Hi Anu,
Hope you are well. I have recently started reading your column and I like the way you give suggestions and help people to overcome whatever issues they are going through in this beautiful journey called life.
There is something that I would like to tell you and would need your suggestion and advise.
There is a lady whom I know for over 4 decades living close to my house. Her father and my father are colleagues and used to work together and they are best friends. She knows me right from a very early age and she is quite elder to me by 8 or 10 years perhaps.
Recently I happened to send her some MMS porn clips which I got from a group. I thought she will shout at me and block me...but she didn't do that. I still send her sometimes when I get such clips. Recently she said that this is not real. I don't know what she means by that. During my adult years when I was 21-22 years old I used to fantasise having a physical relationship with her. I had my own reasons because of the way she used to behave with me when I’d go to her house. But I never tried initiating it maybe because of lack of confidence or fear of getting scolded by her. Her kids are studying in America (masters level) and United Kingdom (graduation level).
Few months ago I lied to her that there is a lady near my office who is the divorcee and is trying to get close to me physically and she is inviting me to her house a couple of times. The reason I told her this lie was to know how she will react...
The moment I told her this she told me don't go to such people, just avoid her and tell her that you are in a relationship with me. I even told her that the lady who is the divorcee is asking me if I am having a physical relationship with her whom I know since childhood days. She just laughed and said your divorcee friend is mad...She even said that the divorcee friend (whom I created out of my imagination) is stuck because of my childhood friend.
Whenever I ask my childhood friend to meet up she always tells me that she is busy and that she does not like anyone coming to her house because her husband might not like it.
Anu what do you think? Is my childhood friend whom I know for 4 decades interested in having a sexual relationship with me but is not initiating it thinking that it will affect our married lives. Women will not do anything that will disturb their life security system. She is very rich because her husband is a corporate employee holding a leadership position and well paid around a crore per year. Will she allow me if I initiate sex with her?
Please understand that I don't know how to initiate that as she doesn't want me to visit her in her house. She doesn't go out much but rather spends time home and goes out with her husband for Sunday church mass sometimes or goes to the nearby chapel for praying.
I am happily married for the last 12 years.
Last week also I sent her an MMS and she replied with an emoji (a grinning face with star eyes). What does this mean?
Is she really wanting to have sex with me but waiting for me to initiate or she is doing time pass with me? I am willing to get physical with her.
Please advise me... Thanks for reading this till the end.

Ans: there is no such concept of minimum amount block for IPO, this is a Scam, please stay away from such applications and save your hard earned money.

Ans: use symbol as "KAYNES" you can add it

Ans: dear giri, can you plz confirm which broker app or website are you using, can you plz share some details so i provide you my inputs.

Ans: such group and platforms are scamsters, stay away from them. They themselves are illegal.

Ans: Hi Pradeep,
Yes, it is possible. The process is very simple. Before my comments, I would like to know your domicile or nativity (maybe MP based on your father's details, I am predicting). Kindly share the same.

BEST WISHES.

Ans: its a scam, plz file compliant with cyber crime

Ans: I appreciate your early step into disciplined investing.
Starting SIPs shows long-term thinking.
Beginning small builds confidence and learning.
Your willingness to ask questions is healthy.

» Your Current SIP Action Review
– You started SIP of Rs 3,000 monthly.
– SIP duration is three months.
– Investment is through a bank mobile app.

This shows good initiative.
Early habits shape future wealth.

» Understanding Your Chosen Fund Category
– The fund belongs to small-sized companies category.
– Such funds are high risk.
– Such funds give high volatility.

Returns can be uneven yearly.
Patience is very important here.

» Suitability Of Small Company Funds
– Small companies grow faster sometimes.
– They also fall harder during corrections.
– Not suitable as first-only investment.

Exposure should be limited initially.
Balance is essential.

» Starting Early
– You started without waiting for perfection.
– Many delay investing unnecessarily.
– Action matters more than perfection.

This mindset helps long-term success.

» Risk Awareness Is Necessary
– Small company funds fluctuate sharply.
– Short-term losses are common.
– Emotional control is required.

Three months is too short to judge.
Time horizon should be long.

» Minimum Suggested Time Horizon
– Such funds need at least seven years.
– Shorter periods cause disappointment.
– SIP helps reduce timing risk.

Consistency matters more than returns initially.

» Bank App As Investment Platform
– Bank apps are generally safe.
– Transactions are regulated.
– Holdings are stored with registrars.

Platform safety is not the main risk.
Investment choice matters more.

» Limitations Of Bank Apps
– Limited guidance provided.
– Product pushing is common.
– Advice is not personalised.

Banks focus on convenience.
Planning depth is usually missing.

» Bank Staff Support Limitations
– Staff change frequently.
– Knowledge levels vary.
– Long-term accountability is absent.

This affects continuity of advice.

» Safety Of Investments Versus Platform
– Funds are held in your PAN.
– Platform failure does not erase investments.
– Units remain safe with fund house.

So platform safety fear is minimal.
Decision quality matters more.

» Planning Another SIP Thought
– You want another Rs 3,000 SIP.
– Total SIP becomes Rs 6,000 monthly.

This is positive growth behaviour.
But structure needs correction.

» Platform Comparison Perspective
– You plan using another app.
– Such apps promote self investing.
– Guidance quality is limited.

Ease should not replace planning.

» Direct Platform Reality Check
– Such apps promote direct plans.
– Expense difference looks attractive.
– But hidden costs exist.

Cost is not only expense ratio.
Mistakes cost more.

