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Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 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 - Oct 24, 2024Hindi
Relationship

will soon be 25 yrs old but havent got a job yet and my partner is 29 yrs old. We know each other for the past 7-8 years and we are in a very healthy relationship so much happy with each other. We hv told about us in our families. They are willing to let their son marry the girl of his choice and in my family except my father everyone is happy for us. My mom likes him so much. He met my mom few times even came to home but havent met my father yet. I hv told my mom about us since march & my father in july. Since then me and my father are having heated arguments whenever i am trying to explain why i cant marry anyone by his choice. And i wish to marry this person. His issues are- Patriarchal thinking that how can a girl choose a guy for her marriage, its their parents job. Who told me to find a guy on her own. Secondly, Him being a maharashtrian. We belong to UP but living in mumbai for more than 25 years and my father has plans to shift back in UP after his retirement which is after 4 years. So he doesnt want me to leave here all alone by myself. Also he doesnt like maharashtrians, not even a bit. Thirdly, he is doing a private job but he is earning 70-80k monthly since my father is a govt employee. Hence he has got issues. What issues i am facing- he is giving all kinds of threats he can to stop me fir even dreaming about to get marry this person. He says even if the earth ends tomorrow i will not let you marry the person of your choice. It is our job to find a groom not yours. My elder brother who is 4 years older than me and my sister who is one year younger than me both are studying in delhi. It is just me and my mom and my younger brother who is in 8th std living here. And none of our relatives lives here. So he is verbally and physically abusing us. Even threatened me to put my partner and his family behind bars if they forces us to get marry. Since our (my and my mom) convincing and explaining to him is falling on deaf ears , we (my & my partner) are willing to take drastic step and get married in court. We are hoping that now only police intervention can help us to be with each other. But we are not taking this step right now cz many things are holding me back but we are willing to take if things goes even more worse later. Since we are not finding it worth to wait for his approval. Nor he wants to listen why i want to marry this person and what are my reasons to refuse any guy my father chooses for me. Neither willing to see or meet my partner. My mother is on my side. She even asked my partner to meet some of our relatives and family friends everyone liked him and us. Its just my father who is having and creating so many issues. Everyone wants to hlp us but jst because of my father's nature (him being a true narcissist perdon) all are hesitating about how to even start a conversation with him unless he doesnt talks abt this with them. My father is also avoiding to talk about this situation with anyone since it will bring down his reputation, what will the society and relatives think about us. Noone will marry my siblings if they get to know about this that their sister has forcefully left the house to marry the guy of her own choice. Please suggest me something what else i can do to make him understand and should i stop making efforts and do whatever i want to not now but after sometime. Take drastic step and leave the house. I also know what will be the consequences of my actions but can i do if he doesnt want me to see me happy or believing in my decisions. Atleast he should listen and see him personally that what i saw in this person. But he doesnt want. Please guide me.

Ans: Dear Anonymous,
What can you do if your father has a rigid thinking like this? Like you yourself have mentioned: that your father must see what you saw in this person.
So, how much effort has gone into that? It seems that all of you are quick to judge that your father is strict and that he does not like people from certain states etc...Okay, he is who he is, right? So, now tune your efforts from complaining about him to what you can do to make him see the good in your partner.
Also, I hope that your partner is in a reasonably good financial state for his age else this will become an issue with your father.
Address your father's concerns and that will help you and your partner actually move things further. You becoming financially independent also will give your father confidence that you are old enough to make certain decisions of your life.

Also, your mother supporting you is of little use; if your father has always been in charge, she will have little say in the matter, so do not depend on anyone right now. Take it upon yourselves now to address what your father finds worrisome and take each point and build something useful to counter that.
It will not be possible or wise to force him to agree as that may not happen, so work on actually making him see what you see in your partner.

