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Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 11, 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 08, 2024Hindi
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Relationship

My younger brother has a habit of stealing. So I went on internet to see how one should approach the child to counsel him about stealing . I discussed the same with my parents and they agreed that my father will talk to him and go like, yes I know you stole 500 rupees and even I stole when I was a kid. I found this as the best way to confront a child who stole because i would never want to attack my young brother by asking "did you steal" this will make him think of excuses and scare him. I discussed all of this and I am sure I made the point very clear that you must not ask him 'did you steal'. Nevertheless, when bro came back home, my mom could not resist herself and took the matter in her own hands and the matter went the way I never wanted it to be. Lil bro ended up making up some weird excuse . Now we can never dig down the real cause why he stole. I cannot understand if my parents do not know how to talk why the hell they don't think of some better way. My mom just wanted to be clear of the fact that my brother stole money. She never wanted the deep roots of how he felt why he did so and all. My mom would think she does the best parenting because she never sets any boundaries and we are free to do anything. Be it partying aur roaming around till 11 at night. She thinks that kids need freedom and I gave that. Now my children will be the best of all. Like dude common, think about it once. This kind of things keep happening and I am very very frustrated now with all her techniques. What do I do. It is draining me mentally

Ans: Dear Anonymous,
Okay, so what exactly seems to get you worked up?
The fact that your younger brother steals?
OR
That you don't fancy your mother's parenting?
Mixing up the two is only going to complicate matters more...You may have an opinion on how your brother must be dealt with; share that opinion and then leave it to your parents...they know what to do...
And go give some credit yo your parents; they are still learning how to parent children in this digital age...as much as you may find reasons to criticize how your mother handles situations. do understand that they carry some wisdom from their experiences in life as well.
Now, all that wisdom may seem old-fashioned; then talk to her about it...offer your thoughts on it rather than finding few and many reasons as to WHY her techniques don't work. It will no doubt frustrate you as you are trying to accentuate the issue rather than solve it.
Have a chat with your mother, listen to her and then present your perspectives...there maybe thoughts that don't go well with you; SEEK clarifications and give when you think that your mother maybe right as well. If you feel that a few changes from her may help the situation as home to ease, then clearly state this and wait for her response. Explain to her about how it might help go to the root of any problem (in your brother's case).
Also, a strict talk with your brother is necessary as stealing that goes unnoticed today can lead to bigger things in future. Work together as a single family unit.
Change happens when everyone at home work together and not work at cross-purposes.
You are right from your point and view and your mother maybe right from hers. Talk and come to a conclusion rather than sit on opposite sides...Actually the secret to a very calm household is a lot of USEFUL communication...So do just that!

All the best!

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 07, 2023

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I am brought up in a middle class family where both my parents were working. I am the elder sister and I have a younger brother. Since childhood i feel that my mother has given more time and efforts towards my brother. When he asks something he gets it and when I ask I'm told that it's not required. My mother pretends that she treats both of us equal but i can feel the difference. I'm currently married with a 4 year old kid. My husband is very loving and we have a happy family. My issue now begins when my mother comes to stay/visit us. She begins pointing faults and imposing decisions on us. She does that same with my husband and he doesn't like it either. My mother wants to prove herself right even if she is wrong and will never accept her faults. She is interfering with my child's upbringing too. She will never ever behave like that with my brother. I won't deny the fact that she comes to help when I need since I have no inlaws but just because she knows that we need her she will try to dominate over us. One example is that when my child was 10 months i got a potty seat and she never let me put my kid on it saying that kid is too young and because of this my kid never sat in toilet till he turned 4 years. Another is that she used to feed my son only biscuits all the time even when I used to oppose. Also, once she fed my son ice cream when he was 1 year old and my child developed fever next day and she put blame on me saying I took him our for walk in the evening hence my child got fever. When I used silicon brush to brush my kids teeth she stopped me saying there's no need to brush before 1 month when i objected and continued doing it she blamed .e whenever my kid cried saying that his gums are hurting because you brushed his teeth. Many more such incidents where she puts blame on me and tries to prove me wrong She will almost daily try n tell me that my husband is blaming her for groceries getting over/ equipment not working etc which I know my husband does not (he is very kind hearted ) and she just keeps all this misunderstanding in her head. Many times I've clarified by talking to both of them together. Now, my husband is going out of town and again my mother will be coming. I'm fed-up of these fights n arguments but when in emergency i have to rely on her but she takes full advantage of the fact that I need her. I can't take this anymore and its affecting my mental health
Ans: Dear Leena,
I hear you!
But do allow me to give you a perspective. Relationships are never easy to maintain and manage as they involve emotions and layers through it all. Mothers can at times see their daughters as people who they need to groom for life. It's possible that your mother is doing the same thing. She has made it her sole responsibility to continue to groom you so that you earn a good name in your husband's household. This isn't me saying it, it's the way age-old beliefs could be seeping through your mother.
Now, it has become an interference and it must be conveyed to her. At first, it will hurt her and she might react to it by reminding you of all the sacrifices that she has made in order to raise you; but mind you, be steady in what you convey.
She will eventually understand that her daughter does not need to be monitored and taught to lead her life, but just needs a support system around her. Of course, there might be a withdrawal when she has to help you, but be firm on how you would like be treated from now on.
Polite yet firm is something that works well to avoid conflicts within relationships; so use that well.
Also, the differentiation between you and your brother might just be that she gives you tough love. Tough love is shown by a parent/authority figure to another in order to toughen the other person up and in severe cases it may result in submissiveness. In your case, it is likely that she has a certain belief on how boys and girls must be raised. It will change only when she changes her belief. For now, focus on creating a better environment at home by taking charge and being polite and firm with your mother.
And do know, at the end of the day, she is a mother....love sets everything right.
All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 18, 2023

