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Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Dec 30, 2021

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
HS Question by HS on Dec 30, 2021Hindi
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Relationship

Dear LG,
We’ve been seeing each other for a more than a year and are pretty serious.
Physically, there is a lot of heavy petting but he does not want to go to the final level until we are married.
I am more than ready.
How do I convince him?
We should know whether we are physically compatible.
HS

Ans:

How about that... The problem is usually the other way around!

Not that I’m judging you, my dear, it’s your body and your life to do as you please.

And yes, I can see your point of view.

So why does he want to wait for marriage, particularly? Is he a virgin? It’s a matter of ethics, maybe? Or he just needs a little time to warm up to the idea.

You can tell him that you are only willing to marry him once you’re assured that both of you are physically compatible as well, if that’s how you feel.

One thing I will tell you, though -- do not marry in a hurry for this reason.

Sex is not a reason to marry soon at all. One year of dating, in my opinion, is nowhere enough.

Also, I hope you’ve considered whether you’re be okay to sleep with him even if things  break off in the future?

That is something you should be prepared for, if you’re having sex outside of marriage -- that the marriage may not happen at all. If you’re fine with that, then go right ahead.

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Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

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Relationship
Hi Anu, I am 23 years old and during my school time I have a boyfriend with 8 years of relationship. Our relation was going well until we moved towards sexual affection. I was always in denial of not feeling sexually attracted towards my guy. I did not have the mindset to have sex or the pleasure of having sex. Whenever he’d asked me about my sexual feelings I didn't like the conversation and simply tried to ignore it. Later it ended up in arguments. I tried to find out what’s wrong and I found myself with signs of asexuality. If I tell this to my partner he may exaggerate by saying that I am lying. I’ve always wanted to end the relations. But he will threatened that if I am not with him he will end his life. I am stuck in a situation where I don’t know how to make him understand or tell him that I am asexual and I can't make commitment. I want him to know that I can have sex with you or have sexual feelings with you in future.
Ans:

Dear RM,

How do you know that you are asexual? Did you talk to any expert who was able to guide you to this revelation or is it internet-based diagnosis?

I know of many clients that I have worked with come up with fancy diagnosis based on some Q n A or multiple-choice tests available on the internet.

So, if it’s the internet, then time for you to step back and ask yourself:

  • What about sex is something that I don't like?
  • What was I taught about sex in my childhood?
  • Did I find that the women at home were submissive even in the day-to-day functioning?
  • Did the men at home use authority to get their work done?

It might be useful for the two of you to go into therapy not just for your current relationship but also to be able to release yourself from any unresolved emotions from childhood if any.

Value yourself for who you are!

All the best!

..Read more

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Ramalingam Kalirajan  |7606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2025

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Where should I invest Rs. 50000 in Index mutual fund or in ETF?
Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Entrepreneurship Expert - Answered on Jan 22, 2025

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Hello Sir, i have 13 years of experience, now im training manager, please help me in better courses i can do for caree opportunity
Ans: Hello,
With 13 years of experience as a training manager, enhancing your career prospects requires investing in advanced certifications and courses that build on your expertise and align with the emerging demands of the learning and development field. Consider pursuing professional certifications such as the Certified Professional in Learning and Performance (CPLP) or the Train the Trainer certification, which are globally recognized and will strengthen your expertise in training and development. Expanding your knowledge in instructional design through courses focused on e-learning tools such as Articulate Storyline, Adobe Captivate or learning management system (LMS) management will keep you at the forefront of technology-driven training methods.

In addition to technical training skills, courses in leadership coaching and people management will help you develop the soft skills needed to effectively lead teams. For those looking to take on strategic roles, an MBA or certification in change management (Prosci) can provide a strong foundation in organizational development and leadership. Project management certifications such as the PMP or PRINCE2 are also valuable for training managers overseeing large-scale projects.

Furthermore, as the training sector moves towards data-driven decision-making, upskilling in learning analytics, AI in training and digital transformation in learning will help make your career future-ready and allow you to implement innovative training solutions. These qualifications will open up advanced career opportunities in senior leadership positions, from head of learning and development to roles in corporate training strategy and organisational change management.

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