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Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Nibedita Question by Nibedita on Apr 02, 2023Hindi
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Relationship

Dear Madam I am a mother of 24 year daughter. She studied in a reputed school with convent background till class XII. After that she went to Bangalore to study Mass comm but came back to her home town. Here again she got admitted to a new college but due to influence of drugs she could not continue. However she is out of that now. In 2020 she fell for a guy who is two years older and started living with him separately without our consent .She was working with a tier 1 IT company then and later she was asked to leave due to attentdance. After that she joined many company but could not continue. Though the guy work sometimes but the main point is he beats her up. Many times she came out but again she goes back saying she cant leave him. She has 5 dogs. Recently also something happened and her friends from canada called me . We asked her to come back but then later she backed out. We are afraid that we might lose her. We are just clueless what to do. How to convince her as she never listened to us. She is our only daughter and me and my husband are working parents.

Ans: Dear Nibedita,



I'm sorry to hear about the situation you're facing with your daughter. It's understandable to feel helpless and unsure about what to do next.

First and foremost, it's important to remember that your daughter is an adult, and ultimately, it's her decision on what choices she makes. However, as her parents, you can still offer support and guidance to help her make the best decisions for her well-being.

It's concerning to hear that your daughter is in an abusive relationship, and it's crucial to ensure that she understands the gravity of the situation. One option is to speak with a professional, such as a therapist or counselor, who can provide insight on how to approach the topic and offer guidance on how to support her.

Additionally, it may be helpful to reach out to organizations that specialize in supporting victims of domestic abuse. They can provide resources and advice on how to deal with the situation and can even offer assistance in finding a safe place for your daughter and her pets.

It's important to maintain open communication with your daughter and let her know that you're there for her, no matter what. Try to avoid blaming or shaming her for her choices, as this can further isolate her from seeking help. Instead, express your concern and offer to assist her in finding a solution that works for her.

Ultimately, it's essential to prioritize your daughter's safety and well-being, even if it means taking difficult steps such as seeking legal action or involving authorities.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Relationship
Hi, my daughter got married in 2018. Her husband works in the US. Immediately after marriage she left with her husband to the US. My daughter is a single child and had a protected sort of life. At times immature and stubborn, she also has anger issues. She was not supposed to work, as my SIL wanted a housewife.There was compatibility issues between them from the beginning. He is from a very conservative family which we were not aware of before marriage. She got depressed there as the climate did not suit her and had no one to talk to. Most of her neighbours were working. SIL was busy with his work. They used to go out for drives or visit nearby places.We were not allowed to visit her. She finally came down to India homesick and in depression in 2020. Since then, he seems to be totally indifferent to her. She misses him terribly but he seems disinterested. He is only career driven and she has to message him always. He doesn't want to video chat or voice-call her. It’s nearly two years now. We tried talking to his parents but since they are financially dependent on him, they are not doing anything. What is to be done in this case? Please advise.
Ans:

Dear MM,

I am not against getting daughters married to people who live abroad, but at the same time, there’s only little that you know of them.

Just because the boy lives in the US, does not mean that he is broad minded and progressive.

Sadly, your daughter has fallen into a family that does not value feminine charm and power and wants to cull it before it can spread its magic around.

How do you explain something like this to her?

As a woman and mother, will you tell your daughter to grin it and bear it?

Someone who doesn’t have the decency to initiate a call to talk to his wife, sitting on a throne waiting for her to call? (I am going by the details provided by you as I don’t know his side of the story here).

It might be worth the effort to talk to your daughter and find out, if she has also put in the necessary work into growing into the marriage; as living far away from the family might have made her homesick and not working might have made her feel lonely.

This might have also caused her to isolate herself from the marriage which in turn would have caused cracks in it.

Hear both sides, and then come to a wise decision! Ultimately, she’s your daughter and I do know that you want what’s best for her.

So, think and act in a manner that’s best for her; unbiased to begin with.

Best wishes!

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Career
Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

...Read more

Pradeep

Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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Career
I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

...Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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Money
I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

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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