Asked by Anonymous - Jun 17, 2023Hindi
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Relationship
I am from Middle class family. Our parents, 2 brothers, my sister and Me.My Father is no more and my mom lives alone. She does not want to stay with any of us. We all live out of country and my mother lives in India. My mother is not dependent on us financially and she can manage on her own and does not expect money from any of us. She is getting old and we need to take care of her, but I feel I am only one who checks on her and arranges for any small things she needs. My sibling don't even talk about it, I feel they think if they talk about it then they have do something. Like every other old person my mother and me have a lot of differences on everything like managing finances, or renewing something or going to hospital etc and I become the bad person because of these matters. My siblings don't get involved they just call her once a while and talk for while and manage to stay in her good books. I know that it is my duty to take care of her but I feel not appreciated or rejected when she ignores all the things I do for her when others don't. She is also old school and favors boys over girls and reject me saying that I am from a different family and always guilt traps me saying that she educated me but i earn and spent on my husband family. She hates my in-laws, but they are nice people and my husband is very supportive. Since it is my mother I don't tell these issues to anyone even my husband and it is destroying my Peace.
Ans: I'm sorry to hear about the difficulties you're facing in your relationship with your mother. It can be challenging when there are differences in opinions and expectations, especially when it comes to caregiving and managing family dynamics. Here are a few suggestions that might help you navigate this situation:

Communication: It's important to have open and honest communication with your mother. Try to express your feelings calmly and respectfully, and listen to her perspective as well. Sharing your concerns and thoughts can help create a better understanding between both of you.

Seek support: While you may not want to burden your husband with these issues, it's still essential to have someone to talk to and seek support from. Consider confiding in a close friend or a counselor who can provide an objective viewpoint and offer guidance on how to cope with the emotional stress.

Boundaries: Establishing boundaries is crucial in any relationship. Make it clear to your mother what you can and cannot do, taking into account your own personal and family commitments. It's important to find a balance between caring for her and taking care of yourself and your own family.

Sibling involvement: If you feel overwhelmed and alone in taking care of your mother, you can try to involve your siblings more actively in the process. Have an open conversation with them, express your concerns, and see if they can contribute in any way, whether it's by providing emotional support or assisting with certain responsibilities.

Patience and empathy: Understand that your mother's behavior and expectations may be influenced by her upbringing, cultural beliefs, and personal experiences. Try to approach situations with empathy, even if it's challenging. Remember that she may be experiencing her own struggles and fears as she grows older.

Self-care: Taking care of your own well-being is essential. Ensure that you make time for yourself, engage in activities that bring you joy, and maintain a healthy work-life balance. By taking care of yourself, you'll be better equipped to handle the challenges that arise in your relationship with your mother.

Remember, it's normal to feel frustrated and emotionally drained in such situations. However, with patience, understanding, and effective communication, you may be able to improve your relationship with your mother and find a balance that works for both of you.