» Disadvantages Of Direct Plans
– No personalised advice.
– No behaviour guidance during falls.
– No portfolio review support.

Investors act emotionally without guidance.
This hurts returns badly.

» Decision Errors In Direct Investing
– Panic selling during market falls.
– Overconfidence during rallies.
– Frequent fund switching.

These mistakes destroy compounding.
They are very common.

» Lack Of Accountability In Apps
– Apps do not call you.
– Apps do not stop wrong actions.
– Responsibility lies fully on investor.

This is risky for beginners.

» Why Regular Plans Add Value
– Guidance helps discipline.
– Asset allocation stays balanced.
– Behavioural mistakes reduce.

Value is beyond commission.
Support matters during volatility.

» Role Of MFD With CFP Credential
– Certified Financial Planner gives structure.
– Advice aligns with goals.
– Long-term handholding exists.

This improves investment experience.
Returns become smoother.

» Cost Versus Value Perspective
– Direct plans save small percentage.
– Wrong decisions lose big percentages.

Net outcome matters more.
Peace of mind matters too.

» Your Current Portfolio Concentration Risk
– Only one equity category exposure exists.
– Risk is concentrated.
– Diversification is missing.

This increases volatility risk.
Balance is needed urgently.

» Importance Of Diversification
– Different funds behave differently.
– Market cycles impact unevenly.
– Balance reduces shock.

Diversification improves consistency.

» Ideal SIP Structure For Beginners
– One aggressive component.
– One stable growth component.
– One flexible allocation component.

This spreads risk evenly.
Comfort increases automatically.

» Why Avoid Multiple Apps
– Tracking becomes confusing.
– Discipline weakens.
– Reviews become difficult.

One guided platform is better.
Simplicity improves adherence.

» Data Security Perspective
– Apps are regulated.
– Data security standards exist.
– Risk is minimal.

But advice quality remains missing.

» Behaviour During Market Corrections
– Small company funds fall sharply.
– Beginners panic easily.
– SIP stoppage becomes tempting.

Guidance prevents wrong reactions.

» Emotional Support Value
– Markets test patience.
– Fear appears suddenly.
– Someone must guide.

Apps cannot replace humans here.

» Why Starting With Only Small Companies Is Risky
– Volatility is high.
– Returns are uneven.
– Confidence may break early.

Balanced start builds trust.

» Gradual Exposure Approach
– Start with core stability.
– Add aggression slowly.
– Increase risk with experience.

This improves journey comfort.

» SIP Amount Increase Strategy
– Rs 6,000 is fine initially.
– Increase annually with income growth.
– Discipline matters more than amount.

Time creates wealth here.

» Tax Awareness Brief
– Equity funds tax applies on selling.
– Long-term gains have limits.
– Short-term gains are taxed higher.

Holding longer improves efficiency.

» Avoid Frequent Changes
– Switching funds harms compounding.
– Costs increase silently.
– Discipline reduces regret.

Stick to strategy firmly.

» Monitoring Frequency
– Review once a year.
– Avoid monthly checking.
– Noise causes confusion.

Long-term vision matters.

» Avoid Social Media Influence
– Tips are often misleading.
– Past returns are highlighted.
– Risk is hidden.

Structured advice avoids traps.

» Role Of Goal Mapping
– Define why you invest.
– Time horizon matters.
– Risk choice depends on goals.

Without goals, investing feels stressful.

» Emergency Fund Reminder
– Keep emergency money separate.
– Do not mix with SIPs.
– Liquidity is essential.

This prevents SIP stoppage.

» Insurance And Protection Check
– Health cover should be adequate.
– Life cover matters if dependents exist.

Protection supports investment continuity.

» Long-Term Wealth Mindset
– Wealth grows slowly.
– Patience beats intelligence.
– Process beats prediction.

Consistency wins always.

» Common Beginner Mistakes To Avoid
– Chasing last year returns.
– Using too many apps.
– Ignoring allocation balance.

Awareness saves money.

» How A CFP Helps In SIP Planning
– Designs suitable allocation.
– Reviews yearly changes.
– Guides during volatility.

This partnership adds value.

» Confidence Building Perspective
– You already started investing.
– You are learning actively.
– Improvement is natural.

This journey will get smoother.

» Platform Safety Final View
– Bank app is safe.
– App based platforms are safe.
– Investment safety lies with fund house.

Decision quality matters more.

» Final Insights
– Starting SIP is a good step.
– Small company exposure is risky alone.
– Diversification is necessary now.
– Avoid self-direct platforms initially.
– Regular plans with CFP guidance add value.
– Consistency and discipline build wealth.

You are on the right path.
Correct structure will improve outcomes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: Here is a point-by-point reply to your query: (1) BPT (Bachelor of Physiotherapy) lateral entry is NOT officially allowed by most universities/UGC. (2) Some private colleges offer lateral entry, but this can be risky. (3) Such BPT degrees may create problems for MPT (Master of Physiotherapy) admission and government jobs. (4) Your 12th with 46% may also not meet eligibility for regular BPT in many colleges.

Suggestion - (1) Better to take regular BPT admission (1st year) only in a recognized university. (2) Or choose a different safe course instead of risky lateral entry. (It is more recommended)

The final choice/decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Dear Anonymous,
I understand it’s a tricky situation but open communication helps the most in such times. Let her know how you feel and allow her to express how she feels about the situation as well.


I just want to remind you that past cannot be changed, so holding it against someone will do no good. However, if you believe it is going to create issues in your marriage, you should discuss it before getting married and decide what to do accordingly.


Hope this helps.