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Anu

Anu Krishna  |1190 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 12, 2024

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
Asked by Anonymous - Dec 09, 2023Hindi
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Relationship

I m not able retired but not tired best to control extra n useless thoughts/compulsive behaviour as compelled marital life n maintain Rourine which I lost after being retired but not tired with tegrets of unsuccessful personal n official life. ex HOD(Electrical)/Principal Govt.Polytechnic 4 SC Students

Ans: Dear Anonymous,
Your question to me is very unclear and what I understand is that you are dealing with useless thoughts...The only way is to find something useful to do...something that is fulfilling and something that you can enjoy...
Retirement does not mean that you sit at home all day feeling sorry for yourself BUT utilize this time to do things that you could not do while in employment. Manage your time wisely and if your finances permit, travel...travel brings in new experiences and new stories to fill your life with.

All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2023

Asked by Anonymous - Feb 23, 2023Hindi
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Relationship
I am 60 year old havig a family of a spouse and a son. since last two years our relation with spouse is not moving smoothly for everything there is an argument and no concensous in the matters of day tody life, son is also not lisoning properly I am under seveor stress which is leading to upset my health and I am facing epilepsy problen since last months I am unable to forget the things and move ahead. Thsere was no problem in leading a normal middle class life. I am facing in security and also I facinig negativities in my life and slowlely slipiing in depression I am trying too much to forget theses things but I am not in a position to lead a peacefull life inspite of adequate resources. Kindly advise me.
Ans: I'm sorry to hear that you're going through a difficult time with your spouse and son. It sounds like the arguments and lack of consensus are causing you a lot of stress and impacting your health. It's important to prioritize your health and seek support if needed.

It might be helpful to try and have an open and honest conversation with your spouse and son about how you're feeling and see if there's a way to work together to improve the situation. It could also be beneficial to seek professional support, such as therapy or counseling, to help you manage your stress and emotions.

Additionally, taking care of your physical health through regular exercise, a healthy diet, and enough rest can also help improve your overall well-being. It's important to remember that it's okay to ask for help and take steps towards finding peace and happiness in your life.

..Read more

Anu

Anu Krishna  |1190 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 03, 2024

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Relationship
Hello mam I'm Ankur , CSE(1 yr), 20 yr old boy and Every new day is new hope, but when it ends ,I'm still same & now I have lost the belief in me & everything else also. But still I get voices/images in my head of being good, doing work, making money, changing lives and things which i want to do, but fear/hesitate to do them. And that's why I try to find solutions of it by reading(self help, comedy)books, yoga(sometimes),.. but after 3-4 days I get defeated. And the vicious life starts again..(quiet, distracted, alone,..). I use mobile a lot( Yt, Po*n, reading material(self- help), speech(motivation), ..) but I use this as a way by which I can forget the stress/life condition/problems.. clearly "NO CONTROL". I'M writing so maybe i can get some relief & solution..
Ans: Dear Work,
Well if motivational gyaan helped all of us, there would be no sadness or anger or anxiety in any of us, right? All this material available in plenty, and it helps to make us aware of what can be done to improve oneself. But what is also required is to find the root cause of the stress and looping into things that add more stress.
See an expert who can work on core issues that you carry within you. Without knowing details, I will be generalizing and what you require now is for someone to guide you not just through motivation but also touching through the root cause of what is not working for you.

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
Moneywize

Moneywize   |166 Answers  |Ask -

Financial Planner - Answered on Oct 08, 2024

Asked by Anonymous - Oct 06, 2024Hindi
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Money
I’m Suresh from Ahmedabad. I’m 47 with one daughter, aged 15. I’ve been investing Rs 50,000 a month in equity mutual funds for the last 5 years. My goal is to accumulate Rs 2 crore for my daughter's education and our retirement. Am I on track, or do I need to adjust my portfolio?
Ans: Let's analyze your investment scenario and suggest possible adjustments:

Current Situation:

• Investment: Rs 50,000 monthly in equity mutual funds
• Tenure: 5 years
• Goal: Rs 2 crore for daughter's education and retirement
• Time Horizon: Assuming retirement in 20 years (when your daughter is 35)

Analysis:

• Accumulated Amount: Considering an average annual return of 12% (which is reasonable for equity funds over a long term), you would have accumulated approximately Rs 58.5 lakhs after 5 years.
• Gap to Goal: To reach Rs 2 crore in 15 years (remaining till retirement), you'd need an annual return of around 15%, which is achievable but might involve some volatility.

Recommendations:

• Increase Investment: To bridge the gap and account for potential market fluctuations, consider increasing your monthly investment by 15-20% to Rs 60,000-65,000.
• Review Portfolio: Ensure your equity fund portfolio is well-diversified across different sectors and market caps. This helps mitigate risk and capture potential growth opportunities.
• Consider Debt Funds: As your retirement nears, gradually allocate a portion of your investments (around 20-30%) to debt funds or hybrid funds. This provides some stability and reduces overall risk.
• Emergency Fund: Maintain an emergency fund of 3-6 months of your expenses in a liquid savings account or short-term debt funds to cover unexpected expenses.
• Regular Review: Review your portfolio periodically (at least annually) to assess its performance against your goals and make necessary adjustments.
• Remember: Investing in equity funds involves market risk, and returns are not guaranteed. It's essential to stay disciplined, invest for the long term, and consult with a financial advisor if needed.

Disclaimer: This analysis is based on assumptions and general market trends. It's always advisable to seek personalized advice from a qualified financial planner.

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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1105 Answers  |Ask -

General Physician - Answered on Oct 08, 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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