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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 18, 2024

Asked by Anonymous - Oct 16, 2024Hindi
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Relationship
I’am 28 yrs old and an elder sister in my 4 member family. Financially we belong in upper middle class but my strict father raised us in middle class standard. After school i got my higher education from government college and around 24yr old i stopped asking money from my father. I asked only for basic minimum to cover my travel experience, that too killed me with shame and heavy burden on my chest. I worked really hard to crack SSC exam and in sep i joined my office after clearing exam by the grace of god. Now here comes my 1st salary and my younger brother demanded that i pay 799 for his phn recharge, which i declined and then later in the evening he is demanding that he is buying someone, he is in the shop so give me 200rp without any explanation of what he is buying. I don’t want to do that but now my mother is lecturing me about relations over money and that its ok, you are ought to give money to ur brother. Now m the villian only because I don’t want to pay for his expenses. M not against giving money in need but is it wrong for me to decline to become ATM for my younger brother? And what should i give him money for, it was my parents who sacrificed for me not him. What should i do when m being forced to treat him like a son by my mother rather than just a sibling?
Ans: Dear Anonymous,
You are being given the role of playing the Guardian to your younger brother...Saying NO is the right thing as he will start getting used to demanding money from you.
Alternatively, you can give him a fixed sum, whatever that is and ask him to give you a break-up of expenses. That will teach him to be accountable and you won't have to have arguments at home. But also, tell your family that it might not be possible to give him money every month as you would like to start saving for the future. But make sure that if you give him money, let him account for it or show you where he has spent it. This will encourage him to get financially independent sooner too...

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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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 29, 2024

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Relationship
This pertains to my parents. I got married at the age of 30 about 18 years ago and have a dear and loving spouse who believed in contributing to our home and didn't wish to be a home maker. Since we were living in a joint family, my father wanted only us to spend for the full house without much/negligible contribution. My elder brother's spouse is from a well to do family and they started to live independently from the beginning of their marriage. In spite of running the total household expenses, we have from the beginning learnt to save and we planned many vacation trips, overseas and domestic alike. My mother could not and till date cannot appreciate the fact that only the 2 of us are holidaying and she wanted to be part of our holidays which we have vehemently denied as that was a me-time for both of us. She has held this sourness against us although this comes out in her discussion occasionally. In spite of living together and addressing all needs of my elderly parents, my mother is perpetually complaining about not doing enough. I have tried to leave home and separate out as 2-3 times the fight with her had gone out of bounds because of her behaving un-reasonably weird. At times she takes care of all of us and at times she speaks so bitter about me and my wife, it is had to understand if it was the same person. My father has been a quiet individual and he has no opinions on anyone and will not side with anyone, neither will he call out any wrongdoing & there is no point in talking to him as his only objective is to have a peaceful life and have 3 meals a day without caring about anyone else in the world. 9 years ago i was laid off and i was almost compelled to start a real estate business with my father, this work requires mental and physical dedication which i have put and established myself in a respectable stage. Since the beginning my father had wanted to only take the accounting bit of the business as his responsibility as he does not know anything else. He has not let me look at accounts ever and he kind of pays me a salary whatever he deems fit at the end of the month, he also retains a large chunk with him and pays mom to run the house from the business. Although he has no travel, not going out of home, and no friends, he still needs the money for which he has not described or spoken when asked, mom and i suspect he is funding another family at our expense but we are not sure, as he has maintained a secret life for his entire life. 6 months ago me and my wife purchased a home and shifted and even now his approach towards my family needs is nonchalant as he keeps the major pie of the business income regardless of not putting any effort or work. At one end there is my mother who has demands all the time, at the other end my father is almost stealing from me without any justification or clarification. Somehow both of us are living separate and managing a peaceful life with very little which remains after servicing all Emi's and plus we also manage to contribute little to my father in law for running his household. Both of us seem to be burned out as our close ones only think of us only when money is required. Sometimes i feel i should shut shop and do something else, i also upscaled myself by clearing MBA at the age of 45 during covid so that some employer may consider me worthy and in spite of applying to 450+ job openings no one considers my resume to be appropriate. My wife is employed in a senior managerial position with a mnc and both of us fear that in 10 years time we will have nothing left with us and no one to take care of ourselves. Its frustrating as there seems no path forward, can u suggest anything ?
Ans: Dear RERA,
Living in a separate home in your case would have to mean that you keep your finances separately as well.
Your older brother must pitch in as well for parents; so please have that chat with him. There's no point in playing a martyr and then worry about being taken advantage of. When you say YES, when you actually want to say NO, is the beginning of a whole lot of issues which is what has happened...
So, now rewind and start clearing things one by one. Start by talking to your brother who will also need to contribute towards parents. Next, what your father does with that money is something you may never know; what you can do is CAP the amount so that he does not think that he has a perennial source of money. Kindly go on more trips with your wife so that your mother gets used to this fact. Plan trips at least once a year with the entire family which is where your mother will also enjoy and understand that she is not being ignored but actually cared for.
Plan your life with your spouse and make decisions that are financially prudent as you need to take care of yourselves as well.

