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Ravi

Ravi Mittal  |187 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 02, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
sandeep Question by sandeep on Mar 30, 2024Hindi
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Relationship

Hi,......... again met my girl after22 years, on social platform last 7 years back (not physically) and met physically last year, talked, smooched, but after all this she's being bit cold, cold in the sense she does not call and msg quite less now, what could be the reason behind all these changes. TILL NOW AM SURE YOU WOULD GOT TO KNOW THAT IT IS A LONG DISTANCE RELATION. (OUT OF THE COUNTRY TO BE MORE PRECISE).

Ans: Dear Sandeep,

There can be a myriad of reasons why she is acting cold. Long-distance relationships aren't easy to maintain. They can be exhausting at times. It is best if you sit her down and have a clear conversation stating your concerns. You are grownups. Assuming that something is wrong and overthinking about it will not help anyone. Clearing things out in the open is a better idea, any day. There's always a chance that you might not like what you find out, but at least, you will have clarity. But then again, you could be reading it wrong. People change a bit with the years. It could just be that. Talk to her.

Best Wishes.

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

Relationship
Hi Love Guru. Please keep my identity as anonymous as possible.  I have few issues going on in my mind and want your suggestions. First, to get out of block and unblock chain. I met a girl who is my brother’s friend in 2017. We started chatting on FB, then exchanged numbers. We had a rapport till six months. There was a unique attachment between us during that period. Not chatting with her for even one day would make me uneasy. In October 2017, her engagement was fixed. I was normal, knowing that there cannot be much between us except being in contact. One day, at the end of our talk, she said, Love you. I laughed, saying “What nonsense that you always call me with different weird names. Now, after your engagement is fixed, you are telling me this.” Then, she blocked me on WhatsApp and I really felt like I was in a cage. Then, after a few days, she unblocked me. She got engaged but, after a few months, her engagement broke. We then again got in good contact. After few months her marriage got fixed. Now she is married. After her marriage, our contact was very, very less as priorities changed. I proceeded with my studies and job and she carried on with her personal and professional life. Two months back, she called me and said I am bored and feeling irritated with life so I called you to freshen my mind. I was also happy talking to her. I am that kind of introvert person who opens up with few and she was among them. For one or two weeks, we used to talk 30 to 45 minutes daily. Suddenly, she blocked me on WhatsApp. I called her and she behaved like a stranger to me -- like who’s this, I don’t know you, who you are and she ended the call and blocked me. Till date, she has blocked me. I think there are many things she is hiding from me -- from why her first engagement broke to marring another guy who is not of her caste when she is from a conservative family  Post her engagement, there were many times she blocked and unblocked me. She is running in my mind. I want to get rid of her. Please suggest how and what shall I talk to her so I get an end to this. Thank you for bearing to read all this. My second issue is I think I am addicted to pornography. Two to three years back, I used to watch a lot of porn and would prefer MILF porn, ie senior pornstars videos. I think, due to this, I don’t get much attracted to girls of my age. I respect them but I think, because of my addiction, I see females elder to me attractive rather than females of my age. Please help. Suggest how I shall get out of this as this also affects me academically, personally and professionally. Thank you, Anon
Ans:

Dear Anonymous,

I don’t think you really have any serious problems in your life at all; it’s your perceptions that are all wrong.

Let me straighten this out for you, one issue at a time.

First off, you have one weird, unpredictable friend who once told you she loved you and then went and married someone else.

Not once have you stated that you are in love with her or have feelings for her. In fact, when she said she loved you, you brushed it off.

She contacts you when she’s bored and cuts you off when she’s not.

And now, it’s come to the point where you really need to be the one blocking her and not the other way around...

You want to get rid of her? Block her once and for all. And if she still manages to get in touch, tell her politely that you have had enough of this one-sided friendship and not to contact you again.

Second, about what you think is a porn ‘addiction’... An addiction is something that interferes with your normal life, career and relationships. It’s an obsession that consumes you every waking hour.

And, from what you’ve said, I don’t think you’re watching such volumes of pornography every day, are you?

