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Anu

Anu Krishna  |1617 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 11, 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
Prasad Question by Prasad on Jan 08, 2024Hindi
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Relationship

Ok ma'am...thanks..I am really observing her as she is in my office .day to day the face comes in front..but the thing is that she says that my parents are looking someone which they want and they wish ahe could marry with the person which they decide..but when she came in my life she told me that I am totally alone we can plan our future from here..but suddenly how can just a miracle happen??I was always planning for life with her...but now she is working in my office but she says we can't come in our relationship in future..so I am so much confused what to do ..I am executing the changes which I have promised her.but still I am not getting the clue whether to continue with her or not .she is totally on the closing...plz guide me

Ans: Dear Prasad,
Hasn't she told you that 'we can't come in our relationship in future'?
Which part of this sentence do you not understand? What more do you want her to say that will convince you that she is not interested in you?
That's why I had suggested that you become unavailable to her. If she has feelings, your absence may possibly make her want this relationship and it will be her turn to make things work...
But I get this feeling that you are in desperate space and want to hear that All is Well...No, it isn't for now...
Either with the space that you make will get her back in an appreciative way OR you will realize your own worth...either way, you will be better than what and where you are now...Hope this helps you get on the right path...

All the best!

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Kanchan

Kanchan Rai  |597 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2024

Asked by Anonymous - Sep 16, 2024Hindi
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Relationship
Hi mam, im a lecturer since 5 years. Im in relationship with a girl from Srilanka. Most of our conversation was through mobile. She is a tutor in srilanka for 10 and below standard students. Now I'm 29, she is 27. Since 5 years we are loving each other. We hardly met. In Krishnagiri Tamilnadu I first met her in a Psychotherapy course, witch was about a month. We were good friends in the beginning of our relationship and at the end of a month course she was flying back to Srilanka, before she goes she kissed on my forehead, from then on im in love with the girl. For first few years we were happy in our relationship, but last two years onwards we fight almost every day. Both sides parents are fixing matches, both us are rejecting all the matches but we never shared with our families. Don't know where our relationship is going to end. Its not that my parents won't accept, but when my parents and siblings ask do you any one whom you want marry, or love some one I am not able to reveal to them. Many times I decided and planned and imagined to speak with my family but when it comes to reality im not able to speak. Other side she also is not revealing anything to her parents. Im rejecting the matches that are coming, she is also rejecting of hers. But both are not speaking properly now a days. Most of the time our relationship is filled with fights. Both are adjusting. Some time im feeling to stop the relationship and not to marry at all. I told her to marry as her parents say, and I don't want marry anyone. She is also saying me to marry some one and she wants remain single. But don't know what is happening between us. Im confused to continue or break up or marry her or not to marry her. Nothing is working in my mind. Recently my parents have brought a proposal who was my childhood crush. Suddenly I am indirectly telling her to marry to whom her parents give. She also getting good proposals but rejecting saying that she needs to work and earn money. Same reason I'm also giving. One more issue is she is tamilian of Srilanka and I'm Telugu from Andra. Both family members can't speak directly also. Unable to take any decisions. Kindly help me
Ans: The fact that you're not able to communicate openly with your families, despite rejecting matches on both sides, shows that there might be some fear or hesitation about fully committing to this relationship. Maybe it’s the distance, the cultural and language differences, or the struggles you’re having recently in your relationship that are making it difficult to move forward.

On the other hand, both of you seem to be stuck in a cycle where you're not happy but also not ready to let go. This might be causing even more stress and frustration, leading to the frequent fights. The decision to stay together or part ways is something only you both can make, but it sounds like there’s a lot of unresolved tension and unspoken fears in your relationship.

One thing to consider is having an honest conversation with each other, not about the fights or current frustrations, but about what you both want for the future. If you're both rejecting matches, it shows some level of commitment, but the real question is whether you both see a future together. Do you still love each other, or are you staying together out of habit and fear of the unknown?

If you both feel there is still something worth fighting for, it might be worth giving the relationship another chance by opening up to your families. This could ease the pressure you're feeling and help you both feel more supported. If, however, the love has faded and the fights have taken over, it may be time to re-evaluate whether staying together is what's best for both of you.

In any case, clarity will only come through open communication—both with her and your family. If you continue to stay in a relationship without making a clear decision, the frustration and confusion will likely grow. Take some time to reflect on what you really want, and then take the courageous step of addressing it with her and your families. This may not be easy, but it’s the first step to finding a resolution and peace in your heart.

