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Kanchan

Kanchan Rai  |331 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 09, 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
Barua Question by Barua on May 05, 2024Hindi
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Relationship

Mam how can I take proactive steps n cope with the fear and how to overcome it

Ans: it's crucial to understand and address the root of your fear. Reflect on the specific behaviors or situations involving your father or uncle that trigger your anxiety. Journaling can be a valuable tool in this process, allowing you to articulate your feelings and gain insight into the nature of your fear. Recognizing these triggers is essential for developing a plan to manage them.

Developing coping strategies is the next step. Techniques like deep breathing and mindfulness can help you remain calm in stressful situations. When you start feeling overwhelmed, take a moment to focus on your breathing—inhale slowly through your nose, hold briefly, and then exhale through your mouth. This practice can help ground you and reduce immediate anxiety.

Building a supportive network outside of your family can also provide significant relief. Surround yourself with friends, mentors, or a counselor who can offer guidance and a safe space to express your feelings. Talking to someone you trust about your fears can help you gain perspective and reassurance.

It’s also important to gradually build your confidence in handling interactions with your family. Start by setting small, manageable boundaries and practicing assertiveness in low-stakes situations. This can help you develop the skills needed to address more challenging situations when they arise.

If addressing these fears directly with your family feels too daunting, consider seeking professional help. A therapist can provide strategies to manage your fear and work through any underlying issues. They can also assist in developing communication skills and coping mechanisms tailored to your specific needs.

Ultimately, facing your fears is about building resilience and self-awareness. By taking these proactive steps, you can gradually shift from feeling overwhelmed to feeling more in control and empowered in your interactions with your family. Remember, it’s a process, and being patient with yourself as you work through these challenges is key.

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Dr Ashish

Dr Ashish Sehgal  |106 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 18, 2023

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How to overcome fear in life
Ans: Overcoming fear is a personal and gradual process, but here are some strategies that can help:

Identify and acknowledge your fears: The first step in overcoming fear is to identify what you're afraid of and acknowledge its presence in your life. Take the time to reflect on the specific fears that hold you back and recognize that they are valid emotions.

Understand the root cause: Try to understand the underlying reasons behind your fears. Sometimes fears stem from past experiences, trauma, or limiting beliefs. By gaining insight into the root causes, you can begin to address them more effectively.

Educate yourself: Knowledge is power. Often, fear arises from a lack of understanding or unfamiliarity. Educate yourself about the things you fear. Whether it's a specific phobia or a fear of the unknown, gathering information and learning more about the subject can help dispel irrational fears.

Take small steps: Overcoming fear doesn't mean completely eliminating it overnight. Start by taking small steps towards facing your fears. Break down the fear-inducing situations into smaller, more manageable tasks. Gradually exposing yourself to these situations can help build confidence and reduce fear over time.

Practice relaxation techniques: Fear can trigger physical and emotional responses, such as increased heart rate, sweating, or anxiety. Practicing relaxation techniques, such as deep breathing exercises, meditation, or mindfulness, can help you manage these symptoms and calm your mind.

Seek support: Don't hesitate to reach out for support. Share your fears with a trusted friend, family member, or therapist who can provide encouragement, guidance, and a fresh perspective. Connecting with others who have faced similar fears can also be beneficial.

Challenge negative thoughts: Fear often accompanies negative thoughts and self-doubt. Challenge these thoughts by examining their validity and replacing them with more positive and empowering ones. Affirmations and positive self-talk can help reframe your mindset and reduce fear.

Embrace failure as a learning opportunity: Fear of failure can hold you back from taking risks or pursuing your goals. Remember that failure is a natural part of life and often leads to growth and learning. Embrace failure as an opportunity to learn, adjust, and try again.

Celebrate your successes: Acknowledge and celebrate your achievements, no matter how small they may seem. Each step you take in facing your fears and overcoming obstacles is progress worth recognizing. Celebrating your successes can boost your confidence and motivate you to continue moving forward.

Remember, overcoming fear takes time and patience. Be kind to yourself throughout the process, and don't hesitate to seek professional help if your fears are significantly impacting your daily life and well-being.

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Dr Ashish

Dr Ashish Sehgal  |106 Answers  |Ask -

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

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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.