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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Nayagam P

Nayagam P P  |8444 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Asked by Anonymous - Jul 10, 2025Hindi
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I have enrolled in BBA [Hons with Research] program which is of 4 years, at Shri shikshayatan college kolkata. What are the courses/skills I should pursue alongside it for placements ?
Ans: Pursuing complementary courses and skill development alongside a four-year BBA (Hons with Research) equips graduates for competitive campus placements by strengthening analytical, technical, managerial, digital and interpersonal competencies. Enrolling in a Digital Marketing Certification sharpens SEO, social media and content strategy abilities, aligning with 90% of companies hiring marketing associates. Mastering Advanced Excel & Power BI through certified programs builds data-visualization and dashboarding expertise valued by 49% of recruiters, while Data Analytics courses using Python and Tableau instill analytical problem-solving and predictive modeling skills essential for 53% of hiring managers. Completing a Project Management Professional or short-term Six Sigma Green Belt course enhances planning, risk management and leadership acumen prized by recruiters. Simultaneously, structured Business Communication and Public Speaking workshops develop the teamwork, communication and critical-thinking proficiencies that 57–55% of recruiters prioritize in new hires. Together, these certifications strengthen academic foundations, demonstrate proactive learning, and signal job-readiness for diverse roles in finance, consulting, marketing and operations.

Recommendation: Embrace certifications in Digital Marketing, Advanced Excel & Power BI, Data Analytics and Project Management to augment technical and managerial capabilities, supported by targeted Business Communication training to ensure holistic employability. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 10, 2025

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Sir, I have seat confirmation in Reve University B Tech CSE ( AI/ML). But let me tell you my background. I am basically a PCB students passed 12th class in 2024 CBSE. Since I wanted to do engineering , I have cleared maths alone from NIOS. So have two board certificates ( CBSE and NIOS). Due to which many other colleges are not ready to give direct admission due to duel certificates. But Reve University and Other deemed universities are ready to give admission. If it takes admission into REVA, during placement time will this dual board certificate of 12th will cause a any problem ?. I do have option to join VIT Bhopal CSE (HI) Cat 2 admission is based on PCB certificate. please suggest sir. Thanks in advance.
Ans: Having separate CBSE and NIOS 12th-board certificates will not hinder campus recruitments at REVA University, as placements rely on your B.Tech degree eligibility rather than your secondary board credentials. REVA’s AI/ML-CSE branch has achieved around 90% placement over the past three years through its Career Development Centre and industry tie-ups. VIT Bhopal’s Health Informatics programme, though open to PCB entrants under Category-2, benefits from VIT’s centralized placement system—boasting a 90%+ placement rate and major recruiters like Microsoft, Amazon and TCS. However, Health Informatics is more niche than core AI/ML-CSE. Both institutions provide strong labs, accredited curricula, faculty expertise, research opportunities and active industry collaborations.

Recommendation: Choose REVA University CSE (AI/ML) for its direct alignment with AI/ML careers and consistently high placement percentages; consider VIT Bhopal Health Informatics as a backup for its robust infrastructure and centralized VIT placement network & if you are interested in this branch. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8444 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Janak

Janak Patel  |57 Answers  |Ask -

MF, PF Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Money
Hello Janak Sir.. hope you are doing well..I am 43 year old having 2 daughter 13 and 4 year).Currently I am having 75 lac in MF ,20 lac in FD, around 26 lac in PF and around 5 lakh in other investments.I have 2 houses one is loan free and getting rent for 10000 pm from it.For other flat where I am residing 29 lakh loan is pending and also having 6 lakh loan for car.I am investigating 55000 in MF per month.I am in hand income of 280000.My questions should I start paying loan fast for home loan(7 per) and car loan (9.2 per) by paying on lump sum to become debt free in 4 -5 year or increase SIP in MF?
Ans: Hi,

Your Financials look reasonably good even with some liabilities. Your liabilities stand at about 28% of your assets and 12.5 times your income, which is a healthy ratio by itself.

