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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Nov 02, 2023

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Shaikh Question by Shaikh on Oct 30, 2023Hindi
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Career

Hello Sir, I served as an assistant professor for 2 years and also worked as a free lancer trainer for 2 years. Now I am full time technical trainer for almost 3 years. Teaching being my passion I am enjoying my journey. I am earning well too but I am not satisfied (Not because of money) but I want use my skills and passion for the underprivileged students and motivate them to gain the quality education and I genuinely want to make a difference in our society by providing affordable education to the youths. I am cleared with the vision and I have the expertise in the I.T training domain. So I want start my own Institute and offer the high end courses at affordable cost. I am not sure how it will work, Not sure whether it’s a right decision in terms of financial planning too. But I genuinely want to help people by using my skills for students not for corporate people. Please guide

Ans: Dear Shaikh,
I understand that you have a passion for teaching under privileged children. This is a very good thing to do.
I would suggest to continue with your current profession and use your spare time for teaching the under privileged children. You must take care of your financial securities as there would be no one to help you at times of financial crisis.
Career

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Nayagam P

Nayagam P P  |4026 Answers  |Ask -

Career Counsellor - Answered on Oct 21, 2024

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I am 21 yrs old I've done 3 long terms in Neet I've no degree I've idea to run a institute Iam willing to start my own coaching Institute did my age and experience restricts me?
Ans: Subramanyam,

The response is negative. Starting a NEET Coaching Centre is not contingent upon your age or experience.

Nevertheless, it is imperative to possess a significant amount of fortitude, and the following are some fundamental requirements that must be met prior to the establishment of a successful NEET coaching center:

1) To gain a comprehensive understanding of the NEET Exam, it is recommended that you review the Information Bulletin of NEET 2024. It is important to mention that the majority of parents and students are unaware of the process by which the merit list for NEET is generated and the corresponding rank is assigned. In addition, Coaching Centre does not disclose this information to parents and students even prior to the commencement of the course. 2) You will be required to conduct a market analysis and research on the demand for NEET coaching in the location where you intend to establish your center. 3) Be aware of the fee structure and the availability of Coaching Centres / Private Tutors in the area. 3) Your Business Plan for the Coaching Centre, including the objectives, target students, revenue models, growth strategies, salaries of faculty members, study materials, setup costs, ongoing monthly costs, and revenue models (e.g., will you provide varying packages for courses of varying levels?).
4) Infrastructure and location are additional critical factors to evaluate. It is recommended that you select a location that is in close proximity to residential areas or schools. Alternatively, you may establish a partnership with a school to provide NEET coaching. The students should have access to fundamental amenities at your coaching center. 5) License and Legal Compliance. In addition to Business/Tax Registration, it is advisable to comply with local regulations that govern the operation of coaching centers. This may necessitate adhering to specific regulations regarding safety, the number of students, and building codes.
6) In order to guarantee the quality of instruction, it is essential to design the finest curriculum materials/test papers and maintain a low student-to-faculty ratio at a coaching center. 7) The popularity of your center among the parents/students in your area will be further enhanced by the marketing and branding efforts of your center, which include the use of social media marketing (Instagram, Facebook, LinkedIn, and YouTube) and referral programs. 8) The most critical aspect of operating a coaching center is the recruitment of qualified and experienced faculty. 9) Your coaching center should add value by incorporating teaching methodologies that include personalized attention, regular assessments, doubt clearing sessions, and motivational sessions for the students. 10) Additionally, student support and counseling should be ongoing.

MOST IMPORTANT: When marketing or advertising your coaching center, emphasize the 'BENEFITS' of joining it rather than the 'FEATURES'. Prospective customers are preoccupied with the BENEFITS they will derive from any product or service.

All the BEST for Your Prosperous Future.

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Kanchan

Kanchan Rai  |469 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 05, 2025

Asked by Anonymous - Jan 05, 2025Hindi
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Relationship
How to overcome from past memories
Ans: Healing from painful past memories is an intimate and deeply emotional journey. It’s not just about forgetting what happened but learning to carry those experiences in a way that doesn’t weigh you down.

Start by honoring your feelings. These memories are a part of your story, and the emotions tied to them are valid. Allow yourself to sit with the pain, the sadness, or even the anger, without rushing to push it away. Sometimes, simply acknowledging the hurt can bring a sense of release.

