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Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 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
Ashish Question by Ashish on Apr 03, 2023Hindi
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Relationship

Dear Khevna Shah I am in the business of my father's after his death with my uncle for the last 15 years and so and when my father died my age was 22 and I was a simple, shy and fear boy and was happy and i am doing the accounts job and i was not taking my salary on monthly basis or yearly basis means i want to say that i take 200 or 500 or sometimes 10000 to 20000 as per my requirement and sometimes i have to give it to my mom for her personal expenses. After two and half years, i was having problems with my uncle due to professional reasons and i was talking to him at that time and discussing all the problems and business related issues facing by me and he was listening but not responding to my problems during these years and after passing of two and half years i tried my best for talks, discussion but i was not getting any response from his end and after that period i stopped myself for any talks, discussion and sharing with him and I was prepared to left him and go elsewhere and do something new or do a job or start a new business on my own as we were are living in joint family and still we are in joint. Mam i did not left him and he provided me a new business and I became the proprietor of that new business and i didnot have any idea of that new business and when i engaged in that business i came to know that this business is all runs on liabilities for around three months to six months and depends on how you capture the market with low competitive rates and that time was new and i was not having any distributorship also and the business went on losses and i have beared losses for almost lakhs and lakhs of rupees. So, I closed the shop and again started doing account job in my father's business with my uncle as all the decisions related to business was taken by my uncle and same problem which i was facing in my early stage was repeated and the days were passing as it was passing previously. Now when corona came in the world, we were all lockdown in our homes and in that time we were all of our family members lockdown in our home. In that period we were all fighting with the corona that when will corona go and when we will go outside again and when will our normal life will start we were talking about our works of home should be divided. In that period all the works were divided and when lockdown was over and we were slowly slowly coming back to normal. Our joint family divided and now we are separate but our business is not separate and i am getting the salary fixed after our separation. Now the problem is that the salary fixed is not upto the mark and i am facing financial crisis at my end and our relation are so so and i am facing heated conversation with my wife related to money problems as i have to give her the money for household activities, personal expenses, my child school fees, admission fees and other activities related to school and i am very much exhausted with all the daily dose. So, therefore what will be my steps to go forward regarding the issues with my uncle and the problems which i am facing right now and have a peaceful time.

Ans: Dear Ashish,
Time and again you have been waiting for things to change in your favour. Your first sign was when your uncle's resistance at doing or thinking anything good for you.
Good nature of yours to trust him and still keep at it, but I guess now being in your 30s, should tell you that you need to make your life yourself and on your own terms.
Don't hang around thinking that the tides will change for you; instead change things the way you want by breaking free. Now. how you want to do it; is something that you need to discuss with your wife and decide. You have been far too dependent on this dream world that your uncle is going to make things happen and will be kind to you.
Be kind to yourself and now ask yourself:
- how can I revive my financial position on my own?
- what support do I need and from whom to achieve this?
- how can I keep myself motivated every day as I change things for the better?

The time has also come to have a clear chat with the person controlling the business. It gets messy when the family is divided and the business is still joint. Money troubles are never going to have clarity ever in this type of an arrangement. So, take matter into your own hands without fearing the outcome and think of only how you can have a better and peaceful life. The answer will be crystal clear to you.

All the best!

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Harsh

Harsh Bharwani  | Answer  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Asked by Anonymous - Jun 23, 2023Hindi
Career
Dear sir i am 51 yr old ,i had a very tough life,i was bright and honest student..i got adhoc lecturer ship which i have to left as it was adhoc only i like my profession but i had to left ..than i join with help of my friend sales which i don't like but to earn i did and rose to higher management level...my married elder brother was having depression,i left the parental home to help him ,my parents were both retired govt employees getting good pension...i struggled to make both ends meet..later on my parents get medical trouble still my wife took care of them at my house.. I left the job in 2010 me and my friends who bring me job started the business but he ditched me the first day on business i take courage and continued the business... Meanwhile my parents refused yo help....after 3 yr of my business my parents come to help them as my mother has to do 3 month complete bed rest ,me and my wife helped them after that they come for 2 -3 months in a year for 5 years but after that my mother starts querlling with my wife ,i stoped their coming but told i will help them they need..i helped them during covid ,and other medical problems ,in 2021 my father passed away in i met an car accident my mother refused to give registery of copy in cour yo get bail..i stopped my all relation on this ...my daughter went to canada in sep 2021..i took 7 lacs loan and rest i paid from my savings ..this month her course was supposed to finish but what i realize that she failed in 13 exams..she told me first time than i told her to not worry i concentrate for future one but she lied and failed in other one also what she disclosed now,i have to pay further 10 lacs..my business is alo down and my son is not selected my medical field business,i have to collect aprx 40 lacs from market ,i tried hard for tie up overtake or job at this age but kot getting...it is become hard to run business with no family member in same business in future and tonpay to daughter ..i am gojng to shut it down in next month and do something else...with low cost business as i have to pay monthly salaries and rent of aprox 2.5 lac...i am in big trouble...No one to help me out..i never tried my 0mother brother sister whom i helped in their every cause...i knew they will not help as they not helped me in all my troubles...
Ans: I'm really sorry to hear about the difficult circumstances you've faced in your life. It sounds like you've gone through a lot of challenges and have been dealing with various setbacks. It's understandable that you may feel overwhelmed and frustrated at this point.
In times of hardship, it's important to remember that there is always hope and the possibility of finding solutions. Here are a few suggestions to consider:

