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Ramalingam

Ramalingam Kalirajan  |6861 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
PRANJIT Question by PRANJIT on Jun 26, 2024Hindi
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Career

Thank you sir for your kind advice, will surely try to follow up the advice

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Career

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I am a Good Looking guy aged 32 , Government Officer and I do own my own consultancy firm and an Wildlife conservation NGO. I am into Music field as a singer and instrumentalist since 17 years. However I am unable to find a right life partner. Most of them reject as I am not ready to move to Bangalore. Basically I am from Mysore and work in Coorg. I live with mom and we are Brahmin family with moderate values and respect towards our culture and not orthodox. Now I am not ready for intercaste marriage. I dont have any compulsions like working girl or not working girl. I need only a girl who is beautiful , caring and loving. She should understand her responsibilities. I think I deserve such life partner. What to do ? How can I make any match.
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You can try asking close friends and family members to set you up with someone compatible. If you want more control over this, try a matchmaking and dating app. A little research and you will find the right apps, ideally, the ones that cater to serious daters who are looking to get married. Once you find that, update your profile with a recent picture; write your qualifications in the BIO to impress your matches, and mention exactly what you expect from your match- good looks, caring, loving, and responsible- this would help you attract the right people and save you time and energy from chatting up the wrong matches that will go nowhere. These platforms are perfect for finding a compatible partner because you can, quite literally, filter through tons of people and find the one that suits you best.

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Me and my long distance boyfriend has been together for 9 years. We been together through toughest of time and been there for each other no matter what. We have been planning our future together for years ans had all plans to start our life together. Things were little tough when he moved abroad for studies 2.5 years ago but we kept putting our best efforts to be together, spend time and communicate. For past 6 months we’ve been fighting a lot, mainly because he kept asking me to come visit him. To solidify things more we started telling our parents about us and our plans. But recently he came to India for few weeks and while going through his phone for something, I found out he has been cheating on me for few months with someone I thought was his friend over there. Though I'm extremely hurt and feel betrayed, I’m unable to let go of him and of the thought that may be if we put in work, we can recover and come out stronger. But I’m just too emotional to know if I should take that risk of even considering a “maybe” for me and him. Needless to say I still love him a lot because I can’t switch off the feeling suddenly. I can’t get the chats and image of him being with someone for months out of my head. He keeps telling me she means nothing and it was out of loneliness but I don’t have the heart to believe anything he says. I just wanted to know if there is anything that can be done before giving up.
Ans: Dear Anonymous,
I understand that you are in a lot of pain and indeed, cheating is unforgivable. You have been together for a long time and it is only natural that this betrayal would hurt you a lot. His reason for getting involved with another person, though there might be some truth to it, is still completely inexcusable. But, if you are still willing to give it another shot, the relationship has to start with a clean slate. More often than not, couples who want to make it work even after a case of infidelity in someone's part, cannot let go of that part. Though understandable, it isn't healthy and it inevitably leads to a breakup, an even bitter one than expected. So, discuss the event with your partner; let him know that you have not forgiven him yet but for the sake of the length of this relationship, you are willing to try and sort things out. If it was indeed out of loneliness, focus on that first. Effort has to be from both sides, though his a little more than yours. But if, at any time, you feel that you do not want to do this, you can reconsider. Trust, once broken, takes some time to heal. Give yourself that time and space. Don't jump into the relationship again- if it's meant to be, it will wait.

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Asked by Anonymous - Oct 23, 2024Hindi
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Hello Sir/Madam, My son is in 10th standard and interested in Geography. He wants to make a career in Geography. Please advise what are the different career options if he wishes to pursue in this field, especially Geoinformatics. Thanks in advance.
Ans: Here are some suggestions for your Son who is interested in building a career in Geography.

Academic Pathways: 11th & 12th Grade: Geography and Science subjects can be combined. Undergraduate Studies: B.A./B.Sc. in Geography or B.Sc. in Geoinformatics are ideal. Postgraduate Studies: M.Sc. in Geoinformatics, Remote Sensing, or GIS.

Career Options:
(1) Geoinformatics and GIS Specialist: Manage and analyze spatial data for urban planning, agriculture, environment conservation, and disaster management.
(2) Cartographer: Create digital maps and models using satellite data.
(3) Remote Sensing Analyst: Analyze land usage, environmental changes, and agricultural patterns.
(4) Urban and Regional Planner: Use GIS to design sustainable urban infrastructure.
(5) Environmental Consultant: Use geospatial data to assess environmental impact.
(6) Surveyor and Geodesist: Measure Earth’s shape for infrastructure development or scientific research.
(7) Academia and Research: Opportunities in teaching Geography or researching climate change, ecosystem management, or spatial technologies.

Relevant Skills and Certifications: GIS Software Proficiency: Knowledge of GIS software like ArcGIS, QGIS, and ERDAS, Programming and Data Analysis: Basic understanding of Python or R, Remote Sensing: Familiarity with remote sensing technologies.

Key Institutes for Geography and Geoinformatics in India: Indian Institute of Remote Sensing (IIRS), Dehradun, Indian Institute of Technology (IIT), Symbiosis Institute of Geoinformatics, Pune, University Departments: Jawaharlal Nehru University (JNU), Delhi University, and Madras University.

Emerging Areas and Career Prospects: Smart Cities and Urban Development, Climate and Environmental Studies, Agriculture and Natural Resources Management.

Professional Certification Programs: Organizations like the Indian Society of Remote Sensing (ISRS) and the Geographic Information System Certification Institute (GISCI). All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

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Milind Vadjikar  |542 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

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Sir My Age is 38 Now. Running Business In Pune city. Below are the My Assets & Liabilities. Current Values - Assets. Own Industrial Plot - Rs. 2.0 Cr Business Income Yearly Rs. 24.00 Lack Own Company Investment ( Machinery, Debtors Etc ) - Rs 2.40 Cr Mutual Fund & Share Market Investment Rs. 2.10 Cr Bank FD - Rs. 50.00 Lack Own 3 Flats in Pune - Rs. 75 lack, 50 Lack & 35 Lack ( Current Values ) Golds - Rs. 25.00 Lack Land - Agriculture - Rs. 50.00 Lack Term Insurances - Rs. 20.00 Lack ( Till Date Premium Paid ) Labilities. House Loan - Rs. 30.00 Lack ( EMI 26500.00 PM ) Loan will close after 17 years. Car Loan - Rs. 6.35 lack ( EMI 12500.00 PM ) Loan will close after 5 years. This Assets & investment sufficient for maintain 7 family members Expenses after retirement ? ( 4 Adult + 3 Children (Below 5 Years) ). I will retire at the age of 45.
Ans: Hello;

What is the expected monthly rental from industrial plot and machinery?

Are you currently occupying one of the flats mentioned here or are all of them given on rent?

Also your term life insurance is very low. You should have minimum term insurance cover of 2.4 Cr.

You have good assets in agri land, industrial land, gold, real estate but they are relatively illiquid when need arises hence term insurance cover with riders for critical care and accident benefit are an absolute must!

Considering the home loan tenure of 17 years and 3 small kids in the family to be supported for education and decent lifestyle, I am not sure if you can retire in 7 years timeframe from now.

However I would appreciate your reply to my queries above, before I give my firm view about your retirement in 7 years timeframe.

Best wishes;

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