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Anu

Anu Krishna  |957 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 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
mahesh Question by mahesh on Oct 11, 2023Hindi
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Relationship

im 45 year old mere mind me negative thought bahut ate hai or overthinking bahut hai. mere man kisi kaam ko karne me nhi lagta hai , me apne kisi kaam me concentration nhi kar pa raha hu, plz iska koi solution dijiyga.

Ans: Dear Mahesh,
Negative thoughts kisi kaaran se hi aapke dimaag mein baith gaye hain. Inko agar hataane hain toh pehle woh kaaran ko hataana hoga. Is liye apne aap se poochiye: Kis wajah se mein yeh sab soch baitha hoon? Aise soch aane se pehle kya hua hai joh mujhe aise sochne pe majboor hota hoon...

Aisi soch ko door rakhne ke liye kuch sujhaav hain:
1. Koi physical activity ya exercise roz kiya kijiye (walk, gym, run)
2. Praanyaam karne se bhi bahut faayda hota hai
3. Dost ya kareebi pariwaar ke saath waqt bitaaiye
4. Apni zindagi mein joh accha hua hai ya ho raha hai, is baat ko aksar yaad aur zikr kijiye
5. Koi kaam karne se pehle, apna phone ko silent mode mein daal dijiye

Yeh sirf sujhaav hain, baaki aapko mehnat zaroor karna padega ki yeh negative soch ko aap zyaada panaah na de. Jitna zyaada inko paalenge, utna hi aapko pareshaani hogi. Yeh dhyaan mein le aaiye ki positive ya acchi soch se aapka kya faayda ho sakta hai; maansik tanaav kam hone se aapka shareer bhi swasth hoga. Is baat ko hamesha yaad rakhiye.

All the best!

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Kanchan

Kanchan Rai  |237 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2023

Asked by Anonymous - Feb 28, 2023Hindi
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Relationship
Hello mam, I cannot focus on my work....I keep overthinking about the future and even after being skilled i cannot execute my work.I get distracted and agitated easily these days.I have lost confidence in myself i keep thinking how i would tackle things in future,I dont know what to do.Can you please guide.
Ans: Improving self-confidence and avoiding overthinking are two related but distinct issues. Here are some tips for both:

To improve self-confidence:

Identify your strengths and achievements. Write them down and revisit them when you feel insecure.Practice self-care, such as getting enough sleep, exercising, and eating healthy.Set realistic goals and work towards achieving them.Focus on your progress rather than comparing yourself to others.Surround yourself with positive and supportive people.Learn from your mistakes and failures rather than dwelling on them.Challenge negative self-talk and replace it with positive affirmations.Try new things and step out of your comfort zone.

To avoid overthinking:

Recognize when you're overthinking and acknowledge that it's not productive.Set aside time to think about the issue, but limit it to a specific amount of time.Engage in activities that distract you, such as exercise or hobbies.Practice mindfulness and focus on the present moment.Write down your thoughts and feelings to gain perspective and clarity.Talk to a trusted friend or therapist about your concerns.Accept that not everything can be controlled and focus on what you can control.Remind yourself that worrying won't solve the problem and take action towards a solution.

..Read more

Anu

Anu Krishna  |957 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2024

Asked by Anonymous - Jun 01, 2024Hindi
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Relationship
Hi mam. I kind of need mental fitness advice. I am 26 years old female. I am afraid a lot in taking up the decisions in my life due to overthinking. But it is not same when it comes to my work side. Always taking up the negative things from my surroundings and expressing the same. Sometimes i make negative situations in my mind and cry. Is there a way to change my mindset to overcome my overthinking as well as my negative mindset. Pls give me some tips to overcome laziness as well as procastination. Is there any yoga or medidation to cure this one. Because i really hate myself for this.
Ans: Dear Anonymous,
What exactly do you get by punishing yourself? It's another way to indulge in self-pity which will only keep you in the problem zone for longer.
Instead pay attention to the reasons towards laziness and procrastination.
Ask:
- Do I display laziness with every activity or a few or one specific one?
- If Yes, which is it?
- What about that activity/situation makes me want to procrastinate and not take action on it?
- If I actually make a plan and act on that activity/situation, how will things change for me?

This will give you an idea as to what exactly happens in the mind to avoid something and what you can do about it. We are never motivated to do anything if we don not get something concrete back in return. So, define the reward clearly...
And as far as negative things go, if you choose to focus on it, obviously it will grow bigger in the mind.