..Read more

Anu

Anu Krishna  |1160 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Asked by Anonymous - Oct 31, 2023Hindi
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I,AGE 46 YEARS,HAS BEEN SLEEPING WITH HORROR NIGHTMATRES FOR LAST 24 YEARS.DURING MINE CHILDHOOD,I WAS SEXTUALLY MOLESTED AND BEATEN BY MY NEIGHBOURS WHICH RESULTED IN FEAR ATTITUDE OF MINE.I WAS VERY KEEN IN SPORTS AND PAINTING BUT I FORCEFULLY LEFT IT AS I WAS NOT MIXING WITH FRIENDS TO PLAY GAMES.I WAS VERY MUCH INTERESTED TO JOIN ARMY AS MY CARREER BUT I COULDN'T MAKE IT.AFTER THAT I JOIN MINE FAMILY BUSINESS BUT FROM THAT VERY PERIOD OF 1999,I AM IN ACUTE DEPRESSION.AFTER MARRIAGE THE SITUATION WORSEN FURTHUR SINCE MINE WIFE IS ALSO SUFFERING FROM SOME KIND OF DEPRESSION.I AM TRYING MYSELF TO GET OUT OF MINE HORROR DREAMS LIKE TAKING BATH BEFORE SLEEP,TULSI TEA ETC. BUT OF NO RESULT.HOW TO OVERCOME MINE HORROR DREAMS AND FEAR.ALSO I WANT TO KNOW,IS THERE ANY LIFE SKILL COURSE WHICH I CAN JOIN TO BOOST MY CONFIDENCE.I EXERCISE AND DO MEDITATION FOR LAST 3 YEARS BUT NO RESULT IS COMING.
Ans: Dear Anonymous,
I truly empathize with what you have been through and it's not easy to brush it away.
The best suggestion that I can give you is to seek the help of a professional right away.
Childhood traumas are known to cause a lot of emotional challenges in adulthood as well. Why struggle with it? It will affect every area of your life which is painful. It will also keep you stuck not allowing you to move ahead...
You must work on the unresolved emotion from the unpleasant incident and this will be possible by working with a professional. He/she will help you go back to where it all started and it maybe daunting at first, but the liberation that you will feel with deep-dive sessions is priceless.

So, now you know what you must do! Do not wait...

All the best!

..Read more

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Milind

Milind Vadjikar  |150 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Money
Hi, I am 56 with a take home salary of about 5L per month and expect to retire in 4 years. I have about 1.2 cr in PF+PPF and 4 properties worth 2.5Cr. Cash in hand 40L and equity worth 25L. From Jan24, investing about 2L per month in MF + Shares + others and wish to continue to next 4 years. Daughter is working and likely to get married in next 2 years (anticipate a spend of 35L). Son will join MBBS in 2 years with expected fee of 30L per year. Have no loans and well covered for mediclaim and term insurance. Am i covered for the expenses? Please suggest ...
Ans: Hello;

Your PF+PPF balance you can keep untouched so it may grow into a corpus of 1.6 Cr(7.5% growth rate assumed) + regular contributions over 4 years, at the end of your work life.

At your age I recommend you to resist temptation of dealing in direct stocks or even pure equity mutual funds due to the very high risk of volatility.

I propose you to put 30 L(6 month pay coverage) as emergency fund in ICICI Pru Liquid fund(Best returns on 6M criteria)+ facility of instant redemption upto 50K & balance T+1 working day.

10 L balance from cash in hand + 25 L of stock holdings could be invested in Tata money market debt fund(best returns on 1 year criteria). Both these funds have moderate & low to moderate risk profile respectively. This will serve as your corpus for daughter's marriage and grow for 2 years in the meanwhile.

The 2L investment per month which you have began from Jan-24 is expected to go into MF sip+ direct stocks+ other.

For the other investment you are the best judge but here again I would humbly appeal to you to avoid equity MFs and direct stocks considering your age and high risks associated with these asset type direct exposure.

I propose you to invest in equity savings fund instead which are less riskier then pure equity funds and can yield decent return too. I recommend two funds in this category with best returns on 5 yr criteria & AUM above 1K Cr. Mirae Asset equity savings fund and Kotak equity savings fund.

A 2 L sip into these two funds for 4 years will yield a corpus of 1.16 Cr (Modest return of 9% considered). This will fully cover the cost of education for your son.

The best aspect of your financial planning which I admire and respect is No loans, well covered for mediclaim, term insurance and investment in real estate.

I have given my opinion, ultimately you are the best judge.

Feel free to revert in case of any query.

