hopefully you'll get my answer I want to marry with my partner but he is not earning as much and I'm also earning but we both started our career in 2023. And my parents wants I should get Marry with someone and he is searching. But I told my parents that I love someone but the issue is he is not from my caste that is not the big issue main issue is that my partner belongs from very nuclear family like his mother and sister is there and noone is there in his family and my parents also saying the boy is not earning a good salary and noone is there in his family how will you be happy and I don't think so he is good for you.. but my partner loves me so much he loves me till 6 years and he waited for me also. My question is that for getting a married is all this stuff matters ? My parents is arising so many questions somehow she denied..should I convince to my parents or they are saying right ??
Ans: The salary is not a problem, if he doesn’t have misplaced ego about his wife earning more than him; some men are broad-minded enough to even be proud of their wives earning more. Nor is caste; love has no fixed faith. But this nuclear family business is a red flag; I would strictly advice not living under the same roof with his mother and sister. There is bound to be friction. Then relations sour and your marriage gets strained. If he is willing to step out from under their shadow and live separately with you, and the money-making is not an issue for him, you’re making the right choice of partner. If either of the above is not realistic, I would suggest you stop trying to convince your parents and listen to what they have to say.

..Read more

Anu

Anu Krishna  |1047 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 11, 2024

Asked by Anonymous - May 20, 2024Hindi
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Relationship
Hi there, I have many things going in my life right now and I’m confused what to do, first thing I’m in a relationship with a man who’s 7 years older than me and is also not earning much, we are from different religions. Now as I’m 25 my parents are asking me to get married but some how I’m avoiding it, I’m currently living with them and I’m constant with growth in my career so they also want me to look for better opportunities. The thing is my boyfriend is also in the same city and I’m sad about going far away. He’s very supportive and motivates me to look further opportunities. But again my parents want an answer from me about marriage. And I discussed with my boyfriend as well and he understands that too but he doesn’t want to marry me.
Ans: Dear Anonymous,
When he does not want to marry you, then what makes you waste so much time on him?
Move on with your life; it's not about getting married like the way your parents intend BUT more a signal to yourself to stop in your tracks and focus on what's important to you; your life...

He can be a good friend still supporting you (If the two of you can find that maturity) and you will both be able to walk on your own paths which isn't happening now. When he is clear that he is not going to commit to it, it should be enough data for you to look into yourself and know that you are trying hard to make something happen that does not want to happen. Making sense here?

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  |1047 Answers  |Ask -

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

Asked by Anonymous - Jun 20, 2024Hindi
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Relationship
Madam i am 21 years old having a good post at central government as at erly age i got job and i joint it now i am 22 and having a boyfriend he is also central government officer and he is age 29 bu despite of the age gap the love bloomed and we are so in love with each other i told my family early tge condition and said that i want to marry him but my parents said after 25 we will ger u married but by sharing this at hone they are not having trust on mr and are being insecure and wants me to leave a government job and to come home because he is not from same caste and it will also be interstate marriage my family is having the fear of relatives and my mother us against of it they are saying intercaste marriage we will not support or accept continuously emotional blackmail to me trying to manipulate, brainwash me and abusing me emotionally verbally and physically. what should i do?
Ans: Dear Anonymous,
Inter-faith marriages are still a big NO NO in many homes and yours is not an exception. Like in many other cases, my suggestion has been that both sides must want to get to know the other person. Like your parents need to see a different side of your boyfriend to be willing to accept him.
What is it that he can bring in their daughter's life that will ease their concerns about his faith/religion?
So, your boyfriend must be willing to be patient and make efforts on his part to integrate into your family. It takes time, so be patient.
Now, for your job...do not confuse emotions and your job. Your parents feels that you might take drastic steps with your boyfriend and hence want you closer to home so that they can keep an eye on you. Address this concern by being mature and immersing yourself more into work that gives them the confidence that you are not about to do anything behind their back.
Addressing what bothers them is a better way out rather than trying to convince them...as the same issues will keep coming back if you force them to accept something. So, be patient and responsible for things to sort themselves out...

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

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Ramalingam Kalirajan  |5173 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

Asked by Anonymous - Jul 18, 2024Hindi
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Money
HI, I am 41 years old and want to start a SIP to give a return of 20 lakh in next 15 yrs for children education. which fund I should choose?
Ans: Goal Assessment

You aim to accumulate Rs. 20 lakh over the next 15 years for your children's education.

Starting a SIP is a smart way to achieve this goal.

Let's explore the best approach to meet your objective.

