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Shalini

Shalini Singh  |140 Answers  |Ask -

Dating Coach - Answered on Jul 05, 2024

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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kishan Question by kishan on Jul 01, 2024Hindi
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Relationship

im in a long relation ship with my girl friend 10 years . I want to marry her but some cast issue against them. how can we resolve that problem.

Ans: Do not let cast come in between both, explain to the families. If they do not agree, then you need to decide.

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Anu

Anu Krishna  |1391 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Relationship
Hi Anu, I am in a relationship with a girl from my office for nearly 1.5 years now. We both speak Marathi only sub caste is different.At start of our relationship we discussed about it as she tells me her parents will not support her, so I convinced her that I will support her in every way possible to convince her parent and will stand with her though every situation. I am 31 years old and she is 27. Her parents told her that she has 2 years for marriage so she is currently focusing on career right now.My parents are forcing me for marriage. As her family has issues with my subcaste and she is not willing to disclose our relationship for another 2 years. So I told her that I will wait for 1 year then we can disclose our relationship to both families mines and her, if your family agrees we can wait for one more year so that she can focus on career and she can get 2 years as per her parents. Moreover I will always support her in career and family issues. But still she is not ready she told me that she will not tell her family about our relationship until 2 years are complete. Can you please suggest me any solution for this?
Ans:

Dear TG,

At this point, what is missing for you possibly is if after the wait, if she will still be there in the relationship?

If she isn’t willing to complicate her family life at this point in time, I guess she has valid reasons for that which must be respected.

But what If the two of you sit down where you can put down your feelings and find an amicable way of easing this.

I am sure there are a lot of ifs and buts that is making you feel the way that you are. It is only imperative that you called out to her and be firm and assertive as to how this might be playing in your mind.

For all you know, once she hears your side of the story and she shares hers, solutions emerge from that especially when the commitment is strong.

So, have that one meaningful conversation where feelings, fears and insecurities are shared and watch how the two of you will come up with something wonderful as a solution.

All the best!

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Kanchan

Kanchan Rai  |435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 30, 2024

Asked by Anonymous - Sep 27, 2024Hindi
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Relationship
Hello Mam, My concern is about my love marriage. My parents are not ok with my inter caste marraige but I love the person since 9yrs. My partner is living near our house so all my family knows him well. Though he was not so rich at that time and he was working in his uncle's shop so my parents have a negative perspective regarding that. But now he is settled down he owe his house too. But still my parents are not ok with him. While asking to my parents there answer is he is not your type. My mother has a concern about my future that I will not be able to live happily with him. My mother use to tell me that he is having affairs with other gurls in past and if he does the same in future and torture or harass you then there will be nobody standing beside you as you have done love marriage. I am pretty much sure that he is not having any drastic past that my mother perhaps heard from anyone. But I don't understand how to convince and make her realise that. Simultaneously my partner has a worst habit of anger which is a big sign of disrespectful for which I am in a dilemma what to do. Kindly help me out that how can I make my partner understand and simultaneously my parents.
Ans: First, it’s important to acknowledge your parents' fears, as they often stem from a place of love and concern for your well-being. When discussing your relationship with them, try to have an open and honest conversation. Share your feelings and the strong bond you have with your partner. Highlight the positive changes he has made in his life and how committed he is to your future together. If you can, invite them to see your partner in a different light by arranging casual meetings or family gatherings. This may help alleviate some of their worries, as they can see firsthand the person you love.

However, you also need to reflect on the concerns your mother has raised regarding your partner’s past and anger issues. These are serious points that shouldn't be overlooked. It’s crucial to have a candid discussion with your partner about his temper. Express your feelings about how his anger affects you and your relationship. Ask him to be open about his past and to reassure you about his commitment to a healthy, respectful relationship moving forward. If he truly values your relationship, he should be willing to address this aspect of himself and work on it.

Consider suggesting couples counseling or anger management if he struggles to manage his emotions. This shows that you care about the relationship and want to build a future together. It’s important to feel secure in your relationship, especially when facing external pressures.

Balancing your parents’ concerns and your love for your partner can be challenging, but clear communication with both parties is key. Be honest with your parents about your feelings and be proactive in addressing their concerns with your partner. Ultimately, you deserve a partner who respects you and your family while being committed to your happiness. If you can find a way to navigate these conversations, it will help you build a stronger foundation for your future together.

