Hi. Keep me anonymous. I'm in mid 40s. All my life I m a confused guy with regards to everything. Never married. Never had any love affair. I consider speaking to ladies, proposing them, love making as demeaning and bad. But occasionally I feel lonely, driven by natural human desire to love and to be loved. I have always had a desire to marry and and an equal desire to not marry. I however like more of non married life. And never , not even in dreams like making adjustments which may be required in a married life. My way is always Highway. Wt do you suggest or think in this case?? Not that I accept other's suggestions.

Ans: Can do CFA. Can look at Executive MBA if you have enough work experience. That will help you to move to Finance domain which is connected to your CA backgraound.

Ans: The claim you mention—"Invest Rs. 21,000 and earn $2 million per month"—is a classic red flag for a scam or fraudulent investment scheme. It is highly unlikely that reputed personalities would endorse such a scheme. Let me explain why you should approach such claims with extreme caution:

1. Unrealistic Returns
Promising an exorbitant return like $2 million per month from a small investment of Rs. 21,000 is highly unrealistic. Genuine investment platforms provide returns in line with market performance and risk levels, which are far less dramatic.
2. No Official Endorsement
Check the official websites or verified accounts of these personalities to confirm any claims. Misusing their names is a common tactic used by scammers.
3. Misleading Marketing
Fraudsters often use photos or quotes from famous individuals to make their schemes look legitimate. These endorsements are usually fake and done without the knowledge or permission of the individuals.
4. RBI Guidelines
The RBI regularly issues warnings against fraudulent schemes and platforms. It never endorses specific investment opportunities. Instead, it encourages investors to exercise due diligence.
5. Too Good to Be True
As a rule of thumb, if an offer sounds too good to be true, it probably is. Legitimate investments grow over time and require careful planning and risk management.
What You Should Do
Verify the Platform: Look for official documentation or licenses from SEBI, RBI, or other regulatory authorities.
Research: Check reviews and ratings on trusted financial websites. Look for independent sources, not just what the platform claims.
Consult an Expert: Speak to a financial advisor or investment consultant before putting your money anywhere.
Report Suspicious Activities: If you suspect fraud, report it to the Cyber Crime Cell or SEBI.
Would you like me to help you investigate this specific platform further? If yes, please provide the name or link, and I can assist.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: The Usual treatment of Alopecia Areata is minoxidil, steroid injections and Vitamin D, B12 supplements. The next line of therapy is Immuno suppressants at low doses which can be tried in refractory cases. PRP treatment can also be tried. Stem cell treatment is also promising, but that can be done only as a part of a research. Give sometime and try and decrease the stress.

Ans: Your decision to stop texting him first is a healthy step because relationships should feel balanced and mutual. Constantly initiating conversations can leave you feeling undervalued or unsure about where you stand. By taking a step back, you give him the opportunity to show whether he genuinely wants to engage and invest in building a connection with you. This isn’t about playing games but about respecting your own feelings and worth.

At the same time, try to observe his actions rather than just his words. Does he initiate conversations on his own? Does he make an effort to get to know you better? If he continues to show inconsistent interest, it may be a sign that he isn’t ready or committed to the idea of building a relationship right now. And that’s okay—it just means he may not be the right match for you.

Trust your instincts as you move forward. If his behavior leaves you feeling confused or unimportant, it’s okay to walk away and focus on finding someone who values you and communicates in a way that feels fulfilling. Your time and emotions are precious, and it’s important to seek a connection where you feel respected, understood, and appreciated.

Finally, don’t let this experience discourage you. These situations are part of learning what you want and need in a partner. Give yourself grace, and remember that the right relationship will come with clarity, mutual respect, and ease.

Ans: pick any large cap mutual fund

Ans: Hello;

Considering your risk appetite, you may initiate monthly sip in hybrid type of mutual fund known as equity savings fund.

Depending on the direct equity exposure the risk rating of these schemes vary from " Moderately Low" , "Moderate" & " Moderately High".

You may do own research or consult a mutual fund distributor to identify the scheme under this category best suited to your risk appetite.

Happy Investing;
X: @mars_invest

Ans: Hello;

As you approach close to your retirement all loans should be preferably cleared.

Therefore settling home loan and then making balance lumpsum & SIP investment would be most suitable approach.

Best wishes;

Ans: Hello
Since you are 37 years, married since, 5 years, primary infertility with weight gain with irregular periods and stressor
I would first advise you series of hormonal test to be done like TSH, prolactin, HBA1C, fasting insulin level, fasting and post lunch sugars, cortisol level, testosterone level, vit D and vit B12 and CBC and most importantly AMH LEVEL to know about fertility level
To do usg pelvis to rule out ovarian cyst or pcos or any other gyneac pathology.
Lifestyle modification
Daily walks, yoga, meditation, stress management or any other form of exercises which help to release endorphins, dopamine and good hormones which help to regulate the cycle
Diet: nutritious diet, green veggies, fruits, nuts, proteins, chicken, eggs (if you are non veg).
Please visit your doctor, because considering your age it's better to understand to concentrate on fertility then regularizing your cycles.

Ans: Effectively using its capital to generate profit - RoCE and ROE improving in last 2 years
Growth in Net Profit with increasing Profit Margin (QoQ)
Growth in Quarterly Net Profit with increasing Profit Margin (YoY)

The future looks bright.