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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 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 - Mar 28, 2024Hindi
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Relationship

I wish to seek professional help to fix my broken marriage. Any suggestions, pls?

Ans: Dear Anonymous,
Depending on the city that you live in, browse the Internet to find 'Marriage therapists/counselors'.
Do a bit of research on them after you narrow your search to the Top 2.
Do not hesitate to ask for an initial call with the therapist to clear all your doubts on the process, charges etc. Be comfortable before signing with any therapist or counselor.

All the best!

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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 01, 2023

Asked by Anonymous - Nov 23, 2023Hindi
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Relationship
Hi Ravi, I am 40 yrs old and have been married to my lwife for 12 years. There has been many issues between us ranging from my family's behaviour towards her, my failures in meeting her expectations especially behavioural patterns/attention. Her complain towards me is that I didn't give her the kind of attention and affection which she deserved. I acknowledge that because I struggled very hard in my initial phase of career. In today's scenario she has totally lost interest in me and get attracted towards men who even shows some attention towards her. This is has happened a couple of times. Whenever I countered her for these incidents she tell that it was I who forced her to do all this. I am ready to commit my efforts to make our relationship better but she says she can't have those kind of feelings again for me. She is under constant stress and anxiety due to this and is affecting her health a lot. She is a good person by nature so I don't want to leave her but considering the toxicity of the relation and her deteriorating health due to this relation I suggested her to get separated but she says that she can't divorce because of family/other issues. I can see her struggle/pain in this forced relationship and wanted to help her but can't find out the way. Please help.
Ans: Dear Anonymous,

I understand that you are in a tricky situation and appreciate that you are putting your partner's needs first. In this situation, there's really no one to blame. You could not give her the attention she deserved but there was always a genuine reason for it. It would have been the right choice to separate since she declared her disinterest in the marriage but even that doesn't seem like an option. There's only one thing left, to peacefully co-exist and continue to put in the effort you couldn't in all those years. Continue to live with mutual respect for the marriage, if not love. Put up some ground rules- things that you are comfortable with her doing and things you aren't; consider going for marriage counseling. Professional help can give you the structured support to bring your marriage back on track, slowly but considerably more than trying your own tricks.

One more thing, don't forget to take care of your mental health. If your wife does not want to seek counseling, you can always go for it. It helps us dig deep and gain clarity over what is important and what should not burden us.

Best Wishes.
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Kanchan

Kanchan Rai  |172 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2024

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hello, I am 35 years old. Married. Not living with husband since an year, as he flirted with an office girl (this is the extent of it that I caught) and has tendency to do so. He is not emotionally aware (of himself or me) and I keep getting hurt as I am quite emotional. Also, I am not on talking terms with his parents as they had tried to sabotage our marriage in different ways on countless occasions. My husband wont agree (not that I want him to agree), but I think that's one reason of our increasing differences. I love him, but cannot find in my heart to move back with him ever again. We have a 5 year old kid, due to whom I am unable to move ahead with divorce. I am stuck in the midst, not knowing where to go next or stay in this same 'married but separated ' position forever. I'm definitely happier without the everyday petty bickering that we had when we lived together (which was turning me into a bitter and angry person, I don't want to be that). I have turned extremely distrustful of him. I do feel very lonely at times. We also went to a guidance counsellor to make the relation work some 1.5 years back, but my husband felt its a waste of money after 5 sessions, also he never invested in the emotional sorting that the counsellor mentioned our relation required. Any guidance?
Ans: It sounds like you're facing a complex and challenging situation. Here are some steps you might consider as you navigate your next steps:

Take care of yourself first and foremost. This means prioritizing your mental and emotional well-being. Consider seeking support from a therapist or counselor who can help you process your feelings, develop coping strategies, and explore your options moving forward.
Take some time to reflect on what you want for yourself and your child in the long term. Consider what kind of environment you want to create for your child, as well as what you need in terms of emotional fulfillment and stability.
If you feel comfortable, consider having an open and honest conversation with your husband about your concerns and feelings. Express how his actions have affected you and what you need from him moving forward. However, be prepared for the possibility that he may not be receptive or willing to change.
Consult with a family law attorney to understand your rights and options regarding divorce, custody, and child support. They can provide guidance tailored to your specific situation and help you navigate the legal process.
Regardless of whether you choose to stay married or pursue divorce, prioritize effective co-parenting for the well-being of your child. This may involve setting clear boundaries, communicating openly about parenting decisions, and prioritizing your child's needs above any personal conflicts.
Consider exploring alternative living arrangements or custody agreements that may better suit your needs and preferences. This could include living separately while co-parenting, or exploring shared custody arrangements that provide stability for your child while allowing you to maintain some distance from your husband.
Reach out to friends, family members, or support groups for additional support and guidance. It can be helpful to connect with others who have gone through similar experiences and can offer empathy, advice, and solidarity.
Ultimately, the decision of whether to stay married or pursue divorce is a deeply personal one that only you can make. Take your time, trust your instincts, and prioritize your own well-being and that of your child as you navigate this challenging process.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Money
Sir, I am investing in mutual funds for my kid higher education. Amount needed after 15 years is 1.0 crore. I am investing 4000 rs each in the following schemes. 1. Kotak emerging equity 2. Axis Value fund 3. Parag parikh flexi cap 4. ICICI US Bluechip fund Please suggest should I continue with these. Will the US fund will eat away my capital gains?
Ans: Continuing with your current investment approach for your child's education is a proactive step. However, let's review your fund selection:

Kotak Emerging Equity: Offers growth potential by investing in emerging companies. Review its performance and consistency to ensure it aligns with your investment goals.
Axis Value Fund: Focuses on value investing principles. Evaluate its track record and potential for long-term growth.
Parag Parikh Flexi Cap: Known for its diversified approach across market segments. Assess its performance and consistency over time.
ICICI US Bluechip Fund: Invests in blue-chip US companies. While it offers exposure to international markets, consider its currency risk and tax implications.
Regarding the ICICI US Bluechip Fund, investing in international funds can provide diversification but may also entail currency and tax implications. Capital gains from international funds are subject to capital gains tax in India, similar to domestic funds. However, currency fluctuations can impact returns.

Consider consulting with a Certified Financial Planner to evaluate the impact of international investing on your portfolio and whether it aligns with your risk tolerance and investment objectives. Additionally, review the performance and potential risks of each fund regularly to ensure they remain suitable for your child's education goal.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 18, 2023Hindi
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Money
I have two daughters and their age is 16 and 15 and i own 50 lakhs bank FD , 9 lakhs invested in MF me and my wife have invest 60 lakhs in share market and my age 51 year old. Can you plz suggest the best option for investment . for my future education of two kids and my and my wife upcoming old age( My family ) i have 3 lakhs mediclaim and have few LIC policies. I request you to give me the best advice or suggest the best investment for my growth of money and as a monthly income ( Home expenses ) plz reply
Ans: Given your family's financial situation and goals, it's crucial to create a comprehensive investment plan that considers both growth and stability. Here's a suggested approach:

Education Fund for Daughters: Since your daughters are nearing college age, consider setting aside a portion of your investments specifically for their education expenses. You may allocate a portion of your bank FDs and MF investments towards this goal, ensuring it grows over time to meet their educational needs.
Retirement Planning: As you and your wife approach retirement, it's essential to prioritize building a sufficient corpus to support your lifestyle in old age. Consider diversifying your investment portfolio to include a mix of equity, debt, and balanced funds, along with retirement-focused instruments like the National Pension System (NPS) or Senior Citizen Savings Scheme (SCSS).
Health and Insurance: Ensure you have adequate health insurance coverage for your family's medical needs. Additionally, review your existing LIC policies to ensure they align with your current financial goals and provide adequate coverage for your family's future needs.
Monthly Income: To generate regular income for your household expenses during retirement, consider investing in dividend-paying stocks, mutual funds with dividend options, or fixed income instruments like Senior Citizen Savings Scheme (SCSS) or Post Office Monthly Income Scheme (POMIS).
Regular Review and Adjustment: Regularly review your investment portfolio to track its performance, make necessary adjustments, and ensure it remains aligned with your financial goals and risk tolerance.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your family's specific financial situation and goals. Together, you can create a customized investment plan that addresses your needs for growth, income, and financial security.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Money
Hello Sir, myself Venkatesh aged 35 working in PSU current monthly takehome salary is Rs.1.20lac investing Rs.1,50,000/- in PPF per annum, havings corpus in fixed deposits around Rs.30lacs, investing in Mutual funds through monthly SIP of Rs.8000/- in three funds from past 3years 1.Parag Parikh Flexi Cap Fund-Reg(G)- 3K 2. Mirae Asset Large Cap Fund-Reg(G)- 3K 3. Axis Focused 25 Fund-Reg(G)- 2K. Now i want to invest another Rs.15,000/- per month for 18-20years and also advise by what amount i can stepup my existing portfolio for better returns.
Ans: Venkatesh! It's great to see your disciplined approach towards saving and investing. With your stable income and existing investments, adding Rs. 15,000 per month for 18-20 years can significantly boost your long-term wealth accumulation.