Furthermore, unless you’re into grannies, I don’t think there’s anything wrong with being attracted to women older than you... everyone has a type!

If after everything I’ve said you still fancy you have problems, I’d suggest visiting a therapist. But before spending that kind of money, think long and hard about what I’ve said and decide for yourself whether you think you need it.

 

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jun 30, 2023

Asked by Anonymous - Jun 16, 2023Hindi
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Relationship
I am 49 years male, married and having two kids aged 16 years and 13 years. My relations with my spouse are not smooth since many years and we don't have physical intimacy and don't have sex with more than five-six years. I am attracted towards a girl aged about 30 plus years working in my office. We used to go around after office hours, had some coffee and chat and then I dropped her at her residence. I have expressed my love to her and she has responded that she will be my friend forever and don't want to disturb and ruin my family. I was okay with this as I was mentally happy to have her as my friend. But from few days, she has started ignoring me and giving late replies to my messages. I asked her to meet after office hours but she refused on one pretext or other. For few days, we don't have any communications. I was very disturbed and depressed about her behaviour. I even asked the reasons why she has changed, but she replied that she has not... Now, we are exchanging only rare few official messages...... I am so much shocked that I am not even finding courage to ask her to meet.... I fear I might lost her......Kindly advise me
Ans: Look, at some point this girl is going to meet another man and start dating or get married. This change in her behaviour may be indicative of the fact that she has already met someone. And she is aware of your feelings for her, so is probably keeping her distance. My advice is to focus on your own marriage and family, please visit a counsellor and try getting your relationship with your wife back on track. This may be a blessing in disguise for you.

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Shalini

Shalini Singh  |64 Answers  |Ask -

Dating Coach - Answered on Aug 12, 2023

Asked by Anonymous - Aug 11, 2023Hindi
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Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Money
Hi Experts! I am 36 years old, married 1 year ago. I have Rs.223000 invested in Mutual Fund. Per Month 10k in Parag Parikh Flexi Cap Fund, Rs.1250 in DSP ELSS Tax Saver Fund Direct Growth, Rs.1000 in Kotak ELSS Tax Saver Fund Direct Growth, PGIM India Tax Saver Fund Direct Growth, Rs.2000 in Nippon India Small Cap Fund Direct Growth, Rs.2000 in Quant Multi Asset Fund Direct Growth and Rs.2000 in ICICI Prudential BHARAT 22 FDF Direct Growth. Apart from this I pay Rs.10k/month in PPF and 1.5 lac/year in SBI Life Insurance. Please let me know if this is a good portfolio or should I modify anything in this. What kind of Future return I will be expecting here with this portfolio.
Ans: Congratulations on your recent marriage and your proactive approach towards financial planning. It's evident that you're committed to securing your financial future.

Your investment portfolio reflects a diversified approach, which is a positive sign. Diversification helps spread risk and can enhance long-term returns. Let's delve into your portfolio to assess its effectiveness and potential for future returns.

Investing in Parag Parikh Flexi Cap Fund offers exposure to a diversified portfolio across various sectors and market capitalizations. This fund's flexible investment strategy allows it to capitalize on emerging opportunities, potentially leading to attractive returns over time.

ELSS Tax Saver Funds like DSP and Kotak offer tax benefits under Section 80C of the Income Tax Act while providing exposure to equities. These funds have a lock-in period of three years, aligning with your long-term investment horizon.

Nippon India Small Cap Fund and Quant Multi Asset Fund offer exposure to smaller companies and multiple asset classes, respectively. Small-cap funds have the potential for higher growth but come with increased volatility. Ensure they align with your risk tolerance.

ICICI Prudential BHARAT 22 FDF provides exposure to a diversified basket of public sector enterprises and select private sector companies. This fund can add stability to your portfolio while offering growth potential.

Your investments in PPF and SBI Life Insurance contribute to your overall financial security and tax planning. PPF offers stable returns with tax benefits, while life insurance provides protection for your family's future financial needs.