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 - Oct 29, 2024 | Answered on Oct 29, 2024
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I also want him to meet my partner, even willing to explain everything I told my mom everything abt us that noone else other than my mom knew abt us in so much detail. But my father is not even letting me say anything regarding that..how can I explain to me. When he is willing to hear then only I can make him understand. He gets hyper very quickly. Even had papa's friends so that they can hlp him to make him understand my perspective but they are waiting for my father to say something about this first to them. Because my father will take this very negatively that we are trying to spread it and ppl will gossip. I kw this possibility is also there but I feel we need someone elder to make him understand. Me alone wont make much difference I feel so. Yes, my partner is in good financial state. We aren't quick to judge. We have been watching him since kids. He is strict in every matter for each and every things. Everything little thing is a big deal for him. Even going near him gives us very restricted vibes. So things are actually difficult for us. His concerns are something which I cant change. He is maharashtrian I cant change that nor his mindset regarding them. I told him several times that he is a different. Though more explanation is needed to tell him what I saw in this person n how does he make me feel. And this only I can tell him once he wants to listen to me. Soon me and my mom are meeting his family to tell them what all is going on here since they are unaware of it.
Ans: Dear Anonymous,
What you are doing is convincing someone who does not want to be convinced. Find out what bothers him and work only on that.
No one can be forced to like something against their wishes. Just because you like a boy, does not mean everyone will and must support it, right? Some will and some won't...If your father won't, then because he is important to you being your father, work with him on addressing his fears and his rigid beliefs. Your partner will also have to join in and do his bit...
Rather than going on and on about what is not going right, focus on what you want and how you can achieve that. See, parents are not enemies; they will for generations to come have these doubts and fears when it comes to their children. One step at a time...meet with his family and then slowly approach your father not as your enemy but as someone who must handled like a child...YES, don't fight him, but understand him and address his fears...if it gets worse, your mother hopefully can stand in for you...But focus on what's needed to be done now...

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 - Oct 29, 2024 | Answered on Oct 30, 2024
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Okay. Thankyou mam. What bothers him.... He is against the whole idea of love marriage. Bcz he thinks guys leave after fake promises. 2. Choosing guy on my own. Its the parent's job. 3. Since I kw him for many years he thinks that I was doing only this thing i.e. finding a guy rather than studying knowing that I was topper. 4. Guys, if refused for marriage they try to harm the grl. He feels specially this happens in maharashtra. I had told him it is happening all over the world not jst here absolutely not only amongst maharashtrians. And those who do such things have different mentality not all ppl does this. Also he is making this an issue of UP vs Maharashtra. 5. He thinks if he allowed me for this marriage then my other siblings will do the same. That he doesnt want at any costs. Also my sister doesnt want to marry a guy of his choice. I dnt kw what will he think when he get to know abt this. 6. He wants me to marry and settle in UP wants to keep me nearby. Not this far since noone can come occasionally or when it is required. I told him we will come by plane if required u dnt need to come rather we will come there. He isnt satisfied with that too. There are many more concerns like this. I am not saying these are very small things. But we have solutions for it. And are ready to make him understand. We initially thought once I will tell my father then I will let my partner meet him. Bt after seeing his reaction my mom n me both are hesitating. What if my father insults him badly or hit him. Bt at the same time we know in person toh milana hi padega..for how long we can avoid it. At the end of the next month my father is planning to meet directly his family. He is saying he will take police along with him. Though I kw he will not do such thing. But he will create tamasha n if he went really then he will insult them badly ..them n also us. Bohat gadbad hojayega. What if dono side se argument hone lg gye. Ek baar k liye ldka sunn bhi lega bt how can his parents. For now..we are waiting patiently how things will turn out..after meeting his family. N when if really my father wants to meet them. Also elder brother who is not having good relations with me nor with my sister and also not with father. And my partner was his classmate during school tym. So he is already against this bcz he is his classmate that's it. For now he is in delhi and Probably he will come back next year. When he will return he is going to make things even difficult for me.
Ans: Dear Anonymous,
I am glad that you have thought about each point that you have listed down. It's not about you finding solutions for it; but to help your father understand and find solutions for himself on those points...I hope you get that...

Also, is your partner a small boy who doesn't know how to handle the situation that he is going to wait for your father to hit him? Give people more credit than you do, please...even your father...Yeh ho jaayega, woh ho jaayega...agar poora film banaa liya hai dimaag mein, then obviously you will fear every situation and instead of actually dealing with the real problem, you will be dealing with all these stories in the mind. There is a lot of fear around what your father will say or do, but as adults I am sure, you and your partner can handle this maturely without assuming ki yeh hoga, yeh ho sakta hai etc...Address all the points that you have mentioned above and then immediately do not expect any change. Give your father time; it may take weeks, months or years...it's how soon he wants to get rid of his rigid beliefs...