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Ramalingam

Ramalingam Kalirajan  |7254 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2024

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Money
I have 20 lakhs in my account and a house in my name. At present I am not earning. I have taken SBI Life smart wealth builder with installment of 1Lakh, for 12 years and premium payment term of 7 years. Applicable tax rate is 18%. I also invested in MF and taken a health insurance. I am thinking if it would be wise to continue with the SBI life. If I close SBI life and invest that in MF will it be beneficial for me? I have taken a break from my career due to health issues, and planning to continue with my job soon with an expected income of 40-50k. I am 50 years old. I need to take care of my son's (18 years) higher studies and plan for my retirement.
Ans: You are in a transitional phase with important financial goals. Let’s assess your options to make informed decisions.

Assessing SBI Life Smart Wealth Builder Policy
High Cost of Policy: The policy includes administration charges, fund management fees, and taxes of 18%.

Limited Returns: ULIPs often provide lower returns compared to actively managed mutual funds.

Lock-in Period: Your policy locks funds, restricting liquidity for immediate goals.

Surrender Value: Check the surrender value. Early surrender might lead to penalties and reduced returns.

Potential Benefits of Investing in Mutual Funds
Higher Returns: Mutual funds, especially actively managed ones, often outperform ULIPs over time.

Flexibility: You can withdraw funds based on your needs, offering better liquidity.

Diversification: Mutual funds provide exposure to different asset classes, reducing risk.

Cost Efficiency: Investing through a Certified Financial Planner minimises hidden charges and optimises returns.

Managing Your Rs. 20 Lakh Corpus
Emergency Fund: Set aside Rs. 5-6 lakhs in liquid funds or fixed deposits for emergencies.

Education Planning: Allocate funds in short-term debt mutual funds or recurring deposits for your son’s higher studies.

Retirement Corpus: Invest the remaining amount in a mix of equity and debt mutual funds for long-term growth.

Health Insurance Adequacy: Review your existing health insurance to ensure sufficient coverage.

Planning Your Income Resumption
Once you resume work, save at least 20-30% of your income.

Prioritise retirement contributions alongside education planning.

Use surplus income to reduce financial dependency on investments.

Tax Efficiency
Mutual Funds: Equity mutual funds provide tax benefits but watch for LTCG above Rs. 1.25 lakh (taxed at 12.5%).

Surrendering ULIP: Check tax implications on surrender proceeds. ULIPs offer tax exemption if premiums don't exceed 10% of the sum assured.

Health Insurance: Claim Section 80D deductions for premiums paid.

Strategic Steps Forward
Review the policy surrender value. If penalties are high, consider continuing till break-even.

Consult with a Certified Financial Planner for a detailed portfolio review.

Set realistic timelines for education and retirement goals.

Maintain separate funds for short-term needs and long-term growth.

Finally
Your proactive approach will create a strong financial foundation. By reallocating your resources wisely, you can secure your son’s education and your retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7254 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2024

Asked by Anonymous - Dec 11, 2024Hindi
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Money
I am going to retire soon with retirement fund of 2 Cr along with pension sufficient for me and my spouse. I have own builder flat in Delhi and health coverage. I have one married daughter who is well settled with 2 kids under 5 years. One flat in my building is on sale for 2 Cr. I need advice for investment for 2Cr retirement fund . Should I buy the flat in my building or should I invest 2 Cr in senior citizen saving scheme, post office MIS , fixed deposit in Bank. My spouse of same age is also earning equally.
Ans: Retirement is a significant phase of life, and your financial decisions now will shape your future security and lifestyle. Let’s analyse your situation and investment choices.

Assessing Your Current Position
You have a retirement fund of Rs. 2 crore, which is substantial.

Your pension adequately covers your and your spouse’s living expenses.

Your spouse’s earnings provide an additional safety net.

You own a flat in Delhi and have health insurance coverage.

You have no immediate financial dependency, as your daughter is well-settled.

Should You Invest in Real Estate?
Avoid investing Rs. 2 crore in another flat, even if it is in your building.

Real estate offers low liquidity, making it harder to access funds in emergencies.

Rental income might not justify the high capital investment, considering property management costs and potential downtime.

Real estate lacks diversification compared to other investments, increasing risk.

Alternative Investment Options
1. Senior Citizen Savings Scheme (SCSS)
SCSS is a secure option offering fixed returns for retirees.

Invest up to the permissible limit for predictable and regular income.

It is a low-risk investment backed by the government.

