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Kanchan Rai |571 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 26, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more

Asked by Anonymous - Oct 12, 2023Hindi

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Relationship

I am Seeking a girlfriend, but I see that most of the girls only seeks money or financial support no one is ready for pleaser or happiness this world is real becoming business only no love or true love.

Ans: While it's true that some individuals may prioritise financial stability, but its important to note that not everyone shares the same values, and there are still many people who prioritise meaningful connections, love, and mutual happiness in relationships It's important to approach dating with a positive mindset and an open heart. While it may seem challenging at times, there are people out there who value genuine connections and prioritize love and happiness over financial considerations. Remember that everyone is unique, and finding the right match often involves patience and perseverance. It's important to maintain a positive outlook and be patient. While the dating world can be challenging, there are individuals out there looking for genuine connections and meaningful relationships. By being true to yourself and expressing your desires clearly, you increase the likelihood of finding a partner who shares your values and is seeking a similar type of relationship.

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Mohit Arora | Answer |Ask -Follow

Dating Coach - Answered on Jan 11, 2024

Asked by Anonymous - Jan 09, 2024Hindi

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Dear relationship gurus, I am 21 year old boy and i am being good in studies from my childhood but in college my friends used to make GFs but i hesistant to make because i used to feel that career is most important and all the relationships my friends are making are toxic in their reality ,i also feel specially for an middle class boy like me the primary goal should be an a good career and money but in college some girls converse with me but what i always feel that girls are attracted to the guy who have decent amount of money and having a well financial background ,so what really girls sees in a guy ?? And should i also try dating a girl? Because after graduation i feel so alone and sometimes low also ??

Ans: Girls don't care about money. You'll have to learn to talk with women. Make money but it has nothing to do with women.

Shalini Singh |149 Answers |Ask -Follow

Dating Coach - Answered on Jul 31, 2024

Asked by Anonymous - Jul 11, 2024Hindi

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Relationship

I am a very disciplined guy with a decent job. I take care of my parents, provide for them. I am hard working, ambitious, always do everything in a planned way. I am typical nice guy type but I know my boundaries. But I don't understand why girls gets attracted to the bad guys, guys having no plans for their future, don't even value them just want their body. Unfortunately the girls are ready to give their body and mind to them and once they are done they throw the girl away. But again they fall for the same type of guys and the cycle repeats. If you are not that type of guy, they don't consider you as a man and insult you. I just want to know why most of the girls nowadays are like this. They hurt the good people and chase the wrong ones. Maybe there are good girls, but chances of finding them is very less. Want to know how to overcome this. I have almost lost hope now. I don't want to change myself for some girl but I also want someone in my life who can really support and love me.

Ans: It could be that you are searching at wrong places. It also could be that you have not done enough self reflection about yourself. I have written some blogs on this topic which you can find on my brand page - check that out, may make you reflect.

Ravi Mittal |560 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Sep 18, 2024

Question by Prakash - Sep 18, 2024Hindi

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Hi I am 40 years single I am looking girl but nothing workout due to financial issue even not ready to respond I am looking genuinely and long term relationship

Ans: Dear Prakash,
I understand you are feeling frustrated, and like everyone else, you want to settle down. But taking care of your financial situation is very important if you are thinking of marriage. You cannot blame a woman for wanting a secure life. In my opinion, take a little time to manage your financial issues. Meanwhile, keep looking and try connecting with like-minded people so that they might understand your concerns better. I am sure things will work out soon.

Best Wishes.

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Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by stuti - Apr 03, 2025Hindi

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Money

I have worked for 5-6 companies from 2000 and each of the companies had PF ; while the most recent ones are aligned and carried forward some very early ones are not ; how do i check the amounts in each of the accts AND align/ carry forward all my PFs into one account(under UAN #) ? i have all PFs nos and other details

Ans: Hello;

If you have an active UAN then you can easily link your previous pf accounts to your UAN by following simple process given on EPFO portal.

You need to access the EPFO portal, navigate to "One Member - One EPF Account (Transfer Request)," verify your details, and initiate the transfer request, ensuring you have your old and current employer's details available.