Mindfulness can be a gentle companion in this process. When the past pulls you back, focus on the present moment. Notice the feel of your breath, the warmth of the sun, or the grounding sensation of your feet on the floor. These small acts remind you that you are here, now, safe and capable of healing.

Embrace self-compassion. Speak to yourself as you would to a dear friend. Remind yourself that it’s okay to have scars and that healing takes time. You don’t have to be perfect or have it all figured out. It’s enough to take one step at a time.

Sometimes, letting go means forgiving—not just others, but yourself too. Forgiveness doesn’t mean forgetting or condoning what happened. It’s about freeing yourself from the chains of resentment and allowing space for peace and growth.

Surround yourself with warmth and support. Lean on those who uplift you, who remind you of your strength, and who offer you love without judgment. These connections can be a soothing balm for the soul.

Lastly, be patient with yourself. Healing is not linear, and it’s okay to have days when the past feels heavy again. Trust in your resilience and know that each day, you are growing stronger, finding new ways to hold your memories with tenderness rather than pain. You are worthy of peace, love, and joy in your present and future.

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Kanchan

Kanchan Rai  |469 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 05, 2025

Asked by Anonymous - Jan 02, 2025Hindi
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Two years ago, I met someone, at a workplace inclusion workshop in Mumbai. He identified himself as a transgender man, We clicked instantly, and our friendship turned into a romantic relationship over time. He is incredibly supportive, kind, and ambitious. I admire him deeply because he has faced many struggles to be where he is today. My parents found out about him recently, and the backlash has been immense. They’ve threatened to disown me, saying I’m bringing shame to the family. They’re pushing me to break up with him and marry someone 'normal.' The societal pressure, whispers from neighbours, and even judgment from some colleagues are making things unbearable. I love him but I also feel torn between my family, cultural expectations, and my happiness. What should I do?
Ans: First, it's important to acknowledge your feelings of being torn. This is a natural response to the competing demands of love, family loyalty, and cultural expectations. Allow yourself to feel these emotions without judgment; they are valid and understandable.

Next, consider the core values and priorities in your life. What kind of life do you envision for yourself? What role do love, authenticity, and personal happiness play in that vision? Reflecting on these questions can help clarify your path forward.

Communication with your family is crucial, though it may be difficult. Express your feelings, the depth of your love for your partner, and the happiness he brings into your life. It might not change their perspective immediately, but it's important for them to hear your truth. Seek moments of calm and understanding, and try to create a space for dialogue rather than confrontation.

It’s also essential to build a support system beyond your family. Surround yourself with friends, mentors, or support groups who understand and affirm your relationship. This community can provide emotional strength and perspective, reminding you that you are not alone in facing these challenges.

Lastly, prioritize your emotional well-being. Engage in activities that bring you peace and joy, whether it's spending time with supportive friends, pursuing hobbies, or even seeking professional counseling. A therapist or coach can offer a safe space to explore your feelings and help you develop strategies to navigate this complex situation.

Remember, the decision about how to proceed must ultimately align with what brings you the most peace and fulfillment. Balancing love and family expectations is difficult, but staying true to yourself and your values is essential for long-term happiness.

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Ramalingam

Ramalingam Kalirajan  |7438 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 05, 2025

Money
Hello Sir, I am 44 years old man. I want to start SIP for my children, 6.5 years old daughter and 2.5 years old son. The objective is to secure their future and the funds can be used when they want to go for graduation/higher studies. I have shortlisted the following funds, please let me know if you recommend any changes. Thank you! 1-UTI Nifty50 Index Direct: Rs.2000 2-ICICI Prudential Nifty Next 50 Index Fund: Rs.2000 3-Canara Robeco Bluechip Equity Fund: Rs.2000 4-ICICI Prudential Value Discovery Fund: Rs.3000 5-Parag Parikh Flexi Cap Fund: Rs.2000 6-ICICI Prudential Equity & Debt Fund: Rs.3000 7-Quant Active Find: Rs.3000 8-SBI Contra Fund: Rs.3000 9-Nippon India small cap fund: Rs.3000 10-Nippon India ETF Gold BeES: Rs.2000
Ans: Creating a portfolio for your children’s future is a thoughtful and responsible step. Ensuring the right mix of funds can maximise returns, manage risks, and help achieve your financial goals effectively. Below is an evaluation of your selected portfolio, along with recommendations to streamline and optimise it.