2. Post Office Monthly Income Scheme (MIS)
Post Office MIS provides guaranteed monthly income.

It is another safe choice for retirees with capital preservation as a priority.

Returns, though lower, are steady and reliable.

3. Bank Fixed Deposits
Fixed deposits (FDs) offer fixed returns and flexible tenures.

Senior citizen FDs provide slightly higher interest rates.

Split the funds across different banks for better safety and liquidity.

4. Balanced Investment in Mutual Funds
Invest in a mix of debt and equity mutual funds for moderate growth and stability.

Actively managed funds through an MFD with a Certified Financial Planner can optimise returns.

Debt mutual funds provide stable returns while equity offers growth potential.

Avoid direct funds due to their complexity and the need for constant monitoring.

5. Liquid Funds and Emergency Reserve
Allocate a portion to liquid funds for quick access in emergencies.

These funds are more effective than savings accounts for parking surplus money.

Maintain an emergency reserve for at least 24 months of expenses.

6. Inflation-Protected Investments
Some funds and bonds are designed to protect against inflation erosion.

These investments ensure your purchasing power remains intact over time.

Tax Considerations
Plan investments to minimise tax liabilities under your income bracket.

Be aware of the latest tax rules on mutual funds and fixed deposits.

Capital gains from equity investments over Rs. 1.25 lakh are taxed at 12.5%.

Fixed deposit interest is taxed as per your income slab. Plan withdrawals accordingly.

Succession Planning and Gifting
Consider creating a detailed estate plan to avoid future legal hassles.

Set up nominations and update wills to ensure smooth wealth transfer.

You may gift small amounts to your daughter or grandchildren under tax-free limits.

Final Insights
Investing your Rs. 2 crore retirement fund wisely ensures peace of mind and financial stability. Opt for a diversified approach balancing safety, liquidity, and moderate growth. Avoid locking all funds into real estate to keep your portfolio flexible. Thoughtful planning now will safeguard your golden years and your family’s financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Kanchan

Kanchan Rai  |435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 11, 2024

Asked by Anonymous - Dec 11, 2024Hindi
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Relationship
Whenever I argue with my partner, it quickly escalates into something bigger than it should be. I don't express how much I love them, but I feel like our communication is breaking down. How can I improve this situation?
Ans: It’s clear that you deeply care about your partner and the health of your relationship, but recurring arguments and a lack of expressed love are creating a disconnect. To nurture love and clarity in your communication, it’s essential to create an emotional space where both of you feel safe, valued, and understood—even during disagreements.

When arguments arise, they often escalate because emotions are heightened, and both people feel the need to defend their perspective. To shift this dynamic, start by focusing on emotional regulation in those moments. Take a deep breath and remind yourself that you’re both on the same team, even if you see things differently. This small pause can prevent reactive words or actions that might escalate the conflict further.

Outside of conflicts, consider the daily emotional climate of your relationship. If love isn’t being expressed regularly, your partner may feel insecure or disconnected, which can intensify disagreements. Begin to nurture love by weaving simple but heartfelt expressions of care into your everyday interactions. This might be as simple as saying, “I appreciate you,” giving a warm hug, or acknowledging something they did, however small. These gestures build emotional reserves that make handling tough conversations easier because they remind both of you of the underlying bond.

When it comes to communication, try reframing the way you approach disagreements. Speak from your feelings rather than placing blame. For instance, instead of saying, “You’re not listening to me,” try, “I feel unheard, and it’s making me frustrated.” This subtle but powerful shift fosters understanding rather than defensiveness. Equally important is listening with an open mind. Practice reflecting back what your partner shares to show you’re truly hearing them. For example, “I hear that you’re upset because you feel I didn’t prioritize you—am I understanding that correctly?”

Love is nurtured in the moments between conflicts—through trust, small acts of kindness, and consistent emotional support. Reflect on what makes your partner feel loved and cherished, and intentionally incorporate those actions into your daily life. At the same time, share what you need emotionally so they understand how to nurture you too. This mutual exchange strengthens your connection and creates a deeper sense of partnership.

Finally, consider having a calm, heartfelt conversation about how you both want to handle conflicts and express love moving forward. Creating shared goals for your relationship can bring clarity and purpose, helping you both feel aligned. By approaching your relationship with patience, empathy, and intentional care, you can not only resolve current challenges but also nurture a love that feels steady, secure, and fulfilling.

...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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