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Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 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
Guru Question by Guru on Apr 21, 2024Hindi
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Relationship

After working in USA for 8!yrs,purchased villa,car there,greencard cleared 2nd stage,I came to India in 2008 to get married and go back to USA. I was working in trivandrum as a IT professional and company which had partnership with company in USA, gave me time to get married and afterwards had plans to send me to USA , transfer to my parent company and process my greencard for 3rd stage. Through a marriage broker from my native place davanagere, I was married to a woman from gulbarga.her health was not good from day one and her parents going thru divorce. Her father instead of giving divorce to her mother,locked her in a compound in gulbarga with dogs and did not allow her to go out of compound for years and she passed away in 2013.even though a daughter born to my wife,me, daughter has heart surgery in 2011 and doctors suggested a surgery for wife. After wife's mother passed away in 2013,her father kidnapped my daughter,wife and did not allow them to come back and also had a ex parte divorce filed from my wife. I have been receiving news that my daughter was attacked in gulbarga compound in 2020 and passed away.but it could not be confirmed. My 35+ visits to gulbarga did not yield a visitation to my daughter. My lawyers in Bangalore, gulbarga suggested me to find a new woman and get married since 2020. Even though while I worked in Honeywell since 2016, I found a good woman, relationship could not be pursued. However since 06/2018,I am free to pursue a woman and get into relationship/marriage. I am staying alone since 6+ yrs in Bangalore,I have no wife/girlfriend living with me. I also do not have any kids living with me. It will take some time to find a woman and get married (my father,uncle passed away in last 3 yrs and my mother is in late 70s and no one helping me to get married). 2 weeks back I was invited to attend a jewellery shop inauguration at Kadapa AP which was attended by Telugu actress Sreeleela. She also performed a dance which I am very impressed. I saw her several videos and daily watch her many songs.She is in the right age, very rich and if she gets into relationship with me,it will solve all my problems and I will also support her in her career ie acting plus doctors job and it will be a win-win scenario. I do not have her direct contact info nor there is a coordinator who will coordinate between us.pleqse advise further on how to proceed further

Ans: Dear Guru,
I am truly sorry to hear of the hardships that you have faced.
Instead of living in a dream world, why not instead focus on going the usual route of finding someone who is like-minded and shares the same value systems as you?
And what is this statement that if you marry this actress, all your problems will be solved? Does she want to solve your problems or do you think she is waiting to marry you and solve your problems? Please step out of this dream world, get real!

I suggest that you rebuild your life sensibly and eventually if the right person also is interested in you (if she's a celebrity, then Congratulations), then move on with life by chalking out the path realistically. The person you look for must also align with your life's goals and your values...focus on this...

And sorry if this is going to sound rude to you: This platform is not for people to request Gurus to find out numbers of celebrities or their managers BUT for people to reach out to Gurus who can guide them with their life's challenges.

All the best!

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Harsh

Harsh Bharwani  |69 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Asked by Anonymous - Jun 23, 2023Hindi
Career
Dear sir i am 51 yr old ,i had a very tough life,i was bright and honest student..i got adhoc lecturer ship which i have to left as it was adhoc only i like my profession but i had to left ..than i join with help of my friend sales which i don't like but to earn i did and rose to higher management level...my married elder brother was having depression,i left the parental home to help him ,my parents were both retired govt employees getting good pension...i struggled to make both ends meet..later on my parents get medical trouble still my wife took care of them at my house.. I left the job in 2010 me and my friends who bring me job started the business but he ditched me the first day on business i take courage and continued the business... Meanwhile my parents refused yo help....after 3 yr of my business my parents come to help them as my mother has to do 3 month complete bed rest ,me and my wife helped them after that they come for 2 -3 months in a year for 5 years but after that my mother starts querlling with my wife ,i stoped their coming but told i will help them they need..i helped them during covid ,and other medical problems ,in 2021 my father passed away in i met an car accident my mother refused to give registery of copy in cour yo get bail..i stopped my all relation on this ...my daughter went to canada in sep 2021..i took 7 lacs loan and rest i paid from my savings ..this month her course was supposed to finish but what i realize that she failed in 13 exams..she told me first time than i told her to not worry i concentrate for future one but she lied and failed in other one also what she disclosed now,i have to pay further 10 lacs..my business is alo down and my son is not selected my medical field business,i have to collect aprx 40 lacs from market ,i tried hard for tie up overtake or job at this age but kot getting...it is become hard to run business with no family member in same business in future and tonpay to daughter ..i am gojng to shut it down in next month and do something else...with low cost business as i have to pay monthly salaries and rent of aprox 2.5 lac...i am in big trouble...No one to help me out..i never tried my 0mother brother sister whom i helped in their every cause...i knew they will not help as they not helped me in all my troubles...
Ans: I'm really sorry to hear about the difficult circumstances you've faced in your life. It sounds like you've gone through a lot of challenges and have been dealing with various setbacks. It's understandable that you may feel overwhelmed and frustrated at this point.
In times of hardship, it's important to remember that there is always hope and the possibility of finding solutions. Here are a few suggestions to consider:

