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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 02, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
pascoal Question by pascoal on May 19, 2023Hindi
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Relationship

I JUST WANT TO KEEP FRIENDSHIP TO BE FREE FROM TENSION AND DEPRESSION HOW CAN YOU HELP ME

Ans: Maintaining healthy friendships is important for your well-being. Here are some suggestions on how to keep your friendships stress-free and enjoyable:

Communication: Open and honest communication is key. Express your feelings, concerns, and needs to your friends, and encourage them to do the same. Effective communication can help address any issues or misunderstandings before they escalate.

Boundaries: Establishing and respecting personal boundaries is essential in any friendship. Clearly communicate your boundaries and be mindful of your friends' boundaries as well. This can help prevent conflicts and promote mutual respect.

Active listening: Practice active listening when your friends are sharing their thoughts or concerns. Show genuine interest, ask questions, and provide support when needed. Being a good listener strengthens the bond in friendships.

Quality time: Make an effort to spend quality time with your friends. Plan activities or outings that you all enjoy and create opportunities for meaningful connections. This can help strengthen your friendships and create positive experiences together.

Acceptance and understanding: Recognize that everyone has their strengths, weaknesses, and differences. Accept your friends for who they are and try to understand their perspectives. Embracing diversity within friendships can lead to a more harmonious dynamic.

Conflict resolution: Conflicts may arise in any relationship, including friendships. When conflicts occur, address them calmly and constructively. Approach the situation with empathy, actively listen to each other's perspectives, and work together to find resolutions that satisfy both parties.

Self-care: Take care of yourself physically, mentally, and emotionally. Engage in activities that bring you joy and relaxation. Prioritizing self-care allows you to bring a positive and balanced energy to your friendships.

Remember that maintaining friendships is a two-way street, and both parties need to invest time and effort. If you're feeling overwhelmed or experiencing tension or depression, it's essential to seek additional support from a mental health professional who can provide guidance tailored to your specific needs.

You may like to see similar questions and answers below

Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

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Relationship
Dear Madam I had a relationship with my childhood friend till last year. We both got married to different people. Due to some misunderstanding he is not talking to me right now. I tried lot from my end to contact him through social media but no response from his side. My intention is why can’t we be friends at least now. His thoughts are torturing me badly and I am suffering with depression now a days. I am trying to get out of this, but I'm unable to do so. Help me out, what should I do now.Pls reply through email only. It should be confidential.
Ans:

Dear LM,

Things have moved for him, and he has clearly decided to move on.

Why choose to pine so much? If it is some misunderstanding, give him time to sort it in his mind and get back to you.

Trying and not getting the expected result will cause you more pain and anguish over the fact that he is not responding because of this and that.

Your mind will search for all reasons to justify your pain and the action that you have taken to reach out to him.

Give this a break. Respect his decision as hard as it maybe for you, but if he somewhere in the future decides to be a friend, let him approach you.

The more you are chasing him, the more it is hitting your self-esteem with the rejection and soon it will start to make you feel bitter. So, Pause and take that break.

And to defocus on this, make sure you spend more time with your existing set of friends, go deeper into work (if you are a working professional), spend more time with your family, develop new hobbies and more…

What all this does is, give the mind an alternate path to focus on…slowly, the pain starts to ease as your focus on him eases…and this is possible only if you willfully choose to ease the pain for yourself.

Your life, your choice…so, be kind on yourself and choose what’s best for your mind and you.

Best wishes!

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Anu

Anu Krishna  |823 Answers  |Ask -

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

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Relationship
Off late i mate ex flame of mind. Due to some reason or other, we did not get married. Both of us have abusive partners. We are suffering a lot in our respective marriages. Shall we continue our friendship? We find lot of peace in talking with each other.
Ans: Dear Saibal,
Obviously after meeting after ages, the spark will be rekindled and your existing lives with your spouses are not going to look any great.
Ask yourself:
What will I risk by indulging into a connection outside of marriage?
How much of a connection do I want to have with my ex-flame?
Will I be able to keep to only a friendship?
Will my ex-flame also be able to draw the line where and when necessary?
Are we both going to be able to be mature about this and strictly maintain a connection that is healthy?

