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Anu Krishna  |1153 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Jul 27, 2024Hindi
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Relationship

Hi Anu, I am a 40 years old single guy who is into software development at a MNC and I work from home 5 days a week. No dependent parents as well as they've expired. I tend to get jealous when I hear of people in my company going abroad for work. I had been to US once for 2 weeks around 16 years ago. I hardly mixed with people during my stay there. I always find people in the US very fake and they laugh at stupid jokes amongst themselves and sort of look down upon Indians and do not include them. I'm an introvert anyway, barely know my neighbours in the same building well enough. I do not have any loans and I don't really spend much (5% income expenses, remaining I invest in stocks or MFs or FDs). I also feel women in US or Europe or Australia are more liberal when it comes to sex, so it is easier for me to get laid as compared to India. There are stripclubs and nude beaches too in these countries. I've never been in a relationship and have slept with just 2 call girls so far in India. I've recently been diagnosed with diabetes too and so my erections are not strong enough like they used to be. I am not very good at buttering bosses. My command over English is good but I do not sound assertive at times, my bosses say you do your work well but you need to be more vocal and highlight your work too. Keeping all these points in mind, should I try for a long term/short term stint abroad through my company and approach my boss for the H1-B/L-1 visa or UK work permit or Australian visa or just occasionally visit these countries once a year? I don't know cooking so not sure how I'll manage abroad all by myself. Please guide me, I'm super confused.

Ans: Dear Anonymous,
Why should you not apply abroad if you have the necessary skills that a job may require?
But, I see a few distortions in your thinking and since you have shared them here, I will point them out for you.
Your small cocooned world has led you to believe things that may not necessarily be true.
- Not all women in the US or Europe or Australia are liberal to sleep around with just about anyone
- Not all people in the US are fake and them laughing at jokes may seem stupid to you
- Not all people in the US look down upon Indians

Can you see that your narrow vision about people abroad has brought about certain conclusions in your mind which may not necessarily be true? Better to wear broad thinking glasses with a vision that is more accepting of people for who they are. You maybe surprised at the number of friends that you make. This thinking correction will help you before you land for a job there and live there long-term.

As for your diabetes-related condition, you must visit a doctor who will be able to guide you appropriately. It can be managed effectively with medications and lifestyle changes.
Regarding how you can be more assertive, join a Communication Skills class where verbal and non-verbal skills are taught and practiced.
Take a step forward in a positive direction and a lot of channels will open up...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
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Nitin

Nitin Narkhede  |4 Answers  |Ask -

MF, PF Guru - Answered on Sep 10, 2024

Asked by Anonymous - Sep 06, 2024Hindi
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Money
I am 16 and I want to invest in mutual funds. I get pocket money of Rs 3000 per month. After cutting costs, I save about Rs 1200-1500 per month. Can I invest this in SIPs? My goal is to buy a Yamaha bike In December 2025 for my 18th birthday which costs Rs 1.5 lakh. I have already saved Rs 40,000. Where can I invest so that I can double my savings by next year? Please advice
Ans: Dear
It’s awesome that you’re thinking about investing at such a young age! Your goal of buying a Yamaha bike for your 18th birthday is achievable with the right investment strategy. Let’s break it down:
1. SIP (Systematic Investment Plan) for Your Monthly Savings you can absolutely invest your savings in SIPs. With Rs 1200-1500 available per month, SIPs are a great way to start investing in mutual funds. They allow you to invest small amounts regularly, and over time, you can benefit from compounding and rupee-cost averaging, which means your money can grow steadily. However, since your goal is just over a year away (December 2025), you’ll need to invest in something that balances growth with moderate risk, because mutual funds, especially equity ones, can be volatile in the short term.
2. How Much You Need to Save - Your target is Rs 1.5 lakh, and you’ve already saved Rs 40,000.- So, you need Rs 1.1 lakh more by December 2025. - You have roughly 15 months left, meaning you need to save or grow your savings by about Rs 7333 per month to meet your goal.
3. Investment Options - Given your short time frame, here are a few options to consider: - Hybrid or Balanced Mutual Funds: These funds invest in both stocks (equity) and bonds (debt), providing moderate growth with relatively lower risk than pure equity funds. While they might not double your savings in a year, they can give you better returns than a bank savings account. On average, you could expect returns of 8-10% per year. - Debt Mutual Funds: These are safer compared to equity mutual funds but offer lower returns, typically 6-8% per year. Debt funds might be a good option if you want to minimize risk, though they won't give huge returns in a short time. - Recurring Deposits (RDs): If you’re looking for safety and guaranteed returns, an RD in a bank might be a safer option, though the returns will be around 5-6%. This won’t help double your money, but it’s secure.
4. Doubling Your Money in a Year- While it’s tempting to look for ways to double your money quickly, it’s important to understand that high returns usually come with high risk. Investing in high-risk options like **stock trading** or **cryptocurrencies** could lead to losses, especially over such a short period.
Unfortunately, doubling your money in just over a year is not realistic without taking on significant risk. A better approach is to aim for stable growth and possibly adjust your bike budget or timeframe if necessary.
5. Action Plan - Start a SIP in a **balanced or hybrid mutual fund** with your monthly savings of Rs 1200-1500.
- Continue saving as much as possible to reach your target.
- Be cautious of high-risk investments, as they could hurt your savings in the short term.
So the Conclusion that by investing in SIPs and sticking to a disciplined savings plan, you should be able to get close to your goal. While doubling your money may not happen within a year, steady growth will help you build towards your dream bike.
If you need more personalized advice, consider speaking to a financial advisor to find the best funds for your situation.

Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

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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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