1. Seek Professional Help: Given the complexity of your situation and the emotional toll it has taken on you, it may be beneficial to seek professional support. Consider reaching out to a counselor, therapist, or support group to help you navigate through your challenges and emotions. They can provide guidance and assist you in developing coping strategies.
2. Financial Assistance: If you're struggling with loans and financial obligations, it might be worth exploring options for financial assistance. Consult with a financial advisor or research available schemes, grants, or loans that could potentially help you manage your debts and ease the financial burden.
3. Career Transition: As you mentioned, shutting down your current business and exploring other low-cost business options might be a viable solution. Assess your skills, interests, and market demand to identify alternative business opportunities that align with your capabilities and resources. Consider seeking advice from business mentors or professionals in your desired industry to help you make informed decisions.
4. Network and Support: While it may feel like you're alone, reach out to your social network for support. Friends, acquaintances, or industry professionals might have insights, connections, or opportunities that could be beneficial. Building a support system can provide emotional support and potentially open doors for new opportunities.
5. Prioritize Self-Care: In challenging times, taking care of yourself is crucial. Make sure to prioritize self-care activities such as exercise, relaxation, hobbies, and spending time with loved ones. Maintaining your physical and mental well-being will help you navigate through difficulties with a clearer mindset.
6. Maintain Resilience: Remember that setbacks are a part of life, and resilience is key. While it may feel overwhelming now, focus on developing a positive mindset and persevering through challenges. Draw on your past experiences of overcoming adversity to fuel your resilience and determination.

Finally, know that it's never too late to make a fresh start or seek new opportunities. It may take time, effort, and a shift in mindset, but with perseverance and resilience, you can work towards a better future. Reach out for help, explore available resources, and stay determined. Wishing you strength and the best of luck as you navigate through this difficult period.

..Read more

Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2024

Asked by Anonymous - Apr 04, 2024Hindi
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Money
Hello,I am 72 years old ex psu mechanical engineer,married and have two sons,both married and elder one has two daughters ,younger one has one daughter,elder one is in USA married to vietnamy girl and younger is in India married to relatives girl. My job was without pension but self contributory megrere pension I get.i invested in shares and get some dividend so life can go as lower middle class. I own a small cultivable land in village from my residence,I own a plot in other places which has legal problems Now elder daughter in law wants her daughters to have vietnamy culture so my son made green card for us but I am not comfortable as I become dependent there and I have medical facility in India. Younger daughter in law is not adjustable but does not want to move away from our residence So life has become hell,wife stays in USA separately from son though he bears all expenses,I am in my residence but not healthy situation.younger one is not earning as his earning and out go far job is same and does not want understand Can suggest me way out
Ans: I'm sorry to hear about the challenges you're facing in your family situation. Here are some suggestions that may help:

Communication: Open and honest communication is essential in resolving family conflicts. Encourage all family members to express their feelings and concerns openly, and work together to find mutually acceptable solutions.

Family Counseling: Consider seeking the help of a family counselor or therapist who can facilitate discussions and provide guidance on how to improve communication and resolve conflicts effectively.

Support Networks: Lean on friends, relatives, or support groups who may offer guidance and understanding during difficult times. Sharing your feelings and experiences with others who have been through similar situations can provide valuable support.

Healthcare: Ensure you prioritize your health and well-being. Seek medical attention for any health issues you may be experiencing and maintain a healthy lifestyle through proper diet, exercise, and relaxation techniques.