Considering your age and investment horizon, this portfolio has the potential to generate attractive returns over the long term. However, periodically review and rebalance your portfolio to ensure alignment with your financial goals and risk tolerance.

For a more comprehensive analysis and personalized advice, consider consulting a Certified Financial Planner who can tailor recommendations to your specific needs and objectives.

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

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Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 17, 2024Hindi
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Money
Hello Sir, I have 3 children whose ages are 1, 6 and 8 years. I am planning to open a Sukanya Samriddhi Fund of 3,000 p/m for the youngest girl child and invest another 2000 in Quant Small Cap Mutual Fund. For the two boys I have invested 3,000 in HDFC Index Fund- S&P BSE Sensex, 3000 in Nippon India Small Cap Fund, 7700 in PGIM India Flexi Cap Fund. All the Mutual Funds are on the basis of annual Stepup of 10% each. Further Rs 6,000/- each p/m is being invested in PPF for the two boys. I have been investing for the past two years for their future education. Kindly advice whether I should rebalance the mutual fund portfolio. Regards
Ans: Your dedication to securing your children's future education is commendable! It's wonderful to see your proactive approach towards financial planning.

Regarding your investment portfolio, it's prudent to periodically review and rebalance it to ensure alignment with your financial goals and risk tolerance. Given the ages of your children and your investment horizon, maintaining a diversified portfolio is essential.

Rebalancing involves adjusting your investments to maintain your desired asset allocation. As your children grow older, their investment horizons change, necessitating a shift in your portfolio composition.

The Sukanya Samriddhi Fund for your youngest daughter is a great choice, providing tax benefits along with long-term growth potential. However, investing solely in a small-cap fund for her brother may expose him to higher volatility due to the inherent risk associated with small-cap stocks.

Consider diversifying his portfolio by allocating a portion to large-cap or flexi-cap funds, which offer stability and growth potential. Also, review the step-up feature's impact on your investments to ensure it aligns with your risk appetite.

While index funds offer cost-effective exposure to market returns, actively managed funds like PGIM India Flexi Cap Fund may provide potential for outperformance through skilled fund management. Actively managed funds allow for tactical allocation adjustments based on market conditions, potentially enhancing returns.

As for your PPF investments, they provide tax benefits and safety, contributing to a balanced investment strategy. However, ensure that the contribution limits are utilized optimally.

In conclusion, periodic portfolio rebalancing ensures your investments remain in line with your financial objectives. Consider consulting a Certified Financial Planner for personalized advice tailored to your specific needs and goals.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Money
Hi Vivek, We are 43 y/o couple without kids, and plan to retire by 55. I want to aggressively invest for our retirement. I earn 4.5L p/m and our expenses are 75K. We have 9L in shares, 10L in Gold Bonds, 20L in corporate FDs, 40L in EPF, a paidup house and 10L in NPS. We have 1.2Cr in bank account earning 7% interest. Can you help us invest better, we can aggressively invest aroud 2L, which MF should we further invest in to comfortably retire?
Ans: Hi Vivek,
It's fantastic to see your proactive approach to retirement planning. With a clear goal of retiring by 55 and a solid financial foundation, you're well-positioned to achieve your aspirations. Let's explore how we can optimize your investments to support your retirement plans:
1. Assessing Your Current Portfolio: You've built a diverse portfolio with investments in shares, gold bonds, corporate FDs, EPF, NPS, and bank deposits. This demonstrates a prudent approach to wealth accumulation and risk management.
2. Identifying Investment Opportunities: Given your goal of aggressive investing, we can consider allocating a portion of your investable surplus to equity mutual funds. Equity funds have the potential for higher returns over the long term, although they come with higher volatility.
3. Choosing Suitable Mutual Funds: When selecting mutual funds, it's essential to consider factors such as your risk tolerance, investment horizon, and financial goals. We can explore options across different categories like large-cap, mid-cap, and multi-cap funds to diversify your portfolio effectively.
4. Setting Realistic Expectations: While investing aggressively can potentially accelerate wealth accumulation, it's crucial to remain mindful of market risks and volatility. A disciplined approach to investing and periodic portfolio reviews are key to staying on track towards your retirement goals.
5. Monitoring and Reviewing: Regularly monitor the performance of your investments and reassess your financial plan as needed. Adjustments may be necessary based on changes in market conditions, economic outlook, or personal circumstances.
Remember, achieving financial independence requires patience, discipline, and a long-term perspective. By working together to craft a tailored investment strategy, we can help you navigate towards a comfortable retirement.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Money
I am seeing good return ls in PSU equity funds and Infra Funds while risk factors are high Should I continue to invest there or swap to any other funds I want to make a SIP for 1 lakh hereafter Pl suggest
Ans: It's impressive that you're actively monitoring your investments and considering adjustments to optimize returns while managing risk. Investing in PSU equity and infrastructure funds can indeed offer attractive returns, but it's crucial to weigh the associated risks carefully.

