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Krishna

Krishna Kumar  |383 Answers  |Ask -

Workplace Expert - Answered on Feb 08, 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
Asked by Anonymous - Sep 14, 2023Hindi
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Career

Hi i have a strong command over written & spoken english & hindi both. I would like to write some stories. Where can i get them published & earn some extra income.

Ans: Hi

You can publish on your own blog site or you can explore platforms like Pratilipi, please do online search to explore more such platforms.

All the best.
Career

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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Mar 12, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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Career
I am interested in doing content writing. I am in my middle age but want to pursue something on my own. Please suggest and help
Ans: Certainly! Content writing is a rewarding field, and it’s never too late to start. Here are some steps and tips to help you embark on your content writing journey:

Read, Read, Read:
Immerse yourself in various types of content. Read articles, blogs, and books across different genres and styles. Pay attention to writing techniques, tone, and structure. Reading helps you learn and stay inspired.
Know What You Want to Write:
Define your interests and niche. What topics resonate with you? Are you passionate about travel, health, technology, or lifestyle? Knowing your focus will guide your content creation.
Write, Write, Write:
Practice is key! Start writing regularly. It’s okay if your initial drafts aren’t perfect. The more you write, the better you’ll become. Experiment with different formats like blog posts, social media content, or product descriptions.
Keep Tone, Voice, and Perspective Consistent:
Develop a consistent writing style. Consider whether you want to sound formal, conversational, or authoritative. Your tone and voice should align with your target audience.
Care About Keywords:
If you’re writing for the web, understanding basic SEO (search engine optimization) is crucial. Research relevant keywords and incorporate them naturally into your content.
Don’t Care Too Much About Keywords:
While keywords matter, don’t sacrifice readability for SEO. Focus on creating valuable content that engages readers. Quality always trumps keyword stuffing.
When In Doubt, Add More Formatting:
Break up long paragraphs, use subheadings, bullet points, and images. Formatting makes your content visually appealing and easier to digest.
Strive to One-Up the Competition:
Research what others are writing about in your niche. Find gaps or areas where you can provide unique insights or a fresh perspective.
Don’t Be Afraid of Tools:
Use tools like grammar checkers, plagiarism detectors, and content management systems. They enhance your writing process and improve quality.
Finish With a Proofread:
Before publishing, proofread your content meticulously. Correct grammar, spelling, and punctuation errors. A polished piece reflects professionalism.
Develop a Style:
Over time, you’ll develop your own writing style. Be authentic, and let your personality shine through your words.
Remember, experience is your best teacher. Start writing, explore different topics, and enjoy the creative process. Best of luck on your content writing journey

..Read more

Archana

Archana Deshpande  |95 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 18, 2024

Asked by Anonymous - Apr 05, 2024Hindi
Career
Hi , I wish to “Write in English” as a Profession , as that happens to be one of my core competency . It gives me a lot of soulful satisfaction & propels me to continue writing further . My Drafting & command over English Writing has been my primary strength right from my schooling days but I committed the mistake of not choosing it as a career . Hence , Post doing my B.E. & M.B.A. , I worked in decent Corporates for 16 Years but went on to quit the last Job in 2021 as I felt stagnant & monotonous doing what I was into . I was immensely appreciated for my e-mail drafts & Write-ups in all the Organisations I worked in but that had no weightage in my KRA . I did pretty well in my professional career with the exception of the last couple of months wherein I felt a bit lost & as a result , was not enjoying my work . I am into my 44th Year & now convinced to follow my dream professionally ( i.e Writing & penning down what comes my way) but am somewhat clueless how to move ahead . I am not there for the in-vogue content writing stuffs , online blogs etc. but want to write on something substantial or small interesting / soothing write-ups that interests a major chunk of the readers . Kindly help me with all the specific / possible options wherein I can directly target , that would probably yield me results ASAP . Please give detailed info with the probable sources to explore-in , as generic one-liners may not help , as I am blank on whom to approach . Looking forward to your much value added counselling & the probable avenues that may break the ice for me . Thanks & Regards !!! Pls. Keep up with the Good-Work you guys are doing with this Q&A Consultancy Guided Section .
Ans: HI!!
The way you have stated your needs so clearly shows that you have good writing skills, so no doubts about your writing skills.

In the message you mentioned that you quit your job in 2021 and yet you say you are not enjoying work since the last couple of months. A little confusion there for me, I am assuming you are still working. You also mention that you did pretty well professionally, this shows a mind that can work well even when it not totally into the work heart and soul. Try to find positive reasons around your work.
You are 44 you said, at this age we all are at loggerheads with what we studied, what we are doing for a living and what we are passionate about! I have been there..

