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Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 30, 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
Rankanidhi Question by Rankanidhi on May 28, 2023Hindi
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Relationship

I am 71 male. About 40 years back when I was not in a permanent job, my boss tried to exploit and black mail me. Had he succeeded, I would have no choice but to commit suicide. Fortunately I survived and prospered in my career. My family life is also happy and my two sons are well placed. However I am unable to forget his treachery. I am always thinking of this incident. Is this a sign that I am having mental disorder for which I need treatment?

Ans: Dear Rankanidhi,
So, are you looking for revenge so that you feel satisfied?
Is it too hard to look at all the good things you have and the love that you are surrounded with?

Yet you choose to talk and live that one incident so much that it is forcing you to overlook even the best things in life. Yes, you are choosing it and you are choosing it for a reason.
Instead, can you dull it out and come into the bright phase that you are in? Cherish all that has happened and live every moment with your friends and family.

Life is how we choose it and we live that reality every moment...So, you don't have a mental disorder, it's just that that one instance (treachery, as you call it), is being allowed by you to have great prominence in your mind and what you allow in your mind will grow.

When the garbage can is overflowing at home, what do you do? Do you throw more and keep it around? Do exactly the same with that 'treachery' episode what you would do with an overflowing garbage can at home.

All the best!

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Relationship
Dear ma'am, I am going through a tough mental state right now. I do not know what state is this. It may be fear, lack of confidence or anything else. On 25th November 2019 I underwent surgery for anal fissure and piles. It took a long time to heal as I was suffering from constipation even after surgery. Every morning i would have a trauma like situation before going to bathroom. My stool would be hard enough to pass with blood both before and after surgery. I generally get nervous after seeing blood. In the meantime surgery has been healed. Even today I have constipation. I suffered from rhinitis like situation after surgery by consuming fruits and curd to make stool soft. feel difficulty in breathing With these medical conditions I developed a mental condition at which i always feel sick myself. No mood or energy to do anything. Fearing for life. When I wake up in midnight it gets very tough again to sleep. I sweat a lot. There is so much negative thought in my mind at night. I feel heavy in my head. I fear every sound I hear which disturbs and terrifies me. I consulted a psychiatrist 7 days ago; he told me that it is fear and lack of confidence. He has given me medicines to overcome fear. Kindly suggest ma'am at which state I am and help me. I am actually obsessed with my health and my life. Every moment I feel I would die. Nervousness grips me. I have lost weight of around 18 kg post surgery.
Ans: Dear BS, I can only imagine what you are going through and I truly hope that you feel better soon.

Fear is what can increase your physical symptoms and you will feel ill. Which is what is happening to you!

All the sounds and thoughts are a result of overworking the mind with your health and fearing the worst.

But do ask yourself: What if I have actually recovered? 

It will be good to know when this problem exactly began; what triggered it. If there is an event or a situation that caused it, then you know you might have to work on that.

Sometimes, fear makes children’s stool hard too and as doctors treat constipation, it is also necessary not to keep being fearful of it.

I know the surgery might have made it worse in the mind which is why I suggest start waking up every morning by believing that your surgery has worked and that you are fully recovered.

The simple belief instilled in your mind can work wonders by positively influencing your body to support your whole health. Also, calm the mind with meditation and exercises to keep the body supple and healthy.

To keep the stools soft, eat a lot of food that high roughage content. Slowly, you will see your mood and energy come back and feel a lot better.

All in all, believe that you are healing. Wishing you a wonderful health.

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Anu

Anu Krishna  |823 Answers  |Ask -

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

Asked by Anonymous - Feb 07, 2023Hindi
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Relationship
i am going through lot of depression and anxiety. It has made me violent. i feel like killing my father . he has done 2nd marriage and has kept no assets/property for me. I am worried someday i will take law in my hand and will be behind bars or may get injured in the fight. I am 41. From last 13 years staying away from family and living on my own. Presently my health is also not well, going through lot of mental and physical illness.after thinking about the future, I think I will be on streets in future and the reason is my *b**as**rd father. Please advise how do i control my anger and depression.
Ans: Dear Anonymous,
Focus on what you can control and manage and in your case, it's your anger.
It is destroying you and eating away your peace of mind.

Can you change the way your father is?
Is he going to transfer his property to you?
Why should he transfer what he has earned to you?
Are you not capable of standing on your feet?
What will you get by taking law in your own hands other than have a case against your name?
What is all this anger costing you healthwise?

You know the answer to each, but this anger and disappointment within is forcing you to blame your father (even if he solely to blame), but when you can;t do anything to change, that's the time to accept, else it has begun to destroy you.

Kindly work with an expert who can help you channel your anger into something more productive and in the meantime, focus on a lot of physical activities that help displace anger. Also spend time in Nature that helps you calm the mind. And yes, seek professional help NOW!
Best wishes!
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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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