Considering your current portfolio, you may diversify further by adding funds from different categories to spread risk. Consider allocating the additional investment across different types of mutual funds such as mid-cap funds, small-cap funds, or international funds to enhance diversification.

As for stepping up your existing portfolio, you can consider increasing your SIP amounts gradually over time. Analyze the performance of your current funds and the potential for growth. Based on your risk tolerance and financial goals, you may consider increasing the SIP amounts in funds that have shown consistent performance and align with your investment objectives.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Together, you can create a comprehensive investment plan to maximize returns and achieve your long-term financial objectives. Keep up the excellent work with your savings and investments!
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Money
Please suggest 4 MF's for investment of Rs 10 k sip. It should be growth and open ended... Srinivasulu
Ans: Srinivasulu! Here are four mutual fund options for your SIP investment of Rs. 10,000 each:

Large Cap Fund: Invest in a large-cap fund for stability and growth potential. These funds typically invest in well-established, large companies with a track record of steady performance.
Multi-Cap Fund: Opt for a multi-cap fund to diversify across different market capitalizations, including large-cap, mid-cap, and small-cap stocks. These funds offer flexibility to capitalize on opportunities across the market spectrum.
Mid Cap Fund: Consider investing in a mid-cap fund for exposure to mid-sized companies with potential for higher growth. These funds can be more volatile but offer the opportunity for significant returns over the long term.
Flexi Cap Fund: Choose a flexi cap fund for the flexibility to invest across market capitalizations based on the fund manager's assessment of market conditions. These funds adapt to changing market dynamics and aim to deliver consistent growth.
Ensure you review the fund's performance, track record, and consistency before making your investment decision. It's also essential to stay invested for the long term and regularly review your portfolio to ensure it remains aligned with your financial goals.

Remember, consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals.
(more)
Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Archana

Archana Deshpande  |24 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 30, 2024

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Career
Dear Guru, I work in the technology space, and as with most careers, it is challenging and stressful. I work long hours (10-12hrs on avg). My problem is that I get disturbed sleep and am unable to get work related thoughts out of my mind wherein I even dream about solutions to work problems. I am afraid this is going to hurt my health and burn me out soon. Please advise on how I can detach from work to get a refreshing sleep.
Ans: Dear Bhawik!!

Pat yourself on the back for being a committed employee. The problems you have stated happen to most people who give their 100% to their work. Since you already know what it is to be 100% at work, it is time for you to give your 100% at home and to yourself.
You need to mentally detach yourself from work the moment you step out of the office building.
How will you do this? Adopt the following-
1. before leaving the office list out all the activities for tomorrow , prioritise them and mentally commit to them as tasks for tomorrow.
2. as soon as you exit the office building take three deep breaths , inhale and exhale deeply - this is called a transitioning breath which helps you transition from activity to another
3 establish rituals like listening to music( which you love) the moment you leave the building
4. if your transit form office to home takes some time, then practice being in the moment by looking around - the people, the trees, the sky, let all your senses be involved- use your eyes to see, nose to smell, ears to hear the sounds around, feel the breeze in your hair/ on your skin. This makes you feel 100% alive. Stay in the moment.
5. when you reach home, greet your loved ones with a smile
6. spend a little time doing nothing , just be
7. enjoy your meal mindfully
8.take a small walk after your meal
9.spend min 10 mins doing something that brings you joy, for me it is reading a book, what is it for you?
10.go for a guided "Yog Nidra" before sleeping.

Do not intellectualize these suggestions. Just do them. They are tried and tested methods for a proper demarcation between work and home life.
Best wishes for a life well lived and restful sleep..
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Sunil

Sunil Lala  |178 Answers  |Ask -

Financial Planner - Answered on Apr 29, 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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