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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 27, 2022

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
PS Question by PS on Jan 27, 2022Hindi
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Relationship

Dear Anu,
I want a solution for my problem that is the result of my imagination (probably).
My husband would travel along with his two office team mates in his car daily.
One male and one female.
The male member met with an accident and the lady continued going with my husband.
I developed a fear and some sort of insecurity about the two of them. Things started becoming worse day by day. Regular fights, arguments have become a daily routine.
I just wanted him to stop travelling with that Lady but he couldn't oblige to it saying it will hurt his image in office. I couldn't tolerate it and made a call (though caught by husband) to that lady. She understood my problem and stopped going with him.
His other team mates started asking the reason for the same. He couldn't digest it and even beaten me. He also started consuming alcohol just to abuse me and shout at me.
I convinced that lady to start travelling again with him
Then somehow he accepted me.
I do understand the things but still I feel he had cheated upon me. I feel lonely and helpless
PS

Ans:

Dear PS,

This is an unfortunate turn of events for a situation that needed an open communication between the two of you.

Now, why you were insecure or why your husband didn’t want to see your perspective is anybody’s guess! But nothing justifies his beating you.

And as for his alcohol consumption, it his choice to weaken his senses even further and not wanting to face the situation at hand. And it makes no sense whatsoever when you say that after the lady started to travel with him, he accepted you.

Why does he need another person to step in to accept you? This all points more as a thing that your husband needs to work on.

Possibly he is dealing with more insecurity than you are and hence this behaviour from him. Of course, I cannot judge him without knowing his version of the story, but if you want to get past this, it’s time to have that open communication; involve a third person who will be neutral to mediate and bring in some much-needed perspectives into your relationship.

All the best and be strong!

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

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Hello, I am 41 year old professional. I had met my husband before marriage though social media 5 years back and thereafter maintaining distance relationship and meeting occasionally for 3 years we got married in 2021. It was a struggle for marriage as it was inter caste and inter religious marriage. Everything was smooth in relationship to the fact that I’m responsible for all financial matters as my husband has no job. He is still trying and looking for job. I didn’t mind much but would encourage him to get the job to be mentally and physically fit. Last year we went to his nephews marriage to his village. It was of 7 day programme. On second day I noticed him watching another women ( nephews mother’s sister who has 2 daughters) At that time I didn’t pay attention. After 2 days on a night function I saw my husband texting from far but he looked at that lady again. She also seemed to texting. I became suspicious. Later that night when he came to room I asked to show him his phone he was reluctant. I had to snatch his phone and I saw that he was texting the same lady and in that had asked her to meet her alone. and asking her where he can meet her. I gnashed cried and made a huge scene coz this was not what I had expected. He tried to convince that she was his girlfriend of past and suddenly after seeing her after sometime he only wanted to talk to her. I only asked her ... why alone? He had told me during dating that she had a girlfriend ( never told her identity) and that she has married and moved on. Feeling cheated I could not sleep but only cried that night and in the morning if we can return to our city. Programme had not finished but he agreed and we left. Since then that night and those days still haunt me ; thinking what didn’t I do to love him so much and in return we get cheated. I’m still with him, but mentally I still feel cheated and still am in doubt that he is in touch with her. I am not able to do my duties as part of my mind thinks he cheats me though I have confronted many times on this and he denies that he is not in touch with her Should I leave him or continue with this marriage? We still don’t have any baby.
Ans: Dear Vandana,
Clearly you are more into him than he is into you. Baby or no baby, he seems like someone who isn't going to be steady...what was the need to hide and plan a meeting and if the other lady has moved on, what is doing hanging around her?
And with no financial assurance and stability, he is only tuning his energies to external validation to 'up' his elf esteem...

Isn't it time you actually called him out for his wayward nature and his absolute reluctance to take on some responsibility in the marriage and home? The more you are quiet, the more he is going to feel that you are supporting this nonsense...call it out and NOW! And as for your state of mind, do know that you have it in you to hold your own...don't base you peace of mind on anything outside of you...

All the best!

