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Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 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
Asked by Anonymous - May 15, 2024Hindi
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Hi, I currently have a corpus of 50 lakhs and I am currently employed with a salary of 1.5 lakh per month. I have a home loan of 25 lakhs plus i and my husband are investing approximately 15 thousand in mutual funds by allocating 5k each in 2 quant mutual and kotak Mahindra mutual funds. I have a 5.5 year old kid I want to invest more for my kids education and I want to have a steady income as I am planning to retire early

Ans: Congratulations on your prudent financial habits and your commitment to securing your child's future education while planning for an early retirement. Let's devise a comprehensive strategy to maximize your investments and achieve your goals effectively.

Assessing Your Current Financial Position
Corpus and Income
With a corpus of 50 lakhs and a monthly income of 1.5 lakhs, you have a solid financial foundation.
However, your existing home loan of 25 lakhs may impact your disposable income and investment capacity.
Current Investments
Investing approximately 15 thousand monthly in mutual funds demonstrates your commitment to long-term wealth accumulation.
Diversifying across quant mutual funds and Kotak Mahindra mutual funds indicates a balanced investment approach.
Planning for Your Child's Education
Goal Clarity
Your desire to invest more for your child's education reflects your foresight and commitment as a parent.
Setting specific goals and timelines for your child's education expenses is crucial for effective financial planning.
Investment Strategy
Considering the time horizon until your child reaches higher education age, a mix of equity-oriented mutual funds can offer the potential for substantial growth.
Systematic Investment Plans (SIPs) in diversified equity funds can help build a robust education fund over time.
Early Retirement Planning
Retirement Vision
Your aspiration for early retirement underscores your focus on achieving financial independence and work-life balance.
Early retirement requires careful planning to ensure sufficient income streams for ongoing expenses and lifestyle maintenance.
Income Generation Strategies
Apart from your current employment income, exploring additional income streams such as rental income, dividends, or freelance work can enhance your financial stability.
Allocating a portion of your corpus towards income-generating assets like dividend-paying stocks or debt instruments can provide a steady cash flow during retirement.
Benefits of Regular Funds Investing through MFD with CFP Credential
Personalized Financial Guidance
Working with a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers personalized financial advice tailored to your specific needs and goals.
A CFP can help you navigate complex financial decisions, optimize your investment portfolio, and stay on track towards achieving your objectives.
Conclusion
By strategically allocating your resources towards your child's education and early retirement goals, you can build a secure financial future for your family. Leveraging the expertise of a Certified Financial Planner (CFP) will ensure that your investment strategy is aligned with your aspirations and tailored to maximize returns while minimizing risks.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 13, 2024Hindi
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Money
I am 39 years old earning a monthly salary of 1.20 Lakhs. My investment as on date is PF of Rs. 18 Lakhs, Mutual funds Rs.19 Lakh and Shares of Rs. 8 Lakh. I have covered myself with endowment policy of Rs. 13 Lakhs. I also have a home loan of Rs.75 Lakhs and the repayment will start from Oct 2025. I have covered my life against the loan availed with a term insurance. It’s an under construction flat. Currently I am investing 40k in SIP and 5k in Vol PF. My daughter is 9 years old and in 5th standard. I have 21 years of service left. I am looking for a corpus of 1.5 to 3 crore in the next 5 years and also to close my loan in the next 15 years. At the age of 60 I must be debt free and earning monthly income of at least a Lakh. Please advice. My wife 33 years is also employed she is also earning Rs. 90k per month.
Ans: Crafting a Comprehensive Financial Plan
You've laid out some clear objectives for your financial future, and I'm here to help you navigate the path towards achieving them.

Current Financial Snapshot
Assets
You've made significant investments in PF, mutual funds, and shares, providing a solid foundation for wealth accumulation.

Liabilities
Your home loan presents a sizable debt, but with a structured plan, it can be managed effectively.

Retirement Planning
Corpus Target
Your goal of building a corpus of ?1.5 to ?3 crore in the next 5 years is ambitious yet attainable with disciplined saving and strategic investing.

Investment Strategy
Consider diversifying your investment portfolio further to optimize returns while managing risk effectively.

Loan Repayment Strategy
Loan Closure
Targeting to close your home loan in the next 15 years is a prudent approach to achieving debt-free status by age 60.

Accelerated Payments
Explore options to increase your EMI payments or make lump-sum prepayments whenever possible to reduce the loan tenure and interest burden.

Income Generation
Monthly Income Goal
Aiming for a monthly income of at least ?1 lakh by age 60 requires careful planning and investment in income-generating assets.

Dividend Income
Consider investing in dividend-paying stocks or mutual funds to supplement your income stream.