I need to say a little about myself in order to answer your question. I am an Engineer too, today I am Image Consultant and a Soft Skills Trainer. I used to work with one of the top telecom companies, my Mentor there used to say an Engineer can do anything and me and you are proving that. You are a BE, MBA and you have exceptional writing skills.

As a public speaking skills coach I used to write speeches for clients and help them deliver with panache. One of my long standing clients said no to the classes after I increased the fees. Where did she get her strength from to say no?....AI and Chatgpt, even though she always said it doesn't have the AD (Archana Deshpande) effect!! Why I am mentioning such a personal incident is to help you understand the scenario today.
You want to write good stuff and earn money too, rt? You don't want that typical content writer kind of jobs... so what I suggest is that since a BE MBA is a deadly combo and you are an intelligent man, pls continue to use these to earn money. I want you to google, "platforms for writers to make money" and check all your options, for sometime write and publish on various platforms, send it to various newspapers, see how people respond to you. I know your joy comes from writing so go for it on a day to day basis, schedule it everyday. When you continue to do tasks that bring you joy, your doing all the things that are compulsory becomes easy( like going to office). Test the waters before you quit your well paying job( and yourself mentioned you are doing pretty well). Plan to write a book on a subject that comes easily to you or a book of short stories around your experiences. Today Mrs Sudha Murthy is a celebrated writer, look at her journey as writer, it didn't happen overnight. There is no ASAP here. You want to become a writer professionally, take it slow, start writing, start publishing you work, gauge the readers reaction, keep writing, keep reinventing, it's a creative process, let it flow through you without the stress of earning money through it.... it's joy for you to write, let it remain so!! Create a beautiful space at home to allow the creative juices to flow, continue to write everyday. Apart form writing, check what else brings you joy, on a day to day basis consciously spend time doing things that bring you joy. Enthusiasm/energy for life comes from your joy list. I am listing so many things because you mentioned you are not enjoying your job. I want you to arrive at a place where you enjoy your job( it pays your bills and takes care of your family) and continue to work on stuff you are passionate about. It can be done by living a little consciously and joyously, a little shift in the mindset can do wonders!!
All the very best!!

..Read more

Archana

Archana Deshpande  |95 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Jul 17, 2024

Asked by Anonymous - Apr 13, 2024Hindi
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Career
Hi Maam , I wish to “Write my heart-out in English” as a Profession , as that happens to be one of my core competency . It gives me a lot of soulful satisfaction & propels me to continue writing further . My Drafting & command over English Writing has been my primary strength right from my schooling days but I committed the mistake of not choosing it as a career . Hence , Post doing my B.Tech. & M.B.A. , I worked in decent Corporates for 16 Years but went on to quit my last Job in 2021 as I felt stagnant & monotonous doing what I was into . That was the most risk-laden call I made in my life , but I had to as I was no more enjoying it . I was immensely appreciated for my e-mail drafts & Write-ups in all the past Organisations I worked in but that had no weightage in my KRA . I did pretty well in my professional career with the exception of the last couple of months wherein I felt a bit lost & as a result , decided to move out of it . I am into my 44th Year & now convinced to follow my dream professionally ( i.e Writing & penning down what comes my way) but am somewhat clueless how to move ahead . I am not there for the in-vogue content writing stuffs , online blogs etc. but want to write on something substantial or small interesting / soothing write-ups that wins the heart of the readers . Kindly help me with all the specific / possible options wherein I can directly target , that would probably fetch me results ASAP . Please give all the detailed info of the sources which can be explored . Generic one-liners may not help , as I am too blank & am in a fix on whom to approach . Trying my best to persevere & being resilient but probably lacking pro-activeness which is the key requisite in the current times . Looking forward to your much value added counselling & the probable avenues that may break the ice for me ... Thanks & Regards !!! Pls. Keep up with the Good-Work that is being done with all your expert advices in this Q&A Guided Consultancy Section .
Ans: Hi!!

This question was answered long long..
Here's the link - https://gurus.rediff.com/question/qdtl/career/wish-ldquo-write-english-rdquo-profession-happens-core-competency-gives/5151512

All the best!

..Read more

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Asked by Anonymous - Jan 17, 2025Hindi
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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

Additionally, you might want to explore couples counseling. This can help both of you navigate this situation together, rebuild trust, and strengthen your relationship. Remember, your goal is to maintain a loving and supportive partnership, and professional guidance can be instrumental in achieving that.

Your love for your wife and your desire to keep the relationship strong is evident. By addressing these feelings head-on and seeking support, you can move towards healing and maintaining the bond you cherish.

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Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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Money
I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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