1. Seek Professional Help: Given the complexity of your situation and the emotional toll it has taken on you, it may be beneficial to seek professional support. Consider reaching out to a counselor, therapist, or support group to help you navigate through your challenges and emotions. They can provide guidance and assist you in developing coping strategies.
2. Financial Assistance: If you're struggling with loans and financial obligations, it might be worth exploring options for financial assistance. Consult with a financial advisor or research available schemes, grants, or loans that could potentially help you manage your debts and ease the financial burden.
3. Career Transition: As you mentioned, shutting down your current business and exploring other low-cost business options might be a viable solution. Assess your skills, interests, and market demand to identify alternative business opportunities that align with your capabilities and resources. Consider seeking advice from business mentors or professionals in your desired industry to help you make informed decisions.
4. Network and Support: While it may feel like you're alone, reach out to your social network for support. Friends, acquaintances, or industry professionals might have insights, connections, or opportunities that could be beneficial. Building a support system can provide emotional support and potentially open doors for new opportunities.
5. Prioritize Self-Care: In challenging times, taking care of yourself is crucial. Make sure to prioritize self-care activities such as exercise, relaxation, hobbies, and spending time with loved ones. Maintaining your physical and mental well-being will help you navigate through difficulties with a clearer mindset.
6. Maintain Resilience: Remember that setbacks are a part of life, and resilience is key. While it may feel overwhelming now, focus on developing a positive mindset and persevering through challenges. Draw on your past experiences of overcoming adversity to fuel your resilience and determination.

Finally, know that it's never too late to make a fresh start or seek new opportunities. It may take time, effort, and a shift in mindset, but with perseverance and resilience, you can work towards a better future. Reach out for help, explore available resources, and stay determined. Wishing you strength and the best of luck as you navigate through this difficult period.

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Anu

Anu Krishna  |1735 Answers  |Ask -

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

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Relationship
My father & uncle started business 50 yrs back. I have joined 30yrs back. I kept working from 9 am to 5 pm under Uncle. Now around 2011 ,Uncle son joined .Till then everything was alowed & fine except core part was not allowed to handle by Uncle.After 2011, slowly my cousin started taking operations of factory under him . When I protested ,Uncle used to say he will see ,but did nothing about that. AlthoughUncle is genius as well as my Father ,but my Confidence started tumbling after 2019. When his son (lets say A) made whole work force according to him & I was cornered .As challenge I in 2020 started some operations to complete production & it run well until 2022. But they (Factory staff) introduced as if I was buyer of those components. It kept on untill uncle showed the debt as in lacs for me while he getting all support for his production from Everyone &My father tensed but doesnot retaliate. What should I do?
Ans: Dear SK,
Well, you need to build your territory and being a family business, boundaries have never been clear...It seems obvious that your uncle favors his son over you and your father does not want to ruffle feathers by standing up for you...then you stand up for yourself.
What position that you have earned through your hard work must be acknowledged...if it isn't and it's going to lead to a family rift, then maybe it's time for you to build something for yourself by expanding the business within or outside. It is difficult to balance relationships within the family and at work; somewhere emotions come in the way of doing what is right and just. So, play it safe and start looking at how you can expand your work profile and enhance what you can bring to the business exclusively through your skill sets. This helps pass a message down the organization as to you being an expert in that particular area. If this fails, well...let yourself shine where you can and must...