Investment Horizon and Risk Appetite

You have a long-term horizon of 15 years.

This allows you to take on more risk for potentially higher returns.

Equity mutual funds are suitable for long-term goals.

Types of Equity Mutual Funds

Large-Cap Funds: Invest in big, stable companies. Less risky but moderate returns.

Mid-Cap Funds: Invest in medium-sized companies. Moderate risk and returns.

Small-Cap Funds: Invest in smaller companies. High risk but high returns.

Flexi-Cap Funds: Invest across various company sizes. Balanced risk and returns.

Why Not Index Funds?

Index funds follow the market. They lack active management.

Actively managed funds aim to beat the market.

This offers potentially higher returns.

For your goal, actively managed funds are better.

Benefits of Regular Funds

Professional Management: Managed by experts.

Personal Guidance: Certified Financial Planner can guide you.

Better Performance: Regular monitoring and adjustments.

Choosing the Right Funds

Diversify across different types of funds.

This balances risk and reward.

A mix of large-cap, mid-cap, and small-cap funds is ideal.

Example Allocation Strategy

Large-Cap Fund: 40% for stability and steady growth.

Mid-Cap Fund: 30% for moderate growth.

Small-Cap Fund: 20% for high growth potential.

Flexi-Cap Fund: 10% for balanced growth.

Regular Monitoring and Review

Review your investments annually.

Adjust based on performance and changing market conditions.

Seek advice from a Certified Financial Planner regularly.

Benefits of SIP

Discipline: Ensures regular investment.

Rupee Cost Averaging: Buys more units when prices are low.

Compounding: Helps in wealth creation over time.

Why Avoid Direct Funds?

Direct funds lack personal guidance.

You miss out on expert advice.

Certified Financial Planners provide valuable insights.

Final Insights

Starting a SIP for your child's education is a wise decision.

Choose a mix of large-cap, mid-cap, small-cap, and flexi-cap funds.

Regularly review and adjust your portfolio.

Seek professional guidance to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5173 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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Money
I am a PSU employee. Now started getting EPFO pension after the age of 58 years. Where shall I show this amount received in ITR? In Salary Section or Income from other sources? If it is to be shown in the salary section, is the employer is the same as that of my current employee? Presently my age is 59 years and still working in the same PSU.
Ans: Receiving your EPFO pension after the age of 58 is a significant milestone. Given your current age of 59 and your ongoing employment with the same PSU, it's crucial to understand how to report this pension income correctly in your Income Tax Return (ITR).

Where to Report EPFO Pension in ITR
Salary Section vs. Income from Other Sources:
Income from Other Sources: EPFO pension is considered as "Income from Other Sources". This means it should be reported under this section in your ITR.
Reporting Details
Employer Details:
When reporting EPFO pension under "Income from Other Sources", you do not need to list your current employer as the source. The pension is disbursed by the Employees' Provident Fund Organization (EPFO), which acts as the payer.
Continued Employment
Working Beyond 58 Years:
Since you are still working in the same PSU, your current salary will continue to be reported under the "Salary" section of your ITR.
There is no overlap or confusion between the two sources of income.
Tax Implications
Taxable Income:
The EPFO pension is fully taxable as per your applicable tax slab.
Make sure to include the entire amount received in the relevant section to avoid any discrepancies.
Benefits of Correct Reporting
Compliance:
Correctly reporting your pension income ensures compliance with tax regulations.
This helps in avoiding any potential scrutiny or penalties from tax authorities.
Ensuring Accuracy
Double-check Figures:
Verify the pension amount received with the statements provided by EPFO.
Cross-check with your bank statements to ensure accuracy.
Professional Advice
Certified Financial Planner (CFP):
Consulting a Certified Financial Planner can provide additional insights into managing your retirement income effectively.
They can help you optimize your tax liabilities and ensure you are maximizing your financial benefits.
Insight into Pension and Salary Reporting
Separate Sources:
Keep your salary income and pension income distinctly separate in your financial records.
This clarity helps in maintaining accurate and transparent financial management.
Final Insights
Clear Distinctions:

Understand the distinction between salary income and pension income.
Report EPFO pension under "Income from Other Sources".
Professional Guidance:

Utilize the expertise of a Certified Financial Planner for comprehensive financial planning.
Ensure compliance with tax regulations to avoid any future issues.
Summary
Report EPFO pension under "Income from Other Sources".
Do not list current employer details for the pension.
Pension income is fully taxable.
Consult a Certified Financial Planner for optimal financial management.
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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