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Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 03, 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
Tapash Question by Tapash on Jun 22, 2023Translate

Hii sir/mam, i have been suffering Anxiety problem. If some one said something i used to over thinking. Please help me how to cure my problem.

Ans: Dear Tapash,
Overthinking happens when you try and control the result of anything/situation. These can be from a past event or a future happening both of which are not in your control.

The simple ways to move away from overthinking are:
1. Be in the NOW; start by paying attention to what you do...even if you are brushing your teeth, observe how you are doing it, how you drink of a cup of tea/coffee, how you travel to work
2. Focus on your breath; simply observe how your breath falls and rises
3. Spend time at parks and green places; you will find yourself calming down
4. Journal; every night before you sleep, write about your day - all good and not so good
5. Express gratitude; simply being thankful can change the patterns of thinking and help you calm down

Do this everyday for a month to notice a change that you will be happy about.
If you still find that things can better, seek professional help someone who has dealt with anxiety cases. But. the one month remedy does work wonders and continue even after that month to sustain the changes...

All the best!

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

Asked by Anonymous - Aug 07, 2023Translate
Dear Anu, I am an overthinker and an extremely anxious person. In fact I am so fearful of taking the next step in my life or my career that sometimes I get headaches, and feel restless in bed simply wondering if my action or decision will backfire. Is this normal? Or is it something I should be worried about? Can it be treated? What can I do to improve? Can you please help?
Ans: Dear Anonymous,
I will address this question in 3 parts
Part I
What causes overthinking?
- Any unpleasant event from the past or any expectation of an unpleasant event in the future happening causes anxiety/panic.
- To recover from the past experience or prevent a future occurrence goes into a mode of self-preservation whereby your thoughts LOOP one into another: If this happens, then that can happen and if that happened, what more can happen!
This is OVERTHINKING....predicating without adequate proof and projecting one situation into another.
This is our of your control OR locus of control...
Still why do you do it?
Because you want to move away from the pain a past event caused or a future event might cause. Who wants pain, right?

Part II
How much do I believe Overthinking?
Of course, the past event might recur, but you also know how to deal with it because you have already experienced it.
Of course, a future event might happen, but isn't it better to live in peace for NOW and actually think: I will cross the bridge when it comes
So doubt your thoughts that cause you to overthink

Part III
What can I do to change this habit?
Since you are aware as to the harm it causes you like headaches and restlessness, you know that this has to stop.
So, try this:
1. When you start to LOOP, doubt your thoughts and ask: Is this really true?
2. Journal about certain unpleasant experiences from the past
3. Remind yourself that you know what to do in any situation
4. Break into a dance or go for a run as this helps displace the feelings from your body
5. Surround yourself with people that are happy and positive
6. Leave the past behind and Let the future happen when it must
7. Practise breathing exercise that help you calm

Lastly and most importantly, tell yourself: I am more powerful than my fears and I have the means to work on them.

All the best!
Dr Ashish

Dr Ashish Sehgal  |96 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

I am 32 years suffering from Anxiety problems from many months, so I need suggestions on how can I overcome
Ans: While I can't offer specific medical advice, I can share some general suggestions that may help you manage your anxiety. It's important to remember that these are just starting points, and seeking professional help from a therapist or counselor is crucial for addressing anxiety effectively.

Understanding Your Anxiety:

Identifying triggers: What situations or thoughts typically trigger your anxiety? Recognizing these triggers can help you anticipate them and prepare coping mechanisms.
Exploring the root cause: Talking to a therapist can help you explore potential underlying factors contributing to your anxiety, such as past experiences or unhealthy thought patterns.
Self-Management Techniques:

Relaxation techniques: Practices like deep breathing, progressive muscle relaxation, and meditation can help calm your mind and body during anxious moments.
Mindfulness: Mindfulness exercises that focus on present-moment awareness can help you manage racing thoughts and worries.
Journaling: Writing down your thoughts and feelings can provide a healthy outlet for emotional processing and identify patterns in your anxiety.
Healthy lifestyle: Engaging in regular exercise, getting enough sleep, and eating a balanced diet can significantly improve your mood and overall well-being.
Seeking Support:

Therapy: Cognitive behavioral therapy (CBT) is a highly effective treatment for anxiety disorders. A therapist can guide you through CBT techniques to challenge negative thought patterns and develop coping skills.
Support groups: Connecting with others who understand what you're going through can offer valuable support and encouragement.
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Financial Planner - Answered on Feb 24, 2024

Asked by Anonymous - Feb 23, 2024Translate
What are balanced advantage funds and would you recommend how I should go about investing in such funds?
Ans: Balanced Advantage Funds are a type of mutual fund that dynamically manages the allocation between equity and debt instruments based on market conditions. These funds aim to provide investors with a balance between growth (through equity exposure) and stability (through debt exposure). The allocation between equity and debt is adjusted by fund managers based on various factors such as market valuations, interest rates, and economic indicators.