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 - Oct 30, 2024 | Answered on Oct 30, 2024
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That's the only problem. To help him understand we need to communicate, sit down n talk. And He is not ready for that. U only suggest me how should I make him listen to me knowing he gets aggressive, wont allow anyone to say anything as if we are some mad saying Nonsense, throws emotional drama calls any of the relatives to tell them what we are doing here. Wo achese se sunne toh km se km fir chize kitni easy hojayengi.. We are not creating stories bt looking for all the possibilities that may or may not happen jst to be prepare in advance. And make plans according to that n makes changes in what we have already make plans. Do u think should I let his parents meet my father if they said they want to talk to him n hlp him understand since you know soon we are going to meet them. Ya fir uske parents ko iss wqt involve krna thik nhi h? Or it should be jst me and my partner for now? Also, for my partner when should I let him meet? Should I wait until I get the job? Tb tak shant bethu mai cz every time i utter something he is turning it into arguments. According to my fathers behaviour he will not even allow my partner to enter the house keeping aside talking to him. Smjh nhi aa rha kya kare... Giving him time...for how long? You know he is going to shift back to UP after 4 years Tb tak unka mind Change nhi hua toh..bethe rhe kya hum? U only said I am trying to convince who doesn't want to be convinced. I am not saying we will not do anything to make him understand we will try our best when time will come.
Ans: Dear Anonymous,
My response is still going to be the same...I do empathize with you...

You need to give it a try without mentioning your problems over and over again in different ways. It's understood that your father is not going to agree that easily...what's the point mentioning how difficult it is going to be once again and then again and then again? No one said that this was going to be easy.
All you are doing here is throwing your frustrations out, finding new ways of communicating the same issue at hand. I get it; your father is giving you a hard time. So, work on it...not easy, but if you want a certain outcome; work hard at it!

The questions that you have asked me are related to what you and your partner should be sitting together and planning; you instead are looking at an easy way out by asking me to tell you what to do next and next. My job is not to tell you what to do or not but GUIDE you towards finding optimum solutions by yourself which I have repeatedly been mentioning in the responses above. The moment you find the mindset to do that, you will stop depending on anyone to solve your problem; you will take charge yourself.

Now, copying from my previous response...
Address all the points that you have mentioned above and then immediately do not expect any change. Give your father time; it may take weeks, months or years...it's how soon he wants to get rid of his rigid beliefs...

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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Hi..I just saw your page and found this is the right page where I can get answer.. I am so confused and so my thoughts coming in my mind and noone in my life which I can tell. However, I found you hopefully you'll get my answer I want to marry with my partner but he is not earning as much and I'm also earning but we both started our career in 2023. And my parents wants I should get Marry with someone and he is searching. But I told my parents that I love someone but the issue is he is not from my caste that is not the big issue main issue is that my partner belongs from very nuclear family like his mother and sister is there and noone is there in his family and my parents also saying the boy is not earning a good salary and noone is there in his family how will you be happy and I don't think so he is good for you.. but my partner loves me so much he loves me till 6 years and he waited for me also. My question is that for getting a married is all this stuff matters ? My parents is arising so many questions somehow she denied..should I convince to my parents or they are saying right ??
Ans: The salary is not a problem, if he doesn’t have misplaced ego about his wife earning more than him; some men are broad-minded enough to even be proud of their wives earning more. Nor is caste; love has no fixed faith. But this nuclear family business is a red flag; I would strictly advice not living under the same roof with his mother and sister. There is bound to be friction. Then relations sour and your marriage gets strained. If he is willing to step out from under their shadow and live separately with you, and the money-making is not an issue for him, you’re making the right choice of partner. If either of the above is not realistic, I would suggest you stop trying to convince your parents and listen to what they have to say.

