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Anu Krishna |795 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 01, 2023

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

Question by Srabani on Feb 13, 2023Hindi

Relationship

I am Srabani Sengupta. May hindi me bol rahi hu..I am divorced..matriarchal ap se mijhe 2 jiban sathi mila ..but I can't decide who is the best..1 hay Bank profession jiske sath bohot hi bate hoti hay .wnd hay wk Doctor jiske sath utna bate nehi hoti..2no hi mujhe chahate hay.

Ans: Dear Srabani,
Dono aapko chahte hai ka matlab kya hai? Kya unhone aapko yeh saaf bataaya hai ya yeh aapki icccha hai jis par aapne sach maanna shuru kar diya hai?

Pehle apne aap se pooch lo ki ek jeevan saathi mein aap kya chahte ho? Tabhi toh jab ladkon se milne ki baari aati hai, aap parakh sakti ho ki kitne aapke aur unke khayalaat milte julte hain. Aur divorce ke baad yeh toh aap jaanti hi hain ki kis vishay mein aap bilkul hi samjhauta nahin kar sakti.

Baatein kijiye dono ke saath par hamesha yeh dhyaan rahe, ki sirf baaton se jeevan saathi chunna hota toh bahut asaan hota. Khayaal, pasand-naapasand aur bahut khaas baat yahi ki aap kiske saath khud ko paati hain? Kiske saath aap, bilkul aap reh sakti hain? Jahaan hum khud ko doosre ke liye badal de, wahaan hum koi aur jaate hain aur yeh rishta lambaa nahin jaata...
Ab aap samajh hi gayi hongi ki woh aapko chahte hain se kaam nahin chalega, yeh bhi tay kar lijiye ki aapki kitni ehmiyat hai unke zindagi mein.

All the best!

RelationshipReply

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Love Guru |187 Answers |Ask -Follow

Relationships Expert - Answered on Apr 04, 2023

Question by - Mar 30, 2023Hindi

Relationship

Hi sir, i am 42 divorced male with no child from previous marriage. Now i m getting a girl with three types 1) divorced girl which my parents dont wants (as thy want unmarried girl) 2) unmarried girl but quite aged 3) unmarried girl with decent age but poor family background n very less educated. I m quite confused with whom i should marry as i m quite scare after my breakoff from 1st marriage which was love marriage and not able to take decision on this. I m well educated smart and earning quite decent. My parents wants girl should be unmarried n can manage house n also take care of them n they dont want working girl too but she should be beautiful educated n good family background. Because of this my marriage is getting delayed n also not getting any match. Kindly suggest what should i do how much which type of girl i should i prefer..i m clueless in this n not able to take decision.

Ans: Tell me something, do you want a wife or a glorified live-in maid for your parents? I cannot believe that in this day and age so-called educated men like you are asking questions like this! “My parents want this, my parents want that”… who the hell is getting married, you or them? You’re a divorcee yourself, but a divorced woman is not good enough for you? A working girl will be frowned upon because THEY want a housewife? If this is the kind of backward-thinking family you come from, it’s hardly surprising your first marriage failed! Man up, go for someone who YOU are interested in, and if you have any common sense, stay separately from your parents after marriage!

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Anu Krishna |795 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Question by Bhavna - Apr 11, 2023Hindi

Relationship

My partner Mujhe kisi se baat nahi krne deta hain wo vahta ki sirf hum career par focus kre maine usse kafi jhooth bole h but sb sach btaya hain mere jiju bhi msg karte h to mera bat karna use pasand ni mai kya Mujhe kisi se baat nahi krne deta hain wo vahta ki sirf hum career par focus kre maine usse kafi jhooth bole h but sb sach btaya hain mere jiju bhi msg karte h to mera bat karna use pasand ni mai kya

