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Ravi

Ravi Mittal  |679 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 18, 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
Harpreet Question by Harpreet on Mar 18, 2024Hindi
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Relationship

Hello sir ,, i am Btech degree holder 31 year unmarried boy from Punjab, India . I wanna to look girl only from USA who should be USA citizen. I tried two dating apps also since last 3 years , i sent interest to all types of profiles such as unmarried girls, divorced girls , widowed , out of caste girls , out of religion girls , but i didnot get any avail from anyone. I am serious and good looking. Please , tell me any solution , how can i connect with USA families who are seriously looking for marriage Plz tell me ,, i am in totally confusion . I will be thankful to you if you will guide me in right way sir , plz

Ans: Dear Harpreet,

I understand that it can get frustrating when things don't work out at the pace we want them to, but don't rush with such important things as love and relationships. You are only 31. Take your time. Here's my suggestion-

Write a very engaging BIO that tells everything that is to know about you and most importantly, the fact that you are looking for a serious relationship and someone settled in the USA. This way, you can eliminate people who are not interested in serious relationships and are not from your preferred location. You can also attract the right kind of people if you mention the things you want in your partner and also everything that you have to offer in a relationship. Research a little and find dating apps that cater mostly to users looking for exclusive relationships that would lead to marriage. Join the one that seems suitable for your needs. One more thing, do not focus on the quantity of matches. Focus on the quality. You don't need ten matches to find the perfect one.

Just a gentle reminder, sometimes good things take time. I understand completely that you are feeling restless but take a breath. Focus on your friends and family for a while. Focus on yourself. Once you feel this dating fatigue calming down, come back to the game recharged. I am sure you will find your match soon.

Best Wishes!

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Ravi

Ravi Mittal  |679 Answers  |Ask -

Dating, Relationships Expert - Answered on May 31, 2024

Asked by Anonymous - May 30, 2024Hindi
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Relationship
Hi sir , i am single (age 31) and lives in India , but i am looking only USA punjabi girls , i tried famous Matrimonial apps like shaadi , jevensathi etc but most of usa girls' profiles are Fake there and some are non serious. , So , please tell me name of best matrimonial apps who are only of USA punjabi girls or any other way to find life partner from US except Advt.
Ans: Dear Anonymous,

I can assure you that all the apps that you mentioned using are not at fault. Every dating and matrimony app tries its best to maintain a safe and clean platform eliminating scammers and fake profiles. Some still make it through. I am glad you were on to them before it was too late. Having said that, I can not really help you with the names of matrimonial apps from the USA. But I can tell you how to secure the right match and stay clear of fake profiles.

You can write a clear bio where you mention what you want- the type of partner, type of relationship, and more; you can also clearly mention that you are looking to get married and are serious about it, so anyone looking for a casual relationship please do not contact.

Next, once you secure a match, you can check if it's a fake profile. Do a reverse image search of their profile picture and see if they have stolen someone else's image from the web. You can check for their social media presence. Almost everyone in today's date has an active social media presence. You can also check for genuineness while chatting-
• Request for a video call. If they refuse once, it's almost normal. But if they continually keep rejecting your request, it might be a fake profile.
• Try bringing up a topic you discussed the day before. Fake users scam many people at a time. It is possible that they won't be able to recall.
• You can request to speak to their parents. Since you are matching for marriage, involving the parents is quite normal. If the user seems hesitant, they might be fake or might not be serious.

Try these methods and if anything seems amiss, unmatch and move on. A match is not a commitment. You don't have to waste time verifying a match's authenticity for too long.

Hope this helps.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2025

Money
Hi Sir, I started a SIP of 3k from 3months investing in Nipon India Small Cap fund. I started investing via \xis bank mobile app. Please suggest me if thats the safe way to do through bank app. And I am willing to start another SIP of 3k per month. Planning to do it on groww app. Please suggest some good SIP plans and guide me on how good and safe to start via groww app.
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

...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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