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Kanchan

Kanchan Rai  |402 Answers  |Ask -

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

Asked by Anonymous - Jun 19, 2024Hindi
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Relationship
Hi, I am 40 yr old woman. I am staying with my husband who always doubt me without any reason. As he is dependent on me. He is jobless from last 5 yr. I am the only earning person I don't have any type of attitude. While balancing professional as well as personal life I use to listen his bitter words every day. Not only that he started beating me like anything Just coz of so-called reputation I tolerate him. But 7 months back I came across with a man in my life we both started liking each other, I shared everything with him. But he left his job due to some issues with manager and started working somewhere else. He started ignoring me. Please help me out to understand what is right and wrong in this?
Ans: Balancing the pressures of professional life with the strain of an abusive marriage is a heavy burden, and you deserve to feel safe, respected, and valued.

Your husband's behavior—doubting you without cause, subjecting you to daily verbal abuse, and physically harming you—is deeply troubling and completely unacceptable. It's important to acknowledge that no matter the circumstances, you do not deserve to be treated this way. The fear of societal judgment and concerns about reputation are common reasons people stay in harmful relationships, but your well-being and safety are far more important than maintaining appearances.

Meeting someone who offers emotional support when you’re in such a painful situation is understandable. It’s natural to seek comfort and a connection when you're feeling isolated and mistreated. However, the new man's recent behavior, where he started ignoring you after changing jobs, might feel like another layer of abandonment. This is especially tough because you opened up and shared your struggles with him, hoping for understanding and companionship.

In terms of what’s right and wrong, it's essential to focus on your needs and well-being. Staying in an abusive relationship is harmful to your physical and emotional health. You have the right to seek safety and happiness. The relationship with the new man might have provided temporary emotional relief, but it seems he's not able to be the supportive presence you hoped for, especially now when he’s pulling away.
Right now, focus on what you need to feel safe and supported. Consider reaching out to trusted friends, family, or professional services who can help you navigate this challenging time. You deserve a life free from fear and filled with respect and care. Prioritizing your own happiness and safety is the most important step forward.

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Anu

Anu Krishna  |1293 Answers  |Ask -

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

Asked by Anonymous - Oct 23, 2024Hindi
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Relationship
I am 48 year old mature,responsible and independent working lady. Married to the person whom i loved. 7 years of relationship before marriage and now 20 years of married relationship. My husband is very egoistic and irresponsible about our relationship but at the same time very helpful towards others. He lacks emotional intelligence between us. He lacks to understand my feeling which was never his priority. Due to this attitude after 6 years of marriage i got involved with one of my office colleagues wherein i use to consider him as a big supporter who is beside me whenever i feel depressed or want to express. Since my husband did had such understanding of spending quality time with me. However i was caught by my husband after few month since he had recorded few of my conversation. That chapter got closed as i sincerely apologize by husband and made him understand why was i in to that situation, which he also realized and accepted his mistake. We started a fresh journey as husband and wife. After 13 years post 2009, my husband was cheating on me which i discovered with the help of one agency. He was going around with one married lady. Luckily i cud figure this out in time with proofs and informed that ladies husband also. Post this revelation my husband has changed. He was not feeling guilty at all of what he did as he had lot of plans of leaving me and my 2 kids. He wanted to get separate and stay with his parents only, he was not interested in our family anymore and did not wanted to take any responsibility of our 2 kids, he started playing victim card that when my wife had an affair i did not revealed to anyone,then why is that she has revealed. Its now more than 6 months he is still not back on track, neither he feels guilty nor talk with me. Manipulate the conversation and his action every time. Not able to understand his behavior and this behavior is affecting my daily life. He doesn't update where.does he go, what is he doing. He is jobless since last 7 years. Hence i am only the earning member staying with i laws and kids. Day by day my patience are getting over. Please advise should i get separated from him and stay.with my kids only. Pls suggest
Ans: Dear Anonymous,
Well, it's classic behavior when there is no emotional bond within a marriage; seeking that outside of marriage...Now, with both of you having stepped out of it, it's going to take not just your efforts to put things together BUT a discussion on whether you two want this marriage to work. If YES, then work at it...
You will need to together work at dropping past baggage and starting on a clean slate.
But if NO, that's a decision that also needs a lot of deliberation. Are you willing to get out of the marriage as over time we get habituated with a person even with all they are and they are not. Think of how your life will pan out with your husband in it and not in it? Weigh this carefully and then decide what must be done next. This becomes important as there are children involved and it impacts them in a big way as well.
Take some time, confide in a trusted person and go into the depths of the pros and cons which will enable you take a step and move ahead...