While these funds may have performed well historically, it's essential to recognize that past performance is not indicative of future results. PSU equity and infrastructure sectors can be volatile and sensitive to economic and policy changes.

As a Certified Financial Planner, I recommend assessing your risk tolerance and investment objectives before making any decisions. While high-risk investments can potentially yield high returns, they may not be suitable for everyone, especially if you have a low tolerance for volatility.

Consider diversifying your portfolio across different sectors and asset classes to spread risk effectively. You may explore options such as large-cap, mid-cap, or flexi-cap funds, which offer exposure to a broader range of stocks and sectors.

Regularly review your investment portfolio and make adjustments as needed to ensure it remains aligned with your financial goals and risk tolerance. Periodic rebalancing can help optimize returns while mitigating risk.

Lastly, consider consulting with a Certified Financial Planner who can provide personalized advice tailored to your specific financial situation and goals. They can help you design a well-rounded investment strategy that meets your needs and aspirations.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Money
Iam 34 years old. I have invested by SIP in HDFC large and midcap fund, HDFC Nifty 50 index fund and Sundaram flexi cap fund each Rs. 2500. I can invest another 7500 monthly.Can you suggest how to go about it.
Ans: It's excellent that you're proactively investing through SIPs, which is a prudent approach to building wealth over time. Let's explore how you can further allocate your additional investment of Rs. 7500 per month:
1. Diversification: Since you already have exposure to large and mid-cap stocks through HDFC Large and Midcap Fund, and to the Nifty 50 index through HDFC Nifty 50 Index Fund, you may consider diversifying into other market segments or asset classes to spread risk.
2. Consider Small-cap or Sectoral Funds: To enhance diversification, you could allocate a portion of your additional investment to a small-cap fund or a sectoral fund. Small-cap funds have the potential for high growth but come with higher risk, so ensure it aligns with your risk tolerance. Sectoral funds invest in specific sectors like technology, healthcare, or banking, offering focused exposure to particular segments of the market.
3. International Exposure: Another option is to consider investing in an international fund to diversify geographically. International funds provide exposure to global markets, offering opportunities for growth and diversification beyond domestic equities. This can help reduce portfolio risk through exposure to different economies and currencies.
4. Debt Funds for Stability: Depending on your risk profile and investment goals, you might also consider allocating a portion of your additional investment to debt funds for stability. Debt funds invest in fixed-income securities like bonds and offer lower volatility compared to equity funds. They can serve as a cushion during market downturns while providing steady income.
5. Review and Rebalance: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if necessary by adjusting your asset allocation based on changing market conditions or personal circumstances.
By diversifying your portfolio across different asset classes and market segments, you can mitigate risk while potentially enhancing returns over the long term. Consider consulting with a Certified Financial Planner to tailor an investment strategy that aligns with your specific financial objectives and risk profile.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Money
Hello Sir I m investing 9000 in SBI small cap & 9000 in Quant small cap in Feb'2024. Also 6000 in Parag Parikh Flexi Cap and 6000 in Quant Flexi Cap for the period for 20+ years. Please review my funds. Is these are good to continue.
Ans: It's commendable that you're investing with a long-term horizon in mind. Let's review your fund choices:

SBI Small Cap: Small-cap funds typically carry higher risk but also the potential for higher returns over the long term. Given your investment horizon of 20+ years, investing in small-cap funds can be a sound strategy, as they have the potential to outperform over extended periods.