All the best!

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Radheshyam

Radheshyam Zanwar  |6718 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 03, 2024

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Career
sir i need your guidance in my career path... i am a mechanical engineer passed out in 2014 from bhubaneswar, back then my father business collapsed which was in jharkhand and my father had lakhs of debt.. we were having another home which is in kolkata which is basically an ancestral property having some joint cosharers. I tried many area but i didn't get any job in my field so i started doing pvt tuitions but the earnings is very less . I was earning 8 thousnad a month back then , i too had education loan for my engineering degree so i too had the burden of clearing the debt of my education loan which was of 3 lakhs rupees .. . my father had 2 option to clear the dues and debts: 1) selling his running loss making business which was in jharkhand 2) sell the share of his ancestral property. The ancestral property is a 3 story building , my father was resided in ground floor with family, his elder brother is residing in 1st floor and the younger brother of my father residing in 2nd floor... but the partition was not being done on papers , as we need to sell our share of property so the consent of the cosharers was also matters , my younger uncle agreed to give he is consent but my elder uncle didn't give his consent also threat my father " I will see how will you sell your share your property , i will make sure no body can purchase your share of property and i will never give my consent" these were his words ... My father spent majority of the expenses of elder uncle's marraige as my father started earning from the age of 17 , my father also gave him money when his income was low and supported each of his siblings but when my father business collapse no body came to help us. My father never saved money , had no savings, had no investments .. so My father sold his business and home which was in jharkahnd to clear the debts still my educational loan is there My father started very low profile job , our prestige , recognition has gone in the society and so my father wanted me to become a sarkari babu / officer I was primarily taking tuitions and giving numerous exam but i can't clear any of the officer level exam due to stress or lack of guidance Basically from childhood i was interested in singing,dancing, mimicry so i gained huge popularity in my childhood in jharkahnd , but as my mother wants me to become engineer as she knows my father never saves money and had no backup so she wanted me to become engineer... I joined a MNC as customer service associate in 2021 as my communication is good .... Due to HEART AATACK ""MY FATHER PASSED AWAY IN NOVEMBER 2022" ... MY elder Uncle took all the documents of the house and capture major chunk of the property. All the peoples of our society in kolkata respects our elder uncle , he is very polite and generous to others but He only envy with us just because his son is unemployed, had not completed his studies after 10th and aged 38 and never come out of his home. My Mother is with me she has become silent and barely talk with others and barely out from home.. i am working in a company ... My education loan has become 7 lakh rupees... My EMI is 5.5k per month i have only 2 or 3 friends and also fears to make friends i am 32 now I NEED YOUR GUIDANCE SIR i can't able to handle emotions when i see my elder uncle , He is a real MIRZAFUR. i can't live in the same building with him, i want to change the state but i have expecting that once we leave our home it will be captured by the local goons and by my uncles as our flat is in ground floor and a landmark of the society . i am not very keen to file a court case as i have less money and also it will be difficult to stay in the same building with tehem once i file a case for the Partition. I haven't mentioned all the pains and agony of us because it will not possible to explain all the things here. Majority of the times i am tensed and not interested to join any socail gatherings SIR HOW CAN I LIVE ALONE ? SIR CAN I BECOME SUCCESSFUL IN LIFE ? I HAVE LEARNED JAVA and working as Java Developer. CAN I GET A GOOD COMPANION FOR MY LIFE? CAN I BUILD MYSELF TO A LEVEL FROM WHERE MY MOTHER GET BACK THE PRESTIGE SHE LOST? PLEASE SUGGEST A WAY FORWARD RESPECTED SIR
Ans: Hi ER. Your question is too lengthy and unable to correlate multiple problems with each other. You along with family members, sit together to solve the problems wisely and get the proper solution to get it out. Or you can talk with a counselor one to one so that he can understand it clearly and will try to give the solution.

