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Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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
BS Question by BS on Oct 06, 2020Hindi
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Relationship

Dear ma'am, I am going through a tough mental state right now. I do not know what state is this. It may be fear, lack of confidence or anything else.

On 25th November 2019 I underwent surgery for anal fissure and piles.

It took a long time to heal as I was suffering from constipation even after surgery.

Every morning i would have a trauma like situation before going to bathroom. My stool would be hard enough to pass with blood both before and after surgery.

I generally get nervous after seeing blood. In the meantime surgery has been healed.

Even today I have constipation.

I suffered from rhinitis like situation after surgery by consuming fruits and curd to make stool soft. feel difficulty in breathing

With these medical conditions I developed a mental condition at which i always feel sick myself. No mood or energy to do anything. Fearing for life.

When I wake up in midnight it gets very tough again to sleep. I sweat a lot.

There is so much negative thought in my mind at night. I feel heavy in my head. I fear every sound I hear which disturbs and terrifies me.

I consulted a psychiatrist 7 days ago; he told me that it is fear and lack of confidence. He has given me medicines to overcome fear.

Kindly suggest ma'am at which state I am and help me. I am actually obsessed with my health and my life.

Every moment I feel I would die. Nervousness grips me. I have lost weight of around 18 kg post surgery.

Ans: Dear BS, I can only imagine what you are going through and I truly hope that you feel better soon.

Fear is what can increase your physical symptoms and you will feel ill. Which is what is happening to you!

All the sounds and thoughts are a result of overworking the mind with your health and fearing the worst.

But do ask yourself: What if I have actually recovered? 

It will be good to know when this problem exactly began; what triggered it. If there is an event or a situation that caused it, then you know you might have to work on that.

Sometimes, fear makes children’s stool hard too and as doctors treat constipation, it is also necessary not to keep being fearful of it.

I know the surgery might have made it worse in the mind which is why I suggest start waking up every morning by believing that your surgery has worked and that you are fully recovered.

The simple belief instilled in your mind can work wonders by positively influencing your body to support your whole health. Also, calm the mind with meditation and exercises to keep the body supple and healthy.

To keep the stools soft, eat a lot of food that high roughage content. Slowly, you will see your mood and energy come back and feel a lot better.

All in all, believe that you are healing. Wishing you a wonderful health.

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Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

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Relationship
I’m facing depression problem since last 28 years during that period I have shivering in hands and legs, have brain disorder, appetite is not proper, I don't enjoy anything. I don't like taking bath, don't like going out, don't like changing clothes, every moment feels suicidal but I have controlled myself these years. I have also opted for psychiatric treatment, I come out of it but again after a year or so I again get depression there is some chemical imbalance in my brain. I got Divorced because of this disease my life got shattered. I really don't know what to do.
Ans: Dear A, I can only imagine what you are going through. Do you want to feel better not for anyone else, but for yourself?

Break this mould that you are in please. You already have by sharing here on this platform. So that’s a courageous step towards a better life.

How can you do this?

This may sound very instructional, but since you aren’t a client that I work directly with, this is something I can offer you on top of my mind.

Firstly, please work with a Psychiatrist who also believes in alternate intensive Mind Therapy that you absolute need right now.

They need to work in tandem for you to get to a better state. There will be a point in time when the medication can be weaned off as the alternate therapy starts to work on you. That’s why both these experts need to see eye to eye and work for you and with you and not stick to their ground. Please touch base with groups/friends who can help you

In the interim, do the following almost like a prescription…it can be an ally to you.

  • I want you to cover your walls with pictures of positive quotes and images that you can see first thing in the morning
  • Hang out with people who nurture and nourish you
  • Eat only freshly cooked food without preservatives
  • Everyday pen down 5 things that you are grateful for
  • Spend time with Nature; walk barefoot on grass, immerse your hand into water for a few minutes everyday and let go of what doesn’t serve you
  • Spend time going back into places in your mind when you actually were happy; celebrate it

And most importantly, move in with your family and allow them to step into care for you till you are back on your feet.

Please take care and I wish you a good healing.

..Read more

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Mutual Funds, Financial Planning Expert - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Money
Sir, I wqnted your advise, regarding an investment. My building is going for re-development, there is a additional flat sale for about 1cr, which will be ready in about 3 years. Please can you advise is it worth to invest 1cr in additional flat, i have savings of about 1cr, or should i keep the 1cr as Fixed Deposit. I do not have knowledge about investment in mutual funds or SIP. Thanks to advise.
Ans: It's commendable that you're considering the best investment route for your Rs. 1 crore savings. Let's evaluate the options you've mentioned and explore a comprehensive approach to wealth creation.

Understanding Your Investment Options
1. Investing in the Additional Flat

Illiquidity Concerns: Real estate investments are typically illiquid. Selling a property can take time and may not fetch the expected price.

Maintenance and Other Costs: Owning an additional flat comes with recurring expenses like maintenance charges, property taxes, and potential renovation costs.

Market Volatility: Property prices can fluctuate based on various factors, including economic conditions and government policies.

Rental Income Uncertainty: If you're considering renting out the flat, rental yields in many Indian cities are relatively low compared to the property's value.

2. Keeping the Amount in Fixed Deposits (FDs)

Low Returns: FDs offer fixed returns, but these may not outpace inflation, leading to a decrease in real purchasing power over time.

Tax Implications: Interest earned from FDs is taxable as per your income slab, which can further reduce the net returns.

Lack of Flexibility: Premature withdrawal from FDs can attract penalties, limiting liquidity.

Exploring Mutual Funds as an Alternative
Given that you're new to mutual funds and SIPs, it's essential to understand their potential benefits:

Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research.

Diversification: By investing in a mutual fund, your money is spread across various assets, reducing risk.

Liquidity: Most mutual funds offer high liquidity, allowing you to redeem your investment when needed.

Potential for Higher Returns: Historically, mutual funds, especially equity-oriented ones, have offered higher returns over the long term compared to traditional instruments like FDs.

Tax Efficiency: Mutual funds can be more tax-efficient, especially with the benefits available under certain sections of the Income Tax Act.

Recommended Approach
Considering your current situation and the pros and cons of each investment option:

Avoid Investing in the Additional Flat: Given the illiquidity, associated costs, and potential market volatility, investing in another property may not be the most efficient use of your funds.

Limit Exposure to FDs: While FDs offer safety, the returns may not be sufficient to meet long-term financial goals, especially after accounting for inflation and taxes.

Consider Mutual Funds for Wealth Creation:

Start with a Lump Sum Investment: Allocate a portion of your Rs. 1 crore savings into mutual funds, focusing on a mix of equity and debt funds based on your risk appetite.

Initiate SIPs: Set up Systematic Investment Plans to invest a fixed amount regularly, benefiting from rupee cost averaging and disciplined investing.

Consult a Certified Financial Planner: Given your unfamiliarity with mutual funds, seeking guidance from a certified professional can help tailor an investment strategy aligned with your financial goals.

Final Insights
Your initiative to seek advice before making a significant investment decision is commendable. By steering clear of additional real estate investments and limiting exposure to low-yield instruments like FDs, you can explore avenues like mutual funds that offer the potential for higher returns and greater flexibility. Engaging with a certified financial planner can further ensure that your investment strategy is well-aligned with your long-term financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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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