Education Planning
Daughter's Education
With 21 years of service left, prioritize investing in education funds or SIPs to secure your daughter's future educational needs.

Insurance Coverage
Ensure adequate life and health insurance coverage for yourself and your family to safeguard against unforeseen circumstances.

Collaborative Financial Management
Spousal Contribution
Leverage your wife's income to boost your joint savings and investment efforts, enhancing your financial security collectively.

Joint Planning
Work together to align your financial goals, investments, and savings strategies, maximizing efficiency and effectiveness.

Conclusion
With a well-crafted financial plan tailored to your aspirations and circumstances, you can confidently work towards achieving your goals of wealth accumulation, debt freedom, and financial security for yourself and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2024

Asked by Anonymous - Jul 04, 2024Hindi
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Money
Hi, I am 33 year old with monthly income of 1.3 lac. My wife is also working with monthly income of 65k. I have home loan of 35 lac for which EMI is increased upto 50k now and remaining term is 4.5 years.My wife and me are collectively investing in mutual funds for Rs 40k/month in multiple small , mid and large cap funds. My wife and me have collectively 8 lac in MF's now. Apart from this I have 2.5 lac in equity shares. We want to save and invest for kids future education. (Currently one kid 3 years old and expecting one in few months) Also want to make retirement fund planning.
Ans: You and your wife earn Rs 1.95 lakh per month. You have a home loan of Rs 35 lakh with an EMI of Rs 50k. The loan term left is 4.5 years. You invest Rs 40k per month in mutual funds. You have Rs 8 lakh in MFs and Rs 2.5 lakh in equities.

Financial Goals
Kids' Future Education: Plan and save for children's education.
Retirement Fund: Build a retirement corpus.
Saving and Investment Strategy
1. Continue with SIPs in Mutual Funds
Consistent Investing: Continue Rs 40k/month in SIPs across small, mid, and large cap funds.
Diversification: Diversify to balance risk and return.
2. Increase Investment Gradually
Step-up SIP: Increase SIP amount annually to enhance growth.
Bonus and Increments: Allocate part of bonuses and increments to SIPs.
3. Kids' Education Fund
Dedicated Fund: Start a dedicated SIP for kids' education.
Education Costs: Estimate future education costs and plan accordingly.
Long-Term Growth: Invest in equity-oriented funds for long-term growth.
4. Retirement Planning
Target Corpus: Determine the desired retirement corpus.
Long-Term SIPs: Invest in long-term SIPs for retirement.
Diversified Portfolio: Maintain a mix of equity, debt, and balanced funds.
5. Equity Shares
Review Portfolio: Regularly review and rebalance your equity portfolio.
Long-Term Growth: Focus on long-term growth rather than short-term gains.
6. Debt Management
Home Loan Prepayment: Consider prepaying the home loan when possible.
Reduced Interest: Early repayment reduces interest burden.
Professional Guidance
1. Certified Financial Planner
Personalized Plan: Get a tailored investment plan from a CFP.
Regular Review: Periodically review and adjust your financial plan.
2. Active Fund Management
Professional Management: Actively managed funds can adapt to market changes.
Better Returns: Aim for better returns than index funds.
Analytical Insights
Long-Term Growth
Power of Compounding: Regular SIPs benefit from compounding over time.
Market Trends: Equity markets usually provide higher returns in the long run.
Risk Management
Diversification: Spread investments across various funds to mitigate risk.
Professional Advice: A CFP can help navigate market volatility.
Final Insights
You and your wife have a solid financial foundation. Continue with your SIPs and increase investments gradually. Focus on dedicated funds for kids' education and retirement. Consider prepaying your home loan to reduce interest. Regularly review your investments with a certified financial planner. This disciplined approach will ensure a secure financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Money
Hello Sir, I am a 40 yr old Zonal Sales Head in a private organisation having monthly take home salary of Rs.2.15 lakhs. I now invest Rs.81,500/month in diversified mutual funds SIP. I have a mutual fund Corpus of Rs.67.5 lakhs. I have Rs.16 lakhs in Shares in equity market & Rs.28 lakhs in PF, Rs.8 lakhs in PPF, Rs.8.5 lakhs in LIC Jivan Anand. I keep Rs.3 lakhs in Bank account. I have a 6 yr old daughter. I would like to have 2.5 Cr for my daughters' higher education in 15 yrs & i need to have a corpus of 8 crores for my retirement in 18 yrs. Please suggest, am i on the right path.
Ans: I understand that you want to ensure your daughter's higher education and a secure retirement. With a structured plan and consistent efforts, you're on the right path to achieving your financial goals. Let's dive deeper into your current investments and future needs.