Evaluating Your Portfolio
1. Too Many Funds
You have selected 10 funds, which might lead to over-diversification.
Over-diversification can dilute returns and make tracking difficult.
2. Balanced Allocation Missing
There’s a heavy tilt towards equity with insufficient diversification across asset classes.
Adding a debt component can provide stability and reduce volatility.
3. Index Funds
UTI Nifty50 Index Fund and ICICI Prudential Nifty Next 50 Index Fund:
Index funds lack flexibility and cannot outperform during bear markets.
Actively managed funds might be better for your long-term goals.
4. Mid-Cap and Small-Cap Exposure
Nippon India Small Cap Fund:
High risk but high return potential.
Retain for diversification but limit exposure to 10%-15% of your total investments.
5. Thematic and Contra Funds
SBI Contra Fund and Quant Active Fund:
Thematic and contra funds have niche strategies, making them riskier.
Retain only one if aligned with your risk appetite.
6. Gold ETF
Nippon India ETF Gold BeES:
Adds diversification and inflation protection.
However, limit allocation to 5%-10% of your portfolio.
Recommended Portfolio for Your Goals
1. Core Equity Allocation (60%-70%)
Focus on funds that provide long-term stability and growth.

Large-Cap Funds: Replace index funds with actively managed large-cap funds for better returns.
Flexi-Cap Funds: Retain Parag Parikh Flexi Cap Fund for its global diversification and balanced approach.
Mid-Cap and Small-Cap Funds: Retain one small-cap fund (Nippon India Small Cap Fund) for growth potential.
2. Hybrid Funds (20%-25%)
Include hybrid funds to balance equity and debt.

Retain ICICI Prudential Equity & Debt Fund for stability and moderate returns.
3. Gold (5%-10%)
Continue investing in Nippon India ETF Gold BeES for diversification.

Proposed Allocation
To streamline your portfolio, allocate investments more strategically:

Large-Cap Equity Fund: Invest Rs. 4,000 monthly in a strong actively managed large-cap fund like Canara Robeco Bluechip Equity Fund. Large-cap funds provide stability and consistent growth for long-term goals.

Flexi-Cap Fund: Continue investing Rs. 4,000 monthly in Parag Parikh Flexi Cap Fund. This fund offers global diversification and a balanced approach to equity exposure.

Small-Cap Fund: Retain Nippon India Small Cap Fund and allocate Rs. 3,000 monthly. Small-cap funds add high-growth potential but keep the exposure minimal to manage risk.

Hybrid Fund: Allocate Rs. 5,000 monthly to ICICI Prudential Equity & Debt Fund. This hybrid fund balances equity and debt exposure, providing stability with moderate growth.

Gold ETF: Continue Rs. 2,000 monthly in Nippon India ETF Gold BeES. Gold adds a hedge against inflation and enhances portfolio diversification.

Additional Recommendations
1. Debt Component for Stability
Consider short-term debt funds or liquid funds for low-risk capital appreciation.
These can be used for nearer-term educational needs like school fees.
2. Gradual SIP Increases
Increase SIPs by 10%-15% annually as your income grows.
This ensures your investments grow in tandem with inflation.
3. Portfolio Review and Rebalancing
Review your portfolio annually to evaluate performance.
Rebalance if any fund consistently underperforms for over 2-3 years.
4. Tax Planning
Retain an ELSS tax-saving fund to maximise tax benefits under Section 80C.
Final Insights
Your disciplined approach to securing your children's education is commendable. This revised portfolio offers a balanced mix of growth and stability. It ensures you can meet future education milestones confidently. Stay consistent, increase contributions periodically, and monitor performance regularly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7438 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 05, 2025

Asked by Anonymous - Jan 04, 2025Hindi
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Money
I have 60 lakhs inr as retirement money.Where to invest to generate an income of 40000-50000 plus appreciate the capital and im what ratio to invest to save the capital in case of a rainy day?
Ans: To generate a monthly income of Rs. 40,000 to Rs. 50,000 while preserving and appreciating your retirement corpus of Rs. 60 lakhs, it is crucial to follow a balanced and diversified investment strategy. Here's a comprehensive plan that balances income generation, capital appreciation, and safety for rainy-day needs:

Investment Allocation for Income and Capital Growth
1. Fixed Income Instruments (30%-40%)
Objective: Stable monthly income and capital protection.

