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Harsh

Harsh Bharwani  |69 Answers  |Ask -

Entrepreneurship Expert - Answered on Oct 19, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
Asked by Anonymous - Jul 06, 2023Hindi
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Career

what is the career scope in business marketing

Ans: The career scope in business marketing is quite broad and offers numerous opportunities for individuals who are interested in this field. Business marketing, also known as B2B (business-to-business) marketing, involves promoting products or services to other businesses rather than to individual consumers. Here are some aspects and career opportunities within the field of business marketing:

Marketing Management: This is a common career path for business marketing professionals. Marketing managers are responsible for developing marketing strategies, managing teams, and overseeing marketing campaigns to promote products or services to other businesses.

Product Management: Product managers work on developing and managing the products or services that a company offers to other businesses. They often collaborate with cross-functional teams to ensure products meet market needs and generate revenue.

Marketing Strategy: Marketing strategists or consultants work on crafting marketing plans and strategies for businesses. They may provide recommendations on market research, branding, positioning, and promotional activities.

Digital Marketing: In the digital age, online marketing is crucial for businesses. Digital marketing specialists focus on online channels such as social media, content marketing, email marketing, and search engine optimization (SEO) to reach B2B audiences.

Content Marketing: Content marketing involves creating valuable and relevant content to attract and engage B2B audiences. Content marketers often work on blog posts, whitepapers, eBooks, webinars, and other content assets.

Market Research and Analysis: Market researchers collect and analyze data to understand market trends, customer behavior, and competitors. They provide insights that help businesses make informed marketing decisions.

Business Development: Business development professionals work on identifying and pursuing new business opportunities, partnerships, and collaborations. They often play a crucial role in expanding a company's customer base.

Trade Show and Event Management: Managing trade shows and industry events is another area within business marketing. Professionals in this role plan, coordinate, and execute events to promote products and services to a targeted audience.

Public Relations (PR): PR specialists focus on building and maintaining a positive public image for a business. They may work on press releases, media relations, and crisis management.

Account Management: Account managers are responsible for building and maintaining relationships with key clients or customers. They ensure that clients' needs are met and work to grow the business within existing accounts.

Sales: While sales is a distinct field, it closely aligns with business marketing. Sales professionals sell products or services to other businesses, often working closely with marketing teams to generate leads and convert them into customers.

Market Segmentation and Targeting: Specialists in this area focus on dividing the market into segments and targeting specific groups of businesses with tailored marketing strategies.

The career scope in business marketing can be highly rewarding, offering opportunities for advancement and specialization. The specific roles and career paths available may vary depending on the industry, company size, and individual interests and skills. As businesses continue to evolve and adopt new technologies and marketing strategies, there will likely be ongoing demand for professionals in this field.
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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.

...Read more

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

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