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How Can I Earn 200,000 Per Month? Asking for Naven

Ramalingam

Ramalingam Kalirajan  |7213 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 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
Vijaya Question by Vijaya on Nov 06, 2024Hindi
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Hi i am naveen i have to earn 200000 per month please help me please

Ans: To achieve a monthly income of Rs. 2,00,000, focus on creating a balanced, diversified portfolio with steady and growth-oriented investments.

Start by investing in Fixed Deposits and Debt Funds for stable returns. Add dividend-paying mutual funds for regular income, which could yield 5-7% annually. If you have property or funds to invest in real estate rentals, these can provide reliable cash flow.

For long-term growth, invest in equity mutual funds through SIPs, targeting 10-12% returns. Over time, you could set up a Systematic Withdrawal Plan (SWP) from these funds, generating monthly income.

As your portfolio grows, review it regularly with a Certified Financial Planner (CFP) to adjust according to your income needs. This approach, blending stability with growth, can help you consistently reach your Rs. 2,00,000 monthly goal.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |7213 Answers  |Ask -

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

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I need money for 2 months 35000
Ans: If you need Rs 35,000 for a short-term period of 2 months, here are a few options to consider:

1. Emergency Fund
If you have an emergency fund set aside, this would be the ideal use for it. It’s designed for unexpected expenses like this, ensuring you don’t disrupt your long-term investments.

2. Personal Loan
Consider a personal loan from a bank or a reputable financial institution. Personal loans typically offer quick disbursal and can be repaid over a short period, such as 2 months. Compare interest rates and terms to find the best option.

3. Credit Card
If you have a credit card with sufficient limit, you could use it for the amount needed. However, ensure you can repay the balance in full within the interest-free period to avoid high interest charges.

4. Withdrawal from Investments
If you have investments in liquid assets like certain mutual funds or fixed deposits, you might consider withdrawing the required amount. Be mindful of any withdrawal penalties or tax implications.

5. Borrowing from Friends or Family
If feasible and comfortable, borrowing from friends or family might be an option. Ensure you have a clear agreement on repayment terms to avoid misunderstandings.

6. Salary Advance
If you're employed, you might inquire about a salary advance from your employer. This allows you to access a portion of your salary in advance, which can be repaid through deductions from future paychecks.

Final Considerations
Evaluate these options based on your personal financial situation and choose the one that aligns best with your needs and ability to repay within the specified timeframe.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Archana

Archana Deshpande  |86 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

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Career
Hi, I have been an introvert guy for my whole life, but somehow I always got good colleagues which became great friends. But from last 5 years I am in a office where very few people works and that too they are not connected to me. Hence, I get a very little exposer with them. Feels so much lonely in office as there is not a lot of workload also. Most of my day goes watching reels on social media. Sometimes i forgot when last i smiled/laughed at office place where I spends 9 hours of my day (I do talk to my family over phone, but can't help my loneliness). what can I do....worried... A very lonely 45 year male.....
Ans: Dear Sunil,

No one is clear cut introvert or an extrovert, look at yourself closely too... in some circumstances you behave like an extrovert and some areas you behave like an introvert.

Be brave and say "hi" to people around you in the office, you be the first one to greet, this itself can be a starting point to making new friends. A smile and a pleasant "hi" is all it takes.
Look for opportunities to connect with ppl in the office, instead of sending mails or reminders to ppl electronically, just walk up to them and speak to them or call them up to say you have sent a mail/reminder. This way you can establish a human connect.
Also check if you can go to the dining area to eat lunch and during breaks.. do not sit at your desk and have lunch.
Social media and watching reels is a "big no" if you are yearning for human connections. I am glad you talk to your family...outside the office, join book clubs, singing clubs, drama clubs or anywhere your interest lies...you can join a classroom to learn and develop a new skill....

Also check if you are getting enough sleep, exercise, fresh air , sunshine during the day....focus on your diet too!!

Hope this helps... take care of yourself!

...Read more

Archana

Archana Deshpande  |86 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

Archana

Archana Deshpande  |86 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

Asked by Anonymous - Nov 22, 2024Hindi
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Hi am 27Y M. I didn't complete my graduation due my negligence i started working in bpo companies for 2 years and i have other experience for 1 year in field work. This year (2024) January i lost my job so i have joined in new startup company which was completely fraud company where i have lost 3 months of my time post that i have attended 60+ companies for interviews i have passed in many interviews but they have rejected me as i don't have degree. So i started doing daily payment jobs am earning good bucks but am not happy with what am doing. Recently i had health issue and trying to recover from that this complete year i have not gained or earned anything. Can any1 please suggest where i can start fresh
Ans: Hey!!