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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Latest Questions
Ramalingam

Ramalingam Kalirajan  |7028 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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Money
Sir, Im 54 yrs, present monthly take home pay in hand of Rs.2.5Lacs after all I.Tax etc. deductions. Car EMI till Dec 2026 to be paid will be Rs.5000 per month. Have Health Insurance cover for 25 lacs, Term Insurance for Rs.2Crores but no Life Insurance cover. Monthly SIP is Rs.1Lac. Had made a lump-sum investment of Rs.55Lacs in Mutual Fund which is now valued around Rs.75Lacs. I'm not able to save anything beyond this due to family responsibilities and have to start repaying my son's education loan of Rs.20Lacs which would commence after 2.5 years (as he is studying now). Can you please let me know how much of corpus I might have at the time of my retirement if I continue to work till the age of 58years? Regards
Ans: Based on the information you’ve shared, let us assess your situation and provide insights into your potential retirement corpus.

Current Financial Position
Take-home salary: Rs. 2.5 Lacs per month
Car EMI: Rs. 5,000 per month (ending Dec 2026)
Health insurance: Rs. 25 Lacs
Term insurance: Rs. 2 Crores
Monthly SIP: Rs. 1 Lac
Lump-sum investment in mutual funds: Rs. 75 Lacs (current value)
Education loan repayment: Rs. 20 Lacs starting after 2.5 years
Retirement age: 58 years (4 years from now)
Assumptions for Projection
Your SIP of Rs. 1 Lac per month continues until retirement.
Your lump-sum mutual fund investment grows at an assumed annual rate of 10%.
Monthly SIP investments grow at an assumed annual rate of 10%.
Education loan repayment starts in 2.5 years. Let’s consider this doesn’t disrupt your SIPs.
Estimated Retirement Corpus
1. Growth of Existing Lump-Sum Investment
Current value: Rs. 75 Lacs
Growth for 4 years at 10%: Approximately Rs. 1.1 Crores
2. Future Value of Monthly SIPs
SIP: Rs. 1 Lac per month
Duration: 48 months (4 years)
Growth at 10%: Approximately Rs. 63 Lacs
Total Corpus at Retirement
Lump-sum mutual fund value: Rs. 1.1 Crores
SIP investments: Rs. 63 Lacs
Total corpus: Rs. 1.73 Crores
Recommendations
Education Loan Repayment: The repayment may require adjustments in your budget. Consider partial withdrawals or rebalancing investments if necessary to avoid disrupting your SIPs.
Increasing Savings: Once your car loan ends in 2026, channel the Rs. 5,000 EMI into SIPs to further enhance your corpus.
Financial Review: Regularly review your investments and retirement goals with a Certified Financial Planner to ensure alignment with market conditions.
Final Insights
If your investments grow at an average rate of 10%, you may have a retirement corpus of approximately Rs. 1.73 Crores by age 58. Focus on maintaining your SIP contributions and ensuring liquidity to manage upcoming education loan repayments effectively.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |3908 Answers  |Ask -

Career Counsellor - Answered on Nov 15, 2024

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Career
I have completed my bsc nursing and have one year of experience in india. There's offer from my miles talent hub to do 1 year stem program in usa and then 3 year work visa will be granted. Should i do that or there's is better opportunities for me to do.
Ans: Miles Talent Hub's offer to go to the US for a year to do a STEM program and then stay for three years on a work visa could be a good chance, especially if you want to work and travel abroad and advance your career. Before you decide, here are some things to think about:

If you go to a STEM school in the US, especially in a field like healthcare, you might be able to find new job opportunities in advanced medical technologies, research, or management that you might not be able to find in India. It's possible that the 3-year work visa will help you learn about the global healthcare industry while also letting you make money.

