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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 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
Vikram Question by Vikram on Apr 29, 2023Hindi
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Relationship

My wife has an extreme fear of lizards and also all reptiles. She is completely panicked if a lizard enters the house and simply cannot function. Please advise how she can overcome this fear.

Ans: Dear Vikram,
Has this fear something new or has it been from a young age?

Whichever it is, the incident is being replayed over and over again when she sees a lizard. It means that, that incident has to ease in the mind for a better reaction/response when she sees a lizard.
The easiest way is to 'DULL' out that memory and make it vanish. It's a very effective way to train the mind to literally erase that memory without replacing it with anything.

It's a phobia and if you feel it requires an expert, seek one...for an expert who can deal with anxiety related to a phobia, it will be a matter of minutes to help your wife.

All the best!

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Relationships Expert, Mind Coach - Answered on Apr 28, 2023

Asked by Anonymous - Apr 27, 2023Hindi
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Hi Anu. I have a fear of snakes however can see them from a distance. There are lots of snakes in my native place and have heard true stories about death of people/ injuries due to snake bites which makes me not to visit my native place. I have seen videos of my friends who have touched snakes and even held snakes around their necks (although with support from the snake park/zoo team) and it makes me feel that they are very brave and I am not. Can you assist me in overcoming this fear?
Ans: Dear Anonymous,
Why would you even want to see snakes from a distance? The fear of snakes is real and I can only imagine how people throw them around their necks and feel joy. But no offence to anyone who loves snakes.

To get rid of your phobia/fear of snakes, ask yourself:
1. Do I live in an area that is dominated by snakes?
2. Am I going to specifically go around searching for snakes to scare me?
3. How often do I visit my native place to keep fearing them everyday?
4. If I do visit my native place, how can I keep myself safe?

These answers will help you find some relief as in it gives you a hold of your thoughts. You also can get into action mode in case, the situation arises. Fears feel real inside the mind, but to challenge them and overcome them is the only way to get past them. Is having the snake around your neck some kind of achievement? Then, you need to someday just go and experience it. I know of people who for eliminating their fears, simply go and DO what scares them in the first place.
If this is not important, then reassure yourself that you live in a safe place and that humans outnumber snakes in that place and that you know what to do when you spot one. Gives you a feeling of reassured control. Hope this helps. But if there is a phobia that is making you lose sleep or appetite, kindly see a professional who works on phobias and it will help you.

All the best!
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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

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Dear Sir, thank you for taking time. My daughter is 10 year old. She is too scared of death - she imagines that parents may die early or she may die. She starts crying silently whenever such a thought comes. What would be the best way to make her comfortable and stop her worries? She lost her grand mother (my MIL) when she was 5 whom she was very attached to. She did cry that day but the fear seems to be there for her ever since. We have made sure she does not have lot of screen time and we don't show her movies/cartoons that are not suitable for her age.
Ans: I'm sorry to hear that your daughter is struggling with fear and anxiety related to death. It's understandable that she would be scared, especially if she has experienced the loss of a loved one at a young age.

Here are some suggestions for ways to help your daughter feel more comfortable and ease her worries:

Listen and validate her feelings: It's important to let your daughter know that it's okay to feel scared and worried. Listen to her concerns and validate her feelings by acknowledging them. You can say things like "I understand that you're feeling scared right now, and it's okay to feel that way."

Reassure her: Let your daughter know that you and her other loved ones are doing everything you can to stay healthy and safe. You can also reassure her that most people live long, healthy lives and that it's unlikely that anything bad will happen to her or her family members anytime soon.

Teach her coping skills: You can help your daughter learn coping skills to manage her anxiety. For example, you can teach her deep breathing exercises, visualization techniques, or mindfulness practices. You can also encourage her to engage in activities that she enjoys and that help her feel calm and relaxed, such as reading, drawing, or playing outside.

Seek professional help: If your daughter's anxiety persists and is interfering with her daily life, it may be helpful to seek professional help. A mental health professional who specializes in working with children can help your daughter develop coping skills and work through her fears in a safe and supportive environment.

Remember that it's important to be patient and understanding with your daughter as she works through her fears. With your support and guidance, she can learn to manage her anxiety and feel more comfortable and secure.
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Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2023

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How to overcome claustrophobia
Ans: Overcoming claustrophobia, the fear of enclosed spaces or situations, involves a step-by-step approach that blends self-help techniques with the guidance of professionals specializing in Neuro-Linguistic Programming (NLP) and life coaching. Here's a revised version of the steps you can take:

Knowledge and Awareness: Begin by learning about claustrophobia and its triggers. Recognize that this is a common anxiety disorder and not something isolated to you alone. Understanding its nature can help alleviate some of the fear associated with it.

