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Anu

Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 01, 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 - Apr 30, 2024Hindi
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Relationship

I am a single working mother 52 years of age.My son is 27 years has completed his MBA but currently sitting idle at home.He is having a relationship with the maid and when I objected to it he beat me mercilessly.How do I handle the situation as he wants to marry her.He is living off my money.

Ans: Dear Anonymous,
Would you think it will be cruel if I suggested that you throw him out?.
He has to be taught a lesson and the one who resorts to physical abuse for being corrected by his own mother needs a bit of harsh treatment. It's sad that this is your son treating you this way but since he is dependent on you for money, the day you stop giving him money and ask him to leave, you will be doing not just yourself but your son a huge favor.
Parents from the bird and animal kingdom do just that to enable their young ones to fend for themselves as they will not be around them forever.
Instead of giving your son the message that you will take care of his needs, kindly enable him to take care of himself and then he can do what he wishes to...Remember, that you still have the upper hand as you are making the money!

All the best!

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Anu

Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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Relationship
Hi...I feel totally stuck in life...not only me my husband too feel helpless. We both don’t know what to do in such situation. The problem is we have a son who is 22 yrs old, doesn’t want to work; wants to stay at home on pretext of preparing for any exam. He is not even studying at home. We can clearly see that but he refuses to go out for work whether at his own shop or for a job. We have given him enough time to stay at home for studies but every year there is different exam for which he wants to prepare. He doesn’t study sincerely at home. At least 5-6 years have passed. He’s not even attending his regular college for studies. All he wants is to stay at home. He refuses to step out from his comfort zone and has become too aggressive and abusive. Please guide us what we can do to motivate him to work. Thank you.
Ans: Dear KG, why would you keep indulging his whims?

The message to him from you as parents is loud and clear: Keep procrastinating by enrolling for new courses and then be in the comfort of home while you do this, and we will be absolutely okay with it.

When nothing else works, at times you need to take some drastic steps. Rewind to the time that you were raised by your parents… how much of leeway did you have? Did you get the long rope everytime?

There were rules, there were expectations to be fulfilled, there were needs to be met by you and the consequences of not adhering was not very pleasing.

Parents in this day raise entitled children who simply think that ‘anything goes’ with their parents.

It’s time you took the reins back from him; be stern and loving at the same time. He better realize that this time you mean business! No more entitlements…

You are helpless today because of what you were afraid to set down as rules…

Nothing is lost; so lean in and be the parents that he needs the most now to set his mind rolling in the right direction for him. Enable him to be responsible for his own actions and also evolve his own set of goals and achieve them.

A good Peak Performance Coach can absolutely do wonders for your son in terms of direction, goal setting and stepping up. Kindly look this up soon.

And as far as what you can do as parents is, help him build himself and if he falls, let him…pick him up lovingly BUT never step in to solve issues for him. Enable him…

Best wishes as always!

..Read more

Anu

Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 31, 2025
Relationship
I am 52, mother of a daughter and son. Daughter is married and has two kids. My son is only 23. He is in love with a Bengali woman who is 12 years elder to him. I have met her briefly when my son invited her to a family event. He was laughing and cuddling up to her in front of all our guests much to our embarassment. I am a modern woman who has no qualms about anyone expressing his/her emotions. However, my concern is that this woman has begun to influence my son in a bad way. He has been partying away, splurging his savings and is now seeking my help to buy a flat in his girlfriend's name. I put my foot down and since then he has stopped talking to me. My daughter tells me that he has blocked me on his phone and social media. He has quit his job and I am worried he is not taking good care of himself. Meanwhile, the girl looks happy and has been spotted with other young guys at various places. I have not disclosed any of this to my son but I want him to know that he is being cheated on before it is too late. He is love sick and all our attempts to talk to him about this have failed. I feel helpless. What can I do to help my son recover from this mess?
Ans: Dear Anonymous,
As a mother you are only trying to protect your son. So, find what you can on this woman and yes, your son needs to be shown that he is just being played and is another one of her 'boys'. Maybe then he will come to his senses. In the meantime, as a family try to surround him with love and a lot of care. He is only experimenting outside by rebelling at home OR he could very well be searching for some validation and attention outside. Give that attention to him at home and that will help him circle right back.