Best wishes;

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Shailu - Apr 03, 2025Hindi

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Career

Hello sir Iam 27 years old I have completed my bsc biotechnology in 2018 I have career gap now I want to start my career my doing a job but how to start from where to start iam not getting it which job suits me please suggest me some courses and jobs

Ans: There is a huge gap of 6+ years. Either go for M.Sc Biotechnology or prepare for competitive exams if your age permits. At least do an online MBA for enhancing your qualification. Best of luck. Professor.........................:)

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Aayush - Apr 04, 2025Hindi

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Career

I have given 12th for the FIRST time in 2024 and gave improvement in 2025 Am I eligible for jee advance 2026

Ans: Yes, a Higher Secondary candidate of 2025 can appear for JEE Advanced in 2026, as the eligibility criteria allows for two consecutive attempts after passing the Class 12 or equivalent examination. So you can appear. Professor........:)

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by AYESHA - Apr 04, 2025Hindi

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Money

MY PF IS OF YEAR 2008 WHEN I LEFT JOB I DONT HAVE PF NUMBER ,AADAHR WAS NOT AT THAT TIME HOW CAN I GET MY PF

Ans: Hello;

Contact your employer at that time. They may have records of past employees.

Else visit the EPFO office where your PF account was held and seek support for getting your pf account details.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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Money

I am an 22 year old commerce graduate. I got a job in December. My salary is Rs 16,000 per month. I am ready to invest Rs 2,000 per month. Should I invest in an RD or a chit fund? What about SIPs or mutual funds? Please suggest where to invest and how it can help me.

Ans: Hello;

Chit funds often turn out to be cheat funds so a strict NO.

A RD with a PSU bank is a good way to begin your investment journey.

I recommend you to look at SIPs in mutual funds after your RD matures, you have 6 month of expense coverage as emergency fund and you have bought term life insurance.

Also don't forget to open and invest in NPS for retirement planning.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by Shubham - Apr 04, 2025Hindi

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Money

Sir, Age: 26 Subject: NPS ( National Pension Scheme) Scheme Choice : LC 75 ( Aggressive Auto Choice) Tier : Tier 1 Pension Fund: ICICI Prudential Pension Fund Current value of scheme : Rs. 57927/- Investing Rs. 5600/- on a monthly basis My goals: Want my portfolio to beat inflation and provide a pension of Rs. 1 lakh monthly ( in hopes that beating inflation value of Rs. 1 lakh does not decrease over time) Time horizon : 34 years Questions: 1. Sir will my NPS scheme beat inflation? 2. Is the Pension Fund ( ICICI Prudential) a good choice or should I shift? 3. Will one lakh pension after 34 years be enough to support my lifestyle? (Assuming that everything pans out smoothly) 4. Judging by today's tax law income up to 12 lakh p.a. is non taxable, will I be taxed on my pension still if the law remains as is? (Hypothetical question) My details : 1.Unmarried, never planning on marriage or kids ever. 2.Current utility bills amount to Rs. 15,000 per month 3. Other expenses Rs. 5-7k per month. 4. I have other investments too, but I want to know if I can rely on NPS in old age or not. With this information alone, is retirement with NPS feasible?

Ans: Hello;

Your current expenses add upto 22 K per month.

After 34 years this amount will be 1.6 L per month considering 6% inflation.

This would need a corpus of 5-6 Cr.

Your current investment would fetch you around 1.2 Cr which is quite low.

You need to invest minimum 25 K per month in NPS to expect 5 Cr+ corpus build after 34 years. (A modest 8% return considered from NPS)

Also you may shift from Auto choice to Active choice so as to ensure 75% allocation to equity upto 50 age.(In Auto choice after 35 age equity allocation is tapered down).

You are allowed to have different fund managers for different asset classes based on their performance in respective category.

Current fund manager looks okay however you need to review performance every year.

For generating retirement corpus it is better to have 2-3 investment avenues rather then a single one.

A mix of EPF/PPF, NPS and MFs should be more appropriate.

Best wishes;

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Jan 11, 2025Hindi

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Money

I don't have any salary income but I do stock trading and have short term capital gain of two lakh. What exemption I'll get?

Ans: Trading income/loss also needs to be considered
Only 2 Lakhs STCG shall bear NO Tax

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

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Money

My CTC is 17.40 LPA then how much income Tax will be deducted as per New tax regime. Please Explain as per Tax Slab.

Ans: 138320 for FY 2025-26

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 06, 2025Hindi

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Money

For 2025-26, I have salary income of Rs 10.5 lakh and expect long term capital gains of Rs 6 lakh. How much tax do I have to pay ?

Ans: Kindly provide Long term capital gains is from which source - Shares, MF, sale of asset etc.
Then only we shall be able to guide

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 12, 2025Hindi

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Money

Hello, My father in law wants to give me 20 lacs to invest in the market through my Demat account. Technically he will transfer the amount into my savings / salary account which is linked to the Demat account. I will then transfer the amount to my demat account and will invest for long time. Will this transaction attract any tax liability ? if yes how to avoid the same ?

Ans: This transaction may not incur tax liability but you need to consult CA for accurate guidance

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

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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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