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Shalini

Shalini Singh  |144 Answers  |Ask -

Dating Coach - Answered on May 17, 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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Asked by Anonymous - May 17, 2024Hindi
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Relationship

I am in a long distance relationship. We haven't met each other . It's been 6 months ,but the guy does not talk about marriage. He keeps telling we will decide about it after meeting each other. I am getting attached to him emotionally and i am constantly anxious about future . I tried to stop talking to him various times,but he keeps coming back . He keeps telling me he loves me ,but his actions do not match his words . Shall i give him time untill we met and keep in touch with him or shall i stop this here .Please guide . I am getting emotionally unstable day by day.

Ans: What will you tell your friend if they are in a similar situation? If a friend of mine shared as you did this is what I would tell her (1) six months, in the same country and neither have made efforts to meet - its a red flag (2) you wish to marry a man you have not seen or spent time with, is something you need to STOP wishing. This is not a movie, get real and stop having these thoughts. (3) I will ask her to invest her positive emotions in something she can feel, touch, hear vs on someone she has no idea about. I would suggest to send him one message saying that, its been wonderful knowing you, look forward to seeing you, let me know when can you make that happen and leave it there, if he write back to engage on topics that do not talk about his plans to meet, then to BLOCK him and simultaneously look to know and meet other men.

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Anu

Anu Krishna  |1503 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

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Relationship
Hi Anu, I am in a relationship with a guy for 5 months. I met him via social media. We know each other since a year. Initially I saw him only as a friend, but we grew close, talked daily for a year, met a few times and decided to date. But I am still confused if he is right for me. It's a long distance relationship and I am not able to connect as much as him. I am not able to decide if I want to spend my life with him. He is too deeply involved, and that scares me, I try to break up because I feel it's not fair to him, but I end up going back to him because I miss him. This continues. I am stuck in a loop, I don't know what to do. Please advice.
Ans:

Dear DJ,

It can be a little difficult to know people through social media as they are at their amazing best there; pictures, videos, status updates usually is for someone else to validate them and possibly does not reflect who they truly are. And yet you call it a relationship? How?

Also, you have chosen to feel guilty for being upfront about it or take a decision to move on.

How much of emotions are invested in this ‘relationship’ or have you grown it in the mind to an extent that doesn’t even exist?

Time to introspect and evaluate:

Who is he?

How much do I know him despite speaking to him every day?

Does his thoughts and idea match mine?

How do you know that he is deeply involved?

Could just feeling lonely be the reason that the two of you are stuck in this?

I have no clue how old you are but I can tell you one thing; there is no future where there is no true love and for true love to grow, one needs to be with another person initially, investing time in one another.

In your case check if the two of you can meet and maybe things might fall into place after that clearing up many of these confusions.

Best wishes!

..Read more

Anu

Anu Krishna  |1503 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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Relationship
 Hi Anu Ji,I am in a relationship with a guy from one year who is from a different state and different background. I am from north and he is from South. As of now the relationship is perfect when we both are together but I am stressed about my future as this guy had warned me that future is very difficult due to family issues and all. Our relationship also started on a very different note. We were close friends for a few years and then got close over a few incidents. I have gone out all the way to put my efforts in the relation because it looked picture perfect what I was creating. He has given me no promises of the future telling things are very different in our state. Earlier he used to ask me to be casual, but both of us know that my nature is not casual, he has apologised also feeling that he is wasting my time.He also asked if I want to look for a proper marriage partner.. all his words show this and makes me scared that in future we will be separated.On the contrary his actions are so sweet and romantic. Multiple times I thought I should think straight and leave but I guess I am too attached and so is he.My parents keep on pushing for rishtas as I am in prime age to be married, and I am only delaying this because of this guy, what should I do? Why are his actions and words not in sync. I have also informed my parents about him. If he is not willing to take it forward he should leave me and go na. Why should I initiate any breakup when I like my life with him.Help me with ways to talk sense into this guy so that he has courage to take us up at his home and family.Any guidance will be helpful. Please keep it anonymous.
Ans:

Dear SS,

When his words and actions are not in sync, what exactly are you pushing for?

Are you hoping for him to see things your way? He seems to have made it clear that he wants this to be casual.

It could be one of two things:
1. He isn’t ready for a commitment as of now
2. He isn’t ready to stir the hornet’s nest back at home and face the music

Either case, this is holding you up and your movement in life. Why do that?

Ask yourself:

  • How long do I want to wait for a strong commitment from him? After which, you most certainly must move ahead
  • Will he ever be able to convince his parents of this relationship? Now, if it’s a NO, you know what to do
  • How fair is it to keep my life on hold for him? – If it’s a NO, check what is this hold up costing you this very moment

Please have an honest discussion with him on how this is affecting you and what you exactly want.

Take a call based on his responses and his involvement in the discussion that concerns the future of your relationship.

Best wishes and take charge NOW.