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

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Ramalingam

Ramalingam Kalirajan  |8598 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 29, 2025
Money
Hi I am 52 years old IT professional, and planning to retire by 56-57. In next 5 year I will accumulate 1 Cr each in PF and PPF , Have stocks worth 2 Cr. And I am sure it will become least 2.53 Cr. FDs worth 70 Lakhs and post office investment of 40+ lakhs. I will also get 40 lakhs from gratuity and superannuation. Please suggest how I should invest so that I will get steady income.. Other than my two sons marriage I will not have any liability Please note I don't trust Mutual funds so please don't suggest SWP, SIP..
Ans: Your preparation so far is strong. With a clear retirement age target, minimal liabilities, and good asset mix, your foundation is solid. Let us now build a secure and income-generating retirement plan for you.

Below is a complete and personalised strategy.



Your Retirement Readiness Assessment

You plan to retire by 56 or 57. You are currently 52. That gives 4 to 5 years.



Retirement corpus will include:



 – Rs. 1 crore in PF
 – Rs. 1 crore in PPF
 – Rs. 2.53 crore in stocks
 – Rs. 70 lakhs in fixed deposits
 – Rs. 40+ lakhs in post office schemes
 – Rs. 40 lakhs from gratuity and superannuation



Your post-retirement lifestyle needs to be carefully calculated. Life expectancy planning should go till age 85 at least.



Your corpus is expected to be around Rs. 6 to 6.5 crore in five years. This is strong.



Two major expenses ahead are your sons’ marriages. These can be met through a planned drawdown.



You have clearly avoided mutual funds. So, we will exclude them. We will build income using other regulated options.



Your Emergency Liquidity Plan

Emergency fund should always be available in safe and quick-access options.



Keep Rs. 15 lakhs in a laddered fixed deposit structure.



Split this into three parts maturing every 3 to 6 months.



This will help if any unexpected medical or family need arises.



FD ladder also reduces reinvestment risk. It provides better liquidity flow.



Do not invest emergency fund in long-term or risky assets.



Retirement Income Portfolio Construction

Let us focus on creating stable monthly or quarterly income from different asset classes.



This should come with minimum risk. Also, inflation should not reduce the value over time.



Split retirement corpus into three buckets:



 Bucket 1 – Safety and Liquidity (2 to 3 years income)
 – Rs. 40 to 50 lakhs in senior citizen savings scheme and post office MIS
 – These provide steady monthly or quarterly income
 – Use your gratuity and superannuation lump sum here
 – You can also consider tax-free bonds if available in the secondary market



 Bucket 2 – Medium-Term Income (4 to 10 years income)
 – Rs. 1 crore in corporate fixed deposits and bank deposits
 – Ensure these are from high-rated institutions only
 – Choose monthly or quarterly interest payout options
 – Ladder the deposits for 3 to 5 year maturities
 – Taxation should be managed through 15H or by splitting under family members if possible



 Bucket 3 – Long-Term Growth and Backup (10+ years)
 – Rs. 1 crore in PPF and PF will remain safe and tax-free
 – Use interest from these accounts later in retirement
 – Keep some part in safe dividend-paying stocks
 – Choose mature, stable companies with 10+ year dividend history



 – Reinvest dividends into bank deposits if not needed now
 – Keep part of your stock portfolio intact to beat inflation
 – But avoid aggressive stocks or sector-based stocks



 – Keep a rebalancing rule every 3 years to shift excess profits to deposits



Income Streams Planning

You need regular income from age 57 to 85 or beyond.



Monthly expenses need to be estimated accurately.



Estimate cost of living at today’s value and account for inflation.



Let us say you need Rs. 1.25 lakhs per month now.



Your PF, PPF, FDs, MIS, SCSS, stock dividends can jointly support this.



Interest from SCSS, MIS, and FDs will form your early retirement income base.



Later, start using your PF, PPF maturity and stock profits.



Withdraw PF and PPF only after 65 or later, if possible.