Keep the above questions list with you and check at regular intervals when faced with procrastination. Have a social circle of friends who can pull you up when you are down BUT they will not be kind all the time if you are going to indulge into self-pity. So, the decision to get better, to become more positive and actually do something big in life is a decision. Focus on how much your life will change for the better when you do this and it will be a clean and quick switchover.

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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Nayagam P

Nayagam P P  |391 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

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Career
Sir, pls advise between 1. NIEIT, Aurangabad in Electronic system engineering Or 2. SMVD univ. Katra in Eand C OR 3. NIE Mysore in CSE?
Ans: Amit, decide on these factors (1) ECE is slightly difficult than CSE. If you decide for ECE, number of recruiters will be comparatively lesser than CSE. And if you still want to switch over to Software by your 3rd & 4th year (with additional Certifications in Software), some software companies prefer even ECE Students and you can get campus placement (2) Location preference (3) Prefer either CSE or ECE over Electronic System Engineering. Whatever Institute / University & Branch you choose, you should keep upgrading your skills from his 1st year itself till your Campus Placement during your last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students.

All The BEST for your Bright Future.

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Nayagam P

Nayagam P P  |391 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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Career
Hi sir, my son got 9323 rank in comedk and 23350 rank in KCET. As per last year cutoff he may get Mechanical seat in BMS or MSRIT. Please suggest which one is good for Mechanical engineering
Ans: Both are equally good for Mechanical. Some factors to keep in mind before choosing either college for your Son: (1) Location Preference (2) Will stay in Hostel (or) study as Day Scholar (3) Your affordability for fees (if there is a major difference in fees between these 2 colleges & (4) Availability of transport from your home to college. Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Nayagam P P  |391 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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Career
I'm a girl from Jharkhand, I got 91.87%ile in jee mains, crl 1.22 lakh, category rank 40k. In which counselling program should I apply for and what colleges can I get at this rank? Is there any chance to get colleges through board %age as I got 95% in CBSE class XII
Ans: With your CBSE marks and Category Rank, you can try with any one of the top Private Colleges. And, try NIT Tier 2 Institutes. However, you have to compromise on the Stream or NIT Location you prefer. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

All The BEST for your Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

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Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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My daughter scored 251 in BITSAT, and 25k in jee mains. She is getting mechanical and chemical in warangal nit. What should we do?
Ans: Order of Preference , keeping in view his Score / Ranks, for online counselling (1) BITS-Pilani for Mechanical | MSc (if she prefers) (2) NIT-Mechanical with Warrangal (2) BITS-Hyderabad (Electrical & Electronics | Electronics & Instrumentation | MSc Courses (3) BITS-Goa - (Mechanical | Electrical & Electronics | Electronics & Communication | Electronics & Instrumentation | MSc Courses). (4) NIT-Chemical with Warrangal. Before taking final decision to the most suitable option, please consider some important factors such as (1) Her interest for Stream & (2) Location Preference. Whatever Institute / University & Branch your Son chooses, she should keep upgrading her skills from his 1st year itself till his Campus Placement during her last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by her College Faculties, to be COMPETENT among other Students.

All The BEST for your Daughter’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Career Counsellor - Answered on Jun 17, 2024

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Hi,My son got sandip University nashik cse (AIMl) is it good college to go for his studies or else need to try another colleges in Bangalore??
Ans: Raju Sir, you have asked the need for Bengaluru Colleges. If your son has appeared for COMEDK or any other Private Colleges' its own entrance exams, better he tries through them. It depends upon your son's Rank / Score & the streams he prefers. Recommended before your son goes for Sandip University (if he has no other option, as time is very less now). Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Nayagam P P  |391 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Ramalingam

Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024Hindi
Money
I want to invest in 10 L lumpsum for 3-5 years. What is the best strategy for getting good returns (at least 12-15 %)? I want to use this money further for my own business.
Ans: Understanding the Investment Landscape
Investing a lump sum of Rs 10 lakh with the goal of achieving good returns requires a thorough understanding of the investment landscape. Given your objective to use this money for your own business in 3-5 years, it's important to choose a strategy that balances potential returns with acceptable levels of risk.

The Importance of Time Horizon
Your investment time horizon significantly impacts the type of investment strategy you should adopt. While you are considering a 3-5 year period, achieving a 12-15% return may require a slightly longer horizon.