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Anu

Anu Krishna  |1617 Answers  |Ask -

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

Asked by Anonymous - Oct 07, 2024Hindi
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Relationship
Hi, I am 25 years old and in a situationship with my colleague who is at Kolkata, she is the girl which i wanted but everything happened in our virtual convo work talks and then personal talks, then calls happened..we ve never met...but its there ki we love each other. But her 2 marriages already broke up due to some or the other reason and her parents are looking for another one..she is bengali i m maharashtrian..also we both love and respect our parents and afraid to tell them as it will deterior their image in society. She dont want any commitment she has told and she has lost faith and trust in god due to this she told she will compromise her marriage whoever her father will say...but this will neither of us keep happy...what to do here..
Ans: Dear Anonymous,
You are young and have your whole life ahead to make it the way that you want. There is no need to compromise and get stuck in places that are going to challenge you. When she is not ready for a commitment and has a lot of baggage to clear, it is too much at your age to be taking it on. If you still decide to, then be prepared for an uphill task.
Also, without meeting, don't be quick to call it Love etc and then this label will tie you to do things that were unnecessary in the first place.
Kindly ask yourself if you are ready to commit to someone who does not value commitment.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8633 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - Jun 02, 2025
Money
Hi Sir, I have inherited 6-8 lakhs. I am a freelancer and have 3 yr son. I want a monthly income plus want the money to grow. Please guide.
Ans: You are taking a responsible step for your financial future and your child’s well-being. Let us now explore a 360-degree financial action plan for you. This plan will help you get regular income while growing your money steadily.

Let’s begin with a clear and simple approach.

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Know Your Core Financial Needs

You need a regular monthly income. You also want growth for the future.

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Your investment must support you now. It must also secure your child’s future.

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Your capital must be safe. It should not be locked or misused.

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You must stay protected from sudden financial shocks.

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This needs careful planning. You cannot take random investment decisions.

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Understand the Money You Have

You received Rs. 6 to 8 lakhs as inheritance.

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This is a one-time opportunity. You must treat it with care and purpose.

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As a freelancer, your income is variable. So, stability is very important.

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You should use this corpus to balance risk, income, and growth.

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This money should reduce your stress. It should not become another pressure.

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Split the Money Into Two Buckets

Use Bucket 1 for monthly income. This is your stability base.

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Use Bucket 2 for long-term growth. This is for your child and future.

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For example, from Rs. 8 lakhs, keep Rs. 3 lakhs in Bucket 1.

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Keep Rs. 5 lakhs in Bucket 2 for growth.

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Do not mix both buckets. Use each with full clarity.

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Build Monthly Income (Bucket 1)

Put Rs. 3 lakhs in low-risk income options.

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Choose options that give monthly income without capital loss.

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You can consider options like short-term mutual funds through a Certified Financial Planner.

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Use systematic withdrawal plan (SWP) to get regular monthly income.

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Avoid using dividend options. They lack predictability and control.

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Avoid annuity products. They block your capital and give low returns.

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Keep money in SWP with a 3–5 year view. Review it every year.

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Grow Money for Your Child (Bucket 2)

Use Rs. 5 lakhs for long-term growth. This is for your 3-year-old child.

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Invest in actively managed mutual funds through a CFP-backed MFD.

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Stay away from direct mutual funds. They do not give regular guidance.

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Without guidance, you may lose direction during market volatility.

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A regular plan with portfolio tracking, goal-based changes, and reviews is key.

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Avoid index funds. They may look cheap but give average returns.

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Actively managed funds can beat markets. Index funds just follow it.

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Use flexicap, midcap, or large and midcap fund categories.

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Do not touch this bucket for next 10 years. Let it grow with power of compounding.

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Emergency Backup Plan

Keep 3 to 6 months of expenses in savings or liquid fund.

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This emergency fund gives peace during low freelance income months.

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Without emergency funds, you may break growth investments.

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Emergency backup is not optional. It is a must.

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Secure Yourself with Insurance

Take health insurance of at least Rs. 5 lakhs.

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Do not depend only on savings for medical needs.

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One illness can break your financial plan completely.

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Also take term insurance if you have financial dependents.

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Term insurance is low cost. It protects your child’s future if something happens to you.

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Monthly Income Through SWP – Simple Strategy

Choose a suitable mutual fund with low volatility.

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Invest Rs. 3 lakhs in it through a Certified Financial Planner.

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Start withdrawing Rs. 4,000–5,000 per month.

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This gives you steady income. Your capital also grows slowly.

