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Krishna

Krishna Kumar  |397 Answers  |Ask -

Workplace Expert - Answered on Jun 04, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more
Arti Question by Arti on Jun 04, 2024Hindi
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Career

Respected sir I m 35 year. I m computer teacher in private school. Salerry very few 5000 only. I have a daughter her 4 year old .Now my family economic conditions is not good. My hasband well qualified. His education M.com but he has jobless. Please ask what can I do. Now we get into debts.

Ans: Hello Maam

I can understand your situation, please keep the spirit highs.

Here are some options:

- Start as office admin in some company
- Learn Accounting package like Tally and seek job with CA firm
- Take Tutions for kids
- Explore teacher assistant in MBA college as free lancer

Search free lancing job opportunities. All the best.
Asked on - Jun 05, 2024 | Not Answered yet
Thanks u sir for suggestions me if u know any website of freelancing so send link me

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Ramalingam

Ramalingam Kalirajan  |8058 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Money
Hi mam namaste my name karthikeyan from ariyalur district tamilnadu i need your help i m middle class family i need your help i want 25000lakhs money because loan problem I m married one boy baby is tgere mam very difficult running my family please kindly help i m returns give your money in 2years mam Please mam
Ans: Namaste Karthikeyan,

I understand the challenges you're facing, and I commend you for reaching out for help. In times of difficulty, it's important to remember that every setback is an opportunity for growth and learning. Let's explore how you can overcome this obstacle and create a brighter future for yourself and your family.

Firstly, it's crucial to adopt a positive mindset and believe in your ability to overcome this challenge. Remember, "Whatever the mind can conceive and believe, it can achieve." This famous quote by Napoleon Hill highlights the power of positive thinking and determination in achieving our goals.

Now, let's focus on practical steps you can take to address your financial difficulties. Start by creating a clear plan to manage your finances more effectively. Track your expenses, identify areas where you can cut costs, and prioritize your spending to ensure your family's needs are met.

Next, explore opportunities to increase your income. Whether it's through additional work, freelancing, or starting a small business, there are always avenues to generate extra income. Remember, "Opportunities are all around us if we have the courage to seize them."

Additionally, consider seeking financial assistance or guidance from local government schemes, NGOs, or community organizations. Don't hesitate to reach out for support when needed. Remember, "Strength and growth come only through continuous effort and struggle."

Lastly, stay committed to your goals and persevere through any challenges that come your way. With determination and resilience, you can overcome this temporary setback and emerge stronger than ever before. Remember, "The starting point of all achievement is desire."

In conclusion, Karthikeyan, I encourage you to stay positive, take proactive steps to improve your financial situation, and never lose sight of your dreams. With patience, perseverance, and a positive mindset, you can overcome any obstacle and create a better future for yourself and your family.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Feb 10, 2025Hindi
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Money
I am 27 years old as of now, earning 9 lac lpa . I live with my parents and my workplace is near my home just 7 kms away. I have started investing 30000 per month in Mutual funds, 40 percent in large cap 30 percent in mid cap 30 percent in small cap. Apart from this for liquidity purposes u have 2 recurring deposits of 10000 and rs 5000 each. 500 So my total monthly savings are 45k The sip amount of 30000 is something that will keep om increasing by 10-15 percent every year. I plan on creating corpus of 1 CR in next 10 years at an expected CAGR of 12 percent . Currently im a Batchelor with no expenses . (As my dad is a business man and a pensioner too being an ex service man from defense sector. Moreover my mother is govt teacher so she also has her finances sorted out. Any advice on this financial plan? I plan on owning a housing at nearly 40 years of age. Also i plan on leaving my job in 30s creating a passive income source and maybe helping my dad in his business or running my own business. I want to work at my own will and be my own boss so that i can work stress free and have sufficient time for my family and also my passions such as travelling the world.
Ans: Hello;

You may hold ~10% of your portfolio in the form of gold fund/ETFs for diversification and risk mitigation.

Also do annual review of your funds vis-a-vis category average and benchmark for risks and returns.

Buy an adequate term life insurance cover for yourself.

Rest looks quite good.

Ensure steady passive income source and own house before you get into business.

All the best for your business endeavours.

Best wishes;

...Read more

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