Legal Advice: Consult with a legal advisor to address any legal issues related to property ownership or other matters. They can provide guidance on how to resolve legal disputes and protect your interests.

Personal Independence: Consider what options are best for your own happiness and well-being. If you're uncomfortable with the idea of relocating to the USA or becoming dependent on others, express your concerns to your family and explore alternative solutions that allow you to maintain your independence and quality of life.

Family Compromise: Encourage your family members to find compromises that consider the needs and desires of everyone involved. Work towards finding solutions that prioritize mutual respect, understanding, and harmony within the family.

Ultimately, finding a way out of difficult family situations requires patience, understanding, and a willingness to work together towards solutions that benefit everyone involved. Consider seeking professional help or guidance to navigate through these challenges effectively.

..Read more

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 02, 2024

Asked by Anonymous - Jul 01, 2024Hindi
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Relationship
I m 35 years old woman I married twice but my marriage not success first marriage in religion and second is interfaith marriage which I have two kid one son he is 16 year old and one daughter she is 8 year old I married my second one husband in 2009 he is in relationship with other women he have 1 kids with her then also I accepted because of my of my dad woh is poor and I have no family no house infact I have nobody support I stay with mother in laws in 2016 my daughter was born after that 6 months my inlaws is expired and after that my husband who sold the house my 2 kids and me on road nobody is helping me out he left me with kids. How I manage to register a dv case in 2020 but the case will go on an on in 2022 the order is pass for maintenance which he is not pay single money till know to me after this he is in jail for a month. my kids and I leaving alone on rent house . I am not working because of my health issues I m bagging for my kids to feed both .
Ans: Dear Anonymous,
This is so unfair and I do feel for you...
What I suggest is approach a family member who can support you for a while. During this time, contact a local NGO that helps women facing domestic issues. They will be able to put you in touch with a lawyer who in turn will work out on how the maintenance money can come to you.
So, at this point in time, you need to find someone to guide you with legal matters. Please act quickly; having children with you in this situation is no joke at all.

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
Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi
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Relationship
Hello..I met him on Jan 4 th of 2024.. this year he is not with me. We were in a relationship for almost 8 months. Everything was fine and blissful. Last December he told me he needs some time to decide about our relationship. First of all it was a blow to my confidence..I thought he will stay by my side no matter what it is. After a few days he told me he wants to move on. I was in no contact for 10 days. After I went back and called him..he told me he is talking with another girl and he likes her and going to marry her. My world was broken. The reason for this? Our horoscopes doesn't match also he brings up caste differences even though there is not much difference. We were each other's best friends cared and loved each other so much. Stood by eachother's tough times..I begged him I cried d...I lost all my self respect..I somehow wanted to keep him with me...but he threw me away. It pains a lot. I haven't recovered yet..but he is going to marry her very soon...the toughest part here is I have to see him everyday atleast for the next 6 months. How will I handle if he gets engaged? How will I handle when he gives out his wedding cards? I have big goals in life I want to achieve them. But I am terrified what if it all crumbles because of my inability to handle this pain and suffering? What should I do? Your suggestion is very much needed.
Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

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

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

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Relationship
The seconds of time during taking action..I get into the overthinking/over-analysing thoughts... 1. Imaginative: Where I becom's the character & live life(see images, speak..) in those..like being rich,powerfull,disciplined,wife,kids....things which I want/perceive from social media...+ memos of past also.. 2. Stuck: Where I becom's a "OBJECT" & voices + images of brain guides me to quit task's when doing things/challenging...by saying.. *What this thing(task/book..) gonna benefit you? *Don't do it, you will do worse/fail..people gonna judge/laugh to you...look yourself!!..no good face, no good dress, u don't hv courage/skill to do that thing. 3. Coping: "Quit it" & use Mobile(songs,reels,yt videos..) to stop/distract myself from those dark clouds. i) What/How [solution] to don't get stuck in those next time. ii) How to use that overthinking for my advantage.. with hving control. iii) I tried to fill the possible voids by dress/looks but things were same..so it's internal.. What to do for that?
Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
- Sports
- Art work
- Meditation
- Breathwork
These are a few ways in which you can attempt to slow down the mind from racing thoughts. Once that happens, work on your self-talk to make it more useful where you start to direct yourself towards what you want to do.

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

Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Money
Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

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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