Effects on your finances and your life: Studying abroad can be pricey, so make sure you look at all of the costs, such as tuition, living costs, and any scholarships or other financial help that might be available. Think about whether you can handle being away from home for a long time.

Opportunities in India: The United States has a lot of great opportunities, but India also has room to grow, especially since the need for healthcare workers is growing. In India, look for job openings, higher education programs, or specialized certifications that could help you move up in your business. Think about where you want to be in 5 to 10 years. This could be a good first step if you want to grow in a foreign setting or go to school abroad to study nursing or healthcare management. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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Kanchan

Kanchan Rai  |402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2024

Relationship
Hello I am a 40 year old married female. Off late I started feeling attracted to my married Male Friend of last 5 years. I love my husband a lot and can never think of betraying him. But I feel happy in the company of this friend of mine. He sort of has the qualities i always wanted from my husband and as we all know not everyone can possess every quality. I was aware about his liking towards me like he used to flirt with me someway or other also recently he admitted the same to me that he likes me since our first meeting. As we are family friends and stay in the same building, we keep meeting often with family and sometimes only two of us as we like spending time talking to each other. In our recent visit we hugged each other in the rush of emotions. We both got just blown away by the surreal feeling. We admitted the same to each other. After this meeting we kept messaging each other the whole day and so on for next few days and suddenly one day he said he fears this might ruin our family friendship and started ignoring and maintaining distance, he stopped messaging or calling me without discussing anything. But now I am attracted to him so much that I can not take his absence or apathy towards me and want to have cordial relations like we were before, when it was not vocal between us that we like each other. I am not able to adjust to the fact that the person who used to admire and respect me so much and wanted to have a lifelong friendship can become suddenly so distant. I want an advise whether I am wrong in expecting atleast a normal relation like friendship to continue between us. As we have never crossed our boundaries and hugging once will not count as betrayal. Please guide I want him back as before.
Ans: a close relationship with someone outside your marriage, especially when emotions are involved, introduces challenges. You’re aware of this already, and it seems your friend has also recognized the complexities, likely explaining his sudden need for distance. Often, when feelings come to the surface, they carry a weight that makes people reconsider their boundaries to protect the larger relationships at play—in this case, both of your marriages and family dynamics. This pullback doesn’t negate his admiration or the value he places on your friendship but rather reflects the reality of the situation and the need to guard against further complications.

You might find it helpful to explore what exactly you’re drawn to in your friend’s qualities. It could be that he reflects an aspect of yourself you wish to bring into your own relationship. Identifying these qualities is powerful, as it can help you shape a conversation with your husband, potentially bringing deeper fulfillment to your marriage. Many couples find new dimensions in their relationship when they openly discuss what they yearn for and ways to bring those qualities to life together. While it may feel challenging, these conversations can foster intimacy and growth.

It’s also worth noting that maintaining your friend’s respect and allowing him space is likely the best way to preserve your connection long-term, even if it feels painful right now. His distance might ultimately help both of you return to a place of friendship, but pushing for that too soon might complicate things further. In the meantime, remember that it’s natural to feel a loss or a longing for a friend’s company when circumstances shift. Practicing self-compassion and care can be grounding during times like this, as can seeking other outlets for support, such as close friends, hobbies, or moments of solitude that allow you to process your emotions.

Time and patience may help bring this friendship back to a more natural and comfortable place, but focusing on your marriage and yourself will allow you to stay true to your values and find a sense of peace, regardless of the ultimate outcome with your friend.

