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Shalini

Shalini Singh  |142 Answers  |Ask -

Dating Coach - Answered on May 05, 2023

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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Sid Question by Sid on May 03, 2023Hindi
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Relationship

was in a relationship for 3 months but the girl never reciprocated in the same way as i did.There was no initiative from her side but when I used to ask her why is this happening only i m trying to build but you aren't, she used to say that i was unable to see anything she is doing for me.To be very honest and being impartial if i was at level 10 she was at 1.One day on this very topic some arguments happened and she walked away.After that no message no call and she used to tell me that she loved me but she never ever tried to reach out to me.Now its been one month.I literally am feeling really gloomy.Now she is putting status and showing that to me that i was not ready to build with her i uttered wrong words to her.But honestly i am telling you that I loved her very much and tried all the ways to build with her but she never reciprocated.I still miss her a lot but she seems to moved on so easily that's hurting me too much simultaneously she is putting these statuses too What to do?

Ans: 1) Please block her from your social media

2) Focus on doing something positive or be around people who appreciate you

3) Once you feel good about yourself then look at meeting someone who appreciates you

wishing you the best.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1437 Answers  |Ask -

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

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Relationship
Hey ma'am, I got into a relationship with a girl in 2019. In the beginning it was all good. We both were committed to each other and we always promised each other of marrying but then I cheated on her. She was still with me and forgave me and we moved on. But then lockdown happened and I thought if we can't meet then we should at least be connected virtually most of the time so that she doesn't think I don't love her anymore.She got irritated by it because her mental peace was not okay in lockdown and I thought I should support her by calling her and texting her all the time. And now 6 months ago in December 2021 she blocked me. I tried to sort it but couldn't communicate. Three months ago we communicated and she told me everything how she got irritated and I told her that it’s both our fault that we didn't communicate. So now when I know I was at fault can we start again?? She is saying now I am looking for someone better. I love her ma'am. And I am still committed to marry her. All her friends, her family, her sister know that I love her so much and they want us to be together but she is just blindly saying she wants someone else. I can't live like this. Everyone in our circle says the way I handle her mood swings and all no one can do that. But I don’t know how to make her realise.To be honest ma'am I don't want to lose her. I love her ma'am. Kindly help me ma'amThanks
Ans:

Dear MP,

It might be a message from her to you to move on.

It could be because of her losing trust on you. Lockdown has changed the way that we think, feel and act and most of us have had a major overhaul in our lives.

You might have to win her trust back rather than just thinking that you love her and that she must understand this.

Maybe she is still hurt which means you need to go that extra mile to rebuild your relationship.

But if she has moved on and wishes that you move on as well, kindly respect this and move on.

All the best!

..Read more

Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 23, 2022

Ravi

Ravi Mittal  |505 Answers  |Ask -

Dating, Relationships Expert - Answered on May 12, 2023

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Relationship
I was in a relationship for 3 months but the girl never reciprocated in the same way as i did.There was no initiative from her side but when I used to ask her why is this happening only i m trying to build but you aren't, she used to say that i was unable to see anything she is doing for me.To be very honest and being impartial if i was at level 10 she was at 1.One day on this very topic some arguments happened and she walked away.After that no message no call and she used to tell me that she loved me but she never ever tried to reach out to me.Now its been one month.I literally am feeling really gloomy.Now she is putting status and showing that to me that i was not ready to build with her i uttered wrong words to her.But honestly i am telling you that I loved her very much and tried all the ways to build with her but she never reciprocated.I still miss her a lot but she seems to moved on so easily that's hurting me too much simultaneously she is putting these statuses too What to do?
Ans: Dear Sid,

If you, even for one moment, felt that you have been putting more work into the relationship than your partner, there must have been reason to believe so. Do not doubt your concerns just because your ex tried to pin the blame on you by minimizing your worries. It's a clear sign of gaslighting. As for the statuses, some people take pleasure in making others feel unnecessarily guilty, even if the fault lies on their part. My advice would be to not pay attention to any of it. If necessary, delete her contact; a clean break might help you move on. Don't do it to show her that you have moved on, but try to move on in reality. You deserve more than half-hearted efforts.

Best Wishes!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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Money
I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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