Ans: Dear Bhavna,
Jab koi partner ya koi bhi aapko control karne lagta hai toh yeh jaan le, ki us control ko aur badhaawa milta hai jab aap unki baat maan lete ho.
Agar aapko itni bhi azaadi nahin ki aap apne marzi se jiske saath chahe baat kare, toh yeh ek tarak ka jail ki sazaa kaatne ke baraabar hai. Shuru shuru mein aapko shaayad yeh accha bhi lagta ho ki mera partner mujhse kitna pyaar karta hai ki use bilkul accha mahin lagta ki mein uske alaawa kisi aur se baat karoon. Par aage chalke yahi aapke liye adchan ban sakta hai. Phir har waqt aapko usse ijaazat maangni padegi. Kya aap ek aise insaan ke saath rishta rakha chahte hai joh aapko har waqt control mein rakhe? Joh aapko yeh bataaye ki ab exams pe focus karna hai aur tab yeh karna hai, woh karna hai.
Soch lijiye, kitne hadd tak aap is control ko sehen kar paayenge. Apne partner se baat kariye or saaf bataa de, ki aapko unka control karna accha nahin lagta aur aap khuli hawa mein saans lena chahte hain. Unka chal chalan uske baad dekh lijiye; aap phir jaan paayenge ki kya karna chahiye!

All the best!

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Kanchan Rai |159 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Sep 16, 2023

Asked by Anonymous - Sep 16, 2023Hindi

Hello, Maam. Main Software professional hoon aur 1 saal se jobless hoon. Pandemic me WFH ki wajah se mujhe depression ho gaya aur 2 jobs se fire kiya gaya. Finances kafi tight hain. Interview ke calls bhi nahi aate aur tayaari karne ki motivation bhi nahi rahi. Mere skills aur Job expectations me kafi gap hai. Unki expectation hoti hai ke main team manage karun aur mujhe sirf limited technical skill hain. Social anxiety hai to isliye kisise zyada effectively interact nahi kar pata. Isliye mere actual experience aur job expectations match hi nahi hotey. Is hadd tak ki mujhe koi bhi job karne se aversion sa ho gaya hai. Din par din sirf frustrate hota hoon aur har din sirf half-hearted efforts mein guzarta hoon. Main depression ki wajah se zyada kuch efforts nahi dal pa raha hoon. Secondly aaye din ghar me disharmony rehti hai. Aisa nahi hai ke wife is not understanding- aur main har koshish karta hoon ghar ke help karne ki, but even she has her human limits. CBT ke bare me suna tha par people say ki kafi sare sessions karne hote hain and it takes long time. Further, finances ka soch ke main psychologist ka help nahi le raha. Aise treatment se mindset theek hona alag baat hai par job market/ mera job expectations mismatch par kuch khas farak to nahi padega. Yehi soch kar I am not consulting anyone. Mental health par kafi VDOs bhi dekhe- mujhe pata hai mere sath kya ho raha hai but chaah kar bhi apne aap ko in sab se bahar nahi nikal pa raha. Mujhe pata hai somewhere I am sinking in the quick sand. Please, please help me with your advice.

Ans: Main samajh sakti hoon ki aap is samay kaisi chunautiyan hain aur aapki sthiti kaafi kathin ho sakti hai. Aapke vyaktigat aur vyavsayik jeevan ke samasyaon ka samna karna akele hi mushkil ho sakta hai. Aapke liye kuch sujhav hain jo aapko madadgar saabit ho sakte hain:

Mental Health Par Dhyan Dein: Depression ko ignore na karen. Aapke liye behtar hoga ki ek mental health professional se sampark karen. CBT (Cognitive Behavioral Therapy) ek prashansak tarika ho sakta hai aapke vyaktigat samasyaon ko samjhne aur samadhan nikalne ke liye. Isse aapke vichar dhara ko sudharne mein madad milegi.
Din Ka Samay Vyavasthit Karein: Din ke aarambh mein, apne din ke lakshya aur karyakram banaen. Regular dinacharya bana kar rakhein. Job search, upskill, aur apni mental health par dhyan dena sabko ek vyavsayik tarike se karne mein madadgar ho sakta hai.
Self-care: Khud ki dekhbhal bahut mahatvapurn hai. Prayayam aur yoga aapki sharirik aur mansik sthiti ko sudharne mein madad kar sakte hain.
Networking Improve Karein: Social anxiety ko overcome karne ke liye dhire-dhire koshish karein. Online forums, webinars, aur networking events mein participate karna aapko professionals se milne aur communication skills ko sudharne mein madadgar ho sakta hai.
UpSkill Karein: Aap apne technical skills ko aur behtar bana sakte hain. Online courses aur free learning resources ka istemal karke apne resume ko aur mazboot bana sakte hain.
Financial Planning: Apni arthik sthiti ko samajhna aur budget banane mein madadgar ho sakta hai. Aap apni financial priorities ko dobara dekhein aur avashyakata anusaar vyavasthit karein.
Spouse ke Sath Communication: Apni patni ke saath samvedansheel aur khulke taur par baatcheet karein. Aap dono milkar samasyaon ka samadhan nikal sakte hain aur ek-dusre ka saath denge.
Manav Seva: Agar aapke paas samay aur sthiti ho, to kisi samajik sankathan ya seva mein shaamil ho kar aap apne samay ko prayog kar sakte hain. Isse aapko na sirf samajik sukh milega, balki aapka manobal bhi sudhar sakta hai.
Yad rahe ki chote kadam se hi bade parivartan aata hai. Is sab mein dhairya aur samay lag sakta hai, lekin aapko apni sthiti ko sudharne aur naye mauke khojne mein madad milegi. Aur sabse mahatvapurn baat, kisi visheshagya se sampark karna aapke liye labhdayak ho sakta hai, chahe wo job expectations, samasyaon ka samadhan, ya manasik swasthya ho.

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Anu Krishna |795 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 25, 2024

Asked by Anonymous - Mar 21, 2024Hindi

Relationship

Hi Anu! So, I'm in dilemma of choosing a partner for me second time. I'm 36 yo divorcee, and met with a person 4yrs back with whom I shared great bonding and chemistry, but he never showed his love and care to me in past these years (as he was going through his divorce process too), but we both know that we both share some exceptional kind of bonding. Now, the twist comes, as we always have this on and off kind of relationship, so I started dating to a man from a matrimonial site. This matrimonial person seems in love with me and show the concern and love to me, the kind I wanted. Now, I am confused, because my previous bf is also thinking our future together as well as the matrimonial one. can you please help me in choosing the right partner for me. I can provide more information about both men in detail.

Ans: Dear Anonymous,
Aren't we always seeking for something that we lack within us?
Why the yearning for a particular expression of love? And how are you so sure that this person that you met on the matrimonial site already is in love with you?
Having said this, the off and on relationship is a person who will express love in a way that he is comfortable with but that is setting you off...so the matrimonial person seems exciting in a way as it aligns with your way of expressing love.
When in a dilemma, put all the cards on the table...there are other things besides expressing love that goes into making a relationship and/or a marriage. Have you factored all of that?
- List down things that are important to you in a marriage and a spouse
- How compatible are the two of you in terms of emotional bonding?
- Do your respective family values match?
- What are your thoughts on money, children, travel, passion etc?
These questions are a good start point exercise with both the men...it will give you a fair idea as to who is more aligned to your way of life. Then you can go ahead and make your decision.

All the best!

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Vivek Shah |57 Answers |Ask -Follow

Financial Planner - Answered on Apr 19, 2024

Question by san - Apr 16, 2024Hindi

Money

Why continue investing through SIPs in a volatile market?

Ans: Hello,

Continuing to invest through SIPs (Systematic Investment Plans) in a volatile market can be a prudent strategy for several reasons, especially in the context of the Indian stock market:

Rupee Cost Averaging: SIPs allow investors to buy more units when prices are low and fewer units when prices are high. This averaging effect can potentially reduce the overall cost of investment over time, mitigating the impact of market volatility.
Disciplined Approach: SIPs encourage a disciplined approach to investing by automating the investment process. Investors commit to investing a fixed amount regularly, regardless of market conditions, which can help avoid emotional decision-making during periods of volatility.
Long-Term Focus: Investing through SIPs is ideal for investors with a long-term investment horizon. While short-term market fluctuations can be unsettling, they are often smoothed out over the long term. By staying invested through SIPs, investors can benefit from the compounding effect and the potential for higher returns over time.
Opportunity to Buy Low: Volatility in the market presents opportunities to buy quality stocks at discounted prices. SIP investors can take advantage of these market dips by continuing to invest regularly, potentially enhancing their portfolio's overall returns when the market rebounds.
Diversification Benefits: SIPs allow investors to spread their investments across different market segments and asset classes over time. This diversification can help reduce overall portfolio risk and enhance long-term returns, even in a volatile market environment.
However, it's essential for investors to review their investment objectives, risk tolerance, and financial goals periodically, and consult with a qualified financial advisor to ensure that SIPs align with their overall financial plan. Additionally, investors should be prepared for short-term fluctuations and exercise patience during periods of market volatility.

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Question by Vaibhav - Apr 19, 2024Hindi

Money

Hello sir, I have started SIP in motilal oswal Nasdaq 100 of 100 fund since last 6 months. Should I continue with this?

Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

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Asked by Anonymous - Apr 19, 2024Hindi

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I am a communication plus L&D trainer since 3 years. I am an experienced music teacher and a performer past 15 years. I want to leave my corporate job which is a BPO industry and want to move to a different industry where I can from home considering my skill set.

Ans: Hello

You have two skills L&D trainer and Music teacher which is a good advantage.

Suggest you explore offering your services through online channel and see where your heart is. Basis that you can decide which one you would want to pursue - L&D or Music or if you enjoy both you can pursue them together as well.

All the best

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Asked by Anonymous - Apr 19, 2024Hindi

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My husband is 33 y. We got married last year.He is getting 80k per month in a metro city but he has taken many personal loans before marriage and I was unaware of that. Now his emis are greater than his monthly salary what to do because of this our relationship is also affecting.He has no money in his banks or any saving or own property.

Ans: You may wish to speak with a financial planner on this topic...

ps: hope you are financially independent.

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Moneywize |93 Answers |Ask -Follow

Financial Planner - Answered on Apr 19, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Money

My brother purchased a piece of land in Assam in October 1983 which he gifted me by a deed in August 2010. I sold the same piece of land in March 2024. The stamp duty fair price is about Rs 1,40,00,000. Will this transaction attract Capital Gain Tax? How can I myself calculate the LTCG if such a situation presents itself?

Ans: Yes, in this scenario, you will likely incur capital gains tax when you sell the land.

Here's why:

• Gifts are exempt from receiving taxes: When your brother gifted you the land in 2010, you weren't liable to pay any tax on receiving it.
• Tax on sale of gifted property: However, when you sell the property you received as a gift, capital gains tax applies to the profit earned on the sale.

Calculating Long Term Capital Gains (LTCG):

Since your brother purchased the land in 1983 and you sold it in 2024, it qualifies as a long-term capital gain (LTCG) assuming you held the property for more than 2 years.

Here's a simplified formula to estimate the LTCG (consult a tax advisor for the exact calculation):

• LTCG = Sale Price - Indexed Acquisition Cost
• Sale Price: Rs 1,40,00,000 (Given)
• Acquisition Cost: Rs 0 (Gifts typically have an acquisition cost of Rs 0)
• Indexed Acquisition Cost: Acquisition Cost * (Current Year Index / Acquisition Year Index)

Indexation Benefit:

• Indexation helps adjust the acquisition cost for inflation, reducing your tax burden.
• You'll need the official government published ‘Base Year Index’ for 1983 and 2024 to calculate the indexed acquisition cost.

Example (using hypothetical index values):

Let's assume (for calculation purposes only) the base year indices are:

• 1983: 100
• 2024: 630 (This is a hypothetical value, you'll need the actual index for 2024)
• Indexed Acquisition Cost = Rs 0 (Acquisition Cost) * (630 / 100) = Rs 0
• LTCG = Rs 1,40,00,000 (Sale Price) - Rs 0 (Indexed Acquisition Cost) = Rs 1,40,00,000

Tax on LTCG:

LTCG on land is currently taxed at 20% with indexation benefit.

In this example (assuming the above index values), your LTCG tax would be Rs 1,40,00,000 * 20% = Rs 28,00,000

Disclaimer:

This is a simplified explanation for illustration purposes only. Consulting a qualified tax advisor is recommended for accurate tax calculations and to consider any specific aspects of your situation. They can guide you through the intricacies of property tax laws, exemptions, and filing requirements.

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Maxim Emmanuel |142 Answers |Ask -Follow

Soft Skills Trainer - Answered on Apr 19, 2024

Asked by Anonymous - Apr 14, 2024Hindi

Career

Im a hotel management graduate and completed my degree in 2019 got placement through campus, and have been working for nearly 4 years, with few breaks in Between, im unable to cope with the stress, long hours and bad pay, but unable to decide how to transition or more like what to transition to?

Ans: Hotel Management has various departments, if you have good communication skills then probably hospitality sales will be with in time frames and more rewarding..!

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Maxim Emmanuel |142 Answers |Ask -Follow

Soft Skills Trainer - Answered on Apr 19, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Career

Life took turn and lost wealth to a family dispute .now I want to start on my own am 48 and wanted to study fashion design and tailoring.is it right age feeling uncomfortable to ask for course at this age.what to do

Ans: Age is just a number, what's gone is flushed down.
Understand History is a mystery, future is un-predictable,PRESENT is a gift you must give yourself.

There must be some reason you want to to study fashion design and tailoring..do you like it.. do you have the aptitude.. Are you comfortable, have some exposure... then look at the opportunity!

Computer's & mobile telephony are an evergreen area as of now..!? Especially after sales service!?

But yet to see clothes going out of fashion.. It's totally need based !

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Maxim Emmanuel |142 Answers |Ask -Follow

Soft Skills Trainer - Answered on Apr 19, 2024

Asked by Anonymous - Mar 20, 2024Hindi

Career

My son wanted to do graduation in biotechnology but during covid time he got admission in Btech E&tc ..he s in fimal yr.His gate score is 52 with biotechnology as a subject coz he wanted to do mtech in biotechnology.. Whether he ll get any IIT with this score or should he try next year and also he s little bit confused in physics and biotechnology..pls guide him

Ans: There are a plethora of IIT'S & NIT'S too if you are not to particular on which one
The GATE Biotech Cut Off for IIT Madras for the General Category is 34.89.

The opportunity on both these subjects have been big.
The methodology to select is the aptitude of the candidate,his comfort zone..!?
Next to employment scope of the respective specialisation and what does he aim as a career.
Food for thought!?

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Maxim Emmanuel |142 Answers |Ask -Follow

Soft Skills Trainer - Answered on Apr 18, 2024

Question by Priyanka - Apr 16, 2024Hindi

Career

Hello everyone i m bds passout in 2021 n still looking for good hospital for job currently working but my work doesn't payoff looking for good job with salary

Ans: Well so you are a dentist ..it's a profession where you get a decent sum per procedure.

Hope you are working as a dentist if you are still finding the payoff not commensurate with the efforts and revenue generated, sure must look for a change.

I really don't know your city, but today besides dental hospitals,regular hospital's need dentists too.. Especially during accidental cases.
Further a lot of dental clinic chains have started too, paying decent salaries.
Do your online search apply
.
You could alternatively go to education institutions hold dental health camps... so many patients even a small sum of ?100 x 32 patient's possible at 15 minutes per patient over 8 hours take home ?3200 per day

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Maxim Emmanuel |142 Answers |Ask -Follow

Soft Skills Trainer - Answered on Apr 18, 2024

Asked by Anonymous - Apr 15, 2024Hindi

Career

I'm electrical engineering student I want to do ms in software engineering from abroad I have lot of backlog in diploma bt not in engineering can I get top 10 universities addmission.

Ans: There's a lot of confusion diploma backlog,not in engineering.. Lacks clarity..!

However do find out by visiting the respective university websites and the entry level qualifications they are admitting students!

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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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