Your PF amount should not be considered for the purpose you have mentioned and let it remain for retirement. This amount may be earning about 8%, but its completely tax exempt and you should only think to withdraw post retirement.

You have mentioned 5 lakhs in other investments, you will need to evaluate these for liquidity and returns to support the below recommendations. If they are earning better returns than loan rates mentioned then do continue, else you can consider to liquidate and service the loan.

Car Loan -
Your car loan of 6 lakhs is at 9.2%, which I am sure is higher than the returns on your FDs. Returns from FDs are also taxable and clubbed into your income. Even at 7% interest you are effectively getting lower returns (under 5%) post tax. You will be in the highest tax backet based on income. So the car loan should be immediately closed with amounts from the FDs.

Home Loan -
You must be claiming some tax benefits for the home loan in your taxes. You can similarly decide if the benefits is better than the FD returns. Without EMI details, I can only assume and in a lot of cases they are better and hence claiming tax benefits continues. Also with your financial standing you can continue and build wealth now as the returns from Mutual fund investments will out weigh the pre-payment on the loan.
In numbers, lets consider you pay off the home loan amount of 29 lakhs in 5 years, your monthly contribution will be 57K and you would have paid approx. 34.25 lakhs to the bank. If you invest the same 57k monthly in Mutual funds, you would accumulate 47 lakhs in 5 years at 12% returns.

So yes continue with your SIPs and top them up with additional amounts you can and build a good corpus for the future.
Also the remaining FDs amount of 14 lakhs after paying the car loan can be better deployed. Keep about 3 months expenses in FDs and the rest can be moved to a Hybrid Mutual fund (e.g. HDFC balanced advantage fund) to earn better returns.
With 2 daughters, you will be looking to provide them education and better life until they are independent, so every rupee towards that big corpus is going be beneficial in the long run.

Do ensure you have sufficient term life cover and health cover for the family.
You can consult a CFP or a fee based advisor to get a comprehensive financial plan personalized for yourself. It will be worth the effort and money for a secured and bright future for the family.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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Nayagam P

Nayagam P P  |8444 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Asked by Anonymous - Jul 10, 2025Hindi
Career
My kcet 2025 rank is 37964 GM category Which top colleges can I get a seat in for ECE?
Ans: With a KCET rank of 37,964 in the General Merit category, you can secure confirmed seats in reputable ECE programs at institutions whose closing ranks exceed your score and that maintain key strengths—accredited curricula, experienced faculty, modern labs, industry linkages, active research and placement support averaging over 80% in the last three years. These include MVJ College of Engineering, Bangalore (ECE closing rank ~34,103), Ghousia Engineering College, Ramanagara (closing rank up to 39,498), SKSJT Institute of Engineering, Bangalore (closing rank ~28,046), Dr. T. Thimmaiah Institute of Technology, Kolar (closing rank ~27,561), New Horizon College of Engineering, Bengaluru (closing rank ~26,172), Sri Siddhartha Institute of Technology, Tumkur (ECE closing rank ~36,157), Oxford College of Engineering, Bangalore (high closing ranks for ECE seats), Maratha Mandal Engineering College, Belgaum (ECE closing rank ~117,323), Basaveshwara Engineering College, Bagalkot (closing rank ~122,228) and P.E.S. College of Engineering, Mandya (closing rank ~29,291). These colleges combine solid academic ecosystems, practical training and consistent recruiter engagement.

Recommendation: MVJ College of Engineering Bangalore for its balanced academics and placement consistency, followed by Ghousia Engineering College and SKSJT Institute of Engineering for strong infrastructure and alumni networks, then Dr. T. Thimmaiah IT Kolar, New Horizon Bengaluru and Sri Siddhartha Tumkur for robust industry ties. All the BEST for Admission & a Prosperous Future!

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