Quant Small Cap: Similar to SBI Small Cap, Quant Small Cap also falls into the small-cap category. It's essential to understand that small-cap funds can be volatile in the short term but may offer significant growth opportunities over the long run.

Parag Parikh Flexi Cap: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. Parag Parikh Flexi Cap is known for its diversified approach and focus on quality stocks. It's a suitable choice for long-term investors seeking exposure to a mix of large, mid, and small-cap stocks.

Quant Flexi Cap: Flexi-cap funds like Quant Flexi Cap offer flexibility in asset allocation, allowing the fund manager to adapt to changing market conditions. While Quant Flexi Cap may provide growth opportunities, it's essential to monitor its performance and ensure it aligns with your investment objectives.

Overall, your fund selection reflects a diversified approach across small-cap and flexi-cap categories, which can potentially provide robust growth prospects over the long term. However, it's essential to regularly review your investments to ensure they remain aligned with your financial goals and risk tolerance.

Consider consulting with a Certified Financial Planner periodically to reassess your investment strategy and make any necessary adjustments based on changing market dynamics and personal circumstances.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Money
I want to invest in mutual funds. I am 28 and currently ready to invest 30k/month in mfunds. My plan Icici nasdaq index fund - 4000/month sip. Ñippon power and infra fund- 6000/month Hdfc retirement savings fund-5000/month Quant small cap-5000/month Quant mid cap-5000/month Dsp nifty 50 eyal weight- 5000/month. I Classify as high risk invester (will not touch in next 10years).. is it distributed will enough. Would like to know any rebalancing suggestion..
Ans: It's great to see your enthusiasm for investing at such a young age! Your selection of mutual funds reflects a high-risk appetite, which aligns with your long-term investment horizon of 10 years.

Diversification is essential in managing risk, and your portfolio covers various segments including international exposure, power & infrastructure, retirement savings, and small & mid-cap funds. This diversity can help mitigate the impact of volatility in any single sector or market segment.

As a high-risk investor with a long-term perspective, your portfolio appears well-distributed across different asset classes and market segments. However, it's crucial to periodically review your portfolio's performance and make necessary adjustments to maintain alignment with your investment goals and risk tolerance.

Rebalancing your portfolio involves periodically realigning your asset allocation to ensure it remains in line with your risk profile and investment objectives. Given your high-risk tolerance and long investment horizon, you may consider rebalancing annually or semi-annually to maintain the desired asset allocation.

During the rebalancing process, assess the performance of each fund relative to its peers and benchmarks. If any fund significantly deviates from your expectations or exhibits underperformance, consider reallocating funds to more promising opportunities within your portfolio.

Additionally, keep an eye on changes in market conditions, economic outlook, and regulatory developments that may impact your investment strategy. Staying informed and adaptable is key to navigating the dynamic landscape of financial markets effectively.

Remember, while high-risk investments have the potential for higher returns, they also come with increased volatility and uncertainty. Stay focused on your long-term goals, and avoid making impulsive decisions based on short-term market fluctuations.

Best Regards,

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

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Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Money
I am 37 years old and doing below SIPs, please suggest if these are decent funds? Mirrae Asset Large & Mid Cap - 3000 Quant Small Cap - 5000 PGIM Mid Cap - 5000 Axis Mid Cap - 2500 Nippon Small Cap - 5000 UTI Nifty 50 Index - 3000 UTI Nift Next 50 Index - 2000 Parag Parikh Flex Cap - 3000
Ans: It's impressive to see your commitment to systematic investment plans (SIPs) at this stage of your financial journey. Your selection showcases a thoughtful mix of funds across various categories, reflecting a well-diversified approach.

Diversification is key to managing risk, and your choice of funds spanning large & mid-cap, small-cap, and flexi-cap categories demonstrates a balanced strategy.