Current Financial Standing
You have an impressive monthly salary of Rs. 2.15 lakhs. Out of this, you are investing Rs. 81,500 in diversified mutual funds SIPs. Your mutual fund corpus stands at Rs. 67.5 lakhs, and you have Rs. 16 lakhs in equity shares. Additionally, you have Rs. 28 lakhs in your Provident Fund (PF), Rs. 8 lakhs in Public Provident Fund (PPF), and Rs. 8.5 lakhs in LIC Jivan Anand. You also maintain Rs. 3 lakhs in your bank account for liquidity. This is a robust financial foundation.

Assessing Your Goals
Your financial goals are clear and ambitious. You aim to have Rs. 2.5 crores for your daughter's higher education in 15 years and a retirement corpus of Rs. 8 crores in 18 years. Let's break down how your current investments align with these goals and what adjustments may be necessary.

Mutual Fund Investments
Your substantial investment in mutual funds is commendable. Diversified mutual funds are a solid choice for long-term growth. Given your current SIPs, ensure that your portfolio remains balanced across large-cap, mid-cap, and small-cap funds. Diversification reduces risk and enhances growth potential.

Regular Monitoring and Rebalancing
It is crucial to monitor your mutual fund portfolio periodically. Market conditions change, and your investments may need rebalancing to maintain the desired asset allocation. Regular reviews with a Certified Financial Planner can help optimize your portfolio.

Benefits of Actively Managed Funds
Actively managed funds often outperform index funds, especially in the Indian market. Professional fund managers make strategic decisions to maximize returns, adapting to market fluctuations. This expertise can potentially provide higher returns compared to passive index funds.

Equity Shares
Your Rs. 16 lakhs in equity shares is a good investment. Direct equity investment can offer substantial returns but also comes with higher risk. Ensure that your equity portfolio is well-diversified across different sectors to mitigate risk. Consider periodically reviewing and possibly reallocating your investments based on market performance.

Provident Fund (PF) and Public Provident Fund (PPF)
Your investments in PF and PPF are prudent for long-term security. These instruments offer safety and tax benefits. Continue contributing to these funds to ensure a stable, risk-free component in your portfolio.

Life Insurance Policies
You have Rs. 8.5 lakhs in LIC Jivan Anand. While traditional insurance plans provide security, they often yield lower returns compared to mutual funds. Given your substantial investment in insurance, consider evaluating the returns and possibly reallocating to higher-yielding investments.

Surrendering Investment-cum-Insurance Policies
If the returns from LIC Jivan Anand are not meeting your expectations, consider surrendering the policy. Reinvesting the proceeds into diversified mutual funds can potentially offer better growth, aligning with your long-term goals.

Emergency Fund
Maintaining Rs. 3 lakhs in your bank account for emergencies is wise. This fund should cover at least six months of your expenses. Given your monthly salary and expenses, ensure that this emergency fund remains liquid and easily accessible.

Daughter's Higher Education Goal
To achieve Rs. 2.5 crores in 15 years for your daughter's higher education, your investments need to grow at a healthy rate. Diversified mutual funds can help achieve this target. Ensure that you regularly review and adjust your SIPs to stay on track with this goal.

Education Savings Plan
Consider setting up a dedicated education savings plan. This plan can focus on high-growth mutual funds with a mix of equity and debt to balance risk and returns. Regular contributions and compounding growth will help you reach the Rs. 2.5 crore target.

Retirement Planning
Your goal of Rs. 8 crores for retirement in 18 years is ambitious but achievable with disciplined investing. Let's evaluate how your current investments align with this goal.

Building a Retirement Corpus
Continue with your diversified mutual fund SIPs and equity investments. Additionally, consider increasing your SIP contributions periodically to match inflation and salary increments. This will help grow your corpus faster.

Role of Provident Funds
Your investments in PF and PPF will provide a stable and secure base for your retirement corpus. These funds should continue to form a core part of your retirement plan due to their safety and tax benefits.

Long-Term Investment Strategy
Adopt a long-term investment strategy focusing on equity mutual funds for growth. As you approach retirement, gradually shift to more conservative investments like debt funds to protect your corpus from market volatility.

Tax Planning
Efficient tax planning can enhance your savings and investment returns. Utilize tax-saving instruments like ELSS (Equity Linked Savings Scheme) mutual funds. They offer tax benefits under Section 80C and potential for higher returns.

Maximizing Tax Benefits
Ensure that you are fully utilizing the Rs. 1.5 lakh deduction limit under Section 80C through investments in PPF, EPF, and ELSS. Additionally, consider tax-saving options under Sections 80D for health insurance and 24(b) for home loan interest.