You are just 27 yrs old, there is a full life ahead of you!! Trust me when I say that every experience is a learning experience. Look back at life, reflect and see what you learnt from each experience, how you responded to each experience, and how you have changed for better. This the only way to go about being positive and happy. This is the key to live a fulfilling life
Focus on your health, however cliche it may sound ,"health is wealth". Recover, rejuvenate, become sound in body and mind. Do all that takes to regain your mojo.
Take one step at a time towards becoming better in all the areas of your life.
Go back to the classroom , learn and get that degree. There is something about getting a degree, it shows your focus, resilience and the ability to get things done come what may, this will again help you in moving forward in life!!

Practice gratitude, meditate, exercise, stay healthy, stay happy and stay positive.
Things will soon fall in place when you start taking care of yourself... your life, your pace and it's your journey... do not compare yourself with anyone. Life is your race to be won, by becoming better version of yourself and giving your 100%. Get up and get going with wisdom and clarity of thought.

All the very best!! More power to you!!

...Read more

Archana

Archana Deshpande  |86 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

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I was the first boy in my school before the covid 19 started. But due to lockdown, our school took Online Exams and everyone gave their exams sitting at their home. I am vey honest in life so I didn't cheat like the three boys who repeatedly claimed the top three positions for the last three years. But now, one boy has slipped off from the top 10 positions due to extreme poor in study. But two boys still comes 1st and 2nd respectively. I was back few positions during covid and now I came Fifth this time. One boy named (---) who used to come second, came third this time, is very rude and jealous of my success and literally threatens me. From then, I decided to cross him from his place and show them who I was and I am. I have been trying my best at my studies to be at a better position this time. So, I request for more suggestions from you to improve myself and be better this time. Thank You.
Ans: Dear Madhurrya!!

You have a nice and unique name.. it sounds so good!! I like that fact that you are honest, it's a strength, let this not change because of cheating students. Good people don't change because of bad people. All the best on staying honest always , remember it is your strength.

Coming to your question..it's nice to have ppl competing with others and upping their game. If it is a respectful way, then go ahead and compete and become better, just like Rafal Nadal and Roger Federer, they became good at what they were doing by competing with each other.
Forget about that boy who threatens you...don't give him any space in your head, stay away from him and be strong enough to defend yourself when he tries to harm you, take help of elders if he physically harms you. Don't get into any verbal duels, he is not worth your time and attention. BE SAFE.

Let's now look into you getting better marks and upping your score..
1. discipline and consistency is what will help you score well
2. the power to score better lies in not just regular studies but in your revision. After you study a chapter, revise it within 10 mins , once in 24 hrs and then after 07 days. This way the learning gets absorbed completely.. try it out, maintain a diary for to plan every chapter's revision .. let me explain.. supposing you study chapter 09 in Science, then you revise the concepts for 10 mins after you finish studying it. Revise it the next day( 24 hrs).. and then mark in the diary to revise it after 07 days, revise it on that day. Your retention and reproducing the learning goes up by 80%.
3. Get enough sleep, eat good balanced diet, get 20 mins of physical activity and meditate for 10 mins. The simplest meditation is to sit in a quiet place, relax, close your eyes and observe your breath going in and out. Don't fret if you lose focus, just get back to observing the breath.
4. you keep working on your studies and yourself. You focus on becoming better, forget about all else and do not compare yourself with anyone.

All the very best!!

...Read more

Dr Anshuman

Dr Anshuman Manaswi  |7 Answers  |Ask -

Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Dec 06, 2024

Asked by Anonymous - Dec 06, 2024Hindi
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Health
I’m 38, female, working as a business consultant in Pune. After having two kids, I am struggling with post-pregnancy weight and loose skin around my abdomen. I’ve tried everything from dieting to exercise, but the stubborn fat and loose skin just won’t budge. I’ve been considering liposuction or a tummy tuck. Do you think it will help? Could you please explain the risks and benefits of both liposuction and a tummy tuck? How do these two procedures compare in terms of results and recovery time? I want to understand the procedure and risk involved before making a decision.
Ans: Your problem is same as with lakhs of women who are proud mothers. Loose tummy skin with stretch marks along with some bulge in the abdomen is due to the extra skin of the pregnancy which has not shrunk back due to lack of elasticity. Also, the muscles of the abdomen (the abs) become loose due to the stretch during pregnancy.
Unfortunately, these problems cannot be bettered significantly by any non surgical methods because they are mechanical problems.
Weight loss and exercises can make the flab thin but cannot shrink the skin.
So the only solution in most cases is TUMMY TUCK SURGERY (not non surgical so called Tummy tuck which is mostly ineffective). This surgery is very safe and satisfying. It not only removes the loose skin with stretch marks but also tightens the muscle. Simultaneous liposuction adds to better figure. it also helps in relieving back pain by balancing the front and back muscles and also takes care of increased frequency of urine which is very common after pregnancy.
Yes, there is a horizontal scar in the panty line l, but that is a very small price to pay for a much better figure and better functionality.
Overall, this surgery is one of the most satisfying surgeries in plastic surgery.

...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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