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Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 10, 2024Hindi
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Relationship
Hello mam, glad to find you here. Mam, I'm a female, 27 yrs, I have been in a relationship with my partner since 9yrs, but he is from different caste. We both were immature when we started our relationship but our relationship grew stronger as time passed.We have gone through ups and downs of our relationship and are still intact. When I was into 3yrs of our relationship he was doing some odd job, at that time I told my mom about us and she said 'NO' because of caste issue irrespective of his job. Another reason is that my father is an impulsive person who thinks to harm himself whenever something happens, so mom said my father might harm himself if I go forward. At the same time there were some issues in boys family and my brother met them and he said no to it.But I couldn't get away from him, so I stayed. Later I talked to my partner about his family environment and I said that I couldn't stay with them because of the negative impact. He talked to his family and confirmed that after marriage we will lead our life under different roof but maintain the sufficient relationship with his family. We both are now settled in jobs but he earns a bit less than me but we earn a handsome salary combining our both salaries. Now, it's time for my marriage and I want to marry him and he have changed alot for me without leaving his family and he understands me very well. I feel safe with him. Now the problem is my parents wants to get me married and I also want to get married to the whom I loved but my mom and brother are not yet all giving me the chance to convince them. They are trying to convince me for marriage with others but I couldn't do that, that will kill me all my life. They are saying that if I go for intercaste then they have to suffer all their life and my father might do something to himself if he finds out. I love my family dearly and that's why I have been waiting all these years for their approval. I do not want anyone to lose their life because of me. My partner have left the decision to me because of my situation at home and he is supportive of me. My transfer is nearing where I have two options, one is to opt for my home town(not Village), where I can bring my parents to town with me to stay( now my posting is in another city). Second is to opt for different city( where I have to stay with my brother who doesn't approve of my love and blames me for his career). In order for me to convince them for my marriage should stay with my family or away from them and how can I convince them? Sorry' for the long story and I hope I hear from you.
Ans: Dear Anonymous,
Be clear about what you want and in this process/journey, there will be a lot of highs and lows...
Also, you may not be able to have the cake and eat it too which is why you are struggling at making a decision. You want to marry the man of your dreams that your parents and brother disapprove of BUT you don't want to disappoint them by going against them...You can't have one foot in two different paths...it will tear you apart; literally...
So, decide what you want, the pros and cons of going against the family...of course there are situations where over time, parents have accepted the boy/girl but there's a lot of patient waiting.
If you are in haste, they are not going to relent and you will be left feeling disappointed...
Decide and then do whatever it takes to make that decision right...

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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Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 30, 2024

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Relationship
Okay. Thankyou mam. What bothers him.... He is against the whole idea of love marriage. Bcz he thinks guys leave after fake promises. 2. Choosing guy on my own. Its the parent's job. 3. Since I kw him for many years he thinks that I was doing only this thing i.e. finding a guy rather than studying knowing that I was topper. 4. Guys, if refused for marriage they try to harm the grl. He feels specially this happens in maharashtra. I had told him it is happening all over the world not jst here absolutely not only amongst maharashtrians. And those who do such things have different mentality not all ppl does this. Also he is making this an issue of UP vs Maharashtra. 5. He thinks if he allowed me for this marriage then my other siblings will do the same. That he doesnt want at any costs. Also my sister doesnt want to marry a guy of his choice. I dnt kw what will he think when he get to know abt this. 6. He wants me to marry and settle in UP wants to keep me nearby. Not this far since noone can come occasionally or when it is required. I told him we will come by plane if required u dnt need to come rather we will come there. He isnt satisfied with that too. There are many more concerns like this. I am not saying these are very small things. But we have solutions for it. And are ready to make him understand. We initially thought once I will tell my father then I will let my partner meet him. Bt after seeing his reaction my mom n me both are hesitating. What if my father insults him badly or hit him. Bt at the same time we know in person toh milana hi padega..for how long we can avoid it. At the end of the next month my father is planning to meet directly his family. He is saying he will take police along with him. Though I kw he will not do such thing. But he will create tamasha n if he went really then he will insult them badly ..them n also us. Bohat gadbad hojayega. What if dono side se argument hone lg gye. Ek baar k liye ldka sunn bhi lega bt how can his parents. For now..we are waiting patiently how things will turn out..after meeting his family. N when if really my father wants to meet them. Also elder brother who is not having good relations with me nor with my sister and also not with father. And my partner was his classmate during school tym. So he is already against this bcz he is his classmate that's it. For now he is in delhi and Probably he will come back next year. When he will return he is going to make things even difficult for me.
Ans: Dear Anonymous,
I am glad that you have thought about each point that you have listed down. It's not about you finding solutions for it; but to help your father understand and find solutions for himself on those points...I hope you get that...

Also, is your partner a small boy who doesn't know how to handle the situation that he is going to wait for your father to hit him? Give people more credit than you do, please...even your father...Yeh ho jaayega, woh ho jaayega...agar poora film banaa liya hai dimaag mein, then obviously you will fear every situation and instead of actually dealing with the real problem, you will be dealing with all these stories in the mind. There is a lot of fear around what your father will say or do, but as adults I am sure, you and your partner can handle this maturely without assuming ki yeh hoga, yeh ho sakta hai etc...Address all the points that you have mentioned above and then immediately do not expect any change. Give your father time; it may take weeks, months or years...it's how soon he wants to get rid of his rigid beliefs...

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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Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

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(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
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• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

...Read more

Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

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

Asked by Anonymous - Dec 21, 2024Hindi
Money
Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.
Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Kanchan

Kanchan Rai  |444 Answers  |Ask -

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

Listen
Relationship
I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.
Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

...Read more

Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

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

Listen
Money
Top4 sips with 15k amount suggest me
Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

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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