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Ravi

Ravi Mittal  |179 Answers  |Ask -

Dating, Relationships Expert - Answered on May 30, 2023

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
TRS Question by TRS on May 29, 2023Hindi
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Relationship

This is the first time that i'm having a crush on a boy. He is in my college. For the past few years i am looking him, but never managed to talk to him, i want to talk to him and tell him about my feelings, please help me how do I start?

Ans: Dear TRS,

I am glad to know you are finally thinking of talking to your crush. There is nothing to be worried about; be brave, go up to him, and introduce yourself. Don't start with, "Hey, I like you." Instead say something like, "I have seen you here a couple of times. Which year are you in?" Something that will get the conversation started without making it too obvious that you have a crush on him and yet leave some hint of that being a possibility. Just to be on the safer side, prepare some conversational topics in your mind.

If you feel awkward, understand that it is normal. It's a big step and the important part is that you are ready to take it. You can do a little digging on him and find something common between the two of you and talk about that. Once you notice him reciprocating the same interest in you, you can confess how you have been feeling. But my advice is to talk to him for a while, as a friend, evaluate the guy, and then tell him about your feelings. You have only known him from far away; what if you don't like his personality? Take the time to know him; if he's the right person for you, things will work themselves out.

Best Wishes!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2022

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Relationship
Dear Love Guru Offline college has started and, in the very first week, I have really, really liked this boy. I am not a frivolous kind of person and I never thought something like this would happen to me college. We don’t know each other really, we are just classmates. It’s all very awkward for me and my friends can see I like him and they tease me. It will be worse if he comes to know. I cannot discuss this with my family, I don’t want advice from my friends who are my age. Can you tell me what I should do now? Confused
Ans:

It’s just a college crush, my dear…nothing to get so uptight about. It’s normal at your age.

You can tell your friends you don’t want him to know, but so what if he does? Maybe he likes you too or will ask you out?

There’s really no set course to follow in these matters. Just enjoy your college days and years!

 

Dear Love Guru
This is not exactly a love problem but kind of related.
My ex and my good friend are engaged and it’s left me feeling very awkward.
It’s uncomfortable to see her with him.
I don’t want to give up the group or them because we are all very good friends.
Everyone’s struggling to adapt to the new dynamics and I’m feeling bad.
How do I handle this?

The way you’re feeling is perfectly natural and this situation is more common than you think.

I know of someone who has been in the exact same position as you and he was the bigger person back then.

Today, things are so normal between him and the couple; they’re still good friends and laugh about what was a few years ago.

My point is, what you want to achieve -- a new normal -- is very possible.

Since you’re all within the same group, I’d suggest riding things out. You make an effort to normalise things and they will do the same. The new dynamic will become the norm in time, you’ll see.

Let time take away your discomfort. It will.

 

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Ravi

Ravi Mittal  |179 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 17, 2023

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Relationship
Hi, i really need a boyfriend. I meet a guy and felt for him, can't get him out of my way. I really need him. Please help me to impress him.😒😣
Ans: Dear Debayati,

I am glad to hear you found someone worth putting in the effort. While there is no one-size-fits-all approach to impressing anyone, here are some general and proven ways to realistically impress someone:


• Don't force your feelings on him; let him fall for you because he wants to, not because you stressed him into doing so. Any relationship built on such foundations has ever worked out.
• Let him see your wit; emotionally-mature men like intelligent women who are not scared to put forward their opinion and challenge set ideas. Please don't play dumb; it is not attractive. And if your man thinks it's cute, you better reconsider your feelings for him.
• Be yourself. Overdoing and altering anything, be it the way you dress or the way you talk or your behavior in general will not help with impressing him. Instead, he will see a version of you that is made up and might or might not fall for that version; but it isn't you, and he isn't falling for you. So it's better you be yourself and see where it goes.
• Indulge him in talks about his interests and passions. Men have some interests that are known to bore most women, for instance, cricket. Talk about that topic and let him believe he has hit the jackpot by finding a woman who's interested in his passions.
• Humor and wit go hand in hand. Crack occasional jokes. Men, not unlike women, love to have a good laugh.
• Some flirting is healthy; send flirty texts once in a while, for instance, "You look cute," etc. Whatever you are comfortable with; the idea is to be present even when you aren't physically there with him.

Hope this helps.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi
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Money
Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.
Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 27, 2024Hindi
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Money
Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then
Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 01, 2024Hindi
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.
Ans: It's wonderful to see your proactive approach towards investing and securing your family's financial future. Investing in mutual funds through SIPs can be a great way to start building wealth gradually over time.

For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

For your daughter, she can also opt for SIPs in equity funds aligned with her risk tolerance and long-term financial objectives. Encouraging her to start investing early can help her harness the power of compounding and achieve her financial goals.

To start investing in mutual funds, you can approach a Certified Financial Planner or a mutual fund distributor who can guide you through the process, help you select suitable funds, and assist with the necessary paperwork.

Remember, investing is a journey, and it's essential to stay disciplined, patient, and well-informed along the way. With dedication and the right guidance, you can pave the way towards a financially secure future for your family.
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

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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