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Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on May 30, 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
Malathi Question by Malathi on May 19, 2024Hindi
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Relationship

Hi sir Good morning my name is malathi my age is 41 I don't have job and don't have my husband i don't have kids only family but I never expected anyone anything in my life I don't know i should run my life

Ans: Dear Malathi,

I am sorry if you are hurting. I can only suggest that you start looking for a job. It might be hard but you will end up getting something. It can even be something small but it will keep you engaged. Life throws a lot of hardship on people and it isn't always fair. But that is how it is. You can't give up, can you? Please focus on yourself and try to keep busy. Make some friends. Spend time with your family. Things will be better soon.

Best Wishes.

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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Aug 14, 2023

Asked by Anonymous - Aug 13, 2023Hindi
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Career
Hellow sir, Request you to please suggest and help? I am 39 yrs old male with no job in hand. I am not married as well. Actually my mom was detected with liver cirrhosis and was asked to have liver transplant on Septemeber 2022. After tht i was all after taking care of my mom and looking out for donors. I didnt hav anybody to take care of my mom, my sister is settled in USA and she was expecting. Hence she could nt help, but all the financal help was done by her. My mom underwent Liver Transplant in the month of May 2023 and now she is recovering. I am with her taking care of her. I hav Dad, bt he is also very old. I was before sept 2022 working in a Reputed hospital as deputy marketing manager. I have done my MBA marketing as well with a hotel management degree. I have a total of 11 years of experience with 8.26 lakhs per year package. I always felt in regards of my marriage i m unable to get a match coz i dont hav a suitable job with good package. At 39 i m unable to upgrade my skills coz of all my responsibilities. Maybe September i am thinking of looking out for a job, as my sister is going to return from US. I want to get married and lead a normal life. I also want to grow in life so that i can keep my family happy. I m afraid of being alone all my life, coz my parents in regards with dere health are not doing well. I also want grow in my career. Request you to please guide me what should i do in life ahead . I had no relatives support that is why i had to leave my job to take care of my Parents. At 39 i feel tht i m too old to get married as dere are very few proposals of my age and those which are dere are very much well settled in life and would epexct somone who is more sucessful than me.
Ans: Hi,
I can understand that you have got two issues primarily. First, you need to get a job and secondly is to get married along with taking care of your parents. You can look for jobs through job portals and look for match through various matrimony portals and marriage bureaus. If you do this consistently for a few months, you are bound to succeed.

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Anu

Anu Krishna  |1503 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

Asked by Anonymous - Jun 04, 2024Hindi
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Relationship
Hi Anu... Am 39 and single woman with no income. Not working. Dependent on family. Did my MBA . I don't know what's happening in my life. Donno what to decide and how. Where to start. When to start. What to start. Should I 1st start earning or get married. I lost all my life bcz of my negligence and family issues. Never had a happy n peaceful day in my life. Something or other will be in family n life. Am not strong enough to take bold decisions. And lead my life independently. I want my family to be happy. My mom and dad's is love marriage but they didn't have a best life so even we children never had happy moments. But mentally very much attached to family. Can't live without them. What should I do? Am interested in marriage but alliance have huge demands and now am aged. People think am not good looking so I didn't get any proposal. I don't believe in love eventually I never supported love marriage of my friends and cousins. Ofcourse they are having best life. Now I feel alone.. I want to earn my bread. I want a family. I want to be married and enjoy family life too... Please help...
Ans: Dear Anonymous,
Life and it's highs and lows are what makes us, breaks us and then makes us back again.
It is okay to be confused BUT it is not okay to wander about without making a decision which only leads to believe that life is hard.
What are the things that you have been wandering about?
- Marriage or being in a relationship
- Becoming financially independent
- Putting your degree to good use
- Stepping beyond home and family to create a life

Now, you have begun to think of it and maybe it frustrates you that it's too late. But better now than never...
Push your boundaries and first do something that can give you a WIN. That will boost you to take on challenges in every area of your life that you have possibly been avoiding.
No life or nothing is created or built without challenges.

The key question for you is: Have I been avoiding failure which is the reason for me to wander and not make a few decisions that would have helped me?
Start somewhere and a WIN in an area that you have control over, is what I suggest you start at...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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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

Milind

Milind Vadjikar  |1013 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 13, 2025

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Money
Can I change my plan from star FOH to Star Assure. In plan migration form What I write in PED column. my policy number was taken on 19 February 2021, in the first week of March 2021 suddenly my blood pressure increased, due to which the doctor asked me to undergo angiography. After that the doctor asked to do angioplasty immediately and thus on 18 March 2021 I got angioplasty done. Now I am completely healthy, since my illness occurred within 31 days of taking the policy, company agent told me that there is no provision to cover any health related problem within 31 days. Company agent told me that there is no provision to declare any illness midway. Now I am completely healthy. Company not include my above mentioned health condition in my policy. And compny given me reply "Dear Mr. Jain, We acknowledge the receipt of your mail. With reference to our previous telcon, this is to inform that any disease or ailment/illness if found after inception of policy. It is not required to disclose under policy. But if you still wish to disclose the disease then kindly find the attached PED inclusion form, fill and submit us for further evaluation. Note : To note the disease in the policy PED form is mandatory. We request you to provide the Medical reports/ Discharge summary /any relevant /First consultation paper / medical document of the said procedure/diagnosis, which shall be kept for our reference. " What can I do.
Ans: Hello;

Regarding plan migration feasibility you may check with your insurer/insurance agent.

If you want to inform the insurer about your later acquired illness you may furnish the details to them as per their requirement and check their feedback on the same.

Their feedback will decide your next course of action.

Best wishes;

...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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