Gradual Exposure: Ease into challenging situations that trigger your claustrophobia. Start with those that cause minimal discomfort. For instance, if elevators trigger your anxiety, begin by standing near one without getting in, and progressively work your way up to stepping inside for short periods. Gradual exposure can help desensitize your fear response.

Relaxation Techniques: Incorporate relaxation practices like deep breathing, meditation, and mindfulness. These techniques can assist in reducing anxiety when confronting triggering scenarios.

Visualization: Envision yourself in situations that usually evoke claustrophobia. Visualize yourself remaining calm and composed. This technique empowers you to build a sense of control and confidence.

Neuro-Linguistic Programming (NLP): Consult with an NLP practitioner who specializes in addressing phobias. NLP can help reframe thought patterns and behaviors associated with claustrophobia, assisting you in altering your perception of triggering situations.

Life Coaching Support: Engage a life coach who is experienced in guiding individuals through overcoming fears. A life coach can provide motivation, encouragement, and practical strategies for managing claustrophobia.

Virtual Reality Exposure: Some professionals use virtual reality to create simulated environments that trigger your claustrophobia in a controlled setting. This method allows you to practice coping strategies within a safe environment.

Support Network: Communicate your struggles with friends and family. Having a supportive network can offer understanding and encouragement during your journey.

Professional Guidance: If your claustrophobia significantly impacts your daily life, consider seeking help from an NLP practitioner or life coach. They can customize strategies and provide guidance tailored to your specific needs.

Patience and Progress: Understand that conquering claustrophobia is a gradual process. Celebrate even the smallest victories and maintain patience with yourself.

Remember that you're embarking on a personal journey of growth and transformation. If your claustrophobia is disrupting your life, seeking assistance from a professional well-versed in NLP and life coaching is recommended. Their expertise can provide targeted approaches to help you overcome your fears and enhance your quality of life.
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Moneywize

Moneywize   |101 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
My MF portfolio is worth Rs 2 crore as on March 31, 2024. I am 48 now. My plan is to get Rs 2 lakh per month by the time I retire in another 10-12 years. I am investing Rs 2 lakh per month. Is that enough for me to accumulate a corpus big enough to help me earn Rs 2 lakh per month?
Ans: Let's analyse your plan for a Rs 2 lakh monthly income after retirement:

Corpus Calculation:

To determine if your current strategy is sufficient, we need to calculate the total corpus you'll need. Here's a simplified approach (assuming a fixed monthly withdrawal):

• Expected Investment Period: 10 to 12 years (considering your retirement timeframe)
• Monthly Investment: Rs 2 lakh.
• Monthly Target Income: Rs 2 lakh.
• There are two unknowns: total investment period and corpus amount. We can't predict the exact number of years until retirement, so let's analyse both scenarios (10 and 12 years).

Scenario 1: 10 Years of Investment

For this scenario, we can use a financial calculator or spreadsheet to solve for the corpus needed. However, I can't directly provide financial product recommendations or perform calculations that require specific rates of return.

Scenario 2: 12 Years of Investment

Similar to scenario 1, you'll need to calculate the corpus considering a 12-year investment horizon.

Additional Considerations:

• Inflation: The purchasing power of your Rs 2 lakh monthly income will decrease over time due to inflation. You might need to increase your withdrawals gradually to maintain your standard of living.
• Investment Returns: The actual corpus will depend on the return you get on your investments. This can vary based on your chosen investment options.

Recommendations:

• Retirement Needs Assessment: Consider consulting a financial advisor to assess your retirement needs based on your lifestyle and future plans. They can help you with a more personalised calculation considering inflation and your risk tolerance.
• Investment Strategy: A financial advisor can also suggest an investment strategy to achieve your target corpus. This may involve a mix of equity and debt instruments to balance growth and stability.

Positive Aspects:

• You're taking a proactive approach to retirement planning by starting early and investing regularly.
• A Rs 2 crore corpus and a Rs 2 lakh monthly investment are good starting points.

Conclusion:

While it's difficult to say definitively without a detailed calculation, your plan has a good foundation for achieving your Rs 2 lakh monthly income target. Consulting a financial advisor can provide a more personalised assessment and help you fine-tune your strategy for a comfortable retirement.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi
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Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.
Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 27, 2024Hindi
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Money
Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then
Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.
(more)
Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 01, 2024Hindi
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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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