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Review once a year to check returns and adjust withdrawals.

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Do not stop growth investing in other bucket even if income is needed.

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Continue Freelance Income Planning

Keep aside small savings every month.

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Try building SIPs of Rs. 2,000–5,000 monthly when income allows.

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Invest surplus income in your child’s goal fund.

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Automate the savings so that you stay consistent.

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Avoid frequent changes. Let long-term plans stay intact.

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Review Investment Every 6–12 Months

Meet your Certified Financial Planner every year.

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Review your income, child’s goal progress, and safety fund.

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Adjust portfolio as per changing income or family needs.

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If income increases, move more funds to growth bucket.

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Do not make sudden decisions due to market news.

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Avoid Emotional Financial Decisions

Do not invest in schemes that promise fast income.

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Avoid friends and relatives’ advice that is not goal-linked.

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Avoid buying real estate for rental income. It locks funds and needs maintenance.

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Do not invest in annuities. They give low returns and no flexibility.

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Say no to index funds. They are passive and don’t suit long-term goal changes.

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Avoid direct funds. Stay with regular funds through CFP-supported MFDs.

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Protect Your Child’s Future

Start a separate goal plan for child’s education.

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A small SIP now will build a big corpus in 15 years.

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Keep this money untouched. It is not for regular income.

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Tell your Certified Financial Planner about this specific goal.

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Add small amounts whenever you get surplus from freelance work.

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Think Ahead

Plan next 5 years with income, growth, and protection.

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Next 10 years must focus on child’s education planning.

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From 15th year onwards, you will have a matured education fund.

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After that, shift focus to your own retirement.

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Step by step planning brings balance and peace.

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Finally

You have inherited Rs. 6–8 lakhs. This is a big opportunity. Use it wisely.

Use part of it for monthly income with SWP. Use the rest for growth.

Avoid emotional or risky investments. Avoid direct funds and index funds.

Actively managed funds through MFDs with CFP support give better results.

Build an emergency fund. Keep insurance in place.

Keep investments and income balanced. Stick to the plan.

Review often. Adjust carefully. Think long-term.

Your son’s future and your peace of mind will depend on what you do today.

Start simple. Stay consistent. Avoid shortcuts.

This small corpus can bring big life changes when managed the right way.

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Best Regards,
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K. Ramalingam, MBA, CFP,
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Chief Financial Planner,
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www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |5627 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Asked by Anonymous - May 31, 2025
Career
Greetings sir, I've did my schooling in CBSE and I've scored 92.4 percentage in my Board exam, my cutoff is around 186 and i also have an army quota, I wish to pursue CSE in any reputed colleges in Tamilnadu
Ans: With a TNEA cutoff of 186 and Army Quota (Sons/Daughters of Ex-Servicemen), you can target CSE in these reputed Tamil Nadu colleges:

SSN College of Engineering (Chennai): CSE cutoff for General hovers around 190–200 marks, but Army Quota (8 seats in university departments) significantly lowers rank requirements.

PSG College of Technology (Coimbatore): CSE requires ~180–190 marks; Army Quota (34 seats in govt/aided colleges) enhances admission chances.

Thiagarajar College of Engineering (Madurai): CSE cutoff ~170–180 marks; quota seats in govt colleges improve accessibility.

Coimbatore Institute of Technology (CIT): CSE cutoff ~170–180 marks; Army Quota applies to affiliated institutes.

Kumaraguru College of Technology (Coimbatore): CSE cutoff ~160–170 marks; quota seats in self-financing colleges (108 seats) offer opportunities.

Saveetha Engineering College (Chennai): CSE cutoff ~175–180 marks; Army Quota applicable across categories.

Anna University (MIT Campus): CSE cutoff ~180–190 marks; university departments reserve 8 seats for ex-servicemen.

Government College of Technology (Coimbatore): CSE cutoff ~160–170 marks; govt colleges prioritize quota candidates.

Sri Venkateswara College of Engineering (Kancheepuram): CSE cutoff ~150–160 marks; quota seats in aided colleges.

Rajalakshmi Engineering College (Chennai): CSE cutoff ~140–150 marks; Army Quota applicable in self-financing institutes.

Recommendation: Prioritize SSN, PSG Tech, and CIT during TNEA counseling, leveraging Army Quota provisions (submit valid Ex-Servicemen certificates). Include mid-tier colleges like Kumaraguru and Saveetha as backups, ensuring optimal branch allocation.
All the BEST for your Admission & a Prosperous Future!

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