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Milind

Milind Vadjikar  |619 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Money
Hi Sir, I'm 43+, My Monthly take home is around 3.40 Lacs, Currently i have invested in Shares (Current Portfolio is around 1.40 Crs). EMI is around 1.2 lacs P/m (Home loan 1 - 50K per month till 2037, 30K car loan till 2027 (Planning to close this year by paying 13 lacs, please suggest if this option of preclosure is good or EMI is good, will be paying this amount by selling some shares), 30k per month of home 2 till 2040., Last year i have started investing in SIP 1 lacs P/M, and balance 1.20 lacs goes in house, kids education expense. Have EPF balance of 40 lacs as on date. As mentioned above recently i have started investing in SIP (From Oct 2023 onwards), which is at the tune of 1 lacs per month. SIP are Franklin India Prima Fund regular Plan - Growth - 25K, ICICI Prudential Small cap fund retail plan G - 25K, Kotak Multicap fund regular plan growth - 15K, DSP Blackrock mid cap fund regular plan growth - 10 K, and Parag Parikh Flexi Cap fund - Regular plan growth - 25 K. Will increase the SIP investment by 10% every year going forward. Sir, My question is with current SIP and shares investment will i be able to generate 10~12 Cr corpus fund by retirement (Assuming that i will be in Job and working for next 15 years). Current Share portfolio is for long term investment only (assuming i get 12~15% of return every year). Please note : will be spending around 60~70 Lacs for my Son education in engineering from 2027 to 2031, 50% will be spend from savings and balance 50% from education loan. Current value of house 1 - 1.35 Cr (EMI is 50K), House 2 Current Value is 82 Lacs (EMI is 30K).
Ans: Hello;

Kudos for holding judicious blend of assets in equity(stocks and MFs), real estate, EPF.

Your thought process is absolutely spot on. You should prepay the car loan through shares corpus and close the EMI.

If you maintain monthly sip of 1 L with yearly top-up of 10% for 15 years then you may accumulate a corpus of around 8.68 Cr.

Stock holding of 1.27 Cr(13 L considered to be deducted for car loan prepayment) is expected to grow into a sum of 5.31 Cr in 15 years.

EPF balance of 40 L will grow into a corpus of 1.27 Cr over 15 years. Fresh contributions, if any, will be bonus.

So cumulatively your total corpus at the end of 15 years from now will be 8.68+5.31+1.27=15.26 Cr.

Due to your sound financial planning you may not need education loan for son's education.

Modest return of 12%, 10% and 8% are considered from mutual funds, direct stocks and EPF respectively.

Happy Investing;

...Read more

Dr Shyam

Dr Shyam Jamalabad  |79 Answers  |Ask -

Dentist - Answered on Nov 15, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Health
Doctor, could you kindly recommend specific brands of toothpaste suitable for children of different age groups? I’m particularly interested in knowing which brands would best support their dental health at various stages of development, considering factors like fluoride content, flavor, and overall safety. Could you provide guidance on which options are most effective for toddlers, young children, and older kids?
Ans: Hello
For toddlers and young children, it's essential to choose a toothpaste that is safe and effective for their developing teeth and gums. Here are some recommendations:

1. *Fluoride-free toothpaste* (0-2 years): For infants and toddlers, a fluoride-free toothpaste is recommended. Look for a toothpaste specifically designed for this age group, like "Baby Toothpaste" or "Training Toothpaste". Please note that Fluoride, although extremely beneficial when used locally can lead to fluorosis if accidentally ingested. This is the reason toddlers need to use fluoride-free toothpastes.

2. *Children's toothpaste with low fluoride* (2-6 years): For young children, a toothpaste with a low fluoride concentration (around 500-600 ppm) is suitable. This helps prevent fluorosis (white spots on teeth) while still providing cavity protection.

3. *Gentle ingredients*: Opt for a toothpaste with gentle ingredients, to minimize irritation.

5. *Flavor and texture*: Select a toothpaste with a child-friendly flavor and texture to make brushing teeth a fun experience!

Most popular toothpaste brands offer multiple options for toddlers and young children.
In addition to these there are a few brands specially formulated for children which are ethically promoted (not commercially advertised, but sold through chemists on dentists' prescriptions) You may speak to your child's dentist for specific recommendations.

Remember to always supervise your child while brushing teeth and teach them proper oral hygiene habits from an early age!

...Read more

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