Investing for at least 7 years could better align with your return expectations and allow your investment to ride out market volatility.

Embracing Market Volatility
Investing in the market inherently involves dealing with volatility. Market fluctuations are natural and can impact short-term investment performance.

However, historically, equity markets have shown growth over longer periods, offering potential for substantial returns. Embracing this volatility is crucial to achieving your financial goals.

Benefits of Mutual Funds
Mutual funds offer a diversified investment option that can help mitigate risks while providing exposure to growth opportunities. Actively managed funds, in particular, are managed by professional fund managers who aim to outperform the market by making strategic investment decisions.

Advantages of Actively Managed Funds
Professional Management: Skilled fund managers actively monitor and adjust the portfolio, aiming for higher returns.

Diversification: Mutual funds invest in a variety of assets, reducing the risk associated with individual investments.

Liquidity: Mutual funds offer liquidity, allowing you to redeem your investment when needed.

Transparency: Regular updates and reports keep investors informed about their investments.

Disadvantages of Index Funds
Market Mimicry: Index funds aim to replicate the performance of a specific index, limiting their potential to outperform.

No Active Management: Lack of professional management can lead to missed opportunities in dynamic market conditions.

Limited Flexibility: Index funds follow a predetermined strategy, offering little flexibility in response to market changes.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) ensures that your investments are aligned with your financial goals.

CFPs offer personalised advice and can help navigate the complexities of the financial markets.

Advantages of Regular Funds
Expert Guidance: MFDs with CFP credentials provide valuable insights and strategic advice.

Tailored Solutions: Regular funds offer customised investment strategies based on individual goals and risk tolerance.

Support and Service: Professional support for investment decisions and portfolio management.

Holistic Planning: CFPs consider your overall financial situation, ensuring comprehensive financial planning.

Understanding Investment Risks
Every investment carries a certain level of risk. It's crucial to understand and accept these risks when aiming for higher returns.

Types of Risks
Market Risk: The risk of investments declining due to market fluctuations.

Interest Rate Risk: The risk of interest rate changes affecting investment values.

Inflation Risk: The risk of inflation eroding purchasing power over time.

Importance of Staying the Course
Investing with a long-term perspective requires patience and discipline. Market volatility can be unsettling, but staying the course is essential for achieving your investment goals.

Strategies for Staying the Course
Avoid Emotional Decisions: Base your investment decisions on facts and long-term goals, not short-term market movements.

Regular Reviews: Periodically review your investment portfolio to ensure it aligns with your goals and risk tolerance.

Rebalancing: Adjust your portfolio to maintain your desired asset allocation.

Reinvestment Strategies
If you hold LIC, ULIP, or investment-cum-insurance policies, consider evaluating their performance.

Surrendering underperforming policies and reinvesting in mutual funds can potentially yield better returns.

Benefits of Reinvestment
Higher Returns: Mutual funds typically offer higher returns compared to traditional insurance policies.

Flexibility: Reinvestment in mutual funds provides more flexibility and control over your investments.

Cost Efficiency: Mutual funds often have lower costs and fees compared to insurance policies.

Strategic Asset Allocation
Asset allocation is crucial for managing risk and achieving your desired returns. A well-balanced portfolio should include a mix of equity, debt, and other instruments.

Suggested Allocation
Equity Funds: Allocate a significant portion to equity funds for growth potential.

Debt Funds: Include debt funds for stability and regular income.

Hybrid Funds: Consider hybrid funds for a balanced approach to risk and return.

Regular Monitoring and Adjustments
Continuous monitoring and adjustments to your portfolio are necessary to ensure it remains aligned with your financial goals.

Benefits of Regular Monitoring
Performance Tracking: Monitor the performance of your investments regularly.

Timely Adjustments: Make necessary adjustments to optimise returns and manage risks.

Goal Alignment: Ensure your investments remain aligned with your evolving financial goals.

Final Insights
Investing a lump sum of Rs 10 lakh requires careful planning and a strategic approach.

Understanding the investment landscape, embracing market volatility, and opting for actively managed mutual funds are key steps towards achieving your financial goals.

Staying the course, regularly reviewing your portfolio, and seeking professional guidance from a Certified Financial Planner can enhance your investment experience and outcomes. By focusing on a balanced and diversified investment strategy, you can work towards achieving your desired returns while preparing for your business ventures.

Invest wisely, stay informed, and be patient to see your investments grow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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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