..Read more

Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 14, 2024

Relationship
Hello, I m 21 female I m in a long distance relationship with 32 year male.this person was behind me and always asked me to give him a chance to prove his love for me. At that period i was afaird of relationships as I didn't have courage to go against wish of my parents as i know they wolud never agree for love marriage,so that is fir sure i'll do arrange Marriage. All these things have been explained by my side to this person.He gad feelings for me thats what he showed to me even I felt a connection towards him, so we decided let's not commit anything anout marraige as we both wee not sure about these thing. After some time i realised these person has already made his mind ki he'll date me and he wanted to have everything that an relationship has but he will not marry me.But i m completely in love with.Even i told him about it ki I can't share him n won't be able to see him.with someone else.i just can't imagine myself without him. I fought with him even begged and cried but he always defend his self sayi g i told already ki he loves me and will keep loving me but will not marry me . He vists me after 6-9 months interval every time he visuts me he needs to have physical relationship. I don't know whether I m right or wrong but i feel like I m being used by him. I tried several time to end this relationship but i end up chasing him.Plz help me,guide me
Ans: Dear Rutuja,
If you have the slightest feeling that he doesn't share the same feelings for you as you do for him, or that he has wrong intentions, you have every right to end the relationship. In fact, that would be the right thing to do. I understand that it is difficult to break up with someone you love, but does he love you? Don't you think you deserve someone who loves you and does not make you feel as if you are being used?

Have a clear conversation with him- address all your concerns. If he still maintains his stand of not getting married to you, then let him know that you are not on the same page as him. Remember, for a relationship to work, your future goals need to align.

Best Wishes.

..Read more

Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 06, 2025

Asked by Anonymous - Jan 03, 2025Hindi
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Relationship
hi sir/maam I am 22 yrs old and my boyfriend is 28 yrs old. We both are in the same office right now and his home is very near from that. At this point, we've been in a relationship for 8 months. He is very emotional and understanding and always there for me. Nobody knows about us, only my friends do. I am not that serious but confused if i lose someone who had loved me this much. He asks about marriage but it would be intercaste so i say that parents would not approve this. My friends advice me to break up. I try to disconnect with him but as soon as I talk to him I fail to do. I feel like talking to him console him. The thing is I'll talk to my parents 2 yrs later but he asking for commitment as he is getting other marriage proposals and its the right time for him to get settle but for me, he's saying he's ready to wait only if i give commitment. My father has said once that study and become independent but never risk my self respect in this society. Should i risk my boyfriend's life by giving the commitment ? I'm confused because i think at this point im kind of girl that will adjust somehow atleast im getting a person who loves me alot, i also love him but he's more into this feeling. What should i do? Recently he's got a marriage proposal and his family is seriously asking for his answer but he was asking what i want? i asked him to consider that and directly said it will not be possible for me to commit but im still in dilemma- im losing sth imp, should i go for him?
Ans: Dear Anonymous,
I understand your dilemma. All I can say is that neither one of you is wrong here. He wants commitment before he decides to wait for you, and you want some more time. Both your requirements make perfect sense. My suggestion is that if you really think that you can't commit, you should clear that to him right away, and let him decide whether or not he is okay to go on like that. It's not fair to keep him hanging nor will it be right to make a decision for him. Give him clarity of the situation and let him decide.

In case you guys decide to break up, let him move on. I understand the urge to comfort him, but doing so, you are only going to stall his moving on process.

Hope this helps.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7953 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 13, 2025

Asked by Anonymous - Feb 13, 2025Hindi
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Money
Why do Debt Funds offer lower returns as compared to Equity Mutual Funds?
Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Harsh

Harsh Bharwani  |75 Answers  |Ask -

Entrepreneurship Expert - Answered on Feb 13, 2025

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Career
Sir I am a Engineer by profession snd working in Qatar. Same time i had Cost accountant Degree and passed out way back at 2009. After that no touch with Cost Accounts. Now i am 48 yrs and after few yrs i want to move back to India. But that time if want open a cost accounting firm, what would be the best move i can do to open the consulting firm?
Ans: Hello Mr. Heman,
Reestablishing your career in cost accounting and setting up a consulting firm in India requires careful planning. Start by updating your knowledge through ICAI’s continuing education programs, industry seminars, and professional courses to stay current with evolving regulations and industry practices. Reactivating your ICAI membership and obtaining a Certificate of Practice (CoP) is essential to offer consulting services legally. While still in Qatar, gaining practical exposure by offering freelance or part-time cost auditing or GST advisory services to Indian firms will help establish credibility.

Next, choose a suitable business structure - Sole Proprietorship, LLP, or Private Limited Company - based on your growth plans and compliance preferences. Register your firm with the Ministry of Corporate Affairs and obtain the necessary licenses. Conduct thorough market research to identify your target clients, understand industry needs, and define your service offerings, such as cost audits, financial consulting, and management advisory. A well-structured business plan with clear financial projections will help ensure long-term sustainability.

Investing in technology and infrastructure is crucial. Setting up a professional office, adopting modern accounting software, and leveraging cloud-based financial solutions will enhance efficiency. Building a strong professional network is equally important - reconnect with former colleagues, join industry associations, attend networking events, and establish a digital presence through a website and social media to attract clients.

Lastly, focus on compliance and quality assurance. Adhering to ICAI regulations, tax laws, and ethical standards is critical for maintaining credibility and trust. By systematically following these steps, you can successfully transition back into cost accounting and establish a reputable consulting firm in India, ensuring a stable and rewarding career.

...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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