Options:

Senior Citizen Savings Scheme (SCSS): If you are 60+, invest up to Rs. 30 lakhs for quarterly payouts.
Post Office Monthly Income Scheme (POMIS): Offers reliable monthly income with low risk.
Bank Fixed Deposits (FD): Choose deposits with monthly interest payouts for stable cash flow.
Debt Mutual Funds: Consider high-quality short-term or dynamic bond funds for better tax efficiency and returns.
Approximate Allocation: Rs. 20-25 lakhs.

2. Equity Mutual Funds (40%-50%)
Objective: Long-term capital appreciation to counter inflation.

Options:

Balanced Advantage Funds (BAFs): Dynamically allocate between equity and debt for moderate risk.
Large Cap Funds: Focus on blue-chip companies for stability.
Multi-Cap Funds: Provide diversified exposure to large, mid, and small caps.
Approach: Start a Systematic Withdrawal Plan (SWP) from equity funds after 3 years for tax-efficient income.

Approximate Allocation: Rs. 25-30 lakhs.

3. Emergency Fund (10%-15%)
Objective: Cover unforeseen expenses or emergencies.

Options:

Keep 6-12 months’ expenses in liquid funds or high-interest savings accounts.
Use short-term FDs or sweep accounts for easy access to funds.
Approximate Allocation: Rs. 6-9 lakhs.

4. Alternative Investment (Optional - 5%-10%)
Objective: Enhance portfolio diversification.

Options:

Gold ETFs/Sovereign Gold Bonds: Hedge against inflation and economic uncertainty.
Corporate Bonds or Non-Convertible Debentures (NCDs): Ensure AAA-rated for safety.
Approximate Allocation: Rs. 3-5 lakhs.

Monthly Income Strategy
Fixed Income Source: Use interest from SCSS, POMIS, and FDs for regular monthly cash flow.
Equity SWP: Start withdrawing Rs. 15,000-20,000 monthly after 3 years. This ensures tax efficiency and steady income.
Rainy-Day Protection
Maintain a liquid fund with Rs. 6-9 lakhs for quick access during emergencies.

Avoid locking too much in illiquid instruments like long-term FDs or property.

Points to Remember
Rebalance Annually: Review and adjust allocation to align with market conditions.
Tax Efficiency: Debt instruments like SCSS and POMIS are taxable. Equity funds offer LTCG tax benefits.
Inflation Adjustment: Reinvest surplus income to ensure your corpus grows with inflation.
Final Insights
A balanced mix of fixed income and equity can provide regular income and capital growth. Prioritise liquidity for emergencies while optimising tax efficiency. This approach ensures financial independence throughout retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Milind

Milind Vadjikar  |833 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 05, 2025

Asked by Anonymous - Jan 04, 2025Hindi
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Pushpa

Pushpa R  |39 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Jan 05, 2025

Asked by Anonymous - Nov 13, 2024Hindi
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Health
Hi Namita ji! I am a 41 yr old Male. I have always have too much of gas and keep passing odourless gas a lot through out the day. I have recently being diagnosed with early stages of ankylosing spondylitis. Please guide me. Also, is there any home medicines that I can take to relive from the gas.
Ans: Excessive gas can be caused by multiple factors, such as diet, gut health, or lifestyle habits. Since you've been diagnosed with ankylosing spondylitis, inflammation might also be contributing to gut issues. Here are some tips to help manage gas and improve digestion:

Yoga Practices:
Pawanmuktasana (Wind-Relieving Pose): This pose helps release trapped gas. Lie on your back, hug your knees to your chest one at a time, and gently press them down toward your abdomen.
Vajrasana (Thunderbolt Pose): Sit on your heels immediately after meals to aid digestion.
Cat-Cow Pose: This gentle movement improves spinal flexibility and stimulates digestive organs.
Home Remedies for Gas:
Ajwain (Carom Seeds) and Black Salt: Mix 1 tsp of ajwain with a pinch of black salt. Consume with warm water.
Fennel Tea: Boil fennel seeds in water, strain, and sip after meals.
Ginger and Lemon: Mix grated ginger with a few drops of lemon juice and chew before meals.
Important Notes:
Avoid gas-triggering foods like beans, carbonated drinks, and fried items.
Maintain a regular meal schedule and eat smaller portions.
Consult a healthcare provider for dietary guidance and a yoga coach for safe practice tailored to ankylosing spondylitis.

Warm Regards,
R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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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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