You may follow us on X at @mars_invest for updates

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

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Dr Dipankar

Dr Dipankar Dutta  |609 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Career
Sir I am btech - industrial biotechnology (4 years ) student. Now I'm in 3 rd year . My family financial situations didn't ain't me study msc or mtech or going abroad. So.. I'm planning to work hard for an year to get government job in my biotech field. However, biotech in india is just in it's initial stages . I didn't find good jobs in biotech industry for graduates and I even google many times about this concern. Could you please guide me ? What are best rated - government and private jobs in biotechnology field for biotech graduates ? I want each of jobs list If not any other alternatives ? What are the entrance exams I can appear for mtech pursuing at free of cost in India ? Is there any entrance exams to get a govt job in biotech field for graduates ? I'm bothered with many quests???????? I'm so... Worried about my career . Hope I'll get my answers from your team as soon as possible Thank you ????
Ans: Biotechnology graduates can apply for various positions in government organizations, research institutes, and labs. Below are some of the key government organizations where biotechnology graduates can find jobs:

Government Organizations:
Department of Biotechnology (DBT)
Council of Scientific and Industrial Research (CSIR)
Indian Council of Medical Research (ICMR)
National Institute of Immunology (NII)
All India Institute of Medical Sciences (AIIMS)
Biotech Consortium India Limited (BCIL)
Food Safety and Standards Authority of India (FSSAI)
Indian Institute of Technology (IITs) as technical assistants or lab technicians
Central Drugs Standard Control Organization (CDSCO)
Defense Research and Development Organization (DRDO)
Public sector units (PSUs) like Bharat Immunologicals and Biologicals Corporation Limited (BIBCOL)

Key Entrance Exams:
GATE (Graduate Aptitude Test in Engineering): Scores in the Biotechnology paper can help you get into prestigious institutes like IITs and NITs for M.Tech with scholarships.
DBT JRF BET: Provides a fellowship to pursue a PhD in biotechnology.
ICMR JRF: For research fellowship and PhD positions.
CSIR UGC NET: For lectureships and research in biotechnology.
JNU CEEB: For postgraduate programs in biotechnology across many universities in India.

...Read more

Milind

Milind Vadjikar  |150 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 09, 2024Hindi
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Money
Hi I am 44 years old working for almost 21years now. I have accumulated close to1.6Cr of corpus through diversified portfolio in FD, MF, Stocks etc. I am undergoing health issue post recovery from a major illness and not able to mentally and physically cope up with the demand of the Job which is paying me around 2.5L/Month. I want to settle for a less demanding job even at 50% lesser salary. With my current corpus how to invest it so that i get a monthly interest to maintain my current lifestyle without reducing my corpus.
Ans: You can buy immediate annuity from an insurance company for your corpus of 1.6 Cr as joint holding by you and your spouse and return of purchase price to you, your spouse or nominee either after completion of tenure or expiry of the annuity holder/s.

Assuming modest rate of 6% will yield you a monthly income of 80K per month(pre-tax).

You can always negotiate and shop to get a better rate for your annuity.

If you suppliment this with low stress, less exertion job at 50% of your current salary you will have monthly income of 1.25 L + 0.8L = 2.05 L per month.

Although annuity rates are typically lower you can lock them for a longer tenure.

Most companies or banks offer 5 year FDs.

Few do offer 10 year FDs but then you have TDS deducted at 10% from your interest payout. Also FDs are not entirely risk free.

In case of annuity TDS is not deducted, so far, since tax liability is with the annuity holder.

Please do take care of your health and wish you speedy recovery.

In case you any other concerns, feel free to revert.

...Read more

Milind

Milind Vadjikar  |150 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Money
Sir, I had invested in HDFC Sanchay Plus in Long-Term Income Plan. It was a insurance and regular income plan for a period of 30 years. I paid up for five years as mandated by the policy. The pay out would commence from 7th year annually upto 30 years. The principal amount would be paid on completion of 30th year of enrollment. I appears the return of investment was less than 5% and diminishes further with time. I decided to withdraw from the scheme however the HDFC Life is deducting a huge sum from the invested amount. I requested to atleast return the principal amount invested without any add-on. But HDFC Life is referring to the policy clause and declining to return the invested amount. How can I retrieve the invested amount in this scenario. Thanking you in anticipation.
Ans: Most of the people make this mistake of considering insurance coupled with investment as good combination. The fact that insurance regulator allows insurance companies to use words such as "Guaranteed", "Assured" which entice gullible investors, makes things more difficult.

Endowment or money back policies never yield return over 5 to 6%.

Even ULIP policy returns above a threshold will now be subject to long term capital gain tax apart from fund management, policy administration and other heavy charges during first 5 years.

Insurance is for pure protection hence term insurance with appropriate riders is best option.

Unfortunately there is no way you can seek higher surrender value payment because you are contractually obligated by the terms and conditions of the policy agreement.

...Read more

Milind

Milind Vadjikar  |150 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 17, 2024

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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