This structure will ensure you never run out of money.



Insurance and Risk Coverage

At 52, health insurance is extremely important.



Please keep Rs. 25 to 50 lakhs individual health policy for yourself and spouse.



Check if super top-up plans are available to expand your cover.



Renew policies every year without gap. Choose lifelong renewability.



Keep Rs. 10 lakhs medical buffer in bank if you prefer not depending on insurer.



Term insurance is optional at this stage if your dependents are financially secure.



Since you are already financially independent, you may skip term cover.



Gold and Physical Assets

Your current plan includes buying 20 gm gold every year.



While gold offers value preservation, it does not provide income.



Keep gold allocation below 10% of total wealth.



Focus more on income-generating assets like SCSS, FDs, dividend stocks.



If needed, sell part of gold for children’s marriages. Use it only for real needs.



Tax Management in Retirement

Plan withdrawals in a tax-efficient way.



SCSS, MIS, FDs – interest is taxable. Spread across family accounts.



PF and PPF – completely tax-free.



Dividends from stocks are taxable as per your slab.



Keep annual tax-free limit in mind – Rs. 2.5 lakhs basic exemption (plus 1.5 lakh for senior citizens above 60).



Split investments in spouse’s name to save tax legally.



Track your Form 26AS and AIS for interest and dividend records.



File ITR every year without fail to maintain tax history.



Asset Protection and Nomination

Assign nominees for every investment and bank account.



Update EPF, PPF, stocks, FD and PO account nominations.



Write a will if your asset size is large.



Will should mention names of family members and asset distribution.



You can also explore joint holding to simplify post-retirement access.



Keep one asset register updated every six months.



Other Useful Points for Financial Peace

Sons’ marriage fund should be kept in short-term deposits or bonds.



Do not disturb your long-term assets for short-term expenses.



Avoid loans post-retirement. Stay debt free.



Track inflation every year and review income need accordingly.



Do a full review every 2 years with a certified financial planner.



Maintain lifestyle within income. Do not overspend on lifestyle upgrades.



Prefer spending from interest. Avoid touching principal till absolutely needed.



Keep mental peace by building a system-based financial plan.



Finally

You are already ahead in your retirement journey. Assets are in place. You need a structure now.

You want to avoid mutual funds, and that’s fine. The above strategy uses only deposits, PFs, stocks, and post office tools.

This gives you inflation protection, steady income, and safety.

Rebalancing every 3 years will help you stay aligned.

Please implement it step by step, not in one go. Stay in control always.

Live simply, spend wisely, and let your money work peacefully.



Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Aasif Ahmed Khan

Aasif Ahmed Khan   |170 Answers  |Ask -

Tech Career Expert - Answered on May 29, 2025

Career
Sir during our 4 years of engineering how can we develop our skills which are required for placements and future. Since AI Is developing day by day and is replacing humans which is reason for many people losing their jobs and in future very less number of jobs. Could you please tell how can we develop our skills both dependent on college and independent on the engineering college in which we are studying
Ans: Skills to be Developed in College:
Strong Fundamentals: Master core subjects like programming (Python, Java, C++), data structures, algorithms, mathematics, and engineering principles.
Project-Based Learning: Take advantage of labs and project work—real-world applications will deepen your understanding and showcase your skills to recruiters.
Internships & Industry Exposure: Apply for internships, research opportunities, or collaborations with companies to gain practical experience.
Communication & Soft Skills: Being able to explain complex ideas clearly, work in teams, and present your ideas is crucial.
Campus Placements & Networking: Participate in career fairs, company recruitment drives, and workshops to get early exposure to employers.
Stay Updated on Technology: Follow trends in AI, cloud computing, cybersecurity, and blockchain. Sites like Coursera, Udemy, and edX offer great courses.
Develop Problem-Solving Skills: Participate in hackathons, coding competitions, and open-source projects. Websites like LeetCode, CodeChef, and HackerRank help sharpen problem-solving.
Build a Strong Portfolio: Work on independent projects, contribute to GitHub repositories, or develop apps and websites to showcase your work.

...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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