Here's a breakdown of the key features and considerations for investing in Balanced Advantage Funds:

1. Dynamic Asset Allocation: These funds have the flexibility to shift allocation between equity and debt depending on market conditions. When equity markets are expensive or overvalued, the fund manager may reduce equity exposure and increase allocation to debt instruments, and vice versa.

2. Risk Management: Balanced Advantage Funds tend to offer lower volatility compared to pure equity funds due to their ability to switch between asset classes based on market conditions. This can potentially reduce downside risk during market downturns.

3. Goal-based Investing: They can be suitable for investors with medium to long-term investment horizons who seek a balance between capital appreciation and capital preservation. These funds are often used for goals like retirement planning or wealth creation with a moderate risk profile.

4. Professional Management: Investors benefit from the expertise of professional fund managers who actively manage the asset allocation and investment decisions based on thorough research and analysis.

5. Tax Implications: From a taxation perspective, gains from equity investments held for more than one year are taxed at a lower rate (long-term capital gains tax), whereas gains from debt investments held for more than three years are taxed as per the investor's income tax slab. Balanced Advantage Funds may offer tax efficiency due to their equity exposure.

6. Expense Ratio: Investors should consider the expense ratio of the fund, which represents the annual fees charged by the fund house for managing the fund. Lower expense ratios can enhance returns over the long term.

As for whether you should invest in Balanced Advantage Funds, it depends on your investment objectives, risk tolerance, and financial goals.

If you're seeking a balanced approach with the potential for higher returns than pure debt funds but with lower volatility compared to pure equity funds, then these funds could be suitable for you. However, it's essential to consult with a financial advisor who can assess your individual circumstances and recommend the most appropriate investment strategy.

If you decide to invest in Balanced Advantage Funds, you can do so through various platforms such as mutual fund distributors, online investment platforms, or directly through the fund house's website. Here's a general guide on how to invest:

1. Research: Understand the different Balanced Advantage Funds available in the market, their investment objectives, performance track record, and expense ratios.

2. Select a Fund: Choose a fund that aligns with your investment goals, risk tolerance, and time horizon.

3. KYC Compliance: Complete the Know Your Customer (KYC) process as required by regulatory guidelines. This typically involves providing identity and address proof documents.

4. Investment Process: Decide on the mode of investment, whether lump sum or systematic investment plan (SIP), based on your convenience and investment strategy.

5. Online Platform or Distributor: If investing through an online platform, create an account and follow the instructions to invest in your chosen Balanced Advantage Fund. If using a mutual fund distributor, approach them with your investment decision, and they will assist you with the investment process.

6. Monitor and Review: Keep track of your investments periodically and review your portfolio to ensure it remains aligned with your financial goals.

Remember that all investments carry some level of risk, including the potential loss of capital. Diversification and a long-term investment approach are generally recommended to mitigate risk and achieve your financial objectives.

Anu Krishna  |725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2024

Asked by Anonymous - Feb 21, 2024Translate
Good Morning, We are married for almost 27 years and at various stages of my wife like, beginning days when Girls had dream of her happy married life beginning, honeymoon, pregnancy, fostering the child, mid-age crisis and now Menopause I have been very unfair & sometime very cruel to my wife. I am tryint to please her in my possible ways but whenever I am planning something exciting & pleasurable for her it turn out to be flop show & nightmare. I want her to be happy but don't know why it gets spoiled due to one or other reason. Despite of all this she is always giving me chance and prepare herself for new beginning. But now I fear & feel gradually I will become a big liability on her, health wise as I am diabetic and even after taking high dose of medicines it doesn't get controlled. I am worried that though the beginning was not good our end should be Peaceful & graceful. Need your guidance
Ans: Dear Anonymous,
No point revisiting what has already happened. It seems like your wife wants a new beginning; then why not actually plan on how you want your life together to be from now on? What are the things that you have missed out on earlier, bring it all back and slowly start experiencing what life could be living in that harmony...
As for diabetes, getting the right medicine and taking it in the right dosage is important to see a change. Also, exercise, attempt to keep stress levels low and eat right...these help in keeping your blood sugar levels low...
Don't talk about the END when there is a NEW beginning in sight...

All the best!
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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