As a Certified Financial Planner, I commend your focus on actively managed funds over index funds. While index funds offer lower expense ratios, they lack the potential for outperformance that actively managed funds can provide, especially in volatile markets.

However, it's essential to regularly review your SIPs to ensure they align with your financial goals and risk tolerance. Market dynamics and fund performance can warrant adjustments over time.

Consider consulting with a certified financial planner periodically to reassess your investment strategy and make informed decisions based on changing market conditions.

Remember, patience and discipline are crucial virtues in long-term investing. Stay committed to your financial plan, and you'll reap the rewards of disciplined investing over time.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |1792 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Money
I am 37 years old and earning 3 lakhs a month. I have around 30 lakhs investment in mutual fund. I have a 5 year old son. 1.5 crore term plan. 1 lic policy with 40k annual premium maturity date in 2030. I own a flat in Noida worth 60 lakhs. No loans. I have invested around 25 lakhs in shares also. 10 lakhs in epf. 1.6 lakhs in nps.q I am thinking to retire at 40. Any suggestions?
Ans: It's evident you've put considerable thought into your financial future, and you're already on the right track. Your diversified investment portfolio and prudent financial habits reflect your commitment to achieving your retirement goal.

Retiring at 40 is indeed an ambitious aspiration, but with your dedication and strategic planning, it's within reach. It's essential to continue monitoring your expenses and maximizing your savings potential to ensure you're on course to meet your objectives.

As a Certified Financial Planner, I commend your foresight in securing a robust term plan and maintaining a healthy emergency fund. These measures provide a safety net for you and your family, offering peace of mind amidst life's uncertainties.

While real estate can be lucrative, I appreciate your focus on alternative investment avenues, such as mutual funds and shares. Diversification is key to managing risk effectively, and your portfolio reflects a well-balanced approach.

Remember to regularly review and adjust your financial plan as circumstances evolve. Life is dynamic, and flexibility is crucial in adapting to changing needs and market conditions.

Continue staying informed about financial trends and seek guidance from professionals when needed. Your proactive approach to financial management sets a commendable example for others aspiring to achieve financial independence.

Best Regards,

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

...Read more

Career

Career Coach  |40 Answers  |Ask -

Workplace Expert - Answered on May 09, 2024

Asked by Anonymous - May 09, 2024Hindi
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Career
I am a single mother who lost her job during Covid. I took up some freelancing and WFH jobs to survive and pay bills but it's not enough. I am a commerce graduate. Can you suggest some skilling courses that can help me earn up to Rs 50,000 per month?
Ans: Hi,

Let's see some options that will allow you to earn a decent income while giving you the flexibility to fulfill your responsibilities as a single mother.

1. Digital Marketing:
Fear not, digital wizardry is a flexible craft! With the power of remote work and flexible hours, you can weave your digital spells while still being there for your little one. Embrace the balance of work and family, and watch as your skills and income grow like magic!

2. Accounting and Bookkeeping:
As you sharpen your number-crunching skills, remember that balancing work and family is an art form in itself. With the right tools and time management tricks, you can conquer your financial duties while still being the superhero your child needs.

3. Graphic Design:
Let your creativity soar and your worries fade away! With the freedom of freelancing and remote gigs, you can design your own schedule to fit around your family commitments. So, embrace the chaos, channel your inner artist, and watch as your designs and dreams take flight!

4. Web Development:
Ride the waves of the digital ocean with confidence! As you master the web development craft, remember that flexibility is the key to success. With the freedom to work from home and set your own hours, you can navigate the waters of parenthood while still making waves in your career.

5. E-commerce Management:
Chart your course through the e-commerce seas with ease! With the flexibility of online business management, you can steer your ship while still being the anchor for your family. So, set sail with confidence, knowing that you have the power to navigate both work and motherhood like a true captain!

Remember, you're not alone on this journey. With a bit of creativity, resilience, and a sprinkle of magic, you can conquer both the challenges of work and the joys of motherhood with grace and confidence. So, set your sights on your goals, embrace the adventure ahead, and watch as you soar to new heights of success—both in your career and as a loving parent!

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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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