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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 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 - May 29, 2024Hindi
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Relationship

my sister is having some psychiatric issue (has illusions of some relatives talking with her - mind voice) and got treated with medicines for about 2 months. 99% they all stopped now. some thing is still left in mind. she refuses to take medicines telling that she is ok and others not Ok and they only need to take medicines. how to make her take medicines. she is having knowledge of medicines and one can not cheat her telling that these medicines are only vitamins eic.

Ans: Dear Anonymous,
Were the medicines stopped by the doctor who prescribed them? If yes, go back to the doctor as things have not cleared out as yet for the medicines to be stopped.
If it was stopped based on self-diagnosis, it can be dangerous...Please do not stop or start any medication based on internet knowledge. Kindly take her to a doctor who will prescribe the right medicine in the right dosage; he/she will also guide the family members on how to manage when your sister refuses to take her medicines.
This requires immediate attention; kindly go and see a Doctor who can make a proper diagnosis if not done as yet.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Jun 06, 2024 | Answered on Jun 06, 2024
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my sister refuses to visit the doctor( whom she visited earlier) as she says that only others need to go to doctor. she does not want to visit doctor nor take medicines. she fights with other brothers and sisters on this matter.
Ans: Dear Anonymous,
There is no option. The fact that she says that others need a doctor and not her could truly mean a reality distortion provided what you have shared about her is accurate.
Kindly do not medicate her yourself. It is dangerous and the consequences are not something that any of the family members may want to face.
Find a way to take her to a doctor please.

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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Hello Dr. Anu, my younger sister (now 43) had epilepsy since she was 13 years of age. After several years of depression and epilepsy, with regular medication from neurolgist, she does not have occurance since last 8-10 years. Now the only medicine she take is Thyronorm 75. She is engaged in household work and does it diligently. However, she has lower confidence and does only as directed or taught. I need guidance from you from the perspective of her intellectual growth. When I ask her what she want to do for her future, she is blank. How can I help her? Are there counsellors in Mumbai who can coach and mentor for her growth. Please advise and also suggest how to go forward.
Ans: Dear Jayesh,
It's wonderful to hear that your sister is doing well now.
There are amazing coaches and counsellors in Mumbai who can mentor your sister on how to create a future for herself.
You can either search for an expert in this domain, over the Internet or go by recommendations within the family and friends' circle.
- Once you choose an expert, do make sure that you have a meeting/call with the expert in order to make aware of the situation at hand.
- Make sure that the expert is someone who can handle the situation with patience and also can enable your sister to take her own decisions through the process.
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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

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Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 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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