Health Insurance
Adequate health insurance is crucial for financial security. Ensure that you and your family are covered under a comprehensive health insurance plan. This will protect your savings and investments from unforeseen medical expenses.

Estate Planning
Consider creating a will to ensure your assets are distributed according to your wishes. Estate planning helps avoid legal complications and ensures your family's financial security.

Education and Retirement Goal Alignment
Balancing your daughter's education and your retirement goals is key. Prioritize and allocate investments towards both goals. A Certified Financial Planner can help structure a plan that aligns both objectives without compromising either.

Final Insights
You are on a commendable path with your disciplined investment approach. Your diversified portfolio and regular investments are key to achieving your financial goals. Regular reviews and rebalancing of your portfolio will ensure you stay on track.

Consulting with a Certified Financial Planner can provide tailored advice and strategies to optimize your investments. Stay focused, and your financial goals are well within reach.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 2024

Asked by Anonymous - Jul 28, 2024Hindi
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Money
Hello sir, I (33yr) and my wife(30) are earning monthly salary as 3.5L.We are paying monthly 30K EMI for home loan with outstanding of 25L. We are investing below mf's with monthly 40K as SIP and will continue these investments next 10-15 years with annual 5% increase.Currently my portfolio value is 10L with 38% return(35.65% XIRR). And i have invested some amount in real-estate as well.The current market price of that investment is 1.25Cr. 1)Parag Parikh Flexi Cap Fund Direct Growth-5000 2)SBI Contra Direct Plan Growth-10000 3)Nippon India Small Cap-5000 4)Canara Robaco Small Cap-5000 5)Quant Small Cap Fund Direct Plan Growth-5000 6)Tata Digital India Direct Growth-10000 And my wife is investing monthly 15% of basic salary for ESOP in her company(US listed company). The market value of current stocks price is 25L. We have 1yr kid and will plan another one later.Our goal is to create good corpus fund(appx 5-10cr) to maintain kids education and retirement. Are we in current path to reach our goal or need to make any adjustments?
Ans: Financial Situation Overview

Your combined monthly income of Rs. 3.5 lakhs is impressive.
Home loan EMI of Rs. 30,000 with Rs. 25 lakhs outstanding is manageable.
Monthly SIP of Rs. 40,000 shows good commitment to investing.
Your diverse investment portfolio is praiseworthy.

Current Investment Analysis

Your mutual fund portfolio of Rs. 10 lakhs shows good growth.
The 38% return (35.65% XIRR) is excellent. Keep monitoring it.
Real estate investment of Rs. 1.25 crores adds to your wealth.
Your wife's ESOP worth Rs. 25 lakhs is a valuable asset.

Investment Strategy Evaluation

Your mix of flexi-cap, contra, and small-cap funds is well-diversified.
The technology sector fund adds a growth element to your portfolio.
Annual 5% increase in SIP is a good strategy for long-term growth.
Consider adding some mid-cap funds for better balance.

Risk Assessment

Your portfolio seems tilted towards high-risk small-cap funds.
The technology sector fund also carries higher risk.
Consider balancing with some large-cap or multi-cap funds.
Review your risk tolerance as you approach your goals.

Goal Analysis

Your goal of Rs. 5-10 crores for education and retirement is ambitious.
With your current savings rate, you're on a good path.
Consider increasing your investments as your income grows.
Factor in inflation when planning for long-term goals.

Asset Allocation

Your investments are heavily skewed towards equity.
Consider adding some debt funds for stability.
Rebalance your portfolio annually to maintain desired asset allocation.
Don't forget to factor in your real estate investment.

Tax Planning

Ensure you're maximizing tax benefits under Section 80C.
Consider tax-efficient withdrawal strategies for the future.
Review the tax implications of your wife's ESOP regularly.

Insurance Planning

Ensure you have adequate life insurance coverage.
Review your health insurance needs, especially with a growing family.
Consider disability insurance to protect your income.

Emergency Fund

Set aside 6-12 months of expenses in an easily accessible fund.
This will help you avoid disturbing your investments during emergencies.

Child Education Planning

Start a separate fund for your children's education.
Consider education-focused mutual funds for this purpose.
Factor in potential overseas education costs.

Retirement Planning

Your current investments will contribute significantly to retirement.
Consider starting a separate retirement-focused portfolio.
Review your retirement needs and adjust investments accordingly.

Finally

Your financial planning is on the right track. Keep it up!
Regularly review and rebalance your portfolio.
Stay disciplined with your investments, even during market fluctuations.
Consider consulting a Certified Financial Planner for personalized advice.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Health
Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

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Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

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Relationship
Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

Hope this helps.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |163 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 14, 2024

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Career
I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

...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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