Radheshyam Zanwar, Aurangabad (MS)

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Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Money
Hope you are doing great. I am 32 years old. I earn roughly 1.1lkh per month. My PPF portfolio is around 19lkh(started in 2018) giving 12.5k per month(From next year 80CC tax benefit will be of no use) lock in till 2033, I also have SIP of 30k (Axis Index- 5k, Axis Midcap-5k & SBI Small cap-20k(Since-2022 & add lumpsum sometimes))- Invested Value Now Rs 12.26lkh & Return- Rs 15.84lkh. I Invest in mostly blue chip equity stocks time to time from 2021 & have invested round about 10lkh & return is 15lkh. My monthly spend is around 30k. I have stacked emergency fund in India Post & Liquid fund. I can invest max 30k if PPF continues & 42.5k if PPF doesn't continue after the lock in is over. With 5% step up annually. I have a few questions: 1. Since PPF will not contribute to my tax savings from next year what should my approach be? Stop PPF & wait till 2033 for it to mature. And invest 12.5k SIP in MF? If yes where should I & in what ratio. 2.I want to reach the goal of 4-5cr in the next 15 years. Kindly guide me. Thanks in advance. Regards
Ans: Hi Subho,

There is no benefit of continuing your PPF investments for tax benefit. Redirect extra 12.5k per month to mutual funds.
But you cannot close your PPF account before 2033, hence contribute only 500 per year to keep the account active.

Total new monthly contribution in MF - 42.5k.
Current selection of funds is not recommended. Your overall contribution in small cap is way too much to continue. Distribute equally in all 3 funds from now on. And can add a flexicap fund of 10k per month in your portfolio.

Try to increase your SIP whenever possible. As with current allocationand contribution, you will get 3.4 crores after 15 years. Where as if you do an annual stepup of 10%, you can get 5 crores after 15 years which you want.

Also as your portfolio size is big, taking a professional advisor's help is recommended. And avoid investing in direct stocks. Reinvest the stock money into mutual funds for a consistent and safe growth.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Money
Hi, I'm sorry in advance for a lengthy read and numerous questions. I'm 38 years old and would like to retire in next 10 years or less and I would like to reach portfolio worth 4 CRs and then retire. I already have a term insurance of 2 CR and gold of around half a KG. I currently have 20Lkh (15 for investment and 5 as emergency fund) that I would like to invest in lumpsum. My current portfolio (around 1 year old) is as follows and their Current value: SIPs were stopped in Jan 2025 due to financial reasons. 1. Parag Parikh Flexi Cap Fund : 181920 (+9.93%) 2. Quant Small Cap Fund: 166550 (-1.74%) 3. Motilal Oswal Midcap Fund: 1,66,193 (+1.03%) 4. Nippon India Large Cap fund: 157025 (+8.67%) 5. HDFC Balanced Advantage Fund: 132040 (+6.06%) 6. Nippon India Nifty 500 Momentum 50 Index Fund: 84714 (-15.30%) 7. Stock portfolio: 810000 (+6%) I need help with a few of things. 1. Investing the large sum of 15 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? Or is it not the right time to invest the bulk amount? 2.SIP: I would like to reinstate SIP of 1.3 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? 3. 5 lakh emergency fund: Which specific asset class/MF should this be invested so that I can make a decent return better than savings account while this amount is easily accessible for emergencies. Please suggest specific fund even if it is debt/liquid/hybrid fund. Thank you for your help in advance.
Ans: Hi,

It is great that you are taking a step forward towards your early retirement after 10 years. Let us analyse things one at a time.
1. Emergency Fund - You want to put 5 lakhs as emergency fund for you. It is a good amount and you can park in liquid mutual fund. Go for ICICI or HDFC liquid funds for this.
2. Term Insurance - 2 crores cover is good enough. If you share monthly income, would be able to calculate exact amount more accurately.
3. Health Insurance - Take one with a minimum cover of 15 lakhs to cover yourself and family.
4. Current MF - currently around 8.5 lakhs value. Good funds. Continue this amount in these.
5. Stocks - current value of 8.1 lakhs. Direct stock investment is very risky and nor recommended as it requires complete tracking and knowledge. You can consider shifting the entire amount in mutual funds for your retirement.

You want to invest a lumpsum of 15 lakhs and start a SIP of 1.3 lakhs again. You can choose to invest 15 lakhs in equal proportion in your current mutual funds and start SIP in the same funds as well.
However, you can also consider consulting a professional advisor who can build a portfolio for you for all your investments. An advisor guides you with right investment throughout and monitors all investments periodically to cater the requirement and market movements.

Your goal is to reach a corpus of 4 crores in 10 years. With current investments you can only get 3.5 crores in 10 years. You need to increase your SIP by 10% each year to get 5 crores.

Also make sure you have no financial liability left when you retire. And have a dedicated fund for other major goals such as kids education, travel, their marriage etc.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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