Also, it's okay to find peace by talking to one another; but don't get dependent on it. Find a way to seek that within relationships that are for keeps...otherwise, the focus will shift to maintaining the relationship outside of marriage and there will be less attention on the marriage. Then sooner than later, you will both find your marriage even more dull and boring.
I do not understand what you mean by 'abusive' partners as you have not provided enough data for me on this to use in my response to you...
Also, I am unaware if there are children involved in this equation on both sides...If YES, tread carefully as you do not want to be rocking the boat on that one...Children getting impacted at whatever age can be very tedious on them!

Bottom line: if both of you are mature about this friendship and not use each other as emotional crutches, then you know you are in the right place. Growing in any relationship and providing the space for the other to grow is a pillar that you should work on. Now you know, what you are looking at, right?

All the best!
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Sushil

Sushil Sukhwani  |322 Answers  |Ask -

Study Abroad Expert - Answered on Apr 26, 2024

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Career
Sir, my daughter is going to finish her BA with Psychology Honours from Indraprastha College for Women, Delhi University. She has received an offer to pursue her MSC in Organizational Psychology from University of Manchester, UK. We would like to know more about the future prospects of this course and the employability. Also, we would like to know how different it is from an MBA in Human Resources?
Ans: Hello Rohit,

To begin with, thank you for contacting us. I am glad to hear that your daughter is going to complete her Bachelor of Arts (BA) with Psychology Honours and has received an offer to pursue her Master of Science (MSc) in Organizational Psychology from the University of Manchester in the UK. To answer your question first, I would like to tell you that your daughter will be offered a solid basis in understanding human behavior in the workplace as well as real-world abilities in fields viz., talent management, employee evaluation, and organizational development through pursuing a Master of Science in Organizational Psychology from the University of Manchester. Students pursuing this degree are provided with the information and skills required to tackle different difficulties that organizations encounter, viz., leadership effectiveness, employee motivation, and team dynamics.

Concerning your query regarding the future prospects and employability, I would like to tell you that with businesses recognizing the significance of comprehending and maximizing their manpower, the demand for organizational psychology continues to rise. You would be glad to know that your daughter can choose from many different jobs including talent management, training and development, human resources, organizational consulting, and other positions with this degree. Remember that organizational pyschologists are respected for their ability to use psychological principles to enhance productivity in the workplace, employee satisfaction, and efficiency of the organization.

Next, coming to your query as to how this course is different from an MBA in Human Resources, I would like to let you know that an MSc in Organizational Psychology in comparison to an MBA in Human Resources generally places a greater emphasis on the psychological facets of the behavior and growth of organizations. Although topics associated with managing people within organizations is also covered in an MBA in Human Resources, it frequently adopts a more comprehensive corporate viewpoint encompassing fields viz., strategy, marketing, and finance.

I would like to tell you that your daughter's interests and professional objectives play a key role in deciding between an MSc in Organizational Psychology and an MBA in Human Resources. An MSc in Organizational Psychology would be a better choice if your daughter is interested in studying human behavior in the workplace and wishes to gain expertise in fields viz., leadership development, employee well-being, and organizational culture. On the contrary, if your daughter wants to acquire a deeper understanding of business management with a concentration on Human Resources (HR), and aspires to work in more general management positions within organizations, then an MBA in Human Resources may be an appropriate choice.

Remember that both paths can result in lucrative employment prospects. When making an informed choice, I would suggest that your daughter carefully takes into account her strengths, personal interests, and future professional objectives. Moreover, in order to acquire valuable information pertaining to the prospects following the completion of either degree, I would recommend that your daughter conducts a comprehensive study on particular labor markets as well as gets in touch with experts of both the domains.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |322 Answers  |Ask -

Study Abroad Expert - Answered on Apr 26, 2024

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Career
Dear Sushil, My daughter is 23 years old , finished her MBA from KIMS and got a job in Kirloskar Pune as a HR BP ( Management Trainee)in Jan 2024. Her results were good throughout. Topped 12 from Aditya, BSc Botany from Lady Brabourne kolkata ( 1st class first). Sir, we can't manage funds for going to abroad. Kindly guide us about her next step so that her career escalates. Sanchita
Ans: Hello Sanchita. Thank you for connecting with us. Congratulations to your daughter on her academic achievements and securing a position as an HR business partner (management trainee) at Kirloskar Pune. It is evident that she has a strong academic background, leading to promising career prospects ahead. It is understandable that there are financial constraints at the moment. Furthermore, let me tell you that there are educational loans that would be available for your daughter’s education abroad. Given your daughter’s excellent academic background, she can be eligible for scholarships and financial aid, either fully or partially. This would help your daughter manage her finances well abroad.There are some universities that come with financial aid packages like grants, loans, and work opportunities. This is specially designed to cover tuition fees, living expenses, etc. In addition to this, there are work opportunities as well, which would also be a good option for your daughter. By carefully planning and prioritising expenses, financial challenges won’t be an issue.

All the best to your daughter in her future endeavours.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

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Money
Sir my age is 25 and I am earning 29000 per month.i am in govt sector.i am investing 20000 per month in sip in the following funds Motilal Oswal midcap fund 3000 HDFC s&p sensex index fund 4000 Motilal Oswal Nasdaq ETF 3000 Axis small cap fund 2000 Nippon India small cap fund 2000 ICICI prudential nifty 50 ETF 2000 US S&P 500 SPDR ETF 4000 And lastly 1000 in bitcoin but that I don't count because it's very risky and I may lose my money in bitcoin so I consider 20000 as my sip amount instead of 21000....sir kindly check my sip distribution if needed any changes..I will stay invested in market for 20 years and I want my wealth to grow so that I can retire at 45.. kindly provide me your valuable suggestions
Ans: Your commitment to investing at such a young age is commendable and lays a strong foundation for your future financial security. Let's review your SIP distribution to ensure it aligns with your goal of retiring at 45 and maximizing wealth growth over 20 years.

Your current SIP allocation demonstrates a diversified approach, spanning various sectors and geographies. However, given your long investment horizon and goal of wealth accumulation, it's essential to consider a few aspects:

Risk Tolerance: While your portfolio includes both domestic and international equity exposure, it's important to assess your risk tolerance. Small-cap and mid-cap funds tend to be more volatile but offer higher growth potential over the long term. Ensure you're comfortable with the level of risk associated with these investments.
Asset Allocation: Evaluate your asset allocation to ensure it reflects your risk appetite and investment goals. Consider allocating a portion of your portfolio to more stable assets like large-cap funds or debt instruments to balance risk and potential returns.
Review Periodically: As your financial circumstances and market conditions evolve, periodically review your SIP distribution to ensure it remains aligned with your goals. Rebalancing your portfolio may be necessary to maintain diversification and optimize returns.
Emergency Fund: Building an emergency fund equivalent to 3-6 months' worth of expenses is crucial to mitigate financial risks and ensure stability during unforeseen circumstances.
Regarding your Bitcoin investment, it's advisable to exercise caution due to its speculative nature and lack of proven track record. Cryptocurrencies are inherently risky and have not stood the test of time like traditional investment options. Consider focusing on more established and less volatile investment avenues for long-term wealth accumulation.
As a Certified Financial Planner, I advise you to consult with a financial advisor who can provide personalized guidance tailored to your specific financial situation and goals. Together, we can refine your investment strategy to optimize growth and set you on the path to achieving your retirement objectives.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
I am 53 years old. I have fd of 20 lakh, pf of 15 lakhs, ppf of 15 lakhs, stock of 55 lakh, mf of 50 lakh. I invest in 5 lakh yearly in a ulip scheme, 3 lakh yearly in lic pension fund and do sip of 35000 across different mf. Am i retirement ready? I am a single person. I have no dependents. After retirement i will need sbout 80000 pm and will need 7 lakh per year for travelling.please advise
Ans: Given your diversified investment portfolio and diligent savings habits, you're certainly on the right track towards a comfortable retirement. However, let's delve deeper into your financial landscape to assess your readiness.

Your FDs, PF, PPF, stocks, and mutual funds collectively form a robust foundation for retirement. Your annual contributions to ULIP and LIC pension fund further bolster your retirement corpus. However, to ensure your desired lifestyle post-retirement, it's crucial to evaluate if your current investments align with your retirement income needs.

Considering your annual expenses post-retirement, including living expenses and travel aspirations, it's prudent to analyze if your existing investments can generate sufficient income. Additionally, factoring in inflation and potential healthcare expenses is paramount.

As a single individual with no dependents, your retirement planning focuses solely on your own needs and aspirations. While your investment portfolio appears substantial, a detailed retirement income projection would provide clarity on whether it adequately meets your desired lifestyle post-retirement.

As a Certified Financial Planner, I recommend conducting a comprehensive retirement planning analysis to ensure your financial goals are met with confidence and peace of mind. Together, let's fine-tune your retirement